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Statement of Matthew P. Fink
President, Investment Company Institute
Before the Committee on Banking, Housing,
and Urban Affairs United States Senate
On the "Financial Services Act of 1998"
June 18, 1998
* * * * * * * *
Table of Contents
I. Oral Statement of Matthew P. Fink
III. Introduction
IV. Background
V. Principles of Successful Financial Services Reform
VI. Rationalizing the Role of the Federal Reserve Board
VII. Rationalizing the Role of the Other Federal Banking Agencies
VIII. Nonfinancial Activities
IX. Conclusion
* * * * * * * *
I. Oral Statement of Matthew P. Fink
I'm Matthew Fink, president of the Investment Company Institute, which is a national association of the American mutual fund industry.
We are delighted that long overdue financial reform legislation has passed the House, and we are equally delighted that it's before this Committee.
We look forward to working with this Committee and the entire Senate to enact legislation this year.
By way of background, since the Investment Company Act was passed in 1940, the mutual fund industry has steadily grown from 68 funds then to over 7,000 now.
At the same time, assets have increased from $448 million to almost $5 trillion today.
There are many reasons for this long success story but in our view, the most important factor behind the industry's success and growth is the very successful scheme of regulation under the Investment Company Act of 1940.
That scheme of regulation has produced very widespread public confidence in the mutual fund industry. And therefore, when we evaluate financial services reform legislation, the touchstone for us is to make sure that legislation does not harm the successful scheme of Investment Company Act regulation.
We, and almost all observers, agree that the old laws that separate mutual funds, securities firms, banks, and insurance companies are no longer appropriate.
In order to correct this problem, we believe that legislation should do four things.
First, it should permit banks, securities firms, and insurance companies to freely affiliate with one another.
Second, it should provide for functional regulation of each entity in these new holding companies.
Third, it should create an oversight system that governs the new financial services holding companies, that protects the public, but that does not result in imposing bank-type regulation on mutual funds, securities firms, or insurance companies.
And fourth, it should permit these new financial service companies to have some element of non-financial, commercial activities.
H.R. 10, as passed by the House, contains many of these elements, but it needs clarification and adjustments in some areas.
The most important area in H.R. 10 is premised on the idea that the Federal Reserve Board will serve as the umbrella regulator over all aspects of the new financial service holding companies.
The umbrella metaphor may be unfortunate because it may convey the suggestion, which we think is incorrect, that the Fed is expected to use its responsibilities in precisely the same way that it has in the past when it only regulated banks and entities engaged in activities closely related to banking and bank holding companies.
We are now going to have a very different situation because we are going to have a very diverse group of non-bank entities in these holding companies: mutual funds, securities firms, and insurance companies.
As the SEC has repeatedly testified before this and other Committees over the years, placing entrepreneurial and risk-taking firms, like mutual funds and securities firms, under the umbrella of bank-type regulation, would be a very serious mistake.
To use an analogy, it would be like taking the laws that currently govern the automobile industry and applying them slapdash to the aircraft industry and assume they are going to work because the aircraft industry, like the automobile industry, is engaged in transportation.
So, if the legislation, as H.R. 10 does, makes the Federal Reserve Board the umbrella regulator, it must be understood that Congress would be greatly transforming the Board's historic role.
The Board will no longer simply be a bank regulator that worries about and promotes the safety and soundness of banks, it will be wholly transformed into an umbrella regulator with authority over all types of entities and financial holding companies, with cultures and business traditions that are very different from commercial banking.
Mr. Chairman, your early bill, S. 2988, fully recognized the problems associated with an over-arching umbrella regulator. H.R. 10 takes a different approach but it needs greater clarity.
To be precise, we think the legislation must recognize the totally new role being assigned to the Fed, and make it very explicit that the Federal Reserve Board is not authorized by this legislation to impose bank-type regulation on mutual funds, securities firms, and insurance companies.
Similarly, the Board should not be allowed to establish capital requirements for these new entities. And similarly, there should be provisions (similar to those that we think should apply to the Board) that would apply to the other banking agencies.
Finally, mutual fund companies, securities firms, and insurance companies, should not be put at a competitive disadvantage relative to banks because they currently engage in some commercial activities.
Mutual funds have never been subject to a ban on having commercial affiliates, like those contained in H.R. 10, and they shouldn't be penalized if they now come under H.R. 10.
Accordingly, we think H.R. 10 should be amended, much as it came through the two House Committees, and allow some limited amount of commercial activities in these new holding companies.
I think one thing everybody agrees on is that the need for reform legislation is unquestioned. In light of the historic realignment H.R. 10 would make, we think it is critical that the bill reach the type of balance I was describing about functional regulation of mutual funds, securities firms, and insurance companies.
That being said, if our proposed changes are adopted (and they are largely in the nature of clarifications), we think that the benefits that H.R. 10 would bring to this economy and to this nation are so valuable, we would support enactment of legislation in this session of the Congress.
Thank you.
II. Executive Summary
The laws that separate mutual funds, securities, insurance and banking are no longer appropriate in light of the modern financial services marketplace. In order to correct this problem, Congress should:
- permit banks, securities firms, mutual fund companies and insurance companies to affiliate with one another;
- provide for functional regulation of each entity;
- create an oversight system for financial services holding companies that protects the public interest without imposing bank-like regulation on mutual funds and other functionally regulated nonbank entities; and
- permit financial holding companies to accommodate nonfinancial affiliates of securities and insurance firms.
The Federal Reserve Board's role as umbrella regulator of the new financial holding companies should be shaped by the fact that it will no longer simply be the umbrella regulator of banks and affiliates that engage in activities closely related to banking. Instead, the Board will monitor organizations that will engage in a broad array of mutual fund, securities, and insurance activities in addition to banking.
Because other federal and state regulators with functional expertise in these areas have successfully overseen these activities for decades, there is no need for the Board to govern the day-to-day nonbanking activities of financial holding companies. Instead, the Board's regulatory authority should be centered on banks and should not be used to impose bank-like regulation on mutual funds and other functionally regulated entities. H.R. 10 should be amended to make this more clear.
H.R. 10 also should be amended to ensure that federal banking agencies other than the Federal Reserve Board do not attempt to impose bank-like regulation on affiliates of banks.
Mutual fund companies and other securities and insurance firms should not be placed at a competitive disadvantage relative to banks simply because they currently engage to some extent in nonfinancial activities. Nonbank entities such as mutual funds have never been subject to activities restrictions like those contained in H.R. 10, and should not be penalized if they now become subject to its provisions. Accordingly, H.R. 10 should be amended to allow financial holding companies to engage in a limited amount of nonfinancial activities.
III. Introduction
My name is Matthew P. Fink. I am President of the Investment Company Institute, the national association of the American investment company industry. The Institute's membership includes nearly 7,000 open-end investment companies ("mutual funds"), 437 closed-end investment companies and 9 sponsors of unit investment trusts. The Institute's mutual fund members have assets of about $5 trillion, accounting for approximately 95 percent of total industry assets, and have over 62 million individual shareholders. The Institute's members include mutual funds advised by investment counseling firms, commercial banks, broker-dealers, insurance companies and affiliates of commercial firms.
The Institute has been an active participant in the debate on financial services reform and has testified before Congress on subjects directly relating to financial services reform more than twenty times over the last twenty-three years. I am pleased to be here today on behalf of the Institute to testify with respect to H.R. 10, the "Financial Services Act of 1998."
IV. Background
A. Growth and Regulation of the Mutual Fund Industry
Since 1940, when Congress enacted the Investment Company Act, the mutual fund industry has grown steadily from 68 funds to over 7,000 funds today, and from assets of $448 million in 1940 to about $5 trillion today. These include nearly 3,300 equity funds with over $2.8 trillion in assets, much of which is invested in start-up companies and other growing enterprises in cities and towns in every corner of the nation.
Many factors have contributed to the growth of the mutual fund industry over the years. They include the capital appreciation of portfolio securities, additional purchases by existing fund shareholders, new products and services designed to meet changing investor needs, the growth of the retirement plan market, increased investment by institutional investors, new distribution channels, and a shift by individuals from direct investment in securities to investment through mutual funds.
In our view, however, the most important factor contributing to the industry's growth and success is that mutual funds are subject to stringent regulation by the United States Securities and Exchange Commission under the Investment Company Act. The core objectives of the Act are to: (1) ensure that investors receive adequate, accurate information about mutual funds in which they invest; (2) protect the integrity of the fund's assets; (3) prohibit abusive forms of self-dealing; (4) restrict unfair and unsound capital structures; and (5) ensure the fair valuation of investor purchases and redemptions. These requirements—and the industry's commitment to complying with their letter and spirit—have produced widespread public confidence in the mutual fund industry. In our judgment, investor confidence has been and continues to be the foundation for the success that the industry now enjoys.
The mutual fund industry has always spoken out against legislation that would impair this effective and time-tested regulatory system. For example, we continue to strongly oppose the imposition of bank-type regulation on mutual funds.
B. Differences Between Bank Regulation and Mutual Fund
If financial services reform is to succeed in producing more vibrant and competitive financial services companies, it must provide a regulatory structure that respects and is carefully tailored to the divergent requirements of each of the business sectors that comprise the financial services marketplace. The securities, mutual fund, banking and insurance industries all historically have been and presently are subject to extensive governmental oversight. But for reasons that continue to make good sense even in this era of consolidation and conglomeration, the regulations governing each of these businesses rest on different premises, have different public policy objectives and respond to distinct governmental and societal concerns.
Our mutual fund and securities markets are based on transparency, strict market discipline, creativity and risk-taking. The federal securities laws, including the Investment Company Act, reflect the nature of this marketplace and, accordingly, do not seek to limit risk-taking nor do they extend any government guarantee. Rather, the securities laws require full and fair disclosure of all material information, focus on investor protection and the maintenance of fair and orderly markets, and prohibit fraudulent and deceptive practices. Securities regulators strictly enforce the securities laws by bringing enforcement actions, and imposing substantial penalties—in a process that by design is fully disclosed to the markets and the American public.
Banks, by contrast, are supported by federal deposit insurance, access to the discount window and the overall federal safety net. Therefore, regulation imposes significant restraints and requirements on the operation of banks.
It may well be that this regulatory approach is prudent and appropriate when it comes to the government's interest in overseeing banks. But it would be fundamentally inconsistent with the very nature of the mutual fund and securities markets to impose bank-like regulation on mutual fund companies and other securities firms affiliated with banks. To do so could profoundly impair the ability of mutual funds and securities firms to serve their customers and compete effectively. More worrisome, it could compromise the continued successful operation of the existing securities regulatory system.
Finally—and perhaps most importantly—imposing bank-like regulation on an industry for which it was not designed could even jeopardize the functioning of our broad capital markets. This would risk the loss of a priceless and valuable national asset. As SEC Chairman Arthur Levitt has stated, "[o]ur capital markets must remain among our nation's most spectacular achievements . . . . Those markets, and investors' confidence in them, are a rich legacy we have inherited, but do not own. They are a national asset we hold in trust for our children, and for generations of Americans to come."1
V. Principles of Successful Financial Services
To most observers, it is now abundantly clear that the laws that separate mutual funds, securities, insurance and banking are no longer appropriate in light of our modern and fiercely competitive financial services marketplace. In order to correct the mismatch between these rigid and atrophied laws and the reality of today's dynamic financial services marketplace, the Institute believes that financial services reform legislation should include four key elements. Simply put, Congress should:
- permit banks, securities firms, mutual fund companies and insurance companies to affiliate with one another in diversified financial holding companies;
- provide for functional regulation of each entity (bank, mutual fund, insurance company, etc.) within the resulting diversified organization;
- create an oversight system governing organizations owning securities firms, mutual fund companies, insurance companies and commercial banks that maximizes the public interest in protecting consumers of financial services while not imposing ill-fitting, one-size-fits-all bank-like regulation on mutual funds and other nonbank entities within the holding company; and
- permit financial services holding companies to accommodate nonfinancial affiliates of securities firms, mutual fund companies and insurance companies.
S. 298, the "Depository Institutions Affiliation Act," as introduced by Chairman D'Amato, reflects many of these key elements for successful financial services reform. In particular, S. 298 embraces the concept of true functional regulation without a single umbrella regulator and allows unrestricted mixing of banking and commerce. H.R. 10, the "Financial Services Act of 1998," in many respects also reflects elements of successful financial services reform. More changes, however, are needed.
In particular, H.R. 10 should clarify and tighten the proposed role of the Federal Reserve Board as umbrella regulator of the new diversified financial holding companies. H.R. 10 also needs to be revised to provide for true functional regulation that recognizes the differences between bank regulation and mutual fund regulation. And H.R. 10 should better recognize the reality of the evolving financial services marketplace and permit mutual fund companies and other securities firms to continue to engage, to some extent, in nonfinancial activities.
VI. Rationalizing the Role of the Federal Reserve
A. Clarifying its Role as Umbrella Regulator
The Federal Reserve Board currently serves as the umbrella regulator of bank holding companies under the Bank Holding Company Act. Under current law, in general, bank holding companies and their nonbank subsidiaries may only engage in activities that the Board has determined to be closely related to banking. Additionally, the banks owned by a bank holding company are only required to be adequately capitalized. Thus, the Board's principal role as a bank regulator is centered on protecting taxpayers and the banking system by restricting banks and ensuring that bank holding companies only engage in activities under bank-like regulation.
However, under H.R. 10, financial holding companies and their subsidiaries would be allowed to engage in a much broader array of financial activities, including mutual fund, securities and insurance activities. Because federal and state regulators other than the Board—with functional expertise in these areas—have successfully overseen these financial activities for decades, there is no need for the Board to govern the day-to-day nonbanking activities of a financial holding company. Moreover, Board oversight of nonbank affiliates is unnecessary given that banks owned by a financial holding company must be well capitalized and well managed. Additionally, as discussed above, imposing bank-like regulation on mutual funds and securities firms would likely harm innovation, damage our capital markets, and hurt our growing population of investors.
Effective oversight for diversified financial services organizations operating in a highly competitive global economy should be shaped by three basic concepts: functional regulation, bank-centered supervision and enforcement, and effective regulatory coordination. Functional regulation envisions that each subsidiary of the financial holding company will be separately regulated by function with, for example, the Securities and Exchange Commission acting as the primary regulator of mutual funds and securities firms, the states acting as the primary regulator of insurance companies, and the appropriate federal banking agency acting as the primary regulator of banks. Bank-centered supervision and enforcement refers to a system in which regulatory actions considered necessary to protect the safety and soundness of individual banks and the payment system are imposed directly on banks, rather than spread to other functionally regulated entities affiliated with banks. Effective regulatory coordination means providing mechanisms for communication and cooperation among the functional regulators to avoid duplicative and unnecessary oversight in carrying our their regulatory responsibilities.
H.R. 10 is based on the premise that the Federal Reserve Board should serve as an umbrella regulator for new financial holding companies that own both banks and nonbanks, to monitor and protect against risks to individual banks and the payments system. While we believe that other equally effective regulatory structures could be implemented, we understand Congress's concern that a single regulator be responsible for monitoring the entire financial services organization. We believe, however, that it is equally important that this regulatory authority be clearly defined to center on banks. It must be made explicit that this authority does not extend to regulating the day-to-day activities of other functionally regulated nonbank entities within the holding company, such as securities firms and mutual funds that are regulated by the SEC, simply because those entities are within a financial holding company structure.
B. Provisions of H.R. 10 Concerning Federal Reserve Board
H.R. 10 attempts to balance these concerns by including certain provisions that delineate the Federal Reserve Board's authority to regulate and examine financial holding companies and their functionally regulated subsidiaries. In particular, H.R. 10: (i) clarifies the Board's authority to require reports from, examine, and impose capital requirements on functionally regulated subsidiaries of financial holding companies;2 (ii) makes the SEC the exclusive federal agency authorized to examine any mutual fund that is not a bank holding company;3 and (iii) clarifies the Board's rulemaking, supervisory and enforcement authority with respect to the business of functionally regulated subsidiaries of financial holding companies.4 While these clarifications of the Board's authority are very important in addressing the concerns cited above, certain additional changes to H.R. 10 are necessary to ensure that bank-like regulation is not imposed on functionally regulated subsidiaries of financial holding companies.
Actions Against Functionally Regulated Affiliates
Section 116 of H.R. 10 limits the Board's authority to impose restraints or requirements on functionally regulated affiliates of banks, such as investment advisers to mutual funds, broker-dealers or insurance companies. In general, the Board may not take actions against functionally regulated affiliates unless there is an unsafe or unsound practice that poses a material risk to the financial safety and stability of an affiliated depository institution or the payments system. Although this provision allows some protection to functionally regulated affiliates from day-to-day regulation of their activities by the Board, greater clarification is needed.
In particular, the types of "material risk" that can trigger Board action are not clear under the legislation. We are also concerned that the Board could bypass this test to allow it to prevent or impede mutual funds from engaging in activities that are completely permissible under the securities laws. For example, we do not believe that the Board should be allowed to prohibit the creation of a mutual fund that invests in high yield bonds simply because those investments may entail certain risks to investors. The Board should not regulate the business operations or day-to-day activities of a functionally regulated affiliate unless it engages in an activity that poses a serious risk to its affiliated bank or the payments system. Accordingly, we believe that H.R. 10 should be amended to add a statutory provision that sets forth Congress's intent of what would constitute a "material risk" for these purposes.
Deference to Other Functional Regulators
Section 111 of H.R. 10 grants the Board authority to conduct certain examinations and require certain reports from functionally regulated affiliates of banks, such as investment advisers to mutual funds, broker-dealers or insurance companies. However, the Board is required to defer to the SEC with regard to the interpretation and enforcement of all federal securities laws governing SEC-regulated entities, and to the states with regard to all state insurance laws governing insurance companies and agents. The Board also is required to defer to other functional regulators' examinations and reports, such as the SEC's examinations of, or reports on, mutual funds. The Institute strongly supports the concept of Board deference to examinations, reports and securities law interpretations by the SEC. Without such deference, the Board could apply the securities laws in a manner that is inconsistent with the prior interpretations of the SEC.5
Holding Company Capital Requirements
The Institute also believes that H.R. 10 should prohibit the imposition of capital requirements on financial holding companies. Because banks, broker-dealers and insurance companies are already subject to capital standards, it is unnecessary and redundant, as well as inconsistent with the notion of functional regulation, for H.R. 10 to require financial holding companies to maintain an additional layer of capital. Moreover, in order to engage in a broad array of financial activities, all of the bank subsidiaries of a financial holding company must be well capitalized and well managed, eliminating the need for bank-like holding company capital requirements.
If the Board has authority to impose capital requirements, it could restrict innovative product development by functionally regulated affiliates. For example, the Board could require higher capital as the price for offering a wider array of mutual funds. The holding company capital requirement should not be used to deter nonbanking product development.
VII. Rationalizing the Role of the Other Federal
Banking Agencies
The provisions discussed above only address the regulatory authority of the Federal Reserve Board with regard to functionally regulated affiliates of banks. Regrettably, there are no parallel provisions in H.R. 10 that limit the authority under current banking laws of other federal banking agencies to regulate functionally regulated affiliates of banks, including mutual fund companies. We believe that provisions similar to those that clarify the Board's authority with respect to functionally regulated subsidiaries of financial holding companies should also apply to the other federal banking agencies. Otherwise, these agencies may claim to have broader authority relating to functionally regulated entities than the Board. Given that the Board is intended to be the umbrella attempting to engage in the day-to-day regulation of functionally regulated nonbank affiliates, the legislation should make clear that the banking agencies' authority is not broader than the Board's authority.
Indeed, history demonstrates that bank regulators have asserted authority over securities affiliates of banks and have imposed requirements that are inconsistent with fundamental tenets of securities regulation. For example, the FDIC adopted a rule in 1984 that limited certain state nonmember bank securities affiliates to underwriting investment quality securities.6 The release accompanying the rule stated that the FDIC's purpose in adopting the rule was to address the risk associated with bank subsidiaries underwriting securities. The release also stated the FDIC's view that it had the authority to address, on a case-by-case basis, practices, acts or conduct of the securities affiliate that it found to constitute unsafe or unsound practices not specifically addressed by the rule.
As discussed above, applying bank-like regulations to mutual funds and the securities markets generally could profoundly impair the continued successful operation of the existing securities regulatory system and damage our capital markets. If the banking agencies have authority to impose restrictions on the activities of securities affiliates of banks based on whether such activities meet bank safety and soundness standards, such a result could occur. Accordingly, it is critical that H.R. 10 be amended to rationalize the role of the banking agencies with regard to mutual funds and securities firms in order to protect the existing securities regulatory system and the capital markets.
The danger also exists that a banking agency might be tempted to stifle innovation and preclude new product developments by a securities affiliate on the ground that they may compromise the competitive standing of banks. For example, Professor John C. Coffee, Jr. observed that a single financial services regulator might have barred or restricted the growth of money market mutual funds in the 1970s because of the competition these funds posed to bank accounts. Such an outcome not only would have been anticompetitive, but also a notable disservice to consumers and the capital marketplace.
VIII. Nonfinancial Activities
An important objective of any financial services reform legislation is to create competitive equality among banks, mutual funds, securities firms and insurance companies. Unfortunately, H.R. 10 falls short in this respect because it retains the strict separation between "banking" and "commerce." Specifically, mutual fund firms, securities firms or insurance companies would only be able to acquire banks by becoming financial holding companies and divesting their nonfinancial activities within 15 years. This approach would introduce competitive inequities: all banks could enter the securities and insurance businesses, but not all securities firms and insurance companies could own commercial banks.
To provide a fair and balanced competitive environment, the Institute recommends that H.R. 10 be amended to allow financial holding companies to engage to some degree in nonfinancial activities. This would create a financial services holding company that reflects the realities of today's marketplace. For example, many mutual fund companies are affiliated with entities involved in some degree in commercial activities. For these companies fully to participate in the landmark regulatory realignment contemplated by this legislation, they must be permitted to have some part of their business involved in nonfinancial activities. While the versions of H.R. 10 passed by the House Banking and Commerce Committees contained provisions for limited commercial activities by financial holding companies, the version passed by the full House did not.7 Mutual fund companies and other securities firms have never been subject to activities restrictions like those contained in H.R. 10, and should not be penalized if they now become subject to its provisions. Accordingly, we would support adding back into H.R. 10 a provision allowing financial holding companies to engage in a limited amount of nonfinancial activities.
IX. Conclusion
The Institute continues to support efforts by Congress to modernize the nation's financial laws. H.R. 10 represents a major step in this direction by permitting affiliations of banks, mutual fund companies, securities firms and insurance companies in diversified financial holding companies.
However, any change in financial services law needs to recognize the reality of today's financial services marketplace. Financial services companies are engaging in a broad array of mutual fund, securities and insurance activities, as well as banking. Because federal and state regulators have successfully overseen these activities for decades, there is no need to impose bank-like rules and regulations on the mutual fund, securities and insurance industries. In fact, imposing a bank-like regime on the mutual fund industry could destroy the highly successful regulatory system that is a major cause of the success that our industry enjoys today.
Accordingly, modifications are needed to H.R. 10 to ensure that regulatory principles that may be appropriate for banks and bank holding companies are not inappropriately applied to mutual funds to the detriment of the investing public and our capital markets. Additionally, H.R. 10 needs to recognize the reality of today's financial services marketplace and not create barriers to entry for financial services companies engaged to some extent in nonfinancial activities. We strongly encourage the Committee to carefully consider these issues as it moves forward with the legislation.
We thank you for the opportunity to present our views and look forward to working with the Committee as H.R. 10 moves forward.
1A Declaration of (Accounting) Independence," Remarks by Arthur Levitt, Chairman, U.S. Securities and Exchange Commission, before The Conference Board, New York, New York (Oct. 8, 1997).
2See Financial Services Act of 1998 §111.
5The Institute has drafted certain technical changes to Section 111 of H.R. 10 that we believe help clarify the scope of the Board's deference to SEC examinations, reports and securities law interpretations.
7H.R. 10 does, however, permit the "grandfathering" of certain limited nonfinancial activities of companies that become financial holding companies after the bill's enactment for up to 15 years. See Financial Services Act of 1998 §103(a).
Copyright © 2017 by the Investment Company Institute


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14 November 2007,
New York
Price realised USD 289,000
Josef Albers (1888-1976)
Homage to the Square: Dimmed Look
signed with monogram and dated 'A66'; signed again, titled and dated again 'Study for Homage to the Square: "Dimmed Look" Albers 1966' (on the reverse)
oil on masonite
16 x 16 in. (40.6 x 40.6 cm.)
Painted in 1966.
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This work will be included in the forthcoming catalogue raisonné being prepared by the Anni and Josef Albers Foundation.
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Estate of Joseph H. Hirshhorn, Washington, D.C.
Hirshhorn Museum and Sculpture Garden, Washington, D.C.
Their sale; Sotheby's, New York, 7 November 1990, lot 218
Locksley Shea Gallery, Minneapolis
Acquired from the above by the present owner
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Overall sales hit £2.35 billion ($3 billion) in the first half of the year, with auction sales up by 29 per cent on the e..
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Enjoy free and unlimited local and long-distance calls within Québec between all Videotron telephony customers, without using any minutes of your mobile plan.
Dial 611 to reach the technical support team at any time.
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Yes. Just call Customer Service from your mobile phone by dialling 611.
Are there long-distance fees in Québec with the Call anytime plan?
No long-distance fees apply to calls between Videotron residential or mobile telephone clients. For all other calls,lLong-distance fees will apply according to the usual rules. To find out more and to take advantage of preferential long-distance rates, visit the Long-distance section.
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Price and conditions:
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Costs relating to consumption, in minutes, or additional data usage, charges for long-distance calls and roaming charges are not included. The same applies for costs relating to optional or pay-per-use services.


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PLEASANTVILLE - The Pleasantville and Middle Township high school football teams had opposite offensive philosophies Friday night as they both tried to earn their first win of the season. The Greyhounds ran the ball on all but four plays, while Middle attempted to throw the ball on nearly every down.
Pleasantville's plan succeeded as the Greyhounds scored three first-half touchdowns and ended up with a 28-0 win in the Cape-Atlantic League National Conference. Quarterback Antwan Dixon scored on touchdown runs of 30, 10 and 11 yards to lead Pleasantville, which is now 1-5 overall and 1-4 in the conference.
"It feels great to get our first win," Dixon said. "I'm very proud of our linemen. They stuck to every block and made things easier for me and the other running backs. I didn't expect to play because I took a helmet in the arm (Thursday) in practice and had to get stitches (near the left elbow). But they cleared me to play."
The Greyhounds got up on Middle right away. Dixon (16 rushes for 128 yards) faked a handoff on the third play from scrimmage and ran 30 yards up the middle for the game's first touchdown with just 1 minute, 38 seconds gone in the game. It was a play the Greyhounds would repeat 10 more times, and it also produced the final touchdown with 6:09 left in the fourth quarter.
Pleasantville's other score was on a 2-yard run by Dontaye Smith (9 rushes for 109 yards) with 5:20 left before halftime.
"There was no need to throw tonight because our running game started working right away," Pleasantville coach B.J. Burch said. "Winning tonight was like a weight off our backs. I told the team I was proud of them for sticking it out and getting our first win. Everybody's pretty happy.
"In the second half we played ball control and Middle made adjustments. We didn't have any long runs. We had some penalties and I'll have to get on the kids about that, because in a closer game that could have hurt us."
Middle (0-6 and 0-5) relied on the arm of quarterback Nolan Quinn, but the passing game was ineffective in crucial moments. Quinn completed 9-of-23 passes for 78 yards, but had two interceptions (by defensive backs Kenny Brown and Dixon).
"We had a lot of dropped passes tonight, and with an offense like ours you can't drop the ball," Middle Township coach Lee Chappine said. "Give credit to Pleasantville, they came out and played tough and aggressive. We didn't execute and got outplayed."
Contact Guy Gargan:
Middle Township 0 0 0 0 - 0
Pleasantville 14 7 0 7 - 28
P-Dixon 30 run (kick blocked)
P-Smith 2 run (Dixon run)
P-Dixon 10 run (Green kick)
P-Dixon 11 run (Johnson kick)
RECORDS - Pleasantville 1-5; Middle 0-6.


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Consumer Advisory Council
The Consumer Advisory Council (CAC) is comprised of stroke and brain trauma survivors, as well as family, friends and caregivers. The CAC plans social events for the Center, supports fundraising activities and provides direction to ensure that the Center's programs are member-driven. The CAC also oversees the Caregiver Connection.
Marcus Ades, Co-Chair and member/volunteer
Randy Kernus, Co-Chair and member/volunteer
Laura Kernus (Obradovic), family member
Paul Berger, member
Stephanie Mensh, family member
Russell Borthwick, member
Peggy Brown, member
Thomas Brown, family member
Ike Felder, member
Amy Georgeadis, speech-language pathologist
Judy Presynar, member
Sally Watkins, friend of member
Jim Robinson, stroke survivor
Gwen Flanders, family member
Chris Vincent, member
Lynda Vranek, member
Ric Vranek, family member


text:
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text:
Britain has 'no indication' that France bomb claim correct
Britain's transport minister said he had "no indication" a bomb discovered on a plane in the country was disarmed just 17 minutes before it was due to detonate, in comments to a newspaper Thursday.
Philip Hammond refused to confirm an account by French Interior Minister Brice Hortefeux that one of two parcel bombs found Thursday last week in Britain and Dubai and sent from Yemen was on the verge of exploding.
Both devices were on their way to the United States when they were uncovered, sparking a global scare.
Officials in the French minister's office told AFP he had been referring to the British package, which was found at East Midlands airport in central England.
But asked to confirm the claim by Hortefeux that one of the bombs was disarmed minutes before it was due to go off, Hammond told the Times daily: "No, I can't."
He added: "I don't know if he is referring to the East Midlands device or the Dubai device but certainly I have no indication that that was the intended timing of the East Midlands device."
A Department for Transport spokesman confirmed Hammond had made the comments during a press event earlier Thursday and said there would be no further statement on the matter.
The British interior ministry and London's Metropolitan Police said they would not comment on operational matters.


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My River Island
|My Account
For the free sprits, the minimalists, the denim aficonados
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Kerrie Yeung
Imagine No Boundaries Iollite Medallion
Product Description
Find the freedom to escape the expected by imagining a world without boundaries. Handmade by Kerrie from start to finish in her Brooklyn studio, these medallions combine precious and non-precious materials; tiny Delica seed beads and stone beads are clustered by fine nylon thread. The expert manipulation of the materials gives the medallions their beauty and value, rather than arbitrary definitions of worth.
Product Details:
Silver medallion clustered with iollite, moonstones and seed beads. Surface of medallion is slightly oxidized. Pendant is 2" in diameter, chain is 30" long.
Made in (Maiden) USA


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Customer Segments (CS): Costs Cost-Driven
Fixed Costs Economies of Scale Customer Relationships: Students! Automated services Used Bookstores! Awareness
Purchase Channels Simple.
Stress-free experience Affiliates! Our van: Channels
After Sales Value Propositions: Customization Website (and database) Price Convenience/Usability Key Resources Key Partners Books! Key Activities Tabling for books Database/Inventory Niche Market Revenue Streams Asset Sale Advertising
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C 17, Sawai Jaisingh Highway, Bani Park, Near Jaipur National Handloom, Jaipur, Rajasthan 302016
B-19, Govind Marg, Adarsh Nagar, Hdfc Bank Govind Marg Branch, Jaipur, Rajasthan 302004
GF, Main Queens Road, Vaishali Nagar, 5-10 Veer Vihar, Jaipur, Rajasthan 302012
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Corporate Park, Ajmer Road, Gopalbari, Near Ajmer Pulia, Jaipur, Rajasthan 302006
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P.No. 20, Malviya Nagar, Kalyan Colony, Jaipur, Rajasthan 302017
A-1, Pushp Enclave, Sector -5,pratap Nagar Sanganer, Near Canara Bank, Jaipur, Rajasthan 302033
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Felix Lowe
As the closest Tour in years reaches a thrilling climax, Russia's Denis Menchov looks the pick of the six riders chasing victory
Cricket: Unbeaten 192 from Wasim Jaffer helps team to 352-3 on day one of second Test with Pakistan
Sir Alex Ferguson has slammed the Football Association's decision to sack Steve McClaren so soon after England's shock failure to qualify for Euro 2008.
England coach confident Steven Gerrard will be fit for England's Euro 2008 qualifiers.
West Ham are looking to bolster their frontline with the loan capture of Internazionale's Brazilian striker Adriano.
Stoke skipper Danny Higginbotham is in talks with Sunderland after The Potters reluctantly agree £2.5mi fee.
Alexandre Vinokourov is an idol in his home country, but after a crash last week his chances of winning the Tour de France look slim, says Felix Lowe.
Climate change could mean that Brunel's engineering miracle - the dramatic Dawlish line to Devon and Cornwall - will disappear.
A new book claims that there is enough oil, coal and gas to last the earth at least 500 years - and it doesn't have to be polluting. Environment editor Juliette Jowit reports.
The mercury rose, then came the blizzards. After a record number of deaths from the cold, eastern Europe yesterday saw a relative thaw, only for southern France to get the shivers.
Court cases aim to break the billion-pound global trade in stolen antiquities that end up with wealthy US collectors and museums.
A short history.
Those carefree days of hurtling down the piste at breakneck speed with the wind freezing your face and the powder spraying beneath your feet may be numbered.
'The riots are not only an indictment of political and economic elites for they also tragically undermine the historic failure of our intellectual elites. Distinguished by their arrogant parochialism, they have proved incapable to think about the pluralist nature of French society.'


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Kuwatakan allows one to indulge in calm ambience. The new hot spring has come out, and one can relax there, as well as in our expansive guest rooms, with a spacious bathroom and the bath. This is a reliable hotel at the highlands resort and maintains clean baths and guest rooms as well as facilities for many kinds of sports (a gymnasium, tennis courts, lawn playgrounds, a fishing pond, barbecue and cooking places). Kuwatakan is located in the west part of Sugadaira, in the middle of Nagano.Information missing or incorrect? Tell us!Opens in a new window
Hotel Amenities
Hotel Amenities
Bar/Lounge; Bidet in some rooms; Concierge; Desk; Fitness Center or Spa; Free Parking; Hairdryers Available; Luggage Storage; Meeting/Banquet Facilities; Nightly Turndown Service; Refrigerator; Safe Deposit Box; Shops/Commercial Services; Shuttle Service; Tea Services; Television with Cable; Tennis
- Total number of rooms - 40
- Number of floors - 5
- Bar/lounge
- Meeting rooms
- Safe-deposit box at front desk
- Tennis on site
- Shopping on site
Hotel Policies
Check-in time starts at 15:00:00
Check-out time is 12:00:00
Hotel Name
- Kuwatakan Hotel
- Kuwatakan Hotel Nagano
- Kuwatakan Nagano
- Kuwatakan


text:
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Smartphone and PDA protection
: 25 March, 2009
(New Product)
Steganos provides protection for mobile users with
and privacy software in Privacy Suite Mobile
Steganos has launched Privacy Suite Mobile, a data protection package that quickly, safely and comprehensively protects the privacy of smartphone, PDA and Pocket PC users including private data such as passwords, e-mails and photos.
Steganos Privacy Suite Mobile was shown on Microsoft-based smartphones at the Microsoft booth at this year's CeBIT show with positive consumer reactions. It is available now for £35.95 UKP.
In figures released this month analyst firm Gartner Group stated that global smartphone sales for 2008 reached 139.3 million units, a rise of 13.9 percent on the previous year.
"With an estimated 70 percent of owners of portable devices failing to adequately protect their data against data theft , consumers risk privacy and data loss through mobile devices including smartphones, PDAs and Pocket PCs," said Michael Marzy, CEO, Steganos. "Many users simply don't consider what will happen to their e-mails, texts, photos, movies, and contact details when a portable device gets lost."
It is estimated in the USA alone more than 10 million smartphones and PDAs will be stolen in 2009 - a figure that doesn't even cover the number of devices that are simply lost. With unrestricted access to your information, the person that finds (or steals) a device can inflict serious financial and emotional damage.
The suite has a raft of features and components to ensure protection against unauthorized users. User-friendly and simple to install and use it has intuitive handling, touch screen support, highly secure
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The suite's 'all-in-one' protection guards all data, including e-mails and contacts against unauthorized use with Steganos Safe Mobile which ensures there is no access without a password.
Steganos Shredder Mobile destroys old and previously deleted data permanently, and prevents any retrieval with data recovery software. Steganos Password Manager Mobile creates, encrypts and administrates passwords and login codes. And Bluetooth PhoneLock provides additional smartphone protection against unauthorized users.
Steganos Privacy Suiteâ"¢ Mobile in detail:
* All secured in a data safe. Lock the safe. Safe! - An encrypted virtual safe combined with a password protects documents, photos and movies on smartphones, PDAs, Pocket PCs and memory cards.
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* Fast, faster, fastest: Steganos Crypt & Go - Simply encrypt and decrypt files and folders directly with a password.
* Easy-as-pie password management - Manage all passwords with Steganos Password Manager Mobile. Login data and PIN numbers can be clearly arranged and saved in an encrypted list that's always on hand. Other advantages include user defined categories, password profiles and allow the user to store information about individual passwords.
* Need a secure password? Use the Steganos Password Generator - Create highly secure passwords with special characters, numbers and upper and lower case letters.
* Locks automatically: Steganos Bluetooth PhoneLock - Quick and convenient: A Bluetooth device as a smartphone lock. Once the smartphone is out of range from a user defined Bluetooth device (e.g. a headset), the smartphone locks automatically. Guards against data theft by protecting access to data, phone numbers, e-mails and text messages. A smartphone can be unlocked by a password if the Bluetooth device is unavailable or low on power.
* Fail safe data delete operations? Simply shred them - Steganos Shredder Mobile along with File Shredder and Free Space Shredder destroys unwanted and hidden data fragments quickly. Works also for memory cards.
* Open Sesame - Steganos PicPass - Simply remember a series of pictures instead of a complicated password to open a data safe, Password Manager and Outlook Mobile Safe and data encrypted via Crypt & Go.
* Another dimension to access protection - Steganos PassCube - Smart graphical access protection for smartphones and PDAs. Simply enter a series of pictures through PassCube login and your done.
* Highly secure 256 Bit AES
! - Uses an uncrackable (and world renowned) 256 Bit AES security algorithm to protect data in real time.
Read More News from Steganos
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text:
Lighthouse Credit
Opportunities Fund, Ltd. Class B
The Lighthouse Credit Opportunities Fund is a diversified credit fund of hedge funds investing in a range of strategies and styles for attractive risk-adjusted return through credit cycles. The Fund has a flexible investment mandate to capture debt-like downside with equity-like upside. The portfolio can change significantly as the opportunity set changes to pursue the best risk/reward up and down the capital structure and across sub-strategies and sectors. Approximately 87% of the offshore portfolio is invested through managed accounts (as of March 31, 2014).


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Well, it was almost Brooks week last week, as I suspected. Unfortunately, he's making a name for himself as a non-closer, although this was more of Rod Pampling playing incredibly well than Brooks' blowing a chance to win. The fall swing, in general, has been very good to us. We've been able to target some of the web.com Tour graduates who have come out on fire. Notably, guys like Ryan Blaum, Trey Mullinax, and Ryan Brehm have had strong finishes and are making tons of birdies.
Daily and weekly fantasy sports have become all the rage. Battling it out over an entire season is fun, but sites like DraftKings offer a quicker payoff and big payouts for winners! Not only do they provide daily action in the four major professional sports (MLB, NBA, NFL, NHL) as well as college basketball and football but also the PGA Tour.
Your DraftKings lineup is made up of six golfers you select from within the $50,000 salary cap.
Each week DraftKings offers a wide selection of games to enter at a variety of price points. You can even get a feel for the game in a freeroll contest. Before you put your cash on the line, I'll offer my Top Values and Steals in this space every week, specifically geared to help build a winning DraftKings squad. I'll also give you my Overpriced golfers to avoid and a couple of "Vegas Says…" tips to help you find those players for GPPs.
Tournament Stop
This week, we head to Mexico for the OHL Classic at Mayakoba. El Camaleon Golf Club is the host, and we have plenty of course history to draw upon. The course is an extremely short par-71, with four par-3s and three par-5s. All of the par-5s play pretty easy, so they're going to be that way for all players in the field. All but one of the par-3s plays under 160 yards, so we should see a higher than usual number of par-3 birdies. Because of that, I'm not going to focus on bombers and par-5 scoring, but more on accuracy, par-3 scoring, and par-4 scoring. I think players who hit a high percentage of their fairways (and thus, greens), will be atop the leaderboard come Sunday afternoon. There's a ton of trouble off the tee, including sand dunes, jungle vegetation, and canals that are automatic penalty strokes. And with no ShotTracker this week, prepare for plenty of tilt when the double bogeys pop up on the scoreboard. However, with rain in the forecast this week, players who keep their drives in play will be flag hunting. I'm going to keep targeting birdie-makers with upside, as we should see an absolute birdie fest here this week.
Recent Tournament History
Here is the data we can draw upon for this week's Tournament History:
Finished in the top-20 each of the last three years: Jason Bohn.
Finished in the top-20 in two of the last three years: Scott Brown, Charles Howell III, Johnson Wagner, Jason Kokrak, Will MacKenzie, Peter Malnati.
Current Form Review
Each week, we'll take a look backward at the last three tournaments on the PGA and European Tours. I've included the top-20 from each of the past three events, and highlighted the players in this field:
Statistical Report
Birdie or Better % (BoB%):
There are not many weeks where we aren't going to target birdie or better percentage because that's what fantasy golf scoring is all about. Guys like Jon Rahm, Emiliano Grillo, Tony Finau, and web.com Tour graduates Grayson Murray, Ryan Blaum, and JT Poston comes to mind in this week's field when targeting birdie-makers. It's possible to have a player finish top-10 in fantasy points while not finishing anywhere close to the top-10 in the actual event.
Good Drive Percentage (GD%):
You can target driving accuracy alone, but I also wanted to target some distance metrics, as distance (when drives are straight) is a huge advantage anywhere. As mentioned, the rough/hazards off the tee can be very penal, so keeping the ball in play off the tee is essential. Certain bombers can overcome bad drives because they hit it far enough that they'll have wedges in their hands anyways. And shorter hitters will still pop in this stat because they hit a ton of fairways. Some names in the field that pop from 2015's GD% rankings are Chez Reavie, Kevin Streelman, David Hearn, Webb Simpson, and Jason Bohn.
Par 4 Scoring (P4):
This week should be a birdie fest for the players, and as mentioned, there's an extra par-4 on the course. With almost the entire field able to reach par-5s in two and the par-3s playing easy, the par-4 performance will set players apart from the rest of the field. Some of the names I mentioned above (Chez Reavie, Jason Bohn, and Webb Simpson) also check this box. Another thing that's great about par-4 scoring is that we have data on the new web.com Tour players. C.T. Pan, J.T. Poston, Grayson Murray, and Martin Flores are all elite par-4 scorers from the web.com Tour who are in the field this week.


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These fun apartments exude a sense of relaxation. The apartments are situated inside the grounds of the Club Marthas Complex and guests get to benefit the best of both the extensive facilities available in the lively Club Marthas but a less hectic setting away from the main block. The comfortable accommodation will make you feel at ease right away plus theres the bonus of being within walking distance of the charming marina where theres a selection of bars shops and restaurants and the Cala Egos Beach is a short stroll away. If you feel like getting out and about why not hop on the mini train which stops close by to the apartments and venture into Cala Dor. Guests are welcome to use all the facilities at Club Marthas.
Use of facilities at Club Marthas:
Swimming pool
Heated indoor swimming pool April May
Meals and Drinks:
All meals
All activities at Club Marthas: Tennis court
Table tennis
Olympic 5 aside football Basketball Waterpolo Bicycle hire
All entertainment is at Club Marthas
Regular day
For Children:
All childrens facilities are at Club Marthas
Separate swimming pool
Club Molly Hotel kids clubs 412 and 1316 years
Chico adventure park 210 years
Archery for kids
Pool games
5aside football
Activities including face painting
Entertainment for all ages including shows and fancy dress
Day and evening babysitting available on request
One bedroom apartment for up to 4 adults consists of
Twin room
Lounge with sofa beds
Bath shower and wc
Satellite TV for hire from reception
2 cooking rings
Electric kettles toasters aaand safe for hire from reception
Balcony or terrace
Key Facts:
Beach: 300 metres
Resort: 100 metres
Supermarket: 200 metres
31 apartments
Child age: 216 years
Map reference: C6
Official rating: 3 key
Note: :Some facilities and activities may incur a local charge
Es Bolero Apartments
Avinguda Parc de la Mar 4
Cala dor
Santanyi 07660
Santanyi. Baleares
34 971 657 144


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text: Saint-Apollinaire is a town of about 4500 people in eastern Quebec. PlayersEdit Philippe Boucher Retrieved from "http://icehockey.wikia.com/wiki/Saint-Apollinaire?oldid=72194" Ad blocker interference detected! Wikia is a free-to-use site that makes money from advertising. We have a modified experience for viewers using ad blockers Wikia is not accessible if you've made further modifications. Remove the custom ad blocker rule(s) and the page will load as expected. Categories: Canadian towns Add category Cancel Save


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Good News in History, August 14
Happy 50th Birthday to actress and producer Halle Berry. Named after Halle's Department Store in her birthplace of Cleveland, Ohio. The former model and beauty pageant contestant became one of the highest paid actresses in Hollywood. Her performance in the 2001 independent film "Monster's Ball" made her the first woman of color to receive the Academy Award for Best Actress. She also won an Emmy and Golden Globe for her role in the self-produced television film "Introducing Dorothy Dandridge." WATCH an interview… (1966)
To celebrate her birthday milestone, the single mother of two told a magazine last year that she planned to take her "five best girlfriends" to a Caribbean island for a bonding spiritual cleanse.
MORE Good News on this Day:
- U.S. Social Security Act was signed into law by President Franklin D. Roosevelt creating unemployment insurance and pension plans for the elderly (1935)
- President Harry S. Truman announced that Japan had surrendered unconditionally, ending World War II — a moment that led to the famous VJ Day kiss in Times Square, New York between a uniform-clad sailor and a nurse, captured on film by photographer Alfred Eisentaedt (1945)
- Pakistan became independent of British rule (1947)
- Bahrain declared its independence from United Kingdom (1971)
- Lead was banned from children's toys by the US government one year after Mattel recalled millions of lead-tainted toys made in China (2008)
On this day in 1980, Lech Wałęsa led shipyard workers in Gdansk, Poland, in a successful strike to protest the dismissal of activist worker Anna Walentinowicz. Part of a growing campaign to gain political freedom and improve economic conditions for Poland's labor force, the 16,000 workers secured Miss Walentinowicz's swift reinstatement and then elected her to the workers' committee to negotiate with the Polish authorities and shipyard management.
And, happy 71st Birthday to the musician, actor, comedian Steve Martin, who, according to Comedy Central, is the 6th best stand-up comic of all time. On top of five Grammys, an Emmy Award and Kennedy Center Honor, he just learned he would receive the International Bluegrass Music's Distinguished Achievement award for his bluegrass albums and musicianship. He has played banjo since he was a teen and often incorporated it into his comedy acts. Conan O'Brien once quipped, "He's such a fine musician that he's the first man in history to inspire the phrase, 'Hey everyone, quiet down, I'm trying to hear the banjo.'" (1945) –Photo credit: Highline Ballroom CC


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Barry and Shirley showed us true Kiwi hospitality. They were great resources of where to eat and what to see. Stunning views of lake and mountains from the living room. Our room with a king bed was roomy and very comfortable. We were the only...More
Getting you more information on this room
Getting you more information on this room
"Just two rooms, both on view side and equally nice. Shared spacious bath."
"Both rooms are of equal amenity. Remember that the one good bath is shared by the two guest rooms."


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Torver, CONISTON, Cumbria, LA21 8BP Grid Ref: SD 281957
Tranearth Hut lies in a secluded location a short distance outside Torver (nearest parking is 1km away by foot).
The hut offers easy access to the Coniston, Seathwaite and Dunnerdale Fells, providing a variety of options for climbing, walking and mountain biking. Nearby attractions include The Old Man of Coniston, Dow Crag.
The hut consists of a converted two-storey barn and a nearby cottage, the two linked by a single storey kitchen. The barn (which is entered first) has a large cosy common room heated by a solid fuel stove. Upstairs there are bunks for about 20 people, two showers, two toilets and washbowls. Care should be taken using the upper bunks (up to three layers). The kitchen is large and well appointed with professional-standard stainless steel worktops, storage for food, two large fridges (with ice boxes), microwave, two stoves, automatic washing machine, kettles, toasters, crockery, pans (including a few very large for parties), and cutlery. In the cottage are found a drying room with electric heater and dehumidifier; women's shower and toilet; additional unisex shower and toilet. Upstairs are two cosy dormitories with two tier bunks accomodating 12 and the private LC&CC members' room. Heating for the dormitories and washrooms is by night storage heaters which are on continuously in winter. Fire security is good, with a modern sophisticated warning system with emergency lighting and ground level fire exits from the upstairs dormitories. Behind the hut is a lean-to (former coal shed) which could be used for up to about 3/4 bikes and it is lockable (and locked). Key can be made available on request.
Groups only. Sorry no pets allowed. No vehicular access – approx. 1km. walk from car park to hut .
Please note that the hut contains a small members room, for exclusive use by LC&CC members at any time. This means that the hut is not 100% guaranteed for exclusive use.


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3 Min Read
* FTSE 100 index adds 0.1 percent * Unilever's "stellar" results lead index up * BHP gains after boosting iron output * Most UK, U.S. firms meeting or beating expectations By Alistair Smout LONDON, Jan 23 (Reuters) - Britain's top share index rose on Wednesday with strong earnings from Unilever marking a positive start to the full-year results season. The global consumer goods firm alone provided almost three points of a seven point gain on the FTSE 100 index , its 2.7 percent rise in strong volume leading blue-chip gainers. Unilever earlier reported underlying sales growth of 6.9 percent for 2012, beating forecasts of 6.5 percent, propelled by double-digit growth in emerging markets. "They've put in a stellar set of results," Basil Petrides, trader at Hartmann Capital, said, although with the stock at all-time highs, he was looking for a dip before buying. At 1132 GMT, the FTSE 100 index was up 6.86 points, or 0.1 percent, at 6,186.03 points. Ex-dividend factors clipped 1.97 points off the index, with contractor caterer Compass Group and utility Scottish & Southern Energy both trading without entitlement to their latest payouts. BHP Billiton also lent strength after posting results, up 1.1 percent and providing 2.4 points of the index's gains. The global miner boosted iron ore output by 3 percent in the December quarter, racing to supply more of the raw material to Chinese steelmakers despite signs of a softening market. BHP's advance helped to lift the heavyweight mining sector to gains of 0.3 percent. This week has seen the earnings season - already well under way in the United States - start in earnest in Europe. In the U.S. so far, 68 percent of companies have met or beaten expectations, with 61 percent of UK companies at least meeting expectations. The Standard & Poor's 500 index rose to a fresh five-year closing high on Wall Street on Tuesday after Google and IBM posted encouraging results. "We're still in a bull market on the FTSE. All the focus is on the U.S. earnings, which have been surprisingly good, and that's what's driving the markets at the moment, with decent earnings from the UK supporting sentiment as well," Fawad Razaqzada, market strategist at GFT, said. "There is no reason that the market should be going down at this stage." Global stocks were also supported after Republican leaders in the U.S. House of Representatives said they aimed to pass a bill to extend the U.S. debt limit on Wednesday. The White House said this would remove uncertainty about the issue, although Razaqzada said that while the move was supportive, some sort of a deal to avoid catastrophic default was already priced in. (Additional reporting by Sudip Kar-Gupta and Jon Hopkins; Editing by John Stonestreet)


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Baywatch Slot Machine
From 1989 to 1999, the sexiest lifeguards in the world protected southern California's beaches. The hit TV show Baywatch starred David Hasselhoff, Pamela Anderson and dozens of lifeguards who saved women, children and helpless young men.
Baywatch became an international phenomenon. Was it the intricate storyline or the low bikini lines? When the show's run ended, Baywatch Hawaii extended the brilliance for another two years. Over a decade later, we are blessed to have a Baywatch slot machine!
Baywatch Rescue is a 5 reel, 30 payline online slot machine featuring more scantily dressed blondes than you'll ever see in a game. There are more features in this game than in the TV show! There's a Speed Boat Wild, special free spin icons with multipliers up to x100 and an 8 level progressive jackpot.
Baywatch Jackpot Symbols
The lifeguard hut is the biggest paying regular symbol - worth 1,000 coins when matched 5 times. Match 5 Pamela's for 750 coins and match 5 Hasselhoff's for 500. The Brunette Babe is worth 500 coins.
There are TWO wilds in the Baywatch slot machine. The Wild with the sun in the background is the first Wild Symbol. It substitutes for all symbols except the scatter and does not appear on the 2nd reel. The second is the Speed Boat Wild. It only shows up on the 3rd reel and after an animated sequence reveals hidden wilds.
The Red Lifebelt is the scatter symbol. When it appears anywhere in the reels during normal play, its value is multiplied by your total stake and distributed with the 3 personal progressive cash pots. When 3 or more scatters appear anywhere on the reels, you've earned your way to Baywatch Free Spins.
Baywatch Bonuses!
Match Pamela for 1,000 coins!
Two Types of Wild Symbols!
Scatter leads to 3 Progressive Jackpots!
Lifeboat Wild reveals Hidden Wilds!
B-B-B-B-i-g Babe Bonuses!
You'll be getting lucky more than you think on the Baywatch online slot machine. With two Wild Symbols, you'll max'ing out your winnings! The SpeedBoat Wild is especially cool to land and you'll enjoy a lot of bonus winnings.
Every time you land a Lifeboat Scatter, you collect another chance to win your way to 1 of 3 Progressive Jackpots. If 3 or more Lifebelt Scatters appear at once anywhere on the reels, you've won 12 free spins! During free spins, you can win up to a x100 multiplier if you match 5 of the right symbols!!
There are 3 special Free Spins Symbols - a boy, man and woman in the water. They only appear during free spins. The more Free Spins Symbols that show up, the more your multiplier for that spin. It ranges from x2 to x100 - with a bunch of x60 and x80 multipliers in the pack!
Massive Multipliers!
Win 12 Free Spins!
Get a x100 multiplier during Free Spins!
Lifeboat Scatter leads to 3 Progressive Jackpots!
Even the x60 and x80 multipliers are worth it!
Pamela's 8 Level Progressive Jackpot!
Pamela must have a twin sister who is a professor, because this Progressive Jackpot has many levels of complexity! Every time you land a Lifeboat Scatter Symbol, you are collecting rights to a better Progressive Jackpot.
There are 3 Progressive Jackpot Winning Symbols - the Rescue Child, Rescue Woman and Rescue Man. You need to complete a minimum of 8 levels (by landing 8 Lifebelts) to win the Rescue Child Jackpot. The Rescue Woman Jackpot will cost you 4 levels and the man takes 3 levels to win.
The Baywatch developers did a great job in coming up with the 3 Progressive Jackpots. Collecting Lifebelts and saving a man, woman and child is the perfect way to earn your way to 1 of 3 Progressive Jackpots.
High Level Progressive Jackpots!
3 Progressive Jackpots!
Collect Lifebelts for a bigger jackpot!
Rescue a child for an unforgettable Progressive Jackpot!
Jackpots and multipliers go great together!
Baywatch - For the Winnings!
The Baywatch online slot machine game is impressive. We expected simplicity and the game surprised us with intricate game play. Pamela Anderson and the 8 level Progressive Jackpot - for the winnings!
The graphics in the game are sunny and bright - its like watching a Baywatch cartoon. We liked seeing Pamela and Hasselhoff a lot in the game. The free spins with the massive multipliers were a great addition. One of us spinned for the x80 multiplier while we were testing it out!
The only thing cooler than raw nostalgia is nostalgia with 3 Progressive Jackpots! Free spins, multipliers and jackpots are the bread and butter of slot games and Baywatch has them all!


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As widely anticipated, the EU has approved measures for the additional export of 700,000 MT of out-of-quota sugar.
THIS REPORT CONTAINS ASSESSMENTS OF COMMODITY AND TRADE ISSUES MADE BY USDA STAFF AND NOT NECESSARILY STATEMENTS OF OFFICIAL U.S. GOVERNMENT POLICY Voluntary Public - Date: 12/1/2011 GAIN Report Number: E60071 EU-27 Post: Brussels USEU EU approves extra-ordinary market measures for sugar for MY 2011-12 Report Categories: Sugar Approved By: Maurice House Prepared By: Yvan Polet Report Highlights: As widely anticipated, the EU has approved measures for the additional export of 700,000 MT of out- of-quota sugar, as well as the release of 400,000 MT of out-of-quota sugar onto the EU market. In addition, the EU is providing for reduced-duty sugar import tenders for EU sugar refiners, in a move to replenish depleted ending stocks of quota sugar at the end on MY 2011/12. General Information: As already forecast in the 2011 EU semi-annual [1] GAIN report, the EU 2011 sugar beet harvest is yielding a record sugar production of 19 million MT in raw sugar equivalents, of which 5 million MT is out-of-quota sugar. This bumper crop is making it difficult for the EU to encourage sugar imports, while the EU food industry is depending on such imports to supplement the 14 million MT EU quota sugar at its disposal. Continued lower than normal EU sugar imports because of high world prices are leading to supply constraints. During MY 2010/11, the EU took extra-ordinary measures to mitigate similar supply problems in the EU food market and had anticipated also doing so in MY 2011/12. Also during this marketing year, the EU is providing tools for the discharge of the excess out-of-quota sugar for exports as well as into the EU market. On Thursday 24 November, 2011, the EU Management Committee (Mancom) approved three sugar market management measures as proposed by the European Commission (EC). 1. The EC is opening an additional 700,000 MT quota for out-of-quota sugar exports, thereby reaching its 1,350,000 MT WTO export limit for MY 2011/12 on top of the 650,000 MT export quota opened at the beginning of the marketing year. The new export licenses will be available from December 1, 2011. 2. The EC will offer sugar processors the possibility to release up to 400,000 MT of out-of-quota sugar onto the internal market at the reduced levy of €85/MT, as made possible by Commission Regulation (EU) No 222/2011 [2] issued March 3, 2011. The normally levy that processors must pay is €500/MT. 3. The EC will also open sugar import tenders at reduced duty. The first three tenders for raw sugar for refining in December will open to full-time refiners only. Further tenders for importing raw sugar for refining will open to all operators in 2012. However, at the Mancom meeting, the EC did not receive a qualified majority vote for this measure and therefore has the option of implementing it on its own authority. The last two measures are deemed necessary to increase ending stocks for MY 2011/12 to an acceptable level of about 2 million MT, up from the current forecast ending stock of around 1.2 million MT. The first measure is meant to allow EU sugar processors to sell excessive out-of-quota sugar on the world market, benefitting from the still high world market sugar prices. After the meeting, Agriculture Commissioner Dacian Ciolos commented in support of his proposal to abolish the sugar quota regime: "On top of the cyclical market aspects, the sugar market situation observed in the EU today again shows the limits of the quota mechanism and its structural shortcomings...Quotas are now preventing producers from fully benefiting from the competitiveness achieved in recent years both on the EU and the world market". [1] http://gain.fas.usda.gov/Recent%20GAIN%20Publications/Sugar%20Semi-annual_Brussels%20USEU_EU-27_10-6- 2011.pdf [2] http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=OJ:L:2011:060:0006:0009:EN:PDF


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The Ghost Riders is a Red Dead Redemption posse.
About the posse
There's no messin round when we mess around. Bringing the best of the west together. Nothing can escape The Ghost Riders. HammerOjustice sharp shooter and 1911 expert the best shooter this side of the anywhere, Slack117 get away driver when he's not getting the posse the hell out of dodge he's riding with his shotgun but don't be fooled he's deadly fast in a gun fight, 0 gun priest 0 the scout best hunter and trapper you'll see good with any rifle, Shopalopa dynamite pro throws straighter than he can shoot (thank God), Psykosonyk fire bomb tech not bad with most guns he puts the fire in firefight, Johnsticle diversion expert and ambush expert watch your ass when this hombre is around he knows how to flank you faster than a jack rabbit on a skillet on a hot summer day.
Joining the posse
Hammer & Slacker
- Leader 1 Slack117
- Leader 2 HammerOjustice
Other members
- Member 1 0 gun priest 0
- Member 2 Shopalopa
- Member 3 Psykosonyk