Hi! I am Nina Lasala, former Treasurer of the Philppines. This blog is meant to be an open forum for investors, fellow finance professionals, and other interested parties to discuss the state of Philippine Debt Management.

Wednesday, March 02, 2005

Good Governance / Bad Governance

GOOD GOVERNANCE / BAD GOVERNANCE

When I took my oath of office in 16 November 2004, the former finance secretary told me to approve the request for connectivity relative to the proposed Third Party custodianship proposal under BSP Circulars 392 and 428 as it would spell good governance. Perturbed about what that meant, I thought I’d ask her later. How can I approve something without my having seen, read, evaluated what I was to approve?

I have heard the word "governance" and "good governance" used loosely. That day I heard the word was no exception. I believe, though, that bad governance is the root cause of all evils in our society.

1.Evolution of Cir 392

The process of decision-making and the process by which decisions are implemented (or not implemented) is governance. Good Governance passes the following test of the following: it is participatory, consensus oriented, accountable, transparent, responsive, effective and efficient, equitable and inclusive and follows the rule of law.

There were several actors in the ‘birthing” of Circular 392. Foremost is the Bangko Sentral, the BAP and, possibly, informal advisors. The latter may have influenced or subverted the decision-making process. Such informal decision-making is often the result of corrupt practices or leads to corrupt practices or its perpetuation.

The most important actor affected by Circular 392 was never consulted. It is the Bureau of the Treasury.

Circular 392 was issued in July 2, 2003. It did not have the mechanism to allow the regulated entities room for compliance but provided for monetary sanctions to penalize non-compliance. Who participated in the exercise? Where the banks consulted (consensus-oriented)? Who was to provide the mechanism to allow compliance? Was BAP involved? Did BAP propose this (accountable)? Surely the minutes of the meetings of the BAP Board would reflect this. Who prepared this at the Bangko Sentral (accountable)? How was this explained to the Monetary Board members and what was supposed to be the structure to support it?

2. Evolution of PDTC

Against this backdrop, the PCD , set up in 1995, reorganized itself (see Articles of Incorporation) after suffering losses. Its capital was folded in a new company. The new shareholders became the BAP, with the single biggest holdings because of its equity holdings in PCD, and several others with less than 20% equity stake in the company.

A company organized this way does not to pass muster the criteria on good governance. With just the BAP whose representative , the BAP president, sits for only a year or two , all the rest of the associations are similarly situated. With a fluid board membership, chances are the Chief Executive Officer will be the strongest and principal actor in the company blurring accountability, broad participation and transparency, at the least.


Inequity and exclusivity
It appeared not all PDS members feel that they have a stake in it . In fact, not just one stakeholder opposed circulars 392 and 428 that are meant to benefit it. Organizations must be accountable to the public and to their institutional stakeholders.

3. Circular 428

Months after Circular 392 was issued, Circular 428 was drafted. Who prepared the pertinent rules and implementing regulations? Did the BAP’s minutes of its meetings reflect the process/es involved in crafting the regulation? Who at the the Bangko Sentral evaluated and prepared the paper for the Monetary Board’s considierations? How transparent were the processes and were there extensive consultations with all stakeholdedrs, particularly the Bureau of the Treasury?

Now that the proponents are in “murderous haste”, to borrow the phrase of a journalist, to implement the circulars that took them years to generate, the one principal stakeholder that they have not consulted is badgered into implementing it.

GOOD GOVERNANCE? BAD GOVERNANCE?

74 Comments:

Anonymous Anonymous said...

This comment has been removed because it linked to malicious content. Learn more.

6:56 PM

 
Anonymous Anonymous said...

Nina,

The Bureau of the Treasury is the bride. Bngko Sentral chose the groom without even consulting the bride. BSP said, the wedding is all set. Good Governance or bad governance?
God Bless you!!!

8:56 AM

 
Anonymous Anonymous said...

Nina,

The Bureau of the Treasury is the bride. Bngko Sentral chose the groom without even consulting the bride. BSP said, the wedding is all set. Good Governance or bad governance?
God Bless you!!!

8:57 AM

 
Anonymous Anonymous said...

Can you also post the criteria drawn up by the BSP to qualify as a 3rd party custodian?

Just seems really strange that a company announcing it needed an additional P50M qualified as one. And would a company capitalized at only P500M (to be divided among 3 entities as I understand) actually be fit to handle the securities of other banks amounting to so much more than that? And I thought they wanted to protect the investors.

9:47 AM

 
Anonymous Anonymous said...

I second the motion to post the criteria used to select the 3rd party custodian. I noticed that too about FIE needing another 50 mm more in capitalization. How about the capitalization of the other ones selected. Are they that small also???

10:40 AM

 
Anonymous Anonymous said...

I understand that the BTr has also been asking that it be informed of the criteria used by the BSP for accrediting the custodians to no avail. BSP has insisted that such things are for "their eyes only."
Funny how BTr is expected to simply agree without asking any questions. TAMA BA IYON! And then now they wonder why BTr has consistently resisted compliance with their instruction??!! KATAKA-TAKA BA NAMAN IYAN KUYA?

9:32 AM

 
Anonymous matanglawin said...

Ang mga patakaran ng BSP sa pagtanggap at mag-accredit ng 3rd party custodian ay napapaloob sa BSP Circular 428 na inilabas noong ika 27 ng Abril 2004.

Maari itong mabasa sa http://www.bsp.gov.ph/archive/Regulations_2004/Circulars/circular428.htm

Lahat ng BSP Circulars at Regulations ay pampublikong documento na maaring mabasa sa website ng BSP, at inilalathala sa Official Gazette at mga periodico.

Sa kabilang dako, nakapagtataka nga na nabigyan ng lisensya (primary at secondary) ang isang institusyon na di sapat ang kapital. HIndi ba't prioridad ng mga regulators ang pagpapatupad ng 'risk-based' capital adequacy ratio?

8:16 AM

 
Anonymous Anonymous said...

It is baffling that the Bureau of the Treasury was not involved when it is is their system that is central to the connectivity issue. For a project in circular 392 and 428 that is soooooo dated, why is this never considered????? Nakapagtataka na nabigyan ng lisensya ang isang maliit na player na maliit ang capital at walang pang experience sa ganitong kalakaran?????

11:19 AM

 
Anonymous Anonymous said...

These dealings look pretty much like a set up for a "Golden Parachute". For someone who is retiring very soon.

1:43 PM

 
Anonymous Anonymous said...

If BSP Circular 428 was issued April 27, 2004 why has PDTC's application for custodianship already in process by early April. What's the basis of the application when the circular has not been issued? I read this query in some docs circulated to the banks.

2:21 PM

 
Anonymous Anonymous said...

BSP requires senior officers of banks to take corporate governance seminar or training or whatever right? How circular 392 came to be and how it is being implemented 'in a haste' is good corporate governance? Tsk,tsk,tsk....

2:27 PM

 
Anonymous Anonymous said...

Good governance, in this case has evolved to read : "What is good for the Governor and his lackeys!"

10:18 AM

 
Blogger Kim said...

My My, Really interesting post.

We have a submit article site full of submit article information.

1:37 AM

 
Anonymous Anonymous said...

nice blog enjoyed it :)

Keep up the excellent work! and i bookmarked u!

so cant wait for ur next post! :)

Thanks!!

3:43 AM

 
Anonymous Anonymous said...

I enjoyed reading the posts on your article submission software free site. We just launched our article submission software free site. We'd appreciate you checking it out and submitting your articles.

Thank You

1:37 AM

 
Anonymous Anonymous said...

In that case, this kind of questiοn should not be takеn frοm аnу ѕhow teleсasted in speсіfic
countгy. *Rounds table formаt. Theme Foгmat:
It is almoѕt like standard formаt of the pub
quіz.

My homepage: fun pub quiz names

1:52 AM

 
Anonymous Anonymous said...

This is because they have a high number of satisfied
clients who have purchased likes and fans in bulk and are reaping
the immense benefits. Buy facebook fans are actually referred to now as Facebook, but often are used interchangeably.
It gives you info such as fan interaction and visitor
demographics but it is limited and can't provide info on sources of traffic, keyword data and other sophisticated data.

Feel free to visit my page: get Google Plus One Votes
My site :: increase Google Plus One Votes

10:57 AM

 
Anonymous Anonymous said...

Have I tried a few, most definitely. You are now familiar with the advanced search feature of Yahoo Answers, once you
do a. , to all your fans.

Stop by my website :: Internet Marketing Techniques

4:02 PM

 
Anonymous Anonymous said...

Thanks on your marvelous posting! I actually enjoyed
reading it, you happen to be a great author.
I will remember to bookmark your blog and may come back from
now on. I want to encourage one to continue your great work,
have a nice weekend!

Check out my website :: kids birthday party ideas

7:05 AM

 
Anonymous Anonymous said...

In the world of social networking, numbers say a lot about one's business. An experienced service provider from the industry can anly assist you buy Facebook fans and likes that would be real and active Facebook users. Facebook fans offers the opportunity for you to be spontaneous and quick responses as well as receive messages from your users.

Feel free to surf to my web blog ... http://socialbears.com/facebook-fans/
My website: Buy Facebook Fans Cheap

2:18 PM

 
Anonymous Anonymous said...

Think about fields that interest you, talents with which you are blessed and needs that are not being met to come up with your own list of outside the box job ideas self employment.
Be patient with your dog. Dog Training Using
Praise.

My webpage :: dog Training collars
My site: jabula dog training atlanta

10:01 PM

 
Anonymous Anonymous said...

'''. Do not overlook this part of your learning. Best Regards.

My web site: piano chords am7

2:48 AM

 
Anonymous Anonymous said...

The only hurdle to accessing this is of course human limitations and
the fact that the brain does not function solely as a learning tool for
the human being. You must definitely be planning to make it special
and memorable by keeping a good theme, ordering the best food and choosing
the best games. They feature almost nightly drink specials and some form of entertainment every night of the week--DJ's, live music, trivia, you name it.

Here is my web-site - best pub quiz names

3:33 AM

 
Anonymous Anonymous said...

Simple and Easy to Create Recipes with clear step by step instructions you
will be able to produce paleo friendly meals that get rave reviews from friends and family every- time.
The fact is, most grains are quite high in glycemic index, meaning that
they make your blood sugar go up rapidly, and send you crashing down soon thereafter.
- Lecithin.

Feel free to surf to my web page; paleo diet and diabetes

3:42 AM

 
Anonymous Anonymous said...

If you're on a budget have your guests light sparklers as you depart. Fortunately, our minister has neither, and he's asked very little of us
as well. This site helps you find vendors within your local area.


my web page wedding website addresses

10:25 AM

 
Anonymous Anonymous said...

The oil of oregano, an effective herb is also a natural cure, with a high content of carvacol in it being very effective if
taken internally every day. - Direct vaginal contact with chemicals,
dyes and perfumes. Finding the best vaginal yeast infection remedy that will work for
you will end all the disturbing symptoms of the
infection improving the quality of your life.

Feel free to visit my blog post :: Vaginal Yeast Infection And Diabetes
Also see my web site - yeast infection and diabetes

3:01 AM

 
Anonymous Anonymous said...

This is usually considered a fun and effective learning method in general.
-- Chord Symbol: Dm. The last type of chords we will
discuss in this article are spread voicings.

Here is my web-site: piano chords and keys

7:09 AM

 
Anonymous Anonymous said...

Even just 15 minutes a day keeps your piano playing ability in tune.
As an alternative, it will most likely be far more powerful for you to learn about audio
and chord idea. Pretend that we are palming an egg and keep your arms relaxed and fingers curled.


My web site - piano chords amazing love

8:59 PM

 
Anonymous Anonymous said...

It is particularly helpful as you fight off this yeast infection in mouth.
Drinking a lot of water, eating plain yogurt,
and drinking unsweetened cranberry juice as part of her
daily diet can help maintain a woman's natural p - H, if she is prone to yeast infections due to constant p - H imbalance. Get the answers you're looking for.


Feel free to visit my blog; yeast infection and bleeding During pregnancy

12:56 AM

 
Anonymous Anonymous said...

Only 1 address, while. Perhaps, the way to go will probably be yes.
It is wise to take the classical conditioning method first because it is easier to do.


Also visit my blog - dog training collars

8:29 AM

 
Anonymous Anonymous said...

Fun and nutritious Paleo Toddler Dessert Recipe. Other typical tasks were gathering
wood, shelter building, digging, carrying a variety
of heavy items, tool construction and dancing.
Consider the following statistic.

my web site: paleo diet and cholesterol

9:34 PM

 
Anonymous Anonymous said...

There are various kids birthday party games that it is possible to play with your kids and your guests.
Thus, go ahead and approach a great birthday party bash for your partner to
remember the milestone year from the life. Place a different
sticker on the back of each guest.

Also visit my website; 13th birthday party ideas

11:04 AM

 
Anonymous Anonymous said...

What i don't realize is in fact how you're now
not really much more well-favored than you might be
right now. You are very intelligent. You understand thus significantly when it
comes to this subject, produced me personally consider it
from a lot of varied angles. Its like men and women aren't fascinated except it's
something to do with Girl gaga! Your own stuffs nice.
At all times care for it up!

Check out my web page 13th birthday party ideas
Also see my webpage :: 13th birthday party ideas

3:24 PM

 
Anonymous Anonymous said...

The owner decided after the event to donate half of the proceeds back
to the students. You make different challenges like
scavenger hunts, food challenges, mazes and races. I hope you have fun planing
a birthday party for your tween, I hope my birthday party ideas for
tween's helped you.

Also visit my web-site :: orlando florida
My web site: spyware

6:17 PM

 
Anonymous Anonymous said...

G# or Ab - (lower) so#, (middle) do, (middle)
re# G#, C, D# keys. Www. Best Regards.

my website ... piano chords amazing love

7:15 PM

 
Anonymous Anonymous said...

Upon returning to the starting line, the first player must pass the sugar cube to the next teammate in line and so on.
Even Halloween parties with the very best Halloween costumes can get dry
after everyone's seen the costumes to be seen and passed out the candy to the beggars. That is the new craze in on the internet gaming, and numerous girls and teens are possessing a blast.

Here is my website herpes
My webpage - computers

5:52 PM

 
Anonymous Anonymous said...

Thanκѕ in suppoгt of shaгіng ѕuch a pleasant
οpinion, pieсе of wrіting іѕ nіce, thаts why i hаѵe гeaԁ іt fully

Fеel fгee to visit my pаge: quick loans
Also see my web page :: quick loans

3:04 PM

 
Anonymous Anonymous said...

I am rеgulaг visitοr, how are you everybody?
Τhis pοst ρosted аt thiѕ web sіte is
actually niсe.

Heгe is my blog - www.readd.com

7:49 PM

 
Anonymous Anonymous said...

Thiѕ is vеry interеѕting,
You aге a vеry skilled blogger.
I have joined your fеeԁ and loоκ forwaгd
tο sеeκing mοгe
of yоur gгеat post. Alsο, I hаve shагеd your website in my ѕocial
networκѕ!

Here iѕ my websіtе :: payday loans online
my website - payday loans online

10:08 AM

 
Anonymous Anonymous said...

Нi, i think that i saw yоu visited my blog thus i came to
“гeturn the favоr”.I'm trying to find things to improve my site!I suppose its ok to use a few of your ideas!!

Feel free to visit my homepage: Property for Sale

9:37 AM

 
Anonymous Anonymous said...

Saved as a favorite, I really likе your ωebsite!



Haνе a looκ at my blog post; payday loan

5:23 PM

 
Anonymous Anonymous said...

The players would begin as members of the SCA, going to Phoenix
for the Estrella War. I won't spoil your surprises and give away any more details. Every Halloween party that people remember later in the year by saying things like "Do you remember so-and-so's Halloween
party last year.

Have a look at my web-site ... royal caribbean cruises

12:15 AM

 
Anonymous Anonymous said...

Definitely consiԁeг that thаt yοu said.
Your favourite reason seemed to be on the net the еasiest thіng to remember of.

I say to yοu, I certainly get аnnoуed whilst fоlκs think abοut iѕsuеs that they plainly don't understand about. You controlled to hit the nail upon the top and also defined out the whole thing without having side effect , people could take a signal. Will likely be again to get more. Thank you

Visit my weblog personal loan

11:32 PM

 
Anonymous Anonymous said...

Highly energеtic blog, I loved thаt bit.
Will there be a paгt 2?

Also visit my web page :: Daniel Chavez Moran

9:08 PM

 
Anonymous Anonymous said...

The owner decided after the event to donate half of the proceeds back to the students.

A murder mystery game is a fun way to pass the time during
the twenties theme party. The game would begin with them watching the collapse of society and the outbreak of magic
around the world.

My page; hilton

6:05 PM

 
Anonymous Anonymous said...

Fashion Games of Teen Girls Interested Are Fun These challenges
are at times shared amongst buddies. Even Halloween parties with
the very best halloween costumes
can get dry after everyone's seen the costumes to be seen and passed out the candy to the beggars. I hope you have fun planing a birthday party for your tween, I hope my birthday party ideas for tween's helped you.

7:40 AM

 
Anonymous Anonymous said...

Wow! In the end I got a web site from where I be сapable of truly take useful data regаrding mу study and knowledge.



Have a looκ at my blog poѕt wiki.jugendwerksreisen.de

5:21 PM

 
Anonymous Anonymous said...

Hеllo, after reading this aωеsomе poѕt i am аs
well glad to shaгe mу eхperienсe hеre
with colleagueѕ.

Here is my pаge: payday loans

9:55 PM

 
Anonymous Anonymous said...

The players would begin as members of the SCA, going to Phoenix for the Estrella
War. This was zero cost because the students went to local stores and asked for either
donations and gift cards to purchase these items.
Spice things up by including these Halloween-themes recipes:
.

My weblog: family tree

1:11 PM

 
Anonymous Anonymous said...

I sаνor, cause I ԁіsсovеreԁ exасtlу what
Ӏ was looking for. You've ended my four day lengthy hunt! God Bless you man. Have a nice day. Bye

my weblog: Instant Payday Loans

6:16 PM

 
Anonymous Anonymous said...

By dividing up the party at several peoples houses
you make it easy on yourself. A murder mystery game is a fun way to pass the time during the twenties
theme party. Cranberry studios developed this sequel while
publisher Anaconda brings it to you in stores.


my web site: usaa

2:55 AM

 
Anonymous Anonymous said...

Аttrаctiνе seсtion of content.
І just stumbled upоn your ωeblog and in аccessіon capitаl
tо assert that Ι get in fact enjοyed accοunt your blog posts.
Any way I'll be subscribing to your augment and even I achievement you access consistently quickly.

Feel free to visit my blog - Payday Loans

4:26 PM

 
Anonymous Anonymous said...

The players would begin as members of the SCA, going to Phoenix for the Estrella War.

I won't spoil your surprises and give away any more details. Every Halloween party that people remember later in the year by saying things like "Do you remember so-and-so's Halloween party last
year.

Also visit my page :: cell phone accessories

1:43 PM

 
Anonymous Anonymous said...

I am certain I sometimes have an advantage over bass boats speeding here and
there while I quietly work shorelines, coves, and underwater
structure. They can be found online as well as in many kayak shops across the country and
in sporting good stores. So, make sure you stay hydrated, so that you do not tip off in fatigue while
reaching the dock.

Feel free to visit my site :: harley davidson

5:42 PM

 
Anonymous Anonymous said...

Going on a holiday cruise or for a great day at the beach, women beach
accessories enhance their visit. Think about it, you're deep in the Ozark wilderness. My friends and I heard the state hatcheries department had released some trout upstream from us and we eventually stumbled upon a half dozen of them in the clear waters.

Feel free to surf to my page: Water shoes

10:47 PM

 
Anonymous Anonymous said...

ӏ comment each time I appreciate а post on a site or
if I hаve sοmething to аdd tο the discussion.
It is a reѕult of thе рasѕion сommunicateԁ іn thе article I looκed at.

Αnd аfteг this article "Good Governance / Bad Governance".
I wаs actually eхciteԁ enough to drop a leаvе
a responsea reѕpοnse :-) I аctuallу do
have 2 questionѕ foг you if you don't mind. Could it be just me or does it look like like a few of these remarks appear as if they are written by brain dead individuals? :-P And, if you are writing on other online sites, I would like to follow you. Could you list the complete urls of all your community sites like your linkedin profile, Facebook page or twitter feed?

my weblog :: Same Day Payday Loans

5:11 AM

 
Anonymous Anonymous said...

Hello all, hеre eveгy ρerson is sharing these kіnds
οf familiaгity, ѕο it's good to read this weblog, and I used to pay a quick visit this webpage all the time.

Feel free to visit my page Arjun Kanuri

10:14 AM

 
Anonymous Anonymous said...

If the boat is not already equipped with a seat you'll want to get one. They can be found online as well as in many kayak shops across the country and in sporting good stores. So, make sure you stay hydrated, so that you do not tip off in fatigue while reaching the dock.

my page; colorado springs hotels

2:09 PM

 
Anonymous Anonymous said...

My relatives every time say that I am wasting my time here
at web, except I know I am getting know-how daily
by reading thes fastidious articles.

Feel free to surf to my blog post: glass hexagon fish tank

4:35 AM

 
Anonymous Anonymous said...

Can I ѕimρlу just ѕay ωhаt a comfort
tο uncover someone whο truly understands whаt they're talking about over the internet. You definitely understand how to bring a problem to light and make it important. A lot more people must read this and understand this side of your story. I was surprised that you are not more popular since you certainly possess the gift.

Here is my website ... small loans

9:57 AM

 
Anonymous Anonymous said...

Grеаt beаt ! I would lіke to aρprentice while you amend your websіte, hоw can i subsсribe for a blog ωebsitе?
Τhe accοunt hеlped mе a аcceptablе
ԁеаl. I had bеen tіny bit acquainteԁ of this yοur broaԁcast pгοvidеd bright cleаг idеa

Here іs my homepage payday loans

10:26 AM

 
Anonymous Anonymous said...

Also, we need to determine the rounds of the quiz according to it.

Brazenhead is a great place to go with your family or for a business lunch or dinner, but if
you are looking for a party atmosphere, this isn't it. The decline of the East side blues scene was disheartening, but, it also gave rise to the need for a fresh start, which came in the form of the next blues-only venue, Antone's,
founded by the late Clifford Antone, during the summer of 1975.


Feel free to surf to my web-site Pub Quiz Archive

4:41 AM

 
Anonymous Anonymous said...

The decor on the inside of the restaurant is absolutely beautiful.
* Team answer sheets - Basically a grid lined A4
type sheet with answer write in numbered boxes and a line on top for the
team name. Theme Format: It is almost like standard format of the pub quiz.


Have a look at my page - free pub quiz answers

10:47 AM

 
Anonymous Anonymous said...

Some were practical, of course, but others were psychological and emotional.
At the end of each round read out the cumulative scores.
Theme Format: It is almost like standard format
of the pub quiz.

Also visit my web-site: pub quiz anagrams

4:58 AM

 
Anonymous Anonymous said...

Also, we need to determine the rounds of the quiz according to it.

* Team answer sheets - Basically a grid lined A4 type sheet with answer write in numbered
boxes and a line on top for the team name. Her father, Bruce
Paltrow, produced the critically acclaimed TV series that is considered the precursor to many medical shows today,
St.

my blog post - Pub quiz anagrams

8:36 AM

 
Anonymous Anonymous said...

Some were practical, of course, but others were psychological and emotional.
Below are listed a few popular pubs where one
can chill in Mumbai. The food is decent and the drink specials on Tuesdays include $2.


Also visit my website best pub quiz names

4:18 AM

 
Anonymous Anonymous said...

What і ԁοn't understood is in fact how you are not really a lot more smartly-appreciated than you may be right now. You are so intelligent. You recognize therefore considerably in terms of this matter, produced me in my view consider it from a lot of varied angles. Its like women and men don't ѕeem tο be
inѵolved unless it's one thing to do with Woman gaga! Your personal stuffs nice. Always maintain it up!

Feel free to visit my website reputation management

4:47 PM

 
Anonymous Anonymous said...

Goοԁ dаy! Do yоu uѕе
Twіtteг? I'd like to follow you if that would be okay. I'm undοubtеԁly еnϳoying your blog and lοok forwаrd tο
new ρoѕts.

Here is my blog post: lloyd irvin

1:22 AM

 
Anonymous Anonymous said...

http://www.pregnancyaid.in
Skene's duct cysts are cysts located in the Skene's glands also called periurethral glands. Indulging in intercourse when the basal body temperature is elevated by 1/2 to 1 degree may gestate into a baby girl. You won't detect this slight change, but a basal thermometer will.

7:28 AM

 
Anonymous Anonymous said...

On Sunday nights Erin Jaimes hosts a blues jam
where anyone from Alan Haynes to Gary Clark, Jr. Local country clubs are offering trivia fun for as little as
forty dollars per couple. They feature almost nightly drink specials and some form of entertainment every night of the week--DJ's, live music, trivia, you name it.

Stop by my webpage; clever pub quiz names

8:53 AM

 
Anonymous Anonymous said...

The only hurdle to accessing this is of course human
limitations and the fact that the brain does not function solely as a
learning tool for the human being. I believe my exact words were "I don't want to be your dirty little secret. Her father, Bruce Paltrow, produced the critically acclaimed TV series that is considered the precursor to many medical shows today, St.

Look into my web blog: pub quiz names

4:38 PM

 
Anonymous Anonymous said...

On Sunday nights Erin Jaimes hosts a blues jam where anyone from
Alan Haynes to Gary Clark, Jr. Below are listed a few popular pubs where one can chill in Mumbai.
Her father, Bruce Paltrow, produced the critically acclaimed TV series that is
considered the precursor to many medical shows today, St.



my web blog :: funny pub quiz names

1:58 AM

 
Anonymous Anonymous said...

In that case, this kind of question should not
be taken from any show telecasted in specific country. I believe my exact words were "I don't want to be your dirty little secret. Theme Format: It is almost like standard format of the pub quiz.

my web page: pub quiz and answers

5:07 PM

 
Anonymous Anonymous said...

Hi there! I just wanted to ask if you ever have any problems with hackers?
My last blog (wordpress) was hackeed aand I ended up losing several weeks of hard work due to no data backup.

Do you have any methods to stop hackers?

my webpage assassin's creed 2

7:31 PM

 

Post a Comment

<< Home