William C. Walbrecher Jr., an executive at San Francisco-based 1st Nationwide Bank, was named president and chief executive officer of Citadel Holding Corp. and its principal operating unit, Fidelity Federal Bank. The appointment takes effect Nov. 13. He succeeds James A. Taylor, who stepped down as chairman, president and chief executive in March for health reasons. Edward L. Kane succeeded Mr. Taylor as chairman. Separately, Citadel posted a third-quarter net loss of $2.3 million, or 68 cents a share, versus net income of $5.3 million, or $1.61 a share, a year earlier. The latest results include some unusual write-downs, which had an after-tax impact of $4.9 million. Those included costs associated with the potential Valley Federal Savings and Loan Association acquisition, which was terminated on Sept. 27, 1989. In addition, operating results were hit by an increase in loan and real estate loss reserves. In American Stock Exchange composite trading, Citadel shares closed yesterday at $45.75, down 25 cents.

Question: "Why did James Taylor step down and who succeeded him as chairman?"

Answer: "Health reasons, Cecil Chadwick"

Response: no

Mike and Jeff are close friends. Their school is having a guessing game to guess how many gumballs are in a box. If they get the right amount they win $100. If they get close they get a $20 gift card. The box looks like it is missing some gumballs. It turns out some people are eating them when they place their guess. 100 people guessed and took a piece of candy. The box is 10" by 10" by 10". Each gumball is 1" each. Mike guessed 500. Jeff guessed 800. They both said they would split their money they win, if they win.

Question: "If there were 500 gumballs in the box how much money would Mike and Jeff get each?"

Answer: "150"

Response: no

When a stream or river slows down, it starts dropping its sediments. Larger sediments are dropped in steep areas. Some smaller sediments can still be carried by a slow moving stream or river. Smaller sediments are dropped as the slope becomes less steep. Alluvial Fans In arid regions, a mountain stream may flow onto flatter land. The stream comes to a stop rapidly. The deposits form an alluvial fan. Deposition also occurs when a stream or river empties into a large body of still water. In this case, a delta forms. A delta is shaped like a triangle. It spreads out into the body of water.

Question: "When is a delta formed?"

Answer: "A delta is formed as deposition occurs when a river or stream empties into a larger body of water"

Response: yes

MALS was formed here more than 30 years ago. Today, 14 staff attorneys, 26 office workers and 21 University of Memphis third- year law students work out of rented offices in the old Claridge Hotel building at 109 N. Main. Offices are spartan. There are no lush rugs or stylish furniture. The large table in the conference room is simple varnished wood. Offices are small and mostly plain, except for the eclectic mix of pop art, African statuary and neon that adorns litigation director Webb Brewer's space. Brewer, who has been at the agency 20 years, said there is a need for lawyers of all stripes to help with the problems of the poor. "The private bar could meet more of the need through pro bono work, but there are still cases that involve the systemic problems for low-income people that we would need to do," said Brewer. "The legal system marketplace just doesn't serve low-income people too well, except in fee-generat-ing type cases," Brewer said. "If a poor person gets run over by a bus, an attorney might take that case because they might be able to recover part of the damage award as attorney fees. But so many of the cases we handle have to do with basic rights and a decent life. There is just no profit motive." Larry Pivnick, law professor at the University of Memphis Law School and director of political programs at MALS, said Legal Services is a great learning laboratory for law students. "There are thousands and thousands of people who have problems that never get an opportunity to appear in court," Pivnick said. "Some people may not be particularly articulate. Courts have rules that clients don't always understand." Brewer said a major focus of the agency's work involves housing. "Although a lot of our work is grant-driven, we find that the lack of safe and decent affordable housing and the prevalence of predatory lending are the biggest problems in our client population," Brewer said, referring to clients such as James.

Question: "Who is Larry Pivnick?"

Answer: "Law professor"

Response:
yes