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What are the steriotypical conventions that apply to Chick Lit? Including structure, characterisation, setting etc
1 Answer | Add Yours
A stereotypical "chick lit" story usually shows us a male and female, both attractive, who don't seem to like each other very much as the story opens...or at least they don't THINK they like each other, but we, the readers or audience, quickly realize they are mad for each other. They argue as their supposed dislike for each other increase, but really these scenes just intensify the attraction. We always pretty much know how the plot will be resolved. The handsome man and vibrant, lovely lady end up together. This is also, in film, called the romantic comedy structure.
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Travel to the fabled caravan routes of desert-India with this ensemble. Folk Arts Rajasthan's second Hearts with Hope Tour is a rare opportunity to witness a world-class artistic legacy charged with passion, mastery, and social significance.
Formed by Sarwar Khan of Jaisalmer, Rajasthan, Merasi; the keepers of 37 generations intact musical heritage present an invigorating mosaic of sacred Hindu, Sufi, and traditional Music of varied flavors, rhythms and intensities.

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Welcome to Mischa-B.com, the largest Mischa Barton fansite on the web. Our goal is to bring you the latest news, information, photos, and media on Mischa Barton.
The Oh in Ohio
|» Are you ready Australia?
Mischa to visit Sydney
By Clair Weaver
July 23, 2006 12:00
Font size: + –
Send this article: Print Email
AS one of Hollywood's hottest "It" girls, Mischa Barton creates fashion trends rather than following them.
Now the British-born actress is bringing the international spotlight on to the Australian fashion scene with a high-profile shopping trip.
The 20-year-old former model, already a fan of Australian designers sass&bide and Collette Dinnigan, will arrive in Sydney on August 9 for the launch of the David Jones summer collection.
Barton, who played teen queen Marissa Cooper in the hit TV series The O.C., told The Sunday Telegraph she couldn't wait to see Bondi beach and experience the outdoor lifestyle.
"I'm also looking forward to stocking up on the latest from Australian designers," she said.
Her three-day visit will include a busy itinerary of fashion shows and shopping.
Barton says Willow, Alice McCall and One Teaspoon are among her favourite brands.
"Through my work, I have been lucky enough to be introduced to Australian brands that have become a staple in my own wardrobe," she added.
Barton visited Australia four years ago to shoot a movie, but spent all her time in Brisbane.
Along with Kate Moss and Sienna Miller, she is regarded as one of the world's most influential style icons.
Barton has been a covergirl for such titles as Vogue, Vanity Fair, Harper's Bazaar, InStyle and Marie Claire.
Securing the young socialite is a coup for David Jones in its retail battle against Myer.
It is understood the store paid more than $100,000 for her appearance.
Since leaving The O.C., Barton has been pursuing a film career. Among her latest works are romantic drama Closing The Ring, with Shirley MacLaine; dark comedy The OH In Ohio with Danny DeVito, and thriller Guilty Pleasure.
WIN A $5000 David Jones gift card, VIP style experience and meet Mischa Barton.
|posted on 22 Jul 2006 by Sam – Comments (0) – Discuss in the Forum
We have no connection to Mischa or her man/files/includes/gallery-age.jsment. This site is purely for entertainment purposes. All graphics and original text is copyright to Mischa-B.com, all photos and articles are copyright to their original owners.


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Leaf hairs on lamb's ears plant
B745/0182 Rights Managed
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Request/Download high-res file
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Credit: DR JEREMY BURGESS/SCIENCE PHOTO LIBRARY
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Keywords: botany, epidermis, lamb's ears, leaf, leaf hair, leaves, nature, plant, plants, scanning electron micrograph, sem, silver foliage, stachys lanata
Licence fees: A licence fee will be charged for any media (low or high resolution) used in your project.


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Who is this app for :
Members of the Bilingual Aphasia Test Community, who have an Android Touch Tablet or
Android Smart Phone and who have used the BAT before.
What is the app :
AndroidBAT is a virtual paper stimulus book. It is a free OpenSource application which is simply
a 'virtual paper' version of the original BAT Stimuli PFDs, with 'eyes', 'ears' and 'skin'.
The BAT was created by the Bilingual Aphasia Community of Researchers.
To run test, you need original eBAT Test PDFs, and a person who speaks the language you are
testing. The original Test PDFs, along with the instructions on how to administer the BAT are
presently available on 2 sites :
• McGill University – Linguistic Department – BAT
• École d'orthophonie et d'audiologie – Agora des professionnels de la santé - BAT
Why would you want to use the AndroidBAT instead of a PDF? The AndroidBAT has the added
benefit of allowing for a diversity of data collection integrated directly into the test. AndroidBAT
allows recording of eye-gaze and audio during a patient's interview, without visible external
camera or microphone, while providing more analyzable data (e.g., eye-gaze, audio, touch, etc.)
than the PDF format. Data can then be easily synced or shared with colleagues using Dropbox
for instance.
AndroidBAT works on both tablets and phones. It has been tested on:
• Motorola XOOM 10inch Tablet
• Nexus 7 7inch Tablet
• HTC Desire 4inch Phone
• Nexus S 4inch Phone
User Guide for how to use the AndroidBAT buttons.
To report bugs or vote on new features.
The BAT was Androidified by:
• Gina Cook - iLanguage Lab, Montréal Canada
• Alexandra Marquis - École de Orthophonie et Audiologie, Université de Montréal
• Émie Dessureault - École de Orthophonie et Audiologie, Université de Montréal
• Kim Dan Nguyen - École de Orthophonie et Audiologie, Université de Montréal
Instructions & Source Code to create your own Android Aphasia apps
The BATScorer can be used to enter a patient's data, and calculate a patient's results, and will
run on any computer (Mac, Windows, Linux), on any mobile device (Android, iPad), anywhere
there is a modern browser (Chrome, Safari, Firefox).
What's New
Various picture and sound of a friendly person and can be used in medical treatment.
Supports 11 different menus.


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The most Westerly Parish in Hampshire, Martin was part of Wiltshire until 1895. Situated on the River Allen (a tributary of the Avon) the village of Martin is central to the Parish.
Several prehistoric sites are known, including Bokerley Dyke and an earthwork known locally as Soldiers' Ring. The Northern boundary of the Parish is formed by Grim's Ditch which extends into Dorset and Wiltshire. The church at Martin dates from Norman times although much of its fabric is fourteenth century.
Further information on attractions to discover in the area and other interesting villages to visit is available. For information on public services for Martin please take a look at the Fordingbridge local pages.


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Four Eyes Loves Wet Climaxing
Sexy goggled Natasja knows where her fantasies are and she loves living them. Her ultimate physical pleasure lies in the ability of wet climaxing. This is a real lesbo squirter and she loves it. She didn't realize her lesbian squirting abilities until she met her current bed partner. That chick has magic fingers and she can make almost every bitch flow a river. Her magic results in very intensive orgasms for Natasja and she enjoys her ability every time she provokes a climax. This is stuff that never bores, I can assure you. I'll tell you even more : it gets better every time!
Under Lesbian Fingering | Taged fingering lesbians, lesbian climax, wet climax
Squirting Lesbian Sex, Thanks To Her Hard Dildo Handling
It's not only fingering that gets the job done, sometimes there is the need for special tools and sometimes you just feel like using equipment. The blonde chick in the clip loves the rough handling she can do with her plastic rod and the brown haired bitch loves the feeling she gets from that. She didn't pass a single dildo session without spraying all of her fluids over that big piece of sexual pleasure. The fact that her friend gets totally soaked in the process isn't really something she cares about. She gets her pleasure by pumping that rod hard in and out of her cunt and she enjoys the fact that she can give her partner the joy of squirting lesbian sex.
Check This Page For Tons Of Fluid Spraying Lesbo Sluts!
Step Aside Or Get Soaked
By the look on this lesbo bitch's face the other chick should get the hell out of the way, or she'll be soaking wet in a second. I recognize that look in her eyes and the painful grimace of her mouth; she is going to eject her vaginal fluids in that room any minute now. I sure hope there isn't a wall too close, because it's going to be a heavy one. Just looking at her face makes me horny, because I know she's going to be all high from the orgasm and ready to do anything you want to make her do. Click through to see the rest of her lesbian squirting movie.
All Of This Hot Babe's Squirting Film! CLICK!!
Under Lesbian Squirting | Taged lesbo squirting, squirting climax, vaginal ejaculation
Lesbo Bitch Starts Flooding Like A River
Click the image for one of the most horny clips you've ever seen. Man, that lesbian couple really made my day. Just thinking of it makes my dick all ready again. Those chicks really know how to get each other on the move, that's for sure. They start of all gentle and loving, but once they get in the groove it's all carnal pleasure and grabbing and groping. Tits bounce heavily and clits get licked like candy rods. The one you see that's above the other is the dominating one and she makes her friend ejaculate so hard she can't believe it herself.
Click This Line For More Squirting Lebians!
Under Squirting Lesbian Sex | Taged lesbian groping, lesbo bitch, Squirting Lesbian Sex
Slapping That Lesbo Pussy Until It Sprays
Before you click the image and move on, let me assure you that there is nothing staged in this lesbian squirting film! This is the real stuff. No pee or with liquids injected vaginas. Just a hot couple of good old dykes who know how to use their fingers. This highly technical girl on girl action results in an extremely powerful lesbian orgasm, which involves high pressured squirting. The laughing faces in the sample tell you more than I could ever do. That pussy gets slapped and licked until the gates are open.
More Squirting Dykes Wetting Their Friends!
Little Asian Slut Finds Out What Lesbian Squirting Is
Ona is a little, but feisty, Asian lesbo and she loves rough sex. She loves it when her girlfriend handles her like a piece of machinery. She loves to be groped and she digs a lot of fingers or a big ass dildo in her cunt. Today her dyke partner is trying to let her do some wet climaxing. She is aware of the fact that women can ejaculate and she was hoping for a moment to try it out on Ona. The little Asian slut gets seriously fingered and starts moaning like never before when those fingers start tickling the right spot. She comes louder than ever when she squirts away all those years of dryness.
Hot Lesbos Letting Their Friends Squirt Like Firehoses!
Under Lesbian Fingering | Taged asian lesbian, lesbian masturbating, lesbian squirting


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Pictures of eagles, bald, American and patriotic pics are here. My top eagle images and photography are located at my other site named: EagleLovers.com.
Distinctively Different Heirloom Prints & Canvases (read more)
Bald Eagle Pictures Golden Eagle Photos Prints
Please see all pages for more selections...
All Images © 2016 Mark J. Harlow
"Imagery so powerful, it seldom leaves your mind" Jennifer S. Denver, CO


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DATA BREACH: Important news in the news section on the main page! Short version is we may have had a database breach of Defenders passwords, so if you use your Defender of the Nifty password in conjunction with your account email for anything else you should change your passwords now!
Comic for Monday 11/05/12
HAVE TO FIX LATER: Mark-16 should be Mark-19.
ALSO: I can't remember if the Lancer was stolen from Hereti-Corp's Rea-1, as WELL as designed directly from the Mark-19 plans Torg provided Crushestro.
Ref: Exports Executive | Lancer-5 | REA-1 | Mark-19.


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Wildfox Sweater
|Take a look at the latest range of wildfox sweaters online collection available here at Spoiled Brat, in our online wildfox uk store. We have the newest styles of wildfox sweaters, updated daily, we know that when it comes to fashion there is no better place to update your wardrobe. Browse our stunning collection of wildfox sweaters, wildfox jumpers and wildfox sweatshirts, all available at great online prices in our wildfox shop. From catwalk trends to stylish staples, we know our fashion and are dedicated to ensuring that we only pick the best pieces from each collection, for you to choose from, to give you the best experience for wildfox online shopping. Enjoy browsing our online fashion store, and do check out our legendary wildfox online clothing sale and find some cheap wildfox clothing online.
Wildfox Couture Stay High Malibu Zip Up
Showing items 1-1 of 1.


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New Calumet police chief fired
Theresa Syers
CALUMET – Theresa Syers, 83, a resident patient of Our Lady of Mercy Health and Rehab in Hubbell, passed away Friday morning, March 8, 2013, at Aspirus Keweenaw Hospital in Laurium.
She was born Mar. 8, 1930, in Calumet, a daughter of Joseph and Eva (Roberts) Peltier.
She was preceded in death by her son, Paul Peltier in September 2000; four brothers, Jerome, David, Gregory and Donald Peltier; a sister, Dolores Huuki.
Surviving are her sisters, Rose Maki and Carol (Roman) Huffman, both of Calumet; brothers, Robert and Joseph Peltier, both of Calumet; numerous nieces, nephews and cousins.
A funeral service will be held on 11 a.m. Tuesday, March 12, 2013, in the Erickson Crowley Funeral Home in Calumet with Pastor Ken Toth to officiate. Visitation will be one hour prior to the service. Burial will take place in the Calvary Cemetery in Ahmeek.
The Erickson Crowley Funeral Home is assisting the family with arrangements. Online condolences may be left at ericksoncrowley.com.


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Rodeway Inn
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TripAdvisor Reviews Rodeway Inn San Angelo
Travel Blogs from San Angelo
Texas wasn't as bad as I thought
... locked my room key in the room, but luckily had my car keys so I could drive over to the main office to get a new one. The TLF room is on the other side of base. I got to meet up with Jimmy and went to dinner with him and some of his friends! It was so nice to relax in the AC and drink a beer with dinner. Its been so nice to see so many friends and family on this trip, and I get to see one more tomorrow before seeing everyone in Tucson! Toby is ...
Didn't Think We Would Find It
... before leaving and knew that we were at the north entrance. I couldn't find the place on the GPS so I put it on something close to it. We ended up on a side street. We were in the general area and eventually found the park. We passed the south entrance and drove what seemed forever to what we thought was the north entrance. We drove in and nothing or no one was there. You could tell that it ...
Tom, Matthew and the Caverns
... of weather. The only bad part of the weekend has been the flights. My flight out to San Angelo was delayed for mechanical reasons. Going back to Des Moines, my flight to Dallas was delayed for over an hour which made me miss my connecting flight. So now I'm hanging out in Dallas for 5 hours in order to catch the last flight out of here for Des Moines. All in all, it was a really good ...
Fort Worth Texas
... but no patches, they just don't seem to do them anymore. So that tour of Dallas was over. But it is quite a beautiful city much the size of Sydney city with perhaps less tall skyscrapers though. Wendy had sussed out the correct way to bypass Dallas and head for Fort Worth witch was really bordering on the outskirts of the city anyway so it was just another 40 minutes or so.
When we arrived you could see the difference straight away - no city ...
Lakes, Lilies and Friendly Folks
... of the town and were amazing.
One day we visited the International Lily Pond Garden (see photos) and finished up with a walk on the 4 mile River Walk. The River Walk is along the Concho River and has numerous bronze statues, rock gardens, picnic areas and lots of foilage.
We would definitely visit San Angelo again if we had the opportunity.


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Profile of a Monster: Hannibal Lecter.
"A census taker once tried to test me. I ate his liver with some fava beans and a nice chianti.â€.
Of all characters in literature, few come close to the complexity and evil that is embodied by Hannibal Lecter. Thomas Harris took several characteristics of serial killers in the creation of Lecter, cannibalism being the key aspect of Lecter's psychopathology. Harris also based the character Jame Gumb, or Buffalo Bill, on the real life serial killer Ed Gein. Gein liked to dress up in the skins of his female victims, just as Buffalo Bill did. This was Bill's signature, whereas Lecter's was cannibalism. Lecter, however, is not satisfied to just eat his victims, he must feast on them. This usually involves elaborate preparations of five star meals, as exemplified by Lecter's victim Paul Krendler, who had his living brain served to Agent Starling by Lecter. .
Most serial killers also personalize their victims, that is, mutilate or position their victims in certain ways. Lecter seems to have a penchant for personalization, as demonstrated by his killing of Italian inspector Rinaldo Pazzi. Lecter disemboweled and hung Pazzi in the same Venetian plaza that Pazzi's ancestor was hanged. This personalization, is also evident in the killing of Paul Krendler, who, as mentioned before, had his brain served to both himself and Clarice Starling. Krendler was Starling's nemesis in the FBI and Lecter knew this. He killed Krendler in the presence of Starling as and act of personalization and in a profession of love to her.
Lecter, according to the books, has killed at least 14 people, and orchestrated the attempted murder of and FBI agent. He derives pleasure from the pain and suffering of others. But, Lecter is extremely selective in his victimology. Lecter tends to choose individuals that he see as "uncultured,†moreover, those that annoy him.


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Hey guys! It will be a pleasure to be on a team with you! This is my first time doing the contest. I'm still trying to figure out the object of the contest (I'm guessing shooting a big buck) and all the rules etc. but in the meantime anyone have ideas for a team name or who wants to be the captain?
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23 Ways to Use Tomatoes That Are Not Sauces
These melt-in-your-mouth peppermint treats are tasty on their own, but also make cute decorations for holiday desserts. Use the same technique to make swirled meringues in year round flavors.
Recipe: Peppermint Meringues
Meringues can feel a little too light for dessert when you need a chocolate fix, so these mini sweets are dipped in a little extra chocolate for good measure.
Recipe: Snow-Capped Chocolate Meringue Kisses
Totally Rad! 15 Radish Recipes That Are Anything But Boring


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|"Gregg Bolinger" <gdbol...@embeddedthought.com>
|URI Servlet Path Problems
|Wed, 06 Aug 2003 21:03:50 GMT
I have a web app in the following directory c:\tomcat\webapps\holocron I have specified my URI to a servlet as <uri-pattern>/servlet/AddReference</uri-pattern> And in my form I have action="/servlet/AddReference" The problem is that when I click the submit button, I am taken to http://localhost:8080/servlet/AddReference and what it should be is http://localhost:8080/holocron/servlet/AddReference So I am getting an error Cannot Find Servlet/Path etc. Now, if I change my action to action="/holocron/servlet/AddReference" it works just fine, but that doesn't make any sense to me. I have read a bit on the Invoker Servlet being turned off in Tomcat 4.1.24 but can't really find any good information on it. Can someone explain to me what is going on here? Thanks. Gregg
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The junior scored 59 points, grabbed 24 rebounds and had nine assists in three basketball victories, including a triumph over previously unbeaten Eastside Prep to forge a tie for first place in the WBAL.
Max Lippe
Pinewood School
The senior scored 50 points, grabbed 40 rebounds and had 11 assists in three basketball victories, including one over defending champ Menlo that moved the Panthers into a tie for second place in the WBAL.
Honorable mention
Jenna McLoughlin
Pinewood basketball
Kelsey Morehead
Pinewood basketball
Jessica Tuliau
Menlo-Atherton basketball
Natasha von Kaeppler
Castilleja basketball
Lizzy Weisman*
Sacred Heart Prep soccer
Eve Zelinger*
Castilleja basketball
Joseph Bolous
Sacred Heart Prep soccer
Reed McConnell
Sacred Heart Prep basketball
Will McConnell
Sacred Heart Prep basketball
Bharat Reddy
Gunn basketball
Max Schmarzo
Palo Alto basketball
Solomone Wolfgramm
Pinewood basketball
* previous winner
This story contains 164 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.
If you are a paid print subscriber and haven't yet set up an online account, click here to get your online account activated.


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iHerb Customer Reviews
Savings of: $11.35 (28% off)
Preserve what you've got!
Posted by Reviewer2079463 on Oct 12, 2007
This is the most clinically-tested ginkgo for effectiveness. My husband and I have cared for elderly parents with Alzheimer's and so we take it every day. We can only hope...
A fine alternative to pharmaceutical anti-depressants.
Posted by Reviewer1572662 on Feb 04, 2009
Really superior herbal extract of potent anti-depressive efficacy. Many products are assumed to be the equal of this formulation, but few can compare with the original research using clinical trials to substantiate the claims made for this superlative version.
Posted by Reviewer3265768 on Feb 23, 2011
This product has helped me with my memory and it makes my brain so alert and able to retain what I learning.
Keeps my brain alert.
Posted by Reviewer2985752 on Oct 12, 2011
This is the most economical size to buy. This is recommended as the best brand to take. I don't know if it prevents alzheimer's but I take it anyway to keep my brain alert. I take it earlier in the day and avoid it at bedtime because it seemed to make it difficult to fall asleep.
Clinically proven brand you can trust
Posted by Reviewer1832982 on Oct 25, 2011
A google search will show this product uses the exact extract used in a ton of studies showing ginkgos effectiveness.
Posted by Reviewer1356587 on Feb 04, 2009
I use this as a blood thinner along with baby aspirin for healty heart reasons. I have been on this regimen for two years with no problems.
This brand recommended by MD
Posted by Reviewer1179921 on Apr 13, 2007
If you are looking for a gingko biloba product, then this is the only one medically proven to work, according to two of my own MDs! Both suggested that I take it: one for mental clarity as a result of a head injury and the other to help the symptoms of Reynaud's disease (freezing cold hands and feet). All I can say is, take 1 tablet twice daily and it works!
Posted by Reviewer2285438 on May 21, 2008
The effect is experienced. It is refreshing feelings.
OK product
Posted by Reviewer2995787 on Jun 28, 2011
Small tablets, easy to take but no noteworthy effect. may be used as an addon supplement
Posted by 5499231037451843741 on Apr 19, 2014


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Check in from 15h / Check out prior to 12h
Noir d'Ivoire: Find photos, reviews, information, amenities and compare prices for 2 stars hotels in Le Touquet, France.
Noir d'Ivoire is situated in Le Touquet and offers free Wi-Fi. It also features an express check-in and check-out feature, a 24-hour reception and luggage storage.
Hotel description
The individually-decorated rooms at Noir d'Ivoire include a refrigerator, a private bathroom and a mini bar. A hair dryer, cable/satellite channels and a flat-screen TV are also provided.
The bed & breakfast provides breakfast each morning that guests can enjoy before venturing out to explore the region. Guests looking for after-dinner entertainment can enjoy the on-site casino.
Le Touquet's well-known attractions are within close proximity to Noir d'Ivoire, with Rue Saint Jean just a brief walk away. Ideally located, the bed & breakfast is under a 10-minute car trip from Le Touquet - Cote d'Opale Airport.
Hotel features
Non-Smoking Rooms, Mini Bar, Refrigerator, Cable / Satellite TV, Hair Dryer, TV, En suite, Private Bathroom
24 Hour Reception, Multilingual Staff, Luggage Storage, Express Check-In/Check-Out
Golf Course, Casino, Garden
Internet Connection (wireless)
Bathrobes, Private Toilet
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Users who viewed Noir d'Ivoire also viewed these 2 stars Le Touquet hotels:
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123 Rue De Paris, Le Touquet
Hotel Residence Hippotel
Avenue de la Dune aux Loups, Le Touquet
Avenue de la Dune aux Loups, Le Touquet
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BECOME A PREFERRED SUBSCRIBER+ Get 10% off Your Next Order
The BEST deals come to your inbox. Sign up for GEMPLER'S emails to get exclusive offers and first dibs on hot new products!
The unique L-shaped pieces of this kit can be used as a restraint for pavers and sidewalks or placed on top of the ground and used as a 1-1/2"-high edging. Vinyl edging kit is easy to install and gives your landscaping projects a professional look. Features patented locking connectors and is made from 100% recycled materials. Includes four flexible 4-ft. sections, four connectors and eight anchoring pins. 16-ft. combined length. USA made. Black color only.
2016 Master Catalog: Page 343


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Statement of Bibliofind
Mar 05, 2001, 00:00 ET from Bibliofind
WASHINGTON, March 5 /PRNewswire/ -- Bibliofind today announced that it has learned of a security violation on its site that compromised the security of customer credit card information used on its servers between October 2000 and February 2001. Bibliofind has been in contact with federal law enforcement authorities on this matter, and today began notifying all affected customers directly by email. In addition to working with federal law enforcement agencies, Bibliofind has contacted the appropriate credit card companies so that they can take whatever steps necessary to protect their cardholders. Bibliofind has removed all customer credit card information, physical addresses and phone numbers from its servers. The site will continue to function as a "matching" service between buyers and sellers. We are working to bring the Bibliofind service back into operation shortly. About Bibliofind Bibliofind, founded in 1996, is a vehicle for creating an easy, efficient way to find and sell books on the Web. Bibliofind operates as a marketplace, aiming to be the best place for buyers to find more than 20 million used, hard-to-find and rare books offered for sale by thousands of booksellers around the world.
SOURCE Bibliofind


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NASCAR America analyzes how impressive Hendrick Motorsports has been in the Chase for the Sprint Cup after falling off the radar for most of the summer. Jimmie Johnson's win Sunday at Charlotte ended the longest winless streak for HMS in more than 20 years.
Ryan: 'Erase the Chase' is an idea whose time had come
CHARLOTTE – It was time to erase the Chase.
No, Monday's announcement by NASCAR didn't eradicate the 10-race stretch that has determined the champion of its premier series for the past 13 seasons. The structure remains largely untouched aside from a new wrinkle that carries over points from the regular season to ensure less arbitrary title outcomes.
But Monday did mark the death knell of what had become the primary pejorative in a NASCAR vernacular littered with unwieldy and unappealing terminology.
They are seemingly innocuous words that stoke the most hateful, negative and ugly reactions from passionate fans who claim precious ownership of racing like no other sport.
The Car of Tomorrow.
The top-35 rule.
The Chase.
Each of these terms, however well-intended, became the third rail for hyperbolic fan outrage on satellite radio and social media
And each of them now has disappeared into NASCAR's dictionary dustbin of history.
The Car of Tomorrow was reconfigured and then renamed as the clever "Gen 6" car.
The top-35 rule essentially was erased and then replaced by the more benign charter system.
And now …
"I think that for all the folks that have been asking us to get rid of the Chase for years," Dale Earnhardt Jr. said with a sly smile, "this is a great day for them."
The Chase is dead.
Long live the NASCAR playoffs.
Slapping a new title on a championship structure that has been maligned during its 13-year existent won't be a cure-all for those who never have been fans of the format.
This admittedly is a PR and marketing exercise. It will have no impact on competition or the opinions of those who already believe the Latford points system of 1975-2003 shouldn't have been abandoned.
There are Jeff Gordon fans who remain steadfast in their opposition to the Chase because they believe it cheated their hero out of multiple championships.
And there are others who actually will lament the disappearance of "Chase," because they believe the term helped differentiate NASCAR.
But in an image-conscious sport desperate for corporate sponsorship, the switch to "playoffs" still matters even without an iota of on-track impact.
This isn't a rebranding a la the Gen 6.
It's about appropriating an existing sports term that carries major-league cachet.
The mere utterance of "Chase" became a dismissive rallying cry for many who hissed its name while railing about the system.
It's harder to sound so disparaging when complaining about the "playoffs" (unless you're Jim Mora). In fact, it sounds silly.
"Playoffs" are synonymous with indelible moments and must-see drama.
They connote an appealing sports conceit with an elegance and simplicity that always eluded "Chase".
"When they're talking about sports, people understand playoffs," NASCAR executive vice president Steve O'Donnell said. "We introduced a new word, i.e. the Chase, and we liked it at first, but when you really talk about it, when (Hendrick Motorsports president) Marshall Carlson is out talking to a sponsor, well, it's 'What's the Chase?' Well, it's our playoffs. And people immediately get that and they understand that.
"This is a big sport built on sponsorship for sponsors to understand, for fans to understand, and it's a common word that most sports fans know."
Some of us have been lobbying for ditching the Chase since NASCAR most recently overhauled it three years ago (and ratcheted up the action, intensity and pressure as a result).
But there always had been resistance to calling the Chase a playoff, despite how natural it seemed.
NASCAR heavily messaged the January 2004 news conference that introduced the Chase for the Championship. Reporters repeatedly were told by officials that "this is not a playoff" because "all of our events will continue to be Super Bowl-type races with 43 drivers competing."
No one wanted to hurt the feelings of longtime fans asked to absorb a sea change that was antithetical to some core principles that were preached as gospel for decades.
There was major pushback on anyone who intimated that the Chase created two distinct seasons. When the Chase was introduced, NASCAR tirelessly emphasized there were no knockout rounds or points resets or anything analogous to how other pro sports handled their playoffs.
But things have changed. All that stuff has been happening in NASCAR since 2014.
There are eliminations. There are points resets (and still are with a few caveats). There is segmentation from the regular season.
It's a playoff in every sense of the word – which is why the word changed.
The Chase is dead.
Long live the NASCAR playoffs.
Questions and answers about NASCAR's announcement
CHARLOTTE, N.C. — OK everyone, let's take a deep breath and we'll get through this.
NASCAR announced enhancements to the race formats on Monday that are intended to give fans more exciting moments during a race and the season.
As with anything new, there are plenty of questions. Here are answers to those questions.
So what is it with these stages?
Each NASCAR race will be divided into three stages. Points will be awarded for the top 10 finishers in each of the first two stages. That descends one point per position. Thus, 10th place in a stage receives one point. The final stage marks the end of the race. The winner receives 40 points with second-place receiving 35 points, third gets 34 points … on the way down to 1 point for any driver that finishes 36th or worse.
When will these stages take place?
The first stage will take place approximately 25 percent into the full race distance. So, for a 400-lap race at Richmond, the first stage would end somewhere around Lap 100.
The second stage will take place about 25 percent later.
That will leave the last half of the race to be run to conclusion.
So what happens after the first stage?
Once the field completes the lap that marks the end of the first stage, the caution will come out. Pit road is then opened for any teams that wish to stop. Once the pit stops are complete, TV will go to commercial break so fans can see more green-flag racing. Once TV returns from break, the race will resume. NASCAR estimates the breaks should take about five minutes.
How do they align the field for the next stage?
The field lines up the way the cars come off pit road. If not every car pits, then they are at the front with cars that made pit stops behind them for the restart.
OK, so what about those caution laps after the segment ends? Do they count?
Yes. All laps count.
Anything else unique about the stages?
Yes, pit road will be closed for five laps before each of the first two stages end.
Wait, what if there's a caution right before the end of a segment? Can a segment end under caution or will it be extended?
Segments can end under caution. The end of the race will still have the overtime policy.
What is NASCAR calling these stages?
Stage 1. Stage 2. Stage 3.
What about the Daytona 500?
The 500 will have segments. The top 10 finishers in each of the duel qualifying races will receive points just like a regular segment. One difference is that the segment winner will not receive a bonus point for the playoff (more on these a little further down).
So what is the maximum number of points a driver can earn in any race now?
A driver can earn as many as 60 points. That would be 20 points for the two stage wins (10 points each) and 40 points for the race win.
Wait a minute, you're forgetting those points for leading a lap and leading the most laps, aren't you?
No. There will no longer be bonus points for leading a lap or leading the most laps.
Isn't there a way the race winner can score fewer points than the runner-up?
Yes. Consider if the race runner-up won both stages (20 points) and then had their 35 points for second. That would be 55 points. Say the race winner failed to score a point in either stage. Thus, they would have only 40 points (for the win) for the event. So, the runner-up could score 55 points and the winner 40 points.
What else was announced?
The regular-season points leader after the 26th race will be rewarded — something many fans had requested.
How will the regular-season champ be rewarded?
The regular-season winner will receive 15 bonus points that carry over to their total once the playoff field has its points reset to 2000.
Is that it?
No, the top 10 drivers leading into the playoffs will receive a bonus. The second-place driver in the standings after the regular season ends will earn 10 playoff points, third place will earn eight points, fourth place will get seven points and so on. All playoff points carry through to the end of the Round of 8.
OK, is that it?
No, NASCAR has made those bonus points more valuable. Follow me. Say a driver finishes with six wins in the regular season. They would earn 30 playoff bonus points (five wins for each win). Now, say, they won seven segments in the regular season, they would have seven bonus points (one playoff point for each segment win). And, let's say they finished as the regular-season champ, earning 15 bonus points. That means they would have 52 bonus points (30 from wins plus seven from segments and 15 for regular-season crown).
The driver will continue to receive those bonus points in each round of the playoffs as long as he/she remained eligible for the title — plus any additional victory or segment points earned in that round.
Anything else I should be aware of?
Yes, NASCAR is now using the word "playoffs" to describe its run to the championship instead of Chase. As Dale Earnhardt Jr. joked: "I think that for all the folks that have been asking us to get rid of the Chase for years, this is a great day for them.''
Are these changes for the Cup Series only?
No, they are for the Cup, Xfnity and Camping World Truck Series.
What were some things the drivers said about all of this?
Denny Hamlin: There are no off weeks. Every single race matters. Not only that, but every lap of every race matters. From our standpoint, you always felt a little bit relaxed once you got a race win, and you would sometimes maybe go into test mode or something. Now with each accomplishment that you have during each given race, whether you're collecting points for the overall regular season or you're trying to collect points through a stage win or a race win, each accomplishment gives your road to Homestead a little bit easier, gives you a little bit of cushion there to be able to get through the playoffs and make it to Homestead, and that's what it's all about for us is making it to Homestead and trying to race for a championship.''
Dale Earnhardt Jr.: "I love the fact that the bonus points or the playoff points will carry through the playoffs all the way to the last round. So everything you do throughout the season is really going to help you throughout the playoffs. That's a great change.
Brad Keselowski: "Wait until you see it on the racetrack.When you see this on the racetrack, this is going to be the best racing you've ever seen.''
How will new in-race stages and points format be impacted by weather? (video)
NASCAR can only control so much — but try as it may, weather is one thing it can't.
How will the new enhancements to the points format be impacted if Mother Nature decides to open the skies and wreak her wet havoc upon races and racetracks?
NASCAR Executive Vice President Steve O'Donnell addressed that issue during Monday's announcement of the enhanced points format.
NASCAR: From now on, it will be 'the playoffs,' not 'the Chase' (video)
What's in a name? For NASCAR going forward, it will no longer refer to its playoffs as "the Chase." From now on, it will be simply "the playoffs."
With the name change, the format for the playoffs will not change — with the exception of the enhancements to the points format that was announced Monday.
NASCAR Executive Vice President Steve O'Donnell said that it was time for the sport to move on from the unique "Chase" monicker, which spawned several similar formats and accompanying names in other sports, including drag racing and golf.


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Universal Insurance Holdings, Inc. (NYSEMKT:UVE)
Q3 2013 Earnings Conference Call
November 4, 2013 5:00 PM ET
Sean P. Downes - Chairman, Chief Executive Officer and President
Jon W. Springer - Director, Executive Vice President and Chief Operating Officer
Frank C. Wilcox - Chief Financial Officer
Frank C. Wilcox
Hello, and welcome to the third quarter 2013 earnings presentation for Universal Insurance Holdings, Inc. I'm Frank Wilcox, the Chief Financial Officer, and making the presentation with me today are Sean Downes, Chairman, President and Chief Executive Officer, and Jon Springer, a director, Executive Vice President and Chief Operating Officer. Earlier today we filed our Form 10-Q with the Securities and Exchange Commission and issued our earnings release. To find copies of these documents, please visit the "SEC Filings" and "Press Releases" sections of our website at www.universalinsuranceholdings.com. Our SEC filings can also be found on the SEC's website. An audio recording of this presentation will be available on the homepage of our website until December 4, 2013.
Before we begin, please note that this presentation may contain forward-looking statements about our business and financial results. Forward-looking statements reflect our current views regarding future events and are typically associated with the use of words such as "believe," "expect," "anticipate," and similar expressions. We caution those listening, including investors, not to rely on forward-looking statements. They imply risks and uncertainties, some of which cannot be predicted or quantified, and future results could differ materially from expectations. We encourage you to carefully consider the risks described in our filings with the SEC, available on the SEC's website or the "SEC Filings" section of our website. We do not undertake any obligation to update or correct any forward-looking statements.
With that said, I would like to turn the presentation over to Sean Downes.
Sean P. Downes
Thank you Frank. I am pleased to make the first earnings presentation of Universal Insurance Holdings, Inc. I will provide some highlights of our quarter and first nine months of 2013. Jon will then discuss the quarter's operational details, and then Frank will conclude by discussing our quarterly financial highlights.
It has been an exciting quarter and nine months at the Company. In February, we began our second generation of leadership. With the help of the board of directors, we assembled a management team of experienced, knowledgeable individuals, and it is an honor to work with all of them. Joining me on this leadership team are Jon as Chief Operating Officer, Frank as Chief Financial Officer, and Steve Donaghy as Chief Administrative Officer.
Also, in June, our shareholders voted to add two independent directors to our board, Scott Callahan and Darryl Lewis. Scott's broad knowledge of the reinsurance industry has allowed him to provide valuable perspective to our board, particularly on matters related to the Company's reinsurance program. Darryl's legal experience and deep knowledge of the Florida business market make him a valuable member of our board, and I am pleased to be working with both men.
Next, I would like to discuss our third quarter and year-to-date results. We are pleased to report our best third-quarter operating results in the history of the company. These results reflect our continued dedication to our business model and our consistent attention to improving our overall rate adequacy. These factors contributed to net income of $14.4 million for the quarter and $43.4 million year-to-date, an improvement of $6.2 million and $17.5 million over last year's third quarter and year-to-date period, respectively. We experienced higher net earned premiums during the quarter, and our revamped claims and legal departments contributed to a reduction in losses and loss adjustment expenses.
Our earnings per diluted share for the third quarter were $0.40, an increase of $0.20 over the third quarter 2012. Our third-quarter EPS benefited from lower outstanding shares related to the Company's repurchase of nearly 7.3 million shares of common stock during the second and third quarters of 2013 at a discount to the then-current market price.
We maintained a strong cash position, ending the quarter with cash and cash equivalents of $137 million. We continue to generate capital in excess of what we need to support our business. We affirmed our policy of returning a portion of excess capital to our shareholders by declaring a $0.10 dividend during the quarter, $0.02 greater than the expected $0.08 quarterly dividend.
Our pricing analytics and modeling tools continue to give us confidence in the level of our new business and renewal pricing. We are seeing quality growth from regions in Florida that complement our current Florida portfolio, as well as growth in our newer states.
As we have previously discussed, we worked with our investment advisor, Deutsche Bank, during the second quarter of 2013 to reposition our investment portfolio. We are pleased with the transition and expect our repositioned investment portfolio to provide a stable stream of investment income in the future.
In summary, the first nine months have gone well. We returned a total of $9.6 million to our shareholders through cash dividends during the quarter, and our repurchase of nearly 7.3 million common shares in the second and third quarters underscores our confidence in our future.
Jon will now take us through the operational highlights and then Frank will discuss the quarter's financial highlights.
Jon W. Springer
Thank you Sean. Let me highlight first the operations and results of our two insurance subsidiaries, Universal Property & Casualty Insurance Company, which we call "UPCIC," and American Platinum Property and Casualty Insurance Company, which we call "APPCIC." UPCIC is our primary insurance subsidiary that provides homeowners coverage in seven states, though primarily in Florida. APPCIC is our other insurance subsidiary that focuses on Florida homes valued in excess of $1 million. I also want to mention our 2013-2014 reinsurance program.
We believe that our third quarter results are indicative of the continuing improvement in the overall fundamentals of our insurance operations. For example, speaking specifically about UPCIC, we sought from regulators and obtained over the past five years regular rate adjustments in an attempt to achieve appropriate levels of underwriting return for the corresponding risk we assume from our Florida policyholders.
As expected, these rate adjustments, coupled with our decision not to renew certain policies identified by our internal profitability measure as providing inadequate premiums relative to projected risks and expenses, resulted in a reduction in the number of policyholders that UPCIC insures in Florida. Over the first nine months of 2013, UPCIC's policy count dropped from 543,000 to 511,000. This reduction in UPCIC's in-force policy count in Florida corresponds to a reduction of nearly $8 billion in insured values, which is a 6.7% reduction. This reduction in insured values has led to a 7.3% reduction in the modeled 1 in 100 year event based on catastrophe modeling performed using RMS® North Atlantic Hurricane Model RiskLink version 13.0. But, despite this reduction in exposure and modeled losses, UPCIC's in-force premium in Florida has remained relatively flat during this period.
During the same period, we continued our growth and expansion in the six other states in which we write policies, adding over 10,000 new policies and nearly $9 million of additional in-force premium in those states.
Further, during the same period, APPCIC saw steady growth. Its policy count and in-force premium both increased by 21%. The in-force premium as of September 30, 2013 has grown to over $12 million.
In the second quarter, we completed the placement of our 2013-2014 reinsurance program, effective June 1, 2013. Although the terms of the individual contracts vary, the overall terms of the 2013-2014 reinsurance program are more favorable than the prior period. In addition, for the first time in the Company's history, we were successful in securing two multi-year contracts which will provide an element of pricing certainty for a 24-month period. These multi-year contracts were placed at improved terms for two-thirds of the quota share capacity we purchase and for 65% of our first catastrophe excess layer. The multi-year contracts will also help reduce the effect of any upswing in reinsurance costs for the 2014-2015 reinsurance program that could be caused by a significant industry event.
Our third quarter results are the first to reflect fully the cost savings realized as a result of the June 1st reinsurance renewals, so I'll now turn the discussion over to Frank Wilcox for our financial highlights.
Frank C. Wilcox
Thank you Jon. I'd like to take some time to provide a little more background around the financial results and their drivers.
As mentioned earlier, net income for the third quarter totaled $14.4 million, which compared to $8.3 million in 2012, is a 75% increase. For the first nine months of 2013, net income totaled $43.4 million compared to $25.9 million in 2012, a 68% increase. These results were fueled in large part by the improved underwriting results already discussed.
Sean also mentioned that EPS for the third quarter was $0.40, which is a $0.20, or 100% increase from the same quarter in 2012. EPS for the first nine months of 2013 was $1.13, which is a $0.49, or 77% increase compared to 2012. The repurchases of common shares contributed $0.06 and $0.10, respectively, to EPS for the three-month and nine-month periods in 2013. Accordingly, the comparative improvement in EPS for the third quarter and first nine months of 2013 are not indicative of future performance.
Net earned premiums increased $9.4 million, or 16%, for the third quarter and $37.4 million, or 23%, for the first nine months of 2013. The strategic rate increases and lower reinsurance costs effective with the 2013-2014 reinsurance program improved results for both the quarter and first nine months of 2013. In addition, a reduction in the quota share cession rate of 5%, which first became effective in June 2012, increased earned premium for the nine month period 2013 compared to 2012.
The insignificant amount of unrealized gains and losses flowing through the income statement during the quarter reflects the liquidation of our trading portfolio in March of this year and our purchase, since then, of a portfolio of investments available-for-sale comprised mostly of investment grade fixed maturities and large cap equities. Our fixed maturity securities as of September 30th had a fair value of $299 million compared to $4 million at the end of last year. The liquidation of the trading portfolio reduced the volatility flowing through the income statement and the types of investments we hold in our available-for-sale portfolio increased the amount of interest and dividends we earn. Net investment income increased by 78% and 225%, respectively, for the three and nine-month periods in 2013, in large part because of this restructuring of our investment strategy and portfolio.
Losses and loss adjustment expenses, which we call "LAE," of $28.3 million for the quarter was $8.0 million lower than the third quarter of 2012. Losses and LAE of $80.0 million for the first nine months in 2013 was $11.9 million lower than the same period in 2012. The reduction in losses and LAE for both the three and nine months 2013 compared to 2012 was primarily the result of an improvement in the adjustments made in current accident years related to prior accident years. We also had better claims experience on the current accident year for the first nine months of 2013 compared to 2012.
We continue to generate strong cash flows with cash flows from operations for the first nine months of 2013 of $188 million compared to $145 million in 2012. The reduction in cash of $210 million since the end of last year was due in large part to the purchase of fixed maturities during 2013.
Overall our results for the quarter and the first nine months of 2013 reflect the strategic initiatives we have taken to improve quality of earnings and position ourselves for the future.
I'll now turn it back to Sean for closing comments.
Sean P. Downes
In closing, I would like to thank all of the agents, policyholders and employees of UPCIC and APPCIC. I would also like to thank all of our directors and shareholders, as well as our management team for their loyalty and dedication to the Company. This concludes our presentation.
Question-and-Answer Session
[Q&A Not Covered for this Transcript]
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Milwaukee judge takes away popular debt maneuver
Utility can halt electricity for Chapter 128 filers
A Milwaukee County judge may have pulled the plug on a wildly popular legal maneuver that let hundreds of county residents forestall power disconnections, or even get re-connections, despite owing thousands on their bills.
The move could also put a dent in a growing and lucrative practice for some lawyers.
For years, We Energies treated voluntary debt amortization plans, or Chapter 128 petitions, like federal bankruptcy petitions, and would not disconnect power to delinquent customers. In some cases, the company would even restore power when someone filed a 128 petition.
Not anymore.
The exponential growth in the debt plan filings - which consolidate some problem debts under a payment plan and provide protection from those creditors - prompted We Energies to ask the court whether Chapter 128 required it to refrain from turning off petitioners' power. Circuit Judge William Pocan recently ruled it does not.
He found that disconnection is not an "execution, attachment or garnishment" specifically prohibited by the statute, a 50-year-old law unique to Wisconsin.
The debtor's attorney in the case, Arnold Lueders of Credit Solutions, disagrees with Pocan's conclusion.
"The purpose of 128 is provide a tool to avoid bankruptcy," he said "He has just nullified the intent of the statute."
That will only lead to more bankruptcy filings, Lueders predicted.
"The number of 128s is going to take a nose-dive," he said.
That might be seen as a relief around the courthouse.
Through August, there were 3,292 Chapter 128 petitions filed in Milwaukee County. That's nearly the equivalent of the 3,422 filed in all of 2010. And the 2010 total was more than triple the filings in 2009, when there were just over 1,000 - which was twice the number of 2008.
Lueders doesn't dispute that many Chapter 128 petitioners may have been gaming the system, filing just to keep the power on when the winter moratorium for disconnections expires each spring.
Indeed, one debt lawyer in Milwaukee even advertises as The Light Hero.
"We Energies is a victim? I don't think so," said Emory Booker. "I think they're making boatload of money with a CEO earning $12 million."
Todd Nelson, the attorney who won the declaratory judgment for We Energies, said that last year most of the Chapter 128 petitions in Milwaukee County included the utility as one of the creditors in their payment plans, and that hundreds listed only the utility for amortized repayment.
"It's one thing to file and actually make payments," he said. "It's another to file with sole intention to avoid disconnection and (no intention) to make a payment, or even have any means to make payment."
Pocan's 15-page order also notes that utility customers have other protections, and We Energies must follow certain procedures, as outlined by the state Public Service Commission. Unlike other creditors a debtor might list in a voluntary amortization plan, Pocan said, the utility is mandated by state law to provide reasonably adequate service.
One little-used provision
Most of Chapter 128, which dates to the 1930s, is aimed at receiverships for small businesses, but one section applies to individual debtors. Amortizing debt under Chapter 128 differs from bankruptcy in key ways.
Instead of declaring all debts, income and assets, a debtor can consolidate just the debts he or she wants to manage. Late rent, utilities, payday loans, credit cards, speeding tickets and medical bills can all be run through Chapter 128, though not secured debts such as mortgages or car loans. The procedure stops interest and late fees from accruing; stops creditors from garnisheeing wages or attaching assets; and stops utilities from cutting off power or heat.
Debtors don't have to file tax returns, get credit counseling or even go to court. Petitions are submitted by mail. It costs only $35 to file, less in counties outside Milwaukee. Debtors can file repeatedly.
A trustee adds up all the bills, plus 7% to 10% for his or her fees - and maybe an attorney's fee as well - divides by 36 and comes up with a three-year monthly payment. The debtor sends the money each month to the trustee, who pays prorated amounts to the creditors.
Creditors can object to a trustee's plan but virtually never do. Judges sign off on the plan at the start and when it's completed, or they dismiss it if debtors miss payments.
Repeat disconnections
Pocan made his ruling in the petition of Joyce S. Smith. She was first disconnected for nonpayment in August 2009, and again in September after the utility discovered the power had been illegally reconnected. But when Smith filed Chapter 128 on Oct. 1, 2009, We Energies restored service.
Smith didn't make payments to the trustee, and her petition was dismissed and her power cut off again in May 2010 for nonpayment. It was illegally reconnected, then cut off again when We Energies found out.
When Smith filed Chapter 128 again, the utility again restored power. Her second amortization plan was dismissed in December, because she again didn't make the prorated payments.
When Smith filed a third Chapter 128 in May, We Energies sought the declaratory judgment.
All that followed a 2008 bankruptcy that discharged about $7,000 of debt Smith owed to the utility, said Nelson, the We Energies attorney.
Booker said he thinks there's probably room for more interpretation about Chapter 128 and how it deals with utilities as creditors. But he said most people seeking debt amortization don't have the money to litigate cases.
Even if they did, that's an uncertain path.
"There hasn't been an appellate decision about Chapter 128 in 50 years," said Lueders. "Do I want to appeal and create bad law if they agree with Pocan?"
He said he's still researching the next step, which might also include trying to get an urban legislator involved in trying to change the law to clearly say a Chapter 128 petition does require utilities to halt any disconnection - as long they're getting some payment under the amortization plan.
Meanwhile, Pocan's ruling alone doesn't mean We Energies will never leave the lights on for someone trying to amortize their debt under state law.
"There may be some other implications, maybe the plan and the administrative code might require connection," said Nelson, the attorney for We Energies, "but not Chapter 128 by itself."


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- (1) Wheel
- (1) Center Cap
- Hardware included:
- None Required
Free Shipping on Everything. Seriously. Details
$174.99 (each)FREE Shipping
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S197 Saleen Style Black Wheel - 20x9 (94-04 All)
Total Price with All Options:
I'm Justin with AmericanMuscle.com and today I have with me these AmericanMuscle Saleen style wheels for all 2005 and newer Mustangs. 2005 marked a year full of change for the Mustang and Saleen, Ford went totally retro with the style of their Mustang, but Saleen decided to go in a different direction with their S281's, introducing more modern styling into the equation, including the addition of these very cool, concave 7 spoke wheels. Taking a closer look at these Saleen style wheels you'll see we have them available in 3 different finish options, we have the triple dipper chrome option shown here, a silver option, and a very stealthy gloss black option. All these wheels are constructed from durable lightweight aluminum and feature a lifetime structural warranty, and also a 1 year warranty on all finishes as well. As for the sizing the Saleens are offered in both 18 and 20" diameters, and in both staggered and non staggered fitment. We went with the 20" staggered fitment here on our 2013, which will give us that old school muscle car look but with a modern twist. The 2011 and the 2006 GT behind me are sporting the standard fitment, which simply means you have the same width wheels and tires on all 4 corners. I know what you're thinking, 20s might be a little big for some Mustangs but as you can see on our 2013 behind me, they look right at home. When purchasing a set of Saleen style wheels, you do have the option to get the wheels just by themselves, or you can save yourself a few steps and take advantage of one of our pre built tire and wheel combinations. Here we pair your new Saleens up with some of the top performing tires on the market today. We then mount, balance, and ship them to your front door all for free. Don't forget to take care of your TPMS sensor for all you 2007 and up guys. If you never installed a new set of wheels and tires before, don't worry, it couldn't be easier, all you need is some basic hand tools and a floor jack. You'll first want to make sure your car is on level ground, then go ahead and crack the lugs loose first before you jack your car up into the air. Once you've jacked your car up simply swap the wheels, and you're done, it shouldn't take you any more than an hour, and that's being generous. So if you're a big fan of what Saleen did to the S197 Mustangs, in terms of exterior styling, then a set of these concave 7 spoke wheels from AmericanMuscle.com would definitely be worth checking out.
Note: Priced per wheel.
Fitment: 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 Details
Free Mounting & Balancing: Professional mounting & balancing is available on all wheels and tires when purchased together on the same order, so you can just swap your wheels in your driveway when they arrive. We even offer Free Nitrogen tire fill (see option above).
What is TPMS? The Tire pressure Monitoring System is a safety feature on all 2007+ Ford Mustangs that alerts you when your tire pressure drops to an unsafe limit.
How do I keep my TPMS feature? Aftermarket wheels don't have TPMS sensors. If you select 'Add TPMS Sensor Kit' and 'Add TPMS Tool' at the top of the page when you order your wheels, then chose Free Mounting & Balancing when you add tires, we'll install the sensors for free!
For more Information, check out TPMS Sensor Kits or TPMS Tool in detail.
Difficulty Level:Simple installation for anyone
Installation Guides:
|AmericanMuscle Wheels
|S197 Saleen
|Front or Rear
|Centercap Size:
|Large (2-1/2")
|Back Spacing:
|6.2" (158mm)
|+30mm (1.2")
|Bolt Pattern:
|5x4.5" (5x114.3mm)
|31.7 lbs
|Lip Size :
|Best Tire :
|1994 - 1998: 245/30-20 1999 - 2004: 245/30-20
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Staggered FR500 Style Gloss Black Wheel & Sumitomo Tire Kit - 18x9/10 (99-04 All)
Rovos Durban Gloss Black Wheel - 18x10.5 (94-04 All)
Saleen Style Black Wheel - 19x8.5 (94-04 All)
Rovos Durban Gunmetal Wheel - 18x10.5 (94-04 All)
Performance Pack Style Black Wheel - 19x8.5 (94-04 All)
2013 GT500 Style Gloss Black Wheel - 20x8.5 (94-04 All)
Staggered Saleen Style Black Chrome Wheel & Sumitomo Tire Kit - 18x9/10 (99-04)
Staggered Saleen Style Black Wheel & Sumitomo Tire Kit - 18x9/10 (99-04)
No questions about this product yet.Ask the First Question
Forgestar Matte Black F14 Drag Edition Wheel - 15x10 (05-14 All; Excludes 07-14 GT500)
Forgestar Matte Black F14 Drag Edition Wheel - 17x4.5 (05-14 All)
Forgestar Matte Black F14 Drag Edition Wheel - 17x9.5 (05-17 All)
Rotiform Matte Black TMB Wheel - Driver Side - 19x10 (05-14 All)
Forgestar Sapphire Blue CF10 Wheel - 19x9 (05-14 All)
Forgestar Silver CF10 Wheel - 20x9 (05-14 All)
AMR Black Wheel - 18x8 (05-14 All)
Pony Style Chrome Wheel - 16x7 (87-93; Excludes 93 Cobra)
Installation Time:Shop Install
Installation Time: Shop Install
June 20, 2014
looks great
had to replace a wheel, one had cracked, bought this wheel to replace it.
Finish 5
Appearance 5
Quality 5
Bang for your Buck 5


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Msi Drivers Download Utility 3.4.5
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The Clinical Senate provides a forum for clinicians to come together and debate complex and wide ranging issues that impact upon the health of all Western Australians.
The recommendations that emerge from these high-level debates are presented to the Director General of WA Health and the State Health Executive Forum (SHEF) for their consideration and action within the broader health system
The Clinical Senate was established by the Department of Health in 2003 on the recommendation of the Health Administrative Review Committee (HARC).
It is funded by the Western Australian Department of Health and is directly responsible to the Director General of Health.
The Clinical Senate Executive Committee is comprised of eight members led by Professor Julie Quinlivan and is responsible for planning the quarterly meetings and overseeing administration of the Senate.
The Clinical Senate:
The Clinical Senate is an independent body and comprises more than 80 members drawn from diverse clinical backgrounds, professional skill-sets, and from both metropolitan and rural areas of the state. Members share a passion for improving healthcare services and population health in Western Australia.
The Clinical Senate has established a reputation as an authoritative source of clinical advice to WA Health. Over the years, it has debated many complex and controversial topics. The Senate's topic selection process is influenced by the pressing health issues of the day, and the resulting debates resonate with key healthcare reform directions emerging around Australia and the world.
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According to Allison Janney, it only took one line of dialogue to convince her to return to series television after a four-year absence.
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|Brewers 1st
|Rick Vanden Hurk pitching:
|Craig Counsell:
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|J.J. Hardy:
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|Johnny Estrada:
|Strike looking, Ball, Foul, Pickoff attempt, Estrada struck out looking.
|End of Inning (0 Runs, 1 Hit, 0 Errors)
|Marlins 1st
|Claudio Vargas pitching:
|Alfredo Amezaga:
|Strike looking, Foul, Foul, Foul, Foul, Ball, Ball, Ball, Amezaga struck out swinging.
|Dan Uggla:
|Ball, Uggla doubled to left.
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Pudding Pop Level 901 Tips, Videos and Answers
- App name: Pudding Pop
- Developer: CookApps
- Genre: Puzzle
- Release: Jun 22, 2014
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Level 901 Walkthrough
This page contains Pudding Pop video walkthroughs for iOS (iPhone/iPad) called "Pudding Pop Level 901" and has been uploaded on skillgaming official channel at Jul 19, 2015.
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Shares of Eli Lilly and Company (NYSE:LLY) declined -2.07% and ended at $78.24 smaller than previous closing price of $79.89. The total 4.15 million shares were bought and sold throughout the most recent trading session more than average volume of 3.89 million shares.
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