text:
Phoenician Artifacts Recovered Off Coast of Malta
Monday, August 25, 2014
VALLETTA, MALTA—Scientists from the French National Research Agency and Texas A&M University are part of a team that has recovered 20 Phoenician grinding stones and 50 amphorae about one mile off the coast of Malta's Gozo Island. Timothy Gambin of the University of Malta told the Associated Press that the ship was probably traveling between Sicily and Malta when it sank ca. 700 B.C. The team will continue to look for other artifacts and parts of the vessel, which sits at a depth of almost 400 feet and is one of the oldest shipwrecks to be discovered in the central Mediterranean. To read about a Phoenician shipwreck excavated off the coast of Spain, see ARCHAEOLOGY's online exclusive "History's 10 Greatest Wrecks."
Maya victory monument, Neanderthal cannibals, Paleolithic smorgasbord, King Tut's meteor dagger, and Melanesian tattooing
A Cambridge don's magic shoe


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This property allows you to book online with a credit card. After submitting a reservation request, the owner or manager has 24 hours to accept, at which time your card will be charged and you will receive an email confirmation
3 BR 3 BA Sleeps 8$203 avg/night2-3 night min stay
3 BR 3 BA Sleeps 8$302 avg/night2-5 night min stay
3 BR 3 BA Sleeps 8$262 avg/night3-5 night min stay
3 BR 3 BA Sleeps 12$409 avg/night2-7 night min stay
4 BR 3 BA Sleeps 10$181 avg/night2-5 night min stay
3 BR 3 BA Sleeps 10$173 avg/night2-5 night min stay
3 BR 3 BA Sleeps 10$351 avg/night2-5 night min stay
3 BR 3 BA Sleeps 10$391 avg/night1-4 night min stay
3 BR 3 BA Sleeps 8$173 avg/night2-5 night min stay
2 BR 2 BA Sleeps 6$289 avg/night4 night min stay
3 BR 3 BA Sleeps 8$321 avg/night2-6 night min stay
3 BR 3 BA Sleeps 8$430 avg/night2 night min stay
Breckenridge Mtn. Village #132#3186258ha3 BR 3 BA Sleeps 8$380 avg/night2-5 night min stay
5 BR 5.5 BA Sleeps 12$929 avg/night2-7 night min stay
3 BR 3 BA Sleeps 9$391 avg/night3-4 night min stay
Recent Breckenridge Mountain Village reviews
"I have absolutely nothing bad to say about our experience. Everything about the condo is top notch. The place is very nicely appointed and super clean. The owner was incredibly helpful and supplied us with a great deal of information about the condo and the area before we even left for our trip. He checked in while we were there to make sure all was well. I would definitely stay here again and highly recommend it!!! Five Star rating without a doubt! TB - Thanks for sharing your home with us and all your kind help. It is greatly appreciated!"Guest: Daniel B. Date of Stay: August 2016 Review Submitted: August 15, 2016View listing
"Booked this property based on the 18 previous reviews. They were all spot on! This location met all our needs. The house is spacious, modern, clean and close to downtown. The ski shuttle picks you up close and drops you off quickly (5-10 minute ride depending which peak you want to ski). So simple that my kids (ages 15,13,11) felt comfortable doing it by themselves. They loved the "clean" hot tub with a view. The owner, Don, was a pleasure to work with and was very timely in his responses. First time here….Love Breckenridge! We plan on returning. Highly recommend this property!!!"Guest: David T. Date of Stay: March 2016 Review Submitted: March 29, 2016View listing
"House had a wonderful view. Very close to Main St. Absolutely no complaints."Guest: Samantha F. Date of Stay: November 2016 Review Submitted: November 7, 2016View listing
"We rented the house for successive winters. It is so conveniently located, well furnished and equipped that we kept returning year by year. It is professionally managed and any and every small issue was dealt with immediately. The owners kept adding improvements each year and nothing seemed too much for them. The neighbourhood is one of the friendliest in Breckenridge."Guest: Bradley S. Date of Stay: February 2016 Review Submitted: February 13, 2016View listing
Featured Destinations: Breckenridge Lodging, Lake Nacimiento, Smoky Mountain Cabin Rentals, Black Butte Ranch

subset: commoncrawl


text:
Thread: Logo Request
05-29-2005, 06:58 PM #1Junior Guru Wannabe
- Join Date
- Mar 2002
- Location
- Denver, CO
- Posts
- 70
Logo Request
I am in need for a logo design for a hosting company. Our primary focus is Colorado, Idaho, Montana, Utah, and Wyoming. We are looking for something that fits the theme of the Old West, Rocky Mountains, Montana's big blue sky, etc
We are looking for a solid logo that looks great on a web page and on a letterhead. We want more of a corporate look then a cartoon look. That doesnt mean it cant be fun looking.
We really havent narrowed down a set color scheme.
Please PM for more information, your portfolio, and your general cost.
05-29-2005, 07:31 PM #2New Member
- Join Date
- May 2005
- Posts
- 0
Do you have aol, yahoo or icq messenger so we could speak? If yes please send it to my email: [email protected]. I guess I can do this work for you.
Thank you,


text:
Townhouse for Sale in Akoya
Reference #: SF-S-20120
Piccadilly Green – Akoya Damac
Townhouse for sale in Dubai
Piccadilly Green is another name of the project under the Akoya Development which is named after the Akoya Pearl that has a total of 28 million square feet village of elegant residential properties with spacious lay out designs, acres of landwith, leisure facilities, and a world class Trump International Golf Club. Burj Khalifa was designed to be the centerpiece of a large-scale, mixed-use development that would include 30,000 homes, nine hotels including The Address Downtown Dubai, 3 hectares 7.4 acres of parkland, at least 19 residential towers, the Dubai Mall, and the 12-hectare 30-acre man-made Burj Khalifa Lake.
- 3 Bedroom Townhouse
- Type TH-K
- Plot area 3561.44 sq.ft
- Built up area 2723 sq.ft
- Fully furnished
- Vacant
RERA STR No.:1021/36399/16/03/049
For more info please call: DORIS
or visit our website at www.spfrealty.com
Company name: SPF Realty
Address: Al Shafar Investment Building, SZR, Dubai
Office phone no: +971 4 3396 222
Office fax no: +971 4 3396122
Mobile no.: +971 50 159 7171
Primary email: firstname.lastname@example.com


text:
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text:
New to Printing - What is the best 100% Cotton Paper for printing Color Landscape Photos
Hi... Thanks for replying. I am planning on doing 11x14 Canvas wrap around 1.5 wood frame. . . I am not sure yet about doing a floating frame.
So when you recommend based on the colors, the glossy or pearl output, do you mean that for the stretched canvas or is that for cotton paper prints?
I'm a little confused as to cost, are you guys saying that doing a stretched canvas, gallery mounted (like on 1.5 wood mount) is the cheapest option? Or when its gallery mounted, is it not stretched?
I'm leaning towards canvas, especially if indeed that is cheaper than all that is necessary for the cotton paper... but im still just a little confused, because it is suggested that canvas is an expensive option but also suggested that its cheaper than all thats required of paper...
If I do go with an 11x14 canvas on 1.5 wood mount, what would the cheapest options be, or what is the average cost?
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|Valley by the light of a blue moon by cjf2
from Down in the Valley
|Lake Erie Stone Pier by yobbyt
from Dock or Pier


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Chapman pay04 Apr 2010
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BG chief executive in £28m payday
BG chief executive Frank Chapman has received one of the most handsome compensation packages for a FTSE 100 executive for 2009, earning £28m (€31.5m) in cash, shares and pension contributions.
The payout comprises a £1.1m base salary, a cash bonus of £1.6m, a £4.6m pension top-up, shares worth £5.2m and £15.5m from exercised share options.


text:
Michael was awesome, we had a so called experiences tiler do some tiling for a renovation and he absolutely butchered my splash back. Called new urban plus and Michael came out that same afternoon to have a look. He did an amazing job he took his time an is a real perfectionist..
We were working with Lou Macolino (Macolino DS) on our ground floor extension and found his service very useful and efficient. He gave us very good ideas how to improve a design of the extension and to minimize costs prior to lodging a DA in the council. I would highly reco..
Get your job done right
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Bath/shower/toilet installation, Tiling, Waterproofing
No (not needed)
Looking to have a bathtub placed into a a space where a Roman bath is in my very small family bathroom. Taps would need moving and drain to, probably to line up with tubs plug hole and some tiles w...Make a similar request


text:
Vishwatma is a 1992 Indian action thriller film directed by Rajiv Rai. This film marked the Hindi film debut of late actress Divya Bharti and Jyotsna Singh who did not appear in any other films after this. The film was a box office success. The music of the film was very successful especially the song "Saat Samundar" which became a favorite and gave Divya Bharti the limelight into Bollywood.... more on Wikipedia
Vishwatma is ranked on...
List of the best Dalip Tahil movies, ranked best to worst with movie trailers when available. Dalip Tahil's highest grossing movies have received a lot of accolades over the years, earning millions upon millions around the world. The order of these top Dalip Tahil movies is decided by how many votes they receive, so only highly rated Dalip Tahil movies will ...
List of all movies directed by Rajiv Rai ranked from best to worst with photos. Films directed by Rajiv Rai are listed here and include movie posters and Rajiv Rai movie trailers whenever possible. This is a collection of the best movies directed by Rajiv Rai as voted on by film buffs. If you think the greatest Rajiv Rai movie isn't as high as it should be o...
Vishwatma videos
Vishwatma Launch !
Toofan - Vishwatma (1992) - HD DVD
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07-30-2002, 09:59 PM #1Disabled
- Join Date
- Jul 2002
- Posts
- 10
win2k server with software (save thousands of dollars) 1 time deal!!
I have a server with port80comm.com and am very happy with it. But I decided to 'sell' it ( financial reason). So if you want to take it over...keep reading
The server comes with the following software/features:
-Custom Error Pages
-Full CGI- Bin (ActivePerl)
-unlimited Sub-Domains
-Custom MIME Types
-Data Source Names (DSN)
-Personal Nameservers
-smtp mail server for every client
-Catch-all E- mail
-Personal SMTP Server
-unlimited POP3 Accounts
-Mailing Lists
-Microsoft FrontPage 2002 Server Extensions support
-Raw Access Logs
-(Real-time) Usage Stats
-(Real-time) Bandwidth Monitor
-Referrer Logs
- ColdFusion 5 Server Professional ( you don't have to buy the license! save ~$800 )
-Perl/CGI (ActivePerl)
-DSN-less Connections
- Microsoft SQL Server 2000 ( you don't have to buy the license! save ~$800 )
- Microsoft Access/Word/Excel ( you don't have to buy the license! save ~$400 )
- Win 2000 server is also (obviously) installed ( you don't have to buy the license! save ~$999 ) Click here for price.
-anything you want to install!!
Hardware specs:
PIII 1GHz
100GB EIDE drive
512MB Ram
server comes with 300GB multihomed bandwidth, 'unlimited' IP's (just need to call or email port80comm and ask them to add IP's) and 2hrs of tech support every month.
Again, if you need a win 2000 server with coldfusion 5, MS access/word/excel and MS SQL server 2000 then this is a perfect opportunity for you since you don't have to invest and buy all the software.
Go here for comparable servers and prices.
it costs $350/month. I hope to get a little money to cover the set up fee.
again, you will be taking over the server from port80comm. I am not making any profit.
07-30-2002, 10:30 PM #2Web Hosting Master
- Join Date
- May 2001
- Posts
- 1,593
Did those software (Office, SQL server, etc...) came with the server or did you install them yourself?
07-30-2002, 10:33 PM #3Disabled
- Join Date
- Jul 2002
- Posts
- 10
somebody bought the licenses and didn't want them anymore. So port80comm owns them (now)..
I didn't install anything.
08-05-2002, 11:34 PM #4Disabled
- Join Date
- Jul 2002
- Posts
- 10
last chance..I will call them tomorrow and cancel the server.


text:
The amazing Scottish countryside is one of the things (next to my children of course!) I hold most dear. I can spend hours walking around stunning Lochs, take a million pictures and every now and then I simply just stand still, close my eyes and listen. The wind, the fresh air, the sound. That's my happy place and it likely always will be.
As such, the time spent outdoors greatly influences my work and Lochside is one of those that, in my mind, mirrors some of the gorgeous shapes, colours and reflections to be found at this time of year.
There is a lot of underlying texture to this piece which makes it appear grainy in places. I have used multiple different materials to achieve this, some of which are sand, cement, pigments, glue, solder and spray paint. The main paints used are acrylic, ink and oil pastels.
It is difficult to describe art, even more so when, really, I don't want it to sell particularly quickly. I'm rather happy to have it on my wall for now. Alas, the spot it is in seems to be destined for a quick despatch.
However. I can tell you, that this piece, in a house full of art, is the one that grabs my attention every single time I walk past it. And that, that means something.
If you love it, please buy it. I am sure it will bring you a lot of joy.
Mixed for texture, colour elements mainly acrylic, ink, Pigment and oil pastels
Mixed Media painting by Claudia Watt
Mixed Media paintingby Claudia Watt
Mixed Media paintingby Claudia Watt
Acrylic paintingby Claudia Watt
Mixed Media paintingby Claudia Watt


text:
Oaty Chocolate Chip Cookies
Total Time
Prep 10 mins
Cook 30 mins
Great to make with the kids. The sweetness is balanced out by the oats and they keep them satisfied longer than traditional cookies.
Ingredients Nutrition
- 175 g plain flour
- 15 g baking powder
- 55 g rolled oats
- 115 g butter
- 115 g sugar
- 25 g golden syrup or 25 g corn syrup
- 55 g chocolate chips
- Preheat oven to 180 degC/350 degF.
- Sift flour and baking powder together. add oats and rub in butter until mix resembles breadcrumbs.
- Add sugar, syrup and choc chips until it forms a stiff dough.
- Roll on a floured surface and cut out rounds or roll into a 9cm diameter sausage and slice into eight for chewy cookies.
- Bake on a parchment covered tray for 20 - 30 minutes.
Most Helpful
my kids loved this, and it was suprisingly easy to make.


text:
Laus störf
Senior PHP programmer
Employer: Capia AS
Address: Pb 109, N-9252 Tromsø, Norway
Phone: (+47) 77 29 95 75
E-mail: email@example.com
Website: www.capia.no
Contact Person: Dag Eivind Opstad
Work Place: Capia AS / Tromsø, Norway
CAPIA AS is a research and development company based in Tromsø, Norway. The company develops modules to analyze commodity markets. We have an ambition to be the leader within this specialized area. The company works closely with major research institutes both in Norway and the USA.
Information about the position:
The work assignment will be in the areas of dynamic web- development, systems, design and development of statistic related net-services. We are seeking programmers who are capable of development assignments.
CAPIA offers:
We are interested in finding and we offer serious and long term collaboration. The work environment is very exciting and innovative. We provide excellent working conditions, flexibility and personal growth. The company has employees and owners with high competence in this environment that offer leadership/mentoring and solid professional leading and development. A multinational environment with English as the working language.
Please check out Capia.no for more information.
The following qualifications are required:
• Strong object oriented PHP programming experience
• Extensive HTML/CSS/Javascript knowledge
Candidates with experience and knowledge from several of the following areas will be given preference:
• Design Patterns
• ZendFramework or other MVC framework
• Web-services
• jQuery
• MySQL
• Versioning systems like: SVN, GIT
• Unit testing experience
• Linux system administration and security
• Linux developing environment
Capia can help with housing
Regular hours 0800 – 1600 (Mon-Fri)
Please send us your CV and a letter of intent detailing your future plans
Start date: As soon as possible
For more information contact Dag Eivind Opstad (firstname.lastname@example.com) (+47) 90 85 29 01
Fréttir og tilkynningar
26. Janúar 2016
Kynning á tækifærum og styrkjum í Evrópusamstarfi
Kynning á tækifærum og styrkjum í Evrópusamstarfi, fimmtudaginn 28. janúar 2016.
7. Maí 2015
Ertu að flytja til Noregs, Danmerkur eða Svíþjóðar ?
Norræna félagið í samstarfi við Halló Norðurlönd og EURES - evrópska vinnumiðlun standa fyrir upplýsingafundum um flutning til Noregs, Svíþjóðar og Danmerkur.


text:
Every workplace has at least one of these – an employee that seems perpetually angry. These employees eat up time and management energy, distract from the work at hand and can erode morale over time as their message spreads to co-workers.
There are generally four categories of 'angry employee' – the genuinely aggrieved; the cultural misfit, the professional agitator; and the personally upset. Identifying what type is the first step towards being able to effectively deal with the issue.
Workplaces are complex systems with politics, people, structures, policies and processes that can generate a genuine conflict or complaint. Responding to the issue quickly and professionally will mean there is less chance of the issue manifesting and festering. This may be as simple as allowing the employee an opportunity to let off steam and provide feedback on the issue.
It may mean directing the employee to a more structured complaint and grievance process. Or it may mean intervening in the conflict either informally through an internal meeting or through a more structured mediation process.
Taking the issue seriously and responding in an appropriate manner is the key to successful resolution.
Then there are those employees who are simply angry – not at a specific issue or policy or person – but at everything and everyone in the company. These employees can make life miserable for those around them as they continually whinge and complain. It doesn't seem to matter what the company does (or doesn't do) – these employees simply don't fit the culture, and over time become more and more destructive. It is here that a well-designed performance appraisal and development system comes into its own.
Being able to have a frank conversation with the employee on a regular basis on how they are finding not just the role they're performing, but also the broader company culture can be invaluable for getting to the bottom of the 'anger'. And being able to have a discussion around values and cultural fit in the context of the individual's performance can put some objectivity around whether there is a good ongoing fit between the employee and the organisation. Increasingly, companies are realising that good performance is not just about achieving objectives, but the manner in which the objectives are achieved.
The professional agitator often has a role that would have traditionally required him or her to be cynical, angry at new changes and uncooperative.
Roles such as shop stewards and health and safety representatives have, in the past, sometimes attracted a personality that is anti-establishment, anti-management and just plain angry. Times, they are a changing; and fortunately many companies are investing in good relationships with their employees more generally and taking the time to build cooperative and consultative relationships with elected representatives. Genuine, effective and appropriate consultation will build the bridges over time to change these sort of adversarial relationships.
Finally, there is the employee who has issues on the home front and where the workplace is simply a forum to act out aggression and frustration. An accessible Employee Assistance Program - that allows for both manager and self-referral - can provide professional and appropriate support and advice on the situation. Once again, a well-designed performance appraisal and feedback system provides a mechanism for these sorts of conversations.
All of the above situations require managers that are able to hold genuine and appropriate conversations – and to know when to use what approach. Well-drafted processes and systems should support and enable those managers.
Dealing appropriately with an angry employee is truly one situation where a stitch in time can and will save time.
About the author
Tammy Tansley is the principal of Tammy Tansley Consulting, a boutique HR Consultancy specialising in workplace relations, change and organisational design to enable positive workplace change and performance
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text:
Business Development Executive ( 0 - 3 yrs)
Bishnoi Consultancy
RS1,00,000 To 3,00,000Bawal, Gurgaon, Bhiwadi
Business Development Executive for client sourcing, recruitment, client management,
Key Skills : recruitment consultant,business development executive,hr assistant
Job Position in Hr Department - Amc/vo/hr13-y/15; Job Location : Bhiwadi, Rajasthan ( 2 - 6 yrs)
Aim Management Consultants
RS2,00,000 To 4,00,000Bhiwadi
Overall Palnt HR Function
Key Skills : hr executive,hr,hr manager,hr recruiter
Administrative Manager ( 5 - 10 yrs)
TDS Placements and Services Private Limited.
RS6,00,000 To 10,00,000Bhiwadi
1. All the administrative functions in a manufacturing industry 2. Managing various facilities like canteen, pantry, transport management and company housing. 3. To look after safety arrangements, firefighting and emergency preparedness 4. Event...
Key Skills : administrative manager,hr,human resource development executive,hr manager


text:
- Phone: 866-323-CBPP
- Visit Website
Customer Testimonials
Chris Conte is amazing! As a first time home buyer, Chris was patient and knowledgable, walking me through the process every step of the way. Chris is an excellent listener, and knew the type of property that I was looking for. Chris was thoughtful and fun, and I very much enjoyed working with him. Thank you for finding my dream home, Chris!
Our agent, Chris Conte, is the best! Have had bad experiences in the past with self serving agents...Chris was recommended to us and we were so happy to have worked with him. He went above and beyond in my opinion.
The realtor Chris Conte was amazing to work with.. Was always there to answer any questions or to explain anything. And he always kept us up to date on the what was happening with the whole process of buying a home. I would recommend him to any one.
Chris Conte was the best realtor by far. He helped us not only sell our house but all the issues related to buying our new home. He always reached out to us and went above and beyond !!! I give out his name whenever any of my friends ask me for a realtor.
Chris was very knowledgable and was honest when viewing homes.
Agent's are very responsive.
Chris Conte did an excellent job helping us purchase our new home.
Chris was amazing
This was the sale of my father's house after his death. Your agent, Chris Conte, was fabulous and handled this very difficult transaction in a most professional and caring manner.


text:
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September 27, 2012
CAPPY'S WINDOWS, INC., ADRIAN B. TREESEPLAINTIFFv.THE CINCINNATI INSURANCE CO., DEFENDANT
Adrian Treese, the owner of Cappy's Windows in Allentown, Pennsylvania, was the victim of a burglary, which resulted in the loss of inventory and equipment. Treese filed this lawsuit against his insurance company, Cincinnati Insurance Company, alleging that he was improperly denied coverage for his destroyed business personal property. Cappy's Windows has filed a motion for summary judgment in which it contends that the terms of Tresse's policy clearly provide coverage for his business personal property; or, if the terms do not clearly provide him coverage, his reasonable expectations of coverage prevail. Cincinnati has filed a cross motion for summary judgment in which it claims that the terms of the policy clearly provide coverage only for his building, and his reasonable expectations of coverage do not prevail. For the following reasons, I will grant Cincinnati's motion for summary judgment and deny Cappy's Windows' motion for summary judgment.
A. The Vandalism and Burglary at Cappy's Windows
During the weekend of February 19, 2010, Cappy's Windows, Inc., a seller and installer of windows, doors, siding, and awnings, in Allentown, Pennsylvania, was the victim of a burglary. (Treese Dep. 10:22-11:6, 58:9-24.) The company lost inventory and equipment. (Id. at 94:20-95:2.) Adrian Treese is the sole shareholder of Cappy's Windows; he also owns the premises on which Cappy's Windows is located, as well as the property stolen and vandalized during the burglary. (Id. at 133:16-20; Doc. No. 15-3 at 1.)
B. Treese's Insurance Coverage
Lafayette Ambassador Bank required Treese to have insurance on the premises on which Cappy's Windows is located as part of its mortgage on the property. (Treese Dep. 14:5-9, 32:14-16.) His first policy fulfilling this requirement was with Donegal Insurance Company, which provided coverage for "Buildings," with a limit of $316,360, and for "Business Personal Property," with a limit of $126,360. (Doc. No. 14-2 at 1.) As a result of "some disagreements and some payment issues," Donegal discontinued Treese's policy in 2005. (Treese Dep. 32:8-9, 33:3-5.)
After losing his Donegal policy, Treese contacted C.M. Stauffer Insurance Agency to acquire another policy to satisfy the bank. (Id. at 32:8-10.) Without a policy, the bank was planning to provide coverage at a much higher rate. (Id. at 32:14-16.) On April 8, 2005, Bruce Roehrig of C.M. Stauffer Insurance Agency submitted a commercial insurance application to Cincinnati Insurance Company, listing Adrian P. Treese as the applicant and requesting "Building" coverage in the amount of $300,000. (Doc. No. 15-10 at 6.)
Cincinnati issued a policy to Treese providing insurance as requested in the application, which Treese reviewed "[t]o some extent." (Treese Dep. 50:24-51:1.) After this initial Cincinnati policy ended in 2008, C.M. Stauffer submitted a renewal application to Cincinnati on April 7, 2008, requesting "Building" coverage for 2008 to 2011 for $330,000. (Doc. No. 15-10 at 16-18.) The policy was renewed for the period of April 8, 2008, to April 8, 2011. (Doc. No. 15-5 at 2.) On the Commercial Property Coverage Part Declarations page, the "Coverage Provided" lists "Building," with a limit of $330,000. (Doc. No. 15-5 at 16.)
On May 12, 2010, Treese's attorney, Vincent Cavacini, initiated loss claim proceedings on his behalf for the stolen and destroyed items inside the building by sending a letter to Roehrig at C.M. Stauffer Insurance Agency. (Doc. No. 15-10 at 24.) The letter contends that the "losses are covered under a commercial insurance policy issued by your office through Cincinnati Insurance Company, which was issued on April 8, 2008." (Id.) The letter also requests a proof of loss form from Cincinnati to claim a loss of $68,943.08. (Id.) By letter dated June 15, 2010, Cincinnati informed Cavacini that Treese did not purchase insurance for business personal property; thus, there was "no coverage for this loss." (Id.) On August 12, 2010, Cavacini sent a proof of loss form to Cincinnati, claiming losses of $71,063.55 for the stolen tools, damaged inventory, and damaged real estate. (Doc. No. 15-10 at 34-35.) On August 20, 2010, Cincinnati rejected Treese's claim due to a lack of "business personal property coverage applicable to this policy."*fn1 (Doc. No. 15-10 at 42.)
Summary judgment is appropriate when "the movant shows that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law." Fed. R. Civ. P. 56(a). A factual dispute is "material" only if it might affect the outcome of the case. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986). For an issue to be "genuine," a reasonable fact-finder must be able to return a verdict in favor of the non-moving party. Id.
A party moving for summary judgment always bears the initial burden of informing the Court of the basis for its motion and identifying those portions of the record that it believes demonstrate the absence of a genuine issue of material fact. Celotex Corp. v. Catrett, 477 U.S. 317, 322 (1986). A party asserting that a fact cannot be or is genuinely disputed must support the assertion by citing relevant portions of the record, including depositions, documents, affidavits, or declarations, or showing that the materials cited do not establish the absence or presence of a genuine dispute, or showing that an adverse party cannot produce admissible evidence to support the fact. Fed. R. Civ. P. 56(c). Summary judgment is therefore appropriate when the non-moving party fails to rebut the moving party's argument that there is no genuine issue of fact by pointing to evidence that is "sufficient to establish the existence of an element essential to that party's case, and on which that party will bear the burden of proof at trial." Celotex Corp., 477 U.S. at 322; Harter v. GAF Corp., 967 F.2d 846, 852 (3d Cir. 1992).
Under Rule 56, the Court must view the evidence presented on the motion in the light most favorable to the non-moving party. Anderson v. Liberty Lobby, Inc., 477 U.S. at 255. The nonmoving party cannot avert summary judgment with speculation or conclusory allegations, such as those found in the pleadings, but rather, must present clear evidence from which a jury can reasonably find in its favor. Ridgewood Bd. of Educ. v. N.E. for M.E., 172 F.3d 238, 252 (3d Cir. 1999). Finally, in reviewing a motion for summary judgment, the Court does not make credibility determinations and must view facts and inferences in the light most favorable to the party opposing the motion. Siegel Transfer v. Carrier Express, 54 F.3d 1125, 1127 (3d Cir. 1995).
Cincinnati is entitled to summary judgment because (1) Treese's policy terms clearly and unambiguously do not provide coverage for his business personal property and (2) the reasonable expectations doctrine does not apply to Treese's circumstances. In interpreting insurance policies, where the language of the policy is clear and unambiguous, a court must give effect to the plain meaning of that language. The language in Treese's policy is clear: it provides him with coverage only for his building and not for his business personal property. Absent sufficient justification, the reasonable expectations doctrine will not apply where the policy limitations are clear and unambiguous. Here, those justifications are not present. Therefore, no genuine dispute of material fact exists on either of Treese's claims.
A. Treese's Business Personal Property Claim
Treese's Cincinnati insurance policy does not provide coverage for his stolen and vandalized business personal property. The principles governing insurance contract interpretation in Pennsylvania are well established. Standard Venetian Blind Co. v. American Empire Ins. Co., 469 A.2d 563, 566 (Pa. 1983). Contracts are interpreted by the court, not the jury. See, e.g., Gonzalez v. U.S. Steel Corp., 398 A.2d 1378, 1385 (Pa. 1979). The court's goal is to determine the intent of the parties from looking at the language in the written policy. See Mohn v. American Cas. Co. of Reading, 326 A.2d 346, 351 (Pa. 1974). Any ambiguous provisions will be construed against the insurance company as the drafter. See id. But where the language of an insurance policy is clear and unambiguous, a court must "give effect" to the "plain and ordinary meaning" of the language. See Pa. Mfrs.' Ass'n Ins. Co. v. Aetna Cas. & Surety Ins. Co., 233 A.2d 548, 551 (Pa. 1967).
Here, the language of Treese's Cincinnati policy is clear and unambiguous. It provides coverage only for his building. Under SECTION A. COVERAGE, Cincinnati "will pay for direct physical 'loss' to Covered Property at the 'premises' caused by or resulting from any Covered Cause of Loss." Under 1. Covered Property, "Covered Property" is defined as the "types of property for which a Limit of Insurance is shown in the Declarations." On the Commercial Property Coverage Part Declarations page, Treese's only declaration listed is for "Building," with a limit of insurance of $330,000; there is no declaration with a limit of insurance for business personal property.*fn2 The lack of any limit of insurance for business personal property on the declarations page is strong evidence that this level of coverage was not contemplated by the parties.
Treese misinterprets the policy as providing coverage for his business personal property by reading certain provisions in isolation from other critical provisions. He argues that the use of the term "business personal property" in SECTION A. COVERAGE "reasonably communicates" to a policy reader that there is coverage for business personal property. The section he refers to is 1. Covered Property, which lists business personal property, among others, as a type of property that the policy potentially covers. However, before listing business personal property as a type of coverage, the policy clearly states that property will only be covered if there is a limit of insurance for it in the declarations. Again, the only limit of insurance in the declarations is for "Building"-not for business personal property. He further contends that the "nondescript" phrase, "for which a Limit of Insurance is shown in the Declarations," does not limit coverage because it is not "bold and unequivocal." This contention fails because the phrase is the only phrase directly under 1. Covered Property, which is sufficiently bolded and underlined as to call attention to its importance.
Treese also wrongly claims that he has business personal property coverage under the CinciPlus Endorsement. In support of this position, he references the following portion of the Commercial Property Coverage Part Declarations page:
(Doc. No. 15-5 at 16.)
According to Treese, because the Commercial Property Coverage Part Declarations page lists Forms FA250 04/06 andFA4053 04/06, which are the CinciPlus Endorsement and the CinciPlus Endorsement Summary of Coverage Limits, as "form[s] and/or endorsement[s] applicable to this coverage part," then the $150,000 blanket coverage limit listed in the CinciPlus Endorsement is the applicable limit of insurance referred to in SECTION A. COVERAGE under 1. Covered Property.*fn3
Simply put, Treese claims his business personal property is covered under the CinciPlus Endorsement with a limit of insurance of $150,000.
Treese argues that this $150,000 blanket coverage limit provides him coverage under P. Personal Property of Others of the CinciPlus Endorsement. Treese misinterprets the CinciPlus Endorsement by reading certain provisions in isolation from other critical provisions. The CinciPlus Endorsement qualifies the $150,000 blanket coverage as being "[a]pplicable only to those coverages subject to the Blanket Coverage Limit, as indicated in this Endorsement." In "this Endorsement," P. Personal Property of Others states that the $150,000 coverage extension applies only "[i]n the event that the limit of insurance in the Declarations for Business Personal Property is insufficient to fully insure a covered 'loss' to both your Covered Property and that which would specifically be the subject of SECTION A. COVERAGE, 1. Covered Property, d. Business Personal Property." In other words, there must be a limit of insurance for business personal property listed in the declarations in order for P. Personal Property of Others of the CinciPlus Endorsement to apply.*fn4 Here, again, the Commercial Property Coverage Part Declarations page does not list a limit of insurance for business personal property. Therefore, a plain reading of the whole CinciPlus Endorsement leads to the conclusion that the $150,000 blanket coverage does not apply to Treese's business personal property. Accordingly, Cincinnati's motion for summary judgment is granted on Count I for declaratory judgment and Count III for breach of contract.
B. Treese's Reasonable Expectations of Coverage
Treese claims that his reasonable expectations of coverage were not
met. This is not a basis for relief in this case.*fn5
Pennsylvania case law indicates
that the "proper focus for determining issues of insurance coverage is
the reasonable expectations of the insured." Reliance Ins. Co. v.
Moessner, 121 F.3d 895, 903 (3d Cir. 1997). Usually, the insurance
policy's language will "provide the best indication of the content of
the parties' reasonable expectations." Bensalem Tp. v. Int'l Surplus
Lines Ins. Co., 38 F.3d 1303, 1309 (3d Cir. 1994). Courts, however,
need to look at "the totality of the insurance transaction involved to
ascertain the reasonable expectations of the insured." Dibble v.
Sec. of Am. Life Ins. Co., 590 A.2d 352, 354 (Pa. Super. Ct. 1991).
Consequently, "even the most clearly written exclusion will not bind
the insured where the insurer or its agent has created in the insured
a reasonable expectation of coverage." Reliance Ins. Co., 121
F.3d at 903. But this aspect of the doctrine is only applied "in very
limited circumstances" to protect non-commercial insureds from policy
terms not readily apparent and from insurer deception. Madison Constr.
Co. v. Harleysville Mut. Ins. Co., 735 A.2d 100, 109 n.8 (Pa. 1999).
Absent sufficient justification, "an insured may not complain that his
or her reasonable expectations were frustrated by policy limitations
that are clear and unambiguous." Frain v. Keystone Ins. Co., 640 A.2d
1352, 1354 (Pa. Super Ct. 1994).
In Tonkovic v. State Farm Mutual Automobile Ins. Co., the Supreme Court of Pennsylvania set forth a "crucial distinction" to consider when applying the reasonable expectations doctrine to an insurance coverage dispute. 521 A.2d 920, 925 (Pa. 1987). There, the insured, Tonkovic, had applied for an insurance policy providing him with disability coverage through State Farm. Id. at 921. He had applied for disability insurance that would cover his mortgage in the event of an injury, regardless of where the injury occurred, or whether he was eligible for worker's compensation benefits. Id.
Tonkovic was subsequently injured on the job and began receiving worker's compensation benefits. Id. at 922. He then filed a claim under his State Farm policy, which was denied because his policy did not cover workplace injuries for which workers compensation benefits were available. Id. But the policy he had originally applied and paid for did not contain this exclusion, and he was never provided with a written policy or had this different policy explained to him by the agent, indicating that the agent had unilaterally changed the policy and not informed Tonkovic. Id. On these facts, the court held that where "an individual applies and prepays for specific insurance coverage, the insurer may not unilaterally change the coverage provided without an affirmative showing that the insured was notified of, and understood, the change, regardless of whether the insured read the policy." Id. at 925.
In holding that Tonkovic's reasonable expectations were not met, the court distinguished the facts of his case with those of Standard Venetian Blind Co. v. American Empire Ins. Co., 469 A.2d 563 (Pa. 1983), in order to demonstrate a factual scenario in which the reasonable expectations doctrine will not apply. See id. at 924-25. In Venetian Blind, Morris, a self-employed businessman, bought a general liability policy on behalf of Venetian Blind, the company of which he was a partner. 469 A.2d at 565. The policy, which was purchased through Block Brothers Insurance Company, provided personal and property damage liability for all "sums which the insured shall be legally obligated to pay as damages" and also provided that American had "the right and duty to defend any suit against the insured seeking damages on account of such bodily injury or property damage" up to the policy limits. Id. The policy also "conspicuously displayed and sequentially listed" certain types of claims for which American would not cover Venetian Blind. Id.
Subsequent to his purchase of the policy, an action in assumpsit was brought against Morris and Venetian Blind, prompting Morris to notify American of his claim for representation in the matter and for reimbursement for damaged Venetian Blind products.
Id. American, citing one of the express exclusions, refused to defend the assumpsit action or pay for the damaged Venetian Blind products. Id. In response, Morris claimed that he was unaware of the exclusions because he had relied on the judgment of Block Brothers Insurance Company, to whom he had indicated that he wanted "full coverage on everything we have." Id. Concluding that the exclusions were "plain and free of ambiguity" and "could have been readily comprehended by Mr. Morris had he chosen to read them," the court held that Venetian Blind was bound by the policy it signed and that allowing Venetian to "avoid application of the clear and unambiguous policy limitations in these circumstances would require us to rewrite the parties' written contract." Id. at 566.
The "crucial distinction" in Tonkovic limits the reasonable expectations doctrine and distinguishes Tonkovic from this case. Here, the record does not contain any evidence that Cincinnati unilaterally changed Treese's policy without notifying him. To the contrary, Treese's policy mirrors the renewal application that C.M. Stauffer Insurance Agency submitted to Cincinnati on behalf of Treese. The application requested "Building" coverage in the amount of $330,000. Based on this application, Treese was issued a policy that clearly and unambiguously provided "Building" coverage with a limit of insurance of $330,000. Thus, Treese cannot claim that Cincinnati affirmatively misrepresented the policy or unilaterally changed it as to defeat his reasonable expectations of coverage.
A consideration of Venetian Blind reinforces this conclusion. Similar to the insured in Venetian Blind, Treese argues that his reasonable expectations of coverage were not met because he relied on his insurance agency's judgment to provide the necessary coverage. Because his C.M. Stauffer agent, Roehrig, visited his premises, saw his tools and equipment, and also had a copy of his old Donegal policy providing business personal property coverage, Treese claims that he had a reasonable expectation that his business personal property would be covered under his Cincinnati policy. But, like in Venetian Blind, the limitations of Treese's Cincinnati policy are plain and free of ambiguity. He could have discovered them by reading the policy, instead of just reviewing "[i]t to some extent." Thus, the very limited circumstances in which the reasonable expectations doctrine applies-where protection is needed from unclear terms or insurer deception-are not exhibited in Treese's claim.*fn6 Consequently, no genuine dispute of material fact exists, and summary judgment is granted for Cincinnati on his claim for reformation in Count II.
Based on the foregoing, I will grant Cincinnati's motion for summary judgment and deny Cappy's Windows' motion for summary judgment.
An appropriate Order follows.
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By Jon Milward
In recent years, an increasing number of small and medium-sized companies have started to tap into this enterprise-class platform for its more advanced capabilities. Regardless of the size of the business, many organisations are still not using SharePoint to its full potential. More than just a handy collaboration tool, SharePoint can serve as an organisation-wide platform for workflow-centric businesses processes.
There is a lot more to this product than meets the eye and a number of its 'hidden gems' could make it a very useful business tool for start-ups and SMEs. Here are five aspects of SharePoint that you may not be aware of:
1. With its foundation version, you can actually start using SharePoint for free. Not only does this come without costs, but it can also be set up and ready in just a few hours. Businesses without enormous IT budgets are therefore able to create intranet sites where employees can share documents, calendars, tasks and participate in online discussions. Of course, you won't be getting all the bells and whistles of more advanced versions, but there is no better way to explore what SharePoint can do for your company if you haven't tried it.
2. SharePoint can make it easy to control your data. In addition to providing a central repository for information, it's easy to set up customised controls and user profiles with SharePoint. Different employees can see and do different things, depending on what permissions they've been given. Also, because SharePoint has version control built in, a number of different people can be working on the same document at the same time, without the risk of overwriting each other's changes by mistake. This 'controlled collaboration' can even be extended beyond the organisation itself, as SharePoint makes it easy to build secure online portals (for example , for partners or customers) that allow businesses to share information both internally and externally.
3. SharePoint is very easy to use, as it is formatted with the familiar Microsoft interface and is tightly integrated with Outlook, Word, PowerPoint, and many other Microsoft products. Employees can therefore start using it straight away, with little or no training. This is an important fact to keep in mind, because if software isn't easy to use, no one will ever use it – no matter how great it is.
4. SharePoint can support your business critical functions by integrating disparate lines of business applications ranging from HR, ERP, and finance and be developed to support specific business processes. Crucially, the software has been designed to enhance existing systems without the risks and costs associated with redeveloping new applications from scratch.
5. SharePoint can make visualising data a lot easier as well, which means that it can deliver important business intelligence based on a wide variety of data. When coupled with Microsoft's SQL server, SharePoint's interactive graphs and charts can help raw data to come alive in a way that's simply not possible with spreadsheets or other standard documents. As a result, management can make decisions based on up-to-the minute business intelligence that is easy to collate and understand.
Whether you are new user looking to try it for the first time, or an experienced user looking to add more advanced functionality, SharePoint's hidden gems are more than just document sharing or creating a basic intranet. This useful software can offer an easy way for SMEs to maximise any existing investment in IT, whilst also making the company much more agile and efficient at the same time.
About the author
Jon Milward is Director of Integrated Solutions at Northdoor.


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3 pack of fiberglass youth arrows that are 26" long and for draw weights to 29 lb. Features 3" vanes 1-orange, 2-white. Nocks and target points included.


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WOODBURY - Saturday marked the U.S. Drug Enforcement Agency's National Take Back Initiative, where people could turn in unused prescription drugs with no questions asked.
According to the DEA's Acting Administrator Chuck Rosenberg, the United States currently consumes 99 percent of the world's hydrocodone and about 80 percent of the world's oxycodone.
"We will lose 47,000 people this year to a drug overdose. That is a stunning number," said Rosenberg, during an event in Virginia.
Officials say most prescription drug abusers get their fix from family, friends and the household medicine cabinet.


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Attention lonelyhearts! We've got some more potential boyfriends for you! And these ones might even be accepting of "Donna Juanitas."
Via Videogum
» share:
» posted by Bmad on Monday, November 16th, 2009
Leave a comment | category: Funny | permalink
!! OMG, Carrie Prejean Masturbates For Jesus !!
Every time I turn around, Mean Queen Carrie Prejean is doing something to make me love her against my better judgment. You probably heard last week about her sex tape, but this week it has been revealed that there are actually EIGHT of them. That's right– America's number one crusader against Opposite Marriage may hate the gays who do her hair and help her glue her bathing suit to her ass, but she has no problem with displaying her most intimate moments with her own cooter for all the world– in eight separate tapes. How fabulous!
But wait just a moment here: Carrie may not be the scarlet woman people are making her out to be. If we look to her courageous autobiography we can see that Queen Prejean– a noted theologian in addition to pageantess and demagogue– has a sound religious basis for her on-camera antics, arguing that "God gave us our bodies, and it's perfectly right that we use them in ways where we can give glory to God."
Who could disagree?
» share:
» posted by Bmad on Monday, November 16th, 2009
3 comments | category: Filthy, Homophilic, Unfortunate | permalink
!! OMG, How Cold-hearted: Dear Abby !!
The story of Dear Abby has always been a sick and twisted one– full of drama, corruption and family betrayal. Now things are getting crazier: Jeanne Phillips, the current Dear Abby, is apparently cheating her mother, the original Dear Abby, out of her well-earned advice riches. This is the biggest scandal since Brooke Astor had to sleep on that pee couch! According to the NY Post:
The Alzheimer's-afflicted creator of "Dear Abby" is being cheated out of hundreds of thousands of dollars by her daughter, her son says.
Pauline Phillips, 91, turned her celebrated advice column over to her daughter, Jeanne, in 1995, when the disease was detected.
Jeanne's company agreed to pay Pauline Phillips — a k a Abigail Van Buren — a $350,000-a-year salary for the rest of her life, said Edward Phillips, Pauline's son.
After paying for 10 years, the company "suddenly and inexplicably" stopped, Edward said.
He claims in Los Angeles Superior Court that Jeanne's company now owes $700,000 in payments.
Advice-givers, advise thyselves! If only Ann Landers wasn't dead I'm sure she could come up with a solution to this problem.
(NY Post)
» share:
!! OMG, he's naked: Justin Long !!
If you ever wanted to see that smarmy, self-assured/annoying guy from the Apple commercials without his pants on, here is your chance! Justin Long has apparently acted in projects with lines other than "I'm a Mac," including the film Taking Chances where he stands half-naked with his hands over his bits in a body of water.
See the NSFW stills and video clip after the jump.
[[ OMG, theres more: JUMP IN to read the rest ]]
» share:
» posted by Frank on Monday, November 16th, 2009
7 comments | category: Candy | permalink
!! OMG gossip: Man strips for Jonas Brothers !!
Crazy male Jonas Brothers fan jumps onstage, starts undressing at their concert in Madrid. [dlisted]
Carrie Prejean actually made 8 sex tapes, 30 nude photos. Does this constitute a career? [superficial]
OMG vote for your favorite Adam Lambert make-up look! [l.a. rag mag]
Get your $20 Britney Spears tickets while they're hot! [socialite life]
The Black Eyed Peas get funny on SNL [popeater]
Lady GaGa will perform on Gossip Girl this week. Here is a sneak peek. [amy grindhouse]
OMG Daniel Radcliffe smokes pot! [yeeeah]
Visit Jim Carrey's new website at the risk of losing your mind [urlesque]
OMG new video for Rihanna's "Russian Roulette"! She's in a cage. [bwe]
Josh Duhamel's stripper hook-up tries to apologize to Fergie [betty]
Sarah Palin says she would invite Levi Johnston and his hockey stick to Thanksgiving [celebitchy]
OMG Prince Harry gay kiss! [towleroad]
Gay porn star Aiden Shaw has a goth punk past! [the sword, NSFW]
OMG leaked Sex and the City 2 script! [SPOILER ALERT, tabloid prodigy]
Madonna visits Rio to raise money for Africa [oh la la]
Ben & Jerry's makes Hubby Hubby ice cream, but only in Vermont [gayest ever]
» share:
» posted by Frank on Sunday, November 15th, 2009
Leave a comment | category: Celebrated | permalink


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Hi, I have 2 waveform in separate vectors of [1x4000]. The waveform is simply a 40kHz sine wave with different amplitude and phase. Having 1 wave as the reference, I am comparing for the amount of phase shift and amplitude differences.
Is there any way I can find out the amount of phase shift in degree?
No products are associated with this question.
>> doc xcorr
Thanks Rick. At the moment I'm trying to figure out the 'maxlags' value, how can I know what is my lag range? A high enough number will do?
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LEGO Friends Advent Calendar 2016
By Jay
So this was a little random, but starting the 2016 Star Wars Advent Calendar this morning made me kinda regret not getting another one to go alongside it. One impulsive lunchtime shopping trip later, I've ended up with a 2016 LEGO Friends Advent Calendar to go along with my Star Wars countdown! If you've been reading my blog for sometime, you'd know that I'm a pretty big fan of the Friends … [Read More...]
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Romaine Wedges With Tangy Blue Cheese Dressing
Total Time
Prep 5 mins
Cook 2 mins
From Bon Apetit.
Ingredients Nutrition
- 1⁄2 cup extra virgin olive oil
- 3 tablespoons white balsamic vinegar
- 1 1⁄2 teaspoons anchovy paste
- 1 garlic clove, pressed
- 1 cup crumbled maytag blue cheese (about 4 ounces)
- 2 small hearts romaine lettuce, halved lengthwise
- 1⁄2 small red onion, thinly sliced
- Combine first 4 ingredients in medium bowl to blend. Whisk in cheese, leaving some whole pieces. Season with salt and generous amount of cracked pepper. Place romaine wedges on plates. Drizzle 1/4 cup dressing over center of each. Top with onion.


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The Split Personality Test
Their result for The Split Personality Test ...
Drama Queen
You scored and 80 misery!
Their Analysis (Vertical line = Average)
They scored 80% on Social, higher than 87% of your peers.
All possible test results
Social Deviant
Congratulations. You are the Social Deviant. You shun modern society in search of a higher existence. Or you just dont belong.. because people are food. Heh Heh. Read more
Social OutKast
Congrats. You are the Social OutKast. You live to be different, just like everyone else. You pretend that you dont care about what other people think about, but in actuality, its all you think about. Read more
Drama Queen
Oh my. You are the Drama Queen. But Im sure you dont care. You have other people to manipulate.. Read more
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What science-fiction spaceship should you command?
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Hey! I know what I'm looking for in a guy, and by answering these questions, I'll know if your someone that I could see myself dating :)
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The U.S. Presidents' and U.S. History Test!
How much U.S. History do you really know? Do you remember the things your teachers taught you? Do you pay attention when reading newspapers or watching the news?
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Hi! I'll be asking questions regarding the automotive cultural set u fit into. Also whether you are more speed/power oriented or more appearnce orien...
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O teste das facções
Find out witch of Divergent faction you belong.
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Much like the three branches of government, the three holes of a bowling ball are elegantly designed to promote stability, control, and the importance of pointing fingers. Go on strike against sadness with today's Groupon.
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The independently owned Community Bowling Centers accommodate bowlers of all ages and abilities, featuring bumper-equipped lanes and lightweight balls designed for the hands of pintsize players. At 7 smoke-free locations throughout the region, guests enjoy open hours in addition to league opportunities and special events. The onsite bar serves ice-cold cups of soda or beer, which guests may raise in toasts to friendship and man's ability to hydrate himself. On select evenings, the alley lights turn down and the ethereal illumination of Glow N Bowl takes over with laser-light shows and fog machines. As balls roll down phosphorescent lanes, a sound track of thumping beats and alien distress calls saturates the space.
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All in all, I'm a fairly sweet girl.
I'm no where near being mean,
but my sarcastic jokes may be misread as an insult.
Regardless of how extremely bizarre my
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