Friday, February 17, 2012
The Truth about Income Inequality in America
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Joe Woodley, CLP, et. al. to go to trial March 12
“Your Orange County Construction and Commercial Claims and Collections Attorneys”
This is a very interesting story as why a law firm would file against guarantors who have filed bankruptcy and what assets are actually available. It appears to be an account "sold" by the FDIC perhaps for pennies on the dollar and the fee comes from collecting. The law firm Lanak-Hanna did not respond to the question of why? It may be because I refused to testify at the trial to be held in Orange County on March 12, 2012. To me, it was a "Freedom of the Press" issue, which this article gives evidence to my original response to the law firm.
Several attempts were made to reach both Mr. Jones and Mr. Woodley, but there was no response at press time.
Who is Joe Woodley?
“1986 Western Association of Equipment Lessors President Ted Parker, Charter Equipment Leasing (left) admonishes 1987 President-elect Joe Woodley, Westover Financial, IN. to ‘ talk softly and carry a big stick’ as he passes the gavel.”
"Joe has been active in the leasing industry for 15 years, starting with a position with the Burroughs Corporation after his graduation from the University of Albuquerque, New Mexico. He was involved in private leasing in 1972 and 1975-77, spending the interim years with St. Paul Leasing. He was Vice President/Marketing at Colonial Pacific Leasing Company from 1977-84.”
One of 25 Most Influential in Leasing:
“Joe Woodley, CLP--1987 president of the Western Association of Equipment Lessors, now National Equipment Finance Association, volunteered and became CEO in November, 2001, when the association was rudderless, also in financial difficulties. He brought in Bill Grohe, and they moved the group into solvency as well as reaching out to other leasing association, attending their conferences, making friends, promoting education, the CLP Foundation, and has been an outstanding leader."
February, 1999: Golden Gate Funding, San Francisco, California purchased by Westover Financial
November 20, 2001: "Joe Woodley, CLP, is the new full-time United Association of Equipment Leasing (UAEL) Chief Executive Officer. He will continue at Westover Financial. Steve Jones is the president of Westover. He was president of the organization in 1987, when it was the Western Association of Equipment Lessors (WAEL). (1)
The Revolving Line of Credit for Westover Financial was signed April 13, 2007 as well as personal guarantees and other supportive documents for $1 million line, 90% advance of each lease transaction. (2)
August 10, 2007 press release shows “Steve Jones as president of Westover Financial; Westover Financial, Inc., headquartered in Santa Ana, CA was founded in 1984 and has funded over $500,000,000. in equipment purchases. It serves the needs of customers nationwide from the home office as well as branch offices in San Francisco, Tampa, Austin and Los Angeles.” (3)
July 25, 2008 the Office of the Comptroller of the Currency closed First Heritage Bank, N.A., Newport Beach, California, a small bank with total assets of $254 million and total deposits of $233 million, owned by First National Bank Holding Company, Scottsdale, Arizona. The FDIC was named receiver with Mutual of Omaha Bank, Omaha. assuming all of the deposits of the banks, Mutual of Omaha Bank will purchase approximately $200 million of assets from the receiverships. Mutual of Omaha Bank will pay the FDIC a premium of 4.41 percent to assume all the deposits. The FDIC will retain the remaining assets for later disposition. (4)
Joseph George Woodley voluntary bankruptcy:
February 13, 2009 FDIC as receiver fro First Heritage Bank "sets over to Brown Bark III, L.P ("Assignee") Revolving Line of Credit Promissory Note dated April 13, 2008 from Westover Financial made "
May 6, 2009 Lanak & Hanna, Santa Ana, California file complaint in Superior Court, Orange County, Central Justice Center for $859,409.50* on behalf of Brown Bark III, LP as plaintiff versus Westover Financial, Inc., Steven R. Jones, an individual; Joseph G. Woodley, an individual; and Does 1 through 100, inclusive. (7)
July 24, 2009 interview with Joe Woodley:
"Westover Financial, Santa Ana, California, started by Joe Woodley, CLP, is dissolving. Thirteen years ago Woodley volunteered to keep the United Association of Equipment Leasing (UAEL) going, becoming its executor then CEO, actually moving to Oakland, California for two years, when the office was moved closer to his home in Southern California. He sold 40% of the company to Steve Jones, who eventually took full control, until a few months ago when he left and took the inside sales crew to iFinancial, San Clemente, California."
"Semi-retired, but still active as membership director-West for the successor of UAEL, National Equipment Finance Association, he has settled some of the bills, settling other debts, answering other questions, and is now in the process of legally dissolving the company.
"His long time credit manager Jaimie Haver will then take over his former outside sales staff: Chuck Parsons, Amy Pine, Wayne Evans, Rick Russo, George Guibert, Tom Tolman, Dave Kolle, Rob Wible, Martin Lacayo, Woody Wong. They are planning to re-open as Westover Capital. (8)
"Westover Financial (07/09) started by Joe Woodley, CLP, sold 40% to Steve Jones 13 years ago, is dissolving. Semi-retired, except for NEFA post, Woodley has been trying to clean up the mess since Jones left several months ago and joined iFinancial, San Clemente, CA with inside sales crew."
(1) Woodley becomes president of UAEL
(2) Exhibit "A" (page 118) signing dates:
(3) Press Release Jones as President:
(4) FDIC Press Release
(5) JG Woodley BK:
(6) FDIC assigns debt to Brown Bark III
(7) Lanak & Hanna Complaint (125 pages with exhibits)
(8) July 24, 2009 Interview/Story
As sent to readers on Wednesday afternoon, The Commercial Finance Association, New York, New York merges with the National Funding Association, Atlanta, Georgia.
The National Funding Association has 300 paying members, according to an interview, but unofficially perhaps up to 2,500 who attend their monthly luncheons through the United States. The web site states, "A network of individuals consisting of investment bankers, accountants, attorneys, brokers, venture capitalists, consultants, bankers, turnaround professionals, factors, specialty finance companies, and asset based lenders. It was organized in 1991 in Charlotte, North Carolina by Bud Wilson, Warren Shinn and Barry Yelton for the express purpose of bringing together financial professionals to network among themselves."
Brian Cove, Chief Operating Officer, Commercial Finance Association told Leasing News that the CFA currently has 265 corporate members, with more than 5000 employees. Employees of each corporate member enjoy the benefits of CFA membership. What also makes the organization distinct, founded in 1944, is that membership in the national organization is open only to lenders. Service providers, even attorneys, software, and other providers whose firm is a member of CFA’s Education Foundation can become members of CFA chapters.
Established in 1991, the NFA consists of a national office and 9 regional chapters in the southeast and mid-western United States. Under the terms of the agreement, all NFA chapter members will become members of the corresponding CFA chapter. Michigan and Raleigh-Durham will become new CFA chapters, giving CFA a total of 20 chapters and increasing its chapter membership to approximately 1,700. CFA will offer complimentary one-year memberships to the firms that are currently members of the NFA but not part of the CFA. These firms will undergo the normal approval process to ensure that they meet CFA’s membership criteria.
There are chapter meetings, just as NFA had, as well as national meetings where non-members are invited to attend. The next convention will be at the JW Marriott, Phoenix, Arizona, November 14-16. The 2011 Conference, the 67th, was held last November in New York and drew over 1200 attendees.
CFA has monthly mailings to a 15,000 mailing list as well as newsletter to members on events and news briefs that may be of interest to them.
A copy of the announcement from CFA is available at:
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Aslam Khan—from dishwasher to owner of 150 stores
Report by Bob Rodi
First, a synopsis of Part I: the Actual economic output will be up 5%, across the board, it was predicted, at the International Franchise Association Conference held at the Marriott World Center which concluded on Wednesday in Orlando, Florida. The experts said the big leader in output growth for 2012 would be in personal services franchises, up an impressive 6.2%. Franchise Real Estate is also making an impressive comeback, with anticipated growth in 2012 of 5.8%.
What seems to be slowing things down is the availability of credit. It appears that there will be a lot of progress this year but that will be “cautious progress”. Franchisors do not expect banks and institutional investors to jump in with both feet. Lease financing has a great opportunity here in 2012.
Aslam Khan—from dishwasher to owner of 150 stores
The Ronald E Harrison award is given each year to an industry leader that has done the most for minorities in franchising. This year’s award was given to a gentleman by the name of Aslam Khan. Aslam is the president and CEO of Falcon Holdings which is the largest Church’s Chicken franchisee in the system.
Aslam is an immigrant from rural Pakistan. He came to this country 32 years ago and like many immigrants, started working in a Church’s franchise as a dishwasher making less than $3.00 an hour. His hard work did not escape the notice of the franchisee for which he worked. He moved through the system and made it his business to learn every aspect of running a Church’s franchise. That covered everything from cutting, coating and frying chicken to becoming an area manager. Aslam had the highest producing area in the chain and soon gained a reputation for turning distressed locations into profitable ones.
Church's Chicken Franchisor sent him all over the country as a troubleshooter. Banks and lenders were asking for him by name to help them save defaulted locations. After being sent on a few of these turnaround jobs a lender asked him to help save a multi- location transaction where the bank was owed $5,000,000. After his assessment of the situation, Aslam went to the bank and told them that he could save their $5 million but that it would take an additional $3 Million to do so.
The bank did not want to put any more money into a failing enterprise, but Aslam saw the potential to own his own business. He was able to raise the money he needed to buy out the bank and turn the operation around. By 1997 Falcon Holdings, LLC owned 97 Church’s franchises. Today Aslam owns over 150 stores in 12 states producing over $100 Million in sales. He received the award because he has made it his personal mission to give other immigrants or disadvantage.
10th Anniversary-Two Buck Chuck Holding at 5 Million Cases
Shanken News Daily
When Charles Shaw—better known as “Two Buck Chuck”—hit Trader Joe’s shelves in 2002, the Bronco Wine Co. brand sparked a phenomenon that few industry observers believed would last. But as it celebrates its 10th anniversary this month, Two Buck Chuck continues to rank among the U.S. market’s top-selling wine brands.
After selling nearly 2 million cases in 2002, Charles Shaw zoomed past the 5-million-case threshold the following year. But while those numbers suggested limitless possibilities, the brand’s explosive growth soon halted. In fact, Two Buck Chuck’s annual volume has remained at around 5 million cases since 2003. Last year, the brand advanced by 1.4% to 5.18 million cases, according to Impact Databank. And while it might seem odd that Two Buck Chuck would lose ground during tough economic times, its annual sales in fact have fallen by about 150,000 cases since 2008.
Retailing at just $1.99 a 750-ml. in Trader Joe’s California stores ($2.99-$3.50 in Trader Joe’s stores in other states due to higher distribution costs), Charles Shaw instantly caught on with consumers as it redefined the economy wine category. Packaged in 750-ml. bottles with a cork seal and sold exclusively in a grocery chain with a reputation for high-quality products, Charles Shaw was vastly different from the screw capped jug wines that had long dominated the economy wine segment.
Two Buck Chuck’s enormous success spawned an array of competing initiatives—mainly in the form of brands retailing at a few dollars higher and offering far wider availability. (Even after years of expansion, at the end of 2011 Trader Joe’s still operated in only 31 states and Washington, D.C.—not all of which allow wine sales in supermarkets—and roughly half of its 365 stores were in California.)
One slightly higher-priced competitor has been Barefoot Cellars. When E. &J. Gallo acquired Barefoot in 2005, it was rising fast, with sales doubling from 2001-2004 to reach 470,000 cases. But plugging the sub-premium Barefoot (around $5.50-$6 a 750-ml.) into Gallo’s formidable pipeline took it to new heights, and it hasn’t stopped soaring since. In 2011, Barefoot’s sales rose by more than 15% to reach the 10-million-case mark. Meanwhile, on the import side, W.J. Deutsch & Sons’ Yellow Tail sold 225,000 cases in the U.S. market in 2001, its introductory year. In 2002, as Charles Shaw arrived on the scene, sales of Yellow Tail—which usually retailed for slightly less than $7 a 750-ml., making it extremely competitive among imports—exceeded 1 million cases. Four years later, Yellow Tail eclipsed the 8-million-case threshold, and sales since hovered at that level.
Despite those and other competitors’ successes, Two Buck Chuck endures. Unlike so many other brands that have gotten off to soaring starts only to fade just as quickly, Charles Shaw is still a strong contender a decade after its launch.
(This ad is a “trade” for the writing of this column. Opinions
Profile: Crit DeMent, Chairman of ELFA
Written by Brian Rogerson
Crit DeMent is chairman of the Board of Directors and chief executive of LEAF Commercial Capital - he is also the 2012 chairman of the Equipment Leasing and Finance Association.
He was born in Louisiana, but raised and attended school in Beaumont, Texas. Beaumont forms part of the “Golden Triangle” – the major industrial sector of Texas on the Gulf Coast. “In the early 20th century,” he explained, “it was the epicenter of the Texas oil business.”
From early days he had his heart set on a career in sales and marketing (“at school I always enjoyed promoting events and positioning various messages”) – and with this in view he attended Texas Tech University where he achieved a BA in journalism with an emphasis on advertising and public relations.
He told Asset Finance International: “I didn’t have a job right out of college, so I got what I thought would be a temporary job selling cars. However, I was soon promoted to finance and insurance (F&I) manager and was introduced to lending and leasing.”
“I liked the finance business,” he added, “but soon tired of the car lot, so I took a job with a fleet leasing company and have been in the leasing industry ever since.”
It was while working in the fleet business in Houston, when the early 1980s recession hit, that DeMent found himself amongst the ranks of the unemployed. He said: “I answered a ‘blind’ advertisement for leasing sales and was hired by Philadelphia’s Master Lease Corporation. At first I was moved to Atlanta as an outside sales representative but then promoted into the company’s national program development - and moved to Philadelphia.”
In 1988 Master Lease was sold to Tokai Bank, becoming Tokai Financial Services (TFS). DeMent worked his way up to the position of vice president of marketing at TFS until he was recruited by his old boss at Master Lease to start operations at Fidelity Leasing, a general equipment lessor, in 1996.
Arriving at LEAF
Four years later, in 2000, the company was sufficiently profitable to sell to ABN AMRO which in 2001 sold the business on to Citibank. DeMent’s operation became a profit and loss centre within CitiCapital. He stressed: “In 2002, along with key members of my team, we brought our lease origination business to LEAF Financial Corporation, the lease asset management subsidiary of Resource America, Inc. We originated and acquired leases for the investment partnerships managed by LEAF Financial Corporation until late 2010 when we spun out the lease origination and serving platforms to form LEAF Commercial Capital (LCC).”
“The driving force in creating LCC was to re-position our company to focus on very specific segments of the marketplace that LEAF and its management team had deep industry experience in – and also a proven track record of success. This new direction involved a total re-assessment of our strategies, products, services, and the resources that support them. To execute our business plan we re-aligned to focus on our key growth initiatives and invested significant capital in the technology required to meet our customers’ business needs.”
“Yes,” he added, “it was a challenge to shift the way we did business. But it actually re-invigorated our management team and our employees to have a fresh go-to-market strategy.”
LCC currently employs around 200 staff and gives national coverage to all 50 US states. It majors in providing finance for the small-ticket office equipment, light industrial and materials-handling, medical technology, and energy and climate-control systems sectors.
Prior to being elected ELFA 2012 chairman DeMent previously served on the ELFA’s Board of Directors as a member of the Executive Committee.
He has also served multiple terms on the Captive and Vendor Finance Business Council Steering Committee and was on the committee that drafted the Code of Fair Business Practices. Most recently he served on ELFA’s Personnel Committee, as well as on the planning committee for the association’s Annual Investors Conference.
He said: “Being in the equipment finance industry most of my professional life I saw a tremendous amount of value in joining the association. Being a member of ELFA allows you to interact with other industry leaders and gain valuable insight into how other companies are approaching the same issues that you are facing. It is invaluable getting new ideas and discovering new ways of doing things from your peers.”
He added: “Perhaps the most important reason of all is to be a part of an organization whose main purpose is to be an advocate for our industry in an effort to promote its growth and its value to all the member companies.”
Difference between survival and defeat
DeMent stressed that in difficult times the role that the association takes on is even more important than when things are going well. “During this recent economic downturn,” he said, “we pulled together as an industry to better assess the markets, develop joint strategies and increase communication to better navigate through the downturn. In addition, by being part of an industry group like ELFA you have access to a broad array of industry-related information that you can utilize to correctly read the economic trends helping you make more educated business decisions which could mean the difference between survival and defeat.”
CLP Spotlight, Joe Schmitz, F.I.T. Leasing
AN INTERVIEW WITH JOE SCHMITZ, CLP
Joe Schmitz, CLP
How did you get your start in the equipment leasing industry?
Sometimes it's funny how you end up in a career. After college I worked for a family business that was involved in car repair and car sales for lenders. I didn't particularly like the car business and the family aspect was crazy but the financing part was fun. The banking business seemed interesting to me and in 1990 I was hired by Ginny Young at TOPA Thrift and Loan in their equipment leasing department.
I wanted the stability of a large, secure bank and they had been in business 72 years. Six months later I was fired! Three months after that the thrift went out of business. That's when I realized no company offers you security. One of the bank's customers was Nova Leasing and the owner, Steve O'Neill hired me. The entire interview was "Ginny said you're a hard worker; we're a straight commission company and there's a desk if you want it".
I had some experience in the fitness industry and thought we should do fitness leasing. Steve said no one funded fitness but if I was stupid enough to pursue fitness vendors, he would get a couple of lenders drunk enough to buy some deals. Two years later fitness was 85% of our business and we changed the name to F.I.T. Leasing. In 1998 Steve passed away doing what he loved; playing golf with his friends in the equipment leasing business and I purchased the company from his children.
We have been a general equipment lease broker with an emphasis in fitness leasing ever since.
What do I find most challenging and interesting in the leasing business?
The most difficult aspect is helping lenders understand non-traditional types of business that are profitable for them. Nontraditional generally means greater risk and even with evidence to the contrary those are tough calls for credit managers to make. The most interesting and fulfilling part of my job is putting together a complex package that meets a lessee's needs.
Would you like to share anything about yourself and what you enjoy doing in your spare time?
Finally here's a little about myself. I guess I'm best described as complicated and extreme. I tend to like my music loud (What does it mean when your kids keep telling you to turn it down?), I like rock-n-roll to gospel and everything in between. As for hobbies; I enjoy reading and learning about business of all types, but also like physical activities like snow skiing and kite surfing.
Having been in the leasing business for twenty years, I have found the best part is the people you meet along the way and the interesting transactions you get to be a part of.
The best advice I have is to do your best to create a win for all concerned; the best financing option for your customer, the best lessee for your lender and to treat others as you would want them to treat you.
(Leasing News provides this ad as a trade for investigations
White Clarke Group's Global Leasing Report
The year 2010 proved to be pivotal for the international leasing market. Not only did the global market for leasing begin to emerge from recession – but the newly-emergent structure bore marked changes to its pre-recessionary format.
It was the year that Europe, as a region, slumped to second place for the first time since 2006 – forsaking its pole position to North America. The Europe region's new business growth of 0.5% paled into insignificance compared to that of North America (+11.8%) – and indeed to the Asia region whose annual leasing growth rose by 31.7% during 2009-2010.
The Asia region increase was, of course, fuelled pre-dominantly by China, a country whose phenomenal industrial growth was displayed by equipment leasing growth of 50% over 2009 and 188.4% over 2008.
Other fascinating revelations about the fortunes of international leasing last year are contained in the latest White Clarke Global Leasing Report. Despite the promise of leasing growth in South America, in fact that region saw a decline in leasing of 15.9% compared to the previous year. Australia and New Zealand as a region suffered a 1% fall in growth despite seemingly recession proof over recent years.
The report also provides rare data including an up-to-date ranking of the top 50 leasing countries – with major positional changes revealed for the first time - as well as a comparison of new business equipment leasing market penetration both by leasing as a proportion of all fixed investment in plant and equipment, and as a relation to gross domestic product.
The report also highlights underlying trends in the international leasing industry and bravely seeks to predict the future of the market in the months to come.
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Leasing News: Fernando’s View
With every awards show, there are not just winners and losers, but also the overlooked ones. So it goes with the Oscars, where the limitations of the nominations result in many a worthy movie and performance being unfairly forgotten. So before we give our predictions for this year's sure bets and wild cards, let us praise the exceptional cinematic folks who didn't even make the race.
Best Picture: With its expanded number of ten choices (as opposed to its original five), you'd assume that the Best Picture field would be well-covered. Still, a few extraordinary efforts still slip through the cracks, and none more extraordinary than Abbas Kiarostami's "Certified Copy," which blends romance, humor, and metaphysical contemplation into the year's most one-of-a-kind date movie. Similarly, Clint Eastwood's "J. Edgar" was a searching, inspired biopic that deserved better than its mostly lukewarm reviews, while Kelly Reichardt's "Meek's Cutoff" proved to be the most original and challenging Western in many a year.
Vintage Overlooked Picture: Speaking of Westerns, arguably the greatest one of all time, John Ford's magnificent "The Searchers," did not get a single nomination when it came out in 1956.
Best Director: Any Best Director field that includes legendary recluse Terrence Malick ("The Tree of Life") is a commendable one. Still, there were visionaries that got away, as evidenced in the lack of nominations for Steven Spielberg, who offered not one but two exceptional films last year ("War Horse," "The Adventures of Tintin"). Likewise, though their latest movies were often problematic, Lars Von Trier ("Melancholia"), Pedro Almodovar ("The Skin I Live In"), and David Fincher ("The Girl with the Dragon Tattoo") deserved recognition for their sheer stylistic power.
Vintage Overlooked Director: Would you believe that the Master of Suspense himself, Alfred Hitchcock, never won a competitive Oscar? Hitch's one Academy Award came in the late 1960s as a lifetime achievement recognition.
Best Actor: A fast-rising star and a superb actor, Michael Fassbender gave a piercing performance in "Shame," which may have been neglected due to the film's controversial topic (sex addiction). After years of strong work, Michael Shannon seemed poised for his first nomination as the anguished paranoid father in "Take Shelter," though the film's unsettling tone may have had something to do with the Academy's overlook. Once considered one of the category's leading candidates, "J. Edgar's" Leonardo DiCaprio may not have nabbed a nomination, but his intensity burned brightly throughout the picture's decade-hopping structure.
Vintage Overlooked Actor: A wonderfully versatile veteran who could play gangsters as easily as henpecked husbands, Edward G. Robinson ("Little Caesar," "Double Indemnity," "Scarlet Street") is widely recognized as the greatest actor to never be even nominated for an Academy Award.
Best Actress: The Academy's preference for uplifting films is again evident in the female performances that failed to be recognized this year. Tilda Swinton as a bewildered mother dealing with a demonic child in "We Need to Talk About Kevin," Elizabeth Olsen as a young woman trying to recover from a traumatic cult experience in "Martha Marcy May Marlene," and Kirsten Dunst as a depressed bride welcoming the end of the world in "Melancholia" were all splendid performances included in works that may have been a little too disturbing for the Oscars.
Vintage Overlooked Actress: Astonishingly at home in drama, comedy, musicals and Westerns, Barbara Stanwyck ("Stella Dallas," "The Lady Eve," "Ball of Fire") won only one Oscar in her long career, and it was one for lifetime achievement near the end of her life.
Best Supporting Actor: The biggest upset this year belongs to Albert Brooks, whose uncharacteristic role as a casually brutal gangster in "Drive" was widely regarded as a sure-fire forerunner. John Hawkes as an alternately charismatic and brutal cult leader in "Martha Marcy May Marlene" and Patton Oswald as an acerbic small-town confidante in "Young Adult" were other underrated choices, yet the most startling overlook may be Colin Farrell for his playful, insinuating turn as the cool and deadly vampire next door in "Fright Night."
Vintage Overlooked Supporting Actor: Classic Hollywood is brimming with delightful character actors who populated the edges of movies without much Oscar recognition. Among them is Western veteran Ward Bond ("The Searchers"), blustery comic ace William Demarest ("The Miracle of Morgan Creek") and master of fluster Edward Everett Horton ("Trouble in Paradise").
Best Supporting Actress: Here's a unique situation where an entire category may belong to a single actress. She may have been nominated for her role as a young housewife awkwardly struggling to fit in high society in "The Help," Jessica Chastain shone just as brightly in her performances as Michael Shannon's concerned wife in "Take Shelter," a conflicted secret agent in "The Debt," and, above all, as the luminous matriarch in "The Tree of Life."
Vintage Overlooked Supporting Actress: Always a welcome, salty presence in any film, perennial wisecracker Thelma Ritter ("Rear Window," "All About Eve," "Pickup on South Street") was nominated six times for the Supporting Actress Oscar. She may never have taken the statuette home, but she did win the heart of many a movie buff.
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Blow, blow, thou winter wind
Heigh-ho! sing, heigh-ho! unto the green holly:
Freeze, freeze thou bitter sky,
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This Day in History
1762 - The British capture Fort Martinique, the main French port in the West Indies, and then St. Lucia and Grenada. Later in the year, Britain will also overrun the Spanish colonial outposts of Cuba and of Manila in the Philippines.
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