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Environmental Insurance for Lenders: What is It, and Can It Substitute for Due Diligence?

- By:

Courtesy of Environmental Insurance Agency, Inc.

 This article addresses two aspects of the new environmental insurance policies for lenders (usually referred to as Secured Creditor, or SC, policies): that of the sometimes significant differences among the policies now on the market, and the controversial due diligence issue - whether the policies can be a 'substitute' for environmental due diligence or a Phase I. The four major environmental carriers offer five off-the-shelf forms to protect the lender from his or her environmental liability. Each of these forms have a coverage part or insuring agreement applicable to the lender's primary concern, liability arising out of the borrower's inability to repay a loan due to a pollution condition; this is generally called the 'collateral loss value' coverage part. The other coverage parts or insuring agreements of the policies address the lender's direct liability for cleanup costs, bodily injury, or property damage, which is of lesser concern to the lender, particularly before foreclosure.

The collateral loss value coverage parts of the five policies differ significantly from each other in their treatment of trigger of coverage and method of payment. The direct liability coverage parts differ somewhat less from each other. The four carriers have very different approaches to what they will do when there is a desire for combined coverage, i.e., coverage for the borrower as well as the bank. The premiums for such combined coverage and for separate SC policies can vary widely, although SC policy premiums in general are significantly lower than pollution liability policy premiums for the owner or borrower with respect to the same property.

Lenders can purchase two types of portfolio programs - a blanket policy applicable to a portfolio of loans, and portfolio insurance that can be used for securitization purposes. It is these portfolio programs that have been marketed as a substitute for due diligence. Environmental insurance can never be a true 'substitute' for due diligence. The two provide an entirely different form of protection and are natural complements of, not substitutes for, one another. However, it may be possible for banks to use SC portfolio coverage as an alternative to the banks' due diligence programs with regard to the bank's liability for collateral loss value. The rating agencies have recently concluded that this can be done for conduit or small loans if certain of their concerns are mitigated: continued reliance on due diligence in certain contexts; the company's Best's rating; its claims-paying record; and, most crucially, the policy form. While all of the policies contain provisions that the rating agencies criticize, the carriers are generally flexible about tailoring policy language to the requirements of a particular deal, provided someone competent represents the lender in negotiating those changes.

The two preceding issues of this journal have offered two excellent articles that address important aspects of lender liability environmental insurance. In the Autumn 1999 issue, Michelle Schroeder of Zurich thoroughly analysed the lender's environmental legal liability as well as coverage for that liability afforded by the new lender policies. In the Spring 2000 issue, Janet Moylan and Richard L. Calvert of AIG broadly illuminated the creative business uses of environmental insurance, with particular emphasis on the use of lender insurance for securitization of a loan pool. This article will address two important aspects of the insurance that the earlier articles only touched upon. First is the issue of how the policies provided by the four major environmental carriers compare with each other. The Schroeder and Moylan/Calvert articles naturally tended to focus on the Zurich and AIG policies and programs, respectively, yet there are significant differences among the policies of the four carriers. (For one thing, they all have different names; this article will use 'Secured Creditor' ('SC') policy for all such forms.) The second issue is more controversial. AIG and Zurich have marketed their portfolio programs as a less expensive alternative to a bank's customary environmental due diligence program. [footnote 1], and the environmental engineering community has taken a dim view of this position. [footnote 2] This article will attempt to clarify the differences between all of the SC policies now on the market, and to resolve the thorny due diligence dispute.

The first environmental policy for lenders appeared at the end of the 80's as an outgrowth of the original environmental impairment liability ('EIL') or pollution liability ('PL') policies as they are now known. During the '80s and early '90s, the EIL or PL policy covered on-site pollution conditions that arose at specified sites and gave rise to off-site or third party cleanup costs, as well as third-party bodily injury and property damage. As is often true of any new and emerging coverage, these policies were markedly restrictive and expensive. For example, they only covered off-site conditions, and they were only sold to owners of the sites.

At the end of the 80's, some cases, and one in particular, generated concern that lenders needed protection for their environmental liability. (United States v. Fleet Factors Corp., 901 F. 2nd 1550 (11th Cir. 1990). The cases and the concern led to creation of the original lender liability or first party property transfer policies. These policies protected buyers, sellers, and lenders of potentially contaminated real estate, and their concept was a good one - to use a site assessment as a guaranty or warranty that no environmental conditions existed on the property, somewhat in the manner of title insurance. They did not sell, however, but they are the forerunners of today's SC policies and, to some extent, of today's new and improved PL policies.

The first of the newer SC policies appeared three or four years ago at the same time as the other new environmental policies, largely in response to the brownfields movement. The new SC policies were at first primarily designed for portfolios of loans and were marketed as a much less expensive alternative to a lender's environmental due diligence program. The last two years have seen several articles by environmental engineers criticizing banks for requiring their borrowers to buy these policies, which, after all, only protect the lenders, not the borrowers, instead of doing the necessary due diligence.[footnote 3] Recently, however, both Fitch and Moody's have given approval to the use of environmental insurance for lenders as a means of securitization of loan pools, without traditional due diligence, in certain circumstances and if certain concerns were met. [footnote 4]

Secured Creditor Policies and Coverages

The four major environmental carriers all have a separate, stand-alone SC policy for lenders and banks, and one of them - AIG - has two. Each of these policies has a different name. AIG's two SC policies are 'The Secured Creditor Impaired Property Policy - Loan Balance', and 'The Secured Creditor Impaired Property Policy - Lesser of Loan Balance or Cleanup Costs'. Zurich's is the 'The Lender Environmental Collateral Protection and Liability Insurance'. Kemper's policy is called 'Creditor Reimbursement for Environmental Damages Insurance', and ECS's policy has the name, 'The Real Estate Lender's Policy'. All of these five stand-alone policies contain coverage parts for the loss of collateral value due to a pollution condition, a lender's primary concern. They also have coverage parts for the lender's direct environmental liability for cleanup costs, bodily injury, or property damage arising from a pollution condition, of somewhat lesser concern to a lender than a borrower, particularly before foreclosure. All the companies will issue these policies on a pooled basis applicable to a bank's entire or partial portfolio of loans.

Coverage for Collateral Loss Value

The environmental liability that must have the lender's most rapt attention is the borrower's inability to repay a loan due to a pollution condition. The SC policies of all of the four companies each have coverage parts or insuring agreements that address this concern, usually referred to as 'collateral loss value' coverages. These coverage parts differ significantly from each other in how they treat of trigger of the coverage and the method by which they provide for payment. For trigger, all require a default and the bank's discovery of a pollution condition. However, the AIG loan balance policy is triggered merely by default and first discovery of on-site pollution conditions. Its 'lesser of' policy requires foreclosure as a trigger if the cleanup costs are less than the outstanding loan balance (which is usually the case).

Once coverage is triggered, four of the five policies will pay the lesser of the outstanding loan balance or the cleanup costs. As indicated by its name, the AIG loan balance policy lacks this typical payment pattern; it simply indemnifies the bank for the outstanding loan balance after default and upon discovery of a pollution condition without regard to the amount of cleanup costs. The Zurich policy pays the lesser of cleanup costs or the outstanding loan balance, as does the AIG 'lesser of' policy. The Kemper and ECS policies pay the lesser of the outstanding loan balance, the cleanup costs, or - a third element -- the fair market value of the property.

Coverage for Direct Liability

Coverage for its direct environmental liability is of lesser concern to a lender than the borrower's inability to pay due to a pollution condition. Nevertheless, the liability is potentially there, particularly after foreclosure. Under CERCLA and similar laws, anyone who is a former or current owner, a generator or a transporter to a Superfund site is potentially liable for cleanup costs, bodily injury, and property damage as a result of contamination at that site (42 U.S.C.9601, 1980; and SARA amendments, 1986). If a bank becomes an owner as a result of foreclosure, it may be subject to the same direct liability for such damages that any owner would have.

In addition, a lender can have liability as a non-owner under the 1996 Asset, Conservation, Lender Liability, and Deposit Insurance Protection Act (42 U.S.C. 96014 (20) (F) (IV)) whereby Congress, subsequent to the brouhaha generated by the 'Fleet Factors' case, clarified how a lender might 'participate in the management' of hazardous materials under CERCLA's secured creditor exemption. Because of this clarification , a lender's direct environmental liability for environmental damages pre-foreclosure is considerably more contingent than a borrower's.

In the Kemper and ECS policies, coverage for direct environmental liability is similar if not identical to such coverage under those companies' PL policies. Their direct liability insuring agreements pertain to claims for bodily injury and property damage, to cleanup costs, and to defense costs and are basically separate from the policies' collateral loss value coverages. The direct liability coverage parts of the AIG and Zurich SC policies differ more from those companies' PL policies, and interact somewhat more with the collateral loss value coverage parts of the SC policies. Each of their three SC policies has a coverage part for first party or on-site cleanup cost that is triggered by the insured's discovery of a pollution condition and reporting of it to the carriers. There is no coverage under such first party coverage part if a claim has been made under or reported under the collateral loss value coverage part. These policies also have a coverage part for third party bodily injury, property damage, and third-part or off-site cleanup costs, triggered by a claim made and reported in the policy period.

Combined Coverages and Price

Another difference in and among these policies is what each of the carriers will do when there is a desire for combined coverage, i.e. coverage for the borrower as well as the bank. One question is whether there is ever a need for both coverages or policies at the same time. All of the insurers who issue these policies will usually, if asked, provide coverage to borrowers for the same property under a separate PL policy. Some underwriters at some companies believe that there is seldom a need for both, since the lender can be added to a PL policy as an additional insured with respect to direct environmental liability. They believe that if the borrower is covered for such direct liability, there is little chance that a pollution condition will impact the borrower's ability to repay a loan. One carrier, AIG, believes that the coverages are separate and entirely different and that only the SC policy protects the bank if there is a default. AIG will accordingly issue an SC policy at a substantial discount if both coverages are requested, assuming it considers the risk insurable. Zurich will not provide a discount, and the other two will provide a discount but possibly less than AIG's.

The price for such combined coverage will probably be substantially higher than for an SC policy sold to a bank alone, or for a PL policy sold to a borrower alone. A typical PL policy sold today - i.e., for one, somewhat contaminated, site, with a five-year policy period, $5 million limits, and a $50,000 deductible -- would probably cost between $35,000 and $45,000. A typical SC policy for the same site would cost at most half of that. Both the lower price and an occasional lack of willingness to cover the borrower as well as the lender would result from the belief that the lender's direct environmental risk is more contingent than the borrower's. In underwriting SC policies, underwriters may therefore tend to examine the environmental risk less thoroughly than when they are underwriting PL policies or coverages for a borrower.

Even with respect to the same type of policy and coverage, there can be vast difference in price among the quotations of particular underwriters from different companies on the same risks. That can be due to several factors: the essentially subjective nature of environmental underwriting; the substantial differences in coverage among the policies; and the fact that this coverage is generally evolving. In recent months, new companies have initiated new programs, old companies have revised old policies, and both types of companies are planning to make further revisions.

Case Study

The following case study illustrates the great differences in coverage and price that may result from marketing the same risk to a number of different carriers. This risk was marketed several months ago, when five carriers were providing SC coverage, the four discussed above and United Capitol, using United National paper. [footnote 5 ]

A shopping center in up-state New York had leased part of its property to a gas station for many years. The previous gas company/lessee had caused and cleaned up a spill, resulting in a no further action letter. The current gas company/lessee was dragging its feet about cleanup up some new contamination that it had clearly caused - and the lease agreement lacked a clear indemnification clause. The bank was threatening to cancel the loan, so the goal was to convince the bank that the pollution condition did not threaten its security interest. Hence, the need for environmental insurance.

The risk was marketed to all five carriers. One, carrier A, declined to quote at all, but the other four gave premium indications for a 10-year policy. Carrier B offered a $15,000 premium but with a very restrictive policing including a foreclosure requirement. Carrier C offered a $20,000 policy without a foreclosure or even a default requirement. Carrier D quoted at $30,000 and carrier E at $35,000 with coverage fairly similar to that of Carrier C. Subsequently, when it appeared that the gas station was willing to indemnify the owner properly, Carrier C offered to issue a PL policy to the own with an endorsement covering the bank for its collateral loss value exposure - for the same original $20,000. .

Portfolio Programs

Lenders can purchase two types of portfolio SC programs. A retail banker can purchase a blanket policy applicable to the bank's existing loans, with a provision to add new loans as they come in. It is also possible to purchase portfolio SC insurance for securitization transactions. As this is writer, the premiums on the portfolio policies are running very low, about $100 to $600 per loan for low risk properties and $1000 to $1400 for higher risk properties. The due diligence issue is the main difference among these programs among the companies. Two of the companies, AIG and Zurich, have been marketing the programs and policies as an inexpensive and efficient alternative to the bank's due diligence program; the other two, Kemper and ECS, have note. The latter companies require either Phase I's or transaction screens on all submissions, whether 'one-off' or under a portfolio.

Can the SC Policy Be a Substitute for Due Diligence?

The idea that SC policies or programs can function as a substitute for Phase I's or due diligence has come under considerable fire from environmental engineers during the last year or so.[footnote 5] The engineers maintain that, historically, banks have required Phase I's on all properties, providing an inducement to borrowers to conduct proper due diligence. They are now presumably being discouraged from doing so, since some banks are requiring borrowers to pay for insurance (that protects the lenders alone) instead of the historical due diligence. One article even claimed that banks were thereby violating a public trust, their special duty to protect borrowers in this regard.

Naturally, it can be claimed with some justice that the engineers have an 'axe to grind' and are concerned about losing Phase I business. That does not invalidate their arguments, but not all their arguments are persuasive. The idea that banks have a special duty to protect and forewarn the borrowers about their own due diligence does not survive the laugh test. (The borrower's lawyers are the ones who have the duty.)

But there are better arguments against substitution. Environmental insurance can never be a true 'substitute' for due diligence. To substitute means to take the place of, to serve the same function. Due diligence is the identification of risk or of loss exposure, the first step in the risk management decision making process, and in the environmental area usually consists of site assessments such as transaction screens, Phase I's, which are non-invasive, and Phase II's and III's, which are invasive. A bank's due diligence extends beyond the environmental and into the borrower's ability to repay.

For parties with direct liability, environmental due diligence is also the basis of the innocent purchaser defense to CERCLA liability. Such parties include both the bank and the lender, but, as argued above, the latter has less fear of direct liability than the former, particularly before foreclosure, and is therefore less in need of the defense at that time. The ASTM transaction screen and Phase I were designed with the innocent purchaser defense in mind. If performing these standard guides properly fails to uncover a 'recognized environmental condition', and an environmental condition is subsequently discovered, then the responsible party should be able to assert the defense successfully. Of course, there is no guarantee. The operative word is 'should'. But there is no denying the fact that, without appropriate due diligence, i.e., the transaction screen or Phase I, there will be no innocent purchaser defense to direct liability.

Insurance, on the other hand, is a risk financing, more precisely a risk transfer mechanism, which, like all risk management options relies upon the proper identification of risk. Insurance does not make the liability go away, or prove that it was never there. Accordingly, an insurance policy cannot in general stand in for or substitute for a Phase I. By the same token, a Phase I is no substitute for insurance. Insurance transfers to another party the financial consequences of the exposure, while Phase I's merely identify the exposure. Moroeover, Phase I's are only good for a year or so, while SC policy periods can extend to 20 years. The two provide an entirely different form of protection. As a general rule, insurance and Phase I's are natural complements of one another, not substitutes for each other.

This does not mean that certain types of coverage can never be used as an alternative to due diligence in certain situations. The situation where they cannot be used as such is where the borrower or owner of a potentially contaminated property (including a bank that has foreclosed) needs protection with respect to its own direct liability. In that situation, due diligence must be done, and lawyers (not banks) advising such borrowers or owner need to apprise them accordingly. Articles and marketing pitches that vaguely offer 'environmental insurance' as a substitute for a Phase I give the false and dangerous impression that the insurance can substitute for the borrower's or owner's Phase I with regard to the borrower's or owner's direct environmental liability.

On the other hand, it may be possible in some circumstances for banks to use the insurance as an alternative to their due diligence programs with regard to their own liability for loss of collateral value. Fitch and Moody's have essentially concluded as much. Their recent reports state that lender environmental insurance can be an acceptable substitute for due diligence, without negative credit implications, or with credit enhancements in certain circumstances and if certain concerns are mitigated. [footnote 6] The circumstances generally involve pooled SC policies, especially their collateral loss value coverages, used as a form of securitization for the loan pool. The rating agencies conclude that the SC pooling programs can be used most appropriately in this manner for conduit or small loans involving low risk properties or older industrial properties, but only upon mitigation of their concerns.

These concerns include the following: Due diligence should not be entirely eliminated. The insurer's program should include its own due diligence, including data base searches, which will reveal whether or not there is contamination, and a need for further due diligence. A Phase I must be done upon default. If the property is clean, then and only then can the lender foreclose. [footnote 7] Other concerns include traditional criteria for choosing one insurance policy versus another, i.e., the rating of the insurance company and the company's good claims-paying record.

The policy form is of crucial concern. Both agencies take the position that if these policies are to be used as securitization of a loan pool, they 'should provide for the full payment of the loan balance and the related outstanding obligations without requiring the trust to take possession of the property through foreclosure or requiring any estimate of cleanup costs'. [footnote 8] The policies should not include exclusions for certain types of environmental risk, e.g. lead and asbestos [footnote 9], and coverage only of conditions that violate environmental laws. [footnote 10] They should not include exclusions based on knowledge of the insured or which require that the conditions be 'unexpected and unintended' from the perspective of the insured or any other party, as those may lead to coverage disputes. [footnote 11]

AIG and Zurich, the two companies that have offered their programs for securitzation of loan pools, fulfill the rating agencies' due diligence requirements. Their underwriting processes subject all loans to internal due diligence performed by the insurance company, which usually includes a questionnaire comparable to a transaction screen and data base search. These are also highly rated companies. AIG has a Best's A++ XV rating, and Zurich an A+ XV rating..

The Moody's and Fitch form requirements provide a basis upon which to evaluate the policies in terms of the meaningfulness of their coverage, as well as their sufficiency for purposes of rating. On balance, the AIG loan balance policy probably provides the broadest and most meaningful coverage of all five policies, because it is the only one that pays the loan balance without requiring a cost estimate. However, many of the off-the-shelf forms have the sort of exclusions and definitions that the rating agencies criticize. Kemper's policy is the only one that defines 'environmental standards' to include ASTM's risk based corrective action standard in addition to environmental laws and regulations. This means that Kemper's is the only policy that clearly covers voluntary cleanup costs. Both the AIG and the Zurich policies, unlike the other two, have exclusions for 'intentional' acts as opposed to intentional violations of statute, i.e, that raise the problematic knowledge issue. (Of course, it is highly unlikely that the lender would have committed such an intentional act, unless it has foreclosed and owns the property.) All the policies have lead or asbestos exclusions. However, the insurers are often flexible about tailoring standard policy language to the requirements of a specific transaction. The lender will need the assistance of an environmental insurance expert, usually a broker, who can negotiate such tailoring on its behalf.

As Janet Moylan and Richard Calvert correctly maintain, these SC policies, like all of the new environmental insurance policies, have some extremely valuable business uses. They can be used to facilitate individual transactions involving contaminated property, where they may be a substantially cheaper alternative, or may be a relatively inexpensive addition to, PL coverage for the borrower. They can apply to a bank's entire portfolio, where they are an even less expensive alternative. And they can serve as securitization of a bank's loan pool for conduit or small volume loans, if certain of the rating agencies' concerns, particularly those involving the form of the policies, are met. Those policies that meet the rating agencies' concerns about form are most likely to provide the broadest and most meaningful coverage. In preparing these policies for approval by a rating agency, as well as for use in individual transactions, a lender would be well advised to retain an expert broker who understands the differences among the forms, and who can negotiate appropriate modifications with the insurer or rating agency.

1. For instance, 'Environmental Insurance Offers Alternative for Loans: Insurance Intended to Replace Required Phase I Assessments for Commercial Real Estate Lending', Dallas Business Journal, August 20-26, 1999, quoting a broker marketing the Zurich program.

2. See, 'Phase I Professionals Question Whether Banks Requiring Lender Protection Insurance Violate the Public Trust', Environmental Site Assessment Report, Vol. IV, No. 1 (January 1999); and John P. Bachner, 'New Environmental Insurance Policy Poses Grave Risks if Misused', ASFE News, March 22, 1999.

3. Id.

4. 'Criteria for Use of Environmental Insurance in CMBS', Fitch IBCA, June 8. 1999; 'CMBS: Noody's Approach to Secured Creditor Environmental Insurance', Moody's Investors Service, June 4, 1999.

5. United Capitol/United National have temporarily withdrawn from the market and therefore were not included in the article's overall analysis.

6. See note 4.

7. Fitch, p. 3; Moody's, p. 3.

8. Id.

9. Fitch, p. 5.

10. Moody's, p. 3.

11. Moody's, p. 5.

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International Vlogger Saara dives wirelessly into the lives of three contenders for the ultimate wifi gameshow, setting crazy challenges for them and their families and causing havoc round their homes.In each episode three children living all over the UK will connect remotely via webcam and compete against each other to win samojis. The challenges include Bedroom Bonanza, Toilet Takedown, Food Flash and prepare to cringe big style in Remotely Funny Families, as mums and dads dance or sing their way to samoji success. In the final game, contestants need their wits about them, and an absurdly loud home-made buzzer, as this is the moment they can go from third to first and be crowned Remotely Funny Champion. There will also be surprise celebrity guests along the way.

Station: CBBC (UK)
Rating: 0/10 from 0 users
Status: Running
Start: 2017-02-13

Remotely Funny Air Dates

S01E17 - Hawaii Air Date: 07 March 2017 15:55 -

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Saara is in Hawaii, where she connects to Axelle from Basingstoke, Arwen from Lincolnshire and Dan from Hartlepool. But only one of them will win - who will it be?

S01E18 - Thailand Air Date: 08 March 2017 15:55 -

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Tune in to see Harry in South Lanarkshire, Thea in Northampton and Eve in Huddersfield make a total mess of their homes as they compete against each other for the Remotely Funny hoodie. Connecting them all from Thailand is vlogger Saara. This is the show that answers all the important questions, like how many years does the average person spend on the toilet, and is being humiliated by your parents' singing worth it if you win samojis? Harry loves Saara's Finnish gravy so much he sprays it over his dad in Food Flash and there's some dodgy rule-bending in Remotely Funny Families but only one person can walk away with the hottest of hot prizes- the legendary Remotely Funny hoodies.

S01E19 - Germany Air Date: 09 March 2017 15:55 -

Sorry, but right now we don't have any sources for this episode.

Coming in wirelessly from Germany, vlogger Saara connects three more contenders for more hilarity round their houses. Up for the challenge and their chance to win top of the line loungewear - the Remotely Funny hoodie - are Manon in Derbyshire, Rion in London and Madeleine in Hertfordshire. They face a rogue cockatoo in Loo Tube, have to guess what percentage of a jellyfish is made up of water in Toilet Takedown and suffer extreme embarrassment as their parents try to finish the lyrics.

S01E20 - France Air Date: 10 March 2017 15:55 -

Sorry, but right now we don't have any sources for this episode.

Saara is in France and connecting Rowan in Glasgow, Stella in Leicestershire, and Jennifer from the Scottish Borders via the power of remote Wi-Fi for crazy samoji-winning antics round their houses. Who will estimate the closest answer in Toilet Takedown? What happens in Loo Tube when Grandma blows out the candles on her birthday cake? Will any mums and dads master the Chilean fireman dance routine?

Remotely Funny Actors

Saara Forsberg(Saara Forsberg)

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When will be The Boondocks next episode air date? Is The Boondocks renewed or cancelled? Where to countdown The Boondocks air dates? Is The Boondocks worth watching?

In "The Boondocks", Robert "Granddad" Freeman (John Witherspoon, Friday After Next) is the cantankerous legal guardian of his rambunctious grandkids Huey and Riley (Regina King-Southland and Ray) and has moved them from the south side of Chicago to the quiet and safety of "The Boondocks" (in this case, suburban Woodcrest), hoping that he can ignore them altogether and enjoy the golden years of his life in peace. But Huey, a 10-year-old left wing revolutionary, is determined not to enjoy the affluence of suburbia. This attitude is seconded by his 8-year-old brother, Riley, a proud product of contemporary rap culture. Although they torture each other and provoke the neighborhood, they are no match for Granddad, who is eccentric even by "crazy-ass-old-black-man" standards.

Genres: Comedy
Station: Adult Swim (US)
Rating: 6.5/10 from 2 users
Status: Ended
Start: 2005-11-06

The Boondocks Season 2 Air Dates

S02E01 - ...Or Die Trying Air Date: 09 October 2007 02:30 -

S02E02 - Tom, Sarah & Usher Air Date: 16 October 2007 02:30 -

S02E03 - Thank You For Not Snitching Air Date: 23 October 2007 02:30 -

S02E04 - Stinkmeaner Strikes Back Air Date: 30 October 2007 02:30 -

S02E05 - The Story of Thugnificent Air Date: 06 November 2007 03:30 -

S02E06 - Attack of the Killer Kung-Fu Wolf Bitch Air Date: 20 November 2007 03:30 -

S02E07 - Shinin' Air Date: 27 November 2007 03:30 -

S02E08 - Ballin' Air Date: 04 December 2007 03:30 -

S02E09 - Invasion of the Katrinians Air Date: 11 December 2007 03:30 -

S02E10 - Home Alone Air Date: 18 December 2007 03:30 -

S02E11 - The S Word Air Date: 22 January 2008 03:30 -

S02E12 - Story Of Catcher Freeman Air Date: 29 January 2008 03:30 -

S02E13 - The Story of Gangstalicious Air Date: 05 February 2008 03:30 -

S02E14 - The Huey Freeman Hunger Strike Air Date: 17 March 2008 02:30 -

S02E15 - The Ruckus Reality Show Air Date: 24 March 2008 02:30 -

The Boondocks Actors

Regina King(Riley Freeman)

Cedric Yarbrough(Tom Dubois)

Gary Anthony Williams(Uncle Ruckus)

John Witherspoon(Robert Jebediah "Granddad" Freeman)

Jill Talley(Sarah Dubois)

Gabby Soleil(Jazmine Dubois)

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Simon Property Group Inc. (SPG) is Trading Lower on Unusual Volume for January 18

Equities Staff |

Simon Property Group Inc. (SPG) experienced unusually high volume on Jan. 18, as the stock lost 0.8% to a closing price of $184.17. The stock saw 2.42 million shares trade hands over the course of the day on 23,817 trades. Given that the stock’s average daily volume over the last month has been 1.31 million shares a day, this represents a pretty substantial spike over the norm.

Simon Property Group Inc. has a P/B ratio of 13.11. It also has a P/E ratio of 31.2. The stock has traded between $208.14 and $170.99 over the last 52-weeks, its 50-day SMA is now $190.14, and its 200-day SMA $184.92.

Simon Property Group Inc is real estate investment trust. It owns, develops and manages retail real estate properties such as malls, outlets and community and lifestyle centers.

Headquartered in Indianapolis, IN, Simon Property Group Inc. has 5,250 employees and is currently under the leadership of CEO David Simon.

For a complete fundamental analysis analysis of Simon Property Group Inc., check out’s Stock Valuation Analysis report for SPG. To see the latest independent stock recommendations from’s analysts, visit our Research section.

The Russell 3000 is not well known outside the world of finance, but it’s one of the strongest indices out there for getting a broad sense of the stock market. Unlike the better-known Dow Jones Industrial Average or S&P 500, membership on the Russell 3000 isn’t selected by committee. It’s simply the 3,000 most valuable companies in the country.

With 3,000 stocks making up the index, it gives a broad look at the markets, including the small-and mid-cap companies that aren’t on the Dow or the S&P 500. And with a rules-based system for determining membership, there’s no bias that could potentially limit membership. That’s why many financial professionals will turn to the Russell 3000 long before the better-known indices when trying to take the temperature of the market.

For more news on the financial markets, go to Also, learn more about our independent proprietary equity research reports and our robust do-it-yourself Stock Valuation Analysis reports in our Research section.

All data provided by QuoteMedia and was accurate as of 4:30PM ET.

DISCLOSURE: The views and opinions expressed in this article are those of the authors, and do not represent the views of Readers should not consider statements made by the author as formal recommendations and should consult their financial advisor before making any investment decisions. To read our full disclosure, please go to:

Emerging Growth

MGX Minerals Inc.

MGX Minerals is a diversified Canadian mining company listed on the Canadian Securities Exchange. MGX is engaged in the acquisition and development of industrial mineral deposits in western Canada that…

Private Markets

Autonomous security robots providing advanced detection capabilities at $7 per hour - aiming to define the future of security. Help #StopTheViolence.

Blockchain currencies (e.g. Bitcoin) provide a new disruptive way to transfer value between parties over the internet as opposed to going through banks. GoCoin provides online merchants with a suite…


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Petroleum Geoscience: Kuala Lumpur

Event Information

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Date and Time

No.1 Jalan Utarid U5/13 Section U5

Kuala Lumpur, Selangor 40150

Event description

Course overview

This is a course for non-specialists and no prior knowledge of Earth sciences is necessary. The aim of the course is to cover the fundamentals of the Earth sciences, examine their role in controlling the occurrence, distribution and quantification of 'conventional' oil and gas reserves; review the 'non-conventional' hydrocarbon resources; provide an introduction to the 'peak oil' debate.

The course is designed for

Non-Earth scientists with little or no background in geology, geophysics or the processes that control the formation and distribution of oil and gas resources.

Learning objectives

The course presents the principles and practices underpinning the Earth sciences and demonstrates how they can be applied to hydrocarbon exploration and production. The participants will gain an understanding of the factors and processes involved in the formation of oil and gas fields and their worldwide distribution.

Course outline

The Earth: Its properties, internal structure and age

Earth sciences: definition and overview
Various types of rocks, their origins and examples
Rocks associated with oil and gas:
- Sedimentary rocks: their origin, key features and associated terminology
- Depositional environments, processes and the concept of facies
- Classification of sedimentary environments
- Common sedimentary rocks: Their descriptions and origin

Introduction to Geologicla time, principles of stratigraphy and statigraphic relations:

- The concepts of relative and absolute time
- Measurement of geological time
- The Uniformitarian Principle
- The Law of Superposition
- The Principle of Original Horizontality
- Stratigraphic practice
- Unconformities
- Sequence startigraphy
- Establishing lithostratigraphic and biostratigraphic units
- Correlation

Principles of structural geology:

Various types of geological structures and their relationship to oil and gas occurence
- Folds
- Faults
- Thrusts

- Determination of relative ages of rock units and geological events
- Fault identification and estimate of magnitude of movement using a field photograph
- Simple geological map interpretation

Definition of oil and gas fields

Habitat of oil and gas and factor that control their occurrence

Processes that control the occurrence of oil and gas fields

Geological controls on oil and gas occurrence

Sedimentary basins:

- Definition
- Formation and development
- Global distribution
- Exploration status
- Production status

Association between sedimentary basins and oil and gas occurence

Overview of plate tectonics

Plate tectonics control on the formation, evolution and caracteristics of sedimentary basins

Chemical composition of petroleum substances

- Diagenesis

Petroleum system analysis in terms of elements and processes

- Source rocks: origin, burial history and maturation

- Generation of petroleum
- Migration of petroleum
- Petroleum reservoir rocks and their properties
- Oil and gas traps
- Seals

The petroleum play and petroleum events chart

Identification of petroleum elements and processes

Exploring for oil and gas

- Sources of data

Acquisition and interpretation of geological and geophysical data

- Seismic sequence stratigraphy

Subsurface mapping

- Various types of contour maps

Leads and prospects

Risks and risk analysis

Play fairway analysis

Identification of geological features and potential traps from a seismic section

Reserves estimation

Volumetric methods

- The deterministic method
- The probabilistic method

The unconventionals

- Oil shale
- Shale oil
- Shale gas
- Oil sands
- Coal bed methane
- Gas hydrates

Acquisition and intepretation of open hole logs

- Various types of well logs
- Acquisition of well log data
- Qualitative log interpretation
- Basic quantitative log interpretation

Qualitative log interpretation

The global petroleum industry

Some recent trends in the petroleum industry
Importance of oil in modern societies
Historical review of the price of oil over the past 150 years (since 1861)
The main events of the last decade
Review of the major players in the past 25 years - private oil company rankings in terms
of turnover and market capitalization
State oil company rankings
Biofuels – a panacea?
Organisation of Petroleum Exporting Countries (OPEC)
Global distribution of oil and gas reserves
Sources of information
Giant fields - definition and significance
The world’s top 25 oil fields – locations and reserves
Global oil and gas production
Oil and gas reserves/production ratios
Peak oil?
Selected recent publications

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Date and Time

No.1 Jalan Utarid U5/13 Section U5

Kuala Lumpur, Selangor 40150

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Event Venues & Vendors near Fort Kent Mills, ME

Wedding Reception Venues

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Hotels and Inns

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Taylor Digital Timer w/ Memory Function

Item #: 5896

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  • Taylor Jumbo Timer 5896

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    • Taylor Jumbo Timer 5896

    Taylor Timers w/ Digital Readout 5896

    Taylor Jumbo Digital Timer W/ Memory

    This Taylor timer is made with a jumbo size readout for easy access and use.  The extra large readout is 2.5" X 1.6", and has minutes, and seconds.  This Taylor timer has the ability to count down your time, or count up your time, to the selected minutes.  The memory function is unique and will recall the last time set, no more worrying about how long you set that last batch of cookies for.  This timer has a loud alarm to let you know when and your time has ended.  The timer has a regular standing position or a magnet to stick it to the refrigerator or something metal.  The jumbo timer includes batteries and is ready to go, right out of the box.

    Taylor Digital Timer Features:
    • Jumbo Readout 2.5" X 1.6" display
    • Digital timer
    • Times up to 99 minutes and 59 seconds
    • Counts down or counts up
    • Memory function
    • Loud alarm
    • Magnet or Standing Positioning
    • Battery Included

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    GTIIN / UPC Code 077784010365
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    Material Plastic
    Color White
    Manufacturer's Warranty 1 Year Limited Manufacturer Warranty
    Weight (in Lbs) 1
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Pitless Pygmy Chameleon

Pitless Pygmy Chameleon
Rhampholeon nchisiensis

This is a new species to the hobby and is a great little Pygmy Chameleon, they only reach an adult size of 5-7cm. They are a communal species with males and females living together in low vegetation and on the forest floor and among leaf litter.

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What does a Pitless Pygmy Chameleon look like?

Resembling a dead leaf, colouration is usually shades of brown or grey with two to three thin dark stripes along the flank. Small projections are present around the head area and legs. This species can turn the eye sockets a shade of blue, which really makes them a stunning Pygmy Chameleon to own. The tail is short and stumpy, females having the shortest. Adults are small measuring 5-7cm (2-3 inch), the young are approx. 2cm when they hatch.

This species of Pygmy Chameleon is relatively new in the hobby and makes a great alternative and hardy pet.

Where are Pitless Pygmy Chameleons from?

Found in low vegetation and within leaf litter on the forest floor. They can be found in Ukinga Mountains and the Kipengere range in Southern Tanzania.

How do you keep Pitless Pygmy Chameleons?

This species like other Pygmy Chameleons are very easy to keep and maintain. We keep a small group of five in a 30x30x30cm Exo Terra Terrarium. Use a mixture of peat, fine orchid bark and leaf litter for the flooring. Place twigs throughout the enclosure with real or artificial plants to give this a natural look.

They do not require much heat, room temperature of 20-22C is a good range. You can provide a small basking area with a low wattage bulb connected to a thermostat during the day and allow the temperature to drop between 16-18 at night. As for UV lighting, there are different options on this. Some people say they must have UV to help produce calcium, but as this species lives in low vegetation and on the ground, an energy bulb gives off enough UV. We are going to try this out, but already know of a breeder using this method and so far they have not experienced any problems. The energy bulbs are also ideal as they only give off a small amount of heat (perfect for Pygmy Chameleons) and they are much cheaper to run!

As for feeding, try to vary their diet as much as possible. They will eat a number of small insects ranging from crickets, locusts, wax worms, fruit flies, house flies and small spiders. Dust the food with a vitamin and calcium supplement, babies on every feed, adult should be dusted once a week. We would recommend Nutrobal or Sand Fire Chameleon Dust.

A water dish is not required with this species, they will only drink running water. You should aim to spray twice a day, morning and evening. Do not directly spray the Chameleon, but spray the plants they are resting on. You can also provide a small waterfall which also adds to the natural look.

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Thursday 02 March 2017

Introducing the Northern Invertebrate Show; Huddersfield 9th April (11am - 4pm).

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Cost of living in Harrisburg, Pennsylvania, United States compared to Zomba, Malawi

TOTAL + 115%
warning WARNING!  This comparison is based on only a few data points. At this point it is only a guess. It is based on 108 prices entered by 13 different people.
These prices were last updated on March 26, 2017. Exchange rate: 716.910 MWK / USD

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International Cost of Living Index

Cost of living in Harrisburg, Pennsylvania (United States) is 115% more expensive than in Zomba (Malawi)

For example, you would need at least 5,032,167 Kwacha ($7,019) in Harrisburg, Pennsylvania to maintain the same standard of living that you can have with 2,343,750 Kwacha in Zomba.

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  • Basic lunchtime menu (including a drink) in the business district in Tucson, Arizona costs $15 (44 minutes ago)
  • 1 kg of boneless chicken breast in Malé costs 55 Rufiyaa (about 1 hour ago)
  • Public transport in Dubai costs Dirham 300 (about 1 hour ago)
  • Monthly rent - 900 sqft furnished accommodation in expensive area in Bhubaneswar costs ₨142 (about 1 hour ago)
  • Utilities, monthly for 2 people in 900 sqft in Vancouver costs C$2,236 (about 3 hours ago)


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Thomaston, Griffin Hotel Rooms at the Choice

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Quality Inn Thomaston - Thomaston Hotels
Rating: 2.5 Stars

Quality Inn Thomaston

1010 Highway 19 N, Thomaston - Map
"Over all thoughts"
First, there was a big hole in the carpet in front of the T.V. Carpet most definately needed to be changed. The entire outside of the motel needed to be pressure washed. Made the place look dirty. First appearance was not good. But, out of the other 3 motels in this town, it was considered the best. The breakfast was very good, and the staff went above and beyond.
Traveller from Kentucky
Situated in Thomaston, this motel is within 20 mi (32 km) of Sprewell Bluff State Outdoor Recreation Area, First United …More
Econo Lodge Thomaston - Thomaston Hotels
Rating: 1.5 Stars

Econo Lodge Thomaston

1207 Highway 19 North, Thomaston - Map
"Convenient location in Thomaston"
I stayed in this hotel for a week to attend the For my Life program. The staff was friendly. The hotel is old and could use some updating. However the room was clean. It was worth the price I guess.
Traveller from New York, NY
Located in the heart of Thomaston, this motel is within 20 mi (32 km) of Sprewell Bluff State Outdoor Recreation Area, First …More

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Get an overview of this hotelLuxury hotel with free breakfast and restaurant

Situated near the beach, this luxury hotel is within a 10-minute walk of Santa Susanna Beach and Levante Beach. Les Caletes Beach and Parc Francesc Macia are also within 2 mi (3 km).

Hotel Features

This smoke-free hotel features a restaurant, an outdoor pool, and a bar/lounge. WiFi in public areas is free. Other amenities include self parking, a children's pool, and concierge services.

Room Amenities

All 186 rooms offer furnished balconies, minibars, and flat-screen TVs with satellite channels. Guests will also find room service, hair dryers, and phones.

All-Inclusive Details

All-inclusive room rates at Aqua Hotel Montagut Suites are available. These rates are higher because they include onsite food and beverages in the room rate (some restrictions may apply).

Hotel Amenities

Some rates at Aqua Hotel Montagut Suites are all-inclusive. These rates include onsite meals and beverages, and may include taxes and gratuities. Additional charges may apply for meals at some restaurants, special dinners and dishes, certain beverages, and other amenities.

Aqua Hotel Montagut Suites features an outdoor pool and a children's pool. The hotel offers a restaurant. A bar/lounge is on site where guests can unwind with a drink. Guests can enjoy a complimentary breakfast. Public areas are equipped with complimentary high-speed wireless Internet access.

This luxury hotel also offers a terrace, tour/ticket assistance, and multilingual staff. For a surcharge, the property provides a roundtrip airport shuttle (available 24 hours) and an area shuttle. Onsite parking is available (surcharge).

Aqua Hotel Montagut Suites is a smoke-free property.

  • 24-hour front desk
  • Children's club (surcharge)
  • Airport transportation (surcharge)
  • Number of floors - 7
  • Bar/lounge
  • Free breakfast
  • Concierge services
  • Elevator/lift
  • Pool umbrellas
  • Tours/ticket assistance
  • Free WiFi
  • Dry cleaning/laundry service
  • Total number of rooms - 186
  • Multilingual staff
  • Terrace
  • Luggage storage
  • Restaurant
  • Pool sun loungers
  • Offsite parking reservations required
  • Area shuttle (surcharge)
  • Self parking (surcharge)
  • Smoke-free property
  • Children's pool
  • Outdoor pool
  • Television in common areas
  • Number of buildings/towers - 1

Family Friendly Amenities

  • Family Hotel
  • Outdoor pool
  • Children's pool
  • Free Wi-Fi
  • Cribs/infant beds (complimentary)

Available in some public areas: Free WiFi

Self parking (surcharge), Offsite parking reservations required

Room Amenities

  • Furnished balcony
  • Air conditioning
  • Phone
  • Minibar
  • Daily housekeeping
  • Private bathroom
  • Free toiletries
  • Hair dryer
  • Bidet
  • Bathtub or shower
  • Satellite TV service
  • Desk
  • In-room safe (surcharge)
  • Flat-panel TV
  • In-room climate control (air conditioning)
  • Room service (limited hours)
  • Free cribs/infant beds

Where to Eat

A complimentary breakfast is offered.

Onsite venue - This restaurant serves breakfast, lunch, and dinner. A children's menu is available.

Room service (during limited hours) is available.

Nearby Things to Do

An outdoor pool and a children's pool are on site.

The recreational activities listed below are available either on site or nearby; fees may apply.

  • Scuba diving nearby
  • Scooter/moped rentals nearby
  • Bicycle rentals nearby
  • Safari nearby
  • Boat tours nearby

If you have requests for specific accessibility needs, please note them at check-out when you book your room.

  • Accessible bathroom
  • In-room accessibility

Hotel Policies

Special check-in instructions:

24-hour airport shuttle service is available. Contact the property in advance to get details.

Check-out time is 10 AM

Payment types

Children and extra beds

  • Children are welcome.
  • Free cribs (infant beds)!

  • Pets allowed for an extra charge of EUR 10 per pet, per night
  • 1 per room

You need to know

Extra-person charges may apply and vary depending on property policy.

Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.

Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.

Please note, some room types at this property are not available when booking a stay with children.

Hotel Registry Number - HB-004023

24-hour check-in

No rollaway/extra beds available

You'll be asked to pay the following charges at the property:
  • A tax is imposed by the city: EUR 0.99 per person, per night, up to 7 nights. This tax does not apply to children under 17 years of age.
  • Shuttle transfer per adult: EUR 20 (one way)
The charges below are included in your overall room price:
  • Resort fee
We have included all charges provided to us by the property. However, charges can vary, for example, based on length of stay or the room you book.

Optional extras

The following fees and deposits are charged by the property at time of service, check-in, or check-out.
  • Fee for in-room wireless Internet: EUR 4 per night (rates may vary)
  • Airport shuttle fee: EUR 24 per person (one way)
  • Self parking fee: EUR 5 per night (in/out privileges)
  • Pet fee: EUR 10 per pet, per night
  • In-room safe fee: EUR 4 per day
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.

Hotel Name

  • Aqua Hotel Montagut
  • Aqua Hotel Montagut Suites
  • Aqua Hotel Montagut Suites Santa Susanna
  • Aqua Montagut Hotel
  • Aqua Montagut Suites
  • Aqua Montagut Suites Santa Susanna
  • Hotel Aqua Montagut
  • Hotel Montagut

We should mention

Cash transactions at this property cannot exceed EUR 2500, due to national regulations. For further details, please contact the property using information in the booking confirmation. A resort fee is included in the total price displayed. Set meals are served in guestrooms only (no menus or public dining).

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Get an overview of this hotel3-star hotel in Harrismith with free parking

Situated in a rural location, this hotel is within 20 mi (32 km) of Thebe District Hospital, Harrismith Country Club, and Harrismith Memorial Park. Lion's Park is 19.8 mi (31.8 km) away.

Hotel Features

This smoke-free hotel features a bar/lounge, 24-hour room service, and conference rooms. Free WiFi in public areas and free self parking are also provided. Other amenities include gift shops/newsstands.

Room Amenities

All 22 rooms offer free WiFi, 24-hour room service, and LCD TVs with satellite channels. Guests will also find coffee makers, hair dryers, and laptop-compatible safes.

Protea Hotel by Marriott Harrismith Montrose

Hotel Amenities

Protea Hotel by Marriott Harrismith Montrose features gift shops/newsstands and 24-hour room service. 2 meeting rooms are available. High-speed wireless Internet access is complimentary. A bar/lounge is on site where guests can unwind with a drink. Complimentary self parking is available on site.

Protea Hotel by Marriott Harrismith Montrose is a smoke-free property.

  • Total number of rooms - 22
  • Bar/lounge
  • Breakfast available (surcharge)
  • Conference space
  • Gift shops or newsstand
  • Free WiFi
  • Meeting rooms 3
  • Free self parking
  • Number of meeting rooms - 2
  • Smoke-free property

Available in all rooms: Free WiFi

Available in some public areas: Free WiFi

Free self parking

Room Amenities

  • Air conditioning
  • Phone
  • Coffee/tea maker
  • Daily housekeeping
  • Private bathroom
  • Hair dryer
  • Shower only
  • Desk
  • Satellite TV service
  • Free WiFi
  • In-room safe (laptop compatible)
  • Room service (24 hours)
  • LCD TV

Where to Eat

Buffet breakfasts are available for a surcharge.

24-hour room service is available.

Hotel Policies

Check-in time starts at 2 PM

Check-in time ends at 6 PM

Check-out time is 11 AM

Payment types

Children and extra beds

  • Children are welcome.

  • Pets allowed for an extra charge of ZAR 0 per pet, per day

You need to know

Extra-person charges may apply and vary depending on property policy.

Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.

Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.

No rollaway/extra beds available

No cribs (infant beds) available

Optional extras

The following fees and deposits are charged by the property at time of service, check-in, or check-out.
  • Fee for buffet breakfast: ZAR 175 per person (approximately)
  • Pet fee: ZAR 0 per pet, per day
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.

Hotel Name

  • Montrose Protea Hotel
  • Protea Hotel Montrose Harrismith
  • Protea Montrose
  • Protea Montrose Harrismith

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text:
Ratings based on 571 Verified Reviews

4.1 out of 5
89% of guests recommend
4.2 Room cleanliness
4.4 Service & staff
4.2 Room comfort
3.9 Hotel condition
Expedia Verified Reviews
2 out of 5
by A verified traveler from Michigan

Under major reconstruction so I would avoid

Posted Feb 22, 2017
Pros: Beds
Cons: Tell people about the reno so they can make up their minds if they want to go elsewhere.
Location: Restaurants, shopping, spas, hot springs wine tasting.
No place to park because construction vehicles are everywhere as well as shipping containers to hold the furniture for the rooms being renovated. No ground floor rooms due to construction and lugging a heavy suitcase up two flights of uncovered stairs, in the rain, was not fun. Room was comfortable and when the reno is done should be nice but heads up until it is done. Workers work late too.
5 out of 5
for Everyone
by A verified traveler from Las Vegas, United States of America

Quiet location in Calistoga, CA

Posted Oct 18, 2016
Pros: Comfy bed, pillows. Has a nice refrigerator and comes complete with corkscrew. An important item in wine country.:)
Cons: Can't think of a thing.
Location: Location. Calistoga is a cute town and being at the north end of the Napa Valley it's convenient to both Hwy 29 and the Silverado Trail.
Room was quite spacious. We needed a "cot" for one night and instead got an awesome blow-up mattress that was 3' off the floor and looked like a lounging couch. Our guest slept tight all night and no stiffness in the morning. It exceeded her expectations.
Comment from Hotel Management
Oct 21, 2016 by PP, Hotel Management
Thank you so much Martha for your kind words! We really appreciated having you stay with us. Please come by and see us again!
5 out of 5
for Everyone
by A verified traveler

Very nice

Posted Sep 23, 2016
This hotel was very nice at a reasonable price. It was central to many restaurants and stores.
4 out of 5
by A verified traveler

Convenient, affordable, very welcoming atmosphere!

Posted Sep 21, 2016 on Hotels
Our room was a bit down-at-the-heels, but they are in the process of renovating. Otherwise the hotel is very welcoming and comfortable, cheerful staff, generous breakfast, great common areas inside and outside, very nice pool deck. Perfect location for visiting Calistoga and the whole wine region!
3 out of 5
by A verified traveler

Comfort Inn Calistoga

Posted Aug 28, 2016 on Hotels
Was fine for a one-night stay. Small room (as expected from a Comfort Inn). AC was noisy. Courteous staff. Continental breakfast was ... Continental and that was okay.
4 out of 5
by Paul from Montreal

An affordable stayplace in Cali Wine Country

Posted Aug 27, 2016 on Hotels
We thoroughly enjoyed our stay at this hotel which is conveniently situated in Napa, just a short drive to Sonoma wine region. Although the hotel was in an apparent state of renovation, the room was comfortable and clean. Staff were polite and the complementary continental breakfast was much appreciated.
4 out of 5
for Everyone
by A verified traveler from Oregon

Charming hotel close to town

Posted Aug 19, 2016
Nice hotel within walking distance to town. Staff very friendly and helpful. Noisy on street side as you can hear cars flying by. Pool needs some attention. Would easily stay there again.
5 out of 5
by Karen from Walnut Creek

I shall return!

Posted Aug 10, 2016 on Hotels
My friend and I spent one night here for a short girls' getaway. When we first stopped in, it was too early to check in, but the manager gave us a great recommendation for lunch! It is less than a mile to downtown Calistoga! So convenient! After lunch we checked in to our room with its comfy beds and balcony that was perfect for having a drink. We then enjoyed the small, but truly relaxing mineral pool. The desk clerk also gave us a great recommendation for dinner that night! We then came back and enjoyed our room and balcony and watched a movie. Breakfast in the lobby exceeded my expectations! I LOVE those waffle machines!(Warm syrup would be a nice touch.) They also had cereal, juice, and yummy eggs and sausage patties. The room, lobby, and entire property were very clean. It was quiet at night and the lobby at breakfast was not crowded. I will definitely return to the Comfort Inn Hot Springs of the West! But next time I will stay for more than one night! :)
3 out of 5
by A verified traveler

Posted Jul 30, 2016
Location: Wine country, of course. Calistoga has good restaurants.
Motel room looked and felt like it came out of the 1960s. Clean, but very dated. Outside ambiance nice.
3 out of 5
by Karen from Sacramento

Calistoga Fun Run Stop

Posted Jul 25, 2016 on Hotels
Went to a fun run nearby so hotel was convenient. Had issues with the shower clogging up but they were there within 2 minutes of our call to front desk. Staff were friendly and the business center was great to have. Room was a little worn (lamp shades were stained, shower clogged) but overall we had a nice stay and they had a very nice pool and hot tub.


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Get an overview of this hotelRiverfront Portland hotel in North Portland, near Portland International Raceway

Located in North Portland, this hotel is within 3 mi (5 km) of Portland Expo Center, Portland Meadows Racetrack, and Portland International Raceway. Vancouver Farmers Market and The Academy are also within 3 mi (5 km).

Hotel Features

This smoke-free hotel features a restaurant, an indoor pool, and a 24-hour fitness center. Free buffet breakfast is provided, as well as free WiFi in public areas, free self parking, and a free airport shuttle. Additionally, a bar/lounge, a sauna, and a 24-hour business center are onsite.

Room Amenities

All 200 rooms provide conveniences like refrigerators and microwaves, plus free WiFi and flat-screen TVs with cable channels. Premium bedding, coffee makers, and free newspapers are among the other amenities available to guests.

Oxford Suites Portland - Jantzen Beach

Renovations & Closures

The following facilities will be closed from 27 February 2017 to 06 March 2017 (dates subject to change):
  • Swimming pool

Hotel Amenities

In addition to an indoor pool, Oxford Suites Portland - Jantzen Beach provides a sauna and a 24-hour fitness center. The hotel offers a restaurant. A bar/lounge is on site where guests can unwind with a drink. Guests can enjoy a complimentary breakfast each morning as well as a complimentary manager's reception. Public areas are equipped with complimentary high-speed wired and wireless Internet access.

Business-related amenities at this 3-star property consist of a 24-hour business center and meeting rooms. Event facilities measuring 1350 square feet (125 square meters) include conference space. This business-friendly hotel also offers multilingual staff, gift shops/newsstands, and concierge services. A roundtrip airport shuttle is complimentary to guests during limited hours. Complimentary self parking is available on site.

Oxford Suites Portland - Jantzen Beach is a smoke-free property.

  • Indoor pool
  • Steam room
  • Sauna
  • Free airport transportation
  • Concierge services
  • Free breakfast
  • Conference space
  • Total number of rooms - 200
  • 24-hour front desk
  • Express check-out
  • Multilingual staff
  • Express check-in
  • Laundry facilities
  • Dry cleaning/laundry service
  • Elevator/lift
  • Number of floors - 4
  • Bar/lounge
  • Fireplace in lobby
  • 24-hour fitness facilities
  • Gift shops or newsstand
  • Free WiFi
  • Free wired high-speed Internet
  • Meeting rooms 3
  • Luggage storage
  • Restaurant
  • Safe-deposit box at front desk
  • Free self parking
  • Year Built 1988
  • 24-hour business center
  • Conference space size (feet) - 1350
  • Conference space size (meters) - 125
  • Number of meeting rooms - 3
  • Free reception
  • Smoke-free property
  • Number of buildings/towers - 1
  • Television in common areas

Family Friendly Amenities

  • Family Hotel
  • Indoor pool
  • Free Wi-Fi
  • Laundry facilities
  • Refrigerator
  • Microwave

Available in all rooms: Free WiFi

Available in some public areas: Free WiFi , Free wired high-speed Internet

Free self parking

Room Amenities

  • Premium TV channels
  • Premium bedding
  • Air conditioning
  • Free newspaper
  • Blackout drapes/curtains
  • Phone
  • Free local calls
  • Refrigerator
  • Coffee/tea maker
  • Microwave
  • Private bathroom
  • Hair dryer
  • Shower/tub combination
  • Cable TV service
  • Iron/ironing board
  • Desk
  • Daily housekeeping
  • Flat-panel TV
  • Connecting/adjoining rooms available
  • Free WiFi

Where to Eat

Guests are offered a complimentary buffet breakfast each morning. A complimentary manager's reception is offered each day.

Oxford Bistro - This restaurant serves dinner only. Guests can enjoy drinks at the bar.

Nearby Things to Do

Recreational amenities at the hotel include an indoor pool, a sauna, and a 24-hour fitness center.

The recreational activities listed below are available either on site or nearby; fees may apply.

  • Golfing nearby
  • Water skiing nearby
  • Windsurfing nearby
  • Bicycle rentals nearby

If you have requests for specific accessibility needs, please note them at check-out when you book your room.

  • Accessible bathroom
  • In-room accessibility
  • Roll-in shower

Hotel Policies

Minimum check-in age is 18

Check-in time ends at midnight

Check-in time starts at 4 PM

Special check-in instructions:

Airport shuttle service is available during limited hours. Contact the property in advance to get details.

Check-out time is 11 AM

Payment types

Children and extra beds

  • Children are welcome.

  • Pets allowed for an extra charge of USD 25 per pet, per stay, plus a deposit of USD 25.00 per stay
  • Dogs and cats only
  • 2 per room

You need to know

Extra-person charges may apply and vary depending on property policy.

Government-issued photo identification and a credit card are required at check-in for incidental charges.

Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.

Service animals exempt from fees/restrictions

No rollaway/extra beds available

Optional extras

The following fees and deposits are charged by the property at time of service, check-in, or check-out.
  • Pet deposit: USD 25.00 per stay
  • Pet fee: USD 25 per pet, per stay
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.

Hotel Name

  • Oxford Suites Jantzen
  • Oxford Suites Jantzen Beach
  • Oxford Suites Jantzen Beach Hotel
  • Oxford Suites Jantzen Beach Hotel Portland
  • Oxford Suites Portland Jantzen Beach
  • Oxford Hotel Portland
  • Oxford Suites Portland - Jantzen Beach Hotel Portland
  • Portland Oxford Hotel
  • Oxford Suites Portland Jantzen Beach Hotel

We should mention

This property offers transfers from the airport. Guests must contact the property with arrival details on arrival, using the contact information on the booking confirmation. The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation. Set meals are served in guestrooms only (no menus or public dining).

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Get an overview of this hotelLlanidoes bed & breakfast in Llangurig with free breakfast and bar/lounge

Located in Llangurig, this bed & breakfast is 5 mi (8.1 km) from WMS Firearms Training and within 12 mi (20 km) of Gilfach Nature Reserve and Rhayader Museum and Gallery. Gigrin Farm Red Kite Feeding Centre and Powis Castle are also within 12 mi (20 km).

Property Features

This smoke-free bed & breakfast features a bar/lounge, tour/ticket assistance, and a garden. Free English breakfast, free WiFi in public areas, and free self parking are also provided.

Room Amenities

All 6 rooms offer free WiFi, coffee makers, and flat-screen TVs.

The Old Vicarage - Guest house

Bed & Breakfast Amenities

A bar/lounge is on site where guests can unwind with a drink. A complimentary breakfast is offered. High-speed wireless Internet access is complimentary.

This Llanidoes bed & breakfast also offers tour/ticket assistance and a garden. Complimentary self parking is available on site.

The Old Vicarage - Guest house is a smoke-free property.

  • Total number of rooms - 6
  • Number of floors - 2
  • Bar/lounge
  • Free breakfast
  • Tours/ticket assistance
  • Free WiFi
  • Garden
  • Free self parking
  • Smoke-free property

Available in all rooms: Free WiFi

Available in some public areas: Free WiFi

Free self parking

Room Amenities

  • Coffee/tea maker
  • Hair dryer (on request)
  • Iron/ironing board (on request)
  • Flat-panel TV
  • Free WiFi
  • Free cribs/infant beds

Where to Eat

A complimentary English breakfast is served between 7:30 AM and 9 AM.

Nearby Things to Do

The recreational activities listed below are available either on site or nearby; fees may apply.

  • Golfing nearby
  • Hiking/biking trails nearby

Bed & Breakfast Policies

Check-in time ends at 11 PM

Check-in time starts at 4 PM

Special check-in instructions:

Guests arriving outside normal reception hours should contact the property prior to arrival on the telephone number listed on the confirmation form.

Check-out time is 10 AM

Payment types

Children and extra beds

  • Children are welcome.
  • Free cribs (infant beds)!

  • Pets allowed for an extra charge of GBP 3 per accommodation, per night
  • Restrictions apply
  • For more information contact the property at the number on the booking confirmation

You need to know

Extra-person charges may apply and vary depending on property policy.

Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.

Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.

No rollaway/extra beds available

Optional extras

The following fees and deposits are charged by the property at time of service, check-in, or check-out.
  • Pet fee: GBP 3 per accommodation, per night
  • Onsite credit card charges are subject to a surcharge
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.

Bed & Breakfast Name

  • Old Vicarage Guest house Llanidoes
  • Old Vicarage Llanidoes
  • Old Vicarage Guest house B&B Llanidoes
  • Old Vicarage Guest house

We should mention

Guests can arrange to bring pets by contacting the property directly, using the contact information on the booking confirmation (surcharges apply and can be found in the Fees section). Set meals are served in guestrooms only (no menus or public dining).

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Nkwazi Lodge

Nkwazi Lodge map: Caprivi Strip in Namibia

Below is the most detailed current Google satellite map of Nkwazi Lodge. To zoom out, to see more, click the minus sign (-) at the bottom of the bar on the left.

For a Google map of all the lodges in the area, including Nkwazi Lodge, see our Google map of Caprivi Strip.

Navigating around this Nkwazi Lodge map

Drag-and-drop the sliding marker along the vertical scale to zoom the map in (+) and out (-).
Move the mouse over the pins to see lodge names.
Click on a blue lodge pin to open a bubble with more information. In the bubble, click on the lodge name to read more information about the lodge.
Brown pins indicate points of interest, while black pins show important villages and towns.

Nkwazi Lodge
Caprivi Strip
No. of bedrooms: 18 chalets
Season: Open Year Round
View map of Nkwazi LodgeNkwazi Lodge is owned and run by Valerie & Wynand Peypers is situated 20km east-north-east of Rundu at the north of Namibia. This rustic lodge is tucked away among lush riverine vegetation on ...
Read more about Nkwazi Lodge
See satellite map of Nkwazi Lodge
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how to get all images on a form from sql query? Maybe DBgrid can show images?

Posted on 2004-08-12
Last Modified: 2010-04-05
I need to get all images from this query on a form:

ADOQuery1.SQL.Add('Select id, picture from people where id <10');

Maybe DBgrid can show images?
Question by:selas
1 Comment
LVL 17

Accepted Solution

geobul earned 500 total points
ID: 11784476

I would use DBCtrlGrid with DBImage on it.

Regards, Geo

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Scans your site and returns information about your SSL implementation and certificate. Helpful for debugging and validating your SSL configuration.

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CSS in flash !!!!!!!!!

Posted on 2004-10-03
Last Modified: 2010-04-03
can any body tell my how can i use CSS in flash PLZ!!!!
Question by:Flashawy
1 Comment
LVL 13

Accepted Solution

FLAASHER earned 125 total points
ID: 12214985

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Explore Kentucky Lake
Kentucky Lake, Lake Barkley Fishing
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Archived Fishing Report

Anglers Hoping for Cooler Conditions As Fall Nears

Written by Steve McCadams | Originally published 09/03/2014

With the Labor Day weekend now in the rearview mirror Kentucky Lake anglers are anxious to see a cool snap and perhaps an early arrival of fall. It appears a little rain and slightly cooler temps are in-store for the weekend but it may be the middle of next week before the area says goodbye to 90-degree temps.
Surface temperatures this week lingered around the 85 to 86 degree range. Water color remains clear across most of the reservoir despite a few localized thunderstorms earlier this week.
Lake levels are projected to be in the 356.5 range at Kentucky Dam this weekend and 356.3 upstream in the New Johnsonville sector, which is similar to last week’s elevation.
Grassbeds continue to expose themselves south of the Paris Landing area on the Tennessee River and that has appealed to bass fishermen lately. A lot of baitfish are relating to the Eurasian watermilfoil, pondweed, and spiny leaf that is abundant in shallow areas but also growing in matts near deeper water.
Island rims and flats in secondary channels behind islands have thick grass showing all the way toward the New Johnsonville sector.
Tossing weedless lures in the thicker grass has worked well as have some floating flukes and worms. On the parameters spinnerbaits, worms, buzzbaits, and assorted jerk baits are producing strikes.
The summer pattern of main lake ledges is still alive and well too. Several boats are still targeting the drop-offs and tossing big Texas rigged worms, crankbaits, swimbaits, Carolina and Alabama rigs, and jig and craw combos.
Crappie action has been fair lately with several fish relating to structure in the 11 to 14 foot depth range. Vertical fishing jigs and jigs tipped with minnows have worked. A few deeper areas have also given up some scattered fish.
Watch for improvement soon as September crappie will respond quickly to a slight drop in surface temperatures.
Catfish continue to bite on the hooks of crappie anglers working the midrange depths. While a few fish have been taken along the main Tennessee River channel bank lately in depths of 30 to 40 feet there are still a good number of fish that have not gone deep.
Fall’s transition hasn’t started just yet but watch for a cool snap soon that will likely have a positive influence. Once surface temps fall back a few degrees the overall activity will perk up.

More Kentucky Lake Fishing Reports

Now That You're 'Hooked' on Fishing... Come See Us!

If you've dug this deep in our Kentucky Lake and Lake Barkley fishing reports, you are probably just itching to come down and visit the South's biggest lakes.  Get started by finding that perfect place to stay!  Find a Kentucky Lake cabin or a Lake Barkley campground, a full-service resort or a marina.  Heck, there are even dozens of hotels off the water to choose from!

Don't have a boat?  No worries!  Bank fishing is always an option for panfish. But if you're heart is set on largemouth or smallmouth, you can rent a fishing boat at many of our local resorts!

The perfect place to start looking for a place to stay at Kentucky or Barkley Lakes?  Right here on our main lodging page.

Good Morning
Photo by Nancy Smith

Campers at Land Between The Lakes are often greeted by morning fog rising off of the water and a gorgeous view.


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Designed by Tracy Lizotte for Elizabeth's Studip, this nostalgic collection features childhood memories of best friends forever done in sepia. Included in the collection are 2 panels that are perfect for fussy cutting.