Tuesday, July 31, 2012

Aaron's COO Ken Butler Honored with Retail ... - Franchising.com

ATLANTA, July 27, 2012 // PRNewswire // -- The Association of Progressive Rental Organizations (APRO) has announced that William Kenneth (Ken) Butler, Jr., Aaron's, Inc. Chief Operating Officer, is the 2012 recipient of the Ernie Tally Lifetime Achievement Award.

This annual distinction given by APRO, a nonprofit trade association that serves as the international voice for the rent-to-own industry, was presented last night during the 2012 APRO Convention and Trade Show in Memphis. According to APRO president Robert O. Briley, Butler was chosen as this year's honoree for his exemplary career that spans nearly four decades.

"Lifetime achievement recognizes the top of our class, and Ken has certainly proven himself as a deserving recipient of this award," Briley said. "During his 38-year career with Aaron's, he has revolutionized the way our industry does business. He has been the face and voice of the company, connecting with everyone at the store level up to the corporate executive team. He is open, down-to-earth and approachable, and knows how to maintain that perfect balance between being motivating and challenging. Ken is an excellent example of someone who has worked his way up through the ranks of a company to become a driving force behind that company's success. Aaron's is lucky to have Ken as one of its leaders and our industry is better as a result of the work he's done. Congratulations to Aaron's and especially to Ken for this outstanding achievement."

Aaron's CEO Ronald W. Allen said, "We are extremely proud that one of Aaron's own has earned our industry's highest honor of the year. Our founder, Charlie Loudermilk, received this award four years ago for being a pioneer in the business, and it's only fitting that Ken should follow in his footsteps. He has been instrumental over the last four decades in shaping our company into what it is today. His passion and perseverance is unwavering, and he continues to set an excellent example for each of our 12,000 associates. On behalf of Aaron's, thank you Ken for your contributions to this company and for being a cornerstone of the foundation on which we grow and thrive."

Butler began his career with Aaron's in January 1974. Shortly after, he was promoted to store manager ? the youngest in the company's history. He continued to work his way up through the company and was named chief operating officer in 2008. During his tenure with Aaron's, Butler influenced the evolution of the rental ownership model from weekly to monthly, resulting in Aaron's unique distinction in the industry and its standing as a leading national retailer.

About Aaron's, Inc.

Aaron's, Inc. (NYSE: AAN), the nation's leader in the sales and lease ownership and specialty retailing of residential furniture, consumer electronics, home appliances and accessories, has more than 1,985 Company-operated and franchised stores in 48 states and Canada. Founded in 1955 by entrepreneur and current Chairman R. Charles Loudermilk, Sr. and headquartered in Atlanta, Aaron's has been publicly traded since 1982. For more information, visit www.aarons.com.

SOURCE Aaron's, Inc.

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North Carolina: GOP Poll Shows Mike McIntyre With Small Lead, Well Under 50 Percent

North Carolina: GOP Poll Shows Mike McIntyre With Small Lead, Well Under 50 Percent

Rep. Mike McIntyre (left) is among the most vulnerable House Democrats this cycle. (Douglas Graham/CQ Roll Call File Photo)

Vulnerable North Carolina Rep. Mike McIntyre (D) had a slight edge over state Sen. David Rouzer, his Republican opponent, according to a new poll conducted by the Rouzer campaign.

In a matchup among likely voters in the reconfigured 7th district, McIntyre pulled 44 percent to Rouzer?s 40 percent. Fifteen percent were undecided.

Redistricting made the 7th significantly more favorable to Republicans and made McIntyre one of the more vulnerable incumbents in the House.

In a sign of the hill McIntyre will have to climb to keep his seat, Mitt Romney topped Barack Obama by a whopping 17 points in the redrawn district. The president got 36 percent to Romney?s 53 percent in the poll, conducted by respected GOP firm Public Opinion Strategies.

Eighty-one percent of those polled disapprove of the job Congress is doing, a boon to GOP chances if Rouzer can tap into that anti-incumbent sentiment.

The poll of 400 likely voters was conducted by live telephone interview and was in the field July 22-23. It had a margin of error of 4.9 points.

Read the polling memo here:

Source: http://www.rollcall.com/news/north_carolina_gop_poll_shows_mike_mcintyre_with_small_lead_well_under_50-216547-1.html

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Free Legal Question: Criminal Law | Florida | My self and 3 other ...

My self and 3 other employees were terminated by a bank the day after a robbery. One of these employees was questioned as an accomplish. Now it is 1 1/2 years later and the police are close to proving this employee guilty. What is the bank's liability to the remaining terminated employees?

Source: http://www.lawguru.com/legal-questions/-/-employees-terminated-bank-day-327012077/

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Sunday, July 29, 2012

HBT: 'First 100 games have been s---,' Pedroia says

The Red Sox lost 10-3 in last night?s series opener against the Yankees. It was their second straight loss and their sixth in their last seven. They now sit at 49-51 through the first hundred games of the season and currently find themselves in last place in the American League East.

Via Scott Lauber of the Boston Herald, Dustin Pedroia had a tough time holding back his frustration after the loss.

?The first hundred games have been (expletive),? Pedroia said. ?We?re two games under .500. We?re the Boston Red Sox. If anyone?s thrilled about where we?re at, they need to reevaluate because I don?t like losing. I know everyone else doesn?t like losing. We?ve got to play better, man.?

Pedroia was particularly perturbed by the team?s approach in the top of the eighth inning. Yankees set-up man David Robertson made it through the frame in just nine pitches, which included ground outs by Jacoby Ellsbury and Carl Crawford, a two-out single by Pedroia and a ground out by Adrian Gonzalez.

?Late in the game, they extended themselves from us. That?s what great teams do,? Pedroia said. ?We didn?t do anything. Our at-bats later in the game were not good. Swinging early in the count, you know. Heck, if their eighth-inning guy is going to come in the game, let?s at least get 25-30 pitches so maybe he can?t pitch tomorrow. Do something productive, and we?re not doing that. That?s the sign of not-a-winning team. Those are the little things that we need to do better. It?s frustrating.?

While this is a legitimate criticism on the part of Pedroia, it?s a bit of a surprise to see him single out three of the team?s biggest names. The Red Sox clubhouse just doesn?t sound like a very happy place right now. Still, the brisk pace of the top of the eighth inning likely had Joe West smiling all the way from Texas. Last night?s game finished in?2 hours and 41 minutes, the fastest Yankees-Red Sox game since September 11, 2005.

Source: http://hardballtalk.nbcsports.com/2012/07/28/dustin-pedroia-the-first-hundred-games-have-been-expletive/related/

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The Stock Market Vs Real Estate Investing | Arty Apt

I am usually asked about the stock market vs. real estate buying terms that could be the better investment. Both provide development and income. Real-estate investing has its strengths and so does the stock market. Think about the very best of both worlds?Other compared to the often touted undeniable fact that real estate investing posseses an advantage because ?they?re not making any more of it?, lots of people have felt more relaxed previously possessing real property because it?s real. The stock market isn?t. Real estate investing typically takes the shape of shopping for home, letting it out, and coping with preservation and tenants. The requirement for effective management and the truth that real property is not liquid (easy to sell quickly without significant expense) are its disadvantages.On the other hand real estate investing has traditionally had one massive advantage named FINANCIAL LEVERAGE. Building a little out-of-pocket investment and borrowing lots of money to buy a property is just how many people got abundant with the past. All things considered, if your investment goes up in price by $50,000 or $100,000 your rate of return depends on how much YOU really had spent. The average person has not been permitted to use heavy financial leverage in the stock market since the early 1930?s.Financial leverage is currently a dirty word in money since the recent financial crisis threatened the world economy. The principles have changed, but there are still possibilities for the average buyer. Forget the past and forget comparing the stock market vs. real estate investing in mainstream terms. There is really no sense in comparing the 2 as they have historically existed, since acquiring property is similar to actively running a business. Normal employees usually do not go there since they have other responsibilities and obligations to wait to.In the stock market you only buy and sell. That?s the advantage: liquidity, without active management. Today you may make a purchase for $10. You may purchase any stock you like and buy or sell in your brokerage account on the internet. If you need to get into real estate investing the easy way, even on a budget, you can perform it IN THE STOCK MARKET. You can now own an item of the action in commercial properties for an admission cost of $10, and sell in a matter of moments if things do not get your way.Equity real-estate investment trusts (REITS) purchase apartment buildings, shopping malls, office buildings and so on? diversified across the country. They?ve been with us a long time and for years were regular artists that provided investors both development and more than average dividend income. Their shares are traded in the stock market. When property got inexpensive so did these stocks. Two major titles here: Simon Residence Group and Vornado Realty Trust. And then there?s something rather new.To get the best of both worlds? Real-estate investing and the stock market? And never having to select which stock( s) to go with contemplate an that invests in numerous shares like the two mentioned previously. Stock representations IYR and VNQ are two such ETFs.You can invest anywhere from a few hundred dollars to millions, be in or out in a matter of moments and be considered a property entrepreneur simply by purchasing the right shares. With today?s volatile economic environment and markets a fundamental reality is now clear to even probably the most casual observer. All markets, perhaps the market for real homes, are dynamic and subject to change. Why not set liquidity in your corner?

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Saturday, July 28, 2012

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Correction: Earns-Coinstar story

BELLEVUE, Wash. (AP) ? In a story July 26 about Coinstar Inc.'s quarterly earnings results, The Associated Press reported that the company's full-year profit forecast of $4.60 to $4.90 per share fell short of analysts' average estimate of $4.97 per share. In fact, Coinstar's 2012 earnings guidance compared with a consensus estimate of $4.79, according to data provider FactSet.

A corrected version of the story is below:

Coinstar 2Q net up 38 pct; revenue miss hurts stock

Redbox owner Coinstar's 2Q profit up 38 pct but revenue growth disappoints, sinking stock

BELLEVUE, Wash. (AP) ? Coinstar Inc., the owner of the Redbox DVD kiosks, said Thursday that second-quarter net income rose 38 percent as it expanded into Canada and strengthened its foothold in the U.S.

But the company's revenue growth missed expectations and its full-year revenue guidance also fell mostly below estimates, sending shares down sharply after hours.

For the April through June period, Coinstar earned $36.9 million, or $1.11 per share, up from $26.7 million, or 83 cents per share, a year earlier. Excluding acquisition fees and other items, earnings were $1.25 per share, topping analysts' average estimate of $1.18 per share according to FactSet.

Revenue rose 22 percent to $532.2 million from $435.2 million, driven by new Redbox kiosks, growth at existing locations and price increases put into effect last October. On a conference call with analysts, Chief Financial Officer J. Scott di Valerio said the growth was particularly strong given that customers had fewer new movie titles to choose from in the latest quarter, compared with the 2011 second quarter. The company said its DVD rental market share, on a unit basis, rose 8 percentage points year-over-year to 42.5 percent. Coinstar also said that its coin business was boosted by new kiosks that it's installed in Safeway supermarkets over the past year.

But the growth fell short of Wall Street's $546.8 million revenue estimate. The stock tumbled $7.49, or nearly 13 percent, to $51.73 in electronic trading after hours. It had closed down 5 cents at $59.22 before the report.

Looking ahead, Coinstar noted on its conference call that there are going to be 23 percent fewer DVD releases in the third quarter. For the full year, Coinstar raised its forecast, now expecting adjusted profit from continuing operations of $4.60 to $4.90 per share on revenue of $2.21 billion to $2.31 billion. That compared with analysts' $4.79-per-share average estimate and forecast for revenue of $2.29 billion.

Reflected in Coinstar's outlook are costs related to the $100 million acquisition of 6,200 DVR kiosks from NCR Corp., which closed in June. The Bellevue, Wash., company expects to replace nearly half the acquired kiosks this year with Redbox stands. It has said the deal will start adding to earnings next year.

Source: http://news.yahoo.com/correction-earns-coinstar-story-162853928--finance.html

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Discovering Significant Strategies For Staying In Good Physical Shape

Many individuals say they wish to enter into better design, but never ever use the steps to enhance their fitness. Like everything else, you need to have the right schooling to enhance your individual physical fitness and acquire into far better design. This short article features a variety of guidelines on how to improve your fitness and obtain healthy.

If you are looking at acquiring appropriate exercise in your own life, you should know that you can get proper exercising without coming to the health and fitness center. However, in the club, the tools and data are definitely more readily available for you to obtain experience, and the know-how from. By doing this, you will be receiving the best from your regular workout.

It is possible to increase your physical power with the use of lighter in weight weights. Your muscle mass will have just as much push as whenever you elevate weightier weight loads, apart from you will end up moving significantly slow. These are typically particularly perfect for bench-presses. Go with about 40-60Per cent of what you normally lift up and do 8 sets of 12 reps pushing the body weight up swiftly. Have a 30 second sleep period between units.

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Friday, July 27, 2012

BP hit with $3.1 bn Russian court bill

A Siberian court on Friday piled more legal pressure on BP by ordering the British group to pay $3.1 billion in damages for its attempted Arctic oil exploration tie-up with the state giant Rosneft.

A BP attorney immediately denounced the decision as a "corporate attack" that demonstrated the court's subservience to the Russian government's wishes.

The ruling came just days after BP entered direct talks with Rosneft over a buy-out by Russia's largest oil company of the British firm's stake in the troubled TNK-BP joint venture it co-owns with four local tycoons.

A lawyer for minority TNK-BP shareholder Andrei Prokhorov -- the unheralded plaintiff at the heart of Russia's biggest business court case -- said the 100-billion-ruble ruling was issued against London-based BP plc and its BP Russia Investment Limited venture.

"We are fully satisfied," attorney Dmitry Chepurenko said by telephone from the oil-producing region of Tyumen.

Prokhorov -- owner of just 0.0000106 percent of a venture responsible for nearly a third of BP's oil -- denies acting on behalf of the powerful oligarchs who operate their half through the Alfa Access Renova (AAR) consortium.

AAR successfully blocked the Arctic deal in a European court of arbitration by arguing that BP had an obligation to offer TNK-BP priority rights to any operations it would like to conduct across the country and Ukraine.

Prokhorov said TNK-BP Holding suffered from unrealised gains by being shut out of the $16 billion share-swap and joint exploration venture.

The Arctic venture eventually went to the US super-major ExxonMobil. TNK-BP for its part reported a slump in second quarter profits Friday to $808 million from $2.2 billion last year due to lower prices and higher export taxes on old fields.

The Siberian ruling will make no immediate financial impact on BP because it can still fight it in higher courts -- a process that Prokhorov's attorney said could take "at least" six months.

But it will also remind BP of the other court battles it has waged -- and often lost -- in Russia when facing complications with either its tycoon partners or the state.

"This court ruling seriously damages the Russian court system's reputation and proves its inability to defend honest investors against illegal corporate attacks," BP lawyer Konstantin Lukoyanov told RIA Novosti.

"All of the plaintiff's claim are based on absurd assumptions that have nothing in common with the interests of TNK-BP or its shareholders," the BP lawyer said.

Most economists agree that Prokhorov's case would have never survived either the European or US court systems.

The controversial claim had already been rejected once in November -- a move that came just two months after British Prime Minister David Cameron addressed the issue with Russia's ruling tandem of Vladimir Putin and Dmitry Medvedev.

But it was picked up again this year just as BP was entering another war of words with the AAR billionaires over future TNK-BP strategy and dividend payments.

BP eventually put up its half of Russia's third-largest oil company for sale in July 1 and received a quick bid from the tycoon's themselves.

Rosneft entered the fray as expected this week and has three months to negotiate an agreement that could see BP lose an instant cash source that has provided $19 billion in dividend payment's since TNK-BP's creation in 2003.

Analysts believe BP views a deal with Rosneft as a way of improving its relations with the Russian state and potentially regaining access to lucrative unexplored reserves.

Source: http://news.yahoo.com/russia-court-orders-bp-pay-3-1-bn-110755837.html

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"Wazzock": British media hammer Romney on Olympic comments

(Charles Dharapak/AP)

LONDON?On day three of his overseas tour, Mitt Romney woke up to unfriendly headlines from the British media, who continue to trash him for telling NBC News that he found preparations for the Olympics here "disconcerting."

"Mitt the Twit," declared The Sun tabloid, trashing Romney as a "wannabe president."

The Independent headlined their take on Romney's trip, "Romneyshambles"?accusing him of not only committing a diplomatic gaffe but later "the cardinal sin of U.S. politics, flip-flopping" on his criticism.

The Daily Telegraph suggested Romney's "Olympic gaffe" had overshadowed his trip to London.

Meanwhile, the conservative Daily Mail slammed Romney as "devoid of charm, offensive and a wazzock."

Romney's comments led newscasts on both Sky News and the BBC on Thursday night and early Friday morning, just hours ahead of the Olympic opening ceremonies here.

"Is this guy really prepared to be president?" one Sky News reporter asked in his Thursday night report about Romney's day in London. The reporter trashed the GOP candidate's comments as "just daft."

Romney has repeatedly tried to dial back on his criticism, first in a news conference Thursday outside 10 Downing Street, where he had met with British Prime Minister David Cameron?who had been publicly critical of Romney's remarks earlier in the day.

[Get more updates from Romney's overseas trip by following @hollybdc on Twitter]

In an interview with CNN's Piers Morgan Thursday night, Romney again tried to contain the controversy, telling the CNN host he believes the London games will be successful.

"It's great. It's absolutely fabulous," Romney said of being in London for the games. "You know I'd never been to an Olympics before I was given the Olympic job. I mean I've done the same thing everybody else did. I watched the games on TV. But to actually be here and to experience not just the athletes but also the volunteers who are working hard and excited, and then the whole community comes together? It's fabulous."

Citing the "enthusiasm" of the people in London, Romney added, "I think you are going to see terrific games that will be long time in our memories."

Source: http://news.yahoo.com/blogs/ticket/british-media-hammer-romney-olympic-comments-103800909.html

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Onslaught looms as Assad forces pound Aleppo rebels

AMMAN/BEIRUT (Reuters) - President Bashar al-Assad's artillery pounded rebel-held areas in and around Aleppo on Friday in preparation for an onslaught on Syria's biggest city where the United States has said it fears a "massacre" may be imminent.

Opposition sources said the shelling, which follows intensive ground and air bombardment, was an attempt to drive fighters inside Aleppo from their strongholds and to stop their comrades outside the city from resupplying them.

"They are shelling at random to instill a state of terror," said Anwar Abu Ahed, a rebel commander outside the city.

The battle for Aleppo, a major power centre that is home to 2.5 million people, is being seen as a potential turning point in the 16-month uprising against Assad that could give one side an edge in a conflict where both the rebels and the government have struggled to gain the upper hand.

A rebel commander said insurgents had attacked a convoy of Syrian army tanks heading towards the city, as the government continued to redeploy forces from other parts of the country to bolster its forces there.

The fate of Syria itself - an ethnically fragmented nation of 22 million people - is likely to determine the future of the wider region for years to come amid fears that its own sectarian tensions could spill across borders.

The U.S. State Department said credible reports of tank columns moving on Aleppo, along with air strikes by helicopters and fixed-wing aircraft, represented a serious escalation of Assad's efforts to crush his opponents.

"This is the concern: that we will see a massacre in Aleppo, and that's what the regime appears to be lining up for," Victoria Nuland, a spokeswoman for the State Department, said.

Turkey, a former ally of Assad and now one of his fiercest critics, cheered on the rebels in Aleppo.

"In Aleppo itself the regime is preparing for an attack with its tanks and helicopters ... my hope is that they'll get the necessary answer from the real sons of Syria," Prime Minister Tayyip Erdogan said in remarks broadcast on Turkish TV channels.

As the remaining residents of Aleppo braced themselves for more bloodshed, General Robert Mood, the outgoing head of the U.N. monitoring mission, told Reuters he thought Assad's days in power were numbered.

"In my opinion it is only a matter of time before a regime that is using such heavy military power and disproportional violence against the civilian population is going to fall," the Norwegian general, who left Damascus on July 19, said.

Navay Pillay, the United Nations human rights chief, said a pattern had emerged as Assad's forces resorted to shelling, tank fire and door-to-door searches.

"All this, taken along with the reported build-up of forces in and around Aleppo, bodes ill for the people of that city," she said in statement.

MORTAR ROUNDS

Government troops stationed on the outskirts of the city unleashed barrages of heavy-caliber mortar rounds on its western districts, while Russian-built MI-25 helicopter gunships struck in the east, opposition activists inside the city said.

The heavy fighting follows an audacious bomb attack on July 18 that killed four of Assad's closest lieutenants in Damascus, a development that led some analysts to speculate that the government's grip was slipping.

In the first reported casualty on Friday, a man of about 60 wearing a traditional white prayer, outfit was killed near a park in Aleppo, while fighting spread across several neighborhoods.

A dawn bombardment killed five people who had been sheltering in a vegetable market. Video footage posted by opposition activists showed people gathering up the victims' body parts in plastic bags.

On Thursday, thirty-four people were killed in and around Aleppo, according to opposition activists, in an uprising that has cost the lives of 18,000 people across the country.

"The rebels have so far been nimble, and civilians have mostly been the victims of the bombardment," said activist Abu Mohammad al-Halabi, speaking by phone from the city.

Majed al-Nour, another activist, said rebels had attacked a security outpost in the neighborhood of Bustan al-Joz, which is close to Aleppo's city centre, on Thursday.

"The rebels are present in the east and west of the city, and have a foothold in areas of the centre. The regime forces control the entrances of Aleppo and the main thoroughfares and commercial streets and are bombarding the residential districts that fell into rebel hands," he said.

Nour said tens of thousands of people had fled Aleppo to nearby northern rural regions close to Turkey.

In the city, rebels have detained at least 100 Syrian officers, soldiers and pro-government militiamen this week, the Syrian Observatory for Human Rights, an opposition group, said.

A video posted on YouTube showed rebels with Kalashnikovs from "The Tawheed (monotheism) Brigade" guarding the detainees, who were lined up on a school playground.

HELICOPTERS OVER DAMASCUS

In Damascus on Friday, four helicopters flew over southern areas of the capital, firing heavy machine guns into the districts of Hajar al-Aswad and Tadamon as well as into the Yarmouk Palestinian refugee camp, a resident said.

"I can see two above me right now, heading towards Hajar al-Aswad," she said by telephone, the pounding of guns audible in the background. The helicopters were flying low and appeared to be targeting specific buildings.

Opposition sources said Syrian troops and armor entered Hajr al-Aswad on Friday, pursuing a counter-attack against rebel fighters that began last week.

With U.N. Security Council resolutions for sanctions against Syria vetoed by Russia and China for a third time last week, the United States has said it is stepping up assistance to Syria's fractured opposition, though it remains limited to non-lethal supplies such as communications gear and medical equipment.

Reuters has learned that the White House has crafted a presidential directive, called a "finding," that would authorize greater covert assistance for the rebels, but stop short of arming them.

It is unclear whether President Barack Obama has signed the document, a highly classified authorization for covert activity.

A Syrian parliamentarian, Ikhlas al-Badawi, from the northern province of Aleppo said on Friday she had fled to Turkey, becoming the first member of the rubber-stamp assembly dominated by Assad's Baath Party to defect.

Meanwhile, a source close to the mediation effort told Reuters on Friday that international mediator Kofi Annan was still trying to forge a political solution to the Syria crisis despite being made a scapegoat for the failure of the two sides to agree.

United Nations Secretary-General Ban Ki-moon said he was deeply concerned about reports that Syria could use chemical weapons and demanded that the government should state it would not use them "under any circumstances".

British Foreign Secretary William Hague said the Syrian government assault on Aleppo was an "utterly unacceptable escalation" of the conflict.

(Additional reporting by Tabassum Zakaria, Matt Spetalnick and Andrew Quinn in Washington; Writing by Giles Elgood; Editing by Michael Roddy)

Source: http://news.yahoo.com/u-fears-syria-preparing-massacre-aleppo-052845792.html

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Thursday, July 26, 2012

Game maker Zynga stock tanks after weak 2Q report

FILE- In this Tuesday, June 26, 2012 file photo, Zynga CEO Mark Pincus walks off the stage after an announcement of new games at Zynga headquarters in San Francisco. Zynga's stock is tanking after the online game maker reported a loss in the second quarter on Wednesday, July 25, 2012, with adjusted earnings and revenue below Wall Street's already-low expectations. (AP Photo/Paul Sakuma, File)

FILE- In this Tuesday, June 26, 2012 file photo, Zynga CEO Mark Pincus walks off the stage after an announcement of new games at Zynga headquarters in San Francisco. Zynga's stock is tanking after the online game maker reported a loss in the second quarter on Wednesday, July 25, 2012, with adjusted earnings and revenue below Wall Street's already-low expectations. (AP Photo/Paul Sakuma, File)

FILE- In this Tuesday, June 26, 2012, file photo, Zynga CEO Mark Pincus speaks during the announcement of new games at Zynga headquarters in San Francisco. Zynga's stock is tanking after the online game maker reported a loss in the second quarter on Wednesday, July 25, 2012, with adjusted earnings and revenue below Wall Street's already-low expectations. (AP Photo/Paul Sakuma, File)

(AP) ? Zynga Inc. lost money and received less revenue than anticipated in the second quarter because "CityVille," ''FarmVille" and other games are not attracting as many paying players as they should.

Its stock tanked in after-hours trading and dragged Facebook's shares as well because the social networking icon relies on Zynga for a good chunk of its revenue ? 12 percent last year. The news comes just as Facebook prepares to report quarterly earnings on Thursday, its first as a public company.

Though Zynga's revenue grew, Wall Street wanted more. The number of players increased, but only because it got more players from its acquisition of OMGPop, the maker of the mobile game "Draw Something." Expenses grew, too.

Faced with a dismal quarter, Zynga lowered its outlook for the year on Wednesday, citing game delays, reduced expectations for "Draw Something" and what it called a "more challenging environment on the Facebook Web platform."

In short, not all is well in Zyngaville.

"The largest reason for us decreasing our guidance has to do with the performance of our existing games," Chief Financial Officer David Wehner said in a conference call with analysts.

It's not clear if this means people are growing tired of Zynga's games, of Facebook games in general, or if they are just not paying as much for virtual cows and poker chips as they used to. Zynga offers its games for free and makes money when players buy those virtual goods to enhance game play.

To Michael Pachter of Wedbush, the reasons Zynga gave for its weak outlook were not good enough.

"Why did they do so badly? I wish I knew," he said. But he was more concerned about the reduced forecast.

The game delay, the weak "Draw Something" performance and changes Facebook made to its website ? which can make older games such as "FarmVille" more difficult to discover ? helped explain why Zynga did badly in the second quarter. But Pachter said these reasons don't explain the weak outlook for the rest of the year.

The company said it now expects adjusted earnings of 4 cents to 9 cents per share for all of 2012. In April, it had forecast adjusted earnings between 23 cents and 29 cents per share. Analysts were expecting 26 cents.

Zynga derives nearly all of its revenue from games played on Facebook. A growing number of Facebook users are accessing the social network using mobile devices rather than computers, which hurts Web-based games such as Zynga's.

Zynga had a lot riding on this quarter. Investors had been punishing its stock because of worries about declining user numbers. Zynga said the number of active monthly users grew by 34 percent from a year ago, to 306 million. But the number wouldn't have gone up were it not for the OMGPop acquisition. Zynga didn't break out the OMGPop numbers.

The results provided no relief. Zynga's stock sank $1.89, or 37 percent, to $3.19 in after-hours trading after the results came out. That is below its all-time low of $4.45 and means Zynga will likely start trading Thursday at its lowest level since going public in December.

The stock had closed up 16 cents at $5.08 during the regular session. Zynga's stock priced at $10 when it went public.

Facebook's stock also declined after Zynga's announcement. The bad news from Zynga could hurt Facebook, whose stock fell $2.23, or 7.6 percent, to $27.11 in after-hours trading.

Zynga said Wednesday that it lost $22.8 million, or 3 cents per share, in the April-June quarter. That's down from earnings of $1.4 million a year ago when it was still privately held. Its per-share results a year ago were at breakeven.

Adjusted earnings in the latest quarter were a penny per share, below expectations of 5 cents per share.

Zynga's revenue grew 19 percent to $332 million. Analysts surveyed by FactSet had expected $342.8 million.

Zynga also said Wednesday that its chairman and CEO, Mark Pincus, became the beneficial owner of more than 50 percent of the company's voting power through stock he owns.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-07-25-Earns-Zynga/id-58d187a0df214589adca56343bff1696

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Social Media For Market Overviews And Research Considered ...

Thursday, July 26th, 2012

The other day, I was talking with an individual from Kansas and they were interested in starting a mobile car washing business, and they had heard that I had built such a company long ago. They told me they?d be willing to have me as their consultant to help them with their newly formed company. I put forth a list of things that I thought they might do to prepare their business plan. First, they needed to do a market overview and some market research.

Now then, back when I built my company we didn?t have social media or social networks, and the Internet was just getting started. I can recall that back in 1992 I had a competitor who built a website and actually got some customers from it in the city I was operating in, this was before I franchised my company. He didn?t get many companies, but he used

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Source: http://www.thmg.com/social-media/social-media-for-market-overviews-and-research-considered/

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Multifamily Strength Enticing Banks Back into CRE Lending - CoStar ...

The thaw in bank lending for commercial real estate appears to have quickened a bit in the second quarter based on comments from bank executives in their earnings conference call.

It is not a unanimous movement back into CRE lending as several of the larger banks are still working through mounds of distressed assets and many are still in cost-cutting mode. However, a number of others have decided the markets are ripening and the time is either right to return to CRE lending, or is fast approaching to do so.

Interest in multifamily properties is leading the comeback, but many bank executives said that is just the jumping in point and not the sole purpose for getting back into lending.


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"We're not going into [the commercial real estate] market with just a bet that we're just doing multifamily," said Kirk W. Walters, senior executive vice president and CFO of People's United Financial Inc. "Certainly multifamily will be in the mix, it will be one of the things we'll be doing, but we'll be doing all types of commercial real estate."

"It's a business that we expect that we're going to build out, one that will be relationship oriented, and that we do have a good strong history on the commercial real estate side, but also other products and offerings that we'll be able to lever in that market," Walters said.

Nor are banks looking at just financing existing properties for investors.

Doyle L. Arnold, vice chairman and CFO of Zions Bancorporation, said the bank expects to see some growth in its construction and development category over the next several quarters.

"Most of the new construction loan commitments are in Class A apartment buildings," Arnold said. "Our multifamily lending continues to be the largest growth category or strongest growth category, up to about 10% annualized growth in the last six months."

Peter S. Ho, chairman, president and CEO of Bank of Hawaii, said in "commercial real estate and construction lending, we're actually up 5.6% year-on-year which is about the level that we think we can be looking at in the environment that we're in today. So, I think commercial has some upside, certainly that's what we're seeing in the pipeline."

James E. Rohr, chairman and CEO of PNC Financial Services Group, multifamily construction has been a big play this year but also sees the strength of the CRE market not in the product type per se but more in the borrowers.

"A lot of different REITs that are in [the market] have basically moved to quality. A lot of the foreign banks have moved away from that market, and clearly the quality that our bank -- and the calling effort and the history I think has worked very well for us in that space," Rohr said. "There has been some CMBS refinancing, and I think that's going to continue for the next two or three years."

Rene F. Jones, executive vice president and CFO of M&T Bank Corp., said most of the improvement in the CRE space "has lot to do with the low [interest] rate environment."

"We are finding that we are able to either restructure or workout transactions more favorably than we might have thought," Jones said. "And part of that is because other lenders or the markets are actually willing to sort of step in."

Banks also said the market has turned in their favor in regards to their foreclosed properties and distressed loans.

"We've continued to execute our strategy to aggressively liquidate foreclosed real estate," said Clarke R. Starnes, chief risk officer and senior executive vice president for BB&T Corp.

"This is having a very positive impact on reducing nonperforming assets and related credit costs and certainly contributing to higher earnings growth.

This quarter, we decreased foreclosed real estate $157 million or 41.5% compared to Q1. And since the second quarter of last year, foreclosed real estate is down $926 million or nearly 81%. As these balances are now down to $221 million, and we continue to be aggressive in our disposition as we go into the third quarter, we think we'll effectively complete the targeted OREO strategy in the next couple of quarters.

William Hartmann, chief credit officer of KeyCorp, said there is a tremendous amount of liquidity in the market and that is presenting more opportunities for the bank.

"We have had some performing but criticized loans where we've received some reverse inquiries from people who were willing to purchase those at relatively close to par," Hartmann said. "The accounting for that requires that, since there is a slight discount to our carrying value, that we actually move those into nonperforming in order to account for that discount -- that discount does flow through the net charge-offs, and then we could actually sell the assets."


Keep up weekly on national news, trends and property leads with the Watch List Newsletter, a weekly pdf that includes other news and leads not found on the CoStar Group web news pages. Sign up for the Watch List E-Mail Alert. A new issue is published late each Wednesday.

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Source: http://www.costar.com/News/Article/Multifamily-Strength-Enticing-Banks-Back-into-CRE-Lending/140110?ref=/News/Article/Multifamily-Strength-Enticing-Banks-Back-into-CRE-Lending/140110&src=rss

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Introducing RE:CON

Political professionals and junkies alike have a new way to keep the conventions at their fingertips. National Journal has launched National Journal RE:CON, a comprehensive?app for the Republican and Democratic National Conventions. RE:CON for iPhone can be previewed and downloaded at: http://itunes.apple.com/us/app/re-con-conventions-2012/id526515781

RE:CON is free and provides everything convention-goers and followers need to know about the latest developments. RE:CON users will have access to:

  • The most up-to-date schedules for events, forums, and parties
  • Breaking news from the convention floor
  • Photos from all the convention action

RE:CON also features detailed city information for both Tampa and Charlotte, including:

  • Local business and restaurant listings
  • Delegation hotel locations
  • Event locations and maps
  • Contact information for key personnel and campaign offices at each convention

National Journal RE:CON for iPhone is available for download now in Apple's iTunes Store. RE:CON apps for Android and iPad will be available soon. All of the apps will continue to be updated and expanded with additional information as the conventions approach. National Journal RE:CON is underwritten by Vote4Energy.

Source: http://news.yahoo.com/introducing-con-133325891.html

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Budget office: Obama's health law reduces deficit

WASHINGTON (AP) ? President Barack Obama's health care overhaul will shrink rather than increase the nation's huge federal deficits over the next decade, Congress' nonpartisan budget scorekeepers said Tuesday, supporting Obama's contention in a major election-year dispute with Republicans.

About 3 million fewer uninsured people will gain health coverage because of last month's Supreme Court ruling granting states more leeway, and that will cut the federal costs by $84 billion, the Congressional Budget Office said in the biggest changes from earlier estimates.

Republicans have insisted that "Obamacare" will actually raise deficits ? by "trillions," according to presidential candidate Mitt Romney. But that's not so, the budget office said.

The office gave no updated estimate for total deficit reductions from the law, approved by Congress and signed by Obama in 2010. But it did estimate that Republican legislation to repeal the overhaul ? passed recently by the House ? would itself boost the deficit by $109 billion from 2013 to 2022.

"Repealing the (health care law) will lead to an increase in budget deficits over the coming decade, though a smaller one than previously reported," budget office director Douglas Elmendorf said in a letter to House Speaker John Boehner, R-Ohio.

The law's mix of spending cuts and tax increases would more than offset new spending to cover uninsured people, Elmendorf explained.

Tuesday's budget projections were the first since the Supreme Court upheld most of the law last month but gave states the option of rejecting a planned expansion of Medicaid for their low-income residents. As a consequence, the budget office said the law will cover fewer uninsured people.

Thirty million uninsured people will be covered by 2022, or about 3 million fewer than projected this spring before the court ruling, the report said.

As a result, taxpayers will save about $84 billion from 2012 to 2022. That brings the total cost of expanding coverage down to $1.2 trillion, from about $1.3 trillion in the previous estimate.

The Congressional Budget Office has consistently projected that Obama's overhaul will reduce the deficit, although previous estimates aren't strictly comparable with Tuesday's report because of changes in the law and other factors.

At the time it was approved in 2010, CBO estimated the law would reduce the deficit by $143 billion from 2010 to 2019. And CBO estimated that last year's Republican repeal legislation would increase deficits by $210 billion from 2010 to 2021.

That may sound like a lot of money, but it's actually a hair-thin margin at a time when federal deficits are expected to average around $1 trillion a year for the foreseeable future.

When the law is fully in effect, 92 percent of citizens and legal residents are estimated to have coverage, as compared to 81 percent now.

Democrats hailed Tuesday's estimates as vindication for the president. "This confirms what we've been saying all along: the Affordable Care Act saves lots of money," said Senate Majority Leader Harry Reid, D-Nev.

Actually, the government will spend more. It just won't go onto the national credit card because the health care law will be paid for with a combination of spending cuts and tax increases.

GOP leaders sought to shift attention from claims about the deficit and focused instead on the additional spending. "What we know from today's CBO report ... is that the new health care law is dramatically increasing health care spending and costs," said Senate Republican leader Mitch McConnell of Kentucky.

Republicans said they remain unswervingly committed to repealing what they dismiss as "Obamacare." When combined with other budget-cutting measures, GOP leaders say that repeal will ultimately reduce deficits. Romney says if elected he will begin to dismantle the law his first day in office.

Medicaid has been one big question hanging over the future of Obama's law since the Supreme Court ruled.

Some GOP-led states, such as Texas and Florida, say they will not go forward with the expansion. Others are uncommitted, awaiting the voters' verdict on Obama in November.

Although the federal government would bear all of the initial cost of that expansion, many states would have to open their Medicaid programs to low-income childless adults for the first time.

CBO analysts did not try to predict which specific states would jump in and which would turn down the Medicaid expansion. Instead, they assumed that many states would eventually cut deals with the federal government to expand their programs to some degree.

As a result, the budget office estimates that more than 80 percent of the low-income uninsured people eligible under the law live in states that partially or fully expand their programs.

The big coverage expansion under the law doesn't start until 2014, with middle-class uninsured people signing up for subsidized private plans and more low-income people picked up through Medicaid.

___

Associated Press writer Laurie Kellman contributed to this report.

Source: http://news.yahoo.com/budget-office-obamas-health-law-reduces-deficit-182759278.html

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Wednesday, July 25, 2012

Chat Box: OOC Live

Muralia Academy

In a world of supernatural beings, power reigns supreme. An academy is created to help promote a coexistent future, but can it really be that simple? ~more inside~

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Northern Ireland fail to make Milk Cup final after Mexico draw

Coordinates39?44?21?N104?59?5?N
Conventional long nameNorthern Ireland
Native nameTuaisceart ?ireannNorlin Airlann
Map caption
Official languagesEnglishIrishUlster Scots
Common nameNorthern Ireland
CapitalBelfast
Largest cityBelfast
Government typeConsociational devolved government within a constitutional monarchy
Leader title1Monarch
Leader name1Elizabeth II
Leader title2First Minister
Leader name2Peter Robinson MLA
Leader title3deputy First Minister
Leader name3
Leader title4Prime Minister of the United Kingdom
Leader name4David Cameron MP
Leader title5Secretary of State (in the UK government)
Leader name5Owen Paterson MP
Sovereignty typeEstablishment
Established event1
Established date13 May 1921
LegislatureNorthern Ireland Assembly
Area magnitude1 E10
Area km213,843
Area sq mi5,345
Population estimate1,799,392
Population estimate year2010
Population census1,685,267
Population census year2001
Population density km2122
Population density sq mi315
Ethnic groups99.15% White (91.0% Northern Ireland born, 8.15% other white) 0.41% Asian 0.10% Irish Traveller 0.34% others.
Gdp ppp?33.2 billion
Gdp ppp year2002
Gdp ppp per capita?19,603
CurrencyPound sterling
Currency codeGBP
Country codeUKN
Time zoneGMT
Date formatdd/mm/yyyy (AD)
Drives onleft
Utc offset+0
Time zone dstBST
Utc offset dst+1
Cctld.uk
Calling code+44
Footnote1Officially recognised languages: Northern Ireland has no official language. The use of English has been established through precedent. Irish and Ulster Scots are officially recognised minority languages
Footnote2.ie, in common with the Republic of Ireland, and also .eu, as part of the European Union. ISO 3166-1 is GB, but .gb is unused
Footnote3+44 is always followed by 28 when calling landlines. The code is 028 within the UK and 048 from the Republic of Ireland }}

Northern Ireland ( , Ulster Scots: Norlin Airlann or Norlin Airlan) is a part of the United Kingdom in the north-east of the island of Ireland. It shares a border with the Republic of Ireland to the south and west. As of 2001, its population was 1,685,000, constituting about 30% of the island's total population and about 3% of the population of the United Kingdom. Since the signing of the Good Friday Agreement in 1998, Northern Ireland is largely self-governing. According to the agreement, Northern Ireland co-operates with the rest of Ireland ? from which it was partitioned in 1921 ? on some policy areas, while other areas are reserved for the Government of the United Kingdom, though the Republic of Ireland "may put forward views and proposals".

Northern Ireland was for many years the site of a violent and bitter inter-communal conflict ? the Troubles ? which was caused by divisions between nationalists, who see themselves as Irish and are predominantly Roman Catholic, and unionists, who see themselves as British and are predominantly Protestant. (Additionally, people from both sides of the community may describe themselves as Northern Irish.)Unionists want Northern Ireland to remain as a part of the United Kingdom, while nationalists want reunification with the rest of Ireland, independent of British rule. Since 1998, most of the paramilitary groups involved in the Troubles have ceased their armed campaigns.

Northern Ireland has traditionally been the most industrialised region of the island. After declining as a result of political and social turmoil in the second half of the 20th century, it has grown significantly since the 1990s. This is in part due to a "peace dividend" and in part due to links and increased trade with the Republic of Ireland.

Prominent artists and sports persons from Northern Ireland include Van Morrison, Rory McIlroy and George Best. Others from that part of the island prefer to define themselves as Irish, e.g. Seamus Heaney and Liam Neeson. Cultural links between Northern Ireland, the rest of Ireland and the rest of the UK are complex, with Northern Ireland sharing both the culture of Ireland and the culture of the United Kingdom. In most sports, the island of Ireland fields a single team, a notable exception being association football. Northern Ireland competes separately at the Commonwealth Games and people from Northern Ireland may compete for either Great Britain or Ireland at the Olympic Games.

History

The region that is now Northern Ireland was the bedrock of the Irish war of resistance against English programmes of colonialism in the late 16th century. The English-controlled Kingdom of Ireland had been declared by the English king Henry VIII in 1542, but Irish resistance made English control fragmentary. Following Irish defeat at the Battle of Kinsale, though, the region's Gaelic, Roman Catholic aristocracy fled to continental Europe in 1607 and the region became subject to major programmes of colonialism by Protestant English (mainly Anglican) and Scottish (mainly Presbyterian) settlers. Between 1610 and 1717 perhaps as many as 100,000 Lowlanders came across from Scotland, and by the latter date there were some five Scots to every three Irishmen and one Englishman in Ulster. A rebellion in 1641 by Irish aristocrats against English rule resulted in a massacre of settlers in Ulster in the context of a war breaking out between England, Scotland and Ireland fuelled by religious intolerance in government. Victories by English forces in that war and further Protestant victories in the Williamite War in Ireland toward the close of the 17th century solidified Anglican rule in Ireland. In Northern Ireland, the iconic victories of the Siege of Derry (1689) and the Battle of the Boyne (1690) in this latter war are still celebrated today by the Unionist community (both Anglican and Presbyterian).

Following the victory of 1691, and contrary to the terms of the Treaty of Limerick, a series of penal laws was passed by the Anglican ruling class in Ireland. Their intention was to materially disadvantage the Catholic community and, to a lesser extent, the Presbyterian community. In the context of open institutional discrimination, the 18th century saw secret, militant societies develop in communities in the region and act on sectarian tensions in violent attacks. These events escalated at the end of the century following an event known as the Battle of the Diamond, which saw the supremacy of the Anglican and Presbyterian Peep o'Day Boys over the Catholic Defenders and leading to the formation of the (Anglican) Orange Order. A rebellion in 1798 led by the cross-community Belfast-based Society of the United Irishmen and inspired by the French Revolution sought to break the constitutional ties between Ireland and Britain and unite Irishmen and -women of all communities. Following this, in an attempt to quell sectarianism and force the removal of discriminatory laws (and to prevent the spread of French-style republicanism to Ireland), the government of the Kingdom of Great Britain pushed for the two kingdoms to be merged. The new state, formed in 1801, the United Kingdom of Great Britain and Ireland, was governed from a single government and parliament based in London.

Between 1717 and 1775 some 250,000 people from Ulster emigrated to the American colonies. It is estimated that there are more than 27?million descendants of the Scots-Irish migration now living in the U.S.

Partition of Ireland

During the 19th century, legal reforms started in the late 18th century removed statutory discrimination against Catholics and progressive programmes enabled tenant farmers to buy land from landlords. By the close of the century, autonomy for Ireland within the United Kingdom, known as Home Rule, was regarded as highly likely. In 1912, it became a certainty. A clash between the House of Commons and House of Lords over a controversial budget produced the Parliament Act 1911, which enabled the veto of the Lords to be overturned. The House of Lords veto had been the unionists' main guarantee that Home Rule would not be enacted, because the majority of members of the House of Lords were unionists. In response, opponents to home Rule from Conservative and Unionist Party leaders such as Andrew Bonar Law and by Dublin-based barrister Sir Edward Carson to militant unionists in Ireland threatened the use of violence. In 1914, they smuggled thousands of rifles and rounds of ammunition from Imperial Germany for use by the Ulster Volunteers, a paramilitary organisation opposed to the implementation of Home Rule.

Unionists were in a minority on the island of Ireland as a whole, but were a majority in the northern province of Ulster and a very large majority in County Antrim and County Down, with small majorities in County Armagh and County Londonderry. There were substantial numbers also concentrated in County Fermanagh and County Tyrone. These six counties would later constitute Northern Ireland. All of the remaining 26 counties which later became the Republic of Ireland were overwhelmingly majority-nationalist.

In 1914, the Third Home Rule Act, which contained provision for a "temporary" partition of these six counties from the rest of Ireland, received Royal Assent. However, its implementation was suspended before it came into effect owing to the outbreak of the First World War. The war was expected to last only a few weeks but in fact lasted four years. By the end of the war (during which the 1916 Easter Rising had taken place), the Act was seen as unimplementable. Public opinion in the majority "nationalist" community (who sought greater independence from Britain) had shifted during the war from a demand for home rule to one for full independence. In 1919, David Lloyd George proposed a new bill which would divide Ireland into two Home Rule areas: twenty-six counties being ruled from Dublin and six being ruled from Belfast. Straddling these two areas would be a shared Lord Lieutenant of Ireland who would appoint both governments and a Council of Ireland, which Lloyd George believed would evolve into an all-Ireland parliament. Events had however overtaken the government. In the general election of 1918, the pro-independence Sinn F?in won 73 of the 105 parliamentary seats in Ireland and unilaterally established the First D?il, an extrajudicial parliament in Ireland.

Ireland was partitioned between Northern Ireland and Southern Ireland in 1921 under the terms of Lloyd George's Government of Ireland Act 1920 during the war of independence between Ireland and British forces. At the conclusion of that war on 6 December 1922, under the terms of the resulting treaty, Northern Ireland provisionally became an autonomous part of the newly independent Irish Free State, with the right to opt out of it.

Northern Ireland

As expected, the Parliament of Northern Ireland resolved on 7 December 1922 (the day after the establishment of the Irish Free State) to make the following address to the King to exercise, within the one month allowed, the right to opt out of the Irish Free State: "Most Gracious Sovereign, We, your Majesty's most dutiful and loyal subjects, the Senators and Commons of Northern Ireland in Parliament assembled, having learnt of the passing of the Irish Free State Constitution Act 1922, being the Act of Parliament for the ratification of the Articles of Agreement for a Treaty between Great Britain and Ireland, do, by this humble Address, pray your Majesty that the powers of the Parliament and Government of the Irish Free State shall no longer extend to Northern Ireland". Shortly afterwards, a commission was established to decide on the territorial boundaries between the Irish Free State and Northern Ireland. Owing to the outbreak of civil war in the Free State, the work of the commission was delayed until 1925. Leaders in Dublin expected a substantial reduction in the territory of Northern Ireland, with nationalist areas moving to the Free State. However the commission's report recommended only that some small portions of land should be ceded from the Free State to Northern Ireland. To prevent argument, this report was suppressed and, in exchange for a waiver to the Free State's obligations to the UK's public debt and the dissolution of the Council of Ireland (sought by the Government of Northern Ireland), the initial six-county border was maintained with minor changes.

In June 1940, to encourage the neutral Irish state to join with the Allies, British Prime Minister Winston Churchill indicated to the Taoiseach ?amon de Valera that the United Kingdom would push for Irish unity, but believing that Churchill could not deliver, de Valera declined the offer. (The British did not inform the Government of Northern Ireland that they had made the offer to the Dublin government, and De Valera's rejection was not publicised until 1970).

The Ireland Act 1949 gave the first legal guarantee to the Parliament and Government of Northern Ireland that the region would not cease to be part of the United Kingdom without the consent of the majority of its citizens.

The Troubles

The Troubles, starting in the late 1960s, consisted of about thirty years of recurring acts of intense violence between elements of Northern Ireland's nationalist community (principally Roman Catholic) and unionist community (principally Protestant) during which 3,254 people were killed. The conflict was caused by the disputed status of Northern Ireland within the United Kingdom and the discrimination against the nationalist minority by the dominant unionist majority. From 1967 to 1972 the Northern Ireland Civil Rights Association, modelling itself on the US civil rights movement, led a campaign of civil resistance to anti-Catholic discrimination in housing, employment, policing, and electoral procedures (the franchise being limited to property-owning rate-payers, thereby excluding most Catholics). However NICRA's campaign, and the reaction to it, proved to be a precursor to a more violent period. As early as 1969, armed campaigns of paramilitary groups began, including the Provisional IRA campaign of 1969?1997 which was aimed at the end of British rule in Northern Ireland and the creation of a new "all-Ireland", "thirty-two county" Irish Republic, and the Ulster Volunteer Force, formed in 1966 in response to the perceived erosion of both the British character and unionist domination of Northern Ireland. The state security forces ? the British Army and the police (the Royal Ulster Constabulary) ? were also involved in the violence. The British government's point of view is that its forces were neutral in the conflict, trying to uphold law and order in Northern Ireland and the right of the people of Northern Ireland to democratic self-determination. Irish republicans regarded the state forces as "combatants" in the conflict, alleging collusion between the state forces and the loyalist paramilitaries as proof of this (loyalists are against the union of Ireland). The "Ballast" investigation by the Police Ombudsman has confirmed that British forces, and in particular the RUC, did collude with loyalist paramilitaries, were involved in murder, and did obstruct the course of justice when such claims had previously been investigated, although the extent to which such collusion occurred is still hotly disputed.

As a consequence of the worsening security situation, autonomous regional government for Northern Ireland was suspended in 1972. Alongside the violence, there was a political deadlock between the major political parties in Northern Ireland, including those who condemned violence, over the future status of Northern Ireland and the form of government there should be within Northern Ireland. In 1973, Northern Ireland held a referendum to determine if it should remain in the United Kingdom, or be part of a united Ireland. The vote went heavily in favour (98.9%) of maintaining the status quo with approximately 57.5% of the total electorate voting in support, but only 1% of Catholics voted following a boycott organised by the SDLP.

Peace process

The Troubles were brought to an uneasy end by a peace process which included the declaration of ceasefires by most paramilitary organisations and the complete decommissioning of their weapons, the reform of the police, and the corresponding withdrawal of army troops from the streets and from sensitive border areas such as South Armagh and Fermanagh, as agreed by the signatories to the Belfast Agreement (commonly known as the "Good Friday Agreement"). This reiterated the long-held British position, which had never before been fully acknowledged by successive Irish governments, that Northern Ireland will remain within the United Kingdom until a majority votes otherwise. The Constitution of Ireland was amended in 1999 to remove a claim of the "Irish nation" to sovereignty over the whole of Ireland (in Article 2), a claim qualified by an acknowledgement that Ireland could only exercise legal control over the territory formerly known as the Irish Free State. The new Articles 2 and 3, added to the Constitution to replace the earlier articles, implicitly acknowledge that the status of Northern Ireland, and its relationships within the rest of the United Kingdom and with Ireland, would only be changed with the agreement of a majority of voters in both jurisdictions (Ireland voting separately). This aspect was also central to the Belfast Agreement which was signed in 1998 and ratified by referendums held simultaneously in both Northern Ireland and the Republic. At the same time, the British Government recognised for the first time, as part of the prospective, the so-called "Irish dimension": the principle that the people of the island of Ireland as a whole have the right, without any outside interference, to solve the issues between North and South by mutual consent. The latter statement was key to winning support for the agreement from nationalists and republicans. It also established a devolved power-sharing government within Northern Ireland, which must consist of both unionist and nationalist parties.

These institutions were suspended by the British Government in 2002 after Police Service of Northern Ireland (PSNI) allegations of spying by people working for Sinn F?in at the Assembly (Stormontgate). The resulting case against the accused Sinn F?in member collapsed.

On 28 July 2005, the Provisional IRA declared an end to its campaign and has since decommissioned what is thought to be all of its arsenal. This final act of decommissioning was performed in accordance with the Belfast Agreement of 1998, and under the watch of the Independent International Commission on Decommissioning and two external church witnesses. Many unionists, however, remain sceptical. This IRA decommissioning is in contrast to Loyalist paramilitaries who have so far refused to decommission many weapons. It is not thought that this will have a major effect on further political progress as political parties linked to Loyalist paramilitaries do not attract significant support and will not be in a position to form part of a government in the near future. Sinn F?in, on the other hand, with their (real and perceived) links to militant republicanism, are the largest nationalist party in Northern Ireland.

Politicians elected to the Assembly at the 2003 Assembly election were called together on 15 May 2006 under the Northern Ireland Act 2006 for the purpose of electing a First Minister of Northern Ireland and a deputy First Minister of Northern Ireland and choosing the members of an Executive (before 25 November 2006) as a preliminary step to the restoration of devolved government in Northern Ireland.

Following the election held on 7 March 2007, devolved government returned to Northern Ireland on 8 May 2007 with Democratic Unionist Party (DUP) leader Ian Paisley and Sinn F?in deputy leader Martin McGuinness taking office as First Minister and deputy First Minister, respectively. The current First Minister is Peter Robinson, having taken over as leader of the Democratic Unionist Party, and the current deputy First Minister is Martin McGuinness of Sinn F?in.

Politics

Background

The main political divide in Northern Ireland is between Unionists or Loyalists who wish to see Northern Ireland continue as part of the United Kingdom and Nationalists or Republicans who wish to see Northern Ireland join the rest of Ireland, independent from the United Kingdom. These two opposing views are linked to deeper cultural divisions. Unionists are overwhelmingly Protestant, descendants of mainly Scottish, English, Welsh and Huguenot settlers as well as Old Gaelic Irishmen who had converted to one of the Protestant denominations. Nationalists are predominantly Catholic and descend from the population predating the settlement, with a minority from Scottish Highlanders as well as some converts from Protestantism. Discrimination against nationalists under the Stormont government (1921?1972) gave rise to the nationalist civil rights movement in the 1960s.

Some Unionists argue that any discrimination was not just due to religious or political bigotry, but also the result of more complex socio-economic, socio-political and geographical factors. Whatever the cause, the existence of discrimination, and the manner in which Nationalist anger at it was handled, were a major contributing factor which led to the long-running conflict known as the Troubles. The political unrest went through its most violent phase between 1968 and 1994.

As of 2007, 36% of the population define themselves as Unionist, 24% as Nationalist and 40% define themselves as neither. According to a 2009 opinion poll, 69% express longterm preference of the maintenance of Northern Ireland's membership of the United Kingdom (either directly ruled or with devolved government), while 21% express a preference for membership of a united Ireland. This discrepancy can be explained by the overwhelming preference among Protestants to remain a part of the UK (91%), while Catholic preferences are spread across a number of solutions to the constitutional question including remaining a part of the UK (47%), a united Ireland (40%), Northern Ireland becoming an independent state (5%), and those who "don't know" (5%).

Official voting figures, which reflect views on the "national question" along with issues of candidate, geography, personal loyalty and historic voting patterns, show 54% of Northern Ireland voters vote for Pro-Unionist parties, 42% vote for Pro-Nationalist parties and 4% vote "other". Opinion polls consistently show that the election results are not necessarily an indication of the electorate's stance regarding the constitutional status of Northern Ireland.

Most of the population of Northern Ireland are at least nominally Christian. The ethno-political loyalties are allied, though not absolutely, to the Roman Catholic and Protestant denominations and these are the labels used to categorise the opposing views. This is, however, becoming increasingly irrelevant as the Irish Question is very complicated. Many voters (regardless of religious affiliation) are attracted to Unionism's conservative policies, while other voters are instead attracted to the traditionally leftist, nationalist Sinn F?in and Social Democratic and Labour Party (SDLP) and their respective party platforms for Democratic Socialism and Social Democracy.

For the most part, Protestants feel a strong connection with Great Britain and wish for Northern Ireland to remain part of the United Kingdom. Many Catholics however, generally aspire to a United Ireland or are less certain about how to solve the constitutional question. In the 2009 survey by Northern Ireland Life and Times, 47% of Northern Irish Catholics supported Northern Ireland remaining a part of the United Kingdom, either by direct rule (8%) or devolved government (39%).

Protestants have a slight majority in Northern Ireland, according to the latest Northern Ireland Census. The make-up of the Northern Ireland Assembly reflects the appeals of the various parties within the population. Of the 108 MLAs, 55 are Unionists and 44 are Nationalists (the remaining nine are classified as "other").

Governance

Since 1998, Northern Ireland has devolved government within the United Kingdom. The UK Government and UK Parliament are responsible for reserved and excepted matters. Reserved matters are a list of policy area (such as civil aviation, units of measurement, and human genetics), which Parliament may devolve to Northern Ireland Assembly at some time in future. Excepted matters (such as international relations, taxation and elections) are never expected to be considered for devolution. On all other matters, the Northern Ireland Executive together with the 108-member Northern Ireland Assembly may legislate and govern for Northern Ireland. Additionally, devolution in Northern Ireland is dependent upon participation by members of the Northern Ireland executive in the North/South Ministerial Council, which co-ordinates areas of co-operation (such as agriculture, education and health) between Northern Ireland and the Republic of Ireland.

Elections to the Northern Ireland Assembly are by single transferable vote with six representatives (Member of the Legislative Assembly, MLAs) elected from 18 parliamentary constituencies. Eighteen representatives to the lower house of the UK parliament (Members of Parliament, MPs) are elected from the same constituencies using the first-past-the-post system. However, not all of these take their seats. Sinn F?in MPs, currently five, refuse to take the oath to serve the Queen that is required of all MPs. In addition, the upper house of the UK parliament, the House of Lords, currently has some 25 appointed members from Northern Ireland. Northern Ireland itself forms a single constituency for elections to the European Union.

The Northern Ireland Office represents the UK government in Northern Ireland on reserved matters and represents Northern Ireland's interests within the UK Government. Additionally, the Government of Ireland also has the right to "put forward views and proposals" on non-devolved matters in relation to Northern Ireland. The Northern Ireland office is led by the Secretary of State for Northern Ireland, who sits in the Cabinet of the United Kingdom.

Northern Ireland is a distinct legal jurisdiction, separate the two other jurisdictions in the United Kingdom (England and Wales and Scotland). Northern Ireland law developed from Irish law that existed before the partition of Ireland in 1921. Northern Ireland is a common law jurisdiction and although its common law is similar to that in England and Wales. However, there are some important differences in law and procedure between Northern Ireland and England and Wales. The body of statute law law affecting Northern Ireland reflects the history of Northern Ireland, including Acts of the Parliament of the United Kingdom, the Northern Ireland Assembly, the former Parliament of Northern Ireland and the Parliament of Ireland, along with some Acts of the Parliament of England and of the Parliament of Great Britain that were extended to Ireland under Poynings' Law between 1494 and 1782.

Citizenship and identity

Several studies and surveys performed between 1971 and 2006 have indicated that, in general, Protestants in Northern Ireland see themselves primarily as British, whereas Roman Catholics regard themselves primarily as Irish. This does not however account for the complex identities within Northern Ireland, given that many of the population regard themselves as "Ulster" or "Northern Irish", either as a primary or secondary identity.

A 2008 survey found that 57% of Protestants described themselves as British, while 32% identified as Northern Irish, 6% as Ulster and 4% as Irish. Compared to a similar survey carried out in 1998, this shows a fall in the percentage of Protestants identifying as British and Ulster, and a rise in those identifying as Northern Irish. The 2008 survey found that 61% of Catholics described themselves as Irish, with 25% identifying as Northern Irish, 8% as British and 1% as Ulster. These figures were largely unchanged from the 1998 results.

People born in Northern Ireland are, with some exceptions, deemed by UK law to be citizens of the United Kingdom. They are also, with similar exceptions, entitled to be citizens of Ireland. This entitlement was reaffirmed in the 1998 Good Friday Agreement between the British and Irish governments, which provides that:

"...it is the birthright of all the people of Northern Ireland to identify themselves and be accepted as Irish or British, or both, as they may so choose, and accordingly [the two governments] confirm that their right to hold both British and Irish citizenship is accepted by both Governments and would not be affected by any future change in the status of Northern Ireland.''

As a result of the Agreement, the Constitution of the Republic of Ireland was amended. The current wording provides that people born in Northern Ireland are entitled to be Irish citizens on the same basis as people from any other part of the island of Ireland.

Neither government, however, extends its citizenship to all persons born in Northern Ireland. Both governments exclude some people born in Northern Ireland, in particular persons born without one parent who is a British or Irish citizen. The Irish restriction was given effect by the Twenty-seventh amendment to the Irish Constitution in 2004. The position in UK nationality law is that most of those born in Northern Ireland are UK nationals, whether or not they so choose. Renunciation of British citizenship requires the payment of a fee, currently ?229.

Geography and climate

Northern Ireland was covered by an ice sheet for most of the last ice age and on numerous previous occasions, the legacy of which can be seen in the extensive coverage of drumlins in Counties Fermanagh, Armagh, Antrim and particularly Down. The centrepiece of Northern Ireland's geography is Lough Neagh, at the largest freshwater lake both on the island of Ireland and in the British Isles. A second extensive lake system is centred on Lower and Upper Lough Erne in Fermanagh. The largest island of Northern Ireland is Rathlin, off the north Antrim coast. Strangford Lough is the largest inlet in the British Isles, covering .

There are substantial uplands in the Sperrin Mountains (an extension of the Caledonian fold mountains) with extensive gold deposits, granite Mourne Mountains and basalt Antrim Plateau, as well as smaller ranges in South Armagh and along the Fermanagh?Tyrone border. None of the hills are especially high, with Slieve Donard in the dramatic Mournes reaching , Northern Ireland's highest point. Belfast's most prominent peak is Cavehill. The volcanic activity which created the Antrim Plateau also formed the eerily geometric pillars of the Giant's Causeway on the north Antrim coast. Also in north Antrim are the Carrick-a-Rede Rope Bridge, Mussenden Temple and the Glens of Antrim.

The Lower and Upper River Bann, River Foyle and River Blackwater form extensive fertile lowlands, with excellent arable land also found in North and East Down, although much of the hill country is marginal and suitable largely for animal husbandry.

The valley of the River Lagan is dominated by Belfast, whose metropolitan area includes over a third of the population of Northern Ireland, with heavy urbanisation and industrialisation along the Lagan Valley and both shores of Belfast Lough.

The whole of Northern Ireland has a temperate maritime climate, rather wetter in the west than the east, although cloud cover is persistent across the region. The weather is unpredictable at all times of the year, and although the seasons are distinct, they are considerably less pronounced than in interior Europe or the eastern seaboard of North America. Average daytime maximums in Belfast are in January and in July. The damp climate and extensive deforestation in the 16th and 17th centuries resulted in much of the region being covered in rich green grassland. The highest maximum temperature recorded was at Knockarevan, near Garrison, County Fermanagh on 30 June 1976 and at Belfast on 12 July 1983. The lowest minimum temperature recorded was at Castlederg, County Tyrone on 23 December 2010.

Counties

Northern Ireland consists of six historic counties: County Antrim, County Armagh, County Down, County Fermanagh, County Londonderry, County Tyrone

These counties are no longer used for local government purposes; instead there are twenty-six districts of Northern Ireland which have different geographical extents, even in the case of those named after the counties from which they derive their name. Fermanagh District Council most closely follows the borders of the county from which it takes its name. Most districts are based around large towns, for instance Coleraine Borough Council derives its name from the town of Coleraine in County Londonderry.

Although counties are no longer used for governmental purpose, they remain a popular means of describing where places are. They are officially used while applying for an Irish passport, which requires one to state one's county of birth. The name of county then appears in both Irish and English on the passport's information page, as opposed to the town or city of birth on the United Kingdom passport. The Gaelic Athletic Association still uses the counties as its primary means of organisation and fields representative teams of each GAA county. The original system of car registration numbers largely based on counties still remains in use. In 2000 the telephone numbering system was restructured into an 8 digit scheme with the first digit reflecting the county.

The county boundaries still appear on Ordnance Survey of Northern Ireland Maps and the Phillips Street Atlases, among others. With their decline in official use, there is often confusion surrounding towns and cities which lie near county boundaries, such as Belfast and Lisburn, which are split between counties Down and Antrim (the majorities of both cities, however, are in Antrim).

Symbols

Northern Ireland comprises a patchwork of communities whose national loyalties are represented in some areas by flags flown from flagpoles or lamp posts. The Union Flag and the former Northern Ireland flag are flown in some loyalist areas, and the Tricolour, adopted by republicans as the flag of Ireland in 1848, is flown in some republican areas. Even kerbstones in some areas are painted red-white-blue or green-white-orange, depending on whether local people express unionist/loyalist or nationalist/republican sympathies.

The official flag is that of the state having sovereignty over the territory, i.e. the Union Flag. The former Northern Ireland flag, also known as the "Ulster Banner" or "Red Hand Flag", is a banner derived from the coat of arms of the Government of Northern Ireland until 1972. Since 1972, it has had no official status. The Union Flag and the Ulster Banner are used exclusively by unionists. UK flags policy states that in Northern Ireland, "The Ulster flag and the Cross of St Patrick have no official status and, under the Flags Regulations, are not permitted to be flown from Government Buildings."

The Irish Rugby Football Union and the Church of Ireland have used the Saint Patrick's Saltire or "Cross of St Patrick". This red X on a white field was created in the 18th century and was used to represent Ireland in the flag of the United Kingdom of Britain and Ireland. It is still used by some British army regiments. Foreign flags are also found, such as the Palestinian flags in some Nationalist areas and Israeli flags in some Unionist areas.

The United Kingdom national anthem of "God Save the Queen" is often played at state events in Northern Ireland. At the Commonwealth Games and some other sporting events, the Northern Ireland team uses the Ulster Banner as its flag - notwithstanding its lack of official status - and the Londonderry Air (usually set to lyrics as Danny Boy), which also has no official status, as its national anthem. The Northern Ireland football team also uses the Ulster Banner as its flag but uses "God Save The Queen" as its national anthem. Major Gaelic Athletic Association matches are opened by the Irish national anthem, "Amhr?n na bhFiann (The Soldier's Song)", which is also used by most other all-Ireland sporting organisations. Since 1995, the Ireland rugby union team has used a specially commissioned song, "Ireland's Call" as the team's anthem. The Irish national anthem is also played at Dublin home matches, being the anthem of the host country.

Northern Irish murals have become well-known features of Northern Ireland, depicting past and present divisions, both also documenting peace and cultural diversity. Almost 2,000 murals have been documented in Northern Ireland since the 1970s (see Conflict Archive on the Internet/Murals).

Alternative names

Many people inside and outside Northern Ireland use other names for Northern Ireland, depending on their point of view. Disagreement on names, and the reading of political symbolism into the use or non-use of a word, also attaches itself to some urban centres. The most famous example is whether Northern Ireland's second city should be called "Derry" or "Londonderry".

Choice of language and nomenclature in Northern Ireland often reveals the cultural, ethnic and religious identity of the speaker. The first Deputy First Minister of Northern Ireland, Seamus Mallon, was criticised by unionist politicians for calling the region the "North of Ireland" while Sinn F?in has been criticised in some Irish newspapers for still referring to the "Six Counties".

Those who do not belong to any group but lean towards one side often tend to use the language of that group. Supporters of unionism in the British media (notably the Daily Telegraph and the Daily Express) regularly call Northern Ireland "Ulster". Some nationalist and republican-leaning media outlets in Ireland almost always use "North of Ireland", "the North" or the "Six Counties".

Government and cultural organisations in Northern Ireland, particularly those pre-dating the 1980s, often use the word "Ulster" in their title; for example, the University of Ulster, the Ulster Museum, the Ulster Orchestra, and BBC Radio Ulster.

Although some news bulletins since the 1990s have opted to avoid all contentious terms and use the official name, Northern Ireland, the term "the North" remains commonly used by broadcast media in the Republic, to the annoyance of some Unionists. Bertie Ahern, the former Taoiseach, now almost always refers to "Northern Ireland" in public, having previously only used "the North". For Northern Ireland's second largest city, broadcasting outlets which are unaligned to either community and broadcast to both use both names interchangeably, often starting a report with "Londonderry" and then using "Derry" in the rest of the report. However, within Northern Ireland, print media which are aligned to either community (the News Letter is aligned to the unionist community while the Irish News is aligned to the nationalist community) generally use their community's preferred term. British newspapers with unionist leanings, such as the Daily Telegraph, usually use the language of the unionist community. However the more left-wing Guardian recommends in its style guide using "Derry" and "County Derry", and "not Londonderry".

The division in nomenclature is sometimes seen in the names of organisations associated with one or other of the main communities, but there are numerous exceptions. In Gaelic games, followed mainly by nationalists, the GAA county is "Derry", but in sports followed mainly by unionists, clubs tend to avoid the use of "Londonderry" in favour of more precise locales (Glendermott Cricket Club) or neutral terms (Foyle Hockey Club). "Derry" is also used in the names of both the Church of Ireland and Roman Catholic dioceses, and by one of the largest Protestant fraternal societies, the Apprentice Boys of Derry. There is no agreement on how to decide on a name. When the nationalist-controlled local council voted to rename the city "Derry" unionists objected, stating that as it owed its city status to a Royal Charter, only a charter issued by the Queen could change the name. The Queen has not intervened on the matter and thus the council is now called the Derry City Council while the city is still officially Londonderry. Nevertheless, the council has printed two sets of stationery ? one for each term ? and its policy is to reply to correspondence using whichever term the original sender used.

At times of high communal tension, each side regularly complains of the use of the nomenclature associated with the other community by a third party such as a media organisation, claiming such usage indicates evident "bias" against their community.

;Unionist/Loyalist Ulster, strictly speaking, refers to the province of Ulster, of which six of nine historical counties are in Northern Ireland. The term "Ulster" is widely used by the Unionist community and the British press as shorthand for Northern Ireland, and is also favoured by Ulster nationalists. In the past, calls have been made for Northern Ireland's name to be changed to Ulster. This proposal was formally considered by the Government of Northern Ireland in 1937 and again in 1949 but no change was made.

The Province refers literally to the historic Irish province of Ulster but today is used by some as shorthand for Northern Ireland. The BBC, in its editorial guidance for Reporting the United Kingdom, states that "the Province" is an appropriate secondary synonym for Northern Ireland, while "Ulster" is not. It also suggests that "people of Northern Ireland" should be preferred to "British", and the term "mainland" should be avoided in reference to Great Britain in relation to Northern Ireland.

;Nationalist/Republican North of Ireland (Tuaisceart na h?ireann) or North-East Ireland (Oirthuaisceart ?ireann)- to emphasise the link of Northern Ireland to the rest of the island, and so by implication playing down Northern Ireland's links with Great Britain.

The Six Counties (na S? Chontae) ? language used by republicans e.g. Sinn F?in, which avoids using the name given by the British-enacted Government of Ireland Act 1920. (The Republic is similarly described as the Twenty-Six Counties.) Some of the users of these terms contend that using the official name of the region would imply acceptance of the legitimacy of the Government of Ireland Act.

The Occupied Six Counties. The state of Ireland, whose legitimacy is not recognised by republicans opposed to the Belfast Agreement, is described as "The Free State", referring to the Irish Free State, which gained independence (as a Dominion) in 1922.

British-Occupied Ireland. Similar in tone to the Occupied Six Counties this term is used by more dogmatic anti-Good Friday Agreement republicans who still hold that the First D?il was the last legitimate government of Ireland and that all governments since have been foreign imposed usurpations of Irish national self-determination.

Fourth Green Field (An Cheathr? Gort Glas). From the song Four Green Fields by Tommy Makem which describes Ireland as divided with one of the four green fields (the traditional provinces of Ireland) being "In strangers' hands", referring to the partition of Ireland.

;Other The North (An Tuaisceart) ? used to describe Northern Ireland in the same way that "The South" is used to describe the Republic. Norn Iron ? is an informal and affectionate local nickname used by both nationalists and unionists to refer to Northern Ireland, derived from the pronunciation of the words "Northern Ireland" in an exaggerated Ulster accent (particularly one from the Greater Belfast area). The phrase is seen as a light-hearted way to refer to Northern Ireland, based as it is on regional pronunciation. Often refers to the Northern Ireland national football team.

Descriptions

There is no generally accepted term to describe what Northern Ireland is: province, region, country or something else. The choice of term can be controversial and can reveal the writer's political preferences. This has been noted as a problem by several writers on Northern Ireland, with no generally recommended solution.

Owing in part to the way in which the United Kingdom and Northern Ireland came into being, there is no legally defined term to describe what Northern Ireland 'is'. There is also no uniform or guiding way to refer to Northern Ireland amongst the agencies of the UK government. For example, the websites of the Office of the Prime Minister of the United Kingdom and the UK Statistics Authority describe the United Kingdom as being made up of four countries, one of these being Northern Ireland. Other pages on the same websites refer to Northern Ireland specifically as a "province" as do publications of the UK Statistics Authority. The website of the Northern Ireland Statistics and Research Agency also refers to Northern Ireland as being a province as does the website of the Office of Public Sector Information and other agencies within Northern Ireland. Publications of HM Treasury and the Department of Finance and Personnel of the Northern Ireland Executive, on the other hand, describe Northern Ireland as being a "region of the UK". The UK's submission to the 2007 United Nations Conference on the Standardization of Geographical Names defines the UK as being made up of two countries (England and Scotland), one principality (Wales) and one province (Northern Ireland).

Unlike England, Scotland and Wales, Northern Ireland has no history of being an independent country or of being a nation in its own right. Some writers describe the United Kingdom as being made up of three countries and one province or point out the difficulties with calling Northern Ireland a country. Authors writing specifically about Northern Ireland dismiss the idea that Northern Ireland is a "country" in general terms, and draw contrasts in this respect with England, Scotland and Wales. Even for the period covering the first 50 years of Northern Ireland's existence, the term country is considered inappropriate by some political scientists on the basis that many decisions were still made in London. The absence of a distinct nation of Northern Ireland, separate within the island of Ireland, is also pointed out as being a problem with using the term and is in contrast to England, Scotland and Wales.

Many commentators prefer to use the term "province", although that is also not without problems. It can arouse irritation, particularly among nationalists, for whom the title province is properly reserved for the traditional province of Ulster, of which Northern Ireland occupies six out of nine counties. The BBC style guide is to refer to Northern Ireland as a province, and use of the term is common in literature and newspaper reports on Northern Ireland and the United Kingdom. Some authors have described the meaning of this term as being equivocal: referring to Northern Ireland as being a province both of the United Kingdom and of the traditional country of Ireland.

"Region" is used by several UK government agencies and the European Union. Some authors choose this word but note that it is "unsatisfactory". Northern Ireland can also be simply described as "part of the UK", including by UK government offices.

Economy

The Northern Ireland economy is the smallest of the four economies making up the United Kingdom. Northern Ireland has traditionally had an industrial economy, most notably in shipbuilding, rope manufacture and textiles, but most heavy industry has since been replaced by services, primarily the public sector.

Tourism also plays a big role in the local economy. More recently the economy has benefited from major investment by many large multi-national corporations into high tech industry. These large organisations are attracted by government subsidies and the skilled workforce in Northern Ireland.

The local economy has seen contraction during the recent global economic downturn, in response the Northern Ireland Assembly has sent trade missions to countries including the USA, India and plan to visit China. Along with this, the Assembly are in discussion with the Chancellor of the Exchequer George Osbourne in order to gain taxation powers, which would enable the Northern Ireland Corporation Tax rate to be reduced in line with that of the Republic of Ireland.

Transport

Northern Ireland is served by three airports ? Belfast International near Antrim, George Best Belfast City integrated into the railway network at Sydenham in East Belfast, and City of Derry in County Londonderry.

Major sea ports at Larne and Belfast carry passengers and freight between Great Britain and Northern Ireland.

Passenger railways are operated by Northern Ireland Railways. With Iarnrod ?ireann (Irish Rail), Northern Ireland Railways co-operates in providing the joint Enterprise service between Dublin Connolly and Belfast Central. Main railway lines linking to and from Belfast Great Victoria Street railway station and Belfast Central are:

  • The Derry Line and the Portrush Branch.
  • The Larne Line
  • The Bangor Line
  • The Portadown Line
  • Main motorways are:

  • M1 connecting Belfast to the south and west, ending in Dungannon
  • M12 connecting the M1 to Portadown
  • M2 connecting Belfast to the north. An unconnected section of the M2 also by-passes Ballymena
  • M22 connecting the M2 to near Randalstown
  • M3 connecting the M1 and M2 in Belfast with the A2 dual carriageway to Bangor
  • M5 connecting Belfast to Newtownabbey
  • The cross-border road connecting the ports of Larne in Northern Ireland and Rosslare Harbour in the Republic of Ireland is being upgraded as part of an EU-funded scheme. European route E01 runs from Larne through the island of Ireland, Spain and Portugal to Seville.

    Demography

    {{bar box |title= Religion in Northern Ireland |titlebar=#ddd |left1=Religion |right1=Percent |float=right |bars= |caption=* Church of Ireland, Presbyterian Church in Ireland and others }} The population of Northern Ireland has increased annually since 1978. The population in 2010 was estimated to be just under 1.8 million, up from just under 1.7 million in the 2001 UK census. This constitutes just under 3% of the population of the United Kingdom (62 million) and just over 28% of the population of the island of Ireland (6.3 million).

    In terms of ethnicity, the population of Northern Ireland is almost entirely white (99.15%). 91% of people are Northern Ireland born, with 4.8% being born elsewhere in the UK and 2.3% being born in the Republic of Ireland. Irish Travellers accounted for 0.1% of the population. The largest non-white ethnic groups were Asians (0.4%), of which Chinese accounted for 60.7%, Indian for 23% and Pakistani for 9.8% of the total. Black people of various origins accounted for 0.06% of the population of Northern Ireland and people of mixed ethnicity accounted for 0.2%.

    In the 2001 census, 45.6% of the population identified as belonging to Protestant or other non-Roman Catholic denominations. The largest of these denominations were the Presbyterian Church in Ireland and the Church of Ireland and the Methodist Church in Ireland being 20.7%, 15.3% and 3.5% of the total population respectively. The largest single denominations is the Roman Catholic Church, to which is the 40.3% of the population identified. Additionally, 6.1% of the population are Christian or Christian related and 0.3% identified with non-Christian religions, while 13.9% identified with no religion. In terms of community background (i.e. one's own religion or the religion one was brought up in), 53.1% of the Northern Ireland's population came from a Protestant background, 43.8% came from a Catholic background, 0.4% from non-Christian backgrounds and 2.7% non-religious backgrounds in the same census.

    Languages

    English is spoken as a first language by almost all of the Northern Ireland population. It is the de facto official language and the Administration of Justice (Language) Act (Ireland) 1737 prohibits the use of languages other than English in legal proceedings.

    Under the Good Friday Agreement, Irish and Ulster Scots (Ulster dialects of the Scots language), sometimes known as Ullans, are recognised as "part of the cultural wealth of Northern Ireland". Two all-island bodies for the promotion of these were created under the Agreement: the Ulster Scots Agency, which promotes the Ulster Scots dialect and culture, and Foras na Gaeilge, which promotes the Irish language. These operate separately under the aegis of the North/South Language Body, which reports to the North/South Ministerial Council.

    The British government in 2001 ratified the European Charter for Regional or Minority Languages. Irish (in Northern Ireland) was specified under Part III of the Charter, with a range of specific undertakings in relation to education, translation of statutes, interaction with public authorities, the use of placenames, media access, support for cultural activities and other matters. A lower level of recognition was accorded to Ulster Scots, under Part II of the Charter.

    English

    The dialect of English spoken in Northern Ireland shows influence from the lowland Scots language. There are supposedly some minute differences in pronunciation between Protestants and Catholics, the best known of which is the name of the letter h, which Protestants tend to pronounce as "aitch", as in British English, and Catholics tend to pronounce as "haitch", as in Hiberno-English. However, geography is a much more important determinant of dialect than religious background.

    Irish

    The Irish language (), or Gaelic, is the native language of the island of Ireland. It was spoken predominantly throughout what is now Northern Ireland before the Ulster Plantations in the 17th century and most place names in Northern Ireland are anglicised versions of a Gaelic name. Today, the language is associated with Irish nationalism (and thus with the Catholic community). However, in the 19th century, the language was seen as a common heritage, with Ulster Protestants playing a leading role in the Gaelic revival.

    In the 2001 census, 10% of the population of Northern Ireland claimed "some knowledge of Irish" and 4.7% reported being able to "speak, read, write and understand" Irish. In another survey, from 1999, 1% of respondents said they spoke it as their main language at home.

    The dialect spoken in Northern Ireland, Ulster Irish or Donegal Irish, is the one closest to Scottish Gaelic (which developed into a separate language from Irish Gaelic in the 17th century). Some words and phrases are shared with Scots Gaelic, and the dialects of east Ulster ? those of Rathlin Island and the Glens of Antrim ? were very similar to the dialect of Argyll, the part of Scotland nearest to Northern Ireland.

    Use of the Irish language in Northern Ireland today is politically sensitive. The erection by some district councils of bilingual street names in both English and Irish, invariably in predominantly nationalist districts, is resisted by unionists who claim that it creates a "chill factor" and thus harms community relationships. Efforts by members of the Northern Ireland Assembly to legislate for some official uses of the language have failed to achieve the required cross-community support, and the UK government has declined to legislate.

    Ulster Scots

    Ulster Scots comprises varieties of the Scots language spoken in Northern Ireland. For a native English speaker, "[Ulster Scots] is comparatively accessible, and even at its most intense can be understood fairly easily with the help of a glossary."

    Along with the Irish language, the Good Friday Agreement recognised the dialect as part of Northern Ireland's unique culture and the St Andrews Agreement recognised the need to "enhance and develop the Ulster Scots language, heritage and culture".

    Approximately 2% of the population claim to speak Ulster Scots. However, the number speaking it as their main language in their home is negligible.

    Sign languages

    The most common sign language in Northern Ireland is Northern Ireland Sign Language (NISL). However, since, in the past, Catholic families tended to send their deaf children to schools in Dublin, Irish Sign Language (ISL) is commonly used among many older deaf people from Catholic families.

    Irish Sign Language (ISL) has some influence from the French family of sign language, which includes American Sign Language (ASL). NISL takes a large component from the British family of sign language (which also includes Auslan) with many borrowings from ASL. It is described as being related to Irish Sign Language at the syntactic level while the lexicon is based on British Sign Language (BSL) and ASL.

    the British Government recognises only British Sign Language and Irish Sign Language as the official sign languages used in Northern Ireland.

    Culture