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The $639 trillion over-the-counter derivatives market begins the largest transformation in its 30-year history today with rules intended to contain another financial crisis, trimming profits for Wall Street banks.
Companies from JPMorgan Chase & Co. to BlackRock Inc. are now required under the 2010 Dodd-Frank Act to have most of their privately negotiated swaps trades backed by a clearinghouse that's capitalized by the world's largest banks. That means dealers and their customers have to post upfront collateral to absorb losses if a firm defaults and settle daily losses.
Regulators are overhauling a market that complicated efforts to untangle the worst financial crisis since the Great Depression by obscuring how interconnected and vulnerable banks had become to each other. Executives from at least three dealers are concerned they may not be ready for a surge in cleared trades, while Sanford C. Bernstein & Co. said the rules may cut pre-tax margins at bank trading units by a third. Swaps helped produce a combined $30 billion in annual profits at the biggest dealers, consulting firm Oliver Wyman estimates.
"The shift to central clearing will transform the economics of OTC derivatives," said Bernstein's Brad Hintz, ranked by Institutional Investor magazine as the second-best analyst covering brokerage firms and exchanges. "Trade volumes should increase, but that increase is not going to offset the margin decline. Wall Street's derivative clients will be the winners."
The rules may cost New York-based JPMorgan $1 billion to $2 billion in revenue, the biggest U.S. derivatives dealer said in a Feb. 26 presentation. The bank will seek to reduce the loss with fees it can charge customers to help them trade, clear and collateralize swaps, a business JPMorgan said may produce revenue of $300 million to $500 million by 2015.
The mandate this week also will be the biggest test of trading and processing systems that banks have been building during the past several years to comply with Dodd-Frank rules.
Executives who help oversee derivatives clearing at three of Wall Street's largest banks said they were worried that the systems they've connected to clients and clearinghouses aren't ready to handle the trades. The executives spoke on the condition neither they nor their firms be identified so as not to upset clients.
Two of the executives said they aren't traveling to Boca Raton, Florida, this week for the Futures Industry Association annual conference so they can be in New York in case problems occur.
Officials at two other major dealers said that while they aren't worried about today's deadline, they are concerned their systems will be stressed in June when a larger number of firms, including banks, insurance companies and smaller hedge funds, are required to clear their swaps trades.
Money managers such as New York-based BlackRock, the world's largest asset manager, and Citadel LLC, the Chicago- based hedge-fund and securities firm run by Kenneth Griffin, have been voluntarily clearing swaps trades before today's deadline at LCH.Clearnet Group Ltd., Intercontinental Exchange Inc. and CME Group Inc., which run the three largest clearinghouses for the derivatives.
In all, clearinghouses since 2009 have processed $24 trillion in notional value of trades between banks and their customers, according to the companies. Notional values don't represent the actual money that has changed hands and are used to determine payment flows under swap contracts.
LCH.Clearnet, the world's largest interest-rate swap clearinghouse, accounts for more than $22 trillion of that total, the London-based company said last week. Intercontinental has processed $160 billion in cleared customer credit-default swaps, according to Brookly McLaughlin, a spokeswoman for the Atlanta-based exchange.
Chicago-based CME Group, which doesn't break out trades between a bank and its customer, lumping them in with contracts between two dealers, has processed $2 trillion, said spokeswoman Laurie Bischel.
Wall Street's largest banks and money managers failed to fulfill commitments made in 2010 to enable swaps customers to use clearinghouses to back trades, New York Federal Reserve Bank President William Dudley said in 2011.
While the New York Fed prodded JPMorgan, Deutsche Bank AG, Goldman Sachs Group Inc. and other dealers into clearing more than 90 percent of eligible inter-bank trades by the end of 2009, their clients resisted on concern that the potential added costs would outweigh benefits.
"What's new here is clients are getting on board," Niamh Alexander, an exchange analyst with KBW Inc. in New York, said in a telephone interview. She noted that dealers have been clearing interest-rate swap trades among themselves at LCH.Clearnet since 1999 and credit swaps at Intercontinental Exchange since 2009.
Credit-default swaps, used by investors to hedge against or speculate on the ability of companies and governments to repay their debt, played a role in the financial crisis when they were used to mimic mortgage-backed securities that plunged in value, spreading losses from the U.S. housing collapse across the globe.
The unregulated market, in which former Fed Chairman Alan Greenspan in 2006 complained trades were often recorded on scraps of paper, ballooned almost 100-fold within seven years to top $62 trillion of contracts by the end of 2007, according to estimates from the International Swaps & Derivatives Association.
That number has shrunk to about $24 trillion today, according to data from the Depository Trust & Clearing Corp., which began publishing information from its central swaps repository after the September 2008 collapse of Lehman Brothers Holdings Inc.
The mandate taking effect today is the first in a series of government decisions on the types of swaps that must be settled at clearinghouses. The five-member Commodity Futures Trading Commission voted unanimously in November to require some interest-rate and credit swaps to be the first trades under the requirement.
Rate swaps in four currencies -- U.S. dollars, euros, British pounds and Japanese yen -- must be cleared, as well as contracts on benchmark credit-swaps indexes in North America. The CFTC on Feb. 25 delayed the start of mandatory clearing for Markit iTraxx indexes tied to European companies.
"To move the largest number of swaps to required clearing in its initial determinations, the commission believes that it is prudent to focus on those swaps that have the highest market shares, and, accordingly, the biggest market impact," the agency said in its final determination.
JPMorgan and Goldman Sachs are among more than 70 registered swap dealers, the first type of trading company that must meet the requirement. Other financial entities will face a June 10 deadline, while pensions and accounts managed by other asset managers will have to start clearing trades Sept. 9. Commercial and manufacturing companies, so-called end-users of swaps, are exempt from the requirements under Dodd-Frank and CFTC regulations.
The agency expects this year to consider a clearing mandate for some commodity and energy swaps, CFTC Chairman Gary Gensler said in testimony at a Feb. 14 Senate Banking Committee hearing.
Hedge funds and money managers that were trading swaps directly with a number of banks prior to the clearing mandate should see a reduction in their margin costs, said Peter Borish, the former chief executive officer of commodities hedge fund Touradji Capital Management LP. While individual banks could lower margin requirements for its customers if positions offset each other, investors typically spread their swap trading among several dealers, he said.
With a clearinghouse, all positions are in one place, leading to an investor's entire portfolio being eligible for margin offsets, he said.
"I see that as a tremendous benefit," said Borish, who was also a former head of research at hedge fund Tudor Investment Corp.
Elsewhere in credit markets, the extra yield investors demand to hold corporate bonds globally rather than government debentures declined. The cost of protecting corporate bonds from default in the U.S. reached a two-year low. Bond sales rose for the third week. In emerging markets, relative yields narrowed for the first time in six weeks.
Spreads on company bonds from the U.S. to Europe and Asia tightened 3 basis points to 144 basis points, or 1.44 percentage points, in the period ended March 8, according to Bank of America Merrill Lynch's Global Corporate index, which reached 142 on Jan. 10, the least since April 2010. Yields rose to 2.68 percent from 2.61 percent on March 1.
The Barclays Global Aggregate Corporate Index has lost 0.88 percent this month, bringing the decline since year-end to 1.86 percent.
The Markit CDX North American Investment Grade Index, a credit-default swaps benchmark, fell 5.8 basis points last week to a mid-price of 80.6 basis points, the lowest since February 2011, according to prices compiled by Bloomberg..
The Markit iTraxx Europe Index of 125 companies with investment-grade ratings increased two basis points to 106 at 10:30 a.m. in London. In the Asia-Pacific region, the Markit iTraxx Asia index of 40 investment-grade borrowers outside Japan fell 1.25 to 101.
The indexes typically fall as investor confidence improves and rise as it deteriorates. Credit swaps pay the buyer face value if a borrower fails to meet its obligations, less the value of the defaulted debt. A basis point equals $1,000 annually on a swap protecting $10 million of debt.
Bonds of Fairfield, Connecticut-based General Electric Co. were the most actively traded dollar-denominated corporate securities by dealers last week, accounting for 3.1 percent of the volume of trades of $1 million or more, according to Trace, the bond-price reporting system of the Financial Industry Regulatory Authority.
Avon Products Inc. and Burlington Northern Santa Fe led $86.2 billion of corporate bond sales worldwide last week, following $85.6 billion in the period ended March 1, Bloomberg data show.
Avon, the world's largest door-to-door cosmetics seller, raised $1.5 billion in a four-part bond sale that included its first 30-year securities on record. Burlington Northern, the railroad that Warren Buffett's Berkshire Hathaway Inc. bought in 2010, sold $1.5 billion of debt in its first offering in more than six months.
In emerging markets, relative yields narrowed 11.1 basis points to 278.9 basis points, according to JPMorgan's EMBI Global index. The measure reached 245 on Jan. 3, the least since April 2010.
Bloomberg News


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Tagging monarchs helps understand miracle of migration
WHITEWATER--You can hear the excitement in their voices as Larry and Emily Scheunemann describe the fluttering crowd of monarchs in their clover field.
"We're really lucky," Larry said. "We've heard how no one is seeing any monarchs this year, but we've had a good year for them."
Earlier this month, the retired Janesville teachers netted and tagged 50 of the bright orange and black butterflies with adhesive dots, each the size of a baby's thumbnail.
Then they released the monarchs, insects drawn by some invisible force to the mountains of central Mexico in one of nature's unexplained miracles.
No butterflies anywhere on the planet migrate like the monarchs of North America. They are the only ones to travel 3,000 to 4,000 miles to get out of the cold to hibernate and to return north in spring.
Scientists still are trying to understand how monarchs wing their ways to winter roosts without ever having been there. The roosts among high-elevation fir trees are the same ones used by generations before them.
Tagging by the Scheunemanns and other citizen scientists helps researchers understand the timing and pace of the migration as the butterflies move south to southwest across the continent.
Each tag contains contact information, including a toll-free telephone number. Emily and Larry record when and where they tag the insects and file the information with Monarch Watch, a monarch conservation and research program based at the University of Kansas.
Six monarchs they tagged in the last four years have been recovered in Mexico.
"You think that no one will ever find one of our butterflies in the million or so that go to Mexico," Emily said. "But they do."
"The thought of a butterfly traveling all that way is overwhelming," Larry said. "Just think of the tremendous distance they cover, fluttering here and there."
Monarch numbers are down dramatically across the country but not at the Scheunemann home.
Their 30-acre oasis is lush with nectar-producing native plants, including New England asters, purple coneflowers and butterfly weed. Since moving to their rural Whitewater farm in 1988, Emily and Larry have learned what to plant to attract a healthy menagerie of insects and wildlife.
"We've gotten much better at it," Emily said. "The plants are not just for monarchs but for all butterflies. If everyone planted something in their yard of value to the insects, they could help monarchs and other butterflies."
In the future, what home gardeners such as the Scheunemanns plant may be critical to the monarch's survival.
Chip Taylor is a professor of ecology and evolutionary biology at the University of Kansas. He started Monarch Watch and has tracked monarch populations for more than 20 years.
"This will probably be the smallest migration we have ever recorded since 1992," he said. "In turn, it will probably lead to the smallest overwintering population in Mexico ever on record."
A perfect storm of events has caused the dangerous decline.
The summer drought of 2012 and excessive heat resulted in low monarch reproduction in the United States. As a result, the overwintering population in Mexico dropped by 80 percent. When the butterflies migrated into southern states this spring, they ran into low temperatures, which caused the first generation to develop slowly. The monarch cycles through three to five generations during the breeding season. By the time they reached the Midwest, they experienced a cooler than normal summer, which limited reproduction of the generation that migrates to Mexico.
In addition to the weather, Taylor said new agricultural practices are taking a toll on monarchs and beneficial insects that share the same habitat.
Historically, the U.S. Corn Belt produced half of the monarchs that migrate to Mexico. But milkweed, upon which monarch caterpillars feed, is disappearing from corn and soybean fields because of increased use of herbicides on herbicide-tolerant crops. The use of Roundup-ready soybeans, genetically engineered to resist the herbicide glyphosate, has resulted in the loss of at least 100 million acres of monarch habitat in agricultural fields since 1997, Taylor said. Also, increased demand for bio-fuels has prompted farmers to put about 25 million acres of marginal land into production, often eliminating habitats filled with milkweeds and nectar plants.
Frequent mowing of roadside ditches destroys the plants monarchs need to survive, as well, Taylor said.
In Mexico, the monarchs face more threats. Illegal logging may deplete their wintering forests, and unregulated ecotourism is disturbing their winter refuge.
But Taylor is worried about more than the monarchs.
"I am concerned about the pollinators that share the same habitat with the monarchs," he said. "About 70 percent of our vegetation out there requires pollination for fruits and berries. We lose all the bees, beetles and flies at our peril. It is serious to lose monarch butterflies because it tells us we are losing a lot of other things as well."
The Midwest is "under enormous pressure to convert land for human purposes," Taylor said. "We have to recognize that our cities, towns and little communities need to become refuges for wildlife. We have to repurpose our gardens for wildlife."
Even in a bad year, Emily and Larry show that if you plant it they will come.
They are members of the Wild Ones, a group that stresses the value of planting native flowers and forbs for beneficial insects and wildlife. Last weekend, they invited the public to be part of their monarch-tagging program. They hope they inspired a few visitors.
"People were so excited about what they were seeing," Emily said. "I wouldn't be surprised if they went home and figured out how to plant things around their homes so they can have monarchs, too."
Taylor hopes the monarch migration does not become a memory.
"The real question is how many years will it take for the monarchs to come back," he said. "That's where it gets real iffy. We are doing what we can to get the message out."
Anna Marie Lux is a columnist for The Gazette. Her columns run Sundays, Tuesdays and Thursdays. Call her with ideas or comments at 608-755-8264, or email firstname.lastname@example.com.

subset: commoncrawl


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Welcome to GunBroker.com! Here at GunBroker.com we believe that informed buyers are happier buyers. After all, even if you're an expert it doesn't hurt to have a little more information. So we like to provide you with brief summaries of popular manufacturers, models and categories like gun cleaning. You can find a wide variety of gun cleaning supplies and accessories here on GunBroker.com and be prepared to take care of any firearm you own. When you're done reading our general summary of gun cleaning head to our auction pages to find your own gun cleaning supplies.
Regular maintenance is a must for any firearm. The fine particles of gunpowder, metals and other contaminants must be removed from the gun's components regularly or buildup will lead to jamming and other malfunctions. Extreme buildup can even cause the gun to explode upon firing. Clearly regular and proper gun cleaning is a necessary part of being a serious gun owner.
You should always follow the manufacturer's recommendations for disassembling and cleaning your gun. If you buy your guns used here on GunBroker.com and they don't come with a manual or instructions, you can always contact the manufacturer or refer to our forums to ask other gun owners if they have your model's instructions or know where to find them online. While the process of disassembling can obviously vary widely between models, sometimes the recommended cleaning agents are also different depending on the finish and materials used in building the gun. Lubricant is an important part of gun cleaning and maintenance and will also have manufacturer recommendations.
You can find everything you need to keep your guns clean and in good working order even after long days at the range or in the field. Find the manufacturer-recommended cleaning supplies for a great price here on GunBroker.com. Search for the tools and supplies you need to disassemble and properly clean antique or collectible guns. While you're here think about investing in a new gun case or ammo storage so that the guns you clean so meticulously stay neat and protected while you're traveling to and from dusty ranges. Remember, our auctions update every day and sometimes every hour – if you don't see the item you're looking for, check back soon!
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Gerald K. "Gerry" Liptow, Brodhead (1935-2013)
January 30, 1935 - December 25, 2013
Gerald "Gerry" K. Liptow, age 78, of Brodhead, passed away on Wednesday, December 25, 2013, at St. Mary's Hospital, Madison, WI. He was born on January 30, 1935 in Clinton, WI, the son of Henry and Olga (Erickson) Liptow. He married Darlene Sarow on August 13, 1955 in Brodhead. She passed away on April 8, 2007. Gerry graduated from Brodhead High School in 1953. He was a member of the Moose Lodge, Janesville, and the United Methodist Church, Brodhead. He worked for General Motors of Janesville for 35 years, retiring in 1992. He enjoyed fishing, bowling, and was an avid Packer fan. He especially loved being active with his grandchildren.
Gerry is survived by a son, Dennis (Vickie) Liptow, Bluffton, IN; two daughters, Sherri Liptow, Brodhead, Connie Liptow, Evansville, WI; siblings, Mavis (Harmon) Coomer, Jeannie Phillips, both of Janesville, Henry (Beth) Liptow, Beloit, Karen (Richard) Brueggemann, Cartersville, GA; four grandchildren: Linda, Eric, Lisa, Kelli; five great-grandchildren: Austin, Alli, Derick, Valerie, Camden; and several nieces and nephews. He was preceded in death by his parents, wife, a brother, Gordon Liptow, a sister, Julie Dahlgren, and a grandson, Brad Liptow.
Funeral services will be held at 11 a.m., Monday, December 30, 2013, at the United Methodist Church, Brodhead, with Rev. Ellis "Hap" Itson officiating. Burial will be in Greenwood Cemetery, Brodhead. Visitation will be held on Sunday, December 29, 2013, from 3 p.m. until 6 p.m. at the D.L. NEWCOMER FUNERAL HOME, BRODHEAD, WI. A memorial fund will be established. Online condolences may be made at www.dlnewcomerfuneralhome.com


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Web Views for Friday, March 28, 2014
On expansion of liquor licenses: Interesting situation. The city council is concerned about alcohol abuse on this issue but is considering it in city parks for the income? Just saying.
-- hdonlybob
-- Bob, I do not think you can paint the council with such a wide brush on this issue. Yet.
-- new user
-- "Delayed" again with the "rocket science" issues. Just say yes. What is the big deal? If people have an "addiction," don't go to places that serve or don't buy anything if you go to a place.
-- ms pacman
On Al Hughes is Big Eight player of year: This is really a positive article for both sports and Janesville. Congrats to this fine young lady!
-- hdonlybob
On Rock County's groundwater: GOP legislators are working to weaken the rules for high-capacity wells in Wisconsin. They also want to ignore the limit on foreign-owned property in Wisconsin. Is it really "Wisconsin is open for business," or is it "Wisconsin is selling out to the highest bidder"?
-- buyusa
-- I wonder if anyone has designed a system for homeowners to collect rainwater and reuse it for irrigation? With all the excessive rainfall, this would come in handy if a person could store it in large tanks and use during dry months.
-- beamer
On spring elections important: If you don't know anything about the issues and how the candidates think about issues, don't bother to vote. It's more your civic responsibility to be informed than it is to vote.
-- new user
On Parkview voters: It is a good plan, but the tax base is too small to support it.
-- garyprimer
-- If you don't want to support your school district, close it up and send your kids to another district and pay them. End of all your problems! Geez, this is a no-brainer. Pass your referendum. Care about your students and your community.
-- sabreman
On victory for government transparency: I do not believe a person's name should be released until convicted. You are supposed to be not guilty unless proven in court to be guilty. Most people read an article, and because a police department released it, the person must be guilty. Not always. Police do make mistakes, and they usually are not acknowledged in the paper.
--Don Biever
-- The public has a right to know who is being arrested. Do you really want the police arresting people in secret for crimes unnamed?
-- garyprimer
To Greg Peck: "That would have helped the woman who was so busy talking on her hand-held phone Thursday that she cut the corner too sharp while I was approaching a stop sign…." So tired of this lazy driver move. Does it hurt or something to stay on your own side of the road even while turning?
-- ms pacman
-- While being on a hand-held phone surely didn't help, the fine art of making a square turn is lost on way too many people. As for Google planning to fight legislation to enable people to wear glasses that allow accessing texts and movies while driving, what the H_E_double-hockey-sticks are they thinking!
-- Solo_Voce
-- Displaying a Google Map of your directions on the windshield could be almost as dangerous as checking a paper map on the passenger seat. You would have the illusion of keeping your eye on the road while your eyeballs are trying to focus on Interstate exit numbers between the bug splatters and wiper blades.
--Kevin Goebel
-- Multitasking is only for some. I do think you need to have quick reaction speed when operating a motor vehicle under certain scenarios. Especially when driving the strip of Interstate from Avalon Road to the north side of Janesville. Certain times of day, it gets crazy on I-90/39. I wish they'd expedite widening of this section.
-- beamer


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If there was any question as to whether or not there was residual tension between Katy Perry and Sara Bareilles over their very similar sounding singles, it was all put to rest Wednesday night at the Hollywood Bowl.
For the #WeCanSurvive cancer benefit at the Hollywood Bowl, Katy brought Sara out on stage to sing her empowerment anthem, alongside the night's other headliners Ellie Goulding, Tegan & Sara, Kacey Musgraves, and Bonnie McKee. Earlier in the night, Sara closed her set by singing "Brave."
<iframe width="480" height="360" src="//www.youtube.com/embed/-NuRreRk6Bs" frameborder="0" allowfullscreen></iframe>
When "Roar," Katy's lead single from new album "Prism," came out in August, many pointed out that it sounded oddly similar to "Brave," Sara's lead single that came out in April from her new album "The Blessed Unrest." The comparison spawned a number of online parody comparisons (this one was always our favorite).
For the record, both women have previously said multiple times that there has never been any bad blood between them. In fact, they feel it's been a made up issue, stirred up by zealous fans and the media.
"Katy's a friend of mine and we've known each other a really long time, so she even texted me about it and we went back and forth," Sara told ABC News Radio in August. "The shame that I feel that's happened is that it's become a drama. It's putting this negative spin on two artists that are choosing to share positive messages."
"If I'm not mad I don't know why anybody else is upset. I'm like, 'Relax, let's just celebrate that we can be out there and encouraging people to, like, feel strong and empowered,'" she added.


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Collax Business Server is an all-in-one Linux server for small- and medium-sized businesses. It delivers all the important network services within a heterogeneous business environment for communication, infrastructure, compliance, groupware, and storage, all in a reliable and secure way which is easy to manage. It also provides essential security functions such as firewalling and virus and spam filtering, to protect against hacker attacks, viruses, and unsolicited email messages.
Collax V-Cube+ is a HA cluster management suite based on a 64bit Linux system and KVM to provide server virtualization. It offers solutions for single virtualization hosts, as well as high availability management on two or more nodes, allowing embedded HA storage using DRBD and iSCSI. By using live snapshots, automatic live migration, and incremental backups, the availability of virtual machines is increased tremendously in case of hardware and software maintenance or even hardware failures. Virtual network switches and the protocols GVRP, LLDP, and RSTP help to set up a virtual DMZ.
Capstone is a disassembly framework with the target of becoming the ultimate disasm engine for binary analysis and reversing in the security community. Running on Windows, Mac OS X, Linux, FreeBSD, OpenBSD, and Solaris, it can disassemble ARM, ARM64 (ARMv8), MIPS, PPC, and x86 architectures. Capstone provides rich details about disassembled instructions along with useful semantic information.
BitWrk is creating a marketplace where participants can buy or sell computing power like stocks in a stock exchange, using Bitcoin as currency. The client software can be integrated with existing, compute-intensive applications (e.g. rendering software), creating a big boost by harnessing the combined computing power of the BitWrk network. Sellers earn money by putting their hardware to work, offering an alternative to Bitcoin mining.
Weed-FS is a simple and highly scalable distributed file system. There are two objectives: to store billions of files, and to serve the files fast! Instead of supporting full POSIX file system semantics, it implements only a key-file mapping. Instead of managing all file metadata in a central master, it manages file volumes in the central master and lets volume servers manage files and the metadata. This relieves concurrency pressure from the central master and spreads file metadata into volume servers' memories, allowing faster file access with just one disk read operation. It is modelled on Facebook's Haystack design paper. Only 40 bytes of disk storage are required for each file's metadata, and disk reads are O(1).
filegive easily sends or receives files point-to-point, with authentication and ciphering, and the other side only needs a Web browser. No third party server is involved in the transfer. It can use common NAT traversal protocols like uPnP and NAT-PMP, manually forwarded ports, or a public ssh server.


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If you're looking for the perfect finishing touch for your home, why not take a look through our rug collection. We have the largest choice of oriental carpets and rugs in the UK including hand-woven masterpieces from all over the world. You can see the full selection at our superb showrooms where over 30,000 designs are displayed.
From Persia and Afghanistan to India and China, our rugs come in all shapes and sizes and every kind of design from traditional to contemporary. There's a beautiful rug from FrithRugs to suit every home and you can view many of them right here. Which one will you choose?
A beautifully designed rug can prove to be the finishing touch when added to any room in your home. Frith Rugs are the UK's leading rug company, particularly specialising in exclusively handcrafted oriental rugs as well as unique pieces that you simply will not find anywhere else. Browse our entire collection at the click of a button and order your favourite rug design in any size - and what's more, we can deliver your purchase straight to your door free of charge, saving you time and money and bringing our stunning designs to thousands of homes throughout the UK as quickly and efficiently as possible.
Rugs UK
Naturally your existing décor will be one of your main considerations when searching for a new rug, which is why Frith Rugs stock such a wide variety of styles and colours, including our eye-catching modern rugs collection. Compare such respected brand names as Brink and Campman, the leading designers in Europe, or those looking for an attractive focal point for their home may be enticed by the colourful Danielle collection. For a more low-key look you may wish to opt for the earthy tones of the Emily range or the understated sophistication of the Mystic collection. Not only do these rugs look amazing, they are handcrafted to the highest standards and are well-renowned for their durability, which ensures that you can enjoy your purchase for years to come.
Frith Rugs offer large rugs of practically any dimensions – simply inform us of your preferred measurements when purchasing your rugs online. Large rugs, manufactured to be a talking point, brighten up a room and provide decorative warmth to your living room or hallway, or perhaps even under your dining table for a subtle effect. You may wish to buy underlays for your rugs if they are to be placed on a hard floor, as this is the safest way to enjoy your rug as well as prolong its life. For your peace of mind, we are also happy to advise you on all aspects of care and cleaning should the situation arise.
Oriental Rugs
Our oriental rugs are weaved to perfection and are a popular choice for buyers online who are looking for something with an original twist. When it comes to oriental carpets and rugs, you are able to choose from an impressive range of different looks, with everything from Chinese dragon designs to needlepoint impressions and intricate patterns, all from the highest quality fabrics, including luxurious silk or woollen materials that are weaved to last. It's also worth remembering that a large number of these rugs online are available in a huge variety of shapes and sizes, so are ideal for enhancing almost any living space, no matter how small or large. We stock an unbeatable range of hall and carpet runners and circular rugs too for your convenience, so your favourite product is available in whichever dimensions you require.
Afghan rugs are a favourite amongst first-time buyers and the more experienced rug enthusiasts, mainly thanks to their incredible quality and reliability. The stunning, intricate designs are a sight to behold and can be a beautiful addition to your living space for an extremely reasonable price. As such a trusted rug company it is only natural that all of our Afghan rugs are hand-knotted and made from the finest wool and silk materials.
Rug Company
For a luxurious feel and a look of real quality and sophistication, you can opt for one of our hand-knotted Chinese rugs. A full selection of these amazingly durable rugs are available to view on our site but remember, if you're looking for a more detailed picture of any of our products, you are welcome to enquire and we can supply you with such pictures on request.
Opt for the earthy tones of our Persian rugs and add subtle rustic charm to any living space. At Frith Rugs you're able to choose from a huge selection of Persian rugs, some of which are village-made by the locals themselves and are decades old, so if you're looking to impress guests with a unique centrepiece for your living room or hallway you really should consider purchasing one of our vibrant Persian rugs.
Customers should bear in mind that the selection displayed on our site is only a small fraction of the variety of products we actually offer – for more information or to view even more rugs in the UK simply pop into one of our nationwide stores.


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Round 2 at Keramas: Quality Will Out
NINE point floaters on your backhand? If there was a script about goofies struggling it lies in tatters on the floor of the changing room at the Oakley Bali Pro. Other than that it went to the form book.
Being goofy used to be a hinderance on the World Tour, kinda like a left-handed person being forced to use their right hand by some 1980s school teacher unable to accept deviations from the norm. By the end of Round 2 here no goofy surfer had lost a heat, which must be some kind of record. Getting up-and-down in the plunging Keramas lip it was decided is easier on your backhand than timing turns on your forehand - said the people in the know. Richie Porta, head judge, said the scores are coming from "all-over" with this high performance wave producing returns on barrels, airs and all flavours of turns.
Adrian Buchan took the day's high single-wave score of a 9.67 out of a possible 10 for a series of blistering backhand assaults and elevator drop floaters.
"When the wind comes up, I think there are less opportunities for barrels," Buchan said. "I think this wave really suits goofy-footers. I've had a few close heats this year, but I feel like my surfing has been there and my equipment is feeling good.. There were some opportunities out here for me this afternoon and I went as hard as I could at them."
Kelly Slater said: "There are some really good waves out there when they come. Still though, I'm two for two on slow heats. The waves are fun when they come through, but there just weren't a lot in mine. I was happy to get a couple of good waves at the start and that really put the pressure on Jack Robinson."
Bruce Irons was reportedly a bit worse for wear after a late night for his Round 2 heat. Stab reported: ""It seems BI isn't an early morning person, and had attended a function the night before. "It's fricken early, isn't it?" he was heard muttering to Taj." Whether that is true or not he looked a shadow of his former self in the two heats he has surfed at Keramas.
An interesting point we heard made was an observation saying that swells often hang around a little longer at Keramas when compared to other spots in Bali. This is not magic, rather down to the spot's exposure and orientation, preferring a south swell. For example: as a storm marches west deep down in the Indian Ocean the resultant swell to Indo will move increasingly southerly (the angle moves anti-clockwise). However with this swell we're not seeing too much of that movement due to the angle of the initial storm. What we are seeing however is the remnants of the swell, a not-to-be-sniffed-at, 3ft at 14 seconds mixing in with a dose of local trade/wind swell pointed direct at Keramas and in the 4ft at 9 seconds region for the down days.
Wednesday (June 20th, Day 3) provided a decent sized wave to finish the final couple of rounds of Round 2.
Moving on, the Keramas forecast promises to deliver a small southerly pulse for the 22nd and 23rd. A further, larger, but more westerly pulse is expected for the 24th and 25th and still holding through the 26th. This is less than ideal swell direction for the primary venue.
However, keen eyes are inevitably drawn to the 27th and the big southerly pulse which is looking increasingly probable. It's a big swell, what we would call in-house a possible 'Padang swell' albiet with a chance of problematic trade winds. More on this soon.
All the Heats on Demand are available HERE
Heat 1: Kelly Slater (USA) 18.17 def. Jack Robinson (AUS) 3.43
Heat 2: Taj Burrow (AUS) 13.50 def. Bruce Irons (HAW) 3.14
Heat 3: Joel Parkinson (AUS) 16.10 def. Oney Anwar (IND) 14.03
Heat 4: Josh Kerr (AUS) 13.00 def. Dusty Payne (HAW) 11.00
Heat 5: Gabriel Medina (BRA) 17.80 def. Willian Cardoso (BRA) 8.77
Heat 6: Sebastian Zietz (HAW) 15.23 def. Kieren Perrow (AUS) 11.60
Heat 7: Julian Wilson (AUS) 15.70 def. Raoni Monteiro (BRA) 12.77
Heat 8: Adrian Buchan (AUS) 17.13 def. Adam Melling (AUS) 10.44
Heat 9: Kai Otton (AUS) 14.90 def. Alejo Muniz (BRA) 8.17
Heat 10: Miguel Pupo (BRA) 12.77 def. Bede Durbidge (AUS) 12.70
Heat 11: Putra Hermawan (IDN) 12.00 def. Brett Simpson (USA) 11.07
Heat 12: Matt Wilkinson (AUS) 14.90 def. Kolohe Andino (USA) 13.50
Heat 1: Taj Burrow (AUS) vs. Miguel Pupo (BRA)
Heat 2: C.J. Hobgood (USA) vs. Adrian Buchan (AUS)
Heat 3: Joel Parkinson (AUS) vs. Damien Hobgood (USA)
Heat 4: Josh Kerr (AUS) vs. Filipe Toledo (BRA)
Heat 5: Sebastian Zietz (HAW) vs. John John Florence (HAW)
Heat 6: Kelly Slater (USA) vs. Putra Hermawan (IDN)
Heat 7: Mick Fanning (AUS) vs. Yadin Nicol (AUS)
Heat 8: Jeremy Flores (FRA) vs. Julian Wilson (AUS)
Heat 9: Nat Young (USA) vs. Kai Otton (AUS)
Heat 10: Adriano de Souza (BRA) vs. Matt Wilkinson (AUS)
Heat 11: Gabriel Medina (BRA) vs. Michel Bourez (PYF)
Heat 12: Jordy Smith (ZAF) vs. Fredrick Patacchia (HAW)


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Firefighters battling grass fire
Friday, April 11, 2014
TOWN OF NEWARK—Orfordville firefighters are at the scene of a grass fire in the 12000 block of W. St. Lawrence Avenue in the town of Newark, according to a lead dispatcher at the Rock County Communications Center.
The fire was reported at 1:36 p.m. Friday, she said.
This story will be updated when new information becomes available.


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Data are observations or facts which, when collected, organised and evaluated, become information or knowledge.
Data item
A data item is the smallest piece of information that can be obtained from a survey or census.
A dataset is data collected for a particular study. A dataset represents a collection of elements; and for each element, information on one or more characteristics is included.
An outlier is an extreme value of the data. It is an observation value that is significantly different from the rest of the data. There may be more than one outlier in a set of data.
Sometimes, outliers are significant pieces of data and should not be ignored. In other instances, they occur as a result of an error or misinformation and should be ignored. The decision to include or exclude an outlier needs to be clearly justified when discussing results.
The weights (in kilograms) of 30 students were measured and recorded in the stem and leaf plot shown in Figure 1. In this case, the stem is the whole number values and the leaves are the decimal values. The outliers are 56.3 and 67.7.
An observation is a single piece of data about a variable
Independent variable
An independent variable is the variable whose values are independent of changes in the values of other variables. It its the variable deliberately controlled or changed to assess changes in the dependent variable.
Dependent variable
A dependent variable depends on the independent variable.
Categorical variables
Nominal variable
A nominal variable describes a name or category. For example, for the variable 'method of travel to school' all its values are words such as bus, walk, car and tram. Nominal variables are often referred to as categorical variables.
Ordinal variable
An ordinal variable is a number that represents a category. For example, postcodes and school year levels.
Numerical variables
A numerical variable is one that describes a numerically measured value. Numerical variables can be either discrete or continuous.
Continuous variable
A continuous variable is a numeric variable that can take any value within a certain range. For example, distance, age and temperature are continuous variables.
Discrete variable
A discrete variable can only take a finite number of values within a certain range. An example of a discrete variable is the number of children in a family – a family can have 0,1,2 or 3 children but not 2.5.
Class interval
A class interval is a group of data values for a variable. The intervals are generally the same size – for example, 4-6, 7-9 and 10-12. However, the intervals may have different sizes such as 4-6, 7-9 and 10-14. The boundaries of class intervals must not overlap so that each observation can be allocated to only one interval.
An estimate is an inference for the target population using information obtained from a sample of the population.
A part of a population selected for the purpose of studying certain characteristics of an entire population of interest. A sample is used to represent the population. You can often get a response form a sample where it would not be possible to get a response form every member of the population.
Sample size
The sample size is the number of units, including persons, households, businesses and schools etc, being surveyed. In general, the larger the sample size, the smaller the sampling error.
Random sample
In a random sample, all units in the target population have an equal chance of selection.
Simple random sample
All members of the sample are chosen at random and have the same chance of being in the sample.
A Tattslotto draw is a good example of simple random sampling. A sample of six numbers is randomly generated from a population of 45 with each number having an equal chance of being selected.
Systematic random sample
The first member of the sample is chosen at random then the other members of the sample are taken at intervals.
Stratified random sample
Relevant subgroups form within the population are identified and random samples are selected from within each strata.
For example, a school has 24 Year 7 students. Eight of the students are 11 years old, twelve are 12 years old and four are 13 years old. The strata are the ages of students.
To take a stratified sample, select one quarter of the students in each age group – for instance, two students form the 11-year-olds, three students from the 12-year-olds and ones student who is 13 years old.
In this example, the strata are proportionally represented; however, this will not always be the case. The important thing to remember is to take a random sample from each strata.
Non-random sample
In a non-random sample, the chance of a member of the population being in the sample is unknown. The accuracy of the sample in representing the population is unknown.
Quota sample
This is a type of stratified sampling in which selection within the strata is non-random. Quota sampling requires setting a number of participants to include in a survey – usually a proportion of the population.
Take the example of Year 7 students from the stratified random sample above who are in strata of age groups. Unlike stratified random sampling where participants are selected at random, participants in a quota sample are selected to fill the quotas.
For instance, the first 15 twelve-year-old Year 7 students to arrive at school on any given day may be selected. However, this sample may not be representative of all twelve-year-olds in Year 7.
Convenience sample
In a convenience sample, participants are selected by how easy it is to reach them.
For example, the first ten students to walk through the front gates of the school is an easy sample to take. Convenience sampling does not produce a representative sample of the population because people or things that can be reached easily and conveniently are likely to be different to those that are harder to reach.
Volunteer sample
This is where participants volunteer to be part of the survey.
Phone-in sampling is a common method of volunteer sampling used by television and radio stations to measure public opinion. People are asked to telephone or SMS their vote on a particular issue by a certain time. There is no control over how many people vote.
There are two main problems with this type of sampling. Firstly, there is no limit to the number of times a person can vote, and secondly, those not interested in voting will not be included in the sample. People who don't call in may have different views to the people who are calling in.
Additionally, only those watching television or listening to the radio know that there is a survey taking place.
As such, volunteer sampling is unlikely to produce a sample that accurately represents the population.
Sampling error
Sampling error is the difference between an estimate derived from a sample survey and the true value that would result if a census of the whole population was taken.
Non-sampling error
Non-sampling errors are not caused by sampling methodology. They can be made by participants and interviewers when the questionnaire is being filled in. or they can happen when the questionnaire is being processed.
Cumulative frequency
Cumulative frequency is the total of a frequency and all frequencies below it in a frequency distribution. It is the running total of frequencies.
Relative frequency
Relative frequency is another term for proportion. It is the number of times a particular observations occurs divided by the total number of observations.
The distribution of a variable is the pattern of values of the observations.
Graphs and displays
A chart is a visual representation of data. Bar, line, pie and other types of charts are examples of charts.
Box and whisker plots (often called 'box plots') can be used to show the interquartile range. Figure 1 shows a box and whisker plot of student ages.
Notice that a scale is drawn underneath. Box plots can be drawn horizontally or vertically.
Frequency distribution tables can be used for nominal and numeric variables.
Twenty people were asked how many cars were registered to their households. The results were recorded as follows: 1, 2, 1, 0, 3, 4, 0, 1, 1, 1, 2, 2, 3, 2, 3, 2, 1, 4, 0, 0. This data can be presented in a frequency distribution table – see Figure 2.
Stem and leaf plots are a convenient way to organise data. Each observation value is considered to consist of two parts - a stem and a leaf.
In the stem and leaf plot (fig 3):
Time series
A time series is a collection of observations of well-defined data items obtained through repeated measurements over time. For example, measuring the value of retail sales each month of the year would comprise a time series.
The ABS defines a trend as the long term movement in a time series without calendar related and irregular effects, and is a reflection of the underlying change in that measure. It is the result of influences such as population growth, price inflation and general economic changes.
Summary statistics
For example, find the mean of these numbers 5, 3, 4, 5, 7, 6.
The median is the middle value of a set of odd numbered data, or the mean of the middle two in an even numbered set after the data have been placed in ascending order.
For example, dataset A contains 3, 7, 1, 9, 2, 5, 9. Rearranged in ascending order it becomes: 1, 2, 3, 5, 7, 9, 9. The middle number is 5 so, the median is 5.
Dataset B contains 1, 3, 4, 5, 10, 12, 13, and also has a median of 5 although the values of the data vary considerably.
The position of the median can also be found by using the formula (n + 1) ÷ 2 , where n is the number of values in a set of ordered data.
For dataset A: n = 7
The above example is for an odd number of observation, i.e. n = 7. However, an extra step is necessary when the number of observations is even.
For example, if n = 8 then
The median value is decided by its location in the ordered dataset and not because of its actual value. Notice that the values of the other members of the dataset are not taken into consideration, only their position. There are as many values above the median as there are below.
The median is usually calculated for numeric variables but may also be calculated for an ordinal nominal variable.
The mode is the most frequently observed value in a dataset. Mode is the only measure you can use when the data is categorical and has no order – for example, place of birth, favourite colour and hair colour. As the dataset is not numbers, you cannot add and divide, so you cannot find a mean. The dataset cannot be sorted from smallest to largest so you cannot find the middle value and median. The mode does not necessarily give an indication of a dataset's centre. A set of data can have more than one mode (see Figure 1).
For example, a group friends in Year 10 have the following hair colours: red, brown, blonde, black, blonde, black, brown, brown, black, blonde, brown, brown, black.
The range is the actual spread of data including any outliers. It is the difference between the highest and lowest observation.
Range = maximum value – minimum value
For the following dataset of students' ages: 17, 15, 14, 16, 14, 15, 16, 12, 17, 13, 12, 17, 13, 16, 15
Five number summary (quartiles)
This is a useful way to summarise data. It consists of:
Standard deviation
Standard deviation (s) is the measure of spread most commonly used when the mean is the measure of centre. Standard deviation is most useful for symmetric distributions with no outliers.
The standard deviation for a discrete variable made up of n observations is the positive square root of the variance as show in Figure 3.
Fig 1 Unimodal, bimodal and multimodal
Fig 2 Quartiles
Fig 3 Standard deviation formula


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Janesville turns a profit at park concession stands
JANESVILLE--Janesville's recreation department made money in 2013 running its park concession stands, and Director Shelley Slapak hopes it can make even more in coming years.
The city cleared about $8,000 on concessions in 2013. That's about what the city received from a private concession company in 2012, she said.
The city in 2013 had about $5,000 in one-time expenses Slapak doesn't anticipate in future years. Those purchases included popcorn machines, nacho and pretzel warmers, a snow cone machine, a beer cooler and refrigerators.
The contracted concession operator had supplied that equipment.
The city also spruced up its three concession stands by deep cleaning, painting and installing cabinets, Slapak said.
Concessions are sold in Palmer Park at the east pavilion by the wading pool, at Rockport Pool and at Dawson Ball Fields.
The city hired part-time workers, some of whom had worked for the previous vendor. Several got their bartender's licenses so they could serve beer at Dawson. Those workers were paid a higher rate than those workers at Rockport and Palmer.
The city had hired a concessionary for many years and some years received payments as high as $15,000, Slapak said. But in recent years, the city's payments shrunk.
Slapak said she always wanted to try running her own stands.
"In times we are searching for additional revenue, this is an opportunity for us to get more revenue than what we were seeing with the concessionary," she said.
"I knew it would be more work on our end—which it has—but I was willing to take on that role in anticipation of the additional revenue."
Slapak said several factors in 2013 could have resulted in less revenue for the city.
The summer was cool, which likely affected sales at the pools.
She also offered only prepackaged foods to avoid getting licenses and the required inspections from the county health department. That meant a limited menu.
Slapak said next year she would consider getting a license and expanding menu items at one site, possibly Dawson, where hot dogs might sell well, for example.
Slapak said she and her staff learned a lot last summer. The department purchased an extra refrigerator at Rockport to stock more ice cream to avoid stocking every day, for example.
Slapak last year learned how much food to purchase.
"With having all the expenses and still making $8,000, I think I'm pretty happy with that," Slapak said.
Beer sales at Dawson Ball Fields went well in 2013 and did not cause any problems, Slapak said.
In fact, ejections went down from six in 2012 to three in 2013.
The city sold 3,777 cans of beer at Dawson for total of $9,400.
Dawson Fields is the latest venue where the city council OK'd beer consumption on public property.
At the same time, the council allowed alcohol use in several park pavilions and at the senior center for a fee.
The council has long allowed alcohol on the golf courses and at Rotary Gardens.
Several years ago, the council allowed beer sales during Janesville Jets games to help attract the team here.
Dire outcomes are predicted every time the council considers expanding sites where alcohol can be consumed.
Few problems over the years have been reported, officials have said.
Slapak acknowledge she was a bit leery of beer sales at Dawson because of the past controversies.
"I'd hoped we wouldn't have any issues, and we really didn't" Slapak said.
"People were respectful.
"They followed the rules."


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Storms bring minor damage, flooding to southern Wisconsin
A series of thunderstorms hit southern Wisconsin throughout the day Monday, downing trees, tree limbs and utility lines and causing minor flooding.
One of the storms that hit Rock and Green counties came in the evening, hitting Beloit from the south around 8:30 p.m. Emergency responders could be heard dealing with traffic and downed trees and wires.
No injuries were reported.
A round of storms that passed through Walworth County earlier in the day produced large hail, according to the National Weather Service at Sullivan.
A tornado warning was also issued for eastern Walworth County at about 4:35 p.m. after rotation showed up on weather radar, said Marc Kavinsky, weather service meteorologist. That warning was cancelled after less than 20 minutes.
In Rock County, a couple of waves of heavy rain Monday afternoon caused street flooding that led to closures.
Edgerton shut down traffic on a half-mile stretch of Highway 51 between West Rollin Street and Cherry Street for a time.
Edgerton Fire Chief Brian Demrow said runoff overwhelmed storm drains near downtown, and the downtown stretch of Highway 51 was temporarily shut down for safety.����
At 9:30 p.m., Rock County sheriff's Sgt. Troy Egger said deputies were busy with storm calls, but no major damage was noted.
"At this point, it's all been just a few trees down. Nothing major at this point, Egger said.
Egger expected calls about downed trees would increase as the storms left the area and people went outside.
Residents reported a funnel cloud near Footville that never touched the ground and dissipated quickly, Egger said. A deputy was dispatched but arrived too late to see the funnel, so it could not be confirmed, Egger said.
More than 1.35 inches of rain was recorded in Janesville before the new wave of storms hit Monday night. Those storms added another half inch by 9:35 p.m.
Last updated: 9:39 pm Monday, May 12, 2014


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Sometimes less is more. Take virtual cards—credit cards without the plastic—which are seeing increasing use by corporates.
"We definitely see significant growth in virtual cards," said Andrew Gelb, Citi's North America head of treasury and trade solutions.
Gelb said companies like the rebates they get when they use cards to make payments, as well as the amount of data that is transmitted with card payments and the benefits the card's payment terms can provide for the payee.
Nancy Atkinson, a senior analyst at Aite Group, a technology research and advisory firm, agrees that the use of cards for business-to-business (B2B) payments is growing, particularly the use of virtual cards. But the total numbers are still small, with cards making up just 2.5% to 3% of B2B payments. "Payers are particularly interested," Atkinson said, because of the rebate that cards provide to the purchaser. "You can become a profit center instead of a cost center."
Virtual cards consist of numbers like those that identify credit cards, numbers that are used to route payments through the card companies' settlement systems. Companies that pay with virtual cards have a set of numbers that can be reused. Like regular credit cards, virtual cards entail the payment of an interchange fee by the company being paid.
Virtually 100 Percent Virtual
Sonoco, a South Carolina-based manufacturer of packaging products with $4.81 billion in 2013 revenue, replaced almost all of its procurement cards with virtual cards in 2011. Scott Cameron, Sonoco's finance manager for supply management, said the company made the change after realizing that many employees weren't complying with the requirement that they submit a purchase order before charging something to their cards. "A lot of times they'd call over the phone, order it, and then they'd enter a purchase order after the fact," he said.
Sonoco's CFO was uncomfortable with the lack of compliance, Cameron said, while the accounting department perceived risk in the more than 600 procurement cards being used in the company's businesses in the U.S. and Canada, which had a combined credit limit of about $24 million.
Now that Sonoco uses virtual cards, employees who need to buy something submit a request in the Ariba e-commerce network. Once the request is approved, Ariba sends an encrypted message to the bank, which funds a virtual card and sends that information to Sonoco, which adds it to the purchase order and sends it on to the supplier.
"After a certain amount of time we go in and zero it out, and the number can be reused," Cameron added.
The file from the bank has information that ties to the purchase order, so reconciliation is automatic, Cameron said. And virtual cards aren't funded until a purchase order has been approved, which limits the potential for fraud. If a fraudster tries to use a number that hasn't been funded, the bank rejects the charge, he said.
The company has no limit on the size of transaction that it will use a virtual card to pay for, but if the supplier does, Sonoco will pay by check. If a supplier objects to paying interchange, Sonoco pays by ACH or check, Cameron said.
"Some object to paying interchange on any amount," he said. "Some suppliers prefer to be paid that way because they get their money faster."
Advantages for Payers
Masco Corp., a Michigan manufacturer of home improvement and building products, started using virtual cards at one of its business units in March 2013, said Marcel Santiz, the company's director of treasury.
Implementing the program went smoothly, said Santiz, pictured at left. "In fact, the virtual card process has exceeded our expectations fairly significantly."
One plus for companies that pay via any type of card is the rebates they get back.
At both Masco and Sonoco, the rebates go to the department or business unit making the purchase. "They have to do the work, so they get the benefit," Cameron said.
The advantages for payers include the fact that if a payment made using a credit card requires the filing of a 1099 form, the credit card company files the form, Santiz said. And there are no escheatment issues of the type companies encounter with checks, he said. "If [a payment] is not claimed, it will be returned back to us, so it doesn't have to be escheated."
But what's in it for suppliers, given that they have to pay an interchange fee?
Santiz said vendors like the "ease of payment application."
"With a virtual card you can get an email with information about the payment in it as well as the remittance advice, all in one place," he said. "There's an advantage to the recipient there." In contrast, the remittance information for an ACH payment might come in a separate email, he said, or it might not come at all.
Moreover, companies that are paid by card don't have to hand over their account numbers as they would with an ACH transaction. "A lot of companies, especially the smaller shops, the mom-and-pop type shops, don't want to give out their banking information," Santiz said. "A virtual card means they don't have to give that information out."
Suppliers may also have a merchant account that earns them perks, such as reward points, he said.
Santiz notes that many of a company's vendors may already be accepting credit cards. "It's not hard for any one of the [card] providers to take a vendor master file and bump it up against the list of vendors already being paid by this method," he said. "You can get a good idea of the kind of hit rate you're likely to have."
"There's no reason that you shouldn't pay a company like that by card," he added. "Their profit margins price in that they're taking credit card payments from customers."
Interchange fees traditionally worked against the use of cards for big-ticket items, but credit card issuers now charge lower fees for larger purchases.
Virtual Cards for High-Value Payments
"In some cases, for specific high-value payment streams, the associations work with lower interchange rates," said Citi's Gelb, pictured at right. "We definitely see a trend toward more high-value invoice-based payments being done with virtual cards."
But Mark Webster, a partner at consultancy Treasury Alliance Group, said that for companies operating on thin margins, paying an interchange fee can represent a substantial hit.
"Now, there is certainty of payment" for suppliers paid by card, Webster said. "And I'm not trying to say that there aren't companies that are happy to take cards. But for large transactions, even with the adjustments the card companies have made to interchange fees, "it still becomes a very expensive transaction compared to a check," he said.
According to Aite's Atkinson, interchange fees are not as big an issue as they used to be. In the current environment, with many small businesses experiencing liquidity problems, "many will decide it's worthwhile to pay the interchange and get the payment in two days instead of, say, 45," she said.
Paying by card "isn't going to be the dominant payment method, but it's an important one and a way of [providing], essentially, supply chain finance," said Dennis Sweeney, a managing director and treasury solutions executive at Bank of America Merrill Lynch. "I'm going to pay a vendor, and he can get that money now even though I haven't paid my card company yet. It puts liquidity into the system, and that can be very beneficial in some situations."
Read the March Special Report on Liquidity & Cash Management.
The March to E-Payments
SEPA Facilitates Making Payments for Subs
Cash Flow Management in a Basel III Worldo
Best Practices for Payments & Working Capital Optimization
The Year Ahead for Treasury: Promising Signs for 2014
Simplifying Global Account Structures for Payments and Collections


text:
90's Swoosh Weekend Shorts
90's Swoosh Weekend Shorts
orig: $64.95
Sale Price: $26.21
- 100% polyester but feels as soft as cotton - Guaranteed.
- Vibrant full color print, front & back
- Design will never peel, flake or crack
- Soft to the touch
- Will not fade
- Printed on our sustainable eco-friendly fabrics
- 4 Way Stretch
- Adjustable Elastic Waistband
- 2 Front Pockets
Design covers the front and back of this product.
Our return policy is effective for 30 days. To be eligible for a return, your item must be unused, in the same condition that you received it, and it must also be in the original packaging. Sorry, no returns on orders under $20. We'll do anything we can to help get you the exact item you need.
Refunds (if applicable) If you would like to return your item, please send an email to firstname.lastname@example.com
If you would like to cancel a made to order item(s) for which the order was placed 3 or more days prior you will be charged a 15% cancellation fee on account of the cost we incur for the item already being in production. Please make sure to read our item descriptions carefully to verify whether you are purchasing a made-to-order or ready to ship item.
Exchanges (if applicable) We only replace items if they are defective, damaged, or need a size replacement. If you need to exchange it for the same item, send an email to firstname.lastname@example.com


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Aurelia Cana
Aurelia Cana - Why hire a real estate agent?
The reasons for hiring a Real Estate Agent such as Aurelia Cana depend upon the situation. Are you looking for a real estate agent in order to buy a home? Or is it to buy a commercial building? Is there a particular type of real estate agent that you are looking for? A buyer agent, or seller agent? What cities does the agent serve?
Although starting with the real estate agent website AgentLighthouse.com is an important first step in finding the right real estate agent, you will have to do your research to find a real estate agent that is appropriate to your particular situation.
What can you tell me about real estate agents such as Aurelia Cana?
Real estate agents on AgentLighthouse, such as Aurelia Cana are trained in the buying, selling and renting of properties on the behalf of their clients. They typically have knowledge about the communities they serve and the state of the market. They act as guides for their buying clients in identifying properties that meet their needs by generating a list of suitable properties and accompanying them to view the houses they might like. For a real estate agent such as Aurelia Cana the job involves many aspects: financial, sales and emotional, especially in home buying or selling as it is one of the biggest decisions a person can make.
If possible, get a personal recommendation, and ask for references.
What else do I need to know about hiring a real estate agent like Aurelia Cana?
A real estate agent such as, Aurelia Cana may also be a broker. The difference is that brokers are licensed to manage their own business, while agents are not. Agents may work under brokers, and as a consumer you may not see a distinction as they both help their customers buy and sell homes.
Look at the situation that requires you to find a real estate agent. Ask yourself if the real estate agent specializes in homes or commercial properties, and see if you can obtain a referral and a recommendation to the real estate agent you are considering.
- Further Research
- LinkedIn for Aurelia Cana
- Realtor.com for Aurelia Cana
- Zillow.com for Aurelia Cana
- Trulia for Aurelia Cana
- Facebook for Aurelia Cana
Listing Details
Advance Realty Express, LLC
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Agreement readied for Delavan hotel
Gazette Staff | December 12, 2013
DELAVAN—An agreement between a developer and the City of Delavan could help get a new business started—and keep it up and running.
On Tuesday, the Delavan City Council unanimously approved a developer's agreement with Best Hospitality, the group that bought the former Delavan House Hotel, 215 E. Walworth St., in the heart of the city's downtown.
"This has been on the top of the council's priority list for a number of years," said Delavan City Administrator Denise Pieroni. "We are very excited to see it move forward."
See more at: http://www.gazettextra.com/article/20131210/ARTICLES/131219962/1132


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Beer and Cheese Notes: Bink Bruin from Brouwerij Kerkom
The first Saturday I had off after BBQ season finished, I finally got around to trying Brouwerij Kerkom's beer Bink Bruin. It is phenomenal. I had it with dinner, a grilled salad sort of thing: grilled steak tips (medium rare) on my own garden arugula with grilled tomato and apple slices, Stilton chunks and a blue cheese mustard vinaigrette. And the beer was a perfect match.
Bink is a very complex Belgian dark ale. It has lots of brown flavors: tobacco, coffee, vanilla, caramel, pine, but also has some subtle wood and liquor notes (kind of heading towards whiskey), so it stood up to the blue cheese and definitely took to the grilled elements. However, I think for a straight "eat this cheese, drink this beer" pairing not involving a whole meal, I'd recommend something like Dorset or Magdalena Captein. Dorset would highlight the more sour woodsy notes of the Bink, Magdalena (or any aged gouda, really) would be all caramel and roasted flavors.
Among the many hats he wears, Eric Meyer is the beer buyer, grillmaster and a cheesemonger at Formaggio Kitchen Cambridge.


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As President Barack Obama starts his second term, the bond market is already telling him that the administration's forecasts for economic growth over the next four years are too optimistic.
The Office of Management and Budget predicts yields on 10-year Treasury notes will rise to average 4.1 percent in 2015 and 4.9 percent in 2017 as the economy expands at about a 4 percent rate in the second half of Obama's term. Bond prices suggest the yield, now at about 2 percent, will average below 3 percent two years from now, implying that gross domestic product will fall short of OMB projections, according to data compiled by Bloomberg.
While Obama's legacy may depend on a recovering economy, the bond market is signaling GDP may not in the next few years exceed the 3.3 percent annual average of the decade preceding the financial crisis and tax revenues will fall short of what the president needs to close the budget gap. That's not all bad news because Treasury borrowing costs just above last year's record lows mean easy credit for consumers and companies as well as sustained demand for riskier assets such as stocks.
"Clearly, the bond market is on one end of the spectrum and these guys are on the other end, believing rates are going to go up so fast," Priya Misra, the head of U.S. rates strategy at Bank of America Merrill Lynch in New York, one of the 21 primary dealers that trade with the Federal Reserve, said Feb. 8 in a telephone interview.
"The 10-year yield rising to about 5 percent in four years is too optimistic," Misra said. "Maybe you could argue that rates are a little depressed now, given inflows into bond funds and the Federal Reserve's debt purchases, but this is nothing like a normal recovery."
Market expectations reflected in bond yields are consistent with the median estimate of 84 economists in a Bloomberg survey who say the U.S. will grow 2.7 percent in 2014. The OMB forecasts 3.5 percent next year.
The clashing views come after the 10-year note yield fell as low as 1.38 percent in July and averaged 1.79 percent in 2012, the lowest since the debt was first issued in 1953. The next threat to Obama's forecast is looming as Congress faces a March 1 deadline to avert spending reductions of $1.2 trillion over nine years that may cut growth in 2013 by half, according to the non-partisan Congressional Budget Office.
Colin Kim, director of the Treasury's Office of Debt Management, noted the divergence between the market outlook and his agency's assumptions during the government's regular quarterly meeting with the Treasury Borrowing Advisory Committee on Feb. 5, according to minutes posted on the Treasury Department's website.
The gap between rates implied in the future by the so-called yield curve of actively traded securities and the administration's forecasts may be narrower than just looking at the raw numbers suggests. Demand for government bonds has been elevated by Federal Reserve purchases and new rules requiring banks to buy the safest assets for their reserves, which have depressed the compensation investors demanded for holding longer-term debt.
The Fed has bought more than $2.3 trillion of Treasuries and other securities since 2008, and plans to continue purchasing a combined $85 billion of government and mortgage debt a month to pump money into the financial system. Deposits at U.S. banks exceed loans by $2 trillion, with much of the surplus used to buy Treasuries. Bank holdings of Treasuries increased 15 percent to $521.3 billion in the past year.
While slower growth would make it harder for Obama to meet his deficit goals, yields below the administration forecast would limit government debt-service costs. Interest on the $16 trillion debt has fallen as Treasury yields stayed about record lows. The U.S. spent $359.8 billion on financing expense in fiscal 2012, down from $454.4 billion in 2011.
Yields on 10-year notes rose five basis points, or 0.05 percentage point, to 2 percent last week, according to Bloomberg Bond Trader data. The benchmark 2 percent note maturing in February 2023, sold Feb. 13, finished the week at 99 31/32. The yield was little changed at 8:49 a.m. in New York.
Treasuries lost 1.1 percent in January, the worst start to a year since 2009, according to Bank of America Merrill Lynch bond indexes. The yield on the benchmark 10-year note has risen 25 basis points from 1.76 percent at the end of last year.
Fed debt purchases have pushed corporate and consumer borrowing rates down. Yields on investment-grade corporate bonds dropped to a record low 2.73 percent on Nov. 8, compared with the 10-year average of 5.02 percent, according to Bank of America Merrill Lynch bond indexes. Freddie Mac said last week rates on 30-year mortgages averaged 3.53 percent, down from 6.74 percent in 2007.
Yields on 10-year notes are forecast to climb to 2.25 percent by the end of the year, according to the median estimate of 65 respondents in a Bloomberg News survey. The last time rates were above 4.9 percent, the average for 2017 anticipated by the Office of Management and Budget, was in July 2007 as the financial crisis was mounting.
Obama said in his Feb. 12 State of the Union address that even though the labor market is improving, more needs to be done to create jobs. He proposed raising the federal minimum wage to $9 an hour from $7.25 by 2015 and spending $50 billion on urgent infrastructure projects.
"What we've seen over the last couple of years from both the Federal Reserve and the fiscal authorities is that they are overly optimistic on their growth expectations," Guy LeBas, the chief fixed-income strategist at Janney Montgomery Scott LLC in Philadelphia, said in a telephone interview on Feb. 14.
"The sources of higher interest yields include higher economic growth, increasing inflation expectations and reduced Fed demand. While one of those three might come into play in 2013 or 2014, it is very unlikely that all three do," said LeBas, who predicts the 10-year note yield will end the year at about 2.2 percent.
While the U.S. pulled out of its worst economic downturn since the Great Depression during Obama's first term, unemployment has remained higher than the average of 6.8 percent over the past 10 years.
Average weekly earnings adjusted for inflation showed no gain in 2012, and the unemployment rate in January rose to 7.9 percent from 7.8 percent the month before. The economy unexpectedly shrank by 0.1 percent in the fourth quarter.
For the three years following the recession that ended in June 2009, the jobless rate averaged 9.2 percent and growth after accounting for inflation averaged 2.3 percent, Robert Pollin, a professor of economics and co-director of the Political Economy Research Institute at the University of Massachusetts at Amherst, said in a telephone interview on Feb. 12. That compares to average unemployment of 6.3 percent and real GDP expansion of 4.5 percent for the three-year periods following the end of the previous eight recessions.
"You've got strong headwinds every way you look working against returning to the kind of economic growth levels we saw pre-2007," Alan Wilde, head of fixed-income and currencies in London at Baring Asset Management, which oversees $53 billion, said in a telephone interview on Feb. 12.
"The idea that bond yields could return to 4 percent to 5 percent, with a nominal growth rate compatible with stable employment, is still some way off," he said. "I subscribe to the gently rising scheme of things for Treasury yields rather than a rapid burst higher."
Implied yields may be below Congressional Budget Office estimates in part because the so-called term premium required by investors to hold longer-maturity debt has remained around record lows, and negative since 2011, amid Fed purchases. A negative term premium means investors are not requiring any excess return to hold long-term debt instead of rolling over a series of short-term securities as they mature.
"We can't take market implied forward rates today at face value due to the Fed's quantitative easing," Zach Pandl, an interest-rate strategist in Minneapolis at Columbia Management Investment Advisers LLC, which oversees $340 billion said in a telephone interview on Feb. 15. These rates "are related to expectations about where the economy and monetary policy is going, but central banks are deliberately distorting those rates to stimulate recovery."
The premium was minus 0.62 percent last week, up from a record low of minus 1.0187 percent on July 24. It averaged 0.916 percent in the decade before the start of the financial crisis in 2007.
Even if growth doesn't meet Obama's forecasts, rising home and car sales show the economy is improving, according to James Smith, chief economist at Parsec Financial in Asheville, North Carolina. His forecast for a 10-year Treasury yield of 4.11 percent at the end of 2013 is the highest in a survey of 64 participants by Bloomberg News.
"The flight-to-quality demand and Fed purchases has helped keep yields below the historic 100-year average of about 3 percentage points over the inflation rate," Smith, an economist at the Fed in Washington from 1975 to 1977, said in a telephone interview Feb. 14. "But the Fed buying won't last forever and the economy is back to looking more like a typical expansion," he said. "Market expectations always turn on a dime and nobody sees it coming."
U.S. auto sales per dealership probably will rise to a record in 2013, according to Urban Science, a Detroit-based consulting firm. U.S. light-vehicle sales have climbed by at least 10 percent each of the last three years, including a 13 percent increase last year that was the biggest since 1984.
Purchases of new U.S. homes reached 367,000 in 2012, the most since 2009 and the first annual gain in seven years.
The Congressional Budget Office assumes the 10-year Treasury yield will average 5 percent in 2017 with real GDP growing more than 4 percent in each of the two prior years, according to its long-term budget and economic outlook report published Feb. 5. Accelerating growth will help boost revenues and narrow the U.S. deficit-to-GDP ratio to 2.4 percent by 2015.
The budget deficit will decrease to $845 billion, the least since 2008, or 5.3 percent of GDP, for the current fiscal year, ending September 30, the report said. In fiscal 2012 the deficit amounted to 7 percent of total U.S. output.
Obama called on Congress last week to pass spending reductions and close tax loopholes to delay the budget cuts, known as sequestration, set to begin next month. Republicans have said they won't consider raising revenue beyond the $650 billion tax increase on top earners the president won as part of the budget deal enacted on Jan. 2.
Lawmakers agreed to the automatic spending cuts, to be spread over nine years, as part of a 2011 fiscal deal to raise the U.S. debt limit. The reductions were supposed to be so onerous that Congress and the president would never let them occur and would find a plan to replace them.
"We seem to be a long way away from 4 percent real growth," David Brownlee, the head of fixed-income at Sentinel Asset Management, which oversees more than $18 billion, said in a Feb. 13 telephone interview from Montpelier, Vermont. "It's just really preliminary to think rates can go up that high."
Bloomberg News


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When Hurricane Sandy struck the Northeastern United States in October 2012, many corporate risk managers and insurance companies were taken by surprise. Few were prepared for hurricane-force winds in Atlantic City, New Jersey, or for the storm surge that hit New York City. Total damages are estimated at more than $50 billion, making "Superstorm Sandy" the second-costliest hurricane in U.S. history.
As a result, insurers are reconsidering the pricing and terms of policies for businesses up and down the East Coast. Now that the 2013 hurricane season has arrived, Treasury & Risk asked Al Tobin, national property practice leader for Aon Risk Solutions, what finance and risk managers should be doing to prepare their businesses for the next major storm.
T&R: What impact did Hurricane Sandy have on the insurance industry in the U.S.?
Al Tobin: Sandy had a big impact. In 2011, people were surprised by Hurricane Irene. Then in 2012 Sandy came along, and it was much larger than Irene. These storms caused considerable damage from both winds and rain all the way up through the state of Vermont. Hurricanes are expected in Florida, but the insurance companies were really taken aback to have events of this magnitude in the Northeast.
These two hurricanes have changed forever the way insurance companies evaluate risks in this part of the country. They're taking a hard look at the capacity they're going to provide, especially when it comes to locations in the flood plain. Zone A Flood has always been a restricted kind of coverage, but it was loosened over the past decade or two. That has been tightened up.
T&R: What is changing for corporate risk managers as a result?
AT: Today the carriers are looking harder at exposures related to hurricanes in the Northeast. If you're near the coast, you probably have a different deductible today than you had prior to Irene.
T&R: Are companies having difficulty finding insurance, or is it mostly a matter of pricing and limits?
AT: The changes have mostly affected pricing and terms and conditions. We view availability as strong right now.
T&R: Beyond the obvious property damage, how did Sandy impact businesses in the region?
AT: The commercial real estate industry was very severely affected. From large, national schedules all the way down to local owners of one or two buildings in Manhattan, the water destroyed a lot of the equipment in the buildings down here.
T&R: Were there also a lot of claims related to business continuity or supply chain issues?
AT: I wouldn't say a lot. Supply chain and BCP (business continuity plan) problems arise more with events like a tsunami in Thailand or an earthquake in Japan. But what you did have in New York and across the region were losses that stemmed from civil authority. Some companies that didn't have physical damage lost revenues because there was an evacuation of the area.
T&R: So, what can risk managers do now to prepare for another storm like Irene or Sandy?
AT: In the Northeast, prior to Irene, the take-up rate was pretty low for the National Flood Insurance Program, the NFIP. Plus, when companies had a chance to look at flood sub-limits, sometimes they'd save the money because they had never experienced a flood-related loss.
So the first thing risk managers should do to prepare is to look into the NFIP. For corporations, they generally have a reasonable cost. And the insurance companies are going to raise flood deductibles, so clients will want to mitigate that deductible change by buying flood insurance. Secondly, risk managers need to make sure they know the limits that they're buying and the sub-limits for flood coverage. If they aren't comfortable with those limits, they can consider buying what we call "excess flood insurance."
Suppose you're a business in Flood Zone A. You might have a program that starts with the National Flood Insurance. That basically picks up your deductible for a broader business policy that you purchase from, let's say, Insurance Company A. But Insurance Company A will only provide a $5 million sub-limit for floods, because that's their maximum. If you think you're susceptible to a loss greater than the limits of the NFIP and the $5 million, you can add another policy, maybe $10 million of excess flood insurance placed in the open market.
T&R: Is there anything risk managers can do to mitigate potential future damage?
AT: There are lots of available tools and services to help evaluate risk, but if you own a 40-year-old building and you're in a flood zone, there's not much you can do to prevent losses except buy flood insurance. I can tell you this, though: After events where people suffer a loss—especially if it's a total loss—they tend to build their property back as robustly as they can.
T&R: What else can a corporate risk manager learn from Hurricane Sandy?
AT: One of the most important things is that they need to read their insurance policy. It's boring and pretty basic, but you really need to know what your limits and sub-limits are. I've been to a few conferences post-Sandy, and I've come away a little shocked. Some of the smaller businesses and smaller brokerages knew very little about what their policy would cover in the event of a hurricane, or what to do after a loss to be indemnified. I guess that's a function of the fact that they'd never had to use their flood coverage. But these days, whether you're paying $50,000 or $5 million, you need to read your policy and have a general idea of what's insured under it.
Also, companies need to have a written plan for how the business is going to run after there's been an event. It should identify, before the event, the professionals that the company is going to use—such as accounting firms, remediation firms, and the like—and it needs to stay updated. If your business continuity plan is 10 years old, it's not going to be very effective. Phones, computers, everything is different. Putting that together is definitely worth some time.


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Aniketos-SSVV (Aniketos Security Service Validation and Verification) provides a series of modules that work together to validate the security properties of a Web service composition. The package is given a selection of service compositions (provided in the form of BPMN processes with Web services bound to the service tasks), along with the security policy to be fulfilled. The package then performs various checks on the services to establish whether each composition satisfies the policy, returning an ordered list (ordered in terms of security) of the services that do. It forms part of the larger Aniketos project comprised of four packages in total.
RemoteBox is a graphical tool which lets you administer guests or virtual machines running under VirtualBox on a remote server or even your local machine if desired. You may, for example, have a root server on the Internet, a server at home, or a server at work running VirtualBox but want to have the convenience of managing the guests easily from your local machine. The virtual machines run in headless mode, which means you don't need an active graphical display on the server but you can still connect and view the displays of the guests. The goal of RemoteBox is to provide a GUI that should be familiar to VirtualBox users while allowing them to administer a remote installation of VirtualBox. It does this via the VirtualBox API and SOAP interface, which are exposed when running the VirtualBox Web service. You can also use RemoteBox simply as an alternative interface for managing VirtualBox on your local machine.
s6-networking is a collection of small Unix tools designed to help networking. It includes clock synchronization, Unix and TCP super-servers, Unix and TCP access control, and other miscellaneous utilities. It is particularly suited for management of clients and servers on embedded devices, but works just as well on larger systems.
WD Arkeia Free Version is a no-cost version of WD Arkeia network backup specifically for small networks. It allows an administrator to backup and restore files via a WebUI. This edition has the option to backup up to two machines to a 250GB disk storage or tape drive. It allows you to backup Linux machines, Windows desktops, Mac desktops, FreeBSD servers, and more.
Arkeia Network Backup is designed for organizations that require fast, easy-to-use, and affordable data protection. It backs up critical data to disk, tape, and cloud storage. Arkeia protects all major virtual platforms including VMware, Hyper-V, XenServer, and more than 200 physical platforms including Windows, Mac OS X, Linux, Netware, most UNIX flavors, and BSDs. The company's source-side Progressive Deduplication technology helps users realize better performance at a lower cost by reducing data volumes. Arkeia's deduplication is crucial to accelerating replication of on-premise backups to private or public clouds.


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Intel names insider Brian Krzanich CEO
31 comments
LONDON Intel Corp. Thursday (May 2) announced that veteran executive Brian Krzanich will replace Paul Otellini May 16 to become the sixth CEO in the history of the world's biggest chip vendor.
Krzanich, Intels chief operating officer since January 2012, was widely seen as the leading candidate to replace Otellini from the time Otellini's pending retirement was announced in November. Krzanich, 52, joined Intel in 1982 and held a number of technical and executive management roles before being promoted to COO last year.
Also Thursday, Intel promoted Renee James to president. James, who had been serving as general manager of Intel's software and services group, will also assume her new role on May 16, joining Krzanich in Intel's executive office.
Prior to becoming COO last year, Krzanich had been a senior vice president in charge of Intels worldwide manufacturing. As COO, Krzanich retained responsibility for Intel's manufacturing operations, widely considered to be the company's most crucial asset.
Gold said both Intel's board of directors and the financial markets want Intel to become a leaner company.
"This promotion sends the message it will continue to emphasize a 'lean and mean' approach to business," Gold said.
Danely, he also believes Intel should get more involved in the foundry business, said such a change in focus could result in higher margins if Intel decreased operating costs and capital spending by exiting businesses that it is not competitive in such as the wireless chip business,
We believe this would result in higher margins and cash generation via lower operating and capital expenditures driven by exiting businesses that Intel is not competitive in, are not synergistic, and have inferior/negative returns such as the wireless chip business, Itanium server chips and many of Intel's software businesses.


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Messenger I Bag
Overall messenger bags are great. They allow you to be hands-free especially when you have your little one in tow. They also don't fall off your shoulder when you find yourself reaching for that pacifier or toy your child accidentally dropped. (Don't worry! We won't mention the five second rule if you don't. HA! HA!) This collection of sporty diaper bags for dad is and casual and perfect for everyday use. We included some cool designs like dragons, koi fish and skulls with great color selections. So go ahead. What are you waiting for? Shop Away!
- Mens Messenger I Bag - Black$64.99
- Mens Messenger I Bag - Camo$64.99
- Mens Messenger I Bag - Grey$64.99
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