text:
Earth X
Trilogy Companion
Illustrated by Alex Ross
Text by Jim Krueger Richard Case
Format: Paperback
Normal Price: $65.00
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Availability: Available to Backorder, No Due Date for Supply, Not for Xmas
Earth X by Alex Ross
Book Description"The Earth X Saga" revealed secrets of the Marvel Universe, but what were the secrets of the "Earth X Saga"? See for yourself in more than one hundred pages of sketches, background notes and incredible insights! Plus: The story behind Nighthawk's demonic visions starts here! This title features Daredevil and Mephisto! This title collects "Earth X" numbered 1/2, "Nighthawk" numbered 1-3, plus more than 100 pages of background and sketch material.
Buy Earth X book by Alex Ross from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9780785124177
(225mm x 146mm x 9mm)
Pages: 232
Imprint: Marvel Comics
Publisher: Marvel Comics
Publish Date: 2-Apr-2008
Country of Publication: United States
Other Editions...
Books By Author Alex Ross
Astro City, Paperback (March 2017)
Helps you learn the secrets behind the mysterious American Chibi's origin, her powers, and the deadly threat she stands against. This title also focuses on Wolfspider, and takes a look into the life of this Australian Honor Guard member.
Kirby Genesis, Paperback (August 2016)
When the Fell Mists, which have shrouded the borders of Valhalla for time immemorial, rise to expose other Mythlands beyond his own, Sigurd and his brethren Balduur, Honir, and Heimdall revel in the knowledge that they may once again ride abroad into unknown lands, lending arms to those in need.
Art of Painted Comics, Hardback (June 2016)» View all books by Alex Ross
The history of painters in comics goes back to the dawn of pulp magazine covers. From "The Shadow" and "The Spider" to "The Black Bat" and other characters, painter's works have graced the covers of comics and pulps. This deluxe coffee-table art book presents a retrospective of the history of painters in comics.
» Have you read this book? We'd like to know what you think about it - write a review about Earth X book by Alex Ross and you'll earn 50c in Boomerang Bucks loyalty dollars (you must be a member - it's free to sign up!)
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Trendex Home Designs Zania Unbacked Runner with Tassel, 14 by 72-Inch, Earth
- Brand New 2 Left
- Item is brand new Original sealed packaging
List Price $19.99
Please note: BLINQ sells products in multiple conditions (new, open box, refurbished, etc). Not all reviews are reflective of the condition that you may purchase.
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- Features
- A multi-colored chenille stripe adorns this textured fabric. This versatile cloth can be used for any occasion - formal or casual.
- 059426402196
- Brand
- Trendex Home Designs
- Model
- FZAA 160-14x72-Earth
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- FZAA 160-14x72-Earth
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- Retailer needs to move overstock, open box & refurbished inventory.
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- Item is heavily discounted on BLINQ.com to sell quickly.

subset: commoncrawl


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Lace into the Lacoste L.ight 2.0 WMP sneaker's sleek silhouette for style that's sure to win. This sleek sneaker can be paired with your favorite joggers for a laid back look, or dressed up with a crisp pair of chinos.
- Cushioned footbed
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- Textile lining
- Textile upper with faux leather overlays
Delivery and Returns
Estimated delivery date: 6 (based on standard shipping).
We offer free shipping on orders over $99, and free returns and exchanges for up to 30 days.


text: Here's An Alpha Version Of CyanogenMod For The HP Touchpadkelly10/13/11 2:12amFiled to: AndroidCyanogencyanogenmodHpTouchpadWebOShp touchpad53EditPromoteShare to KinjaToggle Conversation toolsGo to permalink The HP Touchpad just jumped up a few notches on the tablet scale now that the first public release of CyanogenMod is available for download. Advertisement The port is an alpha release which means it's functional, but rough around the edges. According to dalingrin, most hardware features of the tablet are supported including buttons, sound, bluetooth, Wi-Fi, backlight, accelerometer and more.It's not perfect, but it could be fun for those adventuresome webOS owners. If you're interested, then head over to RootzWiki for all the details. [RootzWiki]Gear from Kinja DealsDoes Your Gaming Mouse Need a Bungee?Cuisinart's Griddler Combines Three (or Four) Kitchen Appliances Into One DeviceSunday's Best Deals: All-Clad, Winter Clothes, Despicable Me, and MoreReply53 repliesLeave a reply


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AN AMBULANCE crashed into a car on Watling Street in Bexleyheath this morning while on an emergency call (Jan 9).
The collision occurred shortly after 8am while the ambulance was responding to an emergency in Cassilda Road in Abbey Wood.
No injuries were reported and the three occupants of the car were checked over by a duty officer but did not need to go to hospital.
A London Ambulance Service spokeswoman said: "We can confirm that while responding to an emergency call, one of our ambulances was involved in a collision with a car on Watling Street.
"It occurred just after 8am. We sent one of our duty officers to the scene. The three occupants of the car were checked over but were not injured and did not need to go to hospital.
"Another ambulance was sent to the emergency call."
Police were on the scene to assist with traffic management in the area.
A Bexley police spokesman said: "We were called at 8.08am this morning. It was an ambulance and a car that were in collision.
"There were no injuries, only damage to the vehicles.
"It is not known whether the ambulance was on an emergency call at the time."
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SUPREME COURT OF THE STATE OF NEW YORK Appellate Division, Fourth Judicial Department
February 18, 2011
IN THE MATTER OF ROBERT SILLS AND AUDREY ELAINE SILLS, AS CO-EXECUTORS OF THE ESTATE OF ANGELINE V. SILLS, DECEASED,PETITIONERS-APPELLANTS,v.FLEET NATIONAL BANK, JOAN ROYSTON AND KIRK RICHARDSON,RESPONDENTS-RESPONDENTS.AUDREY PATRONE PEARTREE, GUARDIAN AD LITEM,RESPONDENT.ROBERT SILLS AND AUDREY ELAINE SILLS, AS CO-EXECUTORS OF THE ESTATEOF ANGELINE . SILLS, DECEASED, PLAINTIFFS-APPELLANTS, FLEET BANK AND JOAN ROYSTON, DEFENDANTS-RESPONDENTS.AUDREY PATRONE PEARTREE, GUARDIAN AD LITEM, RESPONDENT.ROBERT SILLS AND AUDREY ELAINE SILLS, AS CO-EXECUTORS OF THE ESTATE OFANGELINE . SILLS, DECEASED, PLAINTIFFS-APPELLANTS, JOAN ROYSTON,DEFENDANT-RESPONDENT.AUDREY PATRONE PEARTREE, GUARDIAN AD LITEM, RESPONDENT.
Appeal from an order of the Supreme Court, Steuben County (Peter C. Bradstreet, A.J.), entered December 31, 2009. The order granted the application of Audrey Patrone Peartree, as guardian ad litem for decedent Angeline V. Sills, to retain Elizabeth A. Wolford as counsel to represent her in an appeal of the court's decision and order dated September 10, 2009, and ordered that all reasonable fees and disbursements incurred by the guardian ad litem in that appeal be paid for by the Estate of Angeline V. Sills.
Matter of Sills
Fleet Natl. Bank
Decided on February 18, 2011 Appellate Division, Fourth Department Published by New York State Law Reporting Bureau pursuant to Judiciary Law § 431.
This opinion is uncorrected and subject to revision before publication in the Official Reports.
Decided on February 18, 2011
It is hereby ORDERED that the order so appealed from is unanimously vacated without costs
and the matter is remitted to Supreme Court, Steuben County, for further
proceedings in accordance with the same Memorandum as in Sills v Fleet Natl.
Bank ([appeal No. 1] ___ AD3d ___ [Feb. 18, 2011]).
Entered: February 18, 2011
Patricia L. Morgan Clerk of the Court
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Aluminum Perforated Pipe Strong And Durable For Filtration - Chinaprice: contact company for price
shields and guards of engineering, construction and material handling
industries. It is especially suitable for low-temperature
applications when its strength increases and ductility retains.
However, when its working temperature reach 400 °F, aluminum tube
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One advantage of using aluminum perforated pipe depends on its ideal corrosion resistance and strength-to-weight ratio. For some applications, weight should be kept in a low level to ensure smooth operation. Under this condition, aluminum tubing is the best choice. It not only provides enough strength but weight less than other metals like stainless steel or mild steel.
Company Contact:
- Posted By: Accurate Perforated Pipe Co., Ltd.
- Phone: 8631874682776
- Address: Industrial Park, Anping County, Hengshui City, Heb, Anping, China
- Email:
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Published date: February 19, 2014 -
- Business Description: Founded in 1998, Accurate Perforated Pipe Corporation has been the
leader in manufacturing metal perforated pipes in China. As a result
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world, our company knows well the exact requirements of the market,
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Metal perforated pipes are supportive tubes for exhaust system, filtration and decorative elements. Stainless steel, mild carbon steel and aluminum are three main raw materials which can serve you for long period. In common working conditions, mild steel perforated pipes are available. When the working environment is wet or corrosive, aluminum or stainless steel pipes are better options.
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Perforated steel tube (either hot rolled or cold rolled) is more cost- efficient compared with the other two types like stainless steel tube and aluminum tube. Though carbon steel is subjective to corrosion and rust, external protective coating will ...
Perforated Stainless Steel Tube Used In Exhaust Or Filtration FieldsMetals - Steel - Accurate Perforated Pipe Co., Ltd. - China - February 19, 2014 - contact company for price
Stainless steel perforated pipe is great alternative for exhaust tubing of automotive applications. Owing to its excellent corrosive resistance and overall properties, stainless steel perforated tubing is completely recycled. Perforated stainless ste...
Metal Wire Fan Guards Protect Cooing Fans And Allow Max AirflowMetals - Steel - Henglinda fan guard Co., Ltd. - China - February 17, 2014 - contact company for price
Metal wire fan guards are designed for optimal fan airflow and noise reduction. It is an ideal protection against injuries caused by rotating fan blades, and also keep fans and cables safe from damage, and to ensure safe operation. Wire fan finger gu...
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- Get to know more about scams to avoid: Internet Crime Complaint Center - International Financial Scams
- This site is never involved in any transaction, and does not handle payments, shipping, guarantee transactions, provide escrow services, or offer "buyer protection" or "seller certification"


text:
Discussion in 'Introduce Yourself' started by TG Trekboy101, Sep 28, 2014.
hi i am Trek from TG
Welcome Trek, stroll around the forums and find a few to hang out in. When you decide to do some online racing with us take a peek at our Rules and apply for a free RD racing licence.
Separate names with a comma.


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We won't be beaten
To save you time
Free for online orders
In Stock
A selection of different board games suitable for year 5-6. The games included in the pack cover all of the KS2 topics; addition, subtraction, multiplication, division, decimals, fractions, percentages and word problems. All of the games are accompanied with 20 counters, 1 die, and spinners. An excellent way of making maths fun


text:
Check in from 12:00 AM / Check out prior to 12:00 AM
Achillion Hotel: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Athens, Greece.
Under 20 minutes' stroll from Monastiraki Metro Station, Achillion Hotel provides guests with a convenient base while visiting Athens. A short stroll from Omonia Square, it offers contemporary rooms equipped with a private bathroom, a refrigerator and a flat-screen TV.
Hotel description
This 3-star hotel provides a coffee bar, a 24-hour reception and an express check-in and check-out feature. A tour desk, a concierge and luggage storage are also available.
Achillion features spacious rooms equipped with a radio, a hair dryer and heating.
A satisfying breakfast is served every morning at Achillion Hotel Athens, and there are numerous restaurants and eateries close by. Beverages are served at the bar.
Achillion Hotel is situated amongst the area's well-known attractions, and the National Archaeological Museum, Ermou Street and National Bank of Greece are also within walking distance. It is within walking distance of Larissa Metro Station, which allows for easy access in and around Athens.
Hotel features
Room Service, Restaurant, Bar / Lounge, Air Conditioned, Refrigerator, Hair Dryer, TV, En suite, Private Bathroom, Coffee Shop/Cafeteria
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Room Type
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Users who viewed Achillion Hotel also viewed these 3 stars Athens hotels:
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5 Nikeas Street, Platia Victorias, Athens
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48 Syngrou Avenue, Athens
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We are one of AQHA's Ranching Heritage Breeders. We raise a handful of foals every spring and focus on quality, conformation and attitude. Our stallion is Genuine Lil Pep (an own son of Genuine Doc). Our broodmare band includes bloodlines of Two Eyed Jack, Zan Parr Bar, Playgun, Hollywood Jac 86, Strait Silver and Doc Bar. Our brood mare band has expanded!! We are excited to have several own daughters of Smart Little Lena, own daughters of Real Gun, Whole Lotta Pepto, Mr San Peppy and we've add a few thoroughbred mares.... (read more)http://www.equinenow.com/farm/cold_springs_farms.htm
Shy Anne is a sweet mare. She was broke and ridden a couple of years. She raises amazing foals with great dispostions. She is a color producer all her…$2,500
We have several geldings available. They will be two year old in April and May. These are big stout boys and are ready to start. Two bays and two sorrels…$2,500
All Around, Beginner, Ranch, Ranch Work, Reining, Roping, Trail Riding, Western Riding, Working Cattle, Working
If so, you can update this page by editing your company information.


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Minimum wage increases lead to job losses, says ACS
Wednesday 02 November 2011 - Editorial Assistant
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Keep fresh in the Nike NSW Tech Fleece (805144-654). This warm red pull-over features super soft jersey fabrication, jacket hood, and a Nike corporate logo screen-printed in black at left of chest. For sizing information, be sure to check our Size Chart. Looking for a store near you? Head over to our Store Locator.
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39 comments
Love this! I collect notebooks so I'm definitely going to check out their site :)ReplyDelete
It looks lovely - the embossing being a map of Athens is a great touch! :) Notebooks are always handy to have close by!ReplyDelete
Away From The Blue Blog
Nice picks, although your wallet caught my attention, dear! xoxoReplyDelete
Aw this store is really interesting!I'm in love with creative home stuff! Thanks for sharing and these pics are absolutely amazing! Have a smiley day S!ReplyDelete
sweet sweet postReplyDelete
NEW OOTD post is up
Facebook |Bloglovin |♥Instagram | Lookbook |Google✚
Stay Gold
What a lovely notebook - as if I needed more of a reason to continue obsessing over stationery haha! I love the pale blue shade, as well as your choice of quote to write on its first page :)ReplyDelete
Gabrielle | A Glass Of Ice x
Such a lovely and luxurious flat lay! And very inspiring too!ReplyDelete
The Flower Duet
Great introduction like the bracelet.ReplyDelete
Oh it looks so delicate and beautiful! You're so lucky to have received this notebook.ReplyDelete
Wow, these are amazing! I love the concept of this brand and I can see why you are loving their work :)ReplyDelete
-Leta | The Nerdy Me
I love the creativity of this store! So many beautiful products.ReplyDelete
Katie xx ¦ La Coco Noire
Oh I love the idea behind this and how original these products are! Great work and a big bravo to the creator :)ReplyDelete
What great creative pieces. Great store, awesome postReplyDelete
Love these items pictured! My favorite is that awesome gold watch :DReplyDelete
Have a great day!
Love these pictures! Love the gold watch!ReplyDelete
Meet My Lovely World
I am obsessed with notebooks . . . this one is so cuteReplyDelete
Life is just Rosie
All of these are so cute, I love handmade things because they are so original!ReplyDelete
Have a wonderful weekend, xx
My Vogue Style | www.myvoguestyle.com
Lovely post!!!ReplyDelete
I love collecting notebooks; the design is beautiful and truly unique!ReplyDelete
Macarons and Mischief
absolutely dear. they are super super expensive :/ReplyDelete
OMG, so incredible post. In love with your watch!
NEW GET THE LOOK POST | Flower Power.
Instagram ∫ Facebook Oficial Page ∫ Miguel Gouveia / Blog Pieces Of Me :D
Such cute things! I'm loving the My Greek Layer Necklace, the blue and gold is magnificent.ReplyDelete
Congrats to her--sounds like a great site. I'll have to check it out! Have a great weekend.ReplyDelete
Love it! Happy weekend. :)ReplyDelete
Style For Mankind
Looks so cute! Great photography as usual! xReplyDelete
Have a great weekend,
Thanks Andreea xxDelete
The notebook is adorable. Love the initiative Adeola is doing with the new site.ReplyDelete
Foodie Friday
They do have very cute products. I love Talisman for the neck among others. Lovely. Thanks for introducing this brand to us and have an amazing weekend babe.ReplyDelete
They do have very cute products. I love Talisman for the neck among others. Lovely. Thanks for introducing this brand to us and have an amazing weekend babe.ReplyDelete
bracelet is stunning . overall look is great.ReplyDelete
This online shop sounds great! thanks for sharing! xoxoReplyDelete
Is nice!ReplyDelete
It's beautiful! You're going to get a lot of use out of it! We learn so much from other bloggers. Enjoy :DReplyDelete
Well I have to say that watch is STUNNING, truly, I would love to have that on my wrist.ReplyDelete
Allie of


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This item sold on November 29, 2012.
This antique spinning wheel was probably used regularly to spin wool. It would then be woven into sweaters that kept folks warm during the long Vermont winters. It's not surprising that a tool used to create beauty has aged gracefully to become it's own piece of beauty, long after it has stopped spinning. This timeless piece brings that antiquated tradition to life and gives any room that simple rustic charm...
Antique Blue Rustic Wooden Spinning Wheel
- Vintage item
- Materials: wood, wool, thread
- Only ships within United States.
- Feedback: 17 reviews
- Favorited by: 44 people
- Listed on Nov 17, 2012
- 392 views
- 44 favorites


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Dan Henderson está pronto para vencer Maurício Shogun na luta principal do UFC 139, evento que acontece sábado (19) na Califórnia, Estados Unidos. Quem garante são os treinadores do norte-americanos, watch video >>
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text: !! Cat steals the dog bed !! Let this be a lesson to you all: Never try to remove a cat from its resting place. My favorite part of the video is when the dog almost eats the cat's head and then thinks better of it. (via Cityrag) » share: » OMG, read these RELATED ENTRIES: Dog mother adopts kittens OMG, view from the bed: A cat map OMG, Gnarly the Unicorn: Inflatable Cat Horn Fastidious cat grooms giant dog » posted by Frank on Tuesday, June 12th, 2007 Leave a comment | category: Cute | permalink _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ add a new comment Cancel reply Your email address will not be published. Required fields are marked *comment text (you may use HTML tags for style):name * email *


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decided: July 17, 1980.
FEDERAL DEPOSIT INSURANCE CORPORATION, PLAINTIFF-APPELLEE,v.HENRY S. LAUTERBACH, JOHN DEBELAK AND NICHOLAS LESSELYOUNG, DEFENDANTS-APPELLANTS
Appeals from the United States District Court for the Eastern District of Wisconsin. Nos. 76 C 341, 76 C 342 and 76 C 340 -- Robert W. Warren, Judge.
Before Pell and Sprecher, Circuit Judges, and Markey, Chief Judge.*fn*
This is an appeal from the district court's granting of summary judgment in favor of plaintiff, Federal Deposit Insurance Corporation (FDIC).*fn1 The defendants contend that the district court erred in its interpretation of the relevant statute, 12 U.S.C. § 1823(e), and that genuine issues of material fact precluded summary judgment. We find defendants' arguments without merit and affirm the judgment below.
In these actions, the FDIC seeks payment of principal and accrued interest on three promissory notes.*fn2 Each of the notes is payable to the American City Bank & Trust Company (American) and all were due on April 28, 1976. Each defendant admits executing a note and admits that no payments of principal or interest have been made.*fn3
By order of the Comptroller of the Currency, American was declared insolvent on October 21, 1975, and the FDIC was appointed its receiver. The FDIC, as receiver, entered into a purchase and assumption agreement with the Marine National Exchange Bank of Milwaukee. In order to facilitate this agreement, the FDIC, in its corporate capacity, purchased from the FDIC, in its capacity as receiver, certain assets of American, including the three notes at issue here.*fn4 The purchase and assumption agreement was approved by the district court in an ex parte proceeding. See In re Liquidation of American City Bank & Trust Co., N.A., 402 F. Supp. 1229 (E.D.Wis.1975).
In the district court, the defendants raised essentially three defenses to the FDIC's claims. First, each defendant denied receiving value for his note. Second, each defendant challenged the validity of the purchase and assumption transaction and the effectiveness of the transfer of the notes to the FDIC.*fn5 Finally, each defendant asserted that execution of his note was induced by fraud committed by American and the FDIC in connection with a 1974 stock purchase. Each defendant had purchased stock of American Bankshares Corporation (Bankshares), the parent of American, in 1974; the purchases were financed through loans from an affiliated bank subsequently repaid with the proceeds of the notes at issue here. The defendants asserted that they were fraudulently induced to purchase this stock by misrepresentations on the part of American's officers. The FDIC allegedly aided this fraud by failing to advise the defendants that the assurances given them by the officers were misrepresentations.
The FDIC moved for summary judgment in each of the three suits. The defendants opposed the motions and filed identical affidavits alleging additional instances of fraud on the part of the Bank's officers. The district court granted summary judgment in favor of the FDIC in all three suits, finding that none of the defenses raised by the defendants presented a genuine issue of material fact. With respect to the fraud defense, which is our primary concern on this appeal, the district court found for the FDIC on two alternate theories. First, the court held that 12 U.S.C. § 1823(e) clothed the FDIC, in this situation, with the same protection from the defense of fraud in the inducement accorded a holder in due course of a negotiable instrument.*fn6 See Wis.Stat. § 403.305. In the alternative, the district found that even if the fraud defense could be asserted against the FDIC, the pleadings, affidavits, depositions and other materials in the record did not reveal a genuine issue of material fact with respect to that defense. The district court also ruled that no genuine issue of material fact existed with respect to whether defendants had received value for their notes and found no defect in the purchase and assumption transaction or the transfer of the notes to the FDIC.
On this appeal, the issues have been narrowed somewhat. In the district court, the defendants raised the alleged defects in the purchase and assumption transaction and the transfer of the notes to the FDIC as a separate defense, independent of the fraud allegations. On appeal, however, the defendants raise this defense only in connection with their argument that the defense of fraud in the inducement maybe asserted against the FDIC. See Brief of Defendants-Appellants at 15-21, 37-38. Because we find that defendants' allegations of fraud present no genuine issues of material fact, we need not decide whether the FDIC is protected from this defense. We therefore will not address the challenges to the purchase and assumption transaction or the transfer of the notes. The issues are further narrowed because the defendants do not contend on appeal that the FDIC was involved in the alleged fraud. Finally, although they continue to assert that they received no value for their notes, it is apparent that they consider this defense substantially equivalent to the fraud defense. See Brief of Defendants-Appellants at 35-37.
A description of the circumstances underlying the stock purchases and loan transactions at issue here is necessarily complicated but nonetheless essential to an understanding of the defendants' allegations of fraud. These underlying facts are essentially undisputed and are set out below substantially as recited by the district court.
American City Bank & Trust was a national banking association in Milwaukee, Wisconsin. One hundred percent of the capital stock of American was owned by American Bankshares, a holding company for American and several other banks. The defendants were all nonemployee directors of American and two, Henry Lauterbach and Nicholas Lesselyoung, were also directors of Bankshares.*fn7 The defendants had served as directors of American for varying terms: Mr. DeBelak served from approximately 1965 to 1975, Mr. Lauterbach served from approximately 1970 through 1974, and Mr. Lesselyoung served from 1972 through 1975. The depositions reveal that, in addition to their service on American's board, the defendants all possess a wide variety of business and financial experience.
During 1974, the defendants, as directors of American, received a large volume of information concerning the poor and continually deteriorating financial condition of the Bank.*fn8 At a regular directors meeting on April 17, 1974, the directors were informed that the Regional Administrator of National Banks had classified over $5.9 million of American's loans as loss, doubtful, substandard or special mention. The Bank's classified loan to capital ratio of 40% was considered on the high end of acceptable. In addition, American's outside auditors had informed American that 1973 earnings must be adjusted downward by $600,000 in order to increase the loan loss reserve. The auditors also recommended creation of an additional reserve of $1 to $3 million in connection with a particular group of loans, the Bradley loans.
The Bradley loans were a topic of discussion at a May 4, 1974, joint meeting of the Bankshares and American boards. The directors were advised that the outside auditors had required creation of a $3 million reserve for possible losses on these loans. The auditors had contacted the Comptroller to suggest further review and consideration of the recent report of examination of American. A reexamination was in progress with respect to Bankshares operations in general and the Bradley loans in particular; the examiners had already required an immediate charge off of $929,426 on those loans. In addition, the Regional Administrator had advised the Bank that $3 million in additional capital would be required. American's board authorized acquisition of the additional capital within seven business days and directed the officers to take action to reduce loans and borrowings. This action was confirmed by a letter to the Regional Administrator acknowledging American's liquidity, loan and capitalization problems.
The two boards again met jointly on May 10, 1974. According to the minutes, a comprehensive history of the events of the preceding three years which had led to the present situation was delivered. The plan for acquisition of additional capital was discussed in detail. It was expected that Bankshares stock would be sold at $20 per share, with the proceeds used to purchase stock in American. Funding for this transaction had been arranged with another bank. At the regular board meeting on May 15, 1974, American's directors were informed that the proceeds of the sale of Bankshares stock would not immediately be infused into American but would be retained by Bankshares until its outstanding commercial paper had been reduced.
At its regular monthly meeting on June 19, 1974, American's board was informed that a letter had been received from the Regional Administrator regarding the Bank's loan and borrowing reduction program. The minutes of a joint meeting of the Executive Committee of Bankshares and the Policy Committee of American, appended to the minutes of the directors meeting, indicate that the letter concerned American's failure to reduce borrowings as earlier agreed. The letter informed American that new loans should be limited and that a program for month-by-month reduction in loans and borrowings should be submitted.
American's board was informed on August 21, 1974, that the Regional Administrator and Deputy Comptroller had directed that another $2 million in new capital, in addition to the initial $3 million, be infused into the Bank. The directors were provided with copies of a letter sent by counsel for American to the Comptroller acknowledging the serious financial problems confronting the Bank with respect to capital, loans, borrowings and deposits, and agreeing to follow the Comptroller's recommendations. One week later, on August 28, 1974, the directors convened again, this time at a special meeting called at the request of the Regional Administrator. The directors were informed by the Regional Administrator's representative that American's activities were being closely examined by the Regional Administrator and the Comptroller and that three basic problems had been identified: liquidity, asset quality and condition, and capital adequacy. The board was told that the Bank needed $5 million in new capital the original $3 million still retained by Bankshares and the $2 million mentioned on August 21. It was emphasized that policy matters were the responsibility of the board and not that of the Comptroller.
Representatives of federal regulatory agencies were again present at the board's September 11, 1974 meeting. The Regional Administrator and National Bank Examiner informed the directors that the classified loan to capital ratio, which at 40% had been at the high end of acceptable, had reached 126%, and that 14.2% of American's loans were past due. The directors were also informed that five loans were overlines, loans in excess of American's legal lending limit, and that bank directors are personally liable for the entire amount of such overline loans. The importance of new capital was once more emphasized.
The minutes of the October 14, 1974, joint meeting of Bankshares' Executive Committee and American's Policy Committee were attached to the minutes of the directors' regular meeting on October 16, 1974. The committees had discussed the overline loan situation and American's need for new capital. The Bank's poor operating results were noted and were attributed primarily to losses on securities transactions and to a large number of loans which were not accruing interest. Bankshares' board had been notified that the net loss for the first nine months of 1974 was estimated to be $800,000. The directors were informed, however, that in the view of Bankshares' counsel this estimate should not be released. It was feared that the estimate could prove to be misleading because year-end adjustments could result in a much larger actual loss.
At a special meeting on November 6, 1974, the board discussed an October 29 letter from the Regional Administrator, a copy of which was sent to every director, outlining in detail the deteriorating condition of the Bank. The classified loan to capital ratio had risen to 168%, a figure characterized as "extremely disproportionate." Over 14% of American's loan portfolio was delinquent. The Regional Administrator's examination had uncovered very serious violations of law involving the Bradley overline loans and had revealed that the Bank's bond account was carried at a book value $4.7 million in excess of its market value. In the Regional Administrator's view, the Bank was in an unsafe liquidity condition and was suffering from a very rapid and extremely serious deterioration in its assets and operations due to illegal acts and gross mismanagement. American was in an unsound and extremely extended condition, suffering from a volatile deposit structure and a loan portfolio in very poor condition. American had repeatedly failed to reduce loans and borrowings as promised and still had not received the $3 million in new capital raised in the May 1974 stock sale. The Regional Administrator directed infusion of this amount into the Bank, acquisition of an additional $2 million, and restoration from the directors' personal assets of $1,350,000 written off on the Bradley overline loans. The directors were reminded of their potential personal liability on overline loans.
The directors continued to receive such bleak financial information during the remainder of 1974. At the November 20, 1974, regular board meeting, the directors were informed that.$3.6 million had been set aside as an additional loan loss reserve and that American's new outside auditors recommended adjustment of 1972 and 1973 financial figures to reflect values and transactions in trading account securities. On December 18, 1974, the directors met again and were reminded of the urgent need for new capital. The Regional Administrator required that the new capital be on American's books by the end of 1974 and that no new loans be made until the new capital had been received. The directors were informed that they were expected to contribute some of the required capital through stock purchases. Also at this meeting, the resignation of Mr. Lauterbach was announced.*fn9
The defendants purchased Bankshares stock on December 31, 1974, at a price of $5.50 per share.*fn10 Each defendant financed the purchase in total through a loan from American Hampton Bank, a Bankshares subsidiary. On April 29, 1975, the notes at issue in this case were executed, with the proceeds being used to pay off the principal and accrued interest on the Hampton loans. Defendants now seek to avoid payment of these notes by charging, among other things, that they were fraudulently induced to enter into the December 1974 stock purchase by misrepresentations on the part of American's officers.
Under Wisconsin law, three elements must be established by a party alleging fraudulent misrepresentation:
First, there must be a false representation; second, it must be made with intent to defraud and for the purpose of inducing another to act upon it; and third, such other person must rely on it and be induced to act, to his injury or damage.
Goerke v. Vojvodich, 67 Wis.2d 102, 226 N.W.2d 211, 214 (1975). See also McCluskey v. Thranow, 31 Wis.2d 245, 142 N.W.2d 787, 791 (1966). In general, the false representation must relate to present or pre-existing events or facts and may not be merely a prediction of future events or an unfulfilled promise. See Hartwig v. Bitter, 29 Wis.2d 653, 139 N.W.2d 644, 646 (1966). A promise may be actionable where the promisor has a present intent not to perform and a prediction may constitute fraud where the predictor is aware of present facts incompatible with the prediction or opinion. Id. at 647.
The party alleging fraud must have relied upon the false representation to his detriment and his reliance must have been justifiable. See Kiefer v. Fred Howe Motors, Inc., 39 Wis.2d 20, 158 N.W.2d 288, 292 (1968). Reliance on obviously false statements is not justifiable, neither is reliance upon statements the falsity of which could have been discovered through the exercise of ordinary care. See Williams v. Rank & Son Buick, Inc., 44 Wis.2d 239, 170 N.W.2d 807, 810-11 (1969). Where a party possesses information which indicates or suggests that a representation made to him is false, there is a duty to take affirmative steps to investigate that representation. See Kiefer, supra, 158 N.W.2d at 293; Koehler v. Haechler, 27 Wis.2d 275, 133 N.W.2d 730, 731-32 (1965); W. Prosser, Handbook of the Law of Torts § 108, at 715-18 (4th ed. 1971). A party presented with an opportunity to learn the truth may not ignore that opportunity and blindly rely upon another's representations where ordinary care would have revealed the truth. See Williams, supra, 170 N.W.2d at 811.
Whether the exercise of ordinary care would have revealed the truth "is to be determined in light of the intelligence and experience of the misled individual." Id. at 810-11. The defendants' status as directors of American is thus of substantial importance in this case. A corporate director may not claim total ignorance of the corporation's affairs, particularly those matters fairly disclosed by the directors' meetings and those corporate records to which directors had access. See Myzel v. Fields, 386 F.2d 718, 736 (8th Cir. 1967), cert. denied, 390 U.S. 951, 88 S. Ct. 1043, 19 L. Ed. 2d 1143 (1968); Goess v. Ehret, 85 F.2d 109, 110 (2d Cir. 1936). See also Koehler, supra, 133 N.W.2d at 731-32. This is not to say that a director may not plead and prove fraud against his own corporation and its officers, but rather that a director's access to corporate information and his duty to maintain some minimal degree of familiarity with corporate affairs are factors which must be considered in determining whether reliance on a representation was justifiable.*fn11
As defendants properly note, resolution by summary judgment of the issues raised by an allegation of fraud is often difficult or impossible. There is not, however, as defendants seem to suggest, a firm rule precluding use of the summary judgment procedure in cases involving questions of fraud.*fn12 As Professor Moore states:
(I)n whatever guise the issue of fraud may appear in an action, the general basic principles underlying summary judgment apply and, if these are met, the issue of fraud may be summarily adjudicated.
6 Moore's Federal Practice P 56.17(27), at p. 56-866 (footnote omitted). In our recent decision in First National Bank Co. v. Insurance Company of North America, 606 F.2d 760 (7th Cir. 1979), we approved a district court's granting of partial summary judgment resolving issues of fraud. We noted that although a district court is not to try issues of fact in a summary judgment proceeding, it has the power to penetrate the pleadings and look at any evidentiary source to determine whether summary adjudication is appropriate. Id. at 767. A genuine issue of fact is raised where the facts alleged would constitute a legal defense if proven. Id. at 766. Once a showing has been made by the movant, the burden rests upon the opposing party to show that "he has a ground of defense fairly arguable, and of a substantial character." Id. at 767. In this case, the FDIC made the initial showing by presentation of the notes, the execution and nonpayment of which were admitted; the burden then shifted to defendants to allege facts which, if proven, would establish as of a substantial character their defenses of fraud and lack of consideration. We turn to defendants' allegations of fraud to determine whether they raised genuine issues of material fact precluding summary judgment.
Defendants' fraud allegations fall into two categories: those presented in defendants' answers in the court below and those first mentioned in the affidavits filed by defendants in response to the FDIC's motions for summary judgment. We will consider each category in turn.
In their answers, defendants alleged four instances of misrepresentation by American's officers. The district court carefully and extensively analyzed each of the pleaded allegations and found that none presented a genuine issue of material fact precluding summary judgment. 476 F. Supp. at 947-48.*fn13 In their initial brief in this court, the defendants did not discuss those allegations at all, focusing instead upon the allegations presented in their affidavits. A fair reading of their brief reveals no argument that the district court erred in its decision with respect to the pleaded allegations. In their reply brief, the defendants, in response to the FDIC's observation that the pleaded allegations had apparently been abandoned, asserted that this was not the case. See Reply Brief at 6-7. Despite this assertion, defendants did not explain to this court in what way the district court erred in its treatment of these allegations. They claim, in general terms, that the pleaded allegations presented genuine issues of fact requiring a trial, but avoid any detailed consideration of the district court's ruling.
We have, nonetheless, given extensive consideration to the pleaded allegations and find the district court's conclusion correct. Examination of the record in this case indicates that these allegations raised no genuine issues of material fact; they would not constitute a legal defense if proven and did not reveal "a ground of defense fairly arguable, and of a substantial character." First National, supra, 606 F.2d at 767. We therefore affirm the district court's decision with respect to defendants' pleaded allegations of fraud.
Three instances of fraudulent conduct were alleged in the affidavits filed by the defendants in response to the FDIC's motions for summary judgment:
Certain officers of American City Bank & Trust Company and American Bankshares Corporation . . . had, during the years 1972 and 1973, engaged in illegal and fraudulent conduct with respect to the bond portfolio of American City Bank & Trust Company, by engaging in transactions known as "overtrades", which had the effect of failing to reflect on the books and records of account of the Bank and of American Bankshares Corporation losses on bond transactions, which had the effect of concealing the true financial condition and income statements of these corporations.
Sometime during the year 1974 Raymond L. Callen, President of American City Bank & Trust Company, misappropriated Bank funds by creating a compensating balance in the amount of approximately $1,500,000 at Colonial Bank & Trust Company, Chicago, Illinois. . . .
(O)n December 31, 1974, the net loss of American City Bank & Trust Company for the nine month period ending September 30, 1974, as had been represented to (defendants), was approximately $800,000, whereas in truth and in fact such loss for the nine month period ending September 30, 1974, was in excess of $4,000,000 . . . .
Lesselyoung Affidavit, PP 3-5, Appendix at 126-28.*fn14 The district court found no factual support in the record for these claims and ruled that they raised no genuine issues of material fact. 476 F. Supp. at 948-49. For the reasons stated below, we agree with this conclusion.
Defendants' first allegation points to alleged overtrading by American's chairman and vice-president, causing inaccuracies in American's books.*fn15 The record reveals that the Bank's directors were informed of inaccuracies in the Bank's valuation of its bonds and of the overtrade transactions. The October 29, 1974, letter from the Regional Administrator to the board, copies of which were sent to all directors, stated that American's bond account was carried at a book value $4,719,143 in excess of market value and indicated that this inaccuracy was due, at least in part, to "illegal acts and gross mismanagement. . . ." Kissel Affidavit, Exhibit G, at 08139.*fn16 The minutes of the November 20, 1974, board meeting indicate that the directors were informed that American's new outside auditors recommended adjustment of 1972 and 1973 annual report figures to reflect values and transactions in trading account securities. Id. at 08146.*fn17 This matter was also discussed at the board's December 18, 1974 meeting. Id. at 08165. Finally, each defendant, at the time of the December 1974 stock purchase, received a copy of a December 11, 1974, letter from the outside auditors to the Bank which described the overtrade transactions and explained the inaccuracies in the Bank's records caused by them.*fn18 Supplemental Appendix at 242-44. Thus, prior to the stock purchases, the defendants had received information revealing inaccuracies in American's books and, at the time of the transaction, they were informed of inaccuracies and of the transactions which caused them. No claim of fraud may be maintained where the defendants were in possession of information revealing the inaccuracies which allegedly misled them.
The second allegation of fraud pertains to misappropriation of funds by American's president through creation of a $1.5 million compensating balance at Colonial Bank & Trust Company. Although the minutes of the directors' meetings do not reveal specific discussion of the compensating balance, they do reveal discussion of Colonial's role in financing the May 1974 sale of Bankshares stock. Minutes at 07952-53, 07959. They further reveal that Colonial extracted a number of concessions from American in exchange for its financing the May 1974 transaction.*fn19 It is also clear from the minutes that the directors were informed that American had some form of deposit with Colonial. Id. at 07992. The directors, therefore, while perhaps not specifically informed of the details of the compensating balance, were nonetheless aware of an ongoing relationship between American and Colonial. More important, even accepting defendants' argument that the information in their possession was insufficient to create a duty to investigate, the affidavits still do not allege an actionable misrepresentation. Although the affidavits assert that defendants would not have purchased the stock had they known of the compensating balance, it is nowhere explained how this conduct caused any inaccuracies in the books of the Bank on which they relied to their detriment. While the district court, in a summary judgment proceeding, is required to draw all permissible inferences in favor of the party opposing summary judgment, it is not required to speculate, in the absence of any evidentiary support, as to the possible factual connection between an alleged instance of fraudulent conduct and the transaction said to have been induced by it. The district court properly disposed of this allegation.
Defendants' final allegation is that the board was informed that American's estimated net loss for the first nine months of 1974 was $800,000, when in fact the actual loss for this period was in excess of $4 million. The $800,000 estimate was presented to the directors at an October 16, 1974 board meeting. As discussed in Part I, B, supra, the directors were advised at that time that $800,000 was merely an estimate and were counseled against releasing the figure because it could prove to be "extremely misleading" in that year-end adjustments could produce "a much larger loss." Minutes at 08132. The directors informally decided not to publish the estimated loss figure. Id. at 08116. This estimate simply will not support a claim of fraud where the probable inaccuracy of the figure was emphasized at the time it was presented to the board.*fn20
The essence of defendants' argument in this case is that while they do not deny that they were aware that American was in serious financial difficulty, they did not know that its officers had engaged in fraudulent and illegal conduct. American's directors were, however, informed prior to the December 1974 stock purchases that such conduct had occurred. The board was informed by federal officials on September 11, 1974, that overline loans had been made in violation of law, for which the directors might ultimately be liable. This problem was a frequent topic of discussion at board meetings thereafter. The Regional Administrator's October 29, 1974 letter stated that a bank examiner's report set out "very serious violations of law" and that the Bank's rapid deterioration was due to "illegal acts and gross mismanagement." Minutes at 08139. After such reports from federal officials involved in scrutinizing the operations of the Bank, the directors knew or should have known not only that American had financial problems, but also that these problems were traceable, at least in part, to serious misconduct by American's officers.
The fraud allegations in defendants' affidavits are unsupported by the record and failed to create a genuine issue of material fact in this case. We therefore affirm the district court's decision with respect to these allegations.
In addition to their allegations of fraud, defendants claim that their notes are not enforceable against them due to lack of consideration. They appear to regard this defense as merely a rephrasing of their fraud defense.*fn21 To the extent that this is the case, the defense has been disposed of in Part II, supra. To the extent that defendants intend lack of consideration to be an independent defense, we agree with the district court's disposition of the issue, for the reasons discussed below.
The notes at issue in this case were given to American in exchange for American's payment of defendants' pre-existing obligations on the Hampton loans. Discharge of a pre-existing debt is adequate consideration under Wisconsin law to support execution of a note. See Hessman v. O'Brien, 258 Wis. 243, 45 N.W.2d 730, 732-33 (1951). To avoid this result, defendants attempt to consolidate three separate transactions the Hampton loan, the purchase of stock, and the American loan into a single transaction by arguing that the real consideration for the notes given to American in April 1975 was the stock purchase from Bankshares in December 1974 and that the stock was worthless. Accepting, for the sake of argument, defendants' view of the transactions, it is nonetheless clear that defendants received consideration for both the Hampton and American notes. The Bankshares stock purchased in 1974, was of uncertain value and may have been worth less than the $5.50 purchase price; however, since Bankshares was still in operation at that time, its stock had some value. The fact that the stock became worthless later is irrelevant, as is the fact that it may not have been worth the price paid. "(M)ere inadequacy of consideration" is not a defense in this case. See Home Savings Bank v. Gertenbach, 270 Wis. 386, 71 N.W.2d 347, 352 (1955). The district court properly found that the defense of lack of consideration presented no genuine issue of material fact.*fn22
For the reasons stated above we affirm the district court's granting of summary judgment in favor of the FDIC.
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492 - 10/06 - The Rescue of Persons in Distress at Sea - Worldwide
- Date: 30/09/2006
Bulletin 492 (25 kB)
Earlier this year the IMO Maritime Safety Committee approved the Guide on recovery techniques, which provides specific guidance to seafarers on techniques for the recovery of persons in distress at sea.
The Guide recognises that the rescue of persons from the water or other craft is not straight forward and often a unique solution will have to be found in order to solve a unique lifesaving problem. The guide supports the recovery guidance in Volume III of the International Aeronautical and Maritime Search and Rescue (IAMSAR) Manual, and its principal aims are to help masters and crew assess an incident, prepare for it, and also to train for emergency situations.
Intended for use as a reference document, it is recommended that the Guide be read by ship's crew now, and also read when proceeding to the scene of an emergency. The full Guide is attached with this bulletin and can also be downloaded from the International Maritime Organization website using the link below:
For the interest of Members, the Club rule on diversion expenses is quoted below:
Rule 2 Section 7
Expenses of diversion of an entered ship where and to the extent that those expenses (i) represent the net loss to the Owner (over and above such expenses as would have been incurred but for the diversion) in respect of the cost of fuel, insurance, wages, stores, provisions and port charges and (ii) are incurred solely for the purpose of securing treatment for an injured or sick person or while awaiting a substitute for such person or for the purpose of landing stowaways or refugees, or for the purpose of saving life at sea.
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Legal, navigational and environmental resources, news and updates on the development of polar shipping. Read more
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With effect from 30th January 2014 non-tank as well as tankships calling at US ports will be required to submit VRPs. For Club and other resources to assist in compliance click here
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Environmental Compliance resource page collates material in respect of International environmental compliance issues affecting our Members. Information from the Club, Loss Prevention and external resources has been collated in one place for ease of reference.
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Essential precautions and preparation against piracy, as well as additional information and resources, loss prevention advisories and useful external web links


text:
|Thursday, May 17, 2012
|Day 1: The Business of Healthcare and the Effects on Disparities
Plenary Session I
Topic: Hispanics & Health: New Mainstream Trends and Attitudes about Bienestar
Sponsored by: Geoscape
Speaker: Arthur Rockwell
As the driving force behind the New American Mainstream, Hispanics are increasing in numbers, influence and affluence. There are vast differences within this group based upon a number of demographic variables: US-born vs. foreign born, country-of-origin, language preference and acculturation levels. This increasingly important segment of the population also has unique health and wellness needs and attitudes based on their Hispanic and family-oriented cultures. No set of services could benefit more than healthcare and health insurance from the application of the 'platinum rule', i.e.: "Treat others the way they would like to be treated".!Topic:Hispanics & Health: New Mainstream Trends and Attitudes about Bienestar
|Plenary Session II
Topic: In Health and Life: We Hispanics are more than Statistics
Speaker: Dr. Antonia Novello
Our projected Hispanic population by the year 2050 will be 132 million – an equivalent of 30% of the US population; almost 1 in 3. In spite of these numbers, we still are not "at par" in either the education or healthcare delivery fields.
We will be addressing the following:
• Why Hispanics are not "at par" in the education and healthcare delivery fields
• Some of the reasons for these disparities
• Some of the cultural issues that are inherent in the Hispanic life that keeps them behind
• Hispanics' healthcare needs and some of the reasons behind their lack of access to the system of care in their communities
In the long run, the combination of Hispanic cultural knowledge, coupled with language, should allow the healthcare delivery providers and planning members to tailor services to the Hispanic community.Topic:In Health and Life: We Hispanics are more than Statistics
|Keynote Luncheon
Topic: TBD
|Plenary Session III
Topic: Entrepreneurs and the Impact of the Digital Health Revolution on the Healthcare Business
Speaker:Hubert Zajicek, MD, MBA
Whether it's through a smartphone, wearable sensor, or whole genome scan, ever larger and more personalized health-information datasets are being created. With the convergence of these technologies in medicine, the delivery of healthcare will improve to the benefit of all healthcare consumers. How will this work? Which roles will different stakeholders, especially entrepreneurs, play?Topic:Entrepreneurs and the Impact of the Digital Health Revolution on the Healthcare Business
Plenary Session IV
|Closing Remarks
Speaker: Manny Gonzalez, NSHMBA CEO
|Networking Reception
|Friday, May 18, 2012
|Day 2: Promoting Healthy Lifestyles within the Hispanic Community
|Breakfast & Welcoming Remarks:
Manny Gonzalez, NSHMBA CEO
|Plenary Session V
Topic: Becoming Dr. Q: My Journey from Migrant Farm Worker to Brain Surgeon
Speaker:Dr. Alfredo Hinojosa-Quinones
Today he is known as Dr. Q, an internationally renowned neurosurgeon and neuroscientist who leads cutting-edge research to cure brain cancer. But not too long ago, he was Freddy, a nineteen-year-old undocumented migrant worker toiling in the tomato fields of central California. Alfredo Quinones-Hinojosa tells his amazing life story--from his impoverished childhood in the tiny village of Palaco, Mexico, to his harrowing border crossing and his transformation from migrant worker to American citizen and gifted student at the University of California at Berkeley and at Harvard Medical School. Packed with adventure and adversity--including a few terrifying brushes with death--"Becoming Dr. Q" is a testament to persistence, hard work, the power of hope and imagination, and the pursuit of excellence. It's also a story about the importance of family, of mentors, and of giving people a chance.Topic:Becoming Dr. Q: My Journey from Migrant Farm Worker to Brain Surgeon
|Plenary Session VI
Topic: Corporate America and Community Collaborating for Solutions
|Plenary Session VII
Topic: Connecting the Dots: How the Business of Healthcare Can Create a More Knowledgeable Consumer
Networking Luncheon
Closing Remarks


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Hotel Del Mare, Fiumicino
- Free breakfast and free WiFi in lobby
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- 18 guestrooms
- Private beach
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- Room service
- Beach sun loungers
- Airport shuttle
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- Satellite TV service
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- Gelateria Naturale Polo Nord (0.3 mi / 0.5 km)
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- Mediterraneo Beach (0.8 mi / 1.2 km)
- Teatro Traiano (1.2 mi / 1.9 km)
Hotel Del Mare, Fiumicino
Hotel Info: 866-539-8117from $63
- Standard Twin Room, 2 Single Beds (No Balcony)
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At a glance
Key facts
Hotel size
- This hotel has 18 rooms
- This hotel is arranged over 1 floor
- Check-in time 1 PM-11 AM
- Check-out time is 11 AM
- Express check-in/out
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- Pets allowed
- Restrictions apply *
- Free WiFi in public areas
- Airport shuttle (available on request) *
- No parking
- Free nearby parking
Nearby Three Star Fiumicino hotels
In the hotel
- Free breakfast daily
- Coffee shop/café
- Room service (during limited hours)
- Beach sun loungers
- 24-hour front desk
- Number of buildings/towers - 1
- Year Built 2009
- Elevator/lift
- Rooftop terrace
- Accessible bathroom
In the room
- In-room climate control (air conditioning)
- Air conditioning
- Minibar
- Hypo-allergenic bedding available
- Frette Italian sheets
- Private bathroom
- Shower only
- Satellite TV channels
- In-room safe
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Also popular with travelers from the USA
Hotel Del Mare, Fiumicino's small print
Also known as
- Del Mare Fiumicino
- Hotel Del Mare
- Hotel Del Mare Fiumicino
- Hotel Del Mare Rome/Fiumicino
All guests, including children, must be present at check-in and show their government-issued photo ID card or passport.
Cash transactions at this property cannot exceed EUR 2999.99, due to national regulations. For further details, please contact the property using information in the booking confirmation.
Pet-friendly rooms can be requested by contacting the property at the number on the booking confirmation.
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
- A tax is imposed by the city: EUR 2 per person, per night, up to 10 nights. This tax does not apply to children under 10 years of age.
Optional extras
Airport shuttle service is offered for an extra charge
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.
Recent reviews
Good 3.9 /5 from 116 reviews
Great location, many places to eat, room was nice and they included breakfast in your price. They do not have shuttle service and I arrive at FCO on Sunday after a cruise and it cost 30 Euro to get there and 23 Euro to get back to the airport.
This is an interesting beach front hotel that is convenient to the airport and staffed by good people.
Good location for coming and going from Rome airport. Room was a little dated, and aircondition should have been replaced as it hardly cooled. Roof terrace is wonderful and nice beach right outside. Quiet place to sleep.
This was a great room in a quiet beach front area. The views were amazing and it was close to lots of great restaurants.
Staff was very nice and helpful. There are bikes available at the hotel we didn't know about or have time to use, but liked it. Water pressure in the shower was great! Room large by European standards, and even had an elevator! Breakfast was fantastic! I think there was a sewer line leak - our room smelled, but it seemed to be the whole floor, so we figured complaining wouldn't do any good. We opened the window and let in all the mosquitoes instead.
Is the description of this hotel not correct? Tell us


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Is God Really in Control? Part 2
In this message Pete Briscoe takes us to Daniel 2 for a lesson on how to respond in faith even when we don't understand our circumstance or have any idea on how God is working behind the scenes.
This is the 3rd message in the 17-message series Living in Exile: God Working Behind the Scenes.
Daniel 2:1-23
The Best of 2016 is a collection of Pete, Stuart, and Jill's most requested messages of the year. You'll hear about real-life issues – and how you can experience real Life in Christ no matter what you're going through. May this powerful CD set bless you into the new year!


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As we continue to refine our Team Alpha portfolio, we seek to strengthen the core stock assortment with a few more large cap, brand name, dividend winning companies. Right now we have a well balanced portfolio, well diversified across most major sectors.
Our portfolio now consists of; Exxon Mobil (NYSE:XOM), Johnson & Johnson (NYSE:JNJ), AT&T (NYSE:T), General Electric (NYSE:GE), Annaly Capital (NYSE:NLY), Southern Company (NYSE:SO), Procter & Gamble (NYSE:PG), Intel (NASDAQ:INTC), Realty Income (NYSE:O), Coca-Cola (NYSE:KO), Bank of America (NYSE:BAC), American Capital Agency (NASDAQ:AGNC), Intel Wal-Mart (NYSE:WMT), Cisco (NASDAQ:CSCO), and 3M Company (NYSE:MMM).
Our focus today is on Bristol-Myers Squibb (NYSE:BMY), to add another pharmaceutical company stock. This sector is one sector that will continue to grow with each passing year, as our quest for life quality continues to wend its way through just about every and any potential treatment or cure for the debilitating afflictions that humans face.
The goal for enhancing our lives through medical breakthroughs and research is one that as an investor we can continually count on for long term growth, safety and stability. Even in the face of the inevitable setbacks that this industry faces.
With every set back, there is an advancement. Sort of like 1 step back, 2 steps forward. We hate that step back, but when those 2 giant steps forward occur, amazing things can happen.
Bristol-Myers Squibb Offers Retirees The 3 Ss We Seek
As with another big pharma favorite, Johnson & Johnson, BMY gives us the reliability as well as the potential for ongoing dividend growth and capital appreciation.
- Stability
- Safety
- Strength
BMY has not been one of those 25 year "dividend champions," but as we can see the dividends have been stable for more than 10 years and in the last 3 years they have been increased by about 20% (from $.28/share to $.34/share, per quarter).
Right now the current yield stands at 4.25%.
In this chart we can see how the share price has been relatively stable, yet as the share price increased, as did the size and value of the company, the dividends were increased along with it.
When shareholder value is recognized as a priority alongside company growth, investors can feel more comfortable that we can share in the company's success. BMY has a solid payout ratio of about 60% which says to me they can continue to support the current dividend, and even have room for further increases as the company grows.
This chart shows how revenues have fluctuated yet overall have been maintained. As drugs complete their patent cycle revenues will tend to drop, but with new drugs approved for sale are patented and released into the market, a new wave of revenues begin to show up on the top and bottom lines.
Having a strong pipeline of drugs of all phases of trial is a hallmark of a strong pharmaceutical company. Bristol-Myers has stood the test of time in its very long and elite history in this department.
Some Fast Facts
Recently, TheStreet.com rated BMY as a buy citing a variety of positives that I completely agree with:
"The company has a P/E ratio of 15.3, equal to the average drugs industry P/E ratio and below the S&P 500 P/E ratio of 17.7. Shares are down 9.7% year to date as of the close of trading on Thursday. Currently there are seven analysts that rate Bristol-Myers Squibb Company a buy, two analysts rate it a sell, and 11 rate it a hold.
TheStreet Ratings rates Bristol-Myers Squibb Company as a buy. The company's strengths can be seen in multiple areas, such as its reasonable valuation levels, good cash flow from operations, increase in stock price during the past year, largely solid financial position with reasonable debt levels by most measures and notable return on equity. We feel these strengths outweigh the fact that the company has had sub par growth in net income."
Given the fact that this $53 billion company also has a ridiculously low beta of .22, the volatility of the stock is greatly limited. For income seeking retirees, that spells STABILITY.
Since the drug pipeline is the "lifeblood" of any pharmaceutical company I would be remiss not to mention some of the more recent developments that have offered us a buying opportunity at the current share price.
As noted in this Barron's article;
Bank of America/Merrill Lynch analyst Gregg Gilbert is bullish on the major pharmaceutical companies, but he sees more opportunity in some than others.
"Bristol Myers Squibb (BMY) halted testing of a Hepatitis C pill earlier this month, a setback that has hurt shares. But Gilbert thinks the drop has created an opportunity. He raised his rating to Buy.
"We see BMY as somewhat riskier than our other Buys, as we believe more needs to go right from a pipeline delivery standpoint. But the recent sell-off following the HCV pipeline product setback makes this risk more palatable, in our view."
The company's dividend also makes it attractive, says Gilbert.
"We believe that pipeline setbacks could pressure the stock, but a strong dividend yield should limit downside risk."
The risk/reward here could also translate into some capital appreciation for our portfolio going forward. Adding that to the 4.25% dividend yield, and we have a really strong stock to add to our portfolio.
My Opinion
We will be adding 100 shares to our Team Alpha portfolio, on Monday 8/27. I believe it gives our portfolio some additional strength in a sector that always seems to perform quite well, both defensively and offensively.
Your thoughts?
Disclosure: I am long XOM, JNJ, NLY, O, AGNC, KO, SO, T, GE, INTC, CSCO, MMM, WMT. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.


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Naming Technologies After a Fruit
Telling something about new releases of technology is quite hard. There are times you get out of place in some conversations when you have nothing to say because you do not know anything about it. Though taken seriously, someone might just crack a joke just to divert the conversation when he can't squeeze himself to tell something.
My friend and I were talking about the latest technologies one time. We have talked about new models of computers, ipods, and other electronics. We have shared a lot until, we came to discuss about cellphones and iphones. It just happened that we realize that some of the new releases were named after a fruit. I asked my friend what interests him most and he replied "apple iphones". I said "blackberry". Without noticing, my cousin was standing behind and broke the conversation. With a boastful voice, he said " I like lemon".
More by this Author
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It is a question whether lies are considered good or not. In most situations, telling a lie seems to be one of the dominant factors why strong relationship among people breaks down. It is when love and trust fade until...
Comments 4 comments
Human's are really inventive :)
If only these technologies are edible! - lol
Interesting conversations!
an inviting sensibility...
Interesting observation. I like it.! :) Thanks K.


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Circle Of Willis
When something gets compromised, the Circle of Willis was designed to compensate. :)
Twitter / IMmemorandum: Anatomy of the circle of Willis, ...
Interesting way to remember the Circle of Willis https://ellievsmedicalschool.wordpress.com/2015/01/04/in-which-ellie-gets-desperate-with-her-mnemonic-devices/
Neurology----Major arteries in the head and neck: basilar artery, circle of willis, external carotid arteries, vertebral arteries, common carotid arteries, subclavian arteries, and aorta
El Polígono o Círculo de Willis ¿cómo no se me ocurrió?. Welcome to Circle of Willis.
circle of willis - Google Search
Circle of Willis - Brain Dissection
Anatomia immediata - Head and Neck - Navi - Arterie - Circolo di Willis
Circle of Willis en.svg …
Ultrasound technician as a career move is a very sound choice.


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Swarovski Elements Leaf Necklace£10 instead of £49.99 (from Simply Jewellery) for a leaf necklace with Swarovski Elements - save 80%
Save 80%
Time left to purchase
- Get a chunky leaf statement necklace.
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- Perfect gift idea.
- Look fantastic this spring!
The Fine Print
- May buy multiples.
- Voucher valid until 4th Apr 2014.
- Postage costs an additional £2.99 per item.
- Please allow up to 10 working days for delivery after redeeming.
- Subject to availability.
Full Details
They often say a leaf doesn't fall far from the tree - well, we want to know what branch this leafy stunner came from because it's treemendous!
We're offering you a leaf necklace with Swarovski Elements for just £10, saving you 80% off Simply Jewellery's price of £49.99 (correct as 17.3.14).
With today's deal, you'll get a chunky leaf statement necklace that features sparkling Swarovski Elements crystals. With a gold and white finish, this necklace won't fail to impress. Smart and elegant, this leafy bling will look great at any formal occasion - we think it's time to branch out and adorn yourself in the spirit of spring!
How to Redeem
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Once purchased, you can redeem this wowcher towards another wowcher or claim a Wowcher Wallet Credit. Click here for more info.
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Don't be fooled by their size; when you use your imagination these cars can drive as fast as a rocket and take you anywhere in the world. The White Wooden Race Car can zip across carpets and grass without a care. Wooden wheels with rubber tyres finish off this wonderful toy in style and are designed to keep this car moving no matter how many miles it needs to cover.
Blue rims with grey highlighting, classic grille and the blue and white chequered paint job with number '36' artwork are sure to ensure your little ones stay in the lead for cool toys!
This Wooden Race Car has been created by a talented and enthusiastic team for whom nothing is too much trouble in the quest to fuel a child's imagination. With extensive testing to guarantee safety (and fun) standards are met, we hope to provide a platform for learning from which children can dare to dream.
Depth: 7.5" | Height: 3.1" | Width: 3.1"
- Ages 1 and over
- Weight: 0.400kg


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Week in review
LAST WEEK: Friday (W 4-3 Chicago), Saturday (W 3-2 SO at Chicago)
STANDINGS: Tied for 3rd in the Midwest (3 pts out of last playoff spot)
PLAYER OF THE WEEK: Matt Halischuk. Here from Nashville for a conditioning assignment, Halischuk scored twice to give Milwaukee a 3-2 lead in the final period on Friday. He had an assist Saturday and also scored in the shootout. Unfortunately for the Admirals' Halischuk already returned to Nashville.
HIT OF THE WEEK: Compliments of Kevin Henderson on Friday
TWEET OF THE WEEK: "Congrats to @VicBartley8 on NHL debut. Big part of him getting there must be his pre game naps." - Taylor Beck (who also shows a picture of Bartley napping).
THIS WEEK: Wednesday (vs. Peoria), Saturday (vs. Grand Rapids)
- Admirals set date for first home game
- Admirals season comes to end
- Admirals try to save season tonight
- Griffins 2, Admirals 1: Milwaukee may have played final game at the Bradley Center
- Notebook: Game 2 tonight; Milwaukee trails 1-0
- Griffins 3, Admirals 1: Milwaukee drops Game 1 of playoffs
- Griffins at Admirals: Game 1 of playoffs tonight
- Admirals end season much better than last year
- Admirals' first-round opponent is Grand Rapids
- Condors 5, Admirals 2: Bakersfield crashes the party


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If you've never heard of the term "Worm Farming" then it may seem like a silly, eccentric hobby created to study the natural habits of worms.
Well that may be true to some degree, but the truth, meaning, and reason behind this quirky little phrase may be one of the greatest, yet simplest technological awakenings to hit the agricultural industry since the invention of the world's most "successful failure"...synthetic fertilizers.
What Worm Power Can Do For A Garden...
No matter what gardening method you use, the fact is, you WILL need worm castings (worm poop) in order to give plants the proper food they were created to feed on.
Worm castings are as natural to plants as breast milk to a new born baby.
This is one of the reasons why worms are found moving in and out of the root systems of plants. They deposit the rich, microbial fertilizer that plants depend on for optimal health.
Strong healthy plants start with a good foundation and the best natural method to building that good foundation is with worm castings and worm tea.
I grow abundant and tasty food without pesticides, herbicides, or chemical fertilizers. I've returned to the founding principles of successful gardening.
You too can improve the quality of your plants naturally by recycling your kitchen scraps. Simply feed it to the worms.
How Do You Want to Start?
Click the pictures or go to All Products.
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WOW! You Did It!
You finally found a website that separates the
Your due diligence has paid off. Now you're ready to get down to the nuts and bolts of what truly works rather than get suckered into false claims for profit.
Every picture
you see is from my garden and all thanks to worms and understanding
nature's design. This is what I do, not just say.
Again, Congratulations and Welcome :) ~Pauly
Oct 10, 16 11:18 AM
I have a small business growing tomato, pepper, and vegetable starts for farmers and local folks each spring. Because I use only organic products and
Aug 24, 16 10:38 AM
I have 8 months time and obviously no experience with worms ( other than for fishing). Now I want to make worm poop for me, family, and friends. I have
Aug 17, 16 07:01 PM
I started taking DE on May 12, 2016. Today is August 12, 2016. About a day or two after I began, I noticed enough difference in my joints to keep on
Aug 11, 16 09:44 PM
These are my garden pics 2016. They are worm castings results from the application of aerated worm tea and castings in my garden plants.
Aug 11, 16 09:40 PM
These are my garden pics. They are worm castings results from the application of aerated worm tea and using castings in my garden plants.
Aug 07, 16 10:32 PM
Well, I have been a worm rancher for 10 yrs, at least. I don't sell my worms but have given away tray fulls to family and friends that want to start a
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>> Map LocationPrint this page
Seble Hotel Deluxe
Trimbak Road, Nashik, Maharashtra - 422 010
Starting from Rs. 1,067
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Seble Hotel Deluxe, Nashik - Location on Map
Seble Hotel Deluxe, nashik
Starting from
Rs. 1,067
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Seble Hotel Deluxe, Nashik - Overview
Situated at a distance of 11 km from Nasik Railway Station. Seble Hotel Deluxe features a garden within its premises. This hotel in Nashik has comfortable rooms. Some of the in-room amenities include comfortable bed, reading lamp, desk and an attached bathroom with hot and cold water facility.
Guests can dine-in at the nearby restaurant. Seble Hotel Deluxe has a business centre within its premises. The famous attractions include Pandavlena Caves (7 km), Muktidham (10 km) and Sula Vineyard (12 km). Nasik Railway Station is 11 km away from this property.
Check-in time : From 12:00 pm
Check-out time : Until 12:00 pm
Check-out time : Until 12:00 pm
Check availability for Seble Hotel Deluxe, Nashik
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Seble Hotel Deluxe, Nashik - Rooms & Price
|Room Type
|Deals and Promotions
|Total Price
|Standard Non AC
|Room only
|3 2
|Rs. 1,067
|Choose Dates
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|Deluxe Non AC
|Room only
|3 2
|Rs. 1,514
|Choose Dates
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|Deluxe A/C Room
|Room only
|3 1
|Rs. 2,188
|Choose Dates
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Seble Hotel Deluxe, Nashik - Amenities
- Business center
- Gardens
- Restaurant
- Attached Bathroom
- Desk
- H/C running water
- Reading lamps
- Television-Room


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Lower Pottles Bed & Breakfast Exminster
Lower Pottles Days Pottles Lane , Exminster, United Kingdom Show Map
Check in from 2:00 PM / Check out prior to 11:00 AM
Lower Pottles Bed & Breakfast Exminster: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Exminster, United Kingdom.
Lower Pottles Bed & Breakfast Exminster is perfectly positioned in a peaceful setting in Exminster, just a short car ride from Exeter Cathedral, University of Exeter and Dartmoor.
Hotel description
There are 5 rooms at the bed & breakfast, each providing all the necessities to ensure a comfortable stay.
Lower Pottles Bed & Breakfast Exminster provides breakfast every morning that guests can enjoy before heading out to discover the surrounding region.
Exeter International Airport is a 20-minute drive from the bed & breakfast. Exeter and Exmouth are also a brief car ride from the property.
Hotel features
Golf Course
Availability and Prices
Booking Site
Room Type
Per room
Per night
Per night
Users who viewed Lower Pottles Bed & Breakfast Exminster also viewed these 3 stars Exminster hotels:
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Main Road, Exminster
Matford Belvedere Bed and Breakfast Exminster
Deepway Lane, Exminster
Deepway Lane, Exminster
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Nearest hotels
- Matford Belvedere Bed and Breakfast Exminster
0.6 miles
- The Stowey Arms
0.6 miles
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1.2 miles


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Kate & Josh Basics
Posted by themom April 9, 2013
Posted in DAZ | Poser | Carrara, Toons
Tagged Kit
Kate & Josh Basics is a texture expansion for Kit's basic clothing including diaper, t-shirt and booties. Each textured outfit is decorated with original digitally made decorations specifically designed for Kit's base clothing package. All textures and artwork are my original designs and special care was taken to make them look realistic. Your Kit characters will look very cute in these outfits and will certainly bring a smile to everyone who has them in their runtime.
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Author: acoustichearts79
Created: October 7, 2009
Taken: 74 times
Rated: G
random and personal
Survey #1
Survey #1
Questions You've Never Seen ((I CHALLENGE THE BORED))
Questions You've Never Seen ((I CHALLENGE THE BORED))
More Girl Confessions
Are you unique? true or false survey
random questions from a random person (pt 3)
Your Life and Your Health Survey--True or False
this one
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Empleos de Cosmetóloga en San Salvador
…quality training and necessary skills to become one of the following: Cosmetologist Beautician Hairstylist Makeup Artist Nail Technician Esthetician If interested in
…hairstyles and colors. This is an entry level position for a licensed hair stylist/ cosmetologist who is interested in pursuing a career as a wig and hairpiece
…and Top 500 Franchise categories! Position Overview: The role of the Esthetician or Cosmetologist is to fulfill the needs of the clients by performing the best
Job Description Snip-its Cosmetologist are outgoing, friendly, reliable, team players with a positive attitude and a love for working with children. Snip-its Hair
…Best Spa in Vermont Team! Topnotch Spa is currently hiring a part-time Cosmetologist to provide essential services to our guests. These services include: nails
…& Spa is looking for the right individual for the position of Cosmetologist /Nail Technician. Full and part time positions are available. Ideal candidate has prior
Here we GROW again, we are looking for a seasoned cosmetologist to help our residents and employees keep up with today's flare and yesterday's style. This position
Cosmetologist for Mirror & Mirror Hair Studio in Fullerton, CA. Meet with customers to understand their needs, and make suggestions regarding hair style, makeup,
A Cosmetologist is responsible for providing professional hair care, skin care, nail services and treatments to guests in the hotel's continuing effort to deliver


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Your Price: $1099.00
$934.15 SaleYou Save: $164.85 ( 15.00% )
Charming pendant with 31 sparkling diamonds in 14K white gold. Includes an 18 in. box chain.
LOVE is an unconditional bond that transcends both distance and time. It is look, a touch or a shared moment with those people who are most important in your life. HONOR is a wonderful and precious way to live life. To live your life with honor means to take pride in everything you do, to show friends and family that they can always count on you, to never waver in your conviction during good times or in the face of adversity. CHERISH is to hold someone dear to your heart. They bring you immense joy and you treasure each and every moment with them. Cynergy will donate a portion of each Love Honor Cherish sale to the Wounded Warrior Project.
Info & Guides
FREE SHIPPING on all orders purchased with your Military Star Card or orders totaling $49 or more. Non-Military Star Card purchases valued less than $49 will incur a $4.95 shipping fee. Shipping/handling fees may be applied to oversized items.Delivery is restricted to locations within the continental U.S.,(excludes Alaska, Hawaii or Puerto Rico). Order must include recipient's street address (no P.O. Box or General Delivery address) and daytime phone number.