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New kit Furygan winter clothing range revealed
Highlights from Furygans new winter clothing range
The Spark jacket
The Groove jacket
Phoenix women's jacket
Trekker Evo trousers
Must All Season gloves
FRENCH clothing manufacturer Furygan has recently announced its range of winter clothing, which contains several new additions for 2015. Here are some of the highlights.
Spark textile jacket - £179.99
Of all Furygan's new winter jackets, the Spark is the most 'sporty' looking. It's made from high tenacity polyester and features D30 CE-approved armour at the shoulder and elbows. It features a waterproof insert and a removable thermal lining, a storm flap under the main zip to keep rian and wind out, along with five pockets and reflective detailing on the chest and back.
Groove jacket - £189.99
The Groove is a textile jacket that features a three-layer lining that's designed to create a warm, waterproof, wind-blocking and breathable shell. It's got CE approved armour in all the right places, plus five pockets.
Phoenix women's jacket - £179.99
The Phoenix is made of high tenacity polyester and features CE-approved armour, a waterproof and breathable insert and removable padded thermal lining. It's got five pockets and is adjustable at the waist, hips and arms. How do we know it's a women's jacket? Because it's got some pink detailing, of course.
Trekker Evo trousers (also available as the Trekker Lady Evo) – both £159.99
The Trekker Evo trousers are designed to keep you warm, dry and comfortable on long rides. They've got CE-approved armour at the knees and hips, plus reflective panels on the legs, ankles and kidneys. The thermal lining is removable and the waist is elasticated for optimum fit.
Must All Season gloves - £69.99
The Must All Season gloves have got CE-approved external knuckle protection and are made from a mix of textile and goat leather. There's a bridge between the little and ring fingers and the gloves have a breatheable and waterproof lining along with a brushed fabric lining for warmth.
5 tips to beat the cold this winter
Used: Furygan Shield 3-in-1 textile jacket review
Used: Furygan Vent Sympatex gloves review
New: Keis X2 heated trousers
Used: Richa Cold Protect gloves
|Thread Tools


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Back in June, prior to departing to the Lake District for a holiday, I discovered that the tyres on my car were coming to the end of their safe life, so I bought four new ones which I felt was a good idea bearing in mind the travelling I was about to do.
Saturday, half way through my holiday, found me negotiating the infamous "Hardknott Pass", which links two of the Lake District Dales. It's not for the faint-hearted and although I safely made my way to the summit, on the way back down I misjudged a bend and ripped open one of my brand new tyres on a piece of Cumbrian granite. The following day saw a visit to Workington for a replacement.
This morning I was doing nothing more outlandish than heading to Horsham for a bit of shopping. I'm feeling better after what has been a difficult few weeks of colds and vaccination reactions and was really looking forward to a browse around the shops.
Driving along a country lane I've driven many times before, and keeping to my side of the road in order to avoid an oncoming vehicle, I suddenly found where the local council had been trimming their highways budget. A whole chunk of tarmac about six feet long and one foot wide was missing. My front near-side wheel went into this and the serrated edge of the remaining tarmac ripped it open. It went off with such a bang that some golfers from the nearby golf course came over to make sure I was okay.
I was fine but sadly the same could not be said for the tyre. So out of the four new tyres in June, only two now survive. That's after about 3000 miles on the clock.
But my difficulties were just beginning. Having assured the golfers that I would be okay, I quickly discovered the realities of the modern air-powered nut spinners that these tyre shops use. Back in June, it had been a close run thing as to whether or not I could actually change the tyre as the damn things were on so tight it took all I could muster to shift them. Now, back in the homelands of West Sussex, it proved impossible. What was worse I was starting to damage the looking wheel bolts key. So, I had to do something I've never done in over 45 years of driving – I called the AA…….
Thankfully I was in a spot where there was some mobile coverage (you wouldn't believe the dead spots we have around here and so close to major towns). Of course I had to deal with the (sadly) expected misgendering on the phone. Having given my name and membership number, the operator asked who I he actually was speaking to. This is the usual reaction when the voice doesn't meet their perceptions of what it should be. I wasn't in the mood for this and so promptly told him he WAS speaking to Mrs Grove, even if my voice didn't match his expectations. He seemed to accept that well and the rest of the call proceeded okay until I got the "Thank you Sir" at the end. I just replied "MADAM!" and got an apology.
Having been given a lead time of 90 minutes it was good to see the breakdown van turn up in half that time. I really didn't think he was going to be able to crack the key problem and I had visions of seeing my car being taken home on the back of a breakdown vehicle. But he persevered and in the end I'm not sure who was the more relieved when the awkward bolt finally moved. From then it was a quick job to fit the spare tyre, do the paperwork and be on my way.
Sadly though, the day was over as far as shopping was concerned. The priority was to get a replacement tyre and that took up was little time I had left. Then of course there is the matter of sorting out a claim against the council. I'm not letting this go and made sure I took photos of the damaged road and my ruined tyre. I've also got to sort out what to do about the remaining locking wheel bolts. The priority is to free off all the wheel bolts on the car and do them up to a level where I know I'll be able to undo them. Then there is the matter of deciding whether or notto keep the locking wheel bolts. I've had problems in the past with the key failing and causing trouble. I can't help feeling there must be a more reliable alternative.
|The damage to the tyre.
As well as the main cut near the rim,
There is a smaller one above the lettering.
Both would have been fatal to the tyre.
|The Offending Road Damage.
The photo doesn't give the full impression
of how deep the rut is.
In fact it was about six inches deep and
I felt the car fall into it before the tyre burst.
My stranded car is at the top of the photo.
When, as a transitioning woman, you find yourself in situations that are new and something you're not used to, it can be rather intimidating. Today was full of such events and gives you cause to consider how it went and more importantly, how you yourself coped. The situation with the AA calls centre I've already mentioned and I was happy with my reaction. I've reached the situation now when at the slightest sign of confusion or misgendering I tell them firmly who I am, even if my voice doesn't match their expectations. That usually does the trick. But it can be wearing.
The AA mechanic who attended the call was no problem. However, as we conversed I was left with the impression the he was talking to me as if to a man. Perhaps that was just me and in the end it's difficult to know how to react, so long as there is no obvious misgendering.
At the tyre shop again, I was treated well. When it came to paying I was shown the computer screen with both my old and new identities on it and nicely asked to confirm which one I wished to use.
The most interesting about today was that it confirmed in me that I can deal with a wide range of situations. I've been aware of this as the first year of my transition has proceeded and today confirmed this. It's been a bad year in many respects, at a time when it should have been the complete opposite. In fact it's been rather draining and left me with many fears for the future.
There are times when in my darkest moments I think of giving up the whole thing. It's not a realistic reaction I know, but at times it's hard to deal with. I just wish I could re-kindle that feeling of optimism I enjoyed when I set out on this path.

subset: commoncrawl


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Inspired by this viewtopic.php?f=18&t=10781 thread.
This would make a good game.
The player is in a pre-divorce situation. He finds himself in his own loft for the last time. He has a chainsaw and maybe other tools of his choosing.
She who used-to-have-to-be-obeyed "just popped out", maybe for the last time, maybe for forever, maybe to go meet Chad. You have no idea how much time you have.
If you do nothing she gets the house. The objective is to neutralise the house as an asset by rendering it structurally unsound, preferably fit only for demolition. At the same time you do not want the roof to collapse or anyone to to be hurt lest the authorities take note. You also want to give yourself time to make it clean away, preferably to another continent. This is delayed action or slow motion demolition.
Roof members may be cut through, partially cut through or left alone.
Which members do you cut?
Obviously the answer will depend on the design of the roof.
The only variant to this game I can think of involves water; some kind of slow, silent leak in an inaccessible area.
Meddling with the electrics, the gas supply or indulging in arson mean that you automatically lose. Fungii and moulds work far too slowly. Messing with the lives of people who subsequently buy the house again means that you auto-lose.


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Sid is my old man. Now that he has retired to the Costa del Sol, we all call him El Sid. Veronica is Dad's latest leg-over: sixty-two, Spanish, big hair, short skirt, big knockers, benign skin cancer. Likes being tied up, according to Dad. I just don't know what they see in him. It must be the fascination of the horrible. Anyway, we are on our way over to Little-Eyed Dave's seafood restaurant El Rabioso. Veronica and I have just met for the first time.
Inside the car there are three different perfumes competing for supremacy. My Adidas after-shave, Dad's "Eau de Colon" as he puts it, and Veronica's Attention s'il vous Plait. I've bunged Chris Rea's Road to Hell on the CD player.
"See my boy there," says Dad to Veronica, trying to set the romantic tone. "He's a whore of literature." Ever since I became a journalist, he has always introduced me to his friends like that. Probably something he read on the back of a matchbox. Actually I quite like it, and nod modestly. But Veronica's English doesn't extend to archaic euphemisms such as that one. Looking in the rear-view mirror I can see her pretty brown forehead furrowing with puzzlement.
"What is Whore?" she says.
Dad thinks for a second, and says: "You know. Whore!" then follows up by cleaning his teeth with an imaginary tooth-brush. Veronica remains unenlightened.
"Whore?" she says.
"Whore!" yells Dad, as if to say that if anyone ought to know the meaning of the word, she should.
I come to Veronica's aid.
Turning round and tapping myself vigorously in the chest, I say: "Me, prostitute."
"Ah! You are prostitute!" says Veronica, glad to be back in the picture, slightly surprised by the information, but wishing me well none the less.
"Prostitute of literature," I say, taking both hands off the wheel to scribble on my palm with an imaginary biro.
This is too much for Veronica, who shrugs a graceful, eloquent shrug of utter hopelessness and despair.
"You are a daft bint. What are you?" says Dad.
"What is bint?" says Veronica.
Little-Eyed Dave is glad to see us. "You nice, Jel?" he says as we walk in to El Rabioso.
Dad and Little-Eyed grew up together in north London. Whereas Dad went into the rag trade, Little-Eyed became an armed robber. He likes to give the impression that he reached the pinnacle of his chosen profession and worked with all the big boys. He likes to drop dark hints, for instance, that he had a hand in the Brinks-Mat bullion job. Fact is, Little- Eyed wouldn't know which end of a shotgun to saw off, says Dad. But there is no doubt that Little-Eyed is on first name terms with a few faces, whose Rolls-Royces can be seen parked outside his restaurant from time to time.
As we hang up our jackets, Dad introduces Little-Eyed to Veronica. "You nice babe?" says Little-Eyed, grasping her hand. When Veronica disappears to freshen up, Little-Eyed turns to Dad and says: "Sid, has that accident been reported?"
Little-Eyed Dave's wife Maureen is out at a feng shui workshop. So after the meal Little-Eyed takes us up to the flat for a game of putting the dog in the chandelier.
Little-Eyed and Maureen have got this chandelier in their living room. When it was first put in, it was the talk of Torremolinos. Maureen's beloved Jack Russell, Tonto, absolutely hates this chandelier. He hates it so much that when it's lit up they have to shut him in the kitchen otherwise he works himself into such a state of apoplexy he has fits. And then Maureen gets in such a state over the dog she nearly has fits. And then Little-Eyed says to Maureen that she loves that bloody dog more than she loves him, and they fall out over it.
So we troop upstairs, turned on the chandelier and while Veronica watches we take it in turns to hold the dog in the chandelier. We always do this if Maureen is out and we're a bit lit up ourselves. It sort of rounds off the evening. "Ooo, be careful, Sid," says Veronica, when it is Dad's go.Reuse content


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A pair of children's gloves featuring The Gruffalo - from the bestselling books by Julia Donaldson and Axel Scheffler.With rubberised palms for serious digging and messing about in the garden, and featuring the Gruffalo himself on the back of each hand.One size. Measurements when flat: 18cm from tip of middle finger to bottom of wrist cuff and 7cm across palm.See also the gorgeous Gruffalo gardening tool set, watering can, wellies and wellie socks, all available in the Nutley's shop.
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All orders are processed within 1 working day. Orders are sent with Royal Mail 48, or heavier items are sent with DHL. First-class orders are sent with Royal Mail 24, or with overnight DHL. We can track and trace most orders - please call us on 01903 233299 with any delivery issues.


text:
Have any of you ever seen a voyeur? I have. Inspired from a true story.
I don't know how many of you have ever seen a voyeur – for being stealthy is their trademark – but this experience freaked the living daylights out of me.
My roommates were both home, leaving me alone and bored in a mostly moved-in apartment. I called a friend over for a welcome distraction, which ended shortly after midnight. I moved back to my room, with my laptop, and went about doing whatever I was doing – seems my memory got wiped clean. Around 1A.M., I was ready to go sleep and still needed to change into my sleeping shirt. Assuming my blinds were closed, I pulled off my shirt, walked to my bed and unhooked my bra, about to put my shirt on when I saw a silver camera. There was a two inch gap, because I hadn't realized my blinds were slanted. But someone else did.
My mind froze, but my instincts took over. I threw myself on the bed, my heart pounding and my thoughts racing: What the-- They saw me! … taking pictures!? … leave? What do I do!? While I fumbled to put on my shirt nearly horizontally, I heard a car leaving. By the time I was standing and looking through the blinds, quite frightened and in shock, the parking lot was empty. I could feel myself shaking, and I had to collect my thoughts. Turn on the computer, talk to someone—come on, faster! … talk to someone--
I log onto facebook and AIM, searching for my late night friends and screaming for advice as a very brief urge to cry overcomes me. Do I even call the cops? The guy's long gone, but I'm still freaking out. Even though I won't sleep tonight, I need them to reassure me and say they checked the area. So I call, and talk to a thorough dispatcher. Life has a way of changing your perspective on things, because had this happened in a movie, I would've noticed the offender's sweater, or even get a glimpse of his face or skin tone. But this, no. All I saw was a silver camera, I didn't even spot fingers! I was completely frozen in shock, and any kind of movement seemed unthinkable.
So I waited, retelling my story to different friends – all as horrified as I was – but I was still shaking. New thoughts emerged: What if he had taken pictures? The camera hadn't "appeared" as far as I could tell, it had been held steadily. A soft knock about 20 minutes later jolted me out of my room, where I'd been confining myself, afraid that every noise was someone in the apartment. A young, short police officer was there and asked to come in. He inquired for information I couldn't provide, details I hadn't seen or registered in my terrified mind. I showed him the room and described what I remembered. How could I not have pushed up the blinds to see the guy's face? I already knew there was no chance of him getting caught.
After he gave me all the information and left, I was alone once again, in a very empty – now scary – apartment. I went back online, my brain awakening quickly now that I'd gone through the story many times. I could set a trap, try to catch that sucker on camera. It was kind of thrilling, but scary, to see where my thoughts took me – a strange way of coping. I couldn't take the picture by myself, I'd need a friend, or perhaps two, who could maybe wait on the patio and try to run after him. I couldn't set the trap in my room either, but my roommate's room might work. Red flags went up: Hold up, what if the trespasser was armed and someone got hurt? So maybe setting a trap isn't the best idea, but at least it kept me occupied and stabilized my frantic mind.
I wasn't about to sleep, but music, reading and TV shows would in no way stop my buzzing thoughts. Writing was the best option. Here, I can pause, rationalize, and analyze my reactions. I still don't know if my reaction to duck and cover was "normal," or if I'm freaking out too much or not enough. Why hadn't I tried to see his face? I couldn't think, and why would I want to? Could he have taken any pictures of me? Probably yes; a discomforting thought, but one I'd have to live with – small price to pay for future vigilance. The more I try to remember, the harder it is. And every time I look at the window, my stomach feels queasy. Long night ahead, plenty of time to look for curtains – which I had already planned on getting, this simply added urgency.
By 5A.M., my buddy lists were nearly devoid of people and I could feel my eyes stinging, begging for relief. I gave in to a friend's advice, plugged in a night light and slowly crept in bed. I can't get over the feeling of having my safe place violated, and all kinds of thoughts still swirled relentlessly in my paranoid mind. Needless to say, I had trouble falling asleep, staring at the corner where the camera had been. Every noise I heard sounded like him, even if it was just the wind shuffling leaves outside. I hugged my stuffed animal and wondered how my parents would react to the news. My mother will probably hint this was one of the reasons she didn't want three girls living on the first floor. You'd think by now, I'd know to weigh motherly advice more carefully, as mothers are, after all, quite wise.


text:
Edit Article
wikiHow to Prepare Easy Hollandaise Sauce
This easy Hollandaise Sauce is prepared using a blender and can be put together in only 5 minutes. An immersion blender does a great job or a counter top blender can be used. This recipe makes 1 cup of sauce.
- 3 egg yolks
- 2 tablespoons lemon juice
- 1/4 teaspoon salt
- 1/2 cup butter, melted and HOT
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- If sauce thickens too much, add 1 or 2 teaspoons of hot water then beat until smooth.
Things You'll Need
- Immersion blender or counter top blender
- A microwave for melting the butter


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The cloud computing is a computing platform for the next generation of the Internet. It defines clouds and the need for it to be virtualized, explains virtualization as the key element in any form of application or resource brokering. Also defines virtual machines and their working, types of clouds and service delivery models. Cloud computing users can avoid capital expenditure on hardware, software, and services when they pay a provider only for what they use. Consumption is usually billed on a utility or subscription basis with little or no upfront cost. Virtual machines are a fundamental building block of a much larger solution: the virtual infrastructure. Virtual Infrastructure unifies discrete hardware resources to create a shared dynamic platform, while delivering built-in availability, security and scalability to applications. It supports a wide range of operating system and application environments, as well as networking and storage infrastructure.
The applications of cloud computing are practically limitless. With the right middleware, a cloud computing system could execute all the programs a normal computer could run, potentially everything from generic word processing software to customized computer programs designed for a specific company. The front end is the side the computer user, or client, sees. The back end is the "cloud" section of the system. Applications and data can be accessed from anywhere at any time. It reduces the need for advanced hardware on the client side. The companies don't have to buy a set of software or software licenses for every employee. It reduces the overhead costs in terms of physical space at the user end by storing their data. Cloud computing is advantageous than grid, utility and autonomic computing. The paper also discusses various risk mitigation measures.
Read more–> Cloud Computing, Grid Computing, Mobile computing


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* Primarily a Business and Advertising designer who loves designing Keynote and PowerPoint presentations, email, signage, infographics, resume, brochure and flyers to seize attention and emotions.
* UI/UX environmentalist in app and web designing.
* Here for challenges and designing for love.
Member since: December 29, 2014
"Very professional and great work. Thanks a lot & hope to work again very soon!"
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"Nex Dsign did an outstanding job for me putting together an extremely professional PowerPoint presentation for my new business. The designer took all of my feedback and incorporated it in unique and innovative ways despite my otherwise boring tastes. ..."
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"It's a pleasure to work with such a designer who is already ready to fine tune and spend the hours to provide a good design to his client. Thanks!"


text:
Restricted Area Safety Sign: Flammable Liquids No Smoking
Alert employees that only authorized persons may enter this non-smoking area.
- Sign clearly marks a restricted area where the presence of flammable liquids means smoking is prohibited
- Post near any restricted access area where flammable liquids are housed or used
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- Flexible 4-mil thick vinyl with acrylic adhesive
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Smarter Travel
Explore Baltimore
Also Featured In
Photo courtesy of Tamar Alexia Fleishman
American Visionary Art Museum
Type: Art Museums, Museums
10Best Says
The main building's facade is a mosaic of mirrored glass. Unique and curious sculptures fill the grounds, including the gigantic "Cosmic Egg."
You'll see contemporary art from artists who are self-taught. This is distinguished from traditional folk art, which is taught "at the knee" in an identifiable tradition.
Their gift shop has some pretty groovy things for kids of all ages, too.
800 Key Hwy
Baltimore, MD 21230
- Tue-Sun 10am-6pm
- Adult $15.95; Senior (60+) $13.95; Student $9.95; Child (6 and under) Free
- Things to Do with Kids: "If you come early on Sundays, you can find free parking on Key Highway."
- Best for Things to Do with Kids Because: Indoors and outdoors art that has an informality that kids can relate to and be inspired by.
- Free Things to Do: "Stop in to the Sideshow @ AVAM. Whether you're picking up a souvenir or need to find a present, this gift shop is full of wonders, curiosities and all manner of fun treasures."
- Best for Free Things to Do Because: The exterior of the American Visionary Art Museum is sprinkled sculptures and oddities to delight visitors and whet their appetites for what's in store inside.


text:
Society for Financial Studies
Review of Financial Studies
Postal: Oxford University Press, Journals Department, 2001 Evans Road, Cary, NC 27513 USA.
Fax: 919-677-1714
Web page: http://www.rfs.oupjournals.org/
More information through EDIRC
Fax: 919-677-1714
Web page: http://www.rfs.oupjournals.org/
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Order information:
Web: http://www4.oup.co.uk/revfin/subinfo/
Pricing information: GBP32, USD45 individual for one year; GBP7, USD10 for students
Current editor: Maureen O'Hara
For corrections or technical questions regarding this series, please contact (Oxford University Press) or (Christopher F. Baum)
Series handle: repec:oup:rfinst
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April 2010, Volume 23, Issue 4
- 1405-1432 Why Does the Law of One Price Fail? An Experiment on Index Mutual Funds
by James J. Choi & David Laibson & Brigitte C. Madrian
- 1433-1466 Heterogeneous Expectations and Bond Markets
by Wei Xiong & Hongjun Yan
- 1467-1502 Improved Estimates of Higher-Order Comoments and Implications for Portfolio Selection
by Lionel Martellini & Volker Ziemann
- 1503-1543 Equilibrium Asset Pricing and Portfolio Choice Under Asymmetric Information
by Bruno Biais & Peter Bossaerts & Chester Spatt
- 1544-1595 Insider Trades and Demand by Institutional and Individual Investors
by Richard W. Sias
- 1596-1650 The Market Price of Aggregate Risk and the Wealth Distribution
by YiLi Chien & Hanno Lustig
- 1651-1680 Asset Return Dynamics and Learning
by William A. Branch & George W. Evans
- 1681-1717 Do Demand Curves for Currencies Slope Down? Evidence from the MSCI Global Index Change
by Harald Hau & Massimo Massa & Joel Peress
- 1718-1740 Excess Comovement in International Equity Markets: Evidence from Cross-border Mergers
by Richard A. Brealey & Ian A. Cooper & Evi Kaplanis
- 1741-1770 The Value of Control in Emerging Markets
by Anusha Chari & Paige P. Ouimet & Linda L. Tesar
March 2010, Volume 23, Issue 3
- 939-961 The State of Corporate Governance Research
by Lucian A. Bebchuk & Michael S. Weisbach
- 962-1003 What Do Independent Directors Know? Evidence from Their Trading
by Enrichetta Ravina & Paola Sapienza
- 1004-1050 Wall Street and Main Street: What Contributes to the Rise in the Highest Incomes?
by Steven N. Kaplan & Joshua Rauh
- 1051-1088 Extreme Governance: An Analysis of Dual-Class Firms in the United States
by Paul A. Gompers & Joy Ishii & Andrew Metrick
- 1089-1119 Investor Protection and Interest Group Politics
by Lucian A. Bebchuk & Zvika Neeman
- 1120-1148 Managerial Agency and Bond Covenants
by Sudheer Chava & Praveen Kumar & Arthur Warga
- 1149-1199 Lending Relationships and Information Rents: Do Banks Exploit Their Information Advantages?
by Carola Schenone
- 1200-1230 Endogenous Entry and Partial Adjustment in IPO Auctions: Are Institutional Investors Better Informed?
by Yao-Min Chiang & Yiming Qian & Ann E. Sherman
- 1231-1260 The Evolution of Corporate Ownership after IPO: The Impact of Investor Protection
by C. Fritz Foley & Robin Greenwood
- 1261-1286 Internal Governance Mechanisms and Operational Performance: Evidence from Index Mutual Funds
by John C. Adams & Sattar A. Mansi & Takeshi Nishikawa
- 1287-1323 How Do Pensions Affect Corporate Capital Structure Decisions?
by Anil Shivdasani & Irina Stefanescu
- 3093-3129 Returns to Shareholder Activism: Evidence from a Clinical Study of the Hermes UK Focus Fund
by Marco Becht & Julian Franks & Colin Mayer & Stefano Rossi
- 3131-3169 Differences in Governance Practices between U.S. and Foreign Firms: Measurement, Causes, and Consequences
by Reena Aggarwal & Isil Erel & René Stulz & Rohan Williamson
- 3245-3285 Do Foreigners Invest Less in Poorly Governed Firms?
by Christian Leuz & Karl V. Lins & Francis E. Warnock
February 2010, Volume 23, Issue 2
- 467-486 The "Antidirector Rights Index" Revisited
by Holger Spamann
- 487-517 Do Envious CEOs Cause Merger Waves?
by Anand M. Goel & Anjan V. Thakor
- 519-547 Financial Visibility and the Decision to Go Private
by Hamid Mehran & Stavros Peristiani
- 549-580 How Law Affects Lending
by Rainer Haselmann & Katharina Pistor & Vikrant Vig
- 581-599 Evidence on the Dark Side of Internal Capital Markets
by Oguzhan Ozbas & David S. Scharfstein
- 601-644 Shareholders at the Gate? Institutional Investors and Cross-Border Mergers and Acquisitions
by Miguel A. Ferreira & Massimo Massa & Pedro Matos
- 645-703 The Levered Equity Risk Premium and Credit Spreads: A Unified Framework
by Harjoat S. Bhamra & Lars-Alexander Kuehn & Ilya A. Strebulaev
- 705-739 Learning by Trading
by Amit Seru & Tyler Shumway & Noah Stoffman
- 741-780 When Can Life Cycle Investors Benefit from Time-Varying Bond Risk Premia?
by Ralph S. J. Koijen & Theo E. Nijman & Bas J. M. Werker
- 781-820 Market-Based Corrective Actions
by Philip Bond & Itay Goldstein & Edward Simpson Prescott
- 821-862 Out-of-Sample Equity Premium Prediction: Combination Forecasts and Links to the Real Economy
by David E. Rapach & Jack K. Strauss & Guofu Zhou
- 863-899 The Idiosyncratic Volatility Puzzle: Time Trend or Speculative Episodes?
by Michael W. Brandt & Alon Brav & John R. Graham & Alok Kumar
- 901-937 Do Analysts Herd? An Analysis of Recommendations and Market Reactions
by Narasimhan Jegadeesh & Woojin Kim
January 2010, Volume 23, Issue 1
- 1-23 Portfolio Performance and Agency
by Philip H. Dybvig & Heber K. Farnsworth & Jennifer N. Carpenter
- 25-100 Dynamic Asset Allocation: Portfolio Decomposition Formula and Applications
by Jérome Detemple & Marcel Rindisbacher
- 101-146 Dynamic Investment and Financing under Personal Taxation
by Erwan Morellec & Norman Schürhoff
- 147-168 Return Reversals, Idiosyncratic Risk, and Expected Returns
by Wei Huang & Qianqiu Liu & S. Ghon Rhee & Liang Zhang
- 169-202 Expected Idiosyncratic Skewness
by Brian Boyer & Todd Mitton & Keith Vorkink
- 203-246 Information Linkages and Correlated Trading
by Paolo Colla & Antonio Mele
- 247-269 Financial Constraints, Investment, and the Value of Cash Holdings
by David J. Denis & Valeriy Sibilkov
- 271-303 Ex-dividend Arbitrage in Option Markets
by Jia Hao & Avner Kalay & Stewart Mayhew
- 305-344 Growth or Glamour? Fundamentals and Systematic Risk in Stock Returns
by John Y. Campbell & Christopher Polk & Tuomo Vuolteenaho
- 345-383 Variance Risk-Premium Dynamics: The Role of Jumps
by Viktor Todorov
- 385-432 The Effects of Marital Status and Children on Savings and Portfolio Choice
by David A. Love
- 433-464 Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts
by Dean Karlan & Jonathan Zinman
2009, Volume 24, Issue 4
- 1141-1203 Lending Relationships and Loan Contract Terms
by Sreedhar T. Bharath & Sandeep Dahiya & Anthony Saunders & Anand Srinivasan
December 2009, Volume 22, Issue 12
- 4849-4880 Tunnel-Proofing the Executive Suite: Transparency, Temptation, and the Design of Executive Compensation
by Thomas H. Noe
- 4881-4917 A Multiplicative Model of Optimal CEO Incentives in Market Equilibrium
by Alex Edmans & Xavier Gabaix & Augustin Landier
- 4919-4948 Empire-Building or Bridge-Building? Evidence from New CEOs' Internal Capital Allocation Decisions
by Yuhai Xuan
- 4949-4988 Bankruptcy Codes and Innovation
by Viral V. Acharya & Krishnamurthy V. Subramanian
- 4989-5026 Investment Banks as Insiders and the Market for Corporate Control
by Andriy Bodnaruk & Massimo Massa & Andrei Simonov
- 5027-5067 Macro Factors in Bond Risk Premia
by Sydney C. Ludvigson & Serena Ng
- 5069-5098 Empirical Analysis of Corporate Credit Lines
by Gabriel Jiménez & Jose A. Lopez & Jesus Saurina
- 5099-5131 Explaining Credit Default Swap Spreads with the Equity Volatility and Jump Risks of Individual Firms
by Benjamin Yibin Zhang & Hao Zhou & Haibin Zhu
- 5133-5174 Basis Assets
by Dong-Hyun Ahn & Jennifer Conrad & Robert F. Dittmar
- 5175-5212 Brokerage Commissions and Institutional Trading Patterns
by Michael A. Goldstein & Paul Irvine & Eugene Kandel & Zvi Wiener
- 5213-5249 Return Decomposition
by Long Chen & Xinlei Zhao
- 5251-5294 Expected Returns and the Business Cycle: Heterogeneous Goods and Time-Varying Risk Aversion
by Lars A. Lochstoer
November 2009, Volume 22, Issue 11
- 4301-4334 Anomalies
by Erica X. N. Li & Dmitry Livdan & Lu Zhang
- 4335-4376 Nonparametric Estimation of State-Price Densities Implicit in Interest Rate Cap Prices
by Haitao Li & Feng Zhao
- 4377-4422 Good Times or Bad Times? Investors' Uncertainty and Stock Returns
by Arzu Ozoguz
- 4423-4461 Unspanned Stochastic Volatility and the Pricing of Commodity Derivatives
by Anders B. Trolle & Eduardo S. Schwartz
- 4463-4492 Expected Stock Returns and Variance Risk Premia
by Tim Bollerslev & George Tauchen & Hao Zhou
- 4493-4529 Understanding Index Option Returns
by Mark Broadie & Mikhail Chernov & Michael Johannes
- 4531-4552 Open-Loop Equilibria and Perfect Competition in Option Exercise Games
by Kerry Back & Dirk Paulsen
- 4553-4599 Benchmarking Money Manager Performance: Issues and Evidence
by Louis K. C. Chan & Stephen G. Dimmock & Josef Lakonishok
- 4601-4641 A Dynamic Model of the Limit Order Book
by Ioanid Rosu
- 4643-4680 Size and Focus of a Venture Capitalist's Portfolio
by Paolo Fulghieri
- 4681-4714 Incentive Contracts in Delegated Portfolio Management
by C. Wei Li & Ashish Tiwari
- 4715-4752 On the Growth Effect of Stock Market Liberalizations
by Nandini Gupta & Kathy Yuan
- 4753-4786 A Reexamination of Corporate Governance and Equity Prices
by Shane A. Johnson & Theodore C. Moorman & Sorin Sorescu
- 4787-4820 The Sale of Multiple Assets with Private Information
by Zhiguo He
- 4821-4847 Option Backdating and Board Interlocks
by John Bizjak & Michael Lemmon & Ryan Whitby
October 2009, Volume 22, Issue 10
- 3839-3871 The Limitations of Industry Concentration Measures Constructed with Compustat Data: Implications for Finance Research
by Ashiq Ali & Sandy Klasa & Eric Yeung
- 3873-3906 Disagreement and Learning in a Dynamic Contracting Model
by Tobias Adrian & Mark M. Westerfield
- 3907-3939 Liquidity and Manipulation of Executive Compensation Schemes
by Ulf Axelson & Sandeep Baliga
- 3941-3976 Large Shareholders and Corporate Policies
by Henrik Cronqvist & Rüdiger Fahlenbrach
- 3977-4007 Scaling the Hierarchy: How and Why Investment Banks Compete for Syndicate Co-management Appointments
by Alexander Ljungqvist & Felicia Marston & William J. Wilhelm
- 4009-4056 Ownership: Evolution and Regulation
by Julian Franks & Colin Mayer & Stefano Rossi
- 4057-4090 Estimating the Effect of Hierarchies on Information Use
by Jose M. Liberti & Atif R. Mian
- 4091-4127 Pension Reform, Ownership Structure, and Corporate Governance: Evidence from a Natural Experiment
by Mariassunta Giannetti & Luc Laeven
- 4129-4156 Assessing the Costs and Benefits of Brokers in the Mutual Fund Industry
by Daniel Bergstresser & John M. R. Chalmers & Peter Tufano
- 4157-4188 Ambiguity Aversion and the Term Structure of Interest Rates
by Patrick Gagliardini & Paolo Porchia & Fabio Trojani
- 4189-4217 Conflicts of Interest and Stock Recommendations: The Effects of the Global Settlement and Related Regulations
by Ohad Kadan & Leonardo Madureira & Rong Wang & Tzachi Zach
- 4219-4258 Measuring Abnormal Bond Performance
by Hendrik Bessembinder & Kathleen M. Kahle & William F. Maxwell & Danielle Xu
- 4259-4299 Demand-Based Option Pricing
by Nicolae Garleanu & Lasse Heje Pedersen & Allen M. Poteshman
September 2009, Volume 22, Issue 9
- 3329-3365 How Active Is Your Fund Manager? A New Measure That Predicts Performance
by K. J. Martijn Cremers & Antti Petajisto
- 3367-3409 On the Relation Between the Credit Spread Puzzle and the Equity Premium Puzzle
by Long Chen & Pierre Collin-Dufresne & Robert S. Goldstein
- 3411-3447 Parametric Portfolio Policies: Exploiting Characteristics in the Cross-Section of Equity Returns
by Michael W. Brandt & Pedro Santa-Clara & Rossen Valkanov
- 3449-3490 Model Comparison Using the Hansen-Jagannathan Distance
by Raymond Kan & Cesare Robotti
- 3491-3530 An Economic Evaluation of Empirical Exchange Rate Models
by Pasquale Della Corte & Lucio Sarno & Ilias Tsiakas
- 3531-3561 The Geography of Hedge Funds
by Melvyn Teo
- 3563-3594 Institutional Investors and the Informational Efficiency of Prices
by Ekkehart Boehmer & Eric K. Kelley
- 3595-3627 Information in Equity Markets with Ambiguity-Averse Investors
by Judson A. Caskey
- 3629-3668 Theory-Based Illiquidity and Asset Pricing
by Tarun Chordia & Sahn-Wook Huh & Avanidhar Subrahmanyam
- 3669-3705 Simulation-Based Estimation of Contingent-Claims Prices
by Peter C. B. Phillips & Jun Yu
- 3707-3734 Price Drift as an Outcome of Differences in Higher-Order Beliefs
by Snehal Banerjee & Ron Kaniel & Ilan Kremer
- 3735-3777 The Effectiveness of Reputation as a Disciplinary Mechanism in Sell-Side Research
by Lily Fang & Ayako Yasuda
- 3779-3837 Bank Liquidity Creation
by Allen N. Berger & Christa H. S. Bouwman
August 2009, Volume 22, Issue 8
- 2907-2939 Government Control of Privatized Firms
by Bernardo Bortolotti & Mara Faccio
- 2941-2971 Strategic Financial Innovation in Segmented Markets
by Rohit Rahi & Jean-Pierre Zigrand
- 2973-3004 Do Shareholder Rights Affect the Cost of Bank Loans?
by Sudheer Chava & Dmitry Livdan & Amiyatosh Purnanandam
- 3005-3046 Entrepreneurial Learning, the IPO Decision, and the Post-IPO Drop in Firm Profitability
by &Lubos Pástor & Lucian A. Taylor & Pietro Veronesi
- 3047-3091 How Are U.S. Family Firms Controlled?
by Belén Villalonga & Raphael Amit
- 3093-3129 Returns to Shareholder Activism: Evidence from a Clinical Study of the Hermes UK Focus Fund
by Marco Becht & Julian Franks & Colin Mayer & Stefano Rossi
- 3131-3169 Differences in Governance Practices between U.S. and Foreign Firms: Measurement, Causes, and Consequences
by Reena Aggarwal & Isil Erel & René Stulz & Rohan Williamson
- 3171-3209 The Euro and Corporate Valuations
by Arturo Bris & Yrjö Koskinen & Mattias Nilsson
- 3211-3243 Does Asymmetric Information Drive Capital Structure Decisions?
by Sreedhar T. Bharath & Paolo Pasquariello & Guojun Wu
- 3245-3285 Do Foreigners Invest Less in Poorly Governed Firms?
by Christian Leuz & Karl V. Lins & Francis E. Warnock
- 3287-3328 The Effects and Unintended Consequences of the Sarbanes-Oxley Act on the Supply and Demand for Directors
by James S. Linck & Jeffry M. Netter & Tina Yang
July 2009, Volume 22, Issue 7
- 2257-2294 Is the Market for Mortgage-Backed Securities a Market for Lemons?
by Chris Downing & Dwight Jaffee
- 2295-2330 Are "Market Neutral" Hedge Funds Really Market Neutral?
by Andrew J. Patton
- 2331-2370 How Smart Are the Smart Guys? A Unique View from Hedge Fund Stock Holdings
by John M. Griffin & Jin Xu
- 2371-2406 New Measures for Performance Evaluation
by Alexander Cherny & Dilip Madan
- 2407-2443 Liquidity and Market Crashes
by Jennifer Huang & Jiang Wang
- 2445-2485 The "Wall Street Walk" and Shareholder Activism: Exit as a Form of Voice
by Anat R. Admati & Paul Pfleiderer
- 2487-2533 Risk Shifting versus Risk Management: Investment Policy in Corporate Pension Plans
by Joshua D. Rauh
- 2535-2558 Testing Portfolio Efficiency with Conditioning Information
by Wayne E. Ferson & Andrew F. Siegel
- 2559-2599 Optimal Filtering of Jump Diffusions: Extracting Latent States from Asset Prices
by Michael S. Johannes & Nicholas G. Polson & Jonathan R. Stroud
- 2601-2633 Time-Varying Risk Premiums and the Output Gap
by Ilan Cooper
- 2635-2672 On Loan Sales, Loan Contracting, and Lending Relationships
by Steven Drucker & Manju Puri
- 2673-2705 Corruption, Political Connections, and Municipal Finance
by Alexander W. Butler & Larry Fauver & Sandra Mortal
June 2009, Volume 22, Issue 6
- 2133-2168 Big Business Owners in Politics
by Pramuan Bunkanwanicha & Yupana Wiwattanakantang
- 2169-2199 The Economics of Fraudulent Accounting
by Simi Kedia & Thomas Philippon
- 2201-2238 Market Liquidity and Funding Liquidity
by Markus K. Brunnermeier & Lasse Heje Pedersen
- 2239-2274 Asset Returns and the Listing Choice of Firms
by Shmuel Baruch & Gideon Saar
- 2275-2302 How Noise Trading Affects Markets: An Experimental Analysis
by Robert Bloomfield & Maureen O'Hara & Gideon Saar
- 2303-2330 The Effect of Introducing a Non-Redundant Derivative on the Volatility of Stock-Market Returns When Agents Differ in Risk Aversion
by Harjoat S. Bhamra & Raman Uppal
- 2331-2360 Do Politically Connected Boards Affect Firm Value?
by Eitan Goldman & Jörg Rocholl & Jongil So
- 2361-2392 Investment, Financing Constraints, and Internal Capital Markets: Evidence from the Advertising Expenditures of Multinational Firms
by C. Edward Fee & Charles J. Hadlock & Joshua R. Pierce
- 2393-2421 The Long-Term Effects of Cross-Listing, Investor Recognition, and Ownership Structure on Valuation
by Michael R. King & Dan Segal
- 2423-2455 Dividends and Corporate Shareholders
by Michael J. Barclay & Clifford G. Holderness & Dennis P. Sheehan
May 2009, Volume 22, Issue 5
- 1777-1815 Incentives and Mutual Fund Performance: Higher Performance or Just Higher Risk Taking?
by Massimo Massa
- 1817-1843 Ambiguity and Nonparticipation: The Role of Regulation
by David Easley & Maureen O'Hara
- 1845-1887 Insider Trading Laws and Stock Price Informativeness
by Nuno Fernandes & Miguel A. Ferreira
- 1889-1914 Distinguishing the Effect of Overconfidence from Rational Best-Response on Information Aggregation
by Shimon Kogan
- 1915-1953 Optimal Versus Naive Diversification: How Inefficient is the 1-N Portfolio Strategy?
by Victor DeMiguel & Lorenzo Garlappi & Raman Uppal
- 1955-1980 Failure Is an Option: Impediments to Short Selling and Options Prices
by Richard B. Evans & Christopher C. Geczy & Adam V. Reed
- 1981-2006 Systematic Risk and the Price Structure of Individual Equity Options
by Jin-Chuan Duan & Jason Wei
- 2007-2057 A General Stochastic Volatility Model for the Pricing of Interest Rate Derivatives
by Anders B. Trolle & Eduardo S. Schwartz
- 2059-2085 Margin Trading, Overpricing, and Synchronization Risk
by Sanjeev Bhojraj & Robert J. Bloomfield & William B. Tayler
- 2087-2131 Financial Analysts' Performance: Sector Versus Country Specialization
by Frédéric Sonney
April 2009, Volume 22, Issue 4
- 1377-1408 The Myth of Diffuse Ownership in the United States
by Clifford G. Holderness
- 1409-1445 Takeovers and the Cross-Section of Returns
by K. J. Martijn Cremers & Vinay B. Nair & Kose John
- 1447-1475 The Choice of Corporate Liquidity and Corporate Governance
by Hayong Yun
- 1477-1504 IPO Pricing and Allocation: A Survey of the Views of Institutional Investors
by Tim Jenkinson & Howard Jones
- 1505-1544 Do IPOs Affect the Prices of Other Stocks? Evidence from Emerging Markets
by Matías Braun & Borja Larrain
- 1545-1584 Asset Salability and Debt Maturity: Evidence from Nineteenth-Century American Railroads
by Efraim Benmelech
- 1585-1620 Strategic Disclosure and Stock Returns: Theory and Evidence from US Cross-Listing
by Shingo Goto & Masahiro Watanabe & Yan Xu
- 1621-1657 Leasing, Ability to Repossess, and Debt Capacity
by Andrea L. Eisfeldt & Adriano A. Rampini
- 1659-1691 The Real Effects of Debt Certification: Evidence from the Introduction of Bank Loan Ratings
by Amir Sufi
- 1693-1745 The Nature and Persistence of Buyback Anomalies
by Urs Peyer
- 1747-1776 The Performance of Private Equity Funds
by Ludovic Phalippou & Oliver Gottschalg
March 2009, Volume 22, Issue 3
- 925-957 Flight-to-Quality or Flight-to-Liquidity? Evidence from the Euro-Area Bond Market
by Alessandro Beber & Michael W. Brandt & Kenneth A. Kavajecz
- 959-993 Nondiversification Traps in Catastrophe Insurance Markets
by Rustam Ibragimov & Dwight Jaffee & Johan Walden
- 995-1020 Managing Bank Liquidity Risk: How Deposit-Loan Synergies Vary with Market Conditions
by Evan Gatev & Til Schuermann & Philip E. Strahan
- 1021-1056 Y2K Options and the Liquidity Premium in Treasury Markets
by Suresh Sundaresan & Zhenyu Wang
- 1057-1088 Bank Lines of Credit in Corporate Finance: An Empirical Analysis
by Amir Sufi
- 1089-1118 Motivating Entrepreneurial Activity in a Firm
by Antonio E. Bernardo & Hongbin Cai & Jiang Luo
- 1119-1148 Trade-offs in Staying Close: Corporate Decision Making and Geographic Dispersion
by Augustin Landier & Vinay B. Nair & Julie Wulf
- 1149-1177 Idiosyncratic Return Volatility, Cash Flows, and Product Market Competition
by Paul J. Irvine & Jeffrey Pontiff
- 1179-1211 How Do Mergers Create Value? A Comparison of Taxes, Market Power, and Efficiency Improvements as Explanations for Synergies
by Erik Devos & Palani-Rajan Kadapakkam & Srinivasan Krishnamurthy
- 1213-1245 Loyalty-Based Portfolio Choice
by Lauren Cohen
- 1247-1277 Mispricing of S&P 500 Index Options
by George M. Constantinides & Jens Carsten Jackwerth & Stylianos Perrakis
- 1279-1310 Mutual Fund Fees Around the World
by Ajay Khorana & Henri Servaes & Peter Tufano
- 1311-1341 Variance Risk Premiums
by Peter Carr & Liuren Wu
- 1343-1375 Cointegration and Consumption Risks in Asset Returns
by Ravi Bansal & Robert Dittmar & Dana Kiku
February 2009, Volume 22, Issue 2
- 481-507 Controlling for Fixed-Income Exposure in Portfolio Evaluation: Evidence from Hybrid Mutual Funds
by George Comer & Norris Larrymore & Javier Rodriguez
- 509-539 Trading Restrictions and Stock Prices
by Robin Greenwood
- 541-574 Hedge Funds as Investors of Last Resort?
by David J. Brophy & Paige P. Ouimet & Clemens Sialm
- 575-607 Short-Sale Strategies and Return Predictability
by Karl B. Diether & Kuan-Hui Lee & Ingrid M. Werner
- 609-632 Just How Much Do Individual Investors Lose by Trading?
by Brad M. Barber & Yi-Tsung Lee & Yu-Jane Liu & Terrance Odean
- 633-679 Market Valuation and Acquisition Quality: Empirical Evidence
by Christa H. S. Bouwman & Kathleen Fuller & Amrita S. Nain
- 681-714 Equity and Cash in Intercorporate Asset Sales: Theory and Evidence
by Ulrich Hege & Stefano Lovo & Myron B. Slovin & Marie E. Sushka
- 715-747 Consensus in Diverse Corporate Boards
by Nina Baranchuk & Philip H. Dybvig
- 749-781 Design and Renegotiation of Debt Covenants
by Nicolae Garleanu & Jeffrey Zwiebel
- 783-827 What Matters in Corporate Governance?
by Lucian Bebchuk & Alma Cohen & Allen Ferrell
- 829-858 Corporate Governance Transfer and Synergistic Gains from Mergers and Acquisitions
by Cong Wang & Fei Xie
- 859-892 Optimal Executive Compensation when Firm Size Follows Geometric Brownian Motion
by Zhiguo He
- 893-924 Institutional Investors and Equity Returns: Are Short-term Institutions Better Informed?
by Xuemin (Sterling) Yan & Zhe Zhang
January 2009, Volume 22, Issue 1
- 1-40 Harming Depositors and Helping Borrowers: The Disparate Impact of Bank Consolidation
by Kwangwoo Park & George Pennacchi
- 41-77 Bank Debt and Corporate Governance
by Victoria Ivashina & Vinay B. Nair & Anthony Saunders & Nadia Massoud & Roger Stover
- 79-116 Disappearing Dividends, Catering, and Risk
by Gerard Hoberg & Nagpurnanand R. Prabhala
- 117-150 Financial Contracting with Optimistic Entrepreneurs
by Augustin Landier & David Thesmar
- 151-186 Do Retail Trades Move Markets?
by Brad M. Barber & Terrance Odean & Ning Zhu
- 187-217 The Stock Market and Corporate Investment: A Test of Catering Theory
by Christopher Polk & Paola Sapienza
- 219-255 Promotion Tournaments and Capital Rationing
by Bing Han & David Hirshleifer & John C. Persons
- 257-297 A Liquidity-Based Theory of Closed-End Funds
by Martin Cherkes & Jacob Sagi & Richard Stanton
- 299-335 Differences of Opinion of Public Information and Speculative Trading in Stocks and Options
by H. Henry Cao & Hui Ou-Yang
- 337-369 Multinationals as Arbitrageurs: The Effect of Stock Market Valuations on Foreign Direct Investment
by Malcolm Baker & C. Fritz Foley & Jeffrey Wurgler
- 371-412 Are there permanent valuation gains to overseas listing?
by Sergei Sarkissian & Michael J. Schill
- 413-434 Multiple-Predictor Regressions: Hypothesis Testing
by Yakov Amihud & Clifford M. Hurvich & Yi Wang
- 435-480 Estimating Standard Errors in Finance Panel Data Sets: Comparing Approaches
by Mitchell A. Petersen
November 2008, Volume 21, Issue 6
- 2379-2416 Unobserved Actions of Mutual Funds
by Marcin Kacperczyk & Clemens Sialm & Lu Zheng
- 2417-2448 Momentum Profits, Factor Pricing, and Macroeconomic Risk
by Laura Xiaolei Liu & Lu Zhang
- 2449-2486 Time-Varying Liquidity Risk and the Cross Section of Stock Returns
by Akiko Watanabe & Masahiro Watanabe


text:
Found Map
Fion was disliking this place more and more. The whole place reeked of fumes, so much that she had a hard time breathing. While there weren't too many people walking around, the few that she did she had on some pretty obscure clothes. And she really disliked it.
As she looked around, she spied a familiar scrap of paper, blown across the beach.
"Hey! The map!" She ran over and snatched the sandy paper off the ground. It was still slightly damp and Fion took care not to rip it as she wiped off the last bits of sand. But when she looked at it a again, it no longer was a map of the ocean. The illegible inky scrawlings began growing throughout the paper, revealing another map, with hasty notes written all over it. Fion's eyes were opened wide. Was this map charmed? This treasure had to be big.
"I suppose we follow this map?" She suggested, immediately digging into those messily written notes.
One said something of a... statue?
Statue... That sounded familiar... Was that green thing what it was talking about? She squinted at it thoughtfully.
"Ruben? Do you think that looks like a statue?"
There was a pause as Ruben stared at the green thing.
"It looks like a really big statue."
Fion nodded.
"Well let's go then."
She set forward walking towards the statue, trying to ignore the terrible smelling air. More and more people began crowding the road. And they smelled.


text: An Australian TV reporter has been suspended for stunting a report by chaining an 84-year-old woman to a cupboard in her nursing home room. Nicholas Boot, a journalist with Channel Seven's Today Tonight show, claimed that the woman had chained herself up in order to avoid being ejected from the home. The authorities later discovered Boot had provided the chain and taken it away after filming. He was said by his bosses to have made "a bad call", and the following night the programme's host apologised to viewers for misleading them. (Via Herald Sun)


text:
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text:
Status: Open
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Hello, I am Ronnie Andress, the owner and founder of Andress Jewelry. I am striving to offer high quality jewelry and uniqu...e treasures at exceptional prices, including loose diamonds and colored gemstones. For those times when the ideal piece of jewelry is only a vision, I offer in-store custom work both creating new treasures and re-styling old ones. There are no tricks or over-pricing,...
We have Bridal, Engagement, Fashion, Gemstone jewelry made from fine gold, diamonds and platinum. We buy gold and do Custom Design Jewelry work.
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Locally owned and operated jewelry store specializing in creating new treasures and re-styling old ones.
Payment Options: Visa, Master Card, American Express, Discover, Personal Checks


text: If you are a homeowner trying to short sale your home, do not pay a negotiator upfront to negotiate for you. There are many scams where the homeowner does not get any results and have already paid with money that is hard to come by. The FTC has a new ruling to protect you from these scams. Please go to this website to read the latest ruling.


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COMMODITY AVERAGE A FRACTION LOWER; At 83.1, Against 83.2, 'Fisher Index' Ends the Year at 1937 Lowest
Special to THE NEW YORK TIMES. ();
January 03, 1938,
, Section , Page 59, Column , words
Professor Irving Fisher's index number of average commodity prices last week, based on 100 as the average for 1926, was 83.1, which compares with 83.2 a week ago, 83.9 two weeks ago, 84.3 three weeks ago and 84.6 four weeks ago.
January 03, 1938
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text:
Popular property highlights
Leonardo Royal Hotel Baden-Baden places you next to Lichtentaler Allee Park and within a 15-minute walk of Museum Frieder Burda. This 121-room, 4.5-star hotel has conveniences like a full-service spa, an indoor pool, and free in-room WiFi. Staatliche Kunsthalle Baden-Baden and Theater Baden-Baden are a short walk away.
This hotel is home to a restaurant and a bar/lounge. Satisfy your hunger from the comfort of your room with room service. For your convenience, a buffet breakfast is served for a fee each morning from 6:30 AM to 10:30 AM.
All 121 recently renovated accommodations feature sitting areas. 40-inch flat-screen TVs are available for entertainment, and guests can stay connected with free WiFi. Bathrooms offer hair dryers, free toiletries, bathrobes, and slippers. Other standard amenities include coffee makers, laptop-compatible safes, and desks.
At Leonardo Royal Hotel Baden-Baden, guests enjoy a full-service spa, an indoor pool, and a fitness center. If you plan to drive, free parking is available. Multilingual staff at the 24-hour front desk can assist with dry cleaning/laundry, tours or tickets, and luggage storage. Other amenities at this luxury hotel include a sauna, free WiFi in public areas, and 6 meeting rooms.
Property features
- Free WiFi in rooms and public areas
- Free parking
- Onsite dining
- Spa
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Leonardo Royal Hotel Baden-Baden
Hotel Amenities
Hotel Amenities
In addition to a full-service spa, Leonardo Royal Hotel Baden-Baden features an indoor pool and a sauna. Dining options at the hotel include a restaurant and a snack bar/deli. A bar/lounge is on site where guests can unwind with a drink. A computer station is located on site and wireless Internet access is complimentary.
Business-related amenities at this 4.5-star property consist of a 24-hour business center and meeting rooms. Event facilities measuring 3163 square feet (294 square meters) include conference space. This luxury hotel also offers a fitness center, spa services, and tour/ticket assistance. Limited complimentary onsite parking is available on a first-come, first-served basis.
- Full-service spa
- Sauna
- Free newspapers in lobby
- Fitness facilities
- Bar/lounge
- Conference space
- Total number of rooms - 121
- Safe-deposit box at front desk
- 24-hour front desk
- Number of floors - 5
- Hair salon
- Dry cleaning/laundry service
- Elevator/lift
- Breakfast available (surcharge)
- Tours/ticket assistance
- Computer station
- Free WiFi
- Meeting rooms 6
- Multilingual staff
- Parking (limited spaces)
- Garden
- Luggage storage
- Restaurant
- Free self parking
- Snack bar/deli
- Year Built 1980
- 24-hour business center
- Conference space size (feet) - 3163
- Conference space size (meters) - 294
- Number of meeting rooms - 6
- Number of buildings/towers - 1
- Spa services on site
- Steam room
- Indoor pool
- Wedding services
Family Friendly Amenities
- Family Hotel
- Indoor pool
- Free Wi-Fi
- Snack bar/deli
- Playground on site
- Cribs/infant beds (complimentary)
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Free self parking, Parking (limited spaces)
Room Amenities
Leonardo Royal Hotel Baden-Baden offers 121 air-conditioned accommodations with laptop-compatible safes and coffee/tea makers. Accommodations offer separate sitting areas and include desks. Flat-screen televisions are featured in guestrooms.
Bathrooms include bathtubs, bathrobes, slippers, and complimentary toiletries. This Baden-Baden hotel provides complimentary wireless Internet access. Housekeeping is offered daily and irons/ironing boards can be requested. Renovation of all guestrooms was completed in September 2013.
- Separate sitting area
- In-room climate control (air conditioning)
- Air conditioning
- Coffee/tea maker
- Daily housekeeping
- Private bathroom
- Bathrobes
- Free toiletries
- Hair dryer
- Bathtub only
- Slippers
- Desk
- Iron/ironing board (on request)
- Flat-panel TV
- Free WiFi
- In-room safe (laptop compatible)
- Room service (limited hours)
- Free cribs/infant beds
- Connecting/adjoining rooms available
Where to Eat
Room service (during limited hours) is available.
Onsite venue - This restaurant serves breakfast only.
Buffet breakfasts are available for a surcharge and are served each morning between 6:30 AM and 10:30 AM.
Nearby Things to Do
Recreational amenities at the hotel include an indoor pool, a sauna, and a fitness center.
The recreational activities listed below are available either on site or nearby; fees may apply.
- Golfing nearby
- Downhill skiing nearby
- Cross-country skiing nearby
- Snowboarding nearby
- Bicycle rentals nearby
- Mountain biking nearby
- Hiking/biking trails nearby
- Parasailing nearby
- Playground on site
- Segway rental/tour nearby
Spa Services
Guests can indulge in a pampering treatment at the hotel's full-service spa, Beauty Tempel Eberle. Services include massages, facials, body scrubs, and body treatments. The spa is equipped with a sauna and a steam room.
The spa is open select days.
- Steam room in spa
- Manicures and pedicures
- Body scrubs
- Sauna in spa
- Massages
- Body treatments
- Facial treatments
If you have requests for specific accessibility needs, please note them at check-out when you book your room.
Hotel Policies
Check-in time starts at 3 PM
Check-out time is 11 AM
Payment types
Children and extra beds
- Children are welcome.
- Free cribs (infant beds)!
- Pets allowed for an extra charge of EUR 15 per pet, per day
You need to know
Extra-person charges may apply and vary depending on property policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
No rollaway/extra beds available
- A tax is imposed by the city: EUR 3.80 per person, per night. This tax does not apply to children under 18 years of age.
Optional extras
Hotel Name
- Baden-Baden Leonardo Royal
- Baden-Baden Leonardo Royal Hotel
- Hotel Baden-Baden Leonardo
- Hotel Leonardo Baden-Baden
- Hotel Leonardo Royal Baden-Baden
- Leonardo Baden-Baden
- Leonardo Hotel Baden-Baden
- Leonardo Royal Baden-Baden
- Leonardo Royal Baden-Baden Hotel
- Leonardo Royal Hotel Baden-Baden
- Baden-Baden Best Western
- Best Western Baden-Baden
We should mention
Reservations are required for massage services and spa treatments. Reservations can be made by contacting the hotel prior to arrival, using the contact information on the booking confirmation. The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.
National Rating
Hotelstars Union assigns an official star rating for properties in Germany. This property is rated 4 star Superior and is displayed on this page as 4.5 stars.


text:
Chapter 23: CalumMature
"Elodie, calm down," I sighed. Elodie ran up to her room and I followed her. I knew automatically that this was going to be one of her bad days. "Elodie, you have to understand that-
She shut the door in my face. Hard.
"We are only trying to help you."
Stone jumped up the stairs two at a time.
"Is she alright now?" He asked. He knew that she wasn't, but he had to ask, just in case she was miraculously not in need of anger management classes. I shook my head, my ridiculously cut hair whipping me in the face as I did.
Damn I needed to do something about that.
"You know what to do, right?" I asked. Stone nodded reluctantly. He hated doing this one thing. But it helped Elodie, and seeing as though we all loved Elodie in our own little way, we were all going to do whatever we could to help her. Stone looked at the closed door resentfully. Then he left. I leant against Elodie's door.
I could hear her smashing things with her bare hands and I heard the sounds of her throwing things against the walls. Sooner or later, Stone would appear with the only person that would be able to calm Elodie down.
"Elly, you only bring this on yourself. You know that right?" I said quietly. I heard silence on the other side and then she was throwing things again.
"I hate you all." She screamed. I nodded, knowing that she couldn't see me.
"I know that you do right now, but you need to understand-
"There is no use, Calum. Wait until Stone comes back." Caspar said calmly, his hand on my shoulder. I nodded, knowing that he was right; something that Elodie could never admit. I closed my eyes and then opened them again. "Go, I'll wait for Stone here."
I nodded and went to my own room.
Our house was set out with only two rooms on the second floor, a bathroom and bedroom, both for Elodie since she was the only girl in the house and then six bedrooms on the ground floor, all the extras in case an ally passed through and needed a place to stay. We had one bathroom on the ground floor for all of us guys to share. Then we had a living room, a kitchen, a laundry and a small library with an invisible hidden room with all our weapons in it. It also had the little trapdoor to go down into the basement which was where we let Elodie torture Enders to get all of her pent up anger and frustration out.
Caspar said that half the time it's because she's a girl and they have a lot of stuff going on but I know that a lot of it is because she had to leave the only home she had ever known, lost all her friends and family and just can't come to terms with the fact that her life will never go back to the way it was.
I had a hard time with it to begin with and after watching my grandpa; the only family I had left, die- I wasn't about to just go back to my old life.
I heard Caspar talking. I knew that he wasn't going to be talking to Elodie because they barely ever spoke, and when they did it was mostly just yelling. Stone must have been back.
"Thank you for coming." He said formally. I came to stand with them. I nodded at our guest to say hello. Our guest stood outside Elodie's door.
"It's not a problem, really. I'm always happy to come and see Elodie even if it is to calm her down from a fit. And I promise to abide by your rules. No one followed me here, no one will know your whereabouts and I would never tell anyone that you are here."
"Yeah, for some reason, I find it hard to trust you." I said. Caspar flashed me a warning look much like the one he always gave Elodie or Elodie gave him.
"I assure you, I am only here for Elodie's wellbeing."
And then our guest opened the door to Elodie's room, winked at both Caspar and I and shut the door.
I wasn't sure whether or not to be happy at the excitement that I could hear in Elodie's voice.
"C'mon, Calum, leave them alone." Caspar stated. I followed him down the stairs I had just come up. I strained to hear Elodie's voice one more time before I left her in the very capable hands of a Time Ender.
"Sam," I heard her say, "I've missed you so, so, so much."


text:
Daidoji Taenaru
28,778pages onAdd New Page
this wiki
this wiki
Daidoji Taenaru was a bushi of the Crane Clan.
External Links Edit
- Daidoji Taenaru (Twenty Festivals)
|This Crane Clan related article is a stub. That means that it has been started, but is incomplete. You can help by adding to the information here.


text:
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Nicolas-1223's Page
Achievements 19 of 17 complete
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fuzz_head: "About time! It's been 5 weeks since I've played too."
fuzz_head: "You're gonna have more 3k skill ratings than me in a few months at this rate!"
fuzz_head: "Yup, haha, these are from their new album. Really upset, though. Surfing really well today, but can't get clean finish. Btw, I like the songs you are doing today."
fuzz_head: "Damn, you didn't have to do that! Yeah, just added it today after you mentioned it. Thanks much! :)"
cs188: "Congrats on surpassing XenoRizos for the most counts of Brutus! I guess that makes you the most competitive friend in all of AS. :)"
fuzz_head: "Hey, good job on finishing the folder. I'll get to that this weekend, I think."
fuzz_head: "Just keeping you on your toes. :) I don't know if I'll have the energy to try to take those back when you reclaim them (which I know you will)."
fuzz_head: "Thanks, glad to be back. I did just today notice that the album had the song w/o Hayley Williams and I used the wrong one. Score has been removed."
Audio Balboa: "well, I'll stop disturbing you with Disco Inferno - i treid to make a video, but its damn hard to hold the concentration for over 10 minutes"
fuzz_head: "That was my 5th highest PE score that you dethroned. 'grats!"
cs188: "Just wanted to say I'm not dead and will return to Steam someday. :) But life took an unfortunate turn, and I won't be back until I'm out of this current rut."
Tibbze: "Nice run on scarlet dawn, but I try to get it back ;)"
Audio Balboa: "nice score on flat beat ! - unfortunately my mouse is broken atm - so I can't play pointman efficiently for the next few weeks"
Audio Balboa: "But I'm always happy to see ambitious surfers ;)"
Audio Balboa: "well thanks man ;) I started back in 2013 as a big noob^^ Sadly many of the old pro's are inactive now, so I'm just trying to keep the game alive."
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8202 plays
Eraser Elite
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Double Vision
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Ninja Mono
30 plays
Pointman Pro
19 plays
Pointman Elite
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|9.6 oz (272.15 g)
|4.5" (11.5 cm) closed
|Blade Length
|3.0" (7.62 cm)
Images below are of the stainless steel version of the Super Tool 300 which features are identical to the Black Oxide version.
|Close-up view of the Super Tool 300 in its closed position.
|Super Tool 300 in hand using the wire stripper.
|Close-up view of the 420HC Clip Point Knife with Straight Edge. All tools on the Super Tool 300 are lockable.
|View of the large Wood/Metal File.
|Close-up view of the pliers of the Super Tool 300. Pliers feature 154CM Removable and replaceable wire cutters.
|Photo above shows the replaceable wire cutters better removed for replacment.
|Close-up view of the saw of the Super Tool 300.
|Close-up view of phillips head screwdriver and locking mechanism. The top red arrow points to the notch on the screwdriver that locks in place into top of thumb button (lower red arrow). Blue arrow points to the large thumb button that releases the tools from their locked position. All tools lock in this same fashion.
|View of the Molle sheath included with the black version Super Tool 300.


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When does a baby first develop a heartbeat?
In the womb, a baby is referred to as a fetus. In the fifth week of pregnancy, around day 22 of life, a fetus begins to have a heartbeat, one of the first official signs of life in a human being.So...
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When does a baby develop a heartbeat?
A baby develops a heartbeat 22 days after conception. According to Dr. Marjorie Greenfield, the heartbeat is so small at this time that it is almost impossible to hear, but can occasionally be seen...
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If you are three weeks pregnant with twins but the doctor saw only one heartbeat on the ultrasound and your hcg was 3045 will the other baby develop a heartbeat eventually?
Answer Three weeks pregnant is a week before you miss a period so it is impossible to know it is twins. If you are three weeks after conception, (5 weeks pregnant)it is still early to see a heart...
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When does a fetus develop a heartbeat?
The fetus is often considered an embryo until week 9 of pregnancy. The embryo develops a heartbeat around week 6 or week 7 of pregnancy. Around this time, the embryo also has visible arm and leg bu...
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When does a baby develop gender?
The sex of the baby is determined at conception, as this is when the genetic makeup of the child is created. A baby will begin to develop gender-specific sex organs at about week 12 of fetal develo...
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Can i use a regular clip to sharpen my nose? For example a clip for hanging clothes? (photos)
I'm not happy with my nose. How can i sharpen my nose without undergoing surgery.
Doctor Answers 2
No, nose clips wpn't work.
Unfortunately, there are no external devices or clips that will actually reshape your nose in the way you desire. Injectable fillers *may* be able to add a little bit of definition to the tip, but generally sharpening the tip will require surgery.
All the best,
Pearson Facial Plastic Surgery®
All the best,
Pearson Facial Plastic Surgery®
Nonsurgical Rhinoplasty
Using clips will not reduce the size of your nose, and may in fact cause harm if the clips exert too much pressure. Nonsurgical rhinoplasty with fillers can create a temporary refinement of the tip, and surgical rhinoplasty will provide a permanent result safely.
Web reference: http://www.donyoomd.com/services-nonsurgical-rhinoplasty.php
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.