Friday, January 25, 2008 Headlines--- UAEL Board of Directors' Placard ######## surrounding the article denotes it is a “press release”
------------------------------------------------------------------ United Association of Equipment Leasing Board of Directors
UAEL Board votes to “dis-invite” former FTC attorney Randy Brook from giving a work shop and receiving “Leasing News Person of the Year” at their Spring Conference. Story on Monday. -------------------------------------------------------------- Classified ads—Legal/Lawyers specializing in Leasing
San Diego, CA
For a full listing of all “job wanted” ads, please go to: To place a free “job wanted” ad here, please go to: -------------------------------------------------------------- LeasingLogic Winter Issue Exclusive Sonia v. M.Stoddard, National Association of Equipment Leasing spokesperson, along with Larry Greer, newsletter chairperson, have made available LeasingLogic Winter Issue for non-members for The issue is 30 pages. Only available to NAELB members, this is a Leasing News exclusive,
-------------------------------------------------------------- ELFA Lobby efforts not controversial by Paul Menzel, CLP
Not sure if your article about lobbying efforts by ELFA is considered controversial by some in our industry. I have been involved with the Equipment Leasing and Finance Association (ELFA) for over 30 years and the United Association of Equipment Leasing (UAEL) for 20 years. One of the distinguishing factors between the two is that ELFA acts as our industry spokesperson in government relations. This is an extremely important function for any industry association, particularly one that is subject to regulation. The United Association of Equipment Leasing, Eastern Association of Equipment Lessors and National Association of Equipment Leasing Brokers simply do not have the resources to take on that role for its members. However, their members derive the benefits of this activity by ELFA. It is critical to our businesses that State and Federal laws that may affect us are drafted fairly and accurately so as not to negatively impact access to capital by small business and maintaining social responsibility in lending activities. Additionally, the globalization phenomenon affects accounting rules that impact all of us. ELFA is also taking the lead on international issues that require providing accurate information to decision making bodies considering legislation affecting us. Some call this “LOBBYING”. It is not a dirty word. It is, for better or worse, part of any political process (except in non democratic countries). ELFA is proactive in monitoring proposed government and regulatory actions at a State, Federal, and International level and we are all fortunate as a result … whether a member of not. The ELFA Lease PAC serves as a vehicle for leasing industry professionals to contribute to lobbying efforts that benefit our industry and our customers. Even though I sometimes cringe at the political tactics used in this country’s political process, I personally support ELFA’s lobbying efforts that have benefited the companies and customers I have worked for and have maintained the integrity and success of the industry I have bet my career on. I have done this by contributing to the Lease PAC and donating my time to personally lobby regional and national legislators on issues that affect leasing and small businesses. I would hope all of us would take this responsibility seriously. What is good for our industry is probably good for our careers and I, therefore, appreciate ELFA for their efforts. The Presidential nomination campaigns are bringing out some very distasteful arguments and accusations. It is hard not to get caught up in the media hype. Let’s stay above the fray as a united and distinguished industry. Paul J. Menzel, CLP Lobbying story:
--------------------------------------------------------------
Leasing Industry Help Wanted Documentation / Funding Manager
EFD Marketing Officer
-------------------------------------------------------------- Solarcomcapital.com
(This was originally part of the “The Employment in the Leasing Industry,” and may have been missed by many readers, so this section is reprinted here. editor) "We are growing and hiring as fast as we can find people," Robert Necessary, President of Solarcomcapital said. “We are a wholly owned sub of Presidio, Inc. Our total organization had June 30, 2007 fiscal year revenues of about $800 mill. This fiscal year we are on track for $975 million. We act as the captive for our technology sales force and my reps originate business on their own. About 50% of our lease volume in generated by our technology reps bringing us in to lease their deals and the rest is my reps originating on their own. We will generate about $100 million in new originations this year. “In 2006 we were a part of Solarcom, Inc and were acquired by Presidio, Inc in October of 2006. Our hiring was limited that year for a number of obvious reasons; building the P&L for the sale, uncertainty of what would happen after the sale.” “In 2007 we hired 15 new leasing sales reps. Our goal for 2008 is to hire 20-25 reps. As we are not a general lessor but rather an IT operating lease lessor and it is hard for us to find qualified people. If I could find 50 I would hire them today. Most of the sales people in the industry are money over money, yield lessors or are managing vendor programs. We do operating leases (not all are fasb13 but are at least fmv). We are an aggressive residual investor and have the infrastructure to warehouse, refurbish and remarket the used IT equipment in over 70 countries. We have about 60 sales reps in our remarketing company, Atlantix Global Systems.” “Employment in the Leasing Industry”
-------------------------------------------------------------- The Latest Nigerian Scam (Fed Ex authorized to deliver $1.3 million to you)
Plot 8,Ahmed Way, Customers Service Hours--Monday To Saturday: Office Hours Monday To Saturday: Reply to; [nigeriacourierservices.fedex@yahoo.ca] --- Always in the top ten of scams: Leasing News has written about these Nigerian scam for years, starting in 2000:
-------------------------------------------------------------- Retained vs. Contingency Recruiters --by Teri Gerson ---What are the pros and cons?
Competition for top tier talent is fierce, regardless of the economic conditions. When business is brisk, it is hard to attract successful people. Conversely, when faced with challenging economic times it is imperative to assess your team and replace underperformers with strong revenue producers. In order to accomplish this task, many companies decide to collaborate with an Executive Search firm. The tough decisions begin once you have determined that working with a search firm is the right choice. Which firm will deliver the best results for your specific needs? Should you give them an exclusive? Would you be better off with a retained or contingent search, and is there really a difference? These questions are tough because few people are familiar with what the terms mean and what benefits are likely to be derived from different approaches. This article will attempt to clear up some of the confusion. It is not always advisable to use the services of a search firm. For positions that are (relatively) lower in compensation and local in origin, such as receptionist, admin positions, etc. the Internet or local employment agencies will most likely deliver more value for your dollar. Search firm fees are high relative to the positions mentioned and the recruiter's time is better invested in more sophisticated searches. On the other hand, if you need someone who can quickly, and with insight, tap into the appropriate talent pool for your needs and who will do the screening, qualifying, and interfacing, then a search firm is the most cost effective approach. It is a mistaken belief that using Internet resume sites and other similar venues will save money by avoiding fees. The time that management spends contacting, screening, arranging and re-arranging interviews, reference checking, and negotiating almost always costs more than the fee the Executive Search firm would charge. Additionally, while management is committing their time to these tasks, they are not able to perform their primary responsibilities as efficiently. We tend to move in circles of people we have worked for or with over the years. We all know some people, but rarely do we know most people in our industry unless it is our profession. Many times managers tasked with identifying talent are unable to identify people beyond their circle and do not have access to the "inside scoop" about the realities of candidates' careers. Clients may assume that if one search firm will improve the hiring process then five will be five times better. How should you go about determining how many firms to work with and whether to enter into a retained or contingent agreement? Tough questions again, until you understand the pros and cons. It is never in a company's best interests to engage as many recruiters as are willing to work on an assignment. For one thing, the relationship between client and recruiter needs to be deep and meaningful. If developed correctly, the two should work as partners with a common goal. This can only occur when there is commitment, loyalty, and trust. If multiple recruiters are working on a specific search, they have no choice but to "beat the clock" and get resume submittals time stamped. This benefits no one, including the recruiter. Successful identification of superior talent requires that a recruiter speak with many people without exposing them to risk. A review of resumes uncovers subjective and objective information and allows a skilled recruiter to determine what they do not say. Lengthy discussions are necessary in order to get the onion peeled down. This is time consuming. Less scrupulous recruiters do not go to these lengths to properly screen candidates. As a result, the firms that do invest the time and effort are at a significant disadvantage because some firms shot gun resumes. The diligent recruiters know that by the time they finish, recruiters who may never even have talked with the candidate will already have submitted resumes from their files. Everyone loses. Disputes over who is "really" representing them can result in the rejection of qualified candidates. Hiring managers may select second tier candidates because they received their resumes in short order. Companies sometimes receive resumes from candidates who were not aware that someone submitted their resumes until they are contacted for interviews. This “shot in the dark” approach to identifying and attracting talent sends a negative message. Receiving multiple calls about the same opportunity leads people to conclude that the company is desperate or disorganized, or that something is wrong with the position. It is like the game of "telephone" kids play. One person whispers into another's ear, and by the time it goes around the circle, the message is totally distorted. The same thing happens when too may people tell a story. Some exaggerate, some misunderstand, and others are boring. In the end, the impression is rarely good. When reviewing potential firms, whomever you chose should be a specialist in your industry and be familiar with your market. Talk to them. Ask questions and see how they strategize in conjunction with you. Find out what you can expect from them and what they will expect from you. If it does not feel right, then it most likely is not. If possible, make a commitment to one firm. In the end, it is better to limit the length of the exclusive so you can dissolve the arrangement if they don't work out than it is to muddy the waters. If you feel you must diversify, for example, to learn about various firms before making a long-term commitment, limit your engagement to two firms. Give different assignments to each for the first round so that you may compare. Once you have selected the firm who delivers the most in the way that is appropriate for you, use them exclusively from that point on. They will become more familiar with your managers and the corporate personality with each search so that the process continues to improve with every placement. Candidates will know to call them when they desire an introduction to your firm. It makes good business sense. In order to tackle the question of contingency vs. retained, let us define the terms. Contingency searches pay a fee if the recruiter presents a person/s whom the company hires within 12 months of the date of introduction. It is that simple. They get paid when they deliver. Giving a firm an exclusive has nothing to do with whether or not the search is contingent or retained. The company retains the right to hire someone referred by a different source (other than a recruiter) such as an employee referral, or someone you used to work with, and not owe a fee. Depending on the specifics of the assignment, both types of searches can be appropriate. In the strictest sense, retained searches require payment of a fee even if the search firm does not present a candidate that is hired. It also means you must pay them for someone who applies without any connection with the recruiter. However, there are many derivations and some allow for only partial payment if no one is hired or if the recruiter does not source them. Although different firms structure retained fee agreements differently, there is usually upfront good faith money. Up front money demonstrates that the company is serious about filling the position and it forces them to be consistent in what they are looking for. Search firms often find themselves conducting multiple searches for one fee because their client is unsure of what they want. Some retained recruiters state that the retainer provides a dedicated recruiter focused on the client’s needs before everyone else's. It doesn't necessarily work out that way, however. For one thing, they often employ people they call "recruiters" who do the legwork. In other words, these staff “recruiters” contact, screen, and qualify a short list of candidates from a large pool. Therefore, if you retain a firm because you like the way you assume your contact will represent your firm, they will not be the ones who are, in fact, representing you. Their “recruiters" will be. Retained recruiters may suggest that a contingency recruiter is not as motivated to successfully conclude the search without the guaranty of a fee. In truth, most are equally, if not more, motivated since they must deliver in order to receive payment. Retained firms indicate additional services, such as reference checking, justify the guaranty of a fee. In many cases, contingency firms provide the extras that retained searches offer at no charge. Retained recruiters will conduct face-to-face interviews at the client’s request. While this eliminates the risk of a client interviewing a person who makes a bad impression, plane fare, hotel fees, and other expenses are billed in addition to the fee. This extra step in the process can be very costly and time consuming with minimal benefit. A professional recruiter knows how to look, see, and hear very well over the phone during several in depth telephone conversations. Short of knowing about physical appearances, they should be more than able to provide ample information. Write-ups detailing extensive information about candidates’ experience, education, and earnings are included in retained fees. These presentations make a nice visual impression. The question is whether you prefer the recruiter spend their time talking to the industry on your behalf or writing formal reports. Depending on who will be reviewing these reports, email or verbal conversations provide the same information in a timelier manner and the information will be just as weighty. A properly formatted formal presentation is indicated, however, if a board is reviewing the material. Keep in mind, whichever type of search you select, specific services can and should be negotiated. There are circumstances when it makes sense to use a retained search firm. When the position you are trying to fill is senior, someone who intimately knows your company's history, culture, challenges, assets, etc should always do these types of searches on an exclusive basis. They must be polished, well known, and respected. The approach is more formal, in depth, and sophisticated. Candidates qualified for senior opportunities expect the search to be retained, as it tends to lend credence to the process. In the final analysis, the best possible approach to working with search firms is to find one that does it all. Sales, credit, asset management, (to name a few) positions can easily be completed on a contingency basis. Mid to senior level positions are better handled on a retained basis. Finding a search firm that does both means you won't have to start over when the level or number of searches you have changes. Sometimes they can work on your behalf for a contingency fee, and for the more sophisticated or extensive assignments (multiple positions simultaneously) a retainer affirms your commitment to both search firm and candidates. Teri Gerson, President & CEO -------------------------------------------------------------- Popular to sell its Consumer-Finance Operation
Popular, Inc, San Juan, Puerto Rico announced that it is not selling Popular Leasing, but only certain assets of Equity One, the U.S. mainland consumer finance operations of Popular Financial Holdings, to American General Finance, Inc., a member of American International Group. The Agreement contemplates the sale of a significant portion of Equity One's mortgage loan and consumer loan portfolio for a purchase price of approximately $1.5 billion. "We are doing the things we have to do in the U.S. mainland as we focus on our core banking franchise," said Richard L. Carrion, Chairman of the Board and Chief Executive Officer of Popular, Inc. The Agreement also provides that American General Finance, Inc., will consider hiring an unspecified number of Equity One's consumer services employees and will consider retaining an unspecified number of branch locations. Equity One will close all remaining consumer branches. Workforce reductions at Equity One will result in the loss of employment for those employees at the consumer services branches not hired by American General Finance, Inc., as well as for other related support functions. The individuals whose jobs will be eliminated will receive from Equity One a transitional severance package, professional counseling, outplacement and support during this process. The closing of the transaction is subject to the approval of state licensing agencies. It is anticipated that the transaction will be completed in the first quarter of 2008. American International Group, Inc. (AIG), world leaders in insurance and financial services, is the leading international insurance organization with operations in more than 130 countries and jurisdictions. --------------------------------------------------------------- Pentech Financial Adds Two Executives to Sales Team
CAMPBELL, Calif. - -- Pentech Financial Services, Inc., a leading funding source in small ticket and commercial lease financing for businesses nationwide, has announced two key personnel additions that will augment the 30-year old firm’s marketing capabilities. According to Brad Brisbin, Vice President, Sales and Marketing for Pentech, Mr. Sincleair and Mr. Schaubeck, both veterans of the leasing industry, will be responsible for developing and serving the company’s relationships with its extensive national network of brokers involved with Pentech’s Navigator lease funding program. Mr. Sincleair will be based in Plano (Dallas), Texas while Mr. Schaubeck will report to him from New York. The corporate and administrative headquarters of Pentech Financial Services are in Campbell, Calif. The firm’s lease funding division is in San Diego. Before this current promotion, Mr. Sincleair served Pentech as Regional Sales Manager for the company’ s Navigator Program. Previously, he was at Pioneer Capital/IFC where he served as a sales account executive. Mr. Schaubeck comes to Pentech from Financial Pacific Leasing where he served as a regional Broker Relations Manager. Prior to that, he was Vice President in the Equipment Leasing Divisions of Lakeland Bank in New Jersey and of European American Bank in New York. He is a graduate of Hunter College in New York. About Pentech Financial Services, Inc. Headquartered in Campbell, Calif., with an office in San Diego, Pentech Financial Services is a leading provider of small ticket and commercial lease financing in the B-C credit market nationwide. Founded in 1978, Pentech has provided more than a billion dollars worth of commercial equipment lease financing to small and mid-sized companies across the country. ### Press Release ###########################
“Barry saves the day” by Christopher Menkin (This is fiction; all names, places, circumstances are fictional.) “What have you gotten us into, Larry?” Frank was furious and his short-quick temper was evident. His face was tense, and the normally well composed tall, handsome man, was bent over his desk, hands pressed onto the top as if now part of the desk that he could actually grasp it, pick it up to over his head and hurl it straight at his partner in San Francisco Valley Leasing. Larry was scared, wishing he could disappear into the dark blue-black leather chair in Frank’s office. He knew he had to talk fast. His partner was generally very friendly, talkative, but he got angry, watch out! “This guy is one of my golfing buddies, “he explained. “But how did it happen!” Frank yelled, with his hands no longer on the desk, but by his side, but still “Just listen, “ Larry said, trying to cool him down. “ Let me tell you. We have four sets of attorneys and in the last deposition, all of them took their turn ripping into me. Barry didn’t seem happy afterwards, either.” “You got Barry pissed off, too? “ Frank said. “Central Valley didn’t even invite me to Russ Richard’s retirement party. His new replacement told me not to come! What the hell did you do?” “You know, Barry. He wasn’t angry, but then, he wasn’t happy either. “All I know is you told me the lessee went bankrupt and some of the equipment was missing.” “Well, some of the equipment wasn’t there.” “What do you mean? Some of the equipment wasn’t there!” “It never existed.” “What! I thought you inspected all the equipment yourself?” “Well, I did, and I also thought I signed the lease, too.” “I thought our policy was for either of us to witness the signature of all the leases?” Larry stood up and faced Frank. They were both standing. “That’s one of the mistakes, I guess, “Larry said. “ Calm down, “What?! How did this get out of hand?!” “There have been several preliminary hearings, depositions take that Barry attended, driving time, waiting time, responses, a lot of things because there are four leasing companies involved, including our bank. This was the first deposition on me with four attorneys involved. Frank just stared at him. At least he didn’t look like he could have picked up the large wooden desk with a glass top and thrown it at him, Larry thought. “First, I do witness all the signatures...at least I thought I did. Reading the president’s deposition, I remember I actually didn’t see him sign it. He said I didn’t see him sign it, as he didn’t. Thinking about it, both Peter and I visited the office together. In fact, the similar thing happened about four times... “Four times!!!” “That is another part of the problem, as they think we split the lease four times, but we didn’t. There were four separate leases with four separate leasing companies over a six month period of time. Two of them were around $10,000, so I couldn’t take them to the bank. So I sent them other places...” “Other places...” “But in each of the write-ups, I mentioned the other leases. “A reference?” “The problem is one of the leases turns out to be a sale/leaseback on existing equipment they had, and on one lease, the equipment didn’t exist---or doesn’t exist today. Plus the president said “He signed three, but not one.” “Yeah, and it is the Central Valley lease.” “That’s why I am not invited to Russ Richard retirement party!” “Yes, it was for $85,000...and it gets worse.” “How can it get worse?” “We typed the invoices for Peter, and Barry said we shouldn’t have done that.” “I don’t understand.” “Well, for a number of our vendors, to speed up the funding, we have their letterhead here. We can put the serial numbers on the invoice, make sure the ‘sold to’ is right, that no warranties Frank sat down on his dark blue-black leather chair that matched the other chairs in his office. He waited what seemed to be for minutes, didn’t say anything, then leaned back as Larry “Look, we don’t change any of the prices or inflate it, “ Larry explained. “ We make sure the invoice is correct and it is on the vendor’s own invoice that we type. We are like the vendor’s agent.” “So what did Barry tell you to do.” “He said he advises us to quit that practice of typing vendor invoices.” “I mean what did he tell us our chances were in this case.” “ Barry said it was a ‘business decision’.” “So you finally got around to telling me what happened. “Look, Frank. We are innocent. We are the victims here. We didn’t do anything wrong.” “It seems typing the invoice is wrong.” “We only did it for one of the invoices, not all three, as the “What about the witnesses of the signature.” “Peter and I went together. I inspected the machine, verified that it was there. It was supposed to be new, at least it looked new to me. Later we find out it wasn’t new, nor was it leased. “Who was making the payments?” “The company was. He told them that Peter had done a ‘sales/leaseback’ on new equipment and to make payments to Central Valley. Peter took a 20% commission and the company got the rest. “So where do we stand?” “Besides the ‘reps and warrants’ issues, we’re the only one with money, Frank. Peter filed bankruptcy. The company we did the leases for filed bankruptcy, as did the president, a personal bankruptcy, so “Deep pockets!!! We haven’t even paid Barry’s firm!” “But we’re innocent. We’re a victim, too.” “Give me a break! We’re screwed. Barry said it was a business decision because he doesn’t think it is worth the money to prove our innocence. If we want to do that, he’ll do it, and we have to pay his bill to do it, too. It also will affect our relationship with funding sources. That’s what he means “So what do you want to do?” “First, no more typing vendor invoices. Second, on all leases, get them notarized.” “No one does...” “We do in real estate, so from now on--- Notarize Them!” “You’re a notary, so that is easy for you to say, “Larry said, also sitting down. “How about we get a copy of their driver’s license. I know it’s not like getting a notary, but you won’t be able to get a driver’s license unless the person signs.” “I would rather have a notary, especially on larger leases, “ “What else.” “I am going to talk to Central Valley and see if they will let us pay from the residuals they are holding on leases they funded for us. We’ll pay full boat, plus attorney fees. I think they will go for that...They have collateral. They know when they will get paid. So now see if the other two will settle...make them an offer. No games. 50% now or terms for the 100%. No attorney fees. If we are innocent, as you can convince them, maybe they will go for it.” One funder settled for half over six months, one settled for 100% over 12 months, another wrote it off and said San Francisco Valley was also a victim, and Central Valley Bank accepted the residual plan along with paying all the attorney fees. Frank Sanchez was then invited to Russ Richard retirement party. He wasn’t happy with the situation, but was happy that Russ wanted him to come, particularly when he found out it was Russ’s replacement who thought it not appropriate that he attend. Frank knew things would never be the same with Central Valley without Russ. In fact, in less than ten years the bank was sold twice and the leasing entity became one of the largest in the United States under Oh, yes, Larry became a Notary Public. --- (This is the second of a series of short stories that will appear every other Friday in Leasing News.) First story, introduction: “Russ Richards” ---------------------------------------------------------------
News Briefs---- Will the good times last for airline leasing companies? Tax benefits boost GATX profits Tight Credit Market Bites S&P Home Depot drops effort to buy industrial loan company http://www.ajc.com/business/content/business/stories/2008/01/24/ Bad Loans Help Push Sallie Mae to Loss Existing home sales in 2007 dropped by most in 25 years French bank blames $7.2B loss on rogue trader Microsoft 2Q profit up 79 percent, helped by Windows sales ---------------------------------------------------------------
You May have Missed--- CEOs who've teed off with Tiger are a very small group ---------------------------------------------------------------
Sports Briefs---- Matteson ahead at Buick; Woods two shots back Ten things you didn't know about Mike Smith ----------------------------------------------------------------
“Gimme that Wine” Ste. Michelle Wine's profits leap The continuing search for the best way to seal the bottle Screw caps pass test as cork alternative Constellation Brands Sells Almaden and Inglenook to The Wine Group Wine Prices by vintage ----------------------------------------------------------------
Calendar Events This Day Fun at Work Day Room of One’s Own Day Saint feast Days
http://www.catholic.org/saints/f_day/jan.php ----------------------------------------------------------------
People say 'Bless you' after you sneeze for one of two reasons. 1.) When your sneeze, your heart stops for about a second. 2.) Religion believes that when you sneeze, it's easier for demons to possess you. http://en.wikipedia.org/wiki/God_bless_you
----------------------------------------------------------------
Today's Top Event in History 1964 - The Beatles reached #1 on the music charts for the first time, with their single, "I Want to Hold Your Hand" which took the top position not only in "Cash Box" magazine, but also on the hit lists of radio stations. "Billboard" magazine listed the song at #1 on February 1. The group’s second #1 hit, "She Loves You" was released on Swan Records, and not Capitol. Other Beatles songs were released on Vee Jay ("Please, Please Me"), M-G-M ("My Bonnie" with Tony Sheridan), Tollie ("Twist and Shout"), Atco ("Ain’t She Sweet") and the group’s own label, Apple Records, as well as Capitol. [headlines]
This Day in American History 1775 - Americans dragged cannon up hill to fight the British at Gun Hill Road, Bronx. When the British navy landed on Staten Island in 1775, New York City Patriots feared an imminent invasion. They did not want the precious cannon at the Battery to fall into enemy hands. Thus, in December, 1775, they took the cannon to the mainland and scattered them roughly along present-day Gun Hill Road from today's Jerome Avenue across the Bronx River to modern White Plains Road. Super Bowl Champions This Date 1981 Oakland Raiders
-------------------------------------------------------------- Football Poem
-------------------------------------------------------------- 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: --------------------------------------------------------------
http://www.gasbuddy.com/ -------------------------------------------------------------- News on Line---Internet Newspapers Drudge Report -------------------------------- |
|||||||||||||||||||||||||||||||||||||||
Independent, unbiased and fair news about the Leasing Industry. |
|||||||||||||||||||||||||||||||||||||||
 |
|||||||||||||||||||||||||||||||||||||||
Ten Top Stories each week chosen by readers (click here) |
|||||||||||||||||||||||||||||||||||||||
|
|||||||||||||||||||||||||||||||||||||||
Cartoons |
|||||||||||||||||||||||||||||||||||||||
Editorials (click here) |
|||||||||||||||||||||||||||||||||||||||
|
|||||||||||||||||||||||||||||||||||||||
|
|||||||||||||||||||||||||||||||||||||||
 |
| 
