text: On Fri, Nov 22, 2002 at 01:29:57AM -0800, Michael Cardenas <email@example.com> was heard to say: > In response to all the emails on debian-boot saying "how can I > help?", "what needs to be done" and "where do I start?", tollef and I > put together a simple home page for the debian-installer project. > > It can be found here: > > http://people.debian.org/~mbc/di.html > > Feel free to direct people here. We should probably update > http://www.debian.org/devel/todo/ with this new url, as well. Why not http://www.debian.org/devel, under "Projects"? Daniel -- /-------------------- Daniel Burrows <firstname.lastname@example.com> -------------------\ | Who is General Failure, and why is he reading my hard drive? | \------------- Got APT? -- Debian GNU/Linux http://www.debian.org ------------/


text:
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subset: commoncrawl


text:
ThemeForest Saltkin Responsive Bootstrap 3 Admin Template 7783566
Site Template \ Admin Templates
Responsive \ Schemes \ Postprocessing \ Bootstrap \ Dashboard \ Saltkin
Site Template - Saltkin Responsive Bootstrap 3 Admin Template 7783566 by karlomikus @ ThemeForest
Site Template \ Admin Templates
Saltkin is a responsive admin dashboard template based on Bootstrap 3 framework. It's well organized, includes 7 color schemes and it's made using SASS postprocessing language for easy maintenance and accessibility.
Saltkin offers a variety of layout options and it's fully responsive and HTML5/CSS3 compliant.
- Bootstrap 3
- Modern flat design
- Responsive
- 7 Color schemes
- Dynamic sidebar
- SASS Postprocessing
- Custom layouts
- Additional plugins
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Last Update: 26 May 14; Compatible Browsers: IE9, IE10, IE11, Firefox, Safari, Opera, Chrome; Compatible With: Bootstrap 3.x; ThemeForest Files Included: HTML Files, CSS Files, JS Files; Columns: 2; Documentation: Well Documented; Layout: Responsive.
Kato - Responsive Admin Template.
Keywords: admin, color, dashboard, flat, project, saltkin, sass, skin, ui, webapp, widget.


text:
Patrick Dempsey plays a teenager earning some extra cash on the side by delivering pizzas. He earns extra cash on the side of this by delivering his energetic young body, on a plate as it were, to a gaggle of monied, desperate housewives.
A nerdy pizza takeout boy earning his college fees by delivering extras to neglected Beverly Hills wives may sound truly painful to behold. This absurd trifle, however co-written by two women and a man and directed with the affectionate touch of Crossing Delancey's Joan Micklin Silver does have a considerable degree of charm.
Teen wet-dream comedy meets above-average middle-aged bedroom farce as puny pup Randy (Dempsey) attracts Barbara Carrera and is passed on to a circle of well-heeled women, among them Kirstie Alley and Carrie Fisher. Meanwhile, Randy's parents (Jackson and Ginty), girlfriend, customers' husbands and pizza parlour pals are swept into an increasingly entertaining, quite insane tornado of misunderstandings, coincidences, assignations and chases. The first half is a tad laboured as the more predictable developments are laid out, but the more frenzied farce that ensues has its moments and Sean Penn lookalike Dempsey is particularly engaging as he throws himself enthusiastically into his How To Please Women self-improvement programme.
Powerhouse cameos, just enough sauce and extra anchovies that no one will be complaining about.


text:
The 1.4x teleconverter (also known as a tele-extender) will multiply the focal length of the existing lens by 1.4x, and will cut back the amount of light by one f/stop. For example, using a 1.4x teleconverter with a 300mm lens will effectively increase the focal length to 420mm. A lens set to f/2.8 will now be f/4.
This teleconverter is not recommended for lenses wider than 90mm, e.g. 50mm, 28-105mm, etc. However, full AF operation is still only possible with lenses with open aperture of f/2.8 or brighter. Please be aware that AF will work properly only if there is enough light and contrast on the subject to activate the camera's AF sensors. Manual focusing is recommended when using lenses with smaller open f-stop value than those given above.
Magnification 1.4x
Lens Elements/Groups 5/4
Length 0.7" (19mm)
Diameter 2.7" (68mm)
Weight 4.6 oz (132 g)
Packaging Info
Package Weight 0.5 lb
Box Dimensions (LxWxH) 3.0 x 3.0 x 2.8"
$ 2,199.00 $ 2,099.00
Canon EF 100-400mm f/4.5-5.6L IS II USM
The EF 100-400mm f/4.5-5.6L IS II USM lens delivers a superb combination of cutting-edge performance, compact construction and brilliant resolving power that's great for sports and wildlife photography. The lens features one fluorite and one super UD element to help provide impressive contrast and resolution with reduced chromatic aberration across the entire zoom range. Canon's new Air Sphere Coating (ASC) helps significantly reduce backlit flaring and ghosting, while fluorine coatings on the front and rear lens surfaces help lessen smears and fingerprints. A 9-blade circular aperture renders beautiful, soft backgrounds, and a 3 mode (standard, panning and exposure only) Optical Image Stabilizer provides up to 4 steps* of image correction. The new inner focusing AF system helps ensure fast and accurate focus down to 3.2 ft. with a .31x maximum magnification. Usability enhancements include a rotation-type zoom ring with adjustable zoom torque for more precise, customizable zoom performance, a redesigned tripod mount that can be attached and detached without removing the lens from the camera, and an all-new lens hood with a side window that makes it simple to adjust specialty filters-like polarizers-without the need to remove the hood. Ruggedly constructed with advanced dust and water sealing for durability in a range of environments, the EF 100-400mm f/4.5-5.6L IS II USM lens is a stellar performer with refined controls for a wide variety of situations.
*According to CIPA standards (400mm focal length, when using the EOS-1D X).
† Prices and specifications subject to change without notice.
$ 1,699.00
Canon EF 100-400mm f/4.5-5.6L IS USM
L-series super telephoto zoom lens equipped with an Image Stabilizer. The fluorite and Super UD-glass elements largely eliminate secondary spectrum. The floating system also ensures high picture quality at all focal lengths. The Image Stabilizer has two modes and it is compatible with Extenders 1.4x II and 2x II.
$ 499.99
Despite the large maximum aperture, the lens remains compact. Lens group 5 moves for rear focusing, and sharp, crisp pictures are obtained at all apertures. The background blur is ideal for portraits. The USM auto focuses the lens quickly and quietly.
General Information:
Manufacturer: Canon, Inc
Manufacturer Part Number: 2518A003
Manufacturer Website Address: http://www.usa.canon.com
Brand Name: Canon
Product Line: EF
Product Name: EF 100mm f/2 USM Standard & Medium Telephoto Lens
Product Type: Lens
Technical Information
Lens Type: Telephoto
Fixed Focal Length: 100 mm
Maximum Aperture Fixed: 2
Filter Attachment Diameter: 58 mm
Lens Construction: 8 Elements in 6 Groups
Maximum Angle of View: 24°
Physical Characteristics
Depth: 2.9"
Diameter: 3"
Application/Usage: Camera
Canon EOS Cameras
Limited Warranty: 1 Year


text:
To print: Click here or select File and then Print from your browser's menu.
--------------------------------------------------------------------------- © 2011 - 2016 Bali Discovery Tours, All rights reserved. This message originated from http://www.balidiscovery.com/ Find it online at http://www.balidiscovery.com/messages/message.asp?Id=10507 ---------------------------------------------------------------------------
(4/6/2014) The appearance of as many as 4 suspected rabies cases among Bali's human population in 2014 means that Bali will fail to meet its target of being rabies-free by 2015.
While Bali managed to go for almost a year without a new case of rabies case among its human population, the recent re-emergence of rabies infections and at least two fatalities in Buleleng, North Bali mean the earliest that Bali can now be free of the disease is 2016.
After decades of being rabies-free, the dreaded disease appeared again in Bali in 2008 and has claimed an estimated 147 victims since then.
In 2014 there have already been four cases of suspected rabies among residents of Bali and a large number of confirmed cases in the canine populations.
Health authorities bemoan the low level of public understanding and cooperation in with the governent in combating the disease, chiefly among villagers reluctant to have their animals vaccinated against rabies.
Related Articles
A Pet Project
A Hair of the Dog
Death Stalks the New Year


text:
The guy I liked texted me asking how I was, I replied back with "good how've you been, miss me?lol " and then he just didn't reply back at all. why do you think he didn't reply back at all/how do you think he took it? Does it mean he's just not that interested and I should just take the hint
Most Helpful Girl
maybe he wasn't sure how to reply oo the miss me part00|00|0


text:
Ever find yourself in the awkward position of needing an extra roll but they're out of reach? Even more awkward is hearing your guest call out from the bathroom, "Hey, we need more TP in here!" Well, no more! With the CutieDevil Toilet Paper Holder, you can always have that spare roll right there where it's needed, without taking up extra space. These attractive bathroom accessories are handmade to match many bathroom color schemes and fit most typical brackets. Come back often since we're adding new colors and patterns all the time. Don't see the color you're looking for? Send us a note.
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I am about level 10 outside limsa. Does anyone know a good place to grind exp for level 10 and beyond and what to kill? I leveled from 8-10 southeast of limsa. Kill any of the sheep in this area.
Watch out for the big guy, he agros and will kill you in one hit. The guy in front of me wasn't paying attention and got smacked a few seconds later.
Edited, Sep 7th 2010 4:23pm by Parsalyn
Edited, Sep 7th 2010 4:24pm by Parsalyn


text:
Jamaine Johnson
* * * * *
Jamaine Johnson on Smashwords
Copyright © 2012 by Jamaine Johnson
Smashwords Edition License Notes
This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each person you share it with. If you're reading this book and did not purchase it, or it was not purchased for your use only, then you should return to Smashwords.com and purchase your own copy. Thank you for respecting the author's work.
* * * * *
I pulled the woman onto the shore but she was already dead. The damn dog wouldn't stop barking. Later I would think the dog was crying hysterically. He as well as I had just survived a plane crash. My first thought was this couldn't be happening. People were floating in the ocean and some upon the shore. There wasn't an airplane in sight, only the back part of the fuselage I could see sticking up out of the ocean and scraps of metal scattered all over. The dog kept crying which kept me from shock. I think I ran back down to the edge of the shore to save as many people I could but the first couple were dead. So I swam out yelling as I went for the survivors to come to me. They must couldn't have heard me. No one came. I spent the entire day looking for survivors. When the sun began to kiss the horizon I came out of the ocean drenched. I knew I needed shelter. I staggered further onto the land. I wasn't sure if it was an island I hadn't seen any land on board. I had taken the red-eye from Paris to New York. We had been in flight for a few hours when the plane seemed to plunge downward like the Seat of Doom at Magic Springs. There were many bodies still in the ocean, floating further out into choppy waters or washing up onto the shore. They were all dead. I was sure of it. The dog and I slept in a grove of bushes. I woke with the sun and went back down to the shore to search for survivors. Buzzards had invaded the area. Feasting on kids, men and women. I charged at them screaming and yelling to get outta here. I sat down for a moment and thought I should bury the bodies that would at least stop the buzzards from eating them while they were dead but that would take all day. I could see ten or more bodies now. It seemed there had been more than that before I had slept. Maybe the tide had washed some out into the ocean. I figured rescue would be on the way soon. Communication had to have been lost when the plane went down and that was many hours ago. After looking out into the ocean seeing nor hearing anything but birds I decided to venture off to explore but not too far just in case a rescue team appeared. I made my way through the trees. They weren't very tall. I kept hoping to see some bananas or some coconuts, hell anything edible but I did not. I kept walking straight with the ocean to my back. I'm not sure when but the dog had finally come back and was padding along beside me. I had completely forgotten I wasn't alone. Would he know not to drink salt water? This was bad. I walked for what seemed like an hour, not really thinking just walking. One hour turned into two, two to three until I decided nothing was here and I would turn back. I peered up into the sky. There was not a sign of rain. It couldn't get any worse could it? As far as I could see there was an endless supply of trees in front of me. There did not seem to be any break of any sort up ahead. As we turned back I began talking to the dog. It had a collar around its neck. I bent down and took a look, it read Mischievous. I talked of my desire of asian women, however I did love my girlfriend of three years even though she wasn't asian and had grew up in a housing project in Little Rock, Arkansas. She had grew up around drunks, child molesters and crack heads that would steal you a cd player from Wal-Mart for five dollars. It was a hard life like many others experienced every single day. I spoke of my desire to finish college and receive my bachelors degree in Computer Science. After about thirty minutes I was sure we were lost, everything looked the same.


text: James of Ireland (October 5, 1838 - November 17, 1922), sometimes styled as James I of Ireland or James III, was the last King of Ireland, taking the throne in 1859 following his cousin Patrick II's overthrow in a popular revolution until he abdicated the throne on November 1, 1874, three months after his only son and heir, John, died. The last surviving member of the McDean family that had been supported by the French Empire, James was a reluctant monarch who eventually elected to retire to his rural estate instead of remain king, allowing the piecemeal nobility to debate whom would replace him. Following his abdication, James spent a decade in rural Ireland before moving to London, where he lived out the rest of his days.


text: Here are the contributions we've received so far: JavaFX Logo - Centigrade JavaFX Logo - 3D Retrieved from "http://jfx.wikia.com/wiki/JavaFX_Logo?oldid=3156" 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: Add category Cancel Save


text:
A Virtual Museum of Erotic Art & Sapiosexual Inspiration from around the World!
Hundreds of beautiful sensual art works and classical erotic texts and teachings from across the globe for your education and inspiration!
World Art Erotica is a virtual museum that promotes erotic art as part of our multicultural heritage. Humans everywhere make love. No matter what race, creed or culture. It is the celebration of this fact that led to the creation of World Art Erotica. Through art and literature we show the universal human desire to celebrate and portray images of intimacy.
There is something liberating in seeing our ancestors making ecstatic love. It helps us feel less ashamed for having the same carnal desires. In doing so, perhaps we also become a little more tolerant of the different forms human sexuality can take.
We welcome you to become a Member of World Art Erotica. Unlike 'normal' museums, Members receive full access to view and download, images from the World Art Erotica Museum collection.
a) Royalty-Free Erotic Art!
b) Sexual Equalism. Make a living from moral, ecofriendly and people friendly sexual business practices aka Sensual Enterprise!
Entrance to the Sexual Equalism site included with Membership.
An online instructional photo guide of sensual yoga asanas designed for couples.
Kama Sutra Yoga shows the sensual connection between yoga and sex through loving tantric yogic postures.
Kama Sutra Yoga is included with your World Art Erotica Membership.
World Art Erotica
© Copyright World Art Erotica All Rights Reserved


text:
S/O to this kat from East London who's content may come to you in a very strong way but don't be shook, he paints the picture of his bars in a very clean way. The simplicity of the beat gives it a very well finish. Make sure you vote
Tag: FadeOrange
Total 1 Post


text:
|Nicholas Kao Se Tseien
January 15, 1897
Foochow, Fukien, China
December 11, 2007 (aged 110)
Hong Kong
|Catholic priest
Nicholas Kao Se Tseien, Chinese: 高師謙 (January 15, 1897 – December 11, 2007)[1] was a Chinese Catholic priest living in Hong Kong who was both the oldest Catholic priest in modern times and the oldest ever person to have had a cataract operation.
In 2007, he celebrated his 110th birthday, and, in doing so, he reached supercentenarian status. He was, from October 13, 2007 until his death, the second-oldest man in Asia and the seventh-oldest man in the world.
Born in Fuzhou, Fujian province, Kao, one of four brothers, converted to Roman Catholicism at age 18 while attending a school run by Spanish Dominican friars. Although trained as a teacher and studying law at night, he ultimately decided to become a priest.
His clerical life brought him from China to Taiwan, Malaysia and, finally, Hong Kong. He was a priest in Our Lady of Joy Abbey (Trappist Haven Monastery) on Lantau Island for more than 30 years.
See also
External links
- An interview by The Standard, October 8, 2005
- (Italian) Reportage at Vatican Radio, January 18, 2007
- Kao's photo on The Standard


text:
ITC Maratha Sheraton, Mumbai
ITC Maratha Sheraton Details
ITC Maratha is one of the premier 5star hotels which has etched its name and fame for ambiance and rich culture since ages. Warmth coupled with hospitality makes the stay at the hotel a memorable and indeed a majestic one. The various cuisines, accommodation and recreation facilities at the hotel are beyond comparison.
It is inspired by Maratha dynasty, and the Maharashtrian culture is very much felt in the hotel's atmosphere. The architecture of the hotel, specially the doomed roof being the most distinct of all has captured the history of Mumbai along with European essence. The luxurious business hotel is easily accessible from the airport.
The interior decoration is a fusion of contemporary with history. Each floor theme differs from one another which are based on Ajanta sculptures, Chitrakatha drawings, Warli tribal art, tantric art forms, framed coins and exquisite jewelery impressions.
Amidst other exclusives, the reputation of ITC Maratha rests on the award winning cuisines and beverages from Indian, Continental, East and South East Asian traditions. Despite of the modern approaches, it does not lag behind being responsible towards nature as it extracts 80% of power from renewable sources.


text:
With SteamActiv beads uses the pore-opening power of steam, right in your shower, to penetrate deeply into pores, locking on to dirt, oil and makeup and then washing it away. Leaves skin clean and deeply refreshed all day.
Average Price: $9.95
I actually bought this because I had a coupon and I was out of facial cleanser. This really works well. I lke the way it feels when it's on. It's kind of a cool feeling, the little blue beads in it don't feel bad either (some of the ones with beads in it feel scratchy) It lastsd a long time too. My husband tried it one time and has been using it ever since. With the both of us using it it has lasted quite a while. I will be buying this again.
I bought these half off from my loblaws because they were renovating.
For the price I bought it for it's a decent cleanser. It foams up nicely and I feel it cleans my face alright. I use it in the shower so it does leave a tingly feeling after washing my face. I don't find that it dries out my face too much. It claims to be a deep cleanser which I don't feel it is, I don't get that deep pore cleaning I feel with some other cleansers.
Overall this is just an okay cleanser, it washes off the day's dirt but that about it. If you can get it in a deal and aren't super picky about your skin regime then I would say try it out, but it isn't anything amazing.
I got a sample of this in the mail. I didn't try it at the time, but my husband did, and he said he liked it. Keep in mind he was using it at the sink, not in the shower. And has NOT YET used it in the shower, for the love of god haha :-)
Considering I pay $25 (or $35 for 2!!) for a massive 250ml bottle of top quality facial cleanser that's loaded with glycolic and salicylic acid and lasts me MONTHS, this stuff is a complete shaft job. $10 for this tiny bottle?? Hell no. Unfortunately, my husband did like it, so I bit the bullet and bought the full size of the product. But only because it had a $3 coupon hanging off the bottle haha :-) I'd rather he use my cleanser as it does far better things for his skin and is QUALITY. Very few men know good skin care products when they see or experience them.
There are FAR superior cleansers to this which are not just stinking 'tingly' (big honking deal), but exfoliating, skin renewing and anti-aging. Such as my personal cleanser. For that reason, I give this a big fat thumbs down. Especially after trying it! KRAP with a capital K. It cleans your face. So what? So does a bar of lye soap. There is nothing I hate worse than companies that hype up their mediocre products. It really fries me. 'Steam activated'?? Could that steam be coming from the big pile of poo we would call BS?? Maybe?? I wanna see RESULTS. Especially for this price! As a woman, I'm tired of getting screwed top dollar for rubbish products. That is one SMALL bottle for one LARGE price.
I got a sample of this in the mail last week. Didn't get to use it in the shower, but it was a pretty humid day :P
The one thing I noticed was that I only needed a tiiinnnnyyyy bit for tons of lather. The fragrance was nice, and it left my skin feeling soft and clean PLUS not dried out. Also, I am a fan of minty/tingly things and this has that refreshing tingle when you wash with it, like its scrubbing out your pores.
It probably would be best when used in the shower with the steam, but I don't really know how much of a difference it would make...either way this is decent face wash!
this product is good,although it really works, you have to use it in the shower in a steamy room (hot shower) to feel it work, and not when you wash your face over the sink, i like the fact that you dont need a big amount of the product and once you rub the product on your hands and apply it to your face it feels fresh, clean, i have used others and this one didnt really 'wow' me but is good and it did the job!
From they're web site:
(NEW Bioré® PURIFY Steam Activated Cleanser with steam active beads harnesses the steam in your shower to give you your best clean! The unique Steam Active beads are activated as the cleanser is lathered, providing a mint infused sensorial experience you will want to experience everyday! )
I received this as a sample and didn't care for it at all. As it says above it is suppose to be activated by the steam in the shower. Well I didn't feel anything happening when I used it. Yes it cleaned my face, but it left it feeling tight. It did lather up like it said it would, but it seem like there was way to much for just your face. I only use a bit of the sample at a time and it was still way to much, so I can imagine if you used the hole sample you'd be covered from head to toe with the stuff. The little beads that are in it that are suppose to harnesses the steam in the shower didn't do anything but melt away the beads and it had very little mint smell to it from what I could tell. I always thought that you weren't suppose to have really hot steamy showers, or you could dry out your skin, so to me the steam activated part kind of defeats the propose of good skin care. I give the New Biore Purify Steam Activated Cleanser with Steam active beads a big thumbs down.
I recently tried the Biore Steam Activated Deep Cleansing Cleaner and had some mixed feelings about it.
Although the quality of the product is outstanding as usual, the after effects are a little disturbing to someone who has sensitive skin. It feels great when you wash your face with it in the shower or something, makes your skin feel nice and soft while washing it. But i find that as soon as you pat dry your face, it tends to overdry the skin a little bit. So I had to extend my usage to every 3rd day.
And the pump on the bottle doesn't seem to work too good, but i think that is because the product is so darn thick inside the bottle.
But don't get me wrong, the effectiveness of the product to clean your face is outstanding, I just don't recommend this one to people with sensitive skin.
These deep cleansing beads that are steam activated are just great! I cannot believe how well this works. I like Biore products, but I have never found them much more than just really good. Not great, or nothing spectacular.
This is not the case for this cleanser. It is oil free and when it says that it get 55% more clean, it really does. I felt that the oil on my face and in my pours were almost all cleaned out, which is a rarity for someone with acne. I am very impressed and will definitely purchase this one again.
These reviews are the subjective opinions of ChickAdvisor members and not of ChickAdvisor Inc.


text:
Turkey Brine Recipes
November 25, 2009 by USA Post
turkey brine recipes
Alton's recipe for a great day of thanks bird includes a brine, which is a mix of vegetable broth, brown sugar, black peppercorns, allspice berries, and candied ginger, and then roasting it. You've got to plan ahead and thaw the turkey and brine a day before you serve it, so start prepping now!
The target brine time for the turkey is 12 hours, flipping once halfway through. Then the turkey cooks for about 2 and a half hours, until it's ready to be carved and enjoyed, after it rests for 15 minutes, of course!
Alton also teaches how to deep fry a turkey on YouTube:
Please feel free to send if you have any questions regarding this post , you can contact on
Disclaimer: The views expressed on this site are that of the authors and not necessarily that of U.S.S.POST.


text:
Who is Moriori?
The Moriori is a tribe that lived on the Chatham Islands. The Moriori tribe lived by strict rules and spiritual beliefs, and by a code of non-violence and passive resistance. They are culturally Polynesian. Some people think that they came directly from the Chatham Islands while controversy says they came from the Polynesian Islands.
What is a genocide?
A genocide is the systematic destruction of all or part of a racial, ethnic, religious or national group or more known as killing members of the group; causing serious bodily or mental harm to members of the group; deliberately inflicting on the group conditions of life, calculated to bring about its physical destruction in whole or in part; imposing measures intended to prevent births within the group.
Where was the genocide of Moriori?
The genocide of Moriori was taken place on the Chatham islands, east of the New Zealand archipelago in the Pacific Ocean. They were invaded by the tribe of Taranaki Māori.
By the late 20th century the hypothesis that the Moriori were different from the Māori had fallen out of favor amongst archeologists, who believed that the Moriori were Māori who settled on the Chatham Islands in the 16th century.
Moriori genocide
Why did this happen?
What really happened?
The european tribe invaded the Moriori tribe, taking hundreds of lives, horses, food supply, and prize possessions from the Moriori settlers. Leading the tribe to cannibalism, eating their own family. Soon the Moriori tribe became "extinct"
The Moriori Geocide happened in the early 1830's.
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text:
Bangalore: Play has started on the fourth day of the third and final cricket Test between India and England here on Saturday. The match commenced at 2.15 pm local time (8.45 GMT) after rain delayed proceedings. No play had been possible since tea on the third day.
| Copyright AFP 2001


text:
Tienda Ho Zohra Dress in Silver
Tienda Ho Zohra Dress in Silver
Hand woven in Morocco, the Zohra Dress by Tienda Ho is made of a super soft and silky 60% cotton, 40% rayon blend. V neck, sleeveless, a-line with two side pockets. 44" long and 22" across the chest when flat. Hand wash cold or dry clean for best results. All Tienda Ho pieces are available in one size.
Saint Cloud
Talk about heaven sent. Houston's Saint Cloud boutique is full of lust-worthy jewelry, accessories and home goods. Creative Director Cecilia Marquez and her partner, Jessica Rodriguez, artfully curate the gorgeous shop to offer small luxuries produced with thought and care from all over the world.
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A Palm Springs Mid-Century Modern Home Gets Lovingly Restored
A Palm Springs, Alexander mid-century modern home comes back to life thanks to Michelle Boudreau Design.
A Palm Springs, Alexander mid-century modern home comes back to life thanks to Michelle Boudreau Design.
KUD Properties has brought the architectural Eichler home back in a new Palm Springs neighborhood - take a peek at the new homes!
A classic MCM house designed by Frank Lloyd Wright's apprentice gets a modern renovation.
A classic open, indoor/outdoor Eichler home was renovated to make it even more open.
Don't be intimidated by buying at auction: treat them like an urban flea market and check out the latest modern vintage pieces from RAGO.
Mid-century inspired wallpaper is now available from the mod-century master, Jenn Ski.
modbox took inspiration from mailboxes produced in the 50s and 60s and created a retro, mid-century mailbox.
A modern classic in London goes on the market for the first time.
Younger Furniture released a contemporary line of furniture that makes nods to the 1950s and 60s eras.
We are digging this retro Scandinavian sofa.
A simple coatrack made of metal that fits in nicely with its mid-century counterparts.
A giant modern sculpture that's also a lamp made from walnut with a glass shade.
Christopher White of Revitalized Artistry is currently in school but on the side he specializes in taking old mid-century furniture and givi…
Jen Renninger finally turned her awesome modern paintings in to a flash card set. Each card has the name of the designer and a retro style p…
A new exhibit at Sebastian + Barquet in Southampton features iconic mid-century designs by Gio Ponti, Vladimir Kagan, Ico and Luisa Parisi a…
If this house looks familiar, it's because we featured it back in 2010. We love it so much that we're happy to show it again wit…


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Would you believe….
I've only tried one Clinique Concealer! They have a few but I've never explored the collection to try others.
Wonder why that is? Being the concealer junkie I am that takes away from my credentials if I haven't had more experience with Clinique's Concealer selection.
For shame.
I shall redeem myself by trying out the new Clinique Even Better Concealer.
That'll gain me a few points eh?


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New product
The new Geomag Color is a rich series of magnetic fingers 58millimetri-sized, enriched with pentagonal panels and platforms to be used as the basis for your buildings. These allow you to easily carry your building and give added rigidity and support. This fantastic Color line allows Start discovering the world of Geomag, a fascinating and entertaining world of magic and surprises, dynamic buildings, bright colors and incredible magnetic forces. 30 Color box includes 16 balls, 13 bars in yellow and orange and a square platform.
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This section contains 857 words
(approx. 3 pages at 400 words per page)
Coming of Age
While Roy is an adult, he is coming of age in the world of medicine. He starts out anxious and afraid of what he's facing and he doesn't know much about the world of medicine, despite his earlier training. He comes to learn a lot of unorthodox ways of dealing with patients and learns the rules of the House of God. He learns through dealing with patients and through the Fat Man, who gives him pearls of wisdom along the way. The story teaches us the coming of age theme through examples of how Roy begins to learn and be more competent with each and every patient he comes across. At times, he feels beaten but he perseveres throughout the reading of the book. Throughout, he becomes more cynical yet increases his competency as he works his way through the hellish nightmare that is his internship. Others cope, too, but a couple do not, especially Potts, who doesn't survive at all. Roy learns about the hierarchy of the House of God and how he fits in with the others who work and live there. Roy definitely comes of age by the time the book is over but he is left disillusioned with medicine and doesn't want to continue in Internal Medicine. It's as though he came of age but didn't like how he turned out and he just wants to get away.
Love Relationships
Berry is his girlfriend through out the book and he asks her to marry him at the end. She sticks by him even when he's never around, when he's acting crazy or cheats on her with Molly. Berry worries about Roy through much of the internship but can't seem to get through to him. Still, theirs is a relationship that survives when no one else's relationship survives. They had acronyms, MOR and ROR, standing for "Marriage on Rocks" and "Relationship on Rocks", respectively. It seemed as though every other intern there has their relationships destroyed by the trauma of being interns at the House of God. Berry, on the other hand, is different. She's willing to put up with Roy's craziness and even his infidelity in order to stick by him and stay in a relationship with Roy. Berry is different. She accepts Roy for who he is and for what's going on with him, no matter what.
Death and Dying
Roy faces death and dying on many levels in this book. He deals with the deaths of his patients, some of whom are dying as their doctors have made mistakes with their care. He deals with the death of his colleague who commits suicide. He becomes, at one point, afraid of his own mortality and takes up a healthy lifestyle. Roy, overall, doesn't deal with death head-on and refuses to think about it. The one time he thinks clearly about it is when he overtly kills one of his own patients in an act of mercy. All of the residents and interns deal with death differently. Some, like Hyper Hooper, see death as a means of getting a postmortem evaluation. Others, upon the death of patients who they attributed themselves to killing (like Potts), cannot cope and commit suicide. It is said early on in the book that "Gomers don't die" but, in fact, they do throughout the book, albeit very rarely. Roy learns early that it's the young people who die the most, and it goes against what he's been taught in life. By the end of the book, Roy is indifferent to death and feels blunted to the idea of death.
Everyone in the House of God is in a position of having to cope. They use drugs, alcohol, repression, guilt and self-sacrifice to cope with all of the death and horror they see there. Roy copes differently at different times. He uses cynicism and humor at times. He gets drunk at times in order to cope, and he sometimes just loses it and gets angry. One of the interns goes psychotic and needs to leave for a while. Potts seems never to be able to cope and eventually commits suicide. All of them use sex to cope in one way or another. In fact, much of what goes on in this book is coping in some form or another. Even Jo and the other higher ups hide themselves in their medicine and in meticulous ways of doing things in order not to see the horrors of the totality of what is going on. It's as though Jo and the higher ups don't see the whole picture but instead see the patient as the sum of its parts. That way they don't have to mourn when they die or something goes wrong with a patient. Berry helps Roy cope just by being there for him to talk to. Roy might not have done as well as he did without the help of Berry, who was always worried and stood by him. The Fat Man copes through his use of humor, the Laws of the House of God and his own quest for fame and money.
This section contains 857 words
(approx. 3 pages at 400 words per page)


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Yo 'sup! =] You can reach me FB or Twitter ;] Cya =] BTW: I don't care for rankings and stuff... so if you don't like my cosplays, please, don't favorite them (I want to make sure every vote is a sincere one) Cosplay.com: http://www.cosplay.com/member/101387/ Cure: http://en.curecos.com/profile/?ch=139635 Facebook Page: http://www.facebook.com/onicosplay
Hi there :3 Aside from WorldCosplay you can find me at: ❧ Facebook: http://fb.me/ArulithiaCosplay ❧ Twitter: http://twitter.com/aruchi_cos ❧ Instagram: arulithia If you need any cosplay advise in general or want to ask about how I did things, my FB inbox is always open.
Hello! I am American but I live in Tokyo! I am a English teacher, Cosplayer and WCS volunteer! Follow me and I will follow you too! Likes and hearts appreciated! FACEBOOK: https://www.facebook.com/CelestialshadowCosplay DEVIANTART: http://celestialshadow19.deviantart.com/
♥ FACEBOOK ♥http://www.facebook.com/LauzCosplay If you watched me in Deviantart, please you confirm me in a comment ;_; I wish watch every cosplayer but I can not always see all watchs. Thank you for understand. ♥ DEVIANTART ♥http://www.lauzlanille.deviantart.com ♥ YOUTUBE ♥http://www.youtube.com/user/lauzable
【FB】http://www.facebook.com/hyko.hakkou.kagaya 【微博】http://www.weibo.com/2274035370/profile?topnav=1&wvr=6
黒執事と血界戦線が大好きです! I love Kuroshitsuji & Blood Blockade Battlefront! Archive HP:http://www.cosp.jp/prof.aspx?id=88088 Twitter:@koh_kurokarasu
Nothing is better than make one Person who the people approve or go in an event with friends! Thanks S.s. and C.c. for everything. ;) www.facebook.com/thynz http://thynz.deviantart.com/
~ N e e Y u m i Hello ~ ★ I am Brazilian cosplayer, since July 2008 ~ =^_^= ♥ Thank you all for visiting my profile. <3 【Facebook】http://www.facebook.com/NeeYumiCosplay 【DeviantART】http://neeyumi.deviantart.com/ 【Twitter】https://twitter.com/NeeYumi 【Instagram】http://instagram.com/neeyumi
I sing act and paint .and I love cosplaying and create too https://www.facebook.com/Annary-79643171108/ https://www.facebook.com/annary https://www.youtube.com/user/flowerAnnary
【微博/weibo】: http://weibo.com/qianzangniang 【FACEBOOK Page】: http://www.facebook.com/qianzangniang 【半次元】 http://bcy.net/cn112371 千里紅塵葬花娘,九月出生的花娘 --- Hello ,I am a Hong Kong cosplayer! My name is 花孃 - Sara
안녕하세요 ^^ 한국 코스튬 플레이어 Rato 입니다. ^^ 가끔 조금씩 코스프레합니다. Sometimes I do hobbies. Official my personal page => https://www.facebook.com/rato.kim.3 Archive http://www.cosp.jp/prof.aspx?id=382794
hi~this is Akuna I love design /movie /music & cosplay FB-(main) https://www.facebook.com/AkunaStyle Instagram- nil_akuna ASK- http://ask.fm/AkunaNil 『my work shop page』 https://www.facebook.com/VPcostume old album - http://album.blog.yam.com/akuna
Hi! I'm Yuki, I'm a brazilian cosplayer and I've been cosplaying for over 10 years. Brazilian representative of the WCS 2007, contestant and judge in several cosplay contests in my country and around the world. :) I love making my own costumes, photoshoots and makeup!
Hi, my name is Yuu and I am a Brazilian cosplayer I'm a cosplayer since July 2011, so I still do not have much experience, "But I want to continue improving my cosplays so they can look more like the characters Tumblr: http://yuu-hiko.tumblr.com/ Facebook: https://www.facebook.com/patricia.p.pinheiro.5 Intagram: http://instagram.com/yuuhiiko twitter: https://twitter.com/Yuu_Hiko


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Flats For Sale in Norton, Doncaster, South Yorkshire
Set within private walled gardens is this stunning 5 BEDROOM FARMHOUSE, a spacious 2 BEDROOM COTTAGE and a contemporary 2 BEDROOM APARTMENT all of this comes with approx. 7 ACRES of fenced paddocks with an ARENA & STABLES. There is still potential to add your own additions to this unique purchase...
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Celebrity Style: Nicky Hilton
I oft express my love for the mix of black and white; with that pairing, one can never go wrong. While shopping on Robertson, Nicky Hilton rocked the classy color combo in the form of a white hot Valentino bag, white Gucci flats, a black velvet blazer, and stovepipe jeans. To sass up her ensemble, she threw in a metallic scarf and black Tom Ford shades. The next time you wear all black, do like Nicky and add a couple white accessories to set you apart.


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The bathroom door and trim is finally (FINALLY!) painted. It's only taken just shy of sixteen months, a half-litre of paint and some (not even much) effort on my part, and it's finally finished. And I'm not going to lie to you: it looks good.
Naturally I completely forgot to take any sort of comprehensive "before" photos ~ I only had sixteen months, after all ~ but here's an "in-progress" snapshot that I think does a fair job of illustrating the difference between the just-primed trim and the beautiful new paint:
Now the whole thing looks as pretty and clean and fresh as the trim on the right-hand side. It's amazing how long you can live with something and never fully realize how unattractive it is until you replace it with something pretty. Now I can't believe it took me even sixteen days to finish painting, let alone that many months!! I am shamed ...
Anyway, we let the paint cure for several days before we re-attached the door handle (to avoid the whole "doorknob fused to the door via the paint" issue), but I finally was able to install it yesterday. As you can see, however, there's still some more work to do in the form of scraping. My painter's tape apparently wasn't fully up to the task of preventing leakage around the mirror, and I ended up with a ton of bleeding. Grrrrr ....
So that needs to be addressed soon but for today I'm just going to be zen about it. I'm letting it go. I'll deal with it tomorrow.
While we were hanging around in the bathroom anyway, we decided to tackle a couple more bullet points on the To Do list but replacing the fan timer (the original one installed by our contractor crapped out after just a few months; yet another example of the "fine" workmanship) and by pulling the old switcheroo on the shower curtains. The blue spring version is on its way to the dry-cleaner and the grey version is up! In case you've forgotten, this is what the winter curtain looks like:
And for those of you keeping score at home, here's where we're at on the checklist:
Bathroom -
paint door (this is how bad it is over here, folks: this door has been waiting for paint for over a year ... it's just sad)
- frame and hang artwork (I finally found some! Thank you, Christie Antique Show, September 2011)
change shower curtain for the winter season
- install door hooks
replace fan timer


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This item is currently out of stock. It will take up to 3 weeks to ship.
The sweet sustained tone of the Gold Tone Dojo is so right for expressive fills and emotional solo play. The cutaway mahogany body has beautiful decorative bindings and carries a comfortable five-string banjo neck with planetary-gear tuners and a rosewood fretboard that any banjoist will feel at home on. The parallel-pull tailpiece exerts even pressure on the biscuit bridge atop the reverse-cone resonator for even tonal response. Expand your sound horizon with a Dojo.
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Location: Ethiopia
Closing date: 03 Mar
- B.Sc./M.Sc. or equivalent in Nutrition or related degree.
- 3+ years of experience in humanitarian assistance programs.
- Extensive experience in design, planning, management and coordination of nutrition programs.
- Good computer skills, including Microsoft Word and Excel and PowerPoint, SMART, Epi-Info and/or other relevant statistics packages.
- Demonstrated analytical and conceptual skills to plan projects, timetable agreed activities, monitoring budgets and oversee staff activities.
- Experience with mentoring and building the capacity of local staff.
- Strong management skills and proven experience in managing teams.
- Excellent communication skills, preferably with some experience or exposure to developing and writing proposals.
- Good human resource management skills and logistic skills.
- Awareness of community-based approaches to improving nutrition and food security.
- Proven experience in liaising with government officials, other NGOs, donors and UN agencies.
- Appreciation of the aims and objectives of GOAL.
- Good team player, flexible and capable of working with a multinational country team.
- Ability and willingness to travel to rural locations and live in sometimes basic conditions.
- Excellent written and spoken English.
- Ability to function and manage in situations of uncertain security.
Interested and qualified applicants may send their application and CV through goal[at]goalethiopia.com or send their application letter together with non-returnable CV and essential documents to:
The Administration & Human Resources Department,
GOAL Ethiopia
P. O. Box 5504,
Addis Ababa


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CoreLogic, INC. (NYSE:CLGX)
Acquisition of Marshall & Swift/Boeckh and DataQuick Information Systems Conference
July 01, 2013 9:00 am ET
Dan Smith - Senior Vice President, Investor Relations
Anand K. Nallathambi - Chief Executive Officer, President, Director and Member of Acquisition Committee
Frank D. Martell - Chief Financial Officer
Darrin D. Peller - Barclays Capital, Research Division
Kevin D. McVeigh - Macquarie Research
Carter Malloy - Stephens Inc., Research Division
Brandon Burke Dobell - William Blair & Company L.L.C., Research Division
Geoffrey M. Dunn - Dowling & Partners Securities, LLC
Good day, ladies and gentlemen, and welcome to the CoreLogic Inc. conference call to discuss the acquisition of Marshall & Swift/Boeckh and DataQuick Information Systems conference call. My name is Sahisha, and I'll be your operator for today. [Operator Instructions] As a reminder, this conference is being recorded for replay purposes. I would now like to turn the conference over to your host for today, Mr. Dan Smith, SVP of Investor Relations. Please proceed.
Dan Smith
Thank you. Good morning, and welcome to the CoreLogic market update call to discuss the acquisition of Marshall & Swift/Boeckh and DataQuick Information Systems. Speaking today will be CoreLogic's President and CEO, Anand Nallathambi; and CFO, Frank Martel.
Before we begin, let me make a few important points. First, we have posted our slide presentation, which includes additional details on our website. Second, please note that during today's presentation, we may make forward-looking statements within the meaning of the federal securities laws, including statements concerning our expectations regarding the timing, integration and financial impact of this transaction; expected business and operational plans; performance outlook; plans on returning capital, acquisition and growth strategies; and our expectations regarding industry conditions. All of these statements are subject to known and unknown risks and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements. For further details concerning these risks and uncertainties, please refer to our SEC filings, including the most recent annual report on Form 10-K and subsequently filed 10-Q.
Finally, with respect to financial guidance, CoreLogic will update our full year 2013 financial guidance, excluding the impact of this transaction, with the release of our second quarter 2013 financial results later in the month. We will revise this guidance to reflect the impact of this acquisition upon the closing of the transaction.
Thanks, and now let me introduce our President and CEO, Anand Nallathambi.
Anand K. Nallathambi
Thanks, Dan, and good morning, everyone. This morning, we announced that CoreLogic has entered into a definitive agreement to acquire Marshall & Swift/Boeckh and DataQuick Information Systems. I will begin the call today with an overview of the strategic rationale behind this transaction, and then Frank will summarize the acquisition and related financial details. We will conclude with Q&A.
Over the past 2 years, CoreLogic has delivered progressively stronger operating results, including record financial results in 2012 and so far this year. Our consistent track record of delivering strong revenue and profit growth and significant margin expansion is a result of our laser-like focus on a strategy that leverages the company's unique data assets and analytical capabilities, as well as the market-leading position and scale of our servicing businesses.
The acquisition of Marshall & Swift/Boeckh, or MSB, and DataQuick is a compelling and logical next step in the strategic transformation of CoreLogic. These firms benefit from data-driven, subscription-based business models. The acquisition materially expands our Data & Analytics segment, in line with our stated goal to grow this segment to greater than 50% of total company revenues within the next 3 years.
We're also adding unique and complementary data assets and analytical capabilities to create a scaled, market-leading insurance solutions group. The acquisition is expected to be accretive to 2013 financial results, and it should expand our overall EBITDA margins. As we aggressively integrate MSB and DataQuick into our operations, we expect to realize additional cost synergies and growth opportunities beyond those currently factored into the transaction assumptions, which Frank will cover later.
It is also important to note that our focus on driving revenue growth, margin expansion and high rates of free cash flow has given us the financial flexibility to purchase MSB and DataQuick and simultaneously increase our share repurchase program while maintaining prudent debt levels. Over the past 2 years, we have been transforming CoreLogic into a higher-growth, higher-margin company by focusing on 6 strategic pillars. These pillars have been discussed on our previously -- previous quarterly earnings calls and during our recent Investor Day in May. These include expanding our D&A segment; driving scale and operating leverage in Mortgage Origination Services; expanding our insurance and geospatial footprint; fully monetizing our data assets; reducing costs through Project 30 and TTI; and finally, consistently returning capital to our shareholders. The integration of MSB and DataQuick meaningfully accelerates progress towards these strategic imperatives.
I'll now turn the call over to Frank to provide a summary of the terms of the acquisition and a more detailed description of MSB and DataQuick.
Frank D. Martell
Thanks, Anand. CoreLogic is purchasing MSB and DataQuick from the Decision Insight Information Group, a portfolio company of TPG Capital, in a privately negotiated transaction. The total consideration is $661 million paid in cash. In addition to the purchase price allocable to MSB and DataQuick, this amount reflects the expected present value of cash tax benefits from acquired amortizable intellectual property and goodwill, as well as net operating loss carryforwards totaling approximately $115 million and the acquisition of MSB's 29.5% ownership interest in Symbility Solutions valued at $23 million.
Symbility is a publicly traded claims processing and estimated software provider headquartered in Canada. The purchase multiple for this transaction is 9.6x 2013 projected MSB and DataQuick pro forma EBITDA, including identified cost synergies of approximately $7 million. The transaction is projected to be 4.5% accretive to pro forma full year 2013 adjusted EPS and 16.8% accretive to adjusted cash EPS, excluding the impact of onetime reductions and acquired deferred revenue and other purchase accounting adjustments.
This transaction will be funded through a combination of cash on hand and the refinancing of our current secured debt facilities. This refinancing should extend our current debt maturities by approximately 3 years at rates and terms substantially equivalent to those in our current debt arrangements.
Net debt is expected to be approximately 2.5x adjusted EBITDA on a pro forma basis following the completion of this transaction. We expect to reduce these debt levels progressively beginning in 2014. MSB and DataQuick are high-margin businesses based on predictable subscription-based revenue models, and they deliver free cash flow conversion rates that are higher than CoreLogic standalone. These factors should further enhance CoreLogic's financial flexibility going forward. The transaction is expected to close during the third quarter of 2013 and is subject to customary closing conditions and regulatory clearance.
I'll now provide a brief description of MSB and DataQuick. MSB was founded over 80 years ago and is the leading provider of cost information and risk analytics for residential and commercial properties. Using proprietary data, algorithms and platforms that leverage best-in-class replacement and repair cost estimates, analytics and other services, MSB assists insurers in analyzing risks, underwriting property insurance coverage and estimating, managing and analyzing claims.
MSB services the majority of the top 100 P&C carriers, including 25 of the top 20 -- 20 of the top 25. The company's business model is built around unique databases, analytics and workflow tools. This includes replacement cost data covering over 440 kinds of residential and commercial structures and more than 100,000 unique business materials and supplies localized by ZIP code. This type of data coverage underpins MSB's leading market position. The addition of MSB more than doubles our insurance-related revenues. We expect the combination of CoreLogic's Data & Analytics and our geospatial assets with MSB's market-leading underwriting management solutions will provide additional insights to our clients and potentially accelerate future revenue growth.
From a financial perspective, MSB represents a scalable growth platform with strong adjusted EBITDA margins and free cash flow conversion rates above those at CoreLogic. MSB's deeply embedded solutions drive high client subscription rates with more than 85% of revenues under long-term contract. Renewal rates have historically run at 95%.
The acquisition of DataQuick expands and complements CoreLogic's existing Data & Analytics offerings. DataQuick sells data, analytics to real estate, mortgage and capital markets verticals. They also offer well-regarded custom credit, fraud monitoring and valuation tools, as well as flood zone determination services. Similar to MSB, DataQuick has a high percentage of subscription-based revenues and low client attrition rates.
Anand will now cover the strategic rationale of this transaction and how the acquired assets will fit into CoreLogic's business model.
Anand K. Nallathambi
Thanks, Frank. MSB and DataQuick are a natural and compelling strategic fit for CoreLogic. MSB scales our D&A segment, and at the same time, grows our insurance-related revenues to almost $100 million on a full year pro forma run rate basis. MSB's residential and commercial building cost information, analytics and business management services, combined with our existing geospatial capabilities and property-related data assets, present a compelling value proposition. This combination allows CoreLogic to provide insurance clients with new and unique insights into underwriting property coverage, as well as managing natural hazard risks and claims. We're excited about the growth prospects presented by the insurance vertical.
MSB has strong and long-standing relationships with most of the top insurance carriers. These carriers are increasingly adopting data, advanced analytics and tools for risk management and underwriting. The consolidation of DataQuick's property data, analytics, credit services and flood zone determination operations is highly complementary and synergistic to CoreLogic. These operations will be rapidly integrated into CoreLogic to achieve maximum scale benefits. DataQuick is also a respected provider of market trend data and research, which will be incorporated into CoreLogic's industry-leading insight platform.
In addition to the obvious financial benefits and cost synergies, we expect the combination of CoreLogic, MSB and DataQuick to yield significant future growth opportunities through the introduction of new products, services and workflow tools, which draw from a wide range of best-in-class data assets and analytical capabilities.
CoreLogic's business model is built around mission-critical data, analytics and services. At the foundation of everything we do, it's the most comprehensive database of property information in the U.S. and in Australia. We use this information to provide critical insight and services across the entire spectrum of the property life cycle.
Our Data & Analytics and Service Solutions are deeply embedded in the workflows of our clients 24 hours a day, 7 days a week. Our clients represent most of the leading firms in real estate, mortgage, insurance, financial services and consumer lending industries.
MSB and DataQuick build on and expand CoreLogic's existing solutions, scale and grow our insurance-related offerings. As I mentioned at the beginning of the call, MSB and DataQuick are a great fit with CoreLogic, and this transaction is strategically and financially compelling to us.
I'll now turn the call back to Frank who will wrap up our prepared remarks with a brief discussion on pro forma financial impacts, our share repurchase program for the balance of 2013 and some concluding thoughts.
Frank D. Martell
Thanks. As Anand mentioned earlier on this call, this transaction expands our D&A footprint in line with our imperative to grow the segment to greater than 50% of total company revenues and create a scaled, market-leading insurance solutions group.
On a pro forma basis for 2012, this transaction adds approximately $111 million in revenue and $54 million in adjusted EBITDA to CoreLogic standalone. In terms of revenues, it increases the percentage of revenues from D&A from 39% to just over 42% of CoreLogic total. Importantly, insurance revenues within the D&A segment jumped from 3% to just over 13%.
With regard to adjusted EBITDA margins, this transaction boosts CoreLogic's pro forma 2012 margins by 140 basis points to 30.1%. The contribution of -- to the D&A segment to the total company's overall adjusted EBITDA is expected to grow from 37% to 43%.
Upon closing of this transaction, MSB's operations and DataQuick's data licensing and analytics units will be reported within the company's D&A segment. DataQuick's flood zone determination and credit servicing operations will be integrated into CoreLogic's Mortgage Originations Services segment.
In addition to the acquisition of MSB and DataQuick, we announced today that we are increasing our 2013 share repurchase program from 5 million to at least 8 million shares. As most of you know, CoreLogic has relentlessly focused on profitable growth, margin expansion and higher rates of free cash flow conversion over the past several years. The success of our efforts have been manifested in our strong cash flow profile, which provides us with financial flexibility to complete this acquisition, and at the same time, significantly increase the return of capital to our shareholders by expanding our 2013 repurchase program.
Since becoming an independent public company in the middle of 2010, CoreLogic has aggressively returned capital through repurchase of more than $500 million worth of our common shares. Last year, we bought back 10 million shares for $227 million. This represents 10% of our outstanding shares and about 82% of free cash flow generated. The target of 8 million shares for 2013 represents 8% of our outstanding shares and the majority of free cash flow generated. We have purchased 2.9 million common shares so far in 2013.
The repurchase of significant numbers of shares reflects our belief that at current price levels, our common stock remains well below its long-term strategic value. As we move forward, MSB and DataQuick further boost our financial flexibility, and we plan to continue on providing our shareholders with the highest possible returns generated through a combination of investing in future growth and efficient return of capital.
As Anand mentioned at the beginning of the call, we have laid out a clear and focused strategic plan for building long-term shareholder value, and we are executing against that plan. Over the past 2 years, CoreLogic has delivered progressively stronger operating performance with record financial results in 2012 and so far in 2013.
We will continue to relentlessly focus on the pillars of our success: first, growing D&A revenues; second, driving operating leverage and market share gains in Mortgage Origination Services; third, completing our Project 30 cost reduction plan and the TTI; and finally, generating superior free cash flow to reinvest for growth and capital return.
We believe the acquisition of MSB and DataQuick is a compelling and a very logical next step in the strategic transformation of CoreLogic. These are iconic firms in their industries and possess subscription-based models with predictable revenues, high margins and cash flows. The breadth, depth, historical coverage and accuracy of MSB and DataQuick's data sets and analytical capabilities complement our own and should power new and innovative insights and solutions for our clients.
Financially, the deal is immediately accretive, and we will continue to maintain a prudent net debt level following closing. Our strong and flexible financial position allows us to increase the 2013 share repurchase program by 60%. The increase in the 2013 share repurchase program, taken together with the acquisition of MSB and DataQuick, is a clear signal that we believe passionately in the future value creation potential of CoreLogic.
On behalf of Anand, I would like to thank everybody for your time today. The entire CoreLogic team is excited about the future and in our ability to deliver on our business plans and generate outstanding results for all of our stakeholders in 2013 and beyond.
I'll now turn the call back over to the operator for Q&A.
Question-and-Answer Session
[Operator Instructions] Your first question comes from the line of Darrin Peller from Barclays.
Darrin D. Peller - Barclays Capital, Research Division
Congratulations on this deal. It clearly fits in your strategy of expanding into Data & Analytics, especially in the insurance side with the current revenue. But can you just discuss the opportunities here that really are both on the cost and revenue synergy side first? Really maybe you can help also expand some discussion on the growth rate of the business and what it could become maybe with cross-selling and what those opportunities may be, maybe around -- whether it's geospatial into your -- into the other MSB client base or maybe just further examples?
Frank D. Martell
Sure, Darrin. This is Frank. I'll lead off, and then I think Anand will amplify some of the revenue opportunities that we see. From a cost perspective, we're taking a $7 million synergy number. That's included in the financial results that I talked about. We believe that's conservative. That's based on identified and rigorous review. We know both MSB and particularly DataQuick well. And so we believe that those cost synergies are attainable. We tried to be prudent on that side, so we believe that's something that we can realize in quick order. We are very successful in integrating CDS Mapping, which we acquired in December. We will take the same aggressive approach on these assets as well. On the revenue side, I'll let Anand amplify, but from our perspective, we did not include a lot of synergies from a cost growth perspective. We want to be conservative on that side. That's not to say that we don't see significant upside potential by combining geospatial and property records, et cetera, with MSB's platform and MSB's data sets as well. So I think that's something that we think will be very attractive going forward, but I think more work to do on that front.
Anand K. Nallathambi
Yes, Darrin. The attraction for us with MSB was the complementary set of data that they have. And if you really look at it, it may not be apparent to outside perspective, but MSB specializes in replacement cost approach, and CoreLogic specializes in market sales approach. And both of them are good. On the appraisal side, it's written into the law in 38 states, that they have to look at MSB data as part of the appraisal process, and about 90% of the tax assessors in U.S. and Canada rely on MSB to value real property. And if you look at CoreLogic's core competency, it's in providing automated valuation models. The thing that combines both of it, and we've seen it with insurance clients adapting new technologies and new risk analytics, it's in bringing in natural hazards, risk analysis and location-specific intelligence. That put together we feel like is going to be a good growth area of innovation for us. We've seen that example with Hurricane Sandy and other natural hazard events.
Darrin D. Peller - Barclays Capital, Research Division
So when you look at the actual -- first of all, what is the actual revenue growth profile of the maybe collectively MSB with DataQuick together now? And what could it become as part of the CoreLogic umbrella?
Frank D. Martell
Historically, Darrin, it's been mid-single digits. It's been above that some years, but from a broad perspective, mid-single digits. Obviously, we just talked about we think that we can improve upon that as we go forward. I think early days, but our aspiration, obviously, is to grow this in line with the overall organic growth target that we set for the D&A segment at a minimum.
Darrin D. Peller - Barclays Capital, Research Division
All right, all right. And then just quickly, this is obviously a larger deal than you've normally done in the past. Can you talk a little bit about integration and whether there's anything we should be aware of? How much has to be done? Is there anything we need to watch out for from an integration risk standpoint? And then also management from these businesses. I mean, are you keeping some people on, and can you talk to that as well?
Frank D. Martell
Sure. The integration is going to proceed post closing. So are -- we need to go through the regulatory approvals. We'll do the requisite planning, but the company is in great shape. So the integration of these assets should be handled efficiently and quickly. I'd say the integration is more on the DataQuick side than the MSB side from a structural perspective, but it all fits perfectly into the -- in line with existing business operations that we have. All the management teams are coming over. We think they're great, and we really are excited about having those folks join the company. They're all tremendous experts in their respective fields, and we're really excited about the strength that, that adds to the company.
Darrin D. Peller - Barclays Capital, Research Division
And do you have plans to help incentivize them to stay on?
Frank D. Martell
Your next question comes from the line of Kevin McVeigh from Macquarie.
Kevin D. McVeigh - Macquarie Research
I wondered, with these assets you're acquiring, who often would you be competing against most in the market? I mean, does this position you more against Verisk into the Data & Analytics segment, specifically on the insurance side, or are there other players out there as we think about market-facing opportunities?
Anand K. Nallathambi
Kevin, this is Anand. I'll address MSB first and then go to DataQuick. MSB, if you really look at it over the last 8 years, they've carved a real niche, and they are the experts when it comes to replacement cost approach. They look at market data on construction materials, and there's like about 100,000 line items that they track. And in terms of reliability and client following, they have a very, very sticky product out there, and a lot of the clients that they have are on the top 25 insurance clients. They've been with them on average of 25 years. So that kind of speaks to how they are well entrenched in the marketplace out there. Their competition, obviously, would be Verisk. It's a division of Verisk called Xactware. And on the DataQuick side, they have been a regional provider and also a data provider out there. They also sell into the mortgage industry and real estate industry. We're very familiar with them, and they're also a data partner -- data licensing partner for us. So it's much more of a complementary asset on that front.
Kevin D. McVeigh - Macquarie Research
Got it. And then in terms -- it sounds like you folks have been around these assets for a while. Was this be kind of an auction? I mean, how long were you circling it? Just because it is a transaction of a larger size than what you've done historically. And then just on top of that, I want to make sure I understand, was the purchase price $776 million if you add back the NOLs or is it $661 million? I just want to make sure I've got the mechanics on the math in terms of purchase price.
Frank D. Martell
Okay, sure. So Kevin, it's $661 million total, inclusive of everything. It was not an auction. We negotiated this transaction with TPG. So there was no auction. We try to avoid auctions, obviously, to the extent humanly possible, and so similar to CDS Mapping, this was also a negotiated transaction.
Kevin D. McVeigh - Macquarie Research
Okay. And then, Frank, just where did the NOLs come from? I mean, they seem like they're relatively profitable businesses. So where did the $115 million in NOLs come from?
Frank D. Martell
That comes from the historical -- these units and several other aspects, the intellectual property and other aspects as well. It goes beyond -- the $115 million goes beyond just the NOLs, Kevin, and there were other businesses that were in the group historically that generate these losses. We think the 2 assets that we're acquiring are long iconic firms, profitable firms, but there were other assets that were owned by these companies over time that are no longer with us.
Kevin D. McVeigh - Macquarie Research
Got it. And then how long do they come in -- is that kind of a 5-year -- did they come in over how much time frame, that $115 million?
Frank D. Martell
It's over 10 years.
Kevin D. McVeigh - Macquarie Research
10 years. And then just my last question. With the boost to the buyback, does that impact your current '13 guidance at all? I mean, you've taken it up a fair amount, number one. And then number two, is there any blackout period on that? Or just obviously with the transaction, are you restricted at any point from buying stock?
Frank D. Martell
Yes. So we are in blackout, obviously. We've been for a little while, essentially since the end of the first quarter, and we'll be in blackout through the earnings cycle coming up in the end of July. So that covers that point. And then I think in terms of guidance, as Dan mentioned, we will re-guide on the call. Obviously, we need to close the transaction. We think it's going to be mid-third quarter, and then we'll true-up the guidance if necessary. But I think the guidance has a couple of components. One is the CoreLogic standalone company and how the company is doing there and then this deal. So we feel good about the deal and where we're headed. So we'll provide additional insight as we get in that call, and you guys can see what the second quarter results are.
Your next question comes from the line of Carter Malloy from Stephens.
Carter Malloy - Stephens Inc., Research Division
So on the last one, Frank, are you guys also going to begin discussing, at least from a bigger picture standpoint, your '14 outlook as well on the next call or are we going to be sticking to the '13 guidance?
Frank D. Martell
Sticking to the '13 guidance.
Carter Malloy - Stephens Inc., Research Division
Okay. And then on the historic growth rates of these businesses, you said mid-single digits. Is that across both assets or has one been more volatile than the other? And ultimately, can you help us get a sense of market sensitivity, especially for DataQuick?
Frank D. Martell
Yes, I think -- I'd say there's been a relatively small amount of volatility in the core operations of these companies over a long period of time. So they've been steady growers, I think, through kind of thick and thin. And so I think that's -- I wouldn't characterize either one of them as being particularly volatile or dissimilar in their growth rates. I think as I mentioned, some years have been stronger than mid-single digits, but I think I'd characterize it, if you want, just the historical continual mid-single digit, as a good kind of frame of reference. Our goal and our objective and we think fairly confidently that we can accelerate that growth to the integration. That's really one of the key factors that decided why we would do this deal. So we feel pretty good about the upside potential, but just got to get into it more -- work a little bit more on the details.
Carter Malloy - Stephens Inc., Research Division
Okay. And then what does this do from market share of you guys, both on the AVM side where I assume you have pretty meaningful market share, but then also the insurance sort of partial information and geospatial information.
Frank D. Martell
Well, I'd say it's hard to give you kind of a market share percentage because as Anand mentioned, these assets are complementary, but they're not necessarily playing exactly the same on the insurance side. But I'd say suffice it to say that our insurance revenues kind of hit the $100 million mark on a pro forma basis with this acquisition. So if you're looking at insurance as a proportion of both Data & Analytics segment and the total company, it's now become a meaningful proportion. Obviously, it's not as cyclical as the real estate piece of the business. So we like that a lot, and it's a very steady business. And then I think the other phenomenon similar to it, I think, mortgage and some of the other areas in real estate and property information is that from an insurance perspective, as Anand mentioned, there's an adoption going on of more analytics, more data and more workflow tool. So we think we'll benefit from that as it goes forward. But that's the adoption curve that we're seeing in things like fraud analytics on the mortgage side.
Carter Malloy - Stephens Inc., Research Division
And then on the mortgage side as well in terms of just the AVM gains you guys have as well, are you now the majority or over ruling majority player within that market?
Frank D. Martell
We believe we're a strong market leader in that area. I mean, the AVM -- historically and the AVMs have -- and also the credit and the flood zone determination are all really complementary to our existing businesses. And from an accretion standpoint and synergistic standpoint, those are all strong value creators for us. So those will be bolted on to existing structure of the company and synergized forth with.
[Operator Instructions] Your next question comes from the line of Brandon Dobell from William Blair.
Brandon Burke Dobell - William Blair & Company L.L.C., Research Division
Maybe talk a little bit about, I guess, the insurance company customer overlap. You mentioned the good penetration that these guys have in the insurance business. How many of those customers are you both going to share? I guess I'm trying to get at how easy the kind of cross-sell opportunities would be or do they have a lot of customers that you guys don't have on the insurance side or vice versa?
Anand K. Nallathambi
Yes, Brandon, I'll take that question. If you really look at it, MSB, like I mentioned, has a greater penetration of the top tier. And if you look at our geospatial and CDS Mapping acquisition especially, they're in the lower tiers. I mean, the concentration was more on the lower tier. So it's a complementary stack of clients that we're excited about cross-selling our services.
Brandon Burke Dobell - William Blair & Company L.L.C., Research Division
Okay. How does this impact or does it impact how you guys think about the TTI process, the amount of money that you have to put up, upfront to kind of get things squared away, the potential cost saves on the back end? Or has it changed the process timing for TTI?
Frank D. Martell
No, no, it's not a meaningful impact on TTI.
Unidentified Analyst
Okay. Any international revenues within DataQuick or MSB?
Frank D. Martell
A little bit in Canada. It's not material.
Brandon Burke Dobell - William Blair & Company L.L.C., Research Division
Okay. I didn't think it was. I just want to make sure. And then I just want to make sure I understood the cost synergies. You said the $7 million was kind of stuff you've already taken into account, but the chance for bigger numbers down the line seems reasonable. Is that just platform consolidation? Is it people, offices? I guess trying to get a better idea how that might play out.
Frank D. Martell
Yes, so the immediate synergy number is all the things you just mentioned at the end of your comment. So it's the normal people, facilities, so on and so forth, the overlap in the infrastructure of the company. Going forward, though, I would characterize the opportunity more so on the revenue side than on the cost side just because MSB itself is a fairly self-contained standalone with not a lot of overlap from a product and service delivery perspective. And so I think going forward, it's more of a revenue game. Currently, it's more of a cost game. And I think that $7 million, by the way, is a net number, net of cost to get. So once we -- the run rate of that will be greater, slightly greater as we go forward once we clear the cost.
Brandon Burke Dobell - William Blair & Company L.L.C., Research Division
Got it, okay. And then final one for me. You talked about the level of subscription revenue within MSB. Safe to assume that DataQuick is probably a little less than that just given the types of information they provide. So it's not 85% like MSB but something lower from a subscription point of view.
Frank D. Martell
It's slightly lower but not a lot. We love this -- the business model of these businesses are fantastic. They're really sticky, long-term subscription based.
Your next question comes from the line of Geoffrey Dunn from Dowling & Partners.
Geoffrey M. Dunn - Dowling & Partners Securities, LLC
As we think about the pro forma debt position of the company, does 2014 become more of a directing free cash flow towards retiring the debt and getting back down to a 2x debt level? But do you think you'll be able to still pursue a fair amount of share repurchase as well assuming the share price you guys are selling?
Frank D. Martell
We expect to continue to do aggressive return of capital to shareholders. So this will not impact our share repurchase program and targets, Geoff, from a capital structure perspective. 2.5x is really a comfortable number for us. We're going to be a bigger EBITDA base, obviously, and we feel good about that. But having said that, I think that will draw down the debt. That's the current plan in '14 progressively, but we feel great that the 2 to 2.5 range is a very prudent number to target over the long term, and we plan to be in the lower end by the time we get out of '14.
Ladies and gentlemen, that concludes the Q&A portion of the conference. That also concludes the call. Thank you for your participation. You may now disconnect. Have a great day.
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Definition Edit
Pseudonymization is
|a particular type of de-identification that both removes the association with a data subject and adds an association between a particular set of characteristics relating to the data subject and one or more pseudonyms. Typically, pseudonymization is implemented by replacing direct identifiers with a pseudonym, such as a randomly generated value.[1]
References Edit
- ↑ NISTIR 8053, at 43 (citation omitted).


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Jan. 9, 2017 - With almost one million job openings anticipated between now and 2025, British Columbia wants to encourage employers to sponsor apprentices and help build and expand the province's skilled workforce to meet this growing labour demand.
Jan. 5, 2017 - Shoe makers are racing to the Boston area as they compete for millennial talent.
Nov. 15, 2016 - It goes without saying that every manufacturer wants to ensure they are producing a quality product. Standards and specifications from various organizations provide a guideline from which manufacturers can measure different areas of quality, while also providing the end-user with the reassurance they are purchasing a trustworthy, long-lasting product. Within the wire processing industry, there are many standards that manufacturers may choose or be required to adhere to. These standards and specifications are constantly evolving and increasing in detail, especially as monitoring technology improves.
Nov. 7, 2016 - Much has been written recently about the skills gap issue in manufacturing. Despite this spotlight on the issue, and some grassroots initiatives to emphasize science, technology, engineering and math (STEM) curriculum in public schools, little meaningful impact has been achieved.
Nov. 1, 2016 - The adoption of the Industrial Internet of Things (IIoT) has manufacturers buzzing over improved connectivity and information sharing. But when a network issue arises, the last thing you want is to have your information technology (IT) and operations technology (OT) departments confused about where the responsibility lies to fix the problem.
Jul. 4, 2016 - Rockwell Automation's new white paper details a five-step approach to help organizations better prepare their operations and empower workers as employees retire and new technologies redefine roles.
May 24, 2016 - Millennials — they were born between the early 1980s and early 2000s, and they are admittedly different from previous generations as employees, consumers and innovators. Today, they are an active part of the North American workforce. In fact, the Pew Research Center says they currently make up nearly 1 in 3 workers, and there are more to come.
Nov. 16, 2015 - Company tours can be an effective means for attracting new employees to jobs in industrial distribution. ICP has developed and released a new guide for industrial distribution employers to access for free: How-To-Guide: Giving a Company Tour.
Oct. 30, 2015 - Next Wednesday, Grade 9 students across Canada will visit the workplace of a parent, relative or friend as part of the Learning Partnership's national Take Our Kids to Work day.
Oct. 7, 2015 - Though parents and youth say they believe career opportunities in the skilled trades to be limited, the Canadian Apprenticeship Forum (CAF-FCA) published a new national report today indicating the opposite is true.
Jun. 25, 2015 - A new program from Canadian Manufacturers & Exporters (CME) and the Feds hopes to better equip youth with skills for advanced manufacturing careers.
Feb. 27, 2015 - "With how the worldwide manufacturing industry is changing, you see more and more technology from the IT world coming into manufacturing: the Internet of Things, new tools and new processes," says Robert Hardt, president and CEO of Siemens Canada. "Young people will face a totally different set of requirements in the near future. We need to make sure, as companies and as a society, that both secondary and post-secondary schools start to adapt to these systems."
School is in session at Abbott Point of Care in Ottawa, Ont. One hundred and forty of the manufacturer's employees started an Instrumentation and Control Technician apprenticeship program in September — a program aimed at helping employees gain the skills they need to adapt to a changing manufacturing industry, and support the investments in automation and advanced technology that the company has made throughout the plant in recent years.
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Cureall may refer to:
- The item from Final Fantasy Tactics Advance.
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Terror suspects in Germany could be forced to wear electronic tags around their ankles. This is a proposal by the country's justice minister following the horrific Christmas market terror attack in Berlin that killed 12 people.
Anis Amri, the Islamic terrorist leading the attack, was able to roam around Germany without fear of being deported because he did not have a passport, and officials could not find enough evidence to arrest him.
"The use of ankle tags should not be only available for convicted criminals after release from prison, but for those identified as a general threat as well," said Heiko Maas, Germany's justice minister.
According to The Telegraph, electronic tags are already part of Germany's current law, but are only worn by sex offenders who have recently been released from prison. Maas wants to take it a step further, and make any terrorist or terrorist threat wear the tag as well.
"Everything must be done to give us the best possible information on those deemed threats," he said.
German officials could not deport Amri because he didn't have a valid passport, so Maas has also proposed any asylum seeker the country can't deport will be detained indefinitely.
Since Tunisia refused to accept Amri back into his home country, The Telegraph reports the German vice-chancellor, Sigmar Gabriel, wants to extend punishments to outside countries as well, by refusing developmental aid.
"Those who do not cooperate cannot hope to benefit from our development aid," Gabriel told Spiegel magazine.
According to The Telegraph, authorities in Germany confirm there are currently 548 people who they have classified as potential terror threats, and over 50 of these are rejected asylum-seekers who could be deported if their home countries would accept them.
H/T: The Telegraph
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