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Deutsche Bank reports second quarter 2014 income before income taxes of EUR 917 million
Group results
- Income before income taxes (IBIT) of EUR 917 million, an increase of 16% from 2Q2013
- Core Bank IBIT, which excludes the Non-Core Operations Unit (NCOU), of EUR 1.5 billion, up 2% from the prior year period
- Net revenues of EUR 7.9 billion, down 4% year over year largely reflecting lower revenues in NCOU
- Noninterest expenses of EUR 6.7 billion, down 4% from 2Q2013
- Adjusted cost base of EUR 5.7 billion, down 3% from 2Q2013
- Post-tax return on average active equity (RoE) in 2Q2014 of 1.6% for the Group and 4.9% for the Core Bank
Capital and de-leveraging
- Common Equity Tier 1 (CET1) ratio of 11.5% on a fully loaded Capital Requirements Regulation (CRR)/Capital Requirements Directive 4 (CRD4) basis at quarter end
- Fully loaded CET1 ratio benefited by 250 bps from successful EUR 8.5 billion capital raise during the quarter
- Phase-in CET1 ratio of 14.7%
- CRD4 fully loaded leverage of 3.4%
- Leverage ratio also benefited from EUR 3.5 billion issuance of Additional Tier 1 (AT1) capital during the quarter
- Risk-weighted assets (RWA) on a fully loaded CRR/CRD4 basis of EUR 399 billion, 7% higher than 1Q2014
Segment results
- Corporate Banking & Securities (CB&S) 2Q2014 IBIT of EUR 885 million, 17% above 2Q2013 reflecting a 1% decline in revenues, largely due to lower net revenues in Equity Sales & Trading, offset by a 7% decline in noninterest expenses
- Private & Business Clients (PBC) IBIT of EUR 403 million was down 21% from prior year largely reflecting non-recurring gains in the prior year period
- Global Transaction Banking (GTB) IBIT of EUR 228 million declined 29% from 2Q2013, largely driven by a litigation related charge
- Deutsche Asset & Wealth Management (DeAWM) IBIT was EUR 204 million, up from EUR 80 million in 2Q2013 on 9% growth in revenues and 3% lower noninterest expenses; net new money of EUR 11 billion
- Non-Core Operations Unit (NCOU) loss before income tax was EUR 580 million compared to EUR 672 million in 2Q2013, as the current quarter included a loss of EUR 314 million in revenues from debt refinancing restructuring of Maher Terminals
Deutsche Bank (XETRA: DBKGn.DE / NYSE: DB) today reported results for 2Q2014. Group net revenues of EUR 7.9 billion declined 4% from the prior year while noninterest expenses fell 4% to EUR 6.7 billion. Income before income taxes was EUR 917 million in 2Q2014, 16% higher than 2Q2013 largely reflecting a 4% decline in noninterest expenses, particularly lower performance related expense, and lower provisions for credit losses.
Jürgen Fitschen and Anshu Jain, Co-Chief Executive Officers, said: "Deutsche Bank delivered a quarter of strong underlying performance with pre-tax profit up 16% year-on-year. In the first six months of 2014, Core Bank adjusted profits were EUR 5 billion, despite a tough operating environment and continued investments in our businesses as we implement Strategy 2015+."
They added: "All our core businesses contributed to this result. In particular, Corporate Banking & Securities delivered robust revenues, growing profits, and for the second consecutive quarter, strong relative performance, regaining its top-3 position in global fixed income and capturing our best ever market share in corporate finance. In addition, Deutsche Asset & Wealth Management more than doubled pre-tax profits versus the prior year quarter, improved revenue quality, and attracted its best net money inflows since 2010."
They concluded: "These results reflect progress with Strategy 2015+, which we reinforced with two capital raises in the quarter. Nonetheless, our environment is complex. The world's economies are growing at different speeds, and this may cause differences in the pace at which interest rates normalize, creating opportunities; however, emerging geopolitical events in Ukraine and the Middle East may impact financial markets and our clients, and we continue to adapt to a fast changing regulatory framework. We remain committed to working systematically through our strategic agenda and, with enhanced capital strength, we face these challenges with greater confidence."
Group Results (Table 1)
Adjusted cost base (Table 2)
Group net revenues in 2Q2014 decreased by 4%, to EUR 7.9 billion, compared to EUR 8.2 billion in the prior year quarter.
CB&S revenues in 2Q2014 were EUR 3.5 billion, down 1% from 2Q2013. This was mainly attributable to a 11% decline in Equity Sales & Trading revenues, being largely offset by a 10% growth in Origination & Advisory revenues.
PBC revenues in 2Q2014 were 3% lower than 2Q2013. The decrease was primarily driven by non-recurring items related to Postbank that occurred in 2Q2013. Excluding the effect of those items in the prior year period revenues were relatively unchanged.
GTB revenues of EUR 1.0 billion were unchanged compared to 2Q2013 as revenue growth in Trade Finance and Trust & Securities Services offset the absence of a gain from the sale of Deutsche Card Services in 2Q2013.
DeAWM revenues increased by 9% to EUR 1.1 billion from 2Q2013, reflecting mark-to-market movements related to Abbey Life policyholder positions, which are offset in noninterest expenses. Excluding the impact of Abbey Life, revenues were unchanged from the prior year period.
NCOU revenues in 2Q2014 were negative EUR 44 million, a decrease by EUR 322 million from 2Q2013. This decline was primarily due to the realisation of EUR 314 million in accumulated losses triggered by the restructuring of Maher Terminals' debt financing.
Compared to 1Q2014, net revenues decreased 6%, or EUR 532 million. This was mainly attributable to a 25% decline in Debt Sales & Trading revenues, partly offset by a 30% growth in Advisory & Debt Origination revenues. Additionally, revenues were lower in PBC, driven by a subsequent 1Q2014 gain of sale closed in a prior period, and in NCOU, reflecting the aforementioned loss from debt refinancing restructuring of Maher Terminals.
Group provision for credit losses declined 47% in 2Q2014 to EUR 250 million compared to 2Q2013. This reduction reflects lower provisioning in NCOU, good credit quality in the German retail portfolio and the non-recurrence of large single items in 2Q2013.
Compared to 1Q2014, provision for credit losses were unchanged in the current quarter.
Group noninterest expenses fell 4% from 2Q2013 to EUR 6.7 billion. Non-Compensation expenses of EUR 3.7 billion were 1% lower than 2Q2013. Compensation and benefits in 2Q2014 was EUR 3.0 billion, 7% lower than 2Q2013. This primarily reflected lower performance related compensation, mainly in CB&S. The adjusted cost base, which excludes the impact of litigation, cost-to-achieve (CtA), policyholder items and other items, declined 3% to EUR 5.7 billion primarily as a result of the lower compensation expense.
Compared to 1Q2014, noninterest expenses grew 4%, or EUR 227 million. Non-Compensation expenses increased 19%, reflecting litigation related charges in the current quarter. Compensation and benefits were 11% lower, down EUR 358 million, reflecting lower performance related compensation in CB&S.
Group income before income taxes was EUR 917 million in 2Q2014, 16% higher than 2Q2013, as the decline in revenues was offset by the aforementioned decline in costs and lower provision for credit losses.
Compared to 1Q2014, income before income taxes declined 45% to EUR 917 million in the current quarter, reflecting the decline in revenues and higher noninterest expenses.
Group net income was EUR 238 million, 29% lower than 2Q2013. Income tax expense in 2Q2014 was EUR 679 million. The effective tax rate of 74% was mainly impacted by expenses, such as litigation, that are not deductible for tax purposes and income taxes of prior periods.
Capital, Funding, and Liquidity (Table 3)
The bank's fully loaded CRR/CRD4 Common Equity Tier 1 (CET1) capital ratio was 11.5% as of 30 June 2014, up from 9.5% as of 31 March 2014. Fully loaded CRR/CRD4 CET1 capital increased by EUR 10.7 billion in 2Q2014 to EUR 46.0 billion, principally reflecting gross proceeds from our share issuance of EUR 8.5 billion, and a further EUR 1.3 billion for the related 10/15% effect, net off issuance costs and dividend accruals for the newly issued shares. Fully loaded CRR/CRD4 risk-weighted assets (RWA) increased by EUR 25 billion to EUR 399 billion at the end of 2Q2014. The largest individual impacts were EUR 7.8 billion related to Operational Risk RWA, principally all from model and methodology changes and EUR 3.7 billion in relation to the capital raise.
As of 30 June 2014 year-to-date debt issuance was EUR 24.8 billion at an average spread of 47 basis points over the relevant floating index (e.g. Libor). The main highlight in 2Q2014 was the Bank's inaugural Additional Tier 1 triple-tranche benchmark issue with an equivalent value of EUR 3.5 billion. The Group's 2014 initial issuance plan of EUR 20 billion has now been increased to EUR 30-35 billion to fund additional growth and take advantage of attractive market conditions.
Liquidity reserves were EUR 199 billion as of 30 June 2014, 45% of which being in cash and cash equivalents primarily held at central banks.
Total assets were EUR 1,665 billion as of 30 June 2014, reflecting an increase of EUR 54 billion, or 3%, versus 31 December 2013.
According to CRR/CRD4 rules, leverage exposure was EUR 1,447 billion as of 30 June 2014, materially unchanged compared to 31 December 2013.
The leverage ratio, on a fully loaded basis according to CRR/CRD4, increased to 3.4% as of 30 June 2014 compared to 2.4% as of 31 December 2013.
Segment results
Corporate Banking & Securities (CB&S) (Table 4)
CB&S net revenues in 2Q2014 declined 1% to EUR 3.5 billion from the prior year period, despite a challenging market environment of low volatility and client activity. Net revenues included a EUR 114 million loss for the combined impact of Credit Valuation Adjustment (CVA), Debt Valuation Adjustment (DVA) and Funding Valuation Adjustment (FVA) (2Q2013: a loss of EUR 88 million).
Debt Sales & Trading net revenues were EUR 1.8 billion 2Q2014, in line with 2Q2013. Revenues declined in Foreign Exchange and Core Rates, which were affected by low levels of volatility and client activity. Within the Credit businesses, Flow Credit, and RMBS benefitted from a more favourable operating environment compared to 2Q2013, while Credit Solutions also produced strong revenue growth in the quarter.
Equity Sales & Trading net revenues declined 11% to EUR 698 million in 2Q2014, largely driven by Equity Derivatives as a result of challenging market conditions. Cash Equities revenues were lower driven by lower client volumes in the secondary markets.
Origination and Advisory net revenues increased 10% to EUR 811 million in 2Q2014. Revenues in Equity Origination were significantly higher than the prior year quarter driven by strong deal flow notably in Europe. Revenues in Advisory were higher than the prior year quarter reflecting increased market share. Debt Origination revenues were in line with the prior year quarter.
Compared to 1Q2014, net revenues declined 13%, or EUR 543 million, including a EUR 114 million loss for the combined impact of CVA, DVA and FVA in 2Q2014 (1Q2014: a gain of EUR 7 million).
Debt Sales & Trading net revenues decreased 25%, or EUR 607 million, compared to 1Q2014. Revenues in Distressed Products were significantly lower than 1Q2014, which reported strong revenues in Americas and Europe. Revenues also declined in Rates and Foreign Exchange, which were affected by low levels of volatility and client activity.
Equity Sales & Trading net revenues declined 10% from 1Q2014, reflecting lower revenues in Cash Equities and Equity Derivatives businesses due to challenging market conditions.
Origination and Advisory net revenues increased 30%, or EUR 187 million, from 1Q2014. Revenues were higher in Equity Origination, driven by strong deal flow notably in the Europe region, and in Advisory and Debt Origination.
CB&S noninterest expenses of EUR 2.6 billion declined 7% in 2Q2014 compared to the prior year period. The decrease reflected lower performance based compensation and litigation charges, partly offset by the ongoing implementation of the Operational Excellence (OpEx) program and regulatory costs.
Compared to 1Q2014, noninterest expenses increased 2%, mainly due to higher litigation charges and the ongoing implementation of the OpEx program, partly offset by lower performance based compensation.
CB&S income before income taxes was EUR 885 million, up EUR 127 million compared to the prior year quarter, mainly driven by a decrease in noninterest expenses. Adjusted post-tax RoE in 2Q2014 was 15%.
Compared to 1Q2014, income before income taxes was down EUR 607 million, mainly driven by the decrease in revenues and higher litigation related expenses.
Private & Business Clients (PBC) (Table 5)
PBC net revenues of EUR 2.4 billion in 2Q2014 declined 3% from the prior year period. The decrease primarily reflected the absence of Postbank-related one-off items that occurred in 2Q2013. Excluding the impact of those non-recurring items, PBC revenues were essentially unchanged from the prior year period.
Compared to 1Q2014, net revenues declined by 4%, or EUR 108 million. The decrease reflects lower revenues in Other products, which were down EUR 65 million, mainly driven by a subsequent 1Q2014 gain of sale in Private & Commercial Banking closed in a prior period. Revenues from investments & insurance products decreased EUR 41 million, mainly due to seasonally stronger revenues in 1Q2014.
PBC provision for credit losses in 2Q2014 fell 25% to EUR 145 million versus the prior year period. The credit quality of PBC's loan book remains good reflecting the benign economic environment in Germany.
Compared to 1Q2014, provision for credit losses increased slightly by EUR 5 million, reflecting regular quarterly deviations.
PBC noninterest expenses in 2Q2014 increased 4% to EUR 1.8 billion versus 2Q2013. The cost increase is primarily driven by charges for loan processing fees triggered by a change in German legal practice in May 2014 as well as a release of a provision related to the Hua Xia Bank credit card cooperation in 2Q2013. Excluding these specific items noninterest expenses were essentially unchanged.
Compared to 1Q2014, noninterest expenses were flat, reflecting a negative impact from the aforementioned change in German legal practice, partly offset by lower cost-to-achieve related to the OpEx program.
PBC income before income taxes in 2Q2014 declined 21% to EUR 403 million compared to 2Q2013. The decline is largely related to the absence of non-recurring items that occurred in 2Q2013. Excluding the impact of those items, IBIT was relatively unchanged versus the prior year period.
Compared to 1Q2014, income before income taxes declined by EUR 117 million, primarily due to the impact of specific items as mentioned above.
Invested assets increased by EUR 2 billion compared to 31 March 2014, mainly due to market appreciation and net inflows mainly in securities.
Global Transaction Banking (GTB) (Table 6)
GTB net revenues in 2Q2014 of EUR 1.0 billion were unchanged from 2Q2013 despite the prior year period including a gain from the sale of Deutsche Card Services. Revenues in Trade Finance and Trust & Securities Services increased because of strong volume growth while Cash Management revenues were solid despite the low interest rate environment.
Compared to 1Q2014, revenues increased 1%, despite a gain from the sale of registrar services GmbH included in 1Q2014. The increase was primarily driven by a stable pipeline and strong volumes.
GTB provision for credit losses in 2Q2014 declined 41% to EUR 47 million from the prior year period. The decline reflects the non-recurrence of a single client credit event in the prior year.
Compared to 1Q2014, provision for credit losses increased by EUR 23 million, which was predominantly driven by higher provisions in the commercial banking activities in the Netherlands.
GTB noninterest expenses of EUR 759 million in 2Q2014 grew 20% compared to the prior year quarter, primarily reflecting a litigation related charge. Furthermore, investments in platforms to enable business growth and higher expenses to comply with regulatory requirements contributed to the increase.
Compared to 1Q2014, noninterest expenses increased by 19%, or EUR 122 million, for the same drivers.
GTB income before income taxes in 2Q2014 decreased by 29% to EUR 228 million, largely due to a litigation related charge.
Compared to 1Q2014, income before income taxes decreased by 38%, primarily related to a litigation related charge as well as higher provision for credit losses.
Deutsche Asset & Wealth Management (DeAWM) (Table 7)
DeAWM net revenues were EUR 1.1 billion in 2Q2014, 9% higher than the prior year period largely reflecting EUR 93 million of mark to market movements on policyholder positions in Abbey life, largerly offset within noninterest expenses. Excluding the effect of Abbey Life, net revenues were unchanged versus the prior year quarter. Management fees grew in the quarter reflecting growth in average assets which benefitted from net asset inflows of EUR 11 billion. However, that was offset by a decline in performance and transaction fees because of lower performance fees in alternatives and active, and lower transaction revenues from capital markets and foreign exchange products for private clients.
Compared to 1Q2014, net revenues increased 6%, or EUR 66 million. This reflects higher mark-to-market movements on policyholder positions in Abbey Life, increased Management Fees and other recurring revenues, as well as higher revenues from other products, mainly due to a gain on sales from divestments. Performance and transaction fees and other non recurring revenues were down, driven by lower transaction revenues from capital markets and foreign exchange products due to reduced client activity.
DeAWM provision for credit losses decreased by EUR 7 million compared to 2Q2013 mainly resulting from lower specific client lending provisions and recovery of prior losses in 2Q2014.
Compared to 1Q2014, provision for credit losses decreased EUR 5 million, driven by higher recoveries of prior losses in 2Q2014.
DeAWM noninterest expenses of EUR 936 million in 2Q2014 decreased by 3% compared to 2Q2013. Lower OpEx related costs-to-achieve, partially offset by higher policyholder benefits and claims and litigation, drove this decline. Excluding these effects, noninterest expenses are down 3% year on year mainly due to continued savings from OpEx initiatives.
Compared to 1Q2014, noninterest expenses increased 4%, or EUR 36 million, driven primarily by higher policyholder and benefit claims and higher cost-to-achieve related to OpEx.
DeAWM income before income taxes in 2Q2014 increased 154% to EUR 204 million from the prior year quarter. This reflects decreased OpEx related cost-to-achieve spending and reduced costs from successful progress in integration efforts across DeAWM.
Compared to 1Q2014 income before income taxes increased by EUR 35 million, or 21%, mainly driven by higher revenues, partly offset by higher noninterest expenses, in particular policyholder and benefit claims as well as cost-to-achieve related to OpEx.
Invested assets were EUR 955 billion as of 30 June 2014, an increase of EUR 21 billion versus 31 March 2014, mainly driven by market appreciation of EUR 16 billion and inflows of EUR 11 billion. Net inflows of EUR 11 billion were recorded across all products, with strong flows in both retail and institutional business.
Non-Core Operations Unit (NCOU) (Table 8)
NCOU net revenues in 2Q2014 declined EUR 322 million to negative EUR 44 million. This largely reflected the transfer of EUR 314 million in mark-to-market losses previously reported in equity to the income statement, which was triggered by the restructuring of Maher Terminals' debt financing. Additionally, portfolio revenues declined reflecting the significant reduction in assets year-on-year. This was offset by one time recoveries related to settlement payments and lower RMBS repurchase reserves being taken in the quarter.
Compared to 1Q2014, net revenues declined EUR 117 million, driven by mark-to-market losses of EUR 314 million in relation to the restructuring of Maher Terminals' debt financing. Additionally, 1Q2014 included losses of EUR 151 million in the Special Commodities Group, which resulted primarily from our exposure to traded products in the U.S. power sector.
NCOU provision for credit losses in 2Q2014 was EUR 155 million lower versus 2Q2013 due to specific gains from asset sales as well as lower provisions for IAS 39 reclassified assets.
Compared to 1Q2014, provisions declined 71% or EUR 48 million, mainly driven by gains from asset sales.
NCOU noninterest expenses decreased by EUR 260 million, or 33%, compared to 2Q2013. The decrease versus the previous year was driven by lower litigation-related expenses as well as the sale of BHF-BANK which resulted in lower direct costs in NCOU's operating assets.
Compared to 1Q2014, noninterest expenses decreased 4% to EUR 517 million in 2Q2014, reflecting lower litigation related expenses as well as the sale of BHF-BANK.
NCOU loss before income taxes in 2Q2014 was EUR 580 million, EUR 92 million better than the prior year period.
Compared to 1Q2014, loss before income taxes increased by 9% to EUR 580 million, EUR 49 higher than 1Q2014.
Consolidation & Adjustments (C&A) (Table 9)
C&A loss before income taxes was EUR 223 million in 2Q2014, compared to a loss of EUR 205 million in the prior year quarter. This result was predominantly attributable to Funding Valuation Adjustments and higher costs related to regulatory requirements in the quarter.
Compared to 1Q2014, the C&A loss before income taxes of EUR 223 million in 2Q2014 was lower by EUR 113 million. This decrease was predominantly attributable to lower valuation & timing differences.
The complete press release, including tables, is available here.
For further information, please contact:
Deutsche Bank AG
Press and Media Relations
Dr. Ronald Weichert
+49 69 910 38664
Christian Streckert
+49 69 910 38079
Investor Relations
+49 69 910 35395 (Frankfurt)
+44 20 754 50279 (London)
An analyst call to discuss 2Q2014 financial results will take place today at 8.00 a.m. (CET). This conference call will be transmitted via internet: https://www.db.com/ir/video-audio
The complete Interim Report as of 30 June 2014 is available at https://www.db.com/2Q2014, the Financial Data Supplement for 2Q2014 at: http://www.deutsche-bank.com/ir/financial-supplements
This release contains forward-looking statements. Forward-looking statements are statements that are not historical facts; they include statements about our beliefs and expectations and the assumptions underlying them. These statements are based on plans, estimates and projections as they are currently available to the management of Deutsche Bank. Forward-looking statements therefore speak only as of the date they are made, and we undertake no obligation to update publicly any of them in light of new information or future events.
By their very nature, forward-looking statements involve risks and uncertainties. A number of important factors could therefore cause actual results to differ materially from those contained in any forward-looking statement. Such factors include the conditions in the financial markets in Germany, in Europe, in the United States and elsewhere from which we derive a substantial portion of our revenues and in which we hold a substantial portion of our assets, the development of asset prices and market volatility, potential defaults of borrowers or trading counterparties, the implementation of our strategic initiatives, the reliability of our risk management policies, procedures and methods, and other risks referenced in our filings with the U.S. Securities and Exchange Commission. Such factors are described in detail in our SEC Form 20-F of 20 March 2014 under the heading "Risk Factors." Copies of this document are readily available upon request or can be downloaded from www.deutsche-bank.com/ir.
This release also contains non-IFRS financial measures. For a reconciliation to directly comparable figures reported under IFRS, refer to the 2Q2014 Interim Report, which is available at www.deutsche-bank.com/ir.
PDF version


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Customizing SMF > Modifications and Packages
Pretty URLs
<< < (2/1566) > >>
--- Quote from: RoarinRow on January 31, 2007, 12:50:38 PM ---Can you post a screen shoot? :)
--- End quote ---
There isn't anything to post a screen shot of. It changes the urls of your forum, not the templates.
You can see an example of it at: http://dev.eldacar.com/prettyurls/index.php
Links: (I can't edit the above sorry)
Home page: http://code.google.com/p/prettyurls/
Source code: http://prettyurls.googlecode.com/svn/trunk/
Download: http://code.google.com/p/prettyurls/downloads/list
Example/dev forum: http://dev.eldacar.com/prettyurls/
Please post and spam anything you like in the dev forum, especially if it uses funky characters.
I don't get the idea of what this mod is suppose to do. Can anyone explain ? :(
Turn http://dev.eldacar.com/prettyurls/index.php?topic=1.0 into http://dev.eldacar.com/prettyurls/general-discussion/welcome-to-smf/0/ :)
I just installed this and highly recommend it.
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- Arash Marashian (10 days 11 hours ago): Hi, Dear Yair, Thank you for your information. I have a question in "showcaseMPCDesigner.m 8221;, we have a function named "createDialog", that makes a...
- Arash Marashian (15 days 10 hours ago): Problem Solved. I found out that my version does not have this icon. thanks.
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- Marshall (16 days 13 hours ago): This was a fun puzzle–don't hesitate to add more posts like these if you come across some other fun ones!
- Reza (16 days 20 hours ago): I have the same problem. this Java widget got error in compiling via Matlab 2018! Could you please show me how to solve this?
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Monsanto announced yesterday that it submitted to the EPA for registration a 5% refuge-in-the-bag (RIB) option for Genuity VT Double Pro Corn. Upon registration, this RIB product would contain both Bt seed and refuge seed. A farmer could plant the product to an entire field, which would create a refuge throughout the field.
This is the second RIB product Monsanto has submitted to the EPA for registration. Currently, the agency is reviewing Monsanto's RIB for Genuity SmartStax corn, which the company submitted in December 2009.
Pending registrations, the company expects to have both RIB products commercially available to farmers in the Corn Belt for the 2012 growing season.
"Bt corn has revolutionized U.S. corn production," says Jerry Hjelle, Monsanto vice president of Global Regulatory. "Planting a structured refuge limits yield potential and is inconvenient. Upon registration by EPA, Genuity VT Double Pro will be the first dual mode of action product for aboveground insect protection with a convenient 5% single-bag refuge solution."


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Restoration of the Cappella Emiliani
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Responding to the Superintendency's urgent appeal for attention to the Cappella Emiliani, attached to the façade of the Church of San Michele, the Venice in Peril Fund financed preliminary diagnostic surveys and analyses prior to the drafting of a major restoration project.
The Fund also made representations to the Magistrato alle Acque, the authority responsible for traffic regulation in the Lagoon, asking for speed limits to be strictly imposed on boats passing the island in an attempt to reduce the damage constantly being caused to the building and its foundations by excessive wash.


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Piedmont, Temescal locations, I will play at Mosswood or Linda Ave or Davie or Piedmont Park. I like to warmup, hit baseline, do a bit of serve and volley, for 45-60 minutes. A few games at the end of the workout are optional.
Availability is very flexible as I am semi-retired. Let me know at 510-472-7829
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Level 4 - 4.5 - 5 ok.
Hi Bill, interested in Montclair courts? I'm 3.0-3.5. Late afternoon/early evenings generally work for me. Also flexible on weekends
Montclair is fine with me. Late afternoon is ok. This week is a little busy, Friday might work.
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|View Poll Results: Angel Beats! - Episode 5 Rating
|Perfect 10
|9 out of 10 : Excellent
|8 out of 10 : Very Good
|7 out of 10 : Good
|6 out of 10 : Average
|5 out of 10 : Below Average
|4 out of 10 : Poor
|3 out of 10 : Bad
|2 out of 10 : Very Bad
|1 out of 10 : Painful
|Voters: 203. You may not vote on this poll
|Thread Tools
|2010-05-02, 06:09
|Link #181
Senior Member
Join Date: Dec 2006
|2010-05-02, 06:18
|Link #184
Senior Member
Join Date: Dec 2006
|2010-05-02, 06:43
|Link #185
Senior Member
Join Date: Dec 2009
Location: United States of America
Age: 27
Actually, you don't need to. You can very easily see why normal people would stay away from her.
It is retrospective to claim that they should have had prepared a better plan, got more information etc. in the sense that you came to know that the Tenshi is human after their actions and you get to see every side of the story. You aren't the one trying to lead a random bunch of literal morons while trying to figure out everything about the world you are in by trial and error. Your statement, "she rarely, if ever, acts in an aggressive manner," is as retrospective as it can be. How the effing heck are you supposed to know her pacifist behavior unless you get to observe her like us viewers do lol. For all the SSS could care, she has had a lot of pain-inflicting battles with them, they'd be nervous just being in her field of vision.
Now, its very very easy to claim that its common sense to go ask the student council president for more information while you are away from conflict and get to see all the characters from an omniscient point of view. Try imagining yourself as a person who suddenly woke up in a random school with everyone acting as though you had always been a student there. And nobody in the school gives you any information. The teachers, the students, they are all emotionless and given that the president exudes the same lack of emotion, common sense depicts that it'd be useless to talk to her. Add the fact that she possesses supernatural abilities and nobody would want to talk to her. The fact that she has no friend serves as proof of this fact.
As for your hypotheses that the teachers held more authority than the student president, given that everything about a high school is emulated, on the surface at least, they would be. However, its more about keeping the pretense of a proper school than a hierarchy of authority, methinks. The teachers aren't a higher level of authority at all, they can't do jackshit, its Kadane who upholds the law etc. There is a higher level of authority, but its not the teachers, the teachers are just for show. Or at least that's what I think. I doubt there is a single, all-powerful existence that you could single out as god behind such an elaborate setting as that school, but depending on just how dark the tone can get, we could get anything from a council of compassionate senile elderly to much sinister forces that I would rather not list. I get the feeling that this issue won't be addressed by the anime though.
|2010-05-02, 06:44
|Link #186
et tu, brute?
Join Date: Sep 2007
Location: Perth WA
Age: 32
|2010-05-02, 06:59
|Link #188
It's yuri, bitches
Join Date: Apr 2010
Location: Israel
Age: 23
|2010-05-02, 07:03
|Link #189
Senior Member
Join Date: Dec 2006
If I was stuck in that situation then my first priority would be find out who knows anything and go ask them. If they didn't tell me then I would go and try either other ways of finding out info instead of deciding that I would just attack the head honchos which I don't even know if they know anything. Yurippe has no idea what's going on and instead of trying to cooperate and ask Tenshi especially after she knows Tenshi is not an angel is just stupid. In this case the people in the world should have a better idea that she isn't aggressive seeing as she doesn't barge in and have them all detained or anything of that manner. As Otonashi notes, she acts in a very defensive manner and it's amazing that he and it seems Yurippe are the only ones who know or care.
Considering they removed Kaname, they are definitely in a higher position of authority. She may uphold they law but it's them who set down the laws. Also in episode 3 during the concert they interfere instead of Tenshi and it seems all she was doing was spectating. She takes orders from them, not the other way around.
|2010-05-02, 07:24
|Link #190
et tu, brute?
Join Date: Sep 2007
Location: Perth WA
Age: 32
|2010-05-02, 07:56
|Link #193
Casual gaming
Join Date: Apr 2009
Location: England
Age: 29
The beginning of the episode was rather fun and lively, second half became solem and saddening. I'm glad Yuri and Otanashi could understand Kanade wasn't a threat to them because they'd always attack her first.
|2010-05-02, 08:05
|Link #195
Junior Member
Join Date: May 2010
Pretty much all of them are clueless, the informations that they have are just limited and in some points none ^^
And lol, they didn't even knew her name? The first thing to do is learn about your enemy as much information as possible in order to defeat him - her in this situation - .
Also, from the moment that they suspected that she was a human they could had tried a different way to approach her, but the way Yuri acts is more like "i will go against everyone and i will do things my own way".
|2010-05-02, 08:06
|Link #196
Join Date: Nov 2006
Location: Australia
While i myself found many resembling of Yuri and Haruhi. Still i think we should stop talking about it here. Maybe go to character or generic discussion for that.....
Simply, those who do not follow Yuri and can get friendly or try to follow Tenshi's direction ended up disappearing to a God-know-where place. Then with her superior power and desire to keep up the law by force; from the SSS point of view, the only difference of Kanade and a real life cold blood dictator is moe factor, really. In fact, they even afraid that Kanade will slit their throat in their sleeps (I doubt any of us viewers would have such fears)
Everything we knows so far about Tenshi was from Yuri's operation. If gaining information through conversation worked , one of those idiot and hot blood guys have probably tried so.
|2010-05-02, 08:30
|Link #199
Join Date: Nov 2006
Location: Australia
I doubted the NPC identities at first also. But a bunches of students who found nothing strange about a world without hospital, and possibly other services. Then remain normal at the screen of school delinquents fighting with the student President using laser swords and guns.....
They can't be ordinary students
|2010-05-02, 08:34
|Link #200
Join Date: Nov 2003
They know what they are and what this world is.
That's why they let people like Yuri do her own thing.
The ones with questions end up joining Yuri's group.
The others try to find meaning in all of this and participate in school life.
Or perhaps they had questions too but decided to join the school life after some time passed
I think NPC is a just a label that Yuri uses to brand everyone that is not on her team
Yuri analyzes a lot of things, but she tends to be short sighted.
I think she is disgruntled when she didn't get clear answers from the so called NPCs.
But I think the NPCs can't answer difficult questions because they have very little idea about this too.
I am rather convinced that everything she has done is a case of an extreme knee jerk reaction
|Thread Tools


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Derek Smith was used to being around volleys and overhead slams as an assistant tennis coach at Estancia High. This season though he'll be in the midst of chip shots and putts as head coach of Costa Mesa's girls' golf team.
The Mustangs are young, with one senior joining sophomores and freshmen. Smith said this season is dedicated to sending senior and varsity returner Marcie Mathieu out on a positive note. Mathieu is a four-year varsity member and made first-team All-Orange Coast League last fall, Smith said. "The goal is to make Marcie's year as good as possible," Smith said.
Even fielding a team is an accomplishment, Smith said.
"There was a fear we wouldn't have enough girls to make a team," said Smith, a special education history teacher at Mesa who enters his first year as a head golf coach.
"We had two returners on the map at the end of last year and [as of Sept. 11] we have 12 [total]," Smith said. Joining Mathieu will be sophomore returner Marne Mamola, along with sophomores Brooke Conrad, Catie Webster, Jennifer Kosakowski, Arisa Joi, Mary Raus and Lucy Fuentes. Mesa has four freshmen, including Patricia Haro, Salena Mohammed, Sidney Sparks and Brittney Chatham.
Smith helped out former coach Tom Baldwin toward the end of the girls' season in 2011 and stayed on in the spring to assist the boys' team. Baldwin retired as coach and Smith welcomed the opportunity to take the coaching reins.
"I played high school golf for three years and those were some of the best memories of my career," Smith said. "I don't come in contact with a large population of students during the day. This was an opportunity to give back to the school, not only teach bell-to-bell, but be a part of the activities."
Smith and assistant Kiran Kumar will be leading the team for a league schedule that features all four schools (Mesa, Estancia, Laguna Beach and Calvary Chapel) playing against one another at the same course on the same day. Smith said the altered schedule trimmed four matches off each team's schedule.
Costa Mesa resident Bryan Saltus will compete in the Santa Ana Star Casino New Mexico Open, a tournament for both professionals and amateurs, Tuesday through Thursday at the Santa Ana Golf Club in Santa Ana Pueblo, N.M.
Saltus, a Newport Harbor High product who has won nearly $500,000 on the Asian Tour, will be one of 156 players competing in the 54-hole competition. After 36 holes, the field will be cut to the top 50 and ties.
Notah Begay III, a four-time winner on the PGA Tour and Albuquerque, N.M., native, is in the field.
BRYCE ALDERTON is the golf writer for the Daily Pilot. He may be reached at firstname.lastname@example.com.


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Neil Young Le Noise (Reprise) Producer Daniel Lanois brings sonic landscapes to everything he touches. Working on Neil Young's new album, Le Noise, […]
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NCR/uGenius Technology Deal Targets Growth of Video ATM Technology
With a focus on driving growth of its APTRA Interactive Teller solution, NCR Corp. (Duluth, Ga.) has purchased uGenius Technology, Inc. , a Utah-based developer of video banking software. The deal rounds out a relationship that goes back to 2011, when NCR and uGenius collaborated to build what the companies say was the first ATM that lets consumers talk and bank with a live, remote teller -- enabling banks to deliver a face-to-face banking experience for extended hours and offer more services to their customers, according to NCR. In January 2012, NCR acquired a minority stake in uGenius.
NCR's APTRA Interactive Teller solution lets consumers conduct remote, assisted-teller transactions over an ATM -- speaking with a live teller who has control of the machine. NCR said in a press release it anticipates that it will begin pilots for APTRA Interactive Teller with multiple top 10 U.S. banks in the first half of 2013.
The vendor also says it expects to be able to leverage other uGenius technologies such as SmartOffice and Online Video Banking to expand the delivery of video banking to multi-channel solutions across NCR Financial Services and other industry verticals.
[Learn how uGenius' video-based personal teller machines helped Five County Credit Union extend its reach while shrinking its footprint. ]
"Video banking -- or, as we prefer to call it, remote assisted service -- will continue to gain momentum in the U.S. and other countries in 2013. Remote assisted service is proving to help financial institutions grow revenues while at the same time reduce their operating and real estate costs," said Peter Leav, executive vice president, NCR Corp., in the press release. "By acquiring uGenius, we are delivering against our corporate strategy of innovating for our customers and reinventing NCR as a software-driven business, while allowing us to enhance existing technology platforms and create a new segment of remote assisted service."
APTRA Interactive Teller is part of NCR's assisted service suite of solutions, combining video collaboration and remote transaction-processing technology on an ATM. According to NCR, approximately 95% of all teller transactions can be performed via Interactive Teller in addition to the usual product sales and service that an in-branch teller provides.
Katherine Burger is Editorial Director of Bank Systems & Technology and Insurance & Technology, members of UBM TechWeb's InformationWeek Financial Services. She assumed leadership of Bank Systems & Technology in 2003 and of Insurance & Technology in 1991. In addition to ... View Full Bio


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I met Charlie Fink at our first year at the University of Manchester, at our prison-like first year student accommodation, where the fire alarm went off at least once a night and the lift was prone to drop in freefall. By some miracle, in amongst the pounding Pendulum from the raver that lived next door and the party fiends that lived all around us, Charlie's room was two doors down from mine. I introduced him to the music I loved, anti-folk and Devendra the like, and we bonded over a mutual adoration of Bob Dylan. Along with another friend we were lucky enough to have on the same floor, we started a band together. Charlie had been playing solo for a while by then, notably at these strange monthly gigs, West London hoe-down nights where everyone would dress like cowboys and play foot-stomping country-folk. I remember going to one and feeling terrified.
He left uni after his first term, his interest in his subject not enough to keep him on the depressing freshers merry-go-round. His almost obsessive music-making was a constant even then, his insomnia allowing him to stay up all night writing new songs and hooks for our band. Just after Charlie moved to London – when he changed the name of his group from Johnny Hatracket to Noah and the Whale – we went to see Emmy the Great play with Diane Cluck, Emmy announcing that Johnny Flynn was leaving her band and that she was looking for a new multi-instrumentalist. Soon after Charlie joined her band; soon after that Emmy left, to be replaced by the then relatively unknown Laura Marling, with whom Charlie had just toured with. He went on to produce her EP, My Manic and I, and then her full-length record, Alas I Cannot Swim.
When I met him, Charlie was nervous and paranoid, directionless. I can still remember me and my friend going into Charlie's room in first year and eating his considerable supply of hummus, much to his chagrin, as he sat in his pyjamas, restive and inactive.
As I write, the song 'Five Years Time', about to be re-released by Young and Lost (supported by Universal), lies at 25 in the official UK charts. It hasn't even been physically released yet (get it in stores on August 4). It also features on a nationwide US ad campaign. Noah and the Whale's first record, Peaceful, the World Lays Me Down, is released on August 11 on Young and Lost / Universal.
Are you happy with the album?
Charlie: I am happy with it. A lot of bands work in different ways, you get some bands who originate from the studio and then find it tough moving to live shows, but we were always a band who played live even before there was an incentive to record. Although all the arrangements were set on the songs and everything had been played hundreds of times, it's that process of transferring it from being a live song to a recorded song. I think that's a very different discipline – playing live and recording something. On top of that we wanted to have a unifying sound throughout the album as well. It was important for us to, you know, make that transfer and have a unit out of it. I think that worked. It's amazing how you see bands struggle from having a really tight, interesting live set, and then moving into the studio and just not being able to make it work – so that was satisfying.
The Silver Jews, for example, who've been recording for over a decade, only started playing live very recently. For you, what's the importance of touring?
I don't think it was ever necessarily a conscious decision of ours to be a touring band. I think as much as anything it was a thing we wanted to do, to go and play shows, as much and as many as we could. There was never any sort of tactic to it – like, "we tour for this long, and do it like this" – it just felt natural. I'm always surprised at bands that don't do it like that, as I think that's the best way to do it. Part of it, I guess, is familiarising yourself with the songs, and you do learn a lot about the songs from playing them live.
I often think as well that writing songs is such an abstract thing; Dylan once said that – after he'd had his prolific period in the '60s and had his down-patch in the '70s – he was trying to do something consciously that he'd previously been able to do subconsciously. I definitely think there's a lot of the subconscious involved in songwriting, and I think often you understand songs more the more you play them. The more you play it the more it becomes apparent to you why you wrote it. Obviously when you write it there's something in mind, but it is abstract. Touring just felt like the obvious and natural thing to do - when we started it seemed completely absurd that we'd get into the position we're in now.
Sometimes it's difficult for a new band to come out with a debut album when it's a collection of songs that weren't necessarily written together. How difficult was it to make the record sound coherent?
I think that at the outset the songs weren't written with an album in mind – because we never thought we'd be in a position where we'd be able to do that. Bur you don't have to force it – all those songs were written over not so long a period, over maybe a year, and I felt that there was enough to say about what I was singing about that that quantity of songs just spilled out. And once the possibility of an album arose the later songs were written purposefully to bind it all together. I think the album has a theme and a vocabulary, but that wasn't necessarily drawn out just for album, they were just the themes that I was writing about, with words that have a broader meaning. When the themes of the album are Love, Death and Time, those are probably the three broadest themes you can write about, so you've obviously got a huge space to run with it.
Is the next record going to be similar, or do you want it do be more personal, more cohesive, to paint with less-broad strokes?
Well I would definitely like to do a 'part two' to this album at some point; I do feel that there're no conclusions at all on the album – there's a lot of questioning and internal debate. The next album is in the process of being written now as being one piece, and I'd almost like to see it as something that could run as one continuous track. We have this dream plan – to make a film that runs parallel to it, that's not a literal translation of the album but thematically representative of what it is. The themes on the new album are a lot more personal – it feels like I'm writing something completely different. Once the first album's finished and you have that blank canvas it's intimidating; once you have some success with something it's scary to move away from that. But at the same time it felt unnatural to try and continue with that.
It's that abstract thing about songwriting – potentially I could never write a song again! I did a show once with Marissa Nadler who works as well as being a musician, does office work part time. She said that when she can't write she goes and works, and then suddenly she'll get a month where she'll be inspired and write an album. I've always felt I'd like to have the bravery to do that as well. I always try and work out whether personal happiness or your art is more important – I'd like to think that if at one point I get to a situation where I'm content enough and happy enough, that if I couldn't write songs it would be okay.
Has Noah's sound been at all influenced by the people you've worked and collaborated with – people like Emmy and Laura? I can hear a lot of that West London 'hoe-down' sound in your live shows too – why do you think that sound was particular to West London at that moment?
Well I think you'd probably agree that the live sound and the album sound are quite different, and I definitely think that the album sound is the sound I see as being our sound. We're getting into the position where we can afford to bring in a few more people and try and play around more with the live sound. A lot of the live sound is produced, not in a bad way, through limitations – the number of people you have in the band and stuff like that. I think that's the same for a lot of bands. Whereas being in the studio you're completely liberated from that. You've got endless options for instrumentations and there's no pressure.
I was probably more heavily influenced by the time I spent in Manchester, before I moved to London. Obviously you introduced me to a lot of new stuff, hearing a lot of the anti-folk stuff, Daniel Johnston and Bonnie Prince Billy – that was really eye-opening stuff to hear. Once I'd discovered all those bands, in London I found the people who'd also been influenced by that and were taking from that their own thing, like Emmy and like Laura. When I met Emmy I think neither of our sounds changed that much from meeting each other – she'd already established her sound by the time I'd met her.
I guess with Laura it was a very different thing – when I met her, her music was completely different to what she does now. But at the same time I could tell that she was trying to discover the sound that she's now got to. I personally think that what she does now is phenomenal; this whole year for her has been one of progression and discovery. I definitely feel that I've had some influence on that, and it's been a really rewarding process to see. Not that I claim a big part of it, just that I feel I am part of that progression; making her album with her is something I'm really proud of. To be honest, I brought a lot of stuff with me from Manchester to London. I don't want it to sound like a big deal or anything, but I think that 'scene' in London is very different to how it was a while ago.
Video: Laura Marling, 'Ghosts'
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It's funny for me to see someone I know so well being pushed by a major label, to be in major papers et cetera. How does it feel to you to be in the middle of that?
I think people don't realise how long a process it's been. We're in a position now that we've never necessarily sought to be in – it was never the initial incentive. A year ago we recorded four tracks in a friends studio, one of which was 'Five Years Time', and took the EP to the Young and Lost girls, who we knew did limited releases. But they took 'Five Years Time' and told us it'd be a good single. At that time, the very fact that someone wanted to release something we were doing – even if it was only 500 copies – seemed like the biggest success anyone's ever had! It was absurd to me at that point to have that level of success. To be in this position… I can't even comprehend it.
But we've never pushed for it, we've never been a 'buzz' band. We were in a position where we had nothing to lose making the record as there wasn't much expected from us. We were just excited to be making a record. But we never recorded something specifically to be in a strong position, it just so happened that people liked it, and it was then that we were 'pushed' more. But at the same time you can push something as much as you want and nothing can happen.
Obviously it's flattering on one level – that other people like something you've put so much heart into. It's the fact that people I really respect like it; the fact that even Laura loves the album feels like a big success. Or that people like Adam Green or Broken Social Scene like the band. And then on top of that to have this weird impending potential commercial success, which was completely unintentional – all the bands I love sell no records and aren't on the radio. So it seems absurd to be in that position. I guess confusion is the main emotion I feel!
Video: Noah and the Whale, 'Five Years Time'
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27 Cambridge Secret Garden Party
3 Cambridge Folk Festival
4 London Banquet Records in-store
5 London Rough Trade East in-store
8 Leicester Summer Sundae, DrownedinSound stage*
9 London Field Day festival
12 London Oxford Street Zavvi in-store
15 Edinburgh Cabaret Voltaire
16 Stafford V Festival
17 Chelmsford V Festival
13 Dorset End of the Road festival
* with Youthmovies, Howling Bells, The Mae Shi and Fuck Buttons, info


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Sunday, 16 September 2012
Olivia Cookie
Olivia Cookie .... set of 6 spookish cookies. She is dressed in her halloween haunting gown. Perfect for October themes or almost any theme you wish. All 6 different poses. Full size with the tallest around 2000 pixels and created in 300dpi. CU is permitted. CU4CU is NOT permitted sorry.
Posted by hippiedaze at 23:59
Labels: Cookie Posers - PTU
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Do you want to know one of the reasons that the Pittsburgh Steelers failed to make the playoffs in 2012? Name the team's playmakers.
Ben Roethlisberger and Troy Polamalu. And that would be it.
They lack any player who can consistently step up and make plays with both of these players in the lineup, let alone when they are injured and miss several games at a time. The lack of playmakers doomed the season and the hated Baltimore Ravens are in the Super Bowl and not our beloved Steelers and Super Bowl 2013 odds have the Ravens as underdogs too boot.
The downfall on offense began with one of the most disappointing units on the team—the wide receivers.
Mike Wallace, Antonio Brown and Emmanuel Sanders were supposed to make up one of the best receiving trios in the league. Instead they underachieved and were noticed more for their drops, fumbles and overall lack of physicality than their big plays and touchdowns.
No longer were the Steelers receivers making big plays downfield on a consistent basis and they were not using their speed and quickness to take a short pass and make it into a long gain.
Wallace's and Brown's average yards per reception resembled that of a possession receiver rather than a big play threat. Sanders did average 14.2 yards per catch, but only had a long reception of 37 yards.
As a result, the Steelers had to use Heath Miller as their primary receiving option. That isn't necessarily a problem, but Miller should be a secondary playmaker for the offense, not the primary one.
Not only did Miller lead the team in receptions with 71, but he also tied for the team lead with eight touchdowns and 11 receptions of 20 yards or more.
Miller can scare a defense, but not in the same way that one of the outside threats should be able to, particularly Wallace.
Wallace has elite speed that few in the NFL can match and yet was unable to make the deep catch nearly enough this year. A lot of that can be attributed to his lack of opportunities, but he also didn't make the most of those opportunities.
As disappointing as the wide receivers were, the running backs were even worse.
Jonathan Dwyer led the Steelers with a paltry 4.0 yards per carry and scared no one as a big play threat. Neither did Isaac Redman.
Rashard Mendenhall was supposed to be that guy, but it took him awhile to get healthy from an ACL injury that he suffered last season and he was never able to fully establish himself.
Chris Rainey could have been another potential weapon out of the backfield, but was limited to only 40 touches and isn't even going to be on the team next year.
Things weren't much better on defense where the Steelers top two playmakers—LaMarr Woodley and James Harrison—were not very productive, combining for only 10 sacks.
They had injury issues that slowed them down for much of the season and as a result, the Steelers failed to generate a consistent pass rush.
Lawrence Timmons stepped up his game some with six sacks, two forced fumbles and three interceptions, but four of those sacks and one of the forced fumbles came in the last two weeks of the season. He failed to make his presence felt throughout the entire season.
The lack of playmakers in the secondary is not exactly a surprise as Ike Taylor and Ryan Clark are both solid players, but also known for their lack of interceptions.
Polamalu is the only player that can ever be counted on in the secondary to make big plays and he did when he was actually on the field. The problem is that he spent more time off of the field than on it.
So is there help coming? It doesn't look like it.
There isn't much promise on offense as the Steelers will likely lose Mike Wallace in free agency and thus will be losing their biggest threat. Brown and Sanders can step up their game, but if they couldn't be the primary playmaker with Wallace on the field, how can they do it without him?
The running back situation is even worse as Mendenhall is a free agent and may not return. Even if he does, he has failed to live up to his potential.
The defense doesn't have much help on the way, either. Jason Worilds may have to step into a starting role if Harrison is released. Though he had five sacks with very limited snaps, Worilds is not an elite pass-rusher and has some holes in his overall game.
But there may be some hope in the secondary where Cortez Allen flashed some upside as a potential playmaker.
Allen was thrust into an increased role over the final quarter of the season and played fairly well.
The highlight for Allen came against the Cincinnati Bengals in what—at the time—was a must-win game for the Steelers.
Allen came down with two big interceptions as he showed tremendous ball skills. That is exactly what the Steelers' secondary needs to go from a very good secondary to an elite one.
With the lack of potential playmakers on the roster, the Steelers will have to fill the void via the draft. That may mean that the Steelers pass on linemen and look to offensive and defensive skill players.
Considering that the Steelers have spent high picks on Ziggy Hood, Cameron Heyward, Maurkice Pouncey, Marcus Gilbert, David DeCastro and Mike Adams lately, it may not be a bad thing.
The Steelers need to add players on both sides of the ball that their opponents need to plan for. Roethlisberger and Polamalu are getting older and can no longer do it on their own. They need explosive players on both sides of the ball.
Just look at the two Super Bowl teams.
Baltimore has Torrey Smith, Ray Rice and Bernard Pierce on offense and some excellent talent on defense. San Francisco is loaded with Colin Kaepernick, Vernon Davis, Patrick Willis and Aldon Smith.
The Steelers used to be stacked with these types of players; however, they got old. It is time to replenish the playmakers on this team.
If the Steelers want to get back to the playoffs and compete for a championship, they must add dynamic players who can make big plays on a weekly basis.
Pittsburgh does have plenty of talent in place, but there is always room for improvement. Most importantly, there is always room to add explosive playmakers to the roster and the Steelers are in dire need of several of them.


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Uihlein earns maiden win in Madeira
Santa Cruz, Madeira – Peter Uihlein carded a 4-under 68 on Sunday and claimed a 2-stroke victory at the Madeira Islands Open.
Uihlein was tied with Morten Orum Madsen entering the final hole when the latter, playing in the penultimate group, stumbled to a double-bogey 6, allowing the former to wrap up the win with a par.
It was the first professional victory for Uihlein, who finished 72 holes at 15-under 273. Madsen, meanwhile, ended with a final-round 67 at Club de Golf do Santo da Serra and tied for second place with overnight leader Mark Tullo (71).
"I'm just thrilled," said the 23-year-old American. "To do it playing well on the back nine, coming down the stretch, is sweet. I know Morten played a heck of a round and Mark played really well, so it was nice to come out on top."
Second-round leader Craig Lee shot 71 and ended alone in fourth place at 12- under, while Seve Benson (67), Richard Bland (68), Roope Kakko (68) and Rhys Davies (67) tied for fifth at minus-9.
Defending champion Ricardo Santos, the highest ranked player in the field at world No. 145, shot 69 for the second straight day and tied for 19th at 4- under.
Uihlein and Lee began the hard-fought final round one stroke off Tullo's pace, with Madsen trailing by four.
The 2010 U.S. Amateur champ Uihlein stumbled to a bogey at the first, but recovered with back-to-back birdies from the third. Still, he could only watch as his playing partner Tullo dropped his 8-iron tee shot from 201 yards into the cup at the par-3 fourth for a hole-in-one.
The jostling continued, as Tullo and Lee exchanged the lead over the course of their outward nine, with Uihlein hanging back after following a gain at the seventh with consecutive bogeys from No. 8.
Tullo failed to keep the momentum around the turn, carding two bogeys and a lone birdie over his final nine holes, as Uihlein and Madsen charged to the top.
Uihlein made his move with a hatrick of birdies from the 11th, while Madsen, playing in the penultimate group, methodically moved up the leaderboard with seven birdies and just one bogey over his opening 13 holes.
Both players birdied the 16th to reach 15-under and after pars on the next, Madsen unraveled on the tournament's 72nd hole.
The 25-year-old landed beside a tree off the tee, played out from there and promptly found a bunker with his third. He then sailed his fourth over the green, eventually settling for a double-bogey, allowing Uihlein to wrap up the win with a comfortable par.
"I hit some good putts coming down the stretch," said Uihlein, whose father Walter is CEO of golf apparel and equipment manufacturer Acushnet. "When I was at the 17th, I saw Morten was on 15-under and I thought it might have been a little more difficult, but when I got to the 18th green I obviously saw he had dropped back. I'm just delighted to have won."
NOTES: Uihlein was making his 16th European Tour start, His previous best performance on the circuit was a fourth-place finish at the 2013 Tshwane Open ... Tullo recorded two wins on the Challenge Tour in 2010 ... Ten of the past 11 champions at this event have been first-time European Tour winners ... This event ran opposite the World Match Play Championship in Bulgaria.


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While dedicated baseball fans eagerly anticipate the start of Spring Training, the next installment of the wildly popular Major League Baseball 2K franchise steps up to the plate and swings for the fences. 2K Sports, the sports publishing label of Take-Two Interactive Software, Inc. (NASDAQ: TTWO), today unveiled a host of exciting new gameplay features and added content for Major League Baseball 2K8, as fans will have the opportunity this season to play the most enjoyable and authentic baseball simulation experience available.
"With Major League Baseball 2K8, our goal was to bring fans of the Major League Baseball 2K series closer to the exciting baseball action than ever before," said Ben Brinkman, Executive Producer of the Major League Baseball 2K franchise. "We read the message boards and forums, and spoke to MLB players in an effort to deliver realism and tap into what the fans want in a baseball video game. From the new pitching system, and fielding and baserunning controls, to a completely overhauled batting interface, and addition of a robust Minor League system, Major League Baseball 2K8 will deliver players a fun experience they will want to play year round."
Some of the exciting new features and added content in Major League Baseball 2K8 include:
Total Pitch Control - A new, innovative pitching interface that allows players to emulate the realistic motion of pitching a live baseball. Execution of speed and precise accuracy involves matching specific gestures and release with the right analog stick, simulating the arm and wrist action involved in throwing that particular type of pitch.
Swing Stick 2.0 - Improved batting controls that offer players unparalleled ball-to-bat contact that will be determined by timing, direction, and pitch location for a greater variety of realistic hits including grounders, blooper singles, dribblers, gappers, long home runs, and more using the right analog stick.
All-New Baserunning - Simplified controls that allow fans to easily select players with the left analog stick and guide them toward specified bases with ease.
Precision Throw Control - Provides unprecedented control over throw accuracy using the right analog stick, bringing a new level of realism to playing defense.
Full Minor Leagues - Fans will be treated to 90 authentic minor league teams, along with 18 minor league stadiums in franchise and exhibition modes.
Two of the Best Commentators in the Business - 2K Sports proudly brings back to the broadcast booth the popular duo of Jon Miller and Hall of Famer Joe Morgan, delivering the most entertaining and deepest commentary available in any baseball franchise.
**Certain features will vary between platforms.
Along with a host of other new features, Major League Baseball 2K8 includes added Signature Style animations such as new and improved player walk-ups, batting stances, home run celebrations, steps-ins and step-outs, and more to make each unique player true to life. For competitive players, Major League Baseball 2K8 allows fans to have fun while competing against each other online, testing their skills in a single game, tournament or full league season against more than one million elite online gamers in the 2K community. New online lobbies have been added to help users match up with others who want to play with a similar style, including a "Strikes Only" lobby, where pitchers can only throw in the strike zone, and lobbies where players use the advanced analog stick controls or the controls from previous iterations of the Major League Baseball 2K series.
Major League Baseball 2K8, rated E for Everyone by the ESRB, will be available in retail stores in March 4, 2008 for Xbox 360 video game and entertainment system from Microsoft, PlayStation 3 computer entertainment system, PlayStation 2 computer entertainment system, PSP (PlayStation Portable) system, and Wii home video game system from Nintendo.


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This week marks the 10th anniversary of the signing of the Agile Manifesto at the Snowbird Retreat in Utah. During the intervening decade, agile has gone from a disjoint group of practices taken from extreme programming (XP) to a mainstream approach of software development — if not the mainstream approach. Its success was due to several factors, the most important of which was that in embracing change, agile directly addressed the principal limitation of the waterfall model. In addition, the manifesto's signatories were all established teachers and trainers and so they were accustomed to reaching large audiences to spread their message. These exponents infected their students with a kind of religious enthusiasm for some techniques — especially TDD — that became the hallmark of agility and the bane of professionals using other approaches. Little by little, however, the core practices that underlay the principles — frequent releases, significant customer involvement, early and frequent testing — became part of how most developers approach their work.
During early part of this first decade, the focus of agile was on developer practices: pair programming, TDD, frequent check-ins, and continuous integration. These practices targeted the individual programmer's role in the development process.
Then, towards the end of the decade, agile began to evolve to a more encompassing target: the process. Scrum and Kanban emerged as key practices and the qualities of lean manufacturing became the guiding values going forward. Agile now referred to team processes and the way the team interacted with the technology. The most recent step in this direction is surely the migration of continuous integration to continuous deployment, as described in Jez Humble and David Farley's masterpiece, Continuous Delivery.
This was a natural and, I dare say, necessary evolution. The early programmer-centered practices were good, but not good enough to extend the revolution. Moreover, the practices were being corrupted or insufficiently applied. For example, TDD morphed from a test-first approach to one in which code was written first and the tests written immediately after. This change reflects confusion about TDD's principal goal, which is better design, rather than greater testing.
Among other practices that were unraveling was pair programming, in which two developers work side by side on the same code. Only one has a keyboard. The idea was that two programmers working together in this way would produce more, better quality code and so the cost of two developers working as one would be offset by the results. While there appears to be benefit to pair programming, it's hard to quantify; and most sites that try it, ultimately give it up.
Process-based agile, however, looks like it's here to stay. Organizations that try scrum, stay with it. Likewise, lean project management generally results in practices that are sticky; that is, once exposed to how lean works, organizations stick with it. These new directions must be expanded, in my opinion, if agile is to break into one arena in which it has gained little traction: large projects (more than 5M LOC) with multiple large teams (more than 500 total developers). Five years from now, I suspect, we'll know whether agile has breached the last redoubt of the waterfall model successfully.
— Andrew Binstock, Dr. Dobb's Executive Editor
[email protected]


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In Patch 4.3 the Darkmoon Faire is going to get a nice little revamp (details here). I've never been too big on the faire beyond abusing the vendors there to get high selling mats for cheap vendor prices that I could toss on the AH for a quick, easy profit. My lack of interest almost made me ignore the information regarding the faire, but I was bored anyway (and about to leave work for the day) so I figured I might as well take a look.
Most of what the notes mentioned weren't bad, but nothing that would get me otherwise interested in the DMF, until I stumbled onto this:
"We have adorable companion pets inludin' a fez-wearing monkey, a plethora of profession recipes, toys, balloons, souvenirs, delectable carnival snacks and beverages, heirlooms for the little ones, and even replicas of long-lost suits of armor that we're offering for your Transmogrification needs."
Unfortunately for us, there's no more mention of heirlooms in the article, so we don't know for sure what it refers to. It could be new heirlooms, it could be existing heirlooms, or it could be other items all together that they simply used the word to describe. Without the details, one can only hope and imagine.
But wait… we do have details!
Turn the page to find out more…


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From Mattycollector.com's Facebook Page!
The Goddess Has Arrived
Check out the goddess in all her glory! This fan demanded figure comes out this december 15th. Note that she is not included in the 2009 subscription, so if you want to add her to your collection, move fast!
Goddess comes with removable snake armor, corodite armor, power shield and grayskull's axe to train her warriors as well as an all new staff of the elders. Catch her before she magically disappears!


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Four years later: Cop's widow meets man who got husband's heart
(CBS News) NEW PROVIDENCE, N.J. -- Mari DiNardo counts the days since her husband passed away. Marc DiNardo was a 37-year-old father of three. The Jersey City detective was gunned down during a shootout captured on security cameras as his SWAT team moved in to make an arrest.
"It was two nights before they finally took him to surgery to harvest his organs," Mary DiNardo says. "And I listened to that heartbeat. So I'm hoping to be able to hear that heartbeat again."
She is about to meet the man who is living because her husband died.
"It's a miracle, and I just can't wait to meet him," she says. "Because Marc's still living. You know, a piece of him is living inside this man."
The heart now beats in Don Zolkiwsky's chest.
"You can't stop thinking about him," Zolkiwsky says when asked what it's like to have another man's heart in his body.
"I've had dreams consistently about the episode with the shootout," he says. "The noises, and I could almost sense what it must have been like to be in a room with a gun battle going on. That had to be horrific."
The 70-year-old knows what it's like to be in a gun battle. He earned a Purple Heart in Vietnam. A virus destroyed his heart before he received DiNardo's.
"He is like a buddy through the service," he says. "It's a bond, it's a friendship that I can't describe how the feeling is, but it's an intense one."
Four years ago, Zolkiwsky tried to put his feelings into words in a letter to Mary DiNardo.
"I can't explain it, but there is a deep sense of comfort and connection with the donor whom I've never met," he wrote. "Saying 'thank you' in person will lift some of the guilt that I carry as the survivor."
They finally met this week. A fallen hero's heart is now serving a war hero.
"You know, it may be in somebody else's body, but that was the heart that fell in love with me," Mary DiNardo says.
It is a hear that continues to beat -- for two families, forever.


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Fri, 18 July 2008
John Nichols from Nation magazine in town to stoke the fires of progressivism. Lance Izumi says bi-lingual education holds kids back....in favor of total English immersion. Sen. Ron Wieck predicts little or no genuine immigration reform from the next session.
Direct download: mickelson-2008-07-18.mp3
Category:podcasts -- posted at: 8:34am CDT


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One of the wonderful ways in which Providence acts is through the liturgy. So often, the readings offered to us by the Church for public worship are exactly what we need to hear at a particular moment in our lives. These are not coincidences — they are a way in which God reveals His truth and his will to us.
And just so, on Wednesday. That was the day that the President announced his "evolution" on the redefinition of marriage, a development that bodes ill for the religious liberty of Christians in this nation. On that day, the Divine Office presented this excerpt from the Letter to Diognetus (a work of Christian apologetics that dates from the second century) as part of the Office of Readings:
Christians are indistinguishable from other men either by nationality, language or customs. They do not inhabit separate cities of their own, or speak a strange dialect, or follow some outlandish way of life. Their teaching is not based upon reveries inspired by the curiosity of men. Unlike some other people, they champion no purely human doctrine. With regard to dress, food and manner of life in general, they follow the customs of whatever city they happen to be living in, whether it is Greek or foreign.
And yet there is something extraordinary about their lives. They live in their own countries as though they were only passing through. They play their full role as citizens, but labor under all the disabilities of aliens. Any country can be their homeland, but for them their homeland, wherever it may be, is a foreign country. Like others, they marry and have children, but they do not expose them. They share their meals, but not their wives. They live in the flesh, but they are not governed by the desires of the flesh. They pass their days upon earth, but they are citizens of heaven. Obedient to the laws, they yet live on a level that transcends the law.
Christians love all men, but all men persecute them. Condemned because they are not understood, they are put to death, but raised to life again. They live in poverty, but enrich many; they are totally destitute, but possess an abundance of everything. They suffer dishonor, but that is their glory. They are defamed, but vindicated. A blessing is their answer to abuse, deference their response to insult. For the good they do they receive the punishment of malefactors, but even then they rejoice, as though receiving the gift of life. They are attacked by the Jews as aliens, they are persecuted by the Greeks, yet no one can explain the reason for this hatred.
To speak in general terms, we may say that the Christian is to the world what the soul is to the body. As the soul is present in every part of the body, while remaining distinct from it, so Christians are found in all the cities of the world, but cannot be identified with the world. As the visible body contains the invisible soul, so Christians are seen living in the world, but their religious life remains unseen. The body hates the soul and wars against it, not because of any injury the soul has done it, but because of the restriction the soul places on its pleasures. Similarly, the world hates the Christians, not because they have done it any wrong, but because they are opposed to its enjoyments.
Christians love those who hate them just as the soul loves the body and all its members despite the body's hatred. It is by the soul, enclosed within the body, that the body is held together, and similarly, it is by the Christians, detained in the world as in a prison, that the world is held together. The soul, though immortal, has a mortal dwelling place; and Christians also live for a time amidst perishable things, while awaiting the freedom from change and decay that will be theirs in heaven. As the soul benefits from the deprivation of food and drink, so Christians flourish under persecution. Such is the Christian's lofty and divinely appointed function, from which he is not permitted to excuse himself.
Thank you, Lord, for your timely reminder that we are citizens of Your heavenly kingdom, passing through this valley of tears, and that we should comport ourselves accordingly.
Tags: Religious Liberty


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Castle Garden
If you ancestors arrived in New York before Ellis Island opened in 1892, turn to this database on 10 million immigrants who entered through Castle Garden, beginning in 1830.
Ellis Island
Search for later arrivals through the Port of New York, from 1892 to 1924, in this database of 22.5 million passenger records.
Immigrant Ships Transcribers Guild
Strike out at the big databases of New York arrivals? This guild of volunteers has tirelessly transcribed more than 8,000 passenger manifests, many from less famous ports, which you can search by surname, captain's name, port of arrival or departure, and ship name.
Another passenger-list site, boasting more than 2,000 pages of information, TheShipsList also stands out for its images of ships, ports, immigration stations and steamship-line ads.<


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|kreatinin -->
|medical dictionary
<biochemistry, nephrology> A waste product of protein metabolism that is found in the urine.
Can be measured to assess overall kidney function. An abnormally elevated blood creatinine level is seen in those individuals with kidney insufficiency and kidney failure.
(27 Sep 1997)
creatine phosphate, creatine phosphokinase, creating, creatininase < Prev | Next > creatinine clearance, creatinine clearance test
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Alicia Keys Shows Off Sideboob in Blue Dress at 2014 Grammys Red Carpet [PHOTOS]
Alicia Keys dared to bare in cobalt blue at the 2014 Grammys.
The singer and pianist wore a halter neck gown that clung to every curve as though its life depended on it. It also dipped dangerously low, and she showed off some sideboob. Keys certainly wore the gown with confidence.


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Hey all, a ToC Destiny clan has been set up.
Link: https://www.bungie.net/en/ClanV2?groupId=2135756
I apologize in advance if acceptance takes a while, Bungie.net has changed since I last used it and I haven't really figured it all out yet. Reaching out to me on Discord will be the easiest way to expedite the process, and quite frankly I'd prefer it so I don't need to do much verification [FH DIP#2843]
Destiny 2
For discussions about any other games
2 posts • Page 1 of 1
Re: Destiny 2
Is anyone going to check out Curse of Osiris DLC? It looks pretty interesting. I hope they change some things like mods system though.
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