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November 6, 2003
MERRILL LYNCH MORTGAGE CAPITAL, INC., PLAINTIFF,v.FEDERAL DEPOSIT INSURANCE CORPORATION, DEFENDANT.
Plaintiff, Merrill Lynch Mortgage Capital, Inc. ("Merrill"), brings this action against defendant, Federal Depository Insurance Corporation ("FDIC"), as receiver for Superior Bank, FSB ("Superior"), alleging that it wrongfully seized funds from an account to which plaintiff had legal title. In the alternative, plaintiff alleges that defendant, as receiver, wrongly applied an offset to plaintiff's uninsured deposit claim, reducing its value. Plaintiff brings the present action pursuant to 12 U.S.C. § 1821(d)(6), which provides for judicial review of administrative adjudications of claims decided by FDIC in its role as a receiver for defunct financial institutions.
Before this court are the parties. motions for summary judgment. Upon consideration of the motions, the respective opposition thereto, and the record of this case, the court concludes that plaintiff's motion for summary judgment on the issue of wrongful seizure of funds must be granted and defendant's cross-motion on the same issue must be denied.
In March 2001, Merrill and Superior, a federally-insured savings and loan institution, entered into an agreement in which Merrill was to purchase, from time to time, large pools of residential mortgages originated by Superior. See Compl. Ex. A (Amended and Restated Purchase and Warranties Agreement, Mar. 1, 2001) ("Agreement"). The Agreement indicated that ownership and title over the mortgages, in a given pool, vested immediately with Merrill upon sale. Id. § 2.02. Indeed,"immediately upon transfer" of the mortgages, Merrill held"good and indefeasible title to, and [was] sole owner of, each Mortgage Loan subject to no liens, charges, mortgages, encumbrances or rights of others." Id. § 3.02(h).
Superior agreed to service the mortgages for Merrill, meaning that it collected principal and interest from individual mortgage borrowers, aggregated the funds, and remitted a monthly payment to Merrill, less certain expenses for servicing. Specifically, Superior was obligated to segregate and hold all funds collected and received pursuant to each Mortgage Loan separate and apart from any of its own funds and general assets and establish and maintain at Superior Bank FSB one or more Custodial Accounts... in the form of time deposit or demand accounts, which may be interest bearing, titled'Superior Bank FSB, in trust for Merrill Lynch Mortgage Capital, Inc.' Such Custodial Account shall be an Eligible Account.
Id. § 4.05. The Agreement defines"Eligible Account" as follows:
Either (A) a segregated account or accounts maintained at Superior Bank FSB, (B) a segregated account or accounts maintained with [some other solvent banking institution]..., or (C) a trust account or accounts (which shall be a"special deposit account") maintained with the trust department of a federal or state chartered depositor institution or trust company, having capital and surplus of not less than $50,000,000, acting in its fiduciary capacity.
Agreement at 4.
In June 2001, after numerous other transactions under the Agreement, Merrill and Superior concluded a final sale of mortgages at a price of $60,941,127.73. Merrill withheld from the purchase price of the mortgages approximately $4,869,388 ("Offset") as security for Superior's performance of the Repurchase Obligation, which provided that Superior would buy back mortgages if they were defective according to the terms of the warranty in the Agreement.
In late July 2001, the Office of Thrift Supervision ("OTS") closed Superior and appointed as receiver FDIC, which succeeded to all of Superior's rights, titles, interests, obligations and liabilities, including those under the Agreement between Superior and Merrill. Initially, FDIC agreed to honor the Agreement and to keep servicing loans for Merrill. At the time, $10,084,567.43*fn1 remained in the account set up under Agreement § 4.05 ("Custodial Account") from mortgage payments received in July 2001 but not yet remitted to Merrill. In spite of its promise, in August 2001, FDIC breached the Agreement and refused to remit the $10 million remaining in the Custodial Account, effectively seizing those funds for the receivership proceedings. Merrill demanded the $10 million, arguing that the funds were a"special deposit" and therefore Merrill's sole property, not a general deposit or asset of the defunct Superior Bank. At the same time, and separately, Merrill demanded that FDIC repurchase certain mortgages because they had breached the warranty in the Agreement. FDIC refused both of Merrill's demands. Merrill then timely filed two administrative claims with FDIC, in its role as a federal agency; these claims largely repeated Merrill's earlier demands. Again, Merrill claimed that the $10 million in the Custodial Account were a"special deposit" to which Merrill had full title and that FDIC was obligated to remit the funds. Merrill also argued that FDIC was obligated to repurchase $36 million in mortgage loans, under the Agreement's warranty. In addition Merrill indicated that FDIC could apply the Offset of $4,869,388, which Merrill kept as security from the June 2001 transaction, to reduce FDIC's repurchase obligation of $36 million.
In April 2002, FDIC issued a final determination regarding Merrill's claims. With regard to the Custodial Account, it found that Merrill did not have title to the funds, the Custodial Account was a general deposit, and Merrill was not entitled to be paid off in full but had an uninsured deposit claim. That is, instead of having priority over all other claims to Superior's assets and a right to be paid in full, Merrill was to be paid a reduced pro rata share, probably about 65%, of its original deposit of about $10 million, just as Superior's other uninsured depositors would be paid according to the priority scheme in 12 U.S.C. § 1821(d)(11) of the Federal Deposit Insurance Act ("FDIA"), 12 U.S.C. § 1811 et seq. FDIC's final determination also stated that FDIC had breached its repurchase obligation and that Merrill was entitled to approximately $6 million in repudiation damages. On these damages, however, Merrill had the priority of a general creditor, to be paid after uninsured deposit creditors. Since the uninsured deposit creditors were receiving a only a pro rata share of their full claims, Merrill was unlikely to be paid at all on its repurchase damages. FDIC further found that Merrill's $4.8 million offset could only be applied to Merrill's uninsured deposit claim of $10 million, not its $6 million repurchase claim. FDIC therefore further reduced Merrill's uninsured deposit claim: It took the original deposit ($10,084,567), reduced it by the offset amount ($4,869,388) and applied to the remainder ($5,215,179) the pro rata share uninsured depositors were to receive–eventually, about 65% of what depositors originally had in their accounts. That is, under FDIC's determinations, Merrill eventually will receive about $3.4 million on a $10 million deposit claim once Superior's assets are liquidated. As a result, Merrill filed the present action. The bottom line, for Merrill, is as follows. If Merrill prevails on Count I, and the court finds the Customary Account to be a special deposit, Merrill will be entitled to full recovery and will receive about $10 million. If Merrill loses on Count I but prevails on Count II, Merrill will have an uninsured deposit claim but will be permitted to apply the offset against the repurchase claim (which it is unlikely to recover), and Merrill would receive about $6.55 million of its original deposit.
A. Legal Standard
Under Fed. R. Civ. P. 56, summary judgment shall be granted if the pleadings, depositions, answers to interrogatories, admissions on file and affidavits show that there is no genuine issue of material fact in dispute and that the moving party is entitled to judgment as a matter of law. Material facts are those "that might affect the outcome of the suit under the governing law." Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986). In considering a motion for summary judgment, the "evidence of the non-movant is to be believed, and all justifiable inferences are to be drawn in his favor." Id. at 255. But the non-moving party's opposition must consist of more than mere unsupported allegations or denials and must be supported by affidavits or other competent evidence setting forth specific facts showing that there is a genuine issue for trial. Fed. R. Civ. P. 56(e); Celotex Corp. v. Catrett, 477 U.S. 317 (1986). The non-moving party is "required to provide evidence that would permit a reasonable jury to find" in its favor. Laningham v. United States Navy, 813 F.2d 1236, 1242 (D.C. Cir. 1987). If the evidence is "merely colorable" or "not significantly probative," summary judgment may be granted. Anderson, 477 U.S. at 249-50.
B. Count I: Special Deposit
Deposits can be categorized as either specific or general. Specific deposits are like bailments in which the bank becomes a bailee and the depositor retains title to the things or money deposited. Special deposits are not the property of a bank. If a bank fails, special deposits do not become part of the receivership estate, and therefore special depositors are entitled to be paid in full before other creditors of the bank. See, e.g., Union Elec. Light & Power Co. v. Cherokee Nat'l Bank of St. Louis, 94 F.2d 517, 519-20 (8th Cir. 1938); Bank of Am. Nat'l Trust & Sav. Ass'n v. Commercial Bank, 22 P.2d 704, 709-10 (Cal. 1933). General deposits do not operate as bailments; rather, the depositor gives up title when loaning the bank money, allowing the bank to use the money for profit. Marine Bank v. Fulton Bank, 69 U.S. 252, 256 (1864). Merrill argues that the Custodial Account was a special deposit; FDIC argues that it was a general deposit.
1. Choice of Law
For the most part, whether an account is a special deposit or not is a matter of state law. See Glenn Justice Mortgage Co. v. First Nat'l Bank of Fort Collins, 592 F.2d 567, 569-70 (10th Cir. 1978) (using Colorado state law to analyze dispute over special deposit); Rozsa v. May Davis Group, Inc., 152 F. Supp. 2d 526, 532 (S.D.N.Y. 2001) (applying New York state law to determine whether an account was a general or special deposit). This is true largely because of bailments and special deposits are governed by contract law–both exists when parties contract to form them. See id. at 532-33. The Agreement contains a New York choice-of-law provision that governs disputes between Merrill and Superior (or its successors). Agreement § 9.05. Therefore, New York law should determine whether the Custodial Account is a special deposit.
FDIC, however, argues that federal law–in particular rules promulgated under the FDIA and OTS regulations–preempt state laws purporting to determine whether an account is a special deposit. FDIC maintains that according to the FDIA and OTS rules, the court should defer to FDIC's determinations about the Custodial Account as a special deposit. Defendant contends that it is entitled to rely on its own interpretations of deposit account records, focusing on any evidence it wishes, in order to determine the status of the Custodial Account–and in this case, FDIC has found the account to be a general deposit.*fn2 Most importantly, FDIC claims that because it is an administrative agency, its determinations are entitled to judicial deference under the Administrative Procedure Act, 5 U.S.C. §§ 701 et seq., and Chevron USA Inc. v. Natural Resources Def. Council, Inc., 467 U.S. 837 (1984). See Def's Cross-Mot. at 28-29.
The court, however, does not merely defer to FDIC's determination that Merrill's account is a general deposit. It is generally true that"[r]eviewing courts have treated... regulations... dealing with deposit insurance with some deference," Villafane-Neriz v. FDIC, 75 F.3d 727 (1st Cir. 1996). Further, the D.C. Circuit has found that FDIC insurance determinations properly before the district court are subject to de novo review, not judicial deference. See Callejo v. RTC, 17 F.3d 1497, 1501 (D.C. Cir. 1994). More importantly, however, the determinations in this case do not involve deposit insurance claims; they involve the priority of uninsured claims in a liquidation proceeding. Defendant has failed to demonstrate that the FDIA and OTS rules it invokes apply to the present action. First, the rules promulgated under the FDIA, as defendant presents them, do not purport to govern the status of deposit accounts in receivership proceedings for purposes of determining priority of payment. The FDIA rules defendant cites simply indicate when an account is eligible for deposit insurance. See 12 C.F.R § 330.5(a)(1) (" in determining the amount of insurance available to each depositor, the FDIC shall presume...") (emphasis added). Further, the policies supporting FDIC discretion in characterizing of deposits are inapposite to the present action. FDIA-based rules justify strict reliance on account records because they help FDIC estimate the number of insured accounts, pay insurance quickly, and discourage fraudulent insurance claims. See Def.'s Cross-Mot. at 27 (citing 63 Fed. Reg. 25,750, 25,751 (May 11, 1998)). None of these policies justifies giving FDIC discretion to decide whether an account is a special deposit in order to satisfy receivership claims. Finally, FDIC cites no cases which found insurance rules relevant to deciding whether a deposit was special.
Defendant's reliance on OTS regulations, see Def.'s Cross-Mot. at 29, is also misplaced. Unlike the rules promulgated under the FDIA, the OTS regulations do, on their face, purport to preempt deposit-related state laws. See 12 C.F.R. § 557.11 ("OTS hereby occupies the entire field of federal savings associations' deposit-related regulations."). OTS regulations, however, carve out exceptions to the federal preemption. Specifically, OTS rules do not preempt state contract and commercial laws, to the extent that they do not interfere with the deposit-related activities of depositors and are otherwise consistent with OTS regulations. See 12 C.F.R § 557.13. In this case, the OTS exception to preemption applies because the law of special deposits is the law of contracts, see Rozsa, 152 F. Supp. 2d at 532-33. Further, FDIC fails to identify ways in which the state laws of special deposits are inconsistent with either depositrelated activities or other OTS regulations. As a result, under OTS rules, New York state law governs whether the Custodial Account is a general or special deposit.
2. Existence of a Special Deposit
Under New York law, whether a deposit is general or specific depends on the mutual understanding and intent of the parties when the deposit is made. See Peoples Westchester Savings Bank v. FDIC, 961 F.2d 327, 330 (2d Cir. 1992) (citing Keyes v. Paducha & I.R. Co., 61 F.2d 611, 613 (6th Cir. 1932)). Absent evidence of such intent, deposits are presumed to be general. See Rozsa, 152 F. Supp. 2d at 532. A depositor can overcome this presumption by proving the existence of an agreement, express or implied, that an account was a special deposit. See id. at 532-33 (applying contract law to determine the existence of a special deposit, because it resembles a bailment, and because of the well-established rule that"a bailment is contingent on the existence of an express or implied contract"). The"general deposit" presumption is strong. See, e.g., Peoples Westchester, 961 F.2d at 332 (finding that the plaintiff"failed to rebut the strong presumption that [the disputed account] was intended to be a general deposit").
Proving the existence of a special deposit requires either an"explicit agreement... to segregate funds" or"clear evidence of intent to create a special deposit." Peoples Westchester, 961 F.2d at 331. The depositor does not necessarily rebut the general deposit presumption by proving only that a deposit was intended for a specific purpose. Swan Brewery Co., Ltd., v. U.S. Trust Co. of New York, 832 F. Supp. 714, 719 (S.D.N.Y 1993) ("The fact that funds are deposited for a specific purpose is not determinative of the question of whether an account is general or specific."); In re Kountze Brothers, et al., 27 F. Supp. 1002, 1003-04 (S.D.N.Y. 1938) ("The mere fact that the funds were here deposited for a special purpose... is quite consistent with the ordinary debtor-creditor relationship."). In many special deposit cases, courts sought, but did not often find, an explicit contract in which the bank had a duty to segregate deposited funds from its own assets. See People's Westchester, 961 F.2d at 331 (holding that deposit was not special because"documents generated in opening the [account] do not evidence that [the bank] assumed a duty to segregate those funds from its own general assets" and that"there was no explicit agreement... to segregate [deposited] funds"); Keyes, 61 F.2d at 613 (denying the existence of a special deposit because the court"fail[ed] to find in any... instruments... any indication that it was the intention... of the parties that the avails of the draft were to be segregated and kept as a separate fund...."); Rozsa, 152 F. Supp. 2d at 533-34 (finding no special deposit on motion to dismiss where the plaintiff failed to assert facts or argue any inferences that the defendant had assented even to an implied contract, much less and express one, to create bailment with funds); In re Kountze Bros., 27 F. Supp. at 1004-05 (refusing to find special deposits when"[n]one of the reclaimants established that it ever required or requested [the debtor] to segregate the funds transmitted, from the bank's general funds, or not to use the funds in their own business."). While an implicit agreement could theoretically suffice to overcome the general deposit presumption, the existence of a written agreement–explicitly obligating the bank to segregated deposited funds and leaving legal title with the depositor–seems to be, practically, the dispositive issue in deciding whether a deposit is special.
On its face, the Agreement between Merrill and Superior indicates that the Custodial Account was a special deposit and overcomes the general deposit presumption. First, Merrill and Superior agreed explicitly that Superior was to"segregate and hold all funds collected" and to keep the mortgage funds"separate and apart from any of its own funds and general assets." See Agreement ¶ 4.05. Second, other portions of the Agreement indicate that immediately after a sale by Superior to Merrill of a pool of mortgages, that Merrill owned, completely and entirely, the mortgage loans. Agreement ¶¶ 2.02; 3.02(h). Furthermore the existence of a special deposit is consistent with the purpose of the Agreement–to facilitate the purchase of mortgages loans by Merrill. Through the Custodial Account, Superior aggregated the payments and then transferred the funds to Merrill monthly.
FDIC raises a litany of arguments, both legal and factual, against the proposition that the Agreement created a special deposit. The court considers the purely legal issues first, and then considers the factual issues FDIC attempts to raise.
FDIC raises two related issues purely as a matter of law. First, FDIC argues that the parties legally could not have intended to create a special deposit because, as a bailment, there is a requirement that a"thing" be deposited and that the mortgage payments were not a"thing." Def.'s Cross-Mot. at 13-14. Indeed, FDIC argues that a special deposit can never be a bank deposit account at all. Id. at 14. According to FDIC, the Custodial Account would only have been a special deposit if Superior had been obligated to keep the actual mortgage payments (checks from thousands of individuals) in a box and, every month, physically transferred a mountain of checks to Merrill. To support this position, FDIC cites a letter by the Office of the Comptroller of Currency ("OCC") as indicating that special deposits are identical to safe-deposits. See Def.'s Cross-Mot. at 14-15 (citing Office of the Comptroller of Currency, Conditional Approval No. 479, 2001 WL 1104412 (July 27, 2001)). While there is no dispute that the Custodial Account did not involve a literal bailment, and that Superior did not keep checks to physically deliver to Merrill, FDIC's argument is without merit. The OCC letter FDIC cites does not really seem to exclude bank accounts from being special deposits. See id. at *6 ("Special deposits may be money, securities, or other valuables."). Furthermore, a bailment of a fungible good like money does not require that the bailee return the exact same item. See Nat'l Corp. for Housing Partnership v. Liberty Bank, 836 F.2d 433, 436 (8th Cir. 1988) (noting that while the ancient rule of bailment is that the identical money must be returned,"the rule requiring return of the identical item has been liberalized in the case of fungible goods."). A special deposit resembles but is not exactly a bailment; under New York law a special deposit, unlike a bailment, does not require the return of the identical"thing." Foulkrod v. First Nat'l Bank of Waterloo, 334 N.Y.S.2d 285, 288 (N.Y. Cty. Ct. 1972) (citing opinion by Justice Cardozo for the New York Court of Appeals, Genesee Wesleyan Seminary v. U.S. Fidelity & Guaranty Co., 247 N.Y 52, 55 (N.Y. 1927) (finding that while a"special deposit is sometimes said to be equivalent to a bailment," it differs in that"[s]uch a deposit may exist where the duty of the depository is to hold, not the identical bills or coins, but an equivalent sum, to be kept intact, however, for the use of the depositor.")). FDIC's apparently literal understanding of bailments and money is antiquated, and was out-of-date long before the rise of electronic banking, as the Genesee Wesleyan Seminary decision, rendered in 1927, demonstrates. See id.
The second purely legal issue FDIC raises is that Merrill had no authority to maintain a special deposit because the Custodial Account was never a fiduciary account pursuant to the Home Owners' Loan Act, 12 U.S.C. § 1464 et seq., or applicable OTS regulations and because Merrill had no authority to act as a fiduciary. See Def.'s Cross-Mot. at 22-23. This argument assumes that a special deposit is literally a trust. However, Superior needed no authority from an agency to act as a fiduciary or trust before it could accept special deposits, because a special deposit agreement automatically creates a trust by operation of law. See Genesee Wesleyan Seminary, 247 N.Y. at 55 (observing that a special deposit gave rise to"a trust imposed by law"); see also Kaufman v. First Nat'l Bank of Opp, Ala., 493 F.2d 1070, 1072 (5th Cir. 1974) ("A deposit is special rather than general when there is specific direction, or agreement express or implied, that it be special or where there are circumstances sufficient to create a trust by operation of law."). Furthermore, OTS has explicitly authorized federal savings banks to keep special deposits, without any other conditions. See OTS, Powers of Federal Savings Associations 2 (2001) ("[Federal savings associations] may accept special deposits."). That Superior no longer had fiduciary or trust powers when it signed the Agreement with Merrill is irrelevant. Superior had the authority to keep a special deposit so long as it agreed to do so.
In addition to its purely legal arguments, FDIC attempts to raise genuine issues of material facts, specifically with regard to the Agreement and whether it created a special deposit. It is important to note that FDIC does not address the validity of the Agreement or the fact that the explicit terms of the Agreement, at all relevant times, gave Merrill title to the mortgage loans and required Superior to segregate the mortgages"apart from any of its own funds and general assets." Rather, FDIC contests certain issues that go to whether Merrill and Superior actually intended to create a special deposit.
First, FDIC argues that the language of the Agreement explicitly allowed Merrill to choose to make the Custodial Account a"special deposit account," but that Merrill did not do so. See Def.'s Cross-Mot. at 19. Specifically, Merrill and Superior agreed to establish the Custodial Account as an"Eligible Account" defined as
[e]ither (A) a segregated account or accounts maintained at Superior Bank FSB, (B) a segregated account or accounts maintained with [some other solvent banking institution]..., or (C) a trust account or accounts (which shall be a"special deposit account") maintained with the trust department of a federal or state chartered depositor institution or trust company, having capital and surplus of not less than $50,000,000, acting in its fiduciary capacity.
Agreement § 4.05. The Custodial Account clearly existed under option (A), as a"segregated account" at Superior, instead of (B) or (C), both accounts at institutions other than Superior. Therefore, FDIC argues that Merrill and Superior explicitly opted not to have a special deposit because they did not choose option (C). This gives rise to a factual dispute, according to FDIC, because creates an inference that the parties to the Agreement did not intend to create a"special deposit." However, that the parties to the Agreement did not use option (C) is immaterial. Creating a special deposit is not just a matter of magic words. No case suggests that an account must be labeled"special deposit" to be one, or conversely that merely invoking the words"special deposit" suffices to create one. New York law provides discrete, specific criteria for the creation of a special deposit: A depositor and bank must enter a contract, explicit or implicit, which creates an account which the bank is obligated to segregate from general assets, and over which the depositor retains title. See Peoples Westchester, 961 F.2d at 331. As the court has shown, the Agreement's express terms create a special deposit. The label"special deposit" (or its absence) lacks legal significance and does not constitute a genuine issue of material fact.
Second, FDIC argues that the Custodial Account was not a special deposit because it took the form of a"normal" bank account; as such, Superior was free to use the funds as it would a general deposit. Specifically, FDIC identifies several undisputed facts about the Custodial Account: (1) that the Agreement indicated it was to be"in the form of time deposit or demand accounts"; (2) that the Agreement said that the account"may be interest bearing," as a general deposit would be; (3) that the Custodial Account, according to the signature card, was officially a business checking account; and (4) that Superior had the right to remove from the account fees and sundry expenses for mortgage servicing. See Def.'s Cross-Mot. at 17-21, 23-24, 24-29.
Most of these arguments are the corollaries of FDIC's assertion, already debunked, that a special deposit must be a literal bailment of a thing. If a special deposit of money need not be a literal bailment ( i.e., in a safe-deposit box), then it must be that a valid special deposit can keep money in a bank account. The fact that the Custodial Account was, or could have been, a time deposit or demand account, interest bearing, or a business checking account is not material and does not affect the determination that the Custodial Account was a special deposit. See Fuste v. Eurobank & Trust Co. ( In re Almacenes Gigante, Inc.), 159 B.R. 638 (Bankr. D.P.R. 1993) (finding that a time deposit could be a special deposit); First Nat'l Bank of Ranger v. Price, 262 S.W. 797, 800 (Tex. Civ. App. 1924) (finding that a demand account can be special deposit); Sindlinger v. Dep't of Fin. Insts. of Indiana, 199 N.E. 715, 724 (Ind. 1936) (finding that agreement to pay interest on deposit does not overcome express agreement to form special deposit); Hodge v. N. Trust Bank of Texas, N.A., 54 S.W.3d 518, 522 (Tex. Ct. App. 2001) (finding that a certificate of deposit, an interest bearing account, could be a special deposit). The form of the account (checking, interest-bearing, etc.) does not matter. The critical point is whether a bank and a depositor have agreed that an account is to be a special deposit or not. See Hodge, 54 S.W.3d at 522 ("A certificate of deposit can be either a general or special deposit, depending on the agreement between the bank and the depositor.... It is clear from the court order that the CD in this case was a special deposit."). Furthermore, a bank may withdraw fees and other expenses from an account without having to take title to the account; such limited withdrawals do not transfer title over the property in the account to the bank. See In re Int'l Milling Co., 259 N.Y. 77, 80, 81-83 (N.Y. 1932) (holding that bank's deduction of fee from bailment did not impair bailment); In re De Wind, 259 N.Y.S. 554, 557 (N.Y. Surr. Ct. 1932) (finding that trust company holding special deposit funds on behalf of owners was authorized to deduct commission fees).
These facts might help cast doubt on the existence of an implied agreement to create a special deposit. They would raise a genuine issue of material fact, and defeat summary judgment for Merrill, because usually"the need to resolve inferences regarding intent [to form a bailment contract] often precludes summary judgment." Swan Brewery, 832 F. Supp. at 718. In analyzing an alleged special deposit formed by implied agreement, the facts FDIC has recited would be relevant because"[c]courts look to all of the circumstances surrounding the creation of an account to ascertain whether the depositor and the depository institution mutually intended the account to be special or general." Id. at 719. However, a court need not resolve inferences about intent by reference to all"circumstances surrounding the creation of an account" when an explicit agreement exists to express the intent of the parties. See Sindlinger, 199 N.E. at 724 ("While the agreement to pay interest on a deposit may be a circumstance to consider in determining the relation of the parties, this of itself is not sufficient to overcome express provisions in a contract, designated a deposit as a special deposit to be held and used for a particular purpose.").
Furthermore, matters largely relevant to a bank's internal accounting or categorization of deposits do not affect the existence and validity of a special deposit, once a bank and depositor have agreed to one. See In re Mechanics Trust Co., 19 Pa. D. & C. 468, 472 (1933) (finding that a bank's internal accounting procedures do not create a debtor-creditor relationship where a bank and another party have already agreed to a trust relationship). The controlling factor is what a bank was contractually obligated to do with funds in an account. Once a bank accepts a special deposit, the fact that the bank treats the account as if it had title to the funds ( i.e., by using them in a way that requires title, such as loaning the funds), does not turn the account into a general deposit–such actions merely constitute a violation of the bank's obligations. See People v. City Bank of Rochester, 96 N.Y 32 (N.Y. 1884) (finding that an account created for a specific object"does not depend on... incidental circumstances" and that once the funds" were impressed with a trust,... no change of them into any other shape could divest it so as to give the bank or its receiver any different or more valid claim in respect to them than the bank had before the conversion."); see also Foulkrod, 334 N.Y.S.2d at 617 ("When a customer indicates that a deposit is made for a special purpose, the bank, by accepting the deposit, agrees to devote the fund to that purpose.") (internal quotation marks and citations omitted). Were the law otherwise, a bank could unilaterally frustrate the terms of an explicit special deposit agreement simply by treating the account as a general deposit.
The reasoning in Mechanics Trust, City Bank of Rochester, and Foulkrod are all consistent with the case law indicating that the existence of an express agreement is the critical determination for whether an account is a general deposit, giving rise to a creditor-debtor relationship, or a special deposit, giving rise to a bailor-bailee type of relationship. The Agreement explicitly creates the substantive rights and duties that constitute a special deposit. FDIC fails to demonstrate that the litany of issues it raises a genuine issue of material fact with regard to the expressed intent of Merrill and Superior to create a special deposit.
As a result, the court grants Merrill summary judgment with regard to Count I and finds that the Custodial Account was a special deposit, which in the receivership proceedings of Superior entitles Merrill to full recovery and priority over uninsured deposit claims.
C. Counts II & III: Setoff and Declaratory Relief
Merrill requests summary judgment on Counts II and III only in the alternative to relief under Count I. The court, therefore, need not decide the issues under Counts II and III, because these requests for relief assume that the court has found the funds in the Custodial Account to be an uninsured deposit claim subject to a pro rata recovery, not a special deposit subject to full recovery. In any case, Merrill has conceded that the declaratory relief it seeks under Count III is moot and should be dismissed. See Pl.'s Reply at 51.
The Agreement expresses the shared intent of Merrill and Superior to make the Custodial Account a special deposit. None of the arguments made by FDIC raises a genuine issue of material fact about the existence of a special deposit. As a result, Merrill's motion for summary judgment must be granted and FDIC's cross motion for summary judgment must be denied. An appropriate order accompanies this memorandum opinion.
For the reasons set forth in the Memorandum Opinion issued on this date, the court grants judgment for plaintiff. Accordingly, it is this 6th day of November, 2003, hereby
ORDERED AND ADJUDGED that the funds in the Custodial Account constitute a special deposit to which plaintiff Merrill Lynch holds full title, and that defendant FDIC is therefore obliged to remit the full value of the Custodial Account to Merrill, less any amounts FDIC has already returned.
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text:
Genesis 3:6-7:
When the woman saw that the fruit of the tree was good for food and pleasing to the eye, and also desirable for gaining wisdom, she took some and ate it. She also gave some to her husband, who was with her, and he ate it. Then the eyes of both of them were opened, and they realized they were naked; so they sewed fig leaves together and made coverings for themselves.
It's the moment in history when everything fell apart.
We're still feeling the effects of what Eve did this day in the garden. The tempter was sly. Convincing her that what God said was false and even that God was holding something back from her.
The Bible says that after Eve ate and gave some to Adam, they suddenly realized they were naked. They were suddenly knee deep in sin and realized their inadequacy.
God had given Adam and Eve everything they could have ever wanted. They had an entire garden. They had food at their finger tips. They had no reason to want more or any reason to doubt God. However, one encounter with the Tempter changed their thinking.
Genesis 3:21 goes on to say this:
The LORD God made garments of skin for Adam and his wife and clothed them.
Do you understand what this means? For the first time, man appeared sinful in the eyes of God. God hated the sin of Adam and Eve. God despised the fact that they had chosen to disobey Him.
God loved Adam and Eve enough to cover their sins.
God loved them enough to help them through their inadequacy.
And so the story goes throughout the next few thousand years. God reaching out to man, trying to make a way for relationship with them.
Eventually, God had enough and decided that the only way to fix it once and for all was to offer His most valuable gift… Christ.
Today, walk in the love, forgiveness, mercy, and power of God.
Today, it doesn't matter what you did yesterday.
Today, remember that while God hates sin, He's passionately in love with you.

subset: commoncrawl


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Forced perspective photography combines an unlimited focus range with an expansive landscape to create a photo that your mind interprets to be real. The effect is a Photoshop-less photo forgery. Environmental Graffiti has collected a fantastic gallery of such images, including the one above by Alexandre Duarte.
The most famous subject for forced perspective imagery is the Leaning Tower of Pisa images displaying a person holding up the tower. Of course, when you tilt the camera even a few degrees in... READ ON
1. Two times when I was a kid—once at a restaurant called The Boathouse in Sarasota, Florida—my dad was mistaken for Tom Hanks. Or at least he was mistaken for someone who looked a lot like Tom Hanks during the Big era. (The two have made wildly different hairstyle choices since the late-1980s, so the resemblance has faded.) The only famous person I've been told I look like is former St. Louis Rams coach Mike Martz, who is 28 years my senior. Though I did play a convincing Skipper one... READ ON
Woman Tries to Steal Puppy at Gunpoint
24-year-old Ashleigh Johnson of Kellyville, Australia placed an ad to sell a Chihuahua puppy. An unnamed 26-year-old woman who responded to the ad went to Johnson's home and met the puppy named Diego. While the woman was holding the dog, she pulled a gun and said she "needed love" and was taking the puppy without paying the $1500 price. Johnson's father, a security guard, grabbed the gun. Johnson's brother, a police officer, helped to... READ ON
Well, this is one way to deal with discrimination -- hundreds of dwarves in southern China have chosen to live in a special mountain commune all their own, where residents must be less than four feet three inches tall to stay. They have their own fire brigade and police department, and now -- to help bring in money during a stalled economy -- they've started a little-people-themed amusement park all their own. Visitors can pay a fee to stroll amongst specially-built mushroom houses and interact with... READ ON
The answer to today's Brain Game might be obvious to a particular portion of our readership, but not so much to others. Where's the line? You'll have to figure that out. Good luck!
What makes the following seven words (and others in the same vein) particularly tricky to handle for certain translators?
arena, cargo, mayor, once,
pan, sensible, tuna
Here is the ANSWER.
They are "false Spanish-English cognates":Â words that are spelled the same in both languages, but mean... READ ON
The 2009 Ig Nobel Prizes were awarded last night at Harvard University. The winners include the researchers who did an experiment to determine whether it is better to be smashed in the head with an empty beer bottle or a full one.
Fifteen years after the bones were found, a new species of hominid dating from 4.4 million years ago has been publicly unveiled. Meet Ardipithecus ramidus. (via Metafilter)
6 Beloved TV Shows (That Traumatized Cast Members For Life). Hey, nobody said stardom was easy!
We're doing a week of women on "Feel Art Again." Today's post brings you the four most prominent female artists of the Venetian Renaissance: Sofonisba Anguissola, Diana Mantuana, Marietta Robusti, and Lavinia... READ ON
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Last night, the Twins played the Tigers in a battle of teams from the AL Central. With Detroit out to a 5-1 lead, the Twins started a mini-rally in the top of the 6th. Joe Mauer, who is one of the favorites to win the AL MVP, ended up on second base and immediately started to steal signs, tipping his teammate at bat to which pitch would be coming next. In honor of Mr. Mauer's gamesmanship, tonight's Late Movies are a collection of people who have been caught stealing...
Here is a seagull (yes, a... READ ON
It's time for our semi-regular reminder of our Twitter account's existence. Earlier this week, Maxim Magazine named us in their list of 100 Twitter Feeds Every Guy Should Follow. Any time we're mentioned in the same breath as Wired, Bob Vila and Borat, I'm... READ ON
Longtime readers will know that I'm a fan of great documentaries, and the PBS series Frontline is among the best televised documentary content in the world. I just got a heads-up that their new season starts on October 13 with an episode called "Obama's War," about the situation in Afghanistan -- sometimes called "the good war" (in comparison to Iraq) or, now, "Obama's War."
As a special preview, Frontline producers have released the initial 24 minutes of the documentary, online-only, for a limited... READ ON
Look, call me a traditionalist, but when it comes to toothpaste, I want mint. Fresh mint, spearmint, minty-mint; I don't care, but I want mint. The makers of these 10 toothpastes, mouthwashes and flosses would surely call me old-fashioned, but I can't help myself. Maybe they'll appeal to you.
1. Indian Curry. I love curry, but I'm not sure I want to brush my teeth with it. This flavor was sold by a company called Breath Palette, which offered 31 flavors of toothpaste for... READ ON
Years of expansion and multiple franchise relocations have made the NHL a much different league than it was just two decades ago. Since the NHL season begins tonight, let's see if you can name all 30 current NHL teams. We don't need city or state names, just the team names. Give it a shot!
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Used Sedan - 2012 Mazda Mazda6 i Touring in Naples, Fl
Actual costs may vary.
Boasts 31 Highway MPG and 22 City MPG! This Mazda Mazda6 delivers a Gas I4 2.5L/152 engine powering this Automatic transmission. Warning lights -inc: airbags, battery charge, check engine, door ajar, high-beam, low fuel, oil pressure, parking brake, seat belts, Variable-intermittent windshield wipers, Triple-H body construction.*This Mazda Mazda6 Comes Equipped with These Options *Trip computer, Traction control system (TCS), Tire pressure monitoring system (TPMS), T115/70D16 temporary spare tire, Sunvisors w/illuminated vanity mirrors, sliding extensions, Silver trimmed rear sport type taillights, Remote release -inc: trunk, fuel-filler door, hood, Remote keyless illuminated entry, Rear window defogger, Rear seat heater ducts.* Stop By Today *Stop by Tamiami Hyundai located at 6780 Airport Rd, Naples, FL 34109 for a quick visit and a hassle-free deal!Scores 31 Highway MPG and 22 City MPG! This Mazda Mazda6 boasts a Gas I4 2.5L/152 engine powering this Automatic transmission. Warning lights -inc: airbags, battery charge, check engine, door ajar, high-beam, low fuel, oil pressure, parking brake, seat belts, Variable-intermittent windshield wipers, Triple-H body construction.* This Mazda Mazda6 Features the Following Options *Trip computer, Traction control system (TCS), Tire pressure monitoring system (TPMS), T115/70D16 temporary spare tire, Sunvisors w/illuminated vanity mirrors, sliding extensions, Silver trimmed rear sport type taillights, Remote release -inc: trunk, fuel-filler door, hood, Remote keyless illuminated entry, Rear window defogger, Rear seat heater ducts.* Stop By Today *Test drive this must-see, must-drive, must-own beauty and get a hassle-free deal today at Tamiami Hyundai, 6780 Airport Rd, Naples, FL 34109.
- Fuel Consumption: City: 22 Mpg
- Fuel Consumption: Highway: 31 Mpg
- Remote Power Door Locks
- Power Windows
- Cruise Controls On Steering Wheel
- Cruise Control
- 4-wheel Abs Brakes
- Front Ventilated Disc Brakes
- 1st And 2nd Row Curtain Head Airbags
- Passenger Airbag
- Side Airbag
- Bluetooth Wireless Phone Connectivity
- Digital Audio Input
- In-dash 6-disc Cd Player
- Mp3 Player
- Am/fm/satellite-prep Radio
- Speed Sensitive Audio Volume Control
- Total Number Of Speakers: 6
- Braking Assist
- Abs And Driveline Traction Control
- Stability Control
- Privacy Glass: Light
- Silver Aluminum Rims
- Wheel Diameter: 17
- Wheel Width: 7
- Front Fog/driving Lights
- Leather/metal-look Steering Wheel Trim
- Leather/metal-look Shift Knob Trim
- Metal-look Dash Trim
- Trip Computer
- External Temperature Display
- Tachometer
- Manufacturer's 0-60mph Acceleration Time (seconds): 8.9 S
- Power Remote Driver Mirror Adjustment
- Power Remote Passenger Mirror Adjustment
- Dual Illuminated Vanity Mirrors
- Audio Controls On Steering Wheel
- Power Remote Trunk Release
- Front Reading Lights
- Cloth Seat Upholstery
- Bucket Front Seats
- Rear Bench
- Fold Forward Seatback Rear Seats
- Rear Seats Center Armrest
- Tilt And Telescopic Steering Wheel
- Speed-proportional Power Steering
- Suspension Class: Regular
- Interior Air Filtration
- Manual Front Air Conditioning
- Tire Pressure Monitoring System
- Cargo Area Light
- Max Cargo Capacity: 17 Cu.ft.
- Vehicle Emissions: Sulev Ii
- Fuel Type: Regular Unleaded
- Fuel Capacity: 18.5 Gal.
- Instrumentation: Low Fuel Level
- Clock: In-radio Display
- Headlights Off Auto Delay
- Driver Seat Head Restraint Whiplash Protection
- Head Restraint Whiplash Protection With Passenger Seat
- Coil Front Spring
- Regular Front Stabilizer Bar
- Independent Front Suspension Classification
- Double Wishbone Front Suspension
- Four-wheel Independent Suspension
- Coil Rear Spring
- Rear Stabilizer Bar: Regular
- Independent Rear Suspension
- Multi-link Rear Suspension
- Front And Rear Suspension Stabilizer Bars
- Variable Intermittent Front Wipers
- Steel Spare Wheel Rim
- Spare Tire Mount Location: Inside Under Cargo
- Body-colored Grille
- Center Console: Full With Covered Storage
- Overhead Console: Mini With Storage
- Curb Weight: 3
- 329 Lbs.
- Gross Vehicle Weight: 4
- 400 Lbs.
- Overall Length: 193.7
- Overall Width: 72.4
- Overall Height: 57.9
- Wheelbase: 109.8
- Front Head Room: 39.4
- Rear Head Room: 37.3
- Front Leg Room: 42.5
- Rear Leg Room: 38.0
- Front Shoulder Room: 57.3
- Rear Shoulder Room: 56.5
- Front Hip Room: 55.1
- Rear Hip Room: 55.9
- Two 12v Dc Power Outlets
- Seatbelt Pretensioners: Front
- Rear Center Seatbelt: 3-point Belt
- Door Reinforcement: Side-impact Door Beam
- Engine Immobilizer
- Cargo Tie Downs
- Floor Mats: Carpet Front And Rear
- Cupholders: Front And Rear
- Door Pockets: Driver And Passenger
- Seatback Storage: 2
- Tires: Width: 215 Mm
- Tires: Profile: 55
- Tires: Speed Rating: V
- Diameter Of Tires: 17.0
- Type Of Tires: Performance As
- Tires: Prefix: P
- Left Rear Passenger Door Type: Conventional
- Rear Door Type: Trunk
- Right Rear Passenger Door Type: Conventional
- Body-colored Bumpers
- Window Grid Antenna
- 4 Door
- Driver Airbag
- Child Safety Locks
Major Accidents, Lemon History and Odometer Problems
» View The FREE CARFAX History Report
2012 Mazda Mazda6 ReviewThis car review is specific to this model, not the actual vehicle for sale.
Sedans that look like coupes and go zoom-zoom.
The Mazda6 is a midsize sedan that looks like a coupe. On the road, it acts like a coupe with sporty driving dynamics and sparkling acceleration performance. The Mazda6 delivers good fuel economy and it's attractively priced. Inside is a nice cabin loaded with convenience features. There's plenty of room for four adults, it can seat five, and it has a big trunk.
The 2012 Mazda6 carries over unchanged. Mazda6 was last redesigned for the 2009 model year, and 2011 brought styling revisions and interior upgrades.
Two engines are available. Mazda 6i models come with a 2.5-liter four-cylinder. Mazda 6s versions get a 3.7-liter V6. The 2.5-liter four-cylinder has 170 horsepower and 167 pound-feet of torque and is EPA-rated at 21/30 mpg City/Highway with the 6-speed manual transmission, 22/31 mpg with the 5-speed automatic. We found the four-cylinder engine a good choice. It cruises effortlessly on the open highway and works well around town with either transmission. The 6-speed manual is the sporty choice with closely spaced gear ratios.
The 3.7-liter V6 makes 272 horsepower and 269 pound-feet of torque, delivers extraordinary performance, and is EPA-rated at 18/27 mpg. The V6 engine delivers loads of mid-range power and strong acceleration performance. We found it a delight to drive, with a 6-speed automatic mated to the most powerful V6 in the class.
Mazda6 competes against an impressive group of midsize sedans. Among them: Toyota Camry, Honda Accord, Chevrolet Malibu, Nissan Altima, Volkswagen Jetta, Hyundai Sonata, Kia Optima. Those who fully enjoy and appreciate the driving experience may find the Mazda6 the most compelling. Competitive pricing may seal the deal.
The Mazda6 looks smaller and trimmer than other midsize sedans. In fact, it's just an inch shorter than the 2012 Accord and it's actually three inches longer than the 2012 Camry.
The Mazda6 offers just as much legroom as either the Honda or the Toyota, though the swoopy roof eats up an inch of headroom. And the Mazda6 has just as much legroom in the back seats as the Honda Accord. We found the seating comfortable, front and rear. Leather upholstery is available in addition to the nice cloth that comes standard. And the Mazda6 offers slightly more luggage room than what's available in either the Honda Accord or Toyota Camry. We liked the navigation system and the stereo and we found everything easy to use. Visibility is very good.
Sporty handling is this car's best feature. Each Mazda6 model has its own calibrations for the same suspension system, and they tend to feel more buttoned down as price and engine size increase. A lot of the differences relate to tires. Four-cylinder models with 17-inch wheels offer livelier handling due to lighter weight. The V6 models on 18-inch wheels offer lots of grip but ride quality is a bit too firm for rough pavement.
Overall, the Mazda6 is an excellent choice for driving enthusiasts who want a practical midsize sedan.
Mazda 6i Sport ($20,240) comes with cloth upholstery, air conditioning, power windows/locks/mirrors, tilt/telescope steering wheel, 60/40 folding rear seat, six-speaker sound system, keyless remote entry, cruise control, and steering wheel mounted controls. The 6-speed manual gearbox that comes standard became a close-ratio unit in 2011. A 5-speed automatic ($21,240) is also available.
Mazda 6i Touring ($22,885) comes only with the automatic transmission, and adds 17-inch alloy wheels, fog lights, eight-way power driver's seat, leather-trimmed steering wheel and shift knob, center console sliding armrest, trip computer, in-dash 6CD changer, premium trim, and Bluetooth. The Mazda 6i Touring Plus ($24,490) adds a power moonroof, ground illumination, electroluminescent gauges, anti-theft system, and Blind Spot Monitoring System.
Mazda 6i Grand Touring ($27,070) upgrades with leather seats (heated in front), dual-zone climate control, welcome lighting, Bose sound system, and multi-information display with rearview camera. Options for Grand Touring include a navigation system ($2,000), and the Technology Package ($1,785), which adds automatic headlamps, advanced keyless entry, push-button start, auto-dimming and heated exterior mirrors, auto-dimming interior mirror, Homelink universal garage-door opener, Sirius Satellite Radio, xenon headlamps, LED rear combination lights, driver's-seat memory, power passenger seat, and rain-sensing wipers.
Mazda 6s has the 3.7-liter V6 engine, a 6-speed automatic transmission, and chrome dual-exhaust outlets. It's available with the Touring Plus ($27,330) or Grand Touring ($29,570) trim levels, which are equipped similarly to the i models, although the s Grand Touring gets 18-inch alloy wheels.
Safety features include front, front-side and side-curtain airbags, electronic stability control, traction control and ABS. The Blind Spot Monitoring System is standard on Touring Plus and Grand Touring models.
If you were to stretch the shape of the Mazda6, you'd find the influence of the RX-8 sports car in numerous places. This is a distinctive car, and if you like modern design, you'll like the Mazda6.
The Mazda6 does not look like a big car. With its flowing roofline, wraparound overhangs that appear shorter than they are, classy grille and front fascia, and sleek lines overall, the Mazda6 comes across as a smaller, trimmer, tidier car than some of its competitors.
The headlights are housed in sleek and stylishly shaped housings, each headlamp like a squeezed trapezoid or pea pod with pointy ends, inlaid on the graceful front fenders. An upper body crease that would normally go to the front wheel stops just shy of the fenders, and the rear wheel arches have double creases to mirror the front.
The Mazda6 five-sided grille has a deep V-shape to it and it's all body-colored, except for the chrome winged Mazda logo. The fog lights are set in horizontal openings surrounded by some light gray plastic and horizontal character lines in the air dam. At the rear, the horizontal taillamps wrap around the sides, and our four-cylinder had neat twin pipes coming out the right rear, connected to a twin-outlet muffler. The 17-inch alloy wheels on our Mazda 6i Grand Touring were beautiful, and bore Michelin P215/55R tires.
The Mazda6 cabin uses contemporary materials, with metallic-finish surfaces rather than phony wood trim. The exception is the console trim that slashes across the passenger's dash which, on some models, appears a cross between silver-veined black granite and ash-black burnt wood with wide rings in it. It's a look we've not run across recently. We especially liked the brushed aluminum look of the rings around the instruments on our car.
The seats are cloth on the Sport, Touring, and Touring Plus, and have good support and comfort. It's a new cloth that was first appeared on 2011 models, but it's sporty and rugged like the previous material. Mazda has long been a leader in cloth upholstery. Our Mazda 6i Grand Touring had perforated black leather and was beautiful.
The seats are comfortable front and rear, regardless of upholstery. There is generous room inside, so even six-foot-plus bodies can sit in front and then jump in back without moving the front seat, even on cars with the moonroof. The rear seat offers plenty of room, a center armrest (no pass-through), and a 60/40 split seatback that's easy to fold.
Visibility is good in all directions. The hood slopes out of sight, common in this aerodynamic era. The roof pillars are not so wide that they obstruct vision; the outside mirrors are fairly low and so is the dashboard, all adding up to a good view out. Xenon headlights are included with the Grand Touring Technology Package. Dash and cabin lighting are more than adequate with either set of gauges.
Instruments are laid out with fuel and tachometer to the left, speed and coolant temperature to the right. Between the two are the odometers, outside temperature. When shifting an automatic manually the gear selected is shown above the odometers.
At top center of the dash is a deep red digital display for climate, radio and clock that's easily read by anyone in the car. Below it are center vents, the audio system or navigation if so equipped, and basic three-ring climate controls. Big omnidirectional round vents are on each end of the dash for ventilation. Lights and wipers are on stalks. Some secondary controls are to the left of the steering wheel next to a small storage tray. Redundant audio, telephony and cruise controls are on the steering wheel.
All the systems are simple to use. Our biggest complaint is the beep that accompanies every volume adjustment made by the steering wheel toggle. But this is probably one of the 24 adjustments, including door lock programming, turn signal click volume, and blind spot monitor, the dealer can alter for you.
The navigation system worked without error, and gave good voice responses. The standard Bose sound system with 10 speakers including a 9-inch subwoofer sounded good.
Good storage space can be found in the center console, doors, and glovebox.
A Blind Spot Monitoring System comes on Touring Plus and Grand Touring models, though we have noted no significant blind spots on the Mazda6. At speeds greater than 20 mph the system senses vehicles adjacent; it casts an orange image onto the exterior mirror if it senses your car going where another car is, and makes a noise if you signal while it senses a vehicle in the way. It can be a very helpful feature. We found it worked better on the Mazda6 and caused fewer false alarms than similar systems we've tried on some other brands.
Cargo space is one of the strong suits of the Mazda6. With 16.6 cubic feet of volume, the Mazda6 is at or near the top of the class in cargo space. It also boasts a low liftover height: One needs to lift cargo only to the top of the bumper and slide it in, the car's sweeping roofline making the vertical opening much larger than the depth aspect. There are no hinges or trunk arms within the opening nor cargo shelf impediments, and the rear seatbacks can be released from the trunk.
The chassis structure is very stiff, which is a good thing. Chassis rigidity is a key element in allowing a smooth ride and sharp handling. We noted no creaks or squeaks from the Mazda6 while entering steep driveways or taking angled traverses of sharp bumps.
Driving Impression
Mazda's renowned zoom-zoom driving enjoyment comes with this refined Mazda6.
The 2.5-liter four-cylinder engine, with 170 horsepower, gets the job done just fine, with the best coming on as the rev counter swings through the 4500-4800 rpm range and keeps pulling to near redline. It's plenty to get the Mazda6 around town or up a hill and cruises on the highway effortlessly at less than 3000 rpm, regardless of transmission. We never wish we had another hundred horsepower when driving it. Automatic and manual transmissions have well-spaced gears to make the best of the four-cylinder's output. The shift and clutch action on the close-ratio 6-speed manual show Mazda's sports car abilities without any sports car compromises.
The 3.7-liter V6, with 272 horsepower, has loads of mid-range torque and delivers better acceleration than the 2.5. In fact this engine is larger and marginally more powerful than its competitors. And it delivers good, if not class-leading fuel economy: 18/27 mpg for the 2012 model.
Each Mazda6 model has its own calibrations for the same suspension system, and they tend to feel more buttoned down as price and engine size increase. But a lot of this can be traced to tires, and a four-cylinder car with the 17-inch wheels is arguably the most fun on a winding road because it's a couple of hundred pounds lighter than the V6 models. But the standard 17-inch wheels only come with the automatic transmission; if you want the full sporty effect, with the 6-speed gearbox, you'd have to order the i sport and then get aftermarket wheels and tires, because the 17-inch alloy wheels aren't a stand-alone option.
At the top extreme, a V6 on 18-inch wheels has plenty of grip and surprisingly good sharp-impact rejection (think lane-divider dots) but it is on the firm side, not recommended for lousy infrastructure, and some road noise seeps in to the cabin. All the models have stability control, but it doesn't engage easily, suggesting there's a lot of stability inherent in the handling.
The closest competitors in the grip and ride components would be the Malibu V6 for ride, Altima V6 for fun, four-cylinder Accord for fun, Camry for commuting comfort, and Jetta for interior design. The Mazda6 leans toward the fun end of the spectrum, while maintaining a good ride quality.
The 2012 Mazda6 is a terrific entrant in the midsize class, with lots of room and refinement. It is definitely in the mainstream of midsize sedans, yet Mazda has maintained the exceptional driving characteristics for which the brand is well-known, a trait that should prove popular with those who enjoy driving and don't consider a car mere transportation.
NewCarTestDrive.com correspondent G.R. Whale reported from Los Angeles, with Sam Moses reporting from Washington state's Columbia River Gorge, and John F. Katz from south-central Pennsylvania.
Model Lineup
Mazda6 i Sport ($20,240), automatic ($2 1,240); Mazda6 i Touring ($22,885); Mazda6 i Touring Plus ($24,490); Mazda6 i Grand Touring ($27,070); Mazda6 s Touring Plus ($27,330); Mazda6 s Grand Touring ($29,570).
Assembled In
Flat Rock, Michigan.
Options As Tested
Navigation ($2,000); Technology Package ($1,785) includes auto on-off headlights, advanced keyless entry, push-button start, auto-dimming and heated exterior mirrors, auto-dimming interior mirror, Homelink, Sirius Satellite Radio, xenon headlights, LED rear combination lamps, driver's-seat memory, power passenger seat, rain-sensing wipers;.
Model Tested
Mazda6 i Grand Touring ($27,070).The Mazda6 is aimed squarely at the other Japanese family sedans that dominate the mid-size car segment in North America. Buyers can choose between two engines, a 170-hp 2.5-liter four-cylinder, or, a 272-hp 3.7-liter V6 engine. The 2.5 can be teamed with either a six-speed manual or optional five-speed automatic, while the V6 is bolted exclusively to a six-speed automatic transmission. Both automatic transmissions feature a manual shift mode. Standard safety equipment includes tire pressure monitoring, anti-lock brakes, electronic stability and traction control, side-impact and side-curtain airbags, while a blind spot monitoring system is standard on Touring Plus and Grand Touring trims. The Mazda6 is unchanged for 2012.
More Mazda Mazda6's On The Lot
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First, keep the wine cool! 55 degrees Fahrenheit is best, 65 is ok and 75 is doable. Anything higher and your playing with fire. Also, dramatic temperature fluctuations will negatively impact the quality of the wine, by giving it a flabby flavor, weak aroma and a character that lacks depth or complexity.
Second, Keep it away from direct sunlight! Sunlight will prematurely age the wine. In most red wines, aging isn't a bad thing, but organic aging is what we're after. Most dark bottles have a built-in UV protection filter, but since our wines are in a clear (what the industry calls 'flint') bottle… keeping them out of direct sunlight will keep your wine tasting young and fruity.
Third, Keep the wine still! Say what? I know, it's a weird rule, but constant agitation will not allow the natural sediment to rest on the bottom of the bottle. What sediment? As wine ages, or in this case, rests for long periods of time, the wine performs many chemical reactions. One reaction is the polymerization of proteins and tannins. This is a natural reaction and completely harmless won't negatively affect the wine. It may not, aesthetically, look the best, but don't fret… It's nothing to worry about.
Fourth, Keep the wine in an humid environment and on its side! So the corks DO NOT dry out, 65-75% humidity is the best to store wine. If the corks dry out, the seal breaks, allowing air into the bottle, causing rapid oxidation… which eventually ruins the bottle of wine. BUT, the good news is, most our pomegranate wine have screw-caps, except our pomegranate sparkling wine. SO, humidity is not a problem.
What are my storing options if I don't have a wine cave? Wine refrigerators are great, but can be pricy. If many of you are like me, closets and cabinets work best. Horizontal wine racks are very affordable and can be placed in a closet or cabinet. When all else fails, put that bottle in the fridge for an hour, then enjoy that evening. That's how I normally do it anyway! LOL


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Lamaze Babys First Teddy
Item Ref: LC27160
Mouseover image to zoom or click here for full image
The Lamaze Baby's First Teddy is a brightly coloured educational toy that will help your little one to develop motor skills and hand eye coordination.
- Details
With fun designs, bright contrasting colours, and varying textures, the Lamaze Baby's First Teddy will keep your little one busy for hours on end.
- Suitable from 0 -24 Months
- Bright contrasting colours and patterns stimulate vision
- Various textures to discover
- Helps to develop motor skills and hand eye coordination
- Reviews
Customer Reviews (0)
- Warranty


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Reading to Babies in the Womb
Reading to your unborn child can be beneficial in several ways. It helps relax the mother and child, it helps support a close parent-child bond, and it helps the child to developed language skills they will use later in life. It's not that your baby is taking pen and paper and writing down words he will say once he's born, but according to Oprah.com, "the rhythm and melody of voices they hear serve as their foundation for language."
Read to Your Child
Read a variety of books to your child. It sounds simple because it is. Reading to your child can help them develop a love for books and reading. You don't have to read for hours, but reading a few minutes a day can go a long way. Bedtime for school age children can be a good starting point or bath time for younger ones. As you make this your everyday routine, you will notice a difference in your child's language development and his excitement for story time.
Pickup a Book Yourself
Most parents are aware that children are more likely to do what they do rather than what they say. If your children see you talk on the phone or text a lot, you will likely see them imitating this around the house or during their play time. Therefore, a good way to help them appreciate literature and books is by showing them you think it's enjoyable enough to do too in your spare time. Soon you will see them imitating you in this regard as well.
Create Your Own Library
Proving your children with a variety of books will give them the opportunity to explore the world of literacy and in turn help their language skills. One way to do this is by creating your own library at home. You can add to it little by little as you can. The reward in the end is well worth it! Parents can always make good use of the public library. They sometimes offer story time and other literacy programs for children of all ages.
Amazon Price: $14.95 $6.41 Buy Now
(price as of May 18, 2016)


text:
2011 Coldspring Dr North Charleston Sc 29406 MLS# 1025534
1025534 - Residential
North Charleston, SC
LOCATION! LOCATION! This 2nd floor end unit is just waiting for you to call it home! As you enter the home you will find a large living room with a fireplace. The kitchen has been recently updated with new counter tops and all stainless steel appliances which convey with the home. Both bathrooms have been updated to include new vanities, sinks and faucets. The master bedroom has his/her closets. Both bedrooms have new ceiling fans. There is a screened in porch as well so you can enjoy a nice morning cup of coffee outside or relax in the evening time after work. Off of the screened in porch is a storage room. Woodhill Place has gone through a major renovation project in the last 2 years. They have painted the exterior of all buildings, the tennis court and pool have been updated and they also paved all of the roads through the complex. **Seller will pay $1,500 towards buyers closing cost with acceptable offer.** Note: there is a special assessment of $80 per month.*
Please contact us if you have any questions or comments.


text: Im looking to purchase a 5.1 Speaker System around the £500 price range . I have owed the Kef 5.1 mark 1 eggs and personally i did not rate them on the audio side .....they was good on av ,i have been looking at some B&W VM1 AV SPEAKERS & Stands in silver to match my sony 36" widescreen tv. I am so confused as there is so many to pick from can any one point me in the right direction. Ps my living room is only 12x14 so not much room for large floorstanders ,and the main speakers will be very close to the tv so they will have to be magnetically shielded as well. I have also been looking at the small tannoy fx set up can anyone tell me if they are any good as they only cost £198 . I am in the middle of buying a sony 940 Reciever of this forum to go with the speakers , so Basically im trying to get a good av sytem for as little as possible. Many thanks for taking your time to read my post and any help will be appreciated,and thx to JOHN F for doing me what i think is a good deal on the sony amp. All The Best For The New Year Everyone


text:
- Cascade ActionPacs power away greasy residue for sparkling dishes in one easy-to-use, premeasured pac. ActionPacs combine the scrubbing power of Cascade and the grease-fighting power of Dawn to leave your dishes virtually spotless with a brilliant shine. Formulated with built-in rinse aid action plus water softeners to help prevent hard water deposits on glasses, ActionPacs dissolve in your dishwasher to leave virtually no mess—only sparkling dishes. Simply load your machine, pop in a pac, and go! (from Cascade)BrandCascade
Cascade 2 in 1 ActionPacs Dish Detergent
Like That? You'll Love This.
- $3.83/ea
- $6.99/ea($0.35/ct)
- $0.88/lb
- Cloud 92-Ply Strong and Absorbent Paper Towels, Full Sheets3ct, 48 sheets ea$4.59/ea($1.53/ct)
- $6.29/ea($0.08/ct)
- Bounty2-Ply Paper Towels, Select-a-Size8ct, 63 sheets ea$13.99/ea($1.75/ct)
- $2.29/ea2 for $4.00
- $6.99/ea($0.27/ct)
- $0.99/ea5 for $4.00
- $2.63/ea
- $15.99/ea($2.56/pt)
- $9.99/ea($3.19/pt)


text:
Total Reviews
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2011 Toyota Tacoma Access Cab PreRunner 4dr Access Cab 6.1 ft. SB (2.7L 4cyl 4A)
The Tacoma truck is very reliable and dependable. I use the truck in my home inspection business and carry mainly ladders in the bed. I enjoy the bed tie-down system with sliding hooks along the bed rails. The cargo compartments in the side walls is a very nice feature. The truck has never broken down or had any problems in the 31K miles I have owned it. Maintenance requirements are minimal and mostly oil changes and drive shaft lubrication. The 4-cyl. engine is a little underwhelming, but adequate and economical. I average 18-19 mpg with mixed driving. Toyota quality is great. When it is time to replace this truck, I will replace it with another Tacoma truck.
2011 Toyota Tacoma Access Cab V6 4dr Access Cab 4WD 6.1 ft. SB (4.0L 6cyl 5A)
Bought my 2011 sr5 about a month ago. Did lots of previous research prior to buying it, fuel, reliability, pricing, etc. Month later, can't say enough of the Tacoma. Great mid size truck that stands up to all others with good gas mpg. Would highly recommend the Tacoma if your looking for a dependable mid size truck that delivers good fuel and pulling power for weekenders.
As trucks go, Tacoma is rated highly for its dependability. Time will tell
2011 Toyota Tacoma Access Cab 4dr Access Cab 6.1 ft. SB (2.7L 4cyl 5M)
I have now owned 4 Toyotas.Excluding a late 80s base model Tacoma, this is the worst vehicle I have ever owned. I will be slow to purchase a Toyota again.Cheap materials, cramped and awkward interior, an endless supply of mechanical failures. I am happy to say goodbye.I spent hours haggling over the Cruise Control failing at 70.Toyota made every excuse yet blamed me & the terrain (small incline).1 engine out of 12 takes synthetic.Of course my dealership filled it with standard and replaced it so the engine could sound like a VW bug for a while.Two...yes TWO rear bearings, a differential and a front strut later and this has been in the shop more than my last 3 cars combined!
I purchased the vehicle because of the resale rates.
Plain and simple i needed an efficient truck to haul things now and again, and do light duty work.
The truck looks nice on the interior at first glance but you quickly realize everything is plastic.
This truck fulfilled my desire as one would expect any pickup would. That's about where my fondness ends.
Make a decent vehicle, Toyota.
You're slipping in to the mentality that quality doesn't matter.
While i can actually lean against this truck without it causing a huge dent in the panel, unlike my last Tacoma, i find this truck a far stretch from being a "quality" ride.
2011 Toyota Tacoma Access Cab 4dr Access Cab 4WD 6.1 ft. SB (2.7L 4cyl 4A)
Love my truck, have had for 9,000 miles and I get 23 on highway and 18 in the city.Great off road.When towing a T@b trailer 1900 lbs need to down shift when going up Alaska mountains.If much heavier trailer I would suggest the V6.Pulls the T@b up mountains 65mph.
Off road, reliability
Better paint
2011 Toyota Tacoma Access Cab 4dr Access Cab 4WD 6.1 ft. SB (2.7L 4cyl 5M)
2011 Tacoma 4x4 5 spd std. this is the cheapest truck I have ever owned you can't make it any cheaper it doesn't look like its built to last to me I see why all the frames on the older models rust out cheap metal 4 cyl. has no power clutch is weak it can't handle light work let alone heavy . the worst money I've ever spent, if you want a cheap truck and want to spend 26K than this is the truck for you.
Make a truck thats a truck for the price you charge
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There is almost no claims that Stan Asher made in his review that are true. I will address them one by one. First, Mr. Asher claims that the installers that came to install for him were installing for the first time. This is just completely untrue. The name of the installer is Moises. Moises did the complete install for Chima Restaurant downtown, (4) four QDoba Restaurants, and RuSan Restaurant just to name a few. Moises is a well seasoned installer. Mr. Asher knows that the issues that he had with the carpet were a manufacturers issue, and that the manufacturer confirmed that fact and paid for the reinstall. Second, Mr. Asher claims that we used staples to tack the carpet down the carpet. The truth is that we only used staples to secure carpet on the steps. This is the accepted method to install carpet on steps. Third, Mr. Asher claims that we recommended this carpet to him. Mr. Asher knows that this is a complete distortion of the truth. When we were introduced to Mr. Asher, he had already gotten a bid from another company for $6,000.00 to do the same job and he presented us with the carpet that the other company had given him. We got the exact same carpet and presented him with the color pallet to choose his color, and to choose the particular quality of carpet as this carpet comes in (3) three quality levels, Base, 20oz and 26oz. Based on price, Mr. Asher chose the 20oz carpet. We never recommended this carpet nor would we. This carpet is made to be installed with no seams and in very low traffic areas. We attempted to get Mr. Asher to get a higher quality carpet and he personally refused based on cost. We installed this carpet for $4300.00...the same job that the other company had quoted $6000.00. We did this job at our cost (and eventual loss) because we do ongoing business with someone from his congregation. Mr. Asher signed off on the job when we were finished and was completely aware of the customary (1) one year warranty. I personally spoke with Stan on 4 different occasions. His assertions that my employees shielded me from him is completely untrue. In addition, we have even offered to apply the entire cost of this job to redo the job with an appropriate carpet. Carpet South is a 15+ year old company with a extensive experience in the commercial flooring and residential flooring arena. We are now and have always been willing to work with Mr. Asher with in reason. Our offer to apply that money to a new job with the appropriate carpet stands. Jim Johnson President Carpet South Design Inc.
Charlotte Flooring Contractors
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Home Improvement Flooring Experts
Serving the Charlotte area.
- (866) 947-7497
Zeus Flooring
Serving the Charlotte area.
- (877) 704-3383
Empire Today
Serving the Charlotte area.
- (855) 208-5905
Grout Works of Charlotte
2112 Wright Ave, Greensboro, NC 27403
- (877) 478-5921
Old Town Wood Floors
2064 Walker Rd, Winston Salem, NC 27106
- (866) 848-0017
1. Ted Birmingham Hardwood Flooring
7929 Statesville RdCharlotte, NC 28269
From Business: Birmingham Wood Floor Company specializes in full service hardwood flooring and has been meeting the hardwood flooring needs of Charlotte and the surrounding areas …
2. Space Floors Inc.
801 Clanton RdCharlotte, NC 28217
From Business: Shop Local. Come visit our beautiful showroom conveniently located off I-77. We have a large selection of hardwood and laminate flooring to choose from. Top brands …
3. Yescas Construction
Charlotte, NC 28277
4. Empire Carpet & Blinds
10500 McMullen Creek PkwyCharlotte, NC 28226
From Business: CarpetHardwood FloorsBlindsCellular ShadesRugsFree Estimates
5. A1 Carpet and Tile
We have been looking for carpet change for about 3 years, what concerns us is the furniture move since our house is fully loaded. When we found A1 C…
6. North State Tile Distributors Inc
4141D Barringer DrCharlotte, NC 28217
7. Smart Flooring Solutions
Charlotte, NC 28213
From Business: With several years experience, Smart Flooring works hard to bring each customer the best possible service and quality available. We look forward to working with you…
8. Empire Today
7800 Providence RdCharlotte, NC 28226
9. Smith Floor Finishing & Remodeling Co Inc
646 Marsh RdCharlotte, NC 28209
10. Sears Home Improvement
8301 Arrowridge BlvdCharlotte, NC 28273
From Business: Trust Sears for reliable roof system products, installation and peace of mind on one of your biggest investments ? your home. With a Sears Roofing System, you?ll ge…
11. Pacer Floor Covering
Charlotte, NC 28216
From Business: Mobile Retail Carpet, Hardwood & Laminate Showroom. View our products in home or office.
12. Zeus Flooring
Couldn't believe how much difference hardwood flooring makes! It really changed my home completely around, I love it. Couldn't ask for a bettter ins…
13. Home Improvement Flooring Experts
Serving the Charlotte Area.
From Business: Home Improvement Flooring Experts will provide you with fast, easy, and affordable quotes on your next home flooring project. You can request quotes and set up sche…
14. Residential & Commercial Concrete Staining
11325 Nations Ford RdPineville, NC 28134
From Business: The folks at Epoxy Garage Floor Pros have been in the concrete coating business since the 1990s. Our knowledge, equipment, partner-vendors, and employees combine to…
15. Greg's Carpet and Tile
Greg came by this morning at 9 am as promised to repair a piece of carpet damaged by our dog. I really appreciate him letting me know that he was a…
16. Your Friendly Local Repair Guys - We Do It All
Dan and his workers did a great job, The drywall installation they did is perfect. They were quick,professional and courteous. I would highly recomm…
17. Tri State Professional Services
Serving the Charlotte Area.
From Business: Trust the professionals at Tri State Inc. to provide you with top Quality & Service for your home. Were committed to providing you with the highest level of service…
18. Creative Concept Flooring Etc
11328 E Independence BlvdMatthews, NC 28105
From Business: We Offer A Wide Range Of Custom Flooring Services.
19. Empire Today
Serving the Charlotte Area.
From Business: For over 50 years, Empire Today, has been providing quality, name-brand products at great prices to customers across the United States. Empire provides services to …
20. Empire Today
Serving the Charlotte Area.
From Business: Call Empire today to set up an appointment!For over 50 years, Empire Today, commonly known as Empire Carpet, has been providing quality, name-brand products at grea…
21. Old Town Wood Floors
Serving the Charlotte Area.
From Business: Call Old Town Wood Floors For Tile & Flooring Estimates Today!
22. Grout Works of Charlotte
Serving the Charlotte Area.
From Business: Call Grout Works of Charlotte For Tile & Flooring Estimates Today!
23. Wholesale Flooring Company
Very easy to get to off of 85, nice , professional staff.
24. Carolina Quality Flooring & CabinetsProducts
I cant explain how happy I am that I found this company to remodel my kitchen. They saved me thousands of dollars and provided top quality cabinets,…
25. Larry Helms Floor Sanding & Refinishing Inc
1015 Forsyth AveIndian Trail, NC 28079
26. Tri-State Professional Services
Serving the Charlotte Area.
27. Tri State Professional Services
Serving the Charlotte Area.
From Business: Trust the professionals at Tri State Inc. to provide you with top Quality & Service for your home. Were committed to providing you with the highest level of service…
28. Advanced Floor Coatings
Serving the Charlotte Area.
From Business: For over 15 years Advanced Floor Coatings has been providing the highest quality commercial / industrial applications of interior and exterior coatings, as well as …
29. Sears Home Improvement Roofing Systems
Huntersville, NC 28078
From Business: Trust Sears for reliable roof system products, installation and peace of mind on one of your biggest investments ? your home. With a Sears Roofing System, you?ll ge…
30. Residential Concrete Staining Services
11325 Nations Ford RdPineville, NC 28134
From Business: The folks at Epoxy Garage Floor Pros have been in the concrete coating business since the 1990s. Our knowledge, equipment, partner-vendors, and employees combine to…
I have personally done business with Carpet South Design for over 6 years. 4 years ago my family moved to a home that needed major remodeling which included lots of new flooring. Carpet South installed all new carpeting and hardwood floors. Jim Johnson personally handled our project and made sure that I was comfortable with the stain color of the floors (personally bringing stain colors to the house) provided various options for carpeting, and clearly laid out what to expect as far as time frame to install, etc. His invoice was clearly broken out as to each charge so that I was aware of each element of cost. His installers were always on time and completed the job in the time frame promised. Jim has always been professional, courteous and approachable. If he was not able to take care of something personally, he made sure that another one of his capable staff were available to assist me. I always appreciate how Jim is able to turn around a job for me very quickly and never seems to be too busy to help. I know when I call on him, I do not have to worry as the job will be taken care of. Being able to count on someone to do what they promise is a true blessing. I have recommended Jim Johnson and CSD for a number of years and will continue to do so in the future. As a matter of fact, Carpet South Design is installing carpet in a home for me next week!
I chose the Hardwood Giants to refinish my hardwoods about a year ago and they did a great job. The owner Phil went out of his way to get my floors done within the timeframe I required and the floors looked superb. I'm writing this review because of how great Phil has been since the job was completed a year ago. I got a long deep scratch across the middle of my office floor from someone sliding a heavy crate. I left Phil a voicemail and he called me back within the hour. I explained the situation and that the scratch was my fault and he said no problem. He got his guys to my house the next weekend and they not only fixed the scratch, but also installed new doorway transitions at no charge. I needed new ones because I tiled my kitchen floor last week and had to pull up the old ones. His worker also gave me padding for the feet of my furniture, as a precautionary measure to avoid scratching. I had to twist his workers arm to take a tip and there was absolutely no charge for any of it, Phil and his crew are honest and do business the old fashion way and I highly recommend them!


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CES 2015 – Mobile Power Options by Ventev, MyCharge and Zolt
Ventev As we become more reliant on mobile devices, we have to keep them powered. Many mobile devices struggle to get through a full day of use before dying at a bad time. If you are on the go, you might not have time to sit down and use a wall charger. Ventev has been …more


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Dorm room fun with Stevie Shea tank top with hard
DareDorm - Dorm girls have some fun with paint
Hardcore fun in the ladies dorm with pretty teens
Boy fun college dorm
Slippery fun in a college dorm
University Students Have Fun Within Their Dorm
Jello wrestling and some hot dorm room fun
Dildo Fun Time With MILF
Fun time with the wife.
Fun time with his girlfriend
Fun time with the Hitachi
Fun time with naughty BFFs
Solo fun time with my pussy
Fun Blowjob Time With Italian BBW
Summer time fun with jana jordan
Brit Sandie Shares A Cock In Ass To Mouth Fun
Two twinks get naughty and have fun in college dorm
Skinny guys fucking toys and having fun in dorm room
It is time to have fun with toys
Spend time with lesbians having fun on cam
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text:
Listing Courtesy of Suburban Home Realty
Listing information
- Beds: 3
- Total Rooms: 7
- Parking Type Description: Attached 2 cars
- Total Square Footage: 2,162 ($97.09 per sq. foot)
- County: Cook
- Elementary School: Hilltop Elementary School
- Style: Townhouse
- Baths: 4 (Full: 3 3/4: 0 1/2: 1 Other: 0)
- Stories: 2
- New Construction: No
- Estimated Annual Taxes: $5,562
- High School: Streamwood High School
- Subdivision: Sarasota Trails
- Year Built: 1990
- Status: Active
- Fireplaces: 2
- Foreclosure: No
- Association Fee: $215
- Middle School: Canton Middle School
Additional Rooms No additional rooms
Age 26-30 Years
Air Conditioning Central Air
Appliances Dishwasher, Disposal, Dryer, Microwave, Oven/Range, Refrigerator, Washer
Area Streamwood
Assessment Includes Common Insurance, Exterior Maintenance, Lawn Care, Scavenger, Snow Removal
Basement Full, Walkout
Basement Bathrooms (Y/N) Yes
Basement Description Exterior Access, Partially Finished
Built Before 1978 (Y/N) No
Dining Room Combined w/ LivRm
Disability Access and/or Equipped No
Driveway Asphalt
Electricity 100 Amp Service, Circuit Breakers
Equipment Ceiling Fan, CO Detectors
Exterior Building Type Brick
Exterior Property Features Balcony, Patio
Fireplace Details Gas Starter, Wood Burning
Fireplace Location Living Room, Master Bedroom
Garage Details Garage Door Opener(s), Transmitter(s)
Garage On-Site Yes
Garage Ownership Owned
Garage Type Attached
General Information None
Heat/Fuel Forced Air, Gas
Interior Property Features 2nd Floor Laundry, Laundry Hook-Up in Unit, Skylight(s), Storage, Vaulted/Cathedral Ceilings, Wood Laminate Floors
Is Parking Included in Price Yes
Kitchen Type Eating Area-Table Space
Lot Description Cul-de-sac
Management Manager On-site
Master Association Fee No
Master Bedroom Bath Full
Other Bedrooms (Below Grade) - 0, Max Pet Weight - 20, Special Service Area - N, Tax Year - 2015, Total # Units in Building - 5, Total Full/Half Baths - 3.1, Township - Hanover, Unit Floor Level - 1
Ownership Fee Simple w/ HO Assn.
Parking Garage
Pet Information Cats OK, Dogs OK
Pets Allowed (Y/N) Yes
Possession Closing
Property Type Attached Single
Recent Rehab (Y/N) No
Roof Type Asphalt/Glass (Shingles)
Sale Terms Conventional, FHA, VA
Sewer Sewer-Public
Special Assessments N
Tax Exemptions Homeowner
Type Attached Townhouse-2 Story
Virtual Tour None
Water Lake Michigan
Waterfront (Y/N) No
Family Room Walkout Basement 25X12
Dining Room Main Level 12X11
Kitchen Main Level 11X10
Living Room Main Level 15X12
Bedroom 2 2nd Level 15X12
Bedroom 3 2nd Level 11X11
Laundry Room 2nd Level 11X10
Master Bedroom 2nd Level 26X12
Listing Courtesy of Suburban Home Realty


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Router Bits
Home > Rockler > Power Tool Accessories > Router Bits
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Freud® 99-015 Face Molding Router Bit - 1-1/16"e Dia x 1-5/8"e H x 1/2"e Shank -
Add architectural detail to your furniture, cabinets and millwork. Cuts all composition materials, plywoods, hardwoods, and softwoods. Use on hand-held and table-mounted portable routers.
$53.47 - LEARN MORE or BUY NOW
Rockler Bevel Router Bit - 1/4´´ Shank -
This 2 flute, 1/4´´ shank bevel bit produces a 30 degree profile and is ideal for creating chamfered edges to your project. Featuring 1/2´´ ball bearing guides this 1/4´´ shank bit prevents any burning on the edge of...
$19.99 - LEARN MORE or BUY NOW
Rockler Bevel Router Bit - 1/4"e Shank -
When used as a laminate trimming bit, the bevel cleans up any excess adhesive, and also knocks down any sharp edges or slivers that remain. The bits feature 1/2"e ball bearing guides to prevent any burning on the edge of your workpiece. 1/4"e...
$19.99 - LEARN MORE or BUY NOW
Rockler Pattern Flush Trim Router Bit - 1/2"e Dia x 1"e H x 1/4"e Shank -
Top quality router bits that meet the high standards of Rockler Woodworking and Hardware. Two flutes, for fast, smooth, accurate trim cuts. Precision ground to close tolerances, easily used for pattern or template cutting.
$21.99 - LEARN MORE or BUY NOW
Freud® 70-104 Key Hole Router Bit - 25/64"e Dia x 7/16"e H x 1/4"e Shank -
The large diameter at the end of this Key Hole Router Bit bores a hole to allow a nail or screw head to enter the slot, while the smaller diameter securely holds the shank of the nail or screw. Cuts all composition materials, plywoods, hardwoods, and...
$18.97 - LEARN MORE or BUY NOW
Freud® 91-108 9-Pc. Basic Router Bit Set - 1/2"e Shank -
Make your joinery and edge profiles look equally sharp with this 9-Piece Basic Router Bit Set from Freud. With a dovetail bit, three straight bits and a rabbeting bit, you´ll have the capability of cutting a full suite of high-quality joints. Use...
$176.47 - LEARN MORE or BUY NOW
Freud® 91-103 5-Pc. Introductory Router Bit Set H 1/2"e Shank -
With five of the most useful and well-used router bits in the shop, this 5-Piece Introductory Router Bit Set is sure to see plenty of use. The flush-trim bit is indispensable for flushing up face frames and shelf caps with their mating panels. Use the...
$98.97 - LEARN MORE or BUY NOW
Freud® 99-762 Shaker Stile and Rail Router Bit - 1-11/16"e Dia x 1/2"e Shank -
Now with Freud´s unique, patented Premier Adjustable Rail-and-Stile Router Bit system, you can build cabinet doors in a range of door thicknesses – all with perfectly fitting tenons! This easy-to-use solution produces Shaker-style rail-and-stile...
$127.47 - LEARN MORE or BUY NOW
Rockler Cove Vertical Raised Panel Router Bit - 1-1/4"e Dia x 1-5/8"e H x 1/2"e Shank -
Vertical panel raising bits concentrate more of their weight toward the center of the bit, reducing strain on the motor and allowing you to spin the bit at higher RPMs. This means you can raise panels with an ordinary 2 HP router mounted in a router table....
$54.99 - LEARN MORE or BUY NOW
Freud® 38-504 Quadra-Cut™ Classical Cove & Round Router Bit - 1-1/2"e Dia x 11/16"e H x 1/4"e Shank -
Freud´s exclusive Quadra-Cut™ 4 cutter design provides the smoothest cuts possible. You´ll get crisp, clean edges every time, even with cross-grain cuts in difficult materials. Application: Decorative edging for cabinets,molding and...
$47.97 - LEARN MORE or BUY NOW


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The Silver Surfer
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I guess the injury to Enroth might be a little worse then anticipated.The #Sabres have recalled Matt Hackett.
I guess the injury to Enroth might be a little worse then anticipated.The #Sabres have recalled Matt Hackett.
10 Team, Points Only, Cash League
25 Man Roster (no position), top 20 point getters count at end of month
Keep 20/25 at seasons end, Cut 5 to FA for redrafting
Goalie points W=2pt L=-1pt SHO=2pt
Stamkos, Tavares, JaBenn, Couture, Wheeler, Eriksson, Turris, Steen, Letang, Kucherov, Byfuglien, Burns, Zuccarello, Hoffman, JSchwartz, Fabbri, Boedker, KPalmieri, KConnor, BNelson, Donskoi, Bjorkstrand, Ladd
G- Vasilevskiy, Halak
"Cleavage is like the sun. You can look, but dont stare.. Unless youre wearing sunglasses."
I see this as a big opportunity for Hackett to show his stuff. They were big on him in Minny so he has got to make the most of this call up. Mind you, I heard Neuvirth is coming back too. Maybe Hackett doesn't even see the ice. What happened to this kid who was once called "can't miss"?
20-team, points only. G: 2-W, 4-SO.
Top 9F, 4D & 1G . Keep 15, Carry 20
F: Stamkos, Tavares, Tarasenko, Giroux, Stepan, Simmonds, Hornqvist, Koivu, Okposo, McGinn, B. Ritchie, Marchessault, Caggiula
D: Ekblad, Barrie, Byfuglien, Leddy, Skjei
G: Gibson, Vasilevskiy
Crosby's Kids
5 team, H2H: points, PPP, BS, Hits, W, SO, Saves
C: Crosby, Toews, Scheifele, Stepan, Krejci, Galchenyuk, Eichel
LW: Hall, Forsberg, Lucic, Laine, Kreider
RW: Tarasenko, Simmonds, Perry, Saad
D: Subban, Burns, Doughty, Barrie, Seabrook, Rielly
G: Schneider, Fleury, Murray, Budaj
Inj: Quick
Matt Hackett info here:
The Best Fantasy Hockey Site
15-Team Keeper, points only, best 12 fwd, 4 dman, 2 G count. Playoffs count.
F - Crosby, Wheeler, Zuccarello, Brassard, Marchand, Tavares, Kesler, Sheary, K.Hayes, Perron, Kunitz, Nelson, Lee, Kreider, Haula, Heinen, Lehkonen, White, Guentzel
G - Anderson, Talbot, Pickard, Brossoit
D - Yandle, Kronwall, D.Pouliot, Letang, Larsson, Stralman, Gostisbehere, Walman