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1. News Merrill Lynch & Co., Inc. World Headquarters 4 World Financial Center New York, NY 10080 Release date: April 13, 2004 For information contact: Media Relations: Investor Relations: Michael O’Looney Tina Madon (212) 449-9205 (866) 607-1234 michael_olooney@ml.com investor_relations@ml.com MERRILL LYNCH REPORTS RECORD QUARTER FIRST QUARTER NET EARNINGS UP 95% TO $1.3 BILLION; $1.22 PER DILUTED SHARE NET REVENUES AND PRE-TAX EARNINGS GROWTH IN ALL THREE BUSINESS SEGMENTS NEW YORK, April 13 –Merrill Lynch (NYSE: MER) today reported record quarterly net earnings of $1.3 billion, up 95% from $643 million in the 2003 first quarter. Earnings per diluted share were $1.22, compared with $0.67 for the year-ago quarter. The increase in net earnings was driven by growth in net revenues and pre-tax earnings in all three business segments. First quarter net revenues were $6.1 billion, up 27% from the first quarter of 2003 and up 25% from the fourth quarter. The first quarter pre-tax profit margin rose to 27.8%, up almost nine percentage points from 18.9% in the year-ago quarter. The return on average common equity was 17.0%, up from 10.5% in the first quarter of 2003. Results this quarter include the impact of adopting the fair value method of accounting for stock-based compensation under SFAS 123, and results for prior periods have been restated to reflect this methodology. -MORE-
2. 2 quot;We are very pleased with the quarter's results,quot; said Merrill Lynch chairman and chief executive officer Stan O'Neal. quot;We were able to capitalize on an improved business environment to serve Merrill Lynch's clients well and deliver strong performances across regions and in all three business segments. The results demonstrate that the company’s capabilities to grow revenues and to maintain a strong market position are very much intact. quot;We continue to emphasize disciplined growth, diversification of revenues and maintaining a strategic balance within our franchise. We are investing in talent and technology across all businesses to sustain positive revenue momentum and to further strengthen our market position. And although we are mindful that market sentiment can change quickly, we see considerable opportunities for further growth.quot; Business Segment Review: Global Markets and Investment Banking (GMI) GMI took advantage of favorable market conditions during the first quarter of 2004, and both Global Markets and Investment Banking contributed to the segment’s increased net revenues and pre-tax earnings. GMI’s debt markets business achieved its highest-ever quarterly revenues, and equity markets and investment banking had their strongest revenues in eleven and nine quarters, respectively. GMI’s first quarter pre-tax earnings were $1.1 billion, up 49% from the year-ago • quarter, driven by net revenues that increased 32%, to $3.2 billion. These were the highest net revenues since the 2001 first quarter. GMI’s first quarter pre-tax margin was 34.5%, four percentage points higher than the year-ago quarter. All regions reported year-over-year and sequential-quarter net revenue increases. • Global Markets net revenues increased strongly from both the 2003 first quarter and fourth quarter. Debt markets revenue growth was driven by increased client activity as a result of continued favorable interest rate and credit environments, as well as selective position-taking. All major business lines within debt markets recorded strong increases in net revenues compared with the fourth quarter of 2003, with revenues from interest rate products demonstrating particularly strong sequential- quarter growth. Equity markets revenues also grew strongly as volumes and volatility increased, with cash equity, equity-linked trading, and equity financing and services revenues all driving sequential-quarter and year-over-year increases. -MORE-
3. 3 • Investment Banking net revenues rose significantly from the year-ago quarter and were also up from the strong fourth quarter. Compared with the first quarter of 2003, equity origination, debt origination and merger and acquisition advisory revenues all increased. Growth in equity origination revenues more than offset a slight decline in debt origination to generate the increase from the fourth quarter. Merrill Lynch’s market share increased from the year-ago period across all three major investment banking product areas-equity and equity-linked underwriting, fixed income underwriting and announced M&A advisory. Global Private Client (GPC) GPC achieved record quarterly pre-tax earnings and the highest net revenues in eleven quarters. Accelerated revenue growth and ongoing expense management contributed to the strong performance. GPC continued to make progress on its key initiatives, including growth in Financial Advisors, strong asset flows into annuitized products as well as positive net new assets overall, and continued revenue diversification. • GPC’s first quarter pre-tax earnings of $510 million were double those of the year-ago quarter, as net revenues increased 19%, to $2.5 billion. The net revenue growth was driven by increased transaction activity, continued strength in revenues from fee-based products, and increased revenues from the distribution of new issues. GPC’s pre-tax margin was 20.4%, nearly nine percentage points higher than the prior- year quarter. Non-compensation expenses were lower despite a $45 million expense related to the adoption of a new accounting standard governing guaranteed minimum death benefits in variable annuity products. • Through competitive recruitment and new trainee hiring, Financial Advisors grew by 224 to 13,700 worldwide. Turnover of top-producing FAs remained at historic low levels. • Total assets in GPC accounts increased 18% from the year-ago quarter, to $1.3 trillion. Net inflows into annuitized products, including net new money and funds transferred into annuitized products from existing accounts, continued at a strong pace at $13 billion during the quarter. • GPC continues to deliver innovative products for clients, including the Loan Management AccountSM, a new securities-based financing solution offering clients optimum flexibility and control over their financing needs. Also, after a successful pilot, the new Merrill+SM VISA® credit card will be launched nationwide during the second quarter. Merrill Lynch Investment Managers (MLIM) MLIM’s positive earnings momentum continued as it posted its third consecutive quarter of growth in revenues and earnings. MLIM continues to leverage its strong investment performance to grow the distribution of its products, while maintaining an efficient operating platform. -MORE-
4. 4 • MLIM’s first quarter pre-tax earnings were $111 million, up almost three-fold from $39 million in the first quarter of 2003. Net revenues increased 22% to $412 million, driven by increased asset values and net inflows. The pre-tax margin was 26.9%, up over 15 percentage points from 11.6% in the year-ago period. • MLIM’s relative investment performance continues to be strong, with more than 70% of global assets under management ahead of their respective benchmarks or medians for the one-, three- and five-year periods ended February 2004. • Net inflows of $7 billion, combined with positive currency and market movements, resulted in a $71 billion net increase in MLIM assets under management from the year-ago quarter, to $513 billion. Strong inflows in U.S. institutional fixed income and liquidity products, Consults® managed accounts and European third-party retail channels drove the net inflows, and more than offset narrowing outflows in the European institutional business. First Quarter Income Statement Review: Revenues Net revenues were $6.1 billion, 27% higher than the 2003 first quarter. Asset management and portfolio service fees were $1.3 billion, up 17% from the first quarter of 2003. This increase includes higher portfolio servicing fees, a large portion of which are calculated on beginning-of-period asset values, as well as increased investment and fund management fees. Commission revenues were $1.4 billion, up 27% from the first quarter of 2003, due to higher transaction volumes, particularly in listed equities and mutual funds. Principal transactions revenues were $1.0 billion, essentially unchanged from the year-ago quarter but nearly three times the 2003 fourth quarter level. This sequential quarter increase reflected strong growth in debt and equity trading revenues, resulting from improved market conditions and a continued favorable interest rate environment. Principal transactions and net interest revenues in GMI are closely related and need to be analyzed in aggregate to better understand the changes in net trading revenues. Net interest profit was $1.2 billion, up 33% from the 2003 first quarter, due primarily to a favorable yield curve environment and increased secured lending activity. -MORE-
5. 5 Investment banking revenues were $837 million, 70% higher than the year-ago quarter. These revenues included underwriting revenues of $672 million, up 83% from the year-ago quarter, driven largely by increased equity underwriting revenues in a more favorable market environment. Strategic advisory revenues were $165 million, 32% higher than the year-ago quarter, as merger and acquisition activity levels increased. Other revenues were $367 million, up $154 million from the 2003 first quarter due principally to increased revenue from investments, partially offset by lower realized gains on the sales of mortgages. Expenses Compensation and benefits expenses were $3.0 billion and were 50.0% of net revenues for the first quarter of 2004, compared to 53.3% in the year-ago quarter. These amounts include the retroactive restatement for stock option expensing under SFAS 123, which was approximately $59 million and $65 million, respectively, in the 2004 and 2003 first quarters. Overall, non-compensation expenses were $1.4 billion. Excluding a $45 million provision related to adopting a new accounting standard for guaranteed minimum death benefits on variable annuity contracts, non-compensation expenses were down 2% from the 2003 first quarter. Details of the significant changes in non-compensation expenses from the first quarter of 2003 are as follows: • communications and technology costs were $341 million, down 15%, due primarily to reduced technology equipment depreciation and rental costs, as well as lower systems consulting and communications costs; • brokerage, clearing, and exchange fees were $204 million, up 20% due to higher transaction volumes; • professional fees increased 23%, to $177 million, due principally to increased legal, consulting and recruitment fees; and -MORE-
6. 6 • other expenses of $239 million increased 8%. The $45 million expense for the adoption of SOP 03-1, relating to the accounting for death or other insurance benefits, was partially offset by lower provisions for losses. Merrill Lynch’s year-to-date effective tax rate was 26.0%. Staffing Merrill Lynch’s full-time employees totaled 48,200 at the end of the first quarter of 2004, a net increase of 100 during the quarter. Stock Repurchase Plan On February 10, Merrill Lynch announced that its board of directors authorized the repurchase of up to $2 billion of outstanding common shares. As part of its active management of equity capital, Merrill Lynch repurchased 8.2 million shares of its common stock during the first quarter at an average price of $61.25 per share. * * * * Ahmass Fakahany, executive vice president and chief financial officer, will host a conference call today at 10:00 a.m. EDT to discuss the company’s 2004 first quarter results. The conference call can be accessed via a live audio webcast available through the Investor Relations website at www.ir.ml.com or by dialing (888) 810-0245 (U.S. callers) or (706) 634-0180 (non-U.S. callers). On-demand replay of the webcast will be available from approximately 1:00 p.m. EDT today at the same web address. * * * * Merrill Lynch is one of the world’s leading financial management and advisory companies with offices in 35 countries and total client assets of approximately $1.5 trillion. As an investment bank, it is a leading global underwriter of debt and equity securities and strategic advisor to corporations, governments, institutions, and individuals worldwide. Through Merrill Lynch Investment Managers, the company is one of the world’s largest managers of financial assets, with assets under management of $513 billion. For more information on Merrill Lynch, please visit www.ml.com. * * * * -MORE-
7. 7 Merrill Lynch may make or publish forward-looking statements about management expectations, strategic objectives, business prospects, anticipated expense savings and financial results, the expensing of stock options, anticipated results of litigation and regulatory proceedings, and other similar matters. A variety of factors, many of which are beyond Merrill Lynch’s control, affect the operations, performance, business strategy and results of Merrill Lynch and could cause actual results and experiences to differ materially from the expectations and objectives expressed in these statements. These factors include, but are not limited to, financial market volatility, actions and initiatives by current and potential competitors, the effect of current and future legislation or regulation, and certain other additional factors described in Merrill Lynch’s 2003 Annual Report on Form 10-K and subsequent reports on Form 10-Q and Form 8-K, which are available on the Merrill Lynch Investor Relations website at www.ir.ml.com and at the SEC’s website, www.sec.gov. Accordingly, readers are cautioned not to place undue reliance on forward-looking statements, which speak only as of the date on which they are made. Merrill Lynch does not undertake to update such statements to reflect the impact of circumstances or events that arise after the date these statements were made. Readers should, however, consult any further disclosures Merrill Lynch may make in its reports filed with the SEC. * * *
8. Merrill Lynch & Co., Inc. Attachment I Preliminary Unaudited Earnings Summary For the Three Months Ended Percent Inc / (Dec) March 26, December 26, March 28, 1Q04 vs. 1Q04 vs. (in millions, except per share amounts) 2004 2003 2003 4Q03 1Q03 Net Revenues Asset management and portfolio service fees $ 1,315 $ 1,231 $ 1,127 6.8 % 16.7 % Commissions 1,361 1,163 1,069 17.0 27.3 Principal transactions 1,046 380 1,025 175.3 2.0 Investment banking 837 759 493 10.3 69.8 Other 367 343 213 7.0 72.3 Subtotal 4,926 3,876 3,927 27.1 25.4 Interest and dividend revenues 3,061 2,806 3,005 9.1 1.9 Less interest expense 1,897 1,807 2,128 5.0 (10.9) Net interest profit 1,164 999 877 16.5 32.7 Total Net Revenues 6,090 4,875 4,804 24.9 26.8 Non-Interest Expenses Compensation and benefits 3,047 2,052 2,561 48.5 19.0 Communications and technology 341 345 403 (1.2) (15.4) Occupancy and related depreciation 217 226 216 (4.0) 0.5 Brokerage, clearing, and exchange fees 204 195 170 4.6 20.0 Advertising and market development 122 106 121 15.1 0.8 Professional fees 177 151 144 17.2 22.9 Office supplies and postage 51 43 58 18.6 (12.1) Other (1) 239 267 222 (10.5) 7.7 Net recoveries related to September 11 - (65) - (100.0) - Total Non-Interest Expenses 4,398 3,320 3,895 32.5 12.9 Earnings Before Income Taxes 1,692 1,555 909 8.8 86.1 Income tax expense 440 344 266 27.9 65.4 Net Earnings $ 1,252 $ 1,211 $ 643 3.4 94.7 Preferred Stock Dividends $ 10 $ 9 $ 9 - - Earnings Per Common Share Basic $ 1.34 $ 1.32 $ 0.71 1.5 88.7 Diluted $ 1.22 $ 1.19 $ 0.67 2.5 82.1 Average Shares Used in Computing Earnings Per Common Share Basic 930.2 913.3 887.6 1.9 4.8 Diluted 1,019.7 1,009.9 941.9 1.0 8.3 Annualized Return on Average Common Equity 17.0% 17.4% 10.5% Note: Prior period amounts have been restated to reflect stock option expensing under SFAS No. 123 and the deconsolidation of TOPrS SM. (1) Includes $45 million expense related to guaranteed minimum death benefits.
9. Merrill Lynch & Co., Inc. Attachment II Preliminary Segment Data (unaudited) For the Three Months Ended March 26, December 26, March 28, (dollars in millions) 2004 2003 2003 Global Markets & Investment Banking Non-interest revenues $ 2,361 $ 1,525 $ 1,822 Net interest profit 874 723 635 Total net revenues 3,235 2,248 2,457 Pre-tax earnings 1,115 970 (a) 749 Pre-tax profit margin 34.5% 43.1% (a) 30.5% Global Private Client Non-interest revenues $ 2,161 $ 1,975 $ 1,779 Net interest profit 339 350 324 Total net revenues 2,500 2,325 2,103 Pre-tax earnings 510 498 (b) 249 Pre-tax profit margin 20.4% 21.4% (b) 11.8% Merrill Lynch Investment Managers Non-interest revenues $ 407 $ 380 $ 330 Net interest profit 5 6 7 Total net revenues 412 386 337 Pre-tax earnings 111 95 (c) 39 Pre-tax profit margin 26.9% 24.6% (c) 11.6% Corporate Non-interest revenues $ (3) $ (4) $ (4) Net interest profit (54) (80) (89) Total net revenues (57) (84) (93) Pre-tax loss (44) (8) (128) Total Non-interest revenues $ 4,926 $ 3,876 $ 3,927 Net interest profit 1,164 999 877 Total net revenues 6,090 4,875 4,804 Pre-tax earnings 1,692 1,555 (d) 909 Pre-tax profit margin 27.8% 31.9% (d) 18.9% SM Note: Prior period amounts have been restated to reflect stock option expensing under SFAS No. 123 and the deconsolidation of TOPrS . (a) Includes the impact of insurance recoveries related to September 11, which have been recorded as contra-expenses of $55 million and net restructuring and other charges of $18 million. Excluding these items, GMI's pre-tax earnings were $933 million ($970 million minus $37 million) and the pre-tax profit margin was 41.5% ($933 million/$2,248 million). (b) Includes the impact of insurance recoveries related to September 11, which have been recorded as contra-expenses of $15 million and net restructuring and other charges/(credits) of $(2) million. Excluding these items, GPC's pre-tax earnings were $481 million ($498 million minus $17 million) and the pre-tax profit margin was 20.7% ($481 million/$2,325 million). (c) Includes the impact of net restructuring and other charges of $4 million. Excluding these items, MLIM's pre-tax earnings were $99 million ($95 million plus $4 million) and the pre-tax profit margin was 25.6% ($99 million/$386 million). (d) Excluding the impact of insurance recoveries related to September 11 and restructuring related items, total pre-tax earnings were $1,510 million ($1,555 million minus $45 million) and the pre-tax profit margin was 31.0% ($1,510 million/$4,875 million).
10. Merrill Lynch & Co., Inc. Attachment III Consolidated Quarterly Earnings (unaudited) (in millions) 1Q03 2Q03 3Q03 4Q03 1Q04 Net Revenues Asset management and portfolio service fees Asset management fees $ 385 $ 394 $ 401 $ 429 $ 448 Portfolio service fees 476 469 511 534 578 Account fees 135 136 128 128 133 Other fees 131 155 144 140 156 Total 1,127 1,154 1,184 1,231 1,315 Commissions Listed and over-the-counter securities 618 617 634 626 817 Mutual funds 266 234 291 314 340 Other 185 193 195 223 204 Total 1,069 1,044 1,120 1,163 1,361 Principal transactions 1,025 1,127 704 380 1,046 Investment banking Underwriting 368 565 545 599 672 Strategic advisory 125 133 133 160 165 Total 493 698 678 759 837 Other 213 279 308 343 367 Subtotal 3,927 4,302 3,994 3,876 4,926 Interest and dividend revenues 3,005 2,999 2,872 2,806 3,061 Less interest expense 2,128 2,032 1,851 1,807 1,897 Net interest profit 877 967 1,021 999 1,164 Total Net Revenues 4,804 5,269 5,015 4,875 6,090 Non-Interest Expenses Compensation and benefits 2,561 2,749 2,448 2,052 3,047 Communications and technology 403 357 352 345 341 Occupancy and related depreciation 216 221 226 226 217 Brokerage, clearing, and exchange fees 170 169 188 195 204 Advertising and market development 121 113 89 106 122 Professional fees 144 140 146 151 177 Office supplies and postage 58 50 46 43 51 Other 222 183 135 267 239 Net recoveries related to September 11 - (61) (21) (65) - Total Non-Interest Expenses 3,895 3,921 3,609 3,320 4,398 Earnings Before Income Taxes 909 1,348 1,406 1,555 1,692 Income tax expense 266 371 403 344 440 Net Earnings $ 643 $ 977 $ 1,003 $ 1,211 $ 1,252 Per Common Share Data 1Q03 2Q03 3Q03 4Q03 1Q04 Earnings - Basic $ 0.71 $ 1.08 $ 1.10 $ 1.32 $ 1.34 Earnings - Diluted 0.67 1.00 1.00 1.19 1.22 Dividends paid 0.16 0.16 0.16 0.16 0.16 Book value (1) 26.35 27.44 28.59 30.03 30.75 est. Note: Prior period amounts have been restated to reflect stock option expensing under SFAS No. 123 and the deconsolidation of TOPrSSM. (1) At 1Q04, the adoption of SFAS No. 123 resulted in a cumulative increase to stockholders' equity of $1.4 billion.
11. Merrill Lynch & Co., Inc. Attachment IV Percentage of Quarterly Net Revenues (unaudited) 1Q03 2Q03 3Q03 4Q03 1Q04 Net Revenues Asset management and portfolio service fees Asset management fees 8.0% 7.5% 8.0% 8.8% 7.4% Portfolio service fees 9.9% 8.9% 10.2% 11.0% 9.5% Account fees 2.8% 2.6% 2.6% 2.6% 2.2% Other fees 2.8% 2.9% 2.8% 2.9% 2.5% Total 23.5% 21.9% 23.6% 25.3% 21.6% Commissions Listed and over-the-counter securities 12.9% 11.7% 12.6% 12.8% 13.4% Mutual funds 5.5% 4.4% 5.8% 6.4% 5.6% Other 3.9% 3.7% 3.9% 4.7% 3.3% Total 22.3% 19.8% 22.3% 23.9% 22.3% Principal transactions 21.3% 21.4% 14.0% 7.8% 17.2% Investment banking Underwriting 7.7% 10.7% 10.9% 12.3% 11.0% Strategic advisory 2.6% 2.5% 2.7% 3.3% 2.7% Total 10.3% 13.2% 13.6% 15.6% 13.7% Other 4.3% 5.3% 6.1% 6.9% 6.1% Subtotal 81.7% 81.6% 79.6% 79.5% 80.9% Interest and dividend revenues 62.6% 57.0% 57.3% 57.6% 50.3% Less interest expense 44.3% 38.6% 36.9% 37.1% 31.2% Net interest profit 18.3% 18.4% 20.4% 20.5% 19.1% Total Net Revenues 100.0% 100.0% 100.0% 100.0% 100.0% Non-Interest Expenses Compensation and benefits 53.3% 52.2% 48.8% 42.1% 50.0% Communications and technology 8.4% 6.8% 7.0% 7.1% 5.6% Occupancy and related depreciation 4.5% 4.2% 4.5% 4.6% 3.6% Brokerage, clearing, and exchange fees 3.5% 3.2% 3.7% 4.0% 3.3% Advertising and market development 2.5% 2.1% 1.8% 2.2% 2.0% Professional fees 3.0% 2.7% 2.9% 3.1% 2.9% Office supplies and postage 1.2% 0.9% 0.9% 0.9% 0.8% Other 4.7% 3.5% 2.8% 5.4% 4.0% Net recoveries related to September 11 - -1.2% -0.4% -1.3% - Total Non-Interest Expenses 81.1% 74.4% 72.0% 68.1% 72.2% Earnings Before Income Taxes 18.9% 25.6% 28.0% 31.9% 27.8% Income tax expense 5.5% 7.1% 8.0% 7.1% 7.2% Net Earnings 13.4% 18.5% 20.0% 24.8% 20.6% Common shares outstanding (in millions): 1Q03 2Q03 3Q03 4Q03 1Q04 Weighted-average - basic 887.6 897.2 904.8 913.3 930.2 Weighted-average - diluted 941.9 967.4 991.9 1,009.9 1019.7 Period-end 929.8 935.2 942.6 949.9 967.7 SM Note: Prior period amounts have been restated to reflect stock option expensing under SFAS No. 123 and the deconsolidation of TOPrS .
12. Merrill Lynch & Co., Inc. Attachment V Supplemental Data (unaudited) (dollars in billions) 1Q03 2Q03 3Q03 4Q03 1Q04 Client Assets Private Client U.S. $ 1,009 $ 1,076 $ 1,093 $ 1,165 $ 1,187 Non - U.S. 86 92 92 97 105 Total Private Client Assets 1,095 1,168 1,185 1,262 1,292 MLIM direct sales (1) 193 205 202 222 229 Total Client Assets $ 1,288 $ 1,373 $ 1,387 $ 1,484 $ 1,521 Assets in Asset-Priced Accounts $ 181 $ 200 $ 206 $ 226 $ 235 Assets Under Management $ 442 $ 471 $ 473 $ 500 $ 513 Retail 187 195 194 207 212 Institutional 220 239 241 253 259 Private Investors 35 37 38 40 42 U.S. 303 320 327 337 349 Non-U.S. 139 151 146 163 164 Equity 183 209 202 225 229 Fixed Income 108 108 125 132 146 Money Market 151 154 146 143 138 Net New Money Private Client Accounts U.S. $ (4) $ (2) $ 4 $ 5 $ 5 Non-U.S. (1) 1 1 1 1 Total (5) (1) 5 6 6 Assets Under Management $ (11) $ 4 $ (4) $ - $ 7 Balance Sheet Information (estimated) Commercial Paper and Other Short-term Borrowings $ 3.5 $ 5.5 $ 3.0 $ 5.0 $ 4.6 Deposits 81.9 80.5 79.3 79.5 78.1 Long-term Borrowings 77.0 79.1 80.7 83.3 96.9 Long-term debt issued to TOPrSSM 3.2 3.2 3.2 3.2 3.2 Total Stockholders' Equity (2) 24.9 26.1 27.4 29.0 30.2 Global Equity and Equity-Linked Underwriting(3)(4) Volume $ 4 $ 8 $ 8 $ 11 $ 12 Market Share 8.0% 7.8% 7.7% 8.4% 8.8% Ranking 5 6 6 5 4 Global Debt Underwriting(3)(4) Volume $ 96 $ 88 $ 90 $ 82 $ 117 Market Share 7.1% 6.5% 7.8% 7.3% 8.1% Ranking 3 4 4 2 2 Global Completed Mergers and Acquisitions(3)(4) Volume $ 39 $ 31 $ 63 $ 66 $ 39 Market Share 15.2% 9.9% 20.9% 20.2% 18.4% Ranking 3 8 3 3 2 Full-Time Employees(5) 49,500 48,200 47,800 48,100 48,200 Private Client Financial Advisors 13,600 13,300 13,400 13,500 13,700 Note: Prior period amounts have been restated to reflect stock option expensing under SFAS No. 123 and the deconsolidation of TOPrSSM. (1) Reflects funds managed by MLIM not sold through Private Client channels. (2) At 1Q04, the adoption of SFAS 123 resulted in a cumulative increase to stockholders' equity of $1.4 billion. (3) Certain prior period amounts have been restated to conform to the current period presentation. (4) Full credit to book manager. Market shares derived from Thomson Financial Securities Data statistics. (5) Excludes 100, 200, 300, 500, and 500 full-time employees on salary continuation severance at the end of 1Q04, 4Q03, 3Q03, 2Q03 and 1Q03, respectively. For more information, please contact: Investor Relations Phone: 866-607-1234 Merrill Lynch & Co., Inc. Fax: 212-449-7461 investor_relations@ml.com www.ir.ml.com

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This is a standalone, all in one Edge Detector that is mainly running on GPU using the CUDA technology. Each algorithm also has an OpenCV counterpart which is the closest one in terms of speed. This project is partly based on the Sobel Filter sample available as part of the CUDA SDK. This project also partly uses the OpenCV library to load different types of image. This program includes: Prewitt filter, Roberts Cross, Canny edge detector and finally Sobel filter with the ability to modify some variables such as sigma in Canny and see the result in real-time. To access and download the code, please review the code section. (The code section is currently close until our article gets published) Commiting publicly to the project is currently closed but feel free to email us. The source code is dependant on CUDA 5.0 Samples now available as part of the CUDA Toolkit. "This software contains source code provided by NVIDIA Corporation."

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Laurita Harvest Festival Tickets, Sat, Oct 14, 2017 at 10:00 AM | Eventbrite
Laurita Harvest Festival
by HCCC Office of Student Activities
Sat, October 14, 2017, 10:00 AM – 5:00 PM EDT
The Laurita Winery located is committed to creating the purest expression of the vineyard, centered around intensive care, hand harvesting and processing. During the Laurita Harvest Festival, attendees will be able to witness demonstrations, tour the winery, and enjoy delicious food and drink from the area.
Details to know and remember:
A bus will leave the B Student Lounge at 10am.
There are no refunds if you miss the bus, and it will be your responsibility to stay with the group and listen to the chaperone, ensuring you get on the bus to head back to campus when you are supposed to.
You do not have to pick up your ticket. We will provide it with you on the day of the trip.
Bring additional money if you intend on making purchases while on the trip.
Wear comfortable clothes and shoes, and be mindful of the weather on the day of the trip.
Students that are under 18 must email OSA@LIVE.HCCC.EDU to request a waiver to be signed by a parent or guardian in advance • Students that violate Hudson County Community College's policy while on the trip may be required to return to campus early at their own expense, with no refund, and will go through the College's student conduct process.
There are no refunds or exchanges. • The ticket(s) purchased cannot be transferred to someone else and cannot be re-sold. • Only one student ticket purchase per student. Any additional orders will be canceled. • If you are found to go against these policies, your privilege to purchase tickets from the Office of Student Activities will be revoked.
Things to do in Plumsted Township, NJ
Laurita Harvest Festival at Laurita Winery
85 Archertown Road, Plumsted Township, NJ 08533
Browse Plumsted Township Events

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created by [deleted]a community for 2 yearsmessage the moderatorsMODERATORSkjoneslolsoupyhandsTheLegitMidgitjaxspiderHandicapperGeneralRswanykreiusAutoModeratorTheSonarManWithoutModem...and 11 more »306730683069MRW a gif takes too long to load (i.imgur.com)submitted 5 months ago by kamStock8596 commentssharecancelloading...sorted by: bestbesttopnewhotcontroversialoldrandomyou are viewing a single comment's thread.view the rest of the comments →[–]descartewasamagician 1 point2 points3 points 5 months ago (0 children)first world problems permalinkaboutblogaboutteamsource codeadvertisejobshelpwikiFAQreddiquetterulescontact ustoolsmobilefirefox extensionchrome extensionbuttonswidget<3reddit goldstoreredditgiftsreddit.tvradio redditUse of this site constitutes acceptance of our User Agreement {Genitive} and Privacy Policy {Genitive}. © 2014 reddit inc. All rights reserved.REDDIT and the ALIEN Logo are registered trademarks of reddit inc.close this windowyou'll need to login or register to do thatcreate a new accountall it takes is a username and passwordprivacy philosophy
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Sandıklı Mhp Konser Videoları | eBay Please enable JavaScript Our new search experience requires JavaScript to be enabled. Please enable JavaScript on your browser, then try again.
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Marketing Plan for Ultrasonic Washi...
by g_vidhi
Project consumer-preference-buying-...
by pinkpanther63
jaitom
Top Washing Machine Brands in IndiaWith the changing status of Indian women washing machines which were initially a luxury itemhave today evolved to become a bare necessity at home. Since most of the women in India areworking there is little or no time left with them to carry out tedious work at home. These types ofmachines really come handy for the modern Indian women. Washing machines are not new to India. They were introduced in the Indian market quite a fewdecades ago. But the product took its own sweet time to convince the Indian masses. Whenwashing machines were first launched in the Indian market they were highly priced and couldnot be afforded by the normal middle class strata of society. But with the growth in the Indianeconomy and the rising income levels of the middle class washing machines slowly and steadilymade their way through most of the Indian houses.Indian being one of the most flourishing markets in the world over the last few decadeswitnessed the influx of numerous leading electronic brands. Since the market became saturatedthere was stiff competition among the major local and global electronic manufacturers. Thiscompetition proved beneficial for the Indian consumers since the prices of washing machines inIndia were really lowered. This in turn gave an impetus to the sales of the product.Most of the top Washing Machine Brands in India started refurbishing their existing models andalso introducing new models at absolute affordable rates. From the normal large sized look theproduct was transformed into a much space friendly and stylish one. Most of the current washingmachines offer both washing and drying facilities. Apart from a change in the look washingmachines in India currently also offer a host of other technical benefits. One of the latest washingmachines launched by Electrolux is Walky Talky. This machine guides a woman in each stepinvolved in using the machine. Then concepts like the Silver Nano technology were alsointroduced by Samsung. This technology destroys 99.9% of germs and bacteria, keeping theclothes free from any kind of harmful agents till the next 30 days of washingThe Top Washing Machine Brands in India are Whirlpool, Godrej, Hitachi, Haier, IFB andKenstar. These top washing machine brands offer a host of automatic and semiautomaticwashing machine models that make washing very easy.Top Washing Machine Brands in India 1. Whirlpool 2. LG 3. Electrolux 4. Samsung 5. IFB 2.
Washing MachineLoansThe Indian washing machine industry has shown a 30% growth in 2009 with the fully automaticwashing machine segment dominating the growth.This can be attributed to the decreasing price differential between the high end semi automaticwashing machine and the entry level fully automatic washing machine.LG washing machine, Videocon Washing Machine and Samsung Washing Machine continue todominate the overall washing machine marketing.Washing MachinesOverviewThe washing machine market is valued at Rs. 1500 crore and is growing at the rate of 22% this year (2007-08) compared to last year. The fully automatic and semi-automatic sub category isgrowing at the rate of 40% and 17% respectively. Washing machine sales is cyclical in natureand its sales commences with the onset of monsoon.Major PlayersSome of the major players in the category of washing machine market are: Whirlpool LG Electronics India Ltd. Videocon Samsung LG is the leader with 27% of market share. Whirlpool has a market share of 17%. Samsung has a market share of 14%.Products covered Fully automatic machines Semi-automatic machines Front loading washer Top loading washer Demand Drivers in Consumer Electronics Sector Some of the factors that are responsible for the growth in washing machine segment are: Increase in disposable income, rapid urbanization, increase in nuclear families, increasing number of working women, growth in per capita income, greater variety of choices, increasing consumerism etc. 3.
Washing machine market in the years 2006 and 2007 In 2006, the major players controlled 85% of the market while in 2007, the share of major players in washing machine market has been reduced to 70%, and the rest 30% of the market is controlled by smaller players. In 2006, the sales for washing machines was about 1.8 millionWhirlpool eyes 22% share of washingmachine marketET Bureau Jan 21, 2009, 07.46pm ISTCHENNAI: In its centenary year of inventing the washing machine, Whirlpool is launching aslew of products in this segment in a bid to up its marketshare. It is eyeing a 22% share of the Rs2,100-crore washing machine market in India by December, up from its current 15%."Our growth strategy this year would be to strengthen our core segments — refrigerators andwashing machines," Whirlpool India vice-president (marketing) Shantanu Das Gupta told ET onWednesday. He was in the city for the launch of a new range of fully automatic washingmachines in the 6 to 8 kg category.An investment of $4 million went into developing the new range, mostly on account of laying anew production line at its Pondicherry plant to produce some of the higher capacity models. Headded there would be more action on the washing machine front in the semi-automatic segmentlater this year.The company is planning a marketing campaign for the new range starting February. Whirlpoolsannual advertisement spend stood at around Rs 60 crore in FY08.Washing machines contribute to 25% to Whirlpool Indias turnover. Refrigerators account for55%. the balance comes from microwaves, air conditioners and water purifiers (a segment whichthe company stepped into only last year). There will also be some new models of refrigeratorsand air conditioners in summer, Mr Shantanu said.On the effect of the financial slowdown, Mr Shantanu said it would take another couple ofmonths to ascertain if the markets are back on track. He added the planning cycle at WhirlpoolIndia was now being done on a quarter to quarter basis rather than on an annual basis.Whilrpool has three plants in India — Faridabad (direct cool refrigetrators), Pune (frost freerefrigerators) and Pondicherry (washing machines).The new models are all in a price range of Rs 12,000 to Rs 24,000. Whirlpool India vice-president Tamal Kanti Saha said the some of the new models have been introduced at lower price 4.
points than usual for the features on offer to give customers the benefit of falling input prices likesteel.Washing machines have an overall penetration of 9% in the country, across both urban and ruralmarkets.units, while in 2007, the total market is going to be a whopping 2.2 million units. Recommended
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Heathrow and Manchester issue must-be-charged gadget advice - BBC News
Passengers at Heathrow will be required to show their electronic devices functioning
Heathrow and Manchester airports have told passengers to ensure all electronic devices carried as hand baggage are charged before travel if they are flying to the US.The move follows a request from the US that "certain overseas airports" implement enhanced security measures.A new rule states that if a "device doesn't switch on, you won't be allowed to bring it on to the aircraft".Airline staff will carry out checks on the devices at boarding gates.British Airways has said that its customers face being made to rebook if they are found in possession of an uncharged device.
The Department for Transport declined to say whether other UK airports would enforce similar restrictions on flights to the US.American officials said last week they were aware of a "credible" terrorist threat, but have not linked the security changes to any specific intelligence. Image copyright
Analysts, however, have suggested the action could be a response to efforts by Islamic militants in Syria and Yemen to build bombs that evade airport security checks.Powerless phonesA spokeswoman for Heathrow said that it did not comment on security matters.But the BBC understands that passengers flying to the US will be advised to remove relevant chargers from their hold luggage at check-in, so that they can top up carried-on gadgets if necessary. Alternatively, they can opt to place any powered-down kit in their stowed luggage.If they still arrive at the security point with a powerless device, they will be directed to a nearby retailer that might be able to provide a recharging cable, and told of the location of airport charging points.If the traveller is still unable to power on their machine, it will be suggested they make use of MailandFly - an existing service offered by the firm Bagport, which is based at Heathrow's security control.
It allows passengers to pay for banned hand baggage to either be shipped to them separately or be stored at one of the firm's warehouses for up to 42 days."We already deal with perfumes, knives and other prohibited items... and shipping a powered-down device would be possible," said Bagport station manager Liisi Puutsa.If the traveller rejects this option, it will ultimately be up to the airline to arrange what happens to the device.British Airways has warned its customers that even newly purchased devices from an airport shop must have power, noting that checks might be carried out at the boarding gate in addition to the earlier security controls.It noted that passengers using London as a transfer point must also have their devices charged, adding that anyone who failed to meet the requirement faced delays."If your device doesn't power up when you are requested to do so, you will not be allowed to fly to the US on your original service. Our customer services team will look after the rebooking of your travel arrangements," it said on its website.Virgin Atlantic, Delta Air Lines and Air France were all unable to provide details of how they would tackle such a situation when asked by the BBC.Check listThe authorities are not providing a specific list of the devices now subject to power-on checks.However, the US Transport Security Administration has singled out mobile phones as one type of device affected, and the UK's hand luggage rules also mention tablets, MP3 players, cameras and electric shavers as other examples.
One expert suggested an ever-growing number of gadgets were likely to be included over the coming years."When they first started asking for laptops to be taking out separately, they used to ask that the device be powered up too," said TK Keanini, chief technology officer at the cybersecurity firm Lancope."This is nothing new in terms of a requirement, but I do see it as a growing challenge for them as more and more types of devices start to make it through these checkpoints. "With the 'internet of things' approaching, smart-everything will pose new challenges at these checkpoints."
More on this story US enhanced airport security checks target electronics 6 July 2014 France steps up airport screening for US flights 4 July 2014 Yemen bomb-makers 'working on new devices' 4 December 2013 Related Internet links Heathrow Airport US Transport Security Administration UK hand luggage restrictions Lancope Bagport The BBC is not responsible for the content of external Internet sites

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text: _.Ek=function(){this.R=[];this.H=[]};_.Sia=function(a){_.Hb(a.R)&&(a.R=a.H,a.R.reverse(),a.H=[])};_.Fk=function(a){_.Sia(a);return a.R.pop()};_.h=_.Ek.prototype;_.h.Ue=function(){return this.R.length+this.H.length};_.h.de=function(){return _.Hb(this.R)&&_.Hb(this.H)};_.h.clear=function(){this.R=[];this.H=[]};_.h.contains=function(a){return _.Gb(this.R,a)||_.Gb(this.H,a)};_.h.remove=function(a){var b=this.R;var c=(0,_.wb)(b,a);0<=c?(_.Jb(b,c),b=!0):b=!1;return b||_.Kb(this.H,a)}; _.h.he=function(){for(var a=[],b=this.R.length-1;0<=b;--b)a.push(this.R[b]);for(var c=this.H.length,b=0;bJinet Ventura - Google+Press question mark to see available shortcut keysHomeCollectionsJoin Google+Send FeedbackHelpRegionPrivacy Policy - Terms of Service - Maps Terms©2017 GoogleSearchSign inAboutSearchSign inJinet Ventura255 followers255 followersAboutJinet's posts Post has attachmentJinet VenturaPublic6dWe hope you use this information to make smart, well informed decisions in your upcoming real estate transaction. Feel free to contact us for more information or further assistance. Thanks for watching! #unioncounty #njrealestate #realestatenj #housingmarket #realestate #unionnj #sell #buy #move #njrealtorLocal Buying Tips! no plus ones no comments no shares Post has attachmentJinet VenturaPublic6d4 beds/ 2 baths #capecod Single Family Detached - #unionnj #unioncounty #realestate #njrealestate #sell #buy #move #njhomes 1759 Union Ave, Union, NJ 07083 | C21 Jinet Venturajinetventura.com no plus ones no comments no shares Post has attachmentJinet VenturaPublic6d#May #homecare tips! #unioncounty #njrealestate #realestate #realestatenj CENTURY 21 Pogo Realtors - Mediajinetventura.c21-email.com no plus ones no comments no shares Post has attachmentJinet VenturaPublicJun 14, 2014Hayneedlehouzz.com one plus one 1 no comments no shares Post has attachmentJinet VenturaPublicJun 14, 2014Parador - contemporary - bedroom - other metro - by Joshua Lawrence Studios INChouzz.com one plus one 1 no comments no shares Post has attachmentJinet VenturaPublicJun 14, 2014Pella® 350 Series sliding patio door adds style, energy efficiency - contemporary - other metro - by Pella Windows and Doorshouzz.com 2 plus ones 2 no comments no shares Post has attachmentJinet VenturaPublicJun 14, 2014Renovation: Senoia Farmhouse - farmhouse - porch - atlanta - by Historical Conceptshouzz.com one plus one 1 no comments no shares Post has attachmentJinet VenturaPublicJun 9, 2014<3 no plus ones no comments no shares Post has shared contentJinet VenturaPublicMar 6, 2014#NinaRicci #Fall2014Originally shared by FashionNina Ricci Fall 2014 at Paris Fashion Week no plus ones no comments no shares Post has shared contentJinet VenturaPublicJan 12, 2014Originally shared by FashionSACS & POCHETTES IRM DesignTranslateShow original text no plus ones no comments no sharesLooks like you've reached the endLooks like you've reached the endUnable to load more. RetryWait while more posts are being loaded

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https://nyti.ms/1xUlkah
By BOB TEDESCHI JULY 9, 2014
The author’s dog Luna offered no assistance in building the patio (not even by digging the hole), but enjoys it anyway. Credit Tony Cenicola/The New York Times
A version of this article appears in print on July 10, 2014, on Page D4 of the New York edition with the headline: Putting the ‘Oh!’ in Patio. Order Reprints| Today's Paper|Subscribe

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won the election i think i would probably have given up giving up on the american people, but what he kept saying, and he proved right again, she kept saying change and the impetus for change arrives in the most unpredictable way that the most unpredictable time it's the workers strike start taking place throughout american history that have sales. but some of them have succeeded if there was one powerful union movement in the united states alas now something like 11 or 12% of the workers are unionized and that's all but there are some signs of a rebirth, too. and who would have predicted occupy wall street. to me that came out of nowhere just as my optimism was lower and lower into the ground and they think my god a whole new generation coming and it really looks like this generation is going to be different. and in every poll that i've seen regardless of the question like do you think they should be allowed to married officially it's the 26 age cohort in all of the pros and all of the polls for the most progressive policies and it tends to be that as you move into the older age grou
won the election i think i would probably have given up giving up on the american people, but what he kept saying, and he proved right again, she kept saying change and the impetus for change arrives in the most unpredictable way that the most unpredictable time it's the workers strike start taking place throughout american history that have sales. but some of them have succeeded if there was one powerful union movement in the united states alas now something like 11 or 12% of the workers are...
temperamental optimist. but if robbie had won the election a think i would probably have given up, meaning a would have given up on the american people. but what howard kept saying, and he proved right again late kept saying change and the a battista change will rise in the most unpredictable ways at the most unpredictable times. it is quite true that most of the worker strikes that have taken place throughout american history have failed. but some of them have succeeded, and there was one, a powerful union movement. something like 11 or 12% of workers are unionized, but there are signs of their reverse. who would have predicted occupy wall street? to me that came out of nowhere, just as much optimism was sinking lower and lower into the ground, suddenly there is occupy wall street. my god. a new generation, and it looks like this generation is going to be different. and in every policy regardless of the question asked, it is always that 18-26 age cohort, all of the polls that have the biggest majority for the most progressive policies. and it tends to be and as you move into older age group
temperamental optimist. but if robbie had won the election a think i would probably have given up, meaning a would have given up on the american people. but what howard kept saying, and he proved right again late kept saying change and the a battista change will rise in the most unpredictable ways at the most unpredictable times. it is quite true that most of the worker strikes that have taken place throughout american history have failed. but some of them have succeeded, and there was one, a...

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Event Center in Redwood City, California with Reviews & Ratings - YP.comFind People•Advertise With UsBrowseFind PeopleFeatured CollectionsRestaurantsAutomotiveHome ImprovementHealth & WellnessAttorneysPeople Searched For...Bail BondsDentistsTaxisWholesale Floral SuppliesPlumbing Fixtures Parts SuppliesFurniture StoresMedical Equipment SuppliesA1 Rentals Redwood CityTire DealersWineBed Breakfast InnsAirgasJewelry ExchangeMilagro RestaurantBreakfast Brunch Lunch RestaurantsMarine World CaCa TechnologiesAll American Tire CompanyRv ParksRestaurantsNail SalonsMassage ServicesMexican RestaurantsAdvertise with usWe have plenty of solutions to help you grow your businessWhat do you want to find?Search by business name, or keywordnearWhere? 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from the fun collectionInaccurate Result?9.Emerald Lake Country Club500 Lake BlvdEmerald Hills, CA 94062(650) 361-9541Banquet Halls & Reception FacilitiesWebsiteDirectionsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your health collection!Error when adding to health collectionThis business was removed from the health collectionInaccurate Result?10.Pacific Athletic Club Restaraunt200 Redwood Shores PkwyRedwood City, CA 94065(650) 593-4343Banquet Halls & Reception FacilitiesWebsiteDirectionsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collectionInaccurate Result?11.Civic Garden Club of San Carlos737 Walnut StSan Carlos, CA 94070(650) 299-8499Banquet Halls & Reception FacilitiesWebsiteDirectionsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your food collection!Error when adding to food collectionThis business was removed from the food collectionInaccurate Result?12.Hofbrau CateringRedwood City, CA 94064(650) 366-9898Banquet Halls & Reception FacilitiesWebsiteMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your travel collection!Error when adding to travel collectionThis business was removed from the travel collection13.Holiday InnServing the Redwood City Area.(877) 654-0232Banquet Halls & Reception FacilitiesWebsiteCouponsReservationsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collectionInaccurate Result?14.Grand Island MansionServicesServing the Redwood City Area.(916) 775-1705Banquet Halls & Reception FacilitiesWebsiteMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your travel collection!Error when adding to travel collectionThis business was removed from the travel collection15.Holiday Inn ExpressFind a Location(877) 654-0232Banquet Halls & Reception FacilitiesWebsiteCouponsReservationsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collection16.Wedgewood Banquet CenterServing the Redwood City Area.(888) 279-7072Banquet Halls & Reception FacilitiesWebsiteSee Our Online SpecialsVideoMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your food collection!Error when adding to food collectionThis business was removed from the food collectionInaccurate Result?17.Iron Gate RestaurantMenu(4)1360 El Camino RealBelmont, CA 94002(650) 592-7893Banquet Halls & Reception FacilitiesWebsiteDirectionsMore InfoBook a Table »Rooms & Rates »Add to mybookRemove from mybookAdded to your fun collection!Error when adding to fun collectionThis business was removed from the fun collection18.KU Athletics(1)Serving the Redwood City Area.(913) 416-4931Stadiums, Arenas & Athletic FieldsWebsiteMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your travel collection!Error when adding to travel collectionThis business was removed from the travel collection19.Candlewood SuitesFind a Location(877) 654-0232Banquet Halls & Reception FacilitiesWebsiteReservationsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your travel collection!Error when adding to travel collectionThis business was removed from the travel collection20.Crowne PlazaFind a Location(877) 654-0232Banquet Halls & Reception FacilitiesWebsiteCouponsReservationsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your travel collection!Error when adding to travel collectionThis business was removed from the travel collection21.InterContinentalFind a Location(877) 654-0232Banquet Halls & Reception FacilitiesWebsiteReservationsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your travel collection!Error when adding to travel collectionThis business was removed from the travel collection22.Staybridge SuitesFind a Location(877) 654-0232Banquet Halls & Reception FacilitiesWebsiteReservationsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your travel collection!Error when adding to travel collectionThis business was removed from the travel collection23.Hotel IndigoFind a Location(877) 654-0232Banquet Halls & Reception FacilitiesWebsiteReservationsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your fun collection!Error when adding to fun collectionThis business was removed from the fun collectionInaccurate Result?24.United Camps Conferences & RetreatsServing the Redwood City Area.(800) 678-5102Conference CentersYouth CampsWebsiteMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your food collection!Error when adding to food collectionThis business was removed from the food collection25.Round Table PizzaMenu(1)1225 El Camino RealMenlo Park, CA 94025(650) 321-6861Banquet Halls & Reception FacilitiesWebsiteDirectionsMore InfoOrder Online »Rooms & Rates »Add to mybookRemove from mybookAdded to your fun collection!Error when adding to fun collectionThis business was removed from the fun collectionInaccurate Result?26.Oakland AthleticsServing the Redwood City Area.(510) 638-4900Stadiums, Arenas & Athletic FieldsWebsiteMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your travel collection!Error when adding to travel collectionThis business was removed from the travel collection27.Holiday Inn Express & Suites BELMONT1650 El Camino RealBelmont, CA 94002(800) 345-8082Banquet Halls & Reception FacilitiesWebsiteReservationsDirectionsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your community collection!Error when adding to community collectionThis business was removed from the community collection28.Congregational Church Of Belmont751 Alameda De Las PulgasBelmont, CA 94002(650) 593-4547Banquet Halls & Reception FacilitiesWebsiteDirectionsMore InfoRooms & Rates »Add to mybookRemove from mybookAdded to your food collection!Error when adding to food collectionThis business was removed from the food collectionInaccurate Result?29.Left Bank Menlo Park BrasserieMenu(10)635 Santa Cruz AveMenlo Park, CA 94025(650) 473-6543Banquet Halls & Reception FacilitiesWebsiteDirectionsMore InfoBook a Table »Rooms & Rates »Add to mybookRemove from mybookAdded to your food collection!Error when adding to food collectionThis business was removed from the food collectionInaccurate Result?30.Round Table PizzaMenu(1)View all 4 Locations61 43rd AveSan Mateo, CA 94403(650) 577-0303Banquet Halls & Reception FacilitiesWebsiteDirectionsMore InfoRooms & Rates »Sponsored LinksShowing1-30
of 174results12345NextIf we're missing a business and you'd like to make a suggestion, please do! Add a business.Add a New CollectionOops! There was a problem saving the new custom collection.Please try again.Collection Name cannot be emptyUpload a Photo(optional)Remaining Characters: 100Remaining Characters: 500CancelSaveMap ViewFeatured Conference Centersin Redwood City, CaliforniaAdd to mybookRemove from mybookAdded to your other collection!Error when adding to other collectionThis business was removed from the other collectionInaccurate Result?Mercy Center2300 Adeline DrBurlingame, CA 94010(650) 340-7474Contact Us For InformationWebsiteDirectionsMore InfoAdd to mybookRemove from mybookAdded to your fun collection!Error when adding to fun collectionThis business was removed from the fun collectionInaccurate Result?United Camps Conferences & RetreatsServing the Redwood City Area.(800) 678-5102Contact Us For InformationWebsiteMore InfoSponsored Redwood City Event centerPhoneWebsiteMoreAboutAbout UsSite FeedbackContact UsAdvertise with UsCareers - We're HiringCorporate BlogEngineering BlogLegal

value: This website is a United States-based web site operated by YP Holdings that provides listings for local businesses. In 2013 it was re-branded as YP.com or simply "YP".


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BBB has determined that Vincent Custom Pools meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
Vincent Custom Pools affirms that it meets and will abide by the following standards.
BBB routinely monitors its files on Vincent Custom Pools to affirm that Vincent Custom Pools continues to meet all BBB Accreditation Standards.
File a Complaint against Vincent Custom Pools
Request a Quote from Vincent Custom Pools
See trends in Customer Reviews for Vincent Custom Pools Associated Searches

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13562713158
New. New Book. Revised EDition. Ship within one business day with tracking number.
14154945892
13403615538
New. 0821224956 Thousands of transactions, 100% money back guarantee, Will ship immediately.
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value: This website is is an online store that sells new books, used books, out-of-print books, rare books, and other media through an online network of independent booksellers.


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Ernest R “Pete” Jern (1944-2010) - Find A Grave Memorial
Ernest R “Pete” Jern
30 Sep 2010 (aged 65)
59498000 · View Source
Ernest R. "Pete" Jern, age 65, of Oquawka, Ill., passed away at 10:55 p.m., Thursday, September 30, 2010 at the Great River Medical Center in West Burlington, Ia.
He was born on November 27, 1944 in Burlington, Ia., the son of Phillip and Arlah Wingfield Jern. Pete was reared and educated in Oquawka and graduated from G & O High School in 1962. He served in the United States Army during Vietnam. Pete married Sharon Jo Darnell on May 3, 1969 in Monmouth, Ill., she survives. Pete first worked at OMC Gale Products in Galesburg, Ill. as a supervisor for 16 years. He then worked at Mach 1 Boats in Monmouth as a lamination supervisor. Pete also worked at Alexis Fire Equipment as a detailer and finisher. After retirement Pete worked part time as a janitor at the West Central Elementary School. Pete loved to spend time with his family especially his grandchildren. He was an avid football and sports fan. Pete was a Chicago Bears and Cubs fan. He enjoyed going for rides and sight seeing.
Surviving Pete is his wife Sharon Jern of Oquawka, Ill., two daughters; Barbara Scott (Rob) of Biggsville, Ill., Tricia Keever (Vannie) of Gladstone, Ill. Four grandchildren; Tyler Scott, Grace Scott, Jacob Keever, and Emma Keever. Also surviving are two brothers; Hal Jern (Betty) of Oquawka, Ill., Rick Jern (Priscella) of Colorado Springs, Co., two sisters; Rhonda Jern of Oquawka, Robin Tassin (Troy) of Oquawka, and one half brother Larry Jern of Stronghurst, Ill. He was preceded in death by his parents.
Services: A funeral service will be at 10:00 a.m., Monday, October 4, 2010 at the Turnbull Funeral Home in Oquawka, Ill. Interment with military honors will be in the Oquawka Cemetery. His family will be present to receive friends on Sunday from 3:00 - 5:00 p.m. at Turnbull Funeral Home in Oquawka. A memorial fund has been established for West Central Elementary School.
Arlah E. Wingfield Jern
Find A Grave Memorial 59498000
Find A Grave, database and images (https://www.findagrave.com : accessed ), memorial page for Ernest R “Pete” Jern (27 Nov 1944–30 Sep 2010), Find A Grave Memorial no. 59498000, citing Oquawka Cemetery, Oquawka, Henderson County, Illinois, USA ; Maintained by Heaven bound (contributor 46859054) .
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value: This website is a website that allows the public to search and add to an online database of cemetery records. It is owned by Ancestry.com.


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Search results for Photo, Print, Drawing, Civil War, Available Online, Pennsylvania, Prints and Photographs Division, Lot 14043, People | Library of Congress
Results: 1-16 of 16 | Refined by: Original Format: Photo, Print, Drawing Remove Available Online Remove Location: Pennsylvania Remove Part of: Prints and Photographs Division Remove Part of: Lot 14043 Remove Subject: People Remove
Knecht, R. (Reuben) 1

value: This website is the research library that officially serves the United States Congress and is the de facto national library of the United States. It is the oldest federal cultural institution in the United States.


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Free store pickupas soon as 8/29with •Free store pickupas soon as 8/29with GE X550 Power PRO Digital Camera with BONUS Memory Card Bundle
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value: This website is an American multinational retail corporation that operates a chain of hypermarkets , discount department stores, and grocery stores from the United States, headquartered in Bentonville, Arkansas.


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Bilingual Cashier Evening Jobs, Employment in Ontario, CA
Bilingual Cashier Evening jobs in Ontario, CA
Bilingual in English and Spanish, mandatory. Availability of flexible scheduling to include days, evenings, and weekends....
View all Shakeys, USA jobs in Rancho Cucamonga, CA - Rancho Cucamonga jobsSalary Search: Cashier Restaurant salaries in Rancho Cucamonga, CARelated forums: Shakeys, USA
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$17,347 per year
Salary data based on 62 employees and 7 jobs

value: This website is an American worldwide employment website for job listings launched in November 2004. It is a subsidiary of Japan's Recruit Co.


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Access API and import data to Spreadsheets | Web Scraping | API | Excel | Freelancer
Access API and import data to Spreadsheets
Looking to gain access to an API which requires me to be logged in and/or send authentication headers with the requests.
The content is user data and needs to be pulled to Google Spreadsheets.
I don't have any direct keys and need a workaround.
The API URL structure looks something like: [login to view URL]
Skills: Web Scraping, API, Excel
See more: import data access sql, import data access sql script, access script import data, php import data facebook profile api, net quickbooks api import data, ota api custom scripts import data sharepoint, access vb import data excel, api access database import csv, import data api sql, net ms access api import wizard, using google contact api import export data, access procedure import data excel access, api import xml data feed, java api import excel data mysql, import data api mysql, magento api import data, prestashop api import data, vba access 2010 import data, access 2010 import data vba
( 0 reviews ) Vällingby, Sweden
Project ID: #20962352
I have reverse engineered APIs a lot of times. I am pretty sure I can find a solution for you as well. I will use the session object from requests module to store the cookies that is received after authentication.
Hi Can you ping me the link to the webpage from which you need the data to be scraped? I can then check the network messages and see if an API can be created out of it. In most cases it will be possible, but I need t More
Hello there, I've done similar project for a shopify site. Let's do this task, I know how to do it within 2 days. Let me know
StNorbi
I usually do such task what you would like to complete. For further details, please do not hesitate tó contact via chat. Cheers, Norbi
Nyckelord ($30-50 USD)

value: This website is an Australian freelance marketplace website, which allows potential employers to post jobs that freelancers can then bid to complete. Founded in 2009, its headquarters is located in Sydney, Australia, though it also has offices in Vancouver, London, Buenos Aires, Manila, and Jakarta.


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By ELLEN BARRYJAN. 12, 2011
MOSCOW — As Capt. Arkadiusz Protasiuk peered down at a dense fog over the Russian city of Smolensk last April, weighing whether to land an aircraft carrying Poland’s president and dozens of other government officials, no one told him what to do.But no one had to, according to a Russian-led investigation of the subsequent crash, which killed everyone on board.Captain Protasiuk had been in an eerily similar position in 2008, according to the report on the inquiry, which was released Wednesday. Still a co-pilot then, he looked on as his captain defied President Lech Kaczynski’s order to make a risky landing in Georgia’s capital, Tbilisi. Mr. Kaczynski was reported by the Polish news media to be furious, remarking that “if someone decides to become a pilot, he cannot be fearful.”There were consequences: The president was forced to drive all day. The defiant captain never flew the president’s plane again, the report says. And when Captain Protasiuk himself became a captain, the memory of that day returned to him over Smolensk. Continue reading the main story
Russia presented its report into the crash that killed the Polish president in April.
Sergey Ponomarev/Associated Press Polish officials on Wednesday rejected the analysis, and indeed, a cockpit voice recording offers no evidence that Mr. Kaczynski or any other official ordered the pilot to land. But the Russian-led report evokes a cascade of stress — much of it emanating from his powerful passengers — as Captain Protasiuk slipped below the “decision altitude.”The commander of Poland’s air force was right behind him in the cockpit, and, investigators concluded from remarks he made to crew members, the memory of Mr. Kaczynski’s wrath in Tbilisi was fresh in his mind.
A risky landing in heavy fog killed Poland’s president and 95 others last April in Smolensk, Russia.
Mikhail Metzel/Associated Press Poland’s prime minister, Donald Tusk, who called an earlier draft of the text “unacceptable,” cut short a vacation to return to Warsaw. Eugeniusz Klopotek, a lawmaker, said Warsaw should revisit the softer line it had taken recently toward Russia. “I feel slapped in the face,” he said.The report excludes many external factors that could have contributed to the crash — the aircraft, air traffic control, radio communications and meteorological support, among others — and at times reads like psychoanalysis. Indeed, it relied heavily on psychologists. After more than a decade as a co-pilot, it says, Captain Protasiuk had the conformist, conflict-averse personality to suit that role.As the plane approached Smolensk, amid multiple warnings about the weather, Captain Protasiuk seemed to be recalling the president’s anger in Tbilisi, remarking, “I’m not sure, but if we don’t land here, he’ll give me trouble,” the report says, citing voice recordings. The investigators suspect another reference was made to Mr. Kaczynski when a crew member said, as the plane descended, “He’ll blow his stack if on top of all of this. ...”
“He kept himself aloof from the emergency situation, by this confirming the motive of completing the task of mandatory landing at the destination airdrome,” the report says, remarking that the presence of high-ranking officials in the cockpit “evidently increased the stress and distracted the crew from their duties.”At that point, the pilot was torn between his impulse to pull up or try the landing, the report says. He descended too quickly, looking away from his instruments to search for the runway through the fog. The plane snagged a birch tree with one wing and slammed into the ground, the report said, with a force that amounted to 100 times gravity.


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Flipboard web interface Workers and Jobs | Freelancer
Looking for Flipboard web interface Workers or Work?
Need help with Flipboard web interface? Hire a freelancer today! Do you specialise in Flipboard web interface? Use your Flipboard web interface skills and start making money online today! Freelancer is the largest marketplace for jobs in the world. There are currently 17,764 jobs waiting for you to start work on!
Flipboard web interface Jobs:
Nov 14, 2015Ends - 2d 16h
Nov 27, 2015Ends - 4d $178
...should be ran in an separate window with an simple interface.
At random times the game will ask you to complete...death by captcha or something else.
In the interface I must have the possibility to adjust the delay


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Original purses handbags hats and costumes by purseapalooza
Original purses, handbags, hats, and costumes
Announcement Each handbag, purse, tote, scarf, boa, hat, or costume is one-of-a-kind, designed and professionally created by myself. Truly unique fabrics and fine craftsmanship.
My goal is, "To give you more." MORE value - MORE details - MORE choice - MORE "wow" when you open your package - MORE excitement wearing my creations. I've been sewing for 45 years and am currently employed as a costume technician. I really can't describe how much I enjoy creating fashion accessories and "dress-up" wear to share with you. Since I travel the world in my costuming work, I get lots of inspiration and come home to use my huge resource of fabrics as the palette to design very unique but practical handbags and fancy-dress at an affordable price. Thank you for taking the time to view my work - I love each one and sharing them makes me happy. Adopt one and make us BOTH happy!!!
Each handbag, purse, tote, scarf, boa, hat, or costume is one-of-a-kind, designed and professionally created by myself. Truly unique fabrics and fine craftsmanship.
Purse or Handbag 1
2-inch brush fringe trim, yellow multicolor pastel mix, 1 yd of 35
2-inch looped brush trim, green and brown mix, 1 yd of 45
Pink sparkle faux fur cell phone pouch has a silver metal shoulder chain OOAK
Tracey Cammarota on Feb 7, 2017
Truly one of a kind and really funky! I love it! Thank you!
Poison green chartreuse velour small handbag gold chain handle OOAK
M Evans on Dec 8, 2016
Thank you Mary Beth for the two outstanding hats! The fit is perfect, the fabrics are wonderful choices, and you made and delivered them in far less time than i expected. Merry Christmas to you and yours!
CUSTOM LISTING for Melissa, two toque hats
delene dilsaver on Oct 27, 2016
Super quick delivery! Just exactly what we wanted. Many thanks!
Gold gypsy headdress, costume garb, multicolor red and gold, belly dancer, drum circle
Gypsy belly-dancer costume from my fabric and trim inventory.
Renaissance gown with headpiece
Renaissance gown for 3-year-old entirely created from my fabric and trim inventory.
pirate costume for 4-yr-old from up-cycled shirt, vest, and pants.
Combining design, skill, and endless stash of unique fabrics together to create one-of-a-kind items.
FIRST: I would like to explain how the term "UP-CYCLED" refers to my costume creations. The local Goodwill stores have an arrangement with some smaller department stores and regularly receive unsold inventory. 90% of the clothing I purchase there is brand new, but sometimes I can't resist a very gently worn, brand -new looking item. I DO lightly wash them after I have finished my restyling. They may or may not still have labels in them depending on how I have restyled them, but I will give fabric content and care instructions which may have changed due to trims added.
SECOND: Renaissance Fair attendees should know that most all of the fabrics/trims I may use in my pre-made items are replicas or possibilities for the correct historical times. Grommets are NOT historically correct, and that is why I mostly don't use them. Shiny silk or sheer fabric was available in olden days, and I am using polyester to replicate them, especially for my belly-dancer or gypsy pieces.
THIRD: If you are wishing to go to a Medieval Fair in costume, I know you already have a great sense of creativity and adventure - you do not have to wear boring colors with no detail just because that's what you see others are wearing! I am a professional costumer, have researched, and promise to give you an "authentic" look for your FUN garb. I can also custom-create natural fabric, competition-worthy costumes to order.
GIVING YOU MORE in all my creations is my promise. MORE value because of the low cost of unique fabrics to me ... MORE professional details, strength, and adjustability ... MORE knowledge of design ... MORE "WOW" for you! Coming from a long line of talented home-sewers, I'm the only one who has made a career as a seamstress. After 30 years of my own home-sewing and costume making for friends and family, which had led to commercial wall-upholstery employment of 7 years, I had a serious auto accident. I was knocked out of that physically-demanding work, but met a wonderful mentor who introduced me to my now 17-year-long career as a professional costume technician. Per my contracts, I'm not supposed to mention company names, but I've worked for many cruise lines, a ballet company in DC, the most famous Christmas show, and am enjoying my 7th year as a contract seamstress for all the "Mouse" touring shows and the "greatest show on Earth". My skills include fitting, styling, handling of specialty fabrics, construction for strength and long-wear, and re-purposing.
I also have a business on a well-known auction site, selling fabric roll-ends and trims from a high-end home decor workroom. I enjoy passing on great fabrics to new homes through my auctions, but I wanted to create with them, as well - especially since the cost to me was very low. Purses and handbags were my first endeavor, and they have been well received as you can see from my feedback. In my studio in SW Florida, I'm combining my knowledge, artistry, skills, and gigantic stash to create ALWAYS one-of-a-kind purses, accessories, and costumes.
While recently working on my latest gig with the circus, I decided to expand my offerings to include costumes. I agree with what you are probably thinking - what took me so long to get that idea??? Very excited and busy and looking forward to meeting/working with my new audience - costumes for Renaissance Fair, Halloween, etc. will be listed very soon with "steam-punk" creations on the way, as well.
Unique items are created by a life-time sewer and 17-year professional costume technician. My goal is, "To give you more." MORE value - MORE details - MORE choice - MORE "wow" when you open your package - MORE excitement wearing my creations. Shop policies
Greetings and thank you so much for your interest in my work. I'd like to invite you to view my profile to learn more about my professional life as a sewer for over 40 years.
This space seems appropriate for mentioning that all my fabrics are new, but have been "rescued" as bolt-ends and remnants from home decor workrooms. My studio is pet and smoke-free, and any photos used in my work have been taken by myself.
Wholesale and consignment arrangements can be made.......and I would love to create a custom item for you.
I'm a proud member of this community and glad you are, too.
Please convo any questions or comments or critiques.
Whether or not we "meet" through a purchase, I'd like to extend my sincerest best wishes to you and yours.
PayPal is my preferred method of payment and should be completed within three days of purchase.
Money orders are reluctantly accepted from the contiguous US only - not Alaska or Hawaii - and should be received by me within 7 days.
Purchase cancellations must be received within 24 hours of purchase.
United States postal is my preferred shipper and my options are clear on my shipping tab. We can discuss changes if need be, but UPS and FedEx will definitely cost you more.
I buy my postage from PayPal for items paid there - you will receive a shipping notification and tracking # by email.
Insurance is available: $1.70 for the first $50 and $2.15 up to $100. Add this to your total and CALL IT TO MY ATTENTION, if you wish it.
International customers please note that I will put the correct value on my customs form and you will be responsible for any fees.
Regretfully, I can't allow any returns. These soft items are not likely to be damaged, especially since I pack inside plastic to prevent moisture. PayPal or insured items can be tracked.
I make a lot of effort to give a perfect description and pictures.

value: This website is an American e-commerce company focused on handmade or vintage items and craft supplies.


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Amazon.com: Steamer Trunk Side End Table, 23"Hx20"W, LIGHT BROWN: Home & Kitchen
Steamer Trunk Side End Table, 23"Hx20"W, LIGHT BROWN
23.5"H x 20" square.
With a classic design and interesting details like nailhead accents and metal hardware, the Steamer Trunk End Table is sure to remain a favorite part of your decor for years to come. Plus, the lift-top storage feature offers the perfect place to store extra pillows, blankets and other necessities you would like to keep close at hand. Place your order today and complete your decor with the rustic look of this living room furniture. Constructed of quality materials for years of lasting beauty and dependable use. Lift-top storage adds convenience to the stunning style. A light brown finish completes the look. Actual size is 23"Hx20"W
B003H6UPKO
#11,413,357 in Home & Kitchen (See top 100)
#8,485 in Home & Kitchen > Furniture > Living Room Furniture > Tables > End Tables
#37,068 in Home & Kitchen > Furniture > Accent Furniture