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: "What bank was the potential acquisition and what quater was the loss associated with this reported?"

Answer: "Valley Federal Savings and Loan Association acquisition, 3rd quarter"

Response: yes

The Albanians first appear in the historical record in Byzantine sources of the late 11th century. At this point, they were already fully Christianized. Islam later emerged as the majority religion during the centuries of Ottoman rule, though a significant Christian minority remained. After independence (1912) from the Ottoman Empire, the Albanian republican, monarchic and later Communist regimes followed a systematic policy of separating religion from official functions and cultural life. Albania never had an official state religion either as a republic or as a kingdom. In the 20th century, the clergy of all faiths was weakened under the monarchy, and ultimately eradicated during the 1950s and 1960s, under the state policy of obliterating all organized religion from Albanian territories. The Communist regime that took control of Albania after World War II persecuted and suppressed religious observance and institutions and entirely banned religion to the point where Albania was officially declared to be the world's first atheist state. Religious freedom has returned to Albania since the regime's change in 1992. Albania joined the Organisation of the Islamic Conference in 1992, following the fall of the communist government, but will not be attending the 2014 conference due a dispute regarding the fact that its parliament never ratified the country's membership. Albanian Muslim populations (mainly secular and of the Sunni branch) are found throughout the country whereas Albanian Orthodox Christians as well as Bektashis are concentrated in the south and Roman Catholics are found in the north of the country. The first recorded Albanian Protestant was Said Toptani, who traveled around Europe, and in 1853 returned to Tirana and preached Protestantism. He was arrested and imprisoned by the Ottoman authorities in 1864. Mainline evangelical Protestants date back to the work of Congregational and later Methodist missionaries and the work of the British and Foreign Bible Society in the 19th century. The Evangelical Alliance, which is known as VUSh, was founded in 1892. Today VUSh has about 160 member congregations from different Protestant denominations. VUSh organizes marches in Tirana including one against blood feuds in 2010. Bibles are provided by the Interconfessional Bible Society of Albania. The first full Albanian Bible to be printed was the Filipaj translation printed in 1990.

Question: "What Regime took control of Albania after WWII and prior to 1992?"

Answer: "Institutions"

Response: no

Above were just a few things that caused habitat loss or change. There are many ways in which living organisms can affect their ecosystem. In some areas, it is because of fire management. Fire is a natural event, so managing fire correctly is very important. In other areas, fisherman have taken too many fish from one area. This places the species at risk of extinction. It also affects other living things that may rely on these fish for food. The image below shows a picture of a mine. Mining changes the Earths surface. This area may once have been a forest or a prairie. Think about how many plants and animals may once have lived here. Now it is a giant hole in the ground. Pollution is also a major factor in habitat loss and change.

Question: "How does over fishing effect an ecosystem?"

Answer: "It takes away too many fished causing extinction"

Response: yes

The CIA's senior management saw problems with the armed Predator as well, problems that Clarke and even Black and Allen were inclined to minimize. One (which also applied to reconnaissance flights) was money. A Predator cost about $3 million. If the CIA flew Predators for its own reconnaissance or covert action purposes, it might be able to borrow them from the Air Force, but it was not clear that the Air Force would bear the cost if a vehicle went down. Deputy Secretary of Defense Wolfowitz took the position that the CIA should have to pay for it; the CIA disagreed. Second, Tenet in particular questioned whether he, as Director of Central Intelligence, should operate an armed Predator." This was new ground,"he told us. Tenet ticked off key questions: What is the chain of command? Who takes the shot? Are America's leaders comfortable with the CIA doing this, going outside of normal military command and control? Charlie Allen told us that when these questions were discussed at the CIA, he and the Agency's executive director, A. B." Buzzy" Krongard, had said that either one of them would be happy to pull the trigger, but Tenet was appalled, telling them that they had no authority to do it, nor did he. Third, the Hellfire warhead carried by the Predator needed work. It had been built to hit tanks, not people. It needed to be designed to explode in a different way, and even then had to be targeted with extreme precision. In the configuration planned by the Air Force through mid-2001, the Predator's missile would not be able to hit a moving vehicle. White House officials had seen the Predator video of the "man in white." On July 11, Hadley tried to hurry along preparation of the armed system. He directed McLaughlin, Wolfowitz, and Joint Chiefs Vice Chairman Richard Myers to deploy Predators capable of being armed no later than September 1.

Question: "What did the CIA not want to pay for?"

Answer: "Pay for"

Response:
no