Dining options at the hotel include a restaurant and a coffee shop/café. A bar/lounge is on site where guests can unwind with a drink. Public areas are equipped with complimentary wireless Internet access. For a surcharge, a round-trip airport shuttle (available on request) is offered to guests. This business-friendly hotel also offers a fitness centre, tour or ticket assistance and multilingual staff.
The Harbourview is a smoke-free property.
Located in Wan Chai, this hotel is steps away from Hong Kong Arts Centre, Victoria Harbour and Hong Kong Convention and Exhibition Centre. Central Plaza and Wan Chai Road are also within 15 minutes. Hong Kong Wan Chai Station is 13 minutes by foot and Hong Kong Admiralty Station is 13 minutes.
Along with a restaurant, this smoke-free hotel has a fitness centre and a bar/lounge. WiFi in public areas is free. Other amenities include a coffee shop/café, a meeting room and concierge services.
All 320 rooms boast deep soaking bathtubs, and offer free WiFi and TVs. Minibars, room service (during limited hours) and free bottled water are among the other amenities available to guests.
The Harbourview offers 320 forms of air-conditioned accommodation with minibars and a safe. Cable televisions are provided. Bathrooms include a bath and shower with a deep soaking bath, complimentary slippers, complimentary toiletries and a hairdryer. This Hong Kong hotel provides complimentary wireless Internet access. A nightly turndown service is provided and housekeeping is offered on a daily basis. Amenities available on request include an iron/ironing board.
The Harbourview has a restaurant serving breakfast only.
Rollaway/extra beds are available for HKD 350.0 per night.


From 3D animation to designing clothes, Melbourne Polytechnic's Design courses are tailored for the creative. Start putting your individual stamp on the design world and join us today.
Since 1980, Melbourne Polytechnic's design students have had a very high rate of employment at the completion of their courses. Our students are also consistent winners of competitions and awards, and our staff are practicing designers.


text:
Marion Election Board rules Republican can challenge Sheriff Bailey
Sarah Volpenhein | Marion Star
MARION — A Republican running for county sheriff will stay on the March primary ballot, Marion election officials decided Friday.
The Marion County Board of Elections met Friday to decide whether to remove Matthew Bayles, a Republican candidate for Marion County sheriff, from the March 17 ballot, after Sheriff Tim Bailey, a Democrat running for re-election, challenged Bayles' candidacy.
On Dec. 30, Bailey sent a letter to the elections board, urging election officials to reject Bayles' petition to run for sheriff and saying Bayles had violated the law by seeking elected office while still employed as a lieutenant by the Marion Police Department.
Bayles' last day on duty was in September, but he remained on the city payroll into December, receiving sick pay in the intervening months, according to the city auditor's office. Bayles said he had hip surgery on Oct. 1. His retirement letter said he planned to retire on Jan. 6, but Bayles' attorney said he resigned earlier, on Dec. 30.
Ohio law prohibits a classified civil service employee – which Bayles agrees he was – from engaging in partisan political activity, including running for public office in a partisan election and filing petitions to run for partisan office.
The elections board, which is made up of two Democrats and two Republicans, decided to hold a hearing Friday to hear from both sides and make a decision on Bayles' candidacy.
While some board members said they believe Bayles broke the law by filing to run for election while employed by the police department, they all agreed it was not the board's place to remove Bayles from the ballot under the circumstances.
"I agree with what (board member) Chris (Smith) said that he did violate the Hatch Act," said board member Carolyn Weston, a Democrat. "However, I don't think it is this board's duty to enforce that."
What is referred to as the Little Hatch Act is the part of Ohio law that restricts political activity by classified public employees.
In a unanimous vote, the board voted 4-0 to deem Bailey's challenge not a valid protest under Ohio law and to dismiss it.
Corey Colombo, the attorney representing Bailey, said that he was disappointed by the board's decision and that he planned to discuss next steps with his client.
"The law in black and white would tell someone they cannot be a candidate while they are in the classified civil service. Mr. Bayles ignored that law, which is especially troubling knowing he wants to be a candidate for sheriff," Colombo said. "The board saw that but felt that their hands were tied."
In a news release issued Friday, Bayles called Bailey's challenge of his candidacy an "attempt to silence the voters' right to determine who the next sheriff of Marion County should be."
Attorney Donald Brey, who represents Bayles, said Friday the elections board did not have the authority to remove Bayles from the ballot for any violation of the Hatch Act.
"There's nothing that says this board can act on a Hatch Act violation to throw somebody off" the ballot, he said.
Rather, he said, Ohio law says a Hatch Act violation could be cause for discipline by the violator's public employer.
"There are other people, other entities, other bodies that may or may not have the authority to enforce the Hatch Act, but this board is not among them," he said.
Colombo disagreed, saying that the board could remove Bayles from the ballot under the part of Ohio law that enables boards of election to review, examine and certify candidates' petitions.
Ohio law "empowers the board of elections to judge the qualifications of a candidate for office," he said. "There is no case law out there that says the Hatch Act, a violation of that law, would not be a disqualifying factor."
He pointed to the plain language of Ohio law that prohibits a public servant from running for partisan office.
In the end, the elections board agreed with Brey and Bayles.
"We're back to whether the board has the authority to do anything to remove Mr. Bayles from the ballot based on these concerns. I do not believe it does," said board member Larry Heiser, a Republican.
Democrats Weston and Smith agreed, with Smith saying, "I believe he did violate the Hatch Act, but I do not believe that it is the board of election's right to take someone off the ballot" in this case.
The board voted on Dec. 30 to certify both Bailey's and Bayles' petitions to have their names on the March primary ballot.
svolpenhei@gannett.com
Tweet me @SarahVolp

redpajama_set_name: RedPajamaCommonCrawl


British Nuclear Fuels is lobbying for permission to build a new generation of nuclear power stations which, it claims, would help fight climate change and cut the UK's plutonium stockpile. The state atomic energy group would use technology it acquired through buying reactor-building businesses to construct plants in place of its obsolete Magnox stations.
BNFL believes it has both the technology - with Westinghouse's AP600 and AP1000 designs and the Swiss ABB company's boiling water reactor - and the sites for the new plants, including its eight Magnox sites and its Sellafield *complex in Cumbria.
A company source said BNFL wants to build replacements as the current stations are retired. 'We have got the technology and the Magnox sites, which are already connected to the national grid,' the source said.
BNFL has talked to Whitehall officials, Ministers, and MPs. Some believe the scheme would boost BNFL's value, enhancing government plans for a part-privatisation of the group, safeguarding jobs and mitigating future rises in carbon dioxide emissions.
But others fear that the new stations would not be economic and would perpetuate reprocessing and waste disposal problems which, as highlighted by The Observer last week, would place heavy burdens on future taxpayers.
BNFL is anxious to find a way of dealing with the UK's 61-tonne stockpile of plutonium, the toxic substance separated in reprocessing. It can use it either as a mixed oxide - or mox-fuel, which it makes at Sellafield, or by itself. However, the market for mox fuel was damaged by a scandal last year over falsified data at Sellafield; and British Energy, the UK's privatised nuclear generator, believes it is too expensive.
A Greenpeace spokeswoman said: 'Nuclear power will never be an economic or environmentally acceptable way of addressing climate change.' A BNFL spokesman said it 'has the skills and technology to take part in a nuclear future, and welcomes the debate about what contribution nuclear power can make'.


Losing weight is definitely a worthy goal of an exercise program, but it shouldn't be your main goal. We know you have to expend 3,500 more calories per week than you take in to lose one pound. That breaks down into a 500-calorie-per-day deficit.
A better exercise goal would be to build muscle through strength training along with burning calories through cardio training. The more muscle mass you have, the more calories they burn carrying out your daily activities. So some of that 500 calorie deficit could come from muscles burning more calories, along with what you burn doing cardio training. Of course along with an increase in muscle size, and we are not talking about a lot of increase - just a boost in toning, comes an increase in self-confidence. If you look good, you feel good.
However without also a change in diet, it is difficult at best to have a 500 calorie deficit day-in/day-out. In most cases, it would mean at least an additional hour of exercise at a moderate intensity activity. As the old saying goes "You can out-exercise a bad diet program." It is so true.
Another goal of your exercise program should be getting to and living a healthy lifestyle. If you are badly out of shape, it will take a while, but still doable. Through a combination of reducing your calorie intake by 250 calories and burning 250 more calories through extra muscle and exercising, you have your 500 calorie deficit for the day and probably only had to exercise an additional 30 minutes or so.
As far as healthy eating as an integral part of your healthy lifestyle, concentrate on eating more fiber by eating fresh fruits and vegetable, whole grain, and lean meat and plant protein. Not only will this diet fill you up and keep you full because of the extra fiber, but these foods tend to have fewer calories, so you consume fewer calories without reducing the bulk. It is an easy way to reduce your daily caloric intake.
Be sure to keep hydrated. Drink at least eight 8-ounce glasses of water per day. More if you are exercising outdoors in a hot climate.
Not only will fluids keep your body functioning better, but they also help flush out waste from your body, which can also help with weight loss. If you concentrate on building muscle and burning calories as exercise goals, and eat a healthy diet, the weight will naturally come off and stay off.


text:
PICTURES/VIDEO: Bleakholt sets tails wagging as dogs compete for prizes
Bleakholt sets tails wagging as dogs compete for prizes
By Amy Farnworth @FarnworthAmy News Reporter
TAILS were set wagging and rosettes were given out by the bucket load as Bleakholt Animal Sanctuary held its annual dog show.
Hundreds of pooches and their excited owners flocked to the Edenfield sanctuary on Sunday, to take part in a range of competitions, from prettiest pup to best in show.
There was even a chance to watch the unveiling of six brand new play gardens complete with exercise equipment which will provide fun for all the dogs.
Sanctuary manager, Karen Weed, said: "We've got loads going on today and so far the turnout has been amazing, in fact, I think it's the best we've ever had.
"We've got loads of competitions, there's food, drink and stalls for children, and any money raised will obviously go towards helping to keep the sanctuary running.
"We've also officially opened our new play gardens today, which we were able to build thanks to a £100,000 grant from Support Adoption for Pets, so that's been special too."
Abby Batika's dog, Bella, won first place in the gorgeous girl category, and Ms Batika, from Bolton, who also has two French bulldog cross pocket bullies called Tiny and Tofu, said the sanctuary is a great place and the dog show one of the highlights of the year.
She said: "I've been here a lot of times in the past, and I actually rescue dogs myself.
"Places like this are so important as some people don't have anywhere for their dogs to go should they need rehoming."
Dog owners, Jane and Trish, with Sam and Toby, had brought their labradors along to the show too, with Buddy, who is seven, taking second place in the fabulous fella competition.
Jane, from Bury, said: "It's our first time coming to the dog show and entering the competition and it's been a really fun day.
"Toby did a kids Ironman to raise money for Bleakholt because the work they do here is amazing."


Tarzan & Sheena have a sci-fi-fueled adventure in London in this preview of this week's Lords of the Jungle #6.
The thrilling conclusion of Tarzan and Sheena's adventure in London finds them facing off against a woman who shouldn't exist, a death-mad cult with access to impossible technology, and the hard fact that neither of them is very good at working as part of a team. With Jane's help they have just one chance to save both their homes and their futures, but will it be enough to save their own skins?


YouTube is increasingly becoming the most influential social network, and the place where pop culture is born. In fact, according to Cisco's new Visual Networking Index forecast, video usage is projected to outperform Facebook and Twitter by 2017. With the proliferation of video, we are seeing a transformation in how consumers interact with brands. Consumers are no longer just a passive audience; they are now passionate fans who are actively participating in driving value for brands.
And while there's been lots of talk about brands acting as publishers, we're increasingly finding that fans drive more value by creating videos about the brands and products that they love. Take CoverGirl, for example.
Swiffer fan views don't just outnumber the actual brand views (10,451,334 vs. 225,220); they indicate a larger shift in the way consumers are interacting with brands and using YouTube.
We're seeing fans take action in four distinct ways on a platform where they not only upload videos, but also comment live and experience instant shareability. First, fans tend to upload commercials that resonated with them. Examples range from a funny commercial like Old Spice to an exciting product release like an iPad or iPhone. These fans don't just watch a commercial; they engage.
Another big trend we've seen is brand fans expressing themselves through the "unboxing" of items they love. What is unboxing? Think of videos of fans literally opening up the boxes of products they've just purchased. From high-tech consumer products to cars to toys, these videos serve as instant reviews, where instead of going to Amazon to read feedback, people now search YouTube to get even more.
YouTube is also the place consumers turn to find out how to use a product. Basically, YouTube has become the place for pre- and postpurchase conversations.
Some fans take things even further, creating original content based on brand enthusiasm. Whether it's a Lego stop-motion animation or painting with a can of Coke, fans are showing their love for brands in unique ways.
Lastly, we see some brand fans capitalize on a pop culture moment. A recent example of this is when Charles Ramsey, who saved a captured Amanda Berry, mentioned McDonald's during his press interview. Posts of the Ramsey video received more than 11 million views in less than 24 hours. Eighty percent of those views came from fan uploads (many of which specifically mentioned McDonald's in the title of the video), and McDonald's was mentioned in user comments more than 6,000 times across those videos.
McDonald's reacted to the buzz by tweeting out support to Ramsey and giving him free burgers for a year, but imagine what else they could have done had they reached out to the super-fans that created the content that generated millions of views for them.
In order to best harness the fans and leverage these opportunities on YouTube, brands need to listen and respond. Listening means digging in to all of the real-time data associated with your brand on YouTube, and making sense of the noise. This will allow brands to discover who their superfans are, understand their global footprint and compare performance to their competitors.
Brands can use this intelligence to respond and better influence future marketing spends or work with fans to amplify messaging. These marketers can empower the fan base that was otherwise invisible by building relationships with them and teaming up with them and their respective networks. For example, Skittles did this by bringing on superfan Nathan Barnatt to create official Skittles videos. Barnatt's work tallied more than 5 million views and 190,000 subscribers—more than the official Skittles channel itself.
YouTube is a platform that is ripe with data, passion and fans of brands. And it is now 1 billion people strong. Now, more than ever, is the time for brands to capture all that value.


text:
Bryan Beach is an unincorporated community in Brazoria County, Texas, United States. According to the Handbook of Texas, the community had a population of 14 in 2000. It is located within the Greater Houston metropolitan area.

History
Bryan Beach was most likely named for local landowner James Perry Bryan during the second half of the 20th century. It served fishermen and beachgoers. Bryan Beach State Recreation Area is located a couple of miles down the beach and opened in 1973. No businesses were operating in the community, but it did have 14 residents in 2000.

Geography
Bryan Beach is located on Farm to Market Road 1495,  south of Freeport on the Gulf of Mexico in southern Brazoria County.

Education
Bryan Beach is served by the Brazosport Independent School District.

References

Unincorporated communities in Brazoria County, Texas
Unincorporated communities in Texas

redpajama_set_name: RedPajamaWikipedia


text:
Q: Need a simpler way to test many OR's in sql In MySql I have a query like ...
select x,y,a,b,c,d,e from thetable where
a!= 0 OR b!= 0 OR c!=0 OR d!=0 OR e!=0

Any shorter way to write all those OR's ?

A: There is NOT IN (set of values comma separated)
Example:
select * from thetable where 0 not in ( a, b, c, d );

If atleast a column has a 0 in a row, that row is omitted.
Refer To: MySQL: NOT IN ()

Update 1:

Well this would eliminate any case where one of the them was zero. But I want to select is if any of them is not zero. So if 5 of them are 0 and one is something else, the answer should be true.

May be you would need something similar to this:
select * from thetable where replace(concat(a,b,c,d,e,x,y),0,'') != '';

A working example is shown below:
create table t( a int, b int, c int );
insert into t values( 1,0,2 );
insert into t values( 2,5,4 );
insert into t values( 6,10,12 );
insert into t values( 0,3,8 );
insert into t values( 11,23,0 );
insert into t values( -1,6,-90 );
insert into t values( 0,0,0 );

mysql> select *,
              concat(a,b,c) concatenated,
              replace(concat(a,b,c),0,'') replaced
       from t;
+------+------+------+--------------+----------+
| a    | b    | c    | concatenated | replaced |
+------+------+------+--------------+----------+
|    1 |    0 |    2 | 102          | 12       |
|    2 |    5 |    4 | 254          | 254      |
|    6 |   10 |   12 | 61012        | 6112     |
|    0 |    3 |    8 | 038          | 38       |
|   11 |   23 |    0 | 11230        | 1123     |
|   -1 |    6 |  -90 | -16-90       | -16-9    |
|    0 |    0 |    0 | 000          |          |
+------+------+------+--------------+----------+
7 rows in set (0.00 sec)

With a where condition, you can omit the last row as it has all the column values as zeros.
mysql>  select * from t where replace(concat(a,b,c),0,'') != '';
+------+------+------+
| a    | b    | c    |
+------+------+------+
|    1 |    0 |    2 |
|    2 |    5 |    4 |
|    6 |   10 |   12 |
|    0 |    3 |    8 |
|   11 |   23 |    0 |
|   -1 |    6 |  -90 |
+------+------+------+
6 rows in set (0.00 sec)

Refer To: MySQL Replace function

redpajama_set_name: RedPajamaStackExchange


text:
Doc/Fest Alternate Realities Touring Exhibition
ALTERNATE REALITIES TOURING EXHIBITION 2018 HEADS TO UK AND INTERNATIONAL VENUES
Following last year's successful Latin American tour, Sheffield Doc/Fest announces the first ever Alternate Realities Touring Exhibition to three UK venues, then onwards to locations in Canada and Argentina.
The Alternate Realities Exhibition is a leading forum showcasing immersive and interactive story worlds. Opening this evening at Trafalgar Warehouse Sheffield, as part of Doc/Fest's 25th edition, the gallery exhibition, supported by Arts Council England, pushes the boundaries of audience experience across 27 VR, interactive documentary, gaming and augmented reality projects.
From this summer, the Alternate Realities Touring Exhibition 2018 will travel to London, Brighton and Bradford, with venues comprising the Barbican, London (20-27 August), Lighthouse as part of Brighton Digital Festival (21-30 September) and to the National Science and Media Museum in Bradford (5-14 October), in the lead up to and during the Widescreen Weekend. The UK tour is being support by Arts Council England as part of Doc/Fest's newly acquired National Portfolio Organisation funding, and presented in partnership with each of the venues involved.
Beyond the UK, the tour goes international – including to Phi Centre, Montreal, Canada (24 August - 2 September) and to Noviembre Electronico Festival, Buenos Aires, Argentina (9-17 November). The international tour 2018 is supported by British Council, following the co-presentation of a successful tour to Latin America for the first time last year.
Dan Tucker, Curator and Executive Producer of Alternate realities says: "The Touring Exhibition is now such an important part of the work we do year-round and I am extremely grateful to both Arts Council England and the British Council for their continued investment. Bringing the Alternate Realities exhibition to the new and established audiences of major arts venues like the Barbican in London and Phi Centre in Montreal is an affirmation of Doc/Fest's artistic selection and the way we showcase immersive and interactive non-fiction stories. To be part of city-wide cultural events in Bradford and Brighton will mean engagement with further new public audiences, ensuring the artworks are more accessible than ever before. Returning to Noviembre Electronico in Argentina is also a real delight."
https://www.barbican.org.uk/whats-on/2018/event/alternate-realities-sheffield-docfest-touring-exhibition
Phi Centre, Montreal, Canada
24 August - 2 September
https://phi-centre.com/en/
Brighton Digital Festival, Lighthouse, Brighton
21-30 September
http://www.lighthouse.org.uk/
Lighthouse, Brighton (part of Brighton Digital Festival)
National Science and Media Museum, Bradford
5-14 October
https://www.scienceandmediamuseum.org.uk/
Noviembre Electronico, El Cultural San Martín, Buenos Aires, Argentina
9-17 November
http://www.noviembreelectronico.elculturalsanmartin.org/
Sarah Harvey sarah@sarahharveypublicity.co.uk
Nikki Aslatt nikki@sarahharveypublicity.co.uk
Oli Gots oli@sarahharveypublicity.co.uk
About Sheffield Doc/Fest
Sheffield Doc/Fest is a world leading and the UK's premier documentary festival. Doc/Fest celebrates the art and business of documentary and all non-fiction storytelling, from feature length to short film, series, audio, interactive technology, augmented reality, virtual reality, and live events.
- Film programme of the very best in international documentary screenings;
- Alternate Realities for innovation in interactive, augmented reality and virtual reality projects;
- Talks & Sessions with world-renowned filmmakers, to inspire, inform and debate;
- Marketplace & Talent for international business, delegations, pitching and training;
- Live Events, social events and networking;
- All Year screenings, talks and training outside of the Festival period.
Across all of its programmes, Doc/Fest gives audiences the opportunity to explore documentary within one unique, six-day festival experience, in the heart of the UK.
Sheffield Doc/Fest welcomes over 32,700 Festival goers each year, including over 3,500 industry delegates from 60 countries.
The 25th Edition will take place 7-12 June 2018.


text:
Ben & Jerry's: Clash of the Cones
Series Like Ben & Jerry's: Clash of the Cones
TVSeriesLike // Aug 10, 2021
Series Like Ben & Jerry's: Clash of the Cones; If you're still searching for TV series similar to Ben & Jerry's: Clash of the Cones, look no further than the best food shows on TV. In this page we bring you top similar tv & streaming shows to watch on Food Network and other networks, all with the same taste!
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About Ben & Jerry's: Clash of the Cones
Six ice cream masters from across the country have been hand-picked for a once in a lifetime opportunity: to create an original Ben & Jerry's ice cream flavor of their own. Ben & Jerry's: Clash of the Cones, a new primetime competition, premieres with a special 90-minute episode on Monday, August 16th at 9pm ET/PT on Food Network and discovery+.
Over four episodes, host Molly Yeh challenges the ice cream makers to capture the essence of a celebrity or pop culture icon in a new and innovative ice cream flavor, inspired by the direction given from the celebrity themselves. In each episode, the competitors use a specially constructed ice cream lab on the Ben & Jerry's factory grounds in Waterbury, Vermont. After concocting their creations, the competitors hit the streets to have the public vote their favorite flavor, with the winner earning immunity from elimination. Judges Jet and Ali Tila and Ben & Jerry's Flavor Guru Chris Rivard determine which competitor was the least successful, sending that ice cream maker home and that flavor to the infamous Ben & Jerry's Flavor Graveyard.
"Viewers are in for an imaginative and entertaining ride, watching along as these gifted ice cream makers create original Ben & Jerry's flavors, based on inspiration from some of the biggest stars on the planet in food, music, and film. This is the perfect show for the entire family to gather around and watch this summer," said Courtney White, President, Food Network and Cooking Channel.
Celebrity inspirations include hip-hop icon and actor Chris "Ludacris" Bridges, Food Network's Duff Goldman and Buddy Valastro, and actor Kevin Bacon. The ice cream makers compete for a chance to impress Ben & Jerry's co-founders Ben Cohen and Jerry Greenfield for the grand prize of $20,000 – the exact amount Ben and Jerry hoped to make in their first year of business. The winner will also have the opportunity to have their flavor sampled by fans at an event in their hometown. Fans can view the series on Food Network and stream on discovery+ with new episodes available weekly, beginning August 16th.
"We've made a few pints over the last 40 years," said Ben & Jerry's co-founder Ben Cohen. "We're excited to see what these talented competitors come up with, keeping true to the euphoric chunks and swirls Ben & Jerry's is known for," added co-founder Jerry Greenfield. "It's going to be great!"
In the premiere episode, six ice cream competitors are challenged to start their journey at the end, when they must resurrect flavors from the Ben & Jerry's Flavor Graveyard to use in their creations. Then, actor Kevin Bacon challenges the competitors to make a flavor in his name that incorporates up to six degrees of ingredients. Other episodes feature the ice cream makers creating flavors after Ludacris' favorite desserts, along with making classic ice cream sandwich cookies from scratch. And see what happens when the competitors base their ice cream flavors on Food Network stars Buddy and Duff. In the finale, the final three ice cream masters meet the legends, as Ben & Jerry's co-founders Ben Cohen and Jerry Greenfield reveal their final challenge. All the competitors need to do is follow the Ben & Jerry's way: Be creative. Have fun. Make great ice cream. May the best flavor win. See which wildly imaginative frozen treat creams the competition and takes home the cold hard cash.
Fans can check out Food Network's Facebook, Instagram and Twitter handles to get a closer look at each week's winning flavor. Plus, Jet and Ali Tila will reimagine iconic Ben & Jerry's ice cream flavors as desserts! Join the conversation all season using #ClashOfTheCones.
Ben & Jerrys: Clash of the Cones is produced by Triage Entertainment for Food Network and discovery+.
Show: Ben & Jerry's: Clash of the Cones
Available On: Food Network
Genres: Food Game-Show Reality
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Good day, and welcome to the Fourth Quarter and Fiscal Year 2018 Earnings Conference Call. (Operator Instructions) Please note, this event is being recorded.
I would now like to turn the conference over to Mr. Kenneth Mahon, President and CEO. Please go ahead.
Thank you, Sean, and thanks, everyone, for joining us this evening. On the call with me today are our newly minted CFO, Avi Reddy, you may have seen the announcement the other day; and also Chief Accounting Officer, Leslie Veluswamy. So I'm really starting today at 4:30. So in our prepared remarks I'm going to pick up some of the broad themes that underlie the earnings release and also our outlook for fiscal year 2019. I'll keep my opening remarks brief, and then we'll leave some time for questions at the end.
As many of you who follow us know at the beginning of 2017, 2 years ago, this month, upon the retirement of our long-serving CEO, Vinny Palagiano, we undertook the strategy of transforming the company's monoline multifamily business model. We chose the company's vision that of becoming a robust community commercial bank. Primary impetus for the change was because we believed the community commercial bank model provides the possibility of better returns for shareholders in the future, given changes in the operating landscape over time in the form of better returns on equity and better trading multiples to book value into earnings.
Dime's business model transformation has been focused on producing a higher-quality balance sheet structure summarizing these 4 financial metrics: First, growing our checking account balances; growing relationship-based commercial loans that have good risk-adjusted returns; increasing low-cost business deposit sourced both from our commercial customers and from our branches; and continuing to reduce our CRE concentration ratio.
So let's first start with growing our checking account balances. On a year-over-year basis, the sum of noninterest-bearing and interest-bearing checking accounts increased by 18.5% to $502 million at the end of December. Every dollar of low-cost deposits that we raise increases the franchise value of the company. One of my favorite Tom Brown expressions is "fearless focus". So from the CEO to our entire customer-facing staff, our incentive plans are designed around incenting low-cost deposit growth.
Second, our second objective, financial objective was growing relationship-based commercial loans. The Business Banking division's portfolio grew to $648 million at the end of the year compared to $236 million at year-end 2017. Portfolio now represents 12% of total loans. Our net portfolio growth target for our first year in business was $250 million, which we came close to achieving. We weren't really sure at that point what our capabilities were going to be.
For 2018, however, we established a net portfolio growth target of approximately $315 million and actually achieved $412 million of net portfolio growth for the year, surpassing our own internal target by over $90 million, 30% of the -- higher than the beginning portfolio objective. We doubled the number of teams in the year and now have 6 productive lending teams.
Increasing low-cost business deposits sourced is the third objective. Total commercial banking deposits from our Business Banking division and our legacy multifamily division increased by almost 25% or $85 million on a year-over-year basis and now comprise 10% of total deposits as compared to 8% a year ago.
And our fourth targeted balance sheet metric is the CRE concentration ratio. We reduced Dime's consolidated CRE concentration ratio from 775% at the beginning of the year to 703% at the end of 2018, just a couple of percentage points from being with the headline number of being under 700%. As described above, we've made good quantifiable progress on all 4 fronts, and we only plan to get better in the year ahead. The last 2 years were mainly occupied with building the foundation in both people and culture for successful execution of the business model.
For me and our executives, 2019 will be a year of back to the basics. Just in the past 2 years alone, we've been busy. We've entered these 3 new business lines, that being Business Banking, residential and SBA. We opened 3 new branches. This year, in 2018, we completed the conversion of our legacy core technology platform. We've installed a new commercial loan origination system. And we brought in a tremendous number of talented new hires with previous commercial bank experience. It's now incumbent on the team to fully leverage these investments in people and systems and to continue to drive EPS growth. Despite all these significant investments and the costs associated with hiring relationship bankers and support staff for our Business Banking division, we were able to keep total core noninterest expenses for the year at approximately $86 million, which was within the range we had provided at the start of the year.
A continuing hallmark of Dime's culture over time has been managing expenses prudently, and we remain committed to keeping operating costs down while simultaneously reinvesting in our business and growing our relationship-based Business Banking division. Managing down operating costs is one of the profitability differentiators between high-performing commercial banks and the rest of the sector. That's where we would like to be.
There's been another important ancillary benefit that this Business Banking division build-out has had on how we operate our legacy multifamily business. Historically, Dime had only multifamily business to achieve balance sheet growth. We basically took what the market gave us in terms of rates and deposits. Now we have the flexibility to look for deals that meet our return hurdles, while keeping in mind our goal to improve the quality of the balance sheet. For example, in the fourth quarter, our multifamily group originated approximately $100 million worth of loans at a weighted average rate of about 4 3/4 while also bringing along more deposits and still utilizing our historically sound credit quality box and parameters that we've always applied to the multifamily business. Typical rack rates in that portion of the market were closer to 4 to 4 1/4. So we've achieved substantially higher yields in the loans that we did bring on. Very proud of the group over in the multifamily team because they've adapted to the new mission of focusing on important relationships, solid margins and returns, over chasing balance sheet growth.
In addition to the multifamily group, our residential lending operation is now fully online. We expect this group to remain a small but important part of our overall balance sheet as it serves 4 purposes. First, it enables us to serve the personal loan needs of our Business Banking customers and deepen those relationships. We've already had success on several large and important business relationships, but we now provide the home mortgage to the business owner and hopefully, have created a stickier relationship.
Second, it enhances the Dime brand in our branch markets and then is another sales tool for our retail staff. Third, growth in the residential portfolio also reduces our CRE concentration and last and, importantly, it is another added asset class to help manage the balance sheet and modulate growth depending on risk-adjusted returns we see for each business. This team was a lift-out from a former in-market bank. So once we got the technology infrastructure in place, they became productive almost immediately. To summarize, the Dime Commercial Bank business model is today a 3-legged stool. Relationship Business Banking, a more profitable multifamily model and residential lending.
If you -- for those of you who have seen our investor slide deck, one of my favorite pages in that deck is one where we present -- we compare our loan yields and our deposit costs to a peer group of about 13 banks in the local market. As of the quarter end at September 30, it's the latest period for which we have numbers, Dime lagged the median loan yield of the peer group by about 55 basis points. So the median yield of those 13 banks in the loan portfolio was 4.28. Dime at September 30, was 3.73. So we still say today was what we said a year ago, there's a lot of runway in our ability to pick up yield without growth in the balance sheet. Now we believed that a year ago, and we're happy to say that you're starting to see the results of that now.
The weighted average rate on our total Business Banking originations, which would be the real estate and C&I combined, in the fourth quarter was 5.38%, which is already higher than the median. So I'm confident that we have the infrastructure in place to make up the remaining ground versus the peer group to at least reach the median yield.
The deposit side of the equation is similar. If you look back at the fourth quarter of 2016, just prior to when the Federal Reserve started to raise interest rates in earnest, Dime was almost dead last from a cost of deposits perspective when compared to the 13 peer banks. Now our cost of deposits is actually 20 to 30 basis points lower than some of those same competitors. That said, we know we can do better in terms of improving our noninterest-bearing deposit percentages to that of high-performing commercial banks, which you would typically see in the 20% to 30% range of total deposits.
If we move on to -- a few words about the quarterly earnings per share. The details are in the press release. I just want to point out a few things and then we'll end up. The core -- we're very pleased that core EPS showed up at $0.34 this quarter. Pleased but not surprised. It's up 6.3% on a linked-quarter basis and that both of reported margin and the margin excluding prepayment fees expanded also in the quarter. This was a direct result of our relationship-based build-out and the weighted average rate on loans trending higher, as the Business Banking portfolio became a larger percentage of the overall balance sheet. Our deposit betas also slowed as the cost of deposits was up only 9 basis points in the quarter versus 12 basis points in the prior quarter. Noninterest-bearing deposits will continue to grow.
As I said earlier, we are focused on keeping deposit betas as low as possible while managing the loan-to-deposit ratio within a range of 125%. We ended the year with a loan-to-deposit ratio of 124%. Dime's reported tangible book value per share at the end of the quarter was $15.14. Our credit quality continues to remain pristine with nonperforming loans to loans of 4 basis points, 0.04, 4 basis points and 30- to 90-day delinquencies of less than $500,000. It was $531,000 at the end of the prior quarter. It remains a phenomenal asset quality track record of which we are proud.
Now let's move on to the outlook for fiscal year 2019. We expect net portfolio growth for the Business Banking division of at least $650 million to $700 million. That's net portfolio of growth. As mentioned previously, we beat our internal ending portfolio target for fiscal year 2018 by over $90 million and see strong demand due to our responsive customer focused platform and known brand name in the marketplace. As Dime shows longevity and commitment to the commercial bank model where we are being shown more opportunities to add lending teams.
As for total assets, we'd like to see some modest level of balance sheet growth for leveraging investments we have made in infrastructure. We are ultimately the most focused on improving the quality of our balance sheet. We refer to that as sort of building the new balance sheet inside the old balance sheet. The year-end 2019 total asset number will be a function of future payoffs in the multifamily business, which is still a question in the next couple of years. That said, we have been aggressive purchasers of our own shares in the second half of 2018. We have an active share repurchase plan in place, and we'll take advantage of the volatility in the sector valuations by buying back our shares. We have the capital to do so.
As we segue into capital management, we expect to run the company at approximately 8.5% tangible common ratio in 2019. We're above that ratio now by about 0.25%. Tangible common ratio is 8.75%. Repurchasing shares at our recent trading metrics produces a very, very short-term tangible book value earn-back period. We always try to take actions that produce superior long- and intermediate-term returns for our shareholders. Dime has always been a good steward of capital and has grown tangible book value per share by approximately 46% over the last 5 years and 123% over the last 10 years. When you include $0.56 annual dividends, cash dividends that we have maintained, this creates an economic value creation to our shareholders of over 73% over 5 years and 205% over the last 10 years, respectively.
I'd also note that in the second half of 2018, Dime repurchased approximately $26 million of common stock. That represents 3.5% decrease in our common shares outstanding for the full year when compared to 2017. The annual cash dividend in 2018, that imputes -- plus the repurchase, it imputes to an approximately 90% payout ratio for the year. In 2019, we remain committed to returning capital to our shareholders keeping in mind our 8.5% tangible common ratio target.
Returning again to the outlook on the balance sheet liquidity, that was built up significantly over the past 18 months. It is now at a level we're comfortable with. It's more in line with our peers, and we don't expect any material increases from current levels.
As for net interest margin, for all the usual reasons, we don't provide quantitative NIM guidance. It depends on a number of extraneous factors, including the Federal Reserve, the shape of the curve, future competitive pricing environment for deposits. What we'll say on the NIM is this: the weighted average rate on $648 million of Business Banking portfolio was 5.22% at year-end 2018 and it was accompanied by $188 million of total self-funding deposits at a weighted average rate of 51 basis points. This leads to a Business Banking portfolio NIM in excess of 3 3/4, far above our NIM on earning assets today.
While there are various factors that will affect the changes in NIM on a quarter-to-quarter basis, the medium- to long-term trajectory of our NIM is clearly upward. I spoke about the fact that the Business Banking portfolio is expected to become a larger and larger percentage of the balance sheet over time. Additionally, as disclosed in our press release, we have almost $1.5 billion of repricing assets, which have a fairly low weighted average coupon of approximately 3.43% to $1.5 billion of repricing multifamily loans over the next 2 years. That should help with the upward trajectory of NIM.
So what I'll comment here, too, when it comes to the repricing assets, many of you know historically in this business, a lot of those loans do not reach their repricing period, borrowers tend to come in early. So it's $1.5 billion based on their contractual repricing date. The -- it could be possible that we see repayments happen faster than what the contractual repricings would indicate.
Noninterest expense for the fiscal year 2019 should be in the range of $88 million to $90 million. This estimate does include the cost of hiring new lending teams to meet our aforementioned portfolio growth estimates for the Business Banking division. Finally, in fee income, while 2018 was a slow year for us in the SBA business, we did receive PLP status and hope to grow the business line in 2019. Recognizing the SBA shutdown right now, that could put a crimp or at least slow progress down.
Secondary market premiums have also been down the latter half of 2018. So the business is not quite as profitable as it was when we thought about the build-out a year ago, but it's still a very good source of non-spread revenue. And we had a very low contribution in 2018 to the revenue line, probably in the range of $200,000 to $300,000. So it's not going to be a material change. It shouldn't be materially lower than that -- materially lower than that in 2019.
We also need to optimize our new core technology platform to help drive higher commercial banking fees. So we put the system in. There are a lot of new bells and whistles on the system that we have yet to bring online, but we expect to do that in the first half of the year. And lastly, the tax rate, we expect that to be approximately 25%.
So with that I'd ask Sean, if you please open up the line for questions.
(Operator Instructions) Our first question comes from Mark Fitzgibbon with Sandler O'Neill + Partners.
I just -- maybe let me start by saying congrats to Avi and Leslie.
Ken, just to clarify one of your comments. I think you said net portfolio growth of $650 million to $700 million. So that's exclusive of any runoff in the multifamily portfolio, and does that imply you're going to see balance sheet growth this quarter?
No, Mark, I just want to clarify. So Ken's comments said the Business Banking portfolio is $648 million at the end of the year. That particular portfolio, we're guiding towards $650 million to $700 million of net growth for that portfolio inclusive of payoffs in the Business Banking portfolio. So you should expect that portfolio at the end of 2019 to be between $1.3 billion and $1.35 billion. In terms of the multifamily portfolio, as Ken mentioned, it's a bit hard to predict payoffs over there. We'd like to see some overall growth in the overall balance sheet, but we're not going to be providing projections for that particular portfolio. One of the things that Ken did mention is we're very focused on making sure the risk-adjusted returns on that business are profitable to us. As Ken mentioned, we originated over $100 million of loans in the multifamily business at 4.75 in the quarter. So for that portfolio, if we're able to get good rates, there's a possibility that the portfolio doesn't go down as much as it did last year, but it's really going to be a function of market rates and where we see the return over there.
But am I thinking about it the right way, Avi, that if you have roughly $613 million of multifamily loans repricing and let's just assume for argument's sake most of those go away, and you originate another $650 million of new loans. So the balance sheet isn't going to grow much this year? Is that what I should read into it?
No, Mark, the $615 million of repricing loans, there's a function of those loans that will stay with us; there's a function that will go away and refinance away, right. So when you think about our overall balance sheet, what we're really asking you to do is to split our portfolio into 2. On the Business Banking side, right, that portfolio is $645 million. That portfolio is going to grow somewhere between $650 million and $700 million. The multifamily portfolio, which is the remainder of the portfolio, that's going to be a function of payoffs. Payoffs are going to be determined by borrowers that do have repricing loans coming up or, as Ken said, loans that are 1.5 year out, they could also come in to refinance. That's really going to be subject to where we see rates in the market and whether we think the risk-reward of doing those loans are advantageous to us. What we're really going to do is make sure that, as Ken said, we're going to manage our capital base at around 8.5%. So if we don't see much growth in that particular business, we'll be sure to use our capital to buy back shares and to drive earnings growth with that.
Mark, if I could add, the way that -- that's the wildcard in projecting next year. What's going to happen with the repricing multifamily loans? They reprice at 2.50 over the Federal Home Loan Bank 5-year rate. That would probably put those loans today at over 5%. I can -- I wouldn't guarantee it, but I have a pretty good idea that you're going to see rates lower than that in the multifamily business in 2019. In which case, we have 2 things we can do. We can either step up to the plate and give them a lower rate or we can let the loans walk and reinvest in our business. I mean a good deal for us would be where we keep enough of our existing portfolio where what the production we're getting out of Business Banking area enables us to grow assets a little bit. But we wouldn't even try to predict that. They're very volatile, and it's hard to predict what the consumer behavior is going to be in the multifamily market.
Okay. And then, secondly, what sort of goals have you set for SBA volumes and resi mortgage volumes this year?
Sure, Mark. On the SBA side, we've just recently made a hire. We have PLP status, so that helps us walk with the borrowers more expeditiously. Last year, we were a little hamstrung because every loan that we do, we need to send it to the SBA and get it approved over there. I think we'd like to see the fee revenue from that business somewhere in the $1 million to $1.5-ish million annual run rate by the end of the year. It's a fairly small number. That said, Stu Lubow used to run the group for us, runs our Business Banking group. He's run a fairly successful SBA group at one of his previous banks. So think about in the $1 million to $1.5 million area, but this particular year, Mark, we only have around $200,000 to $300,000 of fees from that business. So it's fairly slow for us, but I think once we have the PLP status, we're hopeful that it produces more over time.
Our next question comes from Collyn Gilbert with KBW.
If we could just start on the deposit side, just a couple questions. Ken, you had indicated in your comments, one of the goals is to continue to grow noninterest-bearing deposits. Is the objective to try to have growth in '19 be comparable to what you guys put up in '18? Or should we kind of think that maybe that growth rate would start to slow a little bit?
No, Collyn, in '18, we grew our noninterest-bearing deposit ratio by approximately 200 basis points, right? So as you think about the growth we've outlined in the -- in our Business Banking division, those loans come with associated deposits. So there's $188 million of total deposits in that particular business and there's a big chunk of that that's noninterest-bearing. So as that portfolio grows and as that portfolio grows an even greater amounts than it did the previous year, because the previous year our growth was only $400 million for the whole portfolio. You should expect at least that 200 basis points growth in noninterest-bearing deposits. The other thing that we have going at our branches is we're really focused on business deposits at the branches, and we've made a lot of cultural changes at the branches and really focused on the business customer and that's really starting to bear fruit at this point. So as I said, at a minimum, our expectation would be to continue growing that in the 200-ish basis points and upwards area over time on an annual basis.
As the year went along in 2018, we were bringing in more branch managers from commercial banks who are used to getting out from behind the desk and going out and knocking on doors. That wasn't the typical thrift mentality when it came to deposit raising. You'll see more traction in that area in 2019.
Okay. Okay, that's helpful. And can you just remind us what the online or the Internet balance is or was at year-end? And what the blended rate was on that?
Sure. So at the end of the year, Collyn, the Internet was around $290 million and the blended rate on that was around 1.45.
Okay. And do you have -- I know, there was runoff in that this quarter. Do you have it sort of a targeted balance or size that you want that segment of the deposits to be?
Great. So more -- a lot of the remaining customers, Collyn, in that base, a lot of them are from the tristate area, the people who recognize the Dime brand. They've stayed with us at a rate that's not market-leading at this point. So we'd hope that the attrition slows over there. At the end of the day, we're trying to move people towards the branch channel and really have more of a relationship with them than just an online relationship. So we'll use the channel as we see fit in terms of managing our net interest margin position, our liquidity position. So we want to be flexible there. I think one of the things Ken always says is we're experienced with the business. We know how it works. We can turn it on if we want to, but right now the focus is really improving the quality of our balance sheet and by growing noninterest-bearing deposits.
Okay. Okay, that's helpful. And then just curious, Ken, you had said that the multifamily -- I think, if I heard you correctly that the multifamily rate that you guys are offering now is at 4.75. And do we assume by your comments that that's above the market rate then?
Okay. And what is it -- what's happening? Why are you able to get those better than market rates on some of that production?
A lot of it -- the people we've been able to keep -- keep customers -- have been customers of ours for a long time and there's a certain amount of -- it's the idea, do I want to go through and have to go through this process with a new bank? Or is it just easier for me to accept a rate that's higher, but not so higher -- not so much higher that it's painful and just roll it over into the rate -- the rate that we give them? So it's lower than what it would be on the repricing and, as I said here, with a 250 point margin. But it's not as low as they could get if they went back to their broker, for example, and tried to shop the loan around. So there's always a portion of your customers that are going to stay with you, and that's kind of sort of what we're seeing here. Not to mention the fact -- and I know that it sounds trite but when it comes to service quality, that part of the business was always a machine for us. And that hasn't gone away. The people that are still running that business, the service providers we use, the appraisers we use, the attorneys we use, they know that business pretty well. So what I found that the big difference for me between the business we're doing now under Stu and Conrad in Business Banking and in the multifamily business is the multifamily business -- from month-to-month, you can modulate what you want to do in that business. The lead time on the business loans, it could be months and months.
Okay. Okay, that's helpful. And then just, Avi, can you just remind us how we should be thinking about -- I know you've said it before, but since we're only get to get these calls once a year, how -- to be thinking about the provision and your reserving and just as you guys are adding the Business Banking, kind of what you're thinking about in terms of what historical loss rates have been within some of those portfolios? I'm just trying to get a sense on some of the credit costs tied to what you're adding.
Yes. So I think, in general, Collyn, any net growth in the real estate portfolio, the multifamily and the Business Banking, it's around 40 basis points in terms of net growth in the portfolio. And then on the C&I side, any C&I loan is around 150 basis points. So any time we grow loans, it will be 150 basis points.
Our next question comes from Matthew Breese with Piper Jaffray.
I was hoping to go back to the margin guidance. I know you didn't want to get too far into it. You said in the medium and long term, you could see some upside. But do you think we could at least see stability in the near to medium term? And have we hit an inflection point? That's the real question.
Matt, I think you're asking the same question a different way. So we'll just leave the modeling up to you. I think what we would point out is when we had the call in the first half of 2018, I think what Ken mentioned then is, look, I mean, it's hard to predict the margin quarter-to-quarter. But if you take a view that we have 2 different balance sheets, one that has a NIM of 3.75% and one that has a lower margin, you can obviously see some of our peers that are in the regular multifamily business that have only one way of generating growth, obviously, we have multiple ways at this point. And you make a certain assumption of how quickly that's going to grow, the Business Banking piece. You're going to end up with a higher medium-term margin, right.
And so -- yes, I mean, look, quarter-to-quarter, it's tough to say. In the first quarter of the year, there's a day count issue. We have some escrow deposits at the end of Q4 that we usually pay out that helps the margin slightly in Q4. But I would say, a year from now, the margin should be definitely higher than what it was now. And we're very pleased that in this quarter, the core margin expanded. In terms of the modeling, we'll leave that up to you.
Okay. And if you had to describe the interest rate position of the balance sheet, liability-sensitive, neutral asset-sensitive, how would you do that right now?
Right. I mean, I think every bank, they have disclosures in the 10-K and 10-Q and every bank uses different assumptions. The word asset-sensitive, liability-sensitive, it's -- you can make different conclusion from what different people say. What I think we would say is that over the next couple of years, we have $1.5 billion of repricing loans. It's really going to give us an opportunity to reprice the whole balance sheet at higher yield. We're also changing the composition of our deposit base. So what we really want you to take away is regardless of the interest rate environment, we've created a couple of different business lanes. And not to downplay the residential side as well, which if yields pick up in that, that could help us as well. That's going to help us grow our margin over time.
Okay. And then turning to the Business Banking division and the funding there, I think you said it was $180 million funding, $648 million, so roughly 30% self-funded. But I know it's usually easier to get the loan before the deposits. And so as we think about the next incremental $650 million in Business Banking loans, should we expect a similar fund rate or better or worse? Or what are your expectations there?
Well, I mean, we'd of course like it to be the same. I mean, that said, it's a competitive market. It's just going to depend on where rates are at when -- when the Fed was raising rates, a lot of people who wanted to -- who would have otherwise put money in a noninterest-bearing deposit, they wanted the money market. If the Fed doesn't raise, and if the Fed does drop it at some point, maybe people will keep money in a noninterest-bearing deposit. So it's really, again, when you look at a good commercial bank like Ken pointed out, 20% to 30% in that, the mix between noninterest-bearing and interest-bearing, it depends on a customer-by-customer basis. At this point, the 16 we have are fully online. We'd be happy to replicate what we had right now, but regardless of that, the noninterest-bearing percentage should continue to grow -- go up over time.
The incentive plans are written in a way that the business development officers can return back to the customers they made loans to last year and still get credit for the deposits they bring in this year on those customers. So they're really incented on our balance sheet. So if they didn't get a single deposit from any loan they made this year but doubled the amount of deposits they got last year, they get credit for it.
I mean the other thing I'd point out, Matt, is that obviously the loan growth target for this year, it's $650 million to $700 million. That's obviously higher than the $400 million. So at times, when you're trying to manage the balance sheet, you've got to mix the realities of growing loans versus getting deposits. So the loan target is fairly high. If we're able to accomplish the same percentage, we would be extremely happy. If it's a little bit lower, it's still -- it would help us push up the noninterest-bearing percentage over that 200 basis points bogey that we talked about full year.
Understood. Okay. And then I just wanted to gauge a sense for appetite on the stock repurchase. Is that something at these levels you're looking to execute on?
Yes. Matt, I mean, again, we won't share our secret sauce. But where the stock's trading at, the [en banc] is fairly shot. Ken said, we're committed to managing the capital base at around 8.5%. We won't rule out anything. We were aggressive purchasers when the shares were in the 17s. We'll look at the stock price. There could be events in Q1 with Brexit and with other things that could cause market volatility. And if our stock outperforms, look, there are other ways to use our capital. And so we won't rule out anything, but we look at it all the time.
Actually, that was -- I did want to follow-up on the share repurchase topic as well following up on Matt's question. So I appreciate maybe an unwillingness to sort of give your secret sauces to the strategy going forward, but I'm just trying to understand what would have prompted you all to buy fewer shares back in the fourth quarter as you did in the third quarter? And I guess, if I'm thinking about growth opportunities, you've already highlighted your tangible common equity goal, just so -- because as we're trying to model what your appetite might be going forward, I'm just trying to understand why was the fourth quarter repurchase activity so much less than the third quarter?
Sure. Collyn, this is Avi. I mean, we're obviously a regulated bank. So when we set our capital plans at the start of the year, we have to go back to our regulators, do our internal plans, things like that. So there's just other considerations than just looking at the stock price. In addition to that, when we do repurchases there's cash at the holding company and there's cash at the bank level. So it takes time to move cash up and down. So those are just things that, apart from just looking at the share price in terms of when we can do our buybacks.
Okay. But should we assume that you're kind of -- like the pathway ahead is pretty clear? And there shouldn't be any additional hurdles that would keep you from being as aggressive as possible going forward? Again, with the mindfulness to that TCE ratio target?
Yes, no -- we'll just reiterate what we said. The target is 8.5%. If there are opportunities to buy it back at a price that we feel attractive, we will. It's hard to do it all overnight. We also want to do it in pieces. It's also managing the actual capital ratio, right. So at June 30, the capital is at 9%, we moved that down to 8.8%, then we moved that down to 8.7%, now we're moving it down gradually over time. So I mean, there's no restriction that we have. We started the deal. We've done our capital planning. We feel comfortable at 8.5% after doing our stress testing. So we'll leave it at that.
At this time, there are no more questions in the question queue. And this will conclude our question-and-answer session. I would like to turn the conference back over to Mr. Kenneth Mahon for any closing remarks.
Thanks, Sean. Thank you. Thanks again for joining us everybody. I'm actually -- I feel like I see the light at the end of the tunnel here, and it's not the oncoming train. We have the -- we have all the building blocks in place here. We're executing the strategy that we had outlined for ourselves. We think we put ourselves in a good position over the next couple of years and compare this to the multifamily model, the monoline model that we were running for so long. So I'm proud of where we are, and I'm looking forward to talking to you in the future.
Collyn, I will tell you, we didn't do 1 -- we're not doing 1 a year. We did 1 in July. Our expectation is that we'll do another conference call in July of this year, but as we said earlier, every quarter. You'll have a chance to make a course correction in the middle of the year if you need some more information from us. But thank you again, everybody, for joining us, and we'll look forward to the next call.
This conference has now concluded. Thank you for attending today's presentation, and you may now disconnect.


An overturned tractor-trailer truck is causing major backups to the morning commute on northbound Route 287 in Morristown, police say.
The accident, first reported at 6:40 a.m., is located near Exit 36 for Madison Avenue.
Morristown police issued an advisory, warning residents of heavy traffic delays in the area, including local roads feeding the highway, and to plan alternate routes.
A Department of Transportation crew is at the accident scene.
Northbound traffic at 7:40 a.m. was slow as far south as Bernardsville, according to DOT updates.


Dora Dora Dora the Explorer was the theme for Vaughn's birthday party Saturday night. We celebrated her second birthday fiesta style...bag o tacos and all! I still can't believe how much you have changed in a year Vaughnie...Enjoy your year and Happy Birthday to you. Love your cheeks and LOVE you lots!


The deadline to file your calendar year 2015 corporate tax returns (forms 1120 and 1120S) is Tuesday, March 15th, 2016. With only 2 weeks remaining before the deadline, it is important to contact your CPA right away to discuss your filing options. If you require more time to file your corporate return, you can request a 6-month extension by filing Form 7004 before the March 15th deadline. Penalties for failing to file or extend your corporate tax returns can be up to 25% of the unpaid tax for an 1120 and $195 per shareholder per month for an 1120S.
The March 15th corporate deadline also applies to businesses that would like to file an election to be taxed as an S-Corporation on Form 2553. AA Tax CPA can help you determine if this option is best for your business, and can file the election for you if doing so is in your best interest.


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With equities continuing to break new historic highs, the VIX was naturally continuing to melt lower, settling -3.0% @ 14.80. Near term outlook is for VIX 12/11s by year end. The big 20 threshold looks out of range until at least late January.
VIX remains in melt mode, and looks set to go sub-teens before year end.
US equities closed broadly higher for the fifth consecutive day, sp +3pts @ 2082 (intra high 2086). The two leaders - Trans/R2K, settled higher by 0.8% and +0.1% respectively. Near term outlook is for continued moderate upside to the sp'2095/2105 zone by year end.. along with VIX in the 12/11s.
There is little to add, on what was a rather classic pre-holiday day of low vol' melt... not least in the more stable heavy industrials.
US equities look set to broadly close higher for the fifth consecutive day, having broken the psy' level of Dow 18k, along with a new high of sp'2086. There is probably another 0.5-1.0% of upside in the remainder of the year.
Another day for the bull maniacs, and it remains a case of broader melt to the upside.
The broader US equity market remains higher for a fifth day, although there is some notable weakness in the momo stocks. VIX remains cooling, -3% in the upper 14s... the 12/11s are coming before year end. Metals have managed a minor bounce, Gold +$4... but look broadly bearish.
Oil is holding gains of around 2%.... remains broadly choppy... still no definitive sign of a floor yet, although I'm content with calling a floor from last week of $53.60.
Today is day'5 of the latest hyper-ramp, with the mighty Dow having climbed almost a full thousand points since the Tuesday close of 17067. There looks to be another 125/150pts before year end, equating to sp'2095/2105... along with VIX 12/11s.
*I thought a brief reminder on the bigger monthly cycle would be useful for this lunch.
In terms of the Dow, for the equity bears.. it most pretty bad to see only 3 negative monthly closings... and only January even rated as significant.
December certainly looks set for another positive close... somewhere in the 18100s.
The sixth blue candle.... awaiting the first green... which seems highly likely within the next few days.
US equities are cooling a touch from the earlier highs... with the R2K set to slip under 1200. Metals are holding minor gains, Gold +$5, but looks vulnerable to closing red. Oil is holding sig' gains, +1.6%.
With the econ-data out of the way... market is back into micro holiday chop mode.
Although both FCX and TCK look highly vulnerable, with Copper prices still <$3... with low $2s viable next yr.
*R2K... 1205... getting very close to breaking a new historic high.. and that will be the ultimate signal for next year.
Notable strength: CHK +7%... on an announced $1bn buyback... yeah... buying back stock will solve ALL their problems.
So.. today is day'5 of this latest up cycle, and new historic highs are set to be hit.
R2K will be a mere 4/5pts shy of 1213 at the open... and that is what really matters.
US equities look set to close the year at new historic highs, with the sp'2100s and Dow 18000s. Even the R2K is set to break out after a year long of pain. Yet.. what about 2015? Its time to submit YOUR outlook for end 2015.
Suffice to say... day'4 up for the US equity market. Second green candle on the weekly 'rainbow' chart... nothing bearish here!
I had been meaning to do this last year, but I never got around to it. With just over a full week left of the year... I'm open to taking your predictions!
Primary - 2015 year end target for sp'500. Submit a specific number, rather than a range.
Secondary - anything else you want to note, whether Dow, a commodity, individual stock, or even an economic trend. No more than a few sentences/brief notes only please!
You are free to email me (see CONTACT).. left column... but if you do... please let me know what 'display name' I should use, to go with your target/notes, for publishing on Jan1'st.
You could also post via Twitter.. to any of my most recent tweets.
1. Prize? The only prize is the prize of being more right than any of the other maniacs out there, not least yours truly!
2. I will publicly post your sp'500 target, along with your DISQUS name, Twitter handle, the website that you represent, OR any other name of your choice.
*I strongly suggest you submit via Disqus... it makes things somewhat easier for me.
3. You are welcome to adjust/re-submit an entry up to midnight (UK) Dec'31st 2014.
4. I aim to post the full list of entries on Thursday Jan'1st 2015, and will likely occasionally refer back to them across next year.
What is my target for end 2015?
US equities saw a little chop, but still closed broadly higher for the fourth consecutive day, sp +7pts @ 2078. The two leaders - Trans/R2K, settled higher by 1.0% and 0.5% respectively. Near term outlook offers a year end close in the sp'2100s.. with much higher levels (2300s) by late spring.
*the R2K remains something a great many seriously need to keep in mind. Once above the July high of 1213, the R2K will just keep on pushing... and bring the rest of the market with it.


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Summerfield es un pueblo ubicado en el condado de Guilford en el estado estadounidense de Carolina del Norte. La localidad en el año 2000, tenía una población de 7.018 habitantes en una superficie de 70,6 km², con una densidad poblacional de 99,9 personas por km².

Geografía
Summerfield se encuentra ubicado en las coordenadas . Según la Oficina del Censo, la localidad tiene un área total de , de la cual  es tierra y  (0.62%) es agua.

Localidades adyacentes
El siguiente diagrama muestra a las localidades en un radio de  de Summerfield.

Demografía
En el 2000 la renta per cápita promedia del hogar era de $71.738, y el ingreso promedio para una familia era de $79.433. El ingreso per cápita para la localidad era de $33.116. En 2000 los hombres tenían un ingreso per cápita de $51.838 contra $32.798 para las mujeres. Alrededor del 3.80% de la población estaba bajo el umbral de pobreza nacional.

Referencias

Enlaces externos

Pueblos de Carolina del Norte
Localidades del condado de Guilford


- Pick an thought for the project based on the interest.
– Why does a ball bounce when it truly is thrown,http://www.febapelcouture.com/blog/Nike-Free-Run-3-Mens-Blue.html, kicked, dribbled or hit?
– Do sports drinks play an successful role in an athlete's performance?
– Does the flight of a baseball depend upon the spin in the ball,http://www.febapelcouture.com/blog/tiffany-free-runs.html?
Sports are a crucial component of our educational method and sports science fair projects will aid to promote the human quest for understanding and improve the interest of an individual towards sports activities. Promoting sports science fair projects also pave methods to integrate sport and physical education into the over all development of an individual.
– Analyze the collected data and categorize them accordingly in tables.
– Which sort of turn is far better in a skating race a tight, medium, or a wide? Why?
– Collect details concerning the literature in the certain project.
While trying to find sports science fair projects,http://www.febapelcouture.com/blog/Nike-Free-5.0-%2b-Mens-Running-Shoes-Dark-Blue-Orange.html, among the tough tasks is deciding on the problem. The project does not have to be really complicated or pricey or use specialized equipments. It is not required to buy pricey project kits to carry out a project. Typical sports equipments can be employed to conduct the project. With a small imagination fantastic sports science project concepts can be developed.
– Summarize and prepare a report of the project with all of the needed particulars.
– What exactly is the impact of workout on heart rate,http://www.febapelcouture.com/blog/Nike-Free-6.0-Spider-Leather-Womens-Black-White.html?
Sports science fair projects are a wonderful way of connecting sports and science. It is a fantastic idea to enrich one's knowledge about the favorite sports by opting for carrying out a sports science fair project. You'll find a lot of exciting ways to apply science principles to sports. By operating scientifically on preferred sports might even help your students to turn into a better sports player.
– Create a Plan and chart out every phase of the project into a number of tasks.
– Does exercise has any role to play within the far better working of brain?
– Which bat is greater, an aluminium or a wooden bat to play baseball?
* Adjustable incline ramps and pedals to differ the muscle usage and workout intensity.
and following the subsequent step closely.
toe-peep and such shoes are a lot more in fashion.


text:
Thorndike Striving Reader
Offered By: Thorndike Striving Reader
Published/Released April 2000
Series Complete
Young Adult - Large Print Standing Order Plan
Offers the best of young adult literature in a large print format' designed for reading levels from grades 8 through 12 and beyond. These are high-appeal titles with adult crossover potential.
A #1 New York Times Bestselling Series
Harry Potter Series (Book 3)
What's a young wizard to do when he must spend the summer with distasteful relatives and refrain from practicing magic? Thirteen-year-old Harry Potter puts up with this situation until Aunt Marge so annoys him that he violates a code of ethics by using his magic on her. Instead of being punished, Harry is allowed to finish out his holiday at the Leaky Cauldron Inn, a thoroughly enjoyable experience. But as Harry's third year at Hogwarts school of Witchcraft and Wizardry begins, things turn serious when Sirius Black, the man who killed Harry's parents and has it in for Harry, too, escapes from Azkaban Prison. While trying to find out why Sirius murdered his parents, the young hero learns more about his own past and actually "hears" the end of his mothers life. In this third book of the Harry Potter series, Harry Hangs out with his friends Ron and Hermione, meets the "Hippogriffs" and "Dementors," and continues to make readers care very much about his fate.
No Canadian Rights for the Harry Potter Series
HARRY POTTER and all related characters and elements are trademarks of and © Warner Bros. Entertainment Inc. Harry Potter publishing rights © J. K. Rowling. (s05)
"This is a fabulously entertaining read that will have Harry Potter fans cheering for more."
— School Library Journal
". . . the book seems shorter than its page count: have readers clear their calendars if they are fans, or get out of the way if they are not."


text:
Teller Report
Now you can see non-English news...
Home News Business Sports Life Tech
Named the most popular surnames in Russia
The most common surnames in Russia since the beginning of the XXI century are Ivanov, Kuznetsov, Popov and Smirnov, said the chairman of the Archaeographic Commission of the Ural Branch of the Russian Academy of Sciences, Doctor of Historical Sciences Alexei Mosin.
Moreover, as the expert notes, the prevalence of each of these surnames may differ in different regions of the country.
"Of course, if we come to some small village, neither the Ivanovs nor the Kuznetsovs may be there. And with a large sample, for example, in a megalopolis, a persistent four of the most frequent surnames will certainly make themselves felt, "Mosin told Rossiyskaya Gazeta.
For example, according to him, the surname Kuznetsov is leading in Yekaterinburg, but at the same time, the surname Smirnov is most often found in Russia as a whole.
He also notes that the prevalence of surnames is influenced by other factors, among which are migration and historical processes: if we analyze the 1000 most frequent surnames in Russia, then the list can also contain surnames of Central Asian (Tajik, Kyrgyz or Uzbek) origin.
In April, RT, based on data from regional registry offices, found out that the most popular male name in the country was Artyom, and the female one was Sofia.
Source: russiart
All news articles on 2019-08-10
Named the most popular age at the birth of the first child in Russia in 2018 1 year
Named the most popular professions in Russia 1 year
Life/Entertain 2020-05-13T03:09:36.279Z
The children of Papi sauce were scolded with their father's surname.
News/Politics 2021-01-16T04:18:37.053Z
The Russians talked about the choice of destinations for different types of recreation in Russia
The Russians told in which country they would like to celebrate the New Year
The Russians told why they preferred travel to Russia
Russians named the best cities in the country for travel in autumn
The most popular jobs among Russians in 2020 are named
Google will validate images
Russians named their main wishes for the New Year
The most popular air and railway destinations in Russia in October are named
Trends 24h
No, a marching band did not play "Hit the road Jack" to Trump for his departure
Biden chooses transgender pediatrician as deputy health minister
Surprising turn: Joe Biden was sworn in early - no reason given
A strong explosion in Madrid destroys a building in the Puerta de Toledo area
Arrived in Florida, where President Trump's mansion is located, did not attend the inauguration
Joe Biden Investiture, Live | Donald Trump, about to leave the White House for the last time
LIVE - United States: follow Joe Biden's swearing-in and Donald Trump's departure
Photos: Trumps landed in Florida - a group of supporters in front
USA Liveticker: Pence does not take part in Trump's farewell at Andrews military airport
On the last day, Trump declassified the investigative documents on the Russian intervention, after they were revised
Macron congratulates Biden on taking office as President of the United States
Joe Biden calls for rejecting fake news
How does a father win his daughter's heart? Here are 13 effective educational methods
Notification of prevention of corona infection spread before Chinese New Year PCR test before returning home
Amendments such as the Corona Special Measures Law will be coordinated between the ruling and opposition parties next week with penalties
News/Politics 2021/01/20
© Communities 2019 - Privacy


text:
Dayton Daily News
Dayton Daily News Homepage
Anna BROWER
Barnes Funeral Homes, Inc. - Eaton
Eaton, OH
BROWER (Brubaker), Anna Mary
Anna Mary (Brubaker) Brower, age 92 of Eaton, Ohio, died Monday, November 22, 2021, at Vancrest Nursing Center in Eaton. Born on May 2, 1929, in Gasper Township, Preble County, Ohio, she was the daughter of the late Omer and Runella (Deaton) Brubaker. Anna was a 1947 Lanier High School graduate and worked for Producers Livestock and Miller's Supermarket both in Eaton. Anna was a devoted member of Eaton Church of the Brethren in Eaton.
In addition to her parents, she was preceded in death by her husband of 63 years, Ralph Emerson Brower in 2012; brother, Harold Brubaker in 1998; sisters, Ruth Bowman in 2019 and Leah Metzger in 2011.
Anna is survived by her children and their spouses, Doyle and Barb Brower, Anita Brower, Denton and Judy Brower, and Areda and Keith Rieder; grandchildren and spouses, Deanna (Eric) Hicks, Danielle (Ryan) Pieratt, Jaret (Kyle) Brower, Kira (Ivel) Whiteman and Amy Rieder; great-grandchildren, Meredith and Bryce Pieratt, Logan and Ethan Brower and Everleigh Whiteman; numerous nieces and nephews.
Funeral Service will be held at 11:00 a.m., on Saturday, November 27, 2021, at Eaton Community Church, 813 Camden Rd., Eaton, Ohio with Dr. Dan Denlinger officiating. Interment will be held in Preble Memory Gardens, near West Alexandria, Ohio. The family will receive friends on Friday, November 26, 2021, from 3:00 to 6:00 p.m. and Saturday from 10:00 to 11:00 a.m. at the church.
In lieu of flowers, the family requests that donation please be made to the Southern Ohio/Kentucky District Church of the Brethren (for Disaster Ministries) P.O. Box 185, Greenville, Ohio 45331.
Arrangements Entrusted to Barnes Funeral Home, Eaton, Ohio.
Condolences may be sent to the family via the website at
www.barnesfuneralhome.com
Published by Dayton Daily News on Nov. 24, 2021.
Sponsored by Barnes Funeral Homes, Inc. - Eaton Eaton Chapel.
How do you know Anna BROWER? (Optional)


Someone asked me the other day what was my favourite hobby, to which I automatically answered "sleeping".
While I do in fact love sleeping, I am actually quite bad at it and never seem to do enough for it to properly be classified as a genuine hobby. "Sleeping" is my de facto answer for many questions ("What did you do last summer? What do you want to be when you grow up? Do you know the way to San Jose?), it doesn't always make sense as a reply but it saves me having to think up something on the spot, for in truth I have never given much thought to questions of superlatives (What's your favourite book/film/colour/quest?) and to suddenly be put on the spot and have to think of something that won't cause the questioner to recoil in disgust and/or horror leads to one of those awkward pauses in the conversation where the other participants start to look concerned that you may have had a stroke.
Responding immediately with "sleeping" normally gives me enough breathing space to either come up with a more acceptable answer, or to run.
Anyway, lately I have been taking great joy in the simple act of heading out for a walk while listening to music. Headphones are terribly antisocial, and I think that is why I like them so much, but they are also a magic shield. A lone man walking down a street is often seen as an object of suspicion - who is he, why is he here, why does he have that crazed look in his eyes? However by simply wearing a pair of headphones, you are transformed into someone that has removed themselves from the street, by isolating yourself from the environment around you are somehow less menacing, you are suddenly just passing through and no longer loitering with intent. It's as if to be a part of the urban geography is now a suspicious act, that you are paying to much attention by not wrapping yourself in distracted separation, and thus you must be up to no good. Thus to truly be respectful of your fellow citizens, you must visibly separate yourself from them for their own comfort.
Antisocial is the new social.
So, as I love a good walk in the evening, I thus cloak myself beneath my headphones and set off to think great thoughts and enjoy a simple few stolen moments away from the draining demands of life, work and my fellow human beings. These moments are also, somewhat sadly, almost the only times I get to listen to music, what once once a far more central part of my life.
This week I have mostly been listening to Triptych, by WASH. A few years ago there was an unexpected exodus of friends to Cambodia. While emigration is nothing new to any social group in Ireland, the usual ports of call for mendicant potato-eaters are the UK, US and Australia, all places where our inability to master our own language let alone someone else's is generally not a problem. So believe me when I say that Cambodia is not a usual destination for us, and yet more of my friends now live in Phnom Penh than do in our traditional Ritzy-Sixy homeland of Rathmines and Ranelagh.
WASH is a a collaboration between two of those friends, Warren Daly, founder of net label Invisible Agent, and Alex Leonard, more familiar to readers of this blog under his Ebauche moniker, with Hal FX rounding off the trio. Triptych is a 90-minute travelogue of electronica and spoken word, a journey in three lush movements that explore Phnom Penh itself, an uptempo frenetic trip across Europe and a final meditative reflection that blends together the travellers' mental fusion of the familiar and exotic, the home and the new, the sense that being elsewhere makes you greater than the simple sum of where you are and where you have been. Deep rolling electronic soundscapes overlayed with field recordings and the narrated thoughts of Scott Bywater do a pretty damn good job of transporting you away to somewhere that you've never been, yet seems achingly familiar at the same time.
Triptych is available now on Bandcamp and elsewhere, you can find out more about it over at Invisible Agent. There is also a stunning-looking limited edition physical version available, with a booklet that includes the text of Bywater's narrative and some gorgeous looking artwork by Chhan Dina and Adrianna Snochowska. If you don't feel like walking then just sit back, turn the lights off and the music on and drift away.
It really is altogether rather nice.
Dave, thanks for your kind words. We're delighted you're enjoying Triptych.
We have recorded our 2nd album and it should be ready sometime in 2014.


This trend in housing will help your clients more easily afford a home – and gain you larger commissions.
Multi-generational homes are the way of the future, according to one architecture expert, and they provide a more affordable option for homebuyers.
The trend in multi-generational homes, much like the trend in condos, was borne from an increased desire to densify in big cities.
However, trying to raise families in smaller apartments is more difficult – for obvious reasons – according to Dreessen. Which is pushing many buyers to consider multi-generational homes.
And while multi-generational homes may cost buyers more in the short-term, they do allow buyers to take on more home, with the help of their parents.


Get The Best Ideas of Home Interior Design about portable sewing table%0a portable sewing table%0a There are a lot of inspiration about home interior and house decorating ideas out there. But we try to give you some of our best photos gallery collection regarding portable sewing table%0a that we get from various source. Hope you enjoy!


text:
California Trout
Predicted Effects of Climate Change on Inland Fishes of California
Freshwater fishes are highly vulnerable to human-caused climate change, resulting in rapid changes in status. Because quantitative data on status and trends are unavailable for most fish species, a rapid assessment approach that incorporates expert knowledge is needed to assess current status and future vulnerability. In this study, we present a method that allows systematic evaluation of potential climate change effects on freshwater fishes, using California as an example. The method uses expert knowledge of the authors, supported by literature reviews of status and biology of the fishes, to score ten metrics for both (1) current status of each species (baseline vulnerability to extinction) and (2) likely future...
Categories: Data; Tags: Completed, LCC Network Science Catalog, data.gov California LCC, environment, geographicDataset
Potential Factors Affecting Survival Differ by Run-Timing and Location: Linear Mixed-Effects Models of Pacific Salmonids (Oncorhynchus spp.) in the Klamath River, California
Understanding factors influencing survival of Pacific salmonids (Oncorhynchus spp.) is essential to species conservation, because drivers of mortality can vary over multiple spatial and temporal scales. Although recent studies have evaluated the effects of climate, habitat quality, or resource management (e.g., hatchery operations) on salmonid recruitment and survival, a failure to look at multiple factors simultaneously leaves open questions about the relative importance of different factors. We analyzed the relationship between ten factors and survival (1980–2007) of four populations of salmonids with distinct life histories from two adjacent watersheds (Salmon and Scott rivers) in the Klamath River basin, California....
Categories: Data, Publication; Types: Citation; Tags: Completed, LCC Network Science Catalog, Publication, environment
California Native Fish Distribution Maps
Distribution (present and historical) maps for all 133 native freshwater fish species in California. Maps include observation made during field surveys by various state and federal agencies. The data are compiled from multiple sources and experts and is stored and exported as rangemaps and summary maps. Sources include databases from CA Fish and Wildlife, NatureServe, CalTrout, and FERC relicensing.The data includes polygons describing these range types:Extant Range - Expert OpinionObservedHistoric Range - Expert OpinionTranslocated - Expert OpinionTranslocated - ObservedData is available as KMZ and SHP formats. To access spatial data for a species, search for it by name, click the "Spatial Data" tab, and then click...
Maps of fish biodiversity and imperilment in California
Maps have been generated to detail the current and historical biodiversity (no. of species per HUC 12) and imperilment (no. of species existing/no. of species historically * 100 per HUC12) for the entire state. Data is being combined with data for invertebrates and a larger set of maps will be published in 2015-16.
Categories: Data; Tags: Completed, LCC Network Science Catalog, environment, map
Dam removal and anadromous salmonid (Oncorhynchus spp.) conservation in California
Dam removal is often proposed for restoration of anadromous salmonid populations, which are in serious decline in California. However, the benefits of dam removal vary due to differences in affected populations and potential for environmental impacts. Here, we develop an assessment method to examine the relationship between dam removal and salmonid conservation, focusing on dams that act as complete migration barriers. Specifically, we (1) review the effects of dams on anadromous salmonids, (2) describe factors specific to dam removal in California, (3) propose a method to evaluate dam removal effects on salmonids, (4) apply this method to evaluate 24 dams, and (5) discuss potential effects of removing four dams...
ScienceBase brings together the best information it can find about USGS researchers and offices to show connections to publications, projects, and data. We are still working to improve this process and information is by no means complete. If you don't see everything you know is associated with you, a colleague, or your office, please be patient while we work to connect the dots. Feel free to contact sciencebase@usgs.gov.


Visual Basic, Saving Waveform audio using the WavIn API commands ?
Saving Waveform audio using the WavIn API commands ?
Briefly the calls you need.
Netpoint Computers - COM Components.
7. ?waveInProc help (waveform API)?
8. Activating Menu Commands Using API?
10. Problem using API-command with VB 3.0 Prof.
12. CDROM AUDIO COMMANDS READ THIS !!!


text:
ActionCasualCollectiblesDLCEducationalFightingHardwareMonitorMovies & TVMusic & PartyProductivityPuzzle & CardsRole-PlayingShooterSimulationSportsStrategy
Rise of Venice by Kalypso Media
BUY DOWNLOAD
Available for download. More info.
Download orders are not eligible for returns or credits
Downloads to U.S. addresses only
Publisher: Kalypso Media
Developer: Gaming Minds Studios
Download Size:2.48MB
Venice was at the peak of its power during the Renaissance and was viewed as a city of decadence, beauty and intrigue. Renowned as the linchpin of civilization and the cultural centre of Europe, Venice was the most important trading post between Western Europe and the eastern stretch of the Mediterranean Sea. It was also the stage for political corruptions and clandestine dealings.
This is where your story begins. As a young man striving for success, power and wealth and with the support of your family, you begin to build up a trading empire across Genua, Tripoli, Rome, Alexandria and Constantinople in addition to many other significant cities from the Renaissance. As you progress through the ranks of Venetian society, increasing your power with smart trading moves and calling in the occasional favour you can begin to assemble your own fleet. With this you will start to build up new production facilities, test yourself in challenging sea battles where you will face off against pirates as well as political enemies to finally become the Doge of Venice.
Experience a compelling story full of intrigue and treason in Venice at the time of the Renaissance
Trade a variety of goods in the most important cities of the time such as Rome, Alexandria, Constantinople or Athens.
With your own family tree you can interact with your family members, send them on missions and watch how the power of your family grows over time.
Meet other important families who are pulling the strings in Venice's government and influence political decisions yourself.
Build your own production facilities and trading fleets
Take fate into your own hands and test your skills in furious sea battles
Multiplayer mode for up to 4 players via LAN and Internet
Minimum Requirements TBD
Requires the Steam client to install and play
IMPORTANT NOTICE: This game requires the Steam client to install & play.