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Recent research has highlighted the potential for lake sediment sequences to act as a relatively untapped archive of high-magnitude floods over these longer timescales. Abyssal lake sediments can record past floods in the form of coarser-grained laminations that reflect the capacity for river flows with greater hydrodynamic energy to transport larger particles into the lake. This paper presents a framework for investigating flood stratigraphies in lakes by reviewing the conditioning mechanisms in the lake and catchment, outlining the key analytical techniques used to recover flood records and highlighting the importance of appropriate field site and methodology selection. The processes of sediment movement from watershed to lake bed are complex, meaning relationships between measureable sedimentary characteristics and associated river discharge are not always clear. Stratigraphical palaeoflood records are all affected to some degree by catchment conditioning, fluvial connectivity, sequencing of high flows, delta dynamics as well as within-lake processes including river plume dispersal, sediment focussing, re-suspension and trapping efficiency. With regard to analytical techniques, the potential for direct e. Where these processes are considered and suitable dating control is obtained, discrete historical floods can be identified and characterised using palaeolimnological evidence. We outline a protocol for selecting suitable lakes and coring sites that integrates environmental setting, sediment transfer processes and depositional mechanisms to act as a rapid reference for future research into lacustrine palaeoflood records. We also present an interpretational protocol illustrating the analytical techniques available to palaeoflood researchers. To demonstrate their utility, we review five case studies of palaeoflood reconstructions from lakes in geographically varied regions; these show how lakes of different sizes and geomorphological contexts can produce comprehensive palaeoflood records.

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I sat down to watch “Speed-Dating” without having heard anything about it previously. So I watched it with a clean slate and no expectations. However, I was bored senseless throughout the movie and there weren’t really that many laughs. The story is fairly straight forward though, as you have a group of young people setting up ‘speed-dating‘ events at their club, in order to meet and hook up with women. Sure, sounds plausible enough, but it came off as a weak result. What was one of the more funny things in “Speed-Dating” was the tranny at the event and also the guy who rarely got to sit down and talk with the ladies.

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The bank’s origins date back to with the foundation of Smith’s Bank of Nottingham. Duncan Stirling, outgoing chairman of Westminster Bank, became first chairman of the fifth largest bank in the world. The same banks, excluding Lloyds, were later responsible for the introduction of the Switch debit card later branded Maestro in Deregulation in the s, culminating in the Big Bang in , also encouraged the bank to enter the securities business.

County Bank, its merchant banking subsidiary formed in , acquired various stockbroking and jobbing firms to create the investment banking arm County NatWest. National Westminster Home Loans was established in and other initiatives included the launch of the Piggy Account for children in , the Credit Zone, a flexible overdraft facility on which customers only pay interest now commonplace, this so-called pink debt was innovative when launched and the development of the Mondex electronic purse later sold to MasterCard Worldwide in Under the direction of Robin Leigh-Pemberton , later Lord Kingsdown, who became chairman in , the bank also expanded internationally, forming National Westminster Bancorp in the United States of America with a network of branches across two states, National Westminster Bank of Canada and NatWest Australia Bank; and opening branches on the European continent and in the Far East.

Completed in , the bank built the National Westminster Tower now known as Tower 42 in London to serve as its international headquarters. At a height of feet m it was the tallest building in the UK until the topping-out of Canary Wharf Tower 10 years later; [11] its footprint loosely approximating the bank’s logo when viewed from the air, [12] although the architect claimed the similarity was coincidence.

Controversy[ edit ] The bank’s expansion strategy hit trouble with the stock market crash of and involvement in the financial scandal surrounding the collapse of Blue Arrow. The Department of Trade and Industry report on the affair was critical of the bank’s management and resulted in the resignation of several members of the board, including then chairman Lord Boardman. Investor and shareholder confidence was so badly shaken that the Bank of England had to instruct the board of directors to resist calls for the resignation of its most senior executives in an effort to draw a line under the affair.

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The Bank of Italy served the needs of many immigrants settling in the United States at that time, providing services denied to them by the existing American banks which typically discriminated against them and often denied service to all but the wealthiest. Because San Francisco’s banks were in smoldering ruins and unable to open their vaults, Giannini was able to use the rescued funds to commence lending within a few days of the disaster.

From a makeshift desk consisting of a few planks over two barrels, he lent money to those who wished to rebuild. In another corporation, Bancitaly Corporation, was organized by A. Giannini, the largest stockholder of which was Stockholders Auxiliary Corporation. This company acquired the stocks of various banks located in New York City and certain foreign countries. Monnette and consolidated it with other bank holdings to create what would become the largest banking institution in the country.

Giannini and Monnette headed the resulting company, serving as co-chairs. Its first branch outside San Francisco was established in in San Jose. Giannini sought to build a national bank, expanding into most of the western states as well as into the insurance industry, under the aegis of his holding company, Transamerica Corporation.

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Lawrence River and Gulf of St. Lawrence on a quest for resources such as fur and cod. While some found a peaceful haven, others suffered from isolation and faced seas as beautiful as they were cruel. The following are some key events of this maritime history. He chose Tadoussac from the Innu word Tatouskak for its strategic location near a harbour and at the confluence of the St. Lawrence and Saguenay rivers.

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The “Equivalent Society” became the “Equivalent Company” in , and the new company wished to move into banking. The British government received the request favourably as the “Old Bank”, the Bank of Scotland , was suspected of having Jacobite sympathies. On 31 May , the Royal Bank of Scotland invented the overdraft , which was later considered an innovation in modern banking. Competition with the Bank of Scotland[ edit ] Competition between the Old and New Banks was fierce and centred on the issue of banknotes.

The policy of the Royal Bank was to either drive the Bank of Scotland out of business, or take it over on favourable terms. The Royal Bank built up large holdings of the Bank of Scotland’s notes, which it acquired in exchange for its own notes, then suddenly presented to the Bank of Scotland for payment. To pay these notes, the Bank of Scotland was forced to call in its loans and, in March , to suspend payments.

The suspension relieved the immediate pressure on the Bank of Scotland at the cost of substantial damage to its reputation, and gave the Royal Bank a clear space to expand its own business—although the Royal Bank’s increased note issue also made it more vulnerable to the same tactics. Despite talk of a merger with the Bank of Scotland, the Royal Bank did not possess the wherewithal to complete the deal.

By September , the Bank of Scotland was able to start redeeming its notes again, with interest, and in March , it resumed lending. To prevent similar attacks in the future, the Bank of Scotland put an “option clause” on its notes, giving it the right to make the notes interest-bearing while delaying payment for six months; the Royal Bank followed suit.

Both banks eventually decided that the policy they had followed was mutually self-destructive and a truce was arranged, but it still took until before the two banks agreed to accept each other’s notes. Scottish expansion[ edit ] The bank opened its first branch office outside Edinburgh in when it opened one in Glasgow , in part of a draper’s shop in the High Street.

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It is the second largest bank holding company in the United States by assets. In , Forbes listed Bank of America as the eleventh largest company in the world. Its Consumer Real Estate Services segment offers consumer real estate products comprising fixed and adjustable-rate first-lien mortgage loans for home purchase and refinancing needs, home equity lines of credit, and home equity loans.

It has a retail banking footprint that serves approximately 50 million consumer and small business relationships at 5, banking centers and 16, automated teller machines ATMs.

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Gradziel 1 Introduction An adaptation to harsh climates combined with an ability to develop a deep and extensive root system has allowed cultivated and wild almond to exploit a wide variety of ecological niches in its ancestral range in central Asia extending from the Takla Makan desert in western China to the Mediterranean Kester et al. Almond is also well adapted to mild winter and dry, hot summer conditions due to its low chilling requirement for early bloom, rapid early shoot growth, and high tolerance to summer heat and drought.

It is the earliest temperate tree crop to bloom, which limits production to areas relatively free from spring frosts.

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The Bank of Italy served the needs of many immigrants settling in the United States at that time, a service denied to them by the existing American banks who were typically discriminatory and often denied service to all but the wealthiest. Because San Francisco’s banks were in smoldering ruins and unable to open their vaults, Giannini was able to use the rescued funds to commence lending within a few days of the disaster.

From a makeshift desk consisting of a few planks over two barrels, he lent money to those who wished to rebuild. Monnette and consolidated it with other bank holdings to create what would become the largest banking institution in the country. Bank of Italy was renamed on November 3, , calling it Bank of America National Trust and Savings Association, which was the only such designated bank in the nation at that time.

The resulting company was headed by Giannini and serving as co-Chairs. Its first branch outside San Francisco was established in in San Jose. Giannini sought to build a national bank, expanding into most of the western states as well as into the insurance industry, under the aegis of his holding company, Transamerica Corporation. In , regulators succeeded in forcing the separation of Transamerica Corporation and Bank of America under the Clayton Antitrust Act.

Bank of America and Transamerica were separated, with the latter company continuing in the insurance business.

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