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April 27, 2004
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Mayor Krajewski called the Workshop meeting of the Village Council of the Village of Downers Grove to order at 6:30 p.m. in the Council Chambers of the Village Hall.
Present:Mayor Brian Krajewski; Commissioners Marilyn Schnell, Sue McConnell, Martin Tully, Mark Zabloudil, Ron Sandack, Stan Urban; Village Manager Riccardo Ginex; Staff Attorney Ann Marie Perez; Village Clerk April Holden
Absent:Village Attorney Enza Petrarca Visitors: Press: Lyn Niemann, Chicago Tribune; Kevin Stahr, Downers Grove Reporter Residents: Diana Jacobs and Ted Barlas, Hilb, Rogal & Hobbs, Schaumburg, IL; William Waldack, 1409 Willard Place; Andrew Clark, 1226 62nd Street; Christine Fregeau, 1918 Elmore Avenue; Judy Sidrys, 5223 Lee Avenue; Joe Sterr, 1126 Grove Street; Tom Julian, DG Chamber of Commerce; Dave Humphreys, 4221 Saratoga; Gordon Goodman, 5834 Middaugh Staff: Dennis Burke, Risk Manager; Dorin Fera, Traffic Engineer, Public Works; Mike Baker, Assistant to the Village Manager; Dave Van Vooren, Deputy Village Manager; David Barber, Director, Public Works; Bill Porter, Code Services Enforcement Officer; Mike Millette, Assistant Director, Public Works
Mayor Krajewski explained that Council Workshop meetings are held the second and fourth Tuesdays at 6:30 p.m. The meetings are video taped live and for later cable cast over cable channel 6.
The Workshop meeting is intended to provide Council and the public with an appropriate forum for informal discussion of any items intended for future Council consideration or just for general information. No formal action is taken at Workshop meetings.
The public is invited to attend and encouraged to comment or ask questions in an informal manner on any of the items being discussed or on any other subject. The agenda is created to provide a guideline for discussion.
1. Parking Deck Update. Manager Ginex said Mike Millette, Assistant Director, Public Works would report on this item.
Mike Millette , Assistant Director, Public Works, said he and Sara Davis were here to update the Council on the progress of the parking deck. He said the bid amount for the deck is $11.7 million and the budgeted amount is $12.5 million. Change Orders to date are less than $100,000.00 or 1% and we are well over halfway done with the facility. He noted that there has been confusion with the rock. He said the change order for the removal of the rock will be approximately $2,000.00. There will be more change orders, one being an option the Council will have the opportunity to decide upon.
Sara Davis , owner's representative, said the deck is moving along more quickly with the more consistently better weather. She said the deck is one story higher than last month. By next month they should be within one major pour of completing all the substantial concrete work on the deck. Electrical conduit is being installed on the first two levels. Underground conduit for ComEd service is complete. ComEd is scheduled to be at the site next week. Ms. Davis said the site utilities are nearly finished including storm sewers, sanitary sewers and water main work. There have been no great difficulties in the last month.
Ms. Davis said the $50,000 change order for fire protection system has been reviewed. She has asked that Turner look at this again. She expects a working final number within a week.
Ms. Davis said more contaminated soil has been discovered. She said it was always the Village's responsibility to deal with this. The most expeditious manner for handling the contaminated soil issue and to keep the work on the deck moving was to remove the storm sewer installation from Turner's contract and to contract directly with Dawn Companies to do that work. This has been successful. It adds no cost and offers a savings in time.
The project is approximately four weeks behind schedule. One week of delay has been made up. She said they do not have absolute control over the ComEd work.
Mayor Krajewski asked if Turner has agreed to accept $2,000 for the removal of the rock.
Ms. Davis said they have not actually agreed to it but there is a mechanism written into the contract for settling on an amount when the owner and contractor disagree. It goes to the architect's arbitration. That method was used and $2,000 was the number that was arrived at. They are contractually obligated to accept it.
The Mayor asked if there are other pending change order issues.
Ms. Davis said there are approximately $128,000 in change orders under review.
The Mayor said ComEd is scheduled to bury the overhead lines next week. He asked what the impact will be if they do not keep to this schedule.
Ms. Davis said it has already affected progress. ComEd has stated they will be at the site on May 4, 2004. It could set the project back if they do not keep to the schedule.
The Mayor said he would be willing to meet them at the site.
The Mayor asked if the newly found contaminated soil is where the utilities will go.
Ms. Davis said it is although there should not be more digging.
Commissioner McConnell asked if the change in the process regarding the contaminated soil and water main installation is cost neutral. Ms. Davis said it was and that all the parties have agreed to the new procedures. Ms. Davis said there are additional costs in the actual soil remediation.
Commissioner Schnell asked when the precast panel installation would begin.
Ms. Davis said it would be approximately June 1 or four weeks after the utility lines are underground.
Commissioner Schnell asked how long it would take to put up the panels.
Ms. Davis said it would take eight weeks. She said the current schedule shows a completion date of July 28 at which time the garage will be open for use for public parking.
Commissioner Tully asked about the total cost of the scope of storm sewer work removed from Turner's contract.
Ms. Davis said it was approximately $180,000.00 with small percentage add-ons.
2. Bids:
Traffic Sign Blanks. Village Manager Rick Ginex said a Call for Bids was mailed to seven vendors. Two vendors submitted bids. Vulcan Aluminum, Inc. is the low bidder. This item is budgeted for approximately $11,000.00.
b. Traffic Sign Materials. Manager Ginex said a Call for Bids was mailed to five vendors and one vendor, 3M Company, bid on this contract. He said 3M currently holds the 2003/04 sign materials contract. Staff recommends approving 3M Company as the 2004/05 contractor for Traffic Control Sign Materials.
c. Mosquito Abatement. Manager Ginex said the Village uses Clarke Environmental Mosquito Management, Inc. as its contractor for the mosquito abatement program. This is a sole source contract. This would extend the 2002/03 contract for the final time. The contract extension is a 2% increase over last fiscal year.
West Nile Virus was still a major problem in 2003. Experts do not know what to expect this year.
The Village's mosquito abatement program focuses on eliminating mosquitoes in their larvae stage by treating ponds, streams and catch basins with chemicals. Adult mosquitoes are controlled with Village-wide spraying. The Village has budgeted for three sprayings in 2004/05.
Mayor Krajewski asked if Clarke is the only mosquito abatement firm in DuPage County.
Bill Porter , Code Enforcement Officer, said they are the only firm that can meet our specifications.
d. Construction Castings, Frames & Grates. Manager Ginex said Public Works requested bids from four different vendors and received bids from two vendors.
Staff is recommending approving the bid from Neenah Foundry Co. for $14,127.00 for construction castings, frames and grates.
Commissioner Tully asked about the types of grates.
David Barber , Director, Public Works, said there are various types of grates including square and round to catch basin and inlet water. This contract provides a surplus of supplies.
e. Uniform Bid – Public Works. Manager Ginex said RFPs were sent to five vendors. Two were received by the deadline. Staff is recommending awarding contracts to both North Shore Uniform Service and Full Life LLC for items outlined in the bids.
Commissioner Schnell asked if there would be timing problems.
Dave Barber , Director, Public Works, said because the contracts are divided by garment type there should not be a problem. In further response to Commissioner Schnell, Mr. Barber said employees will work through Mr. Tucker. Individual employees will not have to go to two vendors.
f. Insurance Bids – Waive the One-Week Waiting Period. The Manager asked Dennis Burke, Risk Manager, to address this item.
Dennis Burke , Risk Manager, said this is for insurance renewals for 2004/05. He asked that the Council waive the one-week waiting period to approve these quotes tonight.
Mr. Burke reviewed the process for the insurance renewals. During the week of January 26, 2004, five brokers were interviewed to consider their viability to represent the Village in the insurance renewal process. The Finance Committee, on February 3, 2004, recommended Hilb-Rogal & Hobbs (HR&H) and Mesirow Financial to pursue insurance quotes for the Village's insurance program covering General & Auto Liability and Property Insurance. The Committee selected which markets the two brokers were specifically assigned. At this meeting, it was also recommended that Custard Claims management pursue renewal quotes for Excess Workers Compensation insurance as the Village's Third Party Claims Administrator. The brokers made their presentations on April 7, 2004 and the Finance Committee received the proposals on April 13, 2004. Mr. Burke said he distributed packets to the Council outlining the expiring insurance plans and the proposals.
Mr. Burke reviewed the quotes. He requested the Council approve the coverage proposed by Hilb-Rogal & Hobbs for the first layer of $10 million of excess liability with C.V. Insurance Co. for a premium of $130,650.00. The recommendation for the second layer of $20 million after the first layer of $10 million is with Westchester Insurance Co. for a premium of $70,000.00. The property insurance recommendation is for Chubb Insurance Co. for $37,330.00. The HR&H service fee is $20,000.00. The premium for terrorism coverage is $1,307.00. Taxes and fees total $2,857.00. The total quote submitted by HR&H for the insurance coverage for 2004/05 for Excess General & Auto Liability, Employer Liability Errors and Omissions, Property, Crime and Terrorism insurance is $262,144.00.
Custard Claims Management Services is the broker for excess workers compensation insurance. The Finance Committee selected Custard Claims to go out for quotes to renew coverage for 2004/05. Safety National Insurance, the incumbent carrier, quoted a renewal premium of $63,000 with a self-insured retention (SIR) of $350,000.00. He recommended the Council accept this quote.
Mayor Krajewski asked that staff look at a second vendor for workers compensation next year.
Ted Barlas , Hilb-Rogal & Hobbs, said his firm does workers compensation in Molene. Safety National Insurance does the majority of the workers compensation coverage, but there are other companies.
The Mayor asked if there was a commission on the property and liability insurance coverage.
Mr. Barlas said there was no commission, only the service fee.
The Mayor asked about the replacement costs for Village property and equipment.
Mr. Barlas said they could give a guesstimate. He also noted the Village has blanket coverage.
The Mayor asked about the Westchester insurance quote in the Mesirow presentation book.
Diana Jacobs , Hilb-Rogal & Hobbs, said HR&R was the Broker of Record assigned to this underwriter. As a result of this error, HR&R ended up with a lower premium than the other broker had.
The Mayor asked to see the listing of all the companies the brokers went to market with and either their quotes or indication of their decline to quote.
Mr. Burke said he supplied that information to the Council before the meeting.
The Mayor asked how the staff determined who got which market.
Mr. Burke said the brokers were asked this during the interview process.
Commissioner Schnell asked why there was such a huge difference in prices.
Mr. Burke said HR&R found exactly what the exposure or risk this Village poses to the underwriters in the marketplace. They enjoyed working with the Village last year. They looked at the Village as a good risk.
Mr. Barlas said the insurance market is starting to soften a bit but, due to terrorism threats, it is not as much as it could be based on profits.
Commissioner Schnell congratulated staff on bringing this in under last year's premiums.
Mr. Burke said quotes will not be released until 30 days less expiration of the current policies, which in our case is no sooner than April 1. The brokers then have a couple of days to negotiate with the underwriters. This was then presented to our Finance Committee, which led to the request to waive the one-week waiting period to approve these bids.
The Mayor said he heard that Naperville had quotes two months ago.
Mr. Barlas said companies will release figures but not a firm quote with final premiums until 30 days before a policy expires.
Commissioner Tully asked if, during the course of this process, there were recommendations as to additional or different coverage irrespective of costs.
Mr. Burke said they looked at exposure of police, fire, emergency responders, and transportation. Questions about water supply in contaminated areas came to light. There was no recommendation for additional or different coverage.
Commissioner Tully said he appreciates the process but said he has a strong preference to avoid waiving the one-week waiting period.
The Mayor asked if the Village could get a separate umbrella policy for the transportation system.
Mr. Barlas said if the transportation system were separated out, it would probably not result in a savings as it is an adverse risk. Further, there might be a legal way to go after both limits.
The Mayor asked whether HR&R could be competitive with Workers Compensation.
Ms. Jacobs said they could try.
Mr. Burke said he intends to go out to other brokers next year as this is the end of the two-year period for Workers Compensation insurance.
Commissioner Tully asked if there was an assumption that there would be a bus charter service.
Ms. Jacobs said that because there is a charter service now, it was assumed it would continue. She said they would have to negotiate this with the underwriter.
Deputy Village Manager Dave Van Vooren said there was still exposure as the buses would still have a commuter operation. The intent is to have a bus service next year and they will still have exposure.
Commissioner Tully said there are two components to the buses: in-town and charter. He asked what the impact would be on the premiums if the charter service were eliminated.
Mr. Barlas said he would have to get this information from the underwriter. He said it would probably reduce the premiums but he did not know by how much.
g.Undergrounding of Overhead Utilities – Part B – Project #09-04. Manager Ginex said Part A of the undergrounding of Overhead Utilities was awarded in March 2004. All conduits for each of the utility companies, ComEd, SBC , and Comcast were installed in preparation for the undergrounding of said utilities. Only one bid, from Lyons/Pinner Electric Company, was received for the Undergrounding of Overhead Utilities, Part B. The amount of the bid was $98,900.00. It is 1% below the engineer's estimate.
This work involves furnishing and installing new secondary electrical services to buildings on Main Street, Curtiss Street, and Washington Street bordering the parking deck project site. The work is scheduled to be done between 1:00 a.m. and 4:00 a.m. The contractor will be required to mobilize multiple times in order to coordinate each business electrical service transfer with Commonwealth Edison's crews, as not all electrical service transfers can occur at one time.
Commissioner Schnell asked how this would affect the alarm systems of individual businesses.
Mr. Millette said it would be coordinated with VOC and the Police Department.
3.Industrial Revenue Bonds. Manager Ginex said the Village has received a request from Stern Brothers & Co. to use the Village's authorized IRB volume cap to help finance eligible projects in the State. The amount an Illinois Home Rule community can issue for 2004 is currently $80 per capita, for a total of $3,909,520.00 in Downers Grove. Stern Brothers would compensate the Village a fee of at least 1.0% of the volume cap, or $39,095.00.
Commissioner Schnell asked in what budget category those funds would be put.
Deputy Manager Van Vooren said the last time IRB funds were sold the money went into the general fund. He said if the volume cap is not reserved by April 30 the monies revert back to the State of Illinois. These funds do not appear in the proposed budget.
4. HIPAA – Opt Out. The Manager said the Village has elected to opt out of compliance with phase one of the Health Insurance Portability and Accountability Act (HIPAA) since it was passed in 1996. The basis for this was that it was determined that compliance with phase one HIPAA could increase Village health care costs between two and four per cent, an amount that is inconsistent with our cost control efforts. The Village will continue to comply with the requirement of providing certification of health insurance to employees once their coverage with the Village ceases. We will also continue to comply with phase two of HIPAA regarding the privacy rights of individuals and with the practice of annually noticing, in writing, all individuals covered under the Village's health insurance program as well as all new employees being enrolled in the plan.
The Mayor asked if this needed to be acted on this evening.
Staff Attorney Ann Marie Perez said this does not need to be completed prior to May 1.
5.Alcohol Enforcement Agreements – Arbor Park/Autumn Grove. The Manager said the Village executed agreements to enforce Section 15-8 within the Autumn Grove and Arbor Park complexes in 1994. In 1999, the agreement was extended for an additional five years. Both parties have mutually agreed to extend the term of the agreement for another five year period by way of a second addendum.
The Mayor said there are three items on the Active Agenda: The vote on the budget was tabled last week; the IRB and insurance bids were discussed tonight. They will require a motion to waive the one-week waiting period.
The Mayor asked the Clerk to call the roll. All the Commissioners and Mayor Krajewski were in attendance.
1. An ordinance adopting the Fiscal Year 2004/05 budget in lieu of passage of an appropriation ordinance.
Mayor Krajewski said this is the fiscal year 2004/05 budget in lieu of an appropriation ordinance. As provided by law, proper notice has been given, the budget has been available for inspection for at least ten days, and a public hearing was held on April 6, 2004.
Commissioner Tully moved to adopt "AN ORDINANCE ADOPTING THE FISCAL YEAR 2004 /05 BUDGET IN LIEU OF PASSAGE OF AN APPROPRIATION ORDINANCE ," as presented. Commissioner Urban seconded.
Commissioner McConnell extended her thanks to the budget team, the Village Manager, Council and residents for their input and work. She said she felt they have come to a good place. There was good discussion about the buses, which resulted in a good plan of action. She appreciated receiving the document on both the bus strategy for this year and the potential exit plan if needed. Sidewalks have been significantly enhanced in terms of the revenue to be put in that fund. She said she is very pleased with that. The development and redevelopment opportunities are exciting. She is anxious to get going on some of the activities and priorities Council identified in their retreat. This budget should be considered a starting place. It needs to be evaluated on a routine basis and should be considered to be a living and breathing document that can be changed as time and situations change. She said she is excited about zero-based budgeting, looking at the mission statement and the five-year plan. She said Council has a lot of work to do. She will vote for this budget.
Commissioner Tully said this has been a long process and a lot of work. He thanked the residents for participating in the process. He said this is the residents' budget. He would like to see heightened awareness on the part of residents. There have been discussions about how to do that. He said the budget process is never easy as there are always competing interests and balancing them involves compromises. It is an iterative process. There were many changes made throughout the process. He said costs cannot continue to increase the way they have. He agrees with the Mayor and others as to the need to curtail expenses. He said the Village has a low aggregate tax base compared to other communities which is to our advantage, but is no excuse to increase it. This community is not receptive to increased taxes or decreased services. Certain sectors of our revenue stream have not performed as well as they have in the past, primarily sales tax revenue. This calls for a new approach and the Council plans to take a new approach to this process. Commissioner McConnell mentioned zero-based budgeting as one proposed approach. We cannot pick up where we left off last year and simply add and subtract. He said it is necessary to start with a clean plate. The Village needs to do more with less. This will involve the efforts of all. He said the Village has been able to come in under the passed budget historically. Staff will be asked to do that again. He said he will vote in favor of this budget.
Commissioner Schnell thanked the staff for doing an exemplary job of listening to the Council and public and coming in with figures that were well below what was originally presented. Major cuts were made and the early retirement and reorganization that have resulted in dramatic savings. She said the Manager has done his job extremely well to allow the Village to continue to provide services to the residents in a more cost-efficient way. The budget process was painful for the Council. There was considerable discussion about issue and concepts, which was a positive move for the Council and community. She encouraged residents to get involved in the process earlier as their input is invaluable. She said she is pleased the Council will go to a new style of budgeting next year. This budget addresses the capital projects fund, which takes a priority in this budget. It addresses sidewalks, trees, stormwater, etc. The budget is a compromise and is in the best interests of the community. She said she will vote for it.
Commissioner Sandack said he agreed with most of the comments of his colleagues. He said the process was incremental, very difficult at times, started earlier, and resulted in considerable public input at the end. He said it is incumbent upon the Council to obtain resident participation to the fullest extent possible and as early as possible. He agreed with Commission Tully that this budget is the residents' budget. He also is pleased to try the zero-based budgeting approach. He said the staff is capable of doing this and extended his appreciation to staff. He said the budget is imperfect as it is a product of compromise and based upon realities. Our residents have a disdain for tax increases but a taste for meaningful Village services that the Village has always provided. Balancing those competing interests is difficult. The budget is reflective of many competing interests. He outlined a number of programs included in the budget such as the commuter bus service, trees and pruning, roads, sidewalks, etc. A number of capital projects that have been deferred will be addressed in this budget.
Commissioner Zabloudil said staff did a fine job of creating a budget document. The database was changed allowing the Council to view the budget from a number of scenarios. The challenge was to look at the budget from more of a strategic direction and also entailed a number of discussions about the budget process. The Council spent more time talking strategically this year as to what we should be doing and looking at and how funds should be allocated. He said a zero-based budget will be challenging. He would like to see strategic discussions among the Council continue. Council will need to look at how they allocate the revenues generated within the community to specific expense categories. There are a number of elements that will continue to evolve. It is important to realize that the process requires the ability to change. Village employees are required to look at how they do business. He said the Council has had the cooperation of staff and will continue to need that cooperation. He said he will support this budget.
Commissioner Urban said it has been a learning experience working through this process. He thanked all those involved including residents. The Council participation was also very important. He noted that Council needs to give more direction. He said they need to curtail expenses but not cut services. This budget does not cut services. It is important to increase revenue streams through economic development, specifically attraction and retention of businesses. He mentioned a number of features in the budget including tree planting, sidewalks, the commuter bus service in addition to the Council increasing the reserves in excess of $700,000.00. He said he is in favor of this budget.
Mayor Krajewski said he will not support this budget. He thanked the staff for their work. He said one of the Council goals is a new process for the budget. He said it should be less stressful for staff. He said he agrees with Commissioners Tully and Urban that expenses have to be curtailed. He said the reserves have been spent down and the Council raised taxes by over $1 million this year. He said staff projects coming in at 98.5 % of budget this year. Taxation needs to stop and expenses need to be curtailed without cutting services. The Council needs to look at reallocating where money is spent. The number one complaint logged into the Community Response Center (CRC) concerns property maintenance and code enforcement. He said he would have supported putting resources there and yet we are not. He said the second most frequent call to the CRC has to do with tree pruning and money is being put there. He said he is encouraged about the money put in the capital projects fund. Further, all three committees have agreed to take a look at the five-year capital plan. The Mayor said he agreed with Commissioner Urban regarding the need to increase revenue through attraction and retention of businesses. He said he is encouraged that the Council has agreed to take a new approach to the budget next year.
VOTE :YEA – Commissioners Tully, Urban, Sandack, Zabloudil, McConnell, Schnell
NAY – Mayor Krajewski
Mayor Krajewski declared the Motion carried by a vote of 6:1.
Mayor Krajewski asked for a motion to waive the one-week waiting period to consider new business. Commissioner Urban moved. Commissioner McConnell seconded.
VOTE :YEA – Commissioners Urban, McConnell, Sandack, Zabloudil, Tully, Schnell, Mayor Krajewski
NAY – None
Mayor Krajewski declared the motion carried..
2. Industrial Revenue Bonds.
Mayor Krajewski said this will reserve the entire Village's 2004 Bond Allocation Cap for Stern Brothers, Inc.
Commissioner McConnell moved to adopt "AN ORDINANCE RESERVING VOLUME CAP IN CONNECTION WITH PRIVATE ACTIVITY BOND ISSUES , AND RELATED MATTERS ," as presented. Commissioner Schnell seconded.
VOTE :YEA – Commissioners McConnell, Schnell, Urban, Sandack, Zabloudil, Tully, Mayor Krajewski
NAY – None
Mayor Krajewski declared the motion carried.
3. Insurance Bids.
Mayor Krajewski said this will accept insurance renewal quotes provided by Hilb, Rogal & Hobbs to replace the expiring property, general liability, excess liability and wokers compensation coverages for the Village.
Commissioner Schnell moved to accept insurance bids for Village property, general/excess liability and workers compensation insurance coverages. Commissioner Sandack seconded.
VOTE :YEA – Commissioners Schnell, Sandack, Urban, Zabloudil, Tully, McConnell, Mayor Krajewski
NAY – None
Mayor Krajewski declared the motion carried.
Public Services Committee
Commissioner Tully said the Public Services Committee is tentatively scheduled to meet on Thursday, May 20.
Manager Ginex reported that Dolores Timble, a dear friend and colleague passed away.
Staff Attorney Perez said she was presenting four items to the Council: 1) A resolution to opt-out of compliance with the provisions of the federal and Illinois Health Insurance Portability and Accountability Acts for the Village Health Plan year beginning May 1, 2004; 2) A resolution authorizing a second addendum to an agreement to enforce Section 15-8 of the Downers Grove Municipal Code on the property known as the Arbor Park Condominiums located near the intersection of Belmont Road and Ogden Avenue in Downers Grove; 3) A resolution authorizing a second addendum to an agreement to enforce Section 15-8 of the Downers Grove Municipal Code on the property known as the Autumn Grove Apartment Complex located at 2110 Prentiss Drive in Downers Grove; and 4) A resolution in support of Illinois and DuPage County's Travel and Tourism Industry.
Gordon Goodman , 5834 Middaugh, asked about the Council's retreat, particularly with regard to zoning.
The Mayor said he will give an update on Tuesday. He said the retreat went very well. He said the Council needs to stay focused.
Chris Fregeau , 1918 Elmore Avenue, said it was very reassuring to be part of what the Council's doing. She mentioned the Capital Projects program and the Council's commitment to the residents. She said the Council allows people to be part of the process. She thanked the Council for this and for being responsive to the citizens.
Commissioner Schnell extended her condolences to the Jaros family as Art Jaros's father passed away.
Commissioner Tully extended his condolences to the Timble family. He said they were neighbors for many years and he and his brother went to school with Mrs. Timble's sons.
Mayor Krajewski proclaimed May 6, 2004 as A Day of Prayer in the Village.
The Mayor reported on the drive down to Springfield. He said one of the issues discussed was the release of $540,000 committed to the parking deck. He said the Governor has released other incentives but not this one. He said he met with IDOT regarding the Belmont underpass. He also met with State representatives on this issue. He hopes these conversations will be productive in securing the release of funds.
The Mayor said he is concerned about the RTA taking over Metra and Pace operations, which is also a concern to the collar counties. He thanked the Council for attending the retreat on Friday. He said after a year together as a Council, he thinks next year will be productive. All members of the Council are committed to the residents.
The Mayor asked for a motion to move into Executive Session.
Commissioner Tully moved to go into Executive Session pursuant to Section 2©(1) and 2©(3) of the Illinois Open Meetings Act to discuss personnel. Commissioner Urban seconded the Motion.
VOTE :AYE – Commissioners Tully, Urban, Sandack, Zabloudil, McConnell, Schnell, Mayor Krajewski NAY – None
Mayor Krajewski adjourned the Workshop meeting into Executive Session at 8:00 p.m.
April K. Holden Village Clerk


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Senior Dessert is a time for students, parents, and leaders to remember what God has done through Small Groups, honor the relationships that He has given us, and look forward to what He might build next on the foundation that He has laid. Small Group has been a place for students to be known and accepted, taught about Jesus, and challenged to grow. It has facilitated Christ-centered friendships and a place to belong within the body of Christ. Whether you've been in a Small Group for 7 years or 7 weeks, there's certainly much to celebrate!
- For 2020 Graduates, Parents, and Leaders
- 7:00 pm on Sunday, May 3, 2020
- Watermark Community Church, Stage 2

subset: commoncrawl


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Yes, my galaxy buds are updated. I will try resetting them and I will report back to see it this help. Thank you so much.
I'm having issues with the calls I hear the person perfectly but the other person dont hear me ok they said its sounds like if I'm under the water.
I will be happy to assist you.
What troubleshooting steps have you tried? Have you tried resetting the buds?
Tap About earbuds > Reset earbuds, and then tap Reset.
The call quality on my Galaxy buds is terrible. Ive reset the earbuds, updated firmware, kept them charged and clean. This is apparently a common flaw with the earbuds.
Can someone provide some insight or assistance?
I got my earbuds on September 2019 in Dubai's Airport, and they were working fine (listening wise) then i was surprised when i started to use it recently for calls, i can hear people well BUT people can barely hear me feels like my voice is really FAR & People on the other end of the phone call are hearing loud chirping or chattering noises, they can hear everything in my background and they can't hear my voice.
I have reset the buds & updated and tried everything that I can to fix this but nothing has changed. Please help me.
Can you provide the full model code, serial number and current firmware you are running in a private message? http://bit.ly/2GGYul4
I have the same issue as well. I bought this one in Dec.2019 from Costco. Any solution.
I have the same issue as well, sometime the person on the other line cant here me and hear my background noise and then at times I hear my background noise in my ear, and it's not just with the galaxy buds, I've had the same issue with other bluetooth headphones as well on my galaxy s10 5g, I even have issues when I'm not using bluetooth headphones
There has been updates for weeks now but I think the last one finally did it. Now my family can hear me like my phone is against my face with the buds. Keep trying to update the buds and good luck!
I have recently received my galaxy buds through the mail and have had no issues with them with one exception. The call quality on the party that i am talking to is awful. They go through being able to hear me to not being able to understand anything that I am saying because of distortion in the mic. I have seen other people having similar issues online and was curious if there is a solution to this problem yet? I have updated the buds, wear app, and phone. I have tried resetting the connection between the devices. Any help that you may be able to offer would be greatly appreciated!


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Cape Coral
- Amenities:
- Boating
- Beach
- Direct Water Access
- Resort Lifestyle
Cape Coral, Florida is a city located in Lee County, Florida, United States, on the Gulf of Mexico.
Founded in 1957 and developed as a master-planned, pre-planned community with an area of 120 square miles (310 km2).
Cape Coral is the largest city between Tampa and Miami.The population estimate for the statistical area was 679,513 for 2014. The city is known as a "Waterfront Wonderland", with over 400 mi (640 km) of navigable waterways, Cape Coral has more miles of canals than any other city in the world.
Cape Coral is a large peninsula and is bordered in the south and east by the Caloosahatchee River and in the west by Matlacha Pass. The city of Fort Myers lies across the Caloosahatchee River to the east, and Matlacha and Pine Island lie across Matlacha Pass to the west. Matlacha Pass is home to Matlacha Pass National Wildlife Refuge and the state's Matlacha Pass Aquatic Preserve.
The city features a sandy beach and fishing pier on the Caloosahatchee River at the public Yacht Basin & Club. Cape Coral is home to the SunSplash Water Park, more than 30 recreational parks, and seven golf courses. Cape Coral offers a variety of Gulf beaches within 15 miles, such as Sanibel Island and Fort Myers Beach. The area is known by birding enthusiasts for a wide variety of wildlife and the largest population of burrowing owls in the state of Florida.
Senior activities include: Lake Kennedy Senior Center, Tony Rotino Senior Center and Friendship Centers of Cape Coral.
The city's 400-mile (640 km) canal system provides many residents with waterfront living with access to the Gulf of Mexico via the broad Caloosahatchee River and Matlacha Pass. The Parks and Recreation Department maintains three public boat launching facilities. The Gulf of Mexico provides access to smaller tropical islands, rookeries, and sports fishing grounds.
Cape Coral's cultural assets include the Historical Museum, the Art Studio, the Cape Coral Art League, and the Cultural Park Theater, a 187-seat performing arts facility that serves as home to community actors. In addition, there are several regional arts and performance venues in the immediate area, including the Barbara B. Mann Performing Arts Hall in nearby Fort Myers.
Several parks and ecological preserves allow observation of the local wildlife. Elevated nature trails wind through the mangroves at Four Mile Cove Ecological Preserve. Mike Greenwell founded an amusement park called "Mike Greenwell's Bat-A-Ball & Family Fun Park" that opened in February 1992.
The city holds an annual Independence Day fireworks festival known as Red, White & BOOM!! This is the biggest single-day event in the city and a large July 4 display for Southwest Florida. Red, White and BOOM is presented annually by the Chamber of Commerce of Cape Coral.
Since 1985, the German-American Club holds an annual Oktoberfest, styled after the original held in Germany.The event draws on average 30,000 visitors. The Cape Coral Festival of the Arts is held the second weekend of January every year. The event takes place on Cape Coral Parkway and attracts over 100,000 visitors. Nearly 300 artists and craftspeople from across the nation line the street to make this one of the largest and best attended art festivals in Southwest Florida. Since 1978 the Cape Coral Christmas Boat Light Parade has been held just before Christmas. The annual event features over 100 boats in all types of lighting decorations. The boats traverse the canals in the lower Cape starting at the Bimini Basin and 4 Freedoms Park.
Cape Coral provides a very attractive and affordable lifestyle with a variety of homes and prices. If you are a boating enthusiast on a budget, look no further!
For more information about current homes for sale in Cape Coral, we invite you to contact us.


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At Ipsa Technologies, our mission is to offer worthwhile business-centric IT solutions to SMBs on budget and within time. Whether we are designing a website or just a logo, whether we are striving to get a rank for your website on search engines or creating brand awareness, rest assured to receive exceptional customer care throughout the process. We also look forward to ensuring healthy and long-term relationships with our clients before, during and even after their business goals are met.
Our vision is to grow into a prime performer and achieve the highest standards of service excellence in the field of Information Technology. As a software development and outsourcing company in India, we wish to establish ourselves as the voice of the industry and become a choice, rather than an option when it comes to delivering effective IT solutions to SMBs. In the near future, we look forward to expanding our horizons, creating new benchmarks and setting an exemplary global footprint.
We believe the key to customer satisfaction is professionalism and are committed to it wholeheartedly. We are a knowledge-driven company abiding by the core values of honesty, integrity and reliability. We vow to work with efficiency and accountability and to always maintain dignity of labor within our organization. Our responsibilities cover creating ROI-centric strategies that eventually bring in rewarding results while working on the continuous improvement of our skills and processes.


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Nov 05, 2013 | ISBN 9780451240163
Praise for the Mark of the Vampire series
"Dark, delicious, and sinfully good…an addictive new series. I can't wait for more from Laura Wright."—New York Times bestselling author Nalini Singh
"Wright knows how to lure you in and hold you captive until the last page."—New York Times bestselling author Larissa Ione
"Absorbing and edgy, darkly seductive—everything vampire romance should be!…an enthralling read….Laura Wright turns up the heat and takes you on a wild ride. I can't wait to see what's next!"—New York Times bestselling author Lara Adrian
"Be warned, you will quickly become hooked!"—The Romance Readers Review
"This has been a series I love to read and seem to fall more and more in love with."—Paranormal Reads
"Laura Wright has created an original and extraordinary world, and I am her fan girl for life."—Book Monster Reviews
"The perfect book for anyone who likes sexy, dangerous vampires with dark secrets."—Fresh Fiction
"Complex and riveting."—RT Book Reviews
"Just when it seems every possible vampire twist has been turned, Wright launches a powerful series with a rich mythology, page-turning tension, and blistering sensuality."—Publishers Weekly (starred review)


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PORTLAND, Ore. – The Oregon State women's basketball team shot 52.9 percent from the floor as it defeated UC Santa Barbara 74-49 Saturday evening in the Dam City Classic at the Moda Center in Portland, Ore.
"It was awesome to be up here," said Oregon State head coach Scott Rueck. "I love getting our team to Portland for our fans. It was a great atmosphere in the Moda Center tonight. I thought we fought well, and you have to give credit to UC Santa Barbara, because they just kept coming all night. I'm proud of the effort tonight – this was a great win."
Freshman Aleah Goodman led the Beavers with a career-high 17 points on 5-for-8 shooting from the floor and 3-for-5 shooting from 3-point range. The nation's leader in 3-point percentage, Goodman also pulled down five rebounds and dished out two assists.
Sophomore Kat Tudor went 5-for-7 from the floor to tally 14 points and four assists. Freshman Taya Corosdale went 4-for-5 from the floor in her first career start, finishing in double-figures with 10 points.
Senior Marie Gulich continued her strong start to the season, scoring 10 points on 4-for-6 shooting to go with six rebounds and four blocks. Sophomore Mikayla Pivec filled the stat sheet yet again, recording eight points, seven rebounds, six assists a steal and a block.
As a team, Oregon State shot 56.3 percent from 3-point range. The Beavers provided 23 assists on 27 made baskets.
Corosdale ended the first quarter with a triple to send the Beavers into the second leading 14-7.
Oregon State wasted little time going ahead by double figures in the second, extending the edge to 19-9 before a Gaucho timeout. The Beavers would continue to roll after the media break, extending a 15-3 run to go in front by 17. Oregon State caught fire before the break, hitting on 10 of their final 13 first-half field goal attempts to head to the intermission up 41-18.
The Beavers shot 59.3 percent from the floor in the first half, and 75 percent from beyond the arc.
The two sides traded through most of the third quarter, as the Beavers went to the closing frame up by 25. Oregon State remained in control from there, taking the win by 25.
The Beavers will be back at home on Wednesday, when they host UC Davis at 6 p.m. in their final nonconference game of the season.
Story provided by OSU Athletics.


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with Jason Davis
Jason Davis
Jason Davis is the editorial director for The Planetary Society. He oversees and contributes to the Society's editorial content, including articles, stories, educational web pages, images, infographics, podcasts and videos.
Jason Davis • December 16, 2011
An update on upcoming missions to the International Space Station (ISS).
Jason Davis • November 02, 2011
The Chinese spacecraft Shenzhou 8 docks with space station Tiangong 1, on the same day a Progress resupply capsule arrives at the International Space Station.
Jason Davis • October 07, 2011
Breaking down the futuristic technologies for SpaceX's reusable Grasshopper spacecraft, as shown in a recent promotional video.
Jason Davis • September 01, 2011
The first post-shuttle resupply mission in ISS history got off to a rocky start, as a Russian Progress cargo spacecraft failed to reach orbit, crashing into south central Russia.
Jason Davis • August 15, 2011
An update on human spaceflight, including orbital propellant depots, suborbital test flights and an Orion crew capsule test aboard a Delta IV Heavy.
Jason Davis • July 29, 2011
Private spaceflight company SpaceX has secured tentative approval with NASA to combine its next test flight with an actual ISS docking.
Become a member of The Planetary Society and together we will create the future of space exploration.
Help advance robotic and human space exploration, defend our planet, and search for life.


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Nineteen schoolgirls have been rescued and three pimps arrested following a police raid on a Manila videoke bar.
According to a report on ABS-CBN, the police's Women and Children Protection Center (WCPC) raided Gab's Videoke Bar in Sampaloc district yesterday evening (Thursday, June 21).
Surveillance video showed one of the suspected pimps counting marked money paid by officers who posed as customers. The cash was given in exchange for a girl's "company".
According to WCPC chief Director William Macavinta, police had previously observed the schoolgirls being offered to videoke customers during surveillance operations.
"The girls go to school and work at the club on the side. After their classes, they come here to get clients," he said.
The videoke bar included a stage with a pole for dancing and "VIP rooms" on the second floor.
"Their ages range from 15 to 17, maybe high school students. There are cubicles where what the customer wants can happen," Macavinta said.
He added that the three suspected pimps allegedly preyed on students at the school gate to offer them jobs at the videoke bar.
"They have a "mother pimp" who would contact them to give them customers," he said.
Warning to schoolgirls
The raid has prompted the WCPC to urge school administrators to remind their students not to engage in suspicious activities.
"Trafficking is a growing global concern so we should all take part in addressing it, including concerned authorities, agencies," Macavinta said.
"Report if you have information or indicators that there is something suspicious happening to the child."
He also reminded parents to keep track of where their children go to after school. Some schoolgirls, he said, tell their parents they get home late due to "school activities".


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Last week, we announced the 6 Finalists of our Online Marketing Success Story Competition on our Facebook, Twitter, Google+, Pinterest and Instagram pages. Local businesses and friends of local businesses could submit an inspiring story about online marketing in 25 words or less, which presented just how online marketing can truly enrich the lives of local businesses and help them get more customers online. The verdict is in… and after much deliberation, we are proud to announce the winner…
All Four x 4 Spares has been providing the 4WD community with superior service and cost effective options for over 28 years. During this time, founder and owner Peter Harris has expanded All Four x 4 Group into 3 all-encompassing divisions, Spares, Service and Dismantling. His one-stop shop provide 4WD lovers with a wide variety of new and used stock unsurpassed in Australia, as well as specialised service from highly experienced tradesmen, delivering top quality work whilst keeping costs down.
Peter attributes much of his success to the benefits of online marketing, and it's ubiquitous ability to cost-effectively reach thousands of customers across the country. "Online marketing has helped me acquire more customers from all around Australia, I have customers in each state buying parts, and just over 5600 followers on Facebook recommending the business for service, parts or dismantling to their peers Australia-wide" said Peter.
But none of this would have been possible without the help of ReachLocal's online marketing services. "Online marketing was a topic we originally feared through a lack of understanding" Peter recalled. "But our perception changed when we engaged the experts at ReachLocal. Now, we know that Online Marketing is an opportunity that is critical to our future success".
In the last 12 months alone, sales for the 4×4 spare parts online store have more than tripled, and conversion from visit into leads and sales are at an all time high. Peter added "We've been getting so many quality phone calls from Customers that find us online. And the best part – it is all measurable! We can see the types of leads we're getting, where the leads are coming from, and we even have the ability to connect with our leads so we can reach out to them while the opportunity is still there! And an added bonus is the fact that we can listen to recorded calls to understand and gather insights on our customers, as well as identify training opportunities for staff".
Peter noted "Online marketing has definitely contributed to the growth and success of the business. But even more important to note is that selecting the right online marketing supplier is critical to the overall success of the campaign".
"The most impressive aspect about working with ReachLocal is that they truly want to see fantastic results from using their products and the amount of thought and planning that they put into creating a cost effective and efficient campaign really gives you confidence that you have the right people managing your online activities" said Peter.
For All Four x 4 Spares, ReachLocal is not just an a company they advertise with, but they view ReachLocal as an extension of their business.


text: We all want our businesses to be successful. We want our customers and employees to happy. We want to be profitable and be a force in the marketplace. So what happens when the goals you set forth aren't being reached? What can you do as an executive to refocus and re-energize your group and turn your organization around? Just take a page out of the Boston Red Sox' playbook: They went from last to first in just one season. This year's championship marks the teams' first World Series win at Fenway Park since Babe Ruth played there in 1918. I, along with many other avid Sox fans witnessed the teams' transformation game after game. Watching them has inspired me to craft these clear-cut lessons that you can easily apply to your business or organization:


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Hey guys. My question is pretty much what the title asks.
How would one go about being able to the edit the player sprites (dixie and/or kiddy) in Donkey Kong Country 3? An editor? Something that decompresses the graphics so I can change in yy-chr? Hex editing? How do i do this?


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Search Blog
With over 15 years of experience as a conceptual and lifestyle illustrator, Daniel Mackie is one of the leading illustrators in this field.
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Copyright 2018 - Second Floor Studios & Arts Ltd & Second Floor Studios C.I.C
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This article, King Lance, is the creative property of Jigo22.
|Unknown edit
|Members NPC?
|Quest NPC?
|A Hand to the Future
|Lumbridge Castle
|Sells items?
|Unknown edit
| His Majesty!
|Notable features
|Future King of RuneScape, the strongest human in RuneScape
King Lance is a 17 years old king in Future RuneScape (Year 2006), he wears the almost indestructible King's armour and the Strength Skillcape, and wields the powerful King's sword. He can help you in some quests, and is the central character in the quest A Hand to the Future in which you control him. He is really powerful, as he uses melee attacks with his sword, and magic with his Atomic Impact. Lance, along with other Skillcape wearers form the King's Order, are a group of veterans in combat that help defend RuneScape and the King himself.
|Future RuneScape Characters
|The Good Ones
|Jigo | Treo | King Lance | Peterickton | Jake | King's Order | Drake
|The Baddies
|Outlaw Horde | Lava Clan
| Rebel Paladins | Fisherman's Crew | Guthixian Hunters | Axe Riders
|The King's Order
| King's Order | King Lance | Treo | Paladar | Dianna| Laurie | Aurora
King's Order Saga is by Jigo22
Community content is available under CC-BY-SA unless otherwise noted.


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Since I started exploring my hobbies a little more, I decided I want to create more art. I mainly focus on calligraphy, lettering, and watercolors. Right now, I use the Companion refill from Innovative Journaling with their standard 120gsm/85lb Arches paper for watercolor practice. I use Nanami Paper's Seven Seas 'Crossfield' for calligraphy and larger watercolor paintings. Both are perfectly fine for my sketchbook needs, but since I am a shopaholic, I love looking at other (actual) sketchbooks.
My criteria:
- Watercolor friendly (90lbs+ or otherwise so)
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- Approximately A5 size (8-8.5″ x 5.5-6″)
- Lays flat (hardcover > wirebound > softcover)
- More pages (so it doesn't feel too precious)
Global Art Materials Handbook Journal Co Artist Journal ($16.54 @ Amazon)
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Strathmore Visual Journal Mixed Media ($9.93 @ Dick Blick)
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Stillman & Birn Alpha Series Hardbound ($15.99 @ Dick Blick)
Hobonichi Techo 'Cousin' ($33+ @ 1101.com)


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Tiger Shroff's Comment Leaves Tara Sutaria and Ananya Pandey in Shock on Koffee With Karan
Find out what the handsome hunk Tiger Shroff said about his 'Student of the Year 2' co-stars Tara and Ananya that left the divas mouth open with shock
What makes Koffee with Karan so appealing? Is it the host, the witty and controversial Karan Johar? Is it the unmitigated gossip session that goes on for an hour? Or is it the vicarious pleasure of seeing A-listers crack subtle and not-so-subtle digs at each other, giving rise to entertainment headlines for the rest of the week?
On the latest sneak peek into the next episode of Koffee With Karan, the ace filmmaker and host Karan Johar reveals that the star cast of the upcoming Bollywood film Student Of The Year 2, Tiger Shroff, Ananya Panday and Tara Sutaria will be making their mark on the Koffee Kouch by sharing pictures from their photoshoot and later in the evening, the promos featuring the stunning trio were making headlines on the internet.
Ananya Panday, Tiger Shroff, Karan Johar and Tara Sutaria
Tiger Shroff, Tara Sutaria and Ananya Panday, 'the new students on the block' as filmmaker Karan Johar likes to call them, appeared on the most entertaining and controversial chat show Koffee With Karan season 6. The video clip shared by the channel Star World India sizzled with fun and controversial secrets being revealed. In one of the videos, host Karan Johar asks Tiger Shroff that if he believes that his co-stars Ananya and Tara are fake with each other, to which Tiger responds saying 'Absolutely'. This surely leaves the divas mouth open with shock. Later, the handsome hunk even asks them 'Did you guys (Tiara and Ananya) rehearse and come for the show?', to which the actresses quickly reply saying 'NO!'.
Tara Sutaria also reveals that she doesn't have a crush on Tiger, but Ananya confesses she does! Tara also told Karan that the "other girls" don't seem to like her too much. We wonder why so? When she along with Ananya has clearly painted a very rosy picture for the world.
On the other hand, when Karan asked who takes longer to get ready, in unison the divas replied, 'TIGER'.
In another promo, Karan tells Ananya that a certain section of people question that why is Ananya Panday on the show Koffee With Karan, to which the newbie replies that she agrees with them and that she hasn't done anything as yet to deserve that. Additionally, Tiara reveals that though she doesn't have a crush on the 'current student' but she does on 'an ex-student'. Well, that leaves us with two options - Varun Dhawan and Sidharth Malhotra!
Will it be another controversial episode for Koffee With Karan? Well, we shall wait until next week to find out!


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Unfortunately, it's easy to get busy and forget to make time for your eye exam. You should have an eye exam at least every two years; more frequently if you're at risk for certain vision issues like glaucoma, diabetes, or macular degeneration. No matter how long it's been since your last trip to the eye doctor, you're welcome at the office of Dr. Paul Henriksen
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Eyesight is one of the most precious gifts a person can have. You need to take care of your eyes, and for more than 25 years, Dr. Paul Henriksen has been helping Pipestone-area families do just that.


text:
← Back to Forums
Just got this from Port Authority, so I thought I'd pass it along.
"Allegheny County Department of Public Works (DPW) has notified Port Authority that its prime contractor, Rhino Construction, will close the Ninth Street Bridge beginning Tuesday, October 29, 2013 continuing for approximately three (3) weeks through and including Friday, November 15, 2013. The bridge will be closed to allow the contractor to perform major concrete deck and sidewalk repairs. Originally scheduled and started in September, the work and related closure was cut short to accommodate crowds attending Pittsburgh Pirates playoff games. The bridge will be closed to all motor vehicle & pedestrian traffic at approximately 9:00 AM on Tuesday, October 29, 2013 and will remain so until around late afternoon Friday, November 15, 2013."
The announcement also came with a set of bus stop closures and route detour info, but basically the Anderson (9th on N Side) at Isabella stop is replaced by the Sandusky (7th on N Side) at Isabella stop. If the bus uses that bridge in or out, it's using the 7th St Bridge instead. No stop changes downtown.
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Juniper Green Quilt Cover Set By Logan & Mason
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Blacksburg, VAHome Menu
Conditional Offer
Polygraph Examination
The Blacksburg Police Department may utilize Polygraph Examinations in the selection process as a means of verifying information on applications and background investigations.
Questions asked during the polygraph will address the following areas:
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- Evidence Collection
- Daily physical training
Along with several other topics. For more information about the basic academy, visit CCJA's website at https://www.cardinalacademy.org/Home.


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President John Quincy Adams
1767-1848, American statesman, diplomat, Senator, member of the House of Representatives and 6th President of the United States. He was the son of President John Adams and formed the Adams Political Family, shaping foreign policy, remained committed to republican values, and played a very important role in negotiating the Ghent Treaty that ended the War of 1812. He successfully negotiated with Spain for the annexation of Florida and drafted the essential Monroe Doctrine. He also served as diplomat, U.S. Senator, Secretary of State under James Monroe, Representative, and leading Abolitionist. Here is a letter on Department of State letterhead, dated Dec 13, 1817, to Moses Mard, Esquire, with great content. He says: "Sir: Your letter of the 9th of this month, which was received at this office yesterday, came too late for the proposed instructions to the Commissioners of the United States going to South America, as they had left Norfolk several days before on their mission. I am, Respectfully, Sir, Your Obed. Serv. John Quincy Adams". It is signed by John Quincy Adams, and the verso bears his entire address in his hand: "John Quincy Adams, Secretary of State, Washington, 13 Dec. 1817".


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Sati Pasala: Teacher Training Program – Palinda Nuwara Division, Kalutara District, Western Province
During a mindfulness introduction program at Nissarana Vanaya, 74 participants (Teachers, Deputy Principals and Principals) representing 26 Sinhala Medium schools and 3 Tamil medium schools, Sati Pasala was presented. The participants showed much enthusiasm, the training session was organized at the request of the teachers. The program commenced at 6.00 amRead More


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When A Top Goal Scorer Has A Break-Even Year
This article appeared in The Wall Street Journal on February 13, 2015.
Tampa Bay Lightning center, Steven Stamkos, is one of the top scorers in the National Hockey League, tied for fourth in goals this season entering Thursday's play. But even with the Lightning owning a league-best +35 goal differential (ignoring shootout goals), their leading goal scorer has the same plus-minus rating as the team's equipment manager: 0.
Meanwhile, Tampa Bay's lesser-known line of Nikita Kucherov, Tyler Johnson and Ondrej Palat have a combined plus-minus of +81, placing each of them among the top five in the league. A plus-minus rating measures the net number of 5-on-5 and shorthanded goals scored by a team and against it while a particular player is on the ice.
In the past 20 seasons, only seven players have finished among the top 10 goal scorers in the league and had a plus-minus rating of 0 or below, while playing for a team that ranked in the top 10 in goal differential. Most recently, Jeff Carter of the Los Angeles Kings accomplished this in the 2013 lockout-shortened season. Four of the seven players reached their respective conference final during that season. While each of their team's top lines were merely breaking even at best, their depth players outperformed those of their opponents.
Coincidentally, another young star having a similar season is New York Islanders center John Tavares. Although he is currently tied for eighth in the league in goals, the Islanders actually have yielded slightly more even-strength goals than they have scored when he is on the ice. Tavares may get the star attention, but with his team aiming to win a division title for the first time since Ronald Reagan was president, the Islanders' success, like that of the Lightning, may primarily be attributable to the team's depth.
Top 10 in Goals, +/- Of 0 or Lower, Team Ranked in Top 10 in Goal Differential
|Goals (Rank)
|Team Goal Diff. (Rank)
|Steven Stamkos, TB
|28 (T-4th)
|+35 (1st)
|Jeff Carter, LA
|26 (4th)
|+17 (T-7th)
|Patrick Marleau, SJ
|37 (6th)
|+35 (4th)
|Patrick Sharp, CHI
|34 (T-8th)
|+32 (T-5th)
|Eric Staal, CAR
|45 (8th)
|+28 (10th)
|Bill Guerin, BOS
|41 (T-2nd)
|+35 (T-8th)
|Mike Modano, DAL
|38 (8th)
|+27 (9th)
|Rod Brind'Amour, PHI
|36 (8th)
|+49 (5th)
* Lockout-shortened season
(photo by Michael Miller)


text: Editorial Editorial Creative (RM) Creative (RF) NFL Content NFL AP Content Advanced search Advanced Search X Advanced Search Back to search results 1,467 of 66,518 results Inslee Governors Race Overview Get price Gov. Jay Inslee smiles while speaking with reporters about his plans to run for a third term as governor Thursday, Aug. 22, 2019, in Seattle. Inslee, who has ended his climate change-focused 2020 presidential bid, announced his plans earlier Thursday via email, hours before appearing at a news conference at Planned Parenthood in Seattle regarding the Title X family planning program. (AP Photo/Elaine Thompson) Use Information This content is intended for editorial use only. For other uses, additional clearances may be required. ID: 19234719101608 Creation Date: August 22, 2019 07:59:40 AM Submission Date: August 22, 2019 08:06:17 PM Photographer: Elaine Thompson Source: AP Credit: ASSOCIATED PRESS Resolution: 5472 x 3648 3.24 MB Person: Jay Inslee Subject: Climate change, Environmental concerns, Environment, Environment and nature, Climate change, Climate Location: Seattle, WASHINGTON, UNITED STATES Transmission Reference: WAET104 Byline Title: STF Caption Writer: ET Usage Notes: This content is intended for editorial use only. For other uses, additional clearances may be required. X Message Box Cancel Ok No Yes


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HFC bank is one of the largest banks in Ghana. It has a total of 41 branches around the country. HFC bank is now re-branded as Republic Bank Limited which is a subsidiary of Republic Financial Holdings Limited, a Caribbean company. All the HFC bank branches provide you with all type of facilities including personal banking, digital banking, investment banking, etc. Are you looking to visit a branch of the bank? Don't worry we are here to help you out with the list of the branches of the bank and with some essential information about them. Explore this article for more details related to the bank.
HFC bank is one of the popular banks in Ghana. It started its operations in 1991 and since then HFC has become quite successful in providing quality services to its clients. In this article, we will put forth the important details about the branches of HFC bank including its working hours.
History of the HFC bank
Republic Bank Limited (Ghana) formerly known as HFC bank initially operated as a financial institution giving mortgage loans. It implemented the IDA/SSNIT pilot programme for providing housing finances in Ghana. HFC (Republic bank) was integrated on May 7th, 1990 into the Ghana Companies Code, 1963 (Act – 179) as a private limited company. The bank started its operations on December 2nd, 1991. On 1st August, 1994, it was licensed as a non-banking financial institution by the Bank of Ghana. Finally on November 17, 2003, the bank was honored with the license of universal banking, thus, emerging to operate as a fully grown universal bank. On 13th May, 2015, HFC bank (presently Republic bank) officially became the subsidiary of the Republic Financial Holdings Limited. The parent group is the major bank in the entire Caribbean region having its headquarters in Trinidad and Tobago. Recently, in the month of April, 2018, HFC bank got itself renamed to Republic bank.
In the year 2007, HFC bank was appointed the manager of the Government sector employee's Housing scheme which was formed by our government and the HFC bank. Under the scheme, Republic bank has invested on more than 350 mortgages.
It has formed some strategic alliances with the neighboring countries in the entire West African region like Liberia, Sierra Leone, Gambia and Nigeria. In the year 2008, it helped Sierra Leone in order to build up a mortgage financing company in their country along with the assistance of NASSIT (National Social Security and Insurance Trust) and Sierra Leone's National Pension Fund.
All of the HFC bank branches provide the facilities of private banking, corporate banking, institutional banking, investment banking, mortgage and many more. The bank is well equipped with all type of e-banking (digital banking) services along with the quick money transfer facility.
READ ALSO: HFC Bank Launches New Suite Of Deposit Services
Republic Financial Holdings Limited
Republic Financial Holdings Limited is the most profitable and the largest private sector bank in the Caribbean. They have been operating there for more than 180 years and in the year 2016, the company was rated with the BBB+ by the credit rating agency – Standard and Poor.
Republic Financial Holdings Limited has many banks as its subsidiaries operating in various parts of Africa. Some of them are – Republic bank limited (Guyana), Republic bank limited (Barbados), Republic bank limited (Grenada), Republic bank limited (Ghana, previously HFC bank) and many more subsidiaries like above.
In total, the bank has 16 subsidiaries in Ghana, Suriname, Barbados, Guyana, Trinidad & Tobago, Cayman Islands and Grenada.
HFC bank Ghana governing body
The governing body of the bank comprises of 8 members and they are:
- Charles William Zwennes (Chairman)
- Anthony Jordan (Managing Director)
- Nigel Baptiste (Director)
- David Dulal-Whiteway (Director)
- Michael Addo (Director)
- Ebenezer Tetteh Tagoe (Director)
- Paul King Aryene (Director)
- Beatrix Ama Amoah (Company Secretary)
READ ALSO: List of new banks in Ghana
HFC bank branches in Ghana
HFC bank has a total of 41 branches all over Ghana. Here, you will get to know everything about the HFC branches along with the locations, branch codes and contact information. Have a look at the list of the HFC branches in Ghana.
HFC bank branches in Accra
Firstly, we will start with the HFC branches in Accra including all the essential information about them.
READ ALSO: List of Banks in Ghana 2018
Other branches of HFC bank
In this section, you will get to know about some of the other HFC bank Ghana branches along with its location, contact information and the working hours. Here, you will get the details of bank's branches outside Accra.
READ ALSO: Best Investment Banks in Ghana 2018
Hope, you like this post which provides you with everything about the HFC bank branches including its locations and contact information.


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All readied for another day out on the road in full British luxury, this Bentley Flying Spur is definitely up for the moment after receiving our custom-tailored finish! With its high gloss surface and amazing stone chip resistance, ClearGuard™ Nano SR clear automotive protection film is designed to provide the highest levels of protection!
Our flagship clear automotive paint protection film has always stood out for its strength and durability! An industry leading product that also offers numerous other features and packaged with a super high gloss finish! One of the key features we have not often spoken of is its High Formability.
Every car is defined by its lines. The appearance of each panel as it captures the light is what reveals a cars key design elements. It's at moments like these that we pay attention to every detail of a vehicle. A flawless and seamless finish is what we expect when a car is presented to scrutiny of car aficionados. But… shock and horror… gaps, lines and seams appear! The presentation has clearly failed and everyone goes home talking about a car with a messed up paint protection film installation.


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Touch Detective 2 1/2 Stage Demo
You don't want to miss out on this stage demo from GameSpot's E3 2007 coverage.
Touch Detective returns with wacky new adventures and a fresh coat of paint, but the frustratingly esoteric puzzle design is the same as before.
Valve's long-anticipated shooter compilation hits shelves alongside Puzzle Quest on XBL, Folklore on the PS3, the ceramic-white PSP Slim, and NeoGeo's debut on Nintendo's VC.
You don't want to miss out on this stage demo from GameSpot's E3 2007 coverage.
We investigated the Atlus booth at this year's E3 to gather a final hands-on preview of this quirky adventure sequel.
Publisher also reveals Touch Detective sequel, pair of DS rhythm-based games set for release later this year.
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Applications are at the bottom of this page, fill one out today to get started! Questions? Email email@example.com.
Why Foster?
The primary reason for foster care is to provide temporary homes for dogs and cats due to overcrowding in the shelter, or to assist animals whose current conditions are not manageable in a shelter setting. Foster care is needed for animals who are healthy, sick, injured, or too young for adoption. The Animal Care and Control Team (ACCT) receives more animals than can be accommodated in the shelter, so moving them into foster homes not only saves their lives, but also the lives of those who take their places. Fostering a shelter animal is a wonderful, rewarding experience, but can also be time consuming and hard work.
What It Takes…
Although previous fostering experience is not required, the ideal foster care provider will have basic knowledge of animal care and training, as well as a desire to find their foster animal a safe, loving forever home. As a foster parent, you will provide your animals with care including food, water, shelter, litter, training, grooming and trips to ACCT to get medical treatment when necessary. Depending on what you are fostering, foster parents may also be responsible for finding adopters for your foster animal(s) – but we can help!
What You Get…
ACCT provides basic vet care, behavior and training resources, and adoption counseling and support as needed. New foster parents receive a Foster Care Manual with tons of information. Also, donations of food, treats, toys and litter are often available for free to foster parents. ACCT also invites all foster parents to showcase their animals at our weekly adoption events, and hosts foster animals' biographies on Petfinder.
How Long…
The length of foster care commitment varies widely based on each animal. Some foster animals may only need a couple weeks of foster care while other foster animals may need many months of foster care. The length of time can depend on the animal's age, medical status, or adoptability. For long term foster, foster animals stay in their foster homes until they are adopted out, so marketing your foster animal is an important factor in the length of commitment.
Where to Start…
Please visit the ACCT Life Saving Department any day – the sooner the better! – between 1pm and 7pm on weekdays 10am and 4pm on weekends and holidays to fill out an application and meet the many wonderful dogs, cats and kittens in need of foster care. All resident dogs and cats must be up to date on vaccines in order to foster, as well. If you are interested in fostering a dog long term and have dogs or children under 16 at home, you must bring them to make sure we have the best possible match for your situation.
Foster applications can typically be approved while you wait, so be prepared to leave with an animal same day! For fostering cats and kittens, please bring a carrier if you have one (a cardboard one can be provided). For fostering dogs, please bring a leash if you have one (a temporary leash can be loaned). While cat fosters usually can be processed the same day, dog fosters may need to schedule an appointment for a future date. Some types of dog fostering (short term, medical) are on an as-needed basis where ACCT Philly staff will post when a dog foster is needed.
How to Foster Dogs through ACCT Philly
It's super easy! We've moved to an open hours format, which means you can have your application processed in person and leave with a foster dog that day. Please take a look at the Canine Foster Program Overview before heading in. Our Adoptions Office processes foster applications on a first come, first serve basis 1pm-7pm (1-4pm for day trips) on weekdays & 10am-4pm (10am-1pm for day trips) on weekends and holidays.
You can also fill out our Canine Foster Application online to get started now.
How to Foster a Cat through ACCT Philly
The Feline Foster Care Program is one of the many life saving arms of the Animal Care and Control Team of Philadelphia. The primary reason for foster care is to provide a temporary home for a potentially adoptable animal whose current condition is not manageable in a shelter setting, or to relieve overcrowding in the shelter. Although previous fostering experience is not required, ideal foster care provider will have basic knowledge of animal care and training and be committed to finding their foster animal a safe and loving "forever home"!
You can now apply on the web! Simply visit one of the following links and complete the application process online.
Online Foster Application – Cats
You can still print out a hard copy to fill out prior to visiting the shelter. See below for PDF versions of our foster care application.
Print Foster Application – Cats
Come down: 1 p.m. – 7 p.m. weekdays and 10 a.m. – 4 p.m. on weekends and holidays to the ACCT Life Saving Department at 111 W Hunting Park Ave, Philadelphia, PA 19140
Call: Anytime! 267-385-3800 ext. 500
Email: email@example.com
***In keeping with our lifesaving mission, ACCT Philly does require any cats or dogs a foster care provider owns to be spayed or neutered, assuming the animals are healthy and old enough to be safely altered. The animals should also be up to date on all age-appropriate vaccinations.***


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The Hawk and Wimpy Open: Golf with Ken "Hawk" Harrelson and Tom "Wimpy" Paciorek for August of 2019
- Winning Bid: $2,550.00
|Number of Bids:
|13 (Bid History)
|Bid Increment:
|Quantity Available:
|Listing #:
|Open Date:
|Jul 18, 2019 10:00:00 AM EDT
|Close Date:
|Jul 24, 2019 10:00:00 PM EDT
|Listing Type:
Name Date Bid user-10273111WINNING Jul 24, 2019 09:47:03 PM EDT $2,550.00 sam1938 Jul 24, 2019 09:40:16 PM EDT $2,525.00 user-10273111 Jul 24, 2019 09:03:00 PM EDT $2,500.00 sam1938 Jul 24, 2019 09:38:38 PM EDT $2,500.00 sam1938 Jul 24, 2019 09:37:45 PM EDT $2,100.00 sam1938 Jul 24, 2019 09:36:24 PM EDT $2,050.00 sam1938 Jul 24, 2019 09:35:45 PM EDT $2,000.00 sam1938 Jul 24, 2019 09:35:08 PM EDT $1,575.00 sam1938 Jul 24, 2019 08:44:27 PM EDT $1,525.00 user-10273111 Jul 24, 2019 08:16:00 PM EDT $1,500.00 sam1938 Jul 24, 2019 08:44:07 PM EDT $1,500.00 sam1938 Jul 24, 2019 08:43:26 PM EDT $825.00 caseyray02 Jul 24, 2019 04:19:59 PM EDT $775.00
Item DescriptionBid now to show off your skill on the golf course with White Sox legends Ken "Hawk" Harrelson and Tom Paciorek! You and a guest are sure to get more than you bargained for in White Sox talk. You'll play nine holes and enjoy lunch afterwards!
This experience is for two (2) guests at a Chicago or neighboring golf course in August of 2019. This experience includes nine holes of golf and lunch post golf. It includes four (4) Gold Box tickets for a mutually agreeable game date in 2019.
Auction Details
Shipping Rates
Please allow 4-6 weeks for delivery. You will receive a separate tracking email once your order ships.
Shipping charges will be added to the final bid price of each item. The shipping rates are:
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Shipping Information
A valid shipping address is required for all deliveries. We regret that we cannot deliver to P.O. Boxes or Rural Routes. For all White Sox Auction listings, a signature is required upon delivery, please ensure that someone is at the delivery address to accept and sign for the package during regular business hours. Regular business hours are 9am to 5pm EST, Monday to Friday.
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MLB.com Auctions accepts Visa, Mastercard, Discover, American Express and PayPal only. PayPal can only be accepted for "Buy Now" purchases; we do not accept checks, money orders, or any other payment methods.If you are the winning bidder, the card you entered to bid will automatically be charged for this purchase. If you are a returning user please make sure that your credit card information is updated before bidding. As a courtesy we will attempt to contact you if your credit card is not processed successfully, but should it fail we reserve the right to cancel the transaction.
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Customer Service
If you have a question about product, payment, or shipping status please click here to contact us, Major League Baseball Auction Customer Service representatives are available to assist you Monday through Friday, 9 AM - 6 PM EST. If you have questions about bidding, bid retraction, auction format, or registration please consult our Frequently Asked Questions section which may help answer your questions and clarify many of our policies.


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Who we are
Dr. Shaver is the founding father of the Shaver breed, which has a long history of more than 70 years. Our goal is to deliver a highly efficient bird with superior egg production to our customers. With strong Canadian roots, we are proud to provide trusted performance. Our products are efficient with a low feed intake, which is why Shaver is known as the money maker. Find out more about the development of this remarkable brand.
From humble beginnings to worldwide success
Starting in a backyard in Canada in 1932, Shaver hens have today become a leader in profitability for egg producers around the world.