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.
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QUESTION: Why did James Taylor step down and who succeeded him as chairman?

Before the establishment of the People's Republic, Albania's illiteracy rate was as high as 85%. Schools were scarce between World War I and World War II. When the People's Republic was established in 1945, the Party gave high priority to wiping out illiteracy. As part of a vast social campaign, anyone between the ages of 12 and 40 who could not read or write was mandated to attend classes to learn. By 1955, illiteracy was virtually eliminated among Albania's adult population. Today the overall literacy rate in Albania is 98.7%; the male literacy rate is 99.2% and female literacy rate is 98.3%. With large population movements in the 1990s to urban areas, the provision of education has undergone transformation as well. The University of Tirana is the oldest university in Albania, having been founded in October 1957.
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QUESTION: The scarcity of schools in Albania between World War I and World War II contributed to Albania's illiteracy rate getting as high as what percentage?

Befitting a lush, tropical island stranded in the middle of the ocean, Madeira's origins are shrouded in mystery and fanciful legend. Some claim that the archipelago is what remains of Plato's lost Atlantis, or part of a landmass that once fused the continents of Europe and America. The Portuguese Step Ashore: Recorded history of the volcanic archipelago begins in relatively recent times: 1418, just as the golden age of Portuguese discovery was erupting. Under the leadership of Henry the Navigator, caravels set out from the westernmost point of the Algarve, in southern Portugal, in search of foreign lands, fame, and wealth. Joao Goncalves Zarco, sailing in the service of Prince Henry, made the first of many famous Portuguese discoveries, which would culminate a century later in Magellan's historic circumnavigation of the globe. Zarco happened upon a small volcanic archipelago 1,000 km from Lisbon. Perhaps Zarco knew precisely where he was heading, having learned of the existence of Madeira from a Castilian source. After all, the waters of the Canary Islands, only 445 km (275 miles) to the south, had occupied busy shipping lanes for very nearly a century, and Genovese maps from the mid-14th century depict both Madeira and Porto Santo. More likely, Zarco was heading for Guinea and storms forced him onto the beach of Porto Santo. If so, then he was extremely fortunate, for he managed to land on the only large, sandy beach for hundreds of miles around. Little wonder he subsequently named it Porto Santo (Holy Port). The following year Zarco returned to claim the larger island he had seen from Porto Santo, and with him went Tristao Vaz Teixeira and Bartolomeu Perestrelo. They officially became the first men to set foot on the heavily forested island, naming it Ilha da Madeira, "Island of Timber. " The Portuguese Crown, delighted with its first important discovery, immediately embarked on a program of colonization. Zarco and Teixeira were appointed co-governors of Madeira, while Perestrelo was awarded Porto Santo.
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QUESTION: According to legend, the lost civilization of Atlantis was located on or near what archipelago?

Sam Farragut is a sociopathic business executive in Southern California who forces a team of advertising agency employees to embark on a dangerous dirtbike trip to the Baja California desert in order to compete for his business . The men are Warren Summerfield , a suicidal middle-aged ad executive who has been fired from the agency ; the straightlaced Paul McIlvain who is inattentive to his wife , and brash art designer Maxon who feels suddenly trapped after his girlfriend announces she is pregnant . There are numerous long sequences of motorcycle riding on desert backroads . Summerfield has been having an affair with McIlvian's wife . He has not told his wife that he was fired and is simply serving out his tenure at the agency while looking for a new position . His wife is actually aware of the affair . Farragut convinces the ad men to make the motorcycle journey on the pretext of looking for a location to shoot a commercial . In reality , Farragut is reckless and looking to involve the men in spontaneous edgy adventure of his own manipulation . After they leave , McIlvain's wife suspects that Summerfield is planning to kill himself for the insurance money , but she can not convince Summerfield's wife to instigate a search . The four men travel deeper into Mexico on isolated dirt roads . At one point Summerfield contemplates plunging off a cliff . After being humiliated by a young American couple in a Baja bar , Farragut tracks them down on the beach while accompanied by Maxon .
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QUESTION:
Whose wife is having an affair with Summerfield?