CAMDEN, Maine, Jan. 27, 2015 /PRNewswire/ -- Camden National Corporation ; ("Camden National" or the "Company"), a $2.8 billion bank holding company headquartered in Camden, Maine, reported net income for the fourth quarter of 2014 of $6.1 million and diluted earnings per share ("EPS") of $0.82, representing a 38% increase in earnings and a 41% increase in EPS compared to the fourth quarter of 2013.
Net income for the year ended December 31, 2014 of $24.6 million and EPS of $3.28, represents an 8% increase in earnings and a 10% increase in EPS compared to the year ended 2013. Camden National's return on equity and return on assets for the year ended December 31, 2014 was 10.37% and 0.92%, respectively.
"The past few years we have focused on several strategic initiatives to reshape our organization for the future to meet the needs of our customers and shareholders," said Gregory A. Dufour, president and chief executive officer. "We've successfully executed large scale investments -- including the acquisition of 14 branches in 2012, the divestiture of five branches in 2013, and the opening of a commercial loan production office in Manchester, New Hampshire in 2014 -- while providing consistent earnings and EPS growth to our shareholders," added Dufour. "Loan growth of 12% in 2014 demonstrates our commitment to growing market share through expansion and hiring seasoned lenders."
compared to adjusted(1) EPS for the same period of 2013.
million capped-off strong loan growth for 2014 of 12%.
Total assets increased $186.0 million, or 7%, over last year to $2.8 billion at December 31, 2014. Loan growth of $192.2 million fueled the increase, led by the commercial real estate and commercial portfolios. The commercial real estate and commercial portfolios increased $99.6 million and $78.3 million, respectively, in 2014, while the retail portfolio saw more modest growth of $14.3 million over the same period.
The Company's loan growth is, in part, the return on our investment made in 2012 - acquiring 14 branches and approximately $300 million of deposits - providing us a larger presence in Maine's prominent markets. That investment was complemented by the hiring of several seasoned commercial and retail lenders, the opening of a loan production office in Manchester, New Hampshire, and deepening our credit underwriting and administration talent.
Total liabilities at December 31, 2014 were $2.5 billion, representing a $172.0 million, or 7%, increase from December 31, 2013. Core deposits (demand, interest checking, savings, and money market) increased $25.8 million, while brokered deposits and borrowings increased $118.4 million and $46.9 million, respectively, to support our loan growth.
(1 )"Adjusted" excludes (i) the operating results for the five Franklin County branches divested in the fourth quarter of 2013, including the gain recognized on the branch divestiture, (ii) the goodwill impairment recorded in the fourth quarter of 2013, and (iii) the branch acquisition and divestiture costs incurred in 2013. Please refer to "Reconciliation of non-GAAP to GAAP Financial Measures".
Net income and EPS for the fourth quarter of 2014 of $6.1 million and $0.82 per share increased $553,000, or 10%, and $0.09 per share, or 12%, respectively, compared to the adjusted net income and adjusted EPS for the same period of 2013.
Net interest income for the fourth quarter of 2014 was $19.3 million, representing a $949,000, or 5%, increase compared to adjusted net interest income for the same period last year. The increase was driven by average loan growth (excluding the five Franklin County branches) of $171.8 million, or 11%, and was partially offset by a 3 basis point decrease in net interest margin on a fully-taxable basis to 3.06%.
Non-interest income for the fourth quarter of 2014 was $6.2 million, representing a $331,000, or 6%, increase compared to adjusted non-interest income for the same period last year. The increase was primarily attributable to $284,000 of income recognized in the fourth quarter of 2014 on loan interest rate swap transactions that enable our commercial customers to lock into a long-term fixed rate while providing us with the flexibility of a variable rate to manage our interest rate exposure.
Non-interest expense for the fourth quarter of 2014 was $16.3 million, representing a $286,000, or 2%, increase compared to adjusted non-interest expense for the same period last year, primarily driven by increases in customer-facing and internal technology infrastructure of $205,000, personnel costs of $166,000, and marketing costs of $132,000, partially offset by lower foreclosure and collection costs of $183,000 as asset quality improved throughout 2014.
Net income and EPS for the year ended December 31, 2014 of $24.6 million and $3.28 per share increased $994,000, or 4%, and $0.21 per share, or 7%, respectively, compared to the adjusted net income and adjusted EPS for the year ended December 31, 2013.
Net interest income for the year ended December 31, 2014 of $76.3 million increased $2.1 million, or 3%, compared to adjusted net interest income for the year ended December 31, 2013. The increase is driven by average loan growth (excluding the five Franklin County branches) of $136.4 million, or 9%, and is partially offset by a 9 basis points decrease in net interest margin on a fully-taxable basis to 3.11%.
Non-interest income for the year ended December 31, 2014 of $24.3 million decreased $166,000, or 1%, compared to adjusted non-interest income for the year ended December 31, 2013. The decrease was driven by: (i) a $1.1 million decrease in mortgage banking income due to minimal loan sales in 2014; and (ii) $334,000 less investment gains; partially offset by an increase in: (a) loan interest rate swap income of $480,000; (b) fiduciary income of $238,000; and (c) an increase in service charges and other fees on deposit accounts of $174,000 (excluding the five Franklin County branches).
Non-interest expense for the year ended December 31, 2014 of $62.4 million increased $331,000 compared to adjusted non-interest expense for the year ended December 31, 2013, primarily driven by increases in personnel costs of $574,000, and customer-facing and internal technology infrastructure of $407,000, partially offset by a receivable write-down of $348,000 that occurred in 2013, and lower net occupancy costs of $221,000.
-- Non-performing loans to total loans decreased 61 basis points to 1.19%.
While asset quality improved compared to a year ago, the provision for credit losses for the year ended December 31, 2014 increased $192,000, or 9%, compared to the same period last year primarily due to loan growth of 12%. The steady improvement in the Company's asset quality metrics reflects the modest improvement in Maine's economy throughout 2014 and continued resolution of foreclosure properties.
The Company's board of directors approved an 11% dividend increase in the fourth quarter of 2014. A dividend of $0.30 per share, payable on January 30, 2015, will be issued to shareholders of record as of January 16, 2015. This distribution represents an annualized dividend yield of 3.01%, based on the December 31, 2014 closing price of Camden National's common stock at $39.84 per share as reported on NASDAQ.
The Company's total risk-based capital ratio, Tier I risk-based capital ratio, and Tier I leverage capital ratio was 15.16%, 13.97%, and 9.26%, respectively, at December 31, 2014. The Company and its wholly-owned subsidiary, Camden National Bank, exceeded the minimum total and Tier I risk-based capital ratios of 10% and 6%, respectively, and the minimum Tier I leverage capital ratio of 5% required by the Federal Reserve for an institution to be considered "well capitalized".
Camden National Corporation has scheduled its annual meeting of shareholders for Tuesday, April 28, 2015, at 3:00 p.m. local time, at Point Lookout Resort and Conference Center, 67 Atlantic Highway, Lincolnville, Maine 04849. The date for determining the Company's shareholders of record for the annual meeting is March 2, 2015.
Camden National Corporation is the holding company employing more than 480 Maine residents for two financial services companies including Camden National Bank and the wealth management company, Acadia Trust, N.A. Camden National Bank is a full-service community bank with a network of 44 banking offices throughout Maine and a commercial loan office in Manchester, New Hampshire. Acadia Trust offers investment management and fiduciary services with offices in Portland, Bangor and Ellsworth. Located at Camden National Bank, Camden Financial Consultants offers full-service brokerage and insurance services. Learn more at www.CamdenNational.com. Member FDIC.
This press release and the documents incorporated by reference herein contain certain statements that may be considered forward-looking statements under the Private Securities Litigation Reform Act of 1995, including certain plans, expectations, goals, projections, and statements, which are subject to numerous risks, assumptions, and uncertainties. Forward-looking statements can be identified by the use of the words "believe," "expect," "anticipate," "intend," "estimate," "assume," "plan," "target," or "goal," or future or conditional verbs such as "will," "may," "might," "should," "would," "could" and other expressions which predict or indicate future events or trends and which do not relate to historical matters. Forward-looking statements should not be relied on, because they involve known and unknown risks, uncertainties and other factors, some of which are beyond the control of Camden National. These risks, uncertainties and other factors may cause the actual results, performance or achievements of Camden National to be materially different from the anticipated future results, performance or achievements expressed or implied by the forward-looking statements.
Some of the factors that might cause these differences include, but are not limited to, the following: weakness in the United States economy in general and the regional and local economies within the New England region and Maine, which could result in a deterioration of credit quality, an increase in the allowance for loan losses, or a reduced demand for the Company's credit or fee-based products and services; changes in trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System; inflation, interest rate, market and monetary fluctuations; competitive pressures, including continued industry consolidation and the increased financial services provided by non-banks; volatility in the securities markets that could adversely affect the value or credit quality of the Company's assets, impairment of goodwill, the availability and terms of funding necessary to meet the Company's liquidity needs, and could lead to impairment in the value of securities in the Company's investment portfolio; changes in information technology that require increased capital spending; changes in consumer spending and savings habits; changes in tax, banking, securities and insurance laws and regulations including laws and regulations; and changes in accounting policies, practices and standards, as may be adopted by the regulatory agencies as well as Financial Accounting Standards Board, and other accounting standard setters. Additional factors that could also cause results to differ materially from those described above can be found in the Company's Annual Report on Form 10-K, as updated by our Quarterly Reports on Form 10-Q and other filings with the SEC. All of these factors should be carefully reviewed, and readers should not place undue reliance on these forward-looking statements.
These forward-looking statements were based on information, plans and estimates at the date of this press release, and Camden National does not promise and assumes no obligation to update any forward-looking statements to reflect changes in underlying assumptions or factors, new information, future events or other changes.
In addition to evaluating the Company's results of operations in accordance with generally accepted accounting principles in the United States ("GAAP"), management supplements this evaluation with certain non-GAAP financial measures, such as the efficiency ratio, tangible equity to tangible assets ratio, return on average tangible equity ratio, tangible book value per share, tax-equivalent net interest income, and normalized operating results. Management believes these non-GAAP financial measures help investors in understanding the Company's operating performance and trends and allow for better performance comparisons to other banks. In addition, these non-GAAP financial measures remove the impact of unusual items that may obscure trends in the Company's underlying performance. These disclosures should not be viewed as a substitute for GAAP financial measures, nor are they necessarily comparable to non-GAAP financial measures that may be presented by other financial institutions. Reconciliations to the comparable GAAP financial measure can be found within this document.
(1) Please see "Reconciliation of non-GAAP to GAAP Financial Measures".
(1) Reported on tax-equivalent basis calculated using a tax rate of 35.0%, including certain commercial loans.
(2) Non-accrual loans and loans held for sale are included in total average loans.
Tax Equivalent Net Interest Income. The following table provides a reconciliation between tax-equivalent net interest income to GAAP net interest income using a 35.0% tax rate.
Normalized Operating Results, as adjusted. The following tables provide a reconciliation of GAAP operating results (as reported) for the three months and year ended December 31, 2013 to normalized operating results, adjusted for non-recurring events in 2013. The Company utilizes such analysis when comparing its three months and year ended December 31, 2014 operating results to the same periods in 2013 as it believes it provides a more meaningful representation of current year performance.
The following non-recurring events were excluded from GAAP operating results for the three months and year ended December 31, 2013 in the tables below: (i) operating results from the five Franklin County divested branches; (ii) a $2.7 million gain on the divestiture of the five Franklin County branches, (iii) a $2.8 million goodwill impairment on its trust and financial services business line, and (iv) costs associated with the acquisition and divestiture of branches for the three months and year ended December 31, 2013 of $95,000 and $374,000, respectively.
(1) A 35% tax rate is assumed, with the exception of goodwill impairment as this was a non-taxable event.


Does Congress Have the Power to Make the States Amenable to Suit In Federal Court for Claims Under the Lanham Act?
Jay E. Grenig, Does Congress Have the Power to Make the States Amenable to Suit In Federal Court for Claims Under the Lanham Act?, 1998-99 Term Preview U.S. Sup. Ct. Cas. 423 (1999). © 1999 American Bar Association. This information or any portion thereof may not be copied or disseminated in any form or by any means or downloaded or stored in an electronic database or retrieval system without the express written consent of the American Bar Association.
Grenig, Jay E., "Does Congress Have the Power to Make the States Amenable to Suit In Federal Court for Claims Under the Lanham Act?" (1999). Faculty Publications. 392.


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Political Science: Media
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1999: MACE Music releases my first instrumental CD "YTK". Executive produced by world famous guitarist Michael Angelo, "YTK" received critical acclaim from the progressive metal and shred guitar press and helped me to build a worldwide fanbase. Later that year I was offered endorsements with Vanous Amplification, Brian Moore Guitars and DR Strings.
2001: I won the "Rock Guitarist" category in Ernie Ball/Music Man/Sonic Foundry's "Best Guitarist on the Web".
2002: Chops From Hell releases my first instructional CDROM, "Terror Death Licks".
2003: Chops from Hell releases "Terror Death Licks" on VHS format.
2004: My song "Black Inside" is included on Quintessence Metal Webzine's "Fret Essential #1" compilation CD. I was also offered an endorsement deal with DiMarzio.
I'm working on my second instrumental CD and second instructional CDROM. Both should be released late 2004.
Favorite guitarist: Jeff Loomis of Nevermore. Loomis can shred, but the playing is never sterile; you can tell he's feeling every note. He can also write riffs that'll split your skull. He does a good job of balancing the schooled and refined style of playing with pure attitude. I also like Dimebag Darrell for the same reasons. Other favorites: Derek Taylor, Chris Poland, Shawn Lane, Chuck Shuldiner and Dino Cazares.
Most underrated players: The most underrated player ever is Shawn Lane. It's sad that more players aren't aware of Shawn's music. True genius is never appreciated in it's own time. Chuck Shuldiner also comes to mind. Although Death has influenced bands and musicians worldwide, I don't think Chuck ever got the full respect he deserved from the guitar press.
Best musician you've ever seen: I've seen bootleg video of Shawn Lane performing and the playing was just effortless. The most complex music just poured out of him without a second thought.
Four words that best describe what you want to get across in your playing: Love, hate, anger, happiness…in a word, emotion.
Your hero: Rusty Cooley is the guy I look up to at the moment. His commitment to continue pushing the boundaries of his playing is inspiring as is the success he's having getting his name and music out there.
Aside from continuing to improve my playing, songwriting and production skills, I would like to find the right singer and put together a vocal project. "Practice What You Preach"-era Chuck Billy is the vocal style I'm after.


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The Slade Discography Website
Sources and Links
All Join Hands (1984)
All Join Hands is Slade's first single from their twelfth studio album Rogues Gallery. Released by RCA on 9 November 1984, it reached No. 15 in the UK and remained in the charts for ten weeks. The song was written by Noddy Holder and Jim Lea, and produced by John Punter.
After the band's 1984 breakthrough in America, the band decided to stop touring but continue to record new material. That year the band began recording Rogues Gallery, with "All Join Hands" being recorded at Angel Studios with producer John Punter. The song, selected as the album's lead single, was released in November 1984 to coincide with the Christmas market.
The song reached No. 15 in the UK and achieved much airplay in the UK and across Europe. In the first week of December, the song ranked at No. 10 on a UK Radio Airplay Report, which listed the top twenty most played records on BBC stations, Capital Radio, Radio London and major independents. Despite the song's success, it would be Slade's last UK Top 40 hit for seven years. In Europe, the first week of December saw the song listed as a "hot radio add" on EMR's Eurotipsheet.
"All Join Hands" is a similarly-styled anthem to the band's 1983 hit "My Oh My". In a 1984 interview with Record Mirror, Lea said: "It's another anthem. I come up with these on my way down to the chip shop. It just popped into my head while I was walking down the street. I don't have to sit down at a piano or lock myself in a cottage somewhere. I've got all the tunes in my head but Nod's my bounce, my partner. We could write over the phone by now."
"All Join Hands" was released on 7" and 12" vinyl by RCA Records in the UK, Ireland, Germany, the Netherlands, Portugal, Spain, El Salvador and Australia. The B-side, "Here's To...", would later appear on the band's 1985 studio/compilation album Crackers.
On the 12" single, an extended version of "All Join Hands" was featured as the A-side. A limited edition 12" vinyl was also released in the UK, featuring two additional tracks; "My Oh My" and "Merry Xmas Everybody (Live & Kickin')". The latter track had previously appeared as the B-side to the band's 1982 single "(And Now the Waltz) C'est La Vie".
In the UK, the band performed the song on the TV shows Top of the Pops, Razamatazz and Saturday Superstore. On one of the Top of the Pops performances, Holder sported two paper cut-out hands on sticks halfway into the performance, while both Lea and Dave Hill had paper cut-out hands stuck to their guitars. In Germany, the band performed the song on the ZDF show Thommys Pop Show.
A music video was filmed to promote the single, which was directed by Phillip Davey and shot at Ewert Studios in London. The video featured John Otway of Otway & Wild Willy Barrett Really Free fame as the pianist. The video opens with a piano concerto played to a small seated audience in a posh hall. Holder soon enters the room, much to the horror of the audience, while Lea pushes Otway off the piano and begins to play. Holder begins singing the opening verse of "All Join Hands" and soon Hill appears to play the guitar solo on top of the piano. The stage lights up and Don Powell appears on the drums. As the show has now transformed into a Slade gig, the audience are seen to be won over as they sway from side to side to the song. Eventually, they rush the stage after pulling off their evening wear, revealing Slade T-shirts.
The video received widespread play across European programmes. In December 1984, Music & Media listed the video as one being "well aired" across the continent. It received heavy play on the Sky Channel's Sky-Fi Music Show.
Upon release, Adrian Jones of Number One said: "In a month or so it'll be Christmas. So here come Slade with yet another mawkishy sentimental singalong complete with piano and guitar solo. The only problem is that they might be a teensy weeny bit too early. Never mind they can always release "Merry Xmas Everybody" again. Bah, humbug."
Pedro of Record Mirror wrote: "You can imagine Noddy Holder writing this while leaning up against the bar, thinking of where he's going to get his next pint of Special Brew from, and of all those forthcoming Xmas and New Years parties when the beer will be flowing. "I know," he thinks, "I'll write a cheery-beery Xmas singalongaSlade epic, you know the type, all the lads at the bar swaying terrace style, hands joined and pint mugs raised. Not so much the "Merry Xmas Everybody" knees-up but more the rousing chorus anthem type. That should keep me in beer money till the New Year." Recently, all the bookies drastically lowered the odds on lightning strike twice."
In January 1985, the Spanish radio show Radio Espana listed the song as its "Record of the Week".
Retrospective reviews
In a retrospective review of Crackers, Dave Thompson of AllMusic said: "...and there's no denying that "Mama Weer All Crazee Now," "My Oh My," "Run Runaway," "Cum On Feel the Noize," and "All Join Hands" will get the fists pumping the air."
In the liner notes of the 2007 Salvo remaster of Rogues Gallery, writer Chris Ingham wrote: "A communal New Year sing-a-long which cannily blended the power ballad style of "My Oh My" while hinting at the Scottish flavour of "Run Runaway", the single wasn't quite the festive smash that was hoped for."
Chart performance
European Airplay Top 50: #43
European Top 100 Singles: #55
Irish Singles Chart: #9
Swedish Singles Chart: #19
UK Singles Chart: #15
"All Join Hands" - 4:15
"Here's To..." - 3:12
"All Join Hands (Extended version)" - 6:15
12" single (UK limited edition release)
"My Oh My" - 4:12
"Merry Xmas Everybody (Live & Kickin')" - 3:28
Noddy Holder - lead vocals
Dave Hill - lead guitar, backing vocals
Jim Lea - piano, bass, synthesiser, backing vocals, producer of "Here's To...", arranger
Don Powell - drums
Additional personnel
John Punter - producer of "All Join Hands" and "My Oh My"
Slade - producers of "Merry Xmas Everybody (Live & Kickin')"
East St. - design and art
Shoot That Tiger! - logo
Tony McConnell - photography


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Updated on Jan 28, 2023 . Posted on Jan 25, 2023
Nilay Saiya
Nilay Saiya is assistant professor of public policy and global affairs at Nanyang Technological University, Singapore. His research concerns the influence of religion on global politics. He is author of the book Weapon of Peace: How Religious Liberty Combats Terrorism.


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Home The Great Big Tiny Design Challenge: Laura Jackson reveals how to find your interior style
The Great Big Tiny Design Challenge: Laura Jackson reveals how to find your interior style
George Holan · March 27, 2022 · 0 Comment
The first thing Laura Jackson wants me to know is that she didn't study interior design. "I'm not an interior designer, I'm just a very passionate interior obsessive," she laughs. We're speaking over the phone ahead of the launch of her new More4 show de ella, The Great Big Tiny Design Challenge.
Presented by ex-bake-off host Sandi Toksvig, Jackson is one of two judges on the show alongside world-record holding micro-sculptor Dr Willard Wigan MBE. The show delves into the world of miniacs – producers of miniatures – where crafters turn a derelict mini-mansion into the "ultimate fantasy house".
"When I got approached about this role, even though I've never been a judge before, I was just really excited about it, because I love interiors," Jackson says. "Even though I don't make miniatures, I find the world of miniacs really fascinating, so it really puts together a lot of my passions and areas of excitement in one show."
Jackson wears many hats. Besides being a broadcaster, she's also a podcast host, a former supper club pioneer, a magazine columnist, and a business owner. Yet, it's her Ella's interior design style that's really taken off in recent years, with Jackson's 154,000 Instagram followers lusting over the snaps she shares of her Ella's home. Jackson says it was buying her Victorian-era home in East London that truly sparked her passion for interiors.
"I've really thrown myself into all of the granular aspects of redesigning, and through doing construction to a home I've learned so much," she explains. Jackson has channeled some of this knowledge into her podcast called "So, How Do You…" where each episode looks at a different aspect of the design process, from finding a builder to using color within the home. "It's quite a niche podcast," Jackson says, "but I just enjoy every aspect of it [interior design]. It's just all been passion-led."
I enjoy every aspect of interior design. It's all been passion-led
Besides buying her home, Jackson says her passion for interiors can be traced back to when she launched her supper club with radio DJ Alice Levine. "While I wasn't the inventor of the supper club, I definitely was an early adapter in that movement in that it's not just about the food that you're eating but it's about creating an amazing experience and an amazing atmosphere, and the tablescaping goes with that," she says. "I think that's when my love of bringing joy into my home through interiors and objects really started."
Even before buying her home, Jackson said she would buy second-hand furniture from flea markets, upholster various pieces of furniture, and trawl eBay for bits and pieces. "I always set alerts for things that I want to find," Jackson says of finding eBay gems. "You know something will pop into your head, like a Howard armchair or something as particular as that, and when you go and look online for it, it's not there. So what you need to do is go and set up an alert."
Yet, when it comes to second hand shopping the presenter says she prefers to do it in person. "My friend just moved to St Leonards and there are some beautiful second hand furniture shops down there and as much as I love buying vintage pieces online, I think for bigger pieces like armchairs and sofas, I like to have some sort of tactile experience before making the purchase."
The cast of The Great Big Tiny Design Challenge
(Channel4)
Jackson describes her own interior style as being "all over the place". "I'm very much drawn to things that bring me joy and make me happy, and that doesn't really fit into any particular trend or theme," she explains. "I do live in a Victorian house, so I'm not going to go too crazy on trends that don't fit into what I've got now, but if it's something I really like then I'm not going to think to myself, 'oh this doesn't go with everything so I'm not going to have it'. If I love it, who cares?
One of the biggest interior trends she's seen through Glassette, her interiors website, is checkerboard everything. While it's considered "cool" right now, Jackson thinks the trend also has longevity. "It isn't too outrageous, it's not fluorescent pink and fluffy, it can stand the test of time if you're buying colors which are a bit more subdued. I don't see this trend going anywhere."
On the flipside, spotlights are a trend Jackson hopes to see the back of as soon as possible. She explains: "It's just a stark overhead lighting option that just kind of feels like you're at a dentist, it's so bright." Instead, she prefers moodier lighting offered by lamps and wall lights. "I think the different layers of lighting work nicely as well, a floor lamp, a table lamp, a wall light, you're kind of creating a bit of texture in there as well."
Interior design is about what emotion you want your home to be for you
When it comes to finding your own interior style, Jackson says you should buy things that bring you joy and consider the feeling you want to create in your home. For example, if you want to create a happy space then she suggests pops of yellow or mustard. Or, for a more serene feeling, opt for warm whites and fewer bright patterns. "It's about thinking how you want to live your life and what you want your home to be like and what emotion you want your home to be for you and lead by that."
Jackson says she doesn't tend to seek out furniture that will fill a specific space in her home, rather she likes to have "free moving" pieces that can go from one room to another. And while she says she doesn't buy a lot, everything she does buy has an "emotional connection". She speaks of two armchairs that she bought from eBay on a day she found out her friend de ella had died. "Even though sometimes I think they don't go in the house or whatever, I can't get rid of them because they remind me of so many different things that I think I'll have them for all time. They were literally like £80 each, but they mean everything to me. It's very much symbolic of that time in my life."
A white souffle sofa is at the top of Jackson's wish-list, but with two young children she says that's "never going to happen". "I think it's just adapting your way of living," she says of juggling your interior style with creating a child-friendly home. "There was a point in time where I thought I was only going to buy my kids wooden toys but they just love stuff. People see pictures of your house and they think it looks like a showroom all the time but it absolutely doesn't and nor do I want it to. I like the kids' stuff around, it reminds me that we share everything and I think that's really important. They're part of who I am and they're part of our life."
One thing Jackson gleaned from judging the miniacs on The Great Big Tiny Design Challenge was about interior design through the ages. From Regency era rooms to Art Deco, she says she learned more about the technicalities of interior design and the nuances that went with each theme. "So much energy and so much passion and so much love went into making it and I definitely think that people can feel that. I'm hoping that comes across when people watch it."


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And we also manufacture and assemble special requests. Customer satisfaction is our top priority.


text:
Q: Рекурсивная функция вычисления корня уравнения Написать рекурсивную функцию вычисления корня уравнения f(x) = 0 на заданном интервале [a, b] и с точностью e.
Функция f задается в исходном коде программы (проверяющим), числа a, b и е задаются в консоле. В качестве функции f(x) может быть, например, выражение х + 5*(х-3).
Не пойму даже с чего начать, к чему ограничение интервалом?
Я примерно понимаю, как вычислить корень из числа, но из функции даже примерного понятия не имею. Я не прошу писать код, просто буду рад любой наводке.

A: Есть такое как метод хорд, касательных, половинного деления. Рекомендую посмотреть сначала последний, так как он на мой взгляд самый понятный.

redpajama_set_name: RedPajamaStackExchange


text:
Sources of information about the health effects and environmental effects of dioxin.
Dioxins and their Effects on Human Health
Summary and Biography of Dioxin Toxicity
Center for Ethics and Toxins
Environmental Toxics and Lumber Mill Sites
Ecological Rights Foundation
What is dioxin and where does it come from?
Dioxins are a family of chemicals that are some of the most toxic substances known. Dioxin forms as a by-product during the heating of mixtures of chlorine and organic compounds in industrial processes, such as the bleaching of paper pulp or the manufacturing of vinyl plastics (PVC). Unfortunately, dioxin is extremely toxic and very slow to break down, resulting in a very dangerous, although unintended, consequence of modern industry.
Why is dioxin a problem in Humboldt Bay?
Until the 1980s, many Humboldt County lumber mills used a chemical called pentachlorophenol, or "penta," as a wood preservative. The production of penta creates dioxin, leaving the wood preservative laden with dioxin. Lumber mills using penta employed large dip tanks and spray booths to apply penta - and dioxin - not only to lumber but also to the coastal environment.
Although the EPA banned the use of penta in 1984, spills, leaks, and even deliberate dumping had already polluted soils and groundwater at many sites. Since dioxin takes generations to break down, contamination remains at former industrial sites and continues to impact the Bay through runoff, erosion, and underground water exchange.
What does dioxin do to people and the environment?
Dioxin has a wide range of negative impacts for people and other species. Cancer, birth defects, and neurological problems can result from very low levels of exposure. Additionally, parents can pass on toxic impacts to their children, resulting in significant nervous system problems and developmental disorders. Dioxin has also been linked to learning disabilities, immune system disorders, diabetes, lung problems, and skin disorders.
The EPA considers there to be no safe level of dioxin exposure - the average U.S. resident is already over-exposed and further contact with this chemical is to be avoided when possible.
Beyond humans, research has demonstrated that fish, marine mammals, and birds are highly sensitive to dioxin. The effects on these critters are principally reproductive and developmental but may also include problems with metabolism and immune system function. Bird eggs have been shown to suffer from increased mortality at dioxin levels as low as two parts per trillion (2ppt). Coho salmon have been found to be particularly sensitive to dioxin; juveniles can spend up to 2 years in Humboldt Bay before heading out to sea.
What does it mean for Humboldt Bay to be "listed" for dioxin?
The Environmental Protection Agency monitors U.S. waters for contamination in order to protect our health and environment. In California, the State Water Resources Control Board does the preliminary analysis for the EPA and recommends a list of "impaired" water bodies every two years. This process is required by section 303(d) of the Clean Water Act and the list is often called the 303(d) list.
Once a waterbody is listed as impaired by a particular pollutant, the agencies are required to further research the problem and eventually set standards for preventing further pollution. The listing itself, however, does not impose any additional regulations or restrictions on local businesses or municipalities. It affirms the need for clean-up, enabling local agencies to seek funding for site remediation and restoration that would otherwise be unavailable.


Perfect for decorating in your planner of choice, or anywhere else your heart desires!!
Perfect for marking your favourite teas in your planner of choice, or anywhere else your heart desires!!
Pick between two variations! Green dinosaur with blue heart OR blue dinosaur with pink heart!