zero commission on turnover ( cot ) , according to the central bank of nigeria ( cbn ) , is the removal of commission on all customer-induced debit transactions by deposit money banks ( dmbs ) in the country .

the zero cot commenced in nigeria on 1 january 2016 .

the cbn through the revised guide to bank charges ( rgbc ) of 1 april 2013 , provides gradual steps towards the application of this policy .

the guide stipulated a phase-out plan from = n = 3 ( 2013 ) , to = n = 2 ( 2014 ) , to = n = 1 ( 2015 ) and = n = 0 ( 2016 ) .

also , the policy permits customers to negotiable cot in each of the relevant year subject to the maximum stated in the plan .

zero cot

the house of representatives has mandated the central bank to immediately ensure full implementation of zero cot by commercial banks .
) , the resolution of cot analysis ( and subsequently cot - based cloning ) could be increased .
banks’ revenues will drop by about n100 bilion this year , with the implementation of the zero commission on transactions ( cot ) policy .
banks’ revenues will drop by about n100 billion this year , with the implementation of the zero commission on transactions ( cot ) policy .
the lawmakers further told his colleagues that the cbn zero cot policy , which according to him , is in tandem with international best practices , is not being implemented by commercial banks because the apex bank has not issued any formal circular directing implementation of the zero cot .
nigerian banks may lose up to n100 billion in revenue following the introduction of the zero commission on transactions ( cot ) policy in 2016 .
access bank has a gold current account with zero cot , have been running it for more than a year and have not had any regrets .
house of representatives which urged compliance within 30 days , further tasked the financial regulator to ensure full implementation of the zero cot by commercial banks .
“a number of banks have been using cot to drive patronage . what the banks will lose through implementing the zero cot , they will always find a way of getting it elsewhere , ’’ ekundayo said .
by odunewu segun commercial banks in the country are said to be bracing up for the effect of the full implementation of the zero cot . . .
it was gathered that the order is a consequence of the alleged failure of banks to comply with the cbn’s directive on zero cot . apparently dismayed by the development , the house , which urged compliance within 30 days , further directed the cbn to ensure full implementation of the zero cot by commercial banks .
some banks had continued to charge above the n1 per n1 , 000 turnover that was effective from january this year , while some others already have accounts with zero cot . revenue from cot will now be shut down from january 2016 .
in all cot analyses , a certain fraction of the dna forms duplexes even at cot values approaching zero . such early renaturation is thought to be due to base pairing between complementary sequences on the same dna molecule ( i . e . ,
the cbn had last year revealed plans to start a gradual phasing out of cot in the country in the revised guideline which introduced a gradual reduction of cot from n5 per mille in early 2013 to n3 per mille , n2 per mille in 2014 , n1 per mile in 2015 and zero cot in 2016 .
he acknowledged that zero cot would exert some pressure on dmbs at the level of implementation , but stated that the money banks knew how to make it up from other sources .
deposit money banks ( dmbs ) operating in the country are to face revenue challenges as central bank of nigeria begins zero commission on turnover ( cot ) as from january 2016 .
the “guide to bank charges” implementation , which started in march 2013 , has seen the cot gradually drop to n3 per mille in 2013 ; n2 per mille in 2014 ; and n1 per mille in 2015 to zero cot per mille started on january 1 .
recall that the “guide to bank charges” implementation started in march 2013 and the cot gradually dropped to n3 per mille in 2013 ; n2 per mille in 2014 ; and n1 per mille in 2015 to zero cot per mille started on january 1 , 2016 .
it finally dropped from n1 per n1 , 000 in 2015 to zero cost on jan . 1 , 2016 .
according to him , available records show that more than 60 per cent of the money in the economy is outside the banking network , a development which can be addressed by the zero cot policy .
there is uneasy calm in nigeria ' s banking industry as the implementation of the zero commission on transactions ( cot ) policy by the central bank of nigeria ( cbn ) will commence this year .
he said the zero cot policy , which is meant to alleviate the suffering of citizens , boost the economy by encouraging transactions through the banks , is not being implemented to the detriment of the economy .
mr . awolowo said the zero oil plan proposes quantum increments to production outputs for 11 products cutting across solid . . .
according nigerian newsdirect investigation , some financial institutions in the country have failed to abide with the cot instruction issued by cbn guide on bank charges issued last year . some dmbs are still charging n3 per mille , while some others have begun the phase two of the road to zero cot .
the central bank of nigeria ( cbn ) has indirectly reintroduced commission on turnover ( cot ) fee as current account maintenance ( cam ) fee . recall that the cbn in 2013 commenced phased reduction of cot which terminated with zero cot charge this year . but in a circular to banks last week signed by director , financial policy & regulation department , mr . kevin amugo , the cbn replaced the cot with cat but subject to maximum of n1 per n1000 ( mille ) .
lagos – a former president of chartered institute of bankers of nigeria ( cibn ) , mr femi ekundayo , has lauded the central bank of nigeria ( cbn ) for the zero commission on turnover ( cot ) policy .
suitable from day one up to a maximum weight of 20kg , the oyster zero buggy is an ultra versatile pick for busy parents .
. the sections of the cot curve used for cloning ( i . e . , roughly the two cot decade regions flanking the cot½ value of each component ) are shown in figure
leading debate on the motion , pwajok , quoting from the “guide to bank charges” , said “cot was reduced to n3 per n1 , 000 in 2013 , n2 per n1 , 000 in 2014 and n1 per n1 , 000 in 2015 while it will be phased out in 2016 . ” the lawmaker told the house that the zero cot policy , which is meant to alleviate the suffering of citizens and boost the economy by encouraging transactions through the banks , is not being implemented to the detriment of the economy . he further told his colleagues that the cbn zero cot policy which , according to him , is in tandem with international best practices , is not being implemented by commercial banks allegedly because the cbn has not issued any formal circular directing implementation of the zero cot .
we propose “cot - based cloning and sequencing” ( cbcs ) as a means to capture the sequence complexity of a genome in a manner independent of methylation . in cbcs , isolated kinetic components are cloned to produce cot libraries , and clones from each library are sequenced using high - throughput methods . to obtain comparable sequence complexity coverage for different cot components , cot clones from each cot library are sequenced in proportion to the kinetic complexity of the component from which they were derived .
) . regardless , to construct a cot library that is truly representative of a particular cot component , one should use a host strain with a genotype that is insensitive to dna methylation patterns .
the sorghum cot curve consists of a fast , an intermediate , and a slow reassociating component . the complete cot curve , renaturation profiles of the three cot components , and the reassociation rate ( k ) , cot½ value , kinetic complexity , and genome fraction of each component are presented in figure
goldberg rb . from cot curves to genomics . how gene cloning established new concepts in plant biology .
with the advent of molecular cloning techniques , most genome researchers abandoned cot analysis . however , the principles of nucleic acid hybridization developed through cot research form the basis of many molecular biology techniques , and information generated in cot studies remains central to current knowledge of genome structure ( for review , see goldberg 2001 ) .
overview of the steps involved in cloning hr , mr , and sl cot components . dna was denatured by heating samples in boiling water for 5–10 min . for samples in a particular sodium phosphate buffer ( spb ) , renaturation was allowed to occur at the criterion ( tm − 25°c ) unless noted otherwise ( see britten et al . 1974 for details ) . single - stranded dna ( ssdna ) and double - stranded ( dsdna ) were separated using hydroxyapatite ( hap ) chromatography . to attain the equivalent of a specific cot value when starting with an isolated cot fraction , the desired cot value should be multiplied by the fraction of the genome remaining single - stranded at the cot value of the starting material ( see hood et al . 1975 ) . this principle was employed once in the isolation of the mr component ( * ) and once in the sl component isolation ( † ) : * from the cot curve , 0 . 67 of the genome is single - stranded at a cot of 0 . 94161 . to achieve renaturation equivalent to cot 67 . 8 with whole genomic dna , the cot > 0 . 94161 dna was renatured to a cot of ( 67 . 8 × 0 . 67 = ) 45 . 4 . † from the cot curve , 0 . 28 of the genome is single - stranded at a cot of 94 . 161 . to achieve renaturation equivalent to cot 10 , 000 with whole genomic dna , the cot > 94 . 161 dna was renatured to a cot of ( 10 , 000 × 0 . 28 = ) 2800 .
the circular was titled , “introduction of negotiable current account maintenaince fee not exceeding n1 / mille . it stated , “the revised guide to bank charges ( rgbc ) which came into effect on april 1 , 2013 provides for a phased elimination of cot charges in the nigerian banking industry . under the guidelines , a zero cot regime was to come into effect from january 2016 .
by using renaturation kinetics to further purify / characterize isolated cot components into subcomponents ( i . e . ,
in our research , only double - stranded dna resulting from reassociation was used in preparing cot libraries . however , hap - fractionated single - stranded dna can be used in cot - based cloning as well . in this regard , we have taken single - stranded cot dna , generated complementary strands via the random primer method (
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investors taking part in the afrinvest equity fund initial public offer ( ipo ) are to get zero percent cost on transaction ( cot ) . godwin obaseki , chief executive officer / managing director ( ceo / md ) of afrinvest west africa ( afrinvest ) made this confirmation to proshare ni today in
it mandated banks that charged excess cot since the effective date to refund same to the affected customers or be sanctioned .
c cot clones categorized as “retroelements , ” “mites , ” and “other dispersed repeats” collectively constitute “dispersed repeat sequences . ”
) . however , chloroplast sequences were detected in less than one percent of the slcot clones and none of the hrcot clones . while chloroplast dna was not a desired end product of cot library construction , the observation that chloroplast sequences are almost exclusively limited to mrcot clones neatly illustrates the “two cot decade” principle used in the isolation of individual cot components ; that is , 80 % of the copies of a given dna sequence are contained within a span of two cot decades ( fig .
the circular mandated banks that charged excess cot since the effective date to refund same to the affected customers or be sanctioned .
banks will have to increase efforts to remain profitable and lend more to viable sectors of the economy . this follows the implementation of the treasury single account ( tsa ) which has taken government funds out of the banks and the implementation of the zero commission on turnover ( cot ) which will take effect from january 2016 .
the financial expert explained that cot was perceived in the banking industry as a source of income to deposit money banks ( dmbs ) .
the bank will deduct cot and can also withdraw foreign transfer charges . however , the beneficiaries bank may also deduct inward transfer charges .
foldback sequences could be cloned to produce a “foldback cot” ( fbcot ) library . although most foldback dna is probably repetitive in nature (
the possibility of affordably automating ( and thus standardizing ) many of the cot analysis / hap fractionation procedures is well within modern capabilities .
although some banks had stopped charging cot , some others still charge and in some cases above the stipulated n1 per mille which it was last year . also for some banks , the amount charged as cot depends on the customers’ relationship and ability to haggle with the bank .
classification of cot clones based on sequence analysis . for comparative purposes , each of the sequenced cot clones meeting the minimum sequence quality requirements ( see methods section ) was assigned to a single descriptive “blast category” based upon its significant database hits according to the classification scheme shown .
it has directed banks that charged excess cot since the effective date to refund same to the affected customers or be sanctioned . ( nan )
) . additionally , the observed percentage ( 17 % ) of random sorghum bac end sequences recognizing one or more of the 1161 sorghum cot clone sequences was found to be statistically indistinguishable from the percentage expected if the cot libraries are representative of their respective cot components ( 15 % ) . because the methods employed do not rely upon differential expression and / or methylation of sequences , cot - based cloning provides a means by which any genomic sequence ( including genes expressed at low levels or during short developmental timeframes ) can be isolated and cloned based upon its relative iteration .
m•sec ) and consequently was not included in the curve . no detectable reassociation was observed until a cot value of about 0 . 02 m•sec .
est / cdna and genomic libraries could be screened with isolated cot fractions to identify populations of clones containing probable unique and / or repetitive sequences .
the apex bank is also to see that the banks , within the next thirty days , refund all cot charges so far deducted this year .
four percent of the sorghum dna did not reassociate by the highest cot value ( 20 , 000 m•sec ) . dna that does not reassociate by such a high cot value is thought to be damaged and incapable of binding to hap ( e . g . , kiper and herzfeld 1978 ) .
the cot clone sequences also were compared to 116 sorghum bac end sequences ( h . ma , j . bowers , and a . paterson , unpubl . ) . none of the bac ends showed significant homology to slcot clones . however , 12 bac ends possessed significant homology to hrcot clones , six recognized mrcot clones , and two recognized both hrcot and mrcot clones . in total , 20 of the 116 bac ends ( 17 % ) exhibited significant homology to at least one of the 1161 sorghum cot clone sequences . assuming that the cot libraries are representative of the sequence complexities of the components from which they were prepared , a 15 % probability that any randomly selected sorghum genomic sequence will share significant sequence identity with one or more of the 1161 quality cot clones ( see the section probability of significant bac end / cot clone homology in the online supplement ) would be predicted . the observed percentage of bac ends with homology to the cot clones ( 17 % ) and predicted percentage ( 15 % ) are not significantly different ( see test of significance of a binomial proportion in the online supplement ) , suggesting that the cot libraries are reflective of their respective cot components .
beginning from january 2016 , banks are no longer expected to charge commission on turnover ( cot ) , following a gradual phase that started in 2013 .
while noting that dmbs were expected to operate optimally and attract income , he said that many of them were leveraging the cot to“ drive patronage . ’’
don ' t mind them , none of them is cot free . wait till next year as stated by cbn and you would get it free .
categories have been further divided into “subcategories . ” for each cot library , the number ( # ) and percentage ( % ) of clones in a
bacs . this basic principle will likely be used to physically map other repeat sequences . cot clone insert sequences with homology to characterized plant genes ( see table
while the goals of the present study were to investigate the feasibility / usefulness of cloning isolated cot components and further characterize the sorghum genome , cot clones could be employed in other ways . additionally , many of the experimental parameters utilized in this project could be altered to meet different research needs . for example :
the cbn had in 2013 released the guidelines which gradually phased out cot in the country . according to the guideline , cot was reduced to n3 per n1 , 000 in 2013 , n2 per n1 , 000 in 2014 and n1 per n1 , 000 this year , to be finally phased out by next year .
he said that before now , cot varied from one bank to the other , but pointed out that cbn’s financial inclusion policy was geared towards international best practice .
ãƒæ’ã†â€™ãƒâ€ ã¢â‚¬â„¢ãƒæ’ã¢â‚¬å¡ãƒâ€šã‚â¢ãƒæ’ã†â€™ãƒâ€šã‚â¢ãƒæ’ã‚â¢ãƒâ¢ã¢â‚¬å¡ã‚â¬ãƒâ€¦ã‚â¡ãƒæ’ã¢â‚¬å¡ãƒâ€šã‚â¬ãƒæ’ã†â€™ãƒâ¢ã¢â€šâ¬ã‚â¦ãƒæ’ã‚â¢ãƒâ¢ã¢â‚¬å¡ã‚â¬ãƒâ€¦ã¢â‚¬å“when we invest these funds , there would be no cot paid on any transaction we made ; which was supposed to charged the investorsãƒæ’ã†â€™ãƒâ€ ã¢â‚¬â„¢ãƒæ’ã¢â‚¬å¡ãƒâ€šã‚â¢ãƒæ’ã†â€™ãƒâ€šã‚â¢ãƒæ’ã‚â¢ãƒâ¢ã¢â‚¬å¡ã‚â¬ãƒâ€¦ã‚â¡ãƒæ’ã¢â‚¬å¡ãƒâ€šã‚â¬ãƒæ’ã†â€™ãƒâ¢ã¢â€šâ¬ã…â¡ãƒæ’ã¢â‚¬å¡ãƒâ€šã‚â he said .
the three cot libraries differ in relative sequence iteration and composition in a manner reflecting the nature of the components from which they were derived ; that is , construction of repetition - based dna libraries using cot techniques is effective . when southern blots of sorghum genomic dna were probed with randomly selected , radiolabeled cot clone inserts , those blots hybridized with hrcot sequences exhibited a mean labeling intensity ( cpm ) > 10 times that of mrcot - probed blots and > 30 times that of slcot - probed blots . detailed sequence analysis of 250–500 cot clone inserts from each of the three cot libraries revealed that the hrcot library is rich in sequences traditionally found in high - copy numbers ( e . g . , retrotransposons , rdna , centromeric repeats ) , the slcot library is enriched in sequences with homology to characterized genes and
our results suggest that cloning of isolated kinetic components is a useful and powerful means to clone genomic sequences based upon their relative iteration and to efficiently discover new dna sequences in a manner independent of expression and / or methylation patterns . the combination of cot - based cloning and high - throughput sequencing of cot libraries [ cot - based cloning and sequencing ( cbcs ) ] represents a means by which the sequence complexity of large genomes can be “captured” at a fraction of the cost of shotgun sequencing .
according to a former executive director of keystone bank , richard obire , of the annual n550 billion average revenue for the 21 banks , about n100 billion come from cot .
cot clone sequences were compared to roughly 1500 molecular markers ( see the section molecular markers in the online supplement for genbank accession numbers ) on the sorghum molecular genetic map using standard blast ( blastn ) procedures ( altschul et al . 1997 ) . the chromosomal positions of cot clones containing sequences with high sequence similarity to molecular genetic markers ( s ' ≥76 . 28 ) are shown in table c of the online supplement . bac end sequences ( n = 116 ) obtained from h . - m . ma were blast ed against the genbank dbgss database ( which contains the sorghum cot clone sequences ) . significant hits to cot clones ( s ' ≥76 . 28 ) were noted .
central bank of nigeria ( cbn ) has been mandated to order deposit money banks to refund all commission on turnover ( cot ) charges this year or face severe penalties .
for example , some banks offer accounts that are supposedly cot - free , but impose a maintenance or similar fee , ( which is ) not covered by the guide .
a former executive director of keystone bank , richard obire , explained that of the annual n550 billion average revenue for the 21 banks , about n100 billion is raked from cot .
specifically , the central bank said some banks had been overcharging customers on the commission on turnover while some lenders had also imposed illegal maintenance fees on the cot - free accounts .
“in furtherance of the mandate to promote and safeguard a sound financial system in nigeria , banks are by this circular reminded that the 2016 zero cot regime as jointly agreed during the 311th bankers committee meeting of february 12 , 2013 has come into effect . in the interest of stability of the banking system , a negotiable current account maintenance fee not exceeding n1 per mille may be charged in respect of all customer induced debit transactions . please ensure strict compliance” .
the “guide to bank charges” implementation , which started in march 2013 , has seen the cot drop to n3 per n1 , 000 in 2013 and n2 per n2 , 000 in 2014 .
hrcot , mrcot , and slcot libraries were generated from isolated cot components ( see methods for details on component isolation and cloning ) . the relative iteration of the insert dna in the three cot libraries was examined by comparing the intensity with which cot clone probes hybridized to replica southern blots of sorghum genomic dna . the average intensity of hybridization to blots incubated with radiolabeled hrcot sequences was 43 , 067 cpm ( ± 6248 ) while the average values for the mrcot and slcot blots were 3783 cpm ( ± 1419 ) and 1377 cpm ( ± 253 ) , respectively .
when a solution of denatured genomic dna is placed in an environment conducive to renaturation , the rate at which a particular sequence reassociates is proportional to the number of times it is found in the genome . this principle forms the basis of dna renaturation kinetics ( also called cot analysis ) , a technique by which the redundant nature of eukaryotic genomes was first demonstrated ( britten and kohne 1968 ; see fig . a in the online supplement to this article for a review of cot analysis , urltoken ) . in a typical renaturation kinetics study , samples of sheared genomic dna are heat - denatured and allowed to reassociate to different cot values [ cot value = the product of nucleotide concentration in moles per liter ( c 0 or co ) , reassociation time in seconds ( t ) , and , if applicable , a factor based upon the cation concentration of the buffer ; for review , see britten et al . 1974 ] . for each sample , renatured dna is separated from single - stranded dna using hydroxyapatite ( hap ) chromatography , and the percentage of the sample that has not reassociated ( % ssdna ) is determined . the logarithm of a sample ' s cot value is plotted against its corresponding % ssdna to yield a cot point , and a graph of cot points ranging from little or no reassociation until reassociation approaches completion is called a cot curve ( peterson et al . 1998 ) . mathematical analysis of a cot curve permits estimation of genome size , the proportion of the genome contained in the single - copy and repetitive dna components , and the kinetic complexity of each component . interspecific comparison of cot data has provided considerable insight into the structure and evolution of eukaryotic genomes ( e . g . , britten and kohne 1968 ; davidson et al . 1975 ; goldberg et al . 1975 ; galau et al . 1976 ; hake and walbot 1980 ; geever et al . 1989 ) .
nan reports that cot is a charge levied on customers’ withdrawals by their banks . before now , most banks charged n1 for every n1 , 000 withdrawn from by a customer from his account .
what about a situation where a costumer o a bank instruct the bank to make some transfer to another person not base in the country where the bank is found . will the widrawer pay cot ?
sequence composition of different cot libraries . black bars represent hrcot clones , white bars represent mrcot clones , and diagonally striped bars represent slcot clones . the blast group “dispersed repeat sequences” is composed of the
of the 1161 cot clone sequences used in sequence analysis , only one clone showed a significant primary hit to a mitochondrial dna sequence . this clone ( slcot4g05 ) appears to contain a portion of the
giving his opinion on the issue , a former executive director of keystone bank , richard obire , said the annual n550 billion average revenue for the 21 banks , about n100 billion is raked from cot .
) . in preparing the sorghum cot libraries , we used the promega pgem - t easy cloning kit and the accompanying host strain jm109 . while jm109 lacks functional mcra and mrr restriction systems ( it is
banks can be flexible with c . o . t charges depending on the turnover of your account . if your account regularly sees withdrawals of say n100m monthly there is every likelihood the bank can reduce its c . o . t charges to as low as 0 . 1 % or in some cases zero .
the house of representatives has mandated the central bank of nigeria ( cbn ) to order deposit money banks ( dmbs ) to refund all commission on turnover ( cot ) charges this year or face severe penalties .
. in diploid organisms , the slowest reassociating component of a cot curve generally represents single - copy dna sequences . in such cases , genome size can be estimated by comparing the k value of the slow reassociating component to
according to him , “banks operation this year might be facing huge challenges as cbn policy on general provision on loan exposure from one per cent to two per cent and the policy on cot removal might effect profitability . ”
the circular reminded all banks that the maximum cot for 2014 as contained in the guide jointly agreed between the cbn and the bankers committee ( comprising chief executives of all banks , among others ) remains n2 per mile .
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) . consequently , it is possible that certain methylated ( presumably highly repetitive ) sequences from sorghum are underrepresented in one or more of the cot libraries due to preferential restriction by the mcrbc system . however , it is likely that the relatively small size of the cot clone inserts ( ∼100–400 bp ) and the relatively large size of mcrbc recognition sites ( ≥44 bp ) substantially decreased possible effects of mcrbc during cloning . the limited effect of the mcrbc genotype on sorghum cot library construction is suggested by the observation that the highest proportion of hrcot clones showing significant hits to the genbank nr database contain sequences that are frequently methylated in plants , that is , retrotransposons (
although renaturation kinetics has long been used to characterize genomes ( britten and kohne 1968 ) , to our knowledge the present study is the first report in which cot components isolated from genomic dna have been cloned and sequenced . our results indicate that ( 1 ) the cot libraries differ with regard to sequence iteration and composition in a predictable manner , ( 2 ) most of the highly repetitive dna in the sorghum genome is found within the sequenced hrcot quality clones , ( 3 ) a previously unnamed sorghum retroelement is a major component ( and perhaps the most abundant sequence ) in both the s . bicolor and s . propinquum genomes , ( 4 ) cot clones can be used to augment the information content of both molecular and physical maps , and ( 5 ) sequencing of clones from cot libraries may represent a means by which the diversity of sequences found in a genome can be efficiently “captured” .
effective from last week friday , january 1 , 2016 , nigerian banks are expected to charge nothing as commission on turnover ( cot ) according to the gradual phase out plan of the central bank of nigeria ( cbn ) .
dna isolation , preparation , and melting analyses were performed as described ( peterson et al . 1997 , 1998 ) . cot analysis was performed according to peterson et al . ( 1998 ) except that 0 . 5 m spb was used to elute double - stranded dna from hap columns rather than 0 . 48 m spb . a least squares analysis of the cot data was performed using the computer program of pearson et al . ( 1977 ) .
the managing director of apt securities and funds limited , mallam garba kurfi , explained to our correspondent that the cbn policy on cot removal would have negative effect on dmbs revenue which might erode profitability and dividend payout to shareholders .
detected in the cot libraries , 25 % were found in the mrcot library ( the remaining 75 % were in the slcot library ) . although the hrcot library had the greatest fraction of clones with homology to known repeats ( table
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he also said lenders should be creative and think of how to support activities that generate foreign exchange from local industries , adding that apart from the cot - free banking , the lenders will face pressure arising from interest revenues on loans .
it , therefore , directed all banks that have charged customers in excess of the agreed cot since march 27 , 2013 “to refund same to the affected customers , not later than 30 days from ( june 11 , 2014 ) . ”
the cbn noted that the guide was part of efforts to standardise charges for various products and services offered by banks in the country , lamenting a situation where the banks have continued to abuse the portion that says that cot is negotiable .
sorghum cot analysis . ( a ) complete cot curve , data analysis , and component isolation . a least - squares curve ( thick black line ) was fitted through the data points ( open circles ) using the computer program of pearson et al . ( 1977 ) . the curve consists of highly repetitive ( hr ) , moderately repetitive ( mr ) , and single / low - copy ( sl ) components characterized by fast , intermediate , and slow reassociation , respectively . for each component , the following values have been placed to the right of the component ' s general location : fraction = the proportion of the genome found in that component , kinet . comp . ( kinetic complexity ) = the length in nucleotide pairs of the longest nonrepeating sequence calculated from the cot data , k = the observed reassociation rate in m −1 •s −1 , and cot½ = the value on the abscissa of the complete cot curve at which half the dna in the component has reassociated . black diamonds mark the positions on the complete cot curve of the cot½ values for hr , mr , and sl components . for a cot component , 80 % of the sequences in that component will renature in the “two cot decade region” ( tcdr ) flanking the component ' s cot½ value ( brackets centered at cot½ markers ; britten and davidson 1985 ) . we utilized this principle in isolating hr , mr , and sl cot components for cot library construction . in brief , all double - stranded dna within a component ' s tcdr was isolated except for areas that overlap the tcdrs of other components ( regions marked by upward vertical dashes , diagonal stripes , and crosshatching delimit areas of the curve used in hrcot , mrcot , and slcot library construction , respectively ) . note that the area isolated for use in constructing the slcot library extends a short way past the right end of the tcdr for the sl component ; this is presumably not a problem as any double - stranded dna in the region to the right of the sl component tcdr is likely to be single - copy . ( b ) the predicted individual renaturation profiles of the hr component , mr component , and sl component are shown .
sorghum bicolor ( l . ) moench ( breeding line btx623 ) dna was used for cot analysis , cot library construction , and as a source of dna in blotting experiments . for comparative purposes , southern blots and colony blots containing dna from sorghum propinquum kunth , a noncultivated sorghum species crossed with btx623 to make a detailed genetic map ( bowers et al . 2000 ; a . paterson and j . bowers , in prep . ) were probed with btx623 dna probes ( see below ) .
) . based on the cot curve , the mr component constitutes 41 % of the genome , but if a tenth of this component is actually chloroplast dna , the percentage of the genome found in the mr component may be closer to 37 % .
among the three cot libraries , the slcot library showed the highest percentage of hits to characterized gene sequences and unique ests . no centromeric sequences were detected , and only 6 . 2 % of the slcot clones fell into any of the repeat sequence categories .
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cot clones were blast ed against approximately 1500 molecular markers ( see the section molecular markers in the online supplement to this article , urltoken ) from a high - density sorghum molecular map based on rflp segregation in the progeny of a cross between s . bicolor and s . propinquum ( chittenden et al . 1994 ; draye et al . 2001 ) . fourteen cot clones contained inserts with significant homology ( s ' ≥76 . 28 ) to a total of nine markers on the molecular map ( see table c in the online supplement ) .
the resolution followed the adoption of a motion brought to the floor yesterday by hon . edward gyang pwajok ( pdp - plateau ) who noted cbn buildingthat the cbn , in 2013 , released the guidelines tagged “guide to bank charges” which gradually phased out cot in nigeria . leading the debate on the motion , pwajok said , according to the guidelines , “cot was reduced to n3 per n1 , 000 in 2013 , n2 per n1 , 000 in 2014 and n1 per n1 , 000 in 2015 while it will be phased out in 2016 . ”
the resolution followed the members’ adoption of the prayers of a motion introduced on the floor of the house yesterday by edward gyang pwajok ( pdp - plateau ) who noted that the cbn in 2013 released the guidelines tagged “guide to bank charges” which gradually phased out cot in nigeria .
the revised guideline had introduced a gradual reduction of cot from n5 per mile ( per n1000 ) in early 2013 to n3 per mille or n1000 , n2 per n1000 in 2014 and is to be n1 per n1000 in 2015 and finally phased out effective january 1 , 2016 .
cot - based sequence discovery represents a powerful means by which both low - copy and repetitive sequences can be selectively and efficiently fractionated , cloned , and characterized . based upon the results of a cot analysis , hydroxyapatite chromatography was used to fractionate sorghum ( sorghum bicolor ) genomic dna into highly repetitive ( hr ) , moderately repetitive ( mr ) , and single / low - copy ( sl ) sequence components that were consequently cloned to produce hrcot , mrcot , and slcot genomic libraries . filter hybridization ( blotting ) and sequence analysis both show that the hrcot library is enriched in sequences traditionally found in high - copy number ( e . g . , retroelements , rdna , centromeric repeats ) , the slcot library is enriched in low - copy sequences ( e . g . , genes and “nonrepetitive ests” ) , and the mrcot library contains sequences of moderate redundancy . the cot analysis suggests that the sorghum genome is approximately 700 mb ( in agreement with previous estimates ) and that hr , mr , and sl components comprise 15 % , 41 % , and 24 % of sorghum dna , respectively . unlike previously described techniques to sequence the low - copy components of genomes , sequencing of cot components is independent of expression and methylation patterns that vary widely among dna elements , developmental stages , and taxa . high - throughput sequencing of cot clones may be a means of “capturing” the sequence complexity of eukaryotic genomes at unprecedented efficiency .
heritage bank is the best bet for you . all their current account products are cot free . . . . the only bank in nigeria doing that for now . you can use references from heritage bank or other banks plus they ' ve excellent service culture . you will be treated like a king
obire explained that bank’s revenues are made up of interests on loans , which constitute 70 per cent of the total revenue . fees and commission make up the remaining 30 per cent . fees and commission covers 30 per cent of the total revenues . cot constituting 60 per cent of income within the segment .
he explained that bank’s revenues are made up of interests on loans , which constitute 70 per cent of the total revenue , fees and commission make up the remaining 30 per cent , fees and commission covers 30 per cent of the total revenues . cot constituting 60 per cent of income within the segment .
after sequence analysis , one of the s . bicolor / s . propinquum southern blots was probed with radiolabeled insert from a cot clone with substantial sequence identity to retrosor - 6 ( hrcot3e04 ) . hybridization conditions were identical to those described above . an autoradiogram of the blot was obtained using standard protocols .
you ' ll see a child lying on a cot staring at the ceiling , obviously in terrible need of lovei have heard the staff say in all innocence to me ,
we told the mother don ' t bother to come to visit .  the child doesn ' t understand anyway .  117
) , genbank nr database hits were given priority in the classification scheme with est hits used only to categorize clones without significant nr hits or with nr hits to genomic sequences of unknown character . results of category assignment and a list of characterized gene and repeat sequences recognized by various cot clones are given in table
my family and i had a great week in melbourne at two five zero . it ' s a great property and we were really impressed with how well decorated and equipped it was . we ' ve done a lot of hotels , villa rentals , home exchanges and air bnb and two five zero has been a great experience . the location was brilliant to soak up melbourne life , tons of cafes , restaurants , shops and pubs all within the neighbourhood and easy parking if you ' re driving . we loved being able to walk the local area and even walked into the cbd a couple of times which was a pleasant 45 mins . our highlights have included a great dinner at romulus and remus urltoken and brekkie at touchwood just at the top of the road urltoken for visitors with kids , it ' s worth noting that there is an amazing climbing place less than 10 mins walk away urltoken which we all did and had a great time at .
patricia palmer worked as a researcher and project manager on innovating with intelligence , the project that launched the visible thinking approach to developing thinking dispositions . with shari tishman she is the co - developer of artful thinking , a program that integrates arts into the curriculum in order to strengthen student thinking and learning . the program is part of the visible thinking initiative at project zero – a research - based approach to teaching thinking that links an international network of schools and other learning organizations .
obire said banks should be moving towards income diversification to shore up their revenue base . he said lenders should be creative and think of how to diversify to support activities that generate foreign exchange from local industries . he said aside the cot - free banking , the lenders will face pressure arising from interest revenues on loans .
) , there is only a 7 . 5 % –17 % difference between the cot - based genome size and these previous estimates . consequently , it is likely that the slow reassociating component is primarily single - copy dna , and thus we refer to it as the single / low - copy ( sl ) component .
ford rp , schluter pj , mitchell ea , taylor bj , scragg r , stewart aw . heavy caffeine intake in pregnancy and sudden infant death syndrome . new zealand cot death study group . arch dis child . 1998 jan . 78 ( 1 ) : 9 - 13 . [ medline ] . [ full text ] .
where z = mean insert size in bp and g = 1c genome size in bp ( paterson 1996 ) . for a standard sorghum ( 1c = 760 mb ) genomic library containing 600 bp inserts , 99 % confidence can be obtained by sequencing 5 . 8 × 10 6 randomly selected genomic clones . in cot library construction , genomic dna is separated into kinetic / sequence complexity - based components prior to cloning and sequencing . consequently , for a cot library the probability of sequencing 99 % of the dna elements in the component used to construct that library is a function of the component ' s kinetic complexity ( γ ) rather than genome size :
the results of a cot analysis provide the information needed to isolate the major kinetic components of a genome in a manner independent of sequence expression ( britten and kohne 1968 ) and / or methylation ( burtseva et al . 1979 ) . however , to our knowledge dna fractionated via cot / hap techniques has not previously been used in the construction of genomic libraries . here we describe the production and characterization of genomic libraries derived from the three major kinetic components of sorghum ( sorghum bicolor ) dna . sorghum was chosen for this study because ( to our knowledge ) it has not been the subject of a cot analysis , it has a 4000–6000 year history of cultivation ( kimber 2000 ) , it is one of the most agronomically important plant species in the world ( smith 2000 ) , and its relatively small genome is a valuable “window” into the low - copy sequence diversity of closely related , large - genome crops such as maize and sugarcane ( see draye et al . 2001 ) .
“it was learnt that in some banks , the amount charged as cot depends on the customers’ relationship with the banks , ” he said . he further lamented that the laudable policy by the cbn , which was wellreceived by the public , is being flagrantly ignored and undermined by commercial banks with attendant costs on ordinary citizens who are bank customers .
comparison of bac ends with sorghum cot clone sequences provides a means to identify bac ends that contain repetitive dna sequences . as described in the results , 17 % of sorghum bac ends ( n = 116 ) show homology to hrcot / mrcot sequences . these bac ends likely contain repetitive elements and thus may be of limited use in contig assembly .
in a circular dated june 11 , 2014 entitled : ‘implementation of the revised guideline to bank charges - commissions on turnover’ , referenced fpr / dir / gen / cir / 01 / 008 , the cbn said information at its disposal indicates that some banks continue to charge cot at the rate of n3 per mile , which was the agreed rate for 2013 .
a cot curve for sorghum bicolor was prepared according to peterson et al . ( 1998 ) and analyzed using the computer program of pearson et al . ( 1977 ) . the analysis providing the lowest rms ( root mean square deviation ) and goodness of fit values ( 0 . 02554 and 0 . 02712 , respectively ) is a three - component fit with no constrained variables .
the cbn noted that while the gradual phase out was being observed , some banks continued to charge account maintenance fees in addition to the reduced cot rate , which in effect amounted to double coincidence of charges the cbn is not oblivious of the impact of declining crude oil prices ; operation of treasury single account ; and other market turbulences on the viability and stability of the banking system .
) . however , this convention does not mean that kinetic complexity values do not accurately reflect sequence complexity—as an analogy , the exact genome size of an organism cannot really be determined except by complete genome sequencing , although genome size can be accurately estimated using feulgen densitometry , flow cytometry , cot analysis , and other methodologies . because each repeat sequence is counted only once in determination of a genome ' s sequence complexity , the contribution of repeat sequences to sequence complexity is generally quite small . in contrast , single / low - copy sequences account for the vast majority of a genome ' s sequence complexity ( e . g . , 98 % of the combined kinetic complexity of the sorghum hr , mr , and sl cot components is found in the sl component ; fig .
c . o . t is robbery by the banks . how can the banks charge cot on personal funds . because the way our society is , where people don’t like to pay for services received , banks should be made to charge monthly fees for various numbers of withdrawals in current account and no fees for 15 withdrawals a month for savings account . this will encourage more banking amongst the people
i will like to confirm if cot is to be charged also on other bank charges like mgt fees on loans , charges on letter of credits , e . t . c . what if i have more than one account with the bank – related companies , and i transfer money from one account to another of my company account within some bank , am i to pay c0t on the transfer ?
) to produce ssdna - derived cot clones ( d . peterson , a . nagel , s . wessler , and a . paterson , unpubl . ) . the use of ssdna fractions in cloning would be advantageous in instances where the quantity of genomic dna is limited . additionally , fewer base pair mismatches would be expected if primer extension techniques rather than strand renaturation were used to generate duplexes for cloning and sequencing .
visible thinking began as an initiative to develop a research - based approach to teaching thinking dispositions . the approach emphasized three core practices : thinking routines , the documentation of student thinking , and reflective professional practice . it was originally developed at lemshaga akademi in sweden as part of the innovating with intelligence project , and focused on developing students ' thinking dispositions in such areas as truth - seeking , understanding , fairness , and imagination . it has since expanded its focus to include an emphasis on thinking through art and the role of cultural forces and has informed the development of other project zero visible thinking initiatives , including artful thinking , and cultures of thinking .
sorghum has a relatively high percentage of foldback dna compared to many species for which cot analyses have been performed . several strategies employed prior to fbcot sequencing ( e . g . , screening high - density grids of the fbcot library with randomly selected fbcot clones ) could be used to identify highly redundant fbcot sequences and subsequently reduce the number of fbcot clones that would need to be sequenced to attain a desired level of sequence complexity coverage .


pelican publishing company is a book publisher based in gretna , a suburb of new orleans .

formed in 1926 , pelican is the largest independent trade book publisher located in the u.s. south .

most of its titles relate to louisiana and southern culture , cuisine , art , travel guides , history , children 's books , and textbooks .

pelican publishing company

glassdoor has 12 pelican publishing company reviews submitted anonymously by pelican publishing company employees . read employee reviews and ratings on glassdoor to decide if pelican publishing company is right for you .
pelican publishing company , incorporated , gretna , la , u . s . a .
pelican publishing company’s catalog and history may be viewed online at www . pelicanpub . com .
pelican publishing company , incorporated , gretna , la , u . s . a . , 1986
promotion director pelican publishing company 1000 burmaster st . gretna , la 70053 - 2246 e - mail :
since 1926 , pelican publishing company has been committed to publishing books of quality and permanence that enrich the lives of those who read them .
all guidelines listed above are subject to revision at any time by pelican publishing company and its editorial board .
caitlin / marketing : in 1970 , the calhouns acquired pelican publishing house from betty and hodding carter and restored its name to pelican publishing company . its history embraces such names as
pelican publishing company enjoys national recognition as an independent company with a backlist of over 2 , 500 titles and forty to fifty new titles produced yearly . as a general trade publisher , pelican
nina kooij editor in chief pelican publishing company 1000 burmaster st . gretna , louisiana 70053 - 2246 e - mail :
after landryâs death , pulitzer prize - winning editor hodding carter bought the pelican publishing company . carter used huge billboards and banners to advertise books . he also updated the louisiana almanac . after carter’s death , milburn and james calhoun bought the pelican publishing company and owned the press for the remainder of its existence .
schindler , chris . “pelican publishing company : a regional firm with national aspirations . ” baton rouge : louisiana state university , 1974 . p . 1 .
schindler , chris . “pelican publishing company : a regional firm with national aspirations . ” baton rouge : louisiana state university , 1974 . p . 7 .
schindler , chris . “pelican publishing company : a regional firm with national aspirations . ” baton rouge : louisiana state university , 1974 . p . 4 .
schindler , chris . “pelican publishing company : a regional firm with national aspirations . ” baton rouge : louisiana state university , 1974 . p . 5 .
schindler , chris . “pelican publishing company : a regional firm with national aspirations . ” baton rouge : louisiana state university , 1974 . p . 6 .
the cavalry battle that saved the union : custer vs . stuart at gettysburg , paul d . walker , pelican publishing company , gretna , la , 2002
this week in original programming ( 02 / 24 – 02 / 28 ) : musician marlowe shepherd , pelican publishing company and ms . laurence the nola book lady
kathleen c . nettleton has worked in all facets of the publishing industry during her career with pelican .
, whose first trade publication was published by pelican , stuart o . landry , whose vision kept the company alive from 1926 to 1966 , and the calhoun family , who expanded a small , ailing regional publishing house into an internationally successful company .
the pelican publishing company was closely tied to the literary and social life of new orleans and louisiana . the printing press began in the 1920s , when new orleans was a center for young and talented writers . it developed from the pelican book shop , located on royal st . although the press originally went by the name pelican books , the title changed to pelican publishing company in 1933 , after its purchase by stuart o . landry . [ 1 ]
the original location of john mowry and company was in the house of c . norwood…
dufour , donnet and company was a printing press from 1827 to 1925 . original owners of…
pelican publishing company was established in 1926 . its history is tied to such names as william faulkner , whose first trade publication was published by pelican , and stuart o . landry , whose vision kept the company alive from 1926 to 1966 . several years before purchasing pelican , dr . and mrs . milburn calhoun developed bayou books , a mail - order rare and out - of - print book business . when they moved to new orleans , bayou books was opened as a retail bookstore . in order to meet the growing demand for out - of - print literature , dr . and mrs . calhoun decided to purchase pelican publishing company from betty and hodding carter in 1970 .
i did a cookbook with pelican . the company has produced some very good books in this genre . i thought the editorial staff edited the manuscripts and photos well .
pelican publishing company has been committed to publishing books of quality and permanence that enrich the lives of those who read them since 1926 . with a backlist of more than 2 , 000 titles , pelican produces art and architecture books , travel guides , holiday books , local and international cookbooks , motivational and inspirational works , business titles , children ' s books , and a growing number of social commentary and history titles .
penguin launches its first website ( urltoken ) and brings out penguin 60s to celebrate the company’s 60th anniversary .
nina / editorial : we are interested in publishing books that are informative and uplifting .
pelican publishing co . , 2009 . paperback . condition : good . this is a used book in good condition and may show some signs of use or wear .
history of the southern yacht club by scheib , flora k . : pelican publishing company , incorporated , gretna , la , u . s . a . 9780882894881 hard cover , first edition . , signed and inscribed by author on ffep - martin nevers - used & rare books
she has been responsible for reinvigorating the convention and promotion initiatives , and strengthening the company ' s national profile .
are available on both the pelican site and on amazon as e - books .
enjoy your online visit to pelican , claire ! they ' re lovely people .
when they bought the company , kathleen was just a child , and dr . calhoun was still working as a physician as well as publisher at pelican , but he has since retired from medicine .
this week we highlight two local literary institutions . first up , david benedetto speaks with antoinette de alteriis ( promotion director ) and kathleen calhoun nettleton ( president , co - owner and publisher ) of new orleans’ own pelican publishing about the company’s history and what to expect this year . then , we focus on the nola book lady herself , ms . laurence copel , who founded jude’s grove free library in the lower 9th ward . find out more about pelican publishing
one the more popular books printed by pelican publishing company was sherwood anderson and other famous creoles by william spratling , also known as william faulkner . preserving the heritage of the people within the city and keeping records of its’ impact were of equal importance to pelican publishing . after mcclureâs reign over pelican publishing co . , stuart o . landry made many phenomenal changes to the press , in order to make it much more appealing to the general public and also more lucrative . one of his first publications was a booklet called the development of printing for the new orleans art association , inspired by an exhibit he saw in 1925 . [ 5 ]
pelican publishes approximately 60 titles per year and maintains a backlist of over 2500 books .
all terms are specified in the contract all authors publishing under our imprint ( s ) are required to sign . no book will be published by pelican without a contract signed beforehand .
by march 1936 - 10 months after the company’s launch on 30 july 1935 - 1 million penguin books have been printed .
the defendant , pelican publishing company , inc . , has appealed the trial court judgment in favor of plaintiff , mary fonseca . ms . fonseca answered the appeal requesting an increase in damages and costs . for the reasons that follow , we affirm in part , amend in part , and reverse in part .
pelican publishing co , united states , 2000 . postcard book or pack . condition : new . language : english . brand new book . from the collection of diane c . arkins .
it will probably be closed soon due to their inability to organize the company into a model that would actually turn a profit .
in her current role as assistant to the publisher , she manages the day - to - day operations of this mid - size independent publishing house , encouraging growth and development in many areas including the company ' s online presence .
w . w . norton & company w . w . norton & company , inc . , the oldest and largest publishing house owned wholly by its employees , strives to carry out the imperative of its founder to
publish books not for a single season , but for the years
in the areas of fiction , nonfiction , and poetry . has some reading group guides
pelican prefers that interns work 32 hours per week . part - time internships are also possible .
penguin books faces trial under the obscene publications act for publishing d . h . lawrence’s lady chatterley’s lover .
as a midsized general trade and children’s book publisher with more than 2 , 500 titles in print , pelican publishing company offers interns a complete overview of the publishing industry . this includes experience in the sales , editorial , promotion , and production departments . internships are available year - round and last a minimum of 10 weeks . arrangements are sometimes made to work less due to school requirements , or more according to the intern’s wishes and availability of office space .
we’re a smaller company , so all of the employees know each other well , and the different departments are very collaborative . it’s a great place to start a career in publishing because you really get to see how the whole publishing process works , from manuscript evaluation and production to sales and promotion ( and even shipping and receiving , after the hurricane ! ) .
having a good experience with a company as an outside vendor in no way makes you capable of speaking to how its employees are treated . authors - - whether solicited to do so or not - - should not be in this forum attempting to affect this company ' s ratings .
pelican publishing company , the largest book publisher in the south , is always interested in talented , hard - working illustrators . all materials that are submitted to us are kept on file and reviewed as new projects arise . we would be very happy to have you send some of your best work for our perusal . below are our basic guidelines for submissions .
kathleen / publisher ' s assist : yes , pelican is owned by milburn and nancy calhoun and jim calhoun ( milburn ' s brother ) . jim calhoun now handles a few projects a year . milburn is still actively running the company . my mom , nancy , was the first salesman for pelican and did conventions for years . she has since retired .
pelican publishing co , 1994 . paperback . condition : used ; good . we are committed to providing each customer with the highest standard of customer service . all books are picked , packed and dispatched from the united kingdom .
pelican publishing co , 1996 . hardcover . condition : used ; good . we are committed to providing each customer with the highest standard of customer service . all books are picked , packed and dispatched from the united kingdom .
pelican publishing co , 1986 . hardcover . condition : used ; good . we are committed to providing each customer with the highest standard of customer service . all books are picked , packed and dispatched from the united kingdom .
pelican publishing co , 1985 . paperback . condition : used ; acceptable . we are committed to providing each customer with the highest standard of customer service . all books are picked , packed and dispatched from the united kingdom .
formed in 1926 by john mcclure , pelican was tied early in its history to william faulkner and stuart o . landry . in 1970 , dr . milburn e . calhoun and family acquired pelican . calhoun served as company president and publisher prior to his death in 2012 . since his passing , daughter kathleen calhoun nettleton has occupied his place as publisher and president .
my brother , david worked as an editor during college and prior to attending graduate school . he is now a college professor and no longer works at the company . this summer his two oldest children - susan and leslie calhoun - will be interning at pelican .
all other books : pelican publishing company requires a query letter describing the project briefly and concisely ( see below ) , a separate list of the author’s publishing credits , a printout of the outline and one or two chapters , and a self - addressed stamped envelope ( sase ) sufficient for the return of the chapters or at least for our reply . if the chapters’ return is not needed , please so state in the query letter . multiple ( or “simultaneous” ) or e - mailed submissions are not considered .
the company has survived several disasters , including a fire that totally destroyed the building that housed pelican’s offices and approximately half of its stock of books in 1997 and then the damage caused by hurricane katrina in 2005 . many of our children ' s books feature illustrated gators , but the pelican warehouse was visited by a real , live alligator at one point , which animal control had to remove .
pelican publishing co . ( us ) , 1997 . paperback . condition : used ; good . we are committed to providing each customer with the highest standard of customer service . all books are picked , packed and dispatched from the united kingdom .
pelican publishing co , united states , 2000 . postcard book or pack . condition : new . language : english . brand new book . these postcard books hone in on two of the most vividly animated species around , and are photographed by some of the worlds top wildlife photographers , as featured in the pelican book , wild asia : spirit of a continent .
correspondence between menon and lane throughout 1938 documents the gradual deterioration of the relationship between the two men and the eventual ejection of menon from the company in december 1938 .
pelican publishing requires exclusive submission for all solicited manuscripts during the 12 - week period mentioned above . this is for obvious reasons . we can only give full attention to those manuscripts which we are likely to be able to publish if accepted by us .
pelican publishing co , 1988 . hardcover . condition : good . all orders are dispatched the following working day from our uk warehouse . established in 2004 , we have over 500 , 000 books in stock . no quibble refund if not completely satisfied .
as mentioned above , i have worked in some capacity in the company since we purchased . i have been full - time in the office since my graduation from college .
pelican publishing co . , 2007 . paperback . condition : good . all orders are dispatched the following working day from our uk warehouse . established in 2004 , we have over 500 , 000 books in stock . no quibble refund if not completely satisfied .
appointments : pelican prefers submission by mail only . if an appointment is necessary , contact will be made with the artist .
the first 30 - 40 titles of the pelican list were edited by v . k . krishna menon . these are :
all interns are encouraged to read the trade journals and magazines to which pelican subscribes to learn about the industry . copies are received in - house for such publications as publishers weekly and foreword reviews . all industry magazines pelican receives are available to interns .
allen lane launches a non - fiction imprint after overhearing someone at a king’s cross station bookstall mistakenly ask for “one of those pelican books” . the first pelican book is george bernard shaw’s the intelligent woman’s guide to socialism , capitalism , sovietism and fascism .
children’s picture books : for brief books for ages 5 - 8 , pelican publishing company requires a query letter describing the project briefly and concisely ( see below ) , a separate list of the author’s publishing credits , a printout of the full manuscript , and a self - addressed stamped envelope ( sase ) sufficient for the return of the manuscript or at least for our reply . if the manuscript’s return is not needed , please so state in the query letter . photocopies of any accompanying artwork are welcome . multiple ( or “simultaneous” ) or e - mailed submissions are not considered .
kathleen / publisher ' s assist : pelican started in 1926 and has had several owners . the current owner / publisher is milburn calhoun . he purchased the company in 1970 , and for many years ran it on the side of his main job . his
main
job was a family doctor .
pelican publishing co . paperback . condition : very good . light rubbing wear to cover , spine and page edges . very minimal writing or notations in margins not affecting the text . possible clean ex - library copy , with their stickers and or stamp ( s ) .
pelican publishing co . ( us ) , 1994 . hardcover . condition : good . all orders are dispatched the following working day from our uk warehouse . established in 2004 , we have over 500 , 000 books in stock . no quibble refund if not completely satisfied .
pelican uses this paragraph to argue the mississippi book was a second edition of weekend getaways in louisiana and mississippi rather than a new book , concluding that as a second edition , pelican correctly paid royalties to the new author and does not owe royalties to ms . fonseca . pelican contends that any royalties due ms . fonseca for the mississippi book would be paid after new authors are paid .
henry holt and company , inc henry holt & company , inc . , one of america ' s foremost publishers , was founded in 1866 . based in new york city , holt publishes approximately 175 books a year , including hardcover fiction and nonfiction ; owl books ( its trade paperback division ) ; henry holt reference books ; books for young readers ; and metropolitan books .
payment policy : pelican pays its authors a royalty based on sales . the rate depends on the type of material and the format .
caitlin smith ( pictured ) has worked at pelican as school sales manager since august 2005 . it was her first job after graduating from
she started at pelican two weeks before hurricane katrina struck new orleans and returned to work after several weeks of evacuation from the city .
avon books a division of the hearst corporation and the second oldest paperback publishing house in the united states , publishes books for adults and young readers .
pelican publishing co , 1995 . paperback . condition : good . usual signs of a well read book but good overall condition . may not look good on your bookcase after reading and probably not suitable as a present unless hard to find elsewhere secure daily posting from uk . 30 day guarantee .
solicited manuscripts are carefully scrutinized by the editor ( s ) . on occasion , they may be examined by our sales and / or promotions departments to gauge their marketability . they are then passed on to the publisher for preliminary and final consideration . the submissions are reported on as soon as possible , but this process may take up to three months ( 12 weeks ) . if acceptance is recommended , the author ( s ) will be asked to sign a contract with pelican publishing company .
we are looking for proposals for books appealing to a popular audience , on topics similar to the books we have in print . specifically we are interested in : civil war nonfiction , world war ii nonfiction , history , biography , art , architecture , cookbooks , and nonfiction historical children’s picture books . please study our catalog and send your proposal to pelican publishing company , inc . , 1000 burmaster st . , gretna , la 70053 - 2246 . our submission guidelines for authors are posted here .
pelican publishing co , 1998 . paperback . condition : used ; good . dispatched , from the uk , within 48 hours of ordering . this book is in good condition but will show signs of previous ownership . please expect some creasing to the spine and / or minor damage to the cover .
kathleen / publisher ' s assist : children ' s books have become a bigger part of the company than i thought it would . mainly because we are getting more good children ' s manuscripts in .
interns can receive college credit ( usually equal to one class ) for their time at pelican . arrangements must be made with a college advisor .
pelican publishing co , united states , 2009 . paperback . condition : new . james rice ( illustrator ) . language : english . brand new book . father christmas , with his irish eyes twinkling , ushers in his seven elves and thus begins the irish tale told and illustrated in this fun coloring book .
pelican argues that the trial court erred in its interpretation of the 1992 and 1995 contracts . pelican points to paragraph 2 ( a ) of the 1992 contract , which the author , ms . fonseca , grants and assigns to the publisher , pelican , the sole and exclusive right to print , publish , and sell the work throughout the world in a book form together with all revisions and editions . paragraph 9 of the 1992 contract provides :
pelican contends the trial court erred in failing to allow a setoff deduction to pelican for its expenses paid to the baldwins in computing the award of royalties to ms . fonseca . we disagree . ms . fonseca was entitled to royalties pursuant to paragraph 15 ( f ) of the 1992 contract because her work was used in an adaptation published by pelican . this paragraph contains no provision allowing pelican a setoff deduction for its expenses paid for a secondary use of the work . we acknowledge that pelican would be entitled to a set off deduction had the trial court found the mississippi book to be a second edition . for reasons stated previously in this opinion , we affirm the trial court ' s conclusion that the mississippi book was not a second edition of ms . fonseca ' s original book . accordingly , the trial court correctly denied pelican ' s request for a setoff deduction for expenses paid to the baldwins .
pelican publishing co . ( us ) , 1997 . hardcover . condition : used ; good . dispatched , from the uk , within 48 hours of ordering . this book is in good condition but will show signs of previous ownership . please expect some creasing to the spine and / or minor damage to the cover .
pelican publishing co . ( us ) , 1993 . hardcover . condition : used ; good . dispatched , from the uk , within 48 hours of ordering . this book is in good condition but will show signs of previous ownership . please expect some creasing to the spine and / or minor damage to the cover .
pelican offers an intern the opportunity to learn the basics of the publishing industry , receive hands - on experience , and polish communication talents in an intimate , supervised atmosphere . the internship requires an individual who is both responsible and versatile . an effort is made to show the variety of skills needed to work in the industry .
in new orleans ; johnette downing , one of our children’s authors ; and caitlin smith , school sales manager of pelican ( in the blue coat ) .
at that time , every single pelican employee who had returned after the storm—including the publisher , dr . milburn calhoun— worked together in the warehouse to ship out the backlog of orders from the company was shut down .
it was an interesting beginning ,
caitlin says ,
and things have only gotten more interesting ( though , thankfully , in different ways ) since then .
pelican publishing co . , 2007 . condition : good . a + customer service ! satisfaction guaranteed ! book is in used - good condition . pages and cover are clean and intact . used items may not include supplementary materials such as cds or access codes . may show signs of minor shelf wear and contain limited notes and highlighting .
all staff were doing things that were not exactly in their job description , but it enabled us to get back up and running faster . twenty percent of our employees decided not to return to new orleans , so the company had to recover from that . we have had another challenge with the bp oil spill in april 2010 . this affected our customers , which in turn affected pelican .
pelican is a family - owned business . dr . calhoun directed pelican’s growth and development in his dual role of president and publisher from 1970 until his death in 2012 . after his passing , his daughter kathleen calhoun nettleton , who has served as a board member of the publisher’s association of the south and on the small press steering committee for the association of american publishers , inherited those roles . she shares ownership of the company with her uncle , james calhoun , who served as executive editor until his retirement in 1990 and is now special projects editor .
pelican publishing co . paperback . condition : good . spine creases , wear to binding and pages from reading . may contain limited notes , underlining or highlighting that does affect the text . possible ex library copy , thatâll have the markings and stickers associated from the library . accessories such as cd , codes , toys , may not be included .
pelican publishing + co . paperback . condition : good . spine creases , wear to binding and pages from reading . may contain limited notes , underlining or highlighting that does affect the text . possible ex library copy , thatâll have the markings and stickers associated from the library . accessories such as cd , codes , toys , may not be included .
pelican is based in gretna , louisiana . does that offer you a different point of view than , say , a nyc - based house ? if so , how ?
pelican publishing co 01 / 04 / 1998 , 1998 . condition : very good . shipped within 24 hours from our uk warehouse . clean , undamaged book with no damage to pages and minimal wear to the cover . spine still tight , in very good condition . remember if you are not happy , you are covered by our 100 % money back guarantee .
pelican publishing co 01 / 12 / 1995 , 1995 . condition : very good . shipped within 24 hours from our uk warehouse . clean , undamaged book with no damage to pages and minimal wear to the cover . spine still tight , in very good condition . remember if you are not happy , you are covered by our 100 % money back guarantee .
pelican publishing co 01 / 07 / 1995 , 1995 . condition : very good . shipped within 24 hours from our uk warehouse . clean , undamaged book with no damage to pages and minimal wear to the cover . spine still tight , in very good condition . remember if you are not happy , you are covered by our 100 % money back guarantee .
located on our website . this will help them submit items properly . looking at a publishing website can give you ideas on what types of books the publisher is interested in before you submit .
as well as deciding to offer a wide range of buddhist titles by mail order , we also made the publishing decision to branch out from tibetan buddhism and represent all true buddhist traditions in our list . in order to maintain our high production standards—which we later heard were the envy of editors at some of the mainstream publishing houses—without spending too much money , we started printing our books in singapore .
originally an imprint of the publishing firm bodley head , penguin books was established by allen lane in 1935 and pioneered the paperback book , bringing affordable fiction and non - fiction to the british public .
pelican publishing co . ( us ) 31 / 05 / 1996 , 1996 . condition : very good . shipped within 24 hours from our uk warehouse . clean , undamaged book with no damage to pages and minimal wear to the cover . spine still tight , in very good condition . remember if you are not happy , you are covered by our 100 % money back guarantee .
african writing is a literary magazine publishing fiction and creative non - fiction , as well as poetry , memoirs and books reviews . available online and in print , african writing is published 6 times annually .
new owner is more intersted in her personal agendas than the company . sales dropped by at least 75 % after she made her changes . she loves to play office politics , runs off prospective talent with her offensive personality , and enjoys pitting employees against each other .
prior to retiring , he would call every day at lunch to talk to any staffers that had immediate questions . he retired from the medical practice in 1997 and expanded his time with pelican .
kathleen / publisher ' s assist : i think that most publishers from outside of new york have a different viewpoint that reflects why they are in publishing . pelican wants to promote new orleans and the rest of the south through children’s books ( as well as adult books ) . many of the projects we receive are new orleans / louisiana related , but we are also interested in other areas as well .
the original owner of the pelican publishing company , john mcclure , also founded a small magazine , double dealer . [ 2 ] in his extended career in new orleans , he also worked for the new orleans times - picayune . he created the heading âliterature and less , â for the paper . mcclure sold the press to stuart o . landry , [ 3 ] an aristocrat , a member of the infamous boston club and president of one of the largest advertising agencies at the time . due to financial troubles caused by the great depression , landry’s advertising agency went under , and he was then free to pursue a new career as a publisher in 1931 . [ 4 ]
with the translation and international distribution of many of its titles , pelican has enlarged its market of foreign rights sales and purchases . pelican’s motivational titles by zig ziglar ( see you at the top ) and dr . walter doyle staples ( think like a winner ! ) led its entry into markets in europe , south america , asia , and africa . additionally , pelican continues its acquisition of foreign titles for u . s . publication . one of pelican ' s most recognized titles is the holiday classic cajun night before christmas illustrated by james rice . the beloved favorite is available in many formats and has spawned musicals , plays , cakes , costumes , and even a holiday light display . now in its 25th printing , the book is a perennial favorite across the country .
pelican publishing co , u . s . , gretna , 2007 . paper . condition : fine . dust jacket condition : no dustjacket . illustrated throughout ( illustrator ) . 1st paperback edition . a solid copy ; - - - - - - - - - - satisfaction guaranteed - - - - - - - - - fast , courteous service - - - - - - size : 6 x 9
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nina / editorial : my mother is an editor in the education field , and books were always a part of my family’s life . i excelled in english classes and went on to major in the subject and get a master’s in it . in high school , i edited the literary magazine , and in college . i was the fiction editor of the literary review . i interned at a small press and then was accepted at a summer publishing institute , where i met pelican’s vice president . pelican has a strong children’s list , and so i have had the pleasure of editing for young readers for many years .
the publisher returned one week later to access the damage and then had to leave . he returned with one employee at two weeks . other pelican employees started returning as they were able throughout september .
pelican argues the trial court erred in finding ms . fonseca was entitled to royalties based on its interpretation of paragraphs 15 ( e ) and ( f ) . paragraph 15 ( e ) states :
unable to control my editing and publishing inclinations , i soon established a publishing activity at tushita—mahayana publications—and over a two - year period we published a number of books , including the anthology , teachings at tushita ; gareth sparham’s tibetan dhammapada ; and a number of smaller booklets . these activities proved disconcerting to some of the people at wisdom publications , which by 1981 had established its business office in london , while maintaining editorial , production and distribution in cumbria . when they complained to lama yeshe that i should be working for wisdom instead of creating another fpmt publishing entity in new delhi , lama responded by appointing me wisdom’s editorial director , but kept me in india directing tushita .
everything was going reasonably well except for one thing—we were not publishing many of our founders’ teachings . in the twenty years of wisdom’s existence , we had managed to publish only six books by lama yeshe and lama zopa rinpoche .
books of africa is a limited publishing company , created in 2008 by african and british nationals . books of africa positions itself in the still insufficiently explored but worldwide niche of africa and diaspora studies . our mission at is to promote an african view of history , literature , philosophy , economics and religion . we aim to publish books on a wide variety of subjects related to africa and the diaspora because we believe that the african contribution to world culture and development is significant and its value needs to be recognised .
kathleen / publisher ' s assist : books have been a part of my world my entire life . my dad was a book scout and then book dealer before purchasing pelican in 1970 . i frequently went with him to second - hand bookstores and thrift shops . when we bought pelican in 1970 , i worked on various projects throughout junior and senior high school . i never thought of any other career .
pelican publishing co , united states , 2002 . paperback . condition : new . james rice ( illustrator ) . language : english . brand new book . children will enjoy coloring the pictures while reading this retelling of the christmas classic by clement c . moore , which blends santa claus with the traditional pennsylvania dutch figure of the belsnickel , a thin , cantankerous old man who visits children before christmas and rewards or punishes them based on their behavior .
all work submitted to us must be in good taste , nonlibelous , and consistent with the level of quality we have established for our company . although many of our titles are specialized , they are all suitable for general readership and are free of gratuitous , off - color words , phrases , or references .
was the beginning of a beautiful partnership between james rice and pelican until his death in june 2004 . james rice had always wanted to be a book illustrator . he traveled year around promoting books in schools and bookstores .
james currey , now an imprint of boydell & brewer , specializes in publishing academic research on africa . dedicated to distributing books about africa , in africa , we are noted for getting authors’ books around the continent through african co - publishing and direct marketing . us distribution is via boydell and brewer inc . backlist titles are available through pod and we have a growing e - book programme . sign up for our newsletter , african griot . visit our website or come and discuss proposals at our stand .
basis of this page is in wikipedia . text is available under the cc by - sa 3 . 0 unported license . non - text media are available under their specified licenses . wikipedia® is a registered trademark of the wikimedia foundation , inc . wiki 2 is an independent company and has no affiliation with wikimedia foundation .
for information on an author , illustrator , editor , narrator of an audio book , or anyone else who has contributed to pelican titles , please select their name from the appropriate list . contributors are sorted by their last name .
find a category of interest and select from items in that area . in addition to books , pelican also has many other gift items , such as notecards and posters . many of these items are associated with our book titles .
kathleen calhoun nettleton joined pelican full time in 1983 upon graduating from louisiana state university with a degree in marketing . she served as promotion director from 1985 until her promotion to assistant to the publisher in november of 2008 . during nettleton ' s tenure as promotion director , she instituted the company ' s intern program in the promotion department . the program has since expanded to the editorial , production , and sales departments and draws applicants from around the globe . nettleton became president and publisher in 2012 , after the passing of her father , the late publisher dr . milburn calhoun . she served as a board member for the publishers association of the south and was a member of the smaller and independent publishers committee , a branch of the association of american publishers . she represents the company on numerous panels at industry and community events across the country including the tennessee williams / new orleans literary festival .
pelican publishing co , 2000 . paperback . condition : used ; good . dispatched , from the uk , within 48 hours of ordering . this book is in good condition but will show signs of previous ownership . please expect some creasing to the spine and / or minor damage to the cover . grubby book . this book is dirty and has significant shelf wear , however all text is there and readable , as such it is acceptable for sale , and is still a good read . thanks .
snow lion had started in 1980 publishing books by the prolific translator and author , glenn mullin , and specialized in books on tibetan buddhism , politics and culture . actually , in early 1984 the company was in dire straits and the possibility of wisdom buying them out arose , but then jeff cox came on board , snow lion published his holiness’s kindness , clarity and insight just in time for his extensive 1984 american tour , and the rest is history . amongst other things , the keys to snow lion’s success have been their wonderful list , ability to maintain low overheads and excellent quarterly newsletter / catalog .
on appeal , pelican argues the trial court erred in granting ms . fonseca ' s motion for summary judgment in finding that the compensation claimed by ms . fonseca was for royalties for the use of her copyrighted material in an adaptation or derivative work based on the first book , specifically finding that she was entitled to royalties pursuant to paragraph 15 ( f ) of the 1992 agreement . pelican further argues that the trial court erred in denying pelican ' s motion for summary judgment in finding that the mississippi book was an adaptation or secondary use as contemplated in paragraph 15 ( e ) of the 1992 agreement , rather than a new edition . ms . fonseca replies that these issues were correctly decided by the trial court .
in the summer of 1974 , lama yeshe and lama zopa rinpoche made their first trip to the west , teaching in the usa , australia and new zealand . kopan courses , which had been held twice a year , were now conducted only annually , every fall . after the eighth kopan course , at the end of 1975 , lama yeshe was approached by an american dharma student , jesse sartain , who ran conch press , a small publishing house in hawaii . he asked lama if he could publish the teachings the lamas had given in the usa the previous year . lama yeshe called me over to discuss the project with jesse , instructing me not to give anything away but for jesse and kopan to publish the book together . this we did , and the next year our first real book , wisdom energy , was born , and along with it , our publishing company , publications for wisdom culture .
sales : database maintenance ; customer lead research ; researching the school and public library market ; reviewing pelican title information on internet retailers ; accessing wholesaler databases to analyze inventory and sales information ; assisting with author tours ; providing sales history for periodic meetings .
caitlin / marketing : pelican is an independent publisher that has been based in the new orleans area for over 80 years . we usually publish 40 - 50 books a season . those include picture books , middle grade novels , ya , and adult titles .
books got me into this at the beginning , they’ve kept me going , and i hope they’ll be there at the end . i would like to continue editing and publishing dharma books for the benefit of all sentient beings until the day i die . it sure beats being a boxer’s second .
pelican publishing co . , gretna . la , 1985 . hardcover . condition : very good . red boards with gilt letters on spine . front cover has a couple of marks , back cover has indented spots with red finish gone from one . cover has minor shelf and corner wear . pages are clean , no notes or underlining . interior pages are tight to the spine , and spine is tight to the cover . second printing . book measures 6 . 25
x 9 . 375
x 0 . 875
. we ship every business day .
henry holt / owl books reading group guides henry holt & company , inc . , one of america ' s foremost publishers , was founded in 1866 . based in new york city , holt publishes approximately 175 books a year , including hardcover fiction and nonfiction ; owl books ( its trade paperback division ) ; henry holt reference books ; books for young readers ; and metropolitan books .
pelican further argues that the trial court erred in awarding ms . fonseca $ 500 . 00 per year from the date of publication of the mississippi book for lost income that she would have obtained from the mississippi book sales for every year that the mississippi book is sold .
nina / editorial : i think our size as well as our location helps us provide a more personal touch for authors outside of the major publishing centers . all of us are accessible by phone . we also are open to topics outside the mainstream and authors who are at an early point in their career .
while this is not a writing - intensive internship , interns have the opportunity to work closely with pelican’s trained publicists and most are able to leave the program with a writing portfolio . as with all assignments , writing tasks will be assigned on an as - need basis . over the course of the internship , each intern will learn how promotional writing differs from academic writing , creative writing , and analytical writing . the following list of tasks provides a general overview of the different activities but does not strictly define all an intern will do during his or her time with pelican .
pelican publishing co , united states , 2000 . postcard book or pack . condition : new . language : english . brand new book . this postcard book hones in on one of the most vividly animated species around , and is photographed by some of the world s top wildlife photographers , as featured in the pelican book , wild asia : spirit of a continent . the rainforests of tropical asia extend from the western ghats of india to where the edges of asia blur into australia along the myriad of islands of the indonesian archipelago . it is here that the largest diversity of primates in the world can be found . while the orangutan is one of the icons of asian wildlife , other primates inhabit this area of the world in great numbers , including macaques , siamangs , and langurs . these portraits present an intriguing and beguiling look into a seldom - seen world beneath the rainforest s canopy .
spinsters ink spinsters ink publishes novels and non - fiction works that deal with significant issues in women ' s lives from a feminist perspective : books that not only name these crucial issues , but - - more important - - encourage change and growth . we are committed to publishing works by women writing from the periphery .
of course , the fall was a particularly busy time promoting the various versions of night before christmas that he had illustrated . james and i did many conventions together , and i do miss him . the book that james rice brought to pelican that first day was actually his second book published -
the big problem was that we had no money . my predecessor was a businessman who’d used his company’s profits to finance dharma publishing , and he ran wisdom part - time . moreover , some of the money that he’d put in was a loan ; along with wisdom , i was inheriting significant debt . in addition , there were a number of signed contracts committing us to publish several books that year . i had no income or savings , and because of serious problems with the people at manjushri institute , we could not base wisdom there , as lama had wished , but had to set up in london , which was not only “not a good place for monks and nuns , ” as lama put it , but also very expensive .
i ' m a little shocked at some of these reviews . where i don ' t know their inner workings , i can say i ' m a happy author of pelican ' s . as far as the comments regarding the books and their quality ( digging at the authors and illustrators ) , i ' d like to mention that my title in particular was positively reviewed by high - profile trade journals and is also highly rated on other book sites . the people i ' ve worked directly with at the company ( i . e . sales , marketing , and editing ) have all been very positive , helpful , and knowledgeable . i hope some of these comments about them going under aren ' t true and are just rumors . they truly publish unique titles that their authors and illustrators are very proud of ! their books about the louisiana lifestyle are a gem and are much needed in today ' s market that demands diversity and culture ! i’m very grateful to pelican and am encouraging them to continue doing what they ' re doing .
the trial court ruled on the parties ' cross motions for summary judgment , finding in favor of ms . fonseca . the trial court found that under the 1992 agreement , pelican ' s use of ms . fonseca ' s material from the weekend getaways in louisiana and mississippi in the mississippi book constituted a secondary use of this material and entitled ms . fonseca to royalties as provided in the 1992 contract and that pelican has breached its obligation under the 1992 contract . a trial was then held on the issue of damages . at the conclusion of trial , the trial court awarded damages to ms . fonseca in the amount of 45 % of the 10 % royalties due on the mississippi book and $ 500 . 00 per year for lost income from sales for every year that the mississippi book is sold . pelican has appealed these judgments . ms . fonseca answered the appeal challenging the reduction in royalty payments and seeking costs of the trial and appeal .
writing : tasks are heavily dependent on skill level as assesed by benchmark testing - draft promotional copy for reprinted titles , author biographies , and pitch letters . media research : update existing and identify new media outlets for specific books from internet research and the use of pelican’s media databases . general research : everything from the a to z of a particular ingredient to finding contact information for prominent authorities on a given subject . review processing : includes recording and filing reviews and preparing review copies for shipment . mailing : preparation of materials to reviewers ; forwarding material to pelican authors . e - mail blasts : assist with creating e - mail marketing materials . data management : assist with maintaining pelican’s database , including contact information for individuals in the media such as editors , producers , and freelancers . this consists of internet research and telephone verification . office work : filing , occasional light hand - work , copying , and other clerical tasks as needed . other departmental tasks