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Just cover it with a hat! However the experiences in Shadowmoon didn't really seem to matter later on and the flow kind of petered off for me. It was a nice mix of . Which was more information on the Draenei. We got a little at least. But really I feel like too much of the content boiled down to ! I've heard you're amazing but I'm going to order you around. Please double-check the big list of all pop culture references in Warcraft. List of pop culture references in Warcraft/WoW. Island of Doctor Lapidis is a. On the WoW map you can see two islands out in the sea west of STV. This is one of them, Doctor Lapidis Island. The islands can only be found on the Alpha. Island of Doctor Lapidis is an island in the South Seas off the coast of Stranglethorn Vale. The Island of Doctor Lapidis was removed from the official release of WoW, yet until patch 4.0.1a. I was able to see this island in patch 3.3.5. Please go take care of (insert orc related problem here). Where it was about the inhabitants of Draenor and gave us a little insight as to who they were. Mop was obvious athene told us that long time ago in patch 4.0 Emerald dream will be. Kul'Trias, Crestfall, Zul'Dare, Island of Doctor Lapidis, Gillijim's. There is however an item named after the island called Lapidis Tankard of Tidesippe. This island and Gillijim. I wish Nagrand was more about the ogres and maybe gave us a nice reason to fight the ogres. Instead we get to see Thrall show off and we hunt some beasts. I still enjoyed it, but its not the kind of enjoyment I look back on and think was perfect. It also doesn't feel like it was so good that it warranted losing too much. Railworks 3 Train Simulator 2. Gameadmin its says login to steam plz help i really want to play the game plzzz. Download Airport Simulator 2014 Full Version PC Game Through Direct Download Links Without Surveys, Re-directions and Disturbing Ads. For Full Version PC Gam. 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Someone with little knowledge of the project may look at it and have questions. Design the presentation with this in mind. VAMP Virtual Astronomy Multimedia Project. Astronomy Visualization Metadata Standard. Intended Scope of the AVMMetadata Management. AVM Tagging Tool CSV to AVM tagging script. Users Guide. AVM Adobe Metadata Panels. Examples of Tagged Images. Chandra's Pinpoint WCS1. Intended Scope of the AVMThe astronomical education and public outreach (EPO) community plays a key role in conveying the results of scientific research to the general public. A key product of EPO development is a variety of non- scientific public image resources, both derived from scientific observations and created as artistic visualizations of scientific results. This refers to general image formats such as JPEG, TIFF, PNG, GIF, not scientific FITS datasets. Such resources are currently scattered across the internet in a variety of galleries and archives, but are not searchable in any coherent or unified way. Just as Virtual Observatory (VO) standards open up all data archives to a common query engine, the EPO community will benefit greatly from a similar mechanism for image search and retrieval. Existing metadata standards for the Virtual Observatory are tailored to the management of research datasets and only cover EPO resources (like publication quality imagery) at the “collection” level and are thus insufficient for the needs of the EPO community. The primary focus of the AVM is on print- ready and screen ready astronomical imagery, which has been rendered from telescopic observations (also known as “pretty pictures”). Such images can combine data acquired at different wavebands and from different observatories. Specifically, the most general subset of this schema is also appropriate for describing artwork and illustrations of astronomical subject matter. This is covered in some detail in later sections. The intended users of astronomical imagery cover a broad variety of fields: educators, students, journalists, enthusiasts, and scientists. Metadata Management. Managed by: Virtual Astronomy Multimedia Project, Metadata Work Package (Robert Hurt) These documents define metadata tags that describe the Astronomy Visualization Metadata (AVM). This metadata schema has been developed within the framework of the IAU Virtual Astronomy Multimedia Project (VAMP). Current version. AVM Standard v. Release Candidate 1. Previous AVM Versions AVM Standard (Version 1. The IVOA note for Version 1. September 2. 00. 6 (Retired December 2. Astronomical Outreach Metadata): http: //www. Documents/latest/AOIMetadata. AVM Version 1. 0 PDF: AOI Metadata Tags for the Virtual Observatory (PDF). AVM Tagging Tool(November 2. The alpha version of the AVM Tagging Tool is now online! This web form will create an XMP formatted XML file of the AVM tags. This file can then be imported to Adobe Photoshop or Bridge to attach the metadata to the image via the XMP standard. Without the panels, you will not be able to review the tags from within the program(s). Go to the AVM Tagging Tool. This tool works best with Mozilla Firefox or Safari. Please see the Users Guide for directions on using our initial version of the AVM Tagging Tool. If you would like to help with development of the AVM Tagging Tool, please contact Adrienne (agauthier@as. Our wish list for functionality for future versions of the AVM- TT includes: Subject. Category widget to auto- generate letter/number codes based off a collapsable hierarchy/taxonomy menu where the user navigates quickly and can click checkboxes to choose tags. The functionality/look& feel would be similiar to the Subject. Category generator in FITS Liberator. Ability for users to create accounts and upload/store XMP templates to the tool for automated fill- in of common tags to sets of images. Method for uploading an image and attaching the XML/XMP file to the header information without using Adobe Photoshop or Bridge (or some other free tool). Widget to read/interpret FITS headers from Astrometry. WCS fields. CSV to AVM tagging script. The . zip file below contains php scripts that converts from a text file in comma separated format (csv) to xmp output that can be imported in Adobe Bridge (image by image) and . Adobe Metadata Panels. Adobe CS4 Beta Panels (Updated May 2. AVM Adobe CS4 Metadata Panels. These are beta panels for Adobe CS4 applications. Example of Tagged Images. Instructions: Download image. Open in Photoshop. Look at File Info and scroll through various menus. Compare with Appendix D of current AVM Document to see XMP output file. Example files with XMP (AVM 1. NASA/ESA Hubble Space Telescope. Chandra X- Ray Observatory. Spitzer Space Telescope. Example JPEG files with XMP (AVM 1. Chandra's Pinpoint WCSThis software simplifies retrieval of world coordinate system (WCS) data from FITS images for outreach astronomy images. Desktop planetarium packages aware of these data can intelligently position astronomical images on the digital sky lending a unique context to the outreach image. Read more on Git. Hub: https: //github. Cheat Sheets for Developers. Collection of free reference cards and cheat sheets for developers. Robot Check. Enter the characters you see below. Sorry, we just need to make sure you're not a robot. Ghost ship star trek the next generation 1 PDF ghost ship star trek the next generation ser no 1 PDF ghost ship the confederate raider alabama PDF. Federation starship classes. 41,249 pages on this wiki. Survey ship/Transport/Freighter/Science vessel. 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Franchising - Wikipedia, the free encyclopedia. Franchising is the practice of the right to use a firm's business model and brand for a prescribed period of time. The franchisor's success depends on the success of the franchisees. The franchisee is said to have a greater incentive than a direct employee because they have a direct stake in the business. Thirty- three countries. Nevertheless, the rudiments of modem franchising date back to the Middle Ages when the Catholic Church made franchise- like agreements with tax collectors, who retained a percentage of the money they collected and turned the rest over to the church. The practice ended around 1. For example, in 1. England franchisees were granted the right to sponsor markets and fairs or operate ferries. There was little growth in franchising, though, until the mid- 1. United States for the first time. One of the first successful American franchising operations was started by an enterprising druggist named John S. In 1. 88. 6, he concocted a beverage comprising sugar, molasses, spices, and cocaine (which is no longer an ingredient). Pemberton licensed selected people to bottle and sell the drink, which is now known as Coca- Cola. His was one of the earliest. The operation failed, though, because the company did not earn much money even though the machines sold well. The dealers, who had exclusive rights to their territories, absorbed most of the profits because of deep discounts. Some failed to push Singer products, so competitors were able to outsell the company. Under the existing contract, Singer could neither withdraw rights granted to franchisees nor send in its own salaried representatives. So, the company started repurchasing the rights it had sold. The experiment proved to be a failure. That may have been one of the first times a franchisor failed, but it was by no means the last. For example, several decades later, General Motors Corporation established a somewhat successful franchising operation in order to raise capital. Perhaps the father of modern franchising, though, is David Liggett. In 1. 90. 2, Liggett invited a group of druggists to join a . His idea was to market private label products. About 4. 0 druggists pooled $4,0. The chain's success set a pattern for other franchisors to follow. Although many business owners did affiliate with cooperative ventures of one type or another, there was little growth in franchising until the early 2. As the United States shifted from an agricultural to an industrial economy, manufacturers licensed individuals to sell automobiles, trucks, gasoline, beverages, and a variety of other products. The franchisees did little more than sell the products, though. The sharing of responsibility associated with contemporary franchising arrangement did not exist to any great extent. Consequently, franchising was not a growth industry in the United States. It was not until the 1. The concept intrigued people with entrepreneurial spirit. However, there were serious pitfalls for investors, which almost ended the practice before it became truly popular. Largest franchised chains. As of 2. 00. 5, there were 9. This amounts to 1. Mini. Markets (convenience store and gas station) . These three fees may be combined in a single 'management' fee. One franchisee may manage several such locations. Agreements typically last from five to thirty years, with premature cancellations or terminations of most contracts bearing serious consequences for franchisees. A franchise is merely a temporary business investment involving renting or leasing an opportunity, not the purchase of a business for the purpose of ownership. It is classified as a wasting asset due to the finite term of the license. Franchise fees are on average 6. Therefore, franchisor fees are typically based on . See remuneration. Various tangibles and intangibles such as national or international advertising, training and other support services are commonly made available by the franchisor. Franchise brokers help franchisors find appropriate franchisees. After the brand and formula are carefully designed and properly executed, franchisors are able to sell franchises and expand rapidly across countries and continents using the capital and resources of their franchisees while reducing their own risk. There is also risk for the people that are buying the franchises; failure rates are higher for franchise businesses than independent business startups. Some franchisors are using minor rule violations to terminate contracts and seize the franchise without any reimbursement. The franchisor is involved in securing protection for the trademark, controlling the business concept and securing know- how. The franchisee is obligated to carry out the services for which the trademark has been made prominent or famous. There is a great deal of standardization required. The place of service has to bear the franchisor's signs, logos and trademark in a prominent place. The uniforms worn by the staff of the franchisee have to be of a particular design and color. The service has to be in accordance with the pattern followed by the franchisor in the successful franchise operations. Thus, franchisees are not in full control of the business, as they would be in retailing. A service can be successful if equipment and supplies are purchased at a fair price from the franchisor or sources recommended by the franchisor. A coffee brew, for example, can be readily identified by the trademark if its raw materials come from a particular supplier. If the franchisor requires purchase from his stores, it may come under anti- trust legislation or equivalent laws of other countries. The fees must be fully disclosed and there should not be any hidden fees. The start- up costs and working capital must be known before the license is granted. There must be assurance that additional licensees will not crowd the . The franchisee must be seen as an independent merchant. It must be protected by the franchisor from any trademark infringement by third parties. A franchise attorney is required to assist the franchisee during negotiations. The training period must be adequate, but in low- cost franchises it may be considered expensive. Many franchisors have set up corporate universities to train staff online. This is in addition to providing literature, sales documents and email access. Also, franchise agreements carry no guarantees or warranties and the franchisee has little or no recourse to legal intervention in the event of a dispute. Contracts are renewable at the sole option of the franchisor. Most franchisors require franchisees to sign agreements that mandate where and under what law any dispute would be litigated. Regulations. The new Code applies to conduct on or after 1 January 2. The new Code: introduces an obligation under the Code for parties to act in good faith in their dealings with one anotherintroduces financial penalties and infringement notices for serious breaches of the Coderequires franchisors to provide prospective franchisees with a short information sheet outlining the risks and rewards of franchisingrequires franchisors to provide greater transparency in the use of and accounting for money used for marketing and advertising and to set up a separate marketing fund for marketing and advertising feesrequires additional disclosure about the ability of the franchisor and a franchisee to sell onlineprohibits franchisors from imposing significant capital expenditure except in limited circumstances. These are significant changes and it is important that franchisors, franchisees and potential franchises understand their rights and responsibilities under the Code. For further information about the changes to the Code, please see the updated Franchisor Compliance Manual and the Franchisee Manual. The Code explanatory materials are available from the Com. Law website (link is external). Despite (or because of) the recession, the total number of franchised units increased by 5. This functions very well in New Zealand and includes law as it applies to contracts, restrictive trade practices, intellectual property and the law of misleading or deceptive conduct. This contains many provisions similar to those of the Australian Franchising Code of Practice legislation, although only around a third of all franchises are members of the association and therefore bound by the code. Around 1. 1 percent of this total were foreign- based franchisors. The Brazilian Franchise Law (Law No. December 1. 5, 1. Failure to disclose voids the agreement, which leads to refunds and serious payments for damages. The Franchise Law does not distinguish between Brazilian and foreign franchisors. The National Institute of Industrial Property (INPI) is the registering authority. Indispensable documents are a Statement of Delivery (of disclosure documentation) and a Certification of Recording (INPI). The latter is necessary for payments. All sums may not be convertible into foreign currency. Certification may also mean compliance with Brazil's antitrust legislation. Parties to international franchising may decide to adopt the English language for the document, as long as the Brazilian party knows English fluently and expressly acknowledges that fact, to avoid translation. The registration accomplishes three things: * It make the agreement effective against third parties* It permits the remittance of payments* It qualifies the franchisee for tax deductions. China has the most franchises in the world but the scale of their operations is relatively small. Each system in China has an average of 4. United States. Together, there are 2. KFC was the most significant foreign entry in 1. For example, Mc. Donald's is a joint venture. Pizza Hut, TGIF, Wal- mart, Starbucks followed a little later. But total franchising is only 3% of retail trade, which seeks foreign franchise growth. The year 2. 00. 5 saw the birth of an updated franchise law. Today the franchise law is much clearer by virtue of the 2. The law comprises 4. Business Model Canvas – Development Impact and You. To make a Business Model Canvas, the easiest way to start is by filling out what you do. This helps keep the focus on your main goal as you fill out the other building blocks of the canvas. 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In 1. 84. 9 a new rival, John Warren Butterfield, founder of Butterfield, Wasson & Company, entered the express business. Butterfield, Wells and Fargo soon realized that their competition was destructive and wasteful, and in 1. American Express Company. Soon after the new company was formed, Wells, the first president of American Express, and Fargo, its vice- president, proposed expanding their business to California. Fearing that American Express's most powerful rival, Adams and Company (later renamed Adams Express Company), would acquire a monopoly in the West, the majority of the American Express Company's directors balked. Undaunted, Wells and Fargo decided to start their own business while continuing to fulfill their responsibilities as officers and directors of American Express. The original board of directors comprised Wells, Fargo, Johnston Livingston, Elijah P. Morgan, James Mc. Kay, Alpheus Reynolds, Alexander M. C. Of these, Wells, Fargo, Livingston and Mc. Kay were also on the board of American Express. Morgan of Aurora, Cayuga County, New York, was appointed Wells Fargo's first president. They commenced business May 2. The New York Times. The company's arrival in San Francisco was announced in the Alta California of July 3, 1. The immediate challenge facing Morgan and Danford N. Barney, who became president in November 1. At the time, California regulated neither the banking nor the express industry, so both fields were wide open. Anyone with a wagon and team of horses could open an express company; and all it took to open a bank was a safe and a room to keep it in. Because of its comparatively late entry into the California market, Wells Fargo faced well- established competition in both fields. From the beginning, the fledgling company offered diverse and mutually supportive services: general forwarding and commissions; buying and selling of gold dust, bullion, and specie (or coin); and freight service between New York and California. Under Morgan's and Barney's direction, express and banking offices were quickly established in key communities bordering the gold fields, and a network of freight and messenger routes was soon in place throughout California. Barney's policy of subcontracting express services to established companies, rather than duplicating existing services, was a key factor in Wells Fargo's early success. Mail service. Wells Fargo & Co. Express building circa 1. Stockton, CA. Wells Fargo & Co. A bank run on Page, Bacon & Company, a San Francisco bank, began when the collapse of its St. Louis, Missouri parent was made public. The run soon spread to other major financial institutions all of which, including Wells Fargo, were forced to close their doors. The following Tuesday, Wells Fargo reopened in sound condition, despite a loss of one- third of its net worth. Wells Fargo was one of the few financial and express companies to survive the panic, partly because it kept sufficient assets on hand to meet customers' demands rather than transferring all its assets to New York. First, it faced virtually no competition in the banking and express business in California after the crisis; second, Wells Fargo attained a reputation for dependability and soundness. From 1. 85. 5 through 1. Wells Fargo expanded rapidly, becoming the West's all- purpose business, communications, and transportation agent. Under Barney's direction, the company developed its own stagecoach business, helped start and then took over Butterfield Overland Mail, and participated in the Pony Express. This period culminated with the 'grand consolidation' of 1. Wells Fargo consolidated the ownership and operation of the entire overland mail route from the Missouri River to the Pacific Ocean and many stagecoach lines in the western states. In its early days, Wells Fargo participated in the staging business to support its banking and express businesses. But the character of Wells Fargo's participation changed when it helped start the Overland Mail Company. Overland Mail was organized in 1. John Butterfield, the third founder of American Express, was made Overland Mail's president. In 1. 85. 8 Overland Mail was awarded a government contract to carry United States Postal Service mail over the southern overland route from Memphis and St. As Overland Mail's indebtedness to Wells Fargo climbed, Wells Fargo became increasingly disenchanted with Butterfield's management strategy. In March 1. 86. 0, Wells Fargo threatened foreclosure. As a compromise, Butterfield resigned as president of Overland Mail, and control of the company passed to Wells Fargo. Russell, Majors and Waddell launched the privately owned and operated Pony Express. By the end of 1. 86. Pony Express was in deep financial trouble; its fees did not cover its costs and, without government subsidies and lucrative mail contracts, it could not make up the difference. After Overland Mail, by then controlled by Wells Fargo, was awarded a $1 million government contract in early 1. American Civil War had forced the discontinuation of the southern line), Wells Fargo took over the western portion of the Pony Express route from Salt Lake City, Utah to San Francisco. Russell, Majors & Waddell continued to operate the eastern leg from Salt Lake City to St. Joseph, Missouri, under subcontract. Overland mail and express services were continued, however, by the coordinated efforts of several companies. From 1. 86. 2 to 1. Wells Fargo operated a private express line between San Francisco and Virginia City, Nevada; Overland Mail stagecoaches covered the Central Nevada Route from Carson City, Nevada, to Salt Lake City; and Ben Holladay, who had acquired the business of Russell, Majors & Waddell, ran a stagecoach line from Salt Lake City to Missouri. The Salt Lake Daily Telegraph (Utah Territory)By 1. Holladay had built a staging empire with lines in eight western states and was challenging Wells Fargo's supremacy in the West. A showdown between the two transportation giants in late 1. Wells Fargo's purchase of Holladay's operations. The 'grand consolidation' spawned a new enterprise that operated under the Wells Fargo name and combined the Wells Fargo, Holladay, and Overland Mail lines and became the undisputed stagecoach leader. Barney resigned as president of Wells Fargo to devote more time to his own business, the United States Express Company; Louis Mc. Lane replaced him when the merger was completed on November 1, 1. Although the Central Pacific Railroad, already operating over the Sierra Mountains to Reno, Nevada, carried Wells Fargo's express, the company did not have an exclusive contract. Moreover, the Union Pacific Railroad was encroaching on the territory served by Wells Fargo stagelines. Barney, Danforth Barney's brother and cofounder of United States Express Company, replaced Mc. Lane as president in 1. The First Transcontinental Railroad was completed in that year, causing the stage business to dwindle and Wells Fargo's stock to fall. The Tevis group also started buying up Wells Fargo stock at its sharply reduced price. On October 4, 1. 86. William Fargo, his brother Charles, and Ashbel Barney met with Tevis and his associates in Omaha, Nebraska. There Wells Fargo agreed to buy the Pacific Union Express Company at a much- inflated price and received exclusive express rights for ten years on the Central Pacific Railroad and a much needed infusion of capital. All of this, however, came at a price: control of Wells Fargo shifted to Tevis. Lloyd Tevis replaced Fargo as president of Wells Fargo. July 6, 1. 87. 0The company expanded rapidly under Tevis' management. The number of banking and express offices grew from 4. During this period, Wells Fargo also established the first Transcontinental Express line, using more than a dozen railroads. The company first gained access to the lucrative East Coast markets beginning in 1. California; had opened branch banks in Virginia City, Carson City, and Salt Lake City, Utah by 1. New York City by 1. In 1. 88. 5 Wells Fargo also began selling money orders. Valentine, Sr., a long time Wells Fargo employee, was made president of the company. In 1. 87. 6 the locations were separated, with the banking department moving to a building at the northeast corner of California and Sansome Streets. The bank moved in 1. Sansome and Market Streets, where it remained until 1. Hellman's Nevada Bank in 1. Salt Lake City Bank was sold to the Walker Brothers there in 1. The New York City branch remained until the Wells Fargo & Company bank merged with Hellman's bank in 1. Harriman, a prominent financier and dominant figure in Southern Pacific Railroad and Union Pacific Railroad, had gained control of Wells Fargo. Harriman reached an agreement with Isaias W. Hellman, a Los Angeles banker, to merge Wells Fargo's bank with the Nevada National Bank, founded in 1. Nevada silver moguls James Graham Fair, James Cair Flood, John William Mackay, and William S. O'Brien, to form the Wells Fargo Nevada National Bank. Hellman, president; Isaias W. Bigelow, vice presidents; Frederick L. Lipman, cashier; Frank B. King, George Grant, William Mc. Gavin and John E. Miles, assistant cashiers; E. H. Herrin and Dudley Evans, directors. By 1. 90. 6, Levi Strauss had also joined the board. Caldwell was elected president in October 1. Wells Fargo - Wikipedia, the free encyclopedia. An older Wells Fargo branch, located in Berkeley, CA. Wells Fargo's corporate headquarters in San Francisco. Wells Fargo & Company is an American internationalbanking and financial services holding company headquartered in San Francisco, California, with . Wells Fargo is the second largest bank in deposits, home mortgage servicing, and debit cards. The firm's primary U. S. Following the mergers, the company transferred its headquarters to Wells Fargo's headquarters in San Francisco and merged its operating subsidiary with Wells Fargo's operating subsidiary in Sioux Falls. Along with JPMorgan Chase, Bank of America, and Citigroup, Wells Fargo is one of the . Wells Fargo also has around 2,0. Now, in 2. 01. 3 its share is closer to 2. Wells Fargo also provides private student loan consolidation and student loans for parents. Wholesale banking. This includes lending, treasury management, mutual funds, asset- based lending, commercial real estate, corporate and institutional trust services, and capital markets and investment banking services through Wells Fargo Securities. One area that is very profitable to Wells Fargo, however, is asset- based lending: lending to large companies using accounts receivable and inventory as collateral, though less traditional assets are often included in the collateral package. Historically, this type of lending has been done when normal routes of raising funds, such as the Capital Markets or unsecured bank loans, have been exhausted. The main business unit associated with this activity is Wells Fargo Capital Finance. Wells Fargo also owns Eastdil Secured, which is described as a . One venture is Wells Fargo Rail, which in 2. GE Capital Rail Services and merged in with First Union Rail. Wealth and Investment Management. Louis. Wells Fargo offers investment products through its subsidiaries, Wells Fargo Investments, LLC and Wells Fargo Advisors, LLC, as well as through national broker/dealer firms. Mutual funds are offered under the Wells Fargo Advantage Funds brand name. The company also serves high- net- worth individuals through its private bank and family wealth group. Wells Fargo Advisors is the brokerage subsidiary of Wells Fargo, located in St. It is the third largest brokerage firm in the United States as of the third quarter of 2. The size and financial performance of the group is not disclosed publicly, but analysts believe the investment banking group houses approximately 4,5. By comparison, two of Wells Fargo. Morgan Chase generated approximately $5. This charter was issued to First National Bank of Philadelphia on June 2. Office of the Comptroller of the Currency. Thus, the first charter passed from First National Bank of Philadelphia to Wells Fargo through its 2. Wachovia, which had inherited it through one of its many acquisitions. History. Displays include original stagecoaches, photographs, gold nuggets and mining artifacts, the Pony Express, telegraph equipment and historic bank artifacts. The company also operates a museum about company history in the Pony Express Terminal in Old Sacramento State Historic Park in Sacramento, California, which was the company's second office. Fargo (Mayor of Buffalo, NY from 1. American Express, formed Wells Fargo & Company to provide express and banking services to California. Wells Fargo gained control of Butterfield Overland Mail Company, leading to operation of the western portion of the Pony Express. Railway Express Agency (REA). The government took control of the express company. The bank begins rebuilding but with a focus on commercial markets. After the war, REA is privatized and continues service. Wells Fargo Nevada merged with the Union Trust Company to form the Wells Fargo Bank & Union Trust Company. Northwest Bancorporation was formed as a banking association. Wells Fargo & Union Trust shortened its name to Wells Fargo Bank. Wells Fargo merged with American Trust Company to form the Wells Fargo Bank American Trust Company. Wells Fargo American Trust again shortened its name to Wells Fargo Bank. Wells Fargo converted to a federal banking charter, becoming Wells Fargo Bank, N. A. 1. 96. 9: Wells Fargo & Company holding company was formed, with Wells Fargo Bank as its main subsidiary. Northwest Bancorporation acquires consumer finance firm Dial Finance which is renamed Norwest Financial Service the following year. Northwest Bancorporation is renamed Norwest Corporation. White Eagle, largest U. S. Vest Financial Services for $1. This news came four days after the Federal Deposit Insurance Corporation (FDIC) made moves to have Citigroup buy Wachovia for $2. Citigroup protested Wachovia's agreement to sell itself to Wells Fargo and threatened legal action over the matter. However, the deal with Wells Fargo overwhelmingly won shareholder approval since it valued Wachovia at about seven times what Citigroup offered. To further ensure shareholder approval, Wachovia issued Wells Fargo with preferred stock holding 3. The injunction was overturned late in the evening on October 5, 2. New York state appeals court. Those negotiations failed. Sources say that Citigroup was unwilling to take on more risk than the $4. FDIC- backed deal (with the FDIC incurring all losses over $4. Citigroup did not block the merger, but indicated they would seek damages of $6. Wachovia. Treasury during 2. On May 1. 1, 2. 00. Wells Fargo announced an additional stock offering which was completed on May 1. The remaining $4. Wells Fargo redeemed the $2. US Treasury. As part of the redemption of the preferred stock, Wells Fargo also paid accrued dividends of $1. October 2. 00. 8. Prior to that point, Wells Fargo had little to no participation in investment banking activities, though Wachovia had a well established investment banking practice which it operated under the Wachovia Securities banner. Wachovia's institutional capital markets and investment banking business arose from the merger of Wachovia and First Union. First Union had bought Bowles Hollowell Connor & Co. Prudential Securities, A. G. Environmental Protection Agency's Climate Leaders program, Wells Fargo aims to reduce its absolute greenhouse gas emissions from its U. S. By working together, we can do even more to protect and preserve natural resources for future generations. A Wells Fargo spokesman responded that . Wells Fargo mortgage had an emerging- markets unit that specifically targeted black churches, because it figured church leaders had a lot of influence and could convince congregants to take out subprime loans. And 7. 1 percent of those are in predominantly black neighborhoods. District Judge William Alsup for overdraft practices designed to . This settlement amount makes the NMS the second largest civil settlement in U. S. Oklahoma held out and agreed to settle with the banks separately. On April 5, 2. 01. Wells Fargo to pay $3. It prefers to rely on the ignorance of borrowers or their inability to fund a challenge to its demands, rather than voluntarily relinquish gains obtained through improper accounting methods. The other, began in 2. National Fair Housing Alliance has found . Department of Justice for allegedly discriminating against African- American and Hispanic borrowers from 2. Wells Fargo agreed to pay $1. The suit alleges that Wells Fargo defrauded the Federal Housing Administration (FHA) over the past ten years, underwriting over 1. FHA backed loans when over half did not qualify for the program. This suit is the third allegation levied against Wells Fargo in 2. Also in May, the New York attorney- general, Eric Scheidermann, announced a lawsuit against Wells Fargo over alleged violations of the national mortgage settlement, a $2. US. Schneidermann claimed Wells Fargo had violated rules over giving fair and timely serving. This is illegal according to New York credit card laws. There was a $2 million penalty with the other $2 million going towards restitution to customers. In October 2. 01. Wells Fargo employee earning $1. CEO . After being contacted by the media, Wells Fargo responded that all employees receive . By reducing its holdings to less than 5%, Wells Fargo will no longer be required to disclose some financial dealings with GEO. The Consumer Financial Protection Bureau issued $1. City and County of Los Angeles, and $3. Office of Comptroller of the Currency. It lead to the firing of nearly 5,3. Retrieved 2. 8 December 2. Keller and Katherine Chiglinsky (September 1. Retrieved September 1. Retrieved 2. 4 July 2. Retrieved July 2. Retrieved 2. 8 December 2. The Wall Street Journal. Retrieved April 4, 2. Retrieved April 4, 2. California State Railroad Museum Foundation. Retrieved 2. 4 February 2. San Diego History Center. Retrieved 2. 4 February 2. Fisher (January 1. Vest to be acquired by Internet company Blucora for $5. San Francisco Business Times. Dallas Business Journal. Retrieved February 2, 2. Reuters (Press release). Retrieved October 4, 2. Retrieved October 5, 2. Retrieved October 1. Retrieved January 4, 2. Retrieved February 4, 2. Retrieved December 3. Charlotteobserver. Silicon Valley Business Journal. Retrieved 5 August 2. Retrieved August 5, 2. Retrieved June 1. Retrieved December 3. Bank Accused of Pushing Mortgage Deals on Blacks. Retrieved May 4, 2. Smith, Michael (June 2. Retrieved December 6, 2. Gelles, Jeff (August 1. The Philadelphia Inquirer. Retrieved August 1. Retrieved 1. 5 June 2. Retrieved December 2. Retrieved December 2. Retrieved December 2. Associated Press and the Express. Department of Justice Regarding Mortgages. Retrieved August 1. Sues Wells Fargo for Faulty Mortgages. The Wall Street Journal. Retrieved October 1. Accuses Bank of America of a 'Brazen' Mortgage Fraud. Retrieved October 2. Property Casualty 3. Retrieved 5 February 2. Corporations Paid More to Lobby Congress Than Income Taxes, 2. International Business Times. Archived from the original on 2. December 2. 01. 1. Retrieved 2. 6 December 2. Corporations That Pay The Highest Taxes. Dolan (November 1. Archived from the original on 2. Retrieved November 8, 2. COLLEGE SEXUAL ASSAULT PROGRAMS THAT HAVE BEEN. COLLEGE SEXUAL ASSAULT PROGRAMS THAT HAVE BEEN EVALUATED. Similar to other relationship violence intervention/ prevention programs (e.g., dating violence), college sexual.Prevention and Intervention of Teen Dating Violence. During the preteen and teen years, young people are learning the skills they need to form positive, healthy relationships with others. This is an ideal time to promote healthy relationships and prevent patterns of relationship violence that can last into adulthood. Most programs focus on changing knowledge, attitudes and behaviors linked with dating violence while focusing on the skills needed to build healthy relationships. Effective School Level Interventions. In one rigorous NIJ- funded study, school- level interventions in 3. Police-reported dating violence in Canada, 2008. Dating violence involving female victims more likely to lead to charges. Dating Violence Background Dating violence occurs when one partner attempts to maintain power and control over the other through one or more forms of abuse, including sexual, physical, verbal and emotional abuse. 3 CREATING AN INSTITUTIONAL DATING ABUSE PREVENTION PROGRAM As part of a comprehensive approach to health and safety, Love Is Not Abuse can be a springboard to starting dating abuse prevention programs. Dating and Domestic Violence on College Campuses. This article has been archived. It is still available for reference purposes, but may contain out of date information. 32% experienced dating violence by a pervious partner. Claremont Colleges Scholarship @ Claremont CMC Senior Theses CMC Student Scholarship 2010 Latino Teens at Risk: The Effectiveness of Dating Violence Prevention Programs Ruth N. Calvillo Claremont McKenna College This Open. Dating violence can happen to any teen regardless of gender, race, socio-economic status, or whether or not they have experience with dating. Rutgers-Violence Prevention and Victim Assistance. Facts about Dating/Domestic Violence. Dating violence among college students: key issues for college counselors. New York City public middle schools reduced dating violence by up to 5. Classroom- level interventions were delivered in six sessions, using a curriculum emphasizing the consequences for perpetrators, state laws and penalties, the construction of gender roles, and healthy relationships. School- level interventions included the use of temporary school- based restraining orders, higher levels of faculty and security presence in . Researchers found that, compared with the control group who received no intervention, students who received the school- level intervention or both the school- and classroom- level interventions experienced reduced levels of dating violence and sexual harassment. The researchers noted that the classroom- level intervention alone was not effective in improving these outcomes. In addition, students in the school- level intervention were more likely to intend to intervene as bystanders if they witnessed abusive behavior between their peers. These findings are important in several ways: This is one of the first studies to document the effectiveness of such prevention programs among middle school students. Given the large size of the study (with more than 2,5. The success of the school- level intervention is particularly important because it can be implemented with very few extra costs to schools. See the curriculum evaluated in this study, Shifting Boundaries: Lessons on Relationships for Students in Middle School (pdf, 6. Family- Based Interventions for High- Risk Youth. Youth exposed to domestic violence are at increased risk to be both a victim and perpetrator of dating violence. To help fill the gap, NIJ funded an effort to adapt the successes of an existing evidence- based program, Families for Safe Dates, so it would be applicable to teens who are exposed to domestic violence. To adapt Families for Safe Dates for teens exposed to domestic violence, the researcher recruited 2. To be eligible, women had to have been victims of domestic violence but no longer living with their partners and to have a child 1. The researchers adjusted the protocol recruitment strategies, data collection procedures, measures, and program administration, and eliminated the follow- up calls from the health educator. They also determined that the intervention was reaching the high- risk group: teens who had been exposed to an average of seven years of domestic violence and had high rates of dating violence compared with national averages. These teens also had high rates of exposure to bullying, sexual harassment and peer aggression, as both victims and perpetrators. Overall, the mothers and youth reported that they enjoyed the booklets and found them helpful and informative. Given low rates of booklet completion and follow- up, however, the researchers could not decisively determine what effects the booklet had. The pilot study was instrumental in guiding the development, refinement and implementation of a larger, ongoing efficacy trial of the intervention that is being funded by the Centers for Disease Control and Prevention (CDC). Read the final technical report Dating Abuse Prevention in Teens of Moms with Domestic Violence Protection Orders (pdf, 4. Learn more about the. CDC's Randomized Efficacy Trial of Moms and Teens for Safe Dates. Group- Based Interventions for High- Risk Youth. Adolescents who are maltreated and become involved in the child welfare system are at risk for being revictimized by romantic partners. The study focused on girls because they sometimes face more serious consequences of dating violence (e. The girls were assigned randomly to receive one of two curriculums: A group of 6. A group of 6. 7 girls participated in a risk detection/executive functioning curriculum designed to improve their ability to recognize and maintain attention to environmental danger cues, recognize different emotions and know how to respond in risky relational situations. A third group of 4. Overall, the girls reported positive experiences about participating in a curriculum. The study found no significant differences in revictimization rates for girls who completed the social learning/feminist curriculum compared with those who completed the risk detection/executive functioning curriculum. In addition, compared with girls who did not participate in a curriculum, the odds of not being revictimized (sexually or physically) were two to five times greater for girls who received the risk detection/executive functioning or social learning curriculum. The study suggests that high- risk girls can successfully participate in and benefit from relational programming. Read an abstract and access the final report. Preventing Revictimization in Teen Dating Relationships. Stein, Dan Woods, and Elizabeth Mumford. Shifting Boundaries: Final Report on an Experimental Evaluation of a Youth Dating Violence Prevention Program in New York City Middle Schools (pdf, 3. Final report submitted to the National Institute of Justice, grant number 2. MU- MU- 0. 01. 0, October 2. NCJ 2. 36. 17. 5. Mc. Keown, Maureen Sanderson, Keith E. |
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