text:
The Business Owner's Definitive Guide to Captive Insurance Companies: What You Need To Know About Formation and Management by Peter J. Strauss J.D., LL.M. |, Hardcover | Barnes & Noble®
by Peter J. Strauss J.D., LL.M.Peter J. Strauss J.D.
English 1946633070
MANAGE YOUR RISK IN A MORE EFFICIENT WAY
What if you could insure the risks of your business, reduce your outof-
pocket expenses, and create another source of revenue? Sounds
too good to be true, right? With The Business Owner’s Definitive Guide
to Captive Insurance Companies, Mr. Strauss shows that, by utilizing a
captive insurance company, this is not only possible but also a lot easier
than you’d imagine.
As one of America’s top corporate, tax, and risk management attorneys,
Mr. Strauss provides readers with true insight on the key sophisticated
planning techniques used by small business owners who implement
captive insurance companies. You’ll learn the fundamentals and history of
captive insurance and how this technique can provide numerous benefits
to your business. This book will provide you with the insight on how to:
•reduce out-of-pocket expenses;
•increase cash flow;
•insure more of the risks of your business;
•protect personal and business assets from lawsuits; and
•select the appropriate manager for your captive insurance company.
Creating a captive insurance company may sound daunting, but with
Mr. Strauss’s guidance you can navigate the legal maze and utilize this
valuable strategy with ease. Don’t miss out on crucial out-of-pocket
savings, and create more liquidity in a more tax-efficient manner. Take
steps today and reap the benefits of captive insurance!
9781946633071
Peter J. Strauss is the founder and managing member of The Strauss Law Firm,
LLC, located on Hilton Head Island, South Carolina. He is also the founder and CEO
of Hamilton Captive Management, LLC, one of the most admired and respected
management firms in the country, as well as numerous other insurance companies.
Mr. Strauss has authored several books on captive insurance, including Captive
Insurance Companies for the Small Business Owner and The Definitive Guide to Captive
Insurance Companies. He regularly speaks at public seminars and professional society
meetings such as the American Institute of Certified Public Accountants, Hawaii Tax
Institute, Southern Federal Tax Institute, as well as Continuing Legal Educational
conferences. Mr. Strauss is a graduate of the New England School of Law, holds an LL.M.
in estate planning from the University of Miami, and is currently enrolled at Harvard
Meet the Author ix
Chapter 1 Fundamental Principles: What You Need to Know about Captive Insurance 1
Chapter 2 How to Maximize the Full Potential of a Captive Insurance Company? 25
Chapter 3 Putting the Captive Insurance Company to Work for You: How to Set Up a Captive and Start Insuring Your Business 41
Chapter 4 What You Need to Know About Managing Your Captive Insurance Company: Tax and Regulatory Requirements
Chapter 5 Protecting Your Assets from Lawsuits With a Captive Insurance Company 79
Resources: Is A Captive Insurance Company Right For You? 93
Appendix: Captive Insurance Cases and Rulings 95
book by jim cumbee
book by ami barakat
book by corrine sandler

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RBC Capital - Performance Indicators for European Banks 12
P. 1RBC Capital - Performance Indicators for European Banks 12RBC Capital - Performance Indicators for European Banks 12Ratings: 0|Views: 1,049|Likes: 3Published by ritesh30383Funding and Performance Indicators for European BanksFunding and Performance Indicators for European BanksMore info:Published by: ritesh30383 on Mar 19, 2012Copyright:Attribution Non-commercialAvailability:Read on Scribd mobile: iPhone, iPad and Android.Free download as PDF, TXT or read online for free from ScribdFlag for inappropriate content|Add to collectionSee MoreSee lesshttp://www.scribd.com/doc/85887526/RBC-Capital-Performance-Indicators-for-European-Banks-1211/15/2013pdftextoriginal You're Reading a Free Preview
Activity (4)FiltersAdd to collectionReviewAdd noteLikeEmbedShowingAllMost RecentReviewsAll NotesLikesYou've already reviewed this. Edit your review.Rating 0/5Post notePost reviewPost replyPost note and like1 thousand reads|27 days ago1 hundred reads|about 1 year agoMukaranga liked this|8 months agoBruno Dias da Costa liked this|about 1 year agoLoad more
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1 wow, that's some strange behaviour IMHO. A would definitely prefer the compiler giving an error here. Why "quietly" here when all the other conversions lead to compiler warnings?
1 Something else to keep in mind is that UnicodeString is based on UTF-16, which uses 2-character surrogates for a subset of Unicode codepoints. To be politically correct, you should decode UTF-16 to UTF-32 before than processing the set of "characetrs". The TCharacter class has methods for dealing with UTF-32 codepoints and UTF-16 surrogates.

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Science and Government (Godkin Lectures on the Essentials of Free Government & the Duties of the Citizen)5 Mar 2013by Charles Percy Snow and Lord Robert May Lord Robert MayPaperback£12.95PrimeOnly 1 left in stock - order soon.More buying choices£6.39used & new(27 offers)Kindle Edition£12.30Other Formats:Hardcover
... Essentials of Free Government and the Duties of the Citizen ...See a random page in this book.The Free Market Reader (Large Print Edition): Essays in the Economics of Liberty1 Jan 1988by Llewellyn H. Rockwell Jr.Paperback£10.00PrimeGet it by Monday, Aug 1More buying choices£8.44used & new(10 offers)Kindle Edition£2.34
... Provision for duty-free interstate trade increased productivity. ...See a random page in this book.Truth and Duty31 Oct 2006by Mary MapesPaperback£17.99PrimeGet it by Monday, Aug 1More buying choices£10.96used & new(32 offers)Kindle Edition£6.17Other Formats:Hardcover, Audio CDEligible for FREE UK DeliveryCapitalism and Freedom: Fortieth Anniversary Edition15 Nov 2002by Milton FriedmanPaperback£12.50PrimeGet it by Tomorrow, Jul 31More buying choices£5.57used & new(71 offers)Kindle Edition£10.79Other Formats:Hardcover, Audio Download, Audio CD
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Pewter Bookmark: The art of prophecy is very difficult | Etsy
Pewter Bookmark: "Kindness is the language which the deaf can hear & the blind can see." - Mark Twain
Pewter Bookmark: "Be yourself, embrace your quirks." - Ed Sheeran
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An elegant bookmark for the avid reader. This pewter bookmark is approximately 6" x .5". Engraved on the front with the inspirational quote, "The art of prophecy is very difficult, especially with respect to the future." The back is engraved with the name of the quote's author, "Mark Twain" The second photo shows you the front and the back in the same frame.The third photo shows just the front. The fourth photo shows just the back. Attached on one end, is a lovely burgundy tassel. Comes in a cotton-filled gift box, ready for giving.
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Is it time to move on from Geno? - New York - Scout
Is it time to move on from Geno?Jeremy Epstein12/23/2014With the news yesterday that owner Woody Johnson is getting ready to hire former Super Bowl winning general manager Charley Casserly as a consultant if and when he fires head coach Rex Ryan and general manager John Idzik, the winds of change seem to be blowing at One Jets Drive. And perhaps the biggest question a new regime would have to answer is: is it time to move on from Geno Smith?
Florham Park, N.J.-
As former Jets head coach Herm Edwards likes to say: It takes 3,000 snaps or three full years to affectively evaluate and determine what you have in a
After an up-and-down first three months of his first season, including a stretch in which he went five weeks without a touchdown pass, Smith concluded the
season with a strong month of December. He led the Jets to a 3-1 record, ended the season with the only back-to-back zero turnover game of his career to
this point and posted the second highest quarterback rating in the NFL in that span, recording a 78.9 rating.
It was only natural to assume and hope that going into his second year, Smith would be able to improve on that final month of the season and potentially
improve on a surprising 8-8 record, but that has not been the case.
Smith’s season started off well, posting strong performances against Oakland and Green Bay, but he soon began to struggle and revert to his bad habits.
Those struggles were evident when he was benched for the first time against the Chargers in an embarrassing 31-0 blowout loss.
To his credit, Smith rebounded with strong performances against perhaps the two best teams in the AFC, the Broncos and the Patriots. Again there was reason
for optimism but in his next outing Smith inexplicably threw three consecutive interceptions in the first quarter, which resulted in him being benched for
backup Michael Vick.
Smith didn’t start another game until December 1 against the Dolphins in which he only attempted 13 passes one of which was a game-ending interception.
In the last three weeks, Smith hasn’t played as bad as detractors say he has. He has finished with a QBR of over 80 in three straight games -- the first
time in his career he has done that. But he has a penchant for throwing incredibly damaging and momentum killing interceptions, like when he threw a
pick-six on his first pass attempt against the Vikings or his interception on Sunday that led to the Patriots scoring what ended up amounting to the
The knocks on Smith are that he exhibits poor footwork, can be inaccurate, is a bad decision maker, holds on to the football to long and is turnover prone.
In two seasons, Smith has had only six turnover free games in his NFL career and has thrown 34 interceptions to only 22 touchdowns.
Some of Smith’s flaws were on display against the Patriots. While Smith didn’t play all that terribly, posting a higher rating than Tom Brady (83.9 to
76.1) Smith made two crucial mistakes that arguably cost the Jets the game.
The first was on that interception, a ball that was badly underthrown and intercepted by linebacker Jamie Collins, but taking a sack on third-and-four from
the Patriot 24 resulted in a loss of ten-yards and turned what would have been a short field goal into a 51-yarder which ended up being partially blocked
by defensive tackle Vince Wilfork.
“In close games, one or two bad decisions can be the difference and today, I think it hurt us,” said Smith after the game.
Ryan also offered up a pretty damming critique of Smith’s mistakes.
“He underthrew it. It was a poor throw,” said Ryan of Smiths interception.
Ryan who is usually nothing but positive also was not pleased of Smith’s inability to get rid of the ball before he took that sack.
“Pretty darn critical, “ said Ryan of the significance of the sack Smith took, “That’s something you have to learn from. You can’t take a sack there no
matter who is in your face. Get rid of the football. You can’t take sacks in those situations.”
When you watch the tape on that sack however, you can see that the Jets blew an assignment on that play allowing Dont'a Hightower to get to Smith
“Now you really saw what he saw,” Ryan said after watching the tape Monday. “The guy was on top of him immediately and we had done a great job in
protection the whole game and then we blow (an assignment).”
While that doesn’t excuse the Smith’s inability to get rid of the football, when you put the play into context it isn’t as egregious.
Some critics can question Smith’s decision-making but Smith does have plenty of positives. He has a big arm and he can make all the throws, he is athletic
enough to buy time in the pocket and keep plays alive with his feet.
Smith was an incredibly raw prospect coming out. He came from West Virginia who ran a spread offense and it was known that Smith wasn’t a finished product
and needed time to groom.
If not for a Mark Sanchez shoulder injury last year, Smith definitely wouldn’t have been the opening day starter for the Jets but instead was thrown into
the fire right away.
What frustrates most Jet fans about Smith though is that he is not just inconsistent game-to-game, but drive-to-drive. Smith can put together really well
executed scoring drives but on the next drive throw a bone-headed interception.
You are going to have growing pains with a young quarterback and Smith certainly isn’t a finished product. There are very few guys like Andrew Luck who can
come into the NFL and set it on fire right away.
Smith hasn’t been great in his first two years but he hasn’t been as putrid as his detractors say he has been.
The winds of change are blowing and Smith has one more chance to avoid being blown away like his head coach and the man that drafted him.
Everyone Loves Mangold
Woody Prepared To Hire Casserly As Consultant
Share on Facebook Share on TwitterTrending on ScoutPSU Gets Chance To Prove Committee WrongLSU headed to Citrus Bowl to play LouisvilleFirst Report: Fast Start Fuels UNC VictorySATURDAY: Jets-Colts Injury ReportOFFICIAL: WSU in Holiday Bowl vs. GophersShare & EmbedWATCH: Jets-Colts Preview Full StoryJets Insider Top StoriesSATURDAY: Jets-Colts Injury ReportSome good news for Jets fans on the injury front...by JetsInsider.com StaffJets InsiderYesterday at 3:13 PMWATCH: Jets-Colts PreviewJets are now playing for pride...by JetsInsider.com StaffJets InsiderFriday at 1:12 PMMarshall may not get Christmas wishThe Jets receiver has openly expressed his desire to retire in New York. With young receivers developing and financial concerns, Marshall's playing days in green and white could be…by Joe BaroneJets InsiderFriday at 10:19 AMWhat To Watch For: Jets vs. ColtsBreaking down the Week 13 matchup between the New York Jets and Indianapolis Coltsby Joe BaroneJets InsiderFriday at 8:32 AMWATCH: Revis Cashing It In?Is Revis Island closing down in New York?by JetsInsider.com StaffJets InsiderFriday at 6:46 AMFormer Jet Joe McKnight Killed in ShootingFormer Jets running back was fatally shot this afternoon.by Marcus ReynoldsJets InsiderThursday at 2:28 PMLuck has LegsAndrew Luck is no Mike Vick, but he can run.by Marcus ReynoldsJets InsiderThursday at 8:02 AMColts QB has unlucky history vs. JetsAndrew Luck has an 0-2 career record against the New York Jets and hasn't looked good doing it.by Joe BaroneJets InsiderThursday at 6:55 AMWhy Quincy Enunwa is the Team MVPEnunwa has by far been the best offensive weapon the Jets have had this season.by Giovanni AnnatelliJets InsiderWednesday at 11:11 AMWATCH - Marshall: "Not Winning Is Rough"Being close is not good enough...by JetsInsider.com StaffJets InsiderMonday at 11:06 AMFriday: Jets-Colts Injury ReportSome big names are on Friday's list...by JetsInsider.com StaffJets InsiderFriday at 1:38 PMTHURSDAY: Jets-Colts Injury ReportSome good news on the injury front...by JetsInsider.com StaffJets InsiderThursday at 8:31 PMLoad More

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Patent US6025638 - Structure for precision multichip assembly - Google PatentsSearch Images Maps Play YouTube News Gmail Drive More »Sign inAdvanced Patent SearchPatentsProcess for making an integrated circuit module and product thereof including a carrier supporting a plurality of precisely aligned semiconductor circuit chips having uniform thicknesses....http://www.google.com/patents/US6025638?utm_source=gb-gplus-sharePatent US6025638 - Structure for precision multichip assemblyAdvanced Patent SearchPublication numberUS6025638 APublication typeGrantApplication numberUS 09/088,399Publication dateFeb 15, 2000Filing dateJun 1, 1998Priority dateJun 1, 1998Fee statusPaidPublication number088399, 09088399, US 6025638 A, US 6025638A, US-A-6025638, US6025638 A, US6025638AInventorsSubramania S. Iyer, H. Bernhard PoggeOriginal AssigneeInternational Business Machines CorporationExport CitationBiBTeX, EndNote, RefManPatent Citations (36), Non-Patent Citations (24), Referenced by (19), Classifications (31), Legal Events (4) External Links: USPTO, USPTO Assignment, EspacenetStructure for precision multichip assemblyUS 6025638 AAbstract Process for making an integrated circuit module and product thereof including a carrier supporting a plurality of precisely aligned semiconductor circuit chips having uniform thicknesses.
Advances occurring in semiconductor processing have permitted the scale of individual integrated circuit devices to be shrunk to make it possible to incorporate increasing amounts of functionality in a single integrated circuit chip. For example, sixteen 1 MBIT Dynamic Random Access Memory (DRAM) chips of equal size in 1984 required a total chip area of 800 mm.sup.2, while a single 16 MBIT design containing the same functionality in 1990 required only 110 mm.sup.2. Thus, although the individual chip size has increased by approximately 50%, the net chip area has been reduced by a factor of 8. Accordingly, as integrated circuit chips are required to incorporate more and more functionality, the size of the chips has been steadily increasing.
However, there are practical problems associated with continually increasing the maximum chip size. A first set of problems relates to the physical limits of present day fabrication equipment. For example, state-of-the-art manufacturing lithography equipment commonly used to expose high resolution patterns through masks onto semiconductor substrates effectively limits chip size to the size of the lithography exposure field of the equipment. The size of the direct exposure field of state-of-the-art manufacturing lithography equipment in the mid 1990s is generally on the order of 25 mm in diameter, allowing square chip design exposure of about 324 mm.sup.2 (18 mm in development are rectangular and tend to be 20 mm larger. A solution to the exposure field/stitching problem is to develop fabrication equipment having a larger exposure field and, therefore, the capability to manufacture larger chips without stitching masks together. However, such a solution would require massive financial investment in research and development.
Alignment marks (not shown) for aligning a subsequent etch mask to be formed on the mandrel surface are provided by printing pattern marks onto a major face 10 of the mandrel 1 at otherwise non-used regions. The alignment marks are used to align the etch mask next formed on the mandrel surface 10, and the alignment marks are used to ensure that the mask is aligned with the [110] direction. The alignment pattern marks can be made by conventional methods, such as by forming alignment forks according to the techniques described by M. Vangho and Y. Baecklund, J. Micromech. Microeng., vol. 6, pp. 279-284 (1996), which permit a rapid and precise determination of the crystallographic orientation in silicon wafers and which can be used to align subsequent masks. The alignment forks permit alignment accuracies of .+-05 degrees to be achieved. Alignment pattern marks are also printed onto an opposing major face of each chip wafer to be positioned upon the mandrel 1.
Continuing in the description of the inventive process, and as shown in FIG. 2B, the kerf area 8 common between chips 4,5 of the front surface 203 of the silicon substrate 21, is appropriately patterned to form mask pattern 202, e.g., a photolithographically patterned Si.sub.3 N.sub.4 film. As shown in FIG. 2C, the exposed area of the substrate 21 is then wet etched to create the recess 20. The nature of this etch operation is set forth in greater detail hereinafter.
The wet anisotropic etchants that can be used for etching cavities 20 in the silicon substrate 21 located below the kerf area 8 between adjacent chips 4 and 5 include the same etchants used for etching the mesa structures 2 on the mandrel 1. These etchants, due to their anisotropic nature, have differential etch rates for different crystallographic planes, thereby creating a tapered or beveled side edge in the recess or cavity created. Therefore, anisotropic etchant results in (111) oriented sidewalls 9 on the cavities 20 formed in the kerf areas 8 between chips 4 and 5. For example, using KOH etchant on a (100) silicon wafer, the etch angle α will be 54.7.degree. relative to the (100) plane.
As also shown in FIG. 2D, an important operation performed at this stage of processing is that the outer surface of the workpiece 206 is coated with a thin layer 204 of PECVD SiO.sub.2.
In the embodiment shown in greater detail in FIG. 3D where the metallization 51 is stepped back from the mesa 2 (such as in the intermediate assembly formed as shown in FIG. 2D), the height d of the mesa 2 from flat 210 is a smaller value than the combined depth d.sub.1 comprised of the cavity depth d.sub.2 in the substrate 21 plus the thickness d.sub.3 of the overlying metallization 51. The hatched lines in FIG. 3D indicate the ability for inserting the mesa 2 into cavity 6 in which the cavity sidewalls 9 conformally confront the side edges 3 of the mesa 2.
As indicated by the hatched lines in FIG. 1B, and with the resulting assembly shown in FIG. 4A, the diced integrated circuit chips 4, 5 are each placed face down, i.e., with active areas 401,501 facing mandrel 1, onto and against the corresponding located mesa structure 2 on the mandrel 1 to which it is mated with a standard pick and place tool. Contact is made between the major surface 10 of the mandrel 1 and the exposed oxidized layer 204 previously formed on BEOL area 51 and cavities 6 of the chip 5. Van der Waals forces cause the two surfaces to attractively associate. A brief anneal can be applied for several minutes at a low temperature (350-450 cause the diced component chips 4, 5 to enhance the adherence between the mandrel 1 and diced chips 4,5. The elevated temperature bonding is done after the mandrel wafer 1 is fully populated with the desired collection of integrated circuit chips 4,5. Alternatively, the integrated circuit chips 4,5 can be adhesively bonded to the mandrel 1 with the use of an appropriate adhesive, such as a temperature stable epoxy that can tolerate temperatures greater than 400 bonding is surface cleanliness. Therefore, just prior to the association step, the mandrel 1 and the integrated circuit chips 4, 5 preferably are subjected to a conventional cleaning procedure.
Chip 4' has been processed in a similar manner as chips 4 and 5 as described above insofar as the positioning cavity formation, except that chip 4' is derived from a chip workpiece other than workpiece 206 as shown in FIG. 2A). Separate chips derived from the same or different chip workpieces generally will not have identical thicknesses. For example, the thickness of the semiconductor substrate wafer may vary between chips derived from separate workpieces and/or different active area and metallization processing will cause variations in thickness between separate chips. Therefore, the back surface profile 31 is not co-planar with all the chip backsides 31' and 31". Accordingly, at this stage of processing, the back surfaces 31' and 31" are simultaneously planarized using high speed silicon polishing, e.g., conventional CMP, used in wafer polishing, resulting in the planarized backside 33 extending co-planar with both chip backsides 33' and 33", as shown in FIG. 4B. After completing planarization, the overall remaining thickness of all the planarized chips 4' and 5 of uniform thickness can be as little as 200 μm, or even smaller. This surface is then coated with a thin PECVD SiO.sub.2 film.
Then, a permanent substrate carrier 34 is provided for chip bonding, as shown in FIG. 4C. The permanent substrate carrier is pretreated prior to contact with the chips and mandrel assembly whereby a thin film (not shown) of thermal oxide or PECVD silicon dioxide is formed on both its backside 36 and what will be its chip receiving face 33'". The backside oxide will be used as an etch stop while the frontside oxide formed on carrier 34 in this manner will facilitate joinder to the chips 4', 5. The polished backside 33 with the PECVD Si O.sub.2 film of the bonded chips 4', 5 is then placed in contact with the planar, oxidized surface 33'" of carrier wafer 34. The bonding process is then repeated so that the bonded chips 4', 5 at this time are sandwiched in-between the original mandrel 1 with its mesas 2, and the planar carrier wafer 34, with the resulting assembly shown in FIG. 4C.
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Three Dimensional Hybrid Wafer Scale Integration Using the GE High Density Interconnect Technology IEEE Confedrence on Wafer Scale Integration, Ses. 7,WSI Tech. 1 pp. 308 316 1993.* Cited by examinerReferenced byCiting PatentFiling datePublication dateApplicantTitleUS6093640 *Jan 11, 1999Jul 25, 2000Taiwan Semiconductor Manufacturing CompanyOverlay measurement improvement between damascene metal interconnectionsUS6110806 *Mar 26, 1999Aug 29, 2000International Business Machines CorporationProcess for precision alignment of chips for mounting on a substrateUS6393685 *Jun 9, 1998May 28, 2002The Regents Of The University Of CaliforniaMicrojoinery methods and devicesUS6429045Feb 7, 2001Aug 6, 2002International Business Machines CorporationStructure and process for multi-chip chip attach with reduced risk of electrostatic discharge damageUS6444560Sep 26, 2000Sep 3, 2002International Business Machines CorporationProcess for making fine pitch connections between devices and structure made by the processUS6455945 *Mar 18, 1999Sep 24, 2002Fujitsu, LimitedSemiconductor device having a fragment of a connection part provided on at least one lateral edge for mechanically connecting to adjacent semiconductor chipsUS6593644Apr 19, 2001Jul 15, 2003International Business Machines CorporationSystem of a package fabricated on a semiconductor or dielectric wafer with wiring on one face, vias extending through the wafer, and external connections on the opposing faceUS6737297Aug 6, 2002May 18, 2004International Business Machines CorporationProcess for making fine pitch connections between devices and structure made by the processUS6864165Sep 15, 2003Mar 8, 2005International Business Machines CorporationMethod of fabricating integrated electronic chip with an interconnect deviceUS7005319Nov 19, 2004Feb 28, 2006International Business Machines CorporationGlobal planarization of wafer scale package with precision die thickness controlUS7468886Mar 5, 2007Dec 23, 2008International Business Machines CorporationMethod and structure to improve thermal dissipation from semiconductor devicesUS7476565 *May 3, 2007Jan 13, 2009Advanced Chip Engineering Technology Inc.Method for forming filling paste structure of WL packageUS7724527Aug 25, 2008May 25, 2010International Business Machines CorporationMethod and structure to improve thermal dissipation from semiconductor devicesUS8110899 *Dec 20, 2006Feb 7, 2012Intel CorporationMethod for incorporating existing silicon die into 3D integrated stackUS8354753 *Feb 23, 2011Jan 15, 2013Institute of Microelectronics, Chinese Academy of Sciences3D integrated circuit structure and method for detecting chip mis-alignementUS8429813 *Aug 2, 2002Apr 30, 2013Gemalto SaProcess to allow electrical and mechanical connection of an electrical device with a face equipped with contact padsUS8508952Mar 1, 2010Aug 13, 2013Gemalto S.A.Electrical assemblyUS20120056177 *Feb 23, 2011Mar 8, 2012Institute of Microelectronics, Chinese Academy of Sciences3d integrated circuit structure and method for detecting chip mis-alignementEP1737039A2 *Feb 28, 2006Dec 27, 2006Nokia CorporationSemiconductor Package* Cited by examinerClassifications U.S. Classification257/618, 257/E23.178, 257/723, 257/619, 257/E29.22, 257/730, 257/E25.12, 257/420, 257/E21.705, 257/685, 257/797International ClassificationH01L23/538, H01L21/68, H01L25/065, H01L21/98, H01L29/06Cooperative ClassificationH01L2221/68313, H01L25/50, H01L2224/95136, H01L23/5389, H01L2924/10158, H01L25/0655, H01L21/6835, H01L2924/3025, H01L29/0657, H01L2224/13022, H01L2224/83136European ClassificationH01L21/683T, H01L25/50, H01L25/065N, H01L23/538VLegal EventsDateCodeEventDescriptionJul 15, 2011FPAYFee paymentYear of fee payment: 12Jul 13, 2007FPAYFee paymentYear of fee payment: 8Jul 10, 2003FPAYFee paymentYear of fee payment: 4Jun 1, 1998ASAssignmentOwner name: INTERNATIONAL BUSINESS MACHINES CORPORATION, NEW YFree format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:POGGE, H. 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Andy Murray & Colin Fleming lose Rogers Cup doubles final - BBC Sport The BBC has updated its cookie policy. We use cookies to ensure that we give you the best experience on our website. This includes cookies from third party social media websites if you visit a page which contains embedded content from social media. Such third party cookies may track your use of the BBC website. We and our partners also use cookies to ensure we show you advertising that is relevant to you. If you continue without changing your settings, we'll assume that you are happy to receive all cookies on the BBC website. However, you can change your cookie settings at any time. Continue Change settings Find out more ]]> Accessibility links Accessibility Help BBC iD Notifications
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Murray and Fleming on partnershipAndy Murray and Colin Fleming were beaten 6-4 7-6 (7-4) by Alexander Peya and Bruno Soares in the doubles final at the Rogers Cup in Montreal.After losing the first set, the Scots were broken early in the second by Austrian Peya and Brazilian Soares.They recovered to force a tie-break but the third seeds regained control to close out the match in straight sets.
Earlier this week, The world number two will move on to next week's Cincinnati Masters before the defence of his US Open title in New York later this month.
Share this page Share this with Digg Facebook Google LinkedIn Reddit StumbleUpon Twitter Copy this link http://www.bbc.co.uk/sport/tennis/23661675 Read more about sharing. Top Stories West Ham strike late to reach last 16 9 Feb From the section Football Read more on West Ham strike late to reach last 16 De Kock and Amla humble England as South Africa win 9 Feb From the section Cricket Read more on De Kock and Amla humble England as South Africa win Ireland legend O'Connell quits rugby 9 Feb From the section Rugby Union Read more on Ireland legend O'Connell quits rugby Related to this story Murray & Fleming in doubles final 11 Aug 2013 From the section Tennis Read more on Andy Murray & Colin Fleming through to Montreal doubles final Murray loses to Gulbis in Montreal 9 Aug 2013 From the section Tennis Read more on Andy Murray loses to Ernests Gulbis at Rogers Cup in Montreal Get Inspired Activity Finder Run by the BBC and partners Find ways to get active near you: Enter your town, city or postcode: Search Tue 09 Feb Steel City Striders Running Club Tue 09 Feb Ladies Only Gym Session For more ideas, information and inspiration, visit bbc.co.uk/getinspired Back to top Tennis Live Scores Results Video Calendar Draws Order of Play Men's Rankings Women's Rankings Tennis Home News Feeds Help & FAQs Explore the BBC News News Sport Weather Shop Earth Travel Capital iPlayer Culture Autos Future TV Radio CBBC CBeebies Food iWonder Bitesize Travel Music Earth Arts Make It Digital Taster Nature Local Terms of Use About the BBC Privacy Policy Cookies Accessibility Help Parental Guidance Contact the BBC Advertise with us Ad choices Copyright © 2016 BBC. The BBC is not responsible for the content of external sites. Read about our approach to external linking.

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Jelena Janković (Serbian Cyrillic: Јелена Јанковић, pronounced [jɛ̌lɛna jǎːnkɔv̞itɕ], born 28 February 1985) is a Serbian professional tennis player. Janković is a former World No. 1 in singles, a ranking achieved in the months following her finals appearance at the 2008 US Open. Janković's career highlights include winning the 2007 Wimbledon Mixed Doubles title with Jamie Murray, the 2010 BNP Paribas Open, the Internazionali BNL d'Italia twice, in 2007 and 2008, and the aforementioned appearance in the finals of the 2008 US Open. She is coached by her brother Marko.
Janković was born in Belgrade, Socialist Federal Republic of Yugoslavia, as the third child of Veselin and Snežana, both economists.. She has two brothers, Marko and Stefan. She is a student at the Megatrend University in Belgrade, studying economics. However, she has put her course of study on indefinite hold as she continues to pursue her tennis career. Janković learned her first tennis skills at the Tennis Club 'Red Star'. As a 9 1⁄2-year-old she was introduced to tennis by her elder brother and fitness coach Marko. She was later trained at the Tennis Academy of Nick Bollettieri. As a junior she won the 2001 Australian Open and reached junior no. 1 in the world. In 2001, she started to play on the WTA Tour; she reached the second round at her first tournament at the Indian Wells Masters.
This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/Jelena_Janković
Jankovic, Jelena Filmography
Famous quotes by Jelena Jankovic:
"I am working on every aspect of of my game, on moving forward, on my transition game. Also a very important part of my tennis is fitness. I want to be stronger, because in the past, this was my biggest weakness."
"It's just natural I just started to play like this I just hit the ball no one taught me to do it ? I'm a little bit left handed. I kick a ball with the left leg and I write right handed now, but before I wanted to always right left handed, but they always told me write right handed."
"I wasn't even playing tennis (when I first saw Seles). I was always watching (Seles) on TV with my dad and I decided to play tennis not because I wanted to be a professional player, but because my parents wanted me to get involved in something so I wouldn't be running around the streets in Serbia."
"I got sick when I was playing the semi-finals in Korea, and since then I've had a tough time playing,"
"At one point in the match I thought I was going to throw up, I think maybe it was 6-5. If it wasn't a final maybe I would have retired."
"At one point in the match I thought I was going to throw up, I think maybe it was 6-5 (in the first set). If it wasn't a final maybe I would have retired."
"It was a big mistake. I just couldn't concentrate."
"I have a new coach now and he's changing little things in my game. So all the shots feel so insecure at the moment."
"I'm not playing at my best, I don't feel the ball well. I have a new coach and he's changing things in my game, so the shots feel so insecure at the moment. My first (match) with him I lost in Toronto and now here. And before that I was not playing bad. Since I started with the coach, I'm not feeling so confident."
"I don't have confidence so I'm not playing my best. I have a new coach now and he's changing little things in my game. So all the shots feel so insecure at the moment."
Latest News for: jelena jankovic
1999 U.S. Open - def. Martina Hingis, 6-3, 7-6 (4). 2001 U.S. Open - lost to Venus Williams, 6-2, 6-4. 2002 French Open - def. Venus Williams, 7-5, 6-3. 2002 Wimbledon - def. Venus Williams, 7-6 (4), 6-3. 2002 U.S. Open - def. Venus Williams, 6-4, 6-3. 2003 Australian Open - def. Venus Williams, 7-6 (4), 3-6, 6-4 ... Jelena Jankovic, 6-4, 7-5 ... ....
2018 - Naomi Osaka (Japan) beat Serena Williams (U.S.) 6-2 6-4 2017 - Sloane Stephens (U.S.) beat Madison Keys (U.S.) 6-3 6-0 2016 - Angelique Kerber (Germany) beat Karolina Pliskova (Czech Republic) 6-3 4-6 6-4 2015 - Flavia Pennetta (Italy) beat Roberta Vinci (Italy) 7-6(4) 6-2 2014 - Serena Williams (U.S.) beat Caroline Wozniacki (Denmark) 6-3 ......
Jamie Murray underlined his reputation as the world’s best mixed doubles player here on Saturday when he won his second successive US Open title and his third in Grand Slam tournaments in the last 15 months ... The 32-year-old Scot, who won the first of his four Grand Slam mixed doubles titles alongside Jelena Jankovic at Wimbledon 11 years ago, and the 33-year-old American have been an instant hit together ... More ... “We match ... He added ... More ... ....
2018 - Naomi Osaka def. Serena Williams, 6-2, 6-4. 2017 - Sloane Stephens def. Madison Keys, 6-3, 6-0. 2016 - Angelique Kerber def. Karolina Pliskova, 6-3, 4-6, 6-4. 2015 - Flavia Pennetta def. Roberta Vinci, 7-6 (4), 6-2. 2014 - Serena Williams def. Caroline Wozniacki, 6-3, 6-3. 2013 - Serena Williams def. Victoria Azarenka, 7-5, 6-7 (6), 6-1. 2012 - Serena Williams def. Victoria Azarenka, 6-2, 2-6, 7-5 ... Jelena Jankovic, 6-4, 7-5 ... Mary K ... ....
Friday, Sept. 7, the 250th day of 2018. There are 115 days left in the year. Today's Highlight in History.. On Sept. 7, 1940, Nazi Germany began its eight-month blitz of Britain during World War II with the first air attack on London. On this date.. In 1901, the Peace of Beijing ended the Boxer Rebellion in China. In 1927, American television pioneer Philo T ... Serena Williams outlasted Jelena Jankovic 6-4, 7-5 to win her third U.S ... Actress J ... ....
Serena Williams´ grand slam successes
Serena Williams will equal Margaret Court’s all-time record of 24 major singles titles if she overcomes Japan’s Naomi Osaka in Saturday’s US Open final ... 1999 – US Open ... 2005 – Australian Open ... Williams bounced back after Venus had beaten her in the Wimbledon final to win the US Open for a third time with a 6-4 7-5 victory over Serbia’s Jelena Jankovic, which lifted her back to the top of the world rankings for the first time since 2003....
1993 – 25 years ago. • More than 15,000 students in the Rochester district headed to school this morning for the start of another year. • Firefighters from Lake City, Wabasha and Zumbro Falls fought a fire that destroyed part of the Independent Grain & Feed Co. elevator. It was the worst fire in Lake City in more than 20 years. 1968 – 50 years ago ... William J ... Serena Williams outlasted Jelena Jankovic 6-4, 7-5 to win her third U.S ... ....
Today is Friday, Sept. 7, the 250th day of 2018. There are 115 days left in the year. TODAY'S HIGHLIGHT IN HISTORY. On Sept. 7, 1940, Nazi Germany began its eight-month blitz of Britain during World War II with the first air attack on London. ON THIS DATE.. In 1901, the Peace of Beijing ended the Boxer Rebellion in China. In 1927, American television pioneer Philo T ... Serena Williams outlasted Jelena Jankovic 6-4, 7-5 to win her third U.S ... ....
On this date. Today's Highlight in History.. On Sept. 7, 1940, Nazi Germany began its eight-month blitz of Britain during World War II with the first air attack on London. On this date.. In 1901, the Peace of Beijing ended the Boxer Rebellion in China. In 1927, American television pioneer Philo T ... In 1977, the Panama Canal treaties, calling for the U.S ... Ten years ago ... Serena Williams outlasted Jelena Jankovic 6-4, 7-5 to win her third U.S ... ....
Today in History. Today is Friday, Sept. 7, the 250th day of 2018. There are 115 days left in the year. Today's Highlight in History.. On Sept. 7, 1940, Nazi Germany began its eight-month blitz of Britain during World War II with the first air attack on London. On this date.. In 1901, the Peace of Beijing ended the Boxer Rebellion in China ... In 2002, President George W ... Serena Williams outlasted Jelena Jankovic 6-4, 7-5 to win her third U.S....
Jamie Murray and Bethanie Mattek-Sands reach US Open mixed doubles final
Having won his first mixed doubles Grand Slam title alongside Jelena Jankovic at Wimbledon in 2007, Murray won two more last year when he partnered Martina Hingis to victory at the All England Club and at Flushing Meadows ... ....

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Life Agent Jobs, Employment in Hill AFB, UT
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BBC News - Guernsey States approve zero-10 tax change
Changes to Guernsey's corporate tax regime needed to make it compliant with the EU code of conduct have been approved.
The States unanimously agreed to follow the governments of Jersey and the Isle of Man in removing an area of the Zero-10 regime known as deemed distribution.
The change will come into effect from 1 January next year.
It is expected to result in an estimated loss of income for the island of £3-4m a year.
The Zero-10 system allows most corporations in Guernsey to pay no tax, while others pay 10% and a minority pay 20%.
During debate Deputy Roger Perrot launched a scathing attack on the European Union.
He has been a long time campaigner for greater autonomy from the UK, particularly in the area of law making.
Treasury Minister Gavin St Pier said he shared the frustration that "external forces have required us to do this, but it is important that we made the change and that was recognised by the unanimous support".
He said: "Clearly there is a tax loss as a result of this measure, but I do think we have to keep this in context it is less than 1% of our revenue budget for this year.
"That's well within the margins of a variance we might have anyway... but we do have to deal with that in our planning for 2013."
Deputy St Pier said in terms of the island's relationship with the UK "we cannot simply haul up the bridge and pretend we can ignore what is going on beyond our shores".


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Nelon Pascal - Wikipedia, the free encyclopedia
10 June 2010 v South Africa
1 December 2010 v Sri Lanka
Source: Cricket Archive, 10 January 2010
Nelon Troy Pascal (born 25 April 1987 in St David's, Grenada) is a cricketer who has represented the West Indies in Tests and One Day Internationals (ODIs). He is a fast bowler who bats and bowls right handed. His main first-class and List A cricket has been for the Windward Islands.[1] He played for the West Indies in the 2006 U-19 Cricket World Cup in Sri Lanka. He spent 2008 in England playing club cricket for Boldon CC in the Durham Senior League.
Nelon was selected for the West Indies tour squad to England in 2009 where he played in the warm up matches against Essex and Derbyshire. He made his first international appearance in 2009 in an ODI against Bangladesh, this was followed by two appearances for the Test side in 2010.
^ "Nelon Pascal". www.cricketarchive.com. Retrieved 2010-03-07. v
Retrieved from "https://en.wikipedia.org/w/index.php?title=Nelon_Pascal&oldid=710282095"	Categories: 1987 birthsLiving peopleGrenadian cricketersSt Lucia Zouks cricketersWest Indies Test cricketersWest Indies One Day International cricketersWindward Islands cricketersPeople from Saint David Parish, Grenada	Navigation menu
Add links	This page was last modified on 16 March 2016, at 01:22.

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Lonely - Soulclap Song - BBC Music The BBC has updated its cookie policy. We use cookies to ensure that we give you the best experience on our website. This includes cookies from third party social media websites if you visit a page which contains embedded content from social media. Such third party cookies may track your use of the BBC website. We and our partners also use cookies to ensure we show you advertising that is relevant to you. If you continue without changing your settings, we'll assume that you are happy to receive all cookies on the BBC website. However, you can change your cookie settings at any time. Continue Change settings Find out more ]]> Accessibility links Skip to content Accessibility Help BBC iD Notifications
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CBD Stock No: WW65442EB
Format: DRM Protected ePubVendor: RevellPublication Date: 2014ISBN: 9781441246592ISBN-13: 9781441246592Series: Logan Point
This review was written for A Promise to Protect, Logan Point Series #2.
Dr Leigh Somerall returns to Logan Point with her son. Ten years ago she had been chased away by the former Sheriff Tom
to keep secret why she stopped dating his son or else he would jail her brother for his offense. Now Leigh is back to finish her obligation to work in the hospital there to pay back her medical school loans. Her son and Leigh are staying with her brother, Tony Jackson.
But something is not going right with her brother. The only person she can turn to now is Acting Sheriff Ben Logan who
information about the truth behind Bens fathers shooting. Before they can meet, Ben finds Tony shot. With his dying breath Tony put Ben into a position to vow to protect his sister.
The tension was thick and well-sustained with quite a tangled web of clues and secrets revealed and lies being uncovered.
The book covers deceit, betrayal, viciousness, greed, hatred but is also filled with faith, friendship, trust, forgiveness and love.
A Promise to Protect is the second book in the Logan Point series. It can be read as a stand alone with the reader able to follow along without difficulty.
Mississippi Murder Mystery - Small town sheriff, Old Love, March 31, 2015
This suspenseful book begins with a murder at the Peabody Hotel in Memphis, TN. Patricia Bradley does an excellent job of keeping you wondering who the murderer is. I was not certain who it was until the end! The main female character, Dr. Leigh Somerall, has kept secrets for the past ten years. When attempts are made on Leighs life, Acting Sheriff Ben Logan takes her to stay with his parents for safety. Bens father, former Sheriff Tom Logan has secrets that his son knows nothing about.
The book shows the damage parents thoughtless words can cause as Leigh struggles with self-worth after her mother told her she was a mistake. Ben and Leigh both learn about Gods forgiveness and forgiving ourselves.
I enjoyed the book very much and recommend it to others. I like books where I am kept in suspense throughout the story.
I received this book from www.bookfun.com and Revell in exchange for my honest opinion.
I'm the author/artist and I want to review A Promise to Protect, Logan Point Series #2 -eBook. Start A New Search

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This website is a Christian catalog and internet retailer.
Christian Book Distributors was started in 1978 by Stephen Hendrickson, 19 years old and a sophomore at Central Bible College in Springfield, Missouri, out of his parents’ home in Lynn, Massachusetts.


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Sardul Singh Sandhu Books New, Rare & Used Books - Alibris
Sardul Singh Sandhu Director of Centre for Scientific Research & Development (C.S.R.D.), People's Group, Bhopal and is Professor on-lien from Rani Durgawati University, Jabalpur. He has meticulously researched on various fields of Biotechnology and has shared his vast experience of molecular biological techniques to create this book. His area of research involves Biotechnology, Molecular Biology and applications of Biotechnology in Medical Science. He has published 74 research papers (C.I.F. 7...See more
Sardul Singh Sandhu Director of Centre for Scientific Research & Development (C.S.R.D.), People's Group, Bhopal and is Professor on-lien from Rani Durgawati University, Jabalpur. He has meticulously researched on various fields of Biotechnology and has shared his vast experience of molecular biological techniques to create this book. His area of research involves Biotechnology, Molecular Biology and applications of Biotechnology in Medical Science. He has published 74 research papers (C.I.F. 7.8 and C.C. 58) and 6 articles in national and international journales of repute. He has also completed 10 research projects funded by UGC, MPCST, CSIR, DBT and DST. Prof. Sandhu has been honoured with National Biotechnology Associateship, 1995; Post Doctoral Overseas Biotechnology Associateship, 1999 by D.B.T., Govt. of India, UNESCO Biotechnology visiting Professorship for visiting Australia in 1999, "Vishista Seva Padak" by Gurmat Mission, Central Circle, India in 2000, TWAS/CNPq/RETOREA Associateship from Italy and Brazil, in 2000, 2002, 2003, 2006 for visiting different universities and institutes in Sau Paulo, Brazil, and "Prof. Y.S. Murty Young Scientist Gold Medal Award" by IBS in 2000. He has also been honoured with "Award of Excellence (Praveenta Samman)" in 2005 by Hon'ble Vice Chancellor, R.D. University, Jabalpur. He has guided more than 30 students for M.Phil. & M.Sc. and over 20 for Ph.D. Prof. Sandhu also worked as a Visiting Professor and Scientist at Monash University, Australia; I.A.C., Brazil; FMRP, University of Sau Paulo, Ribeirao Preto, Brazil and St. Andrew's Fife University, Scotland. He is member of many leading associations and societies and is the founder Secretary of Shri Guru Har Gobind Society for Rural Biotechnology Management, Jabalpur. See less
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