Friday, June 8, 2007
Headlines--- Classified ads---Sales Manager ######## surrounding the article denotes it is a “press release”
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Atlanta, GA To place a free “job wanted” ad here, please go to: For a full listing of all “job wanted” ads, please go to: -------------------------------------------------------------- Correction: FTC filing re: IFC Credit, Morton Grove, Illinois
Exhibits Supporting Plaintiffs Motion for Preliminary Injunction In the “Flash” edition on Wednesday, June 6th, regarding the Federal Trade Commission filing against IFC Credit, Morton Grove, Illinois, the exhibit above supporting the plaintiff’s motion was inadvertently left out. It was added to the story on Thursday. It is interested to note a Power Point Presentation from NorVergence to IFC Credit and others, where it is mentioned about the telephone service being part of the transaction (more on this Monday as we attempt to get a copy of the actual presentation from the attorney who was involved in the The preliminary injunctions basically lists the various depositions utilized, many of them from John Estok, CLP, IFC Credit President, Small-Ticket Group. It was interesting to see the testimony of a Certified Lease Professional, supposedly the top leasing expert designation (Readers of the depositions will understand why the word “supposedly” was utilized, definitely finding the testimony very interesting, especially from a CLP, let alone president of a large leasing corporation and past president of a leasing association.
The question of ethics is not being addressed in the FTC filing. "Mr. Estok comes to IFC with vast leasing experience, being involved in the industry since 1972. In 1996, he moved from his native Canada to join FIRSTCORP. Previously, John was the Executive Vice President and COO of Hitachi Credit Canada Inc., in Mississauga, Canada from 1995-96; President and CEO of Industrial Leasing Corporation of Portland, Oregon from 1991-1995; and Executive Vice President of Norex Leasing, Burlington, Canada from 1985-1991. He is the past President of the Equipment Lessors Association of Canada (1984- 1986)." FTC filing story: Short Excerpt from Transcript: Here is a 21 page "excerpt" synopsis of the Esok deposition: http://www.leasingnews.org/docs/Specialty_VS_IFC-Credit.doc The full transcript includes information about the hearing in Texas versus Illinois, the judge stating that if fraud is involved, it would not be to IFC Credit favor in Texas. This is a hearing by a judge, not a trial by jury. Here is the full 150 page court transcript (Exhibit’s were not available to us) It will take time to download, depending on your connection speed: http://www.leasingnews.org/docs/SpecOp_v._IFC_Trial_Trnscipt.doc Leasing News has requested comments from Mr. Estok, CLP, Mr. It has been their past policy not to comment on matters in litigation. They did release a press statement late Thursday, June 07, 2006, which becomes Leasing News’ top story. --------------------------------------------------------------- IFC Credit Corporation Acknowledges FTC Complaint
MORTON GROVE, Illinois, June 7, 2007 - IFC Credit Corporation (“IFC”) acknowledges the filing of a Complaint against it by the Federal Trade Commission (“FTC”) in Federal Court in Chicago with respect to the failed telecommunications company, NorVergence. The failure of NorVergence and the financial repercussions for all who did business with NorVergence, including IFC, was a most unfortunate event. While IFC cannot comment on the alleged business practices of NorVergence, IFC remains adamant that its conduct in dealing with NorVergence and the businesses that leased NorVergence equipment was at all times appropriate and lawful. IFC intends to vigorously defend itself against the Complaint filed by the FTC and is confident that it will prevail on the merits. About IFC Credit Corporation IFC Credit Corporation is a national equipment leasing and finance company providing innovative services to manufacturing, wholesale, and professional service industries. Headquartered in Morton Grove, Illinois, the company was founded in 1988 and serves a broad market from small businesses to Fortune 500 companies. The company is a leading independent lessor that is included in the Monitor 100 list of top equipment leasing companies nationwide. ### Press Release ########################### (Missouri AG joins the IFC action) Illinois finance company pressuring Missouri businesses and non-profits to pay for fraudulent debt, Nixon says
Jefferson City, Mo. — An Illinois finance company is trying to collect more than $1 million in fraudulent debt from at least 40 Missouri small businesses and non-profits taken in by a telecommunications scam, Attorney General Jay Nixon says. Nixon is suing IFC Credit Corp., based in Morton Grove, to stop it from those collection efforts, to cancel any debt falsely claimed, and to require the company to pay back any Missourians defrauded by its actions. The lawsuit was filed Wednesday (June 6) in St. Louis County Circuit Court. The businesses and non-profits had been customers of a now-defunct company called NorVergence, which was based in New Jersey. NorVergence rented “matrix” boxes that it claimed would integrate and provide telephone, wireless and Internet services while reducing telephone and Internet bills by The boxes didn’t work as promised, and NorVergence was forced into bankruptcy. IFC and other finance companies had purchased the rental agreements from NorVergence and claimed that NorVergence customers were still responsible for the rental agreement payments, even though the equipment did not work. Nixon said IFC misrepresented consumers’ rights and obligations under the rental agreements and has made false claims in its collection letters to consumers.
“These customers were first sold a bill of goods by NorVergence for a product that was supposed to meet all their telecommunications needs,” Nixon said. “Now, even after NorVergence has collapsed, these finance companies are trying to make consumers pay for services they never received. We will protect Missouri small businesses and other consumers from those trying to collect fraudulent debts.” Last August, Nixon obtained more than $461,000 in canceled debt for Missourians that another finance company, Popular Leasing USA, claimed was owed by former NorVergence customers. The company also paid $33,000 in refunds for debts already paid by the businesses. The 21-state settlement, which resulted in the cancellation of more than $15 million in NorVergence customer debt, was led by the Missouri Attorney General’s Office. Inquiries from consumers should be directed to consumer@ago.mo.gov or 1-800-392-8222 (The Texas AG also filed on Wednesday against IFC: -------------------------------------------------------------- Parker's sons convicted
Leasing News had many "run ins" with the late founder of the company, Paul Parker. He started out advertising in USA Today perhaps since the paper started in 1982, offering to train those in his office for $5,000. Former students have said today it is a one person office with an answering service and the manual was a mimeograph. There were never any claims against his company in the Better Business Bureau. He had so many addresses, he avoided BBB reporting. He did lose a case against the late Bob Baker for slander. After many run ins in the continental United States with Leasing News complaints, he evidently started an international thrust. There was a time we were on the telephone with him once a week. One of the most famous was the deposit from the Austrian Soccer Club FC Tirol in 2001, where had taken $650,000 advance on at $15 million lease that never happened: http://www.leasingnews.org/Complaints-Bulletin_Board/Year2001.htm#parker "According to the Superseding Indictment, the defendants operated Parker Leasing and Finance Service in Broward County, Florida. According to the evidence presented at trial, Parker Leasing and Finance Service held itself out as a business engaged in the financing and leasing of commercial equipment, with millions of dollars available for loans. In fact, the defendants enriched themselves by making material misrepresentations to individuals to induce them to apply for commercial lease funding. Ultimately, the defendants failed to deliver on the promised funding and refused to return the victims’ advanced lease payments. The amounts received by the defendants and loss to all currently known victims is approximately $4,000,000. “As part of the loan process, the defendants required loan applicants to send advanced lease payments. The defendants, however, failed to deliver the promised funding, and then refused to return the victims' advanced lease payments." The Parkers were also convicted of conspiring to impede the lawful governmental functions of the Internal Revenue Service of the Treasury Department in the collection of federal income taxes. The evidence established that the defendants diverted the proceeds from the advanced fee scam to themselves using various bank accounts and then converted the proceeds to cash in order to conceal the amount of income they received. Defendant Bob Parker was also convicted of evading federal income tax due and owing by him for the years 2000, 2001, 2002, 2003, and 2004. The defendants were convicted of all charges against them and face statutory maximum sentences of between five (5) to twenty (20) years in prison. After conviction, the defendants agreed to a four million dollar money judgment and to the forfeiture of four bank accounts that contained $206,976.20, and a residence in Greenville, Tennessee. Sentencing is set for July 19, 2007 before the Honorable Federico Moreno in Miami. Mr. Acosta commended the investigative efforts of the Federal Bureau of Investigation, the Internal Revenue Service, and the Broward County Sheriff’s Office. The case was prosecuted by Assistant United States Attorney Thomas P. Lanigan and Department of Justice Tax Division Trial Attorney Mitchell Bober and William C. Healy of the Asset Forfeit Division of the United States Attorney’s Office. -------------------------------------------------------------- Leasing Industry Help Wanted
Corporate and Commercial Leasing Specialist
-------------------------------------------------------------- UAEL Volunteer of the Month: Scott Woodring Scott Woodring The United Association of Equipment Leasing (UAEL) has named Scott Woodring of Dakota Financial as the Volunteer of the month Scott Woodring has over 10 years of experience in the leasing industry. He has held various positions in his leasing career including: lease administration, vendor/lessee development, regional sales management and national sales management. He is currently the Vice President of Sales & Marketing for Dakota Financial, LLC. He works primarily out of the Colorado office, while the main office is located in Southern California. He previously was vice president/sales & marketing for Pawnee Leasing, where he was located for three years. Prior he was the regional sales manager for Firerock Capital, Inc. and Fisher-Anderson, Western regional manager in Lincoln, Nebraska. Scott has been involved with the UAEL for the last nine years. He has been actively involved regionally with UAEL in various parts of the country including Nebraska, Minnesota, and Iowa, and is currently Co-Regional Manager for the highly successful Colorado Region. He has also served on the UAEL Board of Directors Nominating Committee.
Dakota Financial is basically a "story credit" lease finance where they take additional collateral on all the transactions. A typical factor for a $20,000 transaction would be 0.0425 for 36 months. The 36 months would be set up as 32 lease payments and then a purchase option that would be equal to the sum of 4 payments. Dakota typically encourages their brokers to add up to 15 points commission when quoted a payment. Dakota notes they offer customers a no-penalty early payoff after making 12 timely payments. They structure all of transactions like this with only 1 payment plus a $450 documentation fee up front. In addition, they have a few different classifications of assets; hard, soft, restricted, and real estate. Whenever they approve a transaction they need to secure twice as much "hard" collateral as what is to be funded; including the asset being purchased. --------------------------------------------------------------
General Electric Slapped with Gender Discrimination Lawsuit by Female Staff Attorney, www.bulldogreporter.com A female attorney at General Electric has sued the company, claiming that it underpays and under-promotes its women employees. In papers filed in U.S. District Court in Connecticut, Lorene Schaefer charged GE, the world's second-largest company by market capitalization, with gender discrimination, Reuters reports. The suit also names 13 GE officers and directors, including chairman and chief executive Jeff Immelt. Schaefer's suit, which is seeking class-action status, seeks $500 million in damages for a class of about 1,500 to 1,700 GE women workers, according to her attorney, David Sanford of Sanford Wittels & Heisler LP. "This lawsuit is designed to achieve systemic injunctive relief to change GE's discriminatory pay and promotions practices and policies," Schaefer charged in court papers. GE spokesman Gary Sheffer told Reuters, "We strongly deny the allegations made by Ms. Schaefer. We will defend against these claims in court." Schaefer, a 13-year veteran of the company, has served as general counsel at GE's transportation unit, which makes railroad locomotives. GE's other businesses include commercial lending, aircraft engines, appliances and NBC media. Schaefer told Reuters that after two years in her post, GE management in April told her that she was to be demoted and replaced as general counsel of the unit. She said GE officials told her they wanted to replace her with a "big time" general counsel, but did not provide specifics as to how that differed from her qualifications. "I thought about it long and hard, I thought about what I had experienced at the General Electric Company and what women across the corporation had been talking to me and talking to each other about for my entire 13-year history at the company, and I decided to hire counsel," Schaefer said. "It's not unusual at all. There are many, many women who have had the same experience as mine." After hiring an attorney, Schaefer was placed on paid administrative leave in May. "All decisions regarding Ms. Schaefer were based on the merits," GE's Sheffer said. He noted that women accounted for 27 of the company's top 186 employees, classed as "officers," up from 17 in 2001. He added that GE had 62 women in the next management rank down, the "senior executive band" out of about 400 in total and up from 42 in 2001. -------------------------------------------------------------- Letters—We get eMail!!!
Chronological order received:
Your statement that Sterling Financial is not a member of any leasing association is not technically correct. Sterling owns Town & Country Leasing (www.townandcountryleasing.com) which is a member of ELFA. In the Monitor 100 rankings, Town & Country, East Petersburg, PA was ranked #67 in lease originations for 2005 with $187.2 million. I doubt if there was much, if any, cooperation between Town & Country and the unit that had the fraudulent financial statements. If you publish this, I would appreciate it if you would not mention my name. (name with held) (Town and Country Leasing has been a member of ELFA since March, 2004. Technically our story was correct. Leasing News stated that neither Sterling Financial nor Equipment Finance Incorporate were members of any leasing association. Leasing News not only checked on this direct from the web sites, but also communicated with the appropriate person in the association. Interesting that Town & Country belonged, but neither the parent nor their other subsidiary, EFI. Editor) --
Leasing News was kind enough to run an announcement when Bob Heeney passed away in December 2005 to notify the leasing community; and your assistance in getting the news out about an up coming golf event in Bob’s honor would be greatly appreciated. The leasing Community has not forgotten its commitment to raise money for Bob’s Memorial Fund. I have attached a copy of the brochure and I would encourage any of your readers who are local to the Baltimore Washington Area to join us on June 25th The Equipment Leasing Company Address: 53 Loveton Circle, Suite 100 For more information on the tournament, please go here:
I would like to write to you and the readers of Leasing News to share some very exciting information. We have recently returned from our annual conference that was held in Nashville, TN. With some 575 people attending the conference, it was a record breaking event for the NAELB. We could discuss the networking that took place, the chance to meet potential business partners face to face; we could even discuss the standing room only class presentations that our members enjoyed. We could, but I want to concentrate on something even more exciting. I think it is imperative to highlight a few of the really important items that may go unreported. For the first time ever, because of record breaking attendance, we had an onsite vote to extend the bar service for an additional hour at the closing reception. With a room full of people networking and celebrating, it just seemed to be the right thing to do. I would also be remiss if I failed to report the availability of Dove ice cream bars during the breaks between educational sessions! Of course, the internet café sponsored by Enterprise Funding Group was a first for us and it soon became the hot spot for our members who were conducting business in between meeting with new funding sources. Sometimes Kit, the difference between mediocrity and excellence is the attention to detail. I mean, who can argue with the sweet sensation and good feelings of a mid afternoon ice cream break? On a serious note and all kidding aside, the meeting was great and we are excited about the upcoming year in our industry as we continue to grow. The NAELB has recently signed an agreement with Lexis Nexis to bring our members discounted access to the LN products including a long list of public information searches. The LN representative, Joe Selma stated that he had received about 100 applications from his time at the benefits table during the conference. The cost savings from this benefit alone is enough to pay for your membership in the NAELB. I would encourage each member and prospective member to contact our corporate office for additional information. Kit, on a personal note, I would like to thank you for your willingness to communicate information about our annual conference, regional meetings, and benefits such as distance learning to your readers. Your cooperation and assistance is appreciated, perhaps more than you know. Regards, Brian Montgomery, NAELB President --
http://www.leasingnews.org/archives/June%202007/06-01-07.htm#mag Great pick up & reporting on the story on Missouri and merchant processing. There are firms in this industry that give "leasing" credibility problems. There are some ethically challenged firms that will charge say $50 month for 3 years for a $500 (retail price) credit card processor terminal. If the merchant wants to opt out, the amortization usually shows a $1,200 balance. All the merchant thinks of is their "leasing" experience. It's not good for our industry for this deception. Keith Drayer Helping Healthcare Practitioners Be Successful ---
Several months back you published a "tidbit" about how to stop a bunch of programs from running on your p.c. at start-up. It initially caught my because you said something to the effect that "any idiot" should be aware of this easy fix. This appealed to me. I went through your steps, eliminated a bunch of things, and my p.c. has been running much faster since. Thank you, "Luck is the residue of design." Branch Rickey Here it is: Misconfig: ---
Sorry it has taken me so long to get this to you. Would be great if you could add this to your Leasing News. By the way, theLeaseBlog has had a steady flow of referrals from LeasingNews ...obviously attracted by the cartoons!!!! Last week this was announced on monitor, lessors network and elfaonline......response has been quite poor so far so I am hoping Leasing News can really help me get some responses. INTERIMUS: US Leasing – Sales Benchmarking Survey Earlier this month, INTERIMUS Limited , a UK based lease consultancy launched the US version of their unique Sales Benchmarking Survey. The anonymous on-line survey looks to define benchmarks for Salaries, Bonuses, Targets, Longevity, Training, Customer Touch and Satisfaction in the US leasing sales community. This US survey follows hot on the heels of a similar successful launch in the UK market. So please take 8 minutes out and take the survey which can be found at www.theleaseblog.com/sales-benchmarking-survey/ Kind regards Brian ---
Want to add my name to the list of people who find the Leasing News to be of great service to our industry. I enjoy the honest and fair reporting, as well as the ancillary information to brighten the day. Wishing you continued success, good health and happiness...plus many more years of publishing this fine news product. Best regards, Bob ---
please add my e-mail address to your mailing list. I started my own leasing company and would like to receive your news letter. I have been receiving “leasing news” for many years and have found it very informative. Thank you, Bill --
I am deeply saddened by the passing of our good friend Bob Baker. Not only a great person, friend, businessman and industry mentor but also a real leader that gave allot of his time and talent to the industry over the years, to help educate others such as myself. I sat on the UAEL board with Bob and always learned something from him over the years. You don’t get that type of education in any school, except perhaps his. I’m not saying I agree with everything he said but when he spoke… many times it was a great learning opportunity that only required your attention. The great thing about Bob was no matter where you ran into him, and if it was at a conference it could have been anywhere there, parked out by the registration desk so he could see everyone and look for his Wildwood members and friends, at the opening reception, at a session where he was participating, at lunch, or even after hours in the casino or at a bar, no matter what the venue. He always took a moment of his time to ask you how you were doing and to catch up on things. The best way I can describe him is he had a real passion for people and our business. While I’m saddened he left us at such and early age, I’m also grateful for the gift of meeting him and what I gained from it. Thanks! Best regard, Randy --- This was certainly not the news I was hoping for on this Tuesday morning but as the sun shines bright outside my window today I will think of Bob and that glistening twinkle that he always had in his eye. When I came into this industry twenty years ago Bob was one of the very first people that I came in contact with, I can not express the kindness and warmth that he expressed to me, he will be forever remembered in my heart, god bless you Bob, you were one of the best! I will never forget you................. Denise Mann -------------------------------------------------------------- The Cool Factor by Shawn Halladay
Shortly after bemoaning in a recent post that I was not as young as I once was, I discovered that I wasn’t cool either (and not just in the eyes of my teenage children). Now, this probably doesn’t come as a surprise to those of you who recognize my penchant for accounting, but still, it brought me up short to find out that I work in an industry that isn’t considered cool. A double whammy and a cold one at that! How did this startling revelation come to light? As I have said before, we need to bring in the future, future leaders to maintain the viability of the leasing industry. ELFA’s Industry Future Council and Executive Roundtable attendees also have identified this as a critical factor. One of the impediments they identified to doing so, however, is the perception of the leasing industry. Back in the day, the leasing industry had cachet. It was fast moving, developing, and a breeding ground for new products and ideas. This is no longer the case. In addition to lacking visibility with young professionals and graduates, the leasing industry no longer has that “cool factor.” What that means, I am not exactly sure, but apparently has something to do with an inability to impress people in the bar when you tell them you work in the leasing industry. Something to do with the ‘job du jour’ mentality and leasing not being in the inner circle of hot jobs. In fairness to the comment, though, I have to say that I am getting similar feedback from younger leasing professionals as to the long-term prospects of leasing. This is not to say that we don’t have the current talent to continue building the leasing industry. As Valerie Jester mentioned in a recent Equipment Leasing Today quote, “We do have cool, bright, creative entrepreneurs” in our industry. What we do need to do, however, is two-pronged in nature. First, we have to continue to identify these people and provide them with the chance to grow. Second, we have to bring in new people of the same caliber by overcoming the lack of industry visibility and the perception that it is not “cool.” I, for one, am a great believer in our industry and think tremendous opportunities remain today and in the future, so it is not an impossible task. We just have to work at continually identifying and exploiting them. Maybe we can even get back to being cool! While I am on the subject of aging and the cool factor, I need to clarify a comment from one of my recent posts. For those of you who aren’t classic rock and roll fans, my statement of “I hope I die before I get old” was not intended to be either macabre or a commentary on hoping to pass on before I get infirm. It was, instead, intended to reflect a state of mind. This thought, so eloquently verbalized by Roger Daltrey in “My Generation,” reflects a desire to always stay young at heart. If I am not enjoying life and those around me, then it is time to move on. Shawn D. Halladay
http://www.thealtagroup.com/bios-halladay.php ----- I'm gonna pack my clothes Gotta find a friendly city or my favorite, not Rock'n'Roll, but: I don't want a pickle Kit Menkin
### Press Release ########################### Alta Continues Its Expansion Eastwards in Europe
The Alta Group has great pleasure in announcing that Nada Burić is to join the team as an Associate, based in Ljubljana, Slovenia.
Nada is a Lawyer with extensive experience in the Equipment Leasing, Banking and Finance business, having been providing legal advice for over 30 years on banking and finance in the corporate and commercial sectors, in both domestic and international markets. She has a lot of experience at handling the sensitivities arising from working with clients of different nationalities. Nada specialises in Corporate and finance law with particular interest in mergers & acquisitions in addition to the financial consolidation of small to medium size companies. She has chosen to focus particularly on the leasing industry and numbers ten leasing companies among her client base. For six years Nada was a member of the Leaseurope Legal Affairs Committee and has frequently participated at Leaseurope conferences. Nada was among the founding members of the Slovenian Leasing Association and Chairlady of its Legal Affairs Committee. A qualified Mediator in civil and commercial disputes and a founder member of the Derek Soper, a Principal and Chairman of The Alta Group, Europe, said, “Nada is a wonderful addition to our team. Her unique combination of experience across many aspects of Alta’s work in the CEE Countries will be a great plus for our Group. We are all looking forward working with her and benefiting from her knowledge and contacts in the Region.” ABOUT THE ALTA GROUP ### Press Release ###########################
News Briefs---- Yield on 10-year note tops 5%; could lift mortgage rates Amex to sell private bank unit within weeks: source Bank of America applies for approval of ABN LaSalle deal with Federal Reserve Wal-Mart to offer prepaid payment cards Fitch Assigns GATX Corporation IDR of 'BBB'; Outlook Stable Online rating system Avvo puts attorneys in the hot seat Growth in Consumer Credit Slows in April Early returns on Apple TV: It's no iPod Google expands book project ---------------------------------------------------------------
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“Gimme that Wine” Keenan Winery Introduces Solar-Powered Wine Sunday, June 10th, Open House, Viader, Howell Mountain Auction season in Napa Valley Truck topples, spilling 1500 gallons of wine, Alexander Valley “Two Buck Chuck” for 8 percent of all wine sales in California. $7,127,613 NJ wine collector’s collection auctioned off Manischewitz Sparkling Grape Juice Being Recalled Wine Prices by vintage ----------------------------------------------------------------
Calendar Events This Day Best Friends Day Name Your Poison Day National Jelly-Filled Doughnut Day Upsy Daisy Day – World Ocean Day Saint Feast Days
http://www.catholic.org/saints/f_day/jun.php ----------------------------------------------------------------
The biggest pig in recorded history weighed almost one ton. A farm hog can exceed 1,000 pounds, and a young boy recently
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Today's Top Event in History 1867- The birthday of perhaps the greatest American architect Frank Lloyd Wright, born at Richland Center, WI. In his autobiography Wright wrote: “No house should ever be on any hill or on anything. It should be of the hill, belonging to it, so hill and house could live together each the happier for the other.” Wright died at Phoenix, AZ, April 9, 1959. [headlines]
This Day in American History 1670- A Virginia slavery act decreed that slaves who had become Christians before their importation were not liable to lifelong servitude. This law reflected the moral concern felt in America over the enslavement of Christians. Stanley Cup Champions this Date Tampa Bay Lightning NBA Finals Champion This Date 1982 Los Angeles Lakers G MVP 1986 Boston Celtics G MVP -------------------------------------------------------------- Baseball Poem
Nicole Tardiff, 17, is a senior at Lexington High School. This poem was originally published in "2:25 P.M.," a book of poetry and prose from Lexington High School's participation in the Student Publishing Program. Lexington's Student Publishing Program has been selected as one of the top high school writing programs in the country by Web del Sol, the largest nonprofit publisher of periodical contemporary literature in the United States. See http://www.225pm.org for more information about the Student Publishing Program and its free online literary magazine and writing resources -------------------------------------------------------------- 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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