text:
You may see the following error message and code when you use your Xbox 360 console:
System Error: Contact Xbox Customer Support
Error code E32
If you see this error code and message, there may be a problem with the console.
Try the following steps:
|Xbox 360 E console
|Xbox 360 S console
Delete System Update
If any storage device contains a system update, the update and access to Xbox Live will be removed. To use these features again, sign in to Xbox Live and download the update. For more info, visit www.support.xbox.com/xbox-360/accessories/storage.
Your console will restart after the operation is complete. Do you want to continue?
|Original Xbox 360 console
If you keep experiencing the problem, contact Xbox Support.
If you own an original Xbox 360 console, try the steps in our Flashing Lights Solution. Choose one flashing light as the problem and follow the steps in the solution.
Repair or warranty questions? See Xbox 360 warranty, registration and repair: Frequently asked questions.
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So last night I hosted our book club meeting. I feel so lame admitting that I belong to a book club, but it's a nice way to get together and chat with the girls. I'm surprised they haven't kicked me out because I'm terrible at finishing the books we pick. It's not that they aren't good, I'm just about the worst procrastinator known to man. This month we're reading Pride and Prejudice, which is my ultimate favorite so I'm not too concerned with this one. Plus, my brother bought me a Kindle for Christmas so I'll be able to read it on my new technology!
For dinner, I made the Everyday Mac and Cheese recipe that I posted the other day. I was seriously impressed with how it turned out! Delicious! I don't think I allowed the sauce to thicken enough as it was a little on the soupy side, but still really good! My husband loved it. I used the whole wheat noodles and skim milk instead of 2 percent. The perfect comfort food for a cold, winter day.
Now I just need to figure out what I'm making tonight! Any suggestions?

subset: commoncrawl


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Watch more videos at http://www.zoukatlanta.com Subscribe at http://www.youtube.com/c/zoukatlanta
Watch more videos at http://www.zoukatlanta.com Subscribe at http://www.youtube.com/c/zoukatlanta David Bosco & Cleo Ramos - Amsterdam Brazilian Dance Festival 2017 - Samba de Gafieira Filmed by Derek Merriweather Music: Quatro Elementos - Joyce Moreno _______________________________________________________________ The Zouk Atlanta YouTube Channel showcases creative arts and movement artists from around the world. This channel features dance demonstrations, performances, improvisations, choreography, and more. Zouk Ballet Yoga Ballroom Contemporary Bachata Modern Salsa Hip-Hop East Coast Swing West Coast Swing Kizomba Breakdancing Tango Waltz Samba de Gafieira Rumba AcroYoga We've traveled internationally to London, Los Angeles, Amsterdam, Atlanta, New York, Miami, Toronto, Seattle, Washington D.C., Australia, New Zealand, and more places. Connect with us: http://instagram.com/zoukatlanta https://twitter.com/ZoukAtlanta http://facebook.com/zoukatlanta https://www.pinterest.com/ZoukAtlanta/ Contact us about video production or dance classes.


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It was bound to happen sooner rather than later, and so the Ducks announced Friday they would retire Teemu Selanne's iconic No. 8 jersey before their Jan. 11 game against the Winnipeg Jets at the Honda Center, the first to hang in the arena's rafters.
The date was a natural since Selanne began his NHL career in Winnipeg in 1992-93, earning Rookie of the Year honors after scoring 76 goals, a record for a first-year player that's stood the test of time.
Selanne then played two stints with the Ducks, leading them to the Stanley Cup title in 2007.
"What a great honor," Selanne said in a statement released by the Ducks. "The Samuelis and the entire Ducks organization have made this a very special place for me and my family. I look forward to sharing this special night with our fans, who have treated me so well for 18 years."
Selanne referred to Henry and Susan Samueli, the Ducks' owners.
The future Hall of Fame right wing retired after the Kings eliminated the Ducks in Game 7 of their second-round playoff series last spring. He finished his career with the Ducks as the franchise's leader in goals with 457, assists with 531 and games with 966.
He also won the inaugural Maurice Richard Trophy as the NHL's top goal-scorer in 1998-99 and was named the Bill Masterton Memorial Trophy winner in 2005-06, returning to world-class form after offseason knee surgery after returning to the Ducks after he was traded in 2001.
Selanne retired after the Ducks won the Stanley Cup championship in 2007, but returned to the team at midseason in 2007-08. He continued to play an effective role before finally calling it a career at 43 after last season, when his ice time was reduced.
"Teemu is our franchise icon and deserves to be the first player in club history to have his jersey retired," the Samuelis said in a joint statement. "His dedication to this franchise and our community is unmatched. We eagerly anticipate Jan. 11, when we pay tribute to a world-class player and champion, our own Teemu Selanne."


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BOSTON — The author of a health book has sued Elisabeth Hasselbeck, accusing the co-host of ABC's "The View" of plagiarism.
The lawsuit, filed Monday in federal court in Massachusetts, alleges that Hasselbeck lifted "word for word" content from a book written by Susan Hassett, a self-published author on Cape Cod.
Hasselbeck's book, "The G-Free Diet: A Gluten-Free Survival Guide," has appeared in the past month on several best-seller lists.
Hassett said in the lawsuit that she sent Hasselbeck a personal note and copy of her "Living With Celiac Disease" book as a courtesy after the television celebrity disclosed she had the illness last year.
Celiac disease is a digestive disorder associated with people who cannot digest gluten, a protein found in wheat, rye and barley.
Hassett said Hasselbeck's book "slavishly reproduces" lists and passages from her own work and includes inaccuracies about celiac disease that can be "misleading and dangerous" for people with the illness.
A lawyer for Hassett declined to comment Tuesday. Hasselbeck said in a statement that the allegations are baseless and she worked "diligently and tirelessly" on the book.
The lawsuit seeks to block the sale of Hasselbeck's book and asks that copies of it be withdrawn from distributors and stores.


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The Leader in Instrumentation
Life Technologies, through its legacy Applied Biosystems business, is an industry leader in the development and commercialization of instrument systems for the life science industry with nearly 30 years of expertise. From the early days of protein synthesis to our revolutionary next-generation sequencing platform, Life Technologies has been combining hardware and software to help researchers push the limits of scientific discovery. As they have matured and evolved, our platforms have been used not just for discovery, but also for industrial applications—further highlighting the robust nature of our instruments. We offer a wide variety of instruments for use in many different workflows, including flow cytometry, capillary electrophoresis, thermal cycling, nucleic acid sample preparation, massively parallel sequencing, real-time and endpoint PCR, western blotting, nucleic acid and protein quantitation, cell counting and viability determination, electroporation, and others. If you are interested in learning more about incorporating our instruments, software or instrument development capabilities into your product or service offering, please contact us at email@example.com


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European Commission
Brussels, 9 January 2013
Entrepreneurship as a main driver for economic growth
The Entrepreneurship Action Plan is a blueprint for decisive action to unleash Europe's entrepreneurial potential, to remove existing obstacles and to revolutionise the culture of entrepreneurship in Europe. Investments in changing the public perception of entrepreneurs, in entrepreneurship education and to support groups that are underrepresented among entrepreneurs are indispensable if we want to create enduring change. Only if a large number of Europeans recognise an entrepreneurial career as a rewarding and attractive option will entrepreneurial activity in Europe thrive in the long term.
Entrepreneurial education and training = growth and business creation
Investing in entrepreneurship education is one of the highest return investments Europe can make. Surveys suggest that between 15% and 20% of students who participate in a mini-company programme in secondary school will later start their own company, a figure that is about three to five times that for the general population. In the same vein, the role of higher education in entrepreneurship goes far beyond the delivery of knowledge to participating in business ecosystems, partnerships and industrial alliances. With high-tech and high-growth enterprises increasingly becoming a focus of entrepreneurship-related public policies, higher education institutions are an active component of Member States' and EU's innovation policies (European Commission's 'Rethinking Education' strategy and entrepreneurship: IP/12/1233).
In order to exploit the potential of entrepreneurship education, the Commission will take a number of actions, including those to:
Member States are invited to:
Create an environment where entrepreneurs can flourish and grow
Access to finance is a significant constraint
Access to finance constitutes one of the most significant constraints on growth and entrepreneurship in Europe. Entrepreneurs have particular difficulties in raising finance in the early stages of their businesses.
The Commission will:
Member States are invited to:
Supporting new businesses in crucial lifecycle phases
About 50% of new businesses fail during their first five years as businesses often lack an appropriate ecosystem to help them to grow. Given their limited resources and experience, small and newly created businesses suffer more from high compliance costs arising from complex tax legislation and cumbersome tax reporting procedures than large corporations do. In addition, in most of the EU, the legal frameworks for social security of self-employed persons differ substantially from that for the employed.
In order to support entrepreneurs in crucial phases of their lifecycle and help them grow,
the Commission will:
Member States are invited to:
Unleashing new business opportunities in the digital age
Better use of information and communication technology (ICT) can significantly help new businesses to thrive. ICT is the key source of growth for national economies and European SMEs grow two to three times faster when they embrace ICT.
Web entrepreneurs constitute a specific category of entrepreneurs who create new digital services and products that use the web as an indispensable component. Web start-ups tend to grow and fail faster than other businesses and scale exponentially, which translates into higher rewards but also higher risks. Web start-ups are cheaper to set-up and the entry barriers are low, making them an attractive vehicle to start an entrepreneurial career. For these reasons web entrepreneurs require tailored support measures to structurally strengthen the web start-up ecosystem.
Investing in digital technologies is no longer a choice: companies can nowadays only be competitive when they embrace the digital world. Digital entrepreneurs are those entrepreneurs that fully exploit digital products and services, including "cloud computing", to reinvent their business models and sharpen their competitiveness. The EU initiatives "Smart use of information technologies and the integration of SMEs in global industrial value chains", and e-Skills will promote the uptake of digital technologies and connect SMEs to the digital world.
The Commission will help entrepreneurs and SMEs to fully exploit the potential of ICT and smart use of these technologies by.
Member States are invited to:
Making transfers of business ownership easier
Every year approximately 450,000 firms with 2 million employees are transferred to new owners across Europe. Yet it can be so difficult to make a business transfer that an estimated 150,000 companies with 600,000 jobs may be lost each year. The main hindrances are regulatory or tax burdens, lack of awareness of necessary preparations and of transparent markets for such transactions, and the long time periods needed to comply with formalities. Would-be entrepreneurs should know that the acquisition of a 'going concern' may be an attractive alternative to starting a new business. Transfers should be made easier for both the entrepreneur who wishes to pass on his or her business and the acquirer.
The Commission will develop guidelines on the most effective programmes and best practices to make business transfers easier, including measures for deepening and expanding the markets for enterprises, mapping available programmes in Europe and proposing necessary actions to remove remaining possible barriers to cross-border business transfers.
Member States are invited to:
Turning failure into success: second chances for 'honest' bankrupt entrepreneurs
Evidence shows that by far the majority (96%) of bankruptcies are due to a string of late payments or other objective problems – they are, in other words 'honest failures', without any fraud by the entrepreneur. Yet research shows that 'second starters' are more successful and survive longer than average start-ups; they grow faster and employ more workers. Thus, a failure in entrepreneurship should not result in a 'life sentence' prohibiting any future entrepreneurial activity but should be seen as an opportunity for learning and improving.
The Commission has just submitted a proposal for the modernisation of the Regulation on insolvency proceedings to ensure cross-border recognition of the rescue of enterprises and facilitating the lodging of claims in another Member State. The Commission will also present a Communication on a new European approach to business failure and insolvency to create a more business friendly environment by improving the efficiency of national insolvency laws including the length and costs of the period of discharge from bankruptcy.
The Commission will also launch a public consultation to gather views from stakeholders on business failure and insolvency, including on giving honest bankrupts a second chance and on shortening and aligning the "time to discharge".
The Member States are invited to:
Regulatory burden reduction
Entrepreneurs should be the 'normal customer' for whom administrations benchmark their procedural requirements and yet nearly three-quarters of Europeans consider it too difficult to start their own business because of administrative complexities. Many more complain about heavy regulatory burdens imposed on the running of a business.
Reducing regulatory burden remains at the top of the Commission's political agenda.
The Commission will:
Member States are invited to:
Dynamising the culture of entrepreneurship in Europe: nurturing the new generation of entrepreneurs
The main motives of Europeans for starting an enterprise are self-realisation and flexibility of time and place of work, not good framework conditions. Therefore a radical change of the European culture towards new notions about entrepreneurship is needed, one that publicly celebrates success, brings the contributions of entrepreneurs to European prosperity to the fore and showcases the rewards of an entrepreneurial career.
The Commission will:
Member States are invited to:
Demographic groups that are underrepresented within the entrepreneurial population and especially founders of start-ups are young people, women, disabled, migrants and the unemployed. Europe must open paths for them into entrepreneurship to create jobs for them, empower them economically and socially and leverage their creative and innovative capacities.
Women constitute 52% of the total European population but only one-third of the self-employed or of all business starters in the EU. Women thus represent a large pool of entrepreneurial potential in Europe.
The Commission will create a Europe-wide on-line mentoring, advisory, educational and business networking platform for women entrepreneurs that will bring the current national ambassadors and mentors networks on-line, deepen their offer and expand their reach and support female entrepreneurship at national and regional level by promoting the exchange of best practices between Member States.
Member States are invited to:
Senior citizens are a valuable resource for entrepreneurship. Between 1990 and 2010 the share of citizens aged over 50 increased in Europe from 32.1% to 36.5% and the median age of the European population is expected to rise for the coming decades. Senior and retired entrepreneurs can also be a valuable knowledge resource for other entrepreneurs. The Commission will help exchange best practices helping senior executives and entrepreneurs to mentor new entrepreneurs as well as support mutual and intergenerational mentoring between entrepreneurs, to exchange vital skills, such as ICT literacy and the experience of seniors.
Member States are invited to:
Migrants represent an important pool of potential entrepreneurs in Europe. According to OECD, migrants are slightly more entrepreneurial than native citizens and foreign-born self-employed people who own a small or medium sized firm, can create between 1.4 and 2.1 additional jobs. However, qualified migrant populations often face legal difficulties, restricted access to labour markets and career opportunities that push them into self-employment.
The Commission will:
Member States are invited to:
Business development support for unemployed and in particular the youth should include signposting information and providing links to support services, advice and counselling, and business coaching and mentorship.
The Commission will:
Member States are invited to:
For full details, please refer to the Entrepreneurship Action Plan: Re-igniting the entrepreneurial spirit in Europe:
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Total time: 20 minutes, plus chilling time
Servings: This makes enough dough for 1 single (9-inch) pie crust or 4 (double-crust) to 6 (single-crust) mini-pies
1 1/2 cups (6.4 ounces) flour
3/4 teaspoon salt
2 teaspoons sugar
3 tablespoons cold shortening
5 tablespoons cold butter, cut into ½-inch cubes
1 1/2 teaspoons cider vinegar
3 to 4 tablespoons ice water, more if needed
Prepared egg wash (1 egg beaten with 1 tablespoon water)
1. To make the dough using a food processor, pulse together the flour, salt and sugar until thoroughly combined. Add the shortening and pulse until incorporated (the dough will look like moist sand). Add the butter and pulse just until the butter is reduced to small, pea-sized pieces. Sprinkle the vinegar and water over the mixture, and pulse once or twice until incorporated. Remove the crumbly mixture to a large bowl and gently press the mixture together just until it comes together to form a dough. Mold the dough into a disk roughly 6 inches in diameter. Cover the disk tightly with plastic wrap and refrigerate at least 2 hours.
To make the dough by hand, whisk together the flour, salt and sugar in a large bowl. Add the shortening and incorporate using a pastry cutter or fork (the dough will look like moist sand). Cut in the butter just until it is reduced to small, pea-sized pieces. Sprinkle the vinegar and water over the mixture, and stir together just until incorporated. Proceed as above.
2. Form the mini-pies: Prepare the muffin tins by greasing every other cup (fill alternating muffin cups to allow extra room to form and crimp the mini-crusts and to allow the heat to circulate more evenly to bake the crust as it bakes). On a lightly floured surface, roll out the dough into a round one-eighth-inch thick and roughly 14 inches in diameter. Cut the dough into rounds using a 5½-inch cutter . Gather the scraps and re-roll, cutting more large rounds (for bottom crusts) or smaller rounds (about 3 inches) to make the top crust. Carefully place the rounds in the muffin cups, pressing the dough against the bottom and edges of the cups. The dough should extend above the cups by one-half to three-fourths inch; roll the edges and crimp as desired.
3. If pre-baking the mini-pie crusts, gently line the shells with foil and fill with pie weights. Bake in a 425-degree oven for 10 minutes, then remove the weights and foil. Brush the edges of the mini crusts with egg wash and prick the bottom once or twice with a fork. Continue baking until the bottom of the crust is dry and lightly colored, 6 to 8 minutes more.
Each of 8 servings, without egg wash: 193 calories; 2 grams protein; 18 grams carbohydrates; 1 gram fiber; 12 grams fat; 6 grams saturated fat; 19 mg cholesterol; 1 gram sugar; 220 mg sodium.


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The Senate has finally confirmed former Nebraska Republican Sen. Chuck Hagel as the next Secretary of Defense. The 58 to 41 vote ended "a long and contentious nomination process marked by an unprecedented GOP filibuster of a presidential cabinet level nominee," notes TalkingPointsMemo.
The Republican filibuster of their former colleague ended this afternoon. Hagel will succeed Leon Panetta and will "immediately inherit a budget crisis," notes USA Today.
Last week, the Pentagon announced that it plans to furlough the majority of its 800,000 civilian employees to help meet a $46 billion shortfall caused by automatic spending cuts that begin March 1 and its stop-gap budget that prevents shifting funds to urgent needs.
Four Republicans joined 54 Democrats to approve Hagel: Cochran (MS), Johanns (NE), Shelby (AL) and Rand Paul (KY). "All 41 no votes came from Republicans," adds the Washington Post. Former Republican presidential nominee John McCain also switched his vote to a "no."
Hagel voted to authorize the Iraq War in 2003. The Nebraska Republican later became a frequent critic of the Bush Administration prosecution of the war.


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I think it seems ridiculous! Amazon even placed Alexa on their Fire tablets... I suppose a quick rollout is not in the books for Google this time. Annoyance if you ask me.
But GA is different kc... Honestly, I think Google is attempting enough publicity (dare I say) stunts... I think a humble approach to test the waters is their bag right now. Maybe some open-mindedness? Of course, I find Amazon bothersome with their continuous ads on their homepage about their assistants. Google has other things it can be proud of in the process, so it's not like a big deal or anything.
You had me there... Does Apple care though? Apple is like an island, Google like a fish, and Amazon like a tree... Catch my drift? (No pun intended) I can see why Amazon is leading the assistance industry... It's just innovation. I mean Tesla is doing the experimental cars industry... Google is best in search - but assistance is a big boost in Google and I think they are evolving the way content is being "personalized" I suppose for users by doing this assistance thing. User assistance is like a needs scenario, where a certain need needs met, and Google targets that aspect I think - because it's so obvious judging from their ads and other targeted/personalized content. You can see right through the disguise. I mean Gmail is being personalized... Is someone reading my email. How creepy dude! What do you think indy? Am I just being melodramatic or what?
I suppose a little melo, but no biggie. Lol it's just I don't recognize the value in deciding if Amazon, Google, or Apple is better - I mean if we lead discussions like this, we might as well present evidence and carry on forward with the intention of impressing people with the amazing features. Where's the fun in dealing with replica products... Why not have something different, innovative, or high quality? Right???
IndyPhone You're correct. Why not do something new and fresh, ya know?! Honestly.
As we have seen, these are technology companies, using user data to make improvements, personalizations, and other forms of usage of user's data to evolve the world of technology. Yes, it's for money most of the time, as user data is sold on a normal basis, but do not forget the dichotomy still existing on which concept is better: user personalization or guerrilla technology. Evolved or improved. Sultry or dry. Etc.
Yeah, totally. Thanks for replying.
what is the progress on this then/
LGwinner i doubt they'll even let tablet users in
LGwinner not happening it seems, just a limited service
bingdom i don't like the GA anyway...
MightyMouse eh oh well, i'm not worried either
hagoromo Some people have been DIYing their own Google Home devices.
LGwinner yup... not a bad idea


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Air conditioning for commercial vehicles
The level of climate comfort experienced in today's vehicles is already at a high level and will continue to rise in the future. However, vehicle air conditioners have more to offer than just a comfortable ride. They also play a key role in terms of safety. In addition to keeping the driver comfortable and alert, the air conditioner also dehumidifies the cabin air, thus preventing windows from fogging up. We develop HVAC systems for all market segments—from subcompact cars to premium passenger cars and commercial vehicles. Our engineers work continuously to enhance HVAC system efficiency by employing optimized heat exchangers and state-of-the-art electrical components. A further key objective is to minimize weight. In combination with the battery cooling system in electrified vehicles or with the engine cooling system—e.g., through the integration of a coolant-cooled condenser in the low-temperature circuit—, ever more complex systems emerge, which we are able to master perfectly with our networked validation tool.


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Mens Compression
Keeping warm while maintaining your performance is key to getting the best out of your sport. With our line of compression clothing, they will do just that, from long sleeve tops to full length tights, we have you, literally, covered, whatever the exercise!
There are no products matching the selection.


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White Indoor-Outdoor Steel Patio Arm Chair with Round Back
Out of Stock
was $82.00 $28.49
Detailshttps://www.churchchairs4less.com/CO-3-WH-GG.html White Indoor-Outdoor Steel Patio Arm Chair with Round Back
Item # CO-3-WH-GG
About Product
Liven up your decor with this impressively designed chair. Add color and style to your kitchen, patio or bistro. This colorful chair is a rare find that is crafted in a transparent rain flower design. The versatility of this chair easily conforms in different environments. Chairs are lightweight and easily stack for storing. The frame is designed for all-weather use making it a great option for indoor and outdoor settings. For longevity, care should be taken to protect from long periods of wet weather. The legs have protective plastic feet that prevent damage to flooring.
Product Features
- Stackable Patio Chair
- Stack Quantity: 8
- Curved Round Back Design
- Integrated Arms
- Rain Flower Back and Seat Design
- White Powder Coated Frame Finish
- 1.2mm Tubular Frame
- Floor Protector Plastic Glides
- Lightweight Design
- Designed for Indoor or Outdoor Use
- Designed for Commercial or Residential Use
Product Specs
- Width 21"
- Depth 24"
- Height 32.25"
- Seat Width 15.5"
- Seat Depth 17"
- Seat Height 17.25"
- Back Width 16"
- Back Height From Seat 17.25"
- Arm Height From Floor 25.5"
- Arm Height From Seat 9"
- Weight Capacity 300 lbs
- Stack Quantity 8 Count
- Color White
- Material Steel, Plastic
- Seat Material Metal
- Back Material Metal
- Frame Material Metal
- Style Contemporary
- Back Style Round
- Arms Yes
- Suitable For Commercial Use Yes
- Suitable for Outdoor Use Yes
- ANSI / BIFMA Yes
- Returnable Yes
- Brand Flash Furniture
- Manufacturer Part Number CO-3-WH-GG
Recently Viewed
White Indoor-Outdoor Steel Patio Arm Chair with Round BackItem # CO-3-WH-GGwas $82.00 $28.49


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Mike Palmer was in NYC this week so I made the trip to meet up with him for our very own photo walk around the city. We intended to take a class at B&H Photo but when we got there we decided to "ditch class" (Shssssh! Don't tell Mom I skipped school!) and instead we shop around B&H. I had to control myself from walking out with a new lens and instead settled for a very small purchase of an SD card holder.
We did a lot of sightseeing, stopped in Times Square and had lunch at Hard Rock, then headed over to the International Center for Photography for the Avedon Fashion Photography exhibit (amazing work!). We ended the day wandering around Central Park. Despite the sweltering heat I had a great time!! Thanks Mike!
I edited all of the photos from today but I'm going to break up the posts throughout the week while I'm busy moving out, moving in and unpacking. After tomorrow I won't have internet until Saturday (if I even have my computer set up by then!) Then Monday I'm off to NC so I'll be pre-setting up some blog posts of our visit to NYC so stop back for more!
And a good 'ol cell phone pic! (Just ignore my sweaty red face…it felt like it was 110 degrees!!)


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LGV Trainee Driver
- Recruiter
- Specialised HGV
- Location
- Solihull
- Salary
- £25k - £35k
- Posted
- 14 Apr 2018
- Closes
- 22 Apr 2018
- Sector
- Transport & Logistics
- Contract Type
- Full Time
We are the largest HGV and LGV Recruitment Company in the UK and train and place over 20% of all new drivers in the UK.
We are urgently looking for motivated people to learn to become an HGV driver to fill some of the 50,000 vacancies available nationwide.
Anyone 18+ with a full UK driving licence can become an HGV driver and we provide all the necessary training to get your Cat C or Cat C+E licence.
- Earn up to £650 a week
- Flexible working hours
- Train where you want – over 60 training centres across the UK
- 92% Pass Rate with Pass Protection!
We place newly qualified drivers in jobs for companies such as Tesco, Jewson, HSS Hire, Amazon and many more …..
For more information please fill out the short application form by clicking the "APPLY NOW" button.
This job was originally posted as www.jobsite.co.uk/job/960527883


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Goodreads, the literary social networking site, has just been acquired by Amazon for an undisclosed price. Users of the site share what they're reading and discuss books with other users.
In an announcement on Thursday afternoon on the Goodreads website, the small San Francisco startup's founders gushed about the giant book retailer.
"We truly could not think of a more perfect partner for Goodreads as we both share a love of books and an appreciation for the authors who write them," wrote the company's co-founder, Otis Chandler. "We also both love to invent products and services that touch millions of people."
Founded six years ago, Goodreads says it has more than 16 million members who share, discuss, and recommend thousands of books on the site.
"For all of you Kindle readers, there's obviously an extra bonus in this announcement," Chandler added. "You've asked us for a long time to be able to integrate your Kindle and Goodreads experiences. Making that option a reality is one of our top priorities."


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The EPA's jihad against coal is going to come sugar coated with assurances that we can still burn coal provided utilities and power generators manage to sequester their carbon emissions. Carbon sequestration! The environmental equivalent of Thirty Days to Thinner Thighs! (Except at 100 times the cost stated in the infomercial.)
The problem here is that the technology appears to be hugely expensive and is largely unproven beyond a few miniscule uses for carbon dioxide injected into enhanced oil recovery projects. Maybe this will change—the EPA better hope so or its prospective rule will be vulnerable to legal challenge—but so far the augurs are not good. To wit, one of the world's biggest carbon capture and sequestration demonstration projects, much touted over the last few years, has come a cropper:
Norway nixes big carbon capture project at Statoil refinery in Mongstad
By KJETIL MALKENES HOVLAND
OSLO—Norway is shutting down the Statoil-operated Mongstad full-scale CO2 capture project, Oil Minister Ola Borten Moe said Friday, ending the prestigious environmental project that outgoing Prime Minister Jens Stoltenberg branded Norway's "moon landing" in 2007.
The International Energy Agency — the energy watchdog of the Organization of Economic Cooperation and Development — has said that CO2 capture and storage from power plants fired by oil, gas and coal will play a vital role in worldwide efforts to limit global warming, contributing to about 20% of required emissions reductions in 2050.
The Mongstad full-scale project was meant to capture CO2 from the nearby gas-fired power plant and refinery, and the government had estimated the planning to cost NOK3 billion. The project is led by Statoil, but the government pays all the costs.
The project has been both challenging and costly, and the risks are now seen as too big to go through with it, the government said.
"We must have a project we can stand for, so we can show that this [technology] is good," Mr. Moe told the Wall Street Journal in an interview. "When our assessment is that Mongstad isn't such a project, it's the right thing to do what we are now doing, taking the consequences."
The uncertainty about the CO2 capture project also increased because the Western European refinery business is struggling, the government said. This has hurt the margins at Statoil's Mongstad refinery, one of the project's CO2 sources.
Statoil said it has no plans to shut down the refinery, which ran a surplus in 2012 for the first time in years, and was going through a cost savings program.
There's more at the link, but this is enough. Norway's government has spent 7.2 billion kroner on this project, which is roughly about $1.5 billion. That's a lot to spend on a refinery for no additional energy output.
Stay tuned for Friday, and check back for tomorrow's Climate Countdown feature.
UPDATE: Did the Obama EPA just blink a little:
WASHINGTON — Environmental Protection Agency Administrator Gina McCarthy said Monday that forthcoming rules on greenhouse gas emissions from existing power plants will not require them to have carbon capture and storage technology.
Speaking with reporters at a breakfast event sponsored by the Christian Science Monitor, McCarthy said that the technology is not a good fit for the power plants that are already in operation.
"[Carbon capture and storage] is really effective as a tool to reduce emissions when it's designed with the facility itself," said McCarthy. "It is not seen, at least at this stage, as an add-on that can be used on an existing facility. It doesn't seem like it's appropriate at this stage."


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The One And Only
How did you find this site?
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- TheOfficialDJScrewJr
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The One And Only
Before I say anything else this name was given to me by a member of the S.U.C. and yes I am affliated! I heard members of your forum were talkin dine cause of my dj name but I'm here to say if u don't like it take it up with the Screw Shop. If y'all wanna hear my work let me know my mixtapes are selling fast for a reason same reason I was named Screw Jr
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A common stumbling block when trying to scale agile software development for complex situations is how to understand, prioritize, and then act on the multitude of requirements, which their system must address. This is an issue that traditional teams also face, one that is often addressed by business analysts. While business analysis activities are important, it doesn't imply that you necessarily need people in that specific role, nor does it imply that you need detailed requirements documentation. Then again, Extreme Programming's (XP) practice of having a single "on-site customer" doesn't seem to work beyond anything more than the simplest of situations. Most real-world Agile teams find that they need something in between these two extremes.
To successfully scale XP's on-site customer practice to meet your specific needs, my experience is that you should adopt four values pertaining to your relationships with stakeholders. In the lingo of the Agile Alliance, these four values describe preferences; while the ideas on both sides of each value are important, the ones on the left are more important than the ones on the right. These four values are:
- Stakeholders over customers.
- Communication conduits over product owners.
- Business analysis over business analysts.
- Stakeholders over stakeholder proxies.
Stakeholders Over Customers
The idea of the on-site customer practice is that there should be someone for the team to go to for timely information about the domain and to make timely decisions, particularly when it came to prioritization. Unfortunately, many people misinterpreted this advice to mean that you only needed to work with a single person, that you only needed to focus on the needs of end users, or that the person funding the project (the "gold owner") should drive all requirements. In the second version of XP, these misconceptions were cleared up, yet many teams still seem to fall into this trap.
Years ago, in Agile Modeling (Wiley Publishing, 2002), I pointed out that projects have a wide range of stakeholders, far more than just end users and gold owners. We also need to consider the needs of operations and support people, senior managers, architects, regulatory compliance auditors, senior management, and so on. These stakeholders all have important, different, and sometimes conflicting needs, which your project team must take into account. Unfortunately, it can be daunting when you first visibly recognize how many stakeholders actually exist, but the fact is that you will put your project team at risk if you limit yourself to just business stakeholders.
In Outside-In Software Development (IBM Press, 2007), Carl Kessler and John Sweitzer described a strategy for categorizing stakeholders. This categorization helps to make the range stakeholders explicit while at the same time managing to simplify the overall concept. Their four stakeholder categories are:
- End users. The people who will use your system, often to fulfill the goals of your principals. They typically want systems that are usable and enable them to do their jobs more effectively.
- Principals. The decision makers who ultimately pay for and then put your system to use. This includes gold owners, senior business management, and purchasers of the commercial systems.
- Partners. People who make the system work in production. This includes operations staff, support staff, trainers, legal experts, installers, application hosting companies, and application developers on external systems, which integrate with yours.
- Insiders. Members of the development team and people who provide technical and business services to your team. This includes enterprise architects, database administrators, security experts, network experts, toolsmiths, marketing experts, and sales staff.


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Matt Newman
"I see little point in retrospectively making that an invalid use."
Is that what would happen?
Don't you actually validate against the doctype that you specify?
So imho any element's usage could be redefined wihtout retrospectively breaking how it used to be, because it is only validated against the doctype specified with the document itself.


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Implementation of new strategy with significant impact on 2012 results
Update on Strategy 2015+
- Management proceeds with implementation of new strategy, including establishing Non-Core Operations Unit (NCOU) and executing Operational Excellence Program (OpEx).
- Actions taken are reflected in specific accounting effects, notably impairments of goodwill and other intangible assets and further specific charges. The results were also impacted by significant litigation related charges. Together, these items resulted in a EUR 2.6 billion loss before income taxes in 4Q2012.
- 4Q2012 income before income taxes (IBIT), after adjusting for the impairments of goodwill and other intangible assets and significant litigation related charges, which together amount to EUR 2.9 billion, was EUR 0.3 billion, to which the Core Bank contributed EUR 1.0 billion.
- 2012 IBIT, after adjusting for the aforementioned charges, which together amount to EUR 3.5 billion for the full year, was EUR 4.9 billion, to which the Core Bank contributed EUR 6.5 billion.
- At the same time management has accelerated capital formation and derisking, which resulted in a pro-forma Basel 3 fully-loaded Core Tier 1 capital ratio of 8.0% at 31 December 2012. Management now aims to achieve 8.5% as of 31 March 2013.
- OpEx on track with EUR 0.4 billion of savings realized in second half of 2012
- Implementation of a clear framework for a deep long-term cultural change
- Creation of sustainable and respected compensation practices
- Full year variable compensation relative to revenues decreased to longtime low of 9%
- Cash dividend of EUR 0.75 per share recommended
Full year 2012 results
- IBIT was EUR 1.4 billion (2011: EUR 5.4 billion), net income was EUR 0.7 billion (2011: EUR 4.3 billion)
- Revenues were EUR 33.7 billion, up from EUR 33.2 billion in 2011
- Noninterest expenses of EUR 30.6 billion, which was an increase of EUR 4.6 billion, were significantly impacted by EUR 1.9 billion impairments of goodwill and other intangible assets, EUR 1.6 billion of significant litigation related charges, and further specific items
- Pre-tax return on average active equity (RoE) of 2.4% in 2012 (2011: 10.3%)
- Cost/income ratio of 90.8% (2011: 78.2%)
- Basel 2.5 Core Tier 1 ratio at 11.6% as of 31 Dec 2012 (2011: 9.5%)
Fourth quarter 2012 results
- Loss before income taxes was EUR 2.6 billion (4Q2011: loss before income taxes of EUR 0.4 billion), net loss was EUR 2.2 billion (4Q2011: net profit of EUR 0.2 billion)
- Revenues were EUR 7.9 billion, up 14% versus 4Q2011 (EUR 6.9 billion)
- Noninterest expenses of EUR 10.0 billion, which was an increase of EUR 3.3 billion, were significantly impacted by EUR 1.9 billion impairments of goodwill and other intangible assets, EUR 1.0 billion of significant litigation related charges, and further specific items
Jürgen Fitschen and Anshu Jain, Co-Chairmen of the Management Board and the Group Executive Committee, said: "This is the most comprehensive reconfiguration of Deutsche Bank in recent times. With the launch of Strategy 2015+ in September, we embarked upon the path of deliberate but sometimes uncomfortable change in order to deliver long term, sustainable success for the Bank. Simultaneously, we set the bank on course for fundamental cultural change. This journey will take years, not months.
While several actions taken to mobilize Strategy 2015+ had an expected material impact on our fourth quarter financial results, we are encouraged by the initial results, especially with the achievement of an 8.0% pro-forma Basel 3 fully-loaded Core Tier 1 ratio. This is equivalent to an equity raising of at least EUR 8 billion for the year 2012. Our business divisions achieved strong operating results and we made good progress in our Operational Excellence Program, achieving some EUR 400 million of savings in the second half of 2012."
During 4Q2012, Deutsche Bank proceeded with the implementation of its Strategy 2015+, announced in September. As at 31 December 2012, the Bank's pro-forma Basel 3 fully-loaded Core Tier 1 ratio was 8.0%, compared to less than 6% at the end of 2011, significantly above the Bank's communicated target of 7.2% for year-end 2012. This development predominantly reflects strong delivery on portfolio optimization and derisking of non-core activities, as well as model and process enhancements. The Bank raised its Basel 2.5 Tier 1 capital ratio to 15.3%, its highest level ever, up from 12.9% at the end of 2011.
In the second half of 2012, the Bank achieved a reduction in Basel 3 risk weighted asset equivalents of EUR 80 billion since 30 June 2012, versus our communicated target of EUR 90 billion for 31 March 2013.
As a result, Deutsche Bank raises its target for the Basel 3 fully-loaded Core Tier 1 capital ratio from 8.0% to 8.5% for 31 March 2013.
Underlying performance in the Bank's core businesses was strong. Group net revenues were EUR 33.7 billion in 2012, up from EUR 33.2 billion in the prior year. Provision for credit losses was EUR 1.7 billion in 2012, down from EUR 1.8 billion in 2011. Full year IBIT for the Group, after adjusting for the impairment of goodwill and other intangible assets and significant litigation related charges, which together amount to EUR 3.5 billion, was EUR 4.9 billion, to which the Core Bank contributed EUR 6.5 billion.
For 4Q2012, IBIT, after adjusting for the aforementioned charges, which together amount to EUR 2.9 billion, was EUR 0.3 billion, to which the Core Bank contributed EUR 1.0 billion.
As anticipated, several decisions taken by the Bank in the context of the mobiliza-tion of Strategy 2015+ had a material impact on 4Q2012 financial results. In 4Q2012 the Bank took impairment charges on goodwill and other intangible assets of EUR 1.9 billion, primarily relating to businesses acquired by Corporate Banking & Securities (CB&S) and Asset and Wealth Management (AWM) prior to 2003 and to businesses assigned to the NCOU. The impairment charges reflect the implementation of strategic initiatives, including accelerated derisking of non-core activities, implementation of OpEx and the introduction of a new divisional structure including the creation of a dedicated NCOU. They also reflect the impact of market conditions on parameters underlying the valuation of these business units. The goodwill and intangibles impairment charges did not impact the Bank's pro-forma Basel 3 fully-loaded Core Tier 1 ratio.
In 4Q2012 the Bank also took EUR 1.0 billion of significant litigation related charges (significant meaning charges larger than EUR 100 million), reflecting adverse court rulings and developments in regulatory investigations.
Noninterest expenses increased by EUR 3.3 billion to EUR 10.0 billion compared to 4Q2011, significantly impacted by EUR 1.9 billion impairments of goodwill and other intangible assets and EUR 1.0 billion of significant litigation related charges. Noninterest expenses adjusted for these items were EUR 7.1 billion compared to EUR 6.4 billion in 4Q2011. Adjusted noninterest expenses in 4Q2012 included further specific items of EUR 0.9 billion, comprising EUR 0.4 billion of cost-to-achieve (CtA) related to OpEx and the integration of Postbank and other charges related to the turnaround measures in the Bank's commercial banking activities in the Netherlands and a write-down of IT in AWM. The Bank met the published objectives of OpEx for year-end 2012, achieving savings of EUR 0.4 billion in the second half of 2012.
The Bank reported a loss before income taxes for 4Q2012 of EUR 2.6 billion (4Q2011: loss before income taxes of EUR 0.4 billion) and a net loss of EUR 2.2 billion (4Q2011: net income of EUR 0.2 billion). For the full year 2012, Deutsche Bank's IBIT was EUR 1.4 billion (2011: EUR 5.4 billion); 2012 net income was EUR 0.7 billion (2011: EUR 4.3 billion).
The management is determined to bring about deep cultural change at Deutsche Bank. Short term measures are an overhaul of the compensation practices and the continued tightening of the control environment. The Bank significantly reduced the bonus pool. Full year variable compensation is down to 9% of revenues – the lowest level for many years. Additionally, the Compensation Panel, chaired by Jürgen Hambrecht, made a series of recommendations which played a part already in the 2012 compensation. The Panel recommended, for example, that the Bank reduces deferrals, thus reducing the compensation cost for future years. It also advised that measures of performance for clients play a greater role in performance management assessments. Longer term measures towards achieving deep cultural change include issues like client integrity, operational discipline and cross-silo cooperation. These areas of focus were identified by conducting the most comprehensive dialogue with employees in recent years.
The Management Board and the Supervisory Board will propose a cash dividend of EUR 0.75 per share for 2012 at the Annual General Meeting on 23 May 2013.
Unaudited preliminary results [Notice: Table 1 is available in the attachment]
Capital, Liquidity and Funding [Notice: Table 2 is available in the attachment]
The Bank's Basel 2.5 Core Tier 1 capital was 11.6% at the end of 4Q2012, up from 10.7% at the end of 3Q2012. The increase in our Core Tier 1 capital ratio was largely driven by EUR 32 billion lower RWA as well as reduced securitization capital deduction items both a result of our successful targeted management action and de-risking program.
The Basel 3 pro-forma Core Tier 1 capital ratio of 8.0% as of 31 December 2012 reflects EUR 55 billion of risk mitigation in 4Q2012 including the above mentioned Basel 2.5 effects.
Liquidity reserves were in excess of EUR 230 billion with approximately 50% being in cash and cash equivalents. Starting December 2012 the definition of the group wide liquidity reserves includes reserves held on a Postbank AG level, which contributed in excess of EUR 25 billion at year-end.
Over the course of 4Q2012 we raised a further EUR 1.9 billion of debt funding tak-ing the total term funding to EUR 17.9 billion. The average spread of our issuance over the relevant floating index was 64bps for the full year 2012 with an average tenor of 4.2 years.
In 2013, we have modest refinancing needs of up to EUR 18 billion which we in-tend to raise through a variety of funding channels including benchmark issuances, private placements as well as retail networks.
Leverage ratio (adjusted) remained materially unchanged at 21 compared to the previous quarter, as a EUR 82 billion reduction in adjusted assets was offset by lower total equity (adjusted).
Segment ResultsIn 4Q2012, the Bank implemented its new segment structure, which includes the formal establishment of a new business division called Non-Core Operations Unit (NCOU). The NCOU has been created by the reassignment of management responsibilities for non-core operations and the allocation of portfolios and individual assets that qualified under the selection criteria of the NCOU. The new segment structure also led to an integrated Asset & Wealth Management (AWM) division, which now also includes the former Corporate Banking & Securities (CB&S) passive and third-party alternative assets businesses such as exchange traded funds (ETFs). Previously reported financial data has been restated from Dec 2010 onwards in accordance with the new segment structure.
Corporate Banking & Securities (CB&S) [Notice: Table 3 is available in the attachment]
Fourth quarter 2012
Net revenues increased by EUR 1.0 billion, or 43%, compared to 4Q2011. Net revenues included EUR 516 million related to the impact of a refinement in the calculation methodology of the Debt Valuation Adjustment (DVA) on certain derivative liabilities in 4Q2012. Excluding the impact of DVA, net revenues increased by EUR 517 million, or 22%, compared to 4Q2011. The main driver for the improvement were Origination and Advisory net revenues, which increased by EUR 271 million, or 63%, compared to 4Q2011, mainly due to higher Debt and Equity Origi-nation revenues, reflecting increased corporate debt issuance and ECM activity respectively. Furthermore, Sales & Trading (debt and other products) net revenues increased by EUR 157 million, or 12%, compared to 4Q2011, despite a loss of EUR 186 million in 4Q2012 relating to Credit Valuation Adjustment (CVA) due to the impact of a refinement in the calculation methodology and RWA mitigation. The increase was mainly due to higher flow product revenues in Credit, reflecting improved market conditions.
Noninterest expenses increased by EUR 1.9 billion, or 92 %, compared to 4Q2011. The current quarter included EUR 1.2 billion impairment of intangible assets. Excluding the impairment of intangible assets, noninterest expenses increased by EUR 708 million, driven by higher litigation related charges, CtA related to OpEx in 4Q2012, and higher performance related compensation due to a higher deferral rate in 2011. In addition, adverse foreign exchange rate movements contributed to the increase in expenses compared to 2011. Increases were partly offset by lower non-performance compensation related costs reflecting the implementation of OpEx. Compared to 3Q2012 noninterest expenses increased by EUR 1.1 billion, also primarily driven by the aforementioned impairment of intangible assets and litigation related charges. Excluding this impairment, noninterest expenses decreased by EUR 117 million, or 4% compared to 3Q2012, driven by lower CtA related to OpEx, and efficiency savings including lower compensation expenses reflecting the implementation of OpEx.
Income before Income taxes decreased by EUR 858 million compared to 4Q2011, mainly reflecting the aforementioned impairment of intangible assets, litigation related charges and CtA relating to OpEx, partly offset by increased revenues.
Global Transaction Banking (GTB) [Notice: Table 4 is available in the attachment]
Fourth quarter 2012
In 4Q2012, GTB initiated measures related to the turnaround of the acquired commercial banking activities in the Netherlands. These measures as well as a litigation related charge led to a net charge of EUR 534 million in 4Q2012 and hence limit the comparability of the financial performance to prior quarters. The measures related to the turnaround include the settlement of the credit protection received from the seller, an impairment of an intangible asset as well as restructuring charges.
Net revenues in 4Q2012 increased by EUR 137 million, or 15%, compared to 4Q2011. Revenues in the current quarter included a positive effect related to the aforementioned settlement. Outside the Netherlands, GTB's revenue performance was resilient, benefitting from strong volumes while interest rate levels continued to be low.
Provision for credit losses decreased by EUR 11 million, or 18%, compared to 4Q2011, mainly reflecting lower provisions in the Trade Finance business.
Compared to 3Q2012 provision for credit losses increased by EUR 18 million, or 53%, driven by the commercial banking activities acquired in the Netherlands as well as higher provisions in the Trade Finance business.
Noninterest expenses increased by EUR 668 million, or 111 %, in 4Q2012 com-pared to 4Q2011 driven by charges related to the aforementioned turnaround, including the settlement, as well as a litigation related charge.
Compared to 3Q2012 noninterest expenses increased by EUR 628 million also driven by the aforementioned charges, which were partly offset by lower compensation-related expenses.
Loss before income taxes of EUR 259 million in 4Q2012 was resulting from the turnaround measures as well as a litigation related charge. Excluding the net charge mentioned above, income before income taxes for the reporting period was above 3Q2012.
Asset and Wealth Management (AWM) [Notice: Table 5 is available in the attachment]
Fourth quarter 2012
Net revenues decreased by EUR 72 million, or 6%, compared to 4Q2011. The decrease was mainly driven by EUR 65 million effects from mark-to-market movements on investments held to back insurance policyholder claims in Abbey Life, which are offset in noninterest expenses, EUR 52 million in RREEF driven by performance related one-off effects in 2011 as well as lower revenues of EUR 34 million in Alternative Fund Solutions due to reduced demand for hedge fund products. Partly offsetting were higher revenues from advisory/brokerage of EUR 58 million mainly due to WM Asia/Pacific and WM Americas.
Noninterest expenses increased by EUR 403 million, or 42%, compared to 4Q2011, mainly driven by Scudder related impairments of EUR 202 million, IT-related impairments of EUR 90 million as well as litigation related charges, partly offset by the aforementioned effects related to Abbey Life.
Compared to 3Q2012, noninterest expenses increased by EUR 249 million, or 23%, mainly driven by the aforementioned effects, partly offset by lower reorganization related spend and lower compensation costs reflecting the implementation of OpEx.
The loss before income taxes of EUR 260 million in 4Q2012 was primarily driven by the impairments mentioned above.
Private & Business Clients (PBC) [Notice: Table 6 is available in the attachment]
Fourth quarter 2012
Net revenues were down EUR 175 million, or 7%, compared to 4Q2011 primarily attributable to Consumer Banking Germany with a decrease of EUR 209 million, or 18 %, driven by lower contribution from purchase price allocation effects and a lower impact from releases from loan loss allowance recorded prior to consolidation. The decline in revenues also reflected a low interest environment. Advisory Banking revenues from Deposits and Payment Services were down EUR 23 million, or 4%, compared to 4Q2011, mainly driven by lower margins. Credit Product revenues increased due to higher margins in Advisory Banking International by EUR 10 million, or 2%. Advisory/brokerage revenues were up by EUR 33 million, or 17%, primarily in brokerage in Advisory Banking Germany.
Provision for credit losses decreased by EUR 67 million, or 24%, compared to 4Q2011 mainly related to Postbank. This excludes releases from Postbank related loan loss allowance recorded prior to consolidation of EUR 16 million. The impact of such releases is reported as net interest income. Compared to 3Q2012 provision for credit losses were higher by EUR 27 million, or 15%, driven by Postbank.
Noninterest expenses decreased slightly by EUR 31 million, or 2%, compared to 4Q2011. Compared to 3Q2012 noninterest expenses were up by EUR 64 million, or 3%, driven by higher costs-to-achieve related to Postbank integration and to OpEx.
Income before income taxes decreased by EUR 38 million, or 12%, compared to 4Q2011. Advisory Banking Germany decreased by EUR 85 million, mainly driven by higher costs related to Postbank integration, and Consumer Banking Germany decreased by EUR 45 million, driven by lower revenues. Advisory Banking International improved by EUR 92 million, driven by a higher equity pick-up related to our stake in Hua Xia Bank and higher credit product margins in Europe.
Non-Core Operations Unit (NCOU) [Notice: Table 7 is available in the attachment]
Fourth quarter 2012
The performance of NCOU in each period is mainly driven by the timing and nature of specific items. In 4Q2012 such specific items included negative effects related to refinements to the CVA model, losses from sales of capital intensive securitization positions and various impairments. Partially offsetting was a gain from the sale of our EADS stake. 4Q2011 included a one-off impairment charge of EUR 407 million related to Actavis.
Provision for credit losses in the 4Q2012 decreased by EUR 31 million, or 23%, versus 4Q2011 and by EUR 196 million, or 65% versus 3Q2012. This decrease is mainly due to lower provisions in relation to IAS 39 reclassified assets.
Noninterest expenses were down by EUR 56 million, or 5%, compared to 4Q2011. Although 4Q2012 included EUR 400 million impairment of intangible assets, 4Q2011 was impacted by a EUR 135 million property related impairment charge, EUR 97 million related to BHF Bank and additional settlement costs.
Consolidation & Adjustments (C&A) [Notice: Table 8 is available in the attachment]
Fourth quarter 2012
Loss before income taxes of EUR 697 million in 4Q2012 mainly included litigation related charges. It also reflects charges of EUR 133 million for UK and German bank levies. In addition, timing differences from different accounting methods used for management reporting and IFRS amounted to approximately negative EUR 60 million, mainly related to interest rate changes affecting economically hedged positions and to the reversal of prior period interest rate effects.
The complete press release, including tables, is available here.
These figures are preliminary and unaudited. The Annual Report 2012 and Form 20-F will be published on 15 April 2013. For further details regarding the preliminary results, please refer to the 4Q2012 Financial Data Supplement which is available under https://db.com/ir/financial-supplements.
For your reference please note that Deutsche Bank will host a press conference on its fourth quarter and full year 2012 results on the same day at 10:00 CET. The press conference will be webcast with a simultaneous English interpretation, via our website: https://www.db.com/en/content/company/annual-press-conference.htm
For further information, please contact:
Deutsche Bank AG
Press and Media Relations
Armin Niedermeier
+49 69 910-33402
Christian Streckert
+49 69 910-38079
Investor Relations +49 69 910 35395 (Frankfurt)
+1 212 250 1540 (New York)
This release contains forward-looking statements. Forward-looking statements are statements that are not historical facts; they include statements about our beliefs and expectations and the assumptions underlying them. These statements are based on plans, estimates and projections as they are currently available to the management of Deutsche Bank. Forward-looking statements therefore speak only as of the date they are made, and we undertake no obligation to update publicly any of them in light of new information or future events.
By their very nature, forward-looking statements involve risks and uncertainties. A number of important factors could therefore cause actual results to differ materially from those contained in any forward-looking statement. Such factors include the conditions in the financial markets in Germany, in Europe, in the United States and elsewhere from which we derive a substantial portion of our revenues and in which we hold a substantial portion of our assets, the development of asset prices and market volatility, potential defaults of borrowers or trading counterparties, the implementation of our strategic initiatives, the reliability of our risk management policies, procedures and methods, and other risks referenced in our filings with the U.S. Securities and Exchange Commission. Such factors are described in detail in our SEC Form 20-F of 20 March 2012 under the heading "Risk Factors." Copies of this document are readily available upon request or can be downloaded from www.deutsche-bank.com/ir.
This release also contains non-IFRS financial measures. For a reconciliation to directly comparable figures reported under IFRS, refer to the 4Q2012 Financial Data Supplement, which is available at www.deutsche-bank.com/ir.
PDF version


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Knitting pattern
for Advanced Beginners
(in English)
Please, fill in the form correctly.
Ratties measure about
36 cm ( 14 inch). All pieces of the
toys are knitted flat.
Straight needles size 3 mm (US 2½)
Yarn for body and clothes: DK / Light Worsted (8 ply) in light grey, grey, dark grey, red, white, pink
Leftovers in DK / Light Worsted (8 ply) in black from different projects (300m /100g)
Tapestry needle
Polyester stuffing
GAUGE: not important if you use the same weight yarn both for toy and clothes.
Pattern requires knowledge of knitting basics such as K, P, K2tog, M1 and simple finishing techniques.
Copy of the pattern will be e-mailed as a PDF document after Pay-Pal payment has been received.
Requested copies are personalized for each request - they are watermarked.
Please, fill in the form correctly.


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An epic display of music, history and grandeur highlighted the Opening Ceremonies of the Winter Olympics on Friday in Sochi, Russia. The ceremonies overcame an initial glitch of an Olympic Ring lighting malfunction to put on quite the display – highlighted by tennis starlet Maria Sharapova carrying the Olympic flame into the Fisht Olympic Stadium. The Sochi native handed the torch to decorated Russian pole vaulter Yelena Isenbayaeva before Olympic wrestler Alexander Karelin presented the flame to Alina Kabaeva – who is a two-time Olympic medalist in rhythmic gymnastics as well as the reported girlfriend of Russian president Vladimir Putin. Finally, legendary Soviet goaltender Vladislav Tretiak and innovative figure skater Irina Rodnina assisted in lighting the cauldron.
Read the full recap here: http://dailybreeze.sportsdirectinc.com/olympics/recaps.aspx


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GROUND RULES! (important)
Posted 28 January 2004 - 10:05 PM
No commercial posts! This means that if you are a dealer or business, you may NOT post your used stock here unless the item is something you are selling personally.
If you are an active participating member of Wetpixel.com (i.e. you post in the forums in some capacity other than a seller), you may post links to eBay ads and other auction ads.
Also note that double posting for the same items is not allowed. If you want to update the original post for whatever reason, please post a reply to the original thread and not a new topic. However 'bumping' or adding replies to keep the thread current is allowed once a week. You must also provide pricing for the item/s.
Once you have sold the item, please add a post to notify readers the item is sold. In addition, you may approach moderators to modify the title to SOLD.
Posted 10 December 2005 - 09:47 AM
I wish folk would place "SOLD" in the original line. I like keeping the items up on the board for reference, but would like to save time by looking for unsold items first.
- SigmundKatz62 and rhiannon like this
Posted 15 January 2007 - 12:33 PM
Posted 15 January 2007 - 12:51 PM
Posted 15 January 2007 - 12:53 PM
Posted 30 May 2007 - 11:27 PM
Posted 31 May 2007 - 03:58 AM
When you first created the topic, you must've accidently selected the ! icon as a post icon. It is not a warning but an indicator of the poster's intentions. Sorta like a smiley face etc. You can remove it if you edit your post.
"Journalism is what someone else does not want printed, everything else is public relations."
"I was born not knowing, and have only had a little time to change that here and there.
Posted 04 November 2007 - 11:23 AM
Posted 06 June 2008 - 05:00 PM
Posted 06 June 2008 - 05:53 PM
Posted 16 July 2008 - 12:23 AM
As this forum is about u/w photography,
is it possible to restrict the classifieds to photographic equipment only ???
Otherwise it has the ability to open "Pandora's Box"...
Posted 31 August 2008 - 11:59 PM
Posted 23 April 2009 - 12:33 PM
No commercial posts! This means that if you are a dealer or business, you may NOT post your used stock here unless the item is something you are selling personally.
If you are a commercial poster, use the Commercial Classifieds forum. Be sure to read the rules there before you post!


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Toulouse, 31 March 2014
IGE+XAO SA (ISIN code: FR 00000 30 827) announces the eligibility of its securities, listed in Euronext Paris (Compartment C), for the new PEA-PME* system according to the conditions set down by implementing French decree** no. 2014-283 of 4 March 2014.
The IGE+XAO Group as such confirms that it has less than 5,000 employees, turnover of less than 1.5 billion euros or a balance sheet total less than 2 billion euros.
Moreover, to the best of the issuing company's knowledge, no shareholder to date has more than 25% of its securities and/or voting rights.
*French securities-based savings plan dedicated to securities of Small and Medium-Sized Businesses
**application of Article 70 of the French Law of Finance no. 2013-1278 of 29 December 2013 for 2014 setting the eligibility of companies for French securities-based savings plans
On the occasion of the Hanover Trade Fair from 7 to 11 April 2014, an international fair dedicated to industry, IGE+XAO and all of its subsidiaries will present the Group's new products and services on over 160 m2 (Hall 7 – Stand F12).


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All Hail the Altar of the Bike Fit Guru! For $1000, could yours truly pick a pedal wrench off the floor? Without bending knees? Or would overly-tight hamstrings be my doom? Answer- I didn't get the $1000. All I had to do was pick up a tool. Obviously, there's much more to this story, but the short version is that I appear to be a bumblebee, with a body that shouldn't be comfortable on a 120 mile bike ride, and yet I am. Amazingly so.
Yes, this is my first tale from the land of ultimate bicycle fitting, where Steve and I are learning all manner of things about human phsiology and how to bend, twist & contort customers in order to find the limits of their flexibility. "Contort" isn't really the right word, unless you're constructed like I am, with a back that demonstrates excessive "Kyphosis", Hamstrings that could be used to support the new Bay Bridge, and a general lack of "core strength." Those would be the reasons why I cannot, and never have, been able to come even close to touching my toes. And why, in theory, I would be predicted to (but don't) have issues when riding a bike. But clearly our teacher, Michael Sylvester, knows his stuff, and his teachings will add to our expertise at fitting people properly to bikes. –Mike–


text: There's nothing more infuriating that a seat clamp that doesn't work properly, and it's unbelievable how many designs, particularly quick release versions, just don't clamp your seat post securely enough. No-one wants a seat post that turns in the frame, but subtle niggles like seat posts that very slowly drop over the course of a ride can be even more annoying! Whether you prefer a simple bolted clamp, a quick release (QR) lever, or a top-end weight-saving titanium model; you can rest in the knowledge that our selection of seat clamps is hand-picked on merit; and tested by real cyclists on real bikes.


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|Professional Career Consultation
|Written by Abby Kohut
"Capture a Recruiter" TM
I became Absolutely Abby so that I could share the secrets about getting a job that only recruiters know. I've spoken to thousands of people at 400+ job search groups. And to date, I have hosted over 50 episodes of the Career Wake Up Call, an inspiring and intense, 60 minute "show" that strips the job search process down to the bare essentials as I answer an assorted collection of questions posed by my audience.
Frequently, people email me and ask if I can sit down with them one-on-one to discuss their individual job search challenges. If this is what you are seeking, it sounds like you are ready to "capture" me!
Consulting vs. Coaching
As a consultant, companies hire me to suggest changes that when implemented save them time and money. Similarly, we will work together to turbocharge your job search so that you can find a job in less time and negotiate a higher salary. Together we will review your resume, cover letter, and social media profiles and I will offer suggestions that will make you look like a star candidate and turn you into a magnet to attract recruiters. Remember though, the success of your consultation is strongly affected by taking action on the knowledge you receive!
This is for you if…
During the hour, your Consult MAY Include:
A 60-minute "Capture a Recruiter" phone consultation is $297.
If I can save you a month, a week, or even a day of job search time, your investment will pay for itself. Even better, Capture a Recruiter is likely TAX DEDUCTIBLE as a job search expense.
Like Free Stuff?
How Does it Work?


text:
Cespedes' homer pushes A's past Royals
Oakland, CA – Yoenis Cespedes hit a go-ahead home run in the eighth inning and the Oakland Athletics swept a three-game series against the Kansas City Royals with a 4-3 win.
Leading off the eighth, Cespedes knocked a 1-0 pitch off Kelvin Herrera (2-4) deep into left center.
Oakland reliever Ryan Cook allowed runners on second and third with two outs in the ninth, but managed to escape and notch his first save of the season.
Coco Crisp, Jed Lowrie and Josh Donaldson contributed with an RBI apiece for the Athletics.
"We got some timely hits," said Donaldson. "As of the last three (games), our guys have kept us in it and we've been able to get the timely hits."
Oakland starter A.J. Griffin allowed three runs on seven hits and three walks in six frames. Jerry Blevins (3-0) pitched a scoreless eighth to pick up the win.
Alex Gordon, Eric Hosmer and Chris Getz each drove in one run for the Royals, who have lost seven of their last nine games. Starter Luis Mendoza gave up three runs -- two earned -- on eight hits in six-plus innings.
"It's just too bad," said Getz. "We got to bounce back, get through this and continue on."
Gordon singled with two outs in the third, scoring Getz, who drew a walk and advanced to third on a single by Alcides Escobar. Hosmer walked to start the fourth and scored on a single by Getz.
The Athletics responded in the bottom of the inning with back-to-back singles by Cespedes and Brandon Moss. Donaldson then hit a sacrifice fly to right, bringing Cespedes home.
In the fifth, Hosmer smacked a double into center, plating Gordon, to make it a 3-1 game.
However, Eric Sogard hit a double in the home half and later scored on a single by Lowrie to cut the deficit to 3-2.
Derek Norris singled to lead off the eighth and strangely reached third on a fielding error by David Lough in center. Crisp's sac fly to left scored Norris and tied the game.
In the ninth, Cook got two quick outs before allowing a single by Billy Butler. Elliot Johnson pinch-ran and reached third on a single by Hosmer, who advanced to second on a fielder's indifference. Mike Moustakas, however, grounded out to second to end the game.
Game Notes
Gordon went 4-for-5 ... Blevins has not allowed a run in 17 of his 18 career appearances against Kansas City ... The Royals were 3-for-10 with runners in scoring position and left 12 runners on base ... Kansas City has recorded just 12 runs in the last seven games in Oakland, going 1-6.


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July 28, 2014 by Joanne Kelly in
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Design for me is a way of life, and I try to incorporate it into my everyday tasks. I love to visit new places, drawing inspiration from my travels. Oh! and I have a fondness for Apple Crumble.
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Major Section: PROGRAMMING
The Common Lisp language allows its
pairlis function to construct
an alist in any order! So we have to define our own version,
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together successive respective members of the given lists until the
first list runs out. (Hence in particular, if the second argument
nil then each element of the first argument is paired with
The guard for
pairlis$ requires that its arguments are true lists.


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