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Hotels in Revel, France
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- Most bookedHotel Abbaye Ecole de Soreze
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"Beautiful old building with splendid and vast gardens to walk through. Rooms were pleasant but there was no air conditioning and the room was particularly warm. The bathroom was a little small, but we had chosen the most basic room. The staff were very helpful and the spa facilities are numerous...."
A Traveller, Sep 2014, GB
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"If your trip is all about those big cities, modern activities, then you might want to choose some hotels downtown. But if your trip is about relaxation, to enjoy the nature. Then I found no reason for you to skip Pavillon du Chateau! I have spent 16 days in France, and Pavillon du Chateau is the ..."
A Traveller, Oct 2014, AS
Hotels within 10 miles of Revel
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"The hotel is very nice, with a gourmet cuisine and in a pleasant area in the Lauragais."
A Traveller, Jul 2015, US
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"We stayed here for 2 nights in September, and it was a very memorable stay. The owners Chris and Donna, are great hosts and made us feel extremely welcome, nothing was to much trouble. Our bed was very comfortable, and breakfast was superb. We will definitely be visiting them again in the not t..."
A Traveller, Sep 2015, GB
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"The hotel is set back from the main road and is pleasant enough. It's not a luxury hotel, but everything works and is in good condition. The staff are friendly and helpful. The best thing about the hotel is the restaurant. The food is excellent and the prices very reasonable. There are some quite..."
A Traveller, Sep 2016, GB
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"This is a lovely small hotel in a quiet village location. Room simple but very comfortable except for the organic essential oils offered as a feature by the management. Smell actually quite unpleasant and not good for people with scent sensitivities. Lovely small, heated pool. Dinner was except..."
A Traveller, Sep 2015, CA
- Lé MoulisNo Guest Reviews yet
Hotels within 15 miles of Revel
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"I spent one night at this sweet place on the Canal du Midi. My room was spacious with a wonderful shower as well. Once I figured out how to work the a/c, it was very comfortable. There was a local festival that lasted until the early morning hours, but I had been told about it when I checked in a..."
A Traveller, Jun 2016, IE
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"The family who run the hotel couldn't have been nicer or more accommodating. The rooms were very clean, air-conditioned, and comfortable. The attached restaurant serves delicious specialties of the region- cassoulet, fish fresh from the river, and duck were what we had- and fabulous desserts, all..."
A Traveller, Jun 2016, US
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Gift Premium Subscription To Hamsterbite
Join Date:08-15-2012
Last Activity:11-27-2014 11:19 PM
Likes Given: 3
46 Likes on 26 Posts
Posted in thread: Burner Preference, Help me decide. on 01-15-2013 at 08:50 PM
I know you've already made a purchase, but just out of curiosity, did you try to to clean or do
any maintenance on the turkey burner? You may still have a decent burner there, so don't chuck
it just y...
Posted in thread: DFH Raison D'etre EXTRACT recipe on 01-09-2013 at 04:25 AM
Let me try that once more...DFH Raison Detre CloneMethod: Extract Style: Belgian Specialty
AleBoil Time: 60 min Batch Size: 5 gallons (fermentor volume) Boil Size: 6 gallons Efficiency:
70% (steeping ...
Posted in thread: DFH Raison D'etre EXTRACT recipe on 01-09-2013 at 04:23 AM
Please post your AG recipe. I have WLP530 from a Westy 12 clone available, I wonder what that
would taste like?Only one way to find out. I brewed this extract, but I believe my recipe came
from a conv...
Posted in thread: Wort Aeration on 12-29-2012 at 10:31 PM
Read the chapter on fermentation in "Principles of Brewing Science" by George Fix It will
explain this all to you. It's the best explanation I have read. He keeps it simple enough to be
Posted in thread: Wort Aeration on 12-29-2012 at 07:38 PM
Oxygen quickly comes out of solution. My last brew day was a beer with OG 1.090+ with 20+ppm
O2. Pitched yeast 30 minutes after reading. By three hours later O2 sat was down to 16ppm.For
the past few ...
Posted in thread: DFH Raison D'etre EXTRACT recipe on 12-28-2012 at 04:19 PM
Hamsterbite, how did it turn out? Any changes you would make? I'm thinking of brewing this
weekend.It was great. Just kicked a few weeks ago. The bottles were holding up really well,
especially consid...
Posted in thread: What are you drinking now? on 12-20-2012 at 12:39 AM
How is it?I think the appropriate response is, What is mead?
Posted in thread: What are you drinking now? on 12-19-2012 at 11:36 PM
Last night I did my annual stocking stuffer nips shopping. While I was in the bottle shop, I
spied a new offering from 21A I had to try, Marooned on Hog Island Oyster Stout.Since I knew
the checkout c...
Posted in thread: Bottler's: I commend you all on 12-18-2012 at 09:01 PM
The whole time spent de-labeling thing need only be a one time investment. I washed and
collected empties until I had a ridiculous amount, more than I would ever need, something like
15 cases. OCD was...
Posted in thread: Wort Aeration on 12-18-2012 at 07:57 PM
Something else that troubles me about the conventional wisdom these days...Why do some insist
that high gravity beers need artificially high O2 levels (upwards of 20ppm) when that is a
condition that ...

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Gafisa S.A. (NYSE:GFA)
Q4 2012 Earnings Call
March 12, 2013 10:00 am ET
Alceu Duilio Calciolari - Chief Executive Officer, Member of Executive Board, Coordinator of Finance executive Committee and Coordinator of Investment Executive Committee
Andre Bergstein - Chief Financial Officer, Investor Relations Officer, Member of Finance Execuive Committee and Member of Investment Executive Committee
Sérgio Goldman
Marcelo Garaldi Motta - JP Morgan Chase & Co, Research Division
Luiz Mauricio Garcia - Bradesco S.A. Corretora de Títulos e Valores Mobiliários, Research Division
Eduardo Silveira - Espirito Santo Investment Bank, Research Division
Rene Brandt - Fator Corretora, Research Division
Good morning, and welcome to Gafisa's Fourth Quarter and Full Year Earnings Presentation. At our conference call today, we'll have Duilio Calciolari, CEO of Gafisa; Andre Bergstein, CFO and IR Officer. And we would like to inform you that this presentation is being recorded. [Operator Instructions]
Before we start, I would like to inform you that this conference call refers to Gafisa's financial results of the fourth quarter 2012 and information currently available. The management's statements involve risks, uncertainties and can refer to future events. Any changes in macroeconomic or legislative policies or operating changes in macroeconomic or legislative policies may affect Gafisa's performance. You may proceed, sir.
Alceu Duilio Calciolari
Good morning. Thank you for being with us today. In 2012, we carried out the testaments -- we carried out the targets defined in the deficit turnaround: cash generation; deleverage; the delivery of units; Tenda's operating adjustments; and Gafisa's focus on the strategic markets in São Paulo and Rio; besides continued growth of Alphaville, which were our main targets for the year. And I am delighted to report that we delivered on these targets. Our brands, now headed each by its own exclusive officer with its own operating structure, are focused on increasing the profitability of our activity segment.
We have reduced, in Gafisa, our geographic coverage to focus on São Paulo and Rio, our more profitable markets and are finishing up the lower-margin markets. We are maximizing the gains potential of the group, increasing Alphaville contribution for the products mix. And we are trying to regain the control of financial cycles and the construction -- and Tenda, after having frozen the launches since the middle of 2011. The successful execution of structural changes and operating changes means that we are at a turnaround moment in our company.
In 2013, we started off in a more comfortable liquidity and capital structure position on a 2012 strong cash generation position. In 2013, we'll try to maximize Gafisa's potential, increasing investments in the business through land acquisitions through the Gafisa brand and increased number of launches in the next years. This includes the regaining of Tenda's launches and profitable business and continuous expansion of Alphaville.
This more productive focus on reinvestment will lead to lower cash generation and stability in leverage throughout 2013. This is an important step to capture the group's potential in this new structure. Having developed and executed the restructuring plan of Gafisa in 2012, we are confident that we will achieve established targets for 2013 and successfully carry out the next phase of our growth strategy.
On Slide 3, we would like to discuss the highlights of the fourth quarter in the year 2012. As I have just said, one of our main targets for the year was the generation of operating cash. In 2012, the operating cash flow achieved BRL 1 billion, well above the revised guidance, which was BRL 600 million to BRL 800 million. This result was possible, thanks to the record unit delivery throughout the year, 20% above the delivery of 2011, totaling 27,107 units, exceeding the top of the guidance for 26,000 units. Tenda's contribution in the total of deliveries was relevant, a total of 16,889 units. We also generated cash through transferring the remainder of our client -- with the balance of our client's debts to financial institutions.
Launches during the year were BRL 3 billion, in line with the maximum of the guidance of BRL 2.4 billion to BRL 3 billion. In the fourth quarter, where the volume of launches is typically stronger, we achieved about BRL 1.5 billion, with sales of BRL 905 million in the fourth quarter. As planned, the participation of Alphaville increased to 46% in 2012 compared to 28% in 2011. All the projects were launched according to the profitability parameters established by the company and showed [indiscernible] moment high sales level, with speed of sales in the fourth quarter totaled 20% or 25% x Tenda.
Although we have achieved the operating metrics established for our plan in 2012, the financial results in Gafisa and Tenda were still substantially impacted by the projects -- the margins developed in the nonstrategic markets and by Gafisa's high leverage and by Tenda's legacy management. Now Alphaville, which had an excellent financial performance managed to partially offset the poor results in Gafisa and Tenda.
And the focus on the positive generation of cash was the most important thing this year. The record on units delivery benefited the cash generation, as we can see on the left-hand side of this slide. This chart shows the consistent improvement in our cash position throughout the last 2 years, with a turnaround of the second quarter of this year when the generation of cash became positive. This positive generation has been constant for these last 3 quarters, achieving in the fourth quarter a generation of BRL 381 million, a total of BRL 685 million in the year.
On the chart to the right, you can see inflows and outflows of cash and contributions by each account. We must highlight the contribution of transfers during the year, which generated more than BRL 2 billion entries into the company.
Slide 6, the sales over supply, which improved in both the quarter-to-quarter and year-to-year. Next, Tenda's speed of sales for the fourth quarter was 25% compared to 23% in the third quarter and 18% in the same period last year. Including Tenda and in spite of the impact of contracted solutions, the speed of sales was still very strong in the quarterly comparisons and annual.
Sales, as a percentage of launches, increased year-to-year 67%, while inventories at market value increased 21% referring to the -- and reaching BRL 3.6 billion with the contribution of high volume of launches occurring in the last quarter of the year.
Slide 7. 27,000 units were delivered, 20% more than the previous year, above the guidance. The highlight was Tenda, where we delivered 16 -- almost 17,000 units, a PSV of BRL 1.76 billion. The delivery of Tenda projects is essential in the further process of reducing complexity of the business, so that we can make the operation likely [ph] for the execution of launches for the new fundamentals.
In Gafisa, the delivery of 7,505 or 44 projects was essential to the generation of cash this year. We have improved our transfer focus, anticipating the post-delivery transfer curve.
On Slide 8, we have our landbank. In 2012, we have realigned the profile of our landbank through our strategy expansion. On a consolidated basis, our PSV totaled BRL 18.7 billion or 87.7042 units. Of our land bank, we have acquired to swap 35% of the Gafisa brand, 99% in Alphaville and 23% in Tenda. Throughout 2012, we had a strong increase of the landbank of Alphaville with a growth of 48%. In 2013, we plan to accelerate the investments through the acquisition of land through growth for [ph] Gafisa and Tenda brands.
Slide 9. In 2012, Gafisa segment totaled BRL 1.6 billion in launches, almost the top of the guidance. All launches occurred in São Paulo and Rio, keeping a focus on the higher-margin markets. The speed of the Gafisa product sales in the quarter was very healthy. We totaled 20% of SOS and 48% of sales on launches. The delivery of lower-margin projects outside our strategic markets should be concluded in 2013, which should result in better future margins. Whilst we had an improvement in the performance of sales in inventory, the speed of sales outside our markets -- our key markets was still low. Although, we have delivered these projects -- this will close in 2013, the sale of the inventory should be finished early in 2014.
Slide 10. We have increased intentionally the participation of Alphaville in the mix of business of the company and growing from the volume of launches of the total of group from 28% in 2011 to 46% in 2012. With this and keeping Alphaville client profitability, we'll maximize even more our land development and its contribution for the consolidated results. This was possible, thanks to the priority reallocation of capital to the brand focusing on continued growth.
The launches of Alphaville in the year totaled BRL 1.3 billion, a growth of 38% in the year, in line with the top of the guidance. Launches were distributed between the Alphaville projects and the phases of [ph] Alphaville. The sales of launches accounted for 81% of the total of sales for the year, while 19% came from inventory. The speed of sales of Alphaville in the quarter was stable, 35%. Now sales over launches were 73%, much higher than the 55% registered in the former quarter. 2,713 units in 2012 were delivered.
And Slide 11. During this year, Tenda's management implemented many corrective measures going to -- on the execution of delivery of projects. During this period, the launch of units -- new units was suspended to reestablish the control of financial cycles, operating and building, targeting a sustainable growth for -- regrowth after the slowdown.
Our results of 2012, while in line with the guidance and our portfolio of receivables is improving and our exposure to credits. We are practically delivering all the tenders, and our expectation is that we should be finishing in 2013 and the rest in the beginning of 2014, having delivered 17,000. Approximately 13,000 units or 25 projects are still under building. This was a substantial reduction, as we had 84 projects ongoing at the end of 2011.
Evident at the beginning of 2012, the recognition of presales and the compensation of Tenda's sales force are directly related to the capacity of transferring real estate financings to financial institutions. The Tenda brand shows a healthy sales speed in 2012 and had a receivables portfolio of the best quality. Of the 9,200 units that came back to stock, 68% were already resold. After coming back to the control of financial and operating cycles of the company in 2012, we were ready to launch in the first quarter 2013. The first projects will be launched in São Paulo, the Northeast where the performance is better.
Now let's go to the financial data. And I would like to ask André to take the floor. Thank you.
Andre Bergstein
Good morning, and thank you for being here. As you may see on Slide 13, the Gafisa Group has reported today a loss of BRL 125 million. This loss is due to the impact to the low margins of Tenda and Gafisa's projects to nonstrategic markets and also the effect of the held financial expenses on our financial statement. The net income of 2012 was BRL 3,900,000,000, an increase of 34% in relation to 2011. The gross income of the year is BRL 1 billion, and the gross margin improved in the annual comparison, 26% in 2012. Excluding the impact of Tenda, the margin could have been 31%.
The EBITDA was BRL 479 million, a margin of 12%. This result is made up particularly by the contributions of Gafisa and Alphaville. Tenda's contribution for the EBITDA of the year was still negative, impacting the consolidated results.
Excluding Tenda's operations, our EBITDA -- adjusted EBITDA margin would have been 18%. In 2013, we will be delivering a relevant part of the last project for Tenda, where we will find lower gross margins. And due to this, as we'll see in the next slide, we have managed to identify the improvements of the gross margin. And in Gafisa, the margins continue to -- very high, contributing positively to the consolidated results.
As we may see on Slide 14, as we break down the margins according to market, we may identify the difference in the performance of Gafisa brand in the strategic markets of São Paulo, Rio de Janeiro and other markets. The gross margin of 2012 in the projects in strategic markets were 29%, whilst that of in other markets was negative 1.1%. And based on these numbers, it seems that the strategy adopted was correct. Throughout the quarters in 2013, we will see this trend becoming real.
And as from 2012, we can highlight the effects of land sales and on the results of the company, if on the one hand the sales was positive for the main objective of 2012, that is cash generation; on the other, the gross margin of 13.9% negatively impacted the result, but -- so as I have said, we -- negative margin of 13.9%. In fact, it's negatively the consolidated margin.
Slide 15. The fourth quarter of 2012, we had a loss of BRL 98 million. We had BRL 920 million and a drop of 13% vis-à-vis the BRL 1.064 billion [ph] registered in the third quarter. And what lead the mixed revenue was because of the less sold of inventory, less monetary correction of the portfolios and assets BRL 60 million and receivables, BRL 39 million.
The gross income, BRL 223 million compared to BRL 388 million in the third quarter. The gross margin was 24.2% compared to 29% of the former quarter. The gross margin in the fourth quarter would be 29.3%. And the company had an increase because of the concentration of volume of launches in the fourth quarter 2012, which represented 50% of the launches of 2012.
What my sources say regarding operating expenses, this company had a negative impact of BRL 27 million regarding depreciation and amortization because of the criteria used for the recognition of certain expenses.
Slide 16. We have the general admin expenses, which were BRL 346 million in 2012, accounting for an increase of 38% vis-à-vis 2011. This annual variation is distributed basically throughout 4 main variables: Expansion of Alphaville operations. Because of its growth, Alphaville increased its headcount to make its structure more adequate to execution. Provision of the bonus. In 2011, with exception of Alphaville's provisions for bonuses, payout for services, for auditing services and an increase of the stock option plan.
Slide 17. We have sales and revenues of the group brands according to the launches. Throughout 2012, the Gafisa brand accounted for 51% of the revenues; Alphaville, 21%; and Tenda the 28% remaining. Regarding the sales, Gafisa represented 61%; Alphaville, 42%; and Tenda, minus 3%.
The contribution of revenue per date of launch depends on the financial cycle of each one of the brands. You may notice that Gafisa, as it has a longer cycle, had a more concentrated revenue contribution from the launches of 2010 and 2009. Now Alphaville, which has a shorter financial cycle, had a greater contribution over -- of launches in 2011 and 2010.
On Slide 18, you may see how Gafisa and Alphaville margins contribute positively for the balance -- the backlog results to be recognized. The total of BRL 1.5 billion in the fourth quarter, with the margin to be recognized at 39%. Less of Tenda, the margin to be recognized would be 42%.
Although the revenue volume to be recognized in the annual comparison had dropped, the margin showed an improvement, reflecting the corrective steps that were taken at the end of 2011. In the quarter-to-quarter, the margin to be recognized went from 35.4% to 39%. This improvement is explained due to -- because of relaunches carried out in the last quarter of 2012 and also, these launches had higher margins.
Slide 19. We have the net debt over EBITDA. In view of the focus on cash generation, our cash position increased during the year, going from BRL 984 million at the end of 2011 to BRL 1,681,000,000 at the end of 2012, an increase of BRL 700 million. The generation of consolidated cash in the fourth quarter was BRL 381 million, which led to the generation of free cash of 2012 to BRL 685 million, a significant reduction of leverage.
The net debt equity ratio went from 106% in the third quarter to 95% in the fourth quarter 2012. In the fourth quarter 2011, this ratio was 118%. Excluding project financing, this number is 15% compared to 28% 1 year ago. At the end of 2012, the corporate debt accounted for 49% of the total debt. Now the debt regarding project financing accounted for 51% of the total debt. We believe, with this liquidity position, we are in a comfortable position to execute our business plan.
And now let's go to Slide 20. This table shows a summary of the debt profile and maturity. In the fourth quarter, our total debt was BRL 4.2 billion. Throughout 2012, we worked together with our creditors to negotiate part of our debt. So to better structure our maturity profile and make it more adequate to Gafisa's operating cash flow and thus, we will manage to renegotiate BRL 700 million with a maturity between June 2012 and December 2013. Today, 31% of our debt will come due in 12 months. In September 2012, the 8% of the due was short term. Of the short term, 54% has to do with projects debt and 46% corporate debt. In view of this unique rate, which has dropped, our average nominal cost has dropped to 9.28% in the year. Gafisa today is in compliance with all its debt covenants.
Slide 21, we have the position of our receivables and inventory. You may note that our obligation with our construction costs to be incurred were BRL 12 billion in December 2012. Regarding the same project, we had a portfolio of BRL 7.9 billion in receivables, which refer to already sold units. The total of receivables plus the stocks, BRL 11,600,000,000, which leaves us in a very sound liquidity position to execute future projects.
Now Slide 22. Gafisa, because of its policy in 2012, is now in a comfortable position to finance its operations and honor its debt position in 2013. We will have a better balance this year with our investment and because of less leverage. We are better positioned to increase, although in a conservative manner, our launches and come back to the Tenda brand and once again, invest through land acquisitions which are compatible to our organization.
Plus we will have a new launch guidance for 2013 with a maximum of BRL 3 million to continue with our regional focus for Gafisa and strategic markets for Alphaville. They should account for about 88% of the launches and 40% for Gafisa and 46% for Alphaville; and for Tenda, about 12% of the year's launches.
And the debt equity was 9% (sic) [95%]. We estimate the -- this to continue. And the EBITDA will be 12% and 14% in 2013. And the margins will continue to be impacted by the evolution of Tenda's projects, including the delivery of the 7,000 units in 2013 and the delivery of the projects with lesser margins and outside key margins, which will be concluded in 2013. And finally, Gafisa will be delivered between 13,500 and 16,000 (sic)[17,500] units in 2013, of which 27% will be delivered by Gafisa, 43% (sic) [45%] by Tenda and 27% by Alphaville.
Thank you very much for your attention. And now let us go on to the Q&A.
Question-and-Answer Session
[Operator Instructions] Our first question comes from Mr. Marcelo Motta from Chase Morgan.
Marcelo Garaldi Motta - JP Morgan Chase & Co, Research Division
I have 2 questions. First, I'd like to understand the target for the next year. Now in 2012, cash generation and the deleverage, I'd like to understand what are your plans for next -- for this year? And with the landbank, I understand that with less cash generation in 2013, what about the investments in land? When you look at the landbank, you have BRL 18 billion under your landbank. So I'd like to understand that this -- are you going to sell off some land or what's going to happen? I'd like to know what the breakdown would be for next -- for this year.
Alceu Duilio Calciolari
Marcelo, this is Duilio. Well, regarding our plans for next year, you are probably referring to 2013, right, this year? Well, it's true, if you take -- well, we have gone into some details in the material. In 2012, the organization was focused on generating cash. This was our main target and deleverage. So our model determine its targets, elimanating some points and we had 50% cash generation and 50% leverage. Obviously, these 2 targets cover loss in common because when you generate cash, you deleverage. So this is what we did in 2012. In 2013, we are changing a little, and we are balancing the targets between deleverage and cash generation and investments. So half of the eliminated targets, 50% will be focused on results generation, and the other half, deleverage and debt. So what we are doing is adjusting the management of the company towards a moment of generating value. This has already been done. The whole organization already has the target in hand. This is what all the brands will be doing. So when we take and observe the list of brands, we put in some balance between cash generation and deleverage. But all the brands will have these targets. When you talk about the landbank, when you mentioned BRL 18 billion, of the BRL 18 billion, BRL 11 billion is Alphaville; and we have Gafisa about BRL 5 billion; and Tenda, say it's 7 -- BRL 5 billion; BRL 11 billion Alphaville and BRL 2 billion Tenda. The investment question is much more focused on Gafisa and Tenda. Those BRL 5 billion that you'll see in Gafisa is sufficient to deal -- to cover what we are preparing for 2013. In other words, land, which is ready to be launched in 2013, either through approval or for the market, these are the minimum conditions that we need. The approval in the market, which is not enough for the plans for '14 and onwards. Largely, in Gafisa, we bought 1 plot. The company did not resist. And consequently, if you take the business part of Gafisa last year, it was reduced because the landbank was not mature for this year. We are talking about approval market. And the thing is, usually when this occurs, things take longer to mature. In the case of Tenda's sequential geographic coverage, we have to grow, adding to Tenda's landbank in the region which we have decided is strategic, a landbank that leans to the fact that the operation will continue on throughout the years, throughout the quarters so as not to interrupt or rupture with Tenda's productive focus. You know very well that we have a production technology based on aluminum, and production continuity is important. So we are preparing the landbank for continuity and growth.
Our next question comes from Mr. Luiz Mauricio Garcia from Bradesco.
Luiz Mauricio Garcia - Bradesco S.A. Corretora de Títulos e Valores Mobiliários, Research Division
There are 3 questions. First one, securitization that you had during the quarter, BRL 170 million. My first question, if a lot of this is coming from Alphaville, the receivables with a due [ph] of GPM plus 12, I'd like to know why there is such a big discount of 17%? Alphaville, I think, was 18% net of BRL 110 million. And why is it not securitized, as this is still being adjusted? We see that the securitization led to a net value of BRL 110 million. And on 31st of December, I think it was already BRL 113.5 million, an increase of 2.5% in a period of 1.5 months. BRL 110 million resulted. So I'd like to know why this correction or adjustment was continued. I'd like to understand the dynamics of this operation. And the second question, the G&A. Can we expect any cuts after the delivery of the Tenda -- the legacy in '13 and '14, or is all the platform that we have in the company today, will it be maintained fully for the new volumes and the new launches? And my third question was about Tenda. We see that there are some units, Tenda units, that have not yet been started. Their construction is just beginning, and the last launch of Tenda was 2011. So this is already quite a long time. So Tenda has 20 million in stocks still. So a large number of units still, so I'd like to know why this has happened, and perhaps, this new construction is already late.
Sérgio Goldman
Just a minute please, Luiz. Just to clarify what I said to Marcelo. When I said our targets were debt and results, Marcelo, the results that mean net income, the mandatory target for the company. And also, it is important to comment that our targets have become annual. In other words, the company is structuring the targets. For '13 and '14, the management of the targets for the people, it has to be within the business cycle of our activity. Just to clarify that to you, Marcelo.
Andre Bergstein
Well, Mauricio, this is Andre speaking. Regarding the securitization in the last quarter, we had 2 operations. One was the AlphaVille receivables. One that is due, one other that is not. The total would be BRL 150 million, but referred to the partner participation and BRL 110 million AlphaVille. And the second operation of credits of Gafisa of 2 projects, which will be delivered, BRL 60-odd million, where -- and with the 2 together, about BRL 170 million. So I want to understand exactly your question regarding the securitization operation.
Luiz Mauricio Garcia - Bradesco S.A. Corretora de Títulos e Valores Mobiliários, Research Division
My question, Andre, in Note 5, Alphaville securitizations from November 14 has a net of BRL 110 million and face value of the same was 134. There was a discount on the face value of 200%. If the receivables or a majority of them are recognized, GPM plus 12, it seems that they should not have had such a large discount of 200%, maybe, GPM plus 10. I would like to know why there was such a high discount.
Andre Bergstein
Well, the AlphaVille receivables has the GPM correction. So you have the discount and that has a greater impact. So you're comparing your BRL 135 million nominal value with BRL 113 million discounted value and built in, not only inflation, but the total discount of interest, another in the [ph] spread. So this is what happened, that's why you get the difference.
Luiz Mauricio Garcia - Bradesco S.A. Corretora de Títulos e Valores Mobiliários, Research Division
So this would be in a range above the GPM plus 12?
Andre Bergstein
No, in fact, the receivables had a nominal value of 135. You have the correction, BRL 135 million is the nominal flow throughout time. So when you discount that, the range that we discount during operations, you'll have the discount of this range.
Luiz Mauricio Garcia - Bradesco S.A. Corretora de Títulos e Valores Mobiliários, Research Division
In fact, you went up to 12 and then, came back to the range of the operations. So the 135 already has the 12. And once it's securitized, why does it continue to be adjusted or restated on your balance sheet? On the 31st of December, you had BRL 113 million. The difference between BRL 113 million and BRL 110 million. BRL 110 million, I rounded it -- I just rounded it up. That's all.
Andre Bergstein
No, on the note, on your note... Well, we can talk about that later, if you like.
Luiz Mauricio Garcia - Bradesco S.A. Corretora de Títulos e Valores Mobiliários, Research Division
Does it continue to be restated or adjusted even after the securitization?
Andre Bergstein
Well, the assets and liability continue on the balance sheet. In this operation, we had a subordination of 4%. So although there's a low subordination, we don't have the obligations but the assets and liabilities continue on the balance sheet. That's why you have this correction. Your second question on what we are we going to have from now on? We have a structure today, especially in Tenda, where we are taking care of the legacy, completing the delivery of the project and performing or we'll launch the projects today, Tenda's projects today. So this is a structure which we are managing the past legacy, delivering the past project, very complex. The complexity has been reduced compared to the past. And now we will regain the management. From now on, in Tenda, as you have seen, we will have a better balance. Regarding the reduction of the amount of work that has been reduced over the years and we will have new launches. So what we see from now on is stability. There will not be too much reduction because business is now being regained. And specifically, the last point which you mentioned regarding the inventory which exists in Tenda project, there is a project in Minas, which was not allowed to go on. So that was stopped for a while. And now we may continue, we have been allowed to continue. And to conclude on the securitization, the rate is not 18%. It's about 8.5% inflation.
Our next question, Eduardo Silveira.
Eduardo Silveira - Espirito Santo Investment Bank, Research Division
I have a question about gross margin. Looking at 2012, the total operating expense was 21% of the revenue. With this level of 22% of expenses, the gross margin would be 33%. So how does the company see the gross margins from now on? We have Gafisa's margin and the effects of the state of land, et cetera, at 28% and the gross margins of Tenda being pressured. So I don't think that there is a formal guidance for these gross margins. But how does the company consider the gross margin of the company, including, perhaps, to improve the reform?
Alceu Duilio Calciolari
This is a Duilio speaking. Well, if you analyze Slide 14, we tried through this slide to show what is the direction of the gross margin when we would have finished our focus of concentration in Rio-São Paulo. We are talking about 34%. I think and we hope that this number will be around that when we talk about Gafisa. We do not see a number very different than 34%, 35% as our gross margin, as we eliminate projects outside São Paulo and Rio de Janeiro. In the case of Alphaville, we expect this margin to be maintained about 50%. We think that margin is -- will be maintained for the volume. But in Gafisa, there is still a growth capacity and this is what guidance points to. It's conservative, but speaking to maintain the margins, we still have a growth of about 10% in Alphaville. In the case of Tenda, which is more difficult to talk about, but we have a target of gross margin. We don't think that it should exceed 30%. We are talking 28% to 30%. And Tenda is more of a turnover with the margin, that's the game. We have 3 different businesses: Tenda, which is more turnover, lower margins; Alphaville, higher margin, higher turnover, the 45% margin; and Gafisa, in between. So this is the dynamic that we expect. And still, in the process of tidying up the house to include Tenda because the impact was so irrelevant, we already have an EBITDA margin of 19% and gross margin of about 30%. So that's what the company thinks.
Eduardo Silveira - Espirito Santo Investment Bank, Research Division
Well, Duilio, going back to the numbers. At Tenda, you said BRL 500 million and also inventory, what gross margin, with some respect, with this legacy of Tenda of BRL 1 billion?
Alceu Duilio Calciolari
Well, in Tenda, we had 25%, and it will exceed the results. It will be less than that. We cannot accept just expenses of operations that -- meaning, that expenses of technical assistance; some expenses with integration. These expenses are not captured in the gross margin. That's why Tenda is Tenda. It has the gross margin which is lower, and this will continue. But as long as we do not deliver and conclude the units, we will see the impact of this margin of Tenda. This will occur during 2013 as well because they have about 13,000 units still to be delivered.
[Operator Instructions] Our next question comes from Mr. Rodrigo Caparelli [ph] with Citibank [ph] Management.
Unknown Analyst
Although the liquidity guidance was informed, there was no guidance for the operating cash generation. So what would be the generation of operating guidance for 2013?
Andre Bergstein
We did not disclose the operating cash guidance for 2013. What we disclosed was the stability regarding our guidance, net liquidity over equity, net debt over equity of the year that just had come to an end, 2012.
[Operator Instructions] Our next question comes from Dany Capadeni [ph] from Citibank.
Unknown Analyst
I have 2 questions. Is there any level regarding your net revenue that you're estimating from now on? And second, regarding cash, what is the minimum cash level that you wish to keep at the company especially with this debt amortization schedule that you have for 2013?
Andre Bergstein
G&A for the company on the average should stabilize regarding this company -- or all the companies that are in the turnaround process. So we think we'll have a healthy G&A, for a company like ours. Regarding the stabilization of launches of normal flat levels, we shouldn't have more than 12%, an average of 12%, which is the ideal or a healthy level to operate a company like ours. Like, as far as cash flow, I think we have a liquidity level today which is adequate to honor financial commitments and cover this company's plans for 2013. Our maturities are well distributed. Many of them have to do with project financing, which will be honored. Some of them are finished and others about half, 50%. Corporate debt, we have liquidity and cash. So we have today cash. We had almost BRL 1.7 million in cash at the end of the year, which we think is more than sufficient. Between 10% and 15% would not -- it will reduce at 7% [ph] and so it would not affect things too much to honor our commitments with our due debt.
[Operator Instructions] We have one more question from the webcast. [indiscernible] from HSB [ph] .
Unknown Analyst
What about the stock buybacks? How much has already been bought?
Andre Bergstein
In the buyback plan, which was on the slide here, we have bought back stocks, a lesser part of the program. And we understand that it's mixed. Then, we will continue with buying back up to 10 million shares as an investment in the company.
Next question, Rene Brandt from Fator Corretora.
Rene Brandt - Fator Corretora, Research Division
A basic question. What about the accounting adjustments?
Andre Bergstein
We had some impact on our balance sheet. We had a lower sale of the remaining of variations and impairment of assets. We had the writeoff of some assets to try to free some land and some assets with control to the program, nonrecoverable, and some loan losses. And then continuing, we had some expenses with sales because of the strong launches that we had in these last quarters. And also, some questions regarding the accounting criteria of which they -- the company understands and investments going from CapEx to OpEx. So in summary, that was what happened.
Rene Brandt - Fator Corretora, Research Division
So the loss loan [ph] , is this receivable at a client level or from partners, or is it a mix?
Alceu Duilio Calciolari
This is the difference between clients, partners, services -- a mix.
Rene Brandt - Fator Corretora, Research Division
But the clients should have a guarantee, right?
Alceu Duilio Calciolari
Well, in some cases, yes, we do have a guarantee. If we cannot proceed with this, sometimes they did not.
[Operator Instructions] So we would now like to close our Q&A session. And I would like to ask our CEO to make his final remarks. You may proceed, sir.
Alceu Duilio Calciolari
I would like to thank you, all, on behalf of the management of Gafisa. And I hope you'll be back at our next call. And we are actually at your disposal for any details or any other questions. So please get in touch with our Investor Relations department. Thank you very much. We'll see you again soon.
Gafisa's conference call is now closed. Thank you very much for your participation, and have a good afternoon.
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Paul Newman once talked David Letterman into repowering a then-new Volvo 960 station wagon with a supercharged Ford 5.0-liter V8. No, that's not the setup to a joke. Letterman recently handed over the keys to his 380-horsepower family hauler to Jerry Seinfeld for the latest episode of Comedians in Cars Getting Coffee. The two talk about how the machine nearly barbecued Letterman while he was on his way to a cardiologist appointment, then they sit down for a more lengthy discussion on the comedy
David Letterman
17Seinfeld drives David Letterman's V8 Volvo wagon in latest CiCGC
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44Sebastian Vettel gets surprisingly technical with David Letterman
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Two-time defending Formula One World Champion Sebastian Vettel appeared on CBS' The Late Show with David Letterman Monday night as part of an F1 media blitz.
53Video: David Letterman buys a Ford Fusion on air, Nissan Juke gets dissed
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22Video: Bill O'Reilly and David Letterman kind of, sort of agree on electric cars
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David Letterman and Bill O'Reilly talk electric cars – Click above to watch video after the jump
48Your late-night TV preference says a lot about your taste in autos
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These days, there are some serious battle lines drawn around which late-night host you prefer. With the embattled Conan O'Brien taking to the airwaves for the first time since being ousted from NBC, we can all but guarantee another outpouring of down-with-Leno sentiment. But who are the rank and file that make up the heart of each suit's fan base? Who is it exactly that watches Letterman, and how do they differ from Stewart's army of fans?
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David Letterman driving a $25,000 motorized cupcake - Click above to watch the video after the break
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1997 Peterbilt dressed as Optimus Prime – Click above for image gallery
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68VIDEO: Letterman gives ground on Volt, asks Lutz for first production model
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Click above to view the video after the jump
49VIDEO: Letterman gives ground on Volt, asks Lutz for first production model
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Click above and scroll down to watch video after the jump
40Bob Lutz will appear on Letterman next week to refute Volt claims
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Two weeks after late night comedian David Letterman lashed out at the Chevy Volt's 40-mile EV range during an interview with Tesla Motors CEO Elon Musk, General Motors is counter-attacking with former Vice Chairman Bob Lutz. Next Wednesday night, Lutz will appear on Letterman's Late Show with the Volt show car. Lutz is generally pretty good at holding his own in interviews, but it will be very interesting to see how he rebukes Letterman on his own turf. The latter generally keeps a pretty tight
23Bob Lutz to take on Letterman next week to refute Volt claims
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Two weeks after late night comedian David Letterman lashed out at the Chevy Volt's 40 mile range during an interview with Tesla Motors CEO Elon Musk, GM is counter-attacking with former vice-Chairman Bob Lutz. Next Wednesday night, Lutz will appear on Letterman's show with the Volt show car. Lutz is generally pretty good at holding his own in interviews, but it will be interesting to see how he rebukes Letterman. The latter generally keeps a pretty tight rain reign and controls the action, just
59Bob Lutz on Letterman's Volt dis: Stupid Human Trick
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The common wisdom shaping up around Dave Letterman's smackdown of the Chevy Volt Wednesday night: not funny. The latest to chime in on Dave's dismissal of the work that GM has done with the Voltec technology is one of the Volt's biggest supporters: Bob Lutz. Lutz, GM's Vice Chairman, wrote a piece for the GM Fastlane Blog calling Dave's interview of Tesla Motor's Elon Musk a "Stupid Human Trick."
54VIDEO: Letterman meet Musk, Musk meet Letterman. Got it? Good. Let's all hate on Chevrolet's Volt
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Click on the image above to watch the video
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Dave gets a charge out of the Tesla Model S
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Tesla Model S – Click above for high-res image gallery
30VIDEO: Alex Roy on the Late Show with Letterman
You may remember Alex Roy as a member of Team Polizei, which drove a BMW M3 across the continental U.S. in the unofficial record time of 31 hours and 4 minutes in late 2006. The record is unofficial because maintaining an average speed of over 90 MPH for a day and a half isn't exactly... legal. You can read about the monumental effort required of Roy and his team in his book The Driver, or you could watch the video after the jump of Roy's appearance on the Late Show with David Letterman last Tue
AddLetterman Top 10 includes Toyota's message on Gore's answering machine
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The design of your EMS System's preparedness planning must include the local and regional hospitals. Each EMS service must participate in the surge capacity planning for the hospitals to assure a smooth transition of care during times of crisis.
Christopher Riccardi, CHSP, CHEP
Chris riccardi is the Emergency Management O cer, disaster Preparedness and Project Coordinator for Providence Little Company of Mary Medical Center Torrance. His responsibilities include oversight of the hospital's management of the federally funded Healthcare Preparedness Program and development of various hospital training programs related to disaster preparedness. Chris currently presides as the Chair for the California Hospital Association's Emergency Management Advisory Committee. Chris also represents hospitals as a member of the Los Angeles County EMS/department of Public Health disaster Coalition Advisory Committee.
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On average, a physician will interrupt a patient describing her symptoms within eighteen seconds. In that short time, many doctors decide on the likely diagnosis and best treatment. Often, decisions made this way are correct, but at crucial moments they can also be wrong -- with catastrophic consequences. In this myth-shattering book, Jerome Groopman... more...
Passing the FRACP Written ExaminationWiley 2013; US$ 90.95 US$ 78.82
Passing the FRACP Written Examination is the ideal study aid for candidates of the Fellow of the Royal Australasian College of Physicians (FRACP) examination. Written by a team of physicians based at Flinders Medical Centre, and covering the key components of the FRACP basic training syllabus, this guide presents over 500 multiple-choice questions... more...
Rapid Review Anesthesiology Oral BoardsCambridge University Press 2013; US$ 60.00
Focusing on the most commonly tested topics, the book provides those studying for the oral board exam with model answers. more...
How to Teach in Clinical SettingsWiley 2013; US$ 42.95 US$ 37.22
How to Teach in Clinical Settings is a practical guide to support all doctors wishing to develop their skills in clinical teaching and supervision. It provides hands on strategies to address common problems such as giving critical feedback effectively and teaching mixed-level groups. It gives guidance on the particular challenges of teaching in... more...


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2nd Signup Night!!!
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Every day is a challenge, even in a battle between my body and me. Don't get me wrong, I do have a choice in what I put in my body, but how my body functions or even appears is outside of my control because of ALS.
Read Whole Story
As if being diagnosed with a terminal disease (for the record, I have no intention of letting this beat me) isn't bad enough, it is a disease that the general public has never heard of or knows very little about.
What we detect of the world outside -- not to mention all our interior processes, phases, and workings -- is only a tiny fraction of what is there.
No press is bad press when it comes to creating awareness and action around a disease as devastating as ALS. After the conclusion of the AFC champions...
To be aware of this tragedy is one thing, to find out how you can help, is a solution. What can you do to help these women and children? The problem is large, yet the solution begins with one step toward spreading awareness and protecting our children and stepping up to lend a hand.
A meditation practice leading to the understanding of our eternal self as awareness gives us just enough separation from our internal soap-opera production for us to be a little more loving, less fearful and controlling, more aware of the needs, hopes and dreams of another.
In silence we find the steps within where everything that is good is present. In silence are the steps to perfect joy. Whether we are busy with the details of modern life or live as a monk and mystic in the woods, sooner or later each of us will travel the inner silence of our hearts.
Meditation doesn't have to be stuffy and/or elitist. We get to be who we are -- that's the whole (terrifying) point. We are so richly overflowing with treasure, each of us. Once we get up offa' our things and begin experiencing that, we begin reclaiming our treasure.
This year, I have decided to adopt a new way of thinking, being, and doing that continually radiates my inner core, casting a transcendent light through every moment of my life. My resolution, for now and for always, is to live an uncluttered life full of light.
This season, we can give ourselves the gift of embracing our hearts in silence. Our crowded thoughts come from a crowded heart. Taking time to enjoy silence is time for the simple beauty of life.
A fact-of-life in America today is that people keep guns in their homes. Maybe you don't have guns in your house, but other parents do. So, it makes sense for parents to ask about guns every time they drop their children off for a playdate, or sleepover, or birthday party.
Connecting through the use of drugs and medicines is like sneaking into Source's backdoor and seeking the answers to questions without having the knowledge and understanding of how the spirit world works.
Pausing is an introductory mindfulness practice, but it offers a feasible and practical technique with which to start. Over time, training attention and awareness enhance cognitive functioning and contribute to emotional balance.
Consciousness came first, awareness came next. Maturity followed. I am sure the answers to what maturity is would be different for each of us, but answering that helped me identify my values and my goals.
Holiday time -- as far as I'm concerned -- is the best time to be a New Yorker. There's life, energy, and beauty all over Manhattan. I sincerely thought I was paying attention to the greatness of it all -- until this past Friday afternoon, that is.
Americans who aspire to see America truly thrive need to understand that it is a battle to implement any substantial change in America, but this is a battle worth having - not just for our own sake, but for the sake of future generations.
I had a mission before the election because I knew that I was lost when it came to politics. The stories and information during political segments of the news seemed to go in one ear and out the other. I had a knowledge gap, a void that I wanted to catch in its tracks.
It would be easy to get lost in all kinds of philosophical arguments about how we define who or what we are. This is about finding some space in the mind, less judgement, a greater sense of perspective, in which we see this fundamental truth for ourselves in a very direct and personal way.
Choose freedom. Dare to think for yourself. Your very choice is an expression of affection for the true you. I think Alan Watts would agree there is no more noble act than to elevate your consciousness above the roar of what others have to say, so you can hear what you have to say.
To let go and fall into the arms of silence carries us into the sweetness of surrender. It is to become a master in the humble art of living.
Here and now are our birthrights -- like life. Do we need to do anything in this moment to be alive? No. Life takes care of life. Do we need to do something to be in now? No. It is already -- and always -- now. It can only ever be now.
Most days, I am attempting peaceful coexistence with my ego mind. Knowing that I have a higher mind helps, but the voices of the lower mind chatter and yell as if they are the masters of my universe.
The more we pay attention to the sense of another's love, to a place that provides beauty and ease, to our own strengths and aspiration, the more we connect with the heart space that will offer a healing refuge.
As soon as we enter into silence, there are gifts that renew and strengthen our essential selves. These gifts are qualities that enlighten and bring real joy. I call these qualities "muscles of the heart."
Saturday, December 1st is World AIDS Day. The theme this year highlights our public health goal of "Getting to Zero" -- that is, zero new cases of HIV. We couldn't be further from this goal, especially in the black community.
Get top stories and blog posts emailed to me each day. Newsletters may offer personalized content or advertisements. Learn more.


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PUNJAB NATIONAL BANK RTGS HO Branch in ARRAH BIHAR - Address, IFSC, MICR Code
PUNB0002200MICR Code
ARRAH CHOWK DISTT. BHOJPUR (BContact
CHOWK ARACity
ARRAH BIHARDistrict
ARRAH BIHARState
What is IFSC Code of PUNJAB NATIONAL BANK situated at ARRAH CHOWK DISTT. BHOJPUR (B- RTGS-HO?
IFSC Code of PUNJAB NATIONAL BANK situated at ARRAH CHOWK DISTT. BHOJPUR (B - RTGS-HO is
What is the meaning of IFSC Code, MICR Codes in Banking industry?
IFSC or Indian Financial System Code is the code allocated to all banks branches. Bank branches use this code to participate in RTGS and NEFT transactions.
What is the significance of IFSC Code and how we can use it?
IFSC Code is a 11 digit code and we can use this code to communicate between different branches of different banks. Upon receiving the request for fund transfer it is easy for a bank to identify the payee branch. First four characters are code of bank, last six digits are branch code and fifth character is left 0, for any future use.


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Dog Friendly Holidays
Pet Friendly Holidays For The Whole Family
At Park Holidays UK we welcome responsible pet owners to our parks and want to make holidaying with your pet even easier!
Pets benefit as much as us from a change of scenery, and owners won't have to fret that their pets are pining for them in expensive boarding kennels far away. There's plenty of room in a caravan holiday home for everyone, and most of our holiday parks are a great place to exercise a dog on a lead - with many excellent walking areas available nearby too.Pet friendly holidays can be booked today online - just look for the "Pets Welcome" Symbol on the accommodation type that you are booking and add your pet as an Extra during the booking process. Alternatively call 0343 178 7070 for more information today.
Dog Friendly Accommodation
Only the best for you and your family friend!
As well as pet friendly bronze accommodation, pets are now welcome in selected Silver and Gold standard holiday homes too - meaning even more choice for our pet-loving holiday guests.
Travelling With Your Dog
Ensuring a smooth journey for all the family.
When travelling with your pet it's important to make sure they are as comfortable as possible. Read our handy tips to make sure your journey is stress-free.
Dog Packing Checklist
Don't wanna miss a thing!
To make sure you don't forget an important item when preparing to take your beloved pet on holiday with you we've compiled a handy checklist.
Dog Walking Routes
Take a walk on the wild side.
We're certain there's nothing your dog likes more than a good walk. We've compiled a brief list of dog friendly walks local to each of our Holiday Parks, perfect for your canine constitutional.
Pricing And Charges
Bringing your Pet
There is a charge of £40 per week and £25 per short break per pet.
Holiday Pets Gallery
Send us your photos!
We love seeing your pet's holiday snaps! Email your best shots to [email protected], or send us a tweet @ParkHolidaysUK with the hashtag #ParkHolPets and we'll include them in our Holiday Pets Gallery!*
*Please note that any photos submitted to Holiday Pets Gallery may be used for marketing purposes, including on our website and social media channels. If you do not wish your photo to be used in this way, please specify on submission.
Guide Dogs/Registered Assistance
Here to help.
There is no charge associated with Guide Dogs and Registered Assistance Dogs when staying with Park Holidays UK. For more details please contact the park prior to your visit.
Dogs listed in the Dangerous Dogs Act 1991
Almost all dogs are welcome at our parks and in specific holiday homes with a maximum of two dogs per booking. However some breeds of dog are not allowed, including those listed in the Dangerous Dogs Act 1991. This includes: Pitbull Terrier, Dogo Argentino, Filo Brasiliero, Japanese Tosa. If you are unsure whether or not your dog is allowed on park please do check prior to booking.
Other Pets Welcome!
It's not all dogs, dogs, dogs.
We accept many other pets too! So there's literally no reason to leave anyone at home when staying with Park Holidays UK. Other pets may be permitted at the discretion of the Park General Manager, please check when booking.


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The Plan
A six-month program to prepare you for the 24 Hours of Moab.
Training Plan
For a larger view of this training plan, see the pdf
Frank Overton is a former semi-pro mountain biker and owner of Boulder, Coloradobased FasCat Coaching. To the right, you'll find his six-month, desk-job-friendly plan, designed to have you peaking for the race on October 9. The key: total weekly hours on the bike. If you need some day-to-day flexibility, try to make up for it to hit your weekly goalusually about eight hours. To time this plan for the 24 Hours of Moab, start on April 27.
Easy (green): Pick a steady, conversational, "all day" pace and aim for a heart rate in the mid-130s.
Moderate (yellow): Ride at 80 percent of race pace, with heart rate in the 160s. It should feel like you're working, not suffering.
Hard (orange): Ride at 9095 percent of race pace (your heart rate in the high 160s or 170s). Join a fast group ride or an XC race. Rip it up.
Fitness Test Warm up for 3040 minutes. Pick a destination and ride as fast as you can toward it for 20 minutes. Remember how far you got. Cool down for ten minutes. Near the end of your training, do it again and compare your results.
Want these workouts delivered to your inbox every morning?
OutsideOnline.com now makes it easy for you to track your daily progress, upload training data from your watch or GPS, save routes, and chart your improvements. Find an expanded version of this planand othersat outsideonline.com/fitnesscenter.


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I love horror movies, comedies, and documentaries. I am currently reading mostly vampire, shifter, and fictional novels right now. Katie Mcalister, Gena Showalter, and J. R. Ward are amongst my favorite authors. I don't really have t.v. shows I am attached to. I'm trying not to get pulled in by all the hype of reality television.
I Love Seafood and Wings! I am allergic to cooked eggs like scramble eggs. I don't like tomatoes or tomatoes based products except for hot, habenero, or jalepeno salsa. FYI I put honey mustard on almost everything
2. Honesty
3. Integrity
4. Loyalty
5. Dependability
6. Reliability
There are somethings that are a given and if you have to add them then something is wrong baby
Do waste my time or yours if you looking for an easy piece of pie cause it is not going to happen. My body is a temple and rest assured I plan on it staying that way.
If you have Glide, we can video chat sometime


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Meta Robots and robots.txt
Viewing 3 posts - 1 through 3 (of 3 total)
You must be logged in to reply to this topic.
This reply has been reported for inappropriate content.
Please excuse my ignorance, but I still have some uncertainties regarding the robots.txt file.
Consider the following server structure:
.htaccess (file)
403.shtml (file)
cgi-bin (folder)
domain2.com (folder)
domain3.com (folder)
domain4.com (folder)
images (folder)
index.html (file)
robots.txt (file)
subdomain (folder)
Consider the following robots.txt file:
User-agent: *
Disallow: /cgi-bin/
Disallow: /images/
Disallow: /domain3.com/something.js
Disallow: /subdomain/
Now Some questions:
1.) Will the above robots.txt account for all the domains, subdomain, and subdirectories? Or is it necessary to have a robots.txt in each domain folder?
2.) According to the above robots.txt, all directories and files are crawled with the exception of cgi-bin, images, something.js, and subdomain. Is the last empty Disallow: statement needed, or will that default to crawl if not specified?
Any experts out there with some incite?
All help is welcome…Thank you.
P.S. I've read the documentation at robotstxt.org, but it didn't seem to cover some things.
You must be logged in to reply to this topic.


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Check in from 11h / Check out prior to 10h
Hotel Morgan: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Lamezia Terme, Italy.
Hotel Morgan is set in Lamezia Terme and is close to nearby attractions, such as Sant'Eufemia Lamezia. It also offers a 24-hour reception, meeting rooms and an express check-in and check-out feature.
Hotel description
This 3-star hotel provides an airport shuttle, room service and internet. A dry cleaning service, a wake-up service and a laundry service are also available.
Morgan Hotel Lamezia Terme has 18 rooms that are equipped with all the necessities to ensure a comfortable stay.
Hotel Morgan serves breakfast every morning, and has a bar where guests can unwind with a drink. In the evening, guests are able to relax in the comfortable lounge bar.
Morgan Hotel Lamezia Terme is well-located for transport connections with Lamezia Terme Centrale Railway Station within a two-minute walk. Catanzaro and Pizzo are situated an easy drive away.
Hotel features
Room Service, Pet Friendly, Bar / Lounge, Air Conditioned, Non-Smoking Rooms
24 Hour Reception, Dry Cleaning, Wake-up Service, Meeting Rooms, Laundry service, Photocopier, Express Check-In/Check-Out
High-speed Internet, Internet Connection (wireless)
Airport shuttle
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Users who viewed Hotel Morgan also viewed these 3 stars Lamezia Terme hotels:
Il Cantagalli
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Hotel Villa Donnamazza
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Via Riccardo Lombardi, Lamezia Terme
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Via Loriedo, Lamezia Terme
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Educational Foundation to fund middle school robotics program
The Fountain Valley Educational Foundation recently announced it would donate $21,000 to the district's middle schools for a free elective robotics program to encourage younger students to pursue science, technology, engineering, arts and mathematics careers.
Nicola Weiss, outgoing Fountain Valley Educational Foundation president, said that Talbert, Masuda, and Fulton middle schools will be given $7,000 each to fund an elective class that teaches students the basics of robotics during the 2014-15 school year.
"We realized that students who are exposed to these kinds of skills and this style of learning are a lot more interested in learning more academically in subjects that prepare them for the future," Weiss said.
Weiss said the robotics program is funded by money raised during the Mr. Fountain Valley and Taste of Fountain Valley events.
Since all middle schools in Fountain Valley are separated into trimesters, Weiss estimated that 210 students will be able to join the robotics class throughout the year, with about 70 kids being instructed during each session.
Cara Robinson, Talbert Middle School principal, said the program will be available to all seventh- and eighth-grade students who are interested in science, technology, engineering, arts, and mathematics and that unlike previous STEAM clubs – the elective class will be completely free.
Robinson called the donation "generous" and was excited that more students would get to enjoy a classroom setting that focuses on STEAM.
Viet Nguyen, science teacher and STEAM academy lead teacher at Talbert Middle School, said the students of the elective classes will use Lego Mindstorms kits to construct their own robots.
According to Robinson, each Lego Mindstorms kit costs about $200.
Nguyen said he plans to model the robotics class after the Khan Academy, which has several online walkthroughs that teach students about programing, construction, and completion of robots using the Lego Mindstorms kits.
Through the added elective classes, Nguyen said he hopes to introduce a level enthusiasm in science that both pushes students to grasp new scientific standards and maybe lead some students on a path toward a degree with an emphasis on STEAM.
"The realistic goal is that all students become scientifically literate and better informed citizens," Nguyen said. "But, of course, we want to see some students become scientists and engineers."
Contact the writer: firstname.lastname@example.com
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Urban Juice Graphic Design Agency Take On New Apprentice
Urban Juice graphic design agency Grimsby announce that they have taken on a new apprentice.
Andy Caldwell, creative director at Urban Juice, said: "We had some promotions internally and it left a gap in the studio for us to fill."
"For me, the main benefit of an apprentice is that they come to you and start learning from scratch."
"Within a design studio like ours, you need to know the basics before you can go off and start working on the bigger jobs. Having someone working with us, learning full-time as they go, works really well for us."
Jessica Graves, added: "I started looking into getting an apprenticeship and saw the advert for a graphic designer with Urban Juice. I've always been interested in design and the creative side of things so it was perfect for me."
"I've been there just over two months now and I'm really enjoying it, I'm learning a lot."
We wish Jessica the very best of luck in her new position as an apprentice at Urban Juice Graphic Design Agency.
If you would like to find out more about their graphic design services, please visit the Urban Juice website: http://www.urban-
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About Urban Juice, Creative Design Studio Grimsby:
Urban Juice are a Lincolnshire graphic design agency with a wealth of experience and a very talented team of graphic designers and art workers who deliver a complete range of creative design solutions including:
* Graphic Design & Print Management
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For further details about their creative design services, or to request a competitive quote, please visit the Urban Juice website: http://www.urban-
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PARIS -- For a few heart-stopping hours Sunday, the French Open was in lockdown.
It was only the fourth round, but both world No. 1s -- Novak Djokovic and Victoria Azarenka -- had each contrived to lose the first set and fall behind a break in the second. The cliché that describes the depth in today's professional game as unprecedented has become well-worn. But that doesn't mean it's not true.
If you are even a little off your game these days, an Andreas Seppi or a Dominika Cibulkova can come whistling out of the weeds and knock you on your behind.
Cibulkova, who had lost seven of eight previous matches to Azarenka, changed the chemistry of their relationship with a 6-2, 7-6 (4) victory on Court Suzanne Lenglen. Seppi, despite winning the first two sets, did not fare as well on Court Philippe Chatrier. Djokovic grimly rallied to win 4-6, 6-7 (5), 6-3, 7-5, 6-3.
After the 4-hour, 18-minute match, Djokovic showed very little emotion. He puffed out his cheeks, closed his eyes and exhaled. He has now won 25 consecutive Grand Slam singles matches and the stress of the streak is starting to show.
After her loss, Azarenka was asked the obligatory question: How would she recover from the match? The answer, however, was not standard issue:
"I'm going to kill myself," said a fuming Azarenka, her voice laced with sarcasm. "What am I going to do recovering? I'm just going to go on the practice court and practice again. The tournament is over for me. What's to recover from?"
Earlier, she said: "No excuses. It's just a bad performance."
Only three times in the Open era have the two No. 1s both lost on the same day at a Slam -- before the quarterfinals. The last time it happened was here in 2004, when Roger Federer and Justine Henin were upset losers.
Both Azarenka and Djokovic have talked about dealing with the pressure of playing with the bull's-eye of No. 1 on their backs. Now that Azarenka, the reigning Australian Open champion, has lost, there will be no opportunity for a calendar-year Grand Slam. But on the men's side, the expectations for Djokovic are enormous. Not only is he trying to go 2-for-2 in majors this year, but a win at Roland Garros would give him four in a row.
"He was a better player for first two sets, definitely," Djokovic said. "I was very fortunate to come through to this match. I was fighting. Look, you know, I think it's just a bad day for my game, for my rhythm in general. But, look, I won. I'm in the quarterfinals. That's what matters the most.
"When I was two sets down, I believed I could win the match, and I think that's the only positive I can really pick up from today's match."
When you are 5-foot-3 in the land of the giants, you have to swing for the fences on pretty much every stroke. Cibulkova -- who appears closer to 5-2 -- is the shortest player among the WTA's top 100 players, but she is fiery and utterly fearless.
Although the women's round of 16 featured six unseeded players, Azarenka did not have the good fortune to draw one. But even without the benefit of hindsight, you could see this one coming. That 1-7 record against Azarenka came with an asterisk; the previous five matches all had gone three sets. And in the last two, both in Miami, Cibulkova had enormous leads -- and imploded. By odd coincidence, the two were supposed to have met a few weeks ago in the fourth round at Rome, but Azarenka bailed, citing a sore shoulder.
After losing her opening serve in a wrenching nine-deuce game, the 23-year-old Slovakian raced back to win six of the next seven games. When Cibulkova survived a difficult service game to take a 3-2 lead in the second, Azarenka slammed her Wilson Juice 100 BLX racket to the ground and offered a few heated words in Russian. The racket survived the fall, but in her changeover chair, Azarenka finished the job, cracking the frame.
In the players' box, Amelie Mauresmo scowled. Mauresmo, a two-time Grand Slam champion and former world No. 1, has been retained by Azarenka as a coaching consultant to help her navigate the pitfalls at the higher reaches of the game. But when Cibulkova broke Azarenka (who sent a lame backhand into the net), all Mauresmo could do was smile and clap. Mauresmo, it should be noted, was notoriously weak-kneed in her native Grand Slam.
The thing that makes Azarenka a champion is her fighting spirit. Like Maria Sharapova and Serena Williams, she rarely takes anything off her shots. It can be a weakness, too. Down 5-3 in the tiebreaker, Azarenka ripped a forehand, which landed just wide. Two points later, Cibulkova slashed a backhand pass and fell giddily to her back, kicking her feet in the air.
She admitted there were Miami flashbacks when she took a 4-2 lead in the second set.
"That's why I got a little bit -- not nervous, but a little bit more -- not going for my shots anymore," Cibulkova said. "But today it was a great thing that, you know, I managed to go through these emotions. She was 6-5 up, and I said, 'Hey, come on, you have to play your game again and just make it.'
"And for the tiebreaker, I'm very, very proud of myself that I was still going for my shots, and I just made it because she would never give me the match, and I just made it."
In the quarterfinals Cibulkova will meet the No. 6 seed Samantha Stosur. Cibulkova finds herself tantalizingly close to her best effort at Roland Garros (or any Grand Slam, for that matter) -- the semifinals three year ago.
And what of Azarenka? Since winning her first 26 matches to start the year, she has faded appreciably. Her last four tournaments ended poorly:
• Miami: lost to Marion Bartoli in the quarters.
• Stuttgart: played with an injured wrist and lost to Sharapova in the final.
• Madrid: thumped by Serena Williams in the final.
• Rome: exited with a shoulder injury.
She's headed back home to Minsk, Belarus, for at least a week of rest before Wimbledon.
"It's something that I for sure need, just to get rested mentally, definitely, just to get out of the tennis field a little bit," Azarenka said. "And once I have my passion and desire back on the court, I'll be on the grass."