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This article was originally published in the January/February 1993 issue of Home Energy Magazine. Some formatting inconsistencies may be evident in older archive content.
| Home Energy Home Page | Back Issues of Home Energy |
Home Energy Magazine Online January/February 1993
All else being equal, getting rid of ozone-destroying chlorofluorocarbons (CFCs) will make refrigerators use more energy, while the federal appliance standards demand improved efficiency. Advanced insulations could help solve this dilemma by achieving R-20 per inch or greater, without CFCs.
A typical refrigerator-freezer fights a 60deg.F temperature differential every hour of every day--about 22,000 degree-days of annual cooling load, the heat transfer equivalent of a triple-duty Wisconsin winter--with skin insulation of only about R-15 or so. There are two ways to improve this situation: better insulation (higher R-value per inch), and more insulation (thicker cabinet walls)--both of which show promise. The push to eliminate CFCs from insulation adds to the challenge facing the industry.
Today's refrigerator cabinets are injected with 2-3 in. of CFC-11-filled polyurethane foam. The foam acts as both insulation and structural member, connecting the inner and outer cabinet walls in a quick and easy assembly-line process. Because CFC-11 is a good insulator, this foam delivers about R-7 per inch. Foams with chlorine-free blowing agents (water or pentane for example) only deliver about R-5 per inch.
Panels with nearly three times the performance of foam insulation have been built into conventional refrigerators and tested; the results show a 10-15% reduction in energy use is possible. Since even the best bulk insulation materials currently available top out at about R-8 per inch, researchers have turned to sealed panels that are either evacuated or contain low-conductivity gas such as argon or krypton. For the evacuated panels, the challenge is to devise a filler that resists the compression created by the vacuum and an outer liner that keeps air from leaking in. Both materials should also be low-conductivity.
Of several contenders in the advanced-insulation race, vacuum powder panels and vacuum fiber panels are moving the most rapidly toward incorporation into production refrigerators. Vacuum powder panels are made by taking a very fine powder (usually silica-based), encasing it in a metal or plastic liner, and sucking most of the air out of it. Vacuum fiber panels are similar, but use a fiberglass filler material. Aerogel panels are made with a slab of lightweight, translucent, silica-based aerogel, sealed in a plastic liner like a package of hot dogs.
A host of other inventions with similar performance are under development. A Lawrence Berkeley Laboratory design uses a gas fill rather than a vacuum, stacking low-emissivity plastic sheets to create panels that resemble multiple-layer superwindows without the glass. This technology still awaits testing in refrigerator units.
Installed costs for advanced insulation panels are estimated at $0.50-$2.00 per board foot, several times more than foam currently costs. U.S. Environmental Protection Agency analysis indicates that adding advanced insulation to refrigerators will increase their cost by $70-$90, yet save 125-160 kWh per year. In the coming years, this gap between foam and advanced panel costs is expected to narrow, since foams will become more expensive because of taxes on CFCs, and advanced panel insulations should become cheaper with large-scale production. Meanwhile, utility rebates could cover part or all of the cost increase.
In a project sponsored by the EPA, the Admiral Co. installed vacuum powder panels into four 19 ft3 top-mount and three 22 ft3 side-by-side refrigerator-freezers. The German firm DeGussa AG fabricated the panels, which use a precipitated silica filler encased in a plastic vacuum barrier with a nominal insulation of R-20 per inch. DeGussa specially sized the .5-.75 in. (1.3-1.9 cm) panels to fit into the test refrigerator units, covering about 63% of the cabinet surface. Unfortunately, because of the difficulty in working around multiple wire and pipe penetrations, no panels were installed on the bottom of the unit where they could have blocked heat transfer from the compressor. After securing the panels to the inside of the outer cabinet wall, the installers used conventional CFC-11-blown foam to fill the remaining void in between the cabinet walls. As a control, Admiral also assembled several conventional units on the same day, using the same assembly line and identical foam.
Admiral tested the assembled units according to a U.S. Department of Energy (DOE) procedure that measures total energy consumption in a 90deg.F ambient environment and with no door openings or food loading. The tests showed that the top-mount units with vacuum powder panels used an average of 10% less energy than the control refrigerators, while the side-by-side units used about the same. Technicians think the problem with the side-by-side units was caused by the vacuum panels bowing the doors, which in turn led to poor door sealing.
Admiral recently built and tested another series of refrigerators with advanced insulation panels, this time putting vacuum powder, vacuum fiber, and aerogel panels into separate top-mount refrigerators.
The units were built and tested in much the same way, using 19 ft3 top-mount refrigerator-freezers. In these tests, the fiber-filled panels performed the best, reducing energy consumption by 15% compared to conventional units. These panels were designed and built by Owens-Corning, using a fiberglass filler in a foil-enclosed vacuum package. The vacuum powder units repeated their previous performance of about 10% energy savings, a level also reached by the refrigerators equipped with aerogel panels.
It's too early to declare a winner among the several designs competing for this potentially large market, but during assembly of the prototypes, valuable lessons were learned that will improve the efficiency of panel sizing, panel attachment, configuration of the cabinet penetrations for wiring and piping, and foam injection. In addition, thermal modeling of the refrigerators agreed well with the measured results of both advanced and conventional units, increasing confidence in the new insulation technologies.
Another way to meet the challenge of efficient, CFC-free refrigerator production is with thicker insulation. Conventional wisdom holds that consumers want refrigerators with maximum internal volume and minimum external dimensions, meaning thin rather than thick walls. New research by DOE indicates otherwise. One hundred persons were presented with a hypothetical choice between two refrigerators, one with thick walls and one with thin walls. They were told to assume that both units have the same interior storage space, all of the features and options of importance to you (color, ice maker, and so on), would fit into the space that you currently have for a refrigerator, and would cost $500. On a 0-10 scale, with 0 indicating strongly prefer the thin-walled refrigerator and ten indicating strongly prefer the thick-walled refrigerator, the average response was 8.3, showing a definite acceptance of thicker walls. Participants also indicated that they would be willing to pay an average of $50 extra for a refrigerator if it produces less pollution and EPA certifies that it is Earth Friendly.
--David J. Houghton
David J. Houghton is a research associate with E Source in Boulder, Colo.
Figure 1
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Wednesday, 03 October 2012 06:59 AM EDT
DAMASCUS, Syria — Three suicide bombers detonated their explosives-packed cars near an officers' club in Syria's northern city of Aleppo on Wednesday, killing at least 31 people and causing massive destruction that trapped scores under the rubble, Syrian state media and activists said.
The blasts went off at a main square in a government-controlled district of the city, while a fourth explosion detonated a few hundred meters (yards) away near the Chamber of Commerce, they said.
Aleppo, Syria's commercial hub and largest city, has seen intensified fighting between regime forces and rebels trying to oust President Bashar Assad, especially after the fighters launched a new offensive last week. But it has not been the target of frequent suicide attacks, and Wednesday's stunning wave of explosions caused panic and fear among residents.
State-run news agency SANA said the bombings targeted Saadallah al-Jabri square, describing them as the work of "terrorists," and said at least 31 people were killed and dozens of others were wounded. Authorities refer to rebels fighting to topple Assad as terrorists and armed gangs.
A state-run channel, Ikhbariya, showed footage of massive damage around the square, which also houses a famous hotel. One building appeared leveled to the ground. The facade of another was heavily damaged.
The TV showed footage of several bodies, including one being pulled from the rubble of a collapsed building.
"It was like a series of earthquakes," said a shaken resident who declined to be identified for fear of reprisals. "It was terrifying, terrifying."
He said the officers' club and the hotel were almost completely destroyed. His account could not be immediately verified, although the TV footage showed at least one building reduced to rubble.
A Syrian government official said the number of deaths would likely increase because many of the wounded were in critical condition. Speaking to The Associated Press on condition of anonymity in line with government regulations, he said soldiers killed two more would-be suicide bombers at the scene, before they could detonate their explosives.
Aleppo-based activist Mohammad Saeed said the explosions went off minutes apart at one of the city's main squares. He said the blasts appear to have been caused by car bombs and were followed by clashes and heavy gunfire.
"The area is heavily fortified by security and the presence of shabiha," he said, referring to pro-regime gunmen. "It makes you wonder how car bombs could reach there."
The Britain-based Syrian Observatory for Human Rights, which relies on a network of activists on the ground, reported dozens of casualties from the blasts, most of them members of the regime forces.
A statement from the observatory said the explosions followed a clash between guards at the officers' club and gunmen. It said a fourth car bomb went off in the Bab Jnein area near the Chamber of Commerce, causing an unspecified number of casualties there.
During the course of the 18-month-uprising against Assad, suicide and car bombings targeting security agencies and soldiers have become common in Syria, particularly in the capital, Damascus.
But Aleppo has been spared from such bombings and from the mayhem that struck other Syrian cities, particularly in the first year of the revolt. Then, in February, two suicide car bombers hit security compounds in Aleppo's industrial center, killing 28 people.
The uprising against Assad erupted in March 2011 and gradually morphed into a bloody civil war. The conflict has killed more than 30,000 people, activists say, and has devastated entire neighborhoods in Syria's main cities, including Aleppo.
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BEIRUT (AP) -- Al-Qaeda militants seized a town near the Turkish border Thursday after expelling so-called mainstream Western-backed rebels from the area, demonstrating the growing power of jihadis as they seek to expand their influence across opposition-held Syrian territory.
The infighting - now engulfing many parts of northern Syria - threatened to further split opposition forces outgunned by President Bashar Assad's troops and strengthen his hand as he engages with world powers on relinquishing his chemical weapons.
FILE - In this Sept. 23, 2012, file photo, a Free Syrian Army soldier stands on a damaged Syrian military tank in front of a damaged mosque, which were destroyed during fighting with government forces, in the Syrian town of Azaz, on the outskirts of Aleppo. Al-Qaida-linked gunmen in northern Syria captured a town near the Turkish border Thursday, Sept. 19, 2013. Credit: AP
Opposition forces who had been hoping that U.S.-led military strikes would help tip the balance in the civil war are growing increasingly desperate after the Obama administration shelved those plans in favor of a diplomatic solution.
Many rebels blame jihadis in their ranks for the West's reluctance to intervene militarily in Syria or give them the advanced weapons they need. There is also growing concern that the dominant role the extremists are playing is discrediting the rebellion.
Yet the jihadis, including members of the Islamic State of Iraq and the Levant, an al-Qaeda offshoot, have been some of the most effective forces on the battlefield, fighting alongside the Western-backed Free Syrian Army to capture military facilities, strategic installations and key neighborhoods in cities such as Aleppo and Homs.
But the two sides have turned their guns on each other. Turf wars and retaliatory killings have evolved into ferocious battles in what has effectively become a war within a war in northern and eastern Syria, leaving hundreds dead on both sides.
"The moderates realized that they're losing a lot of territory to the Islamists and jihadi fighters, and so they're more desperate," said Aaron Zelin, a fellow at the Washington Institute for Near East Policy.
The battles for control of Azaz, a town only few kilometers from the Turkish border, represents some of the worst infighting in recent months.
Members of ISIL overran the town Wednesday evening, killing several fighters from the Free Syrian Army rebel umbrella group, before forcing them to pull out.
Amateur video showed dozens of gunmen with heavy machine guns on pickup trucks gathering at the border with Turkey with reinforcements. The Associated Press was able to verify the footage based on interviews and other reporting on the events depicted.
A relatively moderate Islamist group with influence in the region, the al-Tawheed brigade, was mediating Thursday to get the al-Qaeda-linked militants to leave Azaz, but fighting was continuing.
The prospect of al-Qaeda militants so near the frontier is worrisome for the Turkish government, which closed the nearby border crossing of Bab al-Salameh, according to a Foreign Ministry official speaking on condition of anonymity because he was not authorized to talk to the media.
The Azaz fighting highlights the turmoil in the rebel ranks. Al-Qaeda militants and the al-Qaeda-affiliated Jabhat al-Nusra have proven remarkably adept on the ground but have increasingly tried to wrest control from more moderate rebels.
Charles Lister, an analyst with HIS Jane's Terrorism and Insurgency Centre in Britain, said al-Qaeda-linked fighters make up between 10,000 and 12,000 of the insurgency's estimated 100,000-member force but wield far more influence because of their better discipline and battle experience.
"They (ISIL) capture d from the regime much of the territory that is now under opposition control, and for that reason they will not be excluded from the revolutionary structure even if they have to fight other rebels," said Mustafa Alani, an analyst at the Geneva-based Gulf Research Center.
"They feel that that the FSA has turned on them because the American pressure to deal with extremists," he said.
FSA spokesman Loay al-Mikdad said the rebels were acting in self-defense and questioned the purpose of the ISIL storming an area that had been among the first to be "liberated" in Syria.
"They said they came to defend the Syrian people. Now they have turned their guns away from fighting the regime to fighting the Syrian people," he said by telephone from Turkey.
Kurdish militiamen have also been fighting members of the ISIL and the Nusra Front in predominantly oil-rich, Kurdish areas of northeastern Syria. Dozens have died.
The infighting weakens both sides and bolsters Assad, whose troops have been on the offensive, gaining ground against rebels on multiple fronts.
Assad told Fox News Channel the balance of opposition forces has shifted in the more than two-year conflict, and he alleged that 80 percent to 90 percent were members of al-Qaeda or its affiliates.
"At the very beginning, the jihadists were the minority. At the end of 2012 and during this year, they became the majority with the flow of tens of thousands from additional countries," he said.
Residents of rebel-held areas are also turning against extremists for their brutal tactics and for trying to impose Islamic law. There have been numerous demonstrations against the ISIL in opposition-held territory in the north.
FILE - In this December 17, 2012, file photo, a Free Syrian Army fighter takes cover during fighting with the Syrian Army in Azaz, Syria. Credit: AP
Locals say the jihadis are forcing people to close their shops for Muslim prayers and banning the sale of cigarettes.
Ahmad Barbour, an activist in the town of Ariha in the northwestern province of Idlib, said it has gotten to the point where they consider those who carry the revolution flags infidels. Most of them are foreigners flush with cash, he said.
"Everyone hates them except for those who are benefiting financially," he said via Skype.
Also Thursday, a bus struck a roadside bomb in the village of Jbourin in the central province of Homs, killing 19 people and wounded four, said a local official from the governor's office, speaking on condition of anonymity because he was not authorized to talk to the media.
FILE - In this Dec. 10, 2012, file photo, Free Syrian Army fighters take their positions, close to a military base, near Azaz, Syria. Al-Qaida-linked gunmen in northern Syria captured a town near the Turkish border Thursday, Sept. 19, 2013. Credit: AP
The village is predominantly Alawite - an offshoot of Shiite Islam and a minority sect of which Assad is a member - but it also has Christians and Sunni Muslims.
The civil war, which has left more than 100,000 dead, has taken increasingly sectarian overtones. Most of the rebels trying to overthrow Assad belong to the majority Sunni sect.
Syrian Deputy Prime Minister Qadri Jamil said in an interview with the Guardian published late Thursday on its website that neither side in Syria was strong enough to win the conflict. Jamil said the government will call for a cease-fire at a planned peace conference in Geneva, though dates for the talks have not been set and the main Syrian opposition group says it won't take part if the military has the upper hand on the ground.


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White House announces anti-theft trade strategy
WASHINGTON - The Obama administration announced a broad new effort Wednesday to fight the growing theft of American trade secrets following fresh evidence linking cyberstealing to China's military.
The plan includes a new diplomatic push to discourage intellectual property theft abroad along with better coordination at home to help U.S. companies protect themselves. The administration says indications are that economic espionage is increasing, not only through electronic intrusion over the Internet but also through the recruitment of former employees of U.S. companies with knowledge of inside trade information.
"Trade secret theft threatens American businesses, undermines national security and places the security of the U.S. economy in jeopardy," said a report from the White House. "These acts also diminish U.S. export prospects around the globe and put American jobs at risk."
Earlier this week, a Virginia-based cybersecurity firm, Mandiant, accused a secret Chinese military unit in Shanghai of years of cyberattacks against more than 140 U.S. companies. The accusations and supporting evidence increased pressure on the United States to take more action against the Chinese for what experts say has been years of systematic espionage.
The Chinese government denied being involved in cybertheft, with China's defense minister calling the Mandiant report deeply flawed. China's Foreign Ministry said that country has also been a victim of hacking, much of it traced to the United States.
Wednesday's Obama administration report did not specifically target any one violator, but the China problem is evident in the case studies it cited. Those examples did not involve cyberattacks, but rather the theft of hundreds of millions of dollars in trade secrets by former employees of U.S. corporations, including Ford Motor Co., DuPont Co., General Motors Corp., Cargill, Dow Chemical Co., Valspar and Motorola.
President Barack Obama signed an executive order last week aimed at helping protect the computer networks of American industries from cyberattacks.
It called for the development of voluntary standards to protect the computer systems that run critical sectors of the economy such as the banking, power and transportation industries. It directed U.S. defense and intelligence agencies to share classified threat data with those companies.
He also prodded Congress during his State of the Union address to go further.
"Now, Congress must act as well by passing legislation to give our government a greater capacity to secure our networks and deter attacks," Obama said.
The president said America's enemies are "seeking the ability to sabotage our power grid, our financial institutions and our air traffic control systems. We cannot look back years from now and wonder why we did nothing in the face of real threats to our security and our economy."
The new report was short on specific consequences for trade secret theft, with no new fines or other trade actions announced. It included five actions to protect American innovation:
¦ Applying diplomatic pressure by senior officials to foreign leaders to discourage theft.
¦ Promoting best practices to help industries protect against theft.
¦ Enhancing U.S. law enforcement operations to increase investigations and prosecutions.
¦ Reviewing U.S. laws to determine if they need to be strengthened to protect against theft.
¦ Beginning a public awareness campaign.


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This is a question best answered by a local agent in your area. Asking what it's like to rent in March locally, they can give you some analytical insights for 2023 and previous years as well.
Proposals typically come in within a couple of hours of submitting your information online. Depending on where you're and if it's a weekend or week day could make this time shorter or longer.
Completing the obligation free rent proposal form, local real estate agencies will send you their rates, giving you the opportunity to compare the rates from real estate agents in your area.
Our features are what set us apart from other comparison sites within the real estate industry. March 2023 is the time to act to get better returns. Don't wait until May to get the renting process started. Start today with proposals sent to you within hours.
Own property in other locations? We can help you compare agents on the Sunshine Coast as well as nearby suburbs such as Cotton Tree, Coolum, Cooloolabin, Curramore, Currimundi, and Diamond Valley.
We also have agents outside of Queensland such as in St George, Melbourne, and inner suburbs throughout Australia.Compare Rent Appraisals


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With rates from $2500 to $5000. Explore Senior Housing options in Auburn Hills, and nearby cities. Use the advanced filters to search specific care types such as 55+ Living, Independent Living, Alzheimer's Care, Assisted Living, Continuing Care, Low-Income Affordable, Respite Care and/ or Home Care.
55+ Communities, which sometimes may be called age qualified communities, active adult housing, age-restricted communities or age-segregated communities, are communities, with an age restriction for residence. These communities range from apartment complexes or condos, to single-family homes in a gated… Read More >


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For the latest updates to Global Public Square, including show information and Fareed's Take, visit the new GPS site on CNN.com.
Ok Fareed. Let's close the comments section please. Time for these anti-India as..holes in blue and the lister to Stfu.
Trade you a casino for your grampa's wrongful death?
Hmmm. Chief say good deal. And scholorships?
See u in Twitter. They are banned there. Hehe lol
Wiki leaks has released a classified video of US troops murdering 2 Reuters news agency reporters and a dozen of the Good Samaritans trying to rescue them. Even little kids were trying to help the wounded reporter and were SHOT!
FU you blind flag waving fahggots.
Why did troops murder them and those other people? Because those 2 reporters had discovered a secret mass grave of men wearing US military uniforms. Only the weren't Americans. They were mostly 5000 South American troops who had gone AWOL for Colin Powell's Combat Services Ltd.
Guess what. US troops are going to shoot you lazy mother flickers too.
Guess how many forced labor camps have been built in the USA since 2003.
Guess who are being thrown into them right now and what the official plan says will be thrown in next.
In the official order:
1.) Lazy men who could work but pretend to be disabled. They collect disability and choose to live the lazy homeless lifestyle and are right now being swept off our streets by DHS agents and tossed into forced labor camps.
2.) Same as above, but lazy men living with their own mothers and contributing exactly zero to society. And communists who band together and rent a mobile home and just sit there all day popping pills and smoking dope and drinking beer and cheering for the Denver freaking Broncos.
The official list is long and far sweeping. It includes gang bangers and fraudulent employers. Doctors and lawyers who the NSA knows conspired to fix cases. Statutory rapists being warehoused in our State hospitals. Those 850 DHS forced labor camps will be filled.
The prophecy says "until every last penny owed is repaid." You Americans aren't going to get away with anything. Might as well get straight with your government before it's too late and your government... men YOU elected. Sweep you up and force you to actually do honest days work.
Don't look at me. I didn't do it. You and YOUR guys did. Not me and mine. We are NO part of this.
Washing my hands and kicking the dust off my shoes of you people here. I have done my best for many years here on CNN trying to get you idiots to open your eyes. Out of all my 17 years news blogging, YOU IDIOTS are the most ignorant of truth. Pft.
What a joke! The insti.tution must have gone bankrupt!
Joey I got a baloney. And Martina Navratilova's glove compartment. He he. Just recalling memories here on the N.
Mulled wine in a hot tub at Brian's Head Ski Resort with ThomasD is where it all started for me here on the N.
There were two women in the tub. It was one of them's idea the mulled wine. But me and ThomasD prefer whiskey. And fishing over women. So I will not recall their names. But they should be along shortly. And blatantly identify themselves. They are a bit loud for ladylike folk.
🙂 I will miss this place and you people. Bob's jokes really did amuse me. And each day I have looked forward to banasy and chrissy tag-teaming me. And one night at home and after a small celebration I actually visualized getting naked with them! he he
Now ain't that something. Will miss you guys and gals.
Lol. A bit Lowwwwd. he he
*Laohhhd. 🙂
Lmao. Your children didn't inherit your debt! They inherited your power and the power to force you to work off your own freaking debt to society. Are you blind?
No women should have fun ever!! Stupid women thinking they have OPINIONS us manly men should listen to. Shut up get in the kitchen and make me a sammich!!! Stupid words on stupid text being so loooooooooooooud. Gonna put my aluminum foil hat on to drown out the nooooooooooiiiiiiosssssseeee of words on a page.
Wow. This is the quietest this place has ever been. Was it something I said? Lmao 🙂
Prob'ly. You haven't done anything but gossip like Perez Hilton. This is boring. Bye!!
Hey JIF let me know where I can find you. I'm Grampa Roper on Facebook holding up an 80lb. Ice auger with my manly 18" gun standing on a frozen lake.
Yeesh. Ewe, actually. Some dude just winked at me. Did you all see that...that....that (echo)
It looks as though he was agreeing with your unrealistic, misogynist view on women, Philip.
But of course you know gaydar best.
A Bible study group was discussing the unforeseen possibility of their sudden death. The leader of the discussion said, " We will all die some day, and none of us really know when, but if we did we would all do a better job of preparing ourselves for that inevitable event."
"Everybody shook their heads in agreement with this comment."
Then the leader said to the group, "What would you do if you knew you
only had 4 weeks of life remaining before your death, and then the Great Judgment Day?"
A gentleman said, " I would go out into my community and minister the Gospel to those that have not yet accepted the Lord into their lives."
"Very good!" ,said the group leader, and all the group members agreed, that would be a very good thing to do.
One lady spoke up and said enthusiastically, "I would dedicate all of my remaining time to serving God, my family, my church, and my fellow man with a greater conviction."
"That"s wonderful!" the group leader commented, and all the group members agreed, that would be a very good thing to do.
But one gentleman in the back finally spoke up loudly and said, "I would go to my mother-in-laws house for the 4 weeks."
Everyone was puzzled by this answer, and the group leader ask, "Why your mother-in-law's home?"
"Because that will make it the longest 4 weeks of my life!"
A gay dude at a bar in Redo do Beach once pinched my ass. He went to the hospital. I went to jail.
Redondo Beach
A doctor, a nurse, and the top executive of an HMO have died and are in line together at the Pearly Gates. St. Peter appears to speak with them and asks them what good they have done in their lives.
Doctor: "I have devoted my life to the sick and needy and have had a part in caring for and healing thousands of people."
St. Peter: "That's great. Go ahead in to heaven. And what about you?"
Nurse: "I have supported the Doctor and his patients my entire life as an adult, etc…"
St. Peter: "Wonderful. Please proceed in with the Doctor. And what about you?"
HMO Executive: "I was the president of a very large Health Maintenance Organization and was responsible for the healthcare of millions of people all over the country."
St. Peter: "Oh, I see. Please go on in . . . but you can only stay 2 nights!"
Wiki leaks has released a classified video of US troops murdering 2 Reuters news agency reporters and a dozen of the Good Samaritans trying to rescue them. Even little kids were trying to help the wounded reporter and were SHOT!
There was a long, long line of spirits at the gate waiting to get into heaven. Not all these spirits could fit into heaven, so the ones who died the worst death would be allowed in.
The first man in line started telling his story, "Well, Peter, you see, I knew that my wife was cheating on me so I decided to come home early from work one day to catch them in action. I got home and searched all over but I couldn't find him. Then when I walked out onto the balcony, there he was dangling off the darn thing by his fingertips. So I ran and got a hammer then started beating him with it and he fell. Well, the fall didn't kill him, because he landed in a bush so I picked up the refrigerator and threw it on him. Although that killed him, the strain gave me a heart attack, and here I am."
The next man came up and started his story. "St. Peter, I always work out on my balcony on the 14th floor of my apartment building. I was on my bike one day and I fell off when it flipped. I sailed over the rail and I thought 'Please God spare my life' and he did. I caught on to a balcony below me. I was even happier when a man discovered me hanging there. But all of a sudden he started beating my hands with a hammer so I fell again. But the dear Lord saved me again when I landed in a bush. But I'm here now because the guy threw his refrigerator on top of me."
It was now the third guy's turn to start his story. "Well, Peter, just picture this. I'm hiding butt naked in this married chick's refrigerator….."
Three friends die in a car accident, they go to heaven to an orientation. They are all asked, "When you are in your casket and friends and family are mourning upon you, what would you like to hear them say about you?
The first guy says, "I would like to hear them say that I was a great doctor of my time, and a great family man."
The second guy says, "I would like to hear that I was a wonderful husband and school teacher who made a huge difference in the lives of children."
The last guy replies, "I would like to hear them say…….LOOK, HE'S MOVING!!!!!!!!!
I know it ain't no "ISIS" guy with a British accent but come on! US troops murdering 2 Reuters reporters AND the civilians who tried to rescue them? Why is this not on nationwide TV.
Q.. Who was the greatest comedian in the Bible?
A Samson. He brought the house down.
You tell 'em.Bob. I would vote for ya.
Yep . That it
An atheist became incensed over the preparation of Easter and Passover holidays.
He decided to contact his lawyer about the discrimination inflicted on atheists by the constant celebrations afforded to Christians and Jews with all their holidays while atheists had no holiday to celebrate.
The case was brought before a wise judge. After listening to the long passionate presentation by the lawyer, the Judge banged his gavel and declared "Case dismissed!"
The lawyer immediately stood and objected to the ruling and said, "Your honor, how can you possibly dismiss this case? The Christians have Christmas, Easter and many other observances. Jews have Passover, Yom Kippur and Hanukkah...yet my client and all other atheists have no such holiday!"
The judge leaned forward in his chair and simply said, "Obviously your client is too confused to even know about, much less celebrate his own atheists' holiday!"
The lawyer pompously said, "Your Honor, we are unaware of any such holiday for atheists. Just when might that holiday be, your Honor?"
The judge said, "Well it comes every year on exactly the same date-April 1st! Since our calendar sets April 1st as 'April Fools Day,' consider that Psalm 14:1, Psalm 53 states, 'The fool says in his heart, there is no God.' Thus, in my opinion, if your client says there is no God, then by scripture he is a fool, thus April 1st is his holiday! Get it?"


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Appleton, WI- 10,404 Square Foot Child Care Center
Keller is 100% employee-owned. That means that every employee that works on your project is an owner of the company, from your Project Manager and Architect to your Estimator and Foreman, you are always working with an owner. That means your questions are answered faster, your job site is kept cleaner, and your work is completed with more pride when you work with Keller.


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Today's News: Our Take - Glee Sneak Peek: Go Behind the Scenes of Rachel and Cassandra's "Jazz"-Off
Ever since Rachel (Lea Michele) first set foot in Cassandra July's NYADA dance class on Glee, the two have been at odds. About Cassandra's teaching style. Her unusual drinking habits. Her career. And most recently, about Brody (Dean Geyer).
So how are these two talented and headstrong women supposed to settle their beef? A sing-off? Nope! A dance-off!
Photos: Everybody's posing nude! Check out Rihanna and other stars who've bared all
In this sneak peek from Thursday's new episode (9/8c on Fox), Cassandra (Kate Hudson) challenges the plucky ingénue to a dance-off set to the tune of Chicago's "All That Jazz." "In this episode, Rachel starts to become a little bit more defiant and sure of herself in class," Hudson explains, "and we end up in a little dance-off."
This is hardly Glee's first time visiting the long-running musical's songbook. Back in Season 2, Rachel got in the flapper-spirit with substitute Holly Holliday for an impressive performance of "Nowadays/ Hot Honey Rag". In Season 3, several of New Directions' female members, including Santana and Mercedes, performed the "Cell Block Tango" when the ladies were assigned to sing a song about women feeling weak because of men.
Watch Hudson share her personal connection to the long-running musical and see how this latest Chicago number ranks:
Who do you think will win the dance-off? Will Rachel and Cassandra ever learn to get along?
Glee airs Thursdays at 9/8c on Fox.
View original Glee Sneak Peek: Go Behind the Scenes of Rachel and Cassandra's "Jazz"-Off at TVGuide.com
Other Links From TVGuide.com


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What to Watch: Cat DJ scratches cool tunes
Staff Writer
The Holland Sentinel
Hot video: Cat DJ scratches cool tunes, takes a spin on the record player
Trending topic
It's been nine months since pop music superstar Whitney Houston passed away, but her legacy continues to live on. In the time leading up to her death, negative media attention plagued Houston, but a new book of photographs aims to shine a more positive light on her legacy — released last week, it's called, "Whitney: A Tribute to An Icon."
On TV
The annual airing of the holiday classic "Rudolf the Red-Nosed Reindeer" premiers tonight with appearances from Hermy the Elf, Santa Claus and the Island of Misfit Toys. CBS, 8 p.m. EST.
GateHouse News Service


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28677, 28678, 28680, 28681, 28682, 28687, 28688, 28690, 28699, 29014, 29031, 29055, 29058, 29067, 29321, 29340, 29341, 29342, 29353, 29364, 29379, 29395, 29584, 29702, 29703, 29704, 29706, 29708, 29709, 29710, 29712, 29714, 29715, 29716, 29717, 29718, 29720, 29721, 29722, 29724, 29726, 29727, 29728, 29729, 29730, 29731, 29732, 29733, 29734, 29741, 29742, 29743, 29744, 29745


text:
ATLANTA—Luol Deng had 25 points and 14 rebounds, and the short-handed Chicago Bulls used their stifling defense to shut down the Atlanta Hawks in a 93-76 victory on Saturday night.
Playing without injured starters Kirk Hinrich, Joakim Noah and Carlos Boozer, Chicago dominated near the basket and got a lift from the frenetic play of Nate Robinson. The Bulls used only eight players for the second straight night, but it was more than enough for an impressive road win.
Taj Gibson had 19 points and a career-high 19 rebounds. Jimmy Butler added another double-double with 16 points and 10 rebounds. Robinson went 4 for 6 from 3-point range and finished with 20 points.
Josh Smith led Atlanta with 19 points and 13 rebounds but he scored only three points in the second half. Jeff Teague scored 16, and Al Horford had 14 points and 12 rebounds.
Bulls coach Tom Thibodeau said Hinrich had a procedure in Chicago on Saturday to have an infection cleaned out of his right elbow. Hinrich is expected to miss about a week.
Noah was held out with plantar fasciitis in his right foot. Boozer participated in pregame wamups but was not in uniform due to a right hamstring injury.
The lack of depth didn"t hurt Chicago"s defense. The Bulls, who held Atlanta to 20 first-half points in a 97-58 win on Jan. 14 in Chicago, again frustrated the Hawks.
Atlanta made only 6 of 19 3-point attempts and shot 39.2 percent from the field overall.
The Hawks also were less than full strength. Guard Devin Harris was in uniform but did not play due to a sore left foot. Backup center Zaza Pachulia was held out with a sore right Achilles.
Atlanta had a scare when Teague left in the first quarter with a right hip contusion. He returned in the second quarter and started the second half.
The Hawks led 44-43 at halftime, thanks to a jam by Smith following a DeShawn Stevenson steal. The Bulls scored the first eight points of the third and closed the period with six unanswered points to lead 69-60 entering the final period.
Marco Belinelli"s jumper pushed the Bulls" lead to double figures for the first time at 72-62. Deng"s 3-pointer ran the lead to 11, prompting Hawks coach Larry Drew to call a timeout with 7:41 remaining.
The Bulls continued to pull away with 3s by Deng and Butler after the timeout.
NOTES: Hawks G Anthony Morrow made his first appearance since Dec. 28. He had been out with a sore lower back. … The Hawks signed G Jannero Pargo to a second 10-day contract. Pargo missed each of his six shots from the field, including four 3-pointers. … DeShawn Stevenson, the fill-in starter for Harris, scored only two points while making one of six shots. … The Bulls had a 53-45 edge in rebounds.


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2002 Mercedes-Benz ML500emblems Parts in Canada
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Canada 2002 Mercedes-Benz ML500emblems PartsSince you are here, you are most likely looking for Emblems parts for your 2002 Mercedes-Benz ML500. If so, we will not disappoint. At AutoPartsWAY.ca we understand how important your Mercedes-Benz is to you therefore we do our best to stock a large selection of quality parts including 2002 Mercedes-Benz ML500 Emblems parts in Canada.
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You can visit our Amazon Store as well.


text:
For a long time, the cure for diabetes type 1 and type 2 has relied on agonizing insulin shots for patients or insulin infusion via mechanical pumps. Regarding this, experts have been creating artificial pancreatic beta cells with the he…
Lock washers are specially designed to keep threaded fasteners from loosening. They prevent vibrations and some have external teeth to prevent rotation. These washers are often found in airplanes and in structural applications.
The global Lock Washers market will reach xxx Million USD in 2019 with CAGR xx% 2019-2024. The objective of report is to define, segment, and project the market on the basis of product type, application, and region, and to describe the content about the factors influencing market dynamics, policy, economic, technology and market entry etc.
Based on products type, the report describes major products type share of regional market. Products mentioned as follows:
- Internal& External Star
- Split
- Others
Leading vendors in the market are included based on profile, business performance etc. Vendors mentioned as follows:
- Disc-Lock
- Schnorr
- Shakeproof
- Tiger-Tight
- Midwest Acorn Nut
- Earnest
- Shinedason
- Titan Fasteners
Based on Application, the report describes major application share of regional market. Application mentioned as follows:
- Automotive
- Machinery & Equipment
- Airplane
- Structural applications
- Others
Based on region, the report describes major regions market by products and application. Regions mentioned as follows:
- Asia-Pacific
- North America
- Europe
- South America
- Middle East & Africa


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text:
I-beam causes 10-car accident on Interstate 64
An 8-foot iron I-beam on Interstate 64 westbound left about seven vehicles with flat tires and two women injured Monday night.
About five Huntington police cruisers, three Cabell County EMS trucks and two Huntington fire trucks were dispatched about 9:40 p.m. to I-64 westbound near the Hal Greer Boulevard exit. Huntington Police patrolman John Weber said the original call came in about complaints of debris on the interstate.
When police and rescue officials arrived on the scene, about seven vehicles had tire damage and four vehicles were towed due to more extensive damage.
"Ten cars were originally involved in the accident, but we gave some others involved permission to leave the scene because their vehicles didn't receive any damage," Weber said. "Apparently, the I-beam fell off of a truck and probably caused the collision because of people trying to avoid it."
Two women who were in a Chrysler Concorde were taken to Cabell Huntington Hospital to be treated for their injuries. There were no other reported injuries.
Police said the Concorde received the most damage; it drove into a cable median, striking the passenger side of the vehicle. The front passenger-side wheel was torn completely off, and the back passenger tire was flat.
The accident is under investigation.


text:
Spiritual scrapbooking gets to the heart of the matter
A scrapbook should be more than a collection of your prettiest pictures and proudest accomplishments.
It should be a portrait of "the real you" and what you believe, said Courtney Walsh, author of the new book "Scrapbooking Your Faith."
"At the heart of everybody, there's a belief system," said Winnebago resident Walsh, who has degrees in journalism and theater. "I really want people to challenge themselves to find out what they believe."
Walsh is a licensed minister at Rockford's Faith Center. As someone who devotes an entire room in her home to this hobby and is a contributing editor for Memory Makers Magazine, she is well aware of the trend of scrapbooking from a faith-based perspective.
"Scrapbooking Your Faith" is a 127-page paperback released in April by Memory Makers Books. Subtitled "Layouts That Celebrate Your Spiritual Beliefs," the book has color photos of designs, and tips on recreating them.
The chapter called "Blessings" includes photos of her husband's car, damaged in an accident from which he walked away with no injuries. In "Traditions and Symbols," there is a close-up of her sister's tattoo, a butterfly with a Scripture about becoming a new creature. "Lessons of Faith" includes a disposable-camera snapshot of Walsh with a college friend who challenged her to articulate her faith.
"When it comes down to using a less-than-perfect photo or nothing at all, go with the less-than-perfect photo," she said. "The memory is what's really important."
'Quilting for This Generation'
Following a faith-based approach is a logical way to get in to the scrapbooking craze, said Natalie Needham, manager at Memories Ink in Rockford.
"Scrapbooking is really family-oriented, and religion usually is family-oriented," she said. "People like to think that scrapbooks will be passed on to another generation. It's really like quilting for this generation."
Scrapbooking in general is huge, said Christine Stevenson, manager of Lemstone Christian Stores in Rockford. The growing popularity of the spiritual trend follows the growth of inspirational items among mainstream retailers.
"With more people being more open about their faith, more and more stores, not just religious ones like ours, are carrying the products," Stevenson said.
Don't Forget the Writing
Sales of scrapbooking products topped $2.5 billion in 2004, according to promotional material for Sharon Sheridan's new book, "Pages of Faith: The Art of Spiritual Scrapbooking."
An award-winning journalist and avid scrapbooker based in New Jersey, Sheridan said the writing is just as important as the pictures in "faithbooking," as spiritual scrapbooking is sometimes called.
"Several people who have bought the book are not scrapbookers, but they are still enjoying the stories," she said. "I wanted to show people how to use scrapbooking as a faith tool."
Contact Edith C. Webster at firstname.lastname@example.com.
On spiritual scrapbooking:
- Use scriptures, hymns, liturgies, prayers or devotional writings to organize, inspire or accompany your photos or journal entries.
- Use the alphabet to organize, placing a letter on each page with the appropriate words and photos to illustrate each verse or faith point.
- Organize by religious milestones on a faith journey, including ceremonies, special worship services and celebrations.
- Create an ongoing prayer book, with requests on one page and responses on the facing page.
On layouts and design:
- Try computer programs, such as Photoshop Elements, which allows you to print an entire block of photos as one solid photo.
- Use Velcro to create space for hidden journaling.
- Use a monochromatic color scheme on your pages to make your photos pop by contrast.
- Don't be afraid to use technically imperfect photos if they have meaning to you.
- Invest in at least the basic tools: photo-safe adhesives and materials, albums, cutting tools, decorative papers and pens.
- In choosing photos, variety is good, but too much breeds chaos. One or two good-size photos tell a story better than six small ones.
- For a more coherent look to your book, pay attention to how you decorate facing pages.
- Simplify. Elaborately decorated pages are fine, but don't get so fancy that it interferes with your ability to ever finish a project.
Sources: "Pages of Faith" and "Scrapbooking Your Faith"


text:
The goal of CGSUK is to promote gender equity and equality (especially within Sri Lankan universities).
Gender equality is the notion that there should be equal rights, responsibilities and opportunities for women and men (and girls and boys). Equality does not mean that women and men should be the same; but that rights, responsibilities and opportunities should not depend on whether people are born male or female.
Gender equity is the notion that the specific interests, needs and priorities of both women and men should be taken into consideration. Equity recognizes that men and women have differing interests, needs and priorities depending on their biological sex and their gendered life experiences. Furthermore, different groups of women and men prioritize different issues from one another.
CGSUK is founded on the simultaneous conceptualization of gender equity / equality. This means that both the similarities of men's and women's life experiences as well as the differences in their life experiences are taken into account in conceptualizations and discussions about gender.


text:
Lori's Country Cottage
Spectrum of Offerings
More than 250 samples fill Lori's Country Cottage in Sherwood Park, Alberta. Owner Lori Bosecke inspires shoppers with a spectrum of samples, kits, fabric collections, quilting notions, and classes for quilters of any skill level. She also coordinates trips and cruises to foster stitching and quilting interests.
Meet the Staff
Front row, from left: Ellen Schubert, Sharon Dimond, Lorraine McLeod, Freda Lorentz, Velma Mallow, Lori Bosecke (owner), Kristen Bosecke, Joyce Walters, Judy Atlee, Laurrie Gerzanich, and Brenda Saluk; back row: Elaine Xenos, Del Marlow, Taya Merz, Sandra Ellis, Evelyn Osbaldeston, and Val Reid; not pictured: Lois Schatz and Bev Bayliss.
Child's Play
Baby patterns and prints are hot items at Lori's Country Cottage. The fabric selection includes cotton, chenille, and flannel.
Bolts of Fabric
While bolts of fabric line the walls and shelves at Lori's Country Cottage, smaller pieces, such as batik fat quarters, are showcased in an antique spice bin.
Oh, Canada!
Canadian-theme prints are popular at Lori's Country Cottage. In this vignette, maple leaf prints team up in a rag quilt and coordinating table runner.
Northern View
Designer Lidia Froehler of Cotton Treasure Design created Northern View for Quilt Sampler® Spring/Summer 2012 magazine. She invokes images of Canada with mountain units, Maple Leaf blocks, and Flying Geese units radiating from a center star.
Machine-Quilting Details
Lori's Country Cottage owner Lori Bosecke machine-quilted a variety of intricate feather, leaf, and scroll motifs on the quilt. She stipple-quilted the cream print backgrounds of the center star and Maple Leaf blocks.
Northern View Color Option
Quilt tester Laura Boehnke used a soft palette of fabrics featuring vintage-inspired motifs, including lamps, telephones, keys, and silhouettes. She simplified the design by using a stripe for the inner and middle borders. Fabrics are from the Daisy Cottage collection by Lori Holt of Bee in My Bonnet for Riley Blake Designs.
For more information about Lori's Country Cottage, visit loriscountrycottage.com.


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Redhead Struggles to Take BBC Deep
Husband Gives Thick Blonde Wife A Gift! Another Mans BBC!


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New York, January 14, 2020 -- Moody's Investors Service ("Moody's") has upgraded the ratings of 15 tranches
from 10 transactions, backed by subprime and Alt-A loans,
issued by multiple issuers.
The complete rating action is as follows:
Issuer: MortgageIT Trust 2005-2
Cl. 1-A-1, Upgraded to A2 (sf); previously
on Aug 5, 2010 Downgraded to Baa2 (sf)
Cl. 1-A-2, Upgraded to Baa2 (sf); previously
on Apr 26, 2013 Upgraded to Ba2 (sf)
Issuer: Securitized Asset Backed Receivables LLC Trust 2004-NC1
Cl. M-2, Upgraded to Caa1 (sf); previously on
Mar 4, 2011 Downgraded to Caa3 (sf)
Cl. M-3, Upgraded to Caa3 (sf); previously on
Mar 4, 2011 Downgraded to Ca (sf)
Issuer: Securitized Asset Backed Receivables LLC Trust 2006-NC2
Cl. A-3, Upgraded to A1 (sf); previously on Jun
27, 2017 Upgraded to Baa1 (sf)
Issuer: Securitized Asset Backed Receivables LLC Trust 2006-OP1
Cl. M-6, Upgraded to Caa2 (sf); previously on
Feb 26, 2018 Upgraded to Ca (sf)
Issuer: Securitized Asset Backed Receivables LLC Trust 2007-NC1
Cl. A-1, Upgraded to Caa1 (sf); previously on
Feb 9, 2016 Upgraded to Caa2 (sf)
Issuer: RALI Series 2006-QA3 Trust
Cl. A-1, Upgraded to Caa1 (sf); previously on
Dec 14, 2010 Downgraded to Caa3 (sf)
Cl. A-2, Upgraded to Caa3 (sf); previously on
Dec 14, 2010 Downgraded to Ca (sf)
Issuer: RALI Series 2006-QA7 Trust
Cl. I-A-1, Upgraded to Caa3 (sf); previously
on Dec 14, 2010 Confirmed at Ca (sf)
Cl. II-A-1, Upgraded to Caa3 (sf); previously
on Dec 14, 2010 Confirmed at Ca (sf)
Issuer: Structured Asset Investment Loan Trust 2005-3
Cl. M3, Upgraded to Aa1 (sf); previously on Jun 11,
2018 Upgraded to A1 (sf)
Issuer: Structured Asset Investment Loan Trust 2006-1
Cl. A4, Upgraded to Caa1 (sf); previously on Oct 7,
2015 Upgraded to Caa3 (sf)
Issuer: Terwin Mortgage Trust, Series TMTS 2005-4HE
Cl. M-3, Upgraded to A1 (sf); previously on Feb
27, 2018 Upgraded to Baa1 (sf)
Cl. M-4, Upgraded to Caa3 (sf); previously on
Mar 31, 2017 Upgraded to Ca (sf)
The rating upgrades are primarily due to improved performance of the underlying
collateral and increases in credit enhancement available to the bonds.
Today's action also reflects the recent performance as well as Moody's
updated losses expectations on the underlying pools.
The principal methodology used in these ratings was "US RMBS Surveillance
Methodology" published in February 2019. Please see the Rating
Methodologies page on www.moodys.com for a copy of this
Factors that would lead to an upgrade or downgrade of the ratings:
Ratings in the US RMBS sector remain exposed to the high level of macroeconomic
uncertainty, and in particular the unemployment rate The unemployment
rate fell to 3.5% in December 2019 from 3.9%
in December 2018. Moody's forecasts an unemployment central range
of 3.8% to 4.2% for the 2020 year.
Deviations from this central scenario could lead to rating actions in
the sector. House prices are another key driver of US RMBS performance.
Moody's expects house prices to continue to rise in 2020. Lower
increases than Moody's expects or decreases could lead to negative rating
actions. Finally, performance of RMBS continues to remain
highly dependent on servicer procedures. Any change resulting from
servicing transfers or other policy or regulatory change can impact the
performance of these transactions.
A list of the action including CUSIP identifiers and the associated pool
losses may be found at: http://www.moodys.com/viewresearchdoc.aspx?docid=PBS_SF486428
For more information please see www.moodys.com.
For further specification of Moody's key rating assumptions and sensitivity
analysis, see the sections Methodology Assumptions and Sensitivity
to Assumptions of the disclosure form.
The analysis includes an assessment of collateral characteristics and
performance to determine the expected collateral loss or a range of expected
collateral losses or cash flows to the rated instruments. As a
second step, Moody's estimates expected collateral losses or cash
flows using a quantitative tool that takes into account credit enhancement,
loss allocation and other structural features, to derive the expected
loss for each rated instrument.
Moody's quantitative analysis entails an evaluation of scenarios
that stress factors contributing to sensitivity of ratings and take into
account the likelihood of severe collateral losses or impaired cash flows.
Moody's weights the impact on the rated instruments based on its
assumptions of the likelihood of the events in such scenarios occurring.
For ratings issued on a program, series, category/class of
debt or security this announcement provides certain regulatory disclosures
in relation to each rating of a subsequently issued bond or note of the
same series, category/class of debt, security or pursuant
to a program for which the ratings are derived exclusively from existing
ratings in accordance with Moody's rating practices. For ratings
issued on a support provider, this announcement provides certain
regulatory disclosures in relation to the credit rating action on the
support provider and in relation to each particular credit rating action
for securities that derive their credit ratings from the support provider's
credit rating. For provisional ratings, this announcement
provides certain regulatory disclosures in relation to the provisional
rating assigned, and in relation to a definitive rating that may
be assigned subsequent to the final issuance of the debt, in each
case where the transaction structure and terms have not changed prior
to the assignment of the definitive rating in a manner that would have
affected the rating. For further information please see the ratings
tab on the issuer/entity page for the respective issuer on www.moodys.com.
For any affected securities or rated entities receiving direct credit
support from the primary entity(ies) of this credit rating action,
and whose ratings may change as a result of this credit rating action,
the associated regulatory disclosures will be those of the guarantor entity.
Exceptions to this approach exist for the following disclosures,
if applicable to jurisdiction: Ancillary Services, Disclosure
to rated entity, Disclosure from rated entity.
Regulatory disclosures contained in this press release apply to the credit
rating and, if applicable, the related rating outlook or rating
Please see www.moodys.com for any updates on changes to
the lead rating analyst and to the Moody's legal entity that has issued
the rating.
Please see the ratings tab on the issuer/entity page on www.moodys.com
for additional regulatory disclosures for each credit rating.
Zhiyu Jiang
Associate Lead Analyst
Structured Finance Group
Moody's Investors Service, Inc.
250 Greenwich Street
New York, NY 10007
Client Service: 1 212 553 1653
Karandeep Bains
VP-Senior Credit Officer/Manager
Structured Finance Group
Client Service: 1 212 553 1653
Releasing Office:
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New York, NY 10007
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Dial 1-866-330-MDYS (1-866-330-6397)
Dial the AT&T Direct Dial Access® code for your location.
Then, at the prompt, dial 866-330-MDYS (866-330-6397).


text:
COFFEE because I Need It, WINE because I Deserve It!
COFFEE, Because I Need it!
WINE, Because I Deserve it!
Make your own Statement with this Quality Design on this name brand (FRUIT of the LOOM) shirt designed for both MEN or WOMEN to wear.
Great for Parties and Cookouts as well as Social and Sports events.
Simply select the Quantity, Favorite Color and Size desired to place it into your Shopping Cart.
NULIVIN4U designs high Quality ARTWORK Photography and SLOGANS that are placed onto products by our a SHOPIFY affiliate.
SAVE MONEY: Order multiple Tees to save on our great combined Shipping Charges. See the description of our standard SHIPPING charges used by SHOPIFY, available on our store's MAIN MENU page; SHIPPING INFO


text:
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