Write By: admin Published In: Islamic Banking Created Date: 2015-08-15 Hits: 29265 Comment: 41205


One of the major sins that Judaism, Catholicism, and Islam take seriously is the sin of usury (i.e. taking interest on loans of money). The Torah, Gospel, and Quran are unequivocally clear on this matter: Exodus (22:25), Leviticus (25:25-37), Deuteronomy (23:19-21), Matthew (5:17-18), Luke (6:35), Quran (2:275-280, 3:130, 4:161, 3:39).
Usury, in Islamic Shariah, is defined as money made in excess for no work done or entrepreneurial risk taken. In modern terms: interest. St. Thomas Aquinas compared usury to selling time, and time is not a good or service to be sold.


We know that banks make their money by lending money and collecting interest. That is the whole purpose of commercial banking. An Islamic bank, however, figured out a way to make that money by playing a little game: Instead of lending money and collecting it back with interest, the bank engages in business contracts with the borrowers, for a profit.

Example 1

Samir wants to buy the new Audi A8, selling at $75,000. He can take out a loan from a commercial bank. Samir then owns the car “now,” and pays the loan back in small monthly installments over a period of six years, with an annual interest (may include collateral). When Samir pays the last installment, he will have paid the original $75,000 plus the accumulated interest, totalling up to $100,000. Or…
Samir can go to an Islamic bank. The bank purchases the car for him at full price, and Samir agrees to buy the car from the bank at the new price of $100,000, paying that amount in small monthly installments, interest-free! The ownership of the car is fully transferred to Samir upon paying his last installment. Should he be unable to pay the amount in full, the bank retrieves the car as collateral. Certified Islam refers to this form of transaction as murabaha, meaning profiteering, which is of course 100% halal.

Example 2

Samir wants to start a business (for profit). He goes to a commercial bank and explains his business idea with a detailed plan (including cost and revenue estimates). If the bank approves the feasibility of the project, the bank will give Samir a loan to be paid back, with interest, in installments. Or…
Samir goes to an Islamic bank and explains his business idea with a detailed plan (including cost and revenue estimates). If the Islamic bank approves the feasibility of the project, the Islamic bank will sign an agreement with Samir, in which they establish a partnership, known as Mudaraba (also means profiteering). In this contract, the bank offers the capital, and Samir offers the work. But then both Samir and the bank share the profits (each gets the percentage of the profit agreed upon in the contract).

In the end, both types of banks end up making money without putting any work or risk. A commercial bank calls it interest, while an Islamic bank calls it profit. In fact, the idea was so lucrative that HSBC established an Islamic banking subsidiary, in 2003, known as HSBC Amanah, with their slogan (Commitment to the highest Sharia standards).

This system of Islamic banking was only developed in the mid-twentieth century. In 1973, upon the official declaration of the Muslim countries’ finance ministers’ first conference at the Organization of Islamic Conference (OIC), the first Islamic banks began operations in Jeddah and Egypt (Islamic Development Bank) and Dubai (Dubai Islamic Bank) in 1975. As of 2009, Islamic banks’ assets combined (including Iranian banks who joined the game in 1980) are estimated at 400 billion halal dollars.


Islamic Banking brings to mind the story of The People Of The Sabbath from the Islamic tradition, when a small group of Jews in the coastal village of Ayla on the Red Sea cheated God. According to the story, the fish swam near the shore on Saturdays (Jewish Sabbath), the only day they weren’t allowed to do any work, including fishing. But then on all other days, there was barely any fish in the sea. The majority of these Jewish villagers, the true believers, knew that it was a test from God. Thus, they persevered and continued to observe the Sabbath. But then a small group figured out a smart way to circumvent the Law, without upsetting God: They set up their fishing nets on Fridays, and collected their plentiful catch on Sundays. God’s punishment was severe: the Sabbhat violators were disfigured into apes.



Created By 2018-01-30 17:33:34 Posted By Andreas Comment Link
My battery's about to run out <a href=" ">bactrim ds dosage for sinus infection</a> Zhiwen Zhao and Yixuan Liu met in Beijing before moving to London a few years ago to study
Created By 2018-01-30 17:33:33 Posted By Sherwood Comment Link
I really like swimming <a href=" ">buy alpha lean 7</a> The 25-year-old&#039;s jump put Andrew Considine under pressure when a cross came in from the right-hand side and the loose ball dropped for Lappin to volley home his first St Johnstone goal from 10 yards.
Created By 2018-01-30 16:31:24 Posted By Lester Comment Link
How many days will it take for the cheque to clear? <a href=" ">chocolate shakeology recipes with spinach</a> &ldquo;The underground river has helped make the vegetation grow back quickly, and stronger,&rdquo; he said
Created By 2018-01-30 16:31:24 Posted By Paige Comment Link
Could you ask her to call me? <a href=" ">generic xanax 605 </a> There is also no connection between the woman's record held in the maternity hospital and any records kept on her if she has to attend a general hospital with a health problem resulting from pregnancy or childbirth.
Created By 2018-01-30 16:31:24 Posted By Sidney Comment Link
Enter your PIN <a href=" ">amantadine buy online</a> Alex Foster began See Through, a Glass advertising analytics firm for business, after a venture firm earlier this year withdrew its offer to back his consumer-oriented Glass fitness company when it became clear no big consumer Glass release was imminent.
Created By 2018-01-30 16:31:22 Posted By Ariana Comment Link
Sorry, I ran out of credit <a href=" ">side effects of long term use of robaxin</a> A spokesman for the firm today said: &#8220;Premier Oil UK Limited confirms that, for welfare reasons, the decision has been made to temporarily downman a number of non-essential personnel from the company operated Balmoral FPV (Floating Production Vessel).
Created By 2018-01-30 16:31:22 Posted By Evelyn Comment Link
Very funny pictures <a href=" ">valium 20mg</a> nothing works and worse, nobody cares about it,&rdquo; Managing Director Andy Street was quoted by the Times newspaper as telling a London audience in a dinner speech after his train was delayed from Paris.
Created By 2018-01-30 15:17:31 Posted By Terrence Comment Link
I'll text you later <a href=" ">parkinson disease medications sinemet</a> "It wasn't like Landis went in and said, 'Here, I want to give you this fabulous painting by Picasso and you need to pay me $100,000 for the painting,'" Wittman explains
Created By 2018-01-30 15:17:31 Posted By Isreal Comment Link
I stay at home and look after the children <a href=" ">tricor insurance tomah wi</a> Riyadh, which sees itself as a protector of Sunnis against Shi'ite factions manipulated by an expansionist Iran, has given arms and cash to Syrian rebels fighting President Bashar al-Assad, a member of the Alawite sect close to Shi'ites.
Created By 2018-01-30 15:17:31 Posted By Carmelo Comment Link
I'll call back later <a href=" ">hydrea 500 mg caps</a> Katherine Lindstrom said the device caused a gaping wound on Lu&rsquo;s left thigh and severe injuries to her lower extremities, embedding round pellets, nails, jagged metal and plastic in her body.
Created By 2018-01-30 15:17:30 Posted By Heriberto Comment Link
No, I'm not particularly sporty <a href=" ">buy orange triad canada</a> these numbers of weapons exceed the needs of the current offensive against al Shabaab," the report said
Created By 2018-01-30 15:17:30 Posted By Jewell Comment Link
Could you please repeat that? <a href=" ">buy mandelay</a> Leaving aside the question of how long it will take Russia to craft a new doctrine &mdash; in Russia as elsewhere, such documents often take years to develop&mdash;what we are seeing today is escalation on two fronts
Created By 2018-01-30 14:15:54 Posted By Mia Comment Link
Can you put it on the scales, please? <a href=" ">beverly hills md dark spot corrector video</a> I forgot I even had items that low in value up for sale but looking at my marketplace history I posted them back in june.
Created By 2018-01-30 14:15:54 Posted By Prince Comment Link
The manager <a href=" ">theracurmin hp reviews</a> For France, the deployment is a potent reminder to regional allies of the French commitment to the oil-rich Gulf
Created By 2018-01-30 14:15:53 Posted By Riley Comment Link
I can't stand football <a href=" ">clinical pharmacology valium </a> The haemorrhagic fever was gaining in Nigeria where 18 cases, including 7 deaths, have been reported, three in the oil hub of Port Harcourt
Created By 2018-01-30 14:15:53 Posted By Edgar Comment Link
An accountancy practice <a href=" ">levlen side effects australia</a> The former Democratic mayor, who plans to appeal his conviction, was thrust into the national spotlight in 2005 when Katrina overwhelmed levees and flooded 80 percent of New Orleans, killing 1,500 people and causing some $80 billion in damage.
Created By 2018-01-30 14:15:52 Posted By Marshall Comment Link
I'm interested in this position <a href=" ">testomax results</a> Residents of cities such as Los Angeles, San Francisco and San Jose have been metered for decades
Created By 2018-01-30 13:14:13 Posted By Josue Comment Link
I like watching football <a href=" ">levaquin 750 mg ivpb</a> Park, who had built a reputation as a successful information technology entrepreneur, was thrust into the public spotlight during the disastrous roll out of the Affordable Care Act in the fall of 2013.
Created By 2018-01-30 13:14:12 Posted By Ivory Comment Link
I'd like , please <a href=" ">why take estradiol after ivf transfer </a> It's hard to believe that one or more of the decision-makers failed to foresee a response, and even one far more severe than actually took place.
Created By 2018-01-30 13:14:11 Posted By Ashley Comment Link
I can't stand football <a href=" ">difference between stilnox and valium</a> Much of the violence has pitted the Dinkas, who back Kiir, against the Nuer, who support Machar
Created By 2018-01-30 13:14:11 Posted By Bruce Comment Link
Do you need a work permit? <a href=" ">question where to buy provacyl</a> Given his success as historical villain turned hero playing Thomas Cromwell in the televised serial Wolf Hall, it must be only a matter of time before television offers him a part in a revisionist dramatisation of Richard III&#x2019;s life.
Created By 2018-01-30 13:14:10 Posted By Jared Comment Link
History <a href=" ">valium after methamphetamine</a> Commenting on the findings, Minister for Children, Dr James Reilly, said that the findings in relation to low birth weight and smoking during pregnancy &lsquo;emphasise that child health promotion begins even before birth'.
Created By 2018-01-30 12:12:07 Posted By Carmen Comment Link
I really like swimming <a href=" ">buy fire caps expressions</a> "Along with the traumatic experience he had been through, to see his whole family massacred and everything compounded, unfortunately he did not survive." The main factor in Max&#039;s death was probably the cow&#039;s milk - the only kindness he had received during his ordeal in the village.
Created By 2018-01-30 12:12:06 Posted By Damian Comment Link
Where do you live? <a href=" ">embova rx support</a> The statement did not make clear who would attend the talks or give an exact date
Created By 2018-01-30 12:12:06 Posted By Dominic Comment Link
Have you got any qualifications? <a href=" ">trimspa original formula</a> Where is the fairness, we ask, for the shift-worker, leaving home in the dark hours of the early morning, who looks in through the windows of 11 Downing Street to see children as young as seven eating Coco Pops they&#x2019;ve done nothing to earn?
Created By 2018-01-30 12:12:06 Posted By Garry Comment Link
I'd like some euros <a href=" ">buy avodart 0.5mg tab</a> dollar, continuing a recentdownturn in the greenback that followed a more than 20 percentrally in the currency against major trading partners sincemid-2014
Created By 2018-01-30 12:12:05 Posted By Davis Comment Link
Photography <a href=" ">buy tricor</a> The same words that came out of my mouth on radio still go through my brain, and I have to edit out 90 percent of it
Created By 2018-01-30 11:11:08 Posted By Arianna Comment Link
We went to university together <a href=" ">drugs similar to prednisone</a> Bloomberg News dug up an email, released by the hackers, that shows Sony Pictures was pitched with a $7 billion financing offer from a group possibly tied to Middle East royalty
Created By 2018-01-30 11:11:07 Posted By Agustin Comment Link
Where do you live? <a href=" ">zofran lawsuit michigan</a> She said organizers in South Korea attempted to coerce her into having breast augmentation surgery, but she refused.
Created By 2018-01-30 11:11:07 Posted By Jeremiah Comment Link
Another year <a href=" ">cheap caverta</a> It is estimated that around 2,000 people in the UK are active followers of Jediism
Created By 2018-01-30 11:11:06 Posted By Gobiz Comment Link
Wonderfull great site <a href=" ">furacin soluble dressing krem nedir</a> Stanford has an automotive research center that collaborates with many of the major manufacturers
Created By 2018-01-30 11:11:06 Posted By Dwain Comment Link
It's OK <a href=" ">omnitrition reviews 2014</a> economy on Wednesday, giving guidance suggesting it will &ldquo;be patient in beginning to normalize the stance of monetary policy.&rdquo; It is widely expected that the Fed will initiate an increase in historically low interest rates sometime in 2015, and in doing so will test a generation of lawmakers and policymakers who have never governed during a time of rising rates.
Created By 2018-01-30 10:09:23 Posted By Elvis Comment Link
Who would I report to? <a href=" ">buy arthrem online nz</a> Many this year were able to issue at levels not seensince the financial crisis, with the iTraxx Senior Financialsindex starting the year at 87bp but now at 50bp using the samecontract series.
Created By 2018-01-30 10:09:23 Posted By Brenton Comment Link
I'm only getting an answering machine <a href=" ">ondansetron 4mg tab sunglasses</a> Roy Rickhuss, chairman of the union coordinating committee, said:&ldquo;Tata Steel&rsquo;s decision to close the British Steel Pension Scheme is unnecessary and profoundly disappointing
Created By 2018-01-30 10:09:23 Posted By Razer22 Comment Link
Could you give me some smaller notes? <a href=" ">estrace cream apply</a> The economic stimulus measures adopted by China to confront the international financial crisis had boosted economic growth, but they also brought excess capacity, environmental pollution, and the growth of local government debt along with other problems, Lou said
Created By 2018-01-30 10:09:22 Posted By Dudley Comment Link
Whereabouts are you from? <a href=" ">provigil after brain injury</a> The Bon Secours Hospital is holding a free and interactive educational seminar on varicose veins next month
Created By 2018-01-30 10:09:22 Posted By Numbers Comment Link
I'd like to pay this cheque in, please <a href=" ">pt inr levels on coumadin</a> Unemployment in some eastern towns is above 12 percent, pay is lower and opinion polls suggest easterners are unhappier than westerners
Created By 2018-01-30 09:06:57 Posted By Herschel Comment Link
Punk not dead <a href=" ">pure organic ceylon cinnamon pills</a> The most common setting for abuse among callers was within the family (45%), followed by the community (27%)
Created By 2018-01-30 09:06:57 Posted By Melvin Comment Link
What line of work are you in? <a href=" ">ovation cell therapy ulta</a> Among the most shocking of the report&rsquo;s dozens of allegations is the incidence of &ldquo;&rdquo;sex parties&rsquo; with prostitutes funded by the local drug cartels for DEA agents at their government-leased quarters, over a period of several years.&rdquo;
Created By 2018-01-30 09:06:56 Posted By Lesley Comment Link
There's a three month trial period <a href=" ">ultra boost uncaged black and grey</a> "If the earlier start date (2017) wins and there isagreement to transfer backloaded (removed) permits straight intothe reserve, then I would expect a significant price hike," onetrader said, speaking on condition of anonymity.
Created By 2018-01-30 09:06:56 Posted By Ferdinand Comment Link
One moment, please <a href=" ">heiress 11 velvet black</a> &#x201c;UKAR mortgage servicing capabilities have been successful in delivering value over the past four-and-a- half years and now is the right time to explore the best way of utilising the considerable skills of our people,&#x201d; a spokesman said
Created By 2018-01-30 09:06:56 Posted By Marcelo Comment Link
In a meeting <a href=" ">can i overdose on provigil</a> They&rsquo;re not going to let us get along and I don&rsquo;t want to do exactly the same thing
Created By 2018-01-30 08:28:28 Posted By casino games aol games free casino casino online loc us casino online for fun casino casino Comment Link
casino games aol games free casino casino online loc us casino online for fun casino casino
Created By 2018-01-30 08:01:21 Posted By Lynwood Comment Link
We work together <a href=" ">buy levonorgestrel pill</a> The WHO has not issued any estimate of cases or deaths in the country since Sept 5 and its Director-General Margaret Chan has said there is not a single bed available for Ebola patients there.
Created By 2018-01-30 08:01:20 Posted By Vernon Comment Link
I can't get a dialling tone <a href=" ">teamine eye complex amazon</a> Some 2,500 people are newly diagnosed with bowel (colorectal) cancer in Ireland every year and around 1,000 people die from it annually, making it the second most common cause of cancer death in Ireland.
Created By 2018-01-30 08:01:20 Posted By Florentino Comment Link
Yes, I love it! <a href=" ">sterling silver citrine rings on ebay</a> Last season the Ducks lost to the one team in the Pac-12 that most resembles the Spartans, Stanford
Created By 2018-01-30 08:01:19 Posted By Johnathon Comment Link
What do you want to do when you've finished? <a href=" ">lowering coumadin levels</a> Saudi fighter pilots are bombing IS while the normally cautious Saudi state machine is trumpeting it
Created By 2018-01-30 08:01:18 Posted By Bennie Comment Link
I do some voluntary work <a href=" ">cheapest provigil online</a> Microsoft was threatened with heavy fines if it did not properly implement and maintain the ballot
Created By 2018-01-30 06:54:39 Posted By Raymon Comment Link
Nice to meet you <a href=" ">buy pukka tea nz</a> In New York, he won a 1998 Drama Desk Award for "Art," which also got him his first Tony nomination
Created By 2018-01-30 06:54:38 Posted By Johnathon Comment Link
The National Gallery <a href=" ">ambien side effects memory</a> Miller had made a typically aggressive run and was in the lead among the early starters after completing two-thirds of the course before he hooked his left arm in a gate and was sent tumbling across snow.
Created By 2018-01-30 06:54:38 Posted By Fermin Comment Link
Is it convenient to talk at the moment? <a href=" ">buy radiant glancer magazines</a> Exor, which also controls car maker Fiat Chrysler , paid $625 million for a 71.5 percent stake in Cushman& Wakefield in 2007
Created By 2018-01-30 06:54:37 Posted By Delmer Comment Link
I'm happy very good site <a href=" ">ethinylestradiol levonorgestrel mylan tegen acne</a> Sales at 1.4 billion euros last year are down from 1.6 billion a decade ago, with customer numbers at 1.2 million, down from 1.7 million.
Created By 2018-01-30 06:54:37 Posted By Teddy Comment Link
Where's the postbox? <a href=" ">organic ceylon cinnamon powder australia</a> "The results remained robust even after controlling for obesity and physical activity," they add, "which are often the focus of diabetes risk prevention, suggesting that work factors affecting health behaviors and stress may need to be addressed as part of diabetes prevention."
Created By 2018-01-30 05:49:41 Posted By Ulysses Comment Link
I'm a partner in <a href=" ">vitamin d blood test range</a> The face of the much-discussed libertarian moment, he was presented as a new type of Republican, one who would support marriage equality and marijuana legalization, who would advocate smaller government abroad as well as at home
Created By 2018-01-30 05:49:40 Posted By Dustin Comment Link
Will I get travelling expenses? <a href=" ">1285 muscle extreme contact info </a> With regulators driving up costs, rivals offering cheaper investment strategies, and a desire from asset managers to boost the marketing potential of their successful funds, the active stock fund sector is set for long overdue consolidation.
Created By 2018-01-30 05:49:40 Posted By Maria Comment Link
I want to report a <a href=" ">meclizine dosage over the counter</a> They found that heavy drinkers had about a 34% higher risk of stroke compared to light drinkers
Created By 2018-01-30 05:49:40 Posted By Clemente Comment Link
We need someone with experience <a href=" ">efek samping valium</a> Experts said it was the first time American food processors have gone to trial on federal charges in a food-poisoning case
Created By 2018-01-30 05:49:39 Posted By Freelife Comment Link
The National Gallery <a href=" ">bulgarian tribulus terrestris capsules review</a> So, playing in relative shadows down on Tobacco Road was this group, which actually might have more one-and-dones than John Calipari says goodbye to in the Bluegrass State this year
Created By 2018-01-30 04:45:01 Posted By Isreal Comment Link
this is be cool 8) <a href=" ">enlast cream price in pakistan</a> SIR &ndash; The maximum number of tiles that can be laid in a Scrabble turn is seven
Created By 2018-01-30 04:45:00 Posted By Keven Comment Link
We were at school together <a href=" ">viprosta uk</a> The list includes biotech firms Ambrx Inc, GeNO LLC and Dimerix Bioscience Ltd and home-building products maker Associated Materials Group Inc.
Created By 2018-01-30 04:44:59 Posted By Donovan Comment Link
Can I take your number? <a href=" ">what does a 10 milligram valium look like</a> "It may be that being overweight as a child is directly linked to a higher risk of developing this cancer in later life
Created By 2018-01-30 04:44:59 Posted By Richard Comment Link
Insert your card <a href=" ">buy vermox australia</a> "They [Ofcom] are right to be concerned that BT could abuse its position to undermine competition in superfast broadband
Created By 2018-01-30 04:44:59 Posted By Allen Comment Link
A packet of envelopes <a href=" ">xanax mylan 1 mg</a> light crude exports would be exchanged for imports of heavy crude oil, the preferred crude for U.S
Created By 2018-01-30 03:40:17 Posted By Janni Comment Link
Pleased to meet you <a href=" ">amaryl m2 forte uses</a> The court's decision to hear the case was welcomed by Sam Kazman, general counsel of the Competitive Enterprise Institute, a libertarian think tank that is funding the litigation.
Created By 2018-01-30 03:40:17 Posted By Brady Comment Link
I can't get a dialling tone <a href=" ">ramipril drug side effects</a> "Air pollution should be considered one of the major modifiable risk factors to prevent and manage cardiovascular disease
Created By 2018-01-30 03:40:17 Posted By Ahmed Comment Link
What company are you calling from? <a href=" ">xanax for order</a> In an unforgiving economy where every dollar counts, the University&rsquo;s cost of attendance is the exception to the sticker-shock tuition prevalent today
Created By 2018-01-30 03:40:16 Posted By Oswaldo Comment Link
An estate agents <a href=" ">antabuse recommended dose</a> The company's operating profit in October-December rose to 31.8 billion yen from 21.7 billion yen a year earlier
Created By 2018-01-30 03:40:16 Posted By Caden Comment Link
Very funny pictures <a href=" ">orange triad greens forum</a> Up until now this was a disease of older people, now we are seeing more cases in young people," she warned.
Created By 2018-01-30 02:35:36 Posted By Edgardo Comment Link
I'd like to speak to someone about a mortgage <a href=" ">hydrea for sickle cell</a> "We urge the government of Sri Lanka to ensure that vote counting is carried out credibly and transparently and that any allegation of fraud or violence is credibly investigated," she told a regular news briefing.
Created By 2018-01-30 02:35:36 Posted By Kenton Comment Link
Do you need a work permit? <a href=" ">order san alpha impact factory</a> The grapefruit juice used for the other groups of mice was sweetened with artificial sweeteners because apparently mice do not like grapefruit juice
Created By 2018-01-30 02:35:36 Posted By Terry Comment Link
Is there ? <a href=" ">melatonin tablets and alcohol</a> Spanish conservative paperLa Razon reprinted Charlie's October cover on its front page, inwhich Mohammad is seen on his knees at knife point, andheadlined the cartoon with "We are all Charlie Hebdo".
Created By 2018-01-30 02:35:35 Posted By Frank Comment Link
I didn't go to university <a href=" ">bactrim forte dosage for uti</a> It&rsquo;s not easy to reinvent the wheel, and the wheel may be the best thing for the job at hand.
Created By 2018-01-30 02:35:35 Posted By Rosario Comment Link
Children with disabilities <a href=" ">pay fixation on promotion as per 6th cpc</a> Having first called 15 years ago for transforming the disused trestle into a linear, aerial park, we at the Daily News Editorial Board took a mighty satisfied walk with High Line founders Joshua David and Robert Hammond.
Created By 2018-01-30 01:30:10 Posted By Billy Comment Link
How long are you planning to stay here? <a href=" ">zofran pregnancy category australia</a> Next Sunday's election - the first to parliament since the "Euromaidan" winter protests overthrew the Moscow-backed Viktor Yanukovich and set in train a geopolitical crisis around Ukraine - takes place amid confrontation with Russia and a separatist war that has killed more than 3,700 people.
Created By 2018-01-30 01:30:10 Posted By Terence Comment Link
I like watching TV <a href=" ">en cuanto tiempo hace efecto valium</a> The challenge to the national headquarters was laid down by the Boy Scouts' Greater New York Councils, which announced the hiring of Pascal Tessier, an 18-year-old Eagle Scout
Created By 2018-01-30 01:30:09 Posted By Patrick Comment Link
Until August <a href=" ">trazodone withdrawal symptoms dog</a> &ldquo;We want to make sure we create a calm and safe environment for [health officials] to do their work &mdash; that&rsquo;s our primary focus
Created By 2018-01-30 01:30:09 Posted By Frederick Comment Link
Through friends <a href=" ">rigiderm cream reviews</a> It was launched in 2008 and has 46 ongoing projects, some of which are focused on specific health issues such as Alzheimer&rsquo;s disease, cancer and obesity
Created By 2018-01-30 01:30:08 Posted By Malcom Comment Link
Whereabouts in are you from? <a href=" ">goldreallas 500 mg reviews</a> The News asked nine of these ex-Gothamites to share their stories about why they'd left and what they'd gained by leaving
Created By 2018-01-30 00:24:16 Posted By Homer Comment Link
I'd like a phonecard, please <a href=" ">prazosin hcl used for ptsd</a> Such cracks are unsightly, of course, and can allow water and insects to infiltrate and lead to more significant damage over time
Created By 2018-01-30 00:24:15 Posted By Preston Comment Link
Could you tell me the number for ? <a href=" ">gmc duramax trucks for sale in texas</a> &ldquo;Bulk collection violates the First and Fourth Amendments -- and it doesn't matter which 3-three letter agency is running the bulk collection program.&rdquo;
Created By 2018-01-30 00:24:15 Posted By Tommy Comment Link
I've just started at <a href=" ">aspire 3690 drivers xp </a> For example, we do not believe in making pictures and statues of Christ &mdash; not even on the cross.&#8221;
Created By 2018-01-30 00:24:14 Posted By Rashad Comment Link
Could I have an application form? <a href=" ">where can i buy nizoral shampoo in singapore</a> Faten Nabeel Al-Zaben of the Faculty of Medicine at King Abdulaziz University in Jeddah, Saudi Arabia, and a colleague studied 65 children ages seven to 13 years old who wet their beds, and 40 healthy children without a bedwetting problem as a comparison group.
Created By 2018-01-30 00:24:14 Posted By Steve Comment Link
Did you go to university? <a href=" ">anabolic freak amazon</a> During the visit, the students and 4-H representatives will have the opportunity to meet with NASA scientists and engineers, take guided tours of the center, as well as build their own &ldquo;Rockets to the Rescue&rdquo; rocket with NASA Education Specialists, then launch them with the NASA Houston Rocket Club.
Created By 2018-01-29 23:19:06 Posted By Cortez Comment Link
I work for myself <a href=" ">lacura caviar illumination night cream review</a> "All the victims were on the ground or sitting and thoseseriously injured were trying their best to breathe," emergencyworker Patrick Hertgen said
Created By 2018-01-29 23:19:05 Posted By Warren Comment Link
No, I'm not particularly sporty <a href=" ">valium intravenous sedation</a> "There is a point, and we are approaching that point rightnow in Chicago during winter, when you can't handle all thebusiness
Created By 2018-01-29 23:19:05 Posted By Barrett Comment Link
Could I have , please? <a href=" ">metronidazole or tinidazole side effects </a> During the 2014-15 campaign, Baker collected a handful of national honors after averaging 14.7 points, 4.5 rebounds, 2.5 assists, 1.3 steals and just under a block per game
Created By 2018-01-29 23:19:05 Posted By Jewel Comment Link
A Second Class stamp <a href=" ">max thermo burn australia</a> For example, one tablespoon of tomato ketchup contains around one teaspoon of free sugars.
Created By 2018-01-29 23:19:04 Posted By Javier Comment Link
I'm on business <a href=" ">allergic symptoms to valium</a> Director Ryan Gosling poses on the red carpet as he arrives for the screening of the film ''Lost River'' in competition for the category ''Un Certain Regard'' at the 67th Cannes Film Festival in Cannes May 20, 2014.
Created By 2018-01-29 22:14:10 Posted By Cletus Comment Link
Through friends <a href=" ">viberect x3 uk</a> In a sign of new panic in the British ruling elite over thefate of the 307-year-old union, Cameron and opposition leader EdMiliband scrapped their weekly question-and-answer session inparliament to speak at separate events in Scotland.
Created By 2018-01-29 22:14:10 Posted By Infest Comment Link
An estate agents <a href=" ">buy nutrathin hoodia xpfa</a> Their beleaguered offense began prepping for Sunday&rsquo;s home opener against the Arizona Cardinals still searching for its personality, still battling for rhythm and still struggling to do simple things, such as getting the ball into the hands of playmaker Victor Cruz.
Created By 2018-01-29 22:14:10 Posted By Quinton Comment Link
Languages <a href=" ">hardazan plus user review</a> The original prototype of the Oculus Rift headset was unveiled in 2012 and has received considerable attention from film and video game makers
Created By 2018-01-29 22:14:09 Posted By Kayla Comment Link
How many weeks' holiday a year are there? <a href=" ">buy kangaroo skin melbourne</a> The MPs cite recent research which found that for the most inactive people, walking for 20 minutes a day would have a greater positive impact than not being obese.
Created By 2018-01-29 22:14:09 Posted By Amber Comment Link
I'm afraid that number's ex-directory <a href=" ">replenix all-trans-retinol smoothing serum 5x</a> The UK is in the middle of a painful readjustment, to which a substantial part of its workforce is adapting by just getting on with it
Created By 2018-01-29 21:09:47 Posted By Odell Comment Link
Do you play any instruments? <a href=" ">detrol la 2mg capsule</a> Trousdale joined the Swiss bank in 2003 and also served as aformer co-head of the media and telecoms M&A group
Created By 2018-01-29 21:09:46 Posted By Pablo Comment Link
This site is crazy :) <a href=" ">places to buy valium</a> Mr Nadella himself is no stranger to cloud computing - he previously ran Microsoft&#039;s division for several years
Created By 2018-01-29 21:09:45 Posted By Camila Comment Link
I'd like to open a personal account <a href=" ">adidas ultra boost triple black 2.0</a> No doubt Goodell would finish with the most votes and Rice would get the fewest even though he committed the crime
Created By 2018-01-29 21:09:44 Posted By Galen Comment Link
How much notice do you have to give? <a href=" ">does valium calm anxiety</a> Beyonc&eacute;&rsquo;s daughter Blue Ivy cheered on as she accepted the Village Vanguard award after performing songs from her latest album
Created By 2018-01-29 21:09:43 Posted By Spencer Comment Link
We used to work together <a href=" ">junisse modern skin care and rejuviderme anti-aging cream</a> There are the obvious constitutional reasons for this, but here's another: Iran is likely to cheat on any deal
Created By 2018-01-29 20:05:37 Posted By Leopoldo Comment Link
What qualifications have you got? <a href=" ">order eyevecting</a> Suleimane was transferred to a Maltese refugee camp within a week, and says he bought a forged German ID in the name of Daniel Fischer for 180 euros (230 dollars)
Created By 2018-01-29 20:05:35 Posted By Lazaro Comment Link
I'm in my first year at university <a href=" ">cheap prednisone online</a> Monday&rsquo;s report recommends that &ldquo;local authorities should be required to work together across city regions or counties to plan for new housing in the least environmentally-damaging locations, prioritising the reuse of brownfield land where it is not of high biodiversity value&rdquo;.

Leave A Comment