Archive for the ‘Uncategorized’ Category

Self Help Tips For Treating Gambling Addiction

Friday, June 12th, 2020

Addiction in any form is dreadful and addiction of gambling is an obsessive-compulsive disorder. Gambling occasionally can be enjoyable, but prolonged interest in it, can turn into an obsession, compelling the gambler to gamble continuously, irrespective of whether he wins. Gambling addiction takes a toll on the addict’s finances and affects him socially, psychologically and physically. It devastates the gambler’s life and has serious consequences on family and friends. 918kiss

How does gambling addiction start

People generally resort to gambling for various reasons, like curiosity, trying once and winning and getting hooked, but mostly gambling addiction is the escape route from personal relationship problems or any past or current failure in life. The simplest way someone gets addicted is to try once or twice, and with beginner’s luck, he wins, but after that he starts losing. In an effort to gain back the entire money, the gambler goes on playing, till he is left with nothing. Addicts do not hesitate to beg, borrow or steal money to continue their routine of gambling.

This situation must be tackled before it moves beyond control, but the most difficult task is to locate and identify an addict. An addict gambler is very smart to hide his characteristic traits. However, one symptom can give them away – they always try to sneak around, lie about their whereabouts and ask people to lend money.

Self-help for treating gambling addiction – What are the options?

The first step in curing gambling addiction is to confess in the presence of someone else. The presence of someone close would help the addict remain motivated to his efforts. This is the most difficult step as one who can admit that he is an addict, is half way through the curing process because most addicts shy away due to the fear of social rejection.

After the admission, the addict must avoid visiting the places where he gambles, like casinos and clubs. If he is addicted to online gambling then he must remove all sites from the computer. The next step is to engage in some fruitful activity that distracts the addict from gambling, like taking a walk, or visiting a gym.

Following natural therapies are better and safer than trying some kind of medicine, because all medicines have side effects and runs the risk of creating drug dependency. Gambling addicts can also join gambling anonymous support forums, where they can see others like them, trying to get rid of this dangerous habit.

Another step towards a better life can be self-hypnosis. An addict can either get a hypnotist / hypnotherapist, or buy a CD of self-hypnosis, or use a mix of the two methods. A hypnotist will not only hypnotize, but listen to his problems and identify the reasons for gambling and state a solution. However, if this option is not possible to avail for someone, self – hypnosis CDs is a good option too. Remember, getting rid of gambling addiction is an ongoing battle that an addict has to continue fighting unless chances of relapses end completely.

Thing To Keep In Mind About Used Metal Roofs

Thursday, June 11th, 2020

Whenever someone buys a secondhand building, there needs to be repair work done. The building is assessed by the buyer before buying it that how much of this repair work is to be done but หลังคาเมทัลชีท  the assessment about the roof is a tricky job to do. It certainly is an important task but require some guidelines that are discussed below.

Some Guidelines to Check Used Metal Roof Condition

It is the roofs that are beaten up by the extreme weather conditions as it receives all the harshness first-hand and it has no escape from it. Therefore used roofs are always bound to be damaged. As we are talking about the metal, rust is the first thing that damages a metal. Metal roofs are tough but when it comes to rust, it eventually finds a way to inflict the damage to the roof. Vented ridges can be used in metal roofs to prevent the blockage of water in the roof so that rust can not be created.

Assessment of the whole roof is impossible for a house or building-owner to conduct himself completely, hence the assessment should be left to the professionals so that it can be decided that how much repair work is to be done.

Getting the Damaged things Changed

Once the assessment about the damage is done, now to get your damaged metal sheets of the roofs to be replaced by the new ones is not a big deal and can be done by the home or building owner themselves with a little help from someone. The replacement of the damaged parts depends solely on the roof condition therefore this process will take the time accordingly. Now that the repair and replacement is done, it is important to protect the roof from future wear and tear. For this purpose anti-corrosive metal paint should be coated around the metal of the desired color to get the desired new look. If the assessment results in a high damage of the roof, then the work should be left for the professionals because they may want to rip the whole roof open in order to repair it properly.


Dog Houses – Securing Them Against the Weather

Thursday, June 11th, 2020

It has been a year of natural disasters so far, and it seems that Mother Nature may have more in store. With that in mind, you need to think about what needs to be done to prepare not only your house for any type of natural disaster, but also the things you may put in your yard, like dog houses and such.

If you have dogs that live outdoors all the time, you probably have dog houses for them to use, as a place to stay dry in the rain, stay cool in the sun, and stay warm when it’s cold out. But what thought have you given to natural disasters and how those buildings would fare? Here are a few things you should keep in mind. รับสร้างบ้าน


This year we have seen an unusual amount of flooding. Some of it has been from hurricanes; other floods have been from odd and unexpected storms that have popped up in the middle of the country. No matter where you are, there could be a flood and once a flood warning is up, you only have a matter of time until the waters will appear.

So, what type of precautions have you taken to keep your dog houses safe during this type of emergency? Are they at ground level? If so, you need to get them off the ground. If you build the houses a few feet off the ground you know your dog will be able to stay dry if there is a lot of water in your yard.


If you are in earthquake country, you know the kind of shaking and rolling that can happen with a good tremor. While people often think about what will happen to their houses in an earthquake, you should also consider your dog houses. The same shaking that will be impacting your home will be impacting theirs.

Most people build houses for their pets off the ground by one to two feet so if there is rain, the dog can stay dry. While this is a good idea for rainy season how you boost the house could be a problem in an earthquake.

It is vital that whatever support structure you have is solid and the house is attached to it, otherwise, it could shift off its base and crash to the ground injuring your pets inside.


Another weather problem that could impact your dog’s houses is wind. Many storms have strong gusts of winds or even strong constant wind blowing that could damage their home.

Make sure your pet house has been put together well. You want it to have solid construction so a gust of wind doesn’t blow out one side of the house and injure your pet.

The 6 Best Beaches in Turkey That You Should Never Miss to Visit

Wednesday, June 10th, 2020

The sunny Turkey is home to a extraordinary number of brilliant seashores. To have a tremendous holiday here, you need not must be always bound to the hyper famous and therefore too crowded all-inclusive resorts. Instead you could pick the Turkey seashores which have been desirable visitors for lengthy. Let’s take a glance beyond the overly touristic seashores of Marmaris and Kusadasi inns and monitor Turkey’s different pinnacle destinations for sunbathing, swimming or surfing.


Pantara is positioned in Xanthos Valley. It has pleasant, white sand and a total duration of 15 km. This makes it one of the longest Mediterranean beach strands. The entrance region is properly crowded, but if you cross beyond the dune area within the northwest you may enjoy more solitude. The summer time has appropriate waves for browsing, even as autumn and spring are perfect for swimmers. property in turkey

The Butterfly Valley

This extraordinary place bordered by using tall cliffs hides a pristine sand strap that may be reached with the aid of boat from Oludeniz. It is a wild area for trekkers and campers, untouched by modern developments. If you live in Faralya, you may gaze down on the magnificent rock formation.


Kabak is the call of a village that is located at the Lycian Way. Tourists love its snug timber huts and the general tranquility of the area. The valley has lush pine forests, functions bits of mountainous comfort and the seashore is as a substitute packed with pebbles than with sand. The panorama is thus very exclusive from the usual sandy beaches of Turkey and really spell binding. The only drawback is the large mosquito populace.


Situated in Dalyan, this might be the high-quality beach to bring your youngsters to. It is an all-sunny spot where massive crowds gather. Also, it’s miles an area for turtles to nest. On this sandy seaside you’ll often come across turtle tracks, as those animals come ashore to put their eggs. Beyond the beach, there may be a marshy region which hosts a rich wildlife.


Frequently photographed, the seaside in Oludeniz is a long sandy strap that leads to a superb blue lagoon. Besides the herbal beauty of the place, the seashore is also well-known because of the numerous and less costly accommodation inside the vicinity. Para-crusing enthusiasts locate Oludeniz the quality spot to practice. They are thrilled with the aerial perspectives.


A well known name to tourists, Bodrum is at the Turquoise Coast, because it’s referred to as. The south of the peninsula in the Aegean Sea is home to numerous resorts with lovable beaches, all bordered by means of the bright blue sea waters. Moreover, Bodrum is a place of ancient history, of lovely mountain perspectives and Mediterranean flora. It is a desired vacation spot for the wealthy traffic and hence one of the luxurious regions on Turkey’s touristic map.

About the Bitcoin Market

Wednesday, June 10th, 2020

For the ones now not familiar with what bitcoin is; it is largely a digital currency for which no banking machine or maybe a central authority is wanted. Open supply software program is used to perform the transactions. Many humans are making an investment money in the bitcoin marketplace due to the fact ever since it became delivered in 2009, it has emerge as extremely famous among investors and buyers. Even many traders have started out to just accept bitcoins. For example, you may buy a web web hosting service or even order a pizza with your digital currency.

When you are trading within the bitcoin marketplace, you may change anonymously. The foreign money is not tied to any particular united states of america and there are even no guidelines designed for it. Even small businesses are using bitcoins because there is no transaction fee worried within the change. If you have a few financial savings, you can make investments that money to buy bitcoins and to benefit earnings because the value of this digital currency is predicted to head up.

The marketplace places wherein digital currencies are exchanged are called bitcoin exchanges. They are the places wherein people purchase and promote bitcoins through the usage of the currencies in their respective international locations. You certainly need a pockets software program, open an account, after which purchase bitcoins from the money you have got to your account so one can grow to be ready for the exchanges. People are even moving virtual currencies thru their Smartphones. There are mobile apps to be had for this cause. You can either purchase bitcoins from online exchanges or get them from special ATMs.

Mining is any other choice used within the digital currency marketplace. It is a process wherein investors should resolve mathematical puzzles to win bitcoins. It’s a tough and time taking process, however in case you get it proper then you will win 25 bitcoins. This can just manifest in 10 minutes.

Once you are into the buying and selling game, you may get to shop your virtual currencies in a virtual wallet. It can be your virtual financial institution account wherein you will store all your bitcoins. It is not essential for you to reveal your call whilst you’re replacing bitcoins. You will trade with your bitcoin ID. It is meant to make sure privacy of the transactions. So, you could purchase or promote anything and nobody can hint your transaction. The virtual currency transactions are demonstrated through cryptography. It is a sequence of mathematical algorithms, that could handiest be solved by effective computing. That is what secures the gadget. So trading within the bitcoin marketplace is solely secure and prison.

The device and the market itself have ideal control on how a lot bitcoins are being created. The system adjusts itself through making the mathematical issues difficult to clear up and subsequently, most effective particular amount of bitcoins are offered.

Permanent Stainless Steel Art (4) – Stainless Steel Jewelry

Wednesday, June 10th, 2020

Stainless Steel Jewelry(S/S Jewelry) has the added gain of being a extra rugged alloy than gold or silver as it is nearly indestructible. S/S Jewelry is naturally hypo-allergic.

Stainless steel jewelry’s rise to reputation and recognition isn’t always without a doubt unexpected; more often than not due to the fee distinction between S/S Jewelry and a whole lot of the alternative rings kinds which might be offered in dominant marketplace percentage positions nowadays. visit:-

There isn’t any doubting in these days for proudly owning a chunk of stainless steel jewelry is simply in fashion, and it does now not appear to make any distinction which part of the arena it is, S/S Jewelry has end up a big hit in many countries, the pursuing for this fashion is customary. Stainless metallic jewelry is inexpensive than gold jewelry and it’s miles maximum genuinely inexpensive than silver jewelry, so what you’ll locate in the end is that the stainless-steel jewelry has become so famous first and major as it offers a cheaper opportunity to materials which can be already set in the marketplace such as gold and silver.

More so than that however, what makes S/S Jewelry the new silver is that it appears to have impacted society in the same manner that silver earrings did when it was firstly brought. It was once that a chunk of silver jewelry was gawked over the whole evening by way of buddies and loved ones, but now what humans are finding is that their stainless steel jewelry pieces are starting to get hold of the same interest! For example, a relative is probably so amazed that the jewelry piece is in reality made of S/S that they want to observe it similarly. People have encountered this at parties when they put on S/S Jewelry and the give up result appears to be that having chrome steel rings is now a status image; just like silver has been all alongside.

S/S Jewelry is the selection of absolutely everyone and from teens that desire to make a fashion assertion to adults who want some thing special to appearance extra appealing, there may be an awful lot to be stated in prefer of jewellery and chrome steel rings isn’t an exception even though it does not use silver or diamonds or even gold in it. The gain to using S/S rings is that it isn’t as highly-priced as those made from treasured metals and hence its recognition has grown of overdue.

Stainless steel earrings lets in you to make use of a completely essential belongings of S/S and that is its versatility, this means that that it suits exceptional needs of different folks who may also need their earrings to do for them various things. Thus, in which diamond, gold and silver jewelry is best useful for searching showy and plated rings lacks in being an adornment a good way to look true and steeply-priced, S/S Jewelry is something that is useful below all situations and consequently has more software and so will make for a completely suitable gift as nicely.

Whether stainless-steel rings replaces silver is truly to be debated, but the warning signs is actually that the replacement state of affairs is a sturdy opportunity; something that might make S/S Jewelry the new silver. Once you’ve got determined on proudly owning stainless-steel rings or want to gift it to someone you may right now comprehend that this form of jewelry does not require a great deal preservation as is the case with the treasured metallic earrings portions which require frequent sprucing, and there may be additionally absolute confidence of smudging this specific shape of jewelry. Now, once you understand the shortage of renovation wishes and non-smudging traits of S/S Jewelry you can present it to others sure that you are not burdening the recipient with something to be able to cause them inconvenience.

Another motive why stainless steel rings makes for an ideal present that could match special occasions is that it’s far excellent when it comes to put on and tear of the jewelry. When considering earrings crafted from treasured metals, there may be constantly the lurking fear of over the use of the jewelry, which due to the fact S/S is an alloy and therefore very durable is not the case with chrome steel earrings. Thus, while you present S/S Jewelry you may make sure that the recipient can put on it each time the preference arises and there’s no worry in regards to ruining it both.

Finally, the cost of S/S Jewelry is such that you can have the funds for it and since it does now not cost as an awful lot as gold or silver, it way you may put on it at any time while not having to worry about the effects and consequently you get greater pride from owning it. All that you want to do is exchange your mindset and get used to this novel type of earrings this is truely indestructible and that’s carefully made thru carving of metallic into any type of design, and which does not tarnish either consequently making it

Gambling Addiction and Alcohol – A Toxic Combination

Tuesday, June 9th, 2020

When an individual has a gambling addiction and drinks alcohol as well, this can be a huge problem. This is especially true when a person with a gambling addiction is drinking while actively gambling.

Why do you think the gambling casinos in many parts of the country give out free alcoholic beverages. Do you think they are doing it just to be generous? I do not think so. The owners of these casinos know what they are doing as they are in business to make money..not give away free alcohol. Slotxo

If you are actively drinking and getting a buzz off of alcohol, you will be more likely to spend more money as you are feeling good from your initial drinking behavior. The more you drink, the more money you may spend. The casino owners know this quite well and take full advantage of this.

For a recreational gambler with a budget, having a couple of drinks at the casino on a Saturday night is no big deal. However, for the individual with the gambling problem, this combination can be very costly (no pun intended).

Because alcohol is a depressant and can significantly impair judgment, alcohol is no friend to the compulsive gambler. An individual with a gambling problem can lose thousands of dollars while sitting in front of a slot machine, high on both gambling and alcohol.

If you have even the slightest signs of a gambling addiction, it is not a wise idea to drink alcohol while you are at the casino. You will truly gamble away a lot more money than you expected, just because of the effects of the alcohol on your judgment.

Be smart, and if you do make a decision to gamble, keep your alcohol to a minimum. If you do believe that you have a gambling problem, get help for yourself as soon as possible.

You should not be in or near a casino whatsoever if you have a gambling addiction. Gambling addiction can harm your life significantly if not treated.


Top 7 Advantages of Offshore Online Gambling

Tuesday, June 9th, 2020

No matter how objective you are there are many advantages to offshore online gambling. If you are an avid sports fan, or casino game player, or love the horse races and have been trying to find a place to do your betting, look no further than the search engine on your computer. Although you should perform your own due diligence in finding an offshore online gambling site that is both reputable and customer service oriented, Best Sports Gambling Site Reviews and Best Casino Site Reviews have taken much of the leg work out by selecting the best gambling sites in the industry. These review sites have been around for several years now, and they deliver honest sports gambling and casino sites which offer the best odds that you can trust. Below are seven reasons why you should look offshore for your next bet. Pussy888

No state-to-state wagering restrictions. You can bet at any gambling site offshore. States are still fighting over what can and what can’t happen in their jurisdictions and how revenue should be divided up. Until you understand state-to-state implications you had better play offshore.Bonuses. Offshore online gambling sites have incredible volume. Recently more customers are joining because of sign up bonuses, re-deposit bonuses, and referral bonuses. One of the most important advantages to wagering offshore is that the bonus will motivate you to try their services providing the gambler a distinct advantage over the house.

No fees for gambling. Offshore gambling sites do not have parking, do not have municipalities and don’t have expensive autotote machines. They want your wagers and will not charge you for placing them.Safe, secure, and confidential. Offshore online gambling does not require you to leave your house, uses the same encryption technology as the large banks online, and have no incentive or obligation to share your data with the government or others.

No taxes. Offshore online gambling sites operate on a no-tax or tax-holiday basis. This is reflected directly in the fact that you are not obligated to report or pay taxes by your offshore gambling site.

Wagering Options. Offshore online gambling sites often offer sports, casino, horse racing and other wagering options with the same account. The best offshore wagering companies offer every bet that the track, the simulcast facility, and Las Vegas have to offer and they offer head-to-head match ups. You can even bet just about anything and everything from the stock market to who will win at the Academy Awards.

The hours of operation are flexible. Because of the Internet, offshore betting companies now have the ability to bring the action right into a gambler’s home 24-hours a day, 365-days a year. When comparing the differences between legal offshore online gambling sites, like the ones featured in the gambling review sites mentioned in this article, and the run-of-the-mill bookie is like night and day. The general manager or other management people are available for you to talk to. They have enough clerks and supervisors working during the busy periods and the online betting capability doesn’t bog down close to game time.


Types of Online Casino Bonuses

Friday, June 5th, 2020

One of the best reasons that players take to online gambling is the idea of enjoying casino bonuses. While traditional land-based casino perks such as free drinks and meals obviously cannot fit into the world of internet gaming, wagering websites still manage to attract and reward customers by offering them lucrative bonuses.

Online players can be forgiven for getting slightly confused about all the different bonuses and promotions available in the industry. After all, the hype and marketing campaigns surrounding the different kinds of bonuses are enough to 918kiss make anyone question exactly what type they should take advantage of and how much they will benefit from a certain promotion. For that reason, it is absolutely imperative that gamblers have a clear understanding of the different kinds available and make informed, educated decisions regarding their choices.

Welcome Bonuses

Welcome bonuses are exactly as their name implies – a bonus that welcomes players to a particular online casino. Welcome (or ‘sign-up’ bonuses) are the online casino’s way to attract players onto their site and try their casino. With so many online casinos out there, it is important that welcome bonuses manage to catch the player’s eye with more-than-generous offers and conditions. Many times, players may feel that the offer is TOO good to be true; however, it is certainly worth checking out every promotion as most sites genuinely are offering great terms simply for players to try out their casinos. There are several types of welcome bonuses, the two most common being a match bonus and a no-deposit bonus.

A match bonus means that the online casino will match the player’s first deposit by a certain percentage, usually up to a certain amount of money. So, for example, if a site offers a 100% match bonus up to $100, the player needs to deposit up to $100 and will automatically be rewarded with another $100 (or 100% of the initial deposit) to spend at their gaming sessions. This is a great way of doubling one’s playing time at the online casino and therefore putting oneself in line to win more.

A no-deposit bonus is an incredibly lucrative deal that is not offered at all sites. Simply put, players do not have to make any initial deposit at the site after registering. Instead, they will automatically be rewarded with credits to start their gaming session. As with all bonuses, it is important that players read the terms and conditions of these type of promotions carefully.

Monthly Bonuses

Once players have tried a particular online casino with the use of the welcome bonuses and enjoy the games and features, the chances are that they will continue playing at the casino over a length of time. To make sure that players actually do come back for more, sites reward returning customers with generous monthly bonuses – so called because they are usually offered on a monthly basis. These bonuses are also known as reload bonuses because they kick in when players reload their accounts at the online casino. The monthly bonus is usually awarded on a percentage basis, for example 20% of the amount that player spends funding his or her account.

High-Roller Bonuses

Obviously, online casinos are keen to attract players who invest large amounts on their online gaming entertainment. As such, these players, known as high rollers, are rewarded extra amounts for depositing and playing at online casinos. High rollers also enjoy unique promotions, VIP clubs and other perks to make their stay as rewarding and worthwhile as possible.

Tips For Credit Card Security Management

Wednesday, June 3rd, 2020

As the era of electronic communications became the integral part of everyone’s life we more often tend to use its advantages and unfortunately underestimate threats. Internet enabled almost unlimited knowledge exchange which is totally uncensored. Fraud schemes are the essential part of this knowledge shared also. The simplest thing is that “acquirers” (in banking terminology “acquirers” mean those who accept credit cards as payment method) are mostly unable to give the 100% transaction security. Before charging your card for something you buy (having breakfast in the cafe, paying any Internet services, buying house, taking cash from ATM) the signal has to reach the “emitter” (the bank which emitted the card you’re using) in order to check whether you have enough money on your balance. Unfortunately this signal goes through networks which cannot be properly controlled this means that anyone can get access to it and use it to his own purposes.

Of course this signal is encrypted but as I’ve written above “… everything can be cracked”, it’s just a matter of time. The first thing you should remember is that nowadays it’s much easier to steal electronic money from your card rather then cash from your pocket. I don’t want to write the carding-promo article, so I suggest you simply get it on faith (“carding” means illegal cards related activity). Every time you use the credit card you’re often risking the some sum of money that is not yours. I’m talking about risking the credit line you’ve received from a bank. If your card is stolen, the credit line is stolen too. Consider that when you use your card on shady Internet sites or external ATMs. So, the only thing which can really reduce the risk of cards usage is your own discipline and some easy tips.

Tip 1 Don’t save your money on the credit card you use on the public sites or external ATMs. As you don’t keep your savings in the purse you’re carrying with you all the time, never keep all the money on the credit card you’re regularly using for everyday payments. Simply keep the necessary sum on balance to provide you with the money you need for everyday purposes. If you open several cards in one bank, the money transfers between them are often free of charge.

Tip 2 Open separate card for Internet payments. Just keep there the sum for certain payments. Always define the sum you’re keeping there to be affordable to loose. You should understand that Internet is public and it’s the most dangerous environment for the card-holders. To charge your card it is necessary to have card number, “active till” date, your name, CVV code. So don’t give this data to anyone asking except the situation you’re filling the card form while buying something. Always check the address line of the page which contains the card-data form. The address must begin from “https://” (protected connection) and the domain name must be the same the main page has. Of course, these requirements are impossible to be always met, but you should double your attention while using your card on such sites. Never follow the links leading to the pages asking to fill in your card data, password, login etc, if you’ve received it via e-mail or found on the pop-up window. Don’t even tell the sites you’re using to the persons you don’t know personally. Scammers often fake the messages from such sites, asking to re-enter your card data or something similar.

Tip 3 It’s much safer to use ATMs located inside the bank branches or near them. The most risky are those ATMs which face the street (so called “external” ATMs), there are also no visible security cameras and street lamps. Scammers often use such ATMs to make the card copies. Before inserting the card into the ATM, check for suspicious devices near it. Skimming devices are often made to be considered as a part of the ATM for not to attract victim’s attention. You can notice something suspicious if you’re cautious enough.

Tip 4 Never throw away the ATM receipts or any other documents which contain the data about your transaction. Keep them in secure place or throw them away at home if they’re really useless. NEVER do it near the ATM or bank branch you’ve made the transaction in. A lot of scammers check the bins near branches and external ATMs to find something to help them in fraud schemes.

Tip 5 Always keep your presence while using your card in POS-terminals. It takes a few seconds to make the card copy or simply write down your card data (card number, name, CVV, expiry date). So, keep an eye on your card while the waiter/salesman makes the transaction

Tip 6 Don’t let anyone see your PIN-code, because it’s almost impossible to contest the operation claimed to be fraud which was made with using the PIN. You’re the only person the scammer may learn your PIN from.

Tip 7 “Scammers hunt the card balances, not cards itself” Don’t let anyone learn your card balance. Scammers don’t risk stealing the card which has a couple of cents on it. If the scammer learns your balance and finds it worth risking, consider your card already stolen. It’s just a matter of time. So, if you suspect someone you don’t trust, has learned your card balance, close your card ASAP and open another one transferring all the money on it.

These are the simplest tips to follow if you want to minimize the risks taken while making your credit card everyday transactions. These tips are taken from my own experience when I’ve been working in the fraud investigations division in commercial bank.