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AND reset dates
When small-town officials mistake an inventive clerk for an undercover inspector sent to root out corruption, the whole village goes into a tailspin. A comic web of bribery, lies, and rampaging self-delusion entangles everyone in chaos.
After the adoring public raises the charismatic Caesar to power, political factions question the leader's motives and growing influence. Whispers of mutiny rumble through the corridors of power. Brutus and Cassius reach a dire conclusion that will set Rome on the edge of collapse.
In the middle of the Sahara Desert, a stranded aviator meets the Little Prince, a young boy from a small, faraway asteroid, and a dreamlike journey unfolds across a universe. A rose, a sheep, and an array of unusual adults on their own small planets spark wonder in artistic director Courtney Sale's Seattle Children's Theatre directorial debut. Adapted from Antoine de Saint-Exupéry's classic novella, this treasured tale reminds us of the power of innocence and boundless love.
The wealthy heiress Portia is forced to set her suitors a challenge for her hand in marriage. In order to woo her, Bassanio finances his plan with money borrowed from his friend Antonio. All would be fine, except Antonio has taken out a loan from the moneylender Shylock on the assurance that his ships will make it back to the city. They don't, and Shylock demands repayment with a pound of Antonio's flesh.
In an overconnected, information-saturated world, Ashley is struggling. Diagnosed with a condition known as "hyperempathy," she finds it difficult to hold a job, maintain relationships, and otherwise cope with the emotional demands of her everyday life. When Ashley is introduced to a new medical procedure known as Neuroclear, she sees a chance to create a new, better version of herself — but not without putting her humanity at risk. A fresh look into our relationships with the world, technology, and our "best self," Much Better questions the ethical limits of the use of technology as means for self-improvement. Earlier this year, Much Better emerged as a semifinalist for the 2017 O'Neill National Playwrights Conference, establishing itself as a strong and relevant literary work among over 1,300 plays. Prior to the O'Neill Conference, Much Better was a finalist in the 2016 Drama League Beatrice Terry Residency.
Young Will Shakespeare is in dire need of inspiration. His next play is up against a deadline, and the only thing he's figured out is the title: Romeo and Ethel, the Pirate's Daughter. Then he meets Viola, a smart and beautiful woman who desperately wants to perform on the stage even though it's forbidden. Will is smitten and gets inspired to write the greatest love story the world has known.
The popular and wealthy Timon has hordes of friends — but only when the wine is flowing. When his money runs out, Timon turns to his friends for help. One by one they refuse him, and the carefree philanthropist turns into a reclusive misanthrope. When fortune shines on him again, will Timon find out who his true friends are?


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Need to send a bottle of Rose wine - look no further. This is a lovely Syrah Rose from the hills of Argentina. The wine has a fresh dry flavour and makes a great gift when its presented in our wooden gift box.
From the wine region of Mendoza at the foothills of the Andes, we are proud to offer this fantastic Malbec wine. Argentina dominate this wine variety and it certainly shows in the flavour of this wine. At a great price complete in wooden gift box.
A single bottle of Terrazas Reserva Malbec Wine. This is presented in a wooden gift box and is lined with wood wool. Personalize this gift by adding your own personal message.
A fabulous Sparkling wine from Moet and Chandon. The Chandon Brut comes from the foothills of the Andes and is produced in Methode Traditionnelle which gives a lively wine with fine bubbles. Delivered in a wooden wine gift box complete with your own gift message.
Produced by Moet and Chandon, this Chandon Rose sparkling wine comes from their vineyard at the foothills of the Andes in Argentina. Made in the methode traditionelle this Rose is a lively wine with aromas of red berry. The gift is completed by being presented in one of our wooden wine gift boxes.
Get 2 bottles of our favourite Argentinean Malbec delivered in our great twin wooden gift box. This particular Malbec comes from the Mendoza region of Argentina at the foothills of the Andes and is tasting very well. Great with meat, pasta and strong cheeses
A single bottle of Chandon Sparkling Brut wine together with a box of assorted Belgian chocolates (250g approx 20 chocolates). Presented in a wooden gift box lined with wood wool. Personalize this gift by adding your own personal message.
Chandon is a sparkling wine produced in Argentina by Moet et Chandon and does follow much of the Champagne production methods but as its not produced in the Champagne region of France cannot be called a Champagne. Chandon are the current sponsors of Formula 1 racing and it is their wine that is used on the podium. Send a gift of the Brut and the Rose here presented in one of our wooden gift boxes.

subset: commoncrawl


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Oh my goodness! I think you guys gave me more reviews on the first chapter of this story than any other first chapter evur! Thanks so much, you guys rock! So by popular demand, here's the second part to 'Teach You a Little Something!'
I don't own Big Time Rush or anything else you may recognize in this story.
Carlos didn't know what to think. He hadn't even yet experienced his first kiss, much less this. James' wet tongue was sliding up the tan skin of the Latinos neck, sucking softly on the tender spot under his earlobe. Small, high pitched whimpers were spilling from Carlos, sounding so foreign to him. This entire situation was strange to the young teen. He thought he had simply made a new friend, but it was clear that James wanted much, much more.
"Now let me teach you a little something..." The sandy haired teen breathed into Carlos' ear, making the smaller boy shudder. He could even swear his glasses we fogging. James shifted back, coming face to face with the Latino once more. A low giggle came from the taller's throat, his hand suddenly sliding over Carlos' clothed erection. The Hispanic boy gasped, his eyes closing as he felt the tingling sensation burn through his crotch. "You look so sexy Carlos...let's see whats underneath this," James whispered.
He began to run his hands upward, his slender fingers working slowly to unbutton his new friend's cardigan. Carlos breathed heavily, becoming excited as James came upon the last button. The long haired teen grinned, watching Carlos literally tremble in elation as he slowly slid the thin piece of clothing from his slumped shoulders. It was not even meant to be sensual, but Carlos had taken it to a whole nother level. James' mouth opened slightly in pleasure from seeing the erotic expression on the Latinos face.
It was like he was so incredibly inexperienced, that it just made him that much more provocative.
"Not even shirtless yet and you're about to explode...naughty boy," James purred against Carlos' lips as he began to undo the teens collared shirt. The boy's caramel skin began to become exposed, his smooth, hairless chest coming into view. James' fingers loosened the black tie and slipped the shirt from his body, leaving the accessory around his neck. James glanced down at the body before him, gawking at the sight. For a geeky looking guy, Carlos had some major tone-age going on. His chest was defined, his arms teeming with built muscle. The hazeleyes traveled down to his friend's stomach, which was slightly rippled. And James bit his lip, his gaze following down the dark trail of hair leading down from Carlos' navel.
"Like what you see?" James suddenly heard Carlos say, looking back up at him. The Latinos chest was raising up and down dramatically with every breath, his eyes dark behind his glasses. That same, shy blush was still painted on his cheeks.
"Definitely," The taller teen smirked, his white hands running up Carlos' beautiful body. Suddenly, James softly pinched the boy's small nipple, causing him to arch into the touch, a moan slipping out of Carlos' mouth. "Oh, you like that?" James smiled, dipping his head down, capturing the nipple between his plump lips. The sandy haired teen gave a muffled, vibrating noise onto the exotic boy, his hands working on the button of the Latinos jeans.
"OhGod, James!" Carlos groaned excitably as James suddenly shoved his entire hand down the unbuttoned jeans, penetrating the light green boxers, gripping around Carlos' erect member. The tallest teen moaned onto the Latinos chest, feeling the cock in his grasp, so thick his fingers couldn't even wrap all the way around it. He began to rub the huge length in his hand, the friction causing the virgin to jerk forward. He had never experienced anything like this. "Oh-James, I-I'm gonna," Carlos blushed furiously as he was cut off, finally receiving his first kiss.
James has gently smashed his lips against the Latino's, who had squeaked in reply to the kiss. Carlos' chocolate eyes rolled back, his eyelids dropping as he felt James begin to slide his lush tongue into his mouth. He furrowed his dark eyebrows, feeling his cock throb in James' grasp, a muffled cry spilling into James' open mouth as he came, his cock squirting its passion into his pants, covering James' hand. The sandy haired teen pulled back, his hand rising from the depths of the jeans, observing his hand, dripping with the cum. Carlos, never seeing anything like this, blushed wildly as James brought the hand to his mouth, his tongue sliding up his skin, cleaning the milky fluid up.
"Carlos, you taste so fucking delicious." James moaned as he began to pull his T shirt over his head. Carlos breathed heavily as his eyes fell upon James' sculpted physic, so alluring Carlos could honestly feel his heartbeat thump through his fingertips. The taller boys body was slender, his shoulders and chest wide and broad. He was much more masculine than Carlos, his muscles large and developed fully. His hip bones were defined, sinking into his sides like they were cut from marble. "Now..." James started, his fingers undoing his button on his pants. "I'm gonna teach you how to suck a cock..."
Carlos' eyes widened as he watched James push down his pants and boxers, his long, pulsating dick revealing itself to the virgin. James stood, slipping out of his jeans and strolling over to the nervous teen. He peered down at Carlos, who was staring up at him. "W-What do I do?" Carlos shakily asked. James felt his cock twitch. Carlos just looked so fucking innocent...
"First...get on your knees." James eyed the teen, studying him as he obeyed, coming forward onto his shins. His brown eyes were stuck on the sight of the throbbing member in his face.
"Now what?" Carlos asked, his glasses gleaming as he looked up at James, the ceiling fan's light catching the transparent lens. James grinned.
"Just, put your mouth on it...lick and suck it." Carlos nodded shyly, bringing his face towards James' exposed cock. "Wait," James interrupted, bringing his hand to Carlos' face, slowly pulling the thick rimmed glasses from his face, the Latino closing his eyes. James threw the lenses onto his bed, looking back down at Carlos, holding back a gasp. The teen looked entirely different. Before he looked like an innocent little kid, but now...
Now he looked like a little porn star. And oh God did James love it.
Carlos smiled, his mouth opening and coming to James' cock, his pink tongue sliding out, running along the underside of the length. James gasped, buckling into the sweet sensation. Then, Carlos showed that he was a good listener, and wrapped his pouty lips around James' cock, engulfing more than half of it. "Ohshit, Carlos. Yes, just like that," The sandy haired boy moaned, running his fingers through Carlos' soft black hair. The Latino didn't stop, only intensifying the feeling by sucking harder. Groaning happily, James looked down, watching Carlos arch his back in, causing the top of his ass to poke out of his unfastened jeans. Suddenly, James couldn't settle for just this.
"Carlos, stop." James moaned, pushing the boy away from him. Carlos wiped his mouth with the back of his hand, staring up at James.
"D-Did I do something wrong? I'm sorr-oh!" Carlos was cut short by James suddenly picking him up, placing him onto the bed behind him. And Carlos squealed as James yanked his pants straight off, exposing him for the first time. Feeling a little shy, Carlos' face went red, James just gawking at his nakedness. "J-James..."
Then, he saw James shove his own fingers into his mouth, coating them in a hearty amount of saliva. "This might sting a little, but I promise you it will get better." James came forward, spreading the Latino's legs. Carlos gasped, feeling James' fingertips massaging his hole. James hovered over Carlos, capturing his lips within his, kissing him hungrily, trying to swallow Carlos' pain as he slid his index finger into the virgin's opening. He gave a pushed back cry into James' mouth, his face scrunching into discomfort.
After a few minutes, James was able to stretch Carlos, his hole now occupied by two, scissoring and hooking fingers. Carlos had gotten very used to it, now desperately moaning and thrusting himself onto the wet digits inside of him. Finally, James felt like he had done enough, and pulled his fingers out. Feeling empty, the Latino opened his eyes, only to find James positioning himself in front of his entrance.
"It's gonna hurt, but I'll make it feel good as quick as possible," James reassured the anxious teen, who replyed with a reserved nod. Then, just as he agreed, he felt the long cock begin to slide inside of his once virgin hole, stretching him wide open.
"Oh, James...God it hurts..." Carlos chewed his lip, his eyes squeezing tight. James frowned softly, caressing Carlos' cheek.
"Just tell me when your ready for me to move," James smiled, feeling Carlos swallow his cock to the brim. For a moment, the smaller boy just breathed, but then opened his eyes slightly, telling James to go ahead.
The sandy haired teen began to pull out, giving Carlos a sharp sting, but when he was almost all the way out, he slid back in, his cock's tip pushing against the spot inside of Carlos. And he jerked up, suddenly resting on his elbows. James had thought he had hurt him, but when he began to grind a little, the expression on Carlos' face said it all.
"James!" Carlos moaned loudly, feeling James begin to pull out and push back in repetitively. Soon, the pace had gotten quick and rough, the taller teen shoving his cock hard and fast inside of Carlos' tight, hot hole. The Latino found his hands gripping James' broad shoulders, the aggressor's hands holding his slick back, supporting his weight as he let the smaller begin to bounce up and down on his length. He was letting loud, feminine whimpers in the form of James' name pour from his mouth.
"Oh fuck, you like that baby? You like this cock inside you?" James growled, not even having to move anymore as he felt Carlos slide his ass back and fourth, stripping his innocence with every hardcore thrust.
"Yes! Yes, oh sí, a la mierda a mi bebé el culo, ¡sí!" Carlos screamed, his accent thick with his Spanish decent. James let out the loudest moan of all, hearing these exotic words turning him on to his fullest extent, he never knew was possible. And with that, the tall boy exploded within Carlos, his cum spilling inside the Latino's tight hole. Carlos felt himself being filled up, and he cried out, shooting his own bodily fluid all over James' chest, reaching his second orgasm of the day.
Both boys heavily breathed, leaning onto one another, when suddenly, car doors could be heard slamming from outside. James' eyes widened, and he quickly pulled out of Carlos, running over to his bedroom's window. He almost screamed when he saw his parents walking up the side walk.
"FUCKMYLIFE, CARLOS GET DRESSED!" James shouted, desperately grabbing his discarded clothing and pulling them on. Carlos eeped, jumping from the bed.
"James, who's car is in the driveway?" The question rang out, the bedroom door suddenly opening. James' mother stood at the door, staring down at the two boys, sitting on the floor. They looked back, smiling as they held the text book in their hands.
"Oh, this is Carlos. He came over to help me study." James smiled sweetly, his mother grinning at Carlos.
"Well okay, get back to work then!" Mrs. Diamond smiled, waving at Carlos before closing door. Before the boys even had time to sigh in relief, James' mother opened the door again. They couldve jumped in surprised as she stared at James. "What did you do to that shirt James David! I love that shirt on you!"
James glanced down at his white T shirt, gasping as he saw the stain seeping into the fabric. "Uhm, I spilled some yogurt, I'll throw it in the wash tonight!" He grinned stupidly, Carlos' cheeks going completely red.
Oh ho ho im so stupid! :D Tell me what you thought!


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- Article About the Askmonty.org Knowledgebase translated from 'About the MariaDB Knowledge Base' by jackson jackson 4 years, 6 months ago
Copyright © 2016 MariaDB.
All rights reserved.
Download MariaDB and start working immediately! You can also get subscription details and learn more about the advantages of MariaDB's additional service offers.


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Crossing Over: Jared Enderton
Jared Enderton Imagine you were an athlete that measured out all the benchmarks it took to be great in a sport. Then, after reaching your peak in that sport you decide to take your talents into two different sports with less than three months of training. 2015 was a breakout… READ MORE
Stuffed Acorn Squash
The Dish That Offers All of Autumn's Freshest Flavours Winter is the perfect time to take advantage of some incredible seasonal ingredients using the freshest fare to create flavours that will keep you warm on those cold nights. This dish is fantastic as a vegan main course or as a… READ MORE
Pull-ups: To Kip or Not to Kip?
Pull-ups Pull-up purists will look at kipping and decry: "He's cheating! Those aren't pull-ups!" He's not cheating at pull-ups because he's not doing pull-ups; he's doing kipping pull-ups. Make note of the modifier kipping. Would you criticize an Olympic lifter for doing a split jerk instead of a strict press?There… READ MORE
Unwrapping the gifts of CrossFit with Christmas Abbot
Christmas Abbott Unwrapping the gifts of CrossFit By Jamie Shane At 5'3″ and a light 115 pounds, Christmas Abbott's size belies her power. From CrossFit Regionals to NASCAR pit crew to Inked magazine cover girl, she is fiercely bold in everything that she does. As the owner of CrossFit Invoke,… READ MORE
Culinary Ninja: Paleo Nick
Who is Paleo Nick? He's a cook. He's a CrossFitter. He's a master of, and your ultimate guide to, culinary fitness. Nick was born in Minnesota, bred in North Dakota, and currently resides in both Colorado and Alaska. His passion is innovating and teaching creative ways to cook clean, nutrient-dense… READ MORE
The Paleo Diet Bar
Co-founders Todd and Shauna Sledge build a business "one rep at a time" Sweat equity is a term used often in the world of real estate, where Todd Sledge still earns a living. While many would say it describes nothing more than an increase in property value as the result… READ MORE
Ice Man: Melting the Myth of Ice Therapy
A statement like that is enough to get any athlete's attention—and for good reason! Scientific research and clinical studies are now suggesting that the long accepted medical "fact" that ice is the go-to solution for pulled muscles, aches, pains, and strains—well, it might not be just an old wive's tale, ineffective… READ MORE
Flex Appeal – The importance of strong biceps
It is generally accepted in the strength-training world that one of the best ways to increase your pressing strength is to increase the strength of what is considered the weak link–the triceps. Especially in the sport of power lifting, the triceps are considered the weak link in a bench press…. READ MORE
Yoga & CrossFit – the new buzz word
CrossFitters always ask why they should take a yoga class. They feel the extent of their flexibility work should be a few key stretches before and after a workout. The truth is that yoga complements CrossFit for lots of other reasons, too. Yoga provides athletes with flexibility, strength, faster… READ MORE
Camille Leblanc-Bazinet face of an angel, kip of a WODkilla
"I decided I was going to win [Canada East] Regionals and was willing to die in the workouts to achieve that goal. Anyone willing to come with me to that dark place would have had to die to win." – Camille Leblanc-Bazinet It's not often you hear such cutthroat words… READ MORE
Get the Jump on Explosive Power. Physics and Newton's Second Law
When looking for the best way to strength train athletes, go back to high school physics and recall that Power = force x velocity. A critical velocity or power output is required to execute any skill. Depending on the movement, power production usually peaks at 3050% of maximum force or… READ MORE
Time is on Their Side. The masters of CrossFit
In case your image of the over40 generation is fat old farts in tripleknit polyester bulging through the slats of their rocking chairs, consider this: Martina Navratilova won a mixed doubles championship at the U.S. Open when she was 49. And baseballer Jamie Moyer, at the same age, pitched a… READ MORE


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Durable sunglasses featuring non-slip earpieces to keep glasses in place.
• One-piece UV400 lens
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Frame Polycarbonate, non-slip earpieces. UV400 protection.
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CE certified.
Specifications subject to change without notice. Exustar is a trademark of Exustar Enterprise Co. Ltd.
Copyright © 2017 Exustar Enterprise Co. Ltd.
All other trademarks are the property of their respective owners.


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Dr. Paul Richardson MD Video
- Urology Waterloo, IA
Take a minute to learn about Dr. Paul Richardson in this video.
Meet Doctor Paul Richardson. Here are his vitals: He's board certified, specializing in Urology. Doctor Richardson is a highly experienced doctor, with 25 years of practice in the field Highly regarded by his patients they rate him 3 out of 4 stars. They point out his bedside manners. Is affiliated with these top rated hospitals. Graduated from Howard University. Doctor Richardson is a published author, having articles in peer reviewed journals. His average waiting time is 36 minutes. He accepts new patients. He has a number of insurance plans accepted. Use Vitals.com to examine Doctor Paul E Richardson from Waterloo, Iowa. See patient comments make an appointment or even let us help you to prepare for your visit. Vitals .com where doctors are examined.
Health Guides
Erectile Dysfunction
Get the facts about erectile dysfunction (ED), including the conditions and medications that can cause it.
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Dr. Paul Richardson, MD is similar to these 3 Doctors near Waterloo, IA.


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One of my pottery pieces
ceramic seahorse
Chulucanas Pottery. Love.Love.Love. I think this black & white is beautiful, the design organic & funky!!!
Colored Porcelain Koi Fish Wind Chimes... may be a little out of elementary's league but I want to remember this.
Paul Dachsel of Amphora secessionist bowl with moth handles and stylized pieced rim . . . gorgeous!
Juliet Blackman. "Central to all my work is an enjoyment of coiling, an almost meditative process where the form gradually evolves, together with raku, which provides the essential dark, earthy quality, capturing the mystery and unexpected iridescence of ancient archaeological finds. The contrast between a highly controlled, considered building process and the relatively unpredictable nature of raku firing is very exciting."
Beelden van Keramist Karin Zomerdijk Limmen
owl sculpture
Clay poppies.
Tiles Intriguing and unique artifacts, forged one by one, made in limitless shapes and colours. They may be used to decorate edges, terminals, niches, decors, depending on the client's desire. www.forgiatoredie... ... Incantevoli formelle, pezzi unici, forgiati a mano uno ad uno, di misure, colori e forme illimitate, da inserire come bordi, terminali, nicchie, isolate, decorazioni, a fantasia del cliente…#ceramica#raku


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Find or become a
child care provider.
Have an account?
Log In
Daycare Provider
A great way to find a child care provider is often through your friends.
Wing to do anything you need me to do
Great and fun sitter
I will be willing to help
Experienced over 25 year's in child care and housekeeping
Great baby sitter


text:
The report entitled Global Dermal Fillers Market 2017 presents key insights into the global Dermal Fillers market along with the latest up-to-date industry details and forthcoming Dermal Fillers industry trends, which will assist the readers to focus on product specification and end users driving the overall market revenue and profitability.
Report Keynotes:
The main motive of the report on "Global Dermal Fillers Market 2017" is to study comprehensive details of the market investors, key industry players which will enable them to make vital decisions in regards to Dermal Fillers growth opportunities and future investment scope.
This report highlights the prominent industry competitors and provides the deep analysis of the major factors influencing the market. The report also covers the forecasts market study related to industry trends, market volume, market share estimates and company profiles of top industry players.
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Dominant Dermal Fillers market players:
1 Allergan
2 Galderma
4 Bloomage Bio Technology
6 SciVision Biotech
7 Sinclair Pharma
8 Merz
9 Sanofi Aventis
10 Suneva Medical
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This Report examines the global Dermal Fillers market concerning product type, application service, client and geography. The global Dermal Fillers market covers major continents.
Region wise Analysis of Dermal Fillers Market:
1 North America (United States, Canada and Mexico)
2 Asia-Pacific (China, Japan, Southeast Asia, India and Korea)
3 Europe (Germany, UK, France, Italy and Russia etc.
4 South America (Brazil, Chile, Peru and Argentina)
5 Middle East and Africa (Egypt, South Africa, Saudi Arabia)
The global Dermal Fillers market has been segmentized into two parts product and application.
Product Segment Analysis of Dermal Fillers Market:
1 Hyaluronic Acid
2 Calcium Hydroxylapatite
3 Poly-L-lactic Acid (PLLA)
4 Polymethylmethacrylate Beads
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1 Micro-plastic and Cosmetic
2 Anti-Aging
Finally, the research study provides a comprehensive view of the global Dermal Fillers market, offering market size and estimates for the period from 2016 to 2021, keeping in mind the above mentioned factors.


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Camp Lejeune Marines receive compensation for exposure to toxic water
Posted March 14
Camp Lejeune, N.C. — Tuesday was the day Marines stationed at Camp Lejeune who were sickened by tainted water at the base for decades could file claims with the Department of Veterans Affairs for compensation.
For Patsy Canady, the street address is still vivid.
"We lived at 2824 Bougainville Drive," she said.
But, thinking back to her military upbringing, Canady also believes it was her family's time spent at Camp Lejeune during the water contamination that caused the cancers that killed her brother, mother and father.
"My father died with complications from colorectal cancer and he had heart problems. My mother died with pancreatic, brain and spinal cancers," Canady said.
While the cancers are not currently covered by a Veterans Affairs $2.2 billion payout to those who served at Camp Lejeune for 30 consecutive days between Aug. 1, 1953 and Dec. 31, 1987, the VA said they will compensate for kidney and liver cancer, non-Hodgkin's lymphoma, adult leukemia, multiple myeloma, Parkinson's disease, aplastic anemia and related syndromes, as well as bladder cancer.
Veterans who fit the criteria, including Joseph Ball, can now apply for compensation.
"In 2009, I was diagnosed with bladder cancer," he said.
Ball served at Camp Lejeune in his early 20s. He says he drank and bathed in the contaminated water and he said compensation is the least that can be done for those impacted.
"I think the veterans who were damaged or were harmed by the water should receive some type of compensation," Ball said.
While the cancers in Canady's family have not yet been linked to the contaminated water, she's encouraging others to apply.
"If you have the opportunity to take that compensation, go and get it," she said.
Several family members of veterans and civilians said they hope the compensation will grow to include more diseases that they believe are linked as well as civilian employees who may have been exposed to the toxic water.


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If this is your first time on BYC, we suggest you start with one of these three options:
If you're already a member of our community, click here to login & click here to learn what's new!
Killer Kitty is home!!!!!!!!!!!!!!!!!!!!!!!!!!! (UPDATE)
Discussion in 'Other Pets & Livestock' started by gritsar, Dec 28, 2007.
Page 1 of 2
Page 1 of 2


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WASHINGTON – Egyptian President Hosni Mubarak's offer to host a summit between Israeli and Palestinian leaders has fallen on deaf ears in Israel.
Mubarak proposed to Israeli Prime Minister Ariel Sharon last week that he meet with Palestinian leader Yasser Arafat.
The suggestion was rebuffed by the Israelis, who said there was nothing to be gained from such a meeting.
"We've had countless summits with Arafat and we think it's an illusion to think anything would change now because of another one," an Israeli official told Fox News.
But with Israel cold to the overture, Secretary of State Colin Powell also rejected the idea, adding that the United States is grateful for Mubarak's interest.
"I appreciate the continuing interest (Mubarak) has shown in trying to find a solution," Powell said Monday. "His idea is an interesting one, but of course it's up to the two individuals, Mr. Arafat and Mr. Sharon, to decide which forums they would participate in."
The United States has looked to Egypt and a handful of Arab countries for peacemaking support for three decades.
The Egyptian president's help is especially vital as the current intifada grows more violent, and many Arab governments, and most Arabs in private, regard the Bush administration as hopelessly tilted in Israel's favor. In fact, the U.S. response may be due to the fact that Sharon is unenthusiastic about such a summit.
Fighting between Israelis and Palestinians escalated sharply this past week, the latest tit-for-tat cycle of 17 months of violence that has left over 1,000 people dead, most of them Palestinians.
Israeli forces attacked Palestinian Authority headquarters in Bethlehem and Ramallah Monday, killing 16 Palestinians. The assault was in retaliation for a sniper attack that killed 10 Israelis at a West Bank checkpoint Sunday.
The sniper attack followed a suicide bombing outside a synagogue Saturday evening in which several Israeli children were killed.
The targeting of Arafat's headquarters in Bethlehem was meant to send the message that, as Israeli officials put it, "if you behave like a statesman, we'll treat you like a statesman — if you behave like a terrorist, we'll treat you like a terrorist."
Mubarak's offer followed the floating of Saudi Crown Prince Abdullah's proposal for most Arab countries to recognize the Jewish state in exchange for Israeli withdrawal from the territories it captured during the 1967 Six-Day War.
Abdullah had been formally withholding his peace initiative, which was applauded in the Israeli press but not warmly received by the Israeli coalition government, until the Israeli army lifted restrictions on Arafat's movements within the West Bank and Gaza Strip.
Arab governments have questioned whether Arafat can be expected to take strong measures against terror if his movements are restricted. Abdullah is expected to make his proposal official during an Arab League meeting later this month.
Mubarak, in town to meet with President Bush and other administration officials, also urged the United States to use caution before attacking Iraq.
The Bush administration considers Iraq, a member of President Bush's "axis of evil," to be a supporter of terrorism. American concern over Saddam Hussein's pursuit of weapons of mass destruction has placed it high on the U.S. list of potential targets.
Mubarak has been generally supportive of the U.S.-led war against terrorism, and has warned that terrorists may still have sleeper cells in the United States waiting to strike again.
Mubarak met with Secretary of State Colin Powell Tuesday for 45 minutes but made no statements. He is to meet with Bush Tuesday and has scheduled meetings with Vice President Dick Cheney, Defense Secretary Donald Rumsfeld, National Security Adviser Condoleezza Rice, and CIA Director George Tenet.
— Fox News' Teri Schultz and the Associated Press contributed to this report.


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GOPocalypse commencing is T-minus 10…9…8…
I'm going to assume we're all on the same page here and just dive right into the latest White House scandal without rehashing yesterday's news that Trump leaked super top-secret info to Russians. The White House isn't denying Trump said it; Trump admitted he shared the info, right? Okay. That's BAD.
But now that the source of the intel has been revealed, things just got abysmally worse, and worse still is that the details of the highly classified intelligence were revealed by the very Russian news agency that was allowed into the meeting between Trump and Russian Ambassador Sergey Kislyak and Russian Foreign Minister Sergei Lavrov.
I know details of classified info Trump leaked 2 Russia Ambassador.
Russian news agency Trump let into meeting is reporting it.
— Kurt Eichenwald (@kurteichenwald) May 16, 2017
TASS, the Russian news agency allowed into the meeting while American press was not, reported:
According to sources in the White House, the president spoke in detail about the new threat posed by the IG , associated with the use of laptops on flights. Trump said the terrorists may carry out some attacks, and explained what kind of damage they can cause. He also called the city on the territory controlled by the group, where a partner of the US on the exchange of intelligence discovered a new threat. According to officials, Trump said of the steps that the United States has taken to counter the new threat to the IG, including military operations in Iraq and Syria, as well as the tightening of security measures.
That's BAD. Not even the Washington Post put those specific details into their article because it could endanger lives.
RELATED: Trump's Latest Twitter Tantrum Screams He Is Freaking About Russia Investigation
Then the day got even worse. It was later reported by the New York Times that the intel had come from Israel.
Now Israel is pissed off. Two Israeli intelligence officials told Buzzfeed News anonymously that the news of Trump's loose lips was their "worst fears confirmed."
One official told Buzzfeed News:
We have an arrangement with America which is unique to the world of intelligence sharing. We do not have this relationship with any other country.
"There has to be trust for this sort of arrangement. I cannot speak for Israel's entire security apparatus, but I would not trust a partner who shared intelligence without coordinating it with us first.
The other source told Buzzfeed News Israel's intelligence officials were "boiling mad and demanding answers."
But Israel is just so damn touchy! Gen. McMaster said today that it's all cool you guys because Trump had no idea who the source of the information was.
I should just make maybe the statement here that the president wasn't even aware where this information came from.
OH, WHAT!? That's totally fine then! Jeez, our bad. I mean, it's like no big deal if the president throws out intelligence rated a step above "top-secret" if he has no idea what he's even doing, right?
Here's the score GOPocalypsers: Trump invited high-level Russian officials into his office; he denied US press access; he told the Kremlin his awesome intelligence tidbit in front of Russian media; Trump got mad when that info leaked (and hey, that could have come from Russia), so he sent his NSA advisor out to lie to the press that the information wasn't accurate; Trump tweeted it was accurate less than 12 hours later but no big deal; and now one of our strongest allies in the Middle East is pissed off and may be fearful to share further info with our country lest the info fall into the ally of their greatest enemy's hands, all because the Russians probably have a pee tape on Trump and totally own him, and now whoever passed that intelligence on is in serious danger.
RELATED: Russian Diplomat Must Think All Americans Are As Stupid As His Little Puppet Trump
Wow, this is really shaping up to be such an awesome presidency! No wonder Republicans were so mad at President Obama — he had the audacity not endanger the lives of foreign intelligence agents in order to look cool in front of adversaries and play footsy with the Russians when they were being assholes. He had the gall to calculate before he spoke and to have a completely scandal-free presidency! HE WORE A TAN SUIT, FOR F*CKS SAKE!!! All that outrage, I can see now, was so justifiable given what they're comfortable with now.
Great job, Republicans! We feel so much safer under your leadership.


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Properties for sale in South West
Clowance, Praze, Camborne - 6 bedrooms - Guide price £2,000,000
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Wheal Rose, Scorrier - 5 bedrooms - £975,000
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A rare opportunity to purchase a substantial 5 bedroom detached residence located in the highly sought after riverside village of Port Navas. Inow House is set within 2.5 acres of attractive and e...Full details Save to shortlist
St Gluvias, Penryn - 6 bedrooms - £850,000
In a rural location between Falmouth and Truro a four bedroom, two storey converted barn with double garage and an attached two bedroom single storey converted barn. (contd...)Full details Save to shortlist
Vicarage Lane, Lelant, Cornwall - 5 bedrooms - £795,000
Located within the heart of Lelant and offering views towards The Saltings Estuary. This brand new 5 bedroom detached home offers driveway parking along with an integral garage. The accommodation i...Full details Save to shortlist
Wheal Venture Road, St Ives, Cornwall - 4 bedrooms - Offers in the region of £750,000
Millerson are proud to release this new detached family home to the market. Being built by one of St Ives most reputable builders this new home offers ample parking and a double garage and gardens ...Full details Save to shortlist
Trenance Farm, Trenance Road, St Austell - 6 bedrooms - £750,000
Set in a beautifully tranquil location with large family gardens to accompany the extensive grounds is this versatile former farmhouse, perfect for a family or those wishing for a family home and b...Full details Save to shortlist
Liftondown, Lifton, Devon - 5 bedrooms - £699,950
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St Erme, Truro, Cornwall - Offers in excess of £675,000
A freehold Commercial property and residence for sale, in one of the most highly prominent sites on routes approaching Truro. Suitable for a range frontage on one of the busiest roads leading to th...Full details Save to shortlist
Orchard Lane, Helford, Near Helston - 3 bedrooms - £675,000
Within the most sought after Orchard Lane area of the Helford Village, just a few hundred yards from the village shop, and famous public house, a spacious detached 3/4 bedroom home, offering good s...Full details Save to shortlist
Chapel Street, Penzance, Cornwall - 5 bedrooms - £665,000
An elegant Georgian (circa 1734) residence which has undergone a sensitive and extensive programme of modernisation. Whilst still retaining its historic character and charm this property now has al...Full details Save to shortlist
Gwythian Way, Perranporth, Cornwall - Offers in excess of £650,000
**** INCOME POTENTIAL ****A unique opportunity to acquire a four bedroom bungalow with two self contained three bedroom flats and a further one bedroom chalet. Potential income and situated in a f...Full details Save to shortlist
Chymorvah East, Turnpike Road, Marazion - 4 bedrooms - Offers in the region of £600,000
Nestled into the coastline and commanding breath-taking views, this four bedroom detached property has been renovated and modernised throughout to provide indulgent yet practical space to enjoy arg...Full details Save to shortlist
Toldish Lane, St Columb, Cornwall - Price on application
A fabulous business opportunity to acquire a centrally located and flexible industrial and warehouse building and service yards with development potential. Comprising Approx. 27,500 Sq. Ft overall ...Full details Save to shortlist
4 bedrooms
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Charlotte's Scene: Archives of the avant-garde found at Northwestern Libraries
Jan. 11 to July 17, 2016
The Charles Deering McCormick Library's Charlotte Moorman archive is featured in exhibits at the Mary and Leigh Block Museum of Art and Deering Library. Deering Library will feature "A Feast of Astonishments: Charlotte Moorman and the Avant-Garde, 1960s-1980s" and Don't Throw Anything Out: Charlotte Moorman's Archive." A companion exhibit is up in Deering Library's lobby: "Charlotte's Scene" includes material from the Moorman Archive and other related archives in Special Collections, as well as material from the Music Library.


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text: Yes. Any creature that smells ogre ass dies. The ogres most likely fried the fairies & ate them. Retrieved from "http://shrek.answers.wikia.com/wiki/Did_the_fairies_at_the_mud_bath_in_Shrek_2_die?oldid=12479" 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: Answered questions Add category Cancel Save


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If you're reading this article, I bet you've been thinking about writing as a freelancer. The internet has made it so much easier to seek out opportunities, to work with different people across the … [Read more...]
5 KISS (Keep It Simple, Stupid) Ideas for Military Homecomings
Chances are, if you're reading this, you're getting ready for a homecoming…or dreaming about one in the future. Homecomings are a lot of pressure. First the emotional and mental strain everyone … [Read more...]
PCS Resources, Websites Military Spouses Need to Know
We know that there's tons of information out there as far as PCSing goes, but who has the time to dig through the interwebs to find them all? Exactly. Here's a quick reference list of where to … [Read more...]
Watch the "Finding Your Dream Job and Creating Your Dream Resume" Webinar
Tired of sending hundreds of resumes, only to have them end up in the infamous "resume black hole?" Let NextGen's resident career coach, Stacy Swearengen of Military Spouse Portable Career … [Read more...]
"Our Love Fern! You Let It Die!" Keep the Romance Alive Cheat Sheet
We've all been there, the rough patch, or rough patches in a marriage. Marriage isn't always easy. There are so many ups and downs. The ups are easy, but the downs sometimes make us wonder why we ever … [Read more...]
MilSpouse Cheat Sheet: Power of Attorney
If you're like me, you might have had no idea what a power of attorney (POA) was until your spouse prepared to deploy. All of a sudden, every milspouse you know is asking you if you have one, telling … [Read more...]
MilSpouse Cheat Sheet: What Every New MilSpouse Must Know!
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MilSpouse Cheat Sheet: Love and Marriage, Military Style
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Love will come
By Julia Fernandes
"I chased after love for what seemed forever, but it was when I stoppedto take a rest that it found me." -- Anonymous
One of the most fascinating andintriguing emotions that I have ever come across has to be love. What exactlyis love, nobody knows. Generations and generations have passed by, yet lovecontinues to remain one of the greatest mysteries of life. You cannot dissectlove in any way; you cannot find its DNA. It is an enthralling emotion that cantake you to the highest peak and can also bring you down to the lowest point inthe valley of your life. It has extremes beyond the understanding of any wiseperson!
Nobody knows what really love isall about. People can only feel love but nobody can precisely say or expresswhat exactly love is? It is a throbbing feeling you feel in your heart, thatdizzy feeling in your head; you smile for no reason at all, the world seems sobeautiful suddenly, even your enemies appearing endearing to you! Love makesyou silly, stupid, and it is probably the only time we are so glad on feeling stupid!
There are so many intricate layersand layers of love that nobody can truly discover love in its entirety. Howmuch you discover love hinges upon how deeply you fall in love with someone.Sometimes, it takes someone else to open your eyes to the value of love. I amno expert in love but I can say one thing, fall in love when love knocks atyour door -- but be careful. For love has dual qualities -- it can create aswell as destroy. Love can bring out the best in you and love, if not handledproperly, can also bring out the worst in you, too.
Everybody seeks love. I have yetto come across someone who is not searching for that elusive thing called love.If I had a magic wand I would probably wish true love for everybody on earth.No situation of X loving Y and Y loving Z. I would shield people from painfulheartbreaks and unite lovers.
So, this goes out to everybody whois reading this article. If you are still searching or waiting for your love, justhang on, it will come; love will come at the right time in your life. Don'tsearch for somebody who is not searching for you. If God can know the beginningfrom the end, He will also know the kind of person that is best suited to the needsof your heart.
No matter what has happened thereis still a lot of good waiting to happen in your life and that includes love. Maybeyour love is right now traveling in a bus, or standing on a train, or sittingin a plane unaware that somebody somewhere is thinking of him/her. But when thetime is right you love will appear right in front of you!
When you wish on a star that shines
It will come true in some time
So, trust in God
Your love will comein its own sweet time
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text:
...when it comes to core deposit rates, banks are doing what they have always done when rates start rising. They move slowly.
Since the last days of 2015 the Fed has tightened three times. For the seven years prior to that bank regulators and auditors foisted upon our models all sorts of imaginative assumptions and scenarios regarding core deposit behavior. Many in the industry painted a bleak picture of the next rising rate environment, like this from 2013 in BAI's Banking Strategies (5):
The next rate environment may be quite different for several reasons, and there are positive and negative factors that will impact banks' ability to capture any net interest margin improvement. Among the negative factors:
- Compared with 2006, the Internet has become a much more powerful force in banking. These direct banks [will] increasingly influence shopping expectations, spurring rate competition.
- The erosion of branch traffic will make it more difficult to stem impending defection among established accounts.
- Pent-up rate hunger among depositors may unleash more of a shopping surge than what might have been seen before.
- Core deposits are valued more highly following the liquidity crisis, both by regulators and bankers, suggesting more aggressive competition for retail deposits.
Other more recent opinions believe the pressure is building (1):
"Each rate hike is a little bit more water building behind the dam,"...[and while] there is little consensus...Some banks believe they could be "one or two hikes away" from the start of deposit competition.
I even added my two cents in an article I wrote in 2012 entitled, "Will they stay or will they go?" (6). Although in the article I'm talking more about deposit volume than actual rates. Nevertheless, I brazenly stated that, "banks will indeed experience a change in deposit mix when rates start to rise" and concluded with, "That sounds MUCH more expensive."
However, this hasn't happened, at least not yet. A few good articles over the past several months have outlined some likely reasons why (1,2):
When modeling these accounts (interest checking, money market, and savings) A/L models typically use beta factors. Essentially the beta factor is the percentage change in an account's rate given a change in some market rate, typically Fed Funds (9).
Now, finally, we have some new historical data on core rates and a rising rate environment that might provide some reasonable insight into real-world core deposit rate sensitivity.
The FFIEC's UBPR data provides a look at the rate behavior of transaction deposit accounts. Our own A/L Benchmarks peer data shows the rate trends for money market accounts. While it's difficult to draw any concrete conclusions from such a small data set, it does appear that bank pricing of these deposits is indeed lagging the change in market rates.
Throughout 2015 the average Fed Funds target rate was at a historic low of 0.25%. For all that year the average rates for both Transaction Accounts and Money Market Accounts remained quite low at roughly 0.21% and 0.26% respectively.
Since the last days of 2015 the Fed has raised its target rate three times to 1.00%, with the average rate for 2017Q1 being 0.80%. Over that same time frame bank rates for both Transaction Accounts and Money Market Accounts have increased as well. Although this data is limited, we can get some idea of an implied Beta for each account type. The average Fed Funds rate has risen 55bp.
First looking at Transaction Accounts, for large banks (over $3B total assets) the average rate has risen 12bp from 0.21% to 0.33%. This implies a beta factor of 12/55 or 22%. For small banks (between $300M to $1B total assets) the average rate has risen from 0.21% to 0.24% or 3bp. This implies a beta factor of 3/55 or 5%.
Next looking at Money Market Accounts, for large banks the average rate has risen 12bp from 0.22% to 0.34%. Again, this implies a beta factor of 12/55 or 22%. For small banks the average rate has risen from 0.26% to 0.35% or 9bp. This implies a beta factor of 9/55 or 16%.
So, real world data seems to show a beta for Transaction Accounts of either 22% or 5% depending on total asset size. For Money Market Accounts the real-world data seems to show a beta of either 22% or 16%, again depending on the bank's total asset size. As this historically low rate environment unwinds, it appears banks are moving very slowly.
Will these administered rates begin to rise faster? It certainly depends on external pressures. It's reasonable to conclude that some of the lagging behavior this time around is the result of a hangover from such a long period of low rates. To give you some perspective, the last time the Fed Funds target was 1.00% the average rate for Transaction Accounts was 0.58%. Now with the Fed Funds again at 1.00% the average rate for Transaction Accounts is only at 0.24%. We see similar compression in Money Market rates, then the rate was 0.83%, now it's only at 0.35%. Of course, back then, the bottom of the rate cycle didn't last nearly as long.
For now, when it comes to core deposit rates, banks seem to be taking it slow…which is what they've always done.
1) https://www.wsj.com/articles/the-fed-raised-rates-dont-expect-the-same-for-your-bank-deposits-1489602140
2) https://www.wsj.com/articles/bank-of-america-pays-peanuts-for-deposits-but-the-money-keeps-flowing-in-1494235801
3) http://fortune.com/2017/03/09/federal-reserves-saving-accounts-rates/
4) https://www.washingtonpost.com/news/get-there/wp/2017/03/14/why-a-fed-rate-hike-probably-wont-boost-your-savings-account-any-time-soon/?utm_term=.2316d4cfdef9
5) https://www.bai.org/banking-strategies/article-detail/deposit-strategy-in-a-rising-rate-environment
6) http://blogs.olsonresearch.com/brad/2013/06/will-they-stay-or-will-they-go.html
7) https://www.ffiec.gov/ubpr.htm
8) http://blogs.olsonresearch.com/main/2006/11/about_the_indus.html
9) more about deposit betas:
...the inaccuracy of the leverage ratio – and the resulting misallocation of capital – has worsened dramatically in recent years...
How Golf and Game Theory Apply to Capital Rules | American Banker 12/23/2015
"Regulators have been increasingly concerned that seven year and counting of near-zero interest rates has laid the groundwork for interest rate risk in the banking sector whenever rates begin to normalize. But where those effects might be seen and how widespread they will be is largely unknown"
Read the article in the American Banker:
The Financial Times posted a great piece covering the impact rising rates:
The most powerful central bank in the world is considering whether to raise its record-low interest rates for the first time in nearly a decade. Even before the US Federal Reserve makes a move, the effects are reverberating throughout the global economy. Our project explores how.
Here a link to their project: http://ig.ft.com/sites/when-rates-rise/
Too much resolution stops giving you information and becomes merely noise, which actually gets in the way of the accuracy you seek.
Seth's Blog | June 8, 2015
This reminds of another excellent post made recently by Jeff Marsico on his "Jeff for banks" blog:
"Bank Board Reports: War and Peace or Cliff Notes?":
...typical Board packages these days are filled with distractions that take valuable time away from Boards doing what they should be doing...
Jeff for banks | May 16, 2015
It may be ironic as many bankers and analysts believe that higher rates will increase bank earnings. For some unwitting banks, the opposite may be true.
Careful what you assume about rates | Banking Exchange 04-17-2015
The OCC recently published its Fall 2014 Semiannual Risk Perspective. One highlight in the document was information the OCC compiled from supervisory reviews performed in 4Q 2013 and 1Q 2014. The OCC's goal was to collect and analyze the range of practices used to measure IRR. The data collected included repricing assumptions for five deposit categories in a +/-100 bp shock analysis. A link to their data is shown to the right.
Over a year and a half ago we collected the same type of data from over 200 of our client banks (here's a link to that post.) It's interesting to compare the data as both sets look very similar. The only real noticeable difference is in the median for both Interest Checking and for Savings - the A/L BENCHMARKS data is lower than the OCC data for both deposit types. The difference is likely because the data was gathered from two different time frames almost two years apart.
Ever since 2012Q4 there has been increased industry and regulatory scrutiny of core deposit beta factors. The perception now is these deposits are much more sensitive than what was originally believed. Since these beta factors are largely subjective assumptions, I think banks have been, on average, modeling them to be more sensitive. I think this is wise. I think many banks aren't as asset sensitive as they think (this was the subject of another previous post...here.)
How do your current core deposit beta factors compare?
It shows the 10-year Treasury yield, with dotted lines representing analysts' forecasts.
(hat tip: LinkedIn post Asset/Liability Mgmt group)
As we stare into 2015 and beyond we see a time of many changes taking place. These changes will continue to pressure the ALCO management process in new ways...what are some of the challenges and concerns we see for the coming year?
Time For a Real New Year's ALCO Resolution? | Dave Koch, Farin.com
I don't think anyone, especially those outside the ALM and IRR-measurement world, would classify EVE-at-risk as a "light" subject. Indeed most discussions about EVE-at-risk quickly become multi-layered and mired in nuance. Small wonder that most bankers spend only a short amount of time paying attention to the measurement. When they do it's always a bit of struggle for them to understand the benefits of measuring EVE-at-risk.
Interestingly enough at the top of my inbox this new year was an email from a colleague with the subject, "Is EVE-at-risk a useful management tool?" Here's an excerpt:
"[I'm trying] to decide whether EVE-at-risk has any use as a management tool. I'm tired of reading that it's a measure of long-term IRR...I am an EVE-at-risk agnostic...I hear a lot of experts telling us not to manage to it. If I were to venture a guess, I'd say 90% of banks have little to no confidence in EVE-at-risk as a management tool. So long as EVE-at-risk is within policy, we're happy."
As blunt as his language is, I have to say I agree with this assessment. It matches with most of the deer-in-the-headlights discussions I've had with board members regarding IRR over the years.
But just because at times those discussions seem difficult doesn't mean EVE-at-risk isn't useful. I know that most board members will need to be convinced, but I think there are two basic steps to help them over the hurdle. First, show them how EVE-at-risk captures long-term IRR that is missed or covered-up in an earnings-at-risk simulation. And second, demonstrate how the bank's EVE-at-risk changes using a real-world relevant example.
Long-term IRR is real & earnings-at-risk simulations don't often capture it well
Several years ago I wrote an article entitled, "Earnings at risk is only a short-term view of interest rate risk." My goal was to paint a picture of what long-term IRR looks like when we look at a current balance sheet. To summarize, imagine a simple balance sheet with only long-term 10-year treasuries on the asset-side. On the funding side there is only three-year CD's and capital. I called this Simple Bank & Trust and its balance sheet generates a marginal amount of net interest income. Now, assuming there are no investment sales or calls and assuming there are no CD early withdrawals, we can project a stable amount of net interest income for this bank into the future. The simple static balance sheet will produce the same net interest income for the next three years (I'm ignoring retained earnings - again I'm trying to keep things simple.)
Is there any earnings-at-risk here? i.e. do we expect any negative change in margin given a change in market interest rates? No - not for the first three years anyway. Stress-test a one, two, or even a three-year forecast of earnings and we find little or no IRR using the earnings-at-risk measurement. I think most people would agree that while earnings-at-risk doesn't capture any exposure in this case, there is indeed IRR - it's just longer term IRR. It's the discrete time frame of the earnings simulation that limits its ability to capture longer-term risk.
Another problem with earnings-at-risk simulations is that they use future balance sheet volume projections. Regardless of whether we use a static or dynamic projection new dollar volumes are modeled. These new volumes produce income and expense cash flows that often mask or cover-up risk. Adding a little extra balance sheet growth to a forecast can go a long way toward minimizing a bank's exposure to rising rates. And let's face it - how good are we at forecasting the future anyway? Pretty-bad as it turns out.
The bottom-line is that many earnings-at-risk projections are based on future conditions we cannot predict, and future decisions we haven't yet made. The farther into the future our projections go the more impact the future assumptions have. It's hard enough to reasonably project one year into the future, let alone two. Evaluating a 5-year IRR projection is crystal-gazing in my opinion (a 5-year projection was hazardously suggested by the regulators in the 2010 IRR Advisory.)
Measuring EVE-at-risk in addition to using an earnings simulation will help us capture longer-term risk.
Real world example - how much is too much?
A few years ago I was asked this very question by one of our client banks. They were a $400MM bank located in a large metropolitan area in the mid-west. Most of their assets were short-term (loans and securities) with a duration of less than 1.5 years. Their funding was short-term as well, the bulk of which was money-market deposits that we modeled using a +100% beta factor and FDICIA305 decay (i.e. very short-term). Their overall IRR profile was very similar to other bank's with similar balance sheets. They had minimal short-term exposure to rising rates given their largely "variable-rate" only pricing policy on loans. In fact their earning-at-risk given a rate shock up showed a positive change in margin (+5.00%).
Their long-term IRR was low as well. Their EVE-at-risk was only -6.43% given a rate shock up. Given the short-term nature of their balance sheet the bank's board had previously set an EVE-at-risk policy limit of -15.00%. The limit was somewhat shorter than most banks. A more typical EVE-at-risk policy would have been between -20.00% and -25.00%, but the lower limits made sense for this bank.
Like many other banks over the past few years, this one was looking for ways to improve margin in the low rate environment. And, again like many other banks, they began to extend their investment portfolio to take advantage of higher long-term yields (the regulators warned about this "reaching for yield".) They essentially started taking their short-term on-balance-sheet liquidity and investing it long-term.
Here are the two relevant slides I pulled from my presentation to the board. The bank had $30MM invested in CDs less than one-year at roughly 0.75%. They wanted to start moving this into a much longer-term investment: 5-year/6-mo call FHLB Agencies @ 3.50%. Aside from the obvious change in yield, there was the question of extension risk and the board was asking how much money was too much to move?
Focusing solely on earnings, the CFO made a pretty compelling case. If they moved $5MM they'd improve margin by a few basis points to 3.59% in the base case. If they moved $30MM they'd improve margin considerably to 3.87% in the base case. In either scenario the bank's earnings-at-risk would be minimal. In fact, even at the $30MM investment level the projected change in margin was still positive i.e. even if rates rose margin would improve albeit only slightly (+0.48%) How compelling was the CFO's case? Convert the margin percentages into dollars and you'll see. The difference between 3.59% and 3.87% is 28 basis points...28 basis points on $400MM in assets is over $1MM, certainly enough to catch the attention of the directors.
So why not invest $30MM? Indeed why not invest even more? The short-term IRR measure couldn't adequately answer this question - it showed a positive change in margin in every scenario we ran, even at $30MM (see the slide at right.)
It was only by looking at the EVE-at-risk measurement that we could see the potential consequence. As the bank moved more and more investment long term they created more extension risk. This extension risk moved overall EVE-at-risk up to -16.82% which was outside the bank's policy limit.
So how much was too much? In this case $30MM was too much. The right amount depended on how much additional long-term IRR risk the bank was willing to take on. (On a different, but related note, it also depended on how much additional liquidity risk the bank was willing to take on.)
Balancing short-term vs. long-term risk
So is illustrating both the nature of long-term IRR and how it can be changed enough to convince you that EVE-at-risk can be a valuable management tool? I hope so - I certainly think it is. Although if you're a banker it really doesn't matter whether you buy into using EVE-at-risk or not...the regulators have bought into it. If you make enough short-term decisions to beef up current earnings it may eventually come back to bite you. The short-term versus long-term trade-off is no different for IRR than it is for any other risk. It all depends upon the board's level of understanding and willingness to take on increased risk.
Related blog posts:
Low Pressure
Eventually when rates rise
So you're not going to liquidate the bank...
Earnings simulation versus Equity simulation
A two-year forecast is too long
Unthinkable, of course it is...
Demystifying Economic Value of Equity
Relationship between earnings-at-risk and EVE-at-risk
Earnings is only a short-term view of IRR


text:
I'm new here, and I was just wondering if someone could aid me.
My question is simple:
Is redsn0w for the iPhone 2g, or iTouch 2g?
Also, what is the latest verison of it out?
(0.3 right? and that is only use with command prompt?)
P.S. I have a iPhone 2g, and updated from 1.1.3 jailbroken to 2.2.1 through iTunes 8.2. My phone is now stuck in recovery mode with now emergency call thing, even with the sim inserted.
What I have done now is that I used winpwn 2.2.5 Beta 2 in order to get the custom firmware for 2.0.1. And now I am restoring my phone through iTunes. Actually right now iTunes has just given me the error 1603, while restoring in recovery mode. I'm gonna try going into DFU and seeing if it'll work.
Hope for the best.


text:
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If you have a problem after you purchase a vehicle, it is typically because of either: (1) the car, or (2) the dealership. Let our team of attorneys go to work for you.
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Hendrickson Law Group, PC is located near the corner of E Street and Sonoma Avenue in Santa Rosa..
Copyright © 2010-2015. This is attorney advertising, and to the extent the State
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Description de poste
If you are looking for a challenge with a difference, come and join the Grant Thornton team in Luxembourg for a unique experience in a rapidly-growing international network:
We are looking for a Senior Compliance Officer (M/F)
Your mission
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Jonathan Edwards: A Careful and Strict Enquiry into the Modern Prevailing Notions of ... Freedom of Will
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text:
holgaroid hunt
yes hula, there is a holgaroid!
available here under plastic cameras (just sold out at the moment).
and here's the flickr group!
5 comments:
- andrea said...
omg! I can't believe it! another camera to add to my list... *sigh* (I haven't even broken in my holga yet)
p.s. LUURVE the new banner-- that vintage felt pennant and the type you used... divine!
- 4:51 pm, October 30, 2006
- lisa s said...
anything w/ a polaroid back rules!!
- 11:34 am, October 31, 2006
- Sharp Lily said...
this is SO exciting! who knew? thanks for the tip!
- 3:28 pm, October 31, 2006
- maditi said...
ohh, I´d so love to have one ... maybe christmas ;)
- 11:19 am, November 01, 2006
- meridith said...
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text:
Waves In
14 Knole road, Bournemouth, BH1 4DQ, United Kingdom –
|Room type
Single Room with Shared Bathroom
Max adults: 2
Max children: 1 (up to 12 years of age)
Family Room (2 Adults + 1 Child)
Double or Twin Room with Shared Bathroom
Double or Twin Room
Twin Room with Shared Bathroom
Max adults: 2
Max children: 2 (up to 12 years of age)
Family Room (2 Adults + 2 Children)
Property surroundings –
Closest landmarks
- Boscombe Beach 0.5 miles
- Bournemouth Train Station 0.7 miles
- Bournemouth Central Station 0.7 miles
- Nuffield Hospital Bournemouth 1 miles
- Queen's Park 1.1 miles
- Grosvenor Casino Bournemouth 1.2 miles
- St Peter's Church 1.2 miles
- Bournemouth Eye 1.4 miles
- Oceanarium 1.4 miles
- The Square 1.4 miles
Most popular landmarks
- Bournemouth Beach 1.4 miles
- Hengistbury Head 4.2 miles
- Mudeford Beach 4.7 miles
- Sandbanks 5.1 miles
- Brownsea Castle 5.4 miles
- Highcliffe Castle 5.8 miles
- Poole Harbour 6.8 miles
- Moors Valley Country Park and Forest 8.1 miles
- Swanage Railway 9.4 miles
- Corfe Castle 10.9 miles
Restaurants and markets
- The Clock Cafe Cafe/bar 0.1 miles
- Sainsburys Supermarket 0.3 miles
- Koi Tai Restaurant 0.3 miles
Natural beauty
- Boscombe Sea/ocean 0.5 miles
Closest airports
- Bournemouth Airport 3.9 miles
- Southampton Airport 26.3 miles
- Bristol Airport 59.3 miles
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4 reasons to choose Waves In
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Facilities of Waves In Great facilities! Review score, 8.5
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- BBQ facilities
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Pets are allowed. Charges may be applicable.
- Mini golf (Additional charge)
- Horse riding (Additional charge)
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- Cycling
- Canoeing (Additional charge)
- Library
- Bicycle rental (additional charge)
- Windsurfing (Additional charge)
- Table tennis (Additional charge)
- Golf course (within 3 km) (Additional charge)
Food & Drink
- Special diet menus (on request)
Free! WiFi is available in all areas and is free of charge.
Free! Free private parking is possible on site (reservation is not needed).
- Daily maid service
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16:00 - 21:00
10:00 - 10:30
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Children and extra beds
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There is no capacity for extra beds in the room.
Pets are allowed. Charges may be applicable.
Cards accepted at this property
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