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Tuesday, 20 September 2011 05:45 PM
The concept, named for billionaire investor Warren Buffett, would require Americans earning more than $1 million a year to pay at least the same tax rate as middle-class households. Constructing such a rule would be tricky because high earners aren't the only taxpayers benefiting from breaks; many middle- income families use deductions, credits and exemptions to drive their rates below the 17.4 percent that Buffett says he pays.
For now, the Buffett rule is less of a concrete legislative proposal and more of a political talking point that has elicited Republican cries of "class warfare." Democrats defended the idea and urged Congress to adopt it in designing a new tax system.
"We're not going to give the Congress a detailed proposal for how to meet that principle because we think there are a bunch of different ways to do that," said Treasury Secretary Timothy Geithner, adding that the details of the rule would depend on the rest of the structure of a revamped tax code.
Senator Charles Schumer of New York, the chamber's third- ranking Democrat, said on a conference call with reporters yesterday that the proposal would have broad support in his party and would be a "game-changer" in the tax debate.
'Defining Principle'
"It really works well as a defining principle, but I think it works even better as an actual piece of legislation," said Schumer, a member of the tax-writing Finance Committee. "Let's draft the language and get it scored. Let's put it on the floor and let's have a vote."
It's undetermined how much money the proposal would raise if applied to the current tax code or how many people would be affected. Senate Majority Leader Harry Reid, a Nevada Democrat, said in a floor speech yesterday that 22,000 Americans have incomes exceeding $1 million and pay less than 15 percent of their income in taxes.
"Middle-class families shouldn't pay higher taxes than millionaires and billionaires," Obama said at the White House yesterday. "Warren Buffett's secretary shouldn't pay a higher tax rate than Warren Buffett. There is no justification for it."
The example that Obama gave during his speech illustrated the difficulty of applying the Buffett principle in practice. He said that a teacher earning $50,000 shouldn't pay a higher tax rate than an investor making $50 million.
Deductions and Exemptions
Obama's example isn't as straightforward as it appears. Under current law, that teacher would have a maximum taxable income of $40,500, after subtracting the standard deduction and personal exemption. The teacher's federal income tax would be $6,250, or 12.5 percent of the $50,000 income.
The teacher's tax rate, though, would be higher if payroll taxes were included. This year, employees at that income level pay 5.65 percent of their wages, and employers pay 7.65 percent.
The middle-income tax rate would be lower if the teacher took advantage of the specific breaks available to middle-income taxpayers: those for retirement savings contributions and health-care flexible spending arrangements, and deductions for student loan interest and out-of-pocket expenses of educators.
The tax rate would be even lower if the teacher were married or had children, which would allow for a larger standard deduction, personal exemptions and a child tax credit. A married couple with two children can earn as much as $45,776 without paying income taxes this year, according to the Tax Policy Center, a nonpartisan Washington research group.
Complicated Arithmetic
As a result of those complexities, lawmakers trying to write a Buffett rule would have to make some choices about how to define a middle-income family's earnings and tax rate.
They also face complicated arithmetic for higher-income taxpayers. Assuming the millionaire investor received all of his or her income from long-term capital gains and dividends, the tax rate would be 15 percent, the preferential rate for investment income.
That rate could be much lower if the investor took itemized deductions for state and local taxes, mortgage interest and charitable contributions. It would be higher if the investor also had some wage income, which would be subject to a 35 percent top rate and at least some payroll taxes.
Writing a Buffett rule into law would require defining income and setting a minimum rate for it, said Roberton Williams, a senior fellow affiliated with the Tax Policy Center.
"Every time you set up something like this, you're opening the door for the tax lawyers to come in and get around the attempt to raise revenues," Williams said.
Buffett's Tax Bill
Buffett, the 81-year-old chairman and chief executive officer of Berkshire Hathaway Inc., said his federal tax bill last year, or the income tax he paid and payroll taxes paid by him and on his behalf, was $6.93 million.
"That sounds like a lot of money," Buffett wrote in an essay, published last month in the New York Times, that called for higher taxes on millionaires. "But what I paid was only 17.4 percent of my taxable income -- and that's actually a lower percentage than was paid by any of the other 20 people in our office."
Senator Jim DeMint, a South Carolina Republican, said on Bloomberg Television today that he wanted to see Buffett's tax return.
Several bipartisan groups, including the fiscal commission appointed by Obama last year, have proposed eliminating the preferential tax rates for capital gains as part of a tax overhaul that also would lower rates on wage income.
That approach, rather than the calculation of a minimum tax, might be the most straightforward way to satisfy the Buffett principle, Williams said.
Preferential Rate
Alan Viard, a resident scholar at the American Enterprise Institute, a Washington group that favors smaller government, disputed the idea that most millionaires pay lower tax rates than the middle class.
"One reason you have a preferential rate today for investments is because they're already taxed at the corporate level," he said. "You have to consider both levels of tax."
The Buffett rule would essentially operate as a type of alternative minimum tax.
The AMT came into its current form in the 1986 tax-code overhaul. It requires taxpayers to compare their tax liability under the regular tax code with their liability under the AMT. Because the AMT doesn't allow taxpayers the full benefits of the state and local tax deduction or personal exemptions, people who have large families or who live in high-tax states tend to be disproportionately affected.
Legal Tax Avoidance
Congressional efforts to prevent people from legally avoiding all taxes haven't been successful. In 2008, the most recent year for which data are available, 18,783 people filed U.S. tax returns with adjusted gross incomes of at least $200,000 and owed no taxes. That represented 0.43 percent of high-income taxpayers, the biggest non-payer percentage in an Internal Revenue Service study that dates to 1977.
Lawmakers could satisfy the Buffett rule by disallowing the lower rates for capital gains and dividends under the existing AMT, with a top rate of 28 percent, said Jeff Hamond, a former Schumer tax aide who is now a vice president at Van Scoyoc Associates, a Washington lobbying firm.
"That wouldn't be simple," he said. "But it could be a placeholder until comprehensive tax reform passes, and the richest Americans would definitely pay a higher effective rate than the middle class."
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Comfortable: Originals, covers vie on the Corner
Travis Elliot
at the Virginian
Saturday, July 26
I arrived at the Virginian at about 10pm, fresh from a Hook cookout, where much meat was eaten and many beverages were consumed. My current state left me inclined more for bed and a good book than some live music, but as my deadline loomed, I threw off my haze and... ordered my first drink (at least at the Virginian)– which was probably a mistake in retrospect.
Erroneous start time information led to trademark Grabowski wallowing in his liquor for about an hour, and un-stereotypically constantly watching the major league soccer game playing to my left (the guys in black seemed to be winning).
At about 11pm, Travis Elliot, who had been setting up his sound system and seemingly waiting for the crowd to pick up (which it did, going from five people to about 15 at around 11), launched into his first tune with an acoustic guitar draped across his lap.
Elliot has a good strong voice, and although he's not especially inclined to theatrics, or pushing the envelope of his vocal cords much, his style is very comforting somehow, like an old pair of shoes (something you could also say about the Virginian as a whole, come to think of it).
The first song turned out to be "You Were the Fool," a song by the wacko-folk/rock group Ween, and Elliot pulled it off with consummate ease. From the first line of "Bless the father, bless the son/ Cross your heart 'cause you're the one" to the last ringing chords, the singer/songwriter made the piece his own, removing most of the "Ween-sheen" of the original (fans of the group know what I'm talking about).
It turned out Elliot was following a pattern of playing a cover, then an original, followed by a cover and so on, and his next song, which featured the repeating opening verse line, "I've created a monster," was fabulous (that line alone is priceless, as who hasn't felt the same, from a relationship point of view?). On the chorus, Elliot's voice took off, putting his previous vocal range to shame with "I really like my head where it is" sung with high, sure sounding bravado.
The next cover was the exquisitely chosen "Waltz #2" by folk singer Elliot Smith, a song which features what I feel is one of the best couplets ever written "She shows no emotion at all/Stares into space like a dead china doll." Elliot's voice took on a tone that at least partially resembled Smith's during the song, which seemed to be no problem for the able guitarist/vocalist.
From there, the evening seemed to fly by, with Elliot's cover of the Flaming Lips' song "Are you a hypnotist?" and his original "Rainbow"– a song which featured an extremely sonically pleasurable verse in which the melody and beat played off each other– standing out as highlights.
Elliot plays the Corner all the time, and if you're in the right mood for wallowing or a heart-to-heart with a friend or lover, he will provide a great soundtrack for the evening.

subset: commoncrawl


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Northwesterners are paying attention to the fiery derailments hitting other parts of North America where the oil-by-rail boom is underway.
More and more crude oil is moving across the Northwest by train. But railroad and oil companies are not required to disclose much on shipments or response strategies. That's leaving state officials without information needed to prepare for an oil train mishap.
How many trains of oil are moving through a given region at any given time? What kind of tank cars are being used? What are the companies' strategies should a train derail or explode?
These are questions nobody would have raised a few years ago in the Pacific Northwest.
But a boom in the land-locked Bakken oil fields of North Dakota has oil companies turning to the rail industry to move more oil than the country's pipeline infrastructure can carry.
And the increasing use of these rolling pipelines has been accompanied by a series of derailments — from last summer's deadly explosion in Quebec to a series of train explosions just before the New Year in North Dakota and this week in New Brunswick.
The explosions and derailments prompted two key Senate chairmen — energy panel head Ron Wyden of Oregon and transportation committee chief Jay Rockefeller of West Virginia — to send a letter Thursday to the Obama administration urging consideration of tougher safety standards.
In 2007, U.S. railroads carried just under 6,000 car loads of crude oil. By 2012, railroads were moving 234,000 car loads of it per year, according to the Association of American Railroads trade group. That amount, and the portion of it moving through the Northwest, could increase further if legislators pushing to end restrictions on crude exports are successful.
The railroad industry maintains that more than 99 percent of hazardous materials reach their destination safely. But the surge in shipments of Bakken crude, a particularly flammable substance that catches fire at temperatures as low as 73 degrees Fahrenheit, has included a string of explosions. The latest two occurred on Dec. 30 in Casselton, N.D. and on Tuesday in New Brunswick, Canada.
NTSB Board Member Robert Sumwalt views damaged rail cars on scene of BNSF train accident in Casselton, N.D. Credit: NTSB/Twitter
Both of those explosions involved the shipment of crude oil in a black, cylindrical tanker known since the early 1990s to have dangerous design flaws and be subject to "catastrophic loss of hazardous materials." The tanker, known as DOT-111, was the subject of a study by the National Transportation Safety Board in 1991, which found it was twice as likely to be punctured as other cars studied. Its poor performance was highlighted in four different oil by rail accident investigations since then, prompting a letter to the Department of Transportation in 2012.
The Association of American Railroads established guidelines for updated cars in 2011, and has since petitioned the DOT to require higher standards for new tankers as well as the retrofitting or phasing out of old tankers. DOT is gathering recommendations for updated standards for these tanker cars, but no regulation exists for removing the old cars from the rail system. Outdated DOT-111 cars still account for roughly 85 percent of the 92,000 tank cars hauling flammable liquids across the country.
How many of those tank cars are moving through the Pacific Northwest? The state agencies involved in rail safety and spill cleanup receive next to no information from rail or oil companies on the topic.
Ask the Oregon Department of Environmental Quality for this information and Bruce Gilles, Manager of Cleanup and Emergency Response Programs, can estimate one to three trains per week travel through Oregon based on 600,000 barrels coming out of the Clatskanie terminal, the endpoint for most shipments.
But as to more precise numbers or what kind of cars they are, "I can't attest to that at all," he said. As for whether any state agency knows, he said, "I don't know. I don't think so, but I don't know."
Ask the Oregon Department of Transportation, and rail safety manager John Johnson explains the rail companies don't have to report that to his agency.
"I don't know who exactly they report to," he said. "I can speculate but other than that, that's all I know."
Both agencies deferred to the federal government on the topic. The Federal Railroad Administration declined an interview request and referred EarthFix to the Association of American Railroads. Holly Arthur, a spokeswoman for AAR, explained that railroads provide local emergency management with a list of the top-25 hazardous chemicals transported through the region on an annual basis, but do not disclose exactly how much material is moving and when, for security reasons.
"So without knowing what moves in your community, it would be impossible to know in Oregon how many are of this incrementally improved iteration of these tank cars, it's just impossible to know," Arthur said.
In Washington, at the state Department of Ecology, Spills Program Manager Dale Jensen has a more definitive answer. He estimates three to four oil trains per week through the state, and adds that the rail industry has shared what types of cars being used.
"They've shared with us that they're using the DOT-111A," Jensen said. "They're a double-ended tank car. It's the highest level of safety of the rail cars that are being manufactured right now. They have roll over protection and valve protection. There isn't 100 percent assurance but certainly it's the highest level of protection in rail cars manufactured today so that's good news for us here in Washington."
What is the difference between the DOT-111 and the DOT-111A Jensen describes?
According to the National Transportation Safety Board, "The short answer is there is no difference," spokesman Keith Holloway said. "DOT-111 is abbreviated for the longer number for these type of cars. The integrity requirements, crash worthiness and design are the same."
The DOT-111A, mentioned explicitly in the 1991 NTSB report, was the type of car involved in the July explosion in Lac Megantic, Quebec, that killed 47 people. Only new or retrofitted DOT-111A cars meet the latest industry standards.
Oregon and Washington state agencies have no statutory or regulatory control over what passes through the states and how, even if they did have more information on which to act.
"That's certainly a gap at our state level is the authority that we have at regulating railroad cars," Jensen said. "These unit trains can come into our state, carry crude oil, along our rivers and streams to their destination and at their appointed destination, at the facility, that's where my authority begins."
State officials say they would benefit from more transparency from rail and oil companies when preparing for oil-by-rail accidents.
In November, emergency responders from the region gathered in Portland to discuss the increase of oil shipments through the region and the increased potential for spill that accompanies it. The meeting included the U.S. Coast Guard, the Environmental Protection Agency, environmental agencies from Oregon, Washington and Idaho, and oil companies and railroads. Railroads are required to keep their own response plans.
BNSF Railway declined an interview for this story, but said via email that the company participated in 20 training session for local emergency responders in Oregon and Washington last year and has invested in new spill equipment that will be placed between Pasco and Vancouver, both Washington cities on the Columbia River.
Aaron Hunt, spokesman for Union Pacific Railroad, said the company has identified every fire department along its rail line and communicates regularly with each. He also noted that the crude Union Pacific currently transports through Oregon is not Bakken crude.
"We communicate with them regularly," Hunt said of local emergency management agencies. "And we feel confident that they are well prepared to respond to an incident should there be one."
The state agencies charged with preparing response plans say they have gotten little information on the companies' response strategies.
"They've got their own geographic response strategies put in place for their rail lines that they haven't shared with the folks here in Oregon and our federal partners, because they're not regulated," said Bruce Gilles of the Oregon Department of Environmental Quality.
At the November meeting, Gilles said, they established the importance of engaging the rail and oil companies, and that those companies indicated they were willing to be more transparent about their response strategies to help create a single, comprehensive plan.
The groups have not met — nor communicated much — since, Gilles said.
Gilles said his agency is expected to finalize a task force within the next week that will be designed to get more information from rail and oil companies about shipments of crude through the state. That task force's work would be completed by summer, he said.
In Washington, state Rep. Jessyn Farrell, D-Seattle, is introducing legislation this session that will require oil and rail companies to regularly update state agencies about oil train routes and quantities of oil moving through the state.
"Fundamentally, communities have a right to know when a substance that potentially is very dangerous is coming through the community," Farrell said.
She does not expect an easy sell in the legislature: "Whenever we are taking on interest groups, particularly the oil industry, it's really hard to win."
At the federal level, The letter from Wyden and Rockefeller comes after Oregon Rep. Peter DeFazio's call for a hearing to investigate the safety of rail cars used to transport hazardous materials.
DeFazio wrote to the House Transportation & Infrastructure Committee that "a rulemaking process will take months, if not years and I don't think Congress should wait. The Federal Government must ensure that the rail cars being used to ship crude oil from the Bakken region will keep the crude oil contained, controlled and the public protected when accidents inevitably occur."
Oil Terminals In The Northwest
Click markers for details. Blue: proposed. Red: underway. Yellow: canceled.


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I am going to release the draft of the Sun Trust analysis in pdf form for registered users. It hasn't been reviewed, but since STI is moving so fast, and I am short on time I decided to offer it to the blog early. I started my position in the mid fifties, and it has dropped precipitously, just like nearly the entire Doo Doo 32 list. One of the things that took my time was the BoomBustBlog Boat ride up the Hudson to the Pallisades. Sorry I was so late fellas, lots of fog and safety first (and I'm always late). Below is Cap'n Vic, who takes the credit for shepherding us safely through the condo ridden waters of NYC's Hudson River.
I was able to show the BoomBustBloggers, most of which flew in from out of the country and out of state for the financial brainstorming and chit chat, how the myth of NYC's immunity to a real estate downturn was just that, a myth - or at least that was what was communciated by the big blogger himself. See "On the NYC Real Estate Front" then look at the West Side Highway which is the street that leads up to where we met to board the boat.
Cranes in the background building more condos...
And here we have even more condos...
Oh no! What do we have here, more condos!!!
Look closely, can you see what banks are financing these???
These are all within viewing distance of the docks, and there are many, many, many more. Guess what we will have an oversupply of in the bulletproof home of the world's financial center that is laying off tens of thousands of financial execs and back office support. Go ahead, I bet you can't guess. Its expensive, the most expensive in the country, and there is more of it than jobs to go around to pay for it, and it takes gobs and gobs of bank money to build. Go ahead, guess...
And here are some of those handsome, debonair BoomBustBloggers who didn't even know that their BoomBustBlog researched accounts were being heavily fortified by the market facing reality via 30 point plus drop in the broad market and the psychological significant but empirically irrelavent near 400 point drop in the Dow - as they cruised up the Hudson... Even the shy ones...
We discussed politics, Obama vs McCain (you know what that brought about), peak oil, pharma and biotech, true and effective housing price inflation vs nominal, options and strategies, banking and finance, builders, gentrification and hard work. All in all, an enjoyable and fruitful day, fellas. I will be scheduling another trip for approximately this time next month.
The Asset Securitization Crisis Analysis road-map to date:
- Intro: The great housing bull run - creation of asset bubble, Declining lending standards, lax underwriting activities increased the bubble - A comparison with the same during the S&L crisis
- Securitization - dissimilarity between the S&L and the Subprime Mortgage crises, The bursting of housing bubble - declining home prices and rising foreclosure
- Counterparty risk analyses - counter-party failure will open up another Pandora's box (must read for anyone who is not a CDS specialist)
- The consumer finance sector risk is woefully unrecognized, and the US Federal reserve to the rescue
- Municipal bond market and the securitization crisis - part I
- Municipal bond market and the securitization crisis - part 2 (should be read by whoever is not a muni expert - this newsbyte may be worth reading as well)
- An overview of my personal Regional Bank short prospects Part I: PNC Bank - risky loans skating on razor thin capital, PNC addendum Posts One and Two
- Reggie Middleton says don't believe Paulson: S&L crisis 2.0, bank failure redux
- More on the banking backdrop, we've never had so many loans!
- As I see it, these 32 banks and thrifts are in deep doo-doo!
- A little more on HELOCs, 2nd lien loans and rose colored glasses
- Will Countywide cause the next shoe to drop?
- Capital, Leverage and Loss in the Banking System
- Doo-Doo bank drill down, part 1 - Wells Fargo
- Doo-Doo Bank 32 drill down: Part 2 - Popular
- Doo-Doo Bank 32 drill down: Part 3 - SunTrust Bank
- The Anatomy of a Sick Bank!
- Doo Doo Bank 32 Drill Down 1.5: Wells Fargo Bank
- GE: The Uber Bank???
Here is the full Sun Trust Forensic Analysis (17 pages) Sun Trust Bank Report (391.89 kB 2008-06-27 08:09:31), and the following is an excerpt:
Banks continue to reel amid rising loan delinquencies and foreclosures in the US, which reached record levels in the first three months of 2008, and difficult operating environment. Housing sector woes are not showing any signs of abating and witnessed the steepest ever price decline of 15.3% y-o-y in April 2008. Unemployment levels, which increased the highest in last 22 years, soaring commodity and energy prices, and high inflationary conditions have dampened consumer confidence and caused serious slow-down in economic activities. The problem in the housing sector has spilled over to other sectors and credit spreads continue to widen off risk aversion caused by inflationary conditions and fear of US recession.
SunTrust Bank (SunTrust), having almost 60% of its loan portfolio in real estate, with large concentrations in troubled geographies like Florida and Georgia, has witnessed a significant increase in loan losses and charge-offs in the recent quarters. The problem is expected to hurt the bank the most among its peer group as SunTrust is plagued with one of the lowest capital ratios and continues to maintain a higher dividend pay-out ratio than most of its peers. Amid continuing expectations of higher loan losses and mark-to-market losses off widening of credit spreads in the coming quarters, we expect bank to raise funds in the near-to-medium, which might result in dilution of its equity, and to sell its investment in Coca-Cola. Further, we expect the bank to witness compressed net interest margin (NIM) in 2008 and 2009 over the 2007 levels off expectations of interest rate increases by Fed towards the second half of 2008. These combined with slow-down in non-interest income, higher charge-offs and mark-to-market losses will drag SunTrust's valuation to $28.5 per share from the present level of $37.40 (as of June 24, 2008), in our view.
II. Key points
Razor-thin capital ratios: At the end of 1Q2008, SunTrust had one of the lowest regulatory ratios in the industry, with tier 1 capital ratio and total capital ratio of 7.25% and 11.0%, respectively. With an increase in charge-offs caused by higher loan delinquencies due to declining housing prices, the current capital ratio doesn't seem to provide adequate cushion for the bank to sustain losses. As the bank embarks on measures to raise additional capital, dilutive effect could drag its valuation to lower levels.
Exposure to troubled sectors: SunTrust has nearly 60% of its loan portfolio in the real estate sector which is being plagued by rising delinquencies amidst falling housing prices. Charge-off on real estate loans witnessed a remarkable surge to 1.25% in 1Q2008 from 0.18% in 1Q2007 and 0.07% in 1Q2006. As housing problems are expected to continue to persist in the near-to-medium term, we expect charge-offs to continue to rise and peak-off in 2Q2009. As a result we expect the bank's earnings to remain under considerable pressure.
Higher provisions to put a strain on banks earnings: As a result of rising NPAs and charge-offs, SunTrust has increased its provisions to cover its expected loan losses nearly 10 times to $560 mn in 1Q2008 from $56 mn in 1Q2007.
SunTrust's rising provisions are eroding its earnings. In 1Q2008 SunTrust's net interest income (after provision for loan losses) declined 47.7% y-o-y to $0.58 bn primarily due to an increase in provisions. However, despite higher provisions in the recent quarters, total allowances at 1.25% of the total loans as against 1.88% of NPAs seem inadequate. We expect SunTrust's provision for losses to increase in the coming quarters due to increased charge-offs on home equity, and residential and construction loans.
Growing proportion of NPAs a cause of concern: SunTrust's NPAs increased to $2.3 bn (or 12.6% of shareholder's equity) at the end of 1Q2008 from $0.75 bn (or 4.2% of shareholder's equity) at the end of 1Q2007, with residential mortgages NPAs witnessing the steepest rise to $1.3 bn from $0.4 bn. However, despite a rise in NPAs, reserves-to-NPAs declined to 0.67x from 1.39x in 1Q2007 implying that the bank has not been able to create adequate provisions to the corresponding rise in NPAs.
Contracting net interest income margins: As Fed responds to rising inflation through rate hikes, banks' NIMs are expected to contract from the present levels. SunTrust's NIM had declined to 2.83% in 1Q2008 from 2.97% in 1Q2007. In addition to margin contraction, lower growth of high yielding riskier assets compared to deposit growth would be a double whammy on the bank's net interest income. SunTrust's net interest income declined 2.1% to $1.1 bn in 1Q2008. We expect the bank's net interest income to continue to decline 2.0% and 0.1% in 2008 and 2009, respectively.
Higher mark-to-market write-downs to continue to be a drag on the bank's earnings: SunTrust's hard to value level 3 assets, which are the most illiquid securities, grew 495% over 1Q2007 to $4.5 bn at the end of 1Q2008 partly off purchases of level 3 assets and transfer of assets from level 2 to level 3 due to unobservable market inputs. As the liquidity in the credit markets dries up and spreads widen due to increased risk aversion, banks could see further write-downs in their loan portfolio. In 2007, SunTrust recorded a $700 mn valuation adjustment, with 4Q2007 alone contributing $555 mn of valuation adjustment. As Fed raises rates and economic problems worsen, SunTrust's credit spreads will widen off increased write-downs with an estimated valuation loss of $1,345 mn and $442 mn in 2008 and 2009, respectively
Noisy quarter for SunTrust to start 2008 performance: SunTrust's net income declined 46.2% to $269 mn from $499 mn in 1Q2007 with a reported EPS of $0.81 in 1Q2008 compared to $1.40 in 1Q2007. However, the 1Q2008 EPS included several non-recurring items including $86 mn of visa IPO gain, a $89 mn gain on sale of lighthouse, $37 mn gain on corporate real estate and $18 mn gain on mortgage production income, impacting the banks post tax EPS positively by $0.50 in 1Q2008. On the other hand, 1Q2007 EPS was impacted by a $32.3 mn gain on lighthouse and a charge of $13.8 mn related to implementation costs associated with E2, impacting banks 1Q2007 EPS by $0.04. Overall, SunTrust's EPS (adjusted for non-recurring gains) for 1Q2008 declined significantly to $0.31 compared with $1.36 in 1Q2007.
III. Valuation
We have valued SunTrust based on a weighted average of price-to-adjusted book value (P/B) excluding intangible assets, price/sales (P/S) multiple and DCF approach with weights of 0.85, 0.05 and 0.10, respectively. SunTrust's valuation based on price-to-adjusted book value (P/B), price/sales (P/S) multiple and DCF approach is $34.3, $34.1 and $18.6, respectively, translating into a weighted average share price of $32.72 implying a downward risk of 12.5% from the current market price of $37.40 (as of June 24, 2008). However, including the dilution impact considering an increase in tier 1 capital of $0.5 bn and $2.7 bn to maintain tier 1 capital of 6.0% and 7.5%, respectively, SunTrust's valuation per share based on adjusted book value per share comes to $32.2 and $28.5, respectively representing a downward potential of 10.5% and 20.8%, respectively....
Download the pdf to see why we think that STI is full of it in regards to their not having to cut their dividend. The way I see it, there is no prudent way around it (emphasis on the word, "Prudent").
I am on the road now, but when I am stationary I will add highlights from the proprietary model to this post in order to illuminate the fact that the market has yet to fully price in STI's woes.


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The GBT-212 is for testing acoustic glass-break detectors. It detects the air pressure changes caused by the flexing or bending of glass and then automatically generates sound imitating the breaking of the glass.
The BL-MCB is a USB programmer for updating software in CAN BUS modules or reading the current software version in a CAN BUS module.
Used for diagnostics/setting CA-340 Nestor car alarms. Carlink SW makes installation/settings easy, also adding remotes/detectors and checking alarm input statuses and events. The CA-340PRG connects to a PC via a USB port and wirelessly to the alarm.
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The Unthinkable: Moving From Ubuntu to Debian 5 Lenny
This is an older post, for up-to-date Debian tutorials visit our Debian Tutorials section.
I am thinking the unthinkable…..I am considering changing from Ubuntu 8.10 for my desktop to Debian 5. I have been running the Debian 5 Lenny candidate for awhile and have bee very pleased with the stability and features. It actually functions and acts more like the distribution I need and work on than Ubuntu. Not so say that Ubuntu is bad, just that I typically do not need or use the latest applications. I mainly work on my Linux desktop for about 60 hours a week. So I really need something I can count on. Again, not that Ubuntu has let me down, it has never really crashed on me but I do struggle with bugs from time to time. I use my GUI desktop to work from as I manage Linux servers, either Ubuntu or CentOS.
Buy Debian Linux on DVD or CD
1. Stability
Debian has a philosophy that is more like Red Hat/CentOS in that the focus is more on testing to insure stability of the whole system than to provide the latest and greatest applications. I am weary of checking bug reports for Ubuntu, especially on the server end. In one recent week working on Ubuntu servers I had to work through 3 bugs that cost me a lot of time and energy that could have been spent elsewhere. Every time I talk about bugs in Ubuntu I get riddled with attacks, but what I have discovered is that most of the attacks are emotional responses from people attached to Ubuntu but not those who spend 20-30 hours a week working on configuring and managing Ubuntu servers. Sorry but Ubuntu needs to do a better job on the server end in terms of testing.
2. Security
Basically the security issue is the same as stability. It is even more important now in terms of servers. Security is always related to the testing of applications, that is where many of the security issues develop. This is where Debian 5 has done more testing, at least from what I can see and ascertain than is done with Ubuntu. Debian seems to take security more serious that Ubuntu. I remember writing an article on how it was unthinkable for me to see the first Ubuntu desktop with no firewall option at all. Or even worse, calling the UFW firewall "uncomplicated" in current versions of Ubuntu. I am happy to write an iptables firewall and be done with it.
3. Simplicity
I do not need many features, in fact I can easily be happy with a system that has less features. I am tired of the bloated desktop that takes CPU cycles but that I do not use. I am probably looking at moving to Fluxbox on Debian. I see where some have labeled the icons of Debian as the worst on the planet, well not quite but they are not as nice as Ubuntu but so what?
4. Scope
Debian comes with 18,733 packages. Debian 5 Lenny will have 5 DVDs to download with those packages, that is simply beyond any other distribution. The scope is not just in relationship to the packages that are offered, these packages are maintained by volunteers who cover the globe providing insight and thinking from various cultures and backgrounds. Of course I recognize that all distributions are international in scope but Debian 5 is a group of volunteers which separates them from a group of paid programmers run by a corporation.
5. History and Purpose
This paragraph from the Debian web site sums up the history and purpose of Debian. Now certainly it has not been a golden road of tranquility, as there have been problems, but for the most part this purpose is seen throughout the distro.
"Debian was begun in August 1993 by Ian Murdock, as a new distribution which would be made openly, in the spirit of Linux and GNU. Debian was meant to be carefully and conscientiously put together, and to be maintained and supported with similar care. It started as a small, tightly-knit group of Free Software hackers, and gradually grew to become a large, well-organized community of developers and users"
All in all, some of this may be a result of having used Ubuntu for several years and yearning for a change. But I think now is the time as Debian 5 Lenny is on the way.
February 8, 2009 at 7:34 am
interesting post.
In relation to point #3 – simplicity,
I am using command-line install of ubuntu (from the alternate CD).
that way you get a lean machine of 600 MB.
(you need to install X, window manager and any other package you need).
February 8, 2009 at 9:40 am
to be honest, i don't take it as unthinkable 😉
it is very feasible and a good idea in many ways.
for desktop everyday use i still think debian stable sometimes get a bit too old, but if you use just some specific applications, its stability pays off.
i'm using ubuntu for about two months now and i can't wait to get back to debian (as soon as lenny is released 😉
it is not unthinkable, or at least you're not alone!
February 8, 2009 at 10:34 am
I switched back to Debian from Ubuntu after the disaster that was 8.04 was released. Unfortunately, Debian testing came up with a bug in the intel graphics driver which caused random crashes of Xorg and left the GPU in an unusable state until a power-off.
I switched back to Ubuntu for 8.10, but am still generally unhappy with the Pulseaudio situation and will try Lenny when it's released next week.
February 8, 2009 at 11:26 am
Welcome to Debian!
Just a quick correction, though. You state in your post that Debian has 18k+ packages. Well, although this number seems to be the what most take as real, according to this post current stable (soon to be oldstable) release Etch has 23k+ packages, while Lenny has 28k+ and sid (unstable) already has 30k+ packages!
Now THAT is something you are yet to see in any other OS or any other project!
Cheers, mate! Enjoy your stay in the Debian community! I hope it lasts!
February 8, 2009 at 2:26 pm
I moved from Kubuntu 7.04 to Debian Testing and have been very happy!
February 8, 2009 at 4:03 pm
It is not to think the unthinkable is just a normal step, because Ubuntu is just a small part of Debian so it's better to enjoy the full experience.
February 8, 2009 at 5:10 pm
I have also make the move from Ubuntu to Debian Lenny. Ubuntu is too unstable, things that work in one version are broken in the next.
I'm more attracted to Debian's rolling release format. Great system, I'm loving it!
February 8, 2009 at 8:05 pm
Welcome on board to Debian, It is a great Distro, I also use mainly Debian Lenny as my Desktop Linux.
You may be interested in reading this posts I have write.
http://www.go2linux.org/debian-ubuntu-centos-fedora-comparison Comparison and some facts about 4 Distros
http://www.go2linux.org/installing-a-light-linux-operating-system-debian-fluxbox a Light configuration of Debian, based on Fluxbox
February 8, 2009 at 9:37 pm
If you don't use or need the latest and greatest, then why are you on 8.10? Why not just stay with 8.04. This is pretty much exactly why they have an LTS version of Ubuntu.
Of course, Lenny will be more up to date and really ought to be better than 8.04. But then, 8.10 will be an LTS version a few months down the line. Really, it's more a matter that Debian and Ubuntu LTS are just on different release schedules. At any given point, the latest one is probably the better one IMO.
I feel the best approach is to keep critical machines and servers on the LTS and save the in-between releases for a machine that I can experiment on and try out the new stuff and test.
February 9, 2009 at 1:03 am
When I started my last sysadmin job I installed Ubuntu like most of the guys on the team (one used CentOS, one Debian, 4 used Ubuntu.) Whilst it was good, my first experience using a Linux desktop full time, some of the bugs could get really frustrating. After hitting up against another one of the bugs and getting cheesed off with it, the Debian guy suggested switching over. I did and discovered "It just works"
It was a source of frustration for all of us that we couldn't run Debian on our servers. Hardware support was a challenge, plus the version of the software was often too far behind what was actually needed. We really needed something somewhere between the two. More up to date but with that dedication to QA that we just don't get from Ubuntu.
February 9, 2009 at 4:02 am
I just made this exact move on my laptop a couple of days ago and let me tell you– night and day difference. What Ubuntu has really lacked lately is an over-arching consistency, IMHO. Things work in this version, but not the next, only to work again +2. Nothing against Ubuntu, that's just the nature of the beast. Despite everything that has surrounded Debian as of late nothing can take away from it being absolutely rock-solid.
be good to each other,
February 9, 2009 at 7:29 am
I've been experimenting a lot with different distros in the last time, since for one I wanted to avoid some bugs which where present only in ubuntu, not in other distros, and also to get a different perspective on linux desktop computing. I'm using fedora core 10 at the moment and I am very pleased with it. Pretty stable and solid, even though it is as up-to-date as Ubuntu 8.10. It also has very nice security features like an integrated firewall and selinux tools.
I also tried Lenny for a while, but it was a little to outdated for my laptop. It's a rock-solid, stable OS, but if you need newer package versions or kernels you are basically on your own. I discarded it, because I could not use all my hardware with it and Fedora has everything I love about debian: a great package management system, frequent security updates and an active community. While Ubuntu is a great OS for desktop computer, I would always recommend Fedora for workstations.
February 9, 2009 at 11:29 am
Not unthinkable, just different needs. Not everyone needs cutting edge features or tailored usability. Debian is a good, reliable workhorse and does the job it was meant to do with little fuss or glitz. WRT security, however, you're missing the mark. All Linux distros come with a firewall, it's just that not all come with a firewall GUI. Ubuntu deliberately made the decision that the firefall should be optional, because all ports would be closed by default. If the user wished to do something, like share a folder, the user would be given the option of opening the port without having to go to a firewall GUI. This approach is both safe (since everything is initially locked down) and usable (since services requiring a port change help you diagnose and fix any issues).
February 9, 2009 at 12:05 pm
"I discarded it, because I could not use all my hardware with it and Fedora has everything"
Did you check if the drivers you need are in the repository as a separate package? Debian Lenny has Linux kernel version 2.6.26 so hardware support is well up-to-date. AFAIK Fedora 10 has Linux kernel 2.6.27 which is only one version newer than what is in Lenny.
"if you need newer package versions or kernels you are basically on your own"
As usual, newer kernels etc for the Lenny will be made available in the backports.org after the release of Lenny. Also do remember that Debian project is planning to make LennyAndAHalf release someday in between of Lenny release and Squeeze release. LennyAndAHalf will bring new updated hardware support to Lenny.
Same was done with Debian Etch. Etch was originally released with Linux kernel 2.6.18. EtchAndAHalf was released with kernel 2.6.24. There is alse kernel 2.6.25 and 2.6.26 available for the Etch in the backports.org.
February 9, 2009 at 1:43 pm
Not sure why the move would be considered "unthinkable". I have been using Testing for several years and have tried to use Ubuntu but find myself incredibly frustrated when using it. Ubuntu is fine if you can close your eyes and use the computer, but if you need to even peer under the hood, forget it. That's OK because that's what it was designed for: simple to use and you don't have to think about it. Give me the flexibility and power of Testing anytime over having someone hold my hand.
February 9, 2009 at 3:01 pm
I'm currently using MEPIS which is based on Debian stable. The project head Warren Woodford tried to use Ubuntu as a base for a release but decided etch was more stable and easier to upgrade between Debian releases.
February 9, 2009 at 4:38 pm
Unthinkable? Ubuntu and Debian are so alike the two can be considered parts of a bigger whole. Debian makes a great desktop, it's actually pretty easy to use and it's been that way for at least 5 years. Linspire, Xandros, Mepis, Ubuntu, Kubuntu, Xubuntu… all easy because Debian is easy.
"I also tried Lenny for a while, but it was a little to outdated for my laptop. It's a rock-solid, stable OS, but if you need newer package versions or kernels you are basically on your own."
That's just plain BS. Disregard such nonsense. If you need newer versions of packages, you can run a "mixed system" (see the apt-howto) and pull the packages you need from testing or unstable (sid). There's also the backports repository. Really, if you're advanced enough to know that you need the latest and greatest, you know what you're doing and can compile a few packages from source.
Debian stable has Linux kernel 2.6.18, which is fine for mere mortals like me, but backports has 2.6.26, just an apt-get away, is that recent enough for you?
Debian: the last operating system you'll ever have to install. Not hyperbole. =)
February 10, 2009 at 3:21 am
I moved to Debian Testing after Ubuntu latest kernel update caused a fatal kernel panic that made my system useless (it affected old kernels too), and I'm quite happy I moved to Debian.
Like I used to do in Ubuntu, I did a custom install, the difference is that everything in Debian just works. The resulting system is smaller in size and footprint and package dependencies are handled way better (there aren't useless localizations listed as dependencies and while orphaned packages are the rule after a removal in Ubuntu, I have yet to see an orphaned package in Debian.)
There's no point in comparing Debian Stable and Ubuntu LTS for the latter was created from a snapshot of Debian Unstable and will/might only be stable after some time (the fact that you support a package for various years doesn't make it stable at release.) The last Ubuntu LTS (8.04) was buggier than 8.10. In contrast, Debian Stable is, well, stable when it comes out. Packages had been tested before release and will be even more mature during the years the new version is in development.
For those who want newer versions of applications, try Debian Testing and/or Unstable. Despite their name, they're more stable than any popular distribution.
February 10, 2009 at 7:28 am
Don't get me wrong, I really like Debian, I've been running it on my desktop for a long time and it worked just as it was supposed to. Still, I don't like installing packages from unstable repositories, because they are capable of messing up your system and are not well maintained. Furthermore even the unstable packages are not really up to date. For example it's been a couple of months since gnome 2.24 is out and it is still not available completely in debian.
The current Kernel version is 2.6.28 and there are even daily packages of 2.6.29rc for Fedora Core 10 which work just fine. There have been many improvements to ACPI for example which make my laptop's battery run 1.5 hours longer than with older version.
But sure, if you have all your programs running in the versions you like running in Debian, I do recommend it. My point was just that Fedora (Desktop) shares many greate aspects of Debian (Desktop) and because of this you might want to consider it. (The downside of Fedora is of course, that they don't have LTS for older versions)
February 10, 2009 at 9:12 pm
I mean it's not like they're apples and oranges. More like a Red Delicious vs a Baldwin. I use Ubuntu 8.04 on one box and a Net install of Lenny with Xfce on another, more resource challenged, machine. I like them both. I don't really look at it like one is better than the other. They just taste differently.
February 11, 2009 at 12:11 am
I'm not here to tip my had or say "well done". I have been a Debian user for eight years and I have no intention of changing.
I've heard that Henry Ford used to say (about the model T) that you could have any color you wanted as long as it was black. That is the M$ mindset.
Pick a distro that suits you. This is Linux and it can be whatever you want it to be.
February 11, 2009 at 12:12 am
i feel that the people don't really appreciates ubuntu using for a long time i can says it is one of best distro is first stable, it has some bugs but it is not as buggy as debian, easy install, very easy to use
Last time i tried to install kde 4 in debian , it didn't work it crashed and did not get the gui, i had to revert back to kde 3
February 11, 2009 at 12:53 am
You should give Mepis a try, it's currently is using Debian Lenny. Mepis also switched from Ubuntu to Debian a while back for similar reasons I believe. v8 final will come out w/n next couple of weeks (when Lenny is out).
February 11, 2009 at 12:39 pm
I recently did the unthinkable, also, and switched from Debian (Etch) to CentOS. But IMHO they're both quite good. The only difference is that CentOS' Long Term Support lasts 7 years.
February 11, 2009 at 2:11 pm
@Andrey, wake up! How can you write '(Ubuntu) it is not as buggy as debian'?
If there's a word to define Debian that's precisely stability.
Besides, Ubuntu is just a snapshot of SID plus some make-up.
February 12, 2009 at 7:08 am
ArtInvent said "But then, 8.10 will be an LTS version a few months down the line".
Sorry, but you obviously have no idea about how Ubuntu versions work. 8.10 will never be an LTS version. Releases do not change to or from LTS status. (8.04 is and will remain LTS.)
February 18, 2009 at 3:27 pm
Been using Ubuntu (server and desktops) and Fedora on my gaming rig for a few years now, and before that I was on Gentoo and Sabayon. I have toyed around with Etch a few times but it has no wow factor at all. I will probably put Debian on the server eventually but honestly, Ubuntu 8.04 has never ever given me any problems on it. I suppose there is something to be said of Debian's stability and security focus over Ubuntu but the same could be said of Fedora and CentOS. I definitely agree with some posters above about F10 as it has been absolutely fantastic and a real joy to use. No troubles with it at all and Packagekit works actually even better than Synaptic. If Fedora had a rolling release or some type of LTS release then I would switch to that in a heart beat. That said, Lenny gets a shot on my gaming rig next (replacing F10), and we shall see how he compares. Maybe I will write a review of Lenny vs. F10 vs. Ubuntu after that because no review is worth the time it takes to write it unless you have used that distro for more than 6 months of continuous use on a production machine!
February 26, 2009 at 8:42 am
I have also made the move from Ubuntu 8.10 to Debian Lenny. As mentioned they are very similar but with stability a greater goal of Lenny over 8.10. And when it is used for all your working day this stability is important. I had previously used Ubuntu 8.04 and made a mistake moving to 8.10. It was not a bad release, just not quite as reliable.
Happy now on Lenny, and not planning to change.
March 26, 2009 at 1:24 pm
Hi, regarding your point about debian icons. The icons shown are default for open office, if you prefer the ubuntu look then you can install openoffice.org-tango-style pkg. Also installing openoffice.org-gtk might be a good idea.
Nice article.
April 2, 2009 at 5:44 am
I used Ubuntu 8.04 on my laptop, then upgraded to 8.10 and wasn't too happy with it. A lot of crashes and more memory usage than Hardy soo… Now I'm using Lenny 64 bit. I was unable to install Lenny i386 (tried CD, DVD, small CD with net install but no luck) so I tried 64 bit version and I'm very happy with it.
April 6, 2009 at 6:46 pm
For an example of what happens when you have 30k packages to test, do
apt-get install bastille
on Debian Lenny. You will discover that the version of Bastille in Lenny does not even install in Lenny!? This is a known bug (see bugs.debian.org/cgi-bin/bugreport.cgi?bug=510884) and was even marked as 'fixed' several days before I downloaded the older version from the main repository.
It left me in a position where dpkg would not uninstall the useless version or install the fixed version over the top of it, even when using the –force options. I ended up having to edit installation files by hand before it would uninstall.
Having said that, this is only the second time in a decade of using Debian on a sever that my packages have ended up in a twist, and the first time was my fault.
But what sort of testing did this package get before it was included in 'stable' Lenny? And how many other packages are similarly bugg*ed?
April 13, 2009 at 2:36 am
lenny seems to be working fine. i saw a weird glitch though yesterday the x server puked and refused to start again which required a reboot.
December 18, 2009 at 11:22 am
debian lenny uses kernel 2.6.26 as the default kernel . with that kernel my laptop battery doesnt last for even
1 hour , powertop shows me about 10000 wakeups from idle per second , however now im using the latest kernel on
lenny (2.6.32) and its experience is great . laptop battery lasts for 3 hours (the same as vista)
February 21, 2010 at 1:38 am
I just don't know anymore! I've spent the last 20 hours installing and re-installing opensuse 11.2, everytime I install it I try to install the drivers for my ati HD 4200 and I lose the system and have to start fresh. Why is it so impossible for me to have those fancy compiz effects on gnome?? Ubuntu 9.10 was the same, couldn't get compiz to work.. couldn't even get gnome installed becuase of missing dependencies and the only advice was to install ubuntu-desktop! I don't want that, I want gnome and compiz effects!! is it really that difficult?
A year ago all of this worked perfectly fine.. Why is Ubuntu so messed up now? Half the time I end up with 1 xfce4 panel on 1 screen and a gnome panel on the other! it's crazy.
I'm going to try debian now.. wish me luck 🙂
February 21, 2010 at 10:30 pm
I came to Debian from Ubuntu. I didn't like the bugs.
Debian is more stable.
February 28, 2010 at 5:58 pm
I've made the switch and haven't looked back since. Lenny has been rock solid stable and gives me everything I need.
April 12, 2010 at 8:35 am
I switched to Debian when RedHat became Fedora, as Fedora was explicitly (at least, in those days) not intended to be a stable system for end-users, but a bleeding edge distro. Debian promised stability, and it delivered, but it turned out to be rather too stable: even releases often contained old software, and they happened far too infrequently.
So, I switched to testing. This worked well: things were usually fairly up-to-date, bugs were fixed quickly, and though things broke fairly regularly in small ways, the pain was spread out, which I found preferable to having to deal with lots of breakage each time I got a new version of a distro. I was, after all, still primarily an end user.
At about the same time, I started running Debian on some servers, and again appreciated its stability. I ran sarge on an ancient Mac G3 as a server, and it worked fine: so, I had fewer packages available on PPC, but thanks to Debian's multiple architecture releases, PPC was an option at least, and the missing packages were not things I needed for a server. I also ran woody and then sarge on an old Cyrix 166 system from which I had removed all the fans, to run as a stripped down no-moving-parts server (it booted from a floppy and then ran off a USB key). Debian came with the package I needed to run the CPU in low-power mode so that it didn't melt even without a fan, and it was reasonably easy to get running in this odd configuration.
So far, Debian winning hands down.
Then Ubuntu came along, and I noticed a couple of things. First, they focussed on hardware support for the end user. Since I was primarily an end user, this was attractive: I had rarely managed to get Debian stable to support all the hardware on whatever laptop I used as my main machine. Secondly, and contrary to some of the posts above, Ubuntu did concentrate on delivering a good end-user experience. In fact, in my experience, Debian and RedHat also suffered from the "working in release n, broken in n+1, fixed again in n+2" syndrome, not just Ubuntu, and this was often because of successive generations of driver (X being the primary example), or re-architecting (OSS->ALSA->PulseAudio). My experience has been that these things have improved over time in all distros, rather than being particularly a feature of one or another. I have increasingly found upgrades of both Debian and Ubuntu to go painlessly (though I have friends who insist always on reinstalling, reasoning that things tend to work better from fresh installs, and not without reason, as I often find myself struggling to get new features and fixes to work; I compromise and only install freshly on new machines, as at least I don't have to deal with changes in default settings every time I upgrade a distro).
Recently, I have also started using and recommending Ubuntu for two other classes of use: servers and inexperienced end users. For servers, because I find Ubuntu just as stable as Debian, and for end users because of Ubuntu's better focus on the naive end-user. For both, because the LTS release schedule makes my life more predictable. For a server, the 5-year release cycle goes roughly hand-in-hand with hardware replacement: I expect typically to have to upgrade a server at most once during its life time. For inexperienced users, the 3-year cycle is similarly good: that's about the lifetime of a laptop, so I only have to upgrade their system once on average, and similarly, they only have to experience the disruption of a new version once per machine. (When one gets a new machine, one expects a bit of disruption.)
As for me, I find that things are slowing down: I don't want new software and bugs all the time, but I do want it regularly. Debian testing, in other words, releases too often for me, and Debian stable releases too frequently. With 6-monthly Ubuntu releases I keep getting the up-to-date software and reasonably regular fixes I want for my systems, whereas with the 3- and 5-yearly LTS releases, I get the nicely spaced versions I want for users I'm supporting.
(I should also add that compared to Mac OS or Windows, I find remote administration much easier with Ubuntu and Debian: for some users I can completely lock down their machine so that they can't, for example, accidentally reconfigure the system; for others I can make life easier by for example completely automating and hiding security updates. The Mac philosophy seems to be that they try to make this easy enough for all users to do for themselves, a laudable goal which so far they have not achieved, whereas Microsoft's view seems to be that remote management is only for enterprise, and the versions of Windows shipped on consumer machines don't seem to support it. (Of course, I would also have to learn from scratch the Microsoft way of doing things, which would be a major investment. In a world where pretty much everyone else, including Apple, works the same way, Microsoft are increasingly isolated, a strategy which on the one hand leaves them free to innovate and do things better if they think they can, but on the other risks losing customers who can't get their heads around their different way of working. As someone who already had this problem with Symbian (interesting system, does things differently, sufficiently complex that I never bothered learning it), I see the seeds of a similar demise once their massive market share wears off…
But I digress.
Debian and Ubuntu are getting more similar. Debian has now committed to a regular 2-year cycle. This is still too long for me as a user and too short for me as a server admin. Personally, I'd be quite happy if Debian abandoned stable releases to concentrate on doing what they do so well: being an upstream provider. I still report bugs to Debian rather than Ubuntu wherever I can, to save both the Ubuntu and Debian maintainers work, as I'm taking the bug straight upstream. It would be nice to see tighter integration between the bug trackers so that this could be done essentially automatically. At the moment I only use virtual machines to run the few bits of Windows software I need, but Debian and Ubuntu could make it easy to run a sid and Ubuntu+1 machine in order to let willing users like me pre-triage bug reports, perhaps even syncing such VMs with one's own machine so they had the "same" configuration.
As someone who spends much of their free time working on free and open source software, I'm mostly concerned with wasted effort. Both Debian and Ubuntu, of course, concentrate on reducing wasted effort in a much wider sense: by making excellent computing environments available to everyone. I think this is a good fundamental orientation for thinking about computers, as about any tool: they are a means to an end, and the primary aim should always be to make them as efficient as possible, and, in the end, like any good tool, render them invisible. With computers, we still have a long way to go.
February 3, 2011 at 10:09 pm
I like debian but not always is stable.
March 9, 2011 at 3:00 am
I'm using Ubuntu and strongly considering switching to Debian. One of the things that is also important when comparing the two is that Ubuntu is hierarchically run by a for-profit corporation, whereas Debian is run democratically, with support from a non-profit foundation.
April 9, 2011 at 12:24 pm
That's not unthinkable at all. In fact, I'm now thinking of moving from Ubuntu to Debian too! 😛
November 11, 2011 at 7:19 am
I'm thinking of moving from Ubuntu to Debian too. So I googled around in order to find a howto, hoping to find some method to do this "in place" (rather than re-install from scratch). After all, both distros use .deb packages, so with the right /etc/apt/sources.list / apt-get upgrade magic it should work, right?
So I found your article… which gives good reasons *why* to do the move, but unfortunately doesn't explain *how* to do it. Or did some part of the article come missing?
February 9, 2009 at 7:53 am
February 5, 2011 at 9:16 pm


text:
On the return flight from Bangalore to London via Dubai, a stewardess, whilst pouring out yet another coffee, asked where we'd been. She nodded expectantly and with reasonable un-interest as we said, 'a mini tour of South India' but her whole demeanour changed when we added, 'without phones, without watches and without computers', which she then repeated back to us incredulously as it seemed she thought she'd misheard.
I guess she was about 25 and she made my head tilt to the side with a smile when she said, 'wow, I've never known anyone to do that, that must be totally amazing' and ran off to inform the rest of the Emirates staff who then gave us respectful nods and glances each time they passed our seats because we were the people who had spent three weeks in India-without phones, without watches and without computers and that obviously put us right up there with the explorers of old. I mean even Bear Grylls has GPS, phones, a film crew and a 5 star hotel.
It seems that under a certain age ( I estimate about 25 to 30) to travel without the crutches and aids of the modern world is seen as an extreme sport – much more dangerous than bungee jumping because we were also without the umbilical elastic rope attached.
We did use internet cafes a few times when we were settled just to check on the kids. The hardest thing, though not that hard at all really, was not having a watch and having to resort to saying 'excuse me, have you the time' on a rare occasion- the pay off with this is that you will not only be given the time but also one of those Indian smiles – but when travelling, railway and bus stations still tend to have clocks.
In addition, it was the longest time since I passed my driving test that I hadn't driven, not that you'd want to drive in India, unless of course your psychiatrist insisted. None of this you understand was done as any sort of challenge nor for charity. We just wanted to be free of the shackles that we all have imposed on ourselves – and now having done it, all I can say to everyone, and I have been doing so for the last week, is that if you want a true holiday, a vacation free of pointless distractions, leave behind – in a drawer at home – your hand helds, your net books and tablets, your watches and your driving licence and experience what some of the over 30's might still remember – a new freedom. And for added comfort, leave all jewellery and tight clothes as well. You will be so much better for it, you'll do it every time.
Right – the next blog will be my very first impressions of the baptism of fire that is India.
I'm just waiting at the baggage carousel for the rucksack to come through……….still blissfully unaware of the psychopath that is waiting in arrivals holding a smile, his taxi keys and a board that says KEV AND ALI OLLIER.


text:
Image PlotPlots of the intensity profile through an image, averaged over specified rows or columns can be extracted from an image table by specifying the following information:
Plot Rows or Plot ColumnsSelect whether you want to plot row or column data from the table. The line plot will be the image data versus the row/column index.
Row/Column Range To PlotList the row/column index to plot or, to plot an average of multiple rows/columns, list the index range in the form of "start-end".
Add curveIndicate whether the resulting curve should be plotted in the currently selected graph in POW. If unset (the default), a new graph will be created.
Note that the interactive 'Draw Profile" tool in POW can be used to display the intensity profile along a line drawn at any angle through the image
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Not to brag, but Massachusetts was made for family fun. We have six zoos and three aquariums. We have hundreds of charming farms, where you can pick strawberries, peaches, or apples, and pet goats, ponies, or sheep. We have a pirate museum, a witch museum, and an Animagic museum. For fresh air family fun, we have the best beaches for sandcastle building, the best places to pitch a tent, and the best places to learn how to ski. For rainy days, we have an indoor trampoline park, an indoor water park, and one of the best children's museums in the country. We have the Basketball Hall of Fame, Volleyball Hall of Fame, and one of the most famous and beloved ballparks in the world. We have swan boats, duck tours, whale watches and dinosaur tracks. Quite simply, we have everything fun for kids of any and all ages. Okay, maybe that was a little bit of bragging.
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Jiminy Peak, Hancock
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UMass Dartmouth Theatre Company
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University theatre company presenting four main-stage musicals and plays and one free outdoor summer cabaret annually. more+ 1 saves
UMass Dartmouth Theatre Company
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K. Dobens brauchte ein neues Logo Design und hat einen Wettbewerb auf 99designs gestartet.
Aus 262 Designs von 71 Designern wurde eine Gewinner gewählt.
Small Business Benefit Solutions, LLC
Our business is working with small companies seeking medical, dental, vision and accident insurance benefits for themselves and their employees.
We act as a detective, a guide and a diplomat on their behalf. We seek solutions to their budget needs versus their insurance needs. We are service oriented and take a very intimate, hands on approach to helping our clients understand not only how to buy a plan, but also how to use it effectively, as well as offering our services to manage the plan for them.
Our tag line is "Helping you solve the benefits puzzle" (we mean labyrinth, maze, not a jigsaw puzzle).
The winning design will be featured on our website, our letterhead and business cards. We're also happy to credit the winning artist on our website, with his/her approval.
Small business owners and individuals looking for medical, dental, vision and accident insurance in NY and NJ
We REQUIRE both a B & W version and color version of your design.
We prefer shades of blue for the color scheme but you are welcomed to use accent colors. UPDATE: We will not consider logos with red.
Do not use any shading as this will not translate to stationary or print materials within our budget constraints.
You can use our entire name or the abbreviation of our name which is SBBS. We will choose the right design with either name and add it later.
DO NOT use the color red or a red cross.
DO NOT use hearts
DO NOT use any medical equipment or symbols - we are not in medicine and it would be irresponsible of us to give the impression we worked in the healing arts at all.
We envision a maze or labyrinth of some kind given our tag line, but your not creatively tied to that - a unique approach to our name and mission may make us change our tag line.
Format must be vector as well as in .pdf and high resolution .jpeg
We DO NOT want cartoon images or juvenile looking designs.
Looking for multiple final designs from the winner, not just one as we need to be able to produce the design as easily and effectively in Black and White as well as color.
We prefer a high level graphic for web use, BUT WE MUST HAVE a simpler, 2 color version for printing and letterhead.
Finden Sie heraus, wie ein Designwettbewerb funktioniert, oder lernen Sie mehr über unsere Logo-Design-Angebote.


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2013 CMS Summer Meeting
Dalhousie University, June 4 - 7, 2013
Semilinear Schrodinger equations provide a model of many interesting types of nonlinear waves, e.g. laser beams in nonlinear optics, oscillations of plasma waves, and free surface water waves. Many explicit new solutions are obtained which have interesting analytical behavior connected with blow-up and dispersion in such models. These solutions include new similarity solutions and other new group-invariant solutions, as well as new solutions that are not invariant under any symmetries of the Schrodinger equation. In contrast, standard symmetry reduction methods lead to nonlinear ODEs for which few if any explicit solutions can be derived by familiar integration methods.
This is a joint work with Robert Jerrard (University of Toronto).
This is a joint work with C.-K. Lin, C.-T. Lin and Y.-P. Lin.
The critical growth $\frac{Q+2}{Q-2}$ in the nonlinearity of the equation is related to a loss of compactness of the continuous embeddings of suitable anisotropic Sobolev-type spaces in standard $L^p$ spaces (on bounded domains of $\mathbf{H}^n$), which occurs at the critical exponent $p^*=\frac{2Q}{Q-2}$.
Such an equation is related for instance to problems of differential geometry on Cauchy--Riemann manifolds, such as the CR-Yamabe problem of prescribing the Tanaka-Webster scalar curvature on $\mathbf{H}^n$ under a conformal change of the contact structure that identifies its CR structure.
We will show existence of infinitely many geometrically distinct sign changing solutions of the equation on $\mathbf{H}^n$ using variational techniques, exploiting the abundant symmetries of the equation and some notions of differential geometry in order to circumvent the lack of compactness of the energy functional, that arises at the considered critical growth.
This is a joint work with P. Mastrolia (Università degli Studi
di Milano)
We build a finite difference solver for the Monge-Ampère equation, which converges to the unique viscosity solution of the equation. Regularity results are used to select a priori between a stable, provably convergent monotone discretization and an accurate finite difference discretization. The resulting nonlinear equations are then solved by Newton's method.
Computational results in two and three dimensions validate the claims of accuracy and solution speed. A computational example is presented which demonstrates the necessity of the use of the monotone scheme near singularities.


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JAPANGEN 149: Screening Japan: Issues in Crosscultural Interpretation (JAPANGEN 249)
Is the cinematic language of moving images universal? How have cultural differences, political interests, and genre expectations affected the ways in which Japanese cinema makes meaning across national borders? Sources include the works of major Japanese directors and seminal works of Japanese film criticism, theory, and scholarship in English. No Japanese language skills required.
Last offered: Autumn 2007 | UG Reqs: GER:DB-Hum
JEWISHST 18N: Religion and Politics: Comparing Europe to the U.S. (RELIGST 18N)
Interdisciplinary and comparative. Historical, political, sociological, and religious studies approaches. The relationship between religion and politics as understood in the U.S. and Europe. How this relationship has become tense both because of the rise of Islam as a public religion in Europe and the rising influence of religious groups in public culture. Different understandings and definitions of the separation of church and state in Western democratic cultures, and differing notions of the public sphere. Case studies to investigate the nature of public conflicts, what issues lead to conflict, and why. Why has the head covering of Muslim women become politicized in Europe? What are the arguments surrounding the Cordoba House, known as the Ground Zero Mosque, and how does this conflict compare to controversies about recent constructions of mosques in Europe? Resources include media, documentaries, and scholarly literature.
Last offered: Spring 2014 | UG Reqs: GER:DB-Hum, GER:EC-GlobalCom, WAY-ED
JEWISHST 71: Jews and Christians: Conflict and Coexistence (RELIGST 71)
The relationship between Judaism and Christianity has had a long a controversial history. Christianity originated as a dissident Jewish sect but eventually evolved into an independent religion, with only tenuous ties to its Jewish past and present. Since the Holocaust, Jews and Christians have begun the serious work of forging more meaningful relationships with each other. This course explores the most significant moments that have shaped the relationship between Judaism and Christianity and examines some of the theological complexities imbedded in these traditions, while searching constructive ways of situating oneself amidst such complexities.
Terms: Aut | Units: 3 | UG Reqs: GER:DB-Hum, WAY-A-II, WAY-ED
Instructors: Duarte de Oliveira, M. (PI)
2017-2018 Autumn
3 units |
UG Reqs: GER:DB-Hum, WAY-A-II, WAY-ED |
Class #
Section 01 |
Grading: Letter (ABCD/NP) |
| Students enrolled: 5
09/25/2017 - 12/08/2017 Tue, Thu 1:30 PM - 2:50 PM at 90-92Q with Duarte de Oliveira, M. (PI)
Exam Date/Time: 2017-12-11 12:15pm - 3:15pm (Exam Schedule)
Instructors: Duarte de Oliveira, M. (PI)
Additional Resources: (Login to view additional resources)
JEWISHST 80T: Jewish Music in the Lands of Islam (MUSIC 80T)
An Interdisciplinary study of Music, Society, and Culture in communities of the Jewish Diaspora in Islamic countries. The course examines the diverse and rich musical traditions of the Jews in North Africa and the Middle East. Based on the "Maqamat" system, the Arabic musical modes, Jewish music flourished under Islamic rule, encompassing the fields of sacred music, popular songs, and art music. Using musicological, historical, and anthropological tools, the course compares and contrasts these traditions from their original roots through their adaptation, appropriation, and re-synthesis in contemporary art music and popular songs.
Last offered: Autumn 2014 | UG Reqs: GER:DB-Hum, WAY-A-II, WAY-ED
JEWISHST 86: Exploring the New Testament (CLASSICS 43, RELIGST 86)
To explore the historical context of the earliest Christians, students will read most of the New Testament as well as many documents that didn't make the final cut. Non-Christian texts, Roman art, and surviving archeological remains will better situate Christianity within the ancient world. Students will read from the Dead Sea Scrolls, explore Gnostic gospels, hear of a five-year-old Jesus throwing divine temper tantrums while killing (and later resurrecting) his classmates, peruse an ancient marriage guide, and engage with recent scholarship in archeology, literary criticism, and history.
Terms: Spr | Units: 4 | UG Reqs: GER:DB-Hum, WAY-A-II, WAY-SI
Instructors: Penn, M. (PI) ; Jebbia, j. (TA)
2017-2018 Spring
4 units |
UG Reqs: GER:DB-Hum, WAY-A-II, WAY-SI |
Class #
Section 01 |
Grading: Letter or Credit/No Credit |
04/02/2018 - 06/06/2018 Tue, Thu 10:30 AM - 11:50 AM at 160-124 with Penn, M. (PI); Jebbia, j. (TA)
Exam Date/Time: 2018-06-11 12:15pm - 3:15pm (Exam Schedule)
Instructors: Penn, M. (PI); Jebbia, j. (TA)
Additional Resources: (Login to view additional resources)
JEWISHST 106: Reflection on the Other: The Jew and the Arab in Literature (AMELANG 126, COMPLIT 145)
How literary works outside the realm of Western culture struggle with questions such as identity, minority, and the issue of the Other. How the Arab is viewed in Hebrew literature, film and music and how the Jew is viewed in Palestinian works in Hebrew or Arabic (in translation to English). Historical, political, and sociological forces that have contributed to the shaping of these writers' views. Guest lectures about the Jew in Palestinian literature and music. Note: To be eligible for WAYS credit, you must take course for a Letter Grade.
Terms: Aut | Units: 3-5 | UG Reqs: GER:DB-Hum, GER:EC-GlobalCom, WAY-A-II, WAY-ED
Instructors: Shemtov, V. (PI) ; Levi, M. (TA)
2017-2018 Autumn
3-5 units |
UG Reqs: GER:DB-Hum, GER:EC-GlobalCom, WAY-A-II, WAY-ED |
Class #
Section 01 |
Grading: Letter or Credit/No Credit |
| Students enrolled: 1
09/25/2017 - 12/08/2017 Tue, Thu 3:00 PM - 4:20 PM at 260-244 with Shemtov, V. (PI); Levi, M. (TA)
Exam Date/Time: 2017-12-12 3:30pm - 6:30pm (Exam Schedule)
Instructors: Shemtov, V. (PI); Levi, M. (TA)
Additional Resources: (Login to view additional resources)
JEWISHST 120: Sex and Gender in Judaism and Christianity (FEMGEN 130, RELIGST 130)
What role do Jewish and Christian traditions play in shaping understandings of gender differences? Is gender always imagined as dual, male and female? This course explores the variety of ways in which Jewish and Christian traditions - often in conversation with and against each other - have shaped gender identities and sexual politics. We will explore the central role that issues around marriage and reproduction played in this conversation. Perhaps surprisingly, early Jews and Christian also espoused deep interest in writing about 'eunuchs' and 'androgynes,' as they thought about Jewish and Christian ways of being a man or a woman. We will examine the variety of these early conversations, and the contemporary Jewish and Christian discussions of feminist, queer, trans- and intersex based on them.
Last offered: Winter 2017 | UG Reqs: GER:DB-Hum, GER:EC-Gender, WAY-ED
JEWISHST 143: Literature and Society in Africa and the Caribbean (AFRICAAM 133, AFRICAST 132, FRENCH 133)
This course aims to equip students with an understanding of the cultural, political and literary aspects at play in the literatures of Francophone Africa and the Caribbean. Our primary readings will be Francophone novels and poetry, though we will also read some theoretical texts. The assigned readings will expose students to literature from diverse French-speaking regions of the African/Caribbean world. This course will also serve as a "literary toolbox," with the intention of facilitating an understanding of literary forms, terms and practices. Students can expect to work on their production of written and spoken French (in addition to reading comprehension) both in and outside of class. Special guest: LEILA SLIMANI (Goncourt Prize 2016). Required readings include: Leila Slimani, "Sexe et Mensonges au Maroc", Albert Memmi, "La Statue de Sel," Kaouther Adimi, "L'Envers des autres", Maryse Condé, "La Vie sans fards". Movies include "Goodbye Morocco", "Aya de Yopougon", "Les Baies d'Alger". nTaught in French. Prerequisite: FRENLANG 124 or consent of instructor.
Terms: Spr | Units: 4 | UG Reqs: GER:DB-Hum, WAY-A-II, WAY-ED
Instructors: Ulloa, M. (PI)
2017-2018 Spring
4 units |
UG Reqs: GER:DB-Hum, WAY-A-II, WAY-ED |
Class #
Section 01 |
Grading: Letter or Credit/No Credit |
04/02/2018 - 06/06/2018 Tue, Thu 10:30 AM - 11:50 AM at 50-51B with Ulloa, M. (PI)
Instructors: Ulloa, M. (PI)
JEWISHST 148: Writing Between Languages: The Case of Eastern European Jewish Literature (JEWISHST 348, SLAVIC 198, SLAVIC 398)
Eastern European Jews spoke and read Hebrew, Yiddish, and their co-territorial languages (Russian, Polish, etc.). In the modern period they developed secular literatures in all of them, and their writing reflected their own multilinguality and evolving language ideologies. We focus on major literary and sociolinguistic texts. Reading and discussion in English; students should have some reading knowledge of at least one relevant language as well. ***This course must be taken for a minimum of 3 units and a letter grade to be eligible for Ways credit***
Terms: Spr | Units: 1-4 | UG Reqs: GER:DB-Hum, WAY-A-II, WAY-SI
Instructors: Safran, G. (PI)
2017-2018 Spring
1-4 units |
UG Reqs: GER:DB-Hum, WAY-A-II, WAY-SI |
Class #
Section 01 |
Grading: Letter (ABCD/NP) |
| Students enrolled: 1
04/02/2018 - 06/06/2018 Thu 1:30 PM - 3:20 PM at 240-110 with Safran, G. (PI)
Instructors: Safran, G. (PI)
JEWISHST 155D: Jewish American Literature (AMSTUD 145D, ENGLISH 145D, REES 145D)
From its inception, Jewish-American literature has taken as its subject as well as its context the idea of Jewishness itself. Jewish culture is a diasporic one, and for this reason the concept of Jewishness differs from country to country and across time. What stays remarkably similar, though, is Jewish self-perception and relatedly Jewish literary style. This is as true for the first-generation immigrant writers like Isaac Bashevis Singer and Anzia Yezierska who came to the United States from abroad as it is for their second-generation children born in the United States, and the children of those children. In this course, we will consider the difficulties of displacement for the emigrant generation and their efforts to sustain their cultural integrity in the multicultural American environment. We'll also examine the often comic revolt of their American-born children and grandchildren against their (grand-)parents nostalgia and failure to assimilate. Only by considering these transnational roots can one understand the particularity of the Jewish-American novel in relation to mainstream and minority American literatures. In investigating the link between American Jewish writers and their literary progenitors, we will draw largely but not exclusively from Russia and the countries of Eastern Europe.
Terms: Spr | Units: 5 | UG Reqs: GER:DB-Hum, GER:EC-AmerCul, WAY-A-II, WAY-ED
Instructors: Ruttenburg, N. (PI)
2017-2018 Spring
5 units |
UG Reqs: GER:DB-Hum, GER:EC-AmerCul, WAY-A-II, WAY-ED |
Class #
Section 01 |
Grading: Letter (ABCD/NP) |
04/02/2018 - 06/06/2018 Tue, Thu 10:30 AM - 12:20 PM at 460-301 with Ruttenburg, N. (PI)
Instructors: Ruttenburg, N. (PI)
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Late night got a heavy dose of campaign talk from two top House Democrats on Wednesday.
Rep. Nancy Pelosi broke her own promise not to appear on "The Colbert Report" and gamely talked super PACs with Stephen Colbert, while Rep. Barney Frank talked the same, plus President Obama's reelection effort, with Jimmy Kimmel.
"If we want to cancel elections and just have the wealthiest people in America — and you know what their names are — give millions and tens of millions of dollars, we can just ask them, who do they want to be president?" Pelosi said. "That would be a plutocracy, and we are a democracy."
Promoting the DISCLOSE Act, which seeks to limit the effects of the Supreme Court's Citizens United decision on campaign finance and boost transparency, Pelosi described what she'd like to accomplish:
"We want people to stand by their ad. If they're going to have tens of millions of dollars that they're putting up for a candidate or a cause, the public has a right to know by whose authority is this coming to them."
On "Jimmy Kimmel Live," Pelosi's long-time House cohort Frank, soon to retire, reiterated her stance.
"We have a system in America that is unlike any other, and the U.S. Supreme Court has made it worse. There's this view that says you can't have a democracy unless people can give as much money as they want to candidates. If that's true, we should be supremely proud in America — because if that's the case, we're the only democracy ever in the history in the world, because most other places put some limits on the money," he said.
"I gotta say, being nice to people I'm not crazy about — that's not my default position," the famously cantankerous Congressman admitted, by way of understatement, to everybody else's laughter.
"We're the only people, elected officials, who by the system are supposed to take money from strangers and have it have no influence on our behavior. Practicing being ungrateful takes a little out of you," he deadpanned.
Frank also said he thinks Obama will win reelection — and that he hopes Rick Santorum will wind up being the one to run against him.
The Colbert Report
Get More: Colbert Report Full Episodes,Political Humor & Satire Blog,Video Archive


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Quick Details
Product Specifications:
20mm*5m 1pc
Content Details:
Our high-tack acrylic Clear Double Sided Mounting Tape, vhb foam bonding tape is conformed to irregular surface because of its flexibility. Excellent holding power and durability for permanent bonding on metal, glass, window,door,furniture, automotive, industry bonding etc.
Packaging: Blister card
Samples: available in 3 days
Shipment: by sea/by air
Lead time: 30 days after conformation of your PO
Supplier Certificate: SEDEX, WCA, ISO 9001:2008
Our high-tack acrylic Clear Double Sided Mounting Tape, vhb foam bonding tape is ideal for metal, glass, window, door, furniture, automotive, industry bonding.
Company Profile:
GUANGZHOU PRODIGY DAILY-PRODUCTION CO., LTD Our company is more than 11-year top quality manufacturer certified by ISO 9001, UK standard factory audit SEDEX(SMETA) and WCA. We produce many dozens of baby safety items in EU standard,including baby safety locks, door stoppers,door guards, corner & edge guard, plug protector, safety bed rails etc .The products passed tests of REACH, PAHs, EN 71-3, ZEK, AZO, popular and trending in EU, Northern & southern America, Australia etc.


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Dear BMW Z8 Club e.V. Members,
Dear BMW Z8 owners,
You will find the latest information on this issue in our attached circular letter to all Club Members. We got this information during the Villa D'Este event in Italy.
Sorry for the delay, but we had a meeting of the Board on this issue and to translate this information of course takes time as well. Not to mention that all of us have a regular job to do...
I would recomend to read a bit between the lines especially in the first paragraph... I quoted Mr. Klugescheid exactly!


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Playing SL at home we are massive favourites, that takes the pressure of us, and puts it back on them.
Last edited by M0rphin3; 30-03-2011 at 12:22 PM.
Proud Supporter of: Shakib Al Hasan, Kane Williamson, Adam Milne [/B]
I expect a comfortable victory, nothing less. The hard work has already been done. SL are stronger than Pakistan but India will fancy putting up a huge total against this attack. The SL bowling is good but for some reason India always take a liking to them.
Any update on Gambhir's injury? As I said in the semi-final Pak/Ind thread, I really think he hurt his hamstring in the field. Could very well miss out for the final, forcing Yusuf into the team.
"I am very happy and it will allow me to have lot more rice."
Eoin Morgan on being given a rice cooker for being Man of the Match in a Dhaka Premier Division game.
Still remember being oh so shattered when he bowled Sachin out in the 07 WC match.
Haunts me to this day. Dilhara wac
Mendis has been already decoded by the indians.
unless they themselves **** up, indian batsmen should hold the key here. also to be remembered how barring the openers and Sanga, Sl batsmen have been largely untested, and unproven in the wc. Dilsan will beone to be watched out for
Join the CW Commentary Discord - https://discord.gg/2cYpfrf
Sachin vs Murali for one last time in the world cup final.
Made this prediction around a year back ,so restating it-
Sachin to get his 100th international century in the world cup final ,playing in the ground he has almost literally grown up in. - The Wankhede.
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joejurado necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 68 diseños de 11 diseñadores freelance.
CafeFesta / CafeFesta.com
Hello, I am a business inspired, Portuguese Entrepreneur, looking to share my culture with the world. Focus is around the entire Portuguese culture and bring it to people in one centralized place. I am a fun, creative guy, and a leader in my "regular" job.
I am looking to build a trusting partnership with a designer that can help me create banners for my website, business cards, clothing logo, and possibly logos for my clients.
My audience is the entire Portuguese Community (all ages), as well as those that have a love for things that make Portugal unique. Wine / Travel / Food / People / etc
I am looking for a logo that is unique and simple in concept, yet eye catching at a first glance within seconds (literally).
I want "you" to have fun with it :-)
The logo must include the colors of the Portugal flag and possibly the shield as well. If you look at a Portugal cross as used in castles and sails, this can be implemented also; if feasible. Since the name of my business includes "Cafe" a coffee cup/mug must be used in the design and include the flag within it. I don't know if the company name can be included, so please try it out.
I was advised by a friend that I should have a vector graphics file created for use of the logo in multiple designs. This is a great idea.
- A mock up design (amateur; to say the least) is attached as an idea of the interesting concept idea I thought of. Hopefully you will like the concept.
Please be creative and have fun.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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God and King
James 1:5–8 contains the incredible promise that the Lord will give wisdom to all who sincerely ask Him for it in faith. Ultimately, Christ is our wisdom, and He will never cast out anyone who comes to Him by faith ...Read More
The Purpose of Wisdom Literature
Scripture tells us again and again that God delights to humble those who have exalted themselves and exalt those who have humbled themselves. His choice of Bethlehem is an example of this principle. The Lord chose a small, overlooked town ...Read More
Conceived in the Womb of the Virgin
J. Gresham Machen argued that the denial of the virgin birth of Jesus is usually a precursor to denying the other supernatural elements of the faith. Though some try to deny the virgin birth and still affirm such supernatural events ...Read More
Walking with the Wise
Judas Iscariot walked with the very incarnation of God's wisdom Himself, and yet he fell into grave sin. This shows that simply hanging around wise people is not enough to benefit from them. Instead, as we seek out wise friends ...Read More
God's Call to Kiss His Son
It is not difficult to get people to say nice things about Jesus when the only Jesus they know is the gentle Jesus of popular culture who makes no demands on anyone. That is not the Jesus of Scripture. We ...Read More
Opposing the Lord's Annointed
The Westminster Shorter Catechism says that Christ executes the office of king by "subduing us to himself, in ruling and defending us, and in restraining and conquering all his and our enemies" (Q&A; 26). All who oppose this work do ...Read More
Our All-Seeing Lord
Matthew Henry comments that God has "an eye to discern all, not only from which nothing can be concealed, but by which every thing is actually inspected, and nothing overlooked or looked slightly upon… . An eye to distinguish both ...Read More
The Blessedness of Keeping God's Law
John Calvin comments, "We must not be influenced by our own designs, nor decide, according to carnal reason, what we are to do, but must at once come to the determination, that they who turn not aside, either to the ...Read More
Our Wisdom and God's
God's wisdom has the final say in all matters. No plan, no matter how well conceived or potent, can keep Him from accomplishing His purposes. His enemies can advance only as far as He allows, and what might look like ...Read More
God's Wisdom in the Gospel
Take some time today to reflect on the gospel—the message that Christ lived and died to cover your sins with His righteousness, cleanse you from sin by His blood, and give you peace with God. By faith alone in Christ ...Read More


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Kevin Langevin necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 170 diseños de 30 diseñadores freelance.
Kevin Langevin Photography
I'm a professional photographer, looking to develop a logo for my business, which can be used to promote my work. I have a two-pronged website, part devoted to my wedding photography and the other part for my general photography - fashion, glamour, nudes, bands/concerts, products & other events.The site has a landing page where the logo would be displayed, and two images which are links to the two halves of the site, and on each half, the logo would be displayed in the header.
I'll be promoting to couples who've gotten engaged, as well as companies looking to promote their products, models interested in developing their portfolios, bands who need promotional materials, etc.
The area devoted to displaying the logo in each half of the site is 300px X 80px. The area on the splash page can be larger, or even different dimensions.
I wouldn't mind having something that can use two different color schemes on the two halves of the site, but that's not necessary. It does need to be something that can be used on business cards/letterhead, though I don't need cards or letterhead designed at the moment.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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(+852) 5110-4753 | Easy Price Match | Free Delivery for orders over USD120** | In-Store Stock Availability check
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Concept store to build a true Parisian wardrobe in Hong Kong, Singapore and online. We strive to provide happiness to our clients, find the greatest new talents and brands and to unearth the perfect shape product.


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Resources for Researchers
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