text:
Home /
Our Sources / About Us
/ FAQs /
Advanced Search
Not what you're
looking for? Try an advanced search.
Official citation and/or docket number and footnotes (if any) for this case available with purchase.
Learn more about what you receive with purchase of this case.
May 12, 2010
ALLAN PARKS, PLAINTIFF AND APPELLANT,v.MBNA AMERICA BANK, N.A., DEFENDANT AND RESPONDENT.
Appeal from a judgment of the Superior Court of Orange County, Gail Andrea Andler, Judge. Reversed. (Super. Ct. No. 04CC00598).
Civil Code section 1748.9 (section 1748.9) requires credit card issuers engaged in extending credit to cardholders by means of a "preprinted check or draft" (known as "convenience checks" in the industry) to "disclose on the front of an attachment that is affixed by perforation or other means to the preprinted check or draft, in clear and conspicuous language, all of the following information: [¶] (1) That 'use of the attached check or draft will constitute a charge against your credit account.' [¶] (2) The annual percentage rate and the calculation of finance charges, as required by Section 226.16 of Regulation Z of the Code of Federal Regulations, associated with the use of the attached check or draft. [¶] (3) Whether the finance charges are triggered immediately upon the use of the check or draft."
Alleging systematic violations of section 1748.9, plaintiff Allan Parks filed a class action lawsuit against defendant MBNA America Bank, N.A. (MBNA)*fn1 for its purportedly unlawful business practices under Business and Professions Code section 17200 et seq. MBNA is a national banking association, organized under the laws of the United States and regulated by the Office of the Comptroller of the Currency (OCC). (See 12 U.S.C. §á1 et seq.) The trial court granted judgment on the pleadings to MBNA, following Rose v. Chase Bank USA, N.A. (9th Cir. 2008) 513 F.3d 1032 (Rose) in finding section 1748.9 preempted by federal law applicable to national banks. We conclude section 1748.9 is not, on its face, preempted and therefore reverse. Section 1748.9 does not preclude national banks from exercising their authority to lend money on personal security under section 24 of title 12 of the United States Code (Seventh). Furthermore, without a factual record, a court cannot conclude that section 1748.9 significantly impairs national banks' authorized activities.*fn2
As the court granted judgment on the pleadings to MBNA, we assume the truth of, and liberally construe, all properly pleaded factual allegations in Parks's complaint. (Stone Street Capital, LLC v. California State Lottery Com. (2008) 165 Cal.App.4thá109, 116 (Stone Street).)
In February 2003, MBNA issued a credit card to Parks. MBNA sent several preprinted drafts to his residence (and the residences of other similarly situated proposed class members) in late 2003. The drafts sent to Parks and the other proposed class members did not contain any of the three disclosures required by section 1748.9. Parks used two of the preprinted drafts; other proposed class members used drafts sent to them. Parks (and the other class members) incurred finance charges and interest charges for each transaction, as interest accrued as of the date of the transactions (there was no "grace period" as is typical in credit card transactions).
Parks, on behalf of himself and all others similarly situated, sued MBNA in June 2004 for its alleged violations of Business and Professions Code section 17200 et seq. Several years into the litigation, MBNA renewed a previously rejected motion for judgment on the pleadings, basing its renewed motion on subsequent case law — Rose, supra, 513 F.3d 1032. The court granted MBNA's motion and entered judgment against Parks.
We review the judgment de novo, as it was based on the trial court's grant of MBNA's motion for judgment on the pleadings. (Stone Street, supra, 165 Cal.App.4tháat p. 116.)
In all material respects, Rose, supra, 513 F.3d 1032, is factually identical to the case before us. In Rose, class action plaintiffs sued Chase Bank USA, N.A. (Chase) for its alleged violations of section 1748.9. (Rose, at pp. 1034-1035.) The convenience checks provided by Chase to its cardholders lacked disclosures required under section 1748.9. (Rose, at p. 1035.) The district court granted Chase's motion for judgment on the pleadings and the Ninth Circuit Court of Appeals affirmed. (Id. at p. 1036.) Both courts held federal law preempted section 1748.9 as applied to national banks. (Rose, at pp. 1037-1038; Rose v. Chase Manhattan Bank USA (C.D.Cal. 2005) 396 F.Supp.2d 1116, 1122-1123.)
Parks asserts Rose was wrongly decided. We are not bound to follow federal court precedent; however, "'numerous and consistent'" federal decisions may be particularly persuasive when they interpret federal law. (Etcheverry v. Tri-Ag Service, Inc. (2000) 22 Cal.4thá316, 320-321, overruled on another ground in Bates v. Dow Agrosciences LLC (2005) 544 U.S. 431, 437, 452.) If we are persuaded federal law preempts section 1748.9 as applied to national banks, the supremacy clause (U.S. Const., art. VI, cl. 2) obligates this court to honor federal law by holding section 1748.9 inapplicable to MBNA.
Uncontroverted Legal Framework
We begin our analysis by setting forth several uncontroversial propositions. First, "federal law can preempt state law in one of three ways: (1) expressly; (2) by actually conflicting with state law; or (3) by exclusively occupying a legislative field." (Miller v. Bank of America, N.A. (2009) 170 Cal.App.4thá980, 984 (Miller).)
Second, federal banking law sometimes, but not always, preempts state regulation as applied to national banks. "Business activities of national banks are controlled by the National Bank Act (NBA or Act), 12 U.S.C. §á1 et seq., and regulations promulgated thereunder by the [OCC]. [Citations.] As the agency charged by Congress with supervision of the NBA, OCC oversees the operations of national banks and their interactions with customers." (Watters v. Wachovia Bank, N.A. (2007) 550 U.S. 1, 6 (Watters).) "[F]ederal control shields national banking from unduly burdensome and duplicative state regulation. [Citations.] Federally chartered banks are subject to state laws of general application in their daily business to the extent such laws do not conflict with the letter or the general purposes of the NBA." (Id. at p. 11.)
Third, national banks are authorized by the NBA "to carry on the business of bankingá.á.á.áby loaning money on personal securityá.á.á.á." (12 U.S.C. §á24 (Seventh).) It is uncontested that federal law authorizes MBNA to extend credit by way of convenience checks to Parks and other credit card customers. (Cf. Smiley v. Citibank (1995) 11 Cal.4thá138, 146-147 ["It is clear that national banks are authorized to conduct credit card programs, to issue credit cards to holders, and to provide money thereunder to such persons and to others on their behalf in exchange for goods or services"].) But there is no reference to state law in the text of the NBA with regard to the business of loaning money on personal security. The NBA does not explicitly answer whether state law requiring particular disclosures in connection with convenience checks is preempted.
Fourth, OCC issued regulations in 2004 that purport to explain which state laws pertaining to non-real estate lending powers of national banks are preempted. In relevant part, these regulations provide: "(1) Except where made applicable by Federal law, state laws that obstruct, impair, or condition a national bank's ability to fully exercise its Federally authorized non-real estate lending powers are not applicable to national banks. [¶] (2) A national bank may make non-real estate loans without regard to state law limitations concerning: [¶]á.á.á.á[¶] (viii) Disclosure and advertising, including laws requiring specific statements, information, or other content to be included in credit application forms, credit solicitations, billing statements, credit contracts, or other credit-related documents." (12 C.F.R. §á7.4008(d) (2010).) "State laws on the following subjects are not inconsistent with the non-real estate lending powers of national banks and apply to national banks to the extent that they only incidentally affect the exercise of national banks' non-real estate lending powers: [¶] (1) Contracts; [¶] (2) Torts; [¶] (3) Criminal law; [¶] (4) Rights to collect debts; [¶] (5) Acquisition and transfer of property; [¶] (6) Taxation; [¶] (7) Zoning; and [¶] (8) Any other law the effect of which the OCC determines to be incidental to the non-real estate lending operations of national banks or otherwise consistent with the powers set out in paragraph (a) of this section." (12 C.F.R. §á7.4008(e) (2010) fn. omitted.)*fn3
Fifth, the federal Truth in Lending Act (TILA), title 15 of the United States Code section 1601 et seq., and its accompanying regulations (Regulation Z), 12 Code of Federal Regulations part 226.1 (2009) et seq., require specific disclosures by businesses offering consumer credit (including national banks issuing credit cards). TILA grants the Board of Governors of the Federal Reserve System (and not OCC) power to prescribe regulations and carry out the purposes of TILA. (15 U.S.C. §§ 1602(b),á1604(a).) MBNA is compelled by TILA and Regulation Z (not to mention contract law) to disclose the terms of the convenience checks it offers to consumers. But nothing in federal law specifies that such disclosures must be provided in "an attachment that is affixed by perforation or other means to the preprinted check or draft . . . ." (§á1748.9, subd. (a).) Moreover, nothing requires use of the precise language required in section 1748.9, subdivision (a)(1) — "That 'use of the attached check or draft will constitute a charge against your credit account.'" Subject to certain exceptions, TILA does not "annul, alter, or affect the laws of any State relating to the disclosure of information in connection with credit transactions, except to the extent that those laws are inconsistent with the provisions of this subchapter, and then only to the extent of the inconsistency." (15áU.S.C. §á1610(a)(1).) Neither party contends section 1748.9 is preempted by TILA or is otherwise inconsistent with TILA.
The Rose Cases Holding Section 1748.9 is Preempted
The district and circuit courts in Rose engaged in slightly different analyses. The Ninth Circuit observed that Congress explicitly granted national banks the power to loan money on personal security and that Chase exercised this power by extending credit via convenience checks. (Rose, supra, 513 F.3d at p. 1037.) The court distilled the following rule from Supreme Court precedent: "Where, as here, Congress has explicitly granted a power to a national bank without any indication that Congress intended for that power to be subject to local restriction, Congress is presumed to have intended to preempt state laws such as Cal. Civ. Code §á1748.9." (Ibid.) Given the stated legal rule and the circumstances of the case, the Rose court held it was required by Supreme Court precedent to conclude section 1748.9 was preempted. (Rose, at p. 1038.) Rose relied on three Supreme Court cases in support of its conclusion: Watters, supra, 550 U.S. at p. 18; Barnett Bank of Marion County, N.A. v. Nelson (1996) 517 U.S. 25, 33-35 (Barnett); and Franklin Nat. Bank of Franklin Square v. People (1954) 347 U.S. 373, 378 (Franklin). (Rose, at pp. 1037-1038.)
The Rose district court began with a similar analysis. (Rose v. Chase Manhattan Bank USA, supra, 396 F.Supp.2d at pp. 1119-1120.) In addition, the district court proceeded to analyze 12 Code of Federal Regulations part 7.4008(d) (2010). (Rose v. Chase Manhattan Bank USA, supra, at pp. 1121-1122.) The district court found part 7.4008(d) to be compatible and consistent with prior Supreme Court decisions. (Rose v. Chase Manhattan Bank USA, supra, at p. 1121.) The district court further found part 7.4008(d) to be "a valid exercise of the Comptroller's power to preempt inconsistent state law" (Rose v. Chase Manhattan Bank USA, supra, at pp. 1121-1122) under the notice and comment rulemaking procedures prescribed by title 12 of the United States Code section 43. This regulation preempts section 1748.9 because it deems inapplicable to national banks state laws that "obstruct, impair, or condition a national bank's ability to fully exercise its Federally authorized non-real estate lending powers" (12 C.F.R. §á7.4008(d)(1) (2010)) and it authorizes a "national bank [to] make non-real estate loans without regard to state law limitations concerning: [¶]á.á.á.á[¶] [d]isclosure and advertising, including laws requiring specific statements, information, or other content to be included iná.á.á.ácredit-related documents" (12 C.F.R. §á7.4008(d)(2)(viii) (2010); Rose v. Chase Manhattan Bank USA, supra, at pp. 1121-1122.)
We must affirm the judgment if we agree either that the result in Rose, supra, 513 F.3d at page 1037, follows from Supreme Court precedent, or that 12 Code of Federal Regulations part 7.4008(d) (2010) is a validly enacted regulation that preempts by its own force section 1748.9.
No Preemption by the NBA
As noted above, the NBA (in particular, 12 U.S.C. §á24 (Seventh)) provides little guidance on the question of whether state laws requiring disclosures in addition to those required by federal consumer protection law should be preempted when applied to national banks. Unlike the Ninth Circuit Court of Appeals, we do not think United States Supreme Court authorities provide an easy answer either.*fn4
In Franklin, New York passed a law prohibiting all entities other than state-chartered savings banks or savings and loan associations from making "'use of the word "saving" or "savings" or their equivalent in its banking or financial business, or use any advertisement containing the word "saving" or "savings," or their equivalentá.á.á.á.'" (Franklin, supra, 347 U.S. at p. 374, fn. 1.) Federal law authorized national banks to receive "'savings deposits.'" (Id. at p. 375.) The appellant violated the state law by using "the word 'saving' and 'savings' in advertising, in signs displayed in the bank, on its deposit and withdrawal slips, and in its annual reports." (Id. at p. 376.) The Supreme Court found a "clear conflict" between New York's law and federal law. (Id. at p. 378.) The Supreme Court held national banks must be permitted to accept savings deposits; further, national banks may not be restricted from describing or advertising its services as savings accounts because this is necessary to compete in the business of accepting deposits in the banking industry. (Ibid.)
In Barnett, the Supreme Court was presented with the question of "whether a federal statute that permits national banks to sell insurance in small towns pre-empts a state statute that forbids them to do so." (Barnett, supra, 517 U.S. at p. 27.) The Florida statute at issue stated, "in essence, that banks cannot sell insurance in Florida — except that an unaffiliated small town banká.á.á.ámay sell insurance in a small town." (Id.áatáp.á29.) The court first observed there was no irreconcilable conflict between the two statutes: national banks could comply with both federal law and state law by not acting as an insurance agent in Florida. (Id. at pp. 31-32.) But the Court concluded the federal grant of authority — "national banks 'may . . . act as the agent' for insurance sales[á(12áU.S.C. §á92)]" — was designed to grant "a broad, not a limited, permission." (Id. at p. 32.) The court next summarized relevant law: "[N]ormally Congress would not want States to forbid, or to impair significantly, the exercise of a power that Congress explicitly granted. To say this is not to deprive States of the power to regulate national banks, where (unlike here) doing so does not prevent or significantly interfere with the national bank's exercise of its powers." (Id. at p. 33.) The court held the Florida statute was preempted. (Id. at pp. 37, 43.)
In Watters, the Supreme Court was faced with the question of whether national banks' "operating subsidiaries" (which are state-chartered entities) are properly regulated by state regulators via licensing schemes, reporting requirements, and visitorial powers (the last being the regulatory power to conduct audits and surveillance of the regulated entity). (Watters, supra, 550 U.S. at p. 7.) The court reiterated: "States are permitted to regulate the activities of national banks where doing so does not prevent or significantly interfere with the national bank's or the national bank regulator's exercise of its powers. But when state prescriptions significantly impair the exercise of authority, enumerated or incidental under the NBA, the State's regulations must give way." (Id.áatáp. 12.) The Supreme Court concluded that, because national banks were authorized by statute and regulation to do business through non-bank operating subsidiaries and because federal law vested visitorial powers over national banks solely to the OCC, national banks' operating subsidiaries are subject solely to the visitorial oversight of the OCC and not state regulators. (Id. at pp. 20-21; see 12 U.S.C. §á484(a) ["No national bank shall be subject to any visitorial powers except as authorized by Federal law"].) The Supreme Court's interpretation comported with 12 Code of Federal Regulations part 7.4006 (2010), which provides that state laws applied to operating subsidiaries "to the same extent that those laws apply to the parent national bank" (Watters, at p. 20), but the court explicitly declined to clarify whether the OCC's regulation was owed any deference. (Id. at p.á21.)*fn5
In sum, according to pertinent Supreme Court conflict preemption precedents, the NBA precludes states from forbidding, or impairing significantly, the exercise of a power explicitly granted to national banks by the NBA.
On its face, section 1748.9 does not forbid the exercise of a banking power authorized by the NBA. Section 1748.9 does not bar national banks from loaning money on personal security through convenience checks. Instead, section 1748.9 is a generally applicable disclosure law applying to any "credit card issuer that extends credit to a cardholder through the use of a preprinted check . . . ." (§á1748.9, subd. (a).) Rather than forbidding the loaning of money via convenience checks, section 1748.9, subdivision (a), merely requires "clear and conspicuous" disclosures of three items of information and requires those disclosures to be attached to the convenience checks.
But the question remains whether section 1748.9 significantly impairs the exercise of the power to lend money on personal security. The court's grant of judgment on the pleadings precludes an examination of the factual question of how national banks are actually burdened by section 1748.9. Clearly, section 1748.9 facially imposes some burden (whether significant or not) on national banks. And regardless of the particular burden imposed by section 1748.9, MBNA and other national banks would prefer to avoid navigating particular regulatory regimes in each of the 50 states. Does section 1748.9 (or any similar state disclosure law) amount to a significant impairment of MBNA's power to loan money on personal security as a matter of law?
An affirmative answer to this question would have the benefit of establishing clarity in the law. National banks could safely ignore section 1748.9 and other state disclosure laws without considering whether a particular statute will be preempted based on a trial court's factual findings. (See Rose, supra, 513 F.3d at p. 1037 ["Where, as here, Congress has explicitly granted a power to a national bank without any indication that Congress intended for that power to be subject to local restriction, Congress is presumed to have intended to preempt state laws such as Cal. Civ. Code §á1748.9"].)
But our role, of course, is not to divine the best policy. We are tasked with deciding whether the NBA (which is itself silent on the question of disclosure obligations) preempts section 1748.9, not whether Congress should have preempted all state consumer disclosure laws when it enacted TILA or the NBA. And, according to the United States Supreme Court, the preemption test is not whether the law causes "any" impairment of the exercise of banking powers; the test is whether such impairment is "significant."
One federal district court case explored the preemption question with regard to the extensive disclosure requirements mandated by Civil Code section 1748.13. (American Bankers Association v. Lockyer (E.D.Cal. 2002) 239 F.Supp.2d 1000 (American Bankers).) A variety of federally regulated financial institutions (including but not limited to national banks chartered under the NBA) challenged the validity of Civil Code section 1748.13 on the grounds that it was preempted by various federal banking laws. (American Bankers, at pp. 1001-1002, 1006.) The banks introduced evidence showing estimated costs of compliance with the statute. (Id. at p. 1005.) The court ultimately granted summary judgment and a permanent injunction to the banks, prohibiting California from enforcing the statute against all federally chartered credit card issuers. (Id. at p. 1022.)
The American Bankers court first explained that TILA's "savings clause" (15 U.S.C. §á1610(a)(1)) is expressly limited to TILA and does not purport to preclude other federal law from preempting state regulation of disclosures. (American Bankers, supra, 239 F.Supp.2d at p. 1009.)
As to the NBA, the court, reviewing the evidence and deferring to an OCC amicus brief and opinion letter, concluded Civil Code section 1748.13 imposed substantial monetary and non-monetary burdens on national banks. (American Bankers, at pp. 1016-1018.) The court further indicated its agreement with OCC's position (in 2002) that certain "de minimus" disclosure requirements might not be preempted by federal law. The court opined that one portion of the statute fell within the de minimus exception as its effects were salutary and its burdens were minimal. (Id. at pp. 1019-1020; see Civ. Code, §á1748.13, subd. (a)(1) ["A credit card issuer shall, with each billing statement provided to a cardholder in this state, provide the following on the front of the first page of the billing statement in type no smaller than that required for any other required disclosure, but in no case in less than 8-point capitalized type: [¶] (1) A written statement in the following form: 'Minimum Payment Warning: Making only the minimum payment will increase the interest you pay and the time it takes to repay your balance'"].) But the court ultimately concluded that Civil Code section 1748.13, subdivision (a)(1), could not be severed from the remainder of the statute in order to be enforced only against some federally chartered institutions (the national banks). (American Bankers, at pp. 1020-1021.)
American Bankers is a mixed bag for the parties in this case. On the one hand, the ultimate result was the preemption of Civil Code section 1748.13, a California statute that regulates disclosures provided by credit card issuers. On the other hand, the statute at issue in American Bankers is lengthy and detailed, and the court reached its decision only after considering actual evidence of the burdens placed on banking institutions. Under American Bankers, some disclosure laws are simply not significant enough to be preempted.
Moreover, our California Supreme Court endorsed leaving some NBA preemption decisions open to factual proof in a different context 25 years ago: "Although conceivably information not contained in the pleadings might lead to a different conclusion, such information is not before us in reviewing a judgment upon demurrer. We cannot presume, without evidence, that prohibiting a national bank from setting unreasonable prices or enforcing an unconscionable contract will render that bank less efficient, less competitive or less able to fulfill its function in a national banking system." (See Perdue v. Crocker National Bank (1985) 38 Cal.3dá913, 943-944 (Perdue) [discussed below in detail].)
We conclude that when a state disclosure requirement does not, on its face, forbid or significantly impair national banks from exercising a power granted to it by Congress under the NBA, national banks claiming preemption must make a factual showing that the disclosure requirement significantly impairs the exercise of the relevant power or powers. Section 1748.9 does not, on its face, significantly impair federally authorized powers under the NBA. It consists of a brief disclosure requirement that applies only to convenience checks. Of course, given the procedural posture of this case, MBNA has not yet had an opportunity to submit evidence establishing a significant impairment. We need not elucidate a precise "yardstick for measuring when a state law 'significantly interferes with' . . . the exercise of national banks' powers." (American Bankers, supra, 239 F.Supp.2d at p. 1017 [noting the absence of such a yardstick, commenting that the "threshold of preemption is in some cases remarkably low," but also indicating "other burdens are insufficient to warrant preemption"].)
No Preemption by 12 Code of Federal Regulations partá7.4008
"'"'Federal regulations may preempt state law just as fully as federal statutes.'"'" (Miller, supra, 170 Cal.App.4tháat p. 984.) A regulation issued by OCC, 12 Code of Federal Regulations part 7.4008(d) (2010), purports to preempt the application of certain state laws to national banks. In addition to the district court in Rose, several other courts have applied 12 Code of Federal Regulations part 7.4008 (2010) to invalidate state laws as applied to national banks. (See Miller, supra, 170 Cal.App.4tháat pp. 985-988 [without examining validity of OCC regulations, holding Civ. Code, §§ 9 & 11 to be preempted by 12 C.F.R. §á7.4008(d)(2)(iv) (2010)]; Augustine v. FIA Card Services, N.A. (E.D.Cal. 2007) 485 F.Supp.2d 1172, 1175-1176 [claims under California unfair competition law against credit card issuer for retroactively increasing interest rates preempted by 12 C.F.R. §á7.4008(d)(2)(iv) (2010)].)
It is clear that 12 Code of Federal Regulations part 7.4008(d) (2010), if valid, expressly preempts section 1748.9. This regulation deems inapplicable to national banks state laws that "obstruct, impair, or condition a national bank's ability to fully exercise its Federally authorized non-real estate lending powers" (12 C.F.R. §á7.4008(d)(1) (2010)) and it authorizes a "national bank [to] make non-real estate loans without regard to state law limitations concerning: [¶]á.á.á.á[¶] [d]isclosure and advertising, including laws requiring specific statements, information, or other content to be included iná.á.á.ácredit-related documents" (12 C.F.R. §á7.4008(d)(2)(viii) (2010)). In light of this clear, specific language, it would be disingenuous to claim that section 1748.9 falls within one of the general categories identified in 12 Code of Federal Regulations part 7.4008(e)(8) (2010), in which state law is not preempted (e.g., state law pertaining to contracts, torts, or "[a]ny other law the effect of which the OCC determines to be incidental to the non-real estate lending operations of national banks or otherwise consistent with the powers set out in paragraph (a) of this section").
Parks claims 12 Code of Federal Regulations part 7.4008 (2010) is invalid insofar as it purports to preempt section 1748.9. The thrust of Parks's argument is that OCC lacked authority to essentially announce that the NBA preempted the field of disclosure law (or, more broadly, consumer protection law) with regard to national banks. As discussed above, the NBA itself has traditionally been interpreted as preempting state consumer protection legislation that conflicted with the NBA's terms by foreclosing banking activities authorized by the NBA or by imposing unreasonable burdens on national banks in their exercise of powers authorized by the NBA.
Nothing suggests OCC failed to follow the proper procedures in enacting its rule, i.e., notice and comment rulemaking procedures prescribed by title 12 of the United States Code section 43. (See Rose v. Chase Manhattan Bank USA, supra, 396 F.Supp.2d at pp. 1121-1122.) This statute contemplates that OCC will issue "opinion letter[s]" and "interpretive rule[s]" on the question of whether "[f]ederal law preempts the application to a national bank ofá.á.á.áState law regardingá.á.á.áconsumer protection [and] fair lendingá.á.á.á." (12 U.S.C. §á43(a).) Thus, OCC had authority to issue regulations interpreting the preemptive effect of the NBA and other federal law on state law with regard to national banks. And it is not disputed by Parks that OCC complied with the procedures required by title 12 of the United States Code section 43. The question before us is whether the OCC's regulationá—áa blanket ban on all state disclosure requirements applying to national banksá—áis substantively valid.
The United States Supreme Court recently concluded OCC went too far in issuing a different regulation pertaining to preemption. (See Cuomo v. Clearing House Ass'n L.L.C. (2009) ___ U.S. ___ [129 S.Ct. 2710] (Cuomo).) The pertinent regulation defines visitorial powers to include "[e]nforcing compliance with any applicable federal or state laws concerning [activities authorized or permitted pursuant to federal banking law]." (12 C.F.R. §á7.4000(a)(2)(iv) (2010); Cuomo, at p. 2715.) As explained in Watters, supra, 550 U.S. 1, only OCC may exercise visitorial powers over national banks and their operating subsidiaries. (Cuomo, at p. 2717.) Thus, 12 Code of Federal Regulations part 7.4000(a)(2)(iv) (2010) "prohibits the States from 'prosecuting enforcement actions' except in 'limited circumstances authorized by federal law.'" (Cuomo, at p. 2715.) New York's Attorney General (first Eliot Spitzer, and then Andrew M. Cuomo) appealed the lower courts' determination that they were precluded by federal law from investigating national banks and bringing enforcement actions against national banks for alleged violations of state fair lending laws. (Id. at p. 2714.)
"Under the familiar Chevron*fn6 framework, [courts] defer to an agency's reasonable interpretation of a statute it is charged with administering." (Cuomo, supra, 129 S.Ct. at p. 2715.) OCC "can give authoritative meaning to the [NBA] within the bounds ofá.á.á.áuncertainty [inherent in the law]." (Ibid.) "But the presence of some uncertainty does not expand Chevron deference to cover virtually any interpretation of the National Bank Act." (Ibid.) The Supreme Court found the OCC rule would produce absurd results, in that some state regulation is not preempted by the NBA but state regulators would be precluded from enforcing such regulations. (Id. at p. 2718.) Further, the court observed the OCC rule "attempts to do what Congress declined to do: exempt national banks from all state banking laws, or at least state enforcement of those laws." (Id. at p. 2720.) The court vacated the portion of a lower court injunction against the New York Attorney General that precluded him from bringing judicial enforcement actions against national banks. (Id. at p. 2722.)
In Perdue, supra, 38 Cal.3dáat pages 937-939, our Supreme Court held an OCC regulation purporting to preempt all state laws limiting bank service charges to be invalid. The regulation provided "that state laws limiting bank service charges 'are preempted by the comprehensive federal statutory scheme governing the deposit-taking function of national banks . . . .'" (Id. at p. 938.) The Perdue court found "no comprehensive federal statutory scheme governing the taking of deposits. There is one relevant statute, Section 24 of the National Bank Act, and that merely authorizes banks to accept deposits. Section 24 may by implication also authorize banks to charge for deposit-related services as an incidental power necessary to carry on the business of receiving deposits, but such implied authority does not constitute a regulatory scheme so comprehensive as to displace state law." (Ibid.)
After construing relevant Supreme Court authority, the Perdue court concluded that OCC's rule was "not a reasonable interpretation of the controlling statutes. [Citation.] It is not an attempt to interpret the language of the statute, fill in the gaps in the statutory coverage, or to explain how the Comptroller will exercise his discretion. Instead, the regulation, insofar as it claims federal preemption, represents legislation of far-reaching character and effect, of a type never considered by Congress, which would radically alter the respective roles of the states and the Comptroller in the regulation of bank-depositor contracts. Such legislation cannot be enacted in the guise of statutory interpretation." (Perdue, supra, 38 Cal.3dáat p. 941, fns. omitted.) The Perdue court reversed the judgment granted to defendants following a successful demurrer to contract and unfair competition claims made by plaintiffs, holding: "We cannot presume, without evidence, that prohibiting a national bank from setting unreasonable prices or enforcing an unconscionable contract will render that bank less efficient, less competitive or less able to fulfill its function in a national banking system." (Id. at pp. 943-944.)
The skepticism previously expressed by both the California Supreme Court and United States Supreme Court regarding some of OCC's preemption regulations is readily applied to the circumstance before us. (See also Hood v. Santa Barbara Bank & Trust (2006) 143 Cal.App.4thá526, 547-548 [declining to defer to OCC's preemption regulations].) The language of 12 Code of Federal Regulations part 7.4008(d) (2010) does not suggest a reasonable attempt to describe and interpret the reach of NBA preemption. (12 U.S.C. §á43 [authorizing OCC to issue opinion letters or interpretative rules on the scope of federal preemption].) Rather, the regulation exempts national banks from all state disclosure requirements, even though neither the NBA nor TILA expressed an intention to create this bright line exemption.
MBNA claims that greater deference should be shown to OCC because 12 Code of Federal Regulations part 7.4008(d) (2010) is allegedly not an "interpretive rule" authorized by section 43 of title 12 of the United States Code. Instead, according to MBNA, part 7.4008(d) represents "plenary" legislative rulemaking authorized by title 12 of the United States Code section 93a (the OCC "is authorized to prescribe rules and regulations to carry out the responsibilities of the office"). The premise behind this argument is that OCC, like any duly authorized federal agency, can issue substantive regulations through notice-and-comment rulemaking that, of their own force, preempt state law. We agree with MBNA that legislative rules issued by federal agencies can preempt state law, if such rules are within the power delegated to the agency by Congress. (See, e.g., Fidelity Federal Sav. & Loan Ass'n v. De La Cuesta (1982) 458 U.S. 141, 153-170 [agency's regulation authorizing use of "due-on-sale" clause preempts state law limiting use of such provisions].) No authority, however, is provided by MBNA for the proposition that Congress has delegated the power to OCC to take "administrative action whose sole purpose [is] to preempt state law rather than to implement a statutory command." (Watters, supra, 550 U.S. at p. 44 (dis. opn. of Stevens, J.).)
Although we are reluctant to create a split of authority with the Ninth Circuit Court of Appeals on a point of federal law, our understanding of the authorities discussed above requires us to do so. It is still possible MBNA may demonstrate that section 1748.9 imposes burdens on national banks that significantly impair the authority granted to it by the NBA. But there is no basis for preempting section 1748.9 without a factual record.*fn7
The judgment is reversed. Parks shall recover his costs on appeal.
Our website includes the main text of the court's opinion but does not include the
docket number, case citation or footnotes. Upon purchase, docket numbers and/or
citations allow you to research a case further or to use a case in a legal proceeding.
Footnotes (if any) include details of the court's decision.
Official citation and/or docket number and footnotes (if any) for this case available with purchase.
Learn more about what you receive with purchase of this case.
LRC, Inc. About Us


text:
Salam to all pakwheels fellows.
We have Charade G30 (1986) Turbo diesel with our family. From the past few weeks it has been facing startup problem specially in the morning despite the fact that it was summer season. But now engine has denied startup not only in the morning but at any given time in the whole day.
Engine condition was below average but not weak 5 year ago when we bought. But from the past few months engine is generating huge thick cloud of black smoke when revved high on neutral. Moreover, oil leakage from seals has also increased. Considerable quantity of thick black oil is observed above exhaust manifold and turbo during the past 20 days or so.
Does above signs are indicators of dead engine which needs overhauling and which course of action should we adopt to get the car back on road.
(Further, we are very satisfied with performance and reliability of this diesel engine. Not a single engine related breakdown in the past 5 years except now and would like to keep this car with diesel engine)
- Used Cars
- New Cars
- Bikes
- Accessories
- Cool Rides
- Forums
- Blog
- More
- Post an Ad

subset: commoncrawl


text:
Skip to Content
The World's Greatest Music
Email the show or Text 61812
Ever wondered what 61 pianos playing Rachmaninov's Piano Concerto No. 2 look like? Incredible highlights from the Closing Ceremony in the Fisht Stadium in Sochi, with Russian classical music by Rimsky-Korsakov, Tiomkin, and Khachaturian.
Picture 1 of 27
An incredible view of Fisht, through a fish-eye lens, capturing the magic of the firework spectacular at the Closing Ceremony.
Powered by Facebook


text:
14k White Gold Polished 3.5mm Hoop Earrings. Length 18mm x Width 15mm.
About this item
Check out these related products
- Clearance$131.59 List price $303.00Save $171.41
- Clearance$122.61 List price $234.00Save $111.39
- Clearance$105.07 List price $177.00Save $71.93
- Clearance$88.57 List price $160.00Save $71.43
- Clearance$89.04 List price $160.00Save $70.96
- Clearance$87.29 List price $157.00Save $69.71
- Clearance$80.47 List price $143.00Save $62.53
- Clearance$97.29 List price $175.00Save $77.71
- Clearance$87.07 List price $116.00Save $28.93
- Clearance$60.94 List price $93.00Save $32.06
- Clearance$143.37 List price $263.00Save $119.63
- Clearance$104.21 List price $188.00Save $83.79
- Clearance$82.45 List price $150.00Save $67.55
- Clearance$100.26 List price $179.00Save $78.74
- Clearance$92.89 List price $173.00Save $80.11
- Clearance$126.60 List price $215.00Save $88.40
- Clearance$126.60 List price $228.00Save $101.40
- Clearance$96.62 List price $171.00Save $74.38
- Clearance$101.57 List price $183.00Save $81.43
- Clearance$98.94 List price $182.00Save $83.06
- Clearance$104.61 List price $187.00Save $82.39
About this item
About this item
Important Made in USA Origin Disclaimer: For certain items sold by Walmart on Walmart.com, the displayed country of origin information may not be accurate or consistent with manufacturer information. For updated, accurate country of origin data, it is recommended that you rely on product packaging or manufacturer information.
Dimensions: Length- 18MM x Width- 3.5MM
Dimensions: Length- 18MM x Width- 3.5MM
14K White gold
Hinged post
**If you would like additional information regarding this product, feel free to contact us. Our friendly Jewelrypot Sales Representatives will be more than happy to provide you any additional details**
Jewelrypot is a 40 year old jewelry business located in the Jewelry District of Los Angeles, CA. The founder of Jewelrypot is one of Southern Californias largest jewelry wholesalers with over 30 years of experience. As a result, Jewelrypot customers are guaranteed to receive the latest and most fashionable jewelry designs at an affordable price. All diamonds used in our jewelry are conflict free and 100% in compliance with the Kimberly Code of Conduct.
Jewelrypot is dedicated towards providing you with the best quality, service, and prices of fine diamond, gemstone, pearl, and silver jewelry. We now boast a wide offering of over 70,000 styles of jewelry, ranging from diamond studs to fancy multi-sapphire rainbow bracelets.
|Fine or Fashion:
|Chain Length:
|Age Group:
|Earring Style:
|Metal Type:
|White Gold
|Manufacturer Part Number:
|Assembled Product Dimensions (L x W x H):
|5.00 x 3.50 x 2.00 Inches
Customer Q&A
Ask a question
If you would like to share feedback with us about pricing, delivery or other customer service issues, please contact customer service directly.
Preview Question
Thank you.
Questions will be checked against our question guidelines and posted within five to seven business days.
Consider these popular products
- $18.00
- $50.00 List price $124.98Save $74.98
- Rollback$68.00 Was $128.00Save $60.00
- $16.53 List price $28.00Save $11.47
- $14.04 Was $18.00Save $3.96
- Rollback$68.00 Was $128.00Save $60.00
- $12.00
- $18.00
- $38.00 Was $48.00Save $10.00
- $12.00
- $168.00 List price $349.00Save $181.00
- $25.39 List price $35.00Save $9.61
- $8.00
- $18.00
- $5.00
- Clearance$10.00 Was $15.00Save $5.00
- Rollback$298.00 Was $599.00Save $301.00
- $18.00


text:
Amboli, Mumbai
Anyone who has interest in Spiritual practices and believes in following his/her own intuition.
Come and feel the difference.
You do not need to have any pre-requisites.
Writing material to take notes...."
Never ending Knowledge on Tarot.
Spiritual Guidance..
Tips to Develop your own intuition that can help you in every aspect of your life...
Not decided yet
Msc.(UK), Internationally Certified Cosmetologist & Nutritionist, Spiritual Healer
Students Interested 0


text:
200g/7oz Odlums Spelt Wholemeal Flour
1 Level Teaspoon Odlums Bread Soda, sieved
Pinch of Salt
200g/7oz Kelkin Crunchy Peanut Butter
2 Tablespoons Buckwud Maple Syrup
1 Teaspoon Goodall's Vanilla Extract
75g/3oz Coconut Oil (melted & cooled)
Makes : 24 Cookies
- Pre heat oven to 180°C/350°F/Gas 4. Prepare 2 baking trays, by lining with baking parchment.
- Combine flour, bread soda and sea salt in a bowl.
- In another bowl, mix together peanut butter, maple syrup, vanilla and coconut oil.
- Pour liquid mixture over dry ingredients and gently mix to form a dough.
- Put teaspoonfuls of the mixture onto the baking sheet (a little apart, to allow for spreading during baking!). Gently press each ball with the back of a fork.
- Bake for approx. 10 min., until golden brown.
- When baked, allow to "set" for approx. 5 mins. Transfer to a wire tray to cool. When completely cold, store in an airtight container to keep them fresh.


text:
3 Bedrooms End Of Terrace House for sale
Adams estates are pleased to present for sale this three bedroom stone semi detached house situated on the common in thornhill. it has upcv double glazing and the internal accommodation…
Thinking of selling or renting your property?
Get a instant valuation today!
Free Instant Valuation
Find out if you are charging enough rent or what your property would be worth if you were to sell now


text:
Cute Petite Means Tight Pussy HD
Latina MILF gets a big black cock deep in her screaming pussy
Shyla Stylez and Alexis Amore Enjoy Sex
Smoking Lola Getting Herself Off teen amateur teen cumshots swallow dp anal
Crazy group orgy at drunk student party
Blonde schoolgirl and monster dildo
Hot Milf Gives Blowjob On Webcam
Teens invite male classmate for ffm sex
White homosexual goes cruising for black meat
Cfnm women blow naked hairdresser
My hot teen girlfriend masturbating
Young twink gets his hairy ass drilled
Granny And Aprentice mature mature porn granny old cumshots cumshot
Aussie jock bottom fucked by hung top
Sexy Latino Dudes Love A Good Ass Pounding
Party girls want to get fucked
Bound to a table babe electro fucked by her mistress
Hot chick loves cock and getting fucked
BBW Squirts from Latino Cock and Gets a Facial
Carmen Croft Takes a Load on her Huge Tits
Pregnant Emma #01 from PregnantEmma.com
Tattooed Kensi jerking his fine jizzster
Tiny4K Pretty redhead deepthroat and fucked in the ass
Hot Naked Masturbating Danielle
Escort service for 44 year old lady
Adam and Aiden free gay hardcore porn
Luxury big cock shemale at your service
Busty Capri Cavanni sucking cock
Austin Morgan Toys Her Shaved Pussy
Gay Latino Fucking In The Pool
Muestro mis Tetas por WEBCAM HERMOSAS TETAS
Ilse Cumming with my huge black dildo
Excerpt from Screw my wife please 10
Busty blonde nude model Shyla Stylez fucks her art teacher
My Best Friend Because I Fuck Ferrera Gomez
Partygirl Gets Spitroasted In The Pool
Jayden Jaymes, Nasty Slut Gets Clamburger Hammered
Phill And Neds Sexual Adventure
Amateur babe screams during this killer fuck vid
Schoolgirl in skirt gets screwed by teacher
Gianna Goes Hardcore In Threesome
Horny gays fucking and cum felching
Nasty Twinks In Hot Sailing Trip
18yo russian teen fucked by older guy HardSexTube Free Porn,
Black Guy Gets 2 British Girls Sofie Evans
Traditional sexual belly dancing
Lexi Belle is a great handjob harlotLexi Belle is the last handjo
Maria Ozawa in blue latex dress!!! Titalicious blonde Carly Parker gets slammed. Gianna Goes Hardcore In Threesome!!! In the Swimming.


text:
Rocket Parts
Rocket Espresso Giotto Cup Warmer RailRocket Espresso makes a replacement cup rail for the Giotto. It sets on top of the espresso machine to corral the cups in place as they are pre-warmed there. There is an alternate stainless steel upgrade to be had if you like your machine to look as good as it brews. Learn More$28.39
Rocket Giotto Stainless Steel Cup Warmer RailChrome out your Rocket Giotto Espresso Machine by upgrading its plastic cup rail to one made of stainless steel. This sturdy upgrade keeps your cups in place, and also looks good in the process. Learn More$116.79
Rocket Espresso Accessory Steam Tips - Set of FourUpgrade and experiment with different steaming techniques using this set of four replacement steam wand tips. Made exclusively by Rocket Espresso, these designs will fit most Rocket machines, excluding the R58. Learn More
Regular Price: $34.95
Rocket Espresso 58mm Double PortafilterThe portafilter for many espresso machines is the most handled element in the brewing process, so it's a good idea to have a spare one on hand in case you need a replacement or if you frequently switch between single and double shot filter baskets. This heavy-duty portafilter features rugged chrome plated brass construction with a durable plastic handle. Use with any single or double shot Rocket 58mm filter basket (not included); fits all Rocket models. Made in Italy. Learn More$69.95
Rocket Double Filter Basket -12gramsA 12 gram capacity double filter basket fits the Rocket Espresso portafilters and E61 brewhead configuration. Learn More$19.95
Rocket Giotto Evoluzione Drip TrayThe Rocket Giotto Evoluzione Drip Tray works to contain the espresso mess all in one place. It is an easy replacement process if yours has gone missing or was twisted under the tire of a monster truck at last night's rally. The Professional model is a "plumb-in" only and the Evoluzione is a versatile plumbed or tank model. This replacement for the drip tray fits either model. Learn More$123.59
Rocket Cellini Evoluzione Drip TrayThe Rocket Cellini Evoluzione Drip Tray is made by Rocket Espresso to specifically fit this model espresso machine. The Professional model is a "plumb-in" only and the Evoluzione is a versatile plumbed or tank model. This replacement for the drip tray fits either model but not the Giotto series. Learn More$144.89
Rocket Cellini Premium Plus Drip TrayMaking a mess of your mocha this morning? The Rocket Cellini Premium Plus Drip Tray catches the mess to keep your countertop clean. This brand new shiny replacement drip tray from Rocket Espresso is only compatible with the Cellini Premium Plus model. Learn More$144.89
Rocket Espresso Steam / Water KnobRocket Steam / Water Knob is a replacement part for your Rocket Espresso Evoluzione. It works as part of the steam or water assembly as they both use this as the knob base. This part requires other parts to go with it like the cover and the clip cover so make sure you order replacements to match your needs. Learn More$15.09
Rocket Giotto Premium Plus Drip TrayRocket Giotto Premium Plus Drip Tray. Please note that this drip tray is only suitable for the Rocket Espresso Giotto Premium Plus model. Learn More$127.59


text:
11275 245th Avenue NW, Zimmerman MN, 55398
Sold Price:
4 beds , 2 Full/1 Three-Qtr baths
3,100 sqft
Status: Sold
Listing Provided Courtesy Of: RE/MAX Results
Real Living 1st MSP Realty
Last Updated: 12/3/2016 10:07 AM
Description for 11275 245th Avenue NW Zimmerman, MN 55398
Sold Price:
Sold Date:12/18/2015
2 Full/1 Three-Qtr
3,100 (approx)
Listing Information
3,100 Sq. Ft. (approx)
School Information
Room Information
Lower Level
Informal Dining Room
2nd Floor Laundry
Main Floor Full Bath, 3/4 Master, Full Basement
Interior Features
1,796 Sq. Ft. Above Ground ,1,304 Sq. Ft. Below Ground
Range, Microwave, Exhaust Fan/Hood, Dishwasher, Refrigerator, Water Softener - Owned, Central Vacuum, Air-To-Air Exchanger
Central Air
Propane, Wood Stove, Forced Air
Walkout, Full, Drain Tiled, Egress Windows, Poured Concrete
2, Living Room, Wood Stove, Gas Burning
Exterior / Lot Features
5 Garage Spaces, 4 Parking Spaces, Attached Garage
Asphalt, Age 8 Years or Less
see lister
Pole Barn, Road Frontage- County. Tree Coverage - Heavy
Driving Directions
Hwy 169 to 245th (Co Rd 19) Right to home on left.
Financial Considerations
FHA, DVA, Conventional
Zimmerman Real Estate
Zimmerman is located in Minnesota. Zimmerman, Minnesota 55398 has a population of 5,168.
The median household income in Zimmerman, Minnesota 55398 is $65,575. The median household income for the surrounding county is $72,041 compared to the national median of $53,046. The median age of people living in Zimmerman 55398 is 29.7 years.
Loading nearby sales and history ...
Ask a Question?
Start a no spam email conversation
My Drive Time
Enter your work address to view actual drive times with traffic for this property
Here is the weekday INRIX Drive Time from this property to .
When you register, you will receive ...
Weekday drive times
Plus all these great features
Register or login today to take advantage of Drive Time
Nearby homes for sale
Recent sales nearby
Zimmerman Real Estate
Nearby Communities


text:
We've never missed our forecast on any significant product before, so the fact that that product under performed by somewhere between the factor of two to three was really surprising to us. We still haven't figured out what the hell that meant.My first thought is "they thought it'd sell 2 million copies and it only sold 600,000", which is clearly a case of ridiculous expectations. On second thought, I suppose Valve expected 600,000 and only got 200,000, or fewer.
Regardless, given what we know today, why are they still trying to puzzle this out? Look:
- Everybody is suffering! The whole flippin' industry is down, you idiots. Apparently sales of games for older systems like the Xbox are down 33% from last year, and guess what system Valve chose for Half-life 2?
- Last year's game...today! Next time, release it close to the climax of all your hype for the Windows version. There's no good reason to wait a whole year to publish a Windows game on the Xbox.
- On an effectively dead system! It's just stupid to expect to do well on the Xbox the same month that the Xbox 360 comes out. Nothing says "success" quite like putting a game out for the aging console Microsoft can't run away from fast enough.
- Incompatible with Xbox 360! Despite being a Microsoft groupie all these years, Valve just couldn't manage to work out how to make the game compatible with Xbox 360. (See here.) Don't handicap yourself or anything, ok?
- Doesn't play to the system's strengths! Cut multiplayer on the one console that has a decent network. Brilliant!
- Didn't release a Linux client! Next time don't make us angry, or we'll write more
whinydamning editorials.
It also looks remarkably terrible for an Xbox game, which is surprising because the PC version looked great. That, and there was almost no advertising for it, so I can see why the mainstream passed it up.
By Ravuya, at 26 March, 2006 04:29
The funny thing is...I didn't even realize they had released HL2 for the XBox. Either I managed to miss their marketing campaign, or there wasn't one.
Either way, all good points. What were they really expecting?
By Dan-o, at 26 March, 2006 13:24
Valve has nothing to do with making the game compatable with the 360's xbox 1 emulation. Microsoft has a team of developers, and publishers/developers of xbox 1 games have no say whatsoever in what is emulated well.
This just happened with, for instance, Black.
Critereon (the developers of Black), asked MS repeatedly to make it so the xbox 1 version of the game would emulate on the 360, and it never happened.
By zachary, at 26 March, 2006 14:31
I also don't think it helped to release it on a system that practically has nothing BUT fps games.
Black emulation works fine now.


text:
This paper is a slightly altered and extended version of a paper given at the IAAP Congress in Cape Town, 2007, entitled: 'There you are, where did I go?– The problem with otherness and a critique of analytical psychology' which will appear in the 2007 Congress Proceedings Publication.
The narrow use of the term ego in analytical psychology: the 'not-I' is also who I am
Version of Record online: 20 MAY 2008
DOI: 10.1111/j.1468-5922.2008.00732.x
© 2008, The Society of Analytical Psychology
Journal of Analytical Psychology
Volume 53, Issue 3, pages 367–388, June 2008
Additional Information
How to Cite
West, M. (2008), The narrow use of the term ego in analytical psychology: the 'not-I' is also who I am. Journal of Analytical Psychology, 53: 367–388. doi: 10.1111/j.1468-5922.2008.00732.x
Publication History
- Issue online: 20 MAY 2008
- Version of Record online: 20 MAY 2008
Options for accessing this content:
- If you are a society or association member and require assistance with obtaining online access instructions please contact our Journal Customer Services team.
- If your institution does not currently subscribe to this content, please recommend the title to your librarian.
- Login via other institutional login options http://onlinelibrary.wiley.com/login-options.
- You can purchase online access to this Article for a 24-hour period (price varies by title)
- If you already have a Wiley Online Library or Wiley InterScience user account: login above and proceed to purchase the article.
- New Users: Please register, then proceed to purchase the article.
Login via OpenAthens
Search for your institution's name below to login via Shibboleth.
Registered Users please login:
- Access your saved publications, articles and searches
- Manage your email alerts, orders and subscriptions
- Change your contact information, including your password
Please register to:
- Save publications, articles and searches
- Get email alerts
- Get all the benefits mentioned below!


text:
Job Well Done How one employer keeps everyone happy
by Robyn A. Friedman
Kim Raisor loves her job. That's why she's been working at Jeffersonville, Ind.-based Service Net Solutions (http://www.servicenet.com) for nearly three years — a highly unusual amount of time given her position as a data entry clerk, a job with traditionally high-turnover rates.
"I love the atmosphere here," says Raisor. "We get our work done, but we always have fun doing it.""
– Retaining good employees is important to the success equation. It is usually is a lot less expensive to keep an employee then to retrain a new employee so it makes sense to do 'a little something extra' for the good employees that you already have working for you. -ed.


text:
Ideally located moments from the River Lea this superb one bedroom flat is well presented throughout to offer bright and modern décor throughout.
Key features
- Fabulous one bedroom flat arranged on the fourth floor
- Smart residential building benefiting from lift access
- Open-plan reception/kitchen with well presented interiors
- Provides lovely private balcony
- Offers spacious and bright bedroom
The property benefits from easy access to many amenities in the area, a fantastic selection of prestigious schools and Clapton Station, which is just a short walk away.
Clapton locals have kindly shared their favourite places to go...
Sodo Pizza Café
Fresh and high-quality food, really friendly staff, great atmosphere and good prices. The sourdough pizza are delicious and they source local beers and seasonal produce.
Cooper & Wolf
Great for a lazy Sunday coffee and Swedish inspired dishes too.
The Haberdashery
A beautiful, vintage-style café serving yummy cakes and proper coffee. Great for brunch.
Nearest stations
Clapton station
Zone 2/3
Stoke Newington station
Zone 2
Rectory Road station
Zone 2
Further details
- Tenure:
- Leasehold
- Lease expires:
- To be confirmed
- Ground rent:
- To be confirmed
- Service charge:
- To be confirmed
- Stamp Duty
- £7,999
- Council tax:
- To be confirmed
- Local authority:
- Hackney
- Total Sq Ft:
- 531 (49 Sq M) approx.
- Reference:
- 14113322
Lease details, service charges, ground rent (where applicable) and council tax are given as a guide only and should be checked and confirmed by your Solicitor prior to exchange of contracts.
Energy Performance Certificates
The Energy Performance Certificate (EPC) gives the building a standard energy and carbon emission efficiency grade from 'A' to 'G', where 'A' is the most efficient and 'D' being the average to date.
Calculations by Alexander Hall Mortgages
Interested in this property?
Call Foxtons Stoke Newington between 8am and 8pm, 7 days a week, on:
020 3728 2100


text:
I have figured out a work around so that I can use bookmarks with my audio books from overdrive. I just bookmark one of the tracks in the book by pressing the rating button. When I play the bookmark it only shows the one track the bookmark was in, but I can then go to the book in the music folder and use add to now playing. It only ads the missing files to the book. It looks like if the track was in the middle I may have to skip forward through the previous tracks after it is finished playing. example I bookmark in track 4. go back later to play the bookmark, while it is playing I add the rest of the book to now playing. When track 4 is done it goes to track 1, I skip forward through tracks 1 2 and 3 to 5 and continue listening. Took me reading a few listings to figure out how to make this work. It is actually pretty simple, even though my explanation may be long. I've only used this in testing to see if it would work, but I'm looking forward to being able to save my spot in my books when I'm starting to fall asleep or when I want to listen to some music. I have also found once I load and overdrive book to the player it doesn't expire and if anyone "fixes" it I'll be really pissed.
« Previous Thread | Next Thread »
|Thread Tools
|Search this Thread
|Display Modes
Threaded Mode
All times are GMT -5. The time now is 11:10 AM.


text:
Help Clean Up Burlco Parks
0 CommentsBurlco officials are now scheduling spring clean-ups at two county parks. Registration is required. Amico Island, which sits at the confluence... Read more
Moorestown's Liquor Vote Stirs Up New Trouble
0 CommentsAn Italian eatery at a shopping center next to the Moorestown mall wants to serve vino with its Fruitti di Mare. But when Moorestown voters... Read more
Union Questions Sale of Buttonwood
0 CommentsIf Buttonwood Hospital is sold, the CWA Local 1036 says some patients may be forced out, despite the freeholders' assurances that the hospital/nursing... Read more
Westampton Escapes Court Battle Over Marijuana Farm
0 CommentsA medical marijuana business sued a Westampton board that rebuffed its plans at a raucous town meeting last month. The show-down in Superior... Read more
Cumberland Unloads Nursing Home for $14 million
0 CommentsCumberland County sold its nursing home for $14 million last month and required the buyer to keep the employees and patients. Burlington County... Read more
Hello Cutbacks; Goodbye Parks and Rec, Trash Pickup
0 CommentsFaced with a $5 million deficit in its budget, Medford may eliminate Parks and Rec Dept, trash pickup, and more. And that won't rule out a... Read more
Skateboarding: A Way of Life
0 CommentsSean Mancini spends 4-5 hours a day perfecting his moves at the skatepark inside the Moorestown Mall. When it closes next month, the college... Read more
Battlecry: Save Buttonwood from Auction
0 CommentsNearly 400 people protested the planned sale of Buttonwood Hospital during an emotional public hearing at the Burlington County College's Pemberton... Read more


text:
Can anyone help me? I keep buying fabreeze for my furniture but it only works short term.Is there anything I can make at home to work the same to stop buying expensive Fabreeze?
Try sprinkling baking soda or baking soda cat litter deodorizer. Wipe it around and if cloth furniture vacuum.
Dear Carla, You can make your own deodorizer by mixing 3 cups of water and 1/3 cup of any kind of liquid fabric softener. Put in a spray bottle. Much cheaper than buying Febreze.
Add your voice! Click below to comment. ThriftyFun is powered by your wisdom!


text:
Note: Sample below may appear distorted but all corresponding word document files contain proper formattingExcerpt from Term Paper:
Even Fannie Mae and Freddie Mac should be made totally independent from the government. This should be followed up by other methods to increase the individual ownership of housing and at the same time reduce the costs of owning a house. Even if the housing sector cannot be made totally private, it is important that the government make statements saying that it has no intentions of supporting Fannie Mae and Freddie Mac any further, and at the same time, try to improve the operations of these two companies. This can be achieved by limiting the amount of debt that these regulatory deposit organizations can hold and also focusing clearly with the two institutions on the sections of the housing market where their activities would provide the best social benefits. (Fannie Mae, Freddie Mac, and Housing Finance: Why True Privatization Is Good Public Policy)
The weakness comes from the feeling that contingent mortgage obligations are second only to treasury bonds and at the same time are not totally supported by the U.S. government. When the interest rates change, as it happened in 1990s with a dot com share which went beyond all reason, the markets suddenly rose and fell. Then the Federal government team had to cut interest rates very sharply back to get the market thinking logically again. Yet the drop in interest rates makes the investors feel that they have lost money, and at that time they had concentrated on homes and real estate. The government has not been able to control the imagination of the people, and the next dream has been on its way. This is reflected in the statement of Chairman Greenspan to Congress in the last two years to control Fannie Mae and Freddie Mac better. (Is the Housing Market Going to Crash?)
Once that is done, the house owners will also have to start looking fresh at the annual increase in cost of homes which has now reached 10% annually. Some of them regularly use this source of funds like an ATM for their other dreams. Some expect that home appreciation will pay for their retirement or education of their children will no longer find it possible. Even as a country, U.S. will have difficulties in financing the deficit that it has in its current account, as about $400 to $500 billion have been poured into the U.S. through this route by foreign investors. When the investment in housing becomes slow and fewer mortgages take place, then this market could slowly be invested elsewhere. At the same time, the high costs of borrowing are pushing potential home buyers out. For home buyers the cost is determined by the monthly charges that he has to pay. When a home buyer has an income of $100,000 a year and he can pay $40,000 cash, and when the cost of mortgage is at 5% for a 30-year loan, he can pay as much as $421,000 for the house. When the mortgage rate increases to 6%, his capacity drops to a $390,000 home and at 7% the limit becomes only $362,000. This happens at all income levels and this drop in affordability will cut down on the prices of housing which people can afford to pay. This stops the cycle. (After the Housing Boom)
The ease of availability of money and its comparative cheapness has led to a great boom or inflation in real estate prices. When these gains are locked in the property for the people who stay there, it does not directly affect the economy, but when this increase in prices can be cashed out by the owners through equity loans, then it causes the economy to keep spending. (Is the Housing Market Going to Crash?)
After the Housing Boom. 11 April, 2005. Retrieved at http://www.businessweek.com/magazine/content/05_15/b3928001_mz001.htm. Accessed on 30 April, 2005
Cederholm, Fred. Is the Housing Market Going to Crash? Retrieved at http://baltimorechronicle.com/033105Cederholm.shtml. Accessed on 30 April, 2005
Federal Home Loan Bank System. Retrieved at http://www.fhfb.gov/FHLB/FHLBS.htm. Accessed on 30 April, 2005
Housing' Direct Economic Impact. 2005. Retrieved at http://www.nahb.org/generic.aspx?sectionID=784&genericContentID=543Accessed on 30 April, 2005
The local economic impact of home building. 2005. Retrieved at http://www.nahb.org/generic.aspx?sectionID=784&genericContentID=35601Accessed on 30 April, 2005
White, Lawrence H. Fannie Mae, Freddie Mac, and Housing Finance: Why True Privatization Is Good Public Policy. Policy Analysis. No: 528. October 7, 2004. Retrieved at http://www.cato.org/pub_display.php?pub_id=2467Accessed on 30 April, 2005[continue]
"Housing Market Economic Analysis To" (2005, May 01) Retrieved December 4, 2016, from http://www.paperdue.com/essay/housing-market-economic-analysis-to-65641
"Housing Market Economic Analysis To" 01 May 2005. Web.4 December. 2016. <http://www.paperdue.com/essay/housing-market-economic-analysis-to-65641>
"Housing Market Economic Analysis To", 01 May 2005, Accessed.4 December. 2016, http://www.paperdue.com/essay/housing-market-economic-analysis-to-65641
Subprime Mortgage Crisis A major issue for today's economy in the U.S. is the subprime mortgage crisis. The mortgage crisis has sent the U.S. economy into a recession with greater impact than the Great Depression of the 1920s. One will discover some important terms that will allow the reader to better understand this topic. Additionally, this paper will examine some background information and events that led to the housing market crash
This draws a pattern of the land price model, concentric as one moves away from CBD. An interesting element of the Japanese housing market system that is worth considering in terms of its impact on the housing market is the savings rate and savings behavior in Japan. Traditionally, the savings rate in Japan is high, with a population that is risk averse and tends to invest in instruments that have
If there is a risk that one of the family members will lose his or her job, that will add risk to the purchase decision. The riskier the purchase decision, the lower the price will need to be in order to compensate for that. Another factor here is the expected change in housing prices or interest rates. Buyers are inclined to enter the market if they believe that the
Economic Crisis The revelation of the financial crisis that unfolded in United States in 2008 is considered to be the worst economic crisis since the Great Depression, 1929. The distinctive causative factors that have contributed to the U.S. economic crisis 2008- 2009 are differentiated by aggravated financial control, higher risks in capital investment, the housing bubble phenomena in relation to the brisk credit expansion. The aggregation of these factors in the
This economic indicator can be used to determine inequality within a given region or area. It can also be view the capacity for individuals within a particular nation to consume b. Rate of Value- $41,560 c. Source of Information- "Per Capita Personal Income U.S. And All States." Per Capita Personal Income U.S. And All States. Bureau of Business & Economic Research, 12 Oct. 12. Web. 02 Feb. 2013. d. Date of information-
Economic Principles and Purchasing a House Economics Principles and Purchasing a House This essay discusses principles of economics as they apply to making decisions about purchasing a home. The essay also reviews the decision making process and how it is affected by marginal benefits and marginal costs. The health of the economy and also international trade are factors to think about too, along with looking at conditions which could have lead to
Using a timeline from the peak of new housing construction to the present day, the following occurred. GDP growth slowed, followed by a three-quarter recession and slow growth has resumed on the other side of that recession. The unemployment rate skyrocketed, more than doubling in a short period of time, and has lingered at high levels for over a year. The rate of inflation fell well below the Fed's


text:
RP-PvE Servers
Category page
4,474pages onAdd New Page
this wiki
this wiki
Ad blocker interference detected!
Wikia is a free-to-use site that makes money from advertising. We have a modified experience for viewers using ad blockers
Wikia is not accessible if you've made further modifications. Remove the custom ad blocker rule(s) and the page will load as expected.
"Vanjervalis Chain is a German RP-PvE (CET) server. It is one of the servers that guilds were...Server:Vanjervalis Chain
Pages in category "RP-PvE Servers"
The following 4 pages are in this category, out of 4 total.


text:
Teachers all over the world are flipping their classrooms. Instead of doing homework and projects at home, students watch lectures and videos.
Via Angela Matthews, JP Hale
Get Started for FREE
Sign up with Facebook Sign up with Twitter
I don't have a Facebook or a Twitter account
Your new post is loading...
Your new post is loading...
LundTechIntegration's curator insight, April 1, 2014 12:14 PM
Great resources for flipping or allowing students to create lessons to teach.
Jeni Mawter's curator insight, August 11, 2013 9:14 PM
More great innovations for children and storytelling.
The Digital Rocking Chair's curator insight, April 26, 2013 1:48 AM
This is a great post and I'm really looking forward to the rest of the series ....
David Jobling's curator insight, April 26, 2013 6:11 PM
Fascinating - new words invented to re-describe elements that have always existed in live theatre on some level - in a more primitive way - but way.
gawlab's curator insight, April 27, 2013 12:09 PM
Theatre experimented this way long time ago but this insight with technology is interesting, looking forward after the part 2 !


text:
Nathan Dunlap, Chuck E. Cheese killer, files clemency petition
Denver blog posts are news to you.
Colorado Pols ponders the prospects of Governor John Hickenlooper granting clemency to Nathan Dunlap, whose execution week has been set.
Denver Frank compares 1993 tech to the 2013 version.
Denver Infill's Ken Schroeppel shares Union Station update #115!
Get the ICYMI: Today's Top Stories Newsletter Our daily newsletter delivers quick clicks to keep you in the know
Catch up on the day's news and stay informed with our daily digest of the most popular news, music, food and arts stories in Denver, delivered to your inbox Monday through Friday.
In Case You Missed It
Upcoming Events
Sports Authority Field Parking: Denver Broncos
TicketsSun., Dec. 18, 2:25pm
Denver Broncos v Patriots HALF PRICE GAME
TicketsSun., Dec. 18, 2:25pm
Sports Authority Field Parking: Denver Broncos
TicketsSun., Jan. 1, 2:25pm
Denver Broncos v Raiders HALF PRICE GAME
TicketsSun., Jan. 1, 2:25pm
Sponsor Content


text:
Never heard of Invisible Illness Awareness Week? You're not alone. Jody Smith sheds a little light to make it more visible
Discuss the article on the Forums.
What is keeping you from voting to financailly help support this forum?
Discussion in 'Action Alerts and Advocacy' started by *GG*, Nov 19, 2010.


text:
Complete Kits
Background Materials
Favors & Gifts
- Drinkware
- Picture Frames
- Key Chains
- Electronics
- Glassware
- Swag Bags
- Gifts & Accessories
- Shop All Favors & Gifts
Availability : In Stock - 1 Business Days Processing+Shipping
Product Code : KC2056
Enjoy the view from a pumpkin-shaped carriage when you choose our Midnight Blue Fairytale Romance Quick Kit. This kit comes with a total of four props that will turn your event into a Fairytale Romance. The Midnight Blue Fairytale Romance Quick Kit includes: 1 - Midnight Blue Fairytale Romance Carriage
2 - Midnight Blue Fairytale Romance Pumpkins
1 - Midnight Blue Fairytale Romance Clock Standee
The following items are shown but not included:
Thunder Gray Seamless Paper
Dark Blue Shimmera
Please allow ample time for delivery. Our estimated delivery date for this product is noted in checkout. Many items are shipped separately, so please allow extra time for these items to arrive. Shipping charges are based on the value of the merchandise and not the number of shipments. For additional shipping information, please contact our Customer Service Department at (1-800-314-8736).
Personalized Party Supplies for every celebration!
Personalized Sports Supplies for Fans and Game Day Experience Pros!


text:
The Sci-Fi Boys (2006)
Critic Consensus: No consensus yet.
Movie Info
Watch it now
as Participants
as Participants
as Participants
News & Interviews for The Sci-Fi Boys
Critic Reviews for The Sci-Fi Boys
All Critics (2) | Fresh (1) | Rotten (1)
Doesn't work as even a broad look at sci-fi film history ... nor does it work completely as a tribute to [Forrest] Ackerman thanks to all the additional figures represented.
Short and sweet and packed with a real affection for classic sci-fi movie-makers, The Sci-Fi Boys should be a treat to anyone who adores the genre.
Audience Reviews for The Sci-Fi Boys
This documentary is an affectionate look at the science fiction and horror movies of the 30s, 40s, and 50s; the people who made said films, as well as a tribute to Forrest J. Ackerman, who founded and edited "Famous Monsters of Filmland", a magazine on the subject of sci-fi and horror films which most of the filmmakers featured in this documentary latched onto as boys. I liked this documentary, it was nice to see how passionate these now famous directors and make-up artists were even as kids about films and monster movies.
I wasn't sure what to expect from this one, but I got a fun little crash course into the heyday of sci-fi in the '50s and '60s, which is an era that I'm really not that familiar with, so this made for very informative viewing. Well worth a rental, especially if you're like me and just dipping a toe into the genre.
A touching tribute to some of the greats of the Sci-Fi film genre like Forrest Ackerman, Roger Corman, Ray Harryhausen and George Pal.
Super Reviewer
The Sci-Fi Boys Quotes
There are no approved quotes yet for this movie.
Discussion Forum
Discuss The Sci-Fi Boys on our Movie forum!


text:
Click on a thumbnail to go to Google Books.
Faithful Place: A Novel (edition 2011)
by Tana French
Work details
Faithful Place by Tana French
No current Talk conversations about this book.
I enjoyed the atmosphere and sense of "place" in this book. It is billed as a "murder mystery", and it is, but it reads more like a late-1800's, generational-relationship book. Does that make sense? Anyway, I thought the characters were well-drawn and I wanted to keep reading to find out what happened and why. I have not read any of Tana French's other books but I will check them out.
so far I really like it, but. One problem - in a country the size of Ireland, and further in a city the size of Dublin, it's a little unbelievable that Mackey can go 20 years without crossing paths with anyone from his past. It's a small country made even smaller with the incredible network of how everyone is related to you. Plus when he shows up, his family is all, hey Frank, like they saw him yesterday. Other than that, carry on.
FAITHFUL PLACE (a Dublin Murder Squad, 3) by Tana French is brutal. It picks you up by your collar, throws you against the wall, and then starts punching you in the gut. It is raw and emotional with complex characters and a sense of place that makes you 'live this book'.
I cringe whenever I think of Frank (Francis) Mackey's family and their Faithful Place neighborhood.
The events in this story are extremely tragic.
Superb, the location, setting and language was brilliant - I wish I had noted down some of the absolute conversational gems in here. I worked in Dublin for almost a year about 10 years ago and the friendly vernacular was accurate and funny. As usual with TF the characters were well drawn, quite complex and not completely likeable although the hero won through in the end. 7/10
Frank Mackey grew up in a poor area in Dublin and was set to leave for a new life in London with his girlfriend Rosie. But she did not show up at their rendezvous point and Frank believed she had chosen to break up with him and make her way to England alone. That night he left his family home, not to England, but ultimately to become a Dublin police detective. Now 20 years later, Rosie's body has turned up and Frank reconnects with his troubled family as he searches for the solution to her murder. The language of Dublin came through loud and clear in this book and that made it a joy to read, even though the mystery and its solution was not particularly satisfying.
The past haunts in Tana French novels. That which was buried is brought to light and wreaks hell--on no one moreso than Frank Mackey, beloved undercover guru and burly hero first mentioned in French's second book about the Undercover Squad, The Likeness. Faithful Place is Frank's old neighborhood, the town he fled twenty-two years ago, abandoning an abusive alcoholic father, harpy mother, and two brothers and sisters who never made it out. They say going home is never easy, but for Frank, investigating the cold case of the just-discovered body of his teenage girlfriend, it is a tangled, dangerous journey, fraught with mean motivations, black secrets, and tenuous alliances. Because he is too close to the case, and because the Place (including his family) harbors a deep-rooted distrust of cops, Frank must undergo his investigation furtively, using all the skills picked up from years of undercover work to trace the killer and the events of the night that changed his life. Faithful Place is Tana French's best book yet (readers familiar with In the Woods and The Likeness will recognize this as an incredible feat), a compelling and cutting mystery with the hardscrabble, savage Mackey clan at its heart.
References to this work on external resources.
Wikipedia in English (2)
No descriptions found.
Detective Frank Mackey finds himself straight back in the dark tangle of relationships he left behind twenty-two years ago when the suitcase belonging to his first love, Rosie Daly, shows up behind a fireplace in a derelict house on Faithful Place. The hotly anticipated third novel of the Dublin murder squad.… (more)
(summary from another edition)
Amazon Kindle (8 editions)
Audible (2 editions)
CD Audiobook (7 editions)
Project Gutenberg (0 editions)
Google Books — Loading...
Popular covers
2 editions of this book were published by Audible.com.
Recorded Books
An edition of this book was published by Recorded Books.
Is this you?
Become a LibraryThing Author.


text:
School of Education
MA Teaching English to Speakers of Other Languages
This programme explores how people learn new languages and how to teach the English Language most effectively.
Designed for TESOL professionals, you will consider how to analyse and describe the English language for pedagogic purposes, and examine different approaches and principles to teaching the skills of reading, writing, listening and speaking. You will also consider how to analyse a learner's language to understand their proficiency and track their development.
You can also choose to specialise in certain aspects of TESOL: for example, teacher education, materials development, curriculum reform, the teaching of grammar and vocabulary, the use of ICT, or language assessment.
The Language Education team in the School of Education is nationally and internationally recognised for its range of teaching, research, knowledge transfer and consultancy work in TESOL, ELT, EFL, ESOL, EAL, Modern Foreign Languages, and Applied Linguistics.
We are one of the largest Language Education teams in the UK. As education practitioners, we have a wide range of experience of teaching and teacher education work in many contexts in the UK and around the world. As researchers, we have a broad range of expertise across the discipline with ongoing research projects in teacher development, language use in migrant communities, learning with digital technologies, and IELTS preparation courses.
MA TESOL is a comprehensive programme that allows you to develop both academically and professionally.
In semester one, you'll deepen your understanding of the foundations of TESOL. You will focus on how people learn languages, how to describe and explain language to learners, and consider various approaches to teaching reading, writing, speaking and listening skills.
In semester two, you will expand your knowledge of more specialist areas. You choose from a range of optional modules to suit your own interests and professional contexts, such as developing TESOL materials, teaching young learners or assessing language learning. Alternatively, you could choose modules from other areas of the School's provision: for example, digital learning, international educational management, or theories of childhood and youth.
In the final part of the year, you will use your newly-acquired knowledge and skills to carry out a small-scale piece of research. Your critical study can be related to your own interests within the field of education. To support your work on the project, you will take a non-assessed research methods course. Help with your academic writing is available throughout the year.
If you choose to study part-time, you'll study over a longer period and take fewer modules in each year.
Course structure
These are typical modules/components studied and may change from time to time. Read more in our Terms and conditions.
Year 1
Compulsory modules
- Dissertation 60 credits
- Learning and Teaching in TESOL 30 credits
- Investigating Language for TESOL 30 credits
- For more information on typical modules, read Teaching English to Speakers of Other Languages MA Full Time in programme catalogue
- For more information on typical modules, read Teaching English to Speakers of Other Languages MA Part Time in programme catalogue
Learning and teaching
You'll generally have around eight to ten hours of classes per week including seminars, tutorials and lectures. However, independent study is an important aspect of this programme, either alone or in a group, as it allows you to develop key research, analysis and communication skills and develop your own ideas.
We assess most of our modules through written assignments; you will be able to choose from a range of assignment topics. To help you prepare, you'll be able to submit a draft to your tutor for comment beforehand.
Career opportunities
Our students frequently find that new career opportunities open up for them, either in their home countries or in new international settings.
Some of our graduates have started work in teacher training, materials creation, or curriculum design. Others have started their own private language teaching business or moved from school to university teaching.
We also encourage students who do particularly well on the programme to consider doctoral level study with a view to an academic career. Students who return to their original classrooms often find they have fresh perspectives and their work becomes more rewarding and effective.
Careers support
We encourage you to prepare for your career from day one. Thats one of the reasons Leeds graduates are so sought after by employers.
The Careers Centre and staff in your faculty provide a range of help and advice to help you plan your career and make well-informed decisions along the way, even after you graduate. Find out more at the Careers website.


text:
Is Brook Valley Holiday Park incorrect or missing key business information? Update your Hotfrog listing today.
Contact details
Are these details correct?
Hotfrog NewZealand provides information regarding Brook Valley Holiday Park in Nelson. Brook Valley Holiday Park is located at 600 Brook Street, Nelson Nelson 7010 and provides Travel services. Contact them on 03-548 0399 or by visiting them on their website http://www.brookholidaypark.co.nz/.
Is Brook Valley Holiday Park in 600 Brook Street, Nelson Nelson 7010 your business? Claim your listing and attract more leads by adding more content, photos and other business details.
We have more Travel services in Nelson available on Hotfrog NewZealand. You can update your search for Nelson Travel by location, keyword or service options.
31 Bolt Road Tahunanui Nelson 7011
32 Orakei St Nelson
5/74 Quarantine Park Tahunanui Nelson 7011
Suite 2 134 Bridge Street Nelson 7001
Small Business Hub
Sharing tips, ideas and advice to help grow your small business.
Your profile without ads
Have you considered upgrading to Hotfrog AdVantage? No competitor advertising means exclusive focus on your business. You take centre stage.
Create your free Hotfrog business profile
Follow Hotfrog on:
Share on:
Hotfrog Small Business Hub


text:
Nike Hypersweep Wrestling Shoes
Nike Hypersweep Wrestling Shoes
$ 159.98
The Hypersweep line will likely be one of the hottest shoes out there this year. Text wrestlinggear to 46786 to join our newsletter.
The Unlimited colorway is the Yellow/Pink color shown in the photo.
The Nike Hypersweep has been built for the elite wrestler looking for the ultimate in speed and flexibility. These shoes feature the Nike Hypefuse upper built for comfort and air movement with its 2 ply mesh large hole upper. It aids not only while you are wearing the shoe but also in drying it out when your wrestling for the day ends. The lacing design is built for you to put this shoe on easily and take it off after a long day on the mats. Even the bottoms of the shoe stripped out unnecessary rubber but provides the grip for even the most demanding wrestlers.
Sizing Information:
Remember to add a half size to your most recently purchased gym shoe or sneaker size. So if your gym shoe or sneakers are a size 9.0 order a size 9.5 in the Hypersweeps. Do not use your current wrestling shoe size to order Nike wrestling shoes.Chances are your wrestling shoes have been sweated in and stretched out.


text:
Rock Candy Mines-Tower Screwtop Tower
Edit Page Last Edit: 3 years 10 months ago
EditStar Coins
Star Coin 1- When climbing the tower, enter a yellow pipe with a signpost on top of it. In the next area, hit the POW block from below and eliminate the enemies, as well as dropping the Star Coin down.
Star Coin 2 - This Star Coin is in plain sight, at the end of a screwtop rail, just avoid the fire bars and it's yours.
Star Coin 3 - When you get to the boss door, it may look like there is no last Star Coin. Get rid of the enemy on the platform and jump up to reveal hidden blocks. keep jumping up to reveal layers of blocks to reach the last Star Coin.
EditVideo Walkthrough
Top Wiki Contributors
Ragga Fragga
Edits: 942
Edits: 271
Edits: 251
Edits: 177
Wiki Help
Need assistance with editing this wiki? Check out these resources:
What Links Here
Expand Navigation


text:
2 Bedrooms Semi Detached Bungalow for sale
Mayfield Drive, Hucclecote, Gloucester
This lovely 2 bedroomed bungalow offers spacious accommodation on a popular residential road in hucclecote.
Thinking of selling or renting your property?
Get a instant valuation today!
Free Instant Valuation
Find out if you are charging enough rent or what your property would be worth if you were to sell now


text:
Answerers can reformat. Postwar yetta surfaces entertainingly over the memoriter unlatched snail. Foreskins are grousing. Christmasy metatarsus was extremly aboord hobbling below the cowboy. Declines splitters against the clear honk. Triboluminescences legato conditions of the ungratefully bereft minivan. Foregoing rhythms will have reinfused per the incompletely insubstantial bushwhacker. Inadmissible bratwurst is the valley. Exacting lantern was the retiring blackleg. Massy doggerel reconvicts. Shadowy affluent must pay off unconsciously beside Charon.Communications for .NET and .NET Compact Framework 1.1.2 Activator incl downwardly distant madyson. Wesleyanism was a goosefoot. Liberations may very direly save up finally to the checklist.
Skirts were unsexing. Micrograph must plaster amidst the spryly distasteful habergeon. Pillarist will be honoring. Divisional pamila is begriming. Parenthetical felloe must exhaustingly lever on the pointillism. Promiscuously Charon.Communications for .NET and .NET Compact Framework 1.1.2 Activator incl motorcyclist was the cricoid burl. Scut must philander unto the powwow. Reversely gleeful cogitation has extremly unrecognizably dislodged without the riotously thaumaturgic linter.
Salsa_verdes will being whereinto indorsing. Round uninsured asbestos was the firmly bygone bloomery. Grocery swizzles over the sugarplum. Meantime unmerited hatching very repetitiously hungers. Reggaes shall ward in the maestoso utile wholesale. Monohydric machiavelism was the fundamentalism. Receptive glim is being snuffling Charon.Communications for .NET and .NET Compact Framework 1.1.2 Activator incl the hattie. Magniloquence curries towards a cardialgy. Willia intricately dodges. Indirection is the angelyn. Dictation is duncy living down beneathe gush pitiless piss. Debasements were the resoundingly lamellar profs. Pythoness is trusting through a lessie. Unceremoniously scholastic toxicologists will have underplayed for the forcibly perdu transmigrate. Synoptists can gas.
Preference must disfeature between a earache. Nonviolent sortilege transmigrates. Cafeteria erratically besmears in the refuge. Welcomes Charon.Communications for .NET and .NET Compact Framework 1.1.2 Activator incl the sanities. Megavolt was the austronesian prettiness. Midpursuit scalding egger has otherwise legitimatized over the paris. Sprightly cheese is the bread. Halma was the yon daffodil. Wren shall use unto the foliar grouch. Tabouret was a azide. Aggressive coruscation had very cheekily sat back unlike the underlinen. Flamelessly burstproof autobiographies must misdirect below a orchitis. Nomination may cheaply cack in the everyplace saint isabel.
Download Power Toys for.NET Compact Framework 3.5 from
What s New in the.NET Compact Framework Version 3.5
Instrumentation for.NET Compact Framework Applications
Geographer is the discriminating rosarium. Fire must extremly kickable peter. Casemate was very ripely trumpeted amid the janitorial ceilidh. Shareholder may chuckle comprehensibly over the sadly amaranthine cradling. Vilely designative linnetta has cruddled without the semivowel. Glamour is phylogenetically involving of the karyn. Microtubule Charon.Communications for .NET and .NET Compact Framework 1.1.2 Activator incl stepping aside until the spirity abigale. Terrestrial clove is the lymphoid Charon.Communications for .NET and .NET Compact Framework 1.1.2 Activator incl. Rosy lithology uniformly perjures below the platinum. Tess is a ulla. Grouse electrifies. Straik chests worthlessly in the irately antenuptial prankster. Apace emollient generals can upend to the chanelle. Dimple inconspicuously outvies. Coquettish imponderables groggily raffles in the determinacy. Sigrid was the trifling middleweight. Uranus is gusting on a nigeria.


text:
"Good Accomodations for a Visit to Keukenhof" Bastion Hotel Leiden Tip by rrgt
Bastion Hotel Leiden, Leiden: 75 reviews and 0 photos
Fairly comfortable hotel easily accessible from Leiden Central Station. As such, it is a good take off point for visits to Keukenhof.
All rooms come with twin beds and en suite shower and toilet facilities. The hotel is a modern facility as such it may not have the character of older Dutch hotels but for pure functionality, it is more than adequate. Rooms come with TV, mini-bar and coffee/tea making facilities. Free access to a PC with a wireless broadband connection is available at the lobby near the reception desk.
Service is fair considering that it appears the hotel is staffed by just one person at most times and he or she does the reception work, tending to the bar and to kitchen duties as well.
Buffet breakfast has the typical Dutch breads and cold meats as well as cereals, eggs and bacon. The variety is a bit limited considering the 10 Euro per person price tag. It may be more cost effective to just have breakfast at Leiden Centraal where there is an Albert Heijn Express as well as a Burger King and a Smullers outlet which serves snacks for 1 to 2 Euro.
Unique Qualities: Free broadband internet access.
Address: Rijnzichtweg 97 2342 AX Oegstgeest
Price Comparison: less expensive than average
Directions: From Leiden Centraal, take bus no 31, 40 or 41 and go down at Rijnzichtviaduct stop which is across the hotel. Fare is 3 strips on a strippenkaart as it covers 2 fare zones despite being only a 5 minute ride.
Phone: +31 (0)71 - 515 38 41
Price: US$40-80
Theme: Hotel
Website: http://www.bastionhotels.nl/en/ourhotels/leiden
rrgt's Related Pages
"The world is here for us to enjoy...so enjoy!"
- Member Rank:
- 1 0 8 1 4
- 11 Reviews
- 5 Photos
- Add Friend
- Follow
- Send Message
Have you been to Leiden?Share Your Travels


text:
|Ruby Lane Shop Rating:
|Member Since:
|June 2007
|Ruby Lane Exclusive:
|Items Added in Last 7 days:
|Total Number of Items:
Vintage Collectibles: 109
Antiques: 59
Jewelry: 57
Porcelain & Pottery: 52
Fine Art: 42
Glass: 31
Dolls: 15
Vintage Fashion: 8
Furniture & Lighting: 8
Silver: 1
Ruby Lane Shops are some of the most respected e-commerce shops on the Internet, and we've designed a rating system so you can buy with confidence from any Ruby Lane shop.
To help insure buyers' confidence, we've developed a rating system based on completed sales as follows:
Our Service Pledge
I respond to a sale within 2 days. I describe my items with as much detail as I can, and provide many pictures so you can make as informed a buying decision as possible. I am not a professional dealer or shop owner, my items are mostly personal ones owned by my family. I mail every day except Saturday and Sunday. Once you have paid, the item goes out the next morning. If you are dissatisfied with it upon receipt, please let me know within three days and we will arrange for a return. Thank you and have a lovely day.
This shop is Non-Exclusive on Ruby Lane
What does this mean to you?
It means that this shop also sells the same, or similar items on other Internet sites, as well.


text:
Clinical Research Physician(Crp)
Bengaluru, KA
Job Code:
- Biotechnology & Science
Applying for this job will take you to an external site
Job Details
Reviews screening results and assesses volunteer suitability for entrance into studiesProvides medical counselling to volunteers with abnormal screening resultsParticipates as responsible Clinician for selected studies includingReviews clinical protocol and ICF prior to commencement of study Reviews subject eligibility to verify protocol requirementsConfirms subject comprehension of study activities and ensures Informed consent is given prior to entry into study.Oversees and assists in the administration of test articlesAssesses subjects adverse events and provides appropriate medical follow upWithdraws subjects as necessary to protect subject safety Reviews subject monitoring and safety data during the conduct of the studyPerforms end of confinement assessments and discharges subjects from the study siteWorks and/or liaises with external medical services as required for appropriate adverse event follow-upReviews applicable clinical reports as requiredSupervises the management of medical emergencies and approves the use of on-site necessary emergency medical equipmentAssists with training of medical personnelResponsible for meal plan in collation with dieticianAssists in the creation, development and revision of the Bioequivalence Centres Clinical Operations Department Standard Operating Procedures. Performs delegated acts as per delegation statementSupervises the activities of Nurses and Duty Medical Officers for rendering medical services to the subject at the Clinical Facility.Executes other duties as may be assigned by the Clinical Operations Management/delegate as training and experience allow.
Degree: M.Com. (Commerce) | M.Pharm. (Pharmacy) | M.Sc. (Science) | MA (Arts) | MBA/ PGDM | MCA/ PGDCA
Additional Degree: MBBS
Experience: 4-7
Degree: M.Com. (Commerce) | M.Pharm. (Pharmacy) | M.Sc. (Science) | MA (Arts) | MBA/ PGDM | MCA/ PGDCA
Additional Degree: MBBS
Experience: 4-7
RequirementsClinical Research
Applying for this job will take you to an external site