Business

By Farid Suleiman

Bloomberg reports that the Central Bank of Nigeria (CBN) has penalized three banks over non-compliance with its cryptocurrency directive. The affected banks are Stanbic IBTC Bank, Access Bank Plc and United Bank for Africa.

In a circular dated January 5, 2021, the apex bank had issued a directive to Deposit Money Banks (DMBs), Non-Bank Financial Institutions (NBFIs), and other financial institutions (OFIs) to identify and suspend all accounts of individuals and entities used for cryptocurrency transaction on their system.

“Further to earlier regulatory directives on the subject, the bank hereby wishes to remind regulated institutions that dealing in cryptocurrencies or facilitating payments for cryptocurrency exchanges is prohibited,” the circular reads.

“Accordingly, all DMBs, NBFIs and OFIs are directed to identify persons and/or entities transacting in or operating cryptocurrency exchanges within their systems and ensure that such accounts are closed immediately.”

The affected banks were fined a combined sum of ₦800million. Stanbic IBTC Bank, United Bank of Africa and Access Bank were fined 200million, 100million, and N500million, respectively.

By Ahmad Deedat Zakari

The Central Bank of Nigeria, CBN, has announced a plan to punish banks for depositing mutilated naira notes. 

This was made known to the public in Abuja through a circular signed by CBN’s Director of Currency Operations, Mr Ahmed Umar, over the weekend.

According to Mr Umar, the warning to the banks to stop depositing mutilated and composed banknotes will take effect from Friday, April 1, 2022.

“The management of the CBN observed with concern the increase in the number of composed banknotes deposited by DMBs and request for replacement of such banknotes by members of the public.

“The existence of composed banknotes in the economy falsifies the true value of currency in circulation, and can also be avenue for fraudulent activities.

Consequently, any composed banknote discovered in the deposit of DMBs shall attract penalty of 400 per cent of the value,” The circular reads.

Composed banknotes or mutilated Naira notes usually comprise several parts of different banknotes of the same denomination.

By Aminu Adamu Naganye

Campus-based businesses in and around Bayero University and Yusuf Maitama Sule University Kano have mostly closed following strike action by the Academic Staff Union of Universities (ASUU), leading to the loss of multiple jobs amid the harsh economic situation in the country.

The strike, apart from terminating academic activities across the campuses of the Universities, has left the institutions desolated as the absence of students grounded business activities to a halt.

A cross-section of petty traders, okada riders, restaurateurs, typesetters and other campus-based artisans have complained about how the strike is taking a toll on their businesses, scuttling their means of livelihood amid soaring inflation in Nigeria.

Nigerian public universities have been on industrial action since 14^th February 2022 to pressure the government to fund the universities and settle some outstanding issues as contained in the 2009 Memorandum of Understanding (MoU) and 2020 Memorandum of Action (MoA) as negotiated by the Union of the University teachers and the Federal Government.

Why is ASUU on strike?

The university teachers signed an agreement with the Federal Government of Nigeria in 2009 for the revitalisation of public universities, which will enable the ivory towers to access 200bn annually for six consecutive years. The FG reneged as it only released once in 2013.

Government’s inability to implement other issues of 2009 MoU and 2020 MoA, such as salary upward review after three years relative to the strength of naira-dollar, payment of Earned Academic Allowance (EAA), etc.

The continued use of the controversial Integrated Payroll and Personnel Information System (IPPIS) did not capture university peculiarities and refusal to accept ASUU’s alternate payment system called University Transparency and Accountability Solution (UTAS).

Another point of concern by ASUU is the proliferation of universities by the federal government without adequate funding for the existing ones, which the union argues will further jeopardise the entire Nigerian public university system.

From warning strike to “extended” warning strike

The university dons have completed a 4-week long warning strike in an effort to press home their demands for the Government to honour the agreements. However, after a series of talks between government delegations and the leadership of ASUU, the union extended the warning strike by another eight weeks “to give the government enough time to implement the agreement”, according to ASUU President Prof. Osodeke.

Equally, meetings between the minister of education and the leadership of the National Association of Nigerian Students (NANS) did not yield the resolution of the bone of contentions.

Businesses disrupted, livelihood lost

As the industrial action continues, its effect is taking a toll on businesses and vocations on and around the campuses, with many business owners facing bankruptcy.  Although most businesses, such as petty traders, cafés, restaurants, typesetting and photocopying centres, barbing shops etc., have closed down, the remaining few yet to close narrate their harrowing experiences at Bayero University Kano and Yusuf Maitama Sule University.

Ummi Abdulaziz, whose shop in BUK could not sell goods of N1000 a day due to the absence of students, described the ongoing ASUU strike as unfortunate, adding that “The strike affects us really seriously.  There are no customers now. There are no people around. We open our shop, but there are no buyers. We are adversely affected. Sales have drastically reduced or even stopped. I can’t even make 1k a day now…”

Ummi, who called on the Federal Government to meet up with ASUU’s demands, said the plight of students and campus-based business people should not be allowed to suffer for long. She urged the two parties to have “A discussion and resolve this problem once and for all.”

Another business owner who identified himself as Sarkin Noma Maitireda BUK said the strike had brought misery and deprivation to their lives as his sole means of survival was being threatened. He was thinking of moving out of campus to find ways to feed his family.

Maitireda further lamented, “Honestly, we are not happy with the strike. We are pained because of our business. Everything on the campus isn’t functioning now. We only sit down by our stalls and shops sometimes to even nap. It badly affects our lives negatively.”

He recalled nostalgically how he survived past strikes partly by leaning onto his savings and ultimately on support from family and friends, saying, “We used to survive on our savings, then we borrowed from friends and family. When the strike ended, and businesses normalised once again we repay our debts”.

He decried that the current situation in the country makes it extremely difficult for him to obtain any support from friends and family, saying “everyone is battling with his challenge.”

“We call on the Federal Government to consider their demands so that they resume their activities and our university to reopen.” He appealed as he narrated how he naps by his stall due to no patronage.

Adamu Aliyu, who used to rake N30, 000 daily on average through his stationery stall but now less than N1000, argued that business people suffer the multiplier effects of the strike more than other members of the university community, including students.

Adamu called on the Federal Government to fulfil its promises to the academics and observed that “the situation in the country today is very terrible. So, I call on the FG to consider the situation of the country generally and consider the students and campus-based businesses specifically.”

Mohammed Kabir of Chiroma Business Centre in BUK, whose typesetting and stationery business vicinity remain desolate, said the strike alongside soaring inflation in the country makes his survival as a father and a husband very difficult.

Narrating his challenging sailing through the harsh reality of the economy compounded by the ongoing strike noted that “it has been difficult for me to survive because before now we were feeding from hand to mouth because of the economic situation. Most of the materials we were using have skyrocketed because of inflation…and now strike….”

Kabir lamented further that, unlike previous university strikes where few works were available, currently, “Probably due to the economic situation of the country, everything stopped. Nothing comes.”

Kabir pleaded that in the interests of students and the nation, even if business owners would not be considered, the two parties should resolve their differences to allow academic and business activities to return to universities as soon as possible.

”As a matter of urgency, the Federal Government and ASUU should come together and have a dialogue to resolve the issue. For the interests of the students’ even if they won’t recognise us, business owners… FG should fast track implementation of the issues so that at least the strike can be called off”, he further stressed.

It is no different at Yusuf Maitama Sule University (YMSU), as academic and business activities are grounded following the declaration of the strike. Unfortunately, like students, most businesses on the campus have closed due to poor patronage created by the vacuum left by students.

Abdussalam Adam was among a few business owners that come around to open their business for a few hours daily but now is considering total closure.

His business centre that provides Café services, typing, printing and photocopying to students has been badly hit by the ongoing strike. As a result, his average earning of N5000 has been depleted to around N500.

“Seriously isn’t easy for us that have business here on campus. The strike isn’t affecting students alone. It affects us. When the students were around, there was much work to do. I used to make 5k, 6k a day but now ….since morning I am just having 500 naira with me”, he complained.

He stated that “If I have the opportunity to talk to the federal government, I would advise them to consider ASUU’s demands and resolve the issue. They spend more than what ASUU is demanding on their personal issues. Why not on universities?”

“New World Cyber Café has already temporarily disengaged its staff because of the strike, but they will resume work when the university’s academic activities resume’’ said Bitrus Monday, who operates the biggest cyber café at BUK.

Bitrus Monday, who decried that strike is becoming habitual in Nigerian public universities, stated that there is an urgent need for the parties to have dialogue that will lead to settlement of the burning issues soonest.

“We are negatively affected. They should help us settle themselves. They should have a round table discussion and sort things out. It is obviously becoming a yearly habit in our universities.” He said.

Food and vegetable sellers worse hit

Food-related businesses that serve the universities and their communities are currently facing unique challenges that differ from their past experiences during varsity strikes in the past.  

Shamsu Haruna, whose famous Gurasa Joint at BUK serves hundreds of students, staff and other university community members daily with this Kano delicacy, appeared visibly hapless due to the destructive effects of the strike on his business.

Shamsu soberly recalled how busy and deeply engaged his staff were when students were on campus. He noted that more than ten people were fully engaged in full-time jobs in his Gurasa Business but now are rendered jobless because of the strike.

He reminded the relevant authorities of the ephemerality of power and authority should they fail to discharge it for the public good, adding that “Other powerful, influential people have gone so also the current leaders will go. But what they do now is what they will be remembered for. They should try and leave a good legacy. They should consider the situation of the country and resolve the problem.”        

He further noted that although members of non-teaching university staff are not on strike, his business has lost over 85% of its customers, expressing that “As we are in a very difficult situation because if you consider the market, we’ve already lost over 85% of our customers. This is not a small loss in business. We pray that God intervene in this situation… But Federal Government and ASUU should remember that life is transient.”

Restaurateur Fatima Ibrahim owns Al-Khairat Restaurant and has been in the campus-based food business for years, but the current strike is giving her a hard knock.

The strike is painfully touching for Fatima as her once-booming food business is struggling to recover after a near-death experience occasioned by the corona pandemic lockdown. “I used to go to the market to supply foodstuff on a daily basis, every blessed day, but now we go to market once a week. Unfortunately, after you prepared the food, there were no customers. Sometimes you sell, some other times you dispose of it.” she noted, adding that “FG and ASUU should please sympathise with the students and us to solve this conundrum so that they shouldn’t jeopardise the future of the students.”

Similarly, at Medinat Restaurant, the disturbance of the peace caused by the lingering university academics’ strike is making resilient Medinat Mohammed have sleepless nights. Her narration reverberated unpalatable experiences by other business community members of the university since the commencement of industrial action in public universities.

”I used to cook 4-5 mudus of rice and prepare other varieties of meals, but now half mudu doesn’t finish a day. No students. No teachers”, she bemoaned

Determinedly tenacious, Medinat said of her over 20 years of experience in the business, this is the most devastating strike she experienced, alluding to the spillover effects of coronavirus pandemic lockdown “Sometimes we take a loan and after the cooking children will eat, and we (staff) too eat from it and pay transport…for over 20 years selling food, this strike is the worse because we did not recover fully from corona lockdown. It is only through the grace of God that we survive.”

She appealed to the Federal Government to settle critical issues it had earlier agreed on with ASUU so that normalcy return to the university campus.

Unlike other businesses, vegetables and fruit sellers are the most hit, languishing in their anguish due to the perishable nature of their supplies. Their harrowing experience cannot be understood entirely from the outside as they had already lost some quantity of their goods the very first week students deserted the university as explained by Alh Isah Gurgu Maikayan Miya, “With this strike, our business was completely put to a halt, completely grounded. Things have turned off. Our reliable customers, students, are no longer on campus. Academic staff no longer come. Some vegetables decomposed the week the student left because we brought them much and no buyers. So to get our daily meal now proves to be extremely difficult.”

He sadly revealed how he is now making an average of N1000 a day which is far below his average daily sale of N10000 before the strike, which according to him, “cannot cater for my family needs.”

He urged the Federal Government and ASUU to “please sympathise with students and we business owners”.

By Kabir Fagge Ali
 
Presently, it is obvious that the time is ripe for the oil producing countries to smile due to the unprecedented increase in the oil price which eventually signalled an opportunity for a windfall. However, the situation is not the same for Nigeria as the country has plunged into deep fuel crises that has remained persistent for over a month. These crises border mostly on adulteration of the Premium Motor Spirits, PMS, also known as petrol, as well as its corresponding scarcity across the nation.

It can be recalled that, in the last three weeks, Russia has authorized a special military operation by invading the neighbouring Ukraine which caused the usually volatile crude oil prices to skyrocket beyond bookmakers. As a result, many countries are counting their fortunes in the windfall but unfortunately, Nigeria is counting its losses due to mismanagement of resources by the Nigerian National Petroleum Corporation (NNPC).

From the opening crude oil price of $76.03 per barrel at the beginning of 2022, prices have jumped to about $130 per barrel which is the highest price of the commodity for the last decade.

Just as noted in the Daily Trust Editorial of March 14, 2022, the gloom for Nigeria in the era of increased commodity prices was first forecasted by the world bank country director for Nigerian, Shubham Chaudhuri who said in January that Nigeria is at a point where rising oil prices might not be a good thing because although oil production might go up and crude oil revenue may increase, which in some point is a good thing.

The fiscal cost of petrol subsidy will also rise and while other countries may rejoice from the windfall, Nigeria will on the other hand be at the receiving end by reaping what it sows, courtesy of mismanagement of the oil sector over the past years by the NNPC. 

Truth be told, the consequences of the mismanagement of Nigeria’s four refineries is that the 440,000 barrels of crude oil supplied to NNPC daily for local refining is exported and never transparently accounted for. 

Meanwhile, the Group Managing Director, GMD, NNPC Mele Kyari claimed that N100 billion was sunk into the maintenance of the four refineries in Nigeria which is quite different from the N26bn already spent on supposed Turn Around Maintenance (TAM) on the maintenance of the refineries over the years which is an amount that will be sufficiently enough to build three new refineries as argued by many experts.

In addition, it is disheartening to learn that apart from being fleeced by NNPC and its collaborators in the name of oil subsidy or the strange term ‘under-recovery,’ Nigeria has failed to meet its oil production quota allocated by the Organisation of Petroleum Exporting Countries (OPEC). From an average of 2.1 million crude oil production quota per day, when the Buhari administration was voted into power in 2015, Nigeria is at present allocated 1.7 million per day, out of which it produces between 1.3 million and 1.4 million per day. This shortfall is a result of the lack of investment, as International Oil Companies (IOCs) have continued to exit Nigeria’s oil sector.

Despite the above scenario, the Ministry of Petroleum Resources, NNPC and its subsidiaries cannot convince Nigerians that there will be no gains from the current oil windfall. Such gains must not be frittered away under any guise.

The real question that is still begging for an answer is, can the NNPC convince Nigerians on how the country’s economy is not going to gain from this kind of oil windfall or how are Nigerian leaders being able to resolve this issue and what is NNPC’s decision on the lack of accountability to the people? 

Therefore, it is in the good interest of Nigerians that the National Assembly should investigate this issue thoroughly and ensures that money meant for the country indeed comes into the nation’s treasury unfailingly. The managers of Nigeria’s oil and gas sector must account for the gains that accrue to Nigeria from the current windfall.

Moreover, the NNPC in collaboration with the federal government and other stakeholders in the oil sector must as a matter of urgency expedite their efforts in fixing the moribund refineries in order to be functional enough to refine our petroleum products so as to meet the nation’s daily average consumption capacity of 62.5million litres of petrol. The time is long overdue to save the country’s ailing oil sector!

Fagge, is a student of Mass Communication Department, Skyline University Nigeria. He writes from Abuja, Nigerian and can be reached via faggekabir29@gmail.com

By Amina Rabi’u Bako

Coconut is one of the most important and useful plants in the world. Apart from consuming the fruit and its water, many industries, such as pharmaceuticals, beverages and cosmetics, use its parts. As a rich fruit, it is encompassed with several opportunities that bring wealth to a nation. Everything about it is beneficial to man; it has economic, medicinal and nutritional value.

According to various global research findings, its uses can be seen from its components, ranging from the meat, oil, shell, coir, husk, water and lots more, making it more of a revenue economy booster. 

Coconut is nicknamed a tree of life. Nigeria established its first coconut plantation in 1876 in Badagry, Lagos State. The crop grows in over 30 of Nigeria’s 36 states, with Lagos and Akwa Ibom states having the largest production area.

With 83 per cent of Nigeria’s states into the production of coconut, the country should succeed in producing and exporting the product across the world. Unfortunately, however, according to the Food and Agricultural Organisation (FAO), Nigeria ranks 19th in the production of coconut globally, placing the country far behind Indonesia, the Philippines and India.

As reported by Premium Times, the data obtained from the United Nations Office shows that Nigeria spent $219446.53 and $293214.22 on coconut importation in 2019 and 2018, respectively, an amount higher than $186094.58 spent on coconut importation in 2017.

The price of coconut in Nigeria today has risen by almost 100 per cent. This is not unconnected with over-reliance on coconut importation.

A coconut seller, Dahiru Umar, said, “The price keeps rising day by day. A single coconut has now multiplied its price compared to last year.”

Halima Abbas said, “the rise of coconut made me pause my coconut macaroons business for a while to see if the price might go down.”

National Coconut Producers, Processors and Marketers Association of Nigeria (NACOPPMAN) is moving towards making sufficient coconut trees in every corner of Nigeria’s states. During the flag-off and election of NACOPPMAN held in Kano, the Chairman, Fatima Abubakar, in her speech, said, “We cannot continue to import what we can produce locally! Coconut sufficiency in Nigeria is a reality.”

We need to do much better than we are doing. For, among other reasons, coconut has several health benefits. The reader may visit the Healthline.com website to see some of the benefits, which space will not allow me to describe here.

Nigeria should not afford to be left behind in the production of coconut. With the NACOPPMAN, the country can realise its dream of actualising coconut sufficiency, thereby utilising its health benefits and leveraging its economic value. Moreover, it is pertinent for the government to provide an enabling environment to attract foreign investors to come into the business. The earlier we wake up, the better.

Amina Rabi’u Bako is of the Faculty of Communication, Bayero University, Kano.

By Zainab Ahmad Dantsoho

Most people believe that one cannot start a business without huge capital, but that is absolutely wrong. So let me first define what capital means according to economics.

Capital is anything that increases one’s ability to generate value. It can be used to increase value across a wide range of categories, such as financial, social, physical, intellectual, etc. In business and economics, the two most common types of capital are financial and human.

But I will like to give my definition because the most neglected is the Human Intellectual faculty.

In the 21st century, capital is the ability of an individual to think using the intellectual capacity to make money in the absence of little or no resources.

I want to stick to my definition because based on analysis, our economic index can be weighed by the standard of living and income expenditures, but I come from the North where according to the average statistics of people living in poverty as of 2020 holds 87% of Nigeria’s poverty rate – World Bank

So, are there resources in the North? Of course, YES! But the problem is intellectual capital.

In a community where people can’t even feed properly and begging seems to be a way out, how do we end poverty in families and our communities? I have asked this question to myself a lot of times.

Our northern community would be great if only our brains can think about starting a business with zero naira or little or no capital. And this makes me think that in the absence of money and basic resources, the only value any society could have is thinking skill because that’s the best way to beat poverty!

Let me take you through my journey of 1 kobo.

At a point in my life, I just decided to start my own business, make money in a halal way, take care of myself, and help the people close to me and my community at large. So I asked myself, “Zainabu, what about the capital? Where will you get the required amount to start the business?” Of course, this immediately came to mind, but then I remembered capital doesn’t necessarily have to be money.

Thus, I started going to some perfume shops, taking pictures and samples of the perfumes, showing friends, advertising on my social media platforms. Then, when someone asks for it, I’ll quickly go back to the shop and get what they wanted while adding a little profit for myself. This continued for months, and I was able to save some money!

So, I realised that the only capital I have in the absence of resources is my intellect, the ability to think and make money. So, these are a few basic things I had my eyes out for when starting my one kobo business.

• Location – Where can I sell this product?
• Demands – Is the product highly consumables, highly used in my environment?
• Standard of living – this is where I have to think critically. Can they afford it? If they can, at what cost, and what’s my profit because nobody wants to start a business losing. It’s a win-win goal.

Then when it comes to branding – since I have no resources and capital of my own, whenever I want to make more profits, I usually meet the producers and negotiate with them. They make it, but then it carries my business name and agrees on percentage without losing anything but gaining. Most traders into cosmetic products typically agree with this since it offers mutual benefits.

Now, let’s talk about mind poverty, also known as mentality poverty. Mentality poverty is not the absence of cash and resources. It’s simply our way of thinking and behavioural pattern.

And I also think our average mentality is poor, and that’s why poverty in African societies seems to be inherited. We have resources, yet we are poor. It’s time to shift from the cash flow method of capital and currency to its intellectual flow because, that way, our community will grow.

If we were to cut down the amount we spend on our phones, clothing, accessories, cosmetics, etc., we would be surprised at how much we will save.

One may wish to know the advantages of this type of business. Don’t stress yourself. I will help you with some basic information.

1.  It empowers you

2. It eradicates poverty

3. It`s easy to access

4. You earn without deposit

5. You can advertise from your home using your social media handles.

If you aren’t on social media, you can do Door to Door, attend events or places where you can meet many people, and take advantage of friends to friends marketing strategies.  Especially for those that don’t go out.

But here are some of the challenges you will face with this type of business:

1. People may want to take credit from you, and you can’t give it out since the items don’t particularly belong to you; for me, it’s even risky giving and selling items on credit.

2. You may need more time and patience to get customers.

3. Sometimes such items may be out of stock, so that means you need to know or keep contact with the store, to what’s available and what’s not available

4. You may need one or more stores to patronise, if you want quick profits and if it’s worth the energy!

My advice to our young entrepreneurs is that we should always avoid perishable goods, except if the areas we live in have a high demand for those particular items.

Lastly, with the way our economic system is currently running, it is still possible to start a business with zero or little income. So don’t wait for significant capital. You can save and think, spend wisely, and Allah will certainly help you.

I hope you will find this article very helpful and join our one kobo community to start your business and get substantial information from us.

Why not make a move and be your boss with zero naira today?

Zainab Ahmad Dantsoho is a graduate of the Federal University, Gusau and an entrepreneur. She writes from Kaura-Namoda Town of Zamfara State. She can be reached at zainabahmaddantsoho@gmail.com.

Dropcap the popularization of the “ideal measure” has led to advice such as “Increase font size for large screens and reduce font size for small screens.” While a good measure does improve the reading experience, it’s only one rule for good typography. Another rule is to maintain a comfortable font size.

Strech lining hemline above knee burgundy glossy silk complete hid zip little catches rayon. Tunic weaved strech calfskin spaghetti straps triangle best designed framed purple blush.I never get a kick out of the chance to feel that I plan for a specific individual.

Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place and supplies it with the necessary regelialia. It is a paradisematic country, in which roasted parts of sentences fly into your mouth.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar. The Big Oxmox advised her not to do so, because there were thousands of bad Commas, wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen.

On her way she met a copy. The copy warned the Little Blind Text, that where it came from it would have been rewritten a thousand times and everything that was left from its origin would be the word “and” and the Little Blind Text should turn around and return to its own, safe country.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. I am alone, and feel the charm of existence in this spot, which was created for the bliss of souls like mine. I am so happy, my dear friend, so absorbed in the exquisite sense of mere tranquil existence, that I neglect my talents.

But nothing the copy said could convince her and so it didn’t take long until a few insidious Copy Writers ambushed her, made her drunk with Longe and Parole and dragged her into their agency, where they abused her for their projects again and again. And if she hasn’t been rewritten, then they are still using her.

Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place and supplies it with the necessary regelialia.

A collection of textile samples lay spread out on the table – Samsa was a travelling salesman – and above it there hung a picture that he had recently cut out of an illustrated magazine and housed in a nice, gilded frame. It showed a lady fitted out with a fur hat and fur boa who sat upright, raising a heavy fur muff that covered the whole of her lower arm towards the viewer.

Gregor then turned to look out the window at the dull weather. Drops of rain could be heard hitting the pane, which made him feel quite sad. “How about if I sleep a little bit longer and forget all this nonsense”, he thought, but that was something he was unable to do because he was used to sleeping on his right, and in his present state couldn’t get into that position. However hard he threw himself onto his right, he always rolled back to where he was.

The will to win, the desire to succeed, the urge to reach your full potential these are the keys that will unlock the door to personal excellence.

One morning, when Gregor Samsa woke from troubled dreams, he found himself transformed in his bed into a horrible vermin. He lay on his armour-like back, and if he lifted his head a little he could see his brown belly, slightly domed and divided by arches into stiff sections.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar. The Big Oxmox advised her not to do so, because there were thousands of bad Commas, wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen.

His room, a proper human room although a little too small, lay peacefully between its four familiar walls. A collection of textile samples lay spread out on the table – Samsa was a travelling salesman – and above it there hung a picture that he had recently cut out of an illustrated magazine and housed in a nice, gilded frame.

It showed a lady fitted out with a fur hat and fur boa who sat upright, raising a heavy fur muff that covered the whole of her lower arm towards the viewer. Gregor then turned to look out the window at the dull weather. Drops of rain could be heard hitting the pane, which made him feel quite sad.

Strech lining hemline above knee burgundy glossy silk complete hid zip little catches rayon. Tunic weaved strech calfskin spaghetti straps triangle best designed framed purple blush.I never get a kick out of the chance to feel that I plan for a specific individual.

Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place and supplies it with the necessary regelialia. It is a paradisematic country, in which roasted parts of sentences fly into your mouth.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar. The Big Oxmox advised her not to do so, because there were thousands of bad Commas, wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen.

On her way she met a copy. The copy warned the Little Blind Text, that where it came from it would have been rewritten a thousand times and everything that was left from its origin would be the word “and” and the Little Blind Text should turn around and return to its own, safe country.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. I am alone, and feel the charm of existence in this spot, which was created for the bliss of souls like mine. I am so happy, my dear friend, so absorbed in the exquisite sense of mere tranquil existence, that I neglect my talents.

But nothing the copy said could convince her and so it didn’t take long until a few insidious Copy Writers ambushed her, made her drunk with Longe and Parole and dragged her into their agency, where they abused her for their projects again and again. And if she hasn’t been rewritten, then they are still using her.

Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place and supplies it with the necessary regelialia.

A collection of textile samples lay spread out on the table – Samsa was a travelling salesman – and above it there hung a picture that he had recently cut out of an illustrated magazine and housed in a nice, gilded frame. It showed a lady fitted out with a fur hat and fur boa who sat upright, raising a heavy fur muff that covered the whole of her lower arm towards the viewer.

Gregor then turned to look out the window at the dull weather. Drops of rain could be heard hitting the pane, which made him feel quite sad. “How about if I sleep a little bit longer and forget all this nonsense”, he thought, but that was something he was unable to do because he was used to sleeping on his right, and in his present state couldn’t get into that position. However hard he threw himself onto his right, he always rolled back to where he was.

The will to win, the desire to succeed, the urge to reach your full potential these are the keys that will unlock the door to personal excellence.

One morning, when Gregor Samsa woke from troubled dreams, he found himself transformed in his bed into a horrible vermin. He lay on his armour-like back, and if he lifted his head a little he could see his brown belly, slightly domed and divided by arches into stiff sections.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar. The Big Oxmox advised her not to do so, because there were thousands of bad Commas, wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen.

His room, a proper human room although a little too small, lay peacefully between its four familiar walls. A collection of textile samples lay spread out on the table – Samsa was a travelling salesman – and above it there hung a picture that he had recently cut out of an illustrated magazine and housed in a nice, gilded frame.

It showed a lady fitted out with a fur hat and fur boa who sat upright, raising a heavy fur muff that covered the whole of her lower arm towards the viewer. Gregor then turned to look out the window at the dull weather. Drops of rain could be heard hitting the pane, which made him feel quite sad.

Dropcap the popularization of the “ideal measure” has led to advice such as “Increase font size for large screens and reduce font size for small screens.” While a good measure does improve the reading experience, it’s only one rule for good typography. Another rule is to maintain a comfortable font size.

Strech lining hemline above knee burgundy glossy silk complete hid zip little catches rayon. Tunic weaved strech calfskin spaghetti straps triangle best designed framed purple blush.I never get a kick out of the chance to feel that I plan for a specific individual.

Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place and supplies it with the necessary regelialia. It is a paradisematic country, in which roasted parts of sentences fly into your mouth.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar. The Big Oxmox advised her not to do so, because there were thousands of bad Commas, wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen.

On her way she met a copy. The copy warned the Little Blind Text, that where it came from it would have been rewritten a thousand times and everything that was left from its origin would be the word “and” and the Little Blind Text should turn around and return to its own, safe country.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. I am alone, and feel the charm of existence in this spot, which was created for the bliss of souls like mine. I am so happy, my dear friend, so absorbed in the exquisite sense of mere tranquil existence, that I neglect my talents.

But nothing the copy said could convince her and so it didn’t take long until a few insidious Copy Writers ambushed her, made her drunk with Longe and Parole and dragged her into their agency, where they abused her for their projects again and again. And if she hasn’t been rewritten, then they are still using her.

Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place and supplies it with the necessary regelialia.

A collection of textile samples lay spread out on the table – Samsa was a travelling salesman – and above it there hung a picture that he had recently cut out of an illustrated magazine and housed in a nice, gilded frame. It showed a lady fitted out with a fur hat and fur boa who sat upright, raising a heavy fur muff that covered the whole of her lower arm towards the viewer.

Gregor then turned to look out the window at the dull weather. Drops of rain could be heard hitting the pane, which made him feel quite sad. “How about if I sleep a little bit longer and forget all this nonsense”, he thought, but that was something he was unable to do because he was used to sleeping on his right, and in his present state couldn’t get into that position. However hard he threw himself onto his right, he always rolled back to where he was.

The will to win, the desire to succeed, the urge to reach your full potential these are the keys that will unlock the door to personal excellence.

One morning, when Gregor Samsa woke from troubled dreams, he found himself transformed in his bed into a horrible vermin. He lay on his armour-like back, and if he lifted his head a little he could see his brown belly, slightly domed and divided by arches into stiff sections.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar. The Big Oxmox advised her not to do so, because there were thousands of bad Commas, wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen.

His room, a proper human room although a little too small, lay peacefully between its four familiar walls. A collection of textile samples lay spread out on the table – Samsa was a travelling salesman – and above it there hung a picture that he had recently cut out of an illustrated magazine and housed in a nice, gilded frame.

It showed a lady fitted out with a fur hat and fur boa who sat upright, raising a heavy fur muff that covered the whole of her lower arm towards the viewer. Gregor then turned to look out the window at the dull weather. Drops of rain could be heard hitting the pane, which made him feel quite sad.

Dropcap the popularization of the “ideal measure” has led to advice such as “Increase font size for large screens and reduce font size for small screens.” While a good measure does improve the reading experience, it’s only one rule for good typography. Another rule is to maintain a comfortable font size.

Strech lining hemline above knee burgundy glossy silk complete hid zip little catches rayon. Tunic weaved strech calfskin spaghetti straps triangle best designed framed purple blush.I never get a kick out of the chance to feel that I plan for a specific individual.

Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place and supplies it with the necessary regelialia. It is a paradisematic country, in which roasted parts of sentences fly into your mouth.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar. The Big Oxmox advised her not to do so, because there were thousands of bad Commas, wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen.

On her way she met a copy. The copy warned the Little Blind Text, that where it came from it would have been rewritten a thousand times and everything that was left from its origin would be the word “and” and the Little Blind Text should turn around and return to its own, safe country.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. I am alone, and feel the charm of existence in this spot, which was created for the bliss of souls like mine. I am so happy, my dear friend, so absorbed in the exquisite sense of mere tranquil existence, that I neglect my talents.

But nothing the copy said could convince her and so it didn’t take long until a few insidious Copy Writers ambushed her, made her drunk with Longe and Parole and dragged her into their agency, where they abused her for their projects again and again. And if she hasn’t been rewritten, then they are still using her.

Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place and supplies it with the necessary regelialia.

A collection of textile samples lay spread out on the table – Samsa was a travelling salesman – and above it there hung a picture that he had recently cut out of an illustrated magazine and housed in a nice, gilded frame. It showed a lady fitted out with a fur hat and fur boa who sat upright, raising a heavy fur muff that covered the whole of her lower arm towards the viewer.

Gregor then turned to look out the window at the dull weather. Drops of rain could be heard hitting the pane, which made him feel quite sad. “How about if I sleep a little bit longer and forget all this nonsense”, he thought, but that was something he was unable to do because he was used to sleeping on his right, and in his present state couldn’t get into that position. However hard he threw himself onto his right, he always rolled back to where he was.

The will to win, the desire to succeed, the urge to reach your full potential these are the keys that will unlock the door to personal excellence.

One morning, when Gregor Samsa woke from troubled dreams, he found himself transformed in his bed into a horrible vermin. He lay on his armour-like back, and if he lifted his head a little he could see his brown belly, slightly domed and divided by arches into stiff sections.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar. The Big Oxmox advised her not to do so, because there were thousands of bad Commas, wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen.

His room, a proper human room although a little too small, lay peacefully between its four familiar walls. A collection of textile samples lay spread out on the table – Samsa was a travelling salesman – and above it there hung a picture that he had recently cut out of an illustrated magazine and housed in a nice, gilded frame.

It showed a lady fitted out with a fur hat and fur boa who sat upright, raising a heavy fur muff that covered the whole of her lower arm towards the viewer. Gregor then turned to look out the window at the dull weather. Drops of rain could be heard hitting the pane, which made him feel quite sad.