. Comerica's deposit costs are among the lowest of rated US peers owing to its sizeable portion, 55%, of non-interest bearing deposits.
However, this deposit composition, combined with Comerica's largely floating rate loan portfolio, makes it highly asset sensitive and, therefore, dependent on the level of interest rates. As such, the bank's profitability is poised to benefit further from expected interest rate increases in 2018, just as it did in 2017. However, when rates were at historically low levels, Comerica's profitability was constrained by its focus on wholesale lending, which results in approximately 90% of its loan portfolio having floating rate pricing. Net-interest income accounted for 65% of reported net revenue in 2017.
Comerica's satisfactory capital ratios, while below the similarly-rated peer median, have improved in recent years. Its Moody's adjusted tangible common equity to risk-weighted assets ratio was 11.1% at year-end 2017. While Comerica's 2017 CCAR plan shows shareholder payouts in excess of trailing twelve months of net income at 132%, Moody's expects Comerica's improving profitability will result in a lower overall payout ratio. Combined with its modest growth expectations, Moody's expects stability in Comerica's capital metrics in the near-term.
However, the Economic Growth, Regulatory Relief, and Consumer Protection Act, which increases the asset threshold for a bank to be designated a systemically important financial institution (SIFI) to $250 billion of total consolidated assets from $50 billion, would remove Comerica from the Comprehensive Capital Analysis and Review (CCAR) process which could result in higher shareholder returns and lower capital ratios.
Upward pressure would emerge if the bank demonstrated a sustained improvement in capital and a more resilient earnings profile while maintaining its asset quality and liquidity profile.
Downward rating pressure would emerge if Moody's views a negative change in posture towards capital management, credit appetite or liquidity.

I would eliminate unless you were a twig but as you said in your post you are not so I would eliminate it. Remember the look of the board is the last thing you should consider. Like unless you have 2 identical boards looks should not matter. As looks do not help with anything besides passing time in the summer when you can't snowboard. 

Also you will not notice the 2 cm difference between the boards. Unless those 2 cm means it won't fit in your vehicle. Just pick a general size area like stick between 155 and 158 for size. Or something like that. 

If you know you are going to stick with the sport I would just buy the Salomon craft. As it will save money in the long term. As in two years your boots will probably need replacing before your board does. In 2 years the board technology won't change that much and you will know what kind of riding you want to do more. 

The nitro seems like a great groomers board and all but that is about where it limits itself with a fair bit for some pow but any board can ride pow if it's set up right. And flat camber does have it place but it will feel a predictable dead feeling.

Personally I ride my boards to the absolute limit. All the time. I generally get about 110 days a year when I am not In school and my boards survive a lot better then my boots.Jan Butterfield

Jan Butterfield (1937-2000) was an American art writer, teacher and critic. She wrote extensively on twentieth century installation and craft artists, focused on those who worked in California and the American West.
Early life and education.
Butterfield was born Jan Van Alstine in 1937 in Santa Monica, California. She attended the University of California, Los Angeles, and graduated with a degree in Theater Arts.
Career.
Butterfield worked in public relations at the Los Angeles County Museum of Art from its opening in 1965 until 1970.
She then moved to Fort Worth, Texas, where she held a similar position at the Modern Art Museum of Fort Worth. Butterfield also served as the art critic for the "Fort Worth Star Telegram." She began teaching in 1973, and taught at the Northwood Experimental Art Institute in Dallas, Texas, the San Francisco Art Institute, San Jose State University, and Mills College. At the San Francisco Art Institute, she was the director of the extension program and the coordinator for the visiting artist program.
In 1984, Butterfield and artist Sam Francis co-founded the Lapis Press, a studio and publishing house which focused on the work of psychologist Carl Jung, as it related to art theory, and would later be known for its ultraspecialized, limited-edition works. She served as the executive director of Lapis Press from its founding until 1988.
In 1993, Butterfield's book "The Art of Light and Space" was published by Abbefield Press. Based on more than two decades of research, it focused on the Light and Space art movement. A "profusely illustrated, entrancing survey," it investigated "an art that takes shape through the viewer's directed perception." The book profiled Robert Irwin James Turrell, Larry Bell, Maria Nordman, Douglas Wheeler, Bruce Nauman, Eric Orr, DeWain Valentine, Susan Kaiser Vogel, and Hap Tivey.
Her archives are housed at the Archives of American Art at the Smithsonian Institution.
Personal life.
Butterfield was married twice. Her second husband, Henry Hopkins, served as the Museum Director at LACMA, the Museum of Fine Arts, Houston, and the San Francisco Museum of Modern Art. She died in 2000 after an extended illness.PHNOM PENH, CAMBODIA - Media OutReach - 24 November 2022 - Prince Foundation, via a donation by Chen Zhi, Chairman of Prince Holding Group, has contributed US$200,000 to Cambodia Kantha Bopha Foundation (CKF). This will aid the ongoing operations of Kantha Bopha Hospitals, which provide free and quality health care to children in the Kingdom.
Left to Right: Ms. Hon Yan Ting, Mr. Tan Yew Chang, Mr. Gabriel Tan, Mr. Cliff Koh, H.E Ros Seilava, Mr. Yok Samedy, Mrs. Van Achita, Mr. Khean Tourk, Mr. Tum Ra.
During the handover ceremony, Prince Holding Group representatives were given a briefing for the latest developments and progress made with past donations. Kantha Bopha Hospitals help more than 500,000 children in Cambodia every year. The donation will go towards improving the facilities of five children's hospitals, installing modern equipment and purchasing medical supplies. The donation will further support the daily operations of the hospitals.
"The continuous support of our many valued donors has made a big difference in the children's lives in Cambodia. It is our belief that every child should have access to proper healthcare and we are glad that children from all walks of life receive quality treatment at our hospitals," said H.E. Ros Seilava, Secretary of State of Ministry of Economy and Finance and Executive Director of the Cambodia Kantha Bopha Foundation.
"These hospitals have provided a new lease of life to countless children and we are honored to be a part of this extremely worthy cause. Let us all work together towards the building of a safe and harmonious environment for children to grow up in, so they can look forward to the future with hope," said Gabriel Tan, Chief Communications Officer of Prince Holding Group.
Prince Holding Group has been actively supporting Kantha Bopha Hospital since 2015, with donations totaling close to 1 million dollars.
Prince Foundation, the Group's philanthropic arm, is keenly focused on healthcare and youth development, and has improved sanitation at schools in Sihanoukville and launched scholarship programs for undergraduate students. The Foundation regularly interacts with leading non-governmental organizations and seeks opportunities for holistic and measurable impact to build a better future for Cambodia.
Question
Why does my 8 month old seem indifferent to me when I pick her up from the babysitter?
I am very well aware of the attachment theory and I have done everything to try to help my baby be securely attached to me from day 1 -I respond to her every need quickly, am loving, cuddling, talk to her, do baby massages, co-sleep etc. (not saying you have to co-sleep to have a securely attached baby, but just another example of the time she spends with me.) I stayed home with her for 3 months after she was born, after that she went to the babysitter twice a week for just a few hours a day, I was home with her all day for 3 days a week and of course every afternoon/evening the days she went to the sitter. When I pick her up from the sitter she is indifferent when she sees me. No smile, no coos, not much eye contact, no reaching for me.What's going on? Am I doing something wrong? :( I just want her to be securely attached and happy to see me.
Posted: 01/09/2013 by MommaOf2KY
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- Did you get an answer to this? Did things go back to normal? This just started with my 7.5 month old. So sad.
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