Group Title: Tribune. (Nassau, Bahamas).
Title: The Tribune
ALL ISSUES CITATION THUMBNAILS ZOOMABLE PAGE IMAGE
Full Citation
STANDARD VIEW MARC VIEW
Permanent Link: http://ufdc.ufl.edu/UF00084249/00094
 Material Information
Title: The Tribune
Uniform Title: Tribune (Nassau, Bahamas)
Alternate Title: Nassau tribune
Physical Description: v. : ill. ; 58 cm.
Language: English
Publisher: Tribune
Place of Publication: Nassau Bahamas
Publication Date: April 26, 2005
Copyright Date: 2005
Frequency: daily, except sunday
daily
normalized irregular
 Subjects
Genre: newspaper   ( marcgt )
Spatial Coverage: Bahamas
 Notes
General Note: Description based on: Vol. 79, no. 210 (Aug. 3, 1983); title from caption.
 Record Information
Bibliographic ID: UF00084249
Volume ID: VID00094
Source Institution: University of Florida
Holding Location: University of Florida
Rights Management: All rights reserved by the source institution and holding location.
Resource Identifier: oclc - 09994850

Full Text



I Im
"TRY OUR
AWESOME
TWOSOME m9"
HIGH 86F
LOW 74F
SSUNNY AND
... BREEZY


The


Tribune


Volume: .101 No.126


.TUESDAY, APRIL 26, 2005


OUIIU "11I1 ll


PRICE 500


l.




I


Man fires two

shots on bus

. By CARA BRENNEN street," he said, noting that thc
Tribune Staff Reporter robber had a chrome gun.
Concerned about the safety
PANIC-STRICKEN passen- of the passengers, the driver
gers leapt from a Nassau jitney said he did as he was asked,
as a gunman opened fire inside pulled into a side street and
the bus after demanding money stopped the bus. The passen-
from the driver, gers all jumped out and fled the
Now busmen are calling for scene.
new terror .laws making it an The gunman then demanded
offence to interfere with jitney money and fired two shots into
drivers while on duty. the bus near the gearbox, inch-
The daylight robbery hap- -es away from the driver's foot.
pened after the armed man One bullet pushed a hole in the
fired two shots inside the bus. front of the bus. The gunman
As passengers ran for their lives then took the money before
the robber grabbed $18 from fleeing the scene.
the driver and fled. "The good thing is I had just
The Public Transit Associa- dropped some money to the
tion immediately called for owner of the bus so I only had
stricter laws making it a terror- that money on me," said the
ist offence to interfere with a driver.
bus driver on duty. "I did what I thought was the
The PTA is also upset with best thing to do and I just thank
the way police handled the sit- God that I was not shot and
uation. According to the driver, none of my passengers were
officers never inspected the shot."
vehicle. Yet two bullets..wxe......... Following the incident, the
"laterfof6iiid,o of which left a driver said he immediately
dent protruding on the outside drove to Quakoo Street police
of the bus. station, where he reported the
The driver, who asked to incident. While an officer took
remain anonymous, said he was his statement, no-one examined
driving in the Blue Hill Road the vehicle, he said.
area around 4pm on Sunday Yesterday, the bus owner,
when the incident occurred. along with PTA president
He said there were six to Reuben Rahming, examined
eight persons on board when the vehicle and located two
he heard the words "Bus stop!" spent bullets inside the bus.
He said someone approached Mr Rahming said the PTA
him from behind, firmly believed that anyone
"I felt when they leaned for- attempting to attack or rob a
ward, but I thought they had passenger on a bus should be
stumbled when they came up equated with a terrorist.
to pay the fare. But then he "Holding up a driver or
jumped up on the engine and
told me to turn through a side SEE page 10


they would prefer LNG facilities to be sit-
ed in "another country" because an explo-
sion would devastate everything in a 50-
mile radius.
And they have described such facilities as
"the most attractive of terrorist targets."
The comments struck fear into Bahamas
environmentalists, but brought a dismis-
sive response from Trade and Industry
Minister Leslie Miller, who supports pro-
posed LNG lines between the northern
Bahamas and Florida.
Anti-LNG campaigners in the Bahamas
have claimed that Florida wants gas facili-
ties in the islands rather than risk having
them sited onshore. They say terrorists
would rate LNG terminals as natural tar-
gets.
Rhode Island's Patrick Kennedy and
Massachusetts Congressman Edward
SEE page 10


Crackdown nets

249 illegal

immigrants
0 By PAUL G TURNQUEST
Tribune Staff Reporter
ONE DAY of crackdowns by Immi-
gration officials and the Royal Bahamas
Defence Force (RBDF) resulted in 249
illegal immigrants being apprehended.
Vincent Peet, Minister of Labour and
Immigration, said the public should not
be alarmed by this large number, but
applaud the fine job officers were doing
to protect the country's borders.
"There is no need to be alarmed by
anything. This was a concentrated effort
by these relevant agencies, so instead
of being alarmed, the public should be
congratulating these officers for doing
such a fine job," he said.
On Saturday morning the Department
of Immigration carried out a raid in the
Carmicheal Road area resulting in 88
undocumented illegal immigrants being
captured.
Of the group there were 79 Haitians
SEE page 10


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today


* THE lasting damage of one of the bullets following the jitney incident.
(Photo: Felip6 Major/Tribune staff)


Man dies after

losing control

of vehicle
* By DENISE MAYCOCK
Tribune Freeport Reporter
FREEPORT A traffic accident on
the SC Bootle. Highway at Abaco has
claimed the life of 52-year-old Jacob Nes-
bitt of Cooper's Town.
According to police reports, Nesbitt
was driving north around 5pm on Sunday
when he lost control of his vehicle and
crashed into a utility pole.
This is the second traffic fatality for
the year in Abaco.
Supt Basil Rahming said Nesbitt was
the only occupant of the Ford Taurus,
which overturned several times. It
appeared that he died instantly.
Police believe that speed was a factor
in the accident.
It is also believed that the victim, a
handyman at SC Bootle High School,
may have fallen a sleep at the wheel.
Investigations are continuing.


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Referendum on CSME only





way out for government


WHEN the new PLP govern-
ment took office in 2002
Prime Minister Perry Christie told the
Bahamian people that his would be an
administration of wide and thorough con-
sultation on the way forward.
The Prime Minister then appointed a
string of commissions and committees to
effect consultation with the people on a
range of matters.
How effective most of them have been
still remains to be seen. There is con-
cern that the advice of some may not be
as representative of consultation with
the people as of the views of the
appointees themselves.
Some of these bodies have tried to car-
ry out their mandates, but it is not an
easy thing to get many Bahamians to par-
ticipate in consultation unless the issues
are provocative and immediate.
I suspect that the Constitutional Com-
mission may be experiencing this diffi-
culty even though, in this case, the com-
missioners did an excellent job in framing
the issues for the public. Real heat is
likely to be generated after the commis-
sion makes its recommendations.

Nevertheless, consultation is a
good thing, especially when a
government proposes to strike out in new
directions affecting the overall develop-
ment of the country. The most hazardous
of these for any government are the ones
related to serious social, cultural and
political engineering.
When and how to consult, and at what
levels in particular cases, are all judg-
ment calls to be made by the government
of the day.

"When and how
to consult, and at
what levels in
particular.cases, are
all judgment calls to
be made by the
government of the
day. The highest form
of consultation is, of
course, an election.
But it is rare for a
government in our
parliamentary system
to go back to the
people for a mandate
on a particular issue."


The highest form of consultation is, of
course, an election. But it is rare for a
government in our parliamentary system


to go back to the people for a mandate
on a particular issue.
Some governments have preferred to
include possibly unpalatable proposals
in their general election manifestos, espe-
cially when they enjoy a high level of
popularity and public confidence.
The old PLP government took the
country into independence in 1973 based
on a mandate given to it inthe fr.,
election of 1972. "
The British did not demand a referen-
dum and there has been some speculation
that they wanted to be rid of us and did
not trust the people to say yes.

More than two decades later the
people of Bermuda rejected
independence and opted to remain a
colony of Britain. Bermuda is once again
taking a look at the question.
More and more these days there are
calls for certain national issues to be put
to the people in referendums.
The time will no doubt come when the
expense and disruption associated with
referendums will be ameliorated by tech-
nology that will enable the voter to make
his wish known on an issue without leav-
ing home.
But that, too, would be something
demanding very careful consideration by
a government for a number of reasons.
Government by referendum can result
in conflicting decisions being made by
an electorate given the opportunity to
pick and choose from a comprehensive


"Prime Minister
Christie and his
colleagues are
not enjoying the
overwhelming
popularity which
would allow them
to win an election
in which CSME
accession is a part
of their platform."

national programme.
An electorate can also change its mind
on a particular matter from week to week
as has been demonstrated in developed
countries where scientific polls are con-
stantly conducted.
While all aspects of a particular issue
may be known to politicians and close
observers, it sometimes takes weeks,
even months, for those elements to. sink
into the consciousness of people. They
are for the most part going about the
business of making a living and do not
have the time nor the inclination for
meticulous examination.

That is one reason why represen-
tative government evolved in the
first place. People elect representatives
in whom they have confidence and whose
ideas are most akin to their own.
The representatives are supposed to
make it their business to study the issues
and make decisions on behalf of the elec-
torate.
A wise representative and a wise gov-
ernment would, of course, keep the peo-
i,.-spi.eythTrmerspre .wlrnformed as
Spossiblen"'aid listfincarefully to what the
people are saying &s the.process moves
along.
The difficulty with the latter is that
those who are inclined to speak out pub-
licly on a regular basis are few in num-
ber, but they often claim to be repeating
"what the people are saying".
Also, "what the people are saying" can
sometimes be nothing more than echoes
of what the government has said finding
its way back home.
In the end, the best judgment of "what
the people are saying" is made by astute
elected representatives who stay in touch.
All of which goes to show that democ-
ratic government is not an easy thing.
It is, in fact, quite involved, and that is
why politics is both a science and an art.
One of the matters most governments
are .reluctant to put to referendum is any
agreement relating to trade, and that is
because such agreements are usually
quite complex.
The government of the United States
did not submit the North American Free
Trade Agreement to a referendum
although there was a vigorous campaign


to secure public support.
That campaign saw Democratic Presi-
dent Bill Clinton and former Republi-
can President George Bush united on the
issue and appearing together on the same
platform.
It appears that there will be no such
happy bipartisan togetherness and public
support in The Bahamas on the
Caribbean Single Market and Economy
and that the issue will eventually have
to be decided by referendum, a referen-
dum the PLP government is likely to
lose. Such a defeat would be damaging
but not necessarily fatal.
Prime Minister Christie and his col-
leagues are not enjoying the overwhelm-
ing popularity which would allow them to
win an election in which CSME acces-
sion is a part of their platform.
That was the kind of popularity Sir
Lynden Pindling and his government
enjoyed in 1972.
It would also be a very risky thing for
them to take the country into the CSME
without a referendum before the next
election since the opposition would most
likely see that as an irresistible campaign
issue.
So the only way out for Mr Christie
and his colleagues at the moment seems
to be a referendum.
That would require a campaign in
which the Bahamian people would have
to be thoroughly convinced of the bene-
fits and honestly apprised of the disad-
vantages.
The promised White Paper must there-
fore be a document of extraordinary
lucidity and frankness.
Even so, some people would be likely
to suggest the easy way out, as some did
in the 2002 constitutional referendum:
"If you don't understand it, vote against
it!"
Which reminds me of something the
late Sammy Haven used to say to his
younger co-workers at The Tribune many
years ago when they pulled a prank on
him: "I hope you recognise that when
you see it again!"
And Mr Haven was himself a prankster
of no mean order.


NO CONSULTATION

It seems that a government which
came to power promising unprece-
dented consultation with the people has
fallen down badly on its promise. There
has been endless talk, to be sure, but lit-
tle effective communication, let alone
consultation.
A good example of this was the recent
announcement of the Cable Beach rede-
velopment project. There was much talk
and pretty artists' renditions (which a
ZNS reporter called photographs) but
no answers to questions of vital interest
to the people.
At Guana Cay and Harbour Island, and
Inagua, too, it appears that a lot of trou-
ble could have been avoided if Mr
Christie and his colleagues would really
consult and communicate, instead of just
talk.


Share

your.


news
The Tribune wants
to hear from people
who are making
news in their
neighbourhoods.
Perhaps you are
raising funds for a
good cause,
campaigning for
improvements in
the area or have
won an award.
If so, call us on
322-1986 and share
your story.


THE TRIBUNE


PAGE 2, TUESDAY, APRIL 26, 2005









THE T T


-- hOA NW


Crime scene science


chance for civilians


* By TIFFANY GRANT
Tribune Staff Reporter

A FORMER police super-
intendent and fingerprint
expert has decided to form the
first Bahamian civilian finger-
printing and crime scene insti-
tute.
The Newton's Hall Institute
of Applied Science, founded
this year by Dr Perry Edison
Newton Sr, is geared towards
providing training in finger-
print classification and com-
parison, scenes of crime
preservation and examination
for law enforcement, quasi-
law enforcement officers and
individuals in the legal pro-
fession.
"There may be officers or
persons outside of the police
force who have a propensity
towards this type of thing.
"However, ordinarily they
would not have gotten the


opportunity, other than by the
ordinary means of having to
queue up and waiting until
someone says 'its your time
now,"' explained Dr Newton.
Travis Bowe, an officer at
Her Majesty's Prison who is
attached to the surveillance
department, took advantage
of the course offered.
"I think the programme was
very challenging. It is advan-
tageous to members of the
various areas in national secu-
rity and the private security
firms can benefit from it as
well," said Mr Bowe.
Dr Newton served as a
police officer for 30 years and
retired from the force as a
superintendent.
For 25 years he held the
position of fingerprint techni-
cian and was promoted to.
chief fingerprint expert for the:
RBPF and the Turks and
Caicos Islands.


Tributes paid to 'The Candy Man'

THE sweet factory proprietor known as The Candy Man and Big
Daddy was praised as a "joyous personality" at his funeral on Friday.
Lester Mortimer, who died after being struck by a car on Cable
Beach 10 days ago, was loved and respected by all, said fellow freema-.
son Idris Reid.
Mr Mortimer, 71, was proprietor of Mortimer's Candy Kitchen,
one of the best-known small businesses in Nassau. He took over the
company after the death of his father Ulric, the original Big Daddy.
In his tribute at Christ Church Cathedral, Mr Reid recalled Mr
Mortimer's life as a freemason, churchman, social activist, sportsman
and helper of others.
-.He referred to him as "a kind, loving and gentle giant" who was the
.life and centre of any activity he was involved in.
In the service obituary, Mr Mortimer was praised as a family man
who with Gloria, his wife of 53 years, always kept open house. He was
also described as "multi-faceted", a man who enjoyed parties and
interacting with others.
Officiating at the service was Archbishop Drexel Gomez assisted by
five clergymen. Interment followed at St Mary's the Virgin Ceme-
tery.

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h m m e r .. a c saw?


It can be effectively argued that
no one grows up aspiring to be
a drug addict; no parent dreams
that their child will become an
alcoholic. Yet, around the world
drug addiction and alcoholism is
on the rise, especially in young
people.

The Haven is a unique facility
in Nassau with a deep
understanding of the disease of
addiction and a goal of
rehabilitating those afflicted. A
Christian faith ministry, The
Haven offers hope and the
promise of a fulfilling life to
young Bahamian men through a
three-part recovery process that
targets the body, soul, and spirit.
The first phase is withdrawal
from the addiction, then skill
development and work. The
third phase is re-entry into
society, drug and/or alcohol free.

The Haven's Carpentry
Workshop is at the center of the
skills development program. On
a very practical level the
Workshop produces high quality
out-door furniture and proudly
lists Atlantis, the Lyford Cay
Club, and the Ministry of
Tourism among its clientele. At
a profoundly altruistic level, that
is successful time and time
again, the Workshop is a true
work skills (and work ethic)


development program. The
young apprentices learn the fine
art of carpentry, build impressive
outdoor furniture, rebuild their
lives, and put a secure, hopeful
shape to their futures.

The Carpentry Workshop has
another, crucial role. Monies
earned from the sales of the
furniture supplements the
income which sustains the
primary rehabilitation programs.
There is tremendous potential in
the Workshop's income-
generating enterprise to move
The Haven toward self-
sustainability. A carefully
planned expansion program is
now underway to realize that
potential. Think about it: a self-
sustaining skills development
program that rehabilitates young
lives.

The Father Pat Fund is pleased
to donate $2,000 to The Haven.
Please consider supporting their
efforts through financial or
practical contributions. The
expanding workshop needs
sanders, drills, circular saws,
hammers, a professional jointer,
planer, and shaper. The list is
quite modest. The potential spin-
off of an expanded Workshop is
remarkable. Please call Haven
Director Mark Lacey [393-5923]
for details on how you can help.


Bahamas-based businessman pleads


not guilty to fraud charge in US


BAHAMAS-BASED businessman Derek
Turner, who once had hopes of building a
replacement for the World Trade Center, is in
jail after being busted by the:FBI for alleged-
ly defrauding hedge fund investors of $1 mil-
lion.
Mr Turner has pleaded not guilty to the
charge.
US prosecutors reportedly plan to bring
more charges, that would lift the total fraud
claim to $4 million,
The charges carry a maximum sentence of
20 years in jail .. .
The Bahamas-based Turner, who described
himself as a securities trader, was arrested by
Federal Bureau of Investigation agents at his
office in Long Island, New York, on April
16.
Newsday reported Turner was nabbed with
the help of a former con ian Barry Minkow,


who uses his skills to track down swindlers.
Turner's lawyers said he would fight the
charges and focus on "interesting elements"
such as the role Minkow played in the inves-
tigation.
The FBI alleges he swindled $1 million from
a father and son with the promise of 40 per
cent annual returns.
Turner allegedly told the pair he had $500
million in the hedge fund, but it only con-
tained $300,000, according to court documents.
Prosecutors indicated they had evidence
suggesting $4 million had been swindled.
Turner disputed this and said the money was
still in the fund. He said that he would be
able to prove this if freed.
Turner will apply for bail at a hearing today.
The businessman lives in the Bahamas with
his Taiwanese-born wife, three children and
three stepchildren. They had been living here


Thrks and Calcos looki

M By A FELICITY leaders are in Grand Bahama
INGRAHAM today touring housing schemes,
Tribune Staff Reporter after meeting with Bahamian
government officials Monday
BAHAMIANS who are fed to discuss plans for their first
up with the overcrowding in government housing project.
New Providence but reluctantly The entourage includes: Min-
to move to the Family Islands ister of Immigration, Housing
should consider.the Turks and and Labour Jeffrey Hall and his
Caicos, goveriienient leaders permanent secretary Hubert
from the neighbouring country Fulford; Director of Housing
said. T'exhInnerarity; Chief Econo-
The country bosts a grow mist DeltnJones, Finance
ing tourism industry, several Director ArthuriBeen; Chief
large developments currently EgieeAlfred Smith.
underway, and a $45 million They are meeting with
cruise ship port to be built i Bahamian Housing Minister
Grand Turk. ~ Shane Gibson and his team of
Turks and Caicos Minister of architects and engineers as the
.Finance Floyd Hallsaid the Turks and Caicos embarks
country is looking for some of upon its firt housing scheme,
the Turks islanders who left to with the aim of constructing 150
find jobs in Nassauto return, homes.
and is seeking to attract "full- Minister Hall said the team
fledged" Bahamians to its
shores. .
Minister Hall, who also serves
as deputy chief minister as well
as ministerof health and nation- TE
al insurance., said the Bahamas F E O
has always been a gracious host, I
and that his government is look- P.-


since 2000, after Turner emigrated from New
Zealand.
Turner hit the headlines in 2002 when he
unveiled a design for a building to replace
the World Trade Center, which was destroyed
in the September 11 terrorist attacks. The
futuristic 533-metre-high building, which
would have been the world's tallest if built,
was overlooked by officials.
Mr Turner was due to appear before the
Court of Appeal in Nassau yesterday in con-
nection with his libel suit against Iranian busi-
nessman Mohammed Harajchi yesterday.
The Tribune received word late last night
that Mr Turner's legal team had learned of his
arrest over the weekend and contacted the
counsel for Mr Harajchi, who had agreed to
the matter being stood down pending the out-
come of Mr Turner's matters in the United
States.


ng to attract Bahamians
system is used to fund housing $200,000 donation made by the
construction. Turks and Caicos for hurricane
Mr Gibson and his team have relief efforts.
been able to build more than Homes in the Turks and
800 homes in the past three Caicos' affordable housing
years. In excess of a thousand scheme may be more expensive
more are on the drawing board than those in the Bahamas at
or already under construction. present, but Mr Hall said it is
Turks leaders want their hoped the amount will not
plans to accommodate a grow- extend much more than $50 to
ing population and to handle $60 per square foot.


.~ ,7 ~ A NN~r WW .W~'1'


Established in 1956 by an old Bahamian family
Parliament Street (near Bay St.) Tel: 322-8393 or 328-7157
Fax: 326-9953
Bay Street (next to Athena Caf6) Tel: 323-8240
Crystal Court at Atlantis, Paradise Island Tel: 363-4161/2
Lyford Cay (next to Lyford Cay Real Estate in
Harbour Green House) Tel: 362-5235
e-mail: www.colesofnassau.com P.O. Box N-121


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S TiiERRACE CENTREVILLE TEL: 322-1731 OR 322-3875


TUESDAY, APRIL 26, 2005, PAGE 3


THE TRIBUNE







PAGE 4, TUESDAY, APRIL 26, 2005


THE TRIBUNE


I A 0 317


TAHSADAAI A



TIE NOMINATIONS COMMIE


Wishes to announce that applications are
now being invited from all qualified members
who wish to be considered for
recommendation as candidates for the seats
to become available on either the Board of
Directors or The Supervisory Committee at
the 28th Annual General Meeting to be held
on Saturday May 21, 2005.

All members interested in serving in either
capacity should collect an application form
from any office of the Teachers and Salaried
Workers Co-operative Credit Union Limited
offices in Nassau, Freeport or Abaco.

Completed applications, along with other
information requested should be returned to
any of the offices on or before the close of
'business on Friday April 29, 2005.

Any application, not fully completed or without
the requested supporting information, or
received after the aforementioned date will
not be eligible for consideration.

"BIG ENOUGHTOSERVE,-
^^^^^^^^^^^^^^^^^^^^i^A Am^^^BBBH^^^B^^BB^^


Praise an


thanks


to


The Tribune Limited
NULLIUS ADDICTUS JURARE IN VERBA MAGISTRI
Being Bound to Swear to The Dogmas of No Master

ILEON E. H. DUPUCH, Publisher/Editor 1903-1914

SIR ETIENNE DUPUCH, Kt., O.B.E., K.M., K.C.S.G.,
(Hon.) LL.D., D.Litt.

Publisher/Editor 1919-1972
Contributing Editor 1972-1991

EILEEN DUPUCH CARRON, C.M.G., M.S., B.A., LL.B.
Publisher/Editor 1972-

Published Daily Monday to Saturday

Shirley Street, P.O. Box N-3207, Nassau, Bahamas
Insurance Management Building., P.O. F-485, Freeport, Grand Bahama

TELEPHONES
Switchboard (News, Circulation and Advertising) 322-1986
Advertising Manager (242) 502-2352
Circulation Department (242) 502-2387
Nassau Fax: (242) 328-2398
Freeport, Grand Bahama: 1-(242)-352-6608
Freeport fax: (242) 352-9348









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"Copyrighted Material -.

Syndicated Content*
Available from Commercial News Providers"



l a


.





.' -,. -


EDITOR, The Tribune.
TWO Saturdays ago College
of the Bahamas lecturer, Mr
Livingstone Evans, was buried.
There was no fanfare, no overt
public celebration of his life or
his work or anything commen-
surate to the contribution that
he made to his country through
educating its people. Contem-
poraneously, the gazettes told
the story of former COB Lec-
turer, Felix Bethel being in
court for what he allegedly said
or didn't say to somebody or
other.
I found both situations ironic
and sad because regardless of
the shortcomings of both men,
they both did (and for Mr
Bethel hopefully one day will
once again do) what lecturers
and teachers are supposed to
do they made you think -
and they both did it exception-
ally well.
Both men taught me Mr
Bethel, Government and Poli-
tics, and Mr Evans, Macroeco-
nomics during the Spring
Semester of 1998 when I was at
the College. For me, being
taught by both men at the same
time at the somewhat impres-
sionable age of seventeen deep-
ened my sense of nationalism
and enlarged my concept of
civic responsibility. It was at the
feet of these two scholars that
my best time at the College was
had and when I learnt the most
about what (to me) really mat-
ters the integration, estab-
lishment and development of
the Bahamas and how I fit into
it all.
I write today to sing their
praises and,to thank them both,
for causing me to think and
really for laying the foundation
for the man that I am today I
publicly salute both of them and
thank them for their service.
I hopefully will sing their
praises too in my writing about
something that I don't feel has
received sufficient attention in
the main and again ironically,
to which I myself was first intro-
duced in Mr Evans' Macroeco-
nomics class the Dutch Dis-
ease.
Sir William Arthur Lewis, a
St Lucian economist and the
first black man to win the Noble
Prize for anything other than
peace, theorised that when
small economies have a large
single industry, the effect will
be that that large industry
would stunt growth and not
stimulate it, as it would absorb
all of the factors of production
(labour, land, capital and entre-
preneurship) leaving little or


none for the development of
other industries.
I saw this in Exuma last week,
where my colleagues and I
could find few fishermen, no
bird pepper and no yellow grits.
It quite literally seemed as if
most people in Exuma were
employed by the Four Seasons
Hotel (which by the way is very
nice) or in other places that
without the Four Seasons could
not survive. This is, of course,
unscientific and anecdotal, but I
believe it shows what Sir
William much earlier identified
and contrary to what some will
have you believe, this is not
development because it can
never lead to the Bahamas
being a developed country (if
you need more information on
this I strongly recommend you
read The Bahamian Economy
by J Kevin Higgins available at
most Bahamian bookstores).
But, of course, this is not new,
we in the Bahamas have known
for decades that Tourism in its
present state has what econo-
mists call, a negative multiplier
- last time I checked, only 86
cents of every tourism dollar
spent in the Bahamas remained
in the economy needless to
say this is something that needs
to be improved if developed sta-
tus is to be achieved.
The point is this, while we in
the Bahamas continue to pursue
with firm resolve and a face set
like flint, so-called "anchor


properties" for our Family
Islands and even major hotels
for New Providence, we also
need to identify, organize and
assist in setting-up other busi-
nesses in other industries (not
mercantile proprietorships) that
can be spun-off the "anchor
property" into sustainable busi-
nesses.
Now, what do I mean by sus-
tainable businesses you ask? By
sustainable businesses I mean
that if the Four Seasons would
one day close, that those busi-
nesses would be able to fend
for themselves and survive and
those businesses that would
assist in propelling the Bahamas
from developing to developed
status. Right now (again this is
from what I casually observed)
many of the businesses that
have been established since the
opening of Emerald Bay are not
self-sustaining and if the hotel
ever closed they would go belly-
up and really are only good for
providing a cash injection into
that economy that is fleeting. I
strongly recommend that the
previous and successive gov-
ernments adopt a less laissez-
faire approach to this area of
our economy, as the invisible
hand approach is trumped by
the Dutch Disease. If we fail to
do this, the Bahamas will yes
maintain a fairly high standard
of living, but it will always
remain a developing country
and developed status should be
its goal.

KELE ISAACS
Nassau,
April 20,2005.


lecturers


Deeper and



deeper into the


pit of dependency

EDITOR, The Tribune.
ONE would think that this LNG project would demand a ref-
erendum since the effects of agreeing to it could most likely be
catastrophic. Such a decision should not be made by a group of
politicians who do not live by the soil or the sea, but my their
mouths. Commonsense alone should make us wary of snakes
bringing gifts. After 31 years of Independence it seems we are
descending deeper and deeper into the pit of dependency. We
are not only giving away our land, but endangering the very pos-
sibility of living as we have done for generations, profiting
from the wealth and beauty of our seas.
Even if the LNG project were safe which I doubt, since its
proposers are merely human it would provide a gift for ter-
rorists out to spite the USA. We can prepare for hurricanes and
(God forbid!) tsunamis, but the only preparation for the possible
man-made LNG disaster would be to say no to it.
MP Miller, be assured that we are capable of earning our own
millions by the sweat of our brow, not by having to wait hat-in-
hand for the oil piping foreigners to throw us a pittance for ruin-
ing our lives. They have somewhere else to go when the crash
comes. We do not. Thank you.
TELCINE
TURNER ROLLE
April 13, 2005.


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TH TIBN Iti~JLOCAL- NEWS. 1t%.s, I%.A..,


Former minister criticises




'misleading of the public'


* By RUPERT MISSICK Jr
Chief Reporter
A FORMER cabinet minister has
accused-Fred Mitchell of misleading
the public on the issues surrounding
the Caribbean Single Market and
Economy and called on the govern-
ment to stop keeping decisions on the
CSME "under the radar".
Zhivargo Laing also accused Mr
Mitchell, the Foreign Affairs Minister,
of having an "amateurish understand-
ing of the CSME."
"On the Darrold Miller show today
and on previous occasions he con-
firmed that his government had agreed
to sign on to the CSME by way of a
cabinet decision on December 212004.


"However, in today's Nassau
Guardian he denies that his govern-
ment has made any such decision," said
Mr Laing.
"I hold fast to my announcement
that on December 21 2004, the cabinet
of the Bahamas, that is the Christie
administration of which Mr Mitchell
is a part, agreed in principle to sign
onto the CSME at the next Heads of
Government meeting in July of this
year, provided that they received reser-
vations in a number of areas and will
circulate a white paper on the issue.
"Any statement to the contrary is
simply untrue," said Mr Laing.
He challenged the minister to make
public the alleged cabinet decision so
that the public can know the govern-


ment's position on the matter.
';If, as he says, the cabinet made no
such decision, let him prove it by pub-
lishing the cabinet approval of Decem-
ber 212004 to which he has been refer-
ring.

Decisions

"How can he on the one hand claim
that I am asserting that he is acting
alone when the government has decid-
ed to sign onto the CSME and that the
government means the prime minister
and the cabinet, while on the other
hand he says that the government has
made no such decision? Something is
amiss," said Mr Laing.


The Bahamian people, he said, must
demand clarity from Mr Mitchell on
the issue.
"He seems to have an amateurish
understanding of the CSME and is using
it to lead us down a path he knows not.
"Contrary to Mr Mitchell's views,
the CSME is not simple, uncomplicat-
ed, or without drama. If that were the
case, why is he and his government
seeking exemptions and reservations
and why have they taken three years to
decide on the issue?" he asked.
"The fact is that the Christie admin-
istration has decided to join the CSME
and that is why Mr Mitchell and his
colleagues have kept that decision
under the radar and away from the
Bahamian people," said Mr Laing.


* By TIFFANY GRANT
Tribune Staff Reporter
BISHOP Michael Eldon is resting
comfortably after more than two
months in hospital.
The bishop continues to rely on a
ventilator, but was allowed to leave
Doctors Hospital on Sunday
evening and is "resting comfortably
at his residence," according to a
press release.
The bishop's sister, Dr Keva
Bethel, said that his condition is sta-
ble, but that "he still has a long way
to go before he is fully recovered".
Bishop Eldon's physician, Dr
Kevin Moss, is still monitoring his
condition and 24-hour care is being
provided by a full team of nurses.
As the bishop begins to re-adjust
to familiar surroundings, Dr Moss
has asked that visitors be restricted.
Dr Bethel in a interview with The
Tribune last week, said that her
brother did not lie in the hospital
with his eyes closed at all times.
However, from her observation he
was not fully conscious, but she is
certain he recognises her voice.
He was admitted to Doctors Hos-
pital on January 31 with pneumonia
and, after complications from this
illness, suffered respiratory failure
and went into a coma.
A medical report from Dr Moss,
issued on April 4, reported that the
bishop's condition had deteriorated
and that he was is suffering from
recurrent pneumonia with sep-
ticemia (blood poisoning).
However, the latest medical
report, issued on April 21, indicated
that he has clinically improved and
the septicemia has been resolved.
"We are grateful for the wonder-
ful care provided by the medical
team, and we are most appreciative
of the outpouring of love that we
received from the church and the
wider community over the past
months. We ask for your continued
prayers for Bishop Eldon's recov-
ery," said Dr Bethel.
Masses continue daily at noon at
Christ the King Anglican church,
Ridgeland Park, as Anglicans con-
tinue to pray for his recovery.


School's $200,000



fundraising campaign


* By NATARIO McKENZIE

A MAJOR fundraising drive
is being organised by Govern-
ment High School to gather
$200,000 for sorely needed
upgrades.
This year, one of the coun-
try's oldest and most accredited
institutions is celebrating its
80th anniversary under the
theme "The way we were".
Throughout its history, gov-
ernment high school has pro-
duced some of the nation's most
prominent citizens, among them
Governor General Dame Ivy
Dumont, former prime minis-
ter Sir Lynden 0 Pindling, cur-






FO 3IN I W SRICE


2:00
11:00
12noon
12:03
12:30
12:58
1:00
1:30
1:58
2:00
2:30
3:00
4:00
4:30
4:58/30
5:00
-5:30
6:00
6:30
7:00
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8:30
8:45
9:45
11:15
11:30
1:00


TUESDAY
APRIL 25
Community Pg 1540AM
Immediate Response
ZNS News Update- Live
Caribbean Today News
Immediate Response
Caribbean Today News
Ethnic Health America
Sports Lifestyle
Caribbean Today News
CMJ Club Zone
Treasure Attic
Gospel Video Countdown
Lisa Knight & The Round
Table
Cybernet
ZNS News Update Live
Caribbean Newsline
Cinema, Cinema, Cinema
Bahamian Things
News Night 13
Bahamas Tonight
Kerzner Today
Ethics & Excellence
Opening Ceremony 52nd
Annual Family Island Regatta
Da' Down Home Show
Andros Festival Pt. 2
Bahamas Tonight
Immediate Response
Community Pg. 1540AM


S .
NOTE: Z-T 13reere


rent prime minister Perry
Christie, and several notable
religious leaders.
To commemorate this lega-
cy, the school's committee has
initiated a fundraising drive, and
has produced a souvenir book-
let highlighting the institution's
illustrious history.
"Government High has
made many contributions to
Bahamian society: Sir Lynden
Pindling, Orville Turnquest,
Paul Adderley, playwright Ian
Strachan, they all attended this
institution," said Vaughn
Aulbury, a committee member
and head boy at the school from
1975 to 1976.
According to committee


chairman Kim Deveaux, during
the next few months the com-
mittee is scheduled to host sev-
eral events, including a nation-
al T-shirt day and a fun run and
walk, in an effort to raise funds
for the cause.
These events will all be
capped off by a grand ball at
the Radisson Cable Beach
Resort in June.
According to Mrs Deveaux,
the ball will honour Sir Lynden
as well as former principals of
the institution, including cur-
rent principal Linda Major.
The committee is calling for
fellow alumni of the school, as
well as teachers and staff, to
assist in the effort.


td |


* CUBA
Havana
CUBAN rockers and fami-
lies alike went wild for Rick
Wakeman in a seaside con-
cert, rushing to the stage when
the former Yes star grabbed a
portable keyboard and started
jamming in the crowd, accord-
ing to Associated Press.
Wakeman and the New
English Rock Ensemble, or
NERE, played a two-hour set
late on Sunday for several
hundred Cubans in Havana's
open-air Anti-imperialist
Plaza on the Malecon, the


city's famed seawall.
"This is the best rock music
that has ever been played on
this island," said Jose Negrin,
40, who attended with his wife
and 15-year-old son.
Father and son looked on
in fascination, playing their
own imaginary keyboards in
the air, as Wakeman's fingers
flew around several pianos
and electric synthesizers.
The Brit wore a sequined
red, white and gold cape as he
played center-stage, while the
NERE's lead singer sported a
traditional tropical shirt
known as a guayabera.


Music honour for youth

at American college


A BAHAMIAN has been
named to the dean's list at
Westminster Choir College of
Rider University in Princeton,
New Jersey.
Adrian Archer, son of


Anthony and Brenda Archer of
Nassau, is a freshman majoring
in sacred music, and has just
returned from a choir tour of
Virginia, North Carolina and
Pennsylvania.


FIDELITY BANK (BAHAMAS) LIMITED

has a vacancy for the position of
CUSTOMER SERVICE REPRESENTATIVE





PROFILE:

* Associate degree
* Minimum of 5 (five) Bahamas General Certificate of
education (BGCSE) with grades "C" or higher, including
Math and English
* Computer Skills
* Priority will be given to mature & experienced applicants



PERSONAL
QUALITIES:

* Good interpersonal communications skills
* Excellent work attitude, punctuality and attendance records




Fidelity Bank (Bahamas) Limited offers an excellent remuneration
and benefits package including performance-based incentives,
medical insurance, life and long tern disability insurances and
pension plan.





Send resume no later than Friday 29th April 2005 to:

Human Resources Department
Re: Customer Service Representative
Head Office, Cable Beach
P.O. Box N-7502
Nassau
Fax 327.5175

e-mail: info@fidelitybahamas.com


THE TRIBUNE


I "r L-'/rl, /"II L -.., C-,-JV>.P. I 7-"%.,A- .#


-I








PAGE TUSDAYAPRI 26,2005 HE TIBUN


Artist saving e.


A NASSAU artist is using her tal-
ents in a bid to save the African ele-
phant.
Susan Sargent, a Nassau resident, has
married her love of nature and admira-
tion of elephants with her art to por-
tray the African elephant in an exhibi-
tion which opens at Atlantis this week-
end.
The choice of subject came almost
by accident. In 2000, she and her fiance
J Barrie Farrington, Senior Vice
President of Administration at Atlan-
tis, were on safari in Mala-Mala
and visited Abu Camp, the home
of Elephant Back Safaris in the


Okavango Delta of Botswana.
"I have a special place in my heart
for elephants, one of the most impor-
tant, intelligent species of animals in
the world, and one for whom the future
is uncertain," says Sargent. "We can't
allow such animals to become extinct it
would cut a large hole in the very fabric
of the ecological balance of life."
Since her experiences at Abu, she has
painted the majestic threatened ani-
mals, finding their "wonderful shapes
and textures as inspiring as their sensi-
tive and dignified nature."
Sargent's work on elephants, along
with other recent paintings, will be on


,phants

display at her one-woman art show in
the Apollo Room at the Coral Towers
at Atlantis from 10am to 7pm on Sat-
urday and Sunday, with a significant
share of the proceeds from sales going
toward 'Elephants for Africa', a Bristol
University (UK) sanctioned charity.
A private showing will be held Friday
night with special guest elephant
researcher Kate Evans giving a talk and
slide presentation.
An exclusive three-day safari offered
by Elephant Back Safaris, as well as
other items, will be auctioned off at
silent auction with all proceeds going
toward the research foundation.


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BRAZIL has promised to
give nine eastern Caribbean
countries antiretroviral drugs
to help them in their struggle
against HIV/AIDS, accord-
ing to Associated Press.
The Carribean Communi-
ty announced yesterday that
the drugs will be adminis-
tered to 500 AIDS patients
in Anguilla, Antigua and
Barbuda, the British Virgin
Islands, Dominica, Grenada,
Montserrat, St Kitts and
Nevis, St Lucia, and St. Vin-
cent and the Grenadines -
all members of the subre-
gional Organization of East-
ern Caribbean States.
In the Caribbean, 2.4 per-
cent of the population, or an
estimated 500,000 people,
have been infected with HIV
- a rate second only to sub-
Saharan Africa's. The
Caribbean figures exclude
Cuba, which has a relatively
low rate due to testing and
prevention programs.
Brazil promised the drugs
following a meeting earlier
this month between Carib-
bean officials, Brazilian pres-
ident Luis Inacio Lula da Sil-
va and the South American
country's health minister
Humberto Costa.
; ,.


SCHOLARSHIP FOR MARITIME STUDIES

The Bahamas Maritime Authority and the Bahamas Shipowners
Association are both offering attractive scholarships to young
academically sound Bahamians who are keen to train for an exciting
and challenging career in the Shipping Industry which is gaining
increasing national importance.

The scholarship is inclusive of tuition, fees, course material,
accommodation and transportation cost. Commencing in September
2005, successful candidates will follow a four (4) year degree
programme at the California Maritime Academy in the United States.
Upon completion of the degree, the qualified officers will be expected
to serve on board a Bahamian flagged vessel for at least 2 years.

Applicants should possess or expect to attain a minimum of five (5)
BGCSE passes, including Maths, Physics/ Combined Science and
English Language, at grade 'C' or above and a minimum combined
SAT score of 1000. All applicants must be physically fit and possess
good vision.

Further information and application forms can be obtained from Mrs.
Erma Rahming Mackey, Assistant Director, Bahamas Maritime
Authority, P.O.Box N-4679, Nassau, Bahamas, email:
emackey @bahamasmaritime.com, tel: 394-3024, fax: 394-3014.
Completed applications must be submitted in person or by post, with
copies of academic certificates and proof of Bahamian citizenship,
no later than Monday, 2 May 2005. Interviews will take place in
Nassau in June.


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THE TRIBUNE


PAGE 6, TUESDAY, APRIL 26, 2005








THE TRIBUNE TUESDAY, APRIL 26, 2005, PAGE 7


6'


Urban Renewal Project organisers to



send 'one of their own' to university


IN ORDER to advance the Farm
Road entrepreneurship training pro-
gramme, Urban Renewal Project
organisers are sending one of their
own to attend the National Founda-
tion for Training Entrepreneurship
University.
Through a donation made by The
Tribune, an officer will attend a pro-
gramme at the university and return
to share the information with the
Farm Road community.
The project team has identified
Constable Natasha Williams to attend
this certification course.
"It is something I can bring back
and share with the people of the com-
munity to better their lives," said Con-
stable Williams.
The Farm Road Urban Renewal
Project team started the "share with
the people of the community to better
their lives" after-school entrepre-


neurship training programme in
March 2005.
The programme, which will end in
December, is intended to teach young
people between 11 and 18-years-old
ten unique lessons about business and
career fundamentals that the organis-
ers feel will be of crucial importance to
them as they go through life.
Community
"Walking through the Farm Road
community we realised that there
were a lot of children with nothing to
do after school, so as a result, one of
the programmes we developed was
one teaching business skills," said
Assistant Superintendent of Police
Stephen Dean.
"Whatever the young person likes
that is what we try to build the busi-
ness skills around," he said.


Supt Dean said the programme is
already beginning to catch on in the
Farm Road community.
"We believe that if we can get
every child in Farm Road trained in
entrepreneurship we can take care of
many of the social ills that exist in the
community today," he said.
Supt Dean thanked The Tribune's
owners for their sponsorship and
expressed his hope that the pro-
gramme will extend throughout the
Urban Renewal Project.
The National Foundation for Train-
ing Entrepreneurship University,
based in New York, conducts year-
round training courses for teachers
and youth workers.
The training is designed to equip
them with the essential tools to teach
young people the principles of entre-
preneurship through after school pro-
grammes.


* PICTURED are Assistant Superintendent of Police Stephen Dean (left),
Constable Natasha Williams (centre) and Roger Carron, managing director of
The Tribune.
(Photo: Felipe Major/Tribune Stafj)


March for Jesus committee

planning island-wide parade


la Awof=

. ; 4-



'-4


* By DENISE MAYCOCK
Tribune Freeport
Reporter
FREEPORT The March
for Jesus committee is planning
an island-wide parade for May
14 that will bring together sep-
arate marches in Freeport and
east and west Grand Bahama.
Merlyn Cooper of the
Freeport chapter of Aglow
International said all religious
organisations will unite togeth-
er for a day of praise to pray
for the needs of communities
on the island.
The march in Freeport will
start at 8am at the Ranfurly
Circus and end at the Winn
Dixie parking lot downtown.
"We will stop at areas where
there are certain special needs.
and pray," Mr Cooper said.
Because of the challenges:
facing the business sector with,
the closure of the Royal Oap's


Resort, the business slump at
the International Bazaar and
fire at the Lucayan Medical
centre, organisers have decided
to include routes along the
main business areas of
Freeport.
"March for Jesus" is
observed yearly worldwide on
the Saturday before the
Penecost weekend. This year's
theme is: "Created to love.
Called to serve".
Originated
The event originated in Eng-
land with a prayer walk in 1987.
It was first observed in the
Bahamas in 1991 in New Prov-
idence and later expanded to
Freeport in 1992.
Ms Cooper said other activi-
ties, including a food drive and
T-Shirt safe, will be held April
,30. at all major food stores on
the island.


Poetry and essay competi-
tions for primary and sec-
ondary students.
She said any food and money
donated to the march will be
presented to the Salvation
Army and the Red Cross.
Grand Bahama Christian
Council president Reverend
Ricky Grant encouraged pas-
tors and community leaders to
support the march and the
events leading up to it.
"We have always been a
strong supporter of the march.
I believe the church ought to
always be visible as possible,
and this is one way we can do
this," he said.
Rev John Wallace, co-ordi-
nator of the March for Jesus at
Eight Mile Rock and Holmes
Rock, said the march will start
at the Community Holiness
Church in Martin Town and
end at St Stephen's Anglican
Church playing field.


TENDER NOTICE



The Bahamas Telecommunications Company Ltd.,
wishes to invite tenders for the construction of its
Customer Service Building in Simms, Long Island.

Interested companies may collect a tender specification
from the office of the Vice President/Planning &
Engineering in BTC's administrative building on John
F. Kennedy Drive or at BTC's office in Deadman's Cay,
Long Island, between the hours of 9:00 am and 5:00
pm, Monday through Friday.

Tenders are to be in a sealed envelope marked
"TENDER FOR CUSTOMER SERVICE BUILDING" and
delivered to the attention of:

Mr. Michael J. Symonette
President & CEO
Bahamas Telecommunications Company Limited
John F. Kennedy Drive
Nassau, Bahamas

All tenders must be received by 5:00 pm on Monday,
May 2, 2005. Tenders received after this date will not
be considered.

BTC reserves the right to reject any or all tenders.


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"Ladr n esoalBakng1vics


"Copyrighted Material

. Syndicated Content
Available from Commercial News Providers"


*
0

id

'4p


I


TUESDAY, APRIL 26, 2005, PAGE 7


THE TRIBUNE


I^ lb l















Christie affirms government




commitment to special needs


PERRY Christie has pledged
that the government will be
looking into providing more ser-
vices for children with special
needs.
The prime minister, who is
himself the father of an autistic
child, expressed his keen inter-
est and commitment to the
social development of special
children in the country.
Speaking at a meeting of PLP
supporters on Grand Bahama
on Saturday, Mr Christie said:
"We can no longer stand by
knowing that there are chal-
lenged children in our schools...
we must move immediately to
give those children a second or
third chance of not only being
the best they can, but in some
instances saving their lives."

Award

At the same meeting, about
150 PLP supporters were given
the party's highest award as stal-
wart councillors for their years
of service.
"This PLP party became what
it is today because of you," Mr
Christie told them at the Stal-
wart Councillors Banquet,
which was attended by hun-
dreds of supporters in the grand
ballroom of the Westin at Our
Lucaya Resort.
The party's constitution was
changed in 2000 so that more
than five people a year could
be nominated for the recogni-
tion.
The prime minister said that
the Bahamian people would
soon begin to see an economic
transformation take place
throughout country.
He added that major devel-
opments would be announced
soon in Eleuthera and the other
family islands, including Grand
Bahama, Mayaguana, Cat
Island, Exuma, Bimini, and
Abaco.


"We can no
longer stand
by knowing
that there are
challenged
children in
our schools."



Perry Christie
Mr Christie believes that
recent development of the film
studio at Grand Bahama would
launch the island as the next
movie capital of the world.

Filing

In addition to the filming of
Pirates of the Caribbean II this
summer, he revealed that a sec-
ond movie has now been
booked fqr filming on Grand
Bahama. i
"That rins the next movie
capital an the Hollywood of
this part of this of the world is
now being slowly defined as
being here on this island, and
that is a wonderful thing," he
said.
Mr Christie said that the gov-
ernment was also committed to
fostering a deepening of democ-
racy and political maturity in
the country by providing eco-
nomic and social stability to all
Bahamians.
"I am privileged of the oppor-
tunity given me during this sea-
son in my life and I do not want
to be out of office and ask
myself the question 'why did-
n't I do that then'."


N PRIME Minister Perry Christie during his speech to members of the PLP on Grand Bahama


Tourism cadets on an undersea adventure


A GROUP of foreign language stu-
dents went in at the deep end on a day
out.
The Ministry of Tourism's foreign lan-
guage cadets went on an undersea adven-
ture and special language activity at Stu-
art Cove's Dive Bahamas.
The cadets, who have been chosen from
hundreds of candidates because of their
foreign language aptitude, were complet-
ing the first phase of their foreign lan-


guage training course with a dive experi-
ence off South Ocean.
The group conducted their dive using
subs, submersible scoots that allowed the
students to pilot around a reef and inter-
act with tropical fish.
Prior to the dive, cadets were briefed
in Spanish and French on how to use the
sub by Stuart Cove's bilingual staff.
During phase one of the programme,
cadets participated in six weeks of activi-


ties which are conducted entirely in Span-
ish and French.
Starting the first Saturday in April,
cadets began phase two of the pro-
gramme, a month-long internship at
Atlantis, Dolphin Encounters, Hilton
British Colonial, RIU Paradise Island
Resort or Stuart Cove's Dive Bahamas.
The final phase of the programme will
take the cadets to live in Costa Rica,
France or Spain for four weeks.


Production is way out West


STUDENTS, parents and alumni are
joining forces put on a production of
excerpts from the famed Broadway musical
West Side Story.
Queen's College Production Club will be
putting on performances will be held on
April 28 to 30 at the Dundas theatre.
Dr Keith Wisdom, a graduate of QC, said
he was "thrilled" to return to the school to
direct this play.
Joining Dr Wisdom are Candace Bost-
wick as the vocal coach and choreographer,
Ellie Mackey as choreographer and


Lakeisha Bostwick as choreographer.
The musical is a modem Romeo and Juli-
et about two idealistic lovers who find them-
selves caught between warring street gangs;
the American Jets and the Puerto Rican
Sharks.
Sharing the lead roles are Khristy Nguyen
and Dinetia Dean as Maria, and Charles
Gardiner Jr and Ryan Winder as Tony.
Other lead roles are being portrayed by
Vernelle Davis as Anita, Edison Hanchell
as Riff and Jermaine Bethell as Bernardo.
The musical is supported by a cast of


dancers and singers from grades seven to 12.
Also joining the cast are two QC teachers,
who are also graduates of the school:
Astranique Bethel-Paul and Gregory
Deane.
Tickets are available now at the Queen's
College high school office and will be avail-
able at the Dundas on performance days.
Show times are Thursday, Friday and
Saturday at 8pm with a special matinee on
Saturday at 3pm. Ticket cost $10 for the
matinee, $15 for Thursday evening, $20 for
Friday and Saturday evening.


CI3
COMMONWEALTH BANK

Employment Opportunity
Assistant Manager, Credit Card Centre

Commonwealth Bank is the premier Bahamian Bank with branches
located in New Providence, Abaco and Grand Bahama. We are committed
to delivering superior quality service, to training and developing our
employees, to creating value for our shareholders and to promoting
economic growth and stability in the community.
Responsibilities Include:
Contribute to sound asset growth and profits through continual
solicitation of new customers and the cross selling of all seivices
Ensuring credit requests are carried out according to policy and decisions
made within the specified time frame
Contribute to the ongoing development of the SunCard Merchant
business
Ensuring collections of delinquent accounts are carried out according to
policy and that delinquency is controlled and well maintained
Sets and monitors activity-based targets to achieve business goals and
objectives
Maintains quality customer service while delivering services and
products, which meet the Bank's strategic plans
Maximizes the contribution of staff by active performance management
through ongoing day-to-day feedback and coaching
Preparing the relevant delinquency and credit activity reports
Qualifications, Skills and Experience:
Bachelor's degree in Business Administration, Banking & Finance or a
related field
Six (6) years Commercial Banking experience with at least three (3) years
at the Supervisory level
Experience should encompass International Credit Card Operations,
Collections and Credit
Strong Managerial and Leadership skills
Excellent communication, analytical and reasoning skills
Strong interpersonal skills to work effectively with staff and customers
Strong PC skills (Microsoft Office)
Remuneration:
We offer an excellent remuneration and benefits package which includes a
stock option plan, performance based incentives, health, vision, dental
and life insurances and a pension plan.

Interested persons should submit their resumes in WRITING or E-mail
along with copies of certificates before May 6, 2005 to:
IHuman Resources Department
RE Assitat ManRageCredit Cente --
RO. Box SS-6263, Nassau, Bahamas
Telefax: 394-0758
E-mail address: dionne.hope@combankltd.com


HCAit U, I Ut-bUAY, A'MIL Zbt, 2UUb


i rir- i riluuiIe







THE TRIBUNE


TUESDAY, APRIL 26, 2005, PAGE 9


cK,, I.L CAL,0I S


Phi Beta Sigma




presents its awards


PHI Beta Sigma Fraternity Inc hosted
its 91st anniversary southern regional
conference on Saturday.
The fraternity, which raises money to


help the poor and needy, met at the
Wyndham Resort.
Members of the fraternity and
guests were presented with awards in


Trailblazers in Bahamian and Sigma His-
tory from Phi Beta Sigma President
Kareem Hanna.
(Photos: Felipe Major/Tribune Staff)


Man wanted by



police turns



himself in


* By DENISE MAYCOCK
Tribune Freeport Reporter

FREEPORT A MAN want-
ed for firearm possession surren-
dered after eluding police earlier
in the week.
The 23-year-old male resident
of a Weddell Avenue and Bur-
ton Lane apartment turned him-
self in to the Central Detective
Unit (CDU) just after 12pm on
Sunday.,
The man is presently assisting
officers with investigations into a
matter that occurred on April 21,
said Superintendent Basil Rah-
ming.
According to reports, at around
8.30pm last Wednesday, a team of


Drug Enforcement Unit (DEU)
officers were on patrol near Winn
Dixie supermarket downtown
when they spotted a white Buick
driven by a man whom they sus-
pected of possessing of unlicensed
firearms or dangerous drugs.
As officers intercepted the
vehicle, the suspect jumped out
of the car and fled.
Supt Rahming said the man
was able to evade the officers,
but dropped a magazine clip for a
9mm handgun.
The clip contained two rounds
of 9mm ammunition.
The man's vehicle was
impounded and an all points bul-
letin was issued for the suspect,
who later surrendered.


Finance seminar


tackling CSME


CARIBBEAN finance exec-
utives have been in ited to
Trinidad for a seminar oillSME-
related topics.
The seminar, entitled"Liquidi-
ty management and business
opportunities in the Caribbean
Single Market and Economy
(CSME) and beyond," will be
held on May 2 and 3 at the
Trinidad Hilton and Conference
Centre.
It will be hosted by the Uni-
versity of the West Indies'
Caribbean Centre for Monetary
Studies (CCMS).
"The CCMS invites chief exec-
utives and senior managers from
the eight regional central banks,
commercial banks, investment


banks, mutual funds, insurance
companies and other private sec-
tor organisations, as well as fund
and treasury managers within the
Caribbean to participate in this
seminar," a university spokesman
said.
I The lead speaker will be N Bal-
asubramanian, chairman and
managing director of the Small
Industries Development Bank of
India.
To register, or for further infor-
mation, contact Kathleen Charles
on 1 (868) 662-2269, 1 (868) 662-
2002 or kacharles@fss.uwi.tt. Mar-
lene Jones can be contacted on 1
(868) 645-1174, extension 2548,
or: mlones@fss.uwi.tt.
Tickets for the event cost $450.


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LISTED PROPERTIES-RESIDENTIAL & COMMERCIAL I NASSAU & THE
I FAMILY ISLANDS


I


GLENISTON GARDENS
LOT NO. 0 Block 7
PROPERTY SIZE: 3 Bed, 2 Bath (10,875 sq. ft.)
LOCATION: East Side of Jean St. off
Prince Charles Dr.
APPRAISED VALUE: $189,000
TOWER ESTATES SUBDIVISION
LOT NO. 47
PROPERTY SIZE: 10,908 sq. ft.
LOCATION: Tower Estates Dr.
APPRAISED VALUE: $195,000
WESTERN CLOSE SUBDIVISION
LOT NO. 9
PROPERTY SIZE: Triplex (10,325 sq. ft.)
LOCATION: Bellot Rd. off Gladstone Rd.
APPRAISED VALUE: $244,000
YAMACRAW BEACH ESTATES
LOT NO. 247
PROPERTY SIZE: Single Family Under
Construction (6,935 sq. ft.)
LOCATION: West Side of Acklins Circle
APPRAISED VALUE: $100,000
GOLDEN GATES SUBDIVISION No. 1
LOT NO. 314
PROPERTY SIZE: Single Family Residence
(5,000 sq. ft.)
LOCATION: Malcolm Rd. West of Reef Ln.
APPRAISED VALUE: $115,000
GOLDEN GATES SECTION No. 2
LOT NO. 579
PROPERTY SIZE: 3 Bed, 2 Bath Single Family
Residence (60x100 sq. ft.)
LOCATION: St. Vincent Rd.
APPRAISED VALUE: $233,000
GLADSTONE ROAD ALLOTMENT
LOT NO. Crown Allotment No. 53 Lot #D
PROPERTY SIZE: 3 Bed, 2 Bath (5,995 sq. ft.)
LOCATION: Bellot Rd. West of Faith Ave.
APPRAISED VALUE: $124,000
CULMERSVILLE SUBDIVISION
LOT NO. 25
PROPERTY SIZE: Triplex Apartment (4,800 sq. ft.)
LOCATION: Orchid Ln.
APPRAISED VALUE: $160,000
UNION VILLAGE
LOT NO. 57
PROPERTY SIZE: Single Family Residence
(1,295 sq. ft.)
SITE AREA: 6,820 sq. ft.
LOCATION: Peach St. off Montrose Ave.
APPRAISED VALUE: $50,528


STAPLEDON GARDENS
LOT NO. 544
PROPERTY SIZE: Single Family Residence (9,600 sq. ft.)
SITE AREA: 2,457 sq. ft.
LOCATION: 130 ft. North of Spitfire Rd.
APPRAISED VALUE: $224,000
JOHN TERRACE
LOT NO. 3
PROPERTY SIZE: Single Storey Residence/
Two Storey Apartment (3,483 sq. ft.)
LOCATION: 200 ft. from Lincoln Blvd./Wulff Rd.
Intersection
APPRAISED VALUE: $135,000
TWYNAM HEIGHTS ESTATES
LOT NO. 61
PROPERTY SIZE: 2 Storey Residence (9,100 sq. ft.)
SITE AREA: 1,173 sq. ft.
LOCATION: Victoria St. & Coronation Rd.
APPRAISED VALUE: $203,000
SEVEN HILLS ESTATES
LOT NO. 15
PROPERTY SIZE: Single Family Residence (5,000 sq. ft.)
SITE AREA: 1,693 sq. ft.
LOCATION: Blue Hill Rd. South
APPRAISED VALUE: $145,000
SANDILANDS VILLAGE ROAD
PROPERTY SIZE: Residence/ Apartment Complex
(11,600 sq. ft.)
SITE AREA: 5N North Side of Sandilands Village
APPRAISED VALUE: $386,000
SHIRLEY STREET
LOT NO. 1 & 3
PROPERTY SIZE: Commercial (13,000 sq. ft.)
SITE AREA: 3,236 sq. ft.
LOCATION: Southern Side of Shirley St.
APPRAISED VALUE: $775,000
MURPHY TOWN ABACO
LOT NO. 122 Crown Allotment
PROPERTY SIZE: Apartment Complex
(9,000 sq. ft.)
LOCATION: Bay St., Murphy Town
APPRAISED VALUE: $96,940


LISTED PROPERTIES VACANT LOTS | NASSAU


COWPEN ROAD-HOLLYWOOD SUBDIVISION
LOT NO. Crown Grant A-66
PROPERTY SIZE: (10,875 sq. ft.)
LOCATION: 350 West of Refuge Court
APPRAISED VALUE: $71,000


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LNG explosion 'would devastate




everything in a 50-mile radius'


FROM page one

Markey remarked on the
alleged dangers of LNG during
a House debate on an energy
bill relating to fuel transporta-
tion.


Their comments added a
new element to the debate
about LNG safety in the
Bahamas, especially the claim
that an explosion would deci-
mate a 50-mile radius.
The government is enter-


taining proposals from two
major American companies
attempting to help moderate
natural gas prices by increas-
ing imports of natural gas into
the US in liquefied form. This
would involve building LNG


facilities and pipelines within
the Bahamas chain.
LNG is a natural gas lique-
fied by reducing its tempera-
ture to -2600 Fahrenheit, thus
condensing its volume by 600
times and making transport of


Shots fired on bus


FROM page one

harming a driver who is operating a vehi-
cle is just as dangerous as holding up a
plane and holding the pilot hostage," he
said. The West Bank in the Middle
East had in place terrorist acts related to
buses.
Mr Rahming said that while the PTA
does not want to lose the country's cul-
tural identity by forbidding conversation
between passengers and drivers, it needed
to send a strong message to passengers
that interfering with a driver in the line
of duty is a criminal offence that carries
significant fines, penalties or imprison-
ment.
"The PTA is pushing that legislation,"


he said. "When you consider the rate of
crime in the country and the fact that pub-
lic transportation has to go into these areas
in order to serve our customers, there must
be strong and decisive legislation as it
relates to crime and vandalism.
"Driving is the most dangerous form of
transportation, period. We would hope
that our country and legislators become
aware of the need to put special legislation
in place that would protect our drivers
and our passengers."
Bus robbery should have the same pri-
ority as store robbery, he said.
However, he said law enforcement often
did not take complaints seriously, which
led some bus drivers to think they had to
be vigilantes and find alternative ways to


deal with unruly passengers.
He said there is constant fare evasion
which drivers turn a blind eye to because
persons may react with violence if they
are asked to pay.
He said it was a "tragedy and a blatant
breach of police conduct" that the officer
who took the driver's statement did not
take the time to inspect the vehicle to see
if there was gunfire evidence. He said it
showed the lack of respect some officers
had for bus drivers.
Chief Supt Hulan Hanna told The Tri-
bune that he had not been informed of
the incident.
However, he urged Mr Rahming and
the driver to come forward so that police
could conduct an investigation.


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it by ship economical.
Democrats, led by Repre-
sentative Markey, argued for
Delaware Congressman
Michael Castle's amendment
to H.R.6, the Energy Policy
Act of 2005, which would
make the Federal Energy
Regulatory Commission
(FERC) the lead federal
agency for the siting of new
terminals for ships transport-
ing liquefied natural gas to the
US.
The amendment was defeat-
ed by a vote of 18-35, but
remarks made by several US
congressmen during the
debate have not slipped the
attention of key participants
in the dialogue about LNG
facilities in the Bahamas.
Sam Duncombe, of the
environmental organisation
Re-earth, which has been
campaigning against every
LNG proposal, noted some
remarks reprinted on the
website of consumer protec-
tion attorney Tim Riley of
two representatives in partic-
ular: Mr Kennedy and Mr
Markey.:
Mr Kennedy said: "We
would welcome the chance to
have our gas piped in from
some other country because
the fact of the matter is, our
State knows, as every other
State that has an LNG facility
knows, that if we were to ever
have that explode, it would
devastate a 50-mile radius."
Mr Markey added: "If you
just want the federal govern-
ment to decide in the middle
of your district where this
most attractive of all terrorist
targets will be located, then
you vote no, but understand
the consequences on the floor
today."
According to Trade Minis-
ter Leslie Miller, "these
remarks have absolutely no
substance."
I am so tired of the lies that
are in circulation about LNG,"
said Mr Miller, "It is impor-
tant for people to be educated
on the facts."
Mr Miller said he is familiar
with the TimRileyLaw.com
website on which these
remarks were reprinted, along
with the advertisements print-
ed by Re-earth, and said the
content of both sources is
totally biased and contrary to
the facts.
"It is so important for us to
expand and diversify our eco-
nomic base," said Mr Miller,
"and the facts are that LNG is
the safest and most effective
way to do that. These people
are trying to kill the story for
their own personal reasons,
but if you are going to kill a
story, kill it with the truth, not
with lies."
In response to the sugges-
tion that an LNG facility may
explode, Mr Miller argued
that there has been no loss of
life related to LNG in 40
years, and it would be impos-


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sible for an LNG facility to
explode.
According to FERC, LNG
is subject to numerous regula-
tory requirements, both at
facilities and on tankers.
Three accidents occurring
at LNG facilities have been
reported, the worst in 1944 at
East Ohio Gas Company
when a new tank failed as it
was being placed into service
and its contents spilled into,
the streets and sewer system,
resulting in a fire which killed
128 people.
Since then tanks have been
constructed with stainless steel
alloys instead of low-nickel
content metal as in 1944.
"LNG facilities are subject
to stringent safety standards
and would pose no threat to
the Bahamas," Mr Miller said.
"You want to talk about
risk, go light a match ,near a
BEC (Bahamas Electricity
Corporation) plant or by
BORCO (Bahamas Oil Refin-
ing Company) and see what
happens.












FROM page one

and nine Jamaicans, all of
whom have been taken to
the Carmichael Road
Detention Centre.
At about 10.43am that
day, the HMBS Bahamas,
while on a routine patrol
south of Inagua, intercept-
ed a Haitian sloop carrying
27 illegal immigrants (26
males and one female).'
While these people were
being transported to Nas-
sau, marine officers assigned
to the Land and Sea Park
Reserve in the Exumas
sighted a sailboat carrying
illegal immigrants about
four miles west of Wader-
ick Wells Cays.
The sloop was towed to a
nearby cay to await the
HMBS P-43 to pick them up
for transport to New Provi-
dence. On its way to the cay,
the HMBS P-43 intercept-
ed and boarded a second
Haitian vessel two miles
west of Elbow Cay.
The round-up in the Exu-
mas of both vessels totalled
133 Haitians, 28 females and
105 males.
Mr Peet said he knows
that illegal immigration is
currently the most difficult
and complex issue facing the
country, but said it was one
the government was com-
mitted to deal with.
"We find them and we
send them home. What is
happening now is a continu-
ation of my ministry's effort
to rid the Bahamas of all
these illegal immigrants.
This week we are also repa-
triating over 100 illegal
immigrants back to their
homeland and that effort
will continue," he said.
Currently there are over
300 Haitian, Cuban and
Jamaican illegal immigrants
at the Detention Centre
awaiting repatriation.


Share

your

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from people who are
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area or have won an
award.
If so, call us on 322-1986
and share your story.


Come nd se thefullline f*al you


PAGE 10, TUESDAY, APRIL 26, 2005


" 2/ceantl CIub


PARADIS E IS LAN


THE TRIBUNk









.._____________........__I I __1 .1 i


ARIANNE Etuk, Owen Bethel and Dr Pamela Etuk at the fifth
annual Kingdor Ball Gala in aid of the Bahamas Parkinson Foundation,
held at the Balmoral Beach Hotel on Saturday evening
(Photo by: Franklyn G Ferguson)



Reopened resort 'will


benefit Eleuthera'


THE reopening of The Cove
resort will help to eliminate the
"brain drain" from the island
of Eleuthera has been experi-
encing, claim Ministry of
Tourism officials.
The island has suffered in the
past from people leaving to look
for work elsewhere but it is
hoped that employment oppor-
tunities at the resort, which was
opened on Friday, will change
that.
Raymond Harrison, senior
manager of Eleuthera/Harbour
Island Tourist Office said:
"Quite a few work on Harbour
Island, but we've been getting
lots of calls and people are look-
ing forward to coming back to


Eleuthera as soon as develop-
ments start to take place.
"We are looking forward to
Eleuthera returning to its hay
day as it was in the 60s and 70s
but with a classier and more
upscale offering," said Mr Har-
rison.
The Cove, originally called
the Pineapple Cove was bought
last year by Scott and Leslie
Bumpas and Ann and George
Hartley of Dallas, Texas and
Seaside, Florida.
The long-time friends, while
vacationing at the resort in sum-
mer 2004 decided to purchase
the property from the original
owners.
After the hurricane season


passed, the owners started and
have almost completed renova-
tions to the 10 deluxe Suites and
12 standard rooms.
"There are a number of
investment opportunities on the
table right now that we are wait-
ing to take off and with this
being established is really going
to put people at ease and a lot
of them can start to move for-
ward.
"The transformation has been
dramatic. We're quite excited
about it," Mr Harrison said.
He added, however, that it
was important to maintain the
island's charm and local flora
when attracting foreign invest-
ment.


nn


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With 40 continuous years of insurance expertise,
stability and financial strength, we're proud to be
the choice of Bahamians setting sail on the sea of life.
With each new year, increasing numbers of individuals,
families and professionals are making Family Guardian
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Individual and Group Health Insurance
Savings and Investments (Annuities)
Residential and Commercial Mortgages

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your course for financial security.


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GUARDIAN

INSURANCE
COMPANY


S OFFICES: NASSAU, FREEPORT, ABACO & ELEUTHEi0~


TUESDAY, APRIL 26, 2005, PAGE 11


THE TRIBUNE


i<--


:: EAST BAY STREET, NASSAU P.O. BOX SS 6232












Committee gives aid


to needy persons


PAGE 12, TUESDAY, APRIL 26, 2005


I RECIPIENTS of donations with committee members and Alfred Sears, MP for Fort Charlotte


THE Chippingham Civic
Committee has extended a
helping hand to persons in need.
Following its aims of helping
the people of Chippingham, the
committee offered financial
assistance to Rodney McKay
and Mr and Mrs Fred Henfield
Sr, who lost their homes to fire.
It also came to the aid of
David Scavella, who has been


suffering from a long illness.
The proceeds were raised
from a steak-out and a walk-a-
thon held last year.
"The Chippingham Civic
Committee was able to enjoy
its success through the hard
work and determination of its
officers and members, com-
bined with the financial assis-
tance and encouragement from


Alfred Sears, the Fort Charlotte
Community Development
Association, Rev Philip Stubbs
and the members of St
Michael's Methodist Church for
the use of the church's facilities
at no cost, the generous dona-
tions from present and former
residents of Chippingham and
the Bahamian community," a
committee spokesman said


Ocean Cay is 9.45 miles from the nearest populated point of
Cat Cay and 7.8 miles from uninhabited South Cat Cay.


WhaO is :Uquef l Neura I Gt
Liquefied Natural Gas (LNG) is a colourless, odourless and non-toxic liquid
that is formed when natural gas is cooled to -161 degrees Celsius or 2600
Fahrenheit. When cooled to this temperature, natural gas changes from a
vapour to a liquid (LNG) and shrinks to less than 600 times its original
volume, requiring 600 times less storage space than the regular natural gas.
This makes it possible to ship large quantities to distribution centres like the
one planned for Ocean Cay, Bahamas. LNG is then regasified into natural
gas and fed into pipelines. LNG is the same natural gas used by millions of
Americans and billions of people worldwide for heating and cooking,
only its liquid form.




Why does the US need LNG?

The United States has historically produced enough natural gas, together
with pipeline imports from Canada, to meet domestic consumption. The
decline of US and Canadian gas reserves has created a supply imbalance
requiring the importation of LNG to make up for declining reserves.

Is the US building new LNG terminals?

Three of the existing US LNG terminals (all but the Boston terminal) are
undergoing major expansions and three new LNG terminals are under
construction in the Gulf of Mexico and one in Baja, Mexico.

Why does Florida need to be supplied by LNG?

Florida's continued growth requires that clean burning natural gas be
supplied to Florida and particularly south Florida where existing pipeline
capacity is weakest. Adding LNG capacity at the growth centres is the best
solution for the US supply imbalance. In addition, LNG is more economical
for south Florida than domestic pipeline gas and gives Florida a diversified
supply of gas sources.

Why not in Florida?

For the same reasons the BEST commission has determined that Freeport is
not an acceptable site. There are no ports in Florida with deepwater access
and acceptable safety zones. Port Everglades has deep enough water but
no available land and the acceptable safety zones would require billions of
dollars to acquire the adjacent land if it was for sale. The Federal Energy
Regulatory Commission (FERC) and Florida environmental reviews of the
AES and Tractebel's projects determined an LNG terminal in Florida was not
a feasible alternative.


THE TRIBUNE


Why an LNG Facility at Ocean Cay?

Unlike other proposed sites, Ocean Cay is the only site analyzed in the US or The
Bahamas that provides an adequate safety zone. Even if the FERC safety zones
were doubled or tripled the Ocean Cay site remains acceptable.










TUESDAY, APRIL 26, 2005


SECTION


business@100jamz.com


Miami Herald Business, Stocks, Analysis, Wall Street


* By YOLANDA
DELEVEAUX
Senior Business
Reporter . ....-

THE government is one
step closer to implementing
changes to the National
Insurance Board (NIB)after
a meeting with 'the Social
Security Reform Commis-
sion where Cabinet officials
saw a number of recom-
mendations being put for-
ward by the committee.
In an interview with The
Tribune, Alfred Stewart, the
commission's chairman, said
most of the original recom-
mendations made to
strengthen and reform NIB
were included in the pre-
sentation the body made to
cabinet.
A number of modifica-
tions had been made in
response to suggestions
from the general public, and
Mr Stewart said these had
been included in the report.
..These-recommendeati-ons -
included a reduction in the
level of the contribution ceil-
ing for mandatory private
pension plans.
Mr Stewart declined,
however, to go into detail
about the final recommen-
dations put before cabinet.
The NIB recommenda-
tions are designed to.
increase the sustainability of
the fund for another 25
years, and are intended to
improve the level of benefits
gained by the public under
the scheme and make it
more relevant to today's
environment.
Overhaul
Established in 1974, the
NIB fund has never had a
major overhaul. In recent
years, analysts have voiced
concern about its ability to
meet the needs of a grow-
ing, aging population at the
current level of contribution
and benefit payouts. By
some estimates, the NIB is
projected to be bankrupt by
2029.
Mr Stewart said the report
would be made public in a
few weeks, following pre-
sentations made to a num-
ber of key stakeholders,
including employee groups.
He added that the pack-
age of recommendations, if
accepted and implemented,
-would go- a long way'-to
improving the NIB and its
function to supplement the
retirement income of the
Bahamian public.
Meanwhile, assets under
management in Bahamian
private pension schemes
could exceed $1 billion by
2006, a Central Bank of the
Bahamas survey forecasted
earlier, even though less
than a quarter of the
169,000-strong employed
SEE page three


Pharmacists worried





over draft legislation

! By NEIL HARTNELL Degree in Pharmacy or its but who do not have the Bach-


Tribune Business Editor
BAHAMIAN pharmacists
are concerned that a draft Bill
to licence and regulate the sec-
tor will negatively impact many
businesses by tightening quali-
fication requirements, with the
Chamber of Commerce's presi-
dent arguing that it shows the
need for every industry to
understand the consequences
specific to it from signing on to
free trade agreements.
Winston Rolle yesterday told
The Tribune that the draft Bill,
which has not been laid before
Parliament, has caused concern
in the Bahamian pharmaceuti-
cal industry because the pro-
posed qualifications for obtain-
ing a pharmacist's licence are
radically different from the cur-
rent requirements.
.......He explained that because a
previous government had felt
there were "not enough suffi-
cient" Bahamian pharmacists,
it established a Certificate of
Competency programme, over-
seen by the Ministry of Health,


Union leader brands

middle-management

ban call as 'hogwash'

By YOLANDA
DELEVEAUX
Senior Business
Reporter
OBIE FERGUSON, the
Bahamas Trade Union Con-
gress (TUC) president, yes-
terday branded as "hog-
wash" a suggestion by the
Nassau Institute that man-
agement unions be banned,
arguing that Bahamians had
a constitutional right to join
any union
Mr Ferguson added that
the rights of Bahamian
workers to try and obtain
the best salary and benefits
package possible had noth-
ing to do with confidentiali-
ty, secrecy or their loyalty
to a company.
In an interview with The
Tribune, Mr Ferguson
rejected the Nassau Insti-
tute's call for a ban on man-
agement unions on the
grounds that managers
would be "compromised" if
required to vote on a strike
or walk-out, since through
their position they have
"access to confidential and
proprietary information of
the company". As a result,
the economic think-tank
argued that managers "owe
allegiance to owners and
SEE page three


uliamuer presi uet says it

shows all industries need to

understand CSME impact


to regulate new entrants and
those already in the profession.
However, the draft Bill for
licensing and registering phar-


macists in the Bahamas, and
overseeing how they practice,
requires all "applicants" to
"hold a Bachelors of Science


'equivalent' granted by a Uni-
versity or School of Pharma-
cy........
As a result, Mr Rolle
explained to a Pharmacist Asso-
ciation meeting last Thursday
that the minimum educational
requirements for entering the
industry had been radically
increased.
Although the draft Bill allows
people previously recognised
by the Pharmacist Association,


elors degree, to have a tempo-
rary licence and a five-year win-
dow in which to obtain the nec-
essary qualifications, Mr Rolle
said this would inconvenience
many workers who had been in
the sector for a long time.
The Bahamas Chamber of
Commerce's president told The
Tribune: "Those that do not
have the degree will have to
SEE page four


Serene island ambience of a bygone era keeps visitors coming back
to this charming Island Colonial refitted as a restaurant, bar and
boutique. Large covered terrace, lush tropical gardens and harbour
views create the backdrop in this ideally situated property. The
building encompasses 6,048 sq. ft. and the land is comprised of two
lots totalling 40,827 sq. ft. Offered for sale at $2,750,000.
Internet Ref. #2768
George Damlanos
Tel: 362-4211 Exclusive Affiliate of | M ,
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george@damlanos.com Knight
www.damlanos.com Frank 97
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HELPING YOU CREATE AND MANAGE WEALTH

NASSAU OFFICE
Tel: (242) 356-7764

FREEPORT OFFICE
Tel: (242) 351-3010


'Hats off' to Miller for 'taking



bull by horns' on used cars

0 By YOLANDA DELEVEAUX
Senior Tribune Reporter
THE Bahamas Motor Dealers Association (BMDA) yesterday
took its "hats off" to Leslie Miller, minister of trade and industry, for
"taking the bull by the horns" and laying out policy on the importation
of wrecked and used Japanese cars into the Bahamas.
The BMDA is now pressing for further policy reforms, citing envi-
ronmental and passenger safety concerns, as well as the hit government
revenue is taking from wrecked car imports. The Association is call-
ing for the creation of a vehicle classification system, an age limitation
to be imposed on the imported vehicles, and the implementation of
specific tariff headings for wrecked vehicles to classify them as "salvage
parts.
William Sands, the BMDA president, said in a letter to Mr Miller
that while there might be legitimate reasons for importing wrecks for
spare parts most, if not all these vehicles, should not be allowed on
Bahamian roads.
He said that in the case of wrecked vehicles, where the car's integri-
ty was often compromised, the safety of passengers must be considered.
Ongoing technical problems were also likely to be encountered in
regard to flood-damaged vehicle imports.
Mr Sands said the BMDA was also concerned that the importation
of wrecked vehicles might be providing another avenue for car
thieves.
a "Anecdotal evidence suggests that these imports might be adding to
the stolen car problem in the Bahamas, because an importer of a
Wreck is provided with the Road Traffic licensing slip from Bahamas
Customs," the BMDA president wrote.
Allegedly, criminals are selecting a vehicle in good condition
that is already here and then importing a wreck of the same year, make
S.and model. Once the wreck arrives, the vehicle in good condition is
.stolen and the Vehicle Identification Number or parts are switched
...with that of the wreck. Armed with the Road Traffic licensing slip from
Customs, the stolen vehicle is licensed under the.guise that it is the
"imported wreck."
0 MINISTER of Trade and Industry Leslie Miller. SEE page four


~ II' --- --


- =~,-- ---J ~--s c- L ~IJ I -c-- ~I. ~-a~-~- --- s-e L,








PAGE 2B, TUESDAY, APRIL 2b, 2UUb


1"* BAy FDLT CAIA


* By FIDELITY CAPITAL
MARKETS

TRADING was pretty brisk


during the past week in the
Bahamian market as more than
40,000 shares changed hands.
The market saw nine out of its


19 listed stocks trade, of which
four advanced, two declined
and three remained unchanged.
The volume leader for the
week was Doctors Hospital
Health Systems (DHS), with
11,100 shares changing hands
and accounting for 27 per cent
of the total shares traded.
Big advancers for the week
were Bank of the Bahamas
(BOB) and FirstCaribbean
International Bank (Bahamas)
(CIB), with both share prices
rising by $0.26 to close at new
52-week highs of $6.26 and
$8.01 respectively. On the
down side, Commonwealth
Bank (CBL) lost $0.02 to end
the week at $8.33.

* COMPANY NEWS
Commonwealth Bank
(CBL) -

Outperforming analysts
expectations for its first quarter
2005, CBL posted net income
of $5.6 million, up $911,000 or
19.57 per cent over the com-
parable period last year.
Net interest income


The Local Stock Market

FINDEX 435.63 YTD 1.321%


BISX
SYMBOL
AML
BAB
BBL-
BOB
BPF
BSL
BWL
CAB
CBL
CHL
CIB
DHS
FAM
FCC
FCL
FIN
ICD
JSJ
KZLB
PRE


CLOSING
PRICE
$0.95
$1.04
$0.85
$6.26
$8.00
$12.25
$1.45
$8.32
$8.33
$2.20
$8.01
$1.64
$4.02
$1.27
$8.35
$10.40
$ 9.50
$ 8.22
$5.90
$10.00


CHANGE

$0.26
$-0
$-0
$0.26
$-
$-
$0.09
$-0.02
$-
$0.26
$0.14
$-
$-0
$-
$-

$-
$-0.08
$-


ASSISTANT VICE PRESIDENT -

FINANCIAL CONTROL
The Hongkong and Shanghai Banking Corporation, Nassau Branch,
is seeking the services of an Assistant Vice President in its Financial
Control Department. The Successful candidate will carry out the
following duties:
Daily monitoring of Branch and Subsidiaries Balance
Sheets and reviewing daily exception reports.
Implement new accounting standards and regulatory
requirements in the Financial Control Department.
Assist in the monitoring of large exposures, interest
rate, foreign exchange rate and various credit risk limits.
Assist in the Asset and Liability management process.

Assist in the documentation and testing on controls
surrounding the financial reporting of certain accounts
in accordance with the Sarbanes-Oxley requirements.

Assist in the external, internal and Central Bank audit
processes by ensuring that financial records and financial
statements are provided during the exercise.

Complete regulatory and Group financial returns in
accordance with regulatory guidelines and Group
policies and standards.

Assist in the preparation of annual financial plans and
budgets.

Supervise daily bank and securities reconciliation

Qualifications/Experience:

A professional accounting qualification (CPA, CAA,
ACA, etc).

At least five (5) years of post qualification work
experience in an accounting firm or financial institution,
including 3 years in a supervisory or managerial role
building/leading small teams to achieve results within
tight deadlines.

Additional Skills:

A high level of interpersonal skills and the ability to
deal with management at all levels locally and
internationally.

Excellent communication skills (both verbal and written).

Ability to foster a positive team environment.

Ability to embrace change in a dynamic organization.

Proficient in Microsoft Windows based applications,
especially Excel and Word.

Applications should be addressed and submitted to:
Manager Human Resources
HSBC
P.O. Box N-4917
Nassau, Bahamas
Fax: 502-2566
Application Deadline: Wednesday, 11 May 2005


International Markets
FOREX Rates INTERNATIONAL
WEEKLY %CHANGE STOCK
CAD$ 1.2345 -0.94 MARKET
GBP 1.9140 1.20 NDEXES:
EUR 1.3062 1.14
WEEKLY %CHANGE
COMMODITIES DJIA .10,157.71 0.69
WEEKLY %CHANGE S&P500 1,152.12 0.83
Crude Oil $55.39 9.70 NASDAQ 1,932.19 .1.26
Gold $435.60 2.13 Nikkei 11,045.95 -2.86



POSITION AVAILABLE
LAKEVIEW MEMORIAL GARDENS & MAUSOLEUM

Requires: Customer Care Representative

Qualifications:

The successful candidate should have at
least three (3) years experience in customer
service and sales.
Must have good written and oral
communication skills
Must possess good leadership and
interpersonal skills.
Must be self-motivated and energetic

Attractive benefits package.
Please send resume to:

Lakeview Memorial Gardens & Mausoleum
P.O.Box CB 13773
Nassau, Bahamas
or
Fax: 323-7329


IoFinancial Advisors Ltd.
Pricing Information As Of: F n.is- Ltd.
25 April 2005

52wk-HI 52wk-Low Symbol Previous Close Today's Close Change Dally Vol. EPS $ DIv $ PIE Yield
1.20 0.95 Abaco Markets 0.95 0.95 0.00 -0.219 0.000 N/M 0.00%
8.40 8.00 Bahamas Property Fund 8.00 8.00 0.00 1.328. 0.320 6.0 4.00%
6.26 5.55 Bank of Bahamas 6.26 6.26 0.00 0.152 0.330 11.5 5.27%
0.85 0.82 Benchmark 0.85 0.85 0.00 -0.057 0.000 N/M, 0.00%
1.80 1.40 Bahamas Waste 1.45 1.45 0.00 500 0.101 0.000 14.4 0.00%
1.04 0.87 Fidelity Bank 1.04 1.04 0.00 0.007 0.040 14.1 3.85%
8.32 6.76 Cable Bahamas 8.32 8.32 0.00 0.556 0.240 15.0 2.88%
2.20 1.52 Colina Holdings 2.20 2.20 0.00 0.259 0.060 8.5 2.73%
8.35 6.75 Commonwealth Bank 8.33 8.33 0.00 0.632 0.390 12.9 4.68%
1.64 0.36 Doctor's Hospital 1.64 1.64 0.00 0.258 0.000 6.4 0.00%
4.02 3.13 Famguard 4.02 4.02 0.00 1,650 0.406 0.230 9.9 5.72%
10.40 8.39 Finco 10.40 10.40 0.00 0.662 0.490 15.7 4.71%
8.01 6.54 FirstCaribbean 8.01 8.01 0.00 0.591 0.330 13.6 4.12%
8.60 8.31 Focol 8.35 8.35 0.00 0.71.0 0.500 11.7 5.99%
1.99 1.27 Freeport Concrete 1.27 1.27 0.00 0.082 0.000 15.5 0.00%
10.38 9.50 ICD Utilities 9.50 9.50 0.00 0.818 0.405 11.6 4.26%
8.25 8.10 J.S.Johnson 8.22 8.22 0.00 0.785 0.550 10.5 6.81%
6.69 4.36 Kerzner International BDRs 5.78 5.77 -0.01 0.201 0.000 28.8 0.00%
10.00 10.00 Premier Real Estate 10.00 10.00 0.00 1.979 0.350 5.1 3.50%
52wk-HI 52wk-Low Symbol Bid $ Ask $ Last Price Weekly Vol. EPS $ Div $ PIE Yield
13.00 12.50 Bahamas Supermarkets 12.25 13.25 11.00 1.488 0.960 9.1 7.25%
10.14 10.00 Caribbean Crossings (Pref) 10.00 10.35 10.00 0.000 0.800 NM 7.80%
0.60 0.40 RND Holdings 0.29 0.54 0.00 -0.103 0.000 NM 0.00%
43.00 28.00 ABDAB 41.00 43.00 41.00 2.220 0.000 19.4 0.00%
16.00 13.00 Bahamas Supermarkets 13.00 14.00 13.00 1.105 0.810 14.6 6.93%
0.60 0.35 RND Holdings 0.29 0.54 0.35 -0.103 0.000 N/M 0.00%
52wk-HI 52wk-Low Fund Name NAV YTD% Last 12 Months Div $ Yield %
1.2164 1.1609 Colina Money Market Fund 1.216402*
2.2268 1.9423 Fidelity Bahamas G & I Fund 2.2268 **
10.3112 10.0000 Fidelity Prime Income Fund 10.3112"****
2.2214 2.0941 Colina MSI Preferred Fund 2.221401*
1.0931 1.0320 Colina Bond Fund 1.093141**

BISX ALL SHARE INDEX 19 Dec 02 = 1,000.00 YIELD last 12 month dividends divided by closing price
52wk-HI Highest closing price in last 52 weeks Bid $ Buying price of Colina and Fidellts
52wk-Low Lowest closing price in last 52 weeks Ask $ Selling price of Colina and fidellt)
Previous Close Previous day's weighted price for daily volume Last Price Last traded over-the-counter price
Today's Close Current day's weighted price for dally volume Weekly Vol. Trading volume of the prior week
Change Change in closing price from day to day EPS $ A company's reported eamings per share for the last 12 mths
Daily Vol. Number of total shares traded today NAV Net Asset Value
DIV $ Dividends per share paid in the last 12 months N/IM Not Meaningful
P/E Closing price divided by the last 12 month eamrningE FINDEX The Fidelity Bahamas Stock Index. January 1, 1994 = 100
- AS AT MAR. 31, 20051"" AS AT FEB. 28, 2005
* AS AT MAR. 24, 20051 AS AT MAR. 31, 20051 "* AS AT MAR. 31, 2005
FAMM MM.M K#MEAK@imRI. ,i .- ..- .W '


VOLUME YTD PRICE
CHANGE
0 -13.64%
500 8.33%
0 0.00%
2300 8.87%
8000 0.00%
0 -5.77%
0 -19.44%
4000 17.18%
10100 17.32%
0 0.00%
1000 6.94%
11100 9.33%
0 1.52%
0 -36.18%
2500 4.38%
0 7.22%
0 -3.94%
0 0.00%
1062 -2.64%
0 0.00%


increase in income was a $1.3
million reduction in Loan Loss
Provisions, which stood at $2
million as at March 31, 2005.
CBL management has attrib-
uted improved debt recover-
ies, coupled with strong asset
quality, as the primary reasons
for the reduction in provisions.
For the quarter, annualised
return on equity stood at 29.4
per cent, up from 28.4 per cent,
while Return on Assets was 2.9
per cent compared to 2.64 per
cent last year.
In related news, CBL's
Board of Directors will table a
resolution at the upcoming
Annual General Meeting ask-
ing shareholders to approve an
increase in the bank's share
capital from $69.5 million to
$89.5 million.
CBL proposes to issue two
new classes of preference
shares with a par value of $100.
It has been speculated that
these new preference shares
will be used to replace/retire a
portion of CBL's high yielding
preferred shares, which are
presently paying coupons of 8-
9 per cent.

* Doctors Hospital Health
Systems (DHS) -

Fiscal 2004 was a banner
year for the healthcare estab-
lishment, which posted its high-
est net income since its initial
public offering.
For the year ending January
31, 2005, DHS achieved net
income of $2.6 million com-
pared to $577,000 for the
equivalent period last year.
Total revenue increased by
$2.7 million to total $29 mil-


lion, while operating expenses
rose by $1.8 million to total
$24.3 million. Operating
income stood at $4.7 million
compared to $3.7 million last
year.
While the overhead expens-
es associated with the still
unsold Western Medical Plaza
have had a depressing effect
on.its income, it is evident that
DHS's management has done
an excellent job in containing
its operating expenses, stream-
lining and improving processes
such as receivables collection
and reducing its debts. One
burning question in the minds
of many of DHS shareholders
is: "When will the payment of
dividends resume?".

* INVESTORS TIP
OF THE WEEK
Financial Planning
for your children

Where should I invest my
child's/children's education sav-
ings -
As with all goals in life, your
chances of success are
improved when you have a
plan before you to start invest-
ing. We will discuss the first
two steps in the investing
process this week.

Step 1 Calculate how much
it will cost to educate your
child at your chosen school.

Step 2 Calculate how much
you must earn on your savings
in order to reach your invest-
ment goal by the time your
child reaches school/college
age. You can then decide
where to invest your money.


NOTICE
NOTICE is hereby given that JEFFREY VERNISE OF
MATTHEW STREET, NASSAU VILLAGE, NASSAU,
BAHAMAS, is applying to the Minister responsible for
Nationality and Citizenship, for registration/riaturalization as
a citizen of The Bahamas, and that any person who knows
any reason why registration/ naturalization should not be
granted, should send a written and signed statement of the
facts within twenty-eight days from the 19TH day of APRIL,
2005 to the Minister responsible for Nationality and Citizenship,
P.O.Box N- 7147, Nassau, Bahamas.




NOTICE
NOTICE is hereby given that MYLANDE ANESTAL OF
JOHNSON ROAD, FOX HILL, NASSAU, BAHAMAS, is applying
to the Minister responsible for Nationality and Citizenship, for
registration/naturalization as a citizen of The Bahamas, and that
any person who knows any reason why registration/ naturalization
should not be granted, should send a written and signed statement
of the facts within twenty-eight days from the 26TH day of APRIL,
2005 to the Minister responsible for Nationality and Citizenship,
P.O.Box N- 7147, Nassau, Bahamas.




NOTICE
NOTICE is hereby given that LUCKENSON PIERRE, DAVIS
ST., FOX HILL, NASSAU, BAHAMAS, is applying to the
Minister responsible for Nationality and Citizenship, for
registration/naturalization as a citizen of The Bahamas, and
that any person who knows any reason why registration/
naturalization should not be granted, should send a written
and signed statement of the facts within twenty-eight days
from the 26th day of APRIL, 2005 to the Minister responsible
for Nationality and Citizenship, P.O.Box N- 7147, Nassau,
Bahamas.


* DIVIDEND/
AGM NOTES:

CBL has declared an
Extraordinary Dividend of
$0.05 per share payable on
April 29, 2005, to all com-
mon shareholders as at
record date, April 22, 2005.
FCL has declared a divi-
dend of $0.11 per share
payable on May 13, 2005, to
all common shareholders as
at record date April 29,
2005.
CBL will hold its Annual
General Meeting on May 18,
2005, at 5pm at SuperClubs
Breezes, West Bay Street,
Cable Beach, Nassau,
Bahamas.
CHL will hold an Extra-
ordinary General Meeting
on May 20, 2005, at 9am at J.
Whitney Pinder Building,
Colina Insurance Company,
Head Office, Collins
Avenue, Nassau, Bahamas.


increased marginally to total
$14.1 million, while non-inter-
est income increased by
$100,000 to total $3.4 million.
Total income was $15.6 million
compared to $14million in
2004.
The catalyst behind the














SRegulator warns bank'could be breaching finance regulations'

,ban cal as 0ogwah THE Central Bank of the


FROM page one

shareholders" rather than
trade unions.
The TUC president,
who was the lead nego-
tiator for the Bahamas
Hotel Managerial Associ-
ation (BHMA) in talks
for an agreement with
the Hotel Corporation
for an industrial agree-
ment at the Radisson
Cable Beach Resort,
responded by saying
there were supervisory
unions throughout the
world that were operat-
ing within the law.
And Mr Ferguson
questioned whether the
Nassau Institute's mem-
bers were in a position to
comment on the opera-
tions of a union, and
whether they or the com-
panies they represented
would be willing to
release the information
they were asking of the
unions.
Among the ideas pro-
moted by the Nassau
Institute were that
unions be made responsi-
ble for collecting mem-
bership fees, not employ-
ers; the publication of all
union annual statements
by independent auditors
to employers and mem-
bers; and the circulation
of independent audits of
all mutual aid, pension
and other funds to con-
tributors.
Mr Ferguson said fur-
ther that the practice of
non-union employees
paying agency shop fees
was required because all
employees of a unionised
company benefited from
negotiations. It would
also be difficult for com-
panies to "discriminate"
against non-union
employees when salary
increases and other bene-
fits were being distrib-
uted.

Members
Mr Ferguson added
that employees who are
not union members only
pay agency shop fees and
do not pay full union
dues. These employees
are entitled to the bene-
fits derived from contract
negotiations, but are not
required to follow the
instructions of a union
officer.
In its newsletter, the
Nassau Institute suggest-
ed that non-union
employees not be
required to pay union
dues and that employers
not be required to collect
membership fees.
Mr Ferguson said, how-
ever, that employers
were not mandated by
law to collect member-
ship fees. He explained
that the practice was one
that was usually negotiat-
ed, and said that how
dues were paid was a
matter for the member-
ship.
Mr Ferguson added
that the International
Labour Organisation
(ILO) recommends that
where a collective bar-
gaining agreement is in
place, provisions be
made for the collection
of dues.
Union members
already had access to the
financial information that
the Nassau Institute was
urging be published, Mr
Ferguson said, question-
ing whether the econom-
ic think-tank's members
would be prepared to
publish company infor-
mation, including what
salary they were paid and
what bonuses and other
fringe benefits they
received.
Mr Ferguson said the
financial statements and
other internal workings
of the union are a matter
for members only.
"Why do we want
Bahamians to always get
the bad end of the stick
and restrict their free-
doms? I take great
exception at this. We


want to restrict [Bahami-
an workers] and put them
in a box? The Nassau
Institute can advance
whatever they want to
advance, but they will
find that the force of the
workers of this country is
second to none," Mr Fer-
guson said.


Bahamas has warne t a


financial institution may be
operating "in breach" of the
laws.
In an announcement last
week, the banking and trust
company regulator warned
that Icon Trust Bank, the
address of which it gave as 74
Shirley & Charlotte Streets
in Nassau, was not licensed
under the Banks and Trust
Companies Regulation Act
2000.

Alleged
Adding that the bank,
which had an alleged PO
Box number of N-1662,
could be breaching that act
and other laws, a Central
Bank spokesman said:
"Members of the public who
transact business with this
person do so at their own
risk.
"Prudence should be exer-
cised when dealing with this
person."

E JULIAN FRANCIS,
Outgoing Central bank of
the Bahamas governor


Contribution ceiling


FROM page one


workforce was included in such schemes in 2003.
In its own survey, the Social Security Reform
Commission discovered that Bahamians sup-
port the institution of mandatory private pen-


sions, seeing these as the best option for funding
their retirement.
Some 85 per cent of the respondents viewed
the current NIB pension as inadequate to sus-
tain living standards and quality of life in old
age.


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SMERC SHARP& DOHME
Professional Sales Representative

As part of a leading research-driven pharmaceutical products
and services company, we market a broad range of
innovative products to improve human health.

Currently we are searching for qualified candidates to fill
a Professional Sales Representative position open in the
Bahamas territory. This position is responsible for
implementing sales and marketing programs in their
assigned territory with the objective of increasing sales
and market share.

Minimum Requirements:

* Bachelor's Degree, MBA or equivalent college degree
* Previous medical sales representative experience preferred.
* Available and willingness to travel
* Excellent oral and written communication in English
language
* Knowledge of PC applications
* Valid and active driver's license
* Demonstrated interpersonal and presentation skills.

We strive to create a working environment that rewards
commitment and performance. As such we offer an excellent
compensation and benefit package.

Qualified candidates may fax or send resumes, with salary
history to:
PSR MSD
att: Mr S. Van Er
Lowe's Wholesale Drug Agency
Soldier Road
P.O. Box N-7504
Nassau, Bahamas

Fax: 1 242-393-1527

We are an equal opportunity employer. We take affirmative
action to consider applicants without regards of race, color,
sex, religion, national origin, Vietnam Era and/or Disabled
Veteran Status or individuals with disabilities.


U U


I


TUESDAY, APRIL 26, 2005, PAGE 3B


THE TRIBUNE







PAGE 4B, TUESDAY, APRIL 26, 2005


THE TRIBUNE


'Hats off to


Leslie Miller


FROM page one

The BMDA is recommend-
ing that the Customs Depart-
ment stop issuing the Road
Traffic licensing slip for wrecks
and flood-damaged vehicles.
Mr Sands said if the Govern-
ment felt it was in the public
interest to allow the importa-
tion of wrecks for spare parts,
then allowances could be made,
but the BMDA maintained that
wrecked vehicles should not be
allowed on the road or sold to
unsuspecting buyers.
The Association is suggest-
ing that Customs implement
specific tariff headings for
wrecked vehicles, classifying
them as "salvage parts." Vehi-
cles imported under this head-


ing will not receive the Road
Traffic licensing slip from
Bahamas Customs and should
attract the same rate of duty
and stamp tax attached to new
parts imported.
If the vehicles are imported
with the intention of rebuild-
ing them, in order to receive
the Road Traffic licensing slip,
the BMDA is suggesting tat
duty should be charged based
on the Black Book or Red
Book value of an undamaged
vehicle in the US.
Where a wreck is rebuilt in
the US, prior to shipping to the
Bahamas, the BMDA said the
Customs Department could
increase revenue by charging
duty based on the value of the
vehicle as shown in the used
car guides. To date, duty is


charged on a lesser figure,
based on the price paid for the
wreck plus the repair charge.
Fred Albury, past president
of the BMDA, was very posi-
tive about Mr Miller's attempts
to implement more stringent
policies in regard to wrecked
and Japanese used car imports.
"Hats off to Mr Miller for
taking the bull by its horns,"
he said. "A few might cry out,
but all in all his ministry is
responsible for protecting the,
consumer. I think he's doing
the right thing. A lot of vehicles
are stolen only to be stripped to
use the parts to repair wrecks,
causing insurance fees to go up.
"It's created a whole syndi-
cate of culprits out there that
were intentionally damaging
vehicles, stripping them, bring-
ing them in on one shipping
company and then reassem-
bling the vehicle once it got
here. Government was losing
out because customs was
putting a lower value on the
vehicle because they were
brought in as wrecks."
Mr Albury said officials are


FROM page one

apply for a temporary licence and a five-
year period to make adjustments and get
up to scratch.
"Some persons in the industry will be in
the twilight of their careers, and to survive
in an industry they've been in all their
lives they will have to get certified and
go off to school."
This problem was compounded, Mr
Rolle said, by the factthere was no edu-
cational institute in the Bahamas that
could provide the degree qualification
pharmacists would require if the Bill's
proposals became law. As a result, indus-
try veterans could be faced with going
abroad to study.
Mr Rolle said the Bill appeared to at
least be partly driven by the approach of
the Caribbean Single Market & Economy
(CSME) and other free trade arrange-
ments, which made it necessary for the
Bahamas to harmonise its regulations and
bring standards into line with those of
other countries as globalisation contin-
ues to bite.
The draft Bill on the Bahamian phar-
maceutical industry makes provision for
licensing professionals from other
Caribbean countries to set up and con-
duct business as pharmacists in this nation.
"Where anapplicant under this Act is a


trying to come up with a policy
in the best interests of all
involved, so the consumer is
better off with what they buy
and where they buy it from, and
able to get their full value for
money.
Meanwhile, in regard to
Japanese used cars, Mr Sands
said the vehicles have been
inundating smaller countries in
the Pacific Rim and the
Caribbean. He noted further
that with a shorter life span,
the older vehicles ended up in
the junk yards sooner than
newer vehicles. Most of these
vehicles still come equipped
with Freon 12 in their air con-
ditioning systems, and the
Bahamas has signed on to the
Montreal Protocol to eventual-
ly ban this older refrigerant.
However, the BMDA has
conceded that many of these
imported vehicles are still good
cars and attractively priced, but
the availability of spares part
continues to be a concern, par-
ticularly for vehicles five years
and older.
As a result, Mr Miller is seek-


ing to implement a ban on deal-
erships importing Japanese
used cars where replacement
motor and body parts do not
exist or are not readily avail-
able in the Bahamas.
In his letter, Mr Sands said
,anufacturers decide which
vehicles are exported to the dif-
ferent regions of the world, so
many of the Japanese used cars
imported to the Bahamas are
not the same as those supplied
by local dealers. This often
means that engine, transmis-
sion and body parts are differ-
ent, and therefore not available
in the Bahamas.
Some Bahamian dealers now
had the availability of an
Intranet service from the man-
ufacturers for many of these
vehicles however, so there was
the possibility that some
BMDA members will be able
to help customers.
The Bahamas General Insur-
ance Association (BGIA), in
an attempt to deal with this sit-
uation, has come up with a clas-
sification system for used
Japanese cars that both the


CARICOM national, the Pharmacist
Council shall not refuse to register a phar-
macist on the basis that the applicant is
not a national [of the Bahamas]," the Bill
says.
Mr Rolle confirmed that the Draft Bill
gives "people [from CSME member
states] the right to start up business in the
pharmaceutical area if they want".
He added that the Caribbean Associa-
tion of Pharmacists was set to hold its
mid-term 2005 meeting in the Bahamas
from May 20-23 at the Radisson Cable
Beach Resort.
One item on the agenda, Mr Rolle said,
was the "harmonisation" of the region's
pharmacy associations.
Speaking on the wider issue of the draft
Bill for the Bahamian pharmacy indus-
try, Mr Rope said: "This is one of those
cases where the Government has to look
very carefully before signing on to the
CSME as more persons and industries
like this will be affected.
"This here is just an eye opener for all
our industries that they have to pay atten-
tion. They have to understand what the
impact of these agreements will be on


Ministry and the BMDA agree
with.
Used cars would fall into
three categories those where
parts are interchangeable; those
where engine, but not body
parts, are available; and the
final category where no parts
are available. Vehicles in the
latter category would not be
imported into the Bahamas.
The Ministry of Trade and
Industry is also reviewing sug-
gestions that the Government
place a restriction on the
importation of vehicles over
five years of age.
Another matter the BMDA
is watching very closely, Mr
Sands said, is the Government's
intention to implement Emis-
sions Testing.
Based on the emission stan-
dard implemented, many of the
used vehicles imported into the
Bahamas were likely to face the
high costs of upgrading to con-
form to the intended standards.
Vehicle owners may also find
they have to dispose of the cars
because they cannot be upgrad-
ed.


each particular industry, as the Govern-
ment is not giving it consideration."
Mr Rolle said further concerns with the
draft Pharmacy Bill were that a Pharma-
cist Council would be created as "a body
corporate" to be responsible for registra-
tion, licensing and regulation of pharma-
cists.
Its members would receive remunera-
tion approved by the Minister responsible,
which the Bahamas Chamber of Com-
merce's president said had raised fears
about a further increase in bureaucracy
and red tape.
A further concern was that the Council
could determine which schools or colleges
Bahamian pharmacists could attend for
their Bachelors Degree, which Mr Rolle
said could lead to discrimination.
Pharmacists would also have to re-apply
for their licences every year, and provide
proof of the amount of continuing educa-
tion hours they. had taken during the year.
Mr Rolle, though, said he was uncertain
what stage the Draft Bill had reached in
the legislative process, although it has
not been tabled in the House of
Assembly.


DIRECTOR OF OPERATIONS / TRAINER

This position requires the successful applicant to perform specified
tasks and have at least the following credentials:

* Minimum of five years experience in quick service restaurants
where emphasis were on operations and management
* Minimum of five years experience in training front and back of the
house personnel, including managers in a restaurant environment
* Minimum of five years experience in culinary art techniques
* An associate or bachelors degree in culinary art
* Proven ability to motivate and direct staff
* Sound communication skills
* A strong sense of "ownership" and exercise ownership traits
* The flexibility to work long shifts and off days

COMPANY ADMINISTRATIVE MANAGER

This position requires the successful applicant to perform specified
tasks and have at least the following credentials:

* To oversee and coordinate the daily administrative and financial
operations of three outlets
* Oversee and maintain accurate financial and accounting data.
* Set tasks and directives for all administrative staff, including self
* Proficient in the standard computer programs and software with
particular proficiency in ACCPAC
* Proficient in the compilation of cash flow, balance sheet and income
statements and the ability to read and comprehend them
* The ability to compile annual budgets for the company
* A minimum of three years experience in the restaurant business
* The ability to motivate and direct staff
* Excellent communication skill
* The flexibility to work beyond the "standard work day"
* Tertiary level education is essential

Salary and bonuses for all positions are contingent upon experience
and productivity. Please forward resumes to:
Managing Director email: cvk@sbarrobahamas.com
or fax no: 356-0333

NO'3TE 3LEPHO E ITERI EW S ACCEPTED


ICD UTILITIES LIMITED
Notice To Shareholders



The Board of Directors of

ICD Utilities Limited is

pleased to advise that a

dividend of 13.5 cents per

share has been declared to

all Shareholders of record

as at 5th May, 2005 and

payable on 19th May, 2005


I


Pharmacists worried


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BUSINESS I


EMPLOYMENT OPPORTUNITIES I






I UItoUAY, MAI-lL 0Lt, -UUO, I-- r OID


BFSB group assesses financial




industry on disaster recovery


* BFSB chief executive and executive director Wendy Warren




Junior Network Engineer


A local networking consulting firm seeks highly
energetic, motivated and qualified Junior Network
Engineer, with the right attitude towards customer
service.

The ideal candidate should have a minimum of two
years experience in the IT field.

Responsibilities/Skills:

Working knowledge of Windows 2000
Professional & Server Environments
Install new PCs including loading software and
configuring network settings
Upgrade PCs hardware and operating systems
Provide basic level support of personal computer
hardware, software and operating systems
Must have good PC troubleshooting skills
Previous PC support experience is required
Excellent interpersonal skills
Ability to work in a team environment
Self-motivated
Requires A+, MCP or better.

Customer service will be a key focus of the successful
candidate.

Interested applicants please e-mail resumes to
itbahamas@hotmail.com at latest by April 30th,
2005.




4%UBS
UBS is the leading global wealth manager. UBS (Bahamas) Ltd.
our subsidiary in Nassau, has an opening for the position of a
Manager
Information Technology Services
The IT Services Team provides smooth daily processing of all IT
and telecommunication systems to UBS in the Bahamas. Our main
technological environment consists of a W2K Network with about
130 users, Netscreen Firewalls, MS-Exchange, Meridian PBX,
Sybase, MS SQL and Oracle database systems, IBM WebSphere
and Veritas NetBackup.
In this challenging position you will be responsible for:
* Leading the local IT Team (five professionals);
* Ensuring an ongoing high quality of all Information Technology
services provided;
* Budgeting, planning and coordinating all changes to the existing
IT environment;
* Reporting to local and global Management on a regular basis;
* Coordinating with local, regional and global Providers all
planned changes;
* Participating in local Management and Risk Committees
The successful candidate meets the following requirements:
* Bachelor's degree in Computer Science or Information Technology;
* At least 5 years of work experience in a similar position and
environment (proven track record);
* Expert knowledge of most of the above mentioned technologies;
* Several years of experience in managing a team of IT professionals;
* Strong Project Management, Leadership and Communication
skills;
* Banking knowledge desirable.
Interested candidates who meet the above criteria are asked to
apply in writing, enclosing a full resume with cover letter to:
UBS (Bahamas) Ltd.
Human Resources
RP.O.Box N-7757
Nassau, Bahamas


A BAHAMAS Financial Ser-
vices Board (BFSB) working
group is surveying Bahamian
financial institutions to assess
their disaster management and
recovery plans, with the focus
on determining whether there
is a greater need for co-opera-
tion on this issue.
The BFSB will also hold a
Business Continuity Planning
(BCP) Forum on May 12
to enable agencies such as
the National Emergency Man-
agement Agency (NEMA),
Public Utilities Commission
(PUC) and providers of key ser-
vices such as telecommunica-
tions, electricity and data, to
update the financial sector on
national disaster preparedness
plans.
The results of the BFSB sur-
vey, carried out by its BCP
working group, and the possi-
bilities for greater collaboration
in business continuity planning
would also be discussed.
In a statement, the BFSB said
the Bahamian financial services
industry had already shown it
could respond to its clients'


Bid to

promote

recovery

planning

The Bahamas Hotel Associa-
tion (BHA) is staging two day-
long workshops in a bid to help
minimise the impact of hurri-
canes and other disasters on
hotels and tourism-related busi-
nesses.
"Surprisingly, there are many
hotels and tourism-related busi-
Snessq.wihich don't.h.a.ye_a.plan...
If businesses don't have a plan,
.now4sthe time tocoreate one,"
said BHA president Earle
Bethell.
Two day-long workshops will
be held, the first in Nassau on
May 4 at the Radisson Cable
Beach Resort, and in Grand
Bahama on May 5 at the Sher-
aton and Westin at Our Lucaya.
Workshop sessions include
understanding best preparation
steps before and during a hur-
ricane; recovery and restoration
approaches; developing sound
communication procedures; and
mitigating damage with vulner-
ability and loss reduction tech-
niques.
Workshop facilitator Dr Jen-
nifer Edwards will help partici-
pants create practical simula-
tion exercises.


needs within two business days
of suffering a major hurricane.

Stability
Wendy Warren, the BFSB's
chief executive and executive
director, said the working
group's focus had been to
secure the financial services sec-
tor's long-term stability.
She added: "Ensuring busi-
ness recovery and continuity in
times of disruption is an essen-
tial component in the delivery
of high quality financial services.
In this regard, the Bahamas has
an excellent record over the 60
years of delivering internation-
al services.
"Through the process of an


industry-wide review and docu-
mentation of BCP capabilities,
we wish to take the lead; not
only at the individual institu-
tional level, but at a jurisdiction
level in meeting the needs of
the client."

Planning
The BCP Working Group's
goals include communicating
with clients and head offices on
the BCP plan in place, and
greater integration of the busi-
ness continuity plans of BFSB
members with those of the gov-
ernment and key infrastructure
agencies.
The working group's initial
focus has been a comprehen-


sive review of key infrastruc-
ture and its ability to support
business continuity plans at an
institutional level.
This process has included
a study of the 2004 Hurricane
Season reports issued by
the Economic Commission for
Latin America and the
Caribbean (ECLAC) and
activities of the National Emer-
gency Management Agency
(NEMA).
Also reviewed have been
proposals for the Bahamas
to become a signatory to
the Tampere Convention on
the Provision of Telecommuni-
cation Resources for Disaster
Mitigation and Relief Opera-
tions.


Employment Opportunity


HIGH SCHOOL PRINCIPAL


Progressive Christian organization is seeking a dynamic, results
oriented go-getter to lead a high school administrative team and
inspire a growing student population.


Responsibilities include the overall administration, supervision and
organization of the high school.


Applicants must be committed to the goals of Christian education, have
the necessary vision to ensure the future development of the high
school, and be able to lead and work effectively in a team environment.


Qualification: Masters Degree in Education preferred but persons with
less qualification buta proven record of successful leadership
may be considered.


We offer an attractive compensation and benefits package to the
successful applicant. Detailed information and application forms may
be collected from Evangelistic Temple,
Collins Avenue at fourth terrace west, Centreville.


Application deadline May 6", 2005.


.. ..,THE CENTRAL BAN.

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PAGE 6B, TUESDAY, APRIL 26, 2005


THE TRIBUNE BUSINESS


864,055 1,111,395
273,295 169,746
1,669,007 1,497,105
52,695 53,549
178,850 164,959
35,334 28,799
187,747 187,747

3.260.983 3,213,300


2,707,621 2,670,897
28L270 41.663

2.735,891 2,712,560


414.364 413,664
110,728 87,076

525.092 500,740

3.260,983 3.213,300







Director


December 17,2004
Date





1 General laformatio .

The Bank, wfich was formerly named CIDC Bahama Limited ("CIBC Bahamas") and controlled
by Canadian Imperial Bank of Coaeume (CBC anged its name to FirtCaribbean
International Bank (Balham) Limited oanOctober 11, 2002, following.the combination of the
retail, corpote and off~h baking operati of arcflays Bank PLC inThe Bahamas and the
Turks & CaWoIslands ('Do lays Balamsb") and C. C Bahamas.

The Bank is a ubsidiaryofFiiC*ribbm hIntenationdl Bak Limited formerly CIBC West Indies
Holdings Limited (the "P nMt), a company incopsiatd in Babados with the ultimate parent
companies being jointly CIBC, a company incorporate in Canada, and Batclays Bank PLC, a
company incorporated in England. .
Under the combination, CIBC West Indies became the legal parent company with Barclays
transferring its operations to subsidiaries of CIBC West Indies in exchange, ultimately, for
common shares and newly created classes of non-voting and preference shares of CIBC West
Indies. Barclays was,. identified as the acquirer as the fair value of its business prior to the
combination was significantly greater than the fair value of CIBC West Indies business and, as a
result, Barclays had the greater economic interest in the Parent. Barclays was therefore identified
as the acquirer. This situation is described by International Financial Reporting Standards (IFRS)
as a reverse acquisition.

The registered office of the Bank is located at 308 East Bay Street, Nassau, The Bahamas. At
October 31, 2004 the Bank had 738 employees (2003: 841).

2. Summary of significant accounting policies
Basis of presentation

This consolidated balance sheet is prepared in accordance with IFRS under the historical cost
convention as modified by. the revaluation of available-for-sale investment securities, financial
assets and financial liabilities held for trading and all derivative contracts.

Early Adoption of Standards

In 2004, the Bank early adopted the IFRS below, which: are relevant to its operations. All changes
in the accounting policies,have been made in accordance .with the transition provisions in the
respective standards and the 2003 accounts have been amended, where required.

i) IFRS 3 Business Combinations
ii) IAS 36 (revised 2004)Impairment of Assets
iii) IAS 38 (revised 2004) Intangible Assets

The early adoption of IFRS 3, IAS 36 (revised 2004) and IAS 38 (revised 2004) resulted in a
change in the accounting policy for goodwilL. Until October 31, 2003, goodwill was amortised on
a straight-line basis over 20 years; and assessed for an indication of impairment at each balance
sheet date.

In accordance with the provisions of IFRS: 3 the Bank has ceased amortisation of goodwill from
November 1, 2003. Accumulated ariortisation as at November 1,2003 lias been eliminated with a
corresponding decrease in the cost of goodwill. From the year ended October 31, 2003 onwards,
goodwill is tested annually for impairment.

Consolidation

Subsidiary undertakings, Which are those companies in which the Bank directly or indirectly has an
interest of more than one half of the voting rights or otherwise has power to exercise control over
the operations, have been fully consolidated. The principal subsidiary undertakings are disclosed
in note 22.

Subsidiaries are consolidated from the date on which the effective control is transferred to the
Bank. All inter-company transactions, balances and unrealized. surpluses and deficits on
transactions and balances have been eliminated. Where necessary, the accounting policies used by
subsidiaries have been changed to ensure consistency with the policies adopted by the Bank.

Foreign currency translation

Items included in the consolidated balance sheet is measured using the currency of the primary
economic environment in which the Bank operates ("the functional currency"). The functional
currency of the Bank is Bahamian dollars and this consolidated balance sheet is presented in
Bahamian dollars.

Monetary assets and liabilities denominated in foreign currencies arc translated into functional
dollars at rates prevailing at the date of the consolidated balance sheet and non-monetary assets and
liabilities are translated at historic rates.

Translation adjustments of investment positions in foreign entities are reported in shareholders'
equity. Translation differences on non-monetary items, such as equities classified as available-for-
sale financial assets, are included in the fair value reserve in equity.



Estimates

Preparation of the consolidated balance sheet in.conformity with International Financial Reporting
Standards requires management to make estimates and assumptions.that affect amounts reported in
theconsolidated balance sheet and accompanying notes. Actual results could differ from these
estimates.

Cash and cash equivalents

Cash and cash equivalents comprise balances with less than 90 days maturity from the date of
acquisition including cash balances, deposits with Central Banks (excluding mandatory reserve
deposits), and other money market placements.

Trading securities

Trading securities are securities which are either acquired for generating a profit from short-term-
fluctuations in price or dealer's margin, or are securities included in a portfolio in which a pattern
of short-term profit taking exists. Trading securities are initially recognised at cost (which includes
transaction costs) and subsequently re-measured at fair value based on quoted bid prices.

All purchases and sales of trading securities that require delivery within the time frame established
by regulation or market convention regularar '-av" purchases and sales) are recognised at trade
date, which is the date that the fBank commits to purchase or sell the asset. Otherwise such
transactions are treated as derivatives until settlement occurs.

Sale'and repurchase agreements
Securities sold subject to linked repurchaigr tmet(repos") are retained in the consolidated
balance sheet as investment securities and the counterparty liability is included in amounts due to
other banks under other liabilities. Securities purchased under agreements to resell are recorded as
loans and advances to other banks or customers as appropriate. The difference between sale and
repurchase price is treated as interest and accrued over the life of repurchase agreements using the
effective yield methodi. ': .:'. '. ': -' :


FIRSTCARIBBEAN INTERNATIONAL BANK (BAHAMAS) IMI

CONSOLIDATED BALANCE SHEET AS OF OCIOBER 31, 2004
expressedd in thousands of Bamian dom)

Nam


2003
S
(B-tted)


Cuh and due fom bauks
Tadinf securities
Loans and advances

Investment secutie .
Poparty, plant and equipment
Goodwill


Total Massts

LUablities

Deposits
Other liabilities

Total liablies


SLuepicarl sft-y
Slhre capital and reserves
Retained eaming8


Equipment, furniture and vehicles


2Y2%
10% or the term of the lease, whichever is
less
20- 50%


Where the carrying amount of an asset is greater than its estimated recoverable amount, it is written
down immediately to its recoverable amount. Gains and losses on disposal of property and
equipment are determined by reference to its recoverable amount and are taken into account in
determining net income.

Provisions

Provisions are recognised when the Bank has a present legal or constructive obligation as a result
of past events, it is probable that an outflow of resources embodying economic benefits will be
required to settle the obligation, and a reliable estimate of the amount of the obligation can be
made.

Borrowings

Borrowings are recognised initially at 'cost', being their issue proceeds (fair value of consideration
received) net of transaction costs incurred. Borrowings are subsequently stated at amortised cost
and any difference between net proceeds and the redemption value is recognised in the income

Interest rate swaps and hedging

Interest rate swaps are initially.recognised in. the. consolidated balance.. sheet at cost and
subsequently are measured at their fair value. Fair values are obtained from discounted cash flow
models, using quoted market interest rates. All interest rate swaps are carried as assets when fair
value is positive and as liabilities when fair value is negative.
Interest rate swaps have been designated as hedges when they effectively hedge the fair value of
certain loans, and hedge accounting is used for these derivative instruments. Changes in the fair
value of the swaps are recorded in the income statement and are matched with the corresponding
change in the fair values of the hedged loans that are attributable to market interest rate
movements. Otherwise the interest rate swaps are considered as held for trading and the changes i
:he fair vale of the swaps are immediately reported in net profit.
Changes in the fair value of the effective portions of derivatives that are designated and qualify as
fair value hedges and that prove to be highly effective in relation to hedged risk, are recorded in the
income statement, along with the corresponding change in fair value of the hedged asset or liability
that is attributable to that specific hedged risk.

If the hedge no longer meets the criteria for hedge accounting, an adjustment to the carrying
amount of a hedged interest-bearing financial instrument is amortised to net profit or loss over the
period to maturity. The adjustment to the carrying amount of a hedged equity security remains in
retained earnings until the disposal of the equity security.

The Bank's criteria for a derivative instrument to be accounted for as a hedge include:
i) formal documentation of the hedging instrument, hedged item, hedging objective.
strategy and relationship is prepared before hedge accounting is applied;
ii) the hedge is documented showing that it is expected to be highly effective in offsetting
the risk in the hedged item throughout the reporting period and:
iii) the hedge is highly effective on an ongoing basis.

Pension obligations

The Bank operates a number of pension plans, the assets of which arc held in a separate trustee-
administered fund. The pension plans are generally funded by payments from the Bank. taking
account of the recommendations of independent qualified actuaries, and from the employees.

A defined benefit plan is a pension plan that defines an amount of pension benefit to be provided.
usually as a function of one or more factors such as age, years of service or compensation. A
defined contribution plan is a pension plan under which the Bank pays fixed contributions into a
separate entity (a fund) and will have no legal or constructive obligations to pay further
contributions if the fund does not hold sufficient assets to pay all employees benefits relating to
employee service in the current and prior periods.

The liability in respect of defined benefit pension plans is the present value of the defined benefit
obligation at the balance sheet date minus the fair value of plan assets, together with adjustments
for unrecognised actuarial gains/losses and past service cost. The defined benefit obligation is
calculated annually by independent actuaries using the projected unit credit method. The present
value of the defined benefit obligation is determined by the estimated future cash outflows using
interest rates of government securities which have terms to maturity approximating the terms of the
related liability. Most of the pension plans are final salary plans and the charge for such pension
plans, representing the net periodic pension cost less employee contributions is included in staff
costs. Actuarial gains and losses arising from experience adjustments, changes in actuarial
assumptions and amendments to pension plans are charged or credited to income over the service
lives of the related employees.


Originated loans and provisions for loan Impairment

Loans and advances originated by the Bank by providing money directly to the borrower are
categorized as originated loans and are carried at amortised cost.

All loans and advances are recognised when cash is advanced to borrowers.

A credit risk provision for loan impairment is established if there is objective evidence that the
Bank will not be able to collect all amounts due according to the original contractual terms of
loans. The amount of the provision is the difference between the carrying amount and the
recoverable amount, being the estimated present value of expected cash flows, including amounts
recoverable from guarantees and collateral, discounted based on the interest rate at classification of
the loan.

The loan loss provision also covers losses where there is objective evidence that probable losses are
present in components of the loan portfolio at the balance sheet date. These have been estimated
based upon historical patterns of losses in each component, the credit ratings allocated to the
borrowers and reflect the current economic climate in which the borrowers operate and are
included in credit provisions. When a loan is uncollectible, it is written off against the related
provision for impairment; subsequent recoveries are credited to the provision for credit losses in
the income statement.

In circumstances where Central Bank guidelines and regulatory rules require provisions in excess
of those calculated under IFRS, the difference is disclosed as an appropriation of retained earnings
and is not distributable.

If the amount of the impairment subsequently decreases due to an event occurring after the write-
down, the release of the provision is credited to the provision for credit losses in the income
statement.

Investment securities

The Bank classified its investment securities into the following two categories; i) Held-to-maturity
and ii) available-for-sale assets.

Investment securities with fixed maturity where management has both the intent and the ability to
hold to maturity are classified as held-to-maturity. Investment securities and purchased loans and
receivables intended to be held for an indefinite period of time, which may be sold in response to
needs for liquidity or changes in interest rates, exchange rates or equity prices are classified as
available-for-sale. Management determines the appropriate classification of its investments at the
Held-to-maturity investments are carried at amortised cost using the effective yield method, less
any provision for impairment.

Investment securities and purchased loans and receivables are initially recognised at cost (which
includes transaction costs). Available-for-sale financial assets are subsequently re-measured at fair
value based on quoted bid prices or amounts derived from cash flow models. Unquoted equity
instruments for which fair values cannot be measured.reliably are recognised at cost less
impairment. Uiirealised gains and losses arising from changes in the fair value of securities
classified as available-for-sale are recognised in equity. When the securities are disposed of or
impaired, the related accumulated fair value adjustments are included in the income statement.

A financial asset is impaired if its carrying amount is greater than its estimated recoverable
amount. The amount of the impairment loss for assets carried at amortised cost is calculated as the
difference between the asset's carrying amount and the present value of expected future cash flows
discounted at the financial instrument's original effective interest rate. The recoverable amount of
an instrument measured at fair value is the present value of expected future cash flows discounted
at the current market rate of interest for a similar financial asset.

All regular way purchases and sales of investment securities are recognised at trade date, which is
the date that the Bank commits to purchase or sell the asset. All other purchases and sales are
recognised as derivative forward transactions until settlement.

Goodwill

Goodwill represents the excess of the purchase price of an acquisition over the fair value of the net
assets of the acquired subsidiary undertaking at the date of acquisition and is reported in the
consolidated balance sheet as an intangible asset.

Goodwill is tested annually for impairment and carried at cost less accumulated impairment losses.
Goodwill is allocated to lowest levels for which there are separately identifiable cash flows (cash-
generating units) for the purpose-of inmpairent testing. An impairment loss is recognised for the
amount by which the asset's carrying value exceeds its recoverable amount. The recoverable
amount is the higher of an asset's fair value less costs to sell and value in use.

Computer software development costs

Costs associated with maintaining computer software programmes are recognised as an expense as
incurred. However, expenditure that enhances or extends the benefits of computer software
programmes beyond their original specifications and lives is recognised as a capital 'improvement
and added to the original cost of the software. Computer software development costs recognised as
assets are amortized using the straight-line method over a five-year period. .

Property, plant and equipment

Property, plant and equipment are stated at historical cost less accumulated depreciation.

Depreciation is computed on the straight line method at rates considered adequate to write-off the
cost of depreciable assets, less salvage, over their useful lives.

The annual rates used are:


Total shareholders' equity uod IabM~a



Approved by the B ord Dof Mntes


-- -- I I


Buildings
Leasehold improvements









THE TRIBUNE BUSINESS


TUSUDAY, APRIL 26, 2005, PA(UE 76


For defined contribution plans, the company has contributions to publicly or privately administered
pension insurance plans on a mandatory, contractual or voluntary basis. Once the contributions
have been paid, the company has no further payment obligations. The regular contributions
,constitute net periodic costs for the year in which they are due and as such are included in staff
'costs. The Bank's contributions to defined contribution pension plans are charged to the income
statement in the year to which they relate.

Other post retirement obligations

The Bank provides post-retirement healthcaie benefits to its retirees. The entitlement to these
benefits is usually based on the employee remaining in service up to retirement age and the
completion of a minimum service period. The expected costs of these benefits are accrued over the
period of employment, using a methodology similar to that for defined benefit pension plans.
Valuations of these obligations are carried out by independent qualified actuaries.
Acceptances

The Bank's potential liability under acceptances is reported as a liability in the consolidated
balance sheet. The recourse against the customer in the event of a call on any of these commitments
is reported as a corresponding asset of the same amount.

Share capital

Shares issued for cash are accounted for at the issue price less any transaction costs associated with
the issue. Shares issued as consideration for the purchase of assets or a business, are recorded at
the market price on the date of the issue.

Dividends on ordinary shares

Dividends on ordinary shares are recognised in equity in the period in which they are declared.

Interest income and expense

Interest income and expense are recognised in the income statement for all interest bearing
instruments on an accrual basis using the effective yield method based on the actual purchase price
or estimated recoverable amount. Interest income includes coupons earned on fixed income
investment and trading securities and accrued discount and premium on treasur- bills and other
discounted instruments. Interest income on impaired loans is recognised, according to the terms of
the loan contract, to the extent that it is deemed recoverable.

Fee and commission income

Fees and commissions are generally recognised on an accrual basis when the service has been
provided. Loan origination fees for loans, which are probable of being drawn down are deferred
(together with related direct costs) and recognised as an adjustment to the effective yield on the
loan. Commission and fees arising from negotiating, or participating in the negotiation of a
transaction for a third party, such.as the acquisition of loans, shares or other securities or the
purchase or sale of business, are recognised on completion of the underlying transaction. Portfolio
and other management advisory and service fees are recognised based on the applicable service
contracts. Asset management fees related to investment funds are recognised over the period the
service is provided. The same.principle is applied for wealth management, financial planning and
custody services that are continuously provided over an extended period of time.

Foreign exchange income

Foreign exchange income relates to income earned from exchanging foreign currencies and is
recognised on the transaction date.

Segment reporting

A segment is a distinguishable component of the Bank that is engaged in providing products or
services within a particular economic environment, which is subject to risks and rewards that are
different from those of other segments. Segments with a majority of revenue earned from external
customers and whose revenue, result or assets are 10% or more of all the segments are reported
separately.


Cash and due from banks


Cash
Deposits with Central Bank non-interest bearing
Due from other banks

Cash and due from banks
Mandatory reserve deposits with Central Bank
Cash and cash equivalents


22,915 22,443
50,955 54,516
790,185 1,034,436

864,055 1,111,395
(46,062) (39,548)
817,993 1,071,847


The Bank is required to maintain a percentage of deposit liabilities as cash or deposits with The
Central Bank of The Bahamas. TThese funds are not available to finance the. Bank's day-to-day.
operations. At October 3 1,:2004 the reserve requirement amg.unted to $46,062 (2003: $39,548).

The effective yield on cash resources during the year was 1.9% (2003: 1.5%).
4. Trading securities


2004 2003
$ $

273,295 169,746

273,295 169,746


The effective yield on trading securities ranged from 1.1% to 8.9%.


5. Loans and advances


Mortgages
Personal loans
Business loans


Less: provisions for impairment
specific provisions for credit risk
general provisions for inherent risk


2004
S
740,062
270,208
704,354


2003
S
628,315
247,339
660.835


1,714,624 1,536,489


(36,269) (31,477)
(9,348) (7.907)

1,669,007 1,497,105


The average interest rate earned during the year on loans and advances was 7.3% (2003: 7.2%).

Movement in provisions for impairment is as follows:


Balance, October 31, 2002

Doubtful debts expense
Recoveries of bad and doubtful debts
Bad debts written-off

Balance, October 3i, 2003

Doubtful debt expense
Recoveries of bad and doubtful debts
Bad debts written-off
Balance, October 31,2004


Specific credit Inherent risk
risk provision provision
$ $
(22,806) (10,082)


(9,894)
198
1.025


(106)
670
1.611


(31,477) (7,907)

(6,104) (1,805)
(289)
1,601 364
(36,269) (9,348)


.The aggregate amount of non-performing loans amounted to $102,555 as at October 31, 2004
(2003: $113,589).

6. Other assets


Accrued interest receivable
Due from related parties
Other accounts receivable
Prepayments and deferred items
Pensions assets (note 15)


17,164 14,261
4,650 73
16,580 23,827
1,134 778
13,167 14.610

52,695 53.549


7


7. Investment securities


178,850 164,959

178,850 164,959


All debt'securities held by the Bank were issued by Government related Agencies. The effective
interest rates earned during the year on debt securities ranged from 0 2% to 9.5% (2003: 4.6% to
9.0%).

Investment securities have been classified as held-to-maturity based on management's intent and
ability to hold these securities until maturity.


8. Property, plant and equipment


Cost
Balance, beginning of year
Purchases
Disposals

Balance, end of year

Accumulated depreciation
Balance, beginning of year
Depreciation
Disposals

Balance, end of year

Net book values
End of year

Beginning of year

9. Goodwill


Land and
buildings
S


20,822
5,148


Equipment,
furniture
and vehicles
S


22,737
4,459
(154)


25,970 27,042 10,314 63,326


5,165 15,708 4,198 25,071
463 1,936 534 2,933
; (12) (12)

5,628 17,632 4,732 27,992


20,342 9,410 5,582 35,334

15,657 7,029 6,113 28,799


Leasehold
Improvements
S


Total
2004
S


10,311 53,870
3 9,610
I(14


Gross amount of goodwill at beginning of year
Adjustment made during the year

Gross amount of goodwill at end of year

Goodwill accumulated amortisation at beginning of year
Amortisation during the year
Adjustment made during the year

Goodwill accumulated amortisation at end of year

Goodwill balance at end of year

10. Deposits


Individuals
Business and
Governments
Banks


Payable on Payable Payable at
demand after a fixed
notice date

138,211 158,647 686,707


660,436 12,408
11.927 -


198,217 196,966
(10,470) 1,251

187,747 198,217

10,470 615
9,855
(10,470) -

S 10,470

187,747 187,747


983,565 927,325


999,616 1,672,460 1,644,677
39.669 51596 98 O895


810,574 171,055 1,725,992 2,707,621 2,670,897


Accounts payable and accruals,,
Accrued interest b,;.
Restructuring provision (note 14)
Other post retirement medical benefits (note 15)
Other


2,149 12,957
14,964 12,068
2,011 6,883
9,064 7,998
82 1,757

28,270 41,663


12. Share capital


Number of
shares


Share capital at October 31, 2002
Shares issued during the year in rights offering

Share capital at October 31, 2003

Share capital at October 31, 2004 .....


119,463,600 472,828
752,604 4, 402

120,216,204 '-"477;230-

"' '120,26,204" *' 477,230


The company is authorised to issue 150 million ordinary shares with a par value of $0.10 each and
50 million preference shares with a par value of $0.10 per share.

13. Capital and reserves


Share capital (note 12)
Reverse acquisition reserve
Statutory reserve Turks and Caicos Islands

Total capital and reserves at end of year


477,230 477,230
(63,566) (63,566)
700

414,364 413,664


At October 11, 2002, the equity of the Bank comprised the equity of Barclays Bahamas together
with the fair value of the consideration given to acquire 'CIBC Bahamas. However, legally the
share capital of the Bank comprised the issued share capital of CIBC Bahamas plus the shares
issued to effect the combination,;recorded at fair value. The reverse acquisition reserve is therefore
the difference between the legally required share capital together with the retained earnings of
Barclays Bahamas, and the equity of the Bank presented in accordance with IFRS.

In accordance with the Banking (Amendment) Ordinance 2002 of the Turks and Caicos Islands, the
Bank is required to maintain a Statutory Reserve Fund of not less than the amount of its assigned
capital. Where it is less than thetassigned capital, the Bank is required to annually transfer 25% of
its net profit earned from its TCI operations to this fund. During the year the Bank assigned $24
million of capital to the TCI operations and transferred $700 from retained earnings to the statutory
reserve fund.

14. Restructuring provision


Balance at beginning of the year

Charged to income statement during the year
Net asset adjustment on acquisition
Utilised during the year

Balance at end of year


6,883


2003
S
10,209


(1,112)
996
(4,872) (3,210)

2,011 6,883


As a result of the merger in 2002, restructuring costs were estimated and recognised as a
restructuring provision in the prior periods. During fiscal year 2004 only $4,872 of this provision
was utilised. The remaining provision represents estimated third party costs and is expected to be
fully utilised during fiscal yea-2005.







15. Employee post retirement obligations

The Bank has insured and group health plans and several pension schemes, which arc non-
contributory, allow additional voluntary contributions and are final salary defined benefit plans.
The insured health plans allow for retirees to remain in the plans until death. The plans are valued
by independent actuaries every three years using the projected unit credit method.

The amounts recognised in the consolidated balance sheet are determined as follows:


Defined Benefit Pension
Plans
2004 20
$


Fair value of plan assets
Present value .of funded
obligations

Unrecognized actuarial gain
Net asset/(liability) in the
balance sheet


44,240


Post Retirement Medical
Benefits
2004 2003
$ $


76,390


(48,52.... (55,652) (15,507)
(4,272) 20,738 (15,507)
17,439 (,128) 6,443


13.167


14.610


(7,99'7)
(7,997)
(I)


(9,064). (7,998)


Unrecognised actuarial gains and losses result from differences between actuarial assumptions and
the actual performance of the plan in the year under review. Actuarial ains and losses are
recognized only if they exceed 10% of the present value of the defined benefit obligation ;lnd 10%
of the fair value of any plan asset at the end of the previous reporting period.

The movement in the net asset (liability) recognised in the consolidated balance sheet is as follows:


The effective rate of interest on deposits was 1.9% during the year (2003: 1.9%).

11. Other liabilities


Other debt securities


Originated debt

Issues or guaranteed by Ciovemment


I '- ,









SIUL..- .L.>, I .LU- II"~tI, r-tnrllL L0, LUUO


I H: I HIbUNL bUUINES-4


Defined Benefit Pension Post Retirement Medical
Plans Benefits
2004 2003 2004 2003
S S S S


Balance at the beginning of the
year

Charge for the year
Contributions paid


Balance at the end of the year


14,610 14,823


(1,763)
320


(883)
670


(7,998) (7,148)


(1,416)
350


13,167 14,610 (9,064) (7,998)


The principal actuarial assumptions used were:


2004


Defined benefit pension (Mans
Discount rate 7.0% 6.4%
Expected return on plan assets 8.5% 7.9%
Future salary increases 5.5% 4.9%
Future pension increases 1.8% 2.9%

Post retirement medical benefits
Discount rate 6.7% 6.4%
Premium escalation rate 5.7% 5.4%
Existing retiree age 64 67

The last actuarial valuation of the plan, which governs employees of the former CIBC bank, was
conducted as at November 1, 2001 and revealed a fund surplus of $4 million.

The employees of the former Barclays Bank previously participated in the defined benefit scheme
of the Barclays Bank (1951) pension plan ("the Barclays plan")., In January 2004, following the
completion of the combination of the various plans, the active members of the Barclays plan
elected to transfer into a defined benefit pension scheme in the new entity ("the FirstCaribbean
plan").

During the year Barclays Bank PLC transferred to the FirstCaribbean plan assets sufficient to fully
fund a ten year contribution holiday in respect of the employees of the former Barclays Bank. The
fair value of the plan assets included in this consolidated balance sheet includes the amount that
Barclays Bank PLC transferred to the FirstCaribbean plan which was determined on the basis of an
actuarial valuation.
The present value of funded obligations has been calculated on the basis that non-active members
remain in the Barclays plan, which will continue to fund all pension payments for these members.
The pension obligation to non-active members was not transferred into FirstCaribbean International
Bank (Bahamas) Limited, so this obligation is not reflected in this consolidated balance sheet.

Related party balances

Deposits maintained with other CIBC and Barclays entities amounted to $699 million (2003:
$1,028 million).

17. Contingent liabilities and commitments

The Bank conducts business involving guarantees, performance bonds and indemnities, which are
not reflected in the consolidated balance sheet.

At the balance sheet date the following contingent liabilities exist:


Contingent liability on letters of credit
Loan commitments
Contingent liability on guarantees and indemnities


9,897 35,179
254,717 214,243
7,757 11,722


272,371 261,144

The Bank is the subject of legal actions arising in the normal course of business. Management
considers that the liability, if any, of these actions would not be material. No significant provision
has been made as professional advice indicates that it is unlikely that any significant loss will arise.

18. Future rental commitments under operating leases

The Bank held leases on buildings for extended periods. The future rental commitments under
these leases were as follows:


Not later than 1 year
Later than 1 year and less than 5 years
Later than 5 years


S 2004 2003
. ..
2,706 2,800
8,504 10,240
2,640 1,612


13,850 14,652

19. Segmented Information

The Bank operates in one industry, the financial services industry. Transactions between business
segments are on normal business terms and conditions.

In the normal course of business various credit related arrangements are entered into to meet the
needs of customers and earn income. These financial instruments are subject to the Bank's
standard credit policies and procedures. Segment assets and liabilities comprise operating assets
and liabilities, being the majority of the consolidated balance sheet but excluding such items as
other assets and other liabilities. The geographic distribution of operating assets, operating
liabilities and capital expenditures at October 31 was as follows:


2004
Operating Operating Capital
Assets Liabilities Expenditure


Turks & Caicos 174,841 340,953
Bahamas 2,810,366 2,366,668


2003


Operating Operating
Assets- Liabilities


6,955 276,756 287,996
28,379 2,666,449 2,382,901


Capual
Expenditure


5,275
23.524


2,985,207 2,707,621 35,334 2,943,205 2,670,897 28,799

Off balance sheet financial instruments:


2004
S


Turks & Caicos
Bahamas


69,794 16,942
202,577 244,202


272,371 261,144


20. Use of financial instruments

a) Strategy in using financial instruments

By its nature the Bank's activities are principally related to the use of financial instruments.
The Bank accepts deposits from customers at both fixed and floating rates and for various
periods and seeks to earn above average interest margins by investing these funds in. high.
quality assets. The Bank seeks to increase these margins by consolidating shoit-term funds
and lending for longer periods at higher rates whilst maintaining sufficient liquidity to meet all
claims that might fall due.

The Bank also seeks to raise its interest margins by obtaining above average margins, net of
provisions, through lending to commercial and retail borrowers with a range of credit
standing. -Such exposures involve not just on-balance sheet loans and advances but the bank
also enters into guarantees and other commitments such as letters of credit and performance
and other bonds.

b) Credit risk

The Bank takes on exposure to credit risk which is the risk that a counterparty will be unable :
to pay amounts in full when due. The Bank structures the levels of credit risk it undertakes by
placing limits on the amount of risk accepted in relation to one borrower, or groups of
borrowers, and to geographical and industry segments. Such risks are monitored on a
revolving basis and subject to an annual or more frequent review.

The exposure to any one borrower including banks and brokers is further restricted by sub-.
limits covering on and off-balance sheet exposures and daily delivery risk limits in relation to
trading items such as forward foreign exchange contracts. Actual exposures against limits are
monitored daily.

Exposure to credit risk is -managed through regular analysis of the ability of borrowers and
potential borrowers to meet interest and capital repayment obligations and by changing these
lending limits where appropriate. Exposure to credit risk is also managed in part by obtaining
collateral and corporate and personal guarantees, but a significant portion is personal lending
where no such facilities can be obtained.

Derivatives

The Bank maintains strict control limits on net open derivative positions, i.e. the difference
between purchase and sale contracts, by both amount and term. At any one time the amount
subject to credit risk is limited to the current fair value of instruments that are favorable to the
Bank (i.e. assets), which in relation to derivatives is only a small fraction of the contract or
notional values used to express the volume of instruments outstanding. This credit risk
exposure is managed as part of the overall lending limits with customers,, together with
potential exposures from market movements. Collateral or other security is not .usually
obtained for credit risk exposures on these instruments, except where the Bank rcquiires
margin deposits from counterparties.


Master netting arrangements

The Bank further restricts its exposure to credit losses by entering into master netting
arrangements with counterparties with which it undertakes a significant volume of
transactions. Master netting arrangements do not generally result in an offset of balance sheet
assets and liabilities as transactions are usually settled on a gross basis. However, the credit
risk associated with favorable contracts is reduced by a master netting arrangement to the
extent that if an event of default occurs, all amounts with the counterparty are terminated and
settled on a net basis. The Bank's overall exposure to credit risk on derivative instruments
subject to master netting arrangements can change substantially within a short period since it
is affected by each transaction subject to the arrangement.
Credit related commitments

The primary purpose of these instruments is to ensure that funds are available to a customer as
required. Guarantees and standby letters of credit, which represent irrevocable assurances that
the Bank will make payments in the event that a customer cannot meet its obligations to third
parties, carry the same credit risk as loans. Documentary and commercial letters of credit,
which are written undertakings by the Bank on behalf of a customer authorising a third party
to draw drafts on the Bank up to a stipulated amount under specific terms and conditions, are
collateralised by the underlying shipments of goods to which they relate and therefore carry
less risk than a direct borrowing.

Commitments to extend credit represent unused portions of authorisations to extend credit in
the form of loans, guarantees or letters of credit. With respect to credit risk on commitments
to extend credit, the Bank is potentially exposed to loss in an amount equal to the total unused
commitments. However, the likely amount of loss is less than the total unused commitments
since most commitments to extend credit are contingent upon customers maintaining specific
credit standards. The Bank monitors the term of maturity of credit commitments because
longer-term commitments generally have a greater degree of credit risk than shorter-term
commitments.

c) Currency risk

The Bank takes on exposure to effects of fluctuations in the prevailing foreign currency
exchange rates on its financial position and cash flows. The Board of Directors sets limits on
the level of exposure by currency and in total for both overnight and intra-day positions,
which are monitored daily. The table below summarises the Bank's exposure to foreign
currency exchange rate risk at October 31. The off-balance sheet gap represents the difference
between the notional amounts of foreign currency derivative financial instruments, which are
principally used to reduce the Bank's exposure to currency movements, and their fair values.

Concentrations of assets, liabilities and off balance sheet items:


BAHS US$


As at October 31, 2004

Assets
Cash resources
Trading securities
Loans and advances
Investments securities
Other assets
Goodwill
Property, plant and equipment

Total assets

Liabilities
Deposits
Other'liabilities

Total liabilities

Net on balance sheet position

Off balance sheet net notional
position

* Credit commitments

As at October 31, 2003

Total assets
. Total liabilities

Net on balance sheet position

Off balance sheet net notional
position

Credit commitments


133,196

1,148,004
146,534
43,422
187,747
24.912


511,133
273,295
513,261
32,316
9,273

9,682


Other Total


219,726

7,742


740


864,055
273,295
1,669,007
178,850
52,695
187,747
35.334


1,683,815 1,348,960 228,208 3,260,983


1,235,608 1,246,172 225,841 2,707,621
15,013 12,466 791 28,270

1,250,621 1,258,638 226,632 2,735,891

433,194 90,322 1,576 525,092

8,428 8,872 354 17,654


93,771 160,946 254,717



1,472,850 1,533,193 207,257 3,213,300
1,073,295 1,450,356 188,909 2,712,560

399,555 82,837 18,348 500,740

10,736 36,150 15 46,901


118,927 95,316 214,243


d) Interest rate risk

Interest sensitivity of assets, liabilities and off balance sheet items repricing analysis

The Bank takes on exposure to the effects of fluctuations in the prevailing levels of market
interest rates on its financial position and cash flows. Interest margins may increase as a result
of such changes but may reduce or create losses in the event that unexpected movements arise.
The Board of Directors sets limits on the level of mismatch of interest rate repricing that may
be undertaken, which is monitored daily.

Expected repricing and maturity dates do not differ significantly from the contract dates,
except for the maturity of deposits up to 1 month, which represent balances on current
accounts considered by the Bank as a relatively stable core source of funding of its operations.

e) Liquidity risk

The Bank is exposed to daily calls on its available cash resources from overnight deposits,
current accounts, maturing deposits, loan draw downs, guarantees and from margin and other
calls on cash settled derivatives. The Bank does not maintain cash resources to meet all of
.these needs as experience shows that a minimum level of reinvestment of maturing funds can
be predicted with a high level of certainty. The Board of Directors sets limits on the minimum
proportion of maturing funds available to meet such calls and on the minimum level of
interbank and other borrowing facilities that should be in place to cover withdrawals at
unexpected levels of demand.

The table below analyses assets and liabilities of the Bank into relevant maturity groupings
based on the remaining period at balance sheet date to the contractual maturity date.

Maturities of assets and liabilities


As at October 31, 2004


1-3 3-12 1-5 Over 5
months months years years
S S S S


Assets


Cash and due from banks
Trading securities
Loans and advances
Investments securities
Other assets
Goodwill
Property, plant and
equipment

Total assets



Liabilities
Deposits
Other liabilities

Total liabilities

Net on balance sheet
position

Off balance sheet net
notional position

Credit commitments

As at October 31, 2003

Total assets
Total liabilities

Net on balance sheet
position

Off balance sheet net
notional position

Credit commitments


691,21,6
273,295
255,808
15,573
39,447
2,463


172,839

186,097
6.471

7,389


518,718
53,935

39,408


708.384
102.871
13,248
138.487


864.055
273.295
1.669.007
178,850
52,695
187.747


35.334 35.334

1,277,802 372.796 612.061 998,324 3.260.983
1-3 3-12 1-5 Over 5
months months years years Total
S S S S S

1,644,616 3 5.712 716.638 2.707.621
3.856 221 28.270

1,648,472 3 5.712 716.859 2.735.891


(370,670) 606.349 281.465 525.092


17.654 17.054

19,571 2 254.717



1,257,421 352.045 42.473 1.161.361 3.213.300
2,340,724 363.284 5.554 2.998 2.712.500


(1,083,303) (11.23)) 436.919 1.158.303 500.740


46,901 46.01

15,580 198.663 214.243


The matching and controlled mismatching of the maturities and interest rates of assets and
liabilities is fundamental to the management of the Bank. It is unusual for banks ever to be
completely matched since business transacted is ollen of uncertain term and different types.
An unmatched position potentially enhances profitability, but also increases the risk of losses.
The maturities of assets and liabilities and the ability to replace, at an acceptable cost. interest-
bearing liabilties as they mature, are important factors in assessing the liquidity of the Hank
and its exposure to changes in interest rates and exchange rates.

Liquidity requirements to support calls under guarantees andl standby letters of credit are
considerably less than the amount of the coniiniteni because the lank does not generally
expect thirthird party to draw lurds tinder the agreement. The total outstanding contractual
amount of commitments to extend credit ties not necessarily represent ti'iire cash
requirements, since many of these commnitments will expire or terminate without being
funded.


j ,.'<.,


-


- i







TRIBUNE SPORTS


TUESDAY, APRIL 26, 2005, PAGE 9B


f) Fair values of financial assets and liabilities
Due from other banks
Due from other banks includes inter-bank placements and items in the course of collection.
The fair value of floating rate placements and overnight deposits is their carrying amount.
The estimated fair value of fixed interest bearing deposits is based on discounted cash flows
using prevailing money market interest rates for debts with similar credit risk and remaining
maturity.
Loans and advances to customers
Loans and advances are net of specific and other provisions for impairment. The estimated fair
value of loans and advances represents the discounted amount of estimated future cash flows
expected to be received. Expected cash flows are discounted at current market rates to
determine fair value.
Investment securities
Investment securities include only interest bearing assets held-to-maturity, as assets available-
for-sale are now measured at fair value. Fair value for held-to-maturity assets are based on
market prices or broker/dealer price quotations. Where this information is not available, fair
value has been estimated using quoted prices f.,r securities with similar credit, maturity and
yield characteristics, or in some cases by reference to the net tangible asset backing of the
investee.
Deposits and borrowings
The estimated fair value of deposits with no stated maturity, which includes non-interest
bearing deposits, is the amount repayable on demand.
The estimated fair value of fixed interest bearing deposits and other borrowings without
quoted market price is based on discounted cash flows using interest rates for new debts with
similar remaining maturity.
21. Principal subsidiary undertakings


Name


FirstCaribbean International Finance Corporation (Bahamas)
Limited
FirstCaribbean International (Bahamas) Nominees Company
Limited
FirstCaribbean International Land Holdings (TCI) Limited


Country of incorporation
Bahamas
Bahamas
Turks & Caicos Islands


All subsidiaries are wholly owned.
22. Dividends
At the Board of Directors meeting held December 17, 2004, a final dividend of $0.18 per share
amounting to $21,638,917 (2003: $0.16 per share, amounting to $19,234,593) in respect of 2004
net income was proposed and declared. The consolidated balance sheet for the year ended October
31, 2004 do not reflect this resolution, which will be accounted for in the shareholders' equity as an
appropriation of retained earnings in the year ending October 31, 2005.
23. Subsequent event
Subsequent to October 31, 2004, the Bank entered into a sales agreement for the sale of its office
building located on Bay Street, Nassau, Bahamas and a leaseback of a portion of the building from
which the branch will continue to operate. This transaction is expected to be completed by January
2005.
24. Prior period adjustment
Other assets balance as reported at October 31, 2003 and 2002 included a receivable amount of
$1.9 million representing the overpayment of remittances to Barclays PLC for periods prior to the
combination of CIBC Bahamas and Barclays Bahamas. At the time of the combination, the
overpayment was accounted for in the net asset valuation and therefore the other assets balances
were incorrectly stated. In accordance with IFRS, the balances for October 31, 2003 are restated
and opening retained earnings for 2003 was reduced accordingly.
25. Reclassification
Certain balances on the consolidated balance sheet, including goodwill and other assets, as well as
certain notes to the consolidated balance sheet have been reclassified to conform to the presentation
in the current year.



PiCWATERHOUS COPERS U
PricewaterhouseCoopers
Prvidence House '"':'"" 'i)
East Hill Street
P.O.Box N-3910
Nassau, The Bahamas
Telephone (242) 302-5300
Facsimile (242) 302-5350


Independent Auditors' Report


(


South Africa

"Copyrighted Material ,


V Syndicated Content )1Ut

Available from Commercial News Providers"



of West Indies


To the Shareholders of
FirstCaribbean International Bank (Bahamas) Limited

We have audited the accompanying consolidated balance sheet of FirstCaribbean International Bank
(Bahamas) Limited (the "Bank") as of October 31, 2004. This balance sheet is the responsibility of the
Bank's management. Our responsibility is to express an opinion on this balance sheet based on our
audit.
We conducted our audit in accordance with International Standards on Auditing. Those Standards
require that we plan and perform the audit to obtain reasonable assurance about whether the balance
sheet is free of material misstatement. An audit includes examining, on a test basis, evidence supporting
the amounts and disclosures in the balance sheet. An audit also includes assessing the accounting
principles used and significant estimates made by management, as well as evaluating the overall balance
sheet presentation. We believe that our audit provides a reasonable basis for our opinion.
In our opinion, the accompanying consolidated balance sheet presents fairly, in all material respects, the
financial position of the Bank as of October 31, 2004 in accordance with International Financial
Reporting Standards.

PricewaterhouseCoopers

Chartered Accountants
December 17, 2004


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TUESDAY, APRIL 26, 2005, PAGE lOB


TUESDAY EVENING APRIL 26, 2005

7:30 8:00 8:30 9:00 9:30 10:00 10:30

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COURT Cops (CC) Forensic Files Forensic Files Forensic Files Forensic Files Masterminds Masterminds
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That's So Raven ** GOING TO THE MAT (2004, Drama) Andrew Lawrence, Khleo Sister, Sister Even Stevens
DISN "Opportunity Thomas, BillyAaron Brown. A blind teenager becomes a high-school Rayreveals a Louisjoins the
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ESPNI Spanish Primera Liga Soccer Teams to Be An- UEFA Champions League Soccer Semifinal, Leg 1 AC Milan vs. PSV.
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(:00) * FATHER OF THE BRIDE (1991, Comedy) * BEND IT LIKE BECKHAM (2002, Comedy) Parminder Nagra,
H BO-S Steve Martin. A doting dad deals with his daughter's Keira Knightley, Jonathan Rhys Meyers. A teen hides her soccer-playing
impending wedding. 0 'PG' (CC) from her strict parents. ( 'PG-13' (CC)
(6:30)*** 1(:15) ** 50 FIRST DATES (2004, Romance-Comedy) Adam Sandier, *** ETERNAL SUNSHINE OF
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NESS (1983)'R' term memory loss. (I 'PG-13' (CC) Carrey, Kate Winslet. l 'R' (CC)
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(5:45) ** DIE **** THE HOLE (2001, Suspense) Thora Birch, (:45) SHO Me *x REEFER MADNESS (2005,
SHOW ANOTHER DAY Desmond Harrington. iTV. Four students become First "Sahara" Musical Comedy) Kristen Bell, Neve
(2002) 'PG-13' trapped in an underground bunker. Cl 'R' (CC) (iTV) Campbell. iTV. h 'NR'
*6 :05) TANK * HALLOWEEN H20:20 YEARS LATER (1998, *** THE HUNTED (2003, Suspense) Tommy Lee
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A WO F-UR


Daybeds


Tel1: 9 6 6 3

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Cerrified Member


Time: Second Floor of
Doors open 11 pm


Admission:
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THE TRIBUNE BUSINESS







TUESDAY, APRIL 26, 2005, PAGE 11B


Bahamians hit





the track in US


FROM page one

Smith, a tight end
graduating from Stan-
ford College, started
playing football late in
high school, hanging up
the other sports.
Before moving to foot-
ball, he played basket-
ball, a sport his father
thought he would contin-
ue on with; and track and
field.
Attending Mullen
High School, Smith was a
SuperPrep first-team
All-American, PrepStar
All-Midlands, all-state
and All-Centennial
League during his junior
year.
When he moved to
football he caught 12
passes for 207 yards and
two touchdowns as a
junior and snatched 35
passes for 357 yards and
four scores as a senior.
He played a big role in
the school's fifth champi-
onship title.
Smith said: "I love
playing football and
being drafted in such an
early round feels great. It
is such a long drawn-out
process, wondering
where you're going to
end up, but when your
name is called you could
only breath a sign of
relief.
"I don't see there
being a problem, me
making Tampa Bay my
home, it is a great foot-
ball organisation. I am
closer to home, the
Bahamas, so it is an
added plus knowing that
I am that close and
Bahamians are able to
fly down to watch the
game."
Smith whovisited the
Lions said-his decision
and draft selection is
pleasing, one he will not
trade.

Relieved
"I was more relieved
,than excited when my
;name was called," Smith
:said. "It was such a long
day on Saturday and I
;found myself moving all
over the place, just pac-
'ing. But it was a relief to
finally be named."
For Smith, staying in
:college was always a key
:point on his agenda, he
iwas always stuck on
:receiving a degree, look-
ing out for rainy days.
"I always wanted to
:finish off college, leaving
:college was never an
:option the degree is
-more important," said
Smith.
"A degree will never
!be taken away, I will
always have that. Com-
ing back for another year
Shas helped me to mature
i and give me a better rat-
ing in the NFL."
Smith is highly rated
because of his size, big
frame and ability to
: move.
Although he red-shirt-
ed his first year in col-
lege, he was still able to
earn his first varsity let-
ter as a reserve tight end.
That year he was
inserted into the starting
line-up to compete in the
final 10 games. Smith
ended up with 380 yards
and two touchdowns,
ranking second on the
team with 30 catches
(12.7 avg.).
Recognition was given
to Smith in 2003 after
excelling both on the
field and in the class-


room. At this time his
statistics grew, catching
24 passes for 185 yards
(7.7 avg.) and three
scores. Last year he was
ranked second in the
country among tight ends
with 52 receptions for
706 yards (13.6 avg.) and
three touchdowns. He
was the runner-up for
the Mackey Award.,-giv-
en annually to the
nation's top tight end.
He will travel to Tam-
pa Bay for training camp
next two weeks.


* By KELSIE JOHNSON
Junior Sports Reporter
BAHAMIANS blazed the
track this weekend, taking
part in several meets around
the United States.
Competing in their first cen-
tury dash were Olympians
Sevatheda Fynes and Shan-
dria Brown.
Both competed in the
Kansas Relays meet with
Brown edging out Fynes in a
time of 11.58 seconds for a
fifth place finish Fynes ran
11.65 seconds to finish up
sixth.
In the 200m Fynes ran 23.72
seconds for a fourth place fin-
ish. The winning time was
23.02 seconds done by Rach-
lelle Boone-Smith.
In. the Central Intercolle-,
giate Athletic Association


(CIAA) strong woman Doris
Thompson dominated the
throwing circle.
Thompson pitched the shot
putt 13.34 meters to win the
event for her college, St
Augustine's Falcons.

Sweep
It was a clean sweep in the
event for the Falcons with
Thompson's teammates Daysy
Cardoba coming in second
with a throw of 11.73m and
Ana Lorenzo third with
11.25m.
In the javelin, Thompson
was able to capture a silver
medal behind Lorenzo.
Thompson heaved the stick
30.76m, while Lorenzo
secured the gold with a throw
of 37.86m.
Olympian Nathanial McK-


inney also took part in the Fal-
cons feat, competing in the
400m.
McKinney won the event in
47.55 seconds, after qualify-
ing for the finals with 48.02
seconds. The 48.02 seconds
was the fastest time heading
into the finals.
Finishing up second was
Andre Thompson with 47.85
and Dwayne Greenidge with
48.73 seconds.
Santisha Martin also saw
action for the Falcons com-
peting in the 800m. Although
Martin advanced through to
the finals with the second
fastest time, 2:28.48 seconds,
she wasn't able to improve in
the final standing.
Martin was able to drop a
few seconds of her time but it
slated her just out of the
medal haul, in fourth.


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Knights put the Cobras to the sword

* By KELSIE JOHNSON "Right now we have seven teams in victory with the Pacers. Coakley stated that the difference in
Junior Sports Reporter the league with at least three more com- Krishanda Lewis, winning pitcher, got timing will not hinder their programme.


AFTER months of trying to formu-
late a junior high school league, the
New Providence Softball Association
(NPSA) final got things started on Sat-
urday at the Churchill Tener Knowles
stadium.
With six teams playing on the opening
day and three more set to take part,
president Steven Coakley is certain that
the league will catch on in both high
school leagues and later on in the Fam-
ily Islands.
The NPSA is trying to revive their
youth programme, after it stopped sev-
eral years ago.
With several programmes scheduled,
Coakley says that the association's next
move is to start a summer programme.
He said: "The opening ceremony and
turn out was great. All the games were
entertaining, and we are expecting the
play level to improve.


ing on stream. So overall we are really
pleased with the start."
The action started off with the CR
Walker Knights taking on the CC
Sweeting Cobras.
Knights defeated the Cobras 12-5,
while the Cobras placed a pounding on
the RM Bailey Pacers 18-9.

Winning
The winning pitcher in the game
between the Knights and the Cobras
was Thela Johnson, who struck out
three batters and walked one. John-
son's bat came to life on the offensive
end, scoring three runs, one of which
was a home run. Teammate Ketra
Flower also had a field day at the plafe.
Out' of her two'fippeaiinces she was
able to score a run, with one RB'I.
Although the Cobras had a tough
time with the Knights they cruised to


off to a great start, striking out the first
four batters she faced.
On the field her teammates Krystal
Delancey, Shervette Taylor and Ebony
Delancey were able to take her out of
the jam, cleaning up on the errors made
by Lewis.
However, Taylor became the lady
with the hot bat for the Cobras, scoring
three runs, two RBI's.
Taylor's home run, which came in the
third, became the Cobras' biggest
inning. The home run sparked a 9-0
inning.
Fiesta Flyers also improved their win-
loss record by trouncing the A&B
Starters 12-9. The Flyers opened up
with a big inning, scoring 10 runs, butf
fluttered in the remaining innings.
The NPSA is expecting the league to
run through the summer months,
despite the high school's having a dif-
ference in scheduling.


but help build it.
"We don't think the timing is wrong,"
he added. "The association is aware of
the sport's scheduling in the high school
system, but that will not hinder the
progress.

Interest
"We are hoping teams from both
leagues join in, and many of them have
expressed interest, so this is a good
sign.
"The programme can only strengthen
the school teams, because go many of
the coaches were complaining about
the. length in their season and the lack of
games. So bringing the league
on-stream will assist in their develop-
ment."
The association will use this high
school as guide to develop other leagues
in the Family Islands.


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,TRIBUNE SPORTS











TUESDAY, APRIL 26, 2005



SECTION






Fax: (242) 328-2398
E-Mail: sports@100jamz.com













0 By BRENT STUBBS
Senior Sports Reporter

FOR the second' straight year,
Mark knowles and Daniel Nestor
emerged as champions of the US
Clay Court Championships men's
doubles title in Houston, Texas
on Sunday.
The top seeded team repeated
as champions with a 6-3, 6-4 win
over Martin Garcia of Argentina
and Luis Horna from Peru. It was
just the second victory for the
year for Knowles and Nestor. But
Knowles said this was obviously
sweeter than the first at the Pacif-
ic Life Open on the hard courts in
Indian Wells, California.
"It feels good. It's always good
to win a title," said Knowles after
the victory in an interview with
The Tribune. "Everyone is kind
of special. Each has its own spe-
cial feeling. But to win this one
after we've been struggling on the
clay court is good for our morale
going into the rest of the season."
Knowles said they just simply
got off to a quick start and were
able to stay ahead of their oppo-.
nents. Theygotservice-br'aiks'in
the-foufthifgame of the first set
and again in the fifth game of the
second set to seal the deal.
They eventually clinched their
30th title as a doubles team and
they also improved their win-loss
record in an ATP final to 30-20
and pushed their match record to
351-131. For their efforts, they
shared a cash purse of $16,350.
"We played well the entire
week," said Knowles, as he
reflected on their triumph.

Support
Thanks to the tremendous sup-
port they received from his wife's
family, who live in Texas,
Knowles said they were able to
produce one of their better per-
formances on the red clay court -
a difficult surface.
"We played good. We had a
solid team in the final. They gave
us a lot of problems because of
their different style of play,"
Knowles admitted. "But we hung
in there and we played the way
we're capable of playing and we
came out on top."
They advanced to the final with
a 6-3, 6-1 decision over the team
of Ashley Fisher of Australia and
Chris Haggard of the Republic
of South Africa in the semifinal
on Saturday. Their quarter-final
win was 6-3, 6-2 over Frenchman
Sebastian Grosjean and Russian
Dmitry Tursunov and their sec-
ond round- victory was 4-6, 6-3,
6-2 over Spain's Alex Calatrava
and Ricardo Mello of Brazil...
They received a byifin'tie first
round'.
"We had a great week," Nestor
insisted. "We played really solid.
We're feeling pretty good as we
continue the clay season."
Before they play their next
tournament, the duo will take a
week off.
While Nestor made his way
back to Toronto, Canada for a
week's break, Knowles and his
wife, Dawn, headed to Califor-
nia where they were going to cel-
ebrate over a quiet dinner.
The duo will be back in action
at the Telecom Italia Masters
Roma 2005 in Rome, Italy, start-
ing on May 2. After that, they will
compete in the Masters Series
Hamburg in Hamburg, Germany,
starting on May 9 before they pre-
pare for the second Grand Slam
of the year at the French Open at
Roland Garros in Paris, begin-
ning on May 23.
When they get back on the .
court, they will playing as the
No.3 ranked .teamflh"ffli"ATP
DoubTeiRace. They currently
have 272 points on the leader-
board that is headed by American
twin brothers Mike and bob
Bryan who have accumulated
327. Wayne Black and Kevin


Ullyett from Zimbabwe are in
second place with 326.
Knowles and Nestor, however,
have dropped from No.1 and 2
to No.2 and 3 respectively on the
individual doubles race with 4670
points apiece from a total of 23
tournaments played. Jonas Bjork-
man of Sweden is now out
front with 4690 frorih 20 tourna-
ments.
"We're not too concerned
about the rankings," said
Knowles, who along with Nestor,
finished as the top ranked team
last year. "If we continue to win
the tournaments, the ranking will
come. We just have to go out
there and perform."


MIAMI HERALD SPORTS ... ,1


...............
. . . . . .
........................... . . . . . .


It .I









B A H A MIA N


TUESDAY, APRIL 26, 2005


Geraldine rises to the challenge





in her male-dominated trade


* By PETURA BURROWS
Tribune Feature Writer "A
GENDER equality in the som
workplace, especially in male-
dominated fields, is still a hot- bad
ly-debated subject. However,
those who still think a woman need
cannot do what is considered don(
to be a man's job have proba-
bly not looked closely enough. was
Women in traditionally
male-dominated fields, like are j
plumbing and electrical work
for example, face a difficult salo
hurdle. On one hand, if they deci
succeed, co-workers, both
male and female, may unfair-
ly see them as unsociable and
Difficult towork with. .---.
While women who excel in .
careers that are stereotypical- ng in t
ly female, such as secretaries admits t
and educators, do not often her first
meet up with these challenges.
So, many women find that
achieving success is alright for
a woman, if it's an area that is Cosm
not off-limits to them. Geraldb i
Violating what was seen as but she
the norm for women, Geral- mind af
dine Smith decided to pursue field is a
a career as a plumber when inthi, s c
she left high school six years A' yo
ago. Though she enjoys work- something
back on.


young lady would need
Lething really solid to fall
k on. And technically, you
d a lot of plumbing to be
e around the house. So, I
thinking, a lot of people
just starting with the hair
ns, so I kind of made the
sion to go into plumbing."


hat trade now, she
hat plumbing was not
choice.

Field
aotolgy was what
Ie wished to pursue,
soon changed her
Eer realising that this
ready well-populated
country ...
ung lady would need
ng really solid to fall
And technically, you


Geraldine Smith
need a lot of plumbing to be
done around the house. So, I
was thinking, a lot of people
are just starting with the hair
salons, so I kind of made the
decision to go into plumbing."
After some encouragement
from her mother, who sug-
gested that she study plumb-
ing, Geraldine took up the
challenge. Soon after leaving
A F Adderley High School in
1999, she enrolled ina course
at The Bahamas Technical


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Available from Commercial News Providers"


m n -- -


and Vocational Institute
(BTVI). And after a year,
was ready to go out into the
field.
Recalling her time at
BTVI, where she was the only
female in the course at the
time, Ms Smith says there
were numerous challenges
when it came to tolerating the
attitudes of some of her male
colleagues, who thought that
she couldn't "hack" it as a
plumber.
"I remember one time I
had to do a roughing (laying
pipes for a new building) in
class. Some of the guys were
thinking like it's too hard for
me.
"But I was thinking, if you
can do it, I can do it, too. And
I can do it even better," she
tells Tribune Woman.
But Ms Smith says it was
the sometimes harsh teaching
style of her lecturer that
helped her to become "thick-
skinned" in the end.
Recalling her days at
BTVI, she told Tribune
Woman: "My teacher, Mr
Randy Raymond, he was so
persistent. He always had me
doing things in the class. He
was always encouraging me.
Sometimes, he would row and
I would get mad. Then he
would say, 'you can't be mad
because when you go out to
get a job, you will have to go
through worse situations than
this.'"
"He said: 'Geraldine, you
are the only girl in the class,
and imagine when you go into
another job. You might be the
only girl there. So, you have
to get tough'," she added.

Criticism
And true enough, after she
left BTVI and went into the
workforce, the criticism would
not end. According to Geral-
dine, many persons in the
field were of the opinion that
women are "inadequate" and
cannot do the job. But she
believes that women have the
advantage, since they are able
to "visualise" things more
clearly than men, and are
always looking for the "quick-
er" way to get the job done.
Men, on the other hand, only
go through the motions, she
believes.
Said Ms Smith: "We
(women) are always looking
for the faster way and the
shorter time period, so we use
our skills to get the job done.
We don't like to hang around.
Normally, the guys will get
dirty and gritty, but we don't
like to get dirty."
After some failed attempts.
at other establishments, Ms'
Smith landed a job working
in sales and inventory at Han-
na's Hardware, where she is
still employed today. There
are several other women
working at that establishment.


Though her job does not
take her into the field with
hands-on work, Geraldine
says that she still fixes plumb-
ing problems around the
house, and in the homes of
family and friends.
"At first, they (family) were
sceptical, wanting to know
what I was doing here and
with this (tool), as if I didn't
know what I was doing. But
after a while, they got confi-
dent in me," she said.
Geraldine says there is a
perception that women who
take the lead in male-domi-
nated professions have lost,
or will soon lose, their femi-
ninity. But that is only a myth,
she adds.

Feminine
"When I'm at work, I dress
according to the job. But I
don't think that it affects the
feminine part of me because
when I go out, I still dress like
a girl. I still wear a little make-
up, eye shadow and stuff like
that."
Negative criticism from oth-
ers is the reason many young
women may not not pursue
careers that they wish to.
They become discouraged by
men who are intimidated by
their presence, and by other
women who feel that such
professions are unladylike.
"It was all of that negative
criticism that helped me to
develop that self-esteem. It
helps you to figure out what
you want and makes you
more determiend to get it,"
she noted.
Bbing a successful woman
in a "man's world", is some-


thing that Geraldine prides
herself in. "It shows them
(men) that not only they can
do the work.
"I am a woman and I can
do it better than you. And it's
some kind of competition to
know that I could beat you at
your own field.
"You know, it's their field,
because more guys are in it,
but don't just look at me as
being a weak woman.
"Don't underestimate me,"
she says.

Professions
Though times have changed
and more women are enter-
ing into unlikely professions,
Geraldine says that a woman
can always expect to be the
target of negative attitudes.
That's when her responsibili-
ty is to be guided by her own
goals comes in.
Her advice: "Women can
do anything they put their
minds to.
"We are more persistent,
we plan a lot, so we can put
anything to work that our
minds can think of. Once you
have your mind set, and you
see that you can do a better
job, just block out the com-
ments and reach for the
stars."
As to whether or not she
will stay in the field much
longer, Ms Smith says that she
is now in her twenties and one
never knows where life will
take her. "You never know
where you will go, so you
need something to fall back
on. I haven't really decided,
but I haven't ruled anything
out."


Ph: 393-5656 Fax: 394-8086
Located on the top-of-the-hill Mackey Street, next door to Super Value. OFFICEFURNITURE OUTLET


INTRODUCING

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PAGE 2C, TUESDAY, APRIL 26, 2005


THE TRIBUNE


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THE RIBNE ULSAYAI-KIL b, UU~ IWOMAN~j


If you have teenage chil-
dren in your home now
or had them some time
ago, when it comes to
eating, you can almost
relate to Phil Stubbs' latest
release "Stress".
I think, however, this may not
have been necessary for the
most part. When it comes to
making food choices and eat-
ing, teenagers can do much bet-
ter if (1) good food habits are
established in infancy and early
childhood and (2) they are
offered guidance now that they
are older.
While the first may be like
crying over spilled milk, you can
still make a difference if you as
a parent or guardian would take
a positive outlook.
Involve yourselves in what
they choose to eat, even if
telling them "you cannot get
dessert if you don't eat your
vegetables" does not work any-
more.
SNACKS AND JUNK
FOODS
When it comes to eating,
teenagers are well-known for
two things, snacking and junk
foods.
Snack Attacks
It would seem as though
teenagers are eating all the time.
These "snack attacks" occur for
a good reason. With their high
energy and nutrient needs,
teenagers often need snacks as a
"refuelling stop".
The three-meals-a-day plan
with no between meal snacks
will not work for the growing
teenager, because seldom can
their need for calories and oth-
er nutrients be met with this
,kind of meal pattern, let alone
ithe emptiness which they feel
Jin their stomachs. Boys, espe-
'cially, need to eat more fr- .
quently to feel full and to avoid


LIGHTEN UP & LIVE HEALTHY


hunger cramps. The common
saying "I'd rather clothe you
than feed you" couldn't be
more true for the teenage boy.
Because snacking often
defines teenagers' eating styles,
they need to learn how to
choose snacks with nutrition in
mind. Choosing foods as out-
lined in a food guide such as the
pyramid can help in this area,
because the food groups as out-
lined, can supply nutrients they
need for growth, energy, and
health.
The real issue with snacking
isn't whether they do or don't.
Instead, displacing nutritious
food and perhaps meals with
low-nutrient, high-calorie, high
fat snacks is the issue. Encour-
age teenagers to choose more
of their foods from the bottom
of the food guide pyramid and
less from the top. In other
words, they should choose to
eat more breads, cereals, veg-
etables and fruits and less fatty
foods, including meats and dairy
products, candies etc.
What to do about your
- -1 -t- A6-. .


to influence the eating habits of
a teenager subtly, of course!
You can:
Provide lower-fat foods at
home to help balance higher-
fat foods eaten away from
home.
Build skills, let your teenag-
er plan, shop for and then cook
meals.
Talk to your teen about
lower-fat choices when they eat
at restaurants, and how they can
help in weight control.
Discuss wellness and
lifestyle, such as regular exer-
cise, lower-fat eating and not
smoking. This, however,
requires that you yourself must
be an example.
Talk to your teenager about
nutrition and health in terms of
what matters to them, such as
feeling good, looking good and
performing well.
If you do not practise good
eating and do not exercise reg-
ularly, try making this a family
affair. One thing that teenagers
like to have and don't mind
having around them is a fit and
well-groomed parent.


It is pointless to take a radical
approach to these types of foods
and banning them from the diet
of a teenager because they are.;
going to eat them anyway.
In reality, all foods can fit into
a healthy diet if is done proper-
ly. Teenagers, like the rest of
us, enjoy the taste of chocolate,
potato chips or soda. Though
these foods have fewer nutri-
ents per calorie, there is nothing
intrinsically wrong with having
them once in a while. The key
here is "once in a while". One
should not make a habit of
choosing foods high in calories
and low in nutritional value,,on
a daily basis and almost at every
meal.
The key for helping teenagers
to improve their meal patterns
and to eat less "junk foods" is to
ensure that these types of foods
are a small part of your overall
diet. This means, perhaps, eat-
ing junk foods only at certain
time, choosing a smaller piece,
eating somewhat less before or
after a higher calorie food or
and taking an extra exercise ses-
sion.
What can you do to help
teenagers choose "junk foods"


teenagers snacK choices. better
JUNK FOOD b II
Most of us are like the First they must read thenutri-
proverbial ostrich when it Junk food is a term you hear tion information on the label of
comes to teens and eating. We of quite often these days, but the food that you buyl.Here
bury our heads in the sand after do you actually know what it they will find information on
we have given them lunch mon- is? Junk food is a slang word the calories per serving, grams
ey or bought the groceries for for foods with limited nutri- of fat, sodium (salt), cholesterol,
the house. tional value. Every person has fibre and sugar content of that
Let's do some positive things their own list of foods that they food. If there is no label then
starting with breakfast, which consider "junk". However, I they should consider the
was discussed two weeks would suggest to you that any method of preparation of that
ago. Encourage them to have food that is high in salt, sugar, food. Foods that are fried or are
something in the morning. A fat or calories and low in nutri- made with lots of sugar and fats
sandwich with fruit juice or milk ents should be considered "junk (i.e. guava duff) can be consid-
is a good start. food". For example, salted ered.
Next, if lunch is taken, work snack foods, candy, gum, most Calorie content of 300 calo-
with the school officials so that sweet desserts, fried fast food ries per serving or less is con-
the lunch vendors serve better and carbonated beverages are sidered to be all right, except
food selections. For example some of the major junk foods. when it comes to whole meals.
Baked or BBQ chicken`instead. :Thes'e fod~f f it li Yett itY 'f fli6serv'ing size.If
ana r TGhiere a tieg ways .i. ; lati ito
and- a roll.,le teareotheways al s ,a
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matters
y h e za t u .,,, a r ','er.................... ............................... .


Eating habits





of teenagers


satisfy you, then avoid that
food.
Example: the serving size
could state four ounces of
yoghurt will give you 280 calo-
ries. If that is not enough and
you need eight ounces then that
snack would exceed the amount
of 300 calories.
Look at the number of grams
of fat in the product. For every
five grams of fat in a serving of
food, you are eating about one
teaspoon of fat.
The amount of sodium (salt)
in one serving of a food should
be 2300 milligrams or less per
day.
Cholesterol content should
be 300 milligrams or less per.
day. It is easy to remember tha."
30,0 is the same as the number'


I am young and
am looking for
a gynaecologist,
but I am worried
about having a
male one. Do I
want a male or
female?
PATIENTS look for differ-
ent things from their health-
care provider and for women,
their gynecologist is the most
important physician choice.
Whether or not a female or
male physician is chosen
depends in large part on what
the patient is looking for. For
the most part, a female gynae-
cologist is chosen when a cer-
tain level of empathy is need-
ed because it maybe felt that
as a female, the physician may
have experienced what they
may be currently experienc-
ing. Younger women, espe-
cially teens, prefer females
because of a sense of shyness
and difficulty in speaking with
a male about personal physi-
cal issues. Fortunately for us


of calories per servings.
Over all if you want your
teenager to cut own on junk
food, find ways to reduce their
intake of salt, sugar, fat and
refined foods. Don't get dis-
couraged if your first attempt
at change doesn't work out. In
fact, first attempts at change
with teens rarely work. Give it
another try with or try a differ-
ent eating pattern until it works.
Making good food choices a
habit may take some time, but it
is well worth the effort.

Provided by Adelma Penn
and Camelta Barnes, nutri-
tionists from the Department
of Public Health/ Ministry of
Health


Oppo)sites attract




then repel,




scientists say














"Copyrighted Material

2 Syndicated Content

Available from Commercial News Providers"


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Dr Mildred Hall-
Watson
Obstetrician/
Gynaecologist
in the Bahamas, we have a
choice of excellent physicians
of both sexes.
This informative weekly
column provided by Doctors
Hospital is intended to educate
women about important issues
regarding their health and is
not intended as a substitute for
consultation with an obstetri-
cian/gynaecologist. Please send
questions via e-mail to tri-
bune@tribunemedia.net or
mrassin@doctorshsoptial.com.
For more information call 302-
4707.


I


THE TRIBUNE


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THE RIBUE TUSDAY APRL 26 200,EPAET5


DY AND M


IN D


'Hypertension:


Silent Killer


The


Exposed'


* By PETURA BURROWS
Tribune Feature Writer
Almost 50 per
cent of persons
over the age of
65 have high
blood pressure.
But the "most amazing statis-
tic" is that of patients 50 years
and older who have normal
b~ood pressure, 90 per cent will
develop hypertension as they
get older, warns Dr Judson
Eneas.
"This (high blood pressure)
becomes an extremely impor-
tant condition. And a condition
that if we treat it, can make a
big difference in morbidity and
mortality," he said in his pre-
sentation at the most recent
Doctors Hospital Distinguished
Lecture Series.
*He spoke on the topic,
"Hypertension: The Silent
Killer Exposed"
While certain age groups are
at risk, Dr Eneas says that fam-
ily history becomes "vitally"
important in predicting who will
have high blood pressure.
"If you had a father who died
before the age of 55 with high
blood pressure or a mother who
died before the age of 65 with
high blood pressure, that is an-
increased risk for developing
hypertension and complications
of hypertension...," he noted.
,Previously, a systolic blood
pressure, which is the top num-
ber when. measuring overall
blood pressure, of 130; and a
diastolic blood pressure (the
bottom number), of 185, was
considered to be normal. But
Pr Eneas pointed out that this
was a few years ago.
The National Heart, Lung
and Blood Institute in the US
cQ-ordinated an educational
programme which reviewed


various clinical trials conduct-
ed on high blood pressure
patients, and came up with a
new recommendation.
The recommendation, said
Dr Eneas, has changed "drasti-
cally", with a new classification,
pre-hypertension, being devel-
oped.
Says Dr Eneas: "Systolic
pressure (measured when the
heart is pumping), and diastolic
pressure (when heart is
relaxed), is usually obtained in
the arm in a seated position.
Normal is now defined as 120
(systolic) over 80 (diastolic), so
the limits have dropped. And
the new category called pre-
hypertension, this is for patients
who have a systolic blood pres-
sure between 120 or 130, and
diastolic pressure between 80
and 89. This is pre-hyperten-
sion, and puts you at an
increased risk of developing
high blood pressure."
Dr Eneas says that at the pre-
hypertensive stage, which can
also be found in younger per-
sons, "life modification" is rec-
ommended. However, he notes
that in elderly persons, medica-
tion will definitely be required.

Treatment

Looking at the trends in the
awareness, and treatment of
high blood over the years, Dr
Eneas says that there have been
some improvements. "We find
that from 1976 to 2000, 70 per
cent of hypertensives tend to be
more aware of their condition.
But only 34 per cent are being
controlled. So 66 per cent of the
people who know they have
high blood are not meeting their
target blood pressure require-
ments."
The heart, he noted, is one
of the chief organs that can be


affected by blood pressure. He
also pointed out that cardiovas-
cular disease is the number one
cause of death in the Bahamas.
Like many other illnesses,
hypertension is not isolated.
High blood pressure can dam-
age organs in the body, leading
to brain damage, stroke, kidney
disease, peripheral artery dis-
ease (cramping and problems
with circulation in the legs, and
also circulation in the neck lead-
ing to stroke, or difficulty with
circulation in the arms).


Eyesight can also be affect-
ed, the doctor noted.'
"Everytime persons come for
an annual physical for high
blood pressure, they want to
know why am I looking at their
eye. (It's) because that's the
best place I can see your arter-
ies without having to cut you
open. And I can tell then, how
severe that blood pressure is,
depending on what kind of dis-
ease is in your arteries," the
doctor explained.
And when it comes to the
specific relationship between


hypertension and heart disease,
Dr Eneas says that for each
increment of 20 millimeters of
mercury in systolic pressure, or
10 millimeters of mercury in
diastolic pressure, one doubles
their risk for heart disease.
"So if you go from 120 to 140,
which a lot of people still con-
sider to be normal, you just
doubled your risk for heart dis-
ease... So, if you can decrease
your blood pressure, the lower
the blood pressure the better
off you are, as long as you are


not passing out from it," he
adds.
Controlling the systolic pres-
sure, says Dr Eneas, is more
important than controlling dias-
tolic pressure, since isolated sys-
tolic hypertension correlates
more with cardiovascular, dis-
ease than diastolic pressure.
"Persistent isolated systolic
blood pressure should be treat-
ed to less than 140, even if the
diastolic is normal. However,
diastolic becomes important in
certain hypertensive emergen-
cies, or what we call malignant


hypertension or accelerated red meat, in sugar, fats and cho-
hypertension, because that can lesterol.
damage you very quickly. "So one of the biggest prob-
"But that's only when you see lems we have in Nassau is trying
the diastolic high blood pres- to get people on (this) diet
sure hitting 120 to 130." because the complaint I hear
Malignant hypertension can most from the Bahamas is, 'I
be associated with severe don't want eat no rabbit food.'
headaches, blurred vision and You know that green stuff and
the development of renal failure all that bush and stuff on my
overnight, where the blood plate. No, I want my fried chick-
pressure becomes "out of con- en and my potato salad, maca-
trol" leading to seizures, comas roni and cheese, peas and rice
and death, Dr Eneas explains, and coleslaw slaw'," he said.
Though high blood pressure And when he encourages
will affect 90 per cent of per- Bahamians to eat "vegetables",
sons over the age of 50, accord- he says that he is not just talking
ing to the doctor's statistics, he about beets and corn two pop-
is quick to point out that there is ular side dishes. He recom-
still the 10 per cent that will not mends consuming foods that are
be affected, which means that it green the broccoli, lettuce, etc.
is preventable. Dr Eneas also suggests that par-
Dr Eneas says that lifestyle ents get their children used to
changes, which include eating eating tin this way.
the right foods, not smoking, Dr Eneas told the group:
exercising regularly, the low "Adopt a dash diet, (and you
consumption of alcohol and have a) 8 to 14 milligram drop
loosing weight, can lower an in blood pressure. Restrict sodi-
individual's risk. um intake, and you add another
2 to 8 milligrams. Blood pres-
Sufficient sure is dropping, and all we are
doing is losing weight and eating
At one point cutting out salt right. Then, you add exercise to
from the diet was sufficient, but that, engage in a regular aerobic
according to Dr EneasIthey are physical activity such as brisk
now sayMg that this not.iaieugh'.'walking, at least four or more
"A no-salt diet is good for'get-" 'days of the week, moderate
ting the blood pressure down, alcohol consumption, (2 bottles
but it's not enough anymore of beer, 10 ounces of wine, 3
because you need a diet that is ounces of whisky per day in
high in fruits, vegetables, nuts, most men and no more than
whole grains, fish, poultry and one drink for women)...that
low-fat dairy products." drops the blood pressure some
He notes that while this diet more."
will lower blood pressure, and And while some people feel
the no-salt diet will also lower as if high blood pressure is a
pressure somewhat, the two of condition that they must sim-
them used together will lower ply accept, Dr Eneas says that
pressure "a whole lot". everybody's blood pressure can
A diet that will be successful be controlled, which will pro-
in lowering high blood pressure long their life. There is no such
is one that is high in calcium as "my blood pressure always
and potassium. It is also low in runs high", he said.


Coronary Heart Disease one of the




leading causes of death in Caribbean


ONE of the leading causes of
death in the Caribbean is what
doctors refer to as Coronary
I-eart Disease (CHD).
Coronary Heart Disease is
caused by narrowing of the
coronary arteries, which are the
blood vessels that supply the
heart with nutrients and oxy-
gen. When the coronary arteries
become narrowed or clogged
by cholesterol and fat deposits
a.id cannot supply enough
blood to the heart, the disease
results. If not enough oxygen-
carrying blood reaches the
heart, you may experience chest
pain, which the doctors call
angina. If the walls of coronary
artery get so thick an blocked
that the blood supply to a por-
tion of the heart is completely
cut off, the result is a heart
attack. Here is some informa-
tion to help you gain an under-
standing of the risk factors in
CHD.
What does cholesterol have
to do with heart disease?
Many international studies
have shown that a high level of
cholesterol in the blood increase
the risk of developing CHD.
Cholesterol is a waxy, fat-like
substance that occurs naturally
in cells everywhere in the body.
Your body uses cholesterol to
make cell membranes, hor-
mones, vitamin D, and bile
acids which are needed for the
digestion of fats. Only a small
amount of cholesterol is needed
by the body. In fact, your body
can make all the cholesterol it
needs, and it is not necessary to
get additional amounts from the
,diet. /-


Cholesterol circulates in the
blood attached to proteins
called lipoproteins. The.most
important ones are Low Densi-
ty Lipoproteins (LDL) and
High Density Lipoproteins
(HDL). The LDL carries most
of the cholesterol in the blood
and this LDL cholesterol is
commonly referred to as "bad
cholesterol". When the level is
too high in the blood, the excess
is deposited on the walls of the
arteries. This can contribute to
the narrowing or blockage of
the coronary arteries, leading
to the development of heart dis-
ease. HDL cholesterol, on the
other hand, is known as the
"good cholesterol" because the
HDL moves cholesterol from
all parts of the body back to the
liver, where it is broken down
and removed eventually from
the body.
Research shows that lower-
ing the total and LDL ("bad")
cholesterol levels significantly
reduces CHD. Other studies
have shown that cholesterol
lowering in people without
heart disease greatly reduces
their risk for developing CHD,
including heart attacks and
CHD-related death. This is true
for those with high cholesterol
levels and for those with aver-
age cholesterol levels.

What makes our cholesterol
high or low?
Your blood cholesterol level
is affected not only by what you
eat but also by how quickly
your body makes LDL ("bad")
cholesterol and disposes of it.
Many factors help determine
whether your LDL-cholesterol


level is high or low. Some of
these you can't control but there
are some that you can prevent
or control.

Some factors you can't con-
trol
The three factors you can't
control are heredity (genes), age
and sex. Your genes influence
how high your LDL ('bad') cho-
lesterol is by affecting how fast
it is made or renewed from the
blood. With age, levels tend to
increase. After menopause,
women tend to have higher
total cholesterol leveld than
men of the same age.

Some things you can control
The factors you can control
are the ones to which you
should give special attention.

What You Eat
Saturated fat, a type of fat
found mostly in foods that come
from animals; and cholesterol,
which comes only from animal
products are the main nutrients
in the foods that make LDL
("bad") cholesterol levels go
up. Saturated fat raises LDL-
cholesterol level more than any-
thing else in the diet. Eating too
much saturated fat and choles-
terol may be the main reason
for high levels of cholesterol
and high rates of heart attacks
in the Caribbean. Reducing the
amount of saturated fat and
cholesterol you eat is a very
important step in reducing your
blood cholesterol levels.
Your Weight
Excess weight tends to
increase LDL ("bad") choles-


terol level. If you are over-
weight and have a high LDL-
cholesterol level, losing weight
is one of the first steps you
should take to reduce your
chances of having heart disease.
Weight loss also helps to lower
triglycerides and raise HDL
("good") cholesterol levels.

Levels of Physical Activi-
ty/Exercise
Regular physical activity may
lower LDL ("bad") cholesterol
and raise HDL ("good") cho-
lesterol levels. Walking, swim-
ming, riding a bicycle for at least,
30 minutes a day will help'keep
you in shape and will keep your
heart muscles strong and
healthy.

Alcohol Intake
Alcohol intake increases
HDL ("good") cholesterol but
does not lower LDL ("bad")
cholesterol. Doctors don't know
for certain whether alcohol also
reduces the risk of heart dis-
ease. Drinking too much alco-
hol can damage the liver and
heart muscle, lead to high blood
pressure, and raise triglycerides.
Because of the risks, alcoholic
beverages should not be used
as a way to prevent heart dis-
ease.
Stress Levels
Stress over the long term has
been shown in several studies
to raise blood cholesterol lev-
els. One way that stress may do
this is by affecting your eating
and exercise habits. For exam-
ple, when some people are
under stress, they console them-
selves by eating fatty foods. The


saturated fat and cholesterol in
these foods contribute to higher
levels of blood cholesterol.
Excessive worry, anxiety or
stress over long periods of time
may be harmful so it is good for
people to learn to relax when
work is over and not to drive
themselves to extremes in their
lifestyles.

Other risk factors of CHD
In addition to high choles-
terol, there are other factors
that can increase your chances
of developing heart disease. The
more risk factors that you have,
the greater the risk of develop-
ing the disease.
The factors for CHD that you
cannot control are age and fam-
ily history. As you get older
your risk increases. A family
history of early heart disease
also increases risk. If your par-
ent or grandparents lived a long
time free of heart disease
there's a good chance you will
too. Fortunately, the other risk
factors are ones that can be pre-
vented or controlled. What are
these?
Blood Pressure
High blood pressure is dan-
gerous because it makes the
heart work too hard. High
blood pressure and heart dis-
ease are closely related. Actu-
ally, high blood pressure and
overweight often accompany
each other. When the weight is
brought done, the blood pres-
sure frequently returns to nor-
mal. If you are of normal
weight, and your blood pres-
sure is still high, the doctor can
give you some medicine which


will help keep the pressure near
normal. It is also important to
remember that various studies
have shown that those of Afro-
Caribbean descent are at higher
risks of high blood pressure
than other racial groups. The
reason for this is still not fully
explained.

Obesity/Overweight
Obesity is a major risk factor
because it is associated with
many of the other factors that
increase risk for CHD. Heart
disease occurs two and one-
third times more often in people
who are 25 per cent over their
normal weight than among peo-
ple of the same age whose
weight is within healthy age.
Overweight or obese persons
are more likely to have high
blood pressure, high cholesterol
levels and diabetes, all of which
increase your chance of devel-
oping heart disease. The dis-
tribution of body fat may also
affect risk. Excess fat in the
abdomen poses the highest risk
for CHD.

Physical Activity
Inactivity or a sedentary
lifestyle increases risk. Partici-
pating in regular physical activ-
ity or exercise helps to prevent
obesity, increase HDL "good"
cholesterol levels, and may help
prevent the onset of diabetes.
Smoking
From the point of view of
coronary heart disease, smok-
ing cigarettes appears to be a

See HEART, Page 6C


THE TRIBUNE


TUESDAY, APRIL 26, 2005, PAGE 5C


"This (high blood

pressure) becomes

an extremely important

condition. And a condition

that if we treat it, can

make a big difference in

morbidity and mortality."
DrJudsou Eucas









PAGE0,TUSDAY APL 26 25 T


Let s mke veronei hiem counitU


Many factors
have poten-
tial for seri-
ously impact-
ing the
health and well being of
women and children around
the world. The Bahamas has
its own unique challenges.
Thus, many government and
non-government agencies seek
daily to address many of these
issues.
There is still much more that
can be done, by everyone, as
many of the challenges that
impact the health and well
being of women and children
directly and indirectly impact
societies and the world at large.
Women and children are the
real wealth of societies. Let us
make everyone of them count.

Countries

The Bahamas is one of the
more than 189 countries
-around that world that make
up the membership of the Pan
American Health Organiza-
tion. These countries have
committed themselves to the
Millennium Declaration and
the resulting targets of the Mil-
lennium Development Goals,
which acknowledge the impor-


tance of healthy mothers and
children, for social and eco-
nomic development of the
global society. They also
demonstrate that simultaneous
action is needed across many
different fronts or arenas in
order to achieve the results.
The Convention on the Rights
of the Child which has almost
universal backing, promotes
holistic approaches to child
health through its core princi-
ples of non-discrimination, par-
ticipation, the best interests of
the child and the survival and
protection and development of
the child.
The role of women exceeds
the boundaries of their homes
(as does that of their counter-
parts) and many women for
varied reasons are the sole
provider for their children.
Whilst it might be argued by
many that many situations are
self induced and directly linked
to failure to plan, this is not the
case in all instances but is fast
becoming the predominant
trend. Women, though often
seen as a tower of strength by
many, need the support of all in
their reach, whether individ-
ual, group, organisation or
institution. Special efforts,
including intensified coordina-


Tips for good


digestion


AROUND the age of 40,
people begin to notice that
they can't tolerate certain
foods as well as they used
to.
As you get older, your
stomach produces a smaller
volume of digestive enzymes
and other secretions, and
your body may not digest or
absorb foods as easily as it
did when you were younger.
If you are prone to digestive
problems follow these tips:
Eat smaller, lighter
meals, spaced throughout
the day, instead of heavy
meals. As a person ages, the
blood supply to the small
intestine declines, hindering
the absorption of nutrients-
from a sudden, large deliv-
ery of food.
To prevent gas and
bloating, don't gulp liquids


or talk while chewing food.
Limit the amount of gas-pro-
ducing foods you eat. Cab-
bage, onions and cooked
dried beans are common
offenders.
Eliminate milk products
from your diet if they cause
bloating or gas, but be sure
to supplement your diet with
calcium, soy milk, or lactose
free milk.
Avoid wearing tight
clothing around your waist
at mealtime.
Don't lie down for at
least two hours after you
have finished a meal, and
don't eat right before bed-
time.
If symptoms persist con-
sult a Gastroenterologist
Who can help.

Source: Doctors Hospital


health





The Cancer Society of the the American Heart Asso-
Bahamas meets at 5.30pm ciation offers CPR classes
on the second Tuesday of certified by the AHA.
each month at their Head- The course defines the
quarters at East Terrace, warning signs'of respiratory
Centreville. Call 323-4482 arrest and givesprevention
for more info. "; rat;egiett avoidu
death syndromtie and the
REACH Resources & most common serious
Education for Autism and injuries and choking that
related Challenges meets can occur in adults, infants
from 7pm- 9pm the secoid',: a ,childr 1..,.
Thursday of each mont li cl PR : id class
the cafeteria of the BEC es are offered every third
building, Blue Hill Road. Saturday of the month from
9am-lpm. Contact a Doc-
MS (Multiple Sclerosis) tors HospitalICommunity
Bahamas meets the third TraigR tentative at
Monday every month, 6pm 302-4732 for more informa-
@ Doctors Hospital confer- tion and learn to save a life
ence room. today.


The Bahamas Diabetic
Association meets every
third Saturday, 2.30pm
(except August and Decem-
ber) @ the Nursing School,
Grosvenor Close, Shirley
Street.

Doctors Hospital, the
official training centre of


Alcoholics Anonymous
meets @ 16 Rosetta St,
Monday-Friday and Sun-
day, 6pm-7pm & 8.30pm-
9.30pm, and on Saturday,
10amam-1m &6pnim-7pm &
8.30pm-.9.30pm; @ Sacred
Heart Catholic Church,
Shirley St, on Friday at
6pm.


tion between safe motherhood
initiatives and child survival
programmes are needed by
every society to increase the
number of newborn babies
who receive critical, life-saving
care.

Educated

It is globally recognised that
when girls are adequately edu-
cated, it results int healthier,
better-educated children, few-
imaternal and child deaths,
greater economic opportuni-
ties and enhanced well-being
of the family. Nevertheless, it is
observed that (globally) two
out of every three children not
in school are girls anl two out
of every three illiterate adults
are women. This trend is evi-
dent in the Bahamian context.
Such facts have contributed to
and resulted in the establish-
ment of continuing education
opportunities for teen mothers
in the Bahamas via PACE
(providing Access to Continu-
ing Education) programme.
The Bahamas is well on the
way to achieving the goal of
education female popula-
tion; the futile mothers of our
nation, but there uch more
that can and m be done.
Support is needed from par-
ents and members of the wider
community to encourage all
children, particularly girls to
pursue a sound education, as
this contributes to the overall
well-being and survival of
mothers and children, hence
the nation. Delayed parenting
amongst teenagers is the ulti-
mate intervention that is cer-
tain to generate the best out-
come for both potential teen
mothers and their children.
Such delay in parenting until
later life increases the poten-
tial for the achievement of
higher levels of education for
the mother, which will later
transform into greater outcome


for her children as they relate
to suffering and death.
Several interventions have
proven effective for reducing
disability and death amongst
mothers and.children. These
are:
Social support, (which)
should be available for women
during labour and birth. Cur-
sently, here in the Bahamas
parent craft sessions are being
incrementally introduced into
all government community
clinics in New Providence and
all major Family Islands. The
aim is to improve maternal and
neonatal outcome of each preg-
nancy. One important compo-
nent of this programme will be
the establishment of a support
group for mothers. Equally
important is the involvement
of fathers and significant others
in the life of the woman and
her expected child. Addition-
ally, a segment of the pro-
gramme was developed to
assist parents in appropriately
responding to the. changes that
their child/children go through
as they develop; so as to
encourage and enhance the
best parent-child interaction,
and the overall developmental
outcome for the child.

Feeding

Breastfeeding, (which)
remains the number one choice
for infant feeding and should
start within one hour after
birth. This mode of infant
nutrition has many health ben-
efits for both the mother and
her baby. It is recommended
by the World Health Organi-
zation for use by all mothers
and is actively supported by
healthcare providers in both
the public and private sectors
here in the Bahamas. Where
mothers are challenged with
successfully achieving this end,
the Ministry of Health, through
the Department of Public


JOINING HANDS FOR HEALTH


Health has established a Lac-
tation Management Unit,
which is staffed with qualified
practitioners, who willing assist
all mothers accessing this ser-
vice, and is located at several
clinics in New Providence -
including the Anne's Town,
Coconut Grove and Blue Hill
Road Clinics. I
The World Health Org-
zation advocates that elwy
newborn should have a safe
and clean birth and be imme-
diately dried and kept warm to
protect against hypothermia
(loss of body warmth). Other
recommendations by WHO are
that the umbilical cord of the
newborn infant be cut using a
safe technique, and it be kept
clean and dry. This standard
has always been maintained
within the health care system of
the Bahamas.

Drugs

Further recommendations
are the use of drugs such as
magnesium sulphate (that is
used to treat women with pre-
eclampsia and eclampsia a
condition occurring in late
pregnancy) and oxytocin ( a
drug often given to labouring
women as a part of the active
management of the third stage
of labour) and antibiotic (in
women undergoing caesarean
delivery) for protecting the
health and well-being of moth-
ers and children during preg-
nancy and birth globally. Safe
interventions such as manual
vacuum aspiration (MVA) in
women who had incomplete
abortion and induced abortion
are glsp advocated. Addition-
ally supplement such as iron
arod:fIlate (which is routinely
Used'in'all expectant mothers in
the Bahamas, except in those
cases where use in not safe for
the mother) are recommend-
ed for routine use in pregnancy
to prevent maternal anemia.
Kangaroo-mother-care (special
care of infants in their homes)
is advocated for all low birth


It's National Medical Laboratory Week


FOR many people, laboratory testing is
an invisible side of medical care. However,
according to statistics, 60-70 per cent, and
by some estimates, up to 80 per cent of
health care decisions from diagnosis
through therapy and prognosis come
from clinical laboratory tests.
During the week of April 25, 2005, med-
ical technologists will be celebrating
National Medical Laboratory Week and
its role in promoting and protecting health.
Under the theme "Laboratory Profes-
sionals: The Heart of the Medical Investi-
gation Team" medical technologists will
seek to sensitise the public to the vital role
medical laboratory personnel play in every
aspect of healthcare. This National Medical
Laboratory Week is a time of celebration
and recognition of all laboratory profes-
sionals.
Although they work behind the scenes,
medical laboratory professionals, like those
at Doctors Hospital, are just as dedicated
to the patients' health, doing much more
than examining specimens through a
microscope. They operate complex elec-
tronic equipment, computers and preci-
sion instruments. A medical technologist is
considered to be self sufficient, precise and
thorough. They are also troubleshooters
who not only report accurate results, but
also realise when results are incorrect and
need to be re-checked.

Pictured: Michelle Horton, Doctors
Hospital Medical Technologist with a gen-
erous blood donor.


Heart (From page 5C)


major hazard. The risk of heart disease to
smokers is over two times that of non-smok-
ers. Also smoking tends to lower the age at
which coronary heart disease occurs and
also tends to neutralise the protective effects
that females have at the younger age. It is
good advice to stop smoking if you're inter-
ested in protecting yourself against possible
heart disea*
Diabetes
Diabetes, which is one of the most cornm-
mon conditions in the Caribbean, has now
been shown to be a big risk factor for coro-
nary heart disease. Uncontrolled diabetes
can greatly increase your risk of coronary
heart disease. It is thus important .that you.


prevent the onset of diabetes and this can be
done through healthy living (healthy eating
and exercise) and ensuring that your weight
stays within the healthy range for your
height. If you already have diabetes then
you must try to keep your blood sugar as
close to normal as possible. This an also he
achieved through a healthy lifestyle and in
some cases with the addition of medica-
tion. The key factor here is that you must
ensure that you lead a healthy lifestyle and
that you monitor your blood glucose to
ensure that it stays within the normal range.
Final note
The kpy to all this prevention is modera-
tion in your eating and living habits. Your


diet needs to be low in fat and especially sat-
urated fat and cholesterol, your weight
should be within the healthy range for your
height and you should at least try and do 30
minutes of physical activity every day. Pre-
vention and control of high blood pressure
arid diabetes are also key to prevention.
Smoking and excessive alcohol intake
should be avoided if you want to protect
your heart. Remember that your doctor
can give you advice but prevention of heart
disease is strictly up to you.,


Source: Caribbean Food and Nutrition
Institute


weight (less than five pound)
babies.
As mentioned in previous
sections of this series, the
health concerns for mothers
and children being promulgat-
ed in this year's World Health
Day messages is not particu-
larly pertinent to the Bahamas
at this time, as the Ministry of
Health through it varied agen-
cies has made, the highest stan-
dard of maternal and child
health services, available and
accessible to its residents,
which contributes to keeping
the infant and maternal mor-
tality rates down.

Focus

Those interventions con-
cerned with the social and psy-
chological needs of mothers
and children are not a key
focus for this year's observance
however they have been iden-
tified as contribution factors to
suffering and death amongst
mothers and their children.
These areas are along with pre-
ventive health maintenance are
of particular relevance in the
Bahamian context and as such,
at this time special emphasis is
being placed on encouraging
the people of the Bahamas to
unite their efforts in providing
assistance to those mothers and
children in society that are in
need of their help, whatever
the nature.

For additional information
of factors impacting the health
and well being of mothers and
children and the role you can
play contact the Maternal and
Child Health Coordinator at the
Department of Public Health,
Mini'sry of Health at telephone
nUmber 502-4778, The Health
Education Division of The
Ministry of Health at Telephone
numbers 502-4836, or 502-4763.
Or you may contact any mem-
ber of the Maternal and Child
Health team of the Ministry of
Health at a health care facility
nearest your home.


PAGE 6C, TUESDAY, APRIL 26, 2005


THE TRIBUNE





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PAGE 80, TUESDAY, APRIL 26, 2005THEGATRIBUNGE


on gardening


Propagation techniques


L ast week we discussed
how easy it was to prop-
agate certain plants by
taking cuttings from low
down on the parent plant
and, with the minimum of effort,
establish a new plant. Cuttings work
best for flowering shrubs but other
propagation techniques need-to be "
used for harder woods, such as fruit
trees.
The end of June will be Scarlet
Plum time. If you wish to propagate
the tree the time honoured method
is to break or saw off most of a large
limb while fruit is in place. Bury the
thick end of the limb to a depth of 18
inches and water frequently. Not only
will the limb which may be six to
ten feet in length root successfully, it
will produce fruit in the next year or
two. You can use the same technique
for Hog Plum inriSeptember.
Success
It would be nice if all fruit trees
could be propagated this way but we
can get success using the slightly more
involved method of marcottage or air
layering. The theory behind air lay-
ering is that trees take up moisture
through the trunk and distributes
some of it though the cambium layer,
thin green ti!e which lies below the
bark. If the fow is interrupted by
removing the cambium layer then
moisture collects above where the
cambium layer was removed. If there
is a growth node in the region then
roots will form in an attempt to keep
the affected limb alive.
In practice, we select a healthy limb
and girdle it using a sharp knife in an
area three or four feet from the end of
the limb and just below a growth
node. The girdling should be done
with a very sharp knife, once just
below the node an.dagain-at-least one
inch farthef'r'own, preferably two.
The bark and cambium layer between
the two girdles must then be scraped
away using the same sharp knife. This
must be done thoroughly as the small-
est trace of cambium can develop and
form a bridge between the girdles,
thwarting the exercise.
Trickiest

The next stage is the trickiest. Soak
some sphagnum moss (not sphagnum
peat moss) in water then squeeze out
the excess moisture and apply it to
the wounded area. Wrap the moss
with a waterproof sheet such as plastic
wrap or aluminium foil and twist or tie
he ends securely. Then cover the foil
or plastic wrap with a layer of cloth
which will keep out light and protect
against the sun's rays. I have made
the process sound simple but you real-


Green Scene by Gardener Jack


* CARAMBOLA is a fine fruit tree to propagate by air layering. Fruiting occurs
very quickly after the air layer is planted.


ly need more than one pair of hands to
keep the moss in place while covering
it.
The air layer should be kept in place
forat least three months. Remove the
cloth and check for dryness every two
weeks or so. The top fastening can be
loosened and water added to the moss
if it dries out. When a solid mass of
roots has formed the limb can be cut
away from the parent plant and plant-
ed where you want it to grow. Because
the roots are delicate it is best to pre-
pare a hole and half fill it with soil.
Water until a slurry has formed and
then hold the limb with the roots in
the slurry until the water drains away.
You can then add extra soil to fill the
hole. The limb should then be sup-
ported for several months until the
roots mature and anchor the new tree
firmly.

Produce
Some plants, such as Rosemary and
Allamanda, produce long cane-like
branches that can be bent over to
touch the ground. If they are wound-
ed below a growth node and then
staked into the ground, roots will
appear and create an independent
plant. This technique is known as
ground layering.
Plants such as Coleus, Crotons and
some varieties of Hibiscus can be root-
ed in water. Just take a regular cutting
and immerse the end in a few inches
of water. Change the water every day
or two. Once roots have formed you
can use the slurry method to plant the
cuttings.
Amateur
There are two other major forms
of propagation which are rarely used
by the amateur gardener. One is bud-
ding and grafting which requires
skilled techniques, speed and deft-
ness. Budding allows superior fruit-
ing or flowering plants to become part
of a stronger but less productive plant.
You can create a Hibiscus shrub with
five different coloured flowers or a
citrus tree that produces limes, lemons
and oranges at the same time. Graft-
ing is used to attach superior fruit
trees to a root stock that is strong and
disease resistant.
The other form of propagation is
tissue culture and takes place in labo-
ratories. Tissue from a single plant,
usually an orchid, is treated and from
that single plant thousands of identical
plants can be grown. The process
takes about seven years from mature
plant to mature plant.


gardenerfack@
coconuttelegraphs.net


PAGE 8C, TUESDAY, APRIL 26, 2005


THE TRIBUNE








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