Friday, February 9, 2007
Headlines--- Classified Ads---Operations ######## surrounding the article denotes it is a “press release”
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Orange County, CA East Windsor, NJ New York, NY Wayne, NJ For a full listing of all “job wanted” ads, please go to: -------------------------------------------------------------- NorthEast/Midwest: Cold but Coping
“The weather is fine now except for the low temperatures. The one thing we have going for us is that it is February and it can’t last too much longer. I hope I don’t jinx it. We received about 6 inches of snow from noon until 5:00. Paul Witte -------------------------------------------------------------- From Dash somewhere?????
“Just wanted to say hello “Doing well, finally moved into a tent the other day. Been sleeping on the dirt in between patrols for almost two weeks now. “Heard some funny news about Virginia, particularly Norfolk area… snow and record lows.!!! “We are burnin’ up here….thought it is very funny! “My crew and I refer to the sun as BOB (lol) Acronym… bright orange ball!!! Hehehehe!! We playfully curse at him and take our frusta rations out on BOB!!!! “The sun drives us mad and after the first few days we have acclimated and just gone , well mad I suppose. There is a certain kind of fun with it all considering our daily routine. “Rockin’ and a rollin’ on the river patrol!!!!”
-------------------------------------------------------------- CIT Group Vice-Chair Exclusive Interview
In an interview with Leasing News, Thomas B. Hallman, CIT Vice Chairman, Specialty Finance, expanded on the strategic vision behind CIT’s acquisition of Barclays UK and German vendor finance businesses. Hallman is responsible for overseeing CIT Specialty Finance, which is comprised of two major business segments, Consumer/Small Business Lending and Vendor Finance. Combined they have managed assets of more than $36 billion. Hallman has more than 30 years of financial services business experience during which time he has led national and international line organizations and engaged in consumer and commercial lending and leasing. Prior to joining CIT in 1995, he held senior management positions with Commercial Credit Corporation, Citibank, and First Nationwide Bank. He is the Chairman of the Board of Directors of the CIT Bank, and is a member of the Board of Directors of Dell Financial Services and Snap-On Credit. He has also served two terms as the Chairman of the American Financial Services Association.
“The Barclays acquisition gives us the ability to expand our business model throughout the UK and Germany -- two of CIT’s key international markets. Our global vendor finance relationships are supported by our unique Pan-European Dublin operations center which employs more than 400 people” “ Hallman indicated that CIT’s vendor finance business has grown in the United States to where, he believes, it is the leader in technology financing for small to medium size lease ticket transactions. He noted CIT’s transition into smaller ticket items in the mid-1990s, expanding from large ticket, heavy equipment, to an underserved small-mid ticket marketplace. Along the way, he saw the growing need overseas, particularly as end users learned the benefits of leasing already available in the United States. "We developed a core set of principles," he explained, "unifying sales and credit. We took our model to other countries, hired local sales and credit talent and trained these ‘in country’ operations so well that they began to train new employees in other countries as we expanded." Advanced systems handle the array of currencies involved and produce leasing documents in the various languages of the countries served. These systems are key to the local sales teams in supporting their deep relationships with manufacturers, dealers, and brokers. "This acquisition represents a significant step for CIT in our strategic effort to increase our presence in key global markets,” he said. ”This complements our significant presence in the EU, China, Australia, and Latin America, having used the same successful approach that we developed in the U.S. over the last ten years. It’s our goal to bring the success we created in these markets to all the countries we serve.”
-------------------------------------------------------------- Leasing Association Events-Meetings Open to All
Bringing together Funders, Brokers and Services First Meeting in 2007 Tuesday, February 13 – 5 P.M. Keynote Speaker: Dennis joined the Equipment Leasing & Finance Association (ELFA) in 1993 as Vice President of State Government Relations to implement a proactive program. He monitors state legislative and regulatory issues that will affect the equipment leasing industry, and develops and promotes ELFA positions and policy. Among many accomplishments, he served as national President of the State Government Affairs Council and as President of the Washington Area State Relations Group. He has won the Award of Excellence in Government Relations from the American Society of Association Executives on several occasions. Dennis Brown has also served as a liaison to tax committees of the National Conference of State Legislatures. Prior to joining ELFA, he was Executive Director of the State Advertising Coalition. A veteran of the U.S. Army having reached the rank of Sergeant, Mr. Brown is a graduate in political science from the University of Maryland , attended law school before leaving to begin a career in government Relations and is a Certified Association Executive (CAE). Call or write for more information or questions: Patrick McCann 480-218-0525 or Bernice Truszkowski 480-949-0710 -----------------------------------------------------------
UAEL Mountain Area Event
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UAEL Pacific Area Event
-------------------------------------------------------------- Mortgage Industry reporting more delinquencies What is surely going to impact the entire financial community with more layoffs, closing of branches and divisions, is the rising delinquency of mortgages. Mortgage brokers who were once in the According to ABSnet reports, taking the hit are interest only loans, many written on one year term notes, and subprime mortgages. The latest bad news comes from HSBC Finance, formerly Household, in their February 7th “We now expect that the impact of increased provisioning in this area will be the major factor in bringing the aggregate of loan impairment charges and other credit risk provisions to be reflected in the accounts of the Group for the year ended 31 December 2006 above consensus estimates* by some 20 per cent. This is subject to final review and subject to external audit." The number is $1.8 billion and adding to the original provision of $8 million, the potential loss is almost $10 billion. Full HSBC press release here: New York Times Article:
-------------------------------------------------------------- New Decisions: NorVergence Leases
-Partners Equity Capital Company, LLC, dba Commerce Commercial lease makes settlement Partners Equity Capital Company, LLC, dba Commerce Commercial lease makes settlement In the purchase of Pacific Equity Capital Company, LLC, (PECC) by MAC, reported to be the largest overseas subsidiary of Marubeni Corporation of Japan, the press release noted "acquisition of many of the assets of Partners Equity." NorVergence leases were evidently part of the liability side. In June, 2005, Martin Babicki, Executive Vice President Risk/Operations NorVergence “Equipment Rental Agreement” deposition reveals there were about 636 leases (p. 51), 482 of which were not paying (p. 52) and 393 were in suit (p. 52) as of Jan. 6, 2005. Many of the leases were written through "Commerce Commercial Lease,"(CCL) who has reached a settlement with AGs of State of California, Connecticut, Delaware, Georgia, Illinois, Kansas, Maryland, Massachusetts, Michigan, Missouri, New Hampshire, North Carolina, Ohio, Pennsylvania, and Rhode Island It deposited $950,561.00 into an escrow account for disbursement. PECC forgave 78% of the contract balance as of 06/30/2004. The escrow account is for refund to those overpaid. Calculate by taking the amount the customers paid to PECC since June 2004 and subtracting 22% of the customers account balance (PECC forgive 78% of the contract balance). If the result is a negative number, PECC is not required to refund. According to the settlement, previous settled customers can also use a different formula. Neither of the settlement formulas are as good as the original attorney general's settlements in many states, where it varied from 85% to 95%, including late fees, forced insurance, and personal property taxes. None of the court costs or attorney fees are included, as they also were not in all the cases defendants or plaintiffs have won. The list serves and blogs voice displeasure from NorVergence lessees with the settlement. February 1,2007 settlement PECC story --- Florida AG wins appeal Florida Attorney General Bill McCollum as finally won the appeal to re-hear the case against NorVergence lessors, naming: COMMERCE COMMERCIAL McCollum, of Orlando, served on active duty in the U.S. Navy from 1969 to 1972, retiring as a Commander after 23 years of service in the Judge Advocate General’s Corps. He later represented the people of Central Florida in the U.S. House of Representatives for 20 years, retiring in 2001. On January 2, 2007, he was sworn in as Florida’s 36th Attorney General The original complaint named: CIT Technology Financing Services, Inc.; Commerce Commercial Leasing; Court Square Leasing Corporation; Dolphin Financial Corporation; Information Leasing Corp.; IFC Leasing, Inc.; Irwin Business Finance; Liberty Bank Leasing; Patriot Leasing Co. Inc.; Preferred Capital, LLC; Sterling National Bank and Wells Fargo Financial Leasing, Inc. The 2003 press released stated there were 700 small Florida businesses named in the 2003 press release. What the number or dollar amount today was not stated. 2003 press release It appears the largest lessor is IFC Credit, who has not given up in any states, settling most of the case, losing the others. The Federal Trade Commission appears still be "negotiating" a "settlement." It Florida ruling: PCI and NCCC lose forum issue in Ohio Preferred Capital and NCCC lose on “forum” issue in Ohio and will have to sue lessees in their home states. Preferred Capital February 7 lost a case regarding Forum Selection (venue) in Ohio. PAC HEATING , INC., ET AL., APPELLANTS. [Cite as Preferred Capital, Inc. v. Power Engineering Group, Inc Complete ruling: -- Equipment Rental Agreement not valid in Michigan Michigan Court of Appeals upholds decision that the NorVergence Rental Agreement cannot be separated from the overall NorVergence offer of services, and is voidable based on fraud in the inducement. http://leasingnews.org/PDF/MichPrefCapAppDecis.pdf -- Popular has a major loss in Texas Popular has a major loss in Texas. Reportedly they were attempting to settle this case and the talks have broken down. These rulings are for a case that was not settled, they are a part of the Green class action litigation. Popular Ruling --- Another denial for IFC Credit Denial of IFC Credit motion to dismiss a victim's suit. The trial judge has consolidate a large number of suits involving IFC and possible other NorVergence finance companies. Copy of ruling: --------------------------------------------------------------
-------------------------------------------------------------- NorVergence questions by Shawn Halladay
While hanging out with some attorneys the other day (I know – lapse of judgment), the subject of service contracts came up, along with some enforceability issues, lessee practices, and legal foundations. NorVergence, of course, got mentioned. With that as background, I would like to pose some hypothetical questions to the lessees. The primary premise behind the questions is that, unlike the NorVergence situation, the service provider was legitimate, and the equipment was valued properly and had actual utility – basically, how business should be, and normally is, conducted. So, here we go. 1. Who do you blame for this mess? Situation Two – same situation as One, except you buy the equipment by borrowing $28,000 from the bank, payable at $700 per month over the next 48 months. You also decide to prepay $12,000 for the services over the next four years. After 18 months, the service provider goes out of business. 1. Who do you blame for this mess? Do you continue to pay the bank loan on the equipment, even though it does not work without the service? Situation Three – same situation as Two, except you also borrow $12,000 to prepay the services, payable at $300 per month over the next 48 months. After 18 months, the service provider goes out of business. Situation Four – assume the same facts and costs as the previous situations, except this time you lease the $28,000 equipment and finance the $12,000 of prepaid services with a lessor, and the total amount payable is $1,000 per month over the next 48 months. After 18 months, the service provider goes out of business. 1. Who do you blame for this mess? www.leasingnotes.com Shawn D. Halladay The Halladay blog received several responses. Here is one of them: “If leases were considered like loans then they would payable no matter what happens with the money or what the money buys. Unfortunately for Mr. Halladay the law does make a fine difference between a lease and a loan, because it does recognize an essential difference in the transaction, which is that a lease is entered into as part of acquiring some service or object. “ A loan is simply I give you money and you give it back later. The law recognizes because of this fundamental difference that a lease cannot simply be treated as a loan or else it would allow for frauds to occur very easily. Therefore there are limits written into the laws regarding leases. “One is that for a finance lease to have a valid hell or high-water clause there must be clean hands in that the transaction is not occurring just to create a finance lease in order to effect a hell or high-water clause, rather that the transaction is occurring as part of a normal healthy business transaction. Secondly, the law requires that the lease be mostly for goods and nor for service in order for these clauses to be valid, because a promised service can disappear easily whereas goods do not. “Since most leases are legitimate the hell or high-water clause is normally not contestable as the leasing companies are not the ones who create the problem. However, in a case like NorVergence the leasing companies by their accepting the leases in order to try to make them into finance leases are creating the situation where the fraud was able to be carried out. “The leasing companies can not simply claim that they had every reason to assume everything was clean here, as all these leases had widely different prices for the same piece of equipment, which should have at minimum led them to question what is going on here. Also as the leasing companies and NorVergence where closely connected, given the number of transactions that occurred between them and given where applicable there where hold-backs and given master lease agreements and any other connections between them, there is a good case to say that they by definition can not have clean hands as they were not a truly independent party. “Anyways I think I will leave off here as all these points have been made already at one time or another, and really all that is left is to see how the remainder of the cases work their way through the legal system. “In the meantime I will continue sending out a check every once in a while to the lawyer and comfort myself in that the legal fees have been a lot less then paying the lease. “ Mattisyahu Teichman -------------------------------------------------------------- Classified Ads---Help Wanted Account Manager
Sales Professionals
---------------------------------------------------------------- CSI Leasing Marks 35th Anniversary by Topping $1 Billion in Assets
CSI Leasing, a global IT equipment lessor, has announced that its lease portfolio has topped $1 billion in assets. This year the company also celebrates its 35th anniversary. CSI Leasing was one of the first companies to offer IT equipment lease financing in the early seventies, and has since grown to become one of the world’s largest independent IT lessors. The company has helped fuel this growth through acquisitions in the US and abroad, as well as the creation of new leasing entities in a number of countries. Today, CSI has offices throughout the Americas and Europe, and leases equipment in 25 countries. ”The billion dollar mark is a huge milestone for CSI,” says Ken Steinback, chairman and CEO. “Our 35 years of management stability and financial strength directly impacts our ability to fund our clients’ projects. Our strong financial position means that we can continue to innovate with new offerings to serve the diverse needs of our customers.” Steinback notes that CSI plans to continue on its growth path through more acquisitions, both domestic and abroad, and by continuing to build its current customer base. CSI Leasing, Inc. helps its corporate clients implement flexible leasing programs that reduce the costs, risks and hassles of using and disposing of technology equipment. http://www.csileasing.com/financials.html ### Press Release ########################### Microfinancial 4th Quarter $3.9 million WOBURN, Mass.----MicroFinancial Incorporated (AMEX:MFI), a financial intermediary specializing in vendor based leasing and financing programs for microticket transactions, announces its financial results for the fourth quarter and year ended December 31, 2006. 2006 Accomplishments Include: Return to annual profitability with 2006 net income of $3.9 million as compared to a 2005 net loss of ($1.7) million. Net income for the quarter was $1.8 million, or $0.13 per diluted share on 13,979,368 diluted shares, compared to net income of $877,000, or $0.06 per diluted share, in the fourth quarter of 2005. Fourth quarter revenue for 2006 was $7.5 million compared to $8.9 million in the prior year's fourth quarter. Revenue on leases was $1.5 million, rental revenue was $4.5 million, and other revenue components contributed $1.5 million for the quarter. Lease originations for the quarter were $9.1 million. Richard Latour, President and Chief Executive Officer, said, "In 2006, we continued to strengthen our sales and marketing programs and rebuild our vendor base. Throughout the year we have made progress executing on our plan to grow our business. The results for the fourth quarter further validate that these efforts are beginning to succeed. Our lease originations improved 42% to $9.1 million as compared to the third quarter of 2006. In addition, during the quarter, we continued to add more vendors, and processed over 6,300 lease applications. We were also pleased to have announced, in December, the dismissal of the attempted shareholder class action and the favorable resolution of the IRS audit." Full press release at: http://phx.corporate-ir.net/phoenix.zhtml?c=119119&p=irol-newsArticle&ID= ### Press Release ########################### NetSol Signs Contract Valued at Approximately $1.5 Million Contract Marks Third Sale of LeaseSoft Product to Significant Vehicle Finance Operation in Chinese Market
CALABASAS, CA -- -- NetSol Technologies Inc. ("NetSol") (NASDAQ: NTWK), a multinational provider of enterprise software and IT services to the financial services industry, today announced that its Asia Pacific division has signed a contract for the purchase of LeaseSoft, the Company's flagship vehicle portfolio management system, valued at approximately $1.5 million, including license, customization and maintenance. The software was licensed by the China vehicle finance operations of a blue-chip European automotive manufacturer. LeaseSoft is an end-to-end, modular suite comprised of four software applications. Under terms of this Agreement, the customer is purchasing LeaseSoft Retail Finance software with three application modules -- Credit Application Processing, Contract Management and Wholesale Finance, as well as receiving full software customization, system implementation, and ongoing maintenance and support services for the product.
Najeeb Ghauri, chairman and CEO, stated, "This contract marks the third sale of LeaseSoft to a significant vehicle finance operation in the Chinese market. Furthermore, it commences a long-term relationship with one of the most prestigious names in the automotive industry. NetSol is demonstrating that it can and is successfully positioning itself as the premier leasing and finance portfolio management solutions provider worldwide. Given that the Chinese market is still in the nascent stages of development, we believe the LeaseSoft customer base will continue to expand as our sales and market initiatives in this important growth market continue to produce results." NetSol has successfully implemented LeaseSoft in the Chinese operations of DaimlerChrysler Auto Finance and Toyota Motor Finance. About NetSol Technologies NetSol Technologies is a multinational provider of enterprise software and IT services to the financial services industry. NetSol helps clients to identify, evaluate and implement technology solutions to meet their strategic business challenges and maximize their bottom line. By utilizing its worldwide resources, NetSol delivers high-quality, cost-effective equipment and vehicle finance portfolio management solutions. The Company also delivers managed IT services ranging from consulting and application development to systems integration and development outsourcing. NetSol's commitment to quality is demonstrated by its achievement of both ISO 9001 and SEI (Software Engineering Institute) CMMI (Capability Maturity Model) Level 5 assessment, a distinction shared by only 94 companies worldwide. The Company's clients include global automakers, financial institutions, technology companies and governmental agencies. NetSol's largest customer, DaimlerChrysler Services, ranks the Company as a preferred vendor in 40+ countries. Headquartered in Calabasas, CA, NetSol Technologies also has operations and/or offices in London, San Francisco, Adelaide, Beijing, Toronto, and Lahore and Karachi, Pakistan. To learn more about NetSol Technologies, visit the Company's web site at www.netsoltek.com. ### Press Release ########################### International Decision Systems® and Capgemini Agree to
MINNEAPOLIS, Minn. – International Decision Systems, Inc., and Capgemini U.S. LLC, a member of the Capgemini Group, have announced that they are teaming up to deliver expanded implementation, training, and process management services to equipment finance organizations worldwide. This agreement combines the resources of the leading, industry-committed software provider with those of the largest consulting practice dedicated to global asset finance. The agreement demonstrates the two companies’ commitment to joint, collaborative efforts for enhanced delivery of strategy, business process design, technical implementation, and related services to companies running or adopting International Decision Systems products. The resulting service offering will extend across the full finance life cycle and the complete International Decision Systems product suite, which includes Rapport® software for web-based origination, InfoLease® and ProFinia™ software for complete portfolio control, and numerous other solutions.
David Nash, Vice President of Professional Services for International Decision Systems, said, “This alliance with Capgemini will allow us to deliver an unparalleled solution to our customers. Their approach to clients, the Collaborative Business Experience, will be highly effective in defining and meeting our customers’ needs and matching them with ideally configured, world-class software solutions from International Decision Systems.”
Cameron Krueger, Capgemini’s Asset Finance practice leader, underscored the benefits of this alliance for current and prospective International Decision Systems customers. “International Decision Systems has a long tradition of providing quality solutions to the market, and their newest offerings provide exciting opportunities for asset finance companies,” said Krueger. “They serve many of the world’s largest asset finance companies, and the demand for high-quality services surrounding their product suite is impressive. We look forward to jointly serving that market.” About Capgemini The Capgemini Group, one of the world’s foremost providers of Consulting, Technology and Outsourcing services, has a unique way of working with its clients, which it calls the Collaborative Business Experience. Through commitment to mutual success and the achievement of tangible value, the company helps businesses implement growth strategies, leverage technology, and thrive through the power of collaboration. Capgemini employs approximately 65,000 people worldwide and reported 2006 global revenues of more than $9 Billion. Capgemini’s Asset Finance practice is well recognized for offering independent, vendor-neutral creative solutions – from thought leadership and technology strategy to business process improvement, technology implementations and applications maintenance – to banks, captive and independent lessors and lenders. More information about individual service lines, offices and research is available at http://www.capgemini.com/industries/financial/solutions/leasing About International Decision Systems, Inc. International Decision Systems is the global leader in developing equipment finance portfolio management software and services. Headquartered in Minneapolis, Minnesota, International Decision Systems also has offices in London, Sydney, Singapore and Bangalore. International Decision Systems offers the largest and most experienced global consulting, implementation, and technical support teams in the equipment financing industry. For additional information about International Decision Systems, visit www.idsgrp.com, or call 1-866-465-9393 to reach global headquarters. ### Press Release ########################### CapitalStream Appoints Herve Marzio to Vice President, Professional Services Seattle - SEATTLE -- CapitalStream Inc., a leader in front office automation solutions for commercial lending and finance operations, today announced the appointment of Herve Marzio to vice president, professional services. Marzio has built and managed large client service teams that have successfully implemented large-scale enterprise systems across a broad range of enterprises including large banks and financial institutions. He is currently charged with building the processes and personnel skills that ensure CapitalStream's level of service delivery to complement the company's recent growth. With more than 15 years of software implementation and client service leadership, Marzio comes to CapitalStream from Corillian Corp. (NASDAQ: CORI), a leading provider of online banking, payment and security solutions to the financial services industry, where he successfully led some of the company's most challenging projects. As the project executive responsible for consulting and implementation at strategic accounts, he put into place teams and best practices that ensured repeatable success for all implementations while also increasing profitability and customer satisfaction. Marzio was instrumental in developing and instituting many of the policies and methodologies that enabled the impressive growth of the organization. Earlier in his career, Marzio was with Lucent Technologies where he was responsible for the release of its next generation voice mail platform, targeted for leading fixed and wireless telephone providers. Marzio earned his Master's degree in Electrical Engineering at Georgia Institute of Technology in Atlanta. "With a healthy pipeline of new business and a rapidly growing customer base, our professional services organization has become even more critical to CapitalStream's continued success," said Kevin P. Riegelsberger, president and CEO, CapitalStream. "The addition of Marzio to the company's management team represents our strong commitment to building and maintaining a consulting and support organization that can scale, handle an increasing number of simultaneous projects at midsize and large financial institutions. Marzio has the knowledge and experience to enable us to scale to the expanded number and variety of engagements we expect to see over the coming year, contributing greatly to CapitalStream's strategic growth plan." About CapitalStream Established in 1995, CapitalStream provides software and consulting services that enable commercial banks and finance companies to collaborate, integrate and operate more effectively across their front office operations. CapitalStream solutions streamline data gathering, deal structuring, credit analysis, document generation, booking, account monitoring and ongoing risk management to more effectively originate transactions and manage commercial relationships. CapitalStream transforms the paper-based operations of mid-market, small business, equipment leasing and commercial real estate groups by reducing costs, risk and processing times to grow their portfolios without increasing headcount. The company ranked among Deloitte's 2006 Technology Fast 500, a listing of the 500 fastest growing technology, media, telecommunications and life sciences companies in North America. For more information, visit us at ### Press Release ###########################
News Briefs---- Bankkok: KTB Leasing targets 400% growth in 2007 Consumer Confidence Hits 2 1/2-Year High Jan. Retail Sales Better Than Expected McAfee, Broadcom Beat the Street $225 million ethanol plant set for S. Georgia Vineyard National Bancorp Establishes SFR Luxury Construction Lending Group in Northern California Immigration Raid Leaves Texas Town a Skeleton Complaints of lost bags by airlines rise YouTube investors, founders net millions from Google pact, according to SEC filing “American Idol” introduces the nation to Saratoga’s Paul Kim ---------------------------------------------------------------
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“Gimme that Wine” Merlot Fights Back Washington State Tops 31,000 Acres of Grapes Portuguese wine has sales of 977 million euros in 2006 Out of Italy, and Packing a Jolt---Eric Asimov Wine Prices by vintage ----------------------------------------------------------------
Calendar Events This Day Lebanon: St. Maron’s Day http://www.itmonline.org/bodytheology/stmaron.htm Lent Continues Catholic Saints honored this day: · St. Apollonia ----------------------------------------------------------------
The dial tone of a normal telephone is in the key of "F". (While this cannot be confirmed, according to various web sites, some European phones are in the key of “E” and some phones in the United States manufactured in Europe are between “E” and “F,” but are closer to “F.” editor)
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Today's Top Event in History 1964- The Beatles made their live US television debut on "The Ed Sullivan Show." "I Want to Hold Your Hand" could barely be heard over the screams from the audience, who were also treated to "All My Loving," "Till There Was You," "She Loves You" and "I Saw Her Standing There." There were 50,000 requests for the 725 available seats. The Beatles appeared on the show again a week later. Each program was watched by an estimated 70-million people, the highest rating at the time. [headlines]
This Day in American History 1773—Birthday of William Henry Harrison, the 9th president of the United States ( March 4-April 4, 1841). His term of office was the shortest in our nation's history-32 days. He was the first president to die in office (of pneumonia contracted during inaugural ceremonies). John Tyler assumed the presidency and historians state his administration was characterized by bickering and frustration, primarily caused by Henry Clay and Daniel Webster over political issues in their own "Whig" party. -------------------------------------------------------------- Winter Poem Shortcut Through the Storm I took a shortcut through the storm, Storm clouds shifting and changing, greeted by Moses at the foot of the bridge, Minutes pass slowly within these hours. -------------------------------------------------------------- SuDoku The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler? http://leasingnews.org/Soduku/soduko-main.htm -------------------------------------------------------------- Daily Puzzle How to play: Refresh for current date: -------------------------------- |
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