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Sunday is just three days away and that means Week 2 of the 2010-11 NFL season. Many people at this point in the week are making decisions on who and who not to start on their fantasy teams.
Defense was the name of the game last week, with several low scoring games during the opening week of the season.
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The partnership was forged in 2012 against the backdrop of increasing ties between the two companies: the Caterham F1 team was running Renault engines, Tony Fernandes wanted to put Renault engines in the road-going Caterham Seven, there was talk of collaborating on all manner of vehicles and a sports car seemed like a natural place to start. Société des Automobiles Alpine Caterham was established at the historic Alpine factory in Dieppe, France, with each partner holding 50 percent. The goal was to launch a pair of sports cars to be based on common architecture but differentiated for sale by both partners by 2016.
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As a result, Renault will take over Caterham's stake in the operation, dropping the latter's name from the venture that will now be known strictly as Société des Automobiles Alpine, the term "société" having a more corporate connotation in French than a social one and the company now essentially becoming another division of the Renault Group that also includes Dacia and Renault Samsung Motors along with strategic alliances with AvtoVaz and Nissan (including Infiniti and Datsun).
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June 10, 2014
Renault has acquired Caterham Group's stake in Société des Automobiles Alpine Caterham
Following a mutual agreement between Renault and Caterham Group, Renault has increased its stake in Société des Automobiles Alpine Caterham to 100%, following acquisition of the interest held by Caterham Group. Renault will now continue to develop its own Alpine sports car to be launched in 2016, as initially planned. Caterham Group also plans to continue with its own sports car.
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Fire, water, air, earth - our most trusted food expert recounts the story of his culinary education
In Cooked, Michael Pollan explores the previously uncharted territory of his own kitchen. Here, he discovers the enduring power of the four classical elements - fire, water, air, and earth - to transform the stuff of nature into delicious things to eat and drink. Apprenticing himself to a succession of culinary masters, Pollan learns how to grill with fire, cook with liquid, bake bread, and ferment everything from cheese to beer. In the course of his journey, he discovers that the cook occupies a special place in the world, standing squarely between nature and culture. Both realms are transformed by cooking, and so, in the process, is the cook.
Each section of Cooked tracks Pollan's effort to master a single classic recipe using one of the four elements. A North Carolina barbecue pit master tutors him in the primal magic of fire; a Chez Panisse-trained cook schools him in the art of braising; a celebrated baker teaches him how air transforms grain and water into a fragrant loaf of bread; and finally, several mad-genius "fermentos" (a tribe that includes brewers, cheese makers, and all kinds of picklers) reveal how fungi and bacteria can perform the most amazing alchemies of all. The listener learns alongside Pollan, but the lessons move beyond the practical to become an investigation of how cooking involves us in a web of social and ecological relationships: with plants and animals, the soil, farmers, our history and culture, and, of course, the people our cooking nourishes and delights. Cooking, above all, connects us.
The effects of not cooking are similarly far reaching. Relying upon corporations to process our food means we consume huge quantities of fat, sugar, and salt; disrupt an essential link to the natural world; and weaken our relationships with family and friends. In fact, Cooked argues, taking back control of cooking may be the single most important step anyone can take to help make the American food system healthier and more sustainable. Reclaiming cooking as an act of enjoyment and self-reliance, learning to perform the magic of these everyday transformations, opens the door to a more nourishing life.
Download the accompanying reference guide.
©2013 Michael Pollan (P)2013 Penguin Audio
"Pollan narrates his book in a conversational style filled with conviction and eagerness that drive the listener to join his evolutionary quest." (AudioFile)
"Excellent production"
Well researched, well written, well narrated. Interesting combination of history, science, and art. Don't miss this!
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Great book, great author! Really enjoyed listening to him explore new areas and bring them to life for us in his unique way. Very inspiring to try new things for myself!
"Highly recommend"
Top 10
The whole thing. I liked how Pollan broke it up in to different sections on food prep: fire, water, air and earth
Him......Audible should change this question
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Definitely recommend this to anyone and I am probably going to listen/read some more Michael Pollan books.
Reader Guy
"Great book! Very, very well read!"
This would have received a 5 star overall rating, but, that is reserved for 'Les Miserables', and other 'Great Books' - that is just me.
My wife had read this book, and she thoroughly enjoyed and benefitted from listening to Mr Pollan's narration.
Mr. Pollan has written and narrated a wonderful book. I and my family will benefit from what he has done.
Read it and find your 'inner cook' re-vitalized!
"Such great investigations of human/microbial culture"
Pollan is attentive and careful, respectful and earnest in his investigation of the different food cultures he examines throughout this book. It was a joy to listen also to his voice tell the story of his journeys, complete with contextual accents preserved.
"Great book!"
Fantastic! Very exciting and inspiring! I would recommend this book to anyone who wants to learn more about food.
This book gave me a lot to think about when it comes to the eating and prepping of food. I recommend it!
Someone who enjoys information less and flowery empty prose more.
The story might be good but I keep just groaning in remorse as he once again mounts the steed of unimaginitive thesaurus work to inflate a decent set of words into somehow literary artistry.
He normally fails and honestly after 2 hours he was giving me anxiety like watching an overconfident middleschooler give a book report.
I enjoyed the omnivores dilemma, and botany of desire was great
Final note as a southerner: He does not get barbecue, and his ridiculous parable of a chinese farmer inventing roasted meat was obnoxiously mentioned too often.
All I want is to be enraptured about a subject like bill bryson. Random year in the 1900's, this old house, that worlds fair....but somehow its interesting. This book is taking one of the most interesting premises, cooking, and manages to crush it to a dry mouth powder.
I love Michael Pollan's books but sometimes found them hard to get through. This was my first audible book and what a difference listening made! Michael was gave a great, personal performance. I can't wait to read the rest of the collection.
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HMMMMM...Anyone see these police vehicles cruising around??Written by Donna Hancock Subject: Police State
Current News | Contents By Subject
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Oath Keepers on Way to DC to Protect Patriots at Inauguration
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Alpha Alpha Delta Chapter Events
Bi-Annual Book Wallow:
At least once every semester we gather to rummage and wallow through the books collected year around in our Better World Books' bins. We never know the treasures we will find, but it always turns out to be a great time of chapter bonding and fundraising. The books that do no meet Better World Books' standards get sent to local community book collection programs, which in the past have included:
- The Private Industry Council: They focus their energies on adult education to benefit the workforce of Westmoreland County.
- The Blackburn Center: They assist individuals suffering from domestic and sexual violence.
- Brownsville Area School District: A local school distrist that according to the Pennsylvania Budget and Policy Center, 64.7% of the District's pupils lived at 185% or below the Federal Poverty Level as shown by their eligibility for the federal free or reduced price school meal programs in 2012.
Sigma Tau Delta International Convention:
This is the holy grail of Sigma Tau Delta events. Members of the honor society are given the opportunity to submit critical papers, creative writing, and discussion panel proposals for the international conference held each spring. It provides the perfect backdrop for students, faculty, and writers to explore the various disciplines of English language and literature. For more information regarding the annual conference, please visit Sigma Tau Delta's convention site, or the main convention site itself.
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Inductions for the Alpha Alpha Delta Chapter of Sigma Tau Delta are usually held twice during the academic year, once each fall and spring semester. After meeting eligibility requirements for the prestigious honor society, students are formally inducted into Sigma Tau Delta during a ceremony run by the chapter's student officers. New members are welcomed into the honor society with a feast, and it is quite common for current members and faculty to select short readings for the occasion.
Fall Harvest / Devil's Night:
Usually sponsored in part by the Friends of the Millstein Library, our Devil's Night is a celebration that Sigma Tau Delta holds every year around Halloween. Stories, poems, and other writings that are spooky, frightening, eerie, or in some other way jarring are read out-loud a dark and modestly decorated room. Participants and guests are encouraged to dress in costume. And of course, no celebration would be complete without food, which participants and guests are encouraged to bring! Prizes are awarded for the best costumes and readings. In recent years, we have missed the opportunity to have the event close to Halloween/Devil's night and have adjusted accordingly by hosting a Fall Harvest event. Students and Faculty bring stories, poems, and other writings with a fall theme, and enjoy refreshments associated with autumn.
Banned Books:
This is a reading contest to celebrate Banned Books Week, hosted by the American Library Association, and to join in the protest against the banning and challenging of books around the world. In order to compete, participants must find a banned or challenged book (banned or challenge ANYWHERE, ANYTIME in history). Naturally, they must choose a passage to read. Readings are judged for a number of qualities, such as their shock value, literary merit, and reading performance. The Alpha Alpha Delta Chapter awards fine editions of sultry, steamy banned books to those who deliver the top three readings. The event is often kicked off by "The Singing of Smut" by Dr. Sayre Greenfield. More information about Banned Books Week can be found at the American Library Association's website.
Check out some of our past events:
|Event Name
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|Spring Into the Streets: Book Wallow
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Mike & Mike had NCAA President Mark Emmert on their program Friday morning. As part of the interview, the show's Twitter account asked fans to tweet in their own questions to Emmert by using the hashtag #AskEmmert.
What could go wrong?
What could possibly go wrong?
As always, these are Real Tweets from Real People….
The #AskEmmert hashtag was largely fun and games – a social media campaign hijacked like so many other social media campaigns. If Mike & Mike thought #AskEmmert would deliver a few friendly, thoughtful questions and not a hilarious/raunchy/damning countrwide trending topic, they were badly mistaken.
And if you thought that was some not-so-good publicity for the NCAA and its President, that was nothing compared to what actually happened when he opened up his wordhole and began to speak. It't not a good thing for your organization when one of the worst things you can do is allow your President to speak in public.
One would think Emmert would address all the concerns that face his organization with some sense of gravitas. Again, wrong. Emmert made flippant remarks about paying CFL players and student-athletes taking spots away from other students that paid to go to college.
That's right, the head of the NCAA, the National Collegiate ATHLETIC Association put down student athletes on national radio.
We tried to reach out to the head of the NCAA's public relations department about Emmert's comments, but they were rejecting all questions at this time.
Emmert will appear on The Dan Patrick Show Monday morning. Maybe this time he'll answer some of those #AskEmmert questions he missed this morning.


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March 25, 2016
Ezio Gribaudo
Courtesy of Matteo Imbriani
Texas Tech University's Italian Program in the Department of Classical and Modern Languages and Literatures and the Louise Hopkins Underwood Center for the Arts (LHUCA) will host an exhibition of the works of Italian artist Ezio Gribaudo from April 1 through May 28 at LHUCA, 511 Ave. K, in collaboration with the Italian Cultural Institute of Los Angeles.
Ezio Gribaudo's "Theaters of Memory (Teatri della memoria)" is a collection of works Gribaudo began developing around 1965 and continues to this day. The artwork shares common themes of archaeology of knowledge and of the human experience, with images designed to trigger memories.
"The White Magic of Ezio Gribaudo," a 2015 documentary directed by Marco Agostinelli and Andrea Liuzza, will be screened throughout the exhibition.
The LHUCA Gallery is open 11 a.m. to 5 p.m. Tuesday through Saturday and admission is free. The exhibition is sponsored by The CH Foundation and made possible in part through a grant from the City of Lubbock as recommended by Civic Lubbock, Inc. It is supported by a grant from the Texas Commission on the Arts and endorsed by the Consulate General of Italy and ItalyInUS.org.
Courtesy of the Ezio Gribaudo Archives
Teatro della memoria / Theater of Memory (2015)
At the exhibit's private opening on March 31, Gribaudo will be awarded The ICC (Istituto Italiano di Cultura) Lifetime Achievement Award, a prestigious award that recognizes Italian excellence in the world. It will be presented by Valeria Rumori, director of the Italian Cultural Institute of Los Angeles. Gribaudo also will be awarded honorary citizenship from the City of Lubbock.
Born in 1929, Gribaudo was trained at the Accademia di Brera and as an architect. The Turin-based artist brings to his art a sense of chromatic precision and historical determination derived from his work as a painter, sculptor and graphic artist. Gribaudo's work appears in many permanent museum collections around the world, among them the Museum of Modern Art in New York City; the Peggy Guggenheim Collection in Venice, Italy; the Musée des Arts Décoratifs in Paris; the Robert McDougall Art Gallery in New Zealand; and the Museu de Arte Moderna in Rio de Janeiro. Through his committed activity as an art publisher, he mentored and promoted many of the most relevant figures in modern art since the 1950s, including Francis Bacon, Giorgio de Chirico, Willem De Kooning, Marcel Duchamp, Peggy Guggenheim, Joan Miró and Henry Moore. He has been recognized with numerous international prizes, including the IX Rome Quadriennale in 1965, the XXXIII Venice Biennale Prize for graphic arts in 1966 and the São Paulo Bienal in 1967.
The College of Arts & Sciences at Texas Tech consists of 18 departments which provide a wide variety of courses and programs in liberal arts, humanities, mathematics, social and behavioral sciences, natural sciences and communication.
The college offers 44 bachelor's degree opportunities, 107 master's degrees and 18 doctoral degrees.
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Learn more about specific Departments, Programs, Centers and Institutes.
A brief history of the College of Arts & Sciences.
Texas Tech's Undergraduate Biochemistry Programs Earn Full Accreditation
Texas Tech University Bestows Honorary Degree on Cavazos
Gravitational Waves Detected 100 Years After Einstein's Prediction


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A Stanford student was beaten and robbed by three men early Wednesday morning, police said.
The 19-year-old student was walking on the 3600 block of El Camino Real in Palo Alto at about 12:30 a.m., looking for an open store where he could get something to eat, when he was attacked from behind by three men, Palo Alto police Agent Dan Ryan said. The men "kicked him, punched him, knocked him down," and broke his glasses, Ryan said.
"They pulled his pants off him, went through his pockets," Ryan said.
The men took his cell phone and about $10, and then fled in a white four-door car, driven by another man. The student described the assailants as black men in their 20s, ranging from 5 feet 8 inches to 6 feet tall, Ryan said.Web Link
This story contains 144 words.
If you are a paid subscriber, check to make sure you have logged in. Otherwise our system cannot recognize you as having full free access to our site.
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7 posts tagged with gender and psychology.
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truth/data backing up my intuition on gender marketing & music?
I'm about to ask a—perhaps sexist—question about the possible differences in how men and women—broadly speaking—identify with songs in marketing. But first, some set-up. As a branding exercise, I've been working on tackling a fictitious start-up consisting of two fashion retailer brands. One's a men's brand, and one's a women's brand, both part of the same fictitious umbrella corporation. When fleshing out the details of any brand, I like to immerse myself in the environment of that brand as much as possible, approaching it almost like a method actor approaches a role. Part of this process for me is usually creating a playlist of music I identify as feeling right for that brand. Songs I can imagine playing in the store itself. I noticed my thought process behind selecting tracks for the menswear and womenswear brands were entirely different, and I'm wondering if there's any underlying truth or data to support my intuitions. [more inside]
Is it worth it to get a PhD? It seems really scary.
What is getting a PhD really like? Is it worth it? I want to be a researcher in psychology, sexuality, and gender. [more inside]
Biology = Destiny
Can you recommend a book chapter or article that summarizes the biological and/or psychological perspectives on gender without devolving into straw-man attacks or interdepartmental backbiting? [more inside]
Eye contact
Why do (American) women tend to avoid casual eye contact with men as they walk by, enter an elevator, etc... I know there is the obvious issue of not wanting to appear "interested" or send a sexual signal...but does that explain everything? [more inside]
Looking for a picture that would be worth 1,000 words
I'm trying to find a psychological/sociological study on men and women's views of the ideal female body type. [more inside]
Why have people always thought this?
So, despite no one having told me this through high school, now that I'm in college I've been informed that everyone, everywhere, thinks I'm gay (and high school friends have confirmed this, now that I've asked). Men, women, doesn't matter. I am aware that I have a (very) slight lisp, which I hate because I can't control it (from birth). I am aware that I'm upbeat and tend to talk fast when excited. My body language is probably somewhat submissive, but I don't think it's THAT bad. I'm shy around a lot of women, don't make eye contact a lot, and a lot of guys don't like me because I'm not that into the "guy topics of conversation". Aside from, you know, how EFFING HOT random girl #43 is. (Cause she was!) The point is, I'm disturbingly straight and finding out what everyone really thinks has thrown me for a huge loop--not only am I being perceived as something I'm not, but it's also been (continually) detrimental to my success with women and social acceptance by guys... and I DON'T KNOW WHAT TO DO. [more inside]
More male bottoms then female tops?
BSDMFilter : Is it true that there are far more male bottoms then there are female tops? [more inside]
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Executive Profile*
David Hanchette
Vice President of Marcom/Product Management,Legrand Home Systems, Inc.
|Total Calculated Compensation
|This person is connected to 66 board members in 1 different organizations across 1 different industries.
See Board Relationships
Mr. David Hanchette, also known as Dave, serves as Vice President of Marcom/Product Management and Marketing at On-Q/Legrand. David Hanchette has been a Member of Board of Industry Leaders at Consumer Electronics Association since October 2011 and has been its Member of Executive Board since October 2012.
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Qatar Airways flight QR92 schedule
Flight departure days
Flight schedule & details, October 26
1. Flight QR92: Stockholm - Doha, ARN - DOH, 6h 10m
International flight QR92 by Qatar Airways serves route from Sweden to Qatar (ARN to DOH). The flight departs Stockholm, Arlanda terminal «5» on 26 October 11:05 (11:05 am) and arrives Doha, Hamad terminal «2» on 26 October 18:15 (6:15 pm). Flight duration is 6h 10m.
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October 26, Saturday
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Washing your windows is the sort of annoying chore that you want to get right the first time. To make sure you only have to tackle this project once, note these common mistakes before you start spraying and wiping.
1. You choose a sunny day.
Do this job in the blazing sun and the cleaner will dry onto the hot windows before you get to wipe it off, leaving hard-to-remove streaks. Instead, choose a dry, cloudy day. But if the sun's out and you're itching to clean, start with the windows on the shady side of the house.
2. You don't dust the sills and sashes first.
Skip this step and any liquid that drips onto the window frames will create a muddy mess. Always vacuum the frame, sill, and sash first before tackling the glass.
3. You don't use enough window cleaner.
Don't be afraid to generously spritz your windows with cleaner (we like Hope's Perfect Glass), especially if they are extra dirty. You need plenty of cleaner to dissolve and suspend the dirt so it can be completely wiped away. Skimp and you'll


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Kobe Bryant simmered, but Jerry Buss stayed patient. The short-term struggles the Lakers experienced during the post-Shaq era bothered Bryant so much that he demanded a trade. But Buss refused. The frustration on the organization's direction bothered Bryant so much that he even once called Buss an "idiot." But the late Lakers owner took no offense.
Kobe Bryant Credits Jerry Buss for Convincing Him to Stay with Lakers
From InsideSoCal.com
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Comic-Con 2011 Movie Trailers & PreviewsCheck out exclusive videos from Comic-Con 2011 featuring the latest trailers, demos, interviews and gameplay.
Displaying 21–22 of 22 videos
The Dark Knight Rises Official Trailer
Christopher Nolan's The Dark Knight Rises will pick up after the events of The Dark Knight, with Christian Bale returning as Batman, but this time pitted against the deadly Bane and Catwoman. Check...
The Man With The Iron Fists Official Trailer
In feudal China, a blacksmith who makes weapons for a small village is put in the position where he must defend himself and his fellow villagers. Check out the official trailer for The Man With The...
G4's New Marvel Anime Shows Iron Man, Wolverine, X-Men, and Blade
10,692 Views | 02:38
X-Play Comedy: Cowboys & Pokemon
59,881 Views | 02:50
Sideshow Collectibles Comic-Con 2011 Booth Tour
1,893 Views | 01:35
Community Interview with Joel McHale and Gillian Jacobs Comic-Con 2011
4,412 Views | 05:02
Dr. Who Interview with Matt Smith and Karen Gillan Comic-Con 2011
12,298 Views | 04:54


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Interesting thread.
Back a few years ago I would have thought this thread was crazy, but now I've matured and realize that there is nothing wrong with owning / using guns. I was never around guns as a kid, so I thought it was a very taboo thing. I didn't even realize you could legally carry one in most states until this year.
I'm in the process of getting my license to carry. Once that happens I'm going to get a little Ruger MKIII Standard and a subcompact EDC gun (Ruger LC9, Walther PPK, PPS ?). Really want to get good with shooting, so that I can start doing it as a competitive sport.


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Special Order Ligature Resistant Storeroom Function Mortise Lock with Push-Pull Trim
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Category: Dog Training: Skills
Transformations in Dog Training: The 2016 Recallers Video Contest Winners
The results of our 2016 Recallers Video Contest are in! Over the past week, you have narrowed down the fifteen wonderful videos in our finals to the top three. Each dog we bring into our home presents us with new challenges, we get frustrated, we may even break down, but for the sake of that […]Read more
Transformations in Dog Training: The 2016 Recallers Video Contest Championship Round!
The Championship Round The "Grand Finale" of our 2016 Recallers Video Contest is here. The top six videos as voted by you are competing for THREE winning spots. Our video contest celebrates our Recallers. A group of people who decided they wanted dogs that listen and a great relationship with their dogs, and who turned […]Read more
Transformations in Dog Training: The 2016 Recallers Video Contest Day Three
Day Three of our Recallers Video Contest Today starts the third and final round of our semi-finals! Scroll down for the videos and pick your two favourites. If you haven't already done so, you can still view the videos from Day One and Day Two. Thank you to everyone who has taken the time to […]Read more
Transformations in Dog Training: The 2016 Recallers Video Contest Day Two
Day Two of our Recallers Video Contest Wow, voting has been hot! We have five more great dog stories for you today, just scroll down to watch the videos and cast your vote for the two that touch you the most. Deciding on two is not easy! If you haven't had the chance to view […]Read more
Transformations in Dog Training: The 2016 Recallers Video Contest Day One
Anyone reading this blog who has raised a dog has been there at one point or another. Frustrated as $h!% when our dog just doesn't co-operate. Sometimes we plead and that works, sometimes, we bribe and that works… but more often than not the dog just does what he wants when he wants, leaving us […]Read more
Developing Young Agility Talent… Setting Goals & Having Fun!
This weekend I will be hosting something that I am pretty sure has never been done in the agility world before. It is a three-day seminar with 8 agility handlers (most of which have been extremely successful in agility with past dogs) and the entire three days will be live streamed. Now, none of that […]Read more
Dog Agility: Why Doing It "Just For Fun" May Be The Wrong Way
Today I wanted to make to time to join in the Dog Agility Blogger Action Day because the topic is FUN. How can I not take time out for THAT? As a professional in the sport of dog agility I recognize I am more obsessive with training and handling then the average "weekend agility warrior." […]Read more
Goal Setting in Dog Sports
Last week I was out in Los Angeles at a three day business workshop. Sitting in the meeting my mind drifted towards dog training and today's vlog was born. My mind drifting is not a reflection of the presentation I was listening to… as my friend, Annie Hyman Pratt from I M P A Q Entrepreneur, […]Read more
Dog Training in Agility: What We Do For Love
One of my online students challenged me recently. She is a highly successful agility competitor in the United States. She has been a student on Handling360 since the beginning. She said to me last week "why do you not stress the dog training part of your program? It is the main reason I follow what […]Read more
Turning the Impossible, into the POSSIBLE
Do ever you look at your current agility life and believe there are things that are just impossible for you and your dog? That your thinking isn't being a "pessimist", rather you are just being a "realist". Do you believe there are limits on what you can achieve as a handler because of your current …Read more


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The Police Shot an Unarmed Man In His Car Outside His House
Roy Middleton was returning home from work on Saturday and swung by his car to grab some cigarettes when a neighbor who didn't recognize him called the police to report a burglary. When deputies showed up, they ordered Middleton to back out of the car with his hands up. He complied, he says, and turned to face the police, and that's when things sort of went off the rails. ""It was like a firing squad," he told reporters from the hospital, where he's being treated for wounds. "Bullets were flying everywhere."
Seven shots, to be exact. Five hit the car, one hit his home where his mother was sleeping and the final one lodged in Middleton's leg. The Florida (oh yeah, this happened in Florida, by the way) Department of Law Enforcement is investigating the event, but the sole witness to the night's events confirms Middleton's version of what happened. Just another reminder to be careful out there ...
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1 Comment
This is completely in line with an earlier article right after George Zimmerman was acquitted, titled "Race, Trayvon Martin, and our National Wake Up Call"


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AmTrust Financial Services, Inc. (NASDAQ:AFSI)
Q1 2010 Earnings Call
May 3, 2010 9:00 am ET
Ellen Taylor – Investor Relations
Barry Zyskind – Chief Executive Officer, President
Ronald Pipoly – Chief Financial Officer
Bijan Moazami – FBR Capital Markets
Beth Malone – Wunderlich Securities
Robert Farnam – KBW
Dan Schlemmer – Macquarie Research Equities
Good day, ladies and gentlemen, and welcome to the AmTrust financial first quarter 2010 earnings conference call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session, and instructions will follow at that time. (Operator Instructions) As a reminder, this conference call is being recorded. I would now like to introduce your host for today's conference, Ellen Taylor, Investor Relations.
Ellen Taylor
Hello, everyone, thanks so much for joining us this morning. Today, of course, we are going to start off the call with our president and CEO, Barry Zyskind; and he'll be followed by Ron Pipoly, our CFO. We will plan to take questions at the end of the call.
Before we begin, I've got a few reminders. Any forward-looking statements made on this call are subject to risks and uncertainties. Factors that could cause AmTrust results to differ materially from any forward-looking statements are set forth in AmTrust's public reports filed with the SEC, including our current report on Form 8-K filed today.
Then, also some of our discussions about our company's performance today will include reference to non-GAAP financial measures. Information that reconciles these measures to GAAP may be found in our filings with the SEC and in the news release located on our investor relations website.
Finally, the company undertakes no obligation to publicly update or revise any forward-looking statements whether as a result of new information, future events, or otherwise. With that, I will turn it over to Barry.
Barry Zyskind
Good morning, and thank you everyone for joining us for our conference call. I'm very pleased to report that we had a very strong quarter at AmTrust. This is the second quarter in a row that we had strong premium growth in excess of 20%. In addition, we are very proud of our ROE, which continues to be in excess of 20%.
The growth this quarter came from our specialty risk and extended warranty. As we mentioned in our last couple of calls, we continue to grow this sector. We continue to gain market recognition. We are seeing a lot of strong deal flow in this sector in both here in the United States, and we believe we will continue to see nice growth in this sector for the next couple of years.
Although our small commercial was slightly down, we are starting to see very encouraging signs as the economy is starting to pick up. We're starting to see higher renewal retentions and better business coming in; and we are very, very encouraged by what we're seeing in April. So far this year in April things are looking to be stronger, and we're starting to see growth. So we expect to see growth in this sector in the next couple of quarters as well.
As we mentioned before, we brought in several teams in 2009 that continue to contribute to AmTrust. We are very confident that they will continue adding business, and we are seeking additional teams and transactions to continue growing our company.
I'm also pleased to report that we closed on ACAC March 1 of this year. We are very excited about its prospects, and we are beginning to see how it will contribute very nicely to earnings on several fronts. As we mentioned, we will see it in fees and reinsurance and by earnings.
The earnings that it earns on its own income statement will, of course, be included in our numbers on the equity method. We already are also starting to put into motion our cross-selling opportunities between the two organizations which we believe will also give us very nice growth in the future.
Our balance sheet continues to be very strong. Our book value was $605 million at the end of the quarter. We believe we are very well positioned with our capital base to take advantage of future opportunities while still, even though we're overcapitalized today, we are still able to achieve returns in excess of 20%. Of course, if we're able to find good renewal rights transactions, that will even further increase our return on equity.
I just want to end, as we mentioned in the last call, we built our company to perform well in all cycles of the market place. We are not here at AmTrust waiting around for a soft market, for a hard market. We know that we're in a soft market, and this soft market can continue for several years. Because of our expense ratio and the efficiencies and the niches we play in, we believe we positioned the company very well to take advantage of the soft market. And of course if the market gets hard, we will do even better. With that, I would like to turn it over to Ron Pipoly to give some financial highlights.
Ron Pipoly
Thank you, Barry, good morning. The first quarter of 2010 was a very solid quarter for AmTrust as we continue to build on the momentum from the fourth quarter of 2009. We experienced increases in gross written premium, operating income, net income, and earnings per share when compared to the first quarter of 2009.
Gross written premiums for the quarter increased by $70.7 million, or 26.4%, from $267.5 million to $338.2 million. While not all of our segments experienced growth this quarter, we are encouraged by the trends we are seeing. Our small commercial business segment decreased by 3.7%, or $4.8 million, from $127.5 million for the first quarter of 2009 to $122.7 million.
This decrease was primarily due to the company's continued re-underwriting of the commercial package business as well as the 6% mandated rate reduction in Florida workers' compensation rates. Partially offsetting the decrease was an increase in our workers' compensation production from the CyberComp renewal rights acquisition. For the quarter, we wrote approximately $13.7 million of CyberComp premium.
The specialty risk and extended warranty segment increased by 84%, or $69.5 million, from $82.7 million to $152.2 million. The increase was driven internationally as we successfully added new programs and expanded existing relationships.
The specialty programs segment, formerly known as specialty middle market, decreased by 4.7% or $2.7 million from $57.4 million to $54.7 million. The decrease is the result of the company maintaining its pricing and administrative discipline which resulted in a decrease in production from one particular MGA. Partially offsetting that decrease are new programs that were brought on by a team of underwriters that were hired in mid-2009.
As a result of our strategic investment in American Capital Acquisition Corp. and their subsequent acquisition of the GMAC personal lines operations on March 1, 2010, we now have a fourth operating segment, personal lines reinsurance. For the quarter, we assumed $8.7 million of premium as a result of our quota share relationship with ACAC. As I've already mentioned, we continue to exercise pricing and risk selection discipline in all of our segments.
Our net written premium for the quarter increased from $136.2 million for the first quarter of 2009 to $189.4 million for 2010. During the quarter, the company ceded $114.1 million of written premium to Maiden. Net earned premium increased from $132.4 million for the first quarter of 2009 to $148.1 million for 2010.
During the first quarter of 2009, the company ceded $102.4 million of earned premium to Maiden. We earned $31.9 million of ceded commission revenue from Maiden during the quarter, compared to $27.6 million in the first quarter of 2009.
The overall combined ratio for the first quarter was 80.3% compared to 79.7% for the first quarter of 2009. In terms of the components of our combined ratio, the loss ratio for the first quarter was 60.6% compared to 56.6% for the first quarter of 2009.
I would like to point out that in the first quarter 2009 conference call we had mentioned that our specialty risk and extended warranty segment had benefited as a result of a portfolio transfer that we had accomplished. When you would really normalize the effect of that portfolio transfer on the loss ratio for the first quarter of 2009, it would have been 56.9%. So our loss ratios are very, very comparable.
The expense ratio for the first quarter was 19.6% compared to 23.1% for the first quarter of 2009. Our expense ratio in the first quarter of 2010 without the effect of Maiden's ceding commission would have been 24.5%, and that compares to 25.6% for last year.
The combined ratio of the small commercial business segment was 80.6%, which was made up of a loss ratio of 58.9% and an expense ratio of 21.7. The combined ratio of the specialty risk and extended warranty segment was 73.4%, which was made up of a loss ratio of 60.2% and an expense ratio of 13.2%. The combined ratio of the specialty program business was 89.6%, which was made up of a loss ratio of 64.2% and an expense ratio of 25.4%.
Net operating income was $30.7 million or $0.51 per diluted share. Net income was $31.9 million for $0.53 per diluted share. For the first quarter, our investment income was $13.6 million and net realized gains were $1.2 million.
One of the other items I'd like to mention associated with investment income is that, for the duration of the first quarter, we were holding a slightly higher concentration of cash as we were waiting to close on the ACAC transaction which, as we previously mentioned, closed March 1.
Annualized return on equity from operating income was 20.9% and annualized return on equity was 21.7%. Total shareholders' equity is $604.9 million, which represents a book value of $10.19 per share. The increase in book value per share since March 31, 2009, has been $2.42 per share. We also declared a quarterly dividend of $0.07 per common share.
Total assets as of March 31 were approximately $3.6 billion. The total invested assets were $1.5 billion. Fixed maturities comprised 77.1% of the portfolio; cash and short-term investments, 14.7%; equity securities, 3.7%; and other investments, 4.5%. Other investments include our first stock investment in ACAC. The average yield on the portfolio was 3.96% at the end of the quarter.
With that, I will turn it back over to Ellen. Thank you.
Ellen Taylor
Actually we will take questions now.
Question-and-Answer Session
Thank you. (Operator Instructions) Your first question comes from Bijan Moazami from Wunderlich Securities.
Bijan Moazami – FBR Capital Markets
Good morning. It's Bijan Moazami – FBR Capital Markets. Very quickly, could you disclose what is the percentage premium from each one of your product lines?
Barry Zyskind
You mean segmental premium?
Bijan Moazami – FBR Capital Markets
Warranties versus workers' comp and others.
Ron Pipoly
Warranty, we wrote $338 million for the quarter. Specialty risk and extended warranty was $152 million, so approximately 45%. Then you had about $122 million-$123 million from the small commercial business segment which, again, would be roughly one-third; and then the rest would have come from the specialty, sorry, the specialty programs division.
Bijan Moazami – FBR Capital Markets
If you can break down your acquisition growth versus your organic growth. My understanding is that when you have a bad economy like that, you really don't want to have a lot of organic growth. But did you have much?
Barry Zyskind
If you look at on the specialty risk and extended warranty, obviously, a lot of that was organic growth and the hiring of the teams that we brought on that were able to bring on books the business from the companies they came from. Then on the small commercial, I think Ron mentioned the new and renewal on CyberComp was around $13 million. So, most, we didn't even grow that segment. But what we grew of that segment, what we sort of kept it, was the growth that came in was from the CyberComp transaction.
Obviously, we are continuing in the way we've done in the past when we're paring down the book, and we're cherry-picking, and we're renewing and writing new what we think is the best business; and we're trying to get as much of it as we can.
Bijan Moazami – FBR Capital Markets
On this acquisition of CyberComp that you closed the renewal right, are you getting the kind of loss ratio you were expecting?
Ron Pipoly
To date, this is Ron, to date we are having loss ratios that meet our expectations. But the book is green. But based on our maintenance of risk selection and pricing discipline, I am comfortable that CyberComp will perform the way we expect it to.
Barry Zyskind
I think we still feel, based on our pricing, how we put in the market place underwriting guidelines, it's very similar to what we do on the small com. We're confident; and we're very hopeful that it will be very much within the range of our loss ratio, which was better than it was when we acquired it.
Bijan Moazami – FBR Capital Markets
One last question before I re-queue. Are you guys also assuming a little bit of higher loss ratio to deal with the recessionary environment of '08, '09? Or do you still think that the same loss ratio is going to be recurring in your core book of business?
Ron Pipoly
This is Ron. In terms of loss ratio, we haven't seen, from a workers' comp perspective or even from a commercial [inaudible] perspective, we haven't seen an erosion in underwriting or claims fundamentals in terms of severity or loss frequency.
Obviously loss ratios are a byproduct of earned premium; and to the extent that if it's a softer market out there, you may have slight upticks in your loss ratio. But we feel that on a monthly basis we're taking a look at our loss reserves, which translates into reviews of lines of business that we're writing. I think we're being very proactive in making the necessary adjustments to maintain very, very solid loss ratios.
Barry Zyskind
I think, this is Barry, we do see at times because we look at it monthly and we have the technology to monitor it, sometimes when we see a certain sector in a certain state where there's a frequency pick up, we react quickly to it. Either we get out of it, or we increase the pricing, change the guidelines.
It's something that it's a state-by-state, product-by-product, and we just have to be on top of it, which we are and watch it carefully. But, overall, the book is performing very well in similar fashion to previous years.
Bijan Moazami – FBR Capital Markets
Wonderful. Thank you.
Your next question comes from Beth Malone – Wunderlich Securities.
Beth Malone – Wunderlich Securities
Thank you. Good morning. Congratulations on the quarter. I have a couple questions. One, on the yield on the investment portfolio, should we anticipate that the yield improves going forward because of the contribution of the ACA investment?
Ron Pipoly
Beth, in terms of the ACAC investment, obviously, as Barry mentioned, we feel very positively about the yield, if you will, associated with our preferred stock investment, which we are required to account for using the equity method based on the way it's structured. So, again, we feel very positive that's going to make a contribution to the bottom line.
Barry Zyskind
That will not come in in investment income, Beth. That will come on in on below the line, it will come in as --
Ron Pipoly
Equity income and as a consolidated subsidiary.
Beth Malone – Wunderlich Securities
Okay. Thank you for clarifying. Also, on the contribution from Maiden Holdings, your reinsurance relationship, should we anticipate that over time that will contribute less to the total as AmTrust continues to grow? Or will you keep it basically, is it the intent to keep the percentage that goes to Maiden the same?
Barry Zyskind
I think right now, at this current point, we just renewed the contract, 40% to Maiden at the same terms. Our expectation today is that we will continue ceding to them 40% of our business. That's going to go for another 3 years starting in June. For the future, I would say we project right now that everything stays the same.
Beth Malone – Wunderlich Securities
Okay. Then in terms of acquisitions, do you see, is the opportunity for you to make these strategic acquisitions being driven somewhat by the soft pricing environment? And if we were to start to see harder pricing, do you think those acquisition opportunities would go away?
Barry Zyskind
That's a good question. I think if you look at our history, we really benefit in both cycles. For example, now the opportunities we look for are companies that, because of the softer market, have less premium, and therefore their expense ratio is a higher percentage of the overall combined.
As their loss ratio creeps up, their expense ratio is creeping up and suddenly companies that maybe were running at 95, 96, are now running at 103, 104, 105. So in terms, that gives us opportunities right now to find inefficient players that we can put on our platform. We mentioned about CyberComp. That was a great example of a book that was running 109, 110, that we were able to put on our book, we think, in the 80s. We continue to look for smaller players, smaller books of business that we can gain efficiencies and that we have the expense advantage. That's a soft market phenomenon.
Then when you look at the hard market, usually what causes a hard market, and we benefited the last hard market cycle, was that companies mispriced risks, were pricing it too cheap, and they have to take reserve increases and, because of that, they get out of lines of business wholesale. That's an opportunity where it's not an expense issue; it's a loss ratio issue, and that we're able to take advantage of that.
I think if you look at what we've done over the cycles, depending where we are in the cycle, we've seen opportunities on both ends of it. We're confident that we'll continue to see opportunities even if it's a soft market or a hard market.
Beth Malone – Wunderlich Securities
Okay. Then you talked about signs the economy is improving. Do you see that as contributing to an improving pricing environment or is it more related to just volume?
Barry Zyskind
I think it's both. I think obviously the first one, the second one you gave, is just more businesses staying around, more new businesses opening. For us, especially, the small business is what we focus on. We just see more opportunities, less companies letting people go; so payrolls are increasing and not flat or decreasing. In terms of pricing, that we will have to wait and see if that causes increased pricing.
Beth Malone – Wunderlich Securities
Then one last question right now. On the consumer warranty business, the international business, obviously that's been a big success story for you in growth. It's just, it seems a little contradictory to the stories we hear about how difficult the European markets are and how unstable the economies are there.
I am just wondering how is it you're able to grow what appears to be a consumer-oriented kind of product in a market that's so difficult?
Barry Zyskind
I think it's a combination. I think we're seeing the growth is not just international. We are seeing a lot of good opportunities and good growth in the U.S. as well. So I think it's a combination of seeing really nice opportunities here in the U.S. as well as in the Europe.
And, we mentioned in the previous, it's a combination also in the teams we brought on. And one of the companies that we had over there, a company that we acquired, IGI, several years back got the rating last year. So they started seeing a lot more opportunities.
So these opportunities, Beth, are not just new opportunities in the market place, which there are, but they're also new opportunities to us where either a team of individuals brought over their book which was at another carrier or the recent rating of IGI attracted in their distribution base more customers.
On the U.S., over here we started this probably 5 or 6 years ago, really focusing on the U.S. market which we mentioned several times. We're just starting to get a lot of momentum, a lot of market recognition. We're starting to get a lot of [RMPs]. We're starting to see just a lot of opportunities that we did not see in the past. We're being successful in landing accounts.
So some of it is business that's already out there; their business may be slowing down. But for us it's an opportunity that we didn't have in the past. I think we're very, very well positioned. In fact, with the technology, with our expense ratio, with the fact that we do it both in the U.S. and Europe, we've demonstrated that we're a real player in this market. There's not that many players in it; and we still continue to focus on the smaller manufacturers, retailers, and customers. It's something that we just see a lot of opportunity. We're going to continue pushing in this segment.
Beth Malone – Wunderlich Securities
Okay. Thank you.
Your next question comes from Robert Farnam – KBW.
Robert Farnam – KBW
Good morning. In your comments regarding acquisitions and the ability to make acquisitions, you talked about being overcapitalized today. Can you give us any quantitative feeling for how overcapitalized you believe you are?
Ron Pipoly
I think if you look at the first quarter, we ended the quarter with about $189 million of net written premium and shareholders' equity of about $605 million; and then when you take the trust preferreds and put that into a total cap, now you're up into the $730 million range. I think for the year you are going the probably look at a leverage ratio of net written premium to shareholders' equity of maybe 1.1, 1.2 to 1.
I think that puts us in a very good position to look at additional acquisitions without having to worry about whether we have the surplus or the capital base to support it.
Barry Zyskind
Again, also, in terms of if we continue achieving in excess returns of 20%, which we're confident we can, we are creating a lot of capital as well.
Robert Farnam – KBW
Okay. Good. Admittedly it's very green at this point, but can you give us an idea of how the cross-selling initiatives have been going?
Barry Zyskind
It's very early on. My point I want to say is we just started putting into motion. We just started having meetings about it. What we're basically doing is we're going to focus on areas where they're strong in certain states where we're not and we believe it's a good healthy market for us and vice versa. Where we're strong and they may not be, we're going to cross sell to them.
We just started having the meetings. We just started getting our sales people together. We are trying to get, we've looked historically, and when you look at joint ventures and cross selling, they've not particularly worked out too well.
The reason why we're very hopeful it will work out over here is two reasons. One is we want to cross sell the agents. Most of their small agents are really very hungry for a small commercial product, which is very good for us. A lot of these small retail agents that sell auto would love to have access to a commercial writer, which we do, and we sell a lot of small commercial policies through small agents. That's very good for us. We are going to really train, cross train, our sales people and their sales people to really be proficient in each other's products.
The other issue that I think really will help us is, as you know, we're building the technology platform for them, which we're well on our way. We think once we get it out, because it will be similar ease of use and once the agent gets the password, he will be able to cross over into the commercial and vice versa. That will give us a real advantage in able to making this successful.
Robert Farnam – KBW
Right. I think you said in prior calls maybe how long you expect that development, the ACAC systems development?
Barry Zyskind
We're on track. I think we said 12 to 18 months. I would say that we started that process a few months before we closed. I would say 12 months from here would be a very good date for us to be up and running and starting to see the full service fee revenue and getting all the benefits.
Robert Farnam – KBW
Great. Last question for me. Any movement in your loss reserves for the quarter?
Ron Pipoly
This is Ron. In terms of loss reserve movement, we didn't have any obviously wholesale reserve releases related to the prior accident year. As we've discussed, we're looking at loss reserves on a by line on a monthly basis.
Obviously they naturally move between lines; but in terms of any wholesale reserve releases, we certainly didn't have those. In terms of any adverse development with any particular line, we did not have any significant adverse development and certainly are very comfortable with where we are from a loss reserve position.
Robert Farnam – KBW
Great. That's it for me. Thanks.
Your next question comes from Dan Schlemmer – Macquarie Research Equities.
Dan Schlemmer – Macquarie Research Equities
Good morning. I guess another question on the specialty risk and warranty segment. I mean the growth was pretty eye popping, 84% I think was the gross number. Give us a metric for how much of that is actually just the consumer coming back, sort of a same-store sales type of measure or just it doesn't have anything to do with bringing on teams' new accounts or anything else, what portion is just that consumer coming back?
Barry Zyskind
I would say actually the last couple quarters, especially end of '08 and beginning of '09, we saw consumers going away. Probably the last quarter we saw consumers coming back and sort of getting back to maybe before the crisis started. But you are not seeing a lot of growth in the consumer, but it's not the panic that it was at the end of '08 and '09. We're starting to see consumers coming back.
And we're starting to see positive trends. Most of the growth came really in what we call new real estate, by bringing on new accounts, maintaining our current accounts, and those accounts doing well, not declining. So those things stable and being able to bring on new accounts.
Dan Schlemmer – Macquarie Research Equities
Great. Thanks. Then a separate question on the amount of ceded premium, hopefully I got my numbers right. I think your cession rate on a written base is 51% in Q1 '09, 54% for full year '09, and then 56% Q1 2010. I'm sorry; I said that wrong. That's the retention rate. So you're retaining more year-over-year – the 56% versus the 51% retained a year ago. Can you explain what's going on there? What's the change year-over-year is?
Ron Pipoly
Dan, there's a couple of things. One of the dynamics is that on the $8.7 million of premium we assumed as part of our reinsurance relationship with ACAC, that is obviously not subject to the Maiden quota share relationship because they have their own quota share relationship with ACAC.
In addition to that, we've had a few programs in the past in which they were ceded out 100%. A by product of our acquisition of Wesco, we had a program with HSDC in which we ceded them 100% of the premium. That premium is down for the first quarter of 2010 as we wind down that relationship.
Therefore, naturally, our retention as an overall percentage is going to increase as we write less premiums in the programs that are ceded 100%. Really, it's kind of just a by product of the addition of the ACAC reinsurance relationship as well as the shift in writings among programs that had previous reinsurance relationships associated with them.
Dan Schlemmer – Macquarie Research Equities
Great. Thanks. Then on the ACAC, you said the $8.7 million you assume, and I guess you're retaining all of that. Is that $8.7 million that's one month, is that a good run rate that we should be thinking about going forward?
Ron Pipoly
This is Ron. Yes. The 8.7 represents the March session. I think that's a reasonable run rate on a monthly basis.
Dan Schlemmer – Macquarie Research Equities
Then last question. I guess, Barry, you had talked in your prepared comments about just overall soft pricing, which is, of course, what we're seeing across the market. Can you talk some what you're seeing right now in terms of are you getting a better hit rate on your quoting than you have or getting worse? Just what your renewal rates have been like.
Barry Zyskind
I think I would say that our renewal rates were down the last couple of months historically, a few points, not much, but a few points from where they were in the past. Most of that really was just businesses going out so on and so forth. Not that much due to the competition which, of course, played some part but not a big role.
But what we're seeing in terms of pricing, Dan, is we're actually starting to see I think the market is stable. I mean we are not seeing the decreases you saw a year ago and 18 months ago. I think we see a stable market. We believe it's efficient at this point. We think it can stay at these levels for the next couple of years. We still think we can get good returns out of it because of what we focused on, the low hazard class, how we underwrite it, and of course our efficiencies and expense ratio.
I think when we look at it we also are seeing some encouraging signs that we are seeing higher hit ratios. We're quoting more business. I was down with the underwriters last week, talking to them. I think they're encouraged at seeing positive momentum across the commercial lines, so in the comp and the package business where they're seeing more business and they're getting better hit ratios. I think, you know, we're starting, if the market stays stable where it is and doesn't decline, we feel we're very, very well positioned to start growing the small commercial sections.
Dan Schlemmer – Macquarie Research Equities
Great. Thanks. Last question, a bit of a backtrack on the question I asked before, ceded premium and you're retaining more. It's not a situation where you have an excess of loss or a cat cover that maybe you've changed the layers that AmTrust retains. So you're not taking on, or is there any change in that type of program?
Barry Zyskind
There is one change. It's just in our, we used to buy excess of $1 million in our [com]. Because of the quota share and our capital base and basically the returns that we've seen in the business, we're now taking the first $5 million ourself. That's something that we changed. I don't think that will contribute too much to the premium.
Ron Pipoly
Because the rate on the contract was not that significant.
Dan Schlemmer – Macquarie Research Equities
Great. Thank you.
Our next question is a follow-up from Beth Malone – Wunderlich Securities.
Beth Malone – Wunderlich Securities
Thank you. On the share repurchases, were there any in the quarter? And what is the policy or how do you decide whether you are going to be buying back stock? It's obvious you have excess capital, but it seems like you might have better uses for it than buying back your own shares.
Barry Zyskind
I think if you looked at what we've done historically, obviously, when the market had its issues and the stock was down out there and there were opportunities to buy blocks of stock, we did it. Or sometimes we went into the market place. Again it's exactly, the answer to your question is depending on the opportunities we're seeing.
So if we're looking at acquisitions and we think there's opportunities that can help us continue achieving a return in excess of 20%, then we're going to try to buy things to continue growing the operation and using our capital. If we end up in a position where we don't think we have such opportunity, then we will continue buying back our stock.
As we sit here today, we want to have that flexibility; and right now we are looking at things so we want to be able to use our capital to continue increasing the return on the business.
Beth Malone – Wunderlich Securities
Okay. Thank you.
I'm showing no further questions in the queue.
Ellen Taylor
Okay. Thanks everyone again for joining us today. Please don't hesitate to call if you have any follow-up questions. Take care. Thanks.
Barry Zyskind
Thank you.
Ladies and gentlemen, thank you for your participation in today's conference. This concludes the program. You may all disconnect. Everyone have a great day.
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