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Spirit of Christmas Hamper
A lavish Christmas hamper which is packed full of festive fresh food. This handy insulated woven basket contains a bottle of Prosecco along with a fantastic Merlot to get things off to a great start.
Delivery Options & Surcharges
|Delivery Type
|Order and Delivery
|Delivery Surcharges
|Cost and Terms
|Standard Delivery
|3-5 working days
|No Surcharge Applied
|Standard delivery price
See individual product listing
|Saturday Delivery
|Order in advance for a Saturday delivery or by 13.00 (GMT) on a Friday
|Standard delivery price + £3.95 surcharge
Deliveries will made between 9am and 5pm
Not available for Highlands, Islands or Overseas
|Sunday Delivery
|Order in advance for a Sunday delivery or by 13.00 (GMT) on a Friday
|Standard delivery price + £15 surcharge
Deliveries will made between 9am and 5pm
Not available for Highlands, Islands or Overseas
|Next Day or Named Day Delivery
|Orders for Next Day Delivery will need to be placed by 13:00 (GMT) or order in advance for a specific date (excl. Saturday & Sunday)
|Standard delivery price + £1 surcharge
Gifts ordered on a Friday will be delivered on a Monday
Not available for Highlands, Islands or Overseas
In Time For Christmas
(when applicable)
|Order in advance for Christmas gifts
|Standard delivery price - see individual product listing
Typically, we will deliver between the 7th and 23rd December
Gifts ordered on a Friday will be delivered on a Monday.
Deliveries will made between 9am and 5pm.
Delivery Discounts
For larger orders we can offer discounts, please contact us directly to discuss your requirements.
We offer tiered delivery discounts for 2 or more hampers being delivered to the same UK address, on the same day. The discounts are calculated as follows:
|Amount of items
|2 - 3 items
|25% delivery discount
|4 - 6 items
|30% delivery discount
|7 - 9 items
|35% delivery discount
|10 - 14 items
|40% delivery discount
|15+ items
|50% delivery discount
If you purchase via our website your discount will be automatically calculated at the checkout.
If you place your order over the phone or via email, our friendly team will calculate the discount for you.
Unfortunately we cannot offer delivery discounts on hampers being delivered outside mainland UK.
A lavish Christmas hamper which is packed full of festive fresh food. This handy insulated woven basket contains a bottle of Prosecco along with a fantastic Merlot to get things off to a great start. We've included a host of luxurious fresh food including fine smoked salmon, sliced ham and a clutch of cheeses. Alongside these are all those Christmas treats such as handmade chocolates, luxury Christmas pudding, buttery cheese palmiers and one of our favourites, herby thyme and bay olives from Silver & Green.
Altogether this hamper offers the very best of both modern and traditional Christmas fayre. A lovely choice for families, clients and staff this Christmas.
- Barfield Bakery Handmade Mince Pies x 4 Coln Valley Smokery Sliced Smoked Salmon 200g eCorkers Pork Sausage & English Mustard Crisps 150gCropwell Bishop Creamery Blue Stilton Cheese 200g eFord Farm West Country Farmhouse Cheddar Truckle 200g eHandmade by Van Strien Butter Cheese Palmiers 80gLinden Lady Handmade 16 Luxury Chocolate Selection 250gMaclean's Cheddar Scottish Oatcakes 150gMatthew Walker Luxury Christmas Pudding 454gPeter's Yard Original Artisan Crispbread 105gPont Gar Welsh Soft Cheese with Black Pepper 125g eQuicke's Double Devonshire Cheese 150g eScarlett & Mustard Ploughman's Pickle 200gSilver & Green Thyme Bay Olives 220gWessex Country Gammon Dorset Cured Sliced Ham 200g eProsecco Brut Spumante 1821 Italy 75cl 11% volMerlot Hacienda de Lluna Spain 2014 75cl 14% volFonseca Bin No. 27 Finest Reserve Port 37.5cl 20% volInsulated Willow Basket
Delivery Information
Use our calendar function at the checkout to select a delivery date that's convenient to you. If you're purchasing multiple hampers then you'll have the option of selecting a different date and address for each one.
United Kingdom Delivery Options
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Please note: order by 13:00 for next day delivery (if available based on your address).Delivery Options & Surcharges
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In Almanac Benjamin Webb and ege focus on the duality between nature and civilization. What connects the two things, and how modern man struggles to understand Mother Nature and the modern world. With two unique designs, the collection sets out to express, inspire and push the boundaries between on-grid and off-grid through a range of multilayered designs and colourways. It is about a duality of modern life and finding the balance. Almanac celebrates the relationship between the two realities of the pulsating capital city and the tranquility of the deep forests. Climb above treetops and leafy terrain, wander through electric avenues and explore a birds-eye-view of ever changing environments.
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text: Focal adhesion kinase protein regulates Wnt3a gene expression to control cell fate specification in the developing neural plateYuri Fonar, Yoni E. Gutkovich, +6 authors Dale FrankMolecular biology of the cell2011Focal adhesion kinase (FAK) is a cytoplasmic tyrosine kinase protein localized to regions called focal adhesions, which are contact points between cells and the extracellular matrix. FAK protein acts as a scaffold to transfer adhesion-dependent and growth factor signals into the cell. Increased FAK expression is linked to aggressive metastatic and invasive… (More)


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Bookkeeping: Some Sales
I said I'd be looking to add some long exposure but that does not mean I am not going to sell some as well; what I want to do is sell some of the overextended names and buy some things that are not so overbought. This way I can keep a decent long bias, but just change the mix of names & exposures.
Here are some sales (I've included Relative Strength index in the chart to show one signal of 'overbought')
I'm selling half of remaining Acme Packet (APKT) near $36 and will look to buy back on a pullback.
I'm selling half of Netflix (NFLX) in the mid $140s and will look to buy back on a pullback
I'm selling 40% of BorgWarner (BWA) [current largest position] over $48, ditto on buying on pullbacks.
I'm selling half of Tibco Software (TIBX) in the $15.20s area, ditto on buying on pullbacks.
Long all names mentioned in fund; no personal position


text: DALLAS, Nov. 19, 2012 /PRNewswire/ -- MetroPCS Communications, Inc. (NYSE: PCS; "MetroPCS") today announced that, on November 19, 2012, MetroPCS received a request for additional information (the "Second Request") from the U.S. Department of Justice (the "DOJ") in connection with MetroPCS' proposed transaction with T-Mobile USA, Inc. ("T-Mobile") pursuant to the business combination agreement, dated October 3, 2012, by and among Deutsche Telekom AG, an Aktiengesellschaft organized in Germany ("Deutsche Telekom"), T-Mobile Global Zwischenholding GmbH, a Gesellschaft mit beschrankter Haftung organized in Germany and a direct wholly-owned subsidiary of Deutsche Telekom ("Global"), T-Mobile Global Holding GmbH, a Gesellschaft mit beschrankter Haftung organized in Germany and a direct wholly-owned subsidiary of Global ("Holding"), T-Mobile, a Delaware corporation and direct wholly-owned subsidiary of Holding, and MetroPCS. The Second Request was issued pursuant to the Hart-Scott-Rodino Antitrust Improvements Act of 1976, as amended ("HSR Act"). (Logo: http://photos.prnewswire.com/prnh/20121029/MM02011LOGO) The effect of the Second Request is to extend the waiting period imposed by the HSR Act until 30 days after MetroPCS and T-Mobile have substantially complied with the Second Request, unless that period is extended voluntarily by the parties or terminated sooner by the DOJ. MetroPCS intends to cooperate fully with the DOJ to obtain approval of the transaction as soon as possible and remains confident that the DOJ will find that the transaction is both pro-competitive and pro-consumer. Completion of the transaction is subject to MetroPCS shareholder approval, regulatory approvals and other customary closing conditions. MetroPCS continues to expect the transaction will close in the first half of 2013. About MetroPCS Communications, Inc. Dallas-based MetroPCS Communications, Inc. (NYSE: PCS) is a provider of no annual contract, unlimited wireless communications service for a flat rate. MetroPCS is the fifth largest facilities-based wireless carrier in the United States based on number of subscribers served. With Metro USA(SM), MetroPCS customers can use their service in areas throughout the United States covering a population of over 280 million people. As of September 30, 2012, MetroPCS had approximately 9.0 million subscribers. For more information please visit www.MetroPCS.com . Additional Information and Where to Find It This document relates to a proposed transaction between MetroPCS and Deutsche Telekom. In connection with the proposed transaction, MetroPCS filed with the Securities and Exchange Commission (the "SEC") a preliminary proxy statement on November 16, 2012. The preliminary proxy statement is not final and will be superseded by a definitive proxy statement to be filed by MetroPCS with the SEC. Investors and security holders are urged to read carefully the preliminary proxy statement and the definitive proxy statement and all other relevant documents filed with the SEC or sent to stockholders as they become available because they will contain important information about the proposed transaction. All documents, when filed, will be available free of charge at the SEC's website ( www.sec.gov). You may also obtain these documents by contacting MetroPCS' Investor Relations department at 214-570-4641, or via e-mail at email@example.com. The definitive proxy statement will be mailed to MetroPCS' stockholders. This communication does not constitute a solicitation of any vote or approval. Participants in the Solicitation MetroPCS and its directors and executive officers will be deemed to be participants in any solicitation of proxies in connection with the proposed transaction. Information about MetroPCS' directors and executive officers is available in MetroPCS' proxy statement, dated April 16, 2012, for its 2012 Annual Meeting of Stockholders. Other information regarding the participants in the proxy solicitation and a description of their direct and indirect interests, by security holdings or otherwise, is contained in the preliminary proxy statement and will be contained in the definitive proxy statement and other relevant materials to be filed with the SEC regarding the proposed transaction when they become available. Investors should read the definitive proxy statement carefully when it becomes available before making any voting or investment decisions. Cautionary Statement Regarding Forward-Looking Statements This document includes "forward-looking statements" for the purpose of the "safe harbor" provisions within the meaning of the Private Securities Litigation Reform Act of 1995, as amended. Any statements made in this document that are not statements of historical fact, including statements about when the parties expect that the proposed transaction will close, whether the DOJ will approve the transaction, MetroPCS' timeframe for compliance the Second Request, and statements about our beliefs, opinions, projections, and expectations, are forward-looking statements and should be evaluated as such. These forward-looking statements often include words such as "anticipate," "expect," "suggests," "plan," "believe," "intend," "estimates," "targets," "views," "projects," "should," "would," "could," "may," "become," "forecast," and other similar expressions.


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Healthy Carolinians of Orange County
Partnering for a Healthy Community
Committees | Projects | Accomplishments | Publications | Rx Drop Boxes | Join
About Healthy Carolinians of Orange County
Healthy Carolinians of Orange County (HCOC) is a network of agencies and citizens partnering to promote health and wellness in Orange County. Members of HCOC are representatives from schools, human service agencies, churches, civic groups, businesses, local government, UNC Chapel Hill, health care organizations including UNC Healthcare, and concerned citizens.
Our mission is to advocate, guide and assist Orange County in planning and implementing health care strategies to promote healthy lifestyles, improve health status and prevent premature death and injury for all residents in the county regardless of age, race, income or educational level. The overall goal of the program is to reduce health disparities.
What We Do
- Build and promote collaborative partnerships
- Identify critical health needs in the community
- Guide local planning efforts to improve health
- Support innovative health programs
- Advocate for health-promoting policies
Priority Health Issues
- Access to Health Care, Insurance, and Information
- Chronic Disease/Health Promotion, Exercise and Nutrition
- Mental Health
- Substance Abuse
- Injury
Click to download our Program Brochure
Data Reflections from the 2015 Community Health Assessment
The following slides were shared at the listening sessions held in October 2015 to assist in the community discussions to prioritize health issues for the next four years.
Click to download the Data Reflection Slides
Ashley Mercer, Healthy Carolinians Coordinator


text:
Five things to know this Monday morning:
1.) This cool photo comes courtesy of the Downey Fire Department's Facebook page, and shows Engine 61 crossing the Golden Gate Bridge on its way home from the Humboldt County fire.
"After a week of wildland firefighting in Northern California's Humbolt County, Downey Engine 61 and Strike Team XLG-1261-A have been demobilized today and are returning home," the department posted yesterday. "Check out this photo of Engine 61 crossing the Golden Gate bridge this afternoon! Great work by our firefighters!"
2.) Speaking of the fire department, firefighter/engineer Renick Sampson hand-built a dinner table for Fire Station No. 1. It's impressive.
"The fire station dinner table is a place where family comes together everyday and builds comradery. This table incorporates respect for tradition and also shows the sense of pride in unit and department Downey's firefighters have."
3.) It's that time of year again: time to contact Trader Joe's and show them some Downey love.
4.) Indio, a 1-year-old male Shih Tzu mix, is SEAACA's Pet of the Week.
Indio (ID No. 16-03353) can be visited during regular animal viewing hours, Tuesday - Friday 11:00 am – 6:00 pm Saturdays, 10 a.m. – 5 p.m.
5.) A Go Fund Me page has been set up to help cover funeral expenses of Mitchell Duran, the 20-year-old Downey resident who was struck and killed early Friday morning while riding his skateboard on Firestone Boulevard.
Nearly $1,700 has been raised as of this morning.


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US Navy SEALs Store was founded in 2002 to offer its customers a wide variety of NavySEAL merchandise. Whether you are a Navy SEAL fan or if you plan to become a Navy SEAL someday, whether you look for a gift for your friend, relative or a loved one, US Navy SEALs Store is the best place to shop!
Our selection of products includes T-shirts, sweatshirts, gear, workout, fitness and training books and DVDs, Navy SEALs Luminox dive watches, patches, pins and much more.
If you have any questions, please feel free to contact us.


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Burton Lightweight Boxer
Part Number: 13207102
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Reviewed By Thomas M (ABILENE, TX) Reviewed for a 2016 Nissan Titan XD —5/18/2017 6:08 PM
West Texas has many deer-vehicle collisions. Bull bars are a good means of protecting the radiator and preventing a deer from deflecting up and through the windshield. The bars are easy to install and sturdy. They do not cover the full front which may permit airbag inflation on serious impact. I had to relocate the parking proximity sensors so the bars did not block their use. They significantly add to the good looks of my Titan XD.


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|Message view
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|Paul Libbrecht <p...@activemath.org>
|About the field of PhraseQuery
|Fri, 17 Jun 2005 20:27:31 GMT
hi, I spent an hour today to make my field-name feed correctly into my phrase-query. A ridiculous bug of mine. Debugging experience seemed to indicate that the field was the field of the first term sent. But it struck me that the word field simply does not appear in the javadoc of PhraseQuery (only as javadoc field!) whereas I would feel it much more natural than a PhraseQuery be constructed or set to a field-name than that it would take Terms instead of tokens... Or is there something I did not understand ? PhraseQuery certainly does not match several fields simultaneously, or ? paul --------------------------------------------------------------------- To unsubscribe, e-mail: email@example.com For additional commands, e-mail: firstname.lastname@example.com
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Little Pim
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text:
TOKYO (AP) A powerful earthquake with a preliminary 7.5 magnitude struck near the Marianas Islands in the South Pacific, Japan's weather agency said Wednesday, adding that there was no threat of a tsunami.
The quake struck about half past noon at a depth of about 140 miles, the Meteorological Agency said.
The agency said the temblor's epicenter was in the northernmost reaches of the island chain.
The islands lie along the Pacific Basin's "Ring of Fire," an arc of volcanos and fault lines where quakes are frequent.
Copyright 2007 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
Conversation guidelines: USA TODAY welcomes your thoughts, stories and information related to this article. Please stay on topic and be respectful of others. Keep the conversation appropriate for interested readers across the map.


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Somali pirates have waylaid several ships in the past month, raising fears that piracy has regained a hold in the Indian Ocean
Somalia's new president visited victims wounded by the Mogadishu car bomb on Sunday and offered a $100,000 reward for information about the plot
The first suicide car bomber tried to speed through the barrier at the U.N. office but guards shot at the car
The attackers 'took positions behind blast walls and sandbags; fighting is still ongoing'
Gunmen from the Islamic extremist group forced their way into the hotel in the Somali capital after the suicide bomber rammed his car into the SYL hotel's entrance
'Smoke came into the cockpit, but it was mostly concentrated in the back of the aircraft. 'The stewardesses did a great job calming down the passengers'
Warning: Graphic images. Islamic extremist group al-Shabab claimed responsibility for the Mogadishu attack, in a broadcast on its online radio late Thursday.
A Somali police official says militants have stormed the presidential palace in the capital and heavy gunfire is heard inside as government troops try to repel them
Nothing is more tedious than listening to others describing their marvellous vacation or travels. But if something awful happened to them, then we pay attention
The RCMP said it was looking into whether a Canadian was involved in the deadly attack on the Mogadishu courts that killed at least 29 people and injured 58


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Matt Moss & Team Motul Suzuki -2014 Australian MX Nationals MX1 Champions
Countdown to On Any Sunday, The Next Chapter with Dana and Bruce Brown
Hello Vital MX Visitor,
We're conducting a survey and would appreciate your input. Your answers will help Vital and the MX industry better understand what consumers like you want. Survey results will be used to recognize top brands. Make your voice heard!
Five lucky people will be selected at random to win a Vital MX t-shirt.
Thanks in advance,
The Vital MX Crew


text:
Don't Know What To Do?
- Article Summary
- Alcohol
- Illicit Drugs
- Prescription Drugs
Drug Addiction Statistics
A number of information sources are used to compile America's drug addiction statistics. Foremost among these sources are the Monitoring the Future survey (MTF) and the National Survey on Drug Use and Health (NSDUH). For the 2007 survey, 48,025 students in 8th, 10th, and 12th grades from 403 public and private schools participated. A portion of the results from this survey are presented in the text below.
- Overall, the prevalence of underage (ages 12–20) past-month alcohol use and binge drinking has been unchanged since 2002. In 2006, about 10.8 million persons (28.3 percent) in this age group reported drinking in the past month. However, there has been a long-term decline in past-year alcohol use among 8th-graders (persons aged 12 to 13 years), from 46.8 percent in 1994 to 31.8 percent in 2007.
- In 2006, an estimated 30.5 million people (12.4 percent) aged 12 or older reported driving under the influence of alcohol at least once in the past year. Although this reflects a downward trend from 14.2 percent in 2002, it remains cause a for concern.
- Illicit drug use by the Nation's adolescents is declining for almost all specific types of drugs. When data for 8th-, 10th-, and 12th-graders are combined, they show that overall, past-month illicit drug use declined by 24 percent between 2001 and 2007, dropping from 19.4 percent to 14.8 percent. The downward trend in illicit drug use has been driven largely by declines in marijuana smoking.
- Past-year marijuana use among 10th-graders dropped from a peak of 34.8 percent in 1997 to 24.6 percent in 2007.
- Among 12th-graders, use of marijuana declined from a peak of 38.5 percent in 1997 to 31.7 percent in 2007.
- Annual prevalence of marijuana use by 8th-graders is down to 10.3 percent in 2007, from a 1996 peak of 18.3 percent.
- In the 5 years between 2002 and 2006, the level of current marijuana use among persons aged 12 to 17 years declined from 8.2 percent in 2002 to 6.7 percent in 2006.
- The trend was also seen among older groups. From 2002 to 2006, the rate of current use of marijuana among 18- to 25-year olds dropped from 17.3 to 16.3 percent.
- Current cocaine use has remained stable between 2002 and 2006 (there were 2.4 million users in 2006 aged 12 or older); however, a positive trend is the decline in use of crack cocaine, particularly among younger age groups. From 2001 to 2007, the percentage of 10th-graders reporting past-month use of crack declined from 0.7 percent to 0.5 percent.
- Despite these downward trends, the MTF survey data highlight some problem areas. For example, there has been a drop in perceived harmfulness of hallucinogens. For the third year in a row, there was a drop in perceived harmfulness of MDMA (ecstasy) among 8th-graders. Tenth-graders reported a decrease in perceived harmfulness of LSD and MDMA, and a decrease in disapproval of LSD. This change in attitude is reflected in an increase in past-year use of MDMA by both 10th- and 12th-graders over the past 2 years.
- Also of concern is the increase in past-month nonmedical use of prescription drugs among young adults aged 18 to 25, from 5.4 percent in 2002 to 6.4 percent in 2006. The increase is being driven largely by the use of pain relievers such as OxyContin and Vicodin. Furthermore, in 2006, the number of new initiates in the nonmedical use of prescription pain relievers was roughly even with that of marijuana among persons aged 12 or older.
Illicit Drugs
Prescription Drugs
Finally, consider the following statistics from the 2007 National Survey on Drug Use and Health done by the Office of Applied Studies at the United States Department of Health and Human Services. Close to twenty percent of polled adults over eighteen admitted to using illicit drugs within a month of the poll. Marijuana was the second highest drug used in this poll and came in at just over sixteen percent. This same poll found that males were more likely to abuse both illicit drugs and marijuana while all other drugs were used about evenly with both genders.
Statistically speaking, most adult Americans have tried some type of drug at least once or twice in their lives. This is why it is important for drug addicts to realize that there is no shame in seeking help. Drug addiction statistics regarding both teen and adult drug use are staggering. If you think that you or someone you care about might have a drug addiction problem, contact an expert at a drug and alcohol treatment center. They can help explain that drug addiction is not something to be ashamed of and that a complete recovery from addiction is possible.
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TERNYATA Jin Itu Kecil - Ustadz Zulkifli Muhammad Ali , Lc , MA
Description:Cuplikan Kajian di Majlis Taklim Al-Khansa, Jl. Soepomo No. 143, Jak-Sel.
Kajian dengan tema "Tempat Tinggal Jin" bersama Ustadz Zulkifli Muhammad Ali, Lc, MA.
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|Message view
|« Date » · « Thread »
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|"Geir Magnusson Jr." <g...@pobox.com>
|Re: [classlib][vmi] VMI classes for Thread/Object manipulation for java.util.concurrent
|Tue, 26 Sep 2006 12:48:44 GMT
On Sep 26, 2006, at 6:36 AM, Tim Ellison wrote: > Nathan Beyer wrote: >> > >> and there's no mapping from Unsafe's relative/scaled access for >> array elements. >> >> * I don't think there is any value in separating the atomic >> compare and swap >> method into a concurrency-kernel; there are only three method >> (int/long/Object), the methods use the same fieldOffset/Field ref >> mechanism >> that the Objects/ObjectAccessor does, so this would have to be >> duplicated in >> the interface or a consumer would have to use Objects/ >> ObjectAccessor to work >> with an Atomics class, which creates a loose coupling anyway. > > Ok, so let's agree that the code in misc gets merged into kernel, > and we > drop the idea of a concurrency-kernel. The only question that remains > open for me is whether we need to split the accessors into common > (JNI-based) methods and kernel (VM-specific) methods. > > It sounds like you prefer not to split them, which would put an extra > burden on the VM-port to implement more stuff. If they were split > then > the consumer (classlib developer) would/may have to use both types. Is that so bad, the latter? Seems like we get it right once, and then it makes it easier for others to integrate w/ Harmony classlib... geir --------------------------------------------------------------------- Terms of use : http://incubator.apache.org/harmony/mailing.html To unsubscribe, e-mail: firstname.lastname@example.com For additional commands, e-mail: email@example.com
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text:
It's got a 12MP Pentax cam with CCD sensor and 3x optical zoom, a 3" screen with 480x800 pixels of resolution, and the unpleasant talk time duration of 3.5 hours on a charge. Granted, it has a Xenon flash, HD video recording, and ISO up to 3200 for those low light shots, but at 5.83 ounces (165g) and 0.87" (22mm) thickness, we don't think many shutterbugs will be pocketing this as their main phone.
On top of that it is a feature phone, not an Android endeavor like the 14MP Altek Leo, so we are not losing much sleep over it.
via Engadget


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Memorable Event Planners and Catere...
You'll be the toast of the town when you serve Indian catered foods from Memorable Event Planners and Caterers Inc at your next event.
Bridge at Woodland Hills
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Action Catering Memphis Panini Cate...
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Practice January 2012 Global History and Geography Regents
Which statement is supported by the information provided on this map about the earliest Iron Age in Africa? (1) Before 300 B.C., iron sites existed only in river valleys. (2) Iron technology spread from the west to the east. (3) Numerous iron sites were clustered in the Niger region. (4) Most of the iron sites in Africa were located in the region south of the Sahara. Base your answer to question on the map below and on your knowledge of social studies.
(4) Most of the iron sites in Africa were located in the region south of the Sahara.
A primary source about the French Revolution is (1) an eyewitness account from a prisoner at the Bastille (2) an encyclopedia entry about the Reign of Terror (3) a recent biography of Robespierre (4) a movie about Louis XVI
(1) an eyewitness account from a prisoner at the Bastille
In a pure market economy, who determines which goods and services are produced and in what quantities? (1) government agencies (2) consumers and producers (3) church hierarchy (4) banks and cartels
(2) consumers and producers
These photographs indicate the people of China and the people of ancient Peru modified their environment to (1) create effective trade routes (2) increase the amount of land available for agriculture (3) move large quantities of water into cities (4) provide an effective defense Base your answer to question on the photographs below and on your knowledge of social studies.
(2) increase the amount of land available for agriculture
Kabul is the capital of Afghanistan. India borders Pakistan, China, and Bangladesh. Most of China's major cities are in the eastern part of the country. Which type of map would be most helpful in verifying all this information? (1) political (3) land use (2) climate (4) population density
(1) political
Which belief system requires fasting during Ramadan, praying five times daily, and making a pilgrimage to Mecca? (1) Judaism (3) Islam (2) Christianity (4) Hinduism
(3) Islam
Which statement about ancient Greece is an opinion rather than a fact? (1) Mountainous terrain was an obstacle to Greek political unity. (2) The Spartan culture placed an emphasis on military skills. (3) Athens granted voting rights to male citizens only. (4) Greek architecture was superior to Persian architecture.
The Thar Desert, Ganges River, and Deccan Plateau are all geographic features of (1) Japan (3) India (2) China (4) Indonesia
(3) India
Which philosophy is most closely associated with the development of the Chinese civil service system? (1) legalism (3) Daoism (2) Buddhism (4) Confucianism
(4) Confucianism
The Byzantine Empire influenced the development of Russia by (1) preventing Mongol invasions (2) destroying the power of the legislature (3) establishing the potato as a staple food (4) introducing Eastern Orthodox beliefs
An economic reason for the institution of serfdom was to maintain (1) an educated citizenry (2) a stable workforce (3) overseas trade (4) religious uniformity
(2) a stable workforce
One long-term effect of the Crusades was the (1) development of Pax Mongolia (2) fall of the Ming dynasty (3) control of Jerusalem by Europeans (4) growth of trade and towns in western Europe
One way Japanese feudalism during the Tokugawa shogunate was different from European feudalism is that during this period of Japanese feudalism (1) political power was more centralized (2) foreign missionaries were welcomed (3) emperors were overthrown in coups d'état (4) most wealthy merchants were able to attain high social status
(1) political power was more centralized
The kingdoms of Ghana, Mali, and Songhai prospered primarily due to their (1) exchanges with Indian ports (2) direct access to the Arabian Sea (3) control of trade routes (4) abundance of diamonds
(3) control of trade routes
How did the Commercial Revolution change economic practices in Europe? (1) The manorial system was established. (2) A capitalist economy was developed. (3) The Church became a major economic power. (4) Colonies were granted independence.
(2) A capitalist economy was developed.
One impact Gutenberg's printing press had on western Europe was (1) the spread of Martin Luther's ideas (2) a decrease in the number of universities (3) a decline in literacy (4) the unification of the Holy Roman Empire
(1) the spread of Martin Luther's ideas
What was a result of the efforts of Prince Henry of Portugal, Christopher Columbus, and Ferdinand Magellan? (1) The importance of Mediterranean trade routes was established. (2) The modern concept of universal human rights was promoted. (3) The European view of the physical world was transformed. (4) An understanding of the benefits of cultural diversity was encouraged.
(3) The European view of the physical world was transformed.
The Spanish encomienda system in the Americas resulted in (1) the strengthening of indigenous cultures (2) political independence for the colonies (3) the exploitation of natives (4) religious freedom for the majority of peasants
(3) the exploitation of natives
Which region's colonial class structure included peninsulares, creoles, and mestizos? (1) western Europe (2) sub-Saharan Africa (3) East Asia (4) Latin America
One similarity in the policies of Louis XIV and of Suleiman the Magnificent is that both leaders (1) expanded their empires in the Americas (2) encouraged the growth of democracy (3) increased the power of their central governments (4) abolished the bureaucracy
(3) increased the power of their central governments
Oliver Cromwell led the Puritan Revolution in England in response to the (1) passage of the Bill of Rights (2) autocratic rule of the king (3) implementation of mercantilism (4) defeat of the Spanish Armada
(2) autocratic rule of the king
Base your answer to question on the illustration below and on your knowledge of social studies. Which individual supported the theory represented in this illustration? (1) Socrates (3) Dante (2) Ptolemy (4) Galileo
(4) Galileo
Which issue was a cause of the French Revolution? (1) ineffective rule of Napoleon Bonaparte (2) nationalization of the Church (3) outrage over the use of the guillotine by the Committee of Public Safety (4) demand of the Third Estate for more political power
A major reason the Industrial Revolution developed in Great Britain in the 1700s was because of Great Britain's (1) geographic features (2) immigration policies (3) use of collectivization (4) access to imported oil
(1) geographic features
Toussaint L'Ouverture Bernardo O'Higgins José de San Martín These individuals had their greatest impact on the (1) unification of Italy (2) independence movements in Latin America (3) Zionist movement (4) Catholic Counter Reformation
(2) independence movements in Latin America
What is a major belief associated with Marxism? (1) The proletariat would rise up and overthrow the bourgeoisie. (2) Religion should be more important than political forces. (3) Private ownership of property should be expanded. (4) Peasants would gain control of overseas markets.
(1) The proletariat would rise up and overthrow the bourgeoisie.
The Berlin Conference in 1884 was significant because it (1) promoted Belgium as a world power (2) established rules for the European division of Africa (3) called for a war against England (4) ensured ethnic harmony in the Middle East
(2) established rules for the European division of Africa
Japan began an aggressive policy of imperialism in the late 19th and early 20th centuries because Japan (1) needed raw materials for its factories (2) hoped to spread Shinto (3) sought Western technology (4) wanted revenge for the Opium Wars
(1) needed raw materials for its factories
The immediate cause of World War I was the (1) assassination of Archduke Ferdinand (2) Japanese alliance with Germany (3) treaty agreement at Versailles (4) German invasion of Poland
(1) assassination of Archduke Ferdinand
The Bolshevik Revolution of 1917 in Russia was caused in part by (1) a forced famine in Ukraine (2) the failure of Czar Nicholas II to come to Serbia's aid (3) a shortage of military supplies and food during World War I (4) the establishment of Lenin's New Economic Policy (NEP)
(3) a shortage of military supplies and food during World War I
One way in which Kemal Atatürk of Turkey and Shah Reza Pahlavi of Iran are similar is that both leaders (1) implemented programs to modernize their nations (2) supported increased rights for ethnic minorities (3) adopted policies of nonalignment (4) established theocracies based on Islam
(1) implemented programs to modernize their nations
Base your answer to question on the passage below and on your knowledge of social studies....The German people were never more pitiable than when they stood by and watched this thing done. For the raiders who were let loose on the streets and given a day to sate [indulge] the lowest instincts of cruelty and revenge were indeed an enemy army. No foreign invader could have done more harm. This is Germany in the hour of her greatest defeat; the best overcome by the worst. While many protested at the outrages, and millions must have been sickened and shamed by the crimes committed in their name, many others looked on stolidly or approvingly while the hunters hunted and the wreckers worked. There are stories of mothers who took their children to see the fun.... — New York Times, November 12, 1938 This 1938 passage criticizes those German people who did not (1) participate in these demonstrations (2) condemn the violent acts of Kristallnacht (3) support the government's policy in Austria (4) resist the war effort
(2) condemn the violent acts of Kristallnacht
What was one geographic characteristic of Germany that influenced the outcomes of both World War I and World War II? (1) Mountainous topography protected Germany from the opposing side. (2) A lack of navigable rivers in Germany slowed transportation. (3) Excellent harbors allowed Germany to defeat Great Britain's naval forces. (4) Its central location in Europe resulted in Germany having to fight on two fronts.
Which event in the history of the Indian subcontinent occurred last? (1) Salt March (2) Amritsar Massacre (3) creation of Pakistan (4) Sepoy Rebellion
(3) creation of Pakistan
In the post–World War II time period, the purpose of both the North Atlantic Treaty Organization (NATO) and the Warsaw Pact was to (1) discourage religious toleration (2) establish a military alliance (3) promote economic self-sufficiency (4) eliminate political corruption
(2) establish a military alliance
Fidel Castro was successful at leading a revolution in Cuba because he gained the support of (1) wealthy landowners (2) government officials (3) peasant farmers (4) foreign investors
(3) peasant farmers
Which Southeast Asian nation fought in wars against Japan, France, and the United States during the 20th century? (1) Myanmar (Burma) (2) Thailand (3) Philippines (4) Vietnam
Which country was ruled by Pol Pot and the Khmer Rouge? (1) Afghanistan (3) Cambodia (2) Kazakhstan (4) Bangladesh
(3) Cambodia
The primary goal of the student protests in Tiananmen Square (1989) was to (1) support the policies of the Chinese Communist Party (2) decrease the amount of Western influence in China (3) encourage the spread of industrialization throughout China (4) increase political freedom and rights in China
Base your answer to question on the passage below and on your knowledge of social studies....We have triumphed in the effort to implant hope in the breasts of the millions of our people. We enter into a covenant [agreement] that we shall build the society in which all South Africans, both black and white, will be able to walk tall, without any fear in their hearts, assured of their inalienable right to human dignity—a rainbow nation at peace with itself and the world.... — Nelson Mandela, excerpt from Inaugural Address These words were delivered in 1994 by the newly elected president of South Africa to praise his countrymen's rejection of (1) nationalism (3) apartheid (2) Pan-Africanism (4) democracy
(3) apartheid
The policies of the European Union (EU) and the North American Free Trade Agreement (NAFTA) have both resulted in (1) an increase in interdependence (2) the expansion of totalitarianism (3) an improvement in containment efforts (4) the support of isolationist practices
(1) an increase in interdependence
Which issue has raised significant environmental concerns in the Amazon Basin? (1) desertification (3) tsunami threats (2) deforestation (4) acid rain
(2) deforestation
Many scientists believe global warming is the direct result of (1) using solar panels (2) burning fossil fuels (3) generating nuclear power (4) producing hydroelectric power
(2) burning fossil fuels
Iran and North Korea attracted worldwide attention in the early 21st century because they both have (1) experienced widespread famine (2) discovered oil reserves (3) strengthened humanitarian practices (4) developed nuclear capabilities
Base your answer to question on the passage below and on your knowledge of social studies....The document so frantically cobbled together was stunning in its sweep and simplicity. Never once mentioning king, nobility, or church, it declared the "natural, inalienable and sacred rights of man" to be the foundation of any and all government. It assigned sovereignty to the nation, not the king, and pronounced everyone equal before the law, thus opening positions to talent and merit and implicitly eliminating all privilege based on birth. More striking than any particular guarantee, however, was the universality of the claims made. References to "men," "man," "every man," "all men," "all citizens," "each citizen," "society," and "every society" dwarfed the single reference to the French people.... — Lynn Hunt, Inventing Human Rights: A History, W. W. Norton & Company This passage discusses ideals most directly associated with the (1) Golden Age of Islam (2) Reign of Charlemagne (3) Reformation (4) Enlightenment
The Neolithic Revolution was a turning point in history because (1) factories began to use assembly-line techniques (2) new inventions led to overseas exploration (3) alternatives to hunting and gathering developed (4) the use of chemical fertilizers increased agricultural production
(3) alternatives to hunting and gathering developed
Base your answer to question on the map below and on your knowledge of social studies. Which concept is most closely associated with this map of Asia? (1)nonalignment (2) Urbanization (3) colonization (4) cultural diffusion
One way in which the Atlantic slave trade and the Jewish diaspora are similar is that both (1) forced people to migrate (2) encouraged the growth of secularism (3) created conditions leading to the Encounter (4) resulted from the fall of Constantinople
(1) forced people to migrate
Peter the Great is to Russia as Emperor Meiji is to (1) Mongolia (3) India (2) Japan (4) Korea
(2) Japan
Base your answer to question on the map below and on your knowledge of social studies. Which pair of leaders are associated with the region shown in dark gray on this map? (1) Zheng He and Deng Xiaoping (2) Miguel Hidalgo and Augusto Pinochet (3) Hammurabi and Saddam Hussein (4) Catherine the Great and Vladimir Putin
(3) Hammurabi and Saddam Hussein
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Dr. Jim & Sally Shelton: Former Charismatic Episcopal Minister & Wife
Featuring Jim & Sally Shelton/
Background: Episcopal / Anglican/
July 10, 1998
Jim was baptized and reared Pentecostal Holiness. He attended Oral Roberts University and then earned a Ph.D. in New Testament from Stirling University, in Scotland. Sally was brought up in the Open Bible church but became Pentecostal after meeting Jim. Between 1978 – 1993 they bother were Methodists. In 1993, Jim was ordained a priest in the Charismatic Episcopal church. Jim was received into the Catholic Church in 1996 and Sally in 1997.
Authority / Baptist / Canon of Scripture / Charismatic Episcopal / conversion / couples converting / Early Church Fathers / Eucharist / Evangelical / former protestant pastor / men / Methodist / Pentecostal / Sacraments / united methodist / Women


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Colusa Motel
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Feather river in Oroville, CA
... at this lovely place. Apparently the salmon fishing is good here (but I'm guessing it doesn't hold a candle to Oregon) This campground is clean and I'm overlooking the water. Not bad for an overnighter place on my way to Yosemite. The staff is super friendly and I feel safe here by myself. This afternoon is about tiring out the dog, charging all batteries and filling up water for Yosemite- dry camping 6 days. ...
31MR15 tues morn
... of Lake Tahoe, to our motel room in South Lake Tahoe. We expect to hike there and they have record highs in the 70s! So hopefully we have some good mountain trilas open. We might also take the Heavenly Gondola ride to the top for kicks and maybe i'll need to fight a bad guy on top of it as we go up! Ready for ...
A few days in Gridley, CA
We (my friend Linda and me and my two cats, Buster and FlipperDoodle) stayed here for a few days to visit with my great buddy, Marilyn, and her mom. My daughter showed on Saturday with a UHaul (Pentske truck) with her load from Alameda and we (us and friends Kathy and Jeff) topped the truck off with the last of my belongs ...
Yuba City & Live Oak, Prunes, Prunes, Prunes !
... City (population of 64,000) for dinner with the Prune Bargaining Association and some growers at Sutter Buttes Brewing, a micro brewery and restaurant. We all tried the special beer which is brewed in old Bourbon barrels, has a real bourbon aftertaste and has 12 % alcohol. Not many had a second glass. Lovely night had by all, chatting to the local growers and the association that is independent of Sunsweet ...
Yuba City, Prune Central
... Farms, Yuba City. They are a large grower & packer with around 600 acres (250 ha) of prunes all grown organically. Also have a few hundred acres of walnuts, also organically grown. The fruit is dried then either sent to their processing plant in Poland or processed at the smaller plant here in Yuba City. Most of their fruit & fruit products are exported all around the world. Very tidy operation and show that ...


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Top Ten Best NFL Teams of 2015-2016benpoirier15
The Top Ten
The Seattle Seahawks are the best team in the nfl Go Hawks Go Seattle has the 12th man! Seattle Seahawks best team of all time and very strong defense!
They have the long haul game and come with their 12th man.
Go 12 they have the potential to win the super bowl again
The packers had an easy start for themselves nothing good so far...
GO PACK GO they are the best team ever and I hope they go to the super bowl this year!
There better you know seahawks sucksV 1 Comment
The colts suck how are they 6-5 in the season already. The packers are amazing and won 2 more super bowl than the colts!
They shouldn't even be in the top 10, they went 8-8
HOW IS GREEN BAY number 1 they haven't done squat since 2012
They are the defending champs. A lot of people are concerned about problems in the secondary, but I know they will find an answer to that problem. Malcolm Butler and Daxton Swanson appear to be the two starting CB's as of right now. - benpoirier15
5-11 is not good
Should be #1, only had that blowout because Seattle has an unstoppable defense - Drippycheesycanoli
Should be Number 1! 13-3 where is the respect
They're low cause they lost 36-6 against seattle
The Contenders
What a horrible list. Panthers went 15-1 and are going for #1, and who is down-voting every single comment?! Some are really true. - DonutV 1 Comment
They're doing so much better this year! Playoff hopes are slim but they could still prevail.
Recommended Lists
Related ListsTop Ten NFL Teams With the Best Defensive Lines of the 2015-2016 Season Top Ten NFL Teams Whose Offensive Lines Could've Played Better In the 2015-2016 Season Top Ten NFL Teams Most Likely to Make the 2015-2016 Playoffs Top Ten NFL Teams With the Best Offensive Lines of the 2015-2016 Season Top Ten NFL Teams Whose Defensive Lines Could've Played Better In the 2015-2016 Season
List StatsUpdated 22 May 2017
1 year, 266 days old
Top Remixes
2. Seattle Seahawks
3. New England Patriots
2. Green Bay Packers
3. Seattle Seahawks


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On-property Innkeeper to provide personal service
Completely renovated rooms featuring new furniture, new fabrics, and new Simmons Plush Mattresses
Full kitchens or kitchenettes complete with microwave, coffee maker with complimentary coffee, and refrigerator; some with appliances, dishes & cookware
A laundry room on property for guests' use
Flat screen TV's; all have DVD Players and cable television
Complimentary Wi-Fi and some with iPod docking stations
Iron with ironing board, hair dryer, and bath amenities
Outdoor swimming pool
Free parking
Pet friendly
****NEW-iPad for guests to take off property


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Pelvic pain
I suffering from pain in left side of my lower abdomen.periods are very painful after taking pain killers too I don't get any relief. I need to know why there is sudden change in me.I always take all hygiene methods to keep my private parts clean however many times I hv been diagnosed with uniary tat infection.also at times there is vaginal discharge.sometimes the pain remains back after my periods.that makes me feel exhausted, tired and weak. I went to a gynecologist and she advised for a pelvic ultrasound for thyroid. I need to know can it b related to any tumors or stones in my uterus or ovary or it what. I am tensed and worried too.in addition to it I also get some discharge from breast which is white fluid and very minimal.I checked it by pressing them it's like half of a drop and transparent. Please suggest what could b the reasons for it?
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The pain can be due to many reasons most likely infection , ovarian cyst or endometriotic cyst . so you need to get ultrasound done for the same.avoid using public toilets and keep the area dry.as there is milky discharge from breast you need to get thyroid profile and serum prolactin done.
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The Square Wave Planter from Stewarts in granite is ideal for use on the patio planted with modern plants such as Cordylines, Palms and grasses. The contemporary scalloped design on each planter gives the wave planter a modern stylish look and would suit most modern outdoor spaces.
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Jesus Was Crucified
By Jay Althouse
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SATB choir
Composed by Jay Althouse. Communion, Atonement, Cross of Christ, Good Friday, Holy Week, Lord's Supper, Redemption, Sacrifice, General Worship, Lent, Sacred. Octavo. 8 pages. Published by Hope Publishing Company (HP.C5272).
Item Number: HP.C5272
Text by Jay Althouse.
From Jay Althouse, this poignant Lenten anthem features fresh harmonies with straightforward voice leadings, making it accessible to most choirs. Set to a haunting, minor key melody, the narrative describes Jesus' hours on the cross, culminating with his words, "Father, they know not what they do.".


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The Oasis Health Food Store
Tahlequah, OK 74464
Want to satisfy your appetite with dishes made from quality, healthful ingredients? Check out the Oasis Health Food...Learn More
Want to satisfy your appetite with dishes made from quality, healthful ingredients? Check out the Oasis Health Food...Learn More
Located just south of Northeastern State University, Presley's Burgers in Tahlequah offers delicious lunch specials that...Learn More
"Hidden gem" is a phrase that comes up often when locals describe Fino's Mexican Restaurant in...Learn More
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Close to Northeastern State University, the Iguana Cafée offers a great place to grab a bite, drink some joe and...Learn More
Located in Tahlequah, this family-style restaurant serves one of the state's best buffets loaded with American...Learn More
El Charro in Tahlequah offers a variety of traditional Mexican food favorites for lunch and dinner. Try a...Learn More
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text: Global Core Banking: Steady But Unspectacular Growth November 19, 2013 Daniel W. Latimore, CFA Senior Vice President, Banking Stephen Greer, Analyst, Banking Group A recording of today's webinar and copy of the presentation will be available to Celent clients on our website at http://reports.celent.com/login.asp © CELENT QUALIFICATIONS, ASSUMPTIONS AND LIMITING CONDITIONS This report is for the exclusive use of the CELENT client named herein. This report is not intended for general circulation or publication, nor is it to be reproduced, quoted or distributed for any purpose without the prior written permission of CELENT. There are no third party beneficiaries with respect to this report, and CELENT does not accept any liability to any third party. Information furnished by others, upon which all or portions of this report are based, is believed to be reliable but has not been independently verified, unless otherwise expressly indicated. Public information and industry and statistical data are from sources we deem to be reliable; however, we make no representation as to the accuracy or completeness of such information. The findings contained in this report may contain predictions based on current data and historical trends. Any such predictions are subject to inherent risks and uncertainties. CELENT accepts no responsibility for actual results or future events. The opinions expressed in this report are valid only for the purpose stated herein and as of the date of this report. No obligation is assumed to revise this report to reflect changes, events or conditions, which occur subsequent to the date hereof. All decisions in connection with the implementation or use of advice or recommendations contained in this report are the sole responsibility of the client. This report does not represent investment advice nor does it provide an opinion regarding the fairness of any transaction to any and all parties. CONFIDENTIALITY Our clients' industries are extremely competitive. The confidentiality of companies' plans and data is obviously critical. CELENT will protect the confidentiality of all such client information. Similarly, management consulting is a competitive business. We view our approaches and insights as proprietary and therefore look to our clients to protect CELENT's interests in our presentations, methodologies and analytical techniques. Under no circumstances should this material be shared with any third party without the written consent of CELENT. Copyright © CELENT For today's discussion 1. Market Overview and Key Trends 4 2. Hosted vs. On-Premise 10 3. Global Market Overview 14 4. Regional Market Overview 17 5. Core Banking Market Size 28 © CELENT 3 Section 1 Market Overview and Key Trends Introduction to Core Market Architectures are coming under increased scrutiny for agility, cost and simplicity Core architectures may finally start seeing significant activity; the discussion has certainly become more persistent • Agility requirements • Cost imperatives • Simplicity: Increased interest in "process orchestration" technologies to change customer experience without replacing core Banks increasingly willing to work within a partner ecosystem to deliver value to customers • Increasing use of on-demand computing • Selective outsourcing / partnerships to get more value out of existing assets • Specific contracting arrangements to achieve specific tasks requiring specialized expertise - Some have always been outsourced, at least partially, e.g., advertising, creative and legal - Some have more recently been outsourced, e.g., call centers - Some are now on the table: - Cloud - Marketing services - Analytics - Innovation © CELENT 5 Market Drivers for Core Transformation Trend 1 2 3 High level description Implication upon CBS External Forces • Scalability problems as the bank grows • These external drivers are usually met by • Regulatory and compliance challenges as complex workarounds by institutions still banks must respond quickly to changes running in batch • Channel proliferation requires implementation • The recent glitch at RBS is a good example of of new customer-facing technologies what can happen when batch processing goes • Cost cutting. awry • Real time and 24x7 access Specific Competition • In Australia, core banking migrations by the top banks is having a domino effect on the market • Innovation pressure Internal Developmental Imperatives • COBOL/CICS developers are increasingly hard • Older systems are fading into obscurity to find, and banks relying on these systems are finding it increasingly difficult to develop new • Legacy programming languages products • Internal development can often be hampered by old messy architectures that require a lot • Small banks can often be subject to the development whims of larger, more influential of manual work to get things done client banks • Market leadership • Bringing products to market as quickly as possible and with maximum flexibility • Back-end innovation Source: Celent © CELENT 6 Most Core banking system solutions provide full or partial coverage for the key functions, segments and products found within a bank Generic Banking Architecture (simplified) Data management Corporate banking platforms for retail use Retail-and business banking solutions Branches Cash Management Client/ Partner Call Centre Internet Support systems Mobile ATM HR Customer (relationship) management Business loans Structured Investments Mortgages Consumer loans Investments/ advisory Deposits Materials Mgmt. (Interfaces to) other systems/suppliers: Insurance, AM Products Finance/ Contract Account-based functions Collateral Management Current Account Office Communication Payments Domestic Payments/International Payments Market Document Mgmt. Other operations Securities Processing Bank control/MIS Accounting Sales Controlling Financial Controlling Treasury Included in most CBS solutions Risk Controlling Market Credit Operational Included in some CBS solutions Risk Management Market Credit Operational External Reporting Not directly covered by CBS solutions Source: Celent & Oliver Wyman © CELENT 7 The Definition of Core is Changing Traditional Core Deposits Loans © CELENT Evolving Core Payments? Components The Cloud Big Data Digital Channels "Componentization and advanced middleware are changing the nature of core banking." 8 Macro market trends continue to shape the competitive landscape and influence banks' decisions on core Mergers and Acquisitions Bank M&A Vendor M&A Slow Moving Tier Banking systems are complex 1 Banks Change is costly and time consuming Competitive Push may be lacking Source: Celent © CELENT 9 Section 2 Hosted vs. On-Premise Hosted vs. On-Premise (1/2) Common concerns around hosting Global adoption Financial Institutions 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% North America Western Europe Asia-Pacific ASP EEMEA Latin America Assets ($ billions) On-Premise North America Adoption 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 4425 1312 644 < $0.5 $0.5 - 1 ASP 158 65 61 $5-20 $20-100 >$100 Assets (US$ bn) On-premise # Financial Institutions 5000 4500 4000 3500 3000 2500 2000 1500 1000 500 0 $1-5 Source: Celent analysis © CELENT 11 Banks 1. Infrastructural problems. Telecommunications constraints can limit the effectiveness and reliability of a hosted model. As IT infrastructure improves around the globe, this should be mitigated 2. Some geographies simply don't have a large enough financial services sector to make it reasonable for vendors to host in a data centre 3. Regulatory constraints. Country-specific regulatory measures may requires data be handled within borders 4. Misperceptions. Scalability concerns, developmental control, security risks, and data risks Hosted vs. On-Premise (2/2) Benefits from hosting Global adoption 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 600 512 500 300 215 193 191 Banks 400 200 160 115 100 0 < $0.5 $0.5 - 1 $1-5 $5-20 $20-100 Assets (US$ bn) On-Premise ASP >$100 # Financial Institutions European adoption 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 400 343 285 366 351 350 300 259 250 174 200 150 # Banks 1. Standardization of compliance: Ready made regulatory systems rolled out to the datacentre 2. Cost savings: Data centres can share resources and drive down costs by pooling services. Offsite deployment means the maintenance and hardware costs are taken on by the vendor, while the bank is freed from keeping on expensive IT professionals. 3. Better infrastructure (upgrades, scalability, etc.): Vendors will usually make sure there is sufficient bandwidth to support high traffic, and the focus on providing a hosted model means there's an emphasis on hardware, availability, and automatic upgrading. 4. Focus on main business: Small banks with limited resources can focus more of their energy on bolstering their main business, which is banking. 100 50 0 < $0.5 $0.5 - 1 $1-5 $5-20 $20-100 >$100 Assets (US$ bn) ASP On-Premise # Financial Institutions Source: Celent analysis © CELENT 12 Banks are willing to use cloud to reduce costs; security concerns often make bigger banks reluctant to cede control Bank willingness to adopt cloud • Cloud computing enables ubiquitous, convenient, on-demand network access to a shared pool of computing resources that can be rapidly provisioned and released with minimal management effort or service provider interaction • Service models – SaaS: Software as a Service – PaaS: Platform as a Service – IaaS: Infrastructure as a Service • Deployment models – Private Cloud – Community Cloud – Public Cloud – Hybrid Cloud • On/Off premise an important distinction Source: National Institute of Standards and Technology; Celent Analysis © CELENT Software Platform Infrastructure Private Community Public Hybrid Larger Banks Smaller Banks 13 Section 3 Global Market Overview Global Market Share For Core Systems <$1 Billion in Assets Oracle 3% Sopra 2% Diasoft 2% $1-$20 Billion in Assets ERI Bancaire 3% Oracle 4% Misys 1% Temenos 6% Harland Financial Solutions 6% TCS 3% Accenture 2% Fiserv 17% Infosys 5% Fiserv 39% JHA 6% Other 12% Misys 14% Temenos 10% FIS 14% >$20 Billion in Assets JHA 15% Accenture 3% Sopra 3% CSC 4% ERI 2% FIS 12% Other 12% Sopra 12% FIS 24% Other 5% Infosys 6% SAP 6% TCS 6% Temenos 21% Oracle 6% Misys 14% © CELENT 15 Section 4 Regional Market Overview North America Market Share For Core Systems <$1 Billion in Assets $1-$20 Billion in Assets Other 1% Others 8% Harland Financial Solutions 8% FIS 18% Jack Henry & Associates 20% Fiserv 53% Jack Henry & Associates 20% >$20 Billion in Assets Fiserv 48% FIS 24% Fiserv 9% Oracle 11% FIS 42% CSC 15% Others 23% © CELENT 17 Current Market Conditions in North America 1 Welcome newcomers 2 Large banks feeling the push 3 Banks still reluctant 4 Hosted is still preferred • International entrants like TCS, Temenos, Accenture, and Infosys are breaking into a once very insular market • Barriers to entry are still an issue • As international vendors start winning deals, domestic providers will feel the push • ROI and efficiency of advanced real-time systems will be self-evident • Large banks will still sit unmoved for a while • Lack of experience, lack of familiarity, and lack of existing relationships with many international vendors will play a major role • US is by far the largest banking market in the world • Hosting makes sense, and helps small banks achieve cost savings that might lead to their extinction in other geographies The five-year outlook for the NA core market looks positive © CELENT 18 Western Europe Market Share For Core Systems <$1 Billion in Assets SAP Misys Others 4% 4% 4% $1-$20 Billion in Assets Infosys 2% Infosys 2% Oracle 4% SAP 2% Other 3% Accenture 5% TCS 4% Sopra 33% ERI Bancaire 7% Temenos 43% Oracle 11% FIS 8% FIS 12% >$20 Billion in Assets Sopra 16% Oracle 4% Others 4% Temenos 16% Misys 20% CSC 3% ERI Bancaire 4% Accenture 4% Sopra 5% FIS 33% SAP 6% Misys 13% Temenos 24% © CELENT 19 Current Market Conditions in Western Europe • Lots of opportunity to simplify fragmented market landscape 1 Diverse landscape 2 Proprietary has traditionally reigned • Most large European banks traditionally built their own proprietary systems 3 European crossborder standards and regulation • Regulations and cross-border initiatives (i.e. SEPA) are putting pressure on revenue • Many multi-national banks are running different systems in each country • A few large banks have made the switch to vendor provided systems over the last few years • Banks are looking at ways to increase efficiency • The BIAN initiative has been extremely popular with European Financial Institutions 4 Standardization pushes • Members include ING, ABN Amro, Banco Galicia, UBS, Erste Bank, Rabobank, Postbank, Deustche Bank, and Credit Suisse, in addition to others • This componentization and better interoperatibility Pan-European initiatives are driving unification © CELENT 20 Asia-Pacific Market Share For Core Systems <$1 Billion in Assets Polaris 6% Others 8% $1-$20 Billion in Assets DataVision 4% Polaris 6% TCS 23% Nucleus 6% Infosys 10% Temenos 10% Oracle 10% Fiserv 5% FIS 6% Oracle 8% InfrasoftTech 15% Others 9% Nucleus 14% Misys 19% >$20 Billion in Assets Polaris 4% Oracle 10% Infosys 18% TCS 14% Temenos 9% Others 22% Infosys 13% TCS 21% Temenos 15% FIS 15% © CELENT 21 Current Market Conditions in Asia-Pacific • More deals in general 1 Hotbed of activity 2 Wealth creation is driving the need for customer centricity and scalability • Estimated by Celent for 4.3% annual growth. • Fastest growing core banking markets • Banks in high-growth markets are more likely to do core migrations • Lots of interesting innovations coming out of the Asia-Pacific region • Large Chinese city banks are seeing increased core activity • Indian vendors have done well serving their local demographic 3 Indian vendors are successful locally 4 Australia is seeing a wave of domino migrations • Lots of community banks • Hosted implementations rising • Westpac, NAB, CBA, and ANZ have all had very highly publicized transformations Managing rapid growth is the key component of APAC migrations © CELENT 22 Eastern Europe, Middle-East, and Africa Market Share For Core Systems <$1 Billion in Assets Path Solutions 4% TCS ITS 3% 2% $1-$20 Billion in Assets Misys 2% SunGard 5% Path Solutions 4% ICSFS 4% ITS 4% SunGard 6% Diasoft 25% Infosys 6% Misys 25% Others 8% ICSFS 6% Temenos 19% Nucleus 8% Others 6% Nucleus 3% Sopra 14% Temenos 15% Infosys 9% >$20 Billion in Assets Sopra 10% Diasoft 12% Diasoft 5% FIS 8% SAP 6% Temenos 33% Infosys 10% Others 13% Misys 25% © CELENT 23 Current Market Conditions in Eastern Europe, Middle East, and Africa 1 Rise of international subsidiaries • Traditionally large state-owned entities have dominated 2 Niche vendors play well here • Islamic Banking vendors are popular in this geography 3 Hosting is difficult 4 • State-owned and centrals are now competing with international subsidiaries and local players • Many vendors in these geographies are specialists in certain environments • Hosting is seeing some traction, but is difficult Channel banking • Regulations and infrastructure acting as large barriers • Payments services, remittances, and mobile transactions are catalysts for technology transformation • Channel focus is driven by unique market requirements EEMEA is a unique market with non-standard flexibility requirements © CELENT 24 Latin America Market Share For Core Systems <$1 Billion in Assets $1-$20 Billion in Assets FIS 2% Temenos 10% Bantotal 7% Oracle 23% Temenos 8% FIS 6% Others 19% Others 14% Fiserv 10% Cobiscorp 18% Cobiscorp 19% Bantotal 15% Top Systems 17% >$20 Billion in Assets Temenos 14% Oracle 16% Accenture 16% Oracle 20% Accenture 15% Others 17% SAP 17% FIS 17% © CELENT 25 Current Market Conditions in Latin America 1 Specialists find the most success • Latin American specialists consistently sell the most new core deals annually 2 Regulatory environments a barrier • A wide range of distinct and protective regulatory environments have been difficult for many international vendors breaking into Latin America • Top Systems, Bantotal, and Cobiscorp • Regional experience is usually a key indicator for success • Global vendors have had success with large banks 3 Large banks 4 Channel banking • Most of the activity coming from midsize-large institutions that need to compete with the large players but aren't small enough to be acquired • Capturing the un-banking • CRM solutions in demand Latin America is generally a 'locals only' game for core banking © CELENT 26 Section 5 Core Banking Market Size The Global Core market exhibits market-specific idiosyncrasies • Celent estimates today's market to be $8.6 billion in revenue • Overall growth over the next four years should be 4.0% • Despite significant pressures, banks are a cautious lot – Few banks wish to be pioneers with a vendor new to their geography – Progressive transformation is now the preferred migration path – A few success stories in heritage geographies will unleash pent-up demand Core Revenue Globally 2013 Core Revenue ($ billions) 5-year CAGR © CELENT NA EU APAC EEMEA/ LATAM 2.9 0.9 2.8 2.0 3.7% 3.5% 4.3% 4.1% 28 Scope and considerations for market sizing Price Structure 1 License Fee 2 Implementation Fee 3 Maintenance Fee • • One-time fee charged to the bank Usually is correlated with the asset size of the bank and the number of modules • • Generally covers the cost of the vendor supporting integration and implementation Larger vendors offer certain implementation services directly, but often enlist system integration partners to complete much of the process • • Annual cost of maintaining the core system Typically includes upgrades and enhancements made by the core vendor Pricing Estimates PRICING LICENSE FEE IMPLEMENTATION FEE FOR VENDOR DATA MIGRATION, HARDWARE, AND GAP CLOSURE ANNUAL MAINTENANCE FEE TOP 500 INSTALLATIONS: ESTIMATED VALUE (US$ MILLIONS) $15 $15 500-1000 INSTALLATIONS: ESTIMATED VALUE (US$ MILLIONS) $10 $10 REMAINING VENDORSERVICED BANKS 1.5 1.5 $100 $25 0.7 $3 $2 0.4 COMMENTS Estimated as a one-time payment 100% of license; one time only 20% of license; paid annually (except for smallest) Source: Celent & Vendors © CELENT 29 Core revenue by region shows slight disparities in growth driven by regional demand Core Revenue by Region NORTH AMERICA WESTERN EUROPE ESTIMATED MIGRATION RATES 179 2% 239 $12,000 2% US$ millions REGION NUMBER OF INSTALLATIONS IN TOP 1,000 BANKS CAGRs Overall NA Europe APAC LA/EEMEA 4.0% 3.7 3.5 4.3 4.1 $10,000 $8,000 $6,000 ASIA-PACIFIC 360 6% $4,000 $2,000 LATIN AMERICA, MIDDLE EAST, EASTERN EUROPE, AFRICA 222 7% $0 2013 2014 North America APAC 2015 Europe 2016 2017 LA/ EEMEA Source: Celent & Vendors © CELENT 30 Maintenance will a driver of core revenue growth despite standing at 41% of total revenue today $12,000 CAGRs Overall: 4.0% Maintenance: 6.1 New: 2.4 US$ million $10,000 $8,000 $6,000 $4,000 $2,000 $0 2013 2014 2015 Maintenance 2016 2017 New Project Source: Celent & Vendors © CELENT 31 Conclusion Global Observations 1 Banks are increasingly willing to consider core replacements, whether big bang or phased (which is dependent on size) 2 Cost and customer demands for agility are key drivers motivating banks to finally make the switch 3 Vendor products have matured enough that the trepidation banks have typically felt may no longer be warranted © CELENT 32 Thank You Daniel W. Latimore, CFA Senior Vice President, Banking email@example.com Twitter: @danlatimore Stephen Greer Analyst, Banking email@example.com


text:
Restoration of the Wizards: Chapter 1.8
Day 9, 1260 words (6480 total)
"Best keep that a secret." He whispered. Niserie nodded. Having magical glowing hair wasn't something people saw from day to day. Better keep it a secret for now. The scout rode up to them and stopped in front of them.
"Were you sent from the forest?"
"Yes. And in the middle, we were attacked by trolls, losing all our horses. There were five of use but we got split fighting the trolls."
The scout nodded.
"There were some raging trolls the other day. Took away two of our best scouts. Well, come along. I suppose you're probably starving."
The scout called up two horses and they rode back to the scout camp. There were a few others sitting around too with a few scant provisions. It was nothing compared to those berries they had that morning.
"You're actually not too far from Luri. You got lucky. Any farther, and you could have die of starvation. I don't know what's been going on with the cloud but it definitely has made things harder. Much harder for us."
The scout got up and came back with a small bundle.
"Here. These cloaks are a lot lighter then those lumbering things you got on. They're made of a special fabric, tight, strong and light." He tossed the bundles over.
"Thanks." Fregodolf gave him a smile.
They threw on their new cloaks and abandoned their old ones. Walking felt so much lighter this way.
Stumbling along the drained river was about just as hard as finding the river was. The barely trickling little thing weaved in and out of the tall grass and in the darkness made barely any noise either. When they were thirsty, there was the river. But food was a problem. For a while, they tried chewing grass, but that bitter dry and hard stuff wasn't filling and didn't eases the hunger at all other than giving stomach aches. Brinovan pushed them till they couldn't walk a single step farther. Canmar collapsed on the ground too tired to take around step. Yalden stopped moments later.
"Come one guys! We need to get moving!"
"I can't do this anymore." Canmar gasped. "If I take another step, I'm going to die. I can feel it."
"Same here." Yalden panted.
"But, if we don't get going we'll still die." Brinovan was just as tired but he knew he couldn't stop. Not now. If he stopped, then he might never be able to get back up again.
"Come on. Lets go. If you stop. Don't plan on getting up again."
They seemed to understand what he meant and they slowly crawled back up. They stumbled on like this for three more days. It felt endless.
The day finally came when Canmar looked up.
"The valley!" He shouted and practically ran to the valley and kissed the ground. Never had he been so happy to see something.
The scouts rode with then quickly back to the valley. The journey was short and they arrived at the valley with a pleasant surprise. The other three were sitting at the mouth of the valley. Exhausted, tired but happy. They almost would have celebrated if it weren't for the fact the they were all so tired. They camped right outside of the valley and rested well that night. The next day they would set out to ride into the valley. They would reach the village by nightfall. The journey was over. At least the first part of it was.
Days later, Ilin snuck out of his room and ran through the streets until he neared the entrance of the Grand Hall. Today was the evening of the Council. He was going to witness it. He darted through the crowd and hid near the large doors. If they open, then he would be able to dart in.
Ilin was tall like any elf, half-elf or elf related creature. He had soft gray eyes and silver hair that extended past his shoulders. He looked not much older than twenty though his eyes gave away his years. Much older. Much wiser. Not a hothead younging blinded by inexperience. But he was still a child compared to the ones at the Council.
The crowd that formed murmured loudly until an announcer stepped onto the balcony of the great hall.
"The Council will be meeting shortly. We are waiting for the last of the representatives to arrive."
The crowd ceased to speak and waited silently for the new of the last few representatives. Moments later, the fresh sound of horse hooves echoed through the valley and everyone turned. There five great horses galloped by. Each of the five riders wore long shimmering black cloaks. Four of them were men. The other, hidden from view, seemed to be a girl. Ilin stared at the shadowy figure. What was a girl doing here?
"Welcome! Welcome to the town of Loria on the valley of Luri!" The announcer boomed at the new arrivals. They dismounted and the doors of the Great Hall slowly creaked open. They lead their horses into the hall and the doors began to close behind them.
Ilin continued staring at the girl. If a girl could go to the Council meeting, then why not him? And with that push, he leapt into the hall just before the doors closed. It felt easy. Too easy.
For some reason Niserie was feeling as if someone was staring at her.
Of course silly! There are thousands of people crowded around you, how could there not be someone who is staring at you?
But Niserie still couldn't shake the feeling that she was being watched. Maybe not for a bad intent, but it still made her feel uncomfortable.
The doors closed behind her with a large slam and she almost jumped in surprise. Two servants walked over to take their riding cloaks. The others shed their off quickly, disliking the heaviness of the cloak, but Niserie shrank back a little when the servant reached out to take it off of her. Her hair was all she could think of. Maybe it was a silly fear, but that one meeting where she caused a huge ruckus just because of the color of her hair was etched deep into her mind. Too deep into her mind.
It was when she was 43, still barely a child. The meeting was called and she arrived. Most younglings could be born with golden hair but everyone lost their by the time they were 12. She was quite a few years overdue and it seemed to be a little too long in the eyes of the others. And so they became paranoid. About what? She had no clue. Why would they get paranoid? What was there to be afraid of? Maybe it was just her inexperience, but of the 500 some years she was alive, there seemed to be no threat because of her hair. It wasn't like golden hair meant you were the child of the devil. Since when was gold a devilish color? But the harm was done and since then, she was probably more paranoid about her hair than the others were. She didn't want people to be judging her for the rest of her life and that meant for at least another few thousand years. That would be some tortuous life.
But Fregodolf didn't react to it abnormally!
She shook her head. Maybe he was just tired that day.
Niserie shook her head at the servant. The others turned to see what was the problem. The Fregodolf stepped out.


text:
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Small is beautiful in SW7
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Genre: Apocalyptic/Thriller/Virus/Plague
Release: August 14, 2012
Sold by: CreateSpace
Sold by: CreateSpace
Buy the Book: Amazon
THE DEADLIEST DISEASE IN HISTORY . . . A lethal pathogen appears on the Hawaiian island of Oahu. Dr. Samantha Bower of the Centers for Disease Control is handed the case and asked to investigate its origins and containment. A MYSTERIOUS FIGURE THAT IS NOT WHO HE APPEARS TO BE . . . Samantha discovers a lethal pathogen unlike any she has encountered in her lifetime. Extremely contagious with a mortality rate higher than any disease ever recorded, it is an extinction level event. A man with an intimate knowledge of the microorganism offers her help. But Samantha Bower begins to suspect he is not who he says he is. HUMANITY HANGS ON THE EDGE OF A CLIFF . . . Samantha begins to realize there are forces at work that she can't understand. Pressures are being applied from outside sources and not all of them wish for a vaccine. But Samantha is sure of one thing: if a vaccine isn't developed, humanity may soon be an endangered species. . .
This is a really interesting plot. Pre-apocalyptic happened in Hawaii that found its way to the Mainland. Another scary "what if" and act of terrorism. I read this together with the Gemini Virus and I cannot choose which I like best. Aside from the virus there are some horrific scene about how humans cope and take advantage of an already scary situation. I love Samantha and how she wouldn't back down and really annoyed with the ending. I have to wait for the next book?! I was not expecting a trilogy but there it is I have to see what happens next.