Tabla, 12 August 2011

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Total Pages: 32
1 34 Tabla
  • 23 1 tabla! THE HEARTBEAT OF THE INDIAN COMMUNITY MICA (P) 046/03/2011 SINGAPORE, WEEKEND OF FRIDAY, AUGUST 12, 2011 SfVl A SINGAPORE PRESS HOLDINGS PUBLICATION
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  • Article, Illustration
    1097 1  -  India’s high commissioner T.C.A. Raghavan talks to tabla! about his achievements so far and his plans for the future the INDIA INDEPENDENCE DAY SPECIAL PATRICK JONAS INDIA’S high commissioner to Singapore is a contented man. It has been slightly more than a year and a half since
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  • Page 1 Advertisements
    • 179 1 fyy I Authentic North Indian Cuisine 25% DISCOUNT ON TOTAL BILL ON TWO SPECIAL DAYS! Rakslia Bandfian (13 th August) Give your sister a treat at Singapore’s Finest North Indian Restaurant in a 5-star setting India’s Independence day (15 th August) Come and celebrate this historic day with your family
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    • 7 1 INDIA’S SECOND TRYST WITH DESTINY: PAGE 6
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  • Page 1 Advertisements
    • 491 1 THE HEARTBEAT OF THE INDIAN COMMUNITY MICA (P) 046/03/201 1 SINGAPORE, WEEKEND OF FRIDAY, AUGUST 12,2011 12th, 13th &Uth August 2011 Suntec Convention Centre, Singapore Timings: 10am-7pm Hall: 402 The Indian Property Show 12th, 13th &14th August 2011 Suntec Convention Centre, Singapore Timings: 10am-7pm Hall: 402 L PROPERTY SHOW Don't
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  • INDIA
    • 452 2 UP tourism to promote areas around holy city ASK any Indian and he would be familiar with Varanasi, even if he has not been there. It is one of the oldest cities in India some say the oldest and one of the holiest for Hindus who claim
      PHOTO: INDIA TOURISM  -  452 words
  • Page 2 Advertisements
    • 75 2 9 9 9 9 iimfm 5 rat ft i wb ir> JiuK* z I i 1 —i'p 11 J A. ,.9J Sr The land of monuments is closer to Singapore nationals than ever before. With the new Tourist Visa-on-arrival facility especially for you, now simply think India, and be there!
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  • Page 1 Advertisements
    • 764 1 PROPERTY SHOW The Indian Property Show 12th, 13th 14th August 2011 Suntec Convention Centre, Singapore Timings: 10am-7pm Hall: 402 Top 10 Residential Real Estate Investment Hotspots 2011 Gurgaon Massive infusion of commercial office and retail space [Currently 22m sq ft office space expected to grow to 40 m sq ft
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  • SINGAPORE
    • 276 3  -  SINGAPORE SURPRISES Patrick Jonas WHEN I arrived in Singapore 14 years ago, my attention turned to the road signs which read: CTE, PIE, BKE, SLE... I had no clue at first but as time wore on they seemed minor compared to the numerous
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    • 850 3  -  IWA members and their children bring joy to residents of Swami Home H plained green The COMING TOGETHER PATRICK JONAS patrickj@sph.com.sg TO THE loud, rocking beat of a Bollywood song, the women dressed in green clapped and egged on the seniors. A game of musical chairs for
      PHOTO: ARUN RAMU  -  850 words
    • 1240 4 / 5 patrickj@sph.com.sg On the consular side... We have extended some amount of outsourcing. I won’t say services have improved because that would make us look complacent. We have tried to deliver services to the best of our ability. I think there is always scope for improvement in
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    • 261 8 / 9 As Singapore celebrated its 46th birthday with a power-packed parade at Marina Bay, there were many things that got the crowd cheering: The F-15 fighter jets, the Red Lions’ parachute display, the emotional theme of the show and the fireworks. Here’s a look at some such moments...
      PHOTOS: ARUN RAMU, THE STRAITS TIMES, BERITA HARIAN  -  261 words
    • 453 10  -  Pradeep Paul HAVING joined SilkAir’s board as a director in June last year, Mr Marvin Tan (right) was appointed the airline’s chief executive officer four months later. Earlier, he had worked in various senior roles with Singapore Airlines. Here’s what he had to
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    • Article, Illustration
      555 10  -  Kolkata, Trivandrum and Kochi beckon with smiles and warmth PRADEEP PAUL pradeep@sph.com.sg WHEN’S the last time you went out on a Monday night? Been a long time, right? Okay, I’ll make this tougher... when’s the last time you went out dancing on a Monday night? Aha, gotcha.
      PHOTOS: SILKAIR  -  555 words
    • 775 11 That’s why real estate consultants Knight Frank set up its India Desk THE increasing migration of Indians into Singapore has set abuzz the property market both domestically and internationally. People of Indian origin who are permanent residents or Singapore citizens make up 6.85 per cent
      PHOTOS: KNIGHT FRANK, SUMANSA  -  775 words
    • 172 12 THE Mar Thoma Syrian church in Singapore marked 75 years of its presence here on Aug 6. At a function held at the An-glo-Chinese School in Barker Road, the diocesan bishop for Malaysia, Singapore, Australia and New Zealand region Joseph Mar Barnabas Episcopa lit a traditional Kerala
      PHOTO: RICHIE ABRAHAM  -  172 words
    • 240 14 Three outstanding talents rewarded for their achievements in the field of arts and science IN ITS youth lies a country’s treasure. And Singapore has been done proud by three bright Indian youngsters: Ramyia Elangovan, Aparna Ramachandran Nambiar and Manoj Prabodha. Ramyia (below), 19, has made a
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    • 137 14 MANY would know the late Mr S. Rajaratnam as one of the founding fathers of Singapore. Some may call him the co-founder of the People’s Action Party (PAP) and the man responsible for its ideology. But few know the man behind the public persona, who
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    • 505 16 / 17  -  10-year-old solves arithmetic problems speedily with this skill MALAR CHANDRA SEGARAN tabla@sph.com.sg 25+41+60+89+76 Even before the assembled parents reached for their calculators, Shashank Kallapur (left) had the answer. When the 10-year-old yelled out “291”, it raised gasps of awe. Different mathematical questions based on addition, subtraction, division
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    • 356 18 They come forward to set up three new facilities for the Indian self-help organisation THE regional office of an Indian company and two entrepreneurs from India have helped the Singapore Indian Development Association (SINDA) set up a Kids Club, a youth hub and a computer lab.
      PHOTO: SINDA  -  356 words
    • 237 21 SINGAPORE’S economy grew a modest 0.9 per cent from April to June, nearly twice as fast as an earlier estimate of 0.5 per cent. The better figure, released by the Ministry of Trade and Industry (MTI), was thanks to a good showing in June. The
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    • singapore news
      • 133 21 THE number of patients lodging financial claims against doctors has nearly doubled over the past five years, with most of them settled out of court. Hospitals say the increase could be due to poor communication and patients’ rising expectations. It could also be partly because
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      • 126 21 THE National Environment Agency started a scheme last July to get foreign workers to convince others in their own dormitories not to spit, urinate in public or litter. Those 12 “dormitory ambassadors” have since grown to 153. The project, currently limited to commercially-built dormitories in the
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      • 152 21 A FRIEND of Marine Parade GRC MP Tin Pei Ling has received a stern warning from the police for flouting general election guidelines on Cooling-off Day in May, by posting a comment on Ms Tin’s Facebook page. But the police accepted the explanation
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    • 179 31 $20,000 Highest monthly salary offered to Nanyang Technology University graduate from the class of 2011 45,000 Mill workers took part in a protest march in Mumbai demanding that the state government accepts a 20-year-old appeal for providing free houses Rs 1,320 crores Value of alleged fraud committed by
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    • 323 31 “It (recession) may or may not happen, we cannot tell yet. But we have to be prepared for any eventuality.” –Deputy Prime Minister Tharman Shanmugaratnam “Indians have the ability to adapt to any situation they are faced with. They are also used to doing more with less
      PHOTO: IANS  -  323 words

  • Page 4 / 5 Advertisements
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  • NEWS
    • 786 6  -  India must seize opportunity now or lose the chance to be a global power DR RONOJOY SEN tabla@sph.com.sg Dr Ronojoy Sen is a visiting research fellow at the Institute of South Asian Studies, National University of Singapore. THE face of the “civil society” movement against corruption
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  • Page 6 Advertisements
    • 342 6 Congratulations to our 2 readers who have won a S$50 Dempsey Hill voucher each! Here are Mark Leong’s (Head, Financial Protection Specialists, Wealth Management Singapore, OCBC Bank) answers to their questions: Q1: What are some of the factors that I need to know and consider when speaking to a financial
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  • Page 7 Advertisements
    • 45 7 n ml M With <3est Compliments ‘From the Forum of Indian Banks in Singapore A AXIS BANK m EXIM BANK (P ICICI Ban Indian Bank EXPORT-IMPORT BANK OF INDIA Indian Overseas Bank OSBI STATE BANK OF INDIA 0 UCO BANK (A Government of India Undertaking)
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  • Page 12 Advertisements
    • 51 12 HAPPY INDEPENDENCE DAY from 1MMT MmMMMMA express Simply Priceless Reservation Office 70 Shenton Way, Marina House #01-03 Singapore *****8 Ticketing Reservations: *****247 *****248 *****249 *****909 Airport Office Changi Airport Terminal 2, #616-006-02 General Line: *****152 ******444 Fax: *****892 For more details, please contact your travel agents or visit www.airindia.in www.airindiaexpress.in
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    • 6 12 Happy Independence day 15 August 2011
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  • Page 13 Advertisements
    • 169 13 at tE J3°p' 05 NB' s a www.hdfc.com All you need to buy a home in India is right here in Singapore. ii w Yf II 1 m L India's premier housing finance company is here. HDFC, India's largest mortgage lender has been assisting NRIs own a home in India
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  • Page 14 Advertisements
    • 55 14 Happy Independence Day 15 August 2011 Warmest wishes to all readers of tabla on The Independence Day of India VtK inaiA INTERNATIONAL INSURANCE PTE LTD S&P 'A-'rated company Rest assured with our individual corporate non-life insurance policies 64Cecil Street4th 5th Floors I0B Building Singapore *****1 -Tel: 6347 6100* Fax: **********225
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  • Page 15 Advertisements
    • 121 15 FLYK!NGFISHER,COm A is. Fly the luxurious Airbus 330 to Mumbai and back at a convenient timing. Our attractive fares are now inclusive of a one night stay either at The Taj Mahal Palace orTaj Lands End, Mumbai. This exclusive offer is valid till 15 th Sep, 2011 .Travel for all
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  • Page 16 / 17 Advertisements
    • 119 16 / 17 A Pu6[ic 6y 'OdUo innar engineering technologies for well being |K|yi “I have no teachings at all. If you are willing then I can deliver ■>? you Into a space and a situation within ourself that you have 1 never imagined possible In human life." Sadhguru V ■y, Srs A'
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    • 69 16 / 17 India. She’s come a long way. As she marks another year of freedom, we celebrate the growth of the Indian. a lira The students and staff of NPS Iiaternatiorial School salute the freedom of India and the independent Indian. NFS NPS International School 10 Chai Chee Lane, Singapore *****1 Phone:
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    • 70 16 / 17 ayush AYURVEDIC PTE. LTD Ayurveda For Renewed Sense Of Wellness s if* 1 SIROVASTHI Helpful for nerve related problems for insomnia, depression, facial paralysis, severe headaches, dryness of nostrils, mouth and throat illness. Consult our experts at 6398 041 5 without any obligations. Ayurvedic Physician V C Ajith Kumar BAMS
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    • 105 16 / 17 A w CARGO LOGISTICS PTE. LTD. 42, Cuff Road, Singapore *****2 HP: 9650 4030 9650 4050 DOOR TO DOOR OA.Fi <3 0 and above rm i G3D ri l _r J Minimum 10kg $3.00 Kg Electrical Electronic Goods: $4.50 Kg FREE PICK UP! I FREE PACKING! (Min 25kg) wishes all
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  • Page 18 Advertisements
    • 88 18 Wishing Every Indian a Happy Independence Day! 15th August 2011 Celebrate ONAM 2011 9 to 10 September 11am to 11pm Feast on the Swaadhisht Special ONASADYA that features 25 delicious items! You your family will love it! For further details, please contact: Mr. Anil Kumar -9880 1680 Mrs. Bindu Anil
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    • 97 18 ELITE CORPORATE PTE LTD Lie No C8B5501J Invite Clients To Avail Our New Attractive Promotional Offers (12/8/2011 to 11/09/2011) For Candidate: 1. EP/ DP/ S Pass LOG Enter pass Submission 2. PR and MOM Appeals Vacancies exist for: Admin Assistant Executive Account Assistant Executive Customer Service Executive Eligibility Singapore Citizen
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  • EDUCATION
    • 678 19 NGO runs creche and play school for women prisoners’ children at Tihar Jail Indo-Asian News Service “IWANT to be a doctor,” murmured five-year-old Guddu Kumari, flashing a shy smile and then hurrying to the rest of her classmates in the play school at the
      Indo-Asian News Service; PHOTO: INDIA VISION FOUNDATION  -  678 words
    • 586 20 WHILE classrooms tend to be devoted to lessons, the students of Class 7 A at DPS are encouraged to use their creativity and come up with short stories on a weekly basis. The aim is to promote writing as an activity that develops and enhances a
      PHOTOS: DPSIS  -  586 words
    • SCHOOL SNAPSHOTS
      • 174 20 SAYANTAN MUKHUTI, Class 6A MOTHER Nature is a blessing from above and destroying our natural resources will affect our own survival. We need to conserve our nature for our future generation. In order to highlight this message, Class 6A conducted an assembly recently to
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      • 205 20 NIKITA VATTAS, Class 7C CO-CURRICULAR activities (CCA) are an important element of education at DPS and debating is one of them. Not only does it develop analytical and oratorical skills in us students, it is a formal method of interactive argument within a framework of existing rules.
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  • Page 19 Advertisements
    • 250 19 GIIS WISHES YOU A HAPPY INDEPENDENCE DAY! ■sz mm H Students at GIIS are taught to take up challenges and realise their true potential. I am happy my son is a part of the GIIS family. Ms Marrwa Ibrahim Parent of Sherif, Class 5 GIIS Queenstown Campus Global Indian International
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  • Page 21 Advertisements
    • 51 21 n v 4*# ectton.. VWlfeii ■S w \y \s >r//-j,xW 1/ St S^v V*S? m w f p p \2SBCiftig SjgiBici q «37S7 CazcC57 5Mi[jECiia3jS3 C5GS7 □xSj UNIVERSITY of CAMBRIDGE International Examinations CAMBRIDGE INTERNATIONAL CENTRE Tel: 6285 6300 Fax: 6285 1670 Website: www.dps.edu.sg Email: admissions@dps.edu.sg Address: 36 Aroozoo Avenue, Singapore
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  • ENTERTAINMENT
    • 757 22 Indian film-makers now try to make children’s movies appealing to adults also but others feel there should be films made ‘just for kids’ Indo-Asian News Service THINK of children’s movies and animated characters come to mind. But all that appears to be changing. With
      Indo-Asian News Service  -  757 words
    • 386 24 Actress Ayesha Takia, who got married in 2009, returns to films with Mod Indo-Asian News Service AFTER a two-year sabbatical that followed her marriage to restaurateur Farhan Azmi in 2009 and getting involved in his business, Ayesha Takia is making a comeback
      Indo-Asian News Service  -  386 words
    • 394 25 Ustad Rahat’s show promises Qawwali, sufi and film classics HERE’S a treat for the fans of sufi music in the city. Event producer De Ideaz is bringing in Ustad Rahat Fateh Ali Khan, one of the most well-known artistes of sufi music. The Pakistani
      PHOTO: IANS  -  394 words
    • 418 26  -  He gave it up for acting and now has high expectations of his ‘ideal woman’ DALVINDER KAUR tabla@sph.com.sg RANA Daggubati come from solid mov-ie-making stock: Veteran Kollywood actor Nagarjuna is his uncle and producer D. amanaidu is his grandfather. Yet, when it came to
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  • Page 23 Advertisements
    • 49 23 I ■jr premium MTff PREMIUM ft Adrian Sutil Jn/ocesrune U Kingfisher V N. r >o*«o I M£0 |OK > V'ON IT? l; i a y. The Kmm Wfa FAR EAST DISTILLERS PTE LTD 26 Chin Bee Road Singapore *****2 Tel: (65) 6261 5656 Fax: (65) 6265 6156 formula one team
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  • Page 24 Advertisements
    • 231 24 GIIS SPIRIT OF r i AR IVAL FOR INTEGRATION GIIS SPIRIT OF ASIA CARNIVAL FOR INTEGRATION SALUTING SINGAPORE'S SPIRIT OF CULTURAL DIVERSITY AND HARMONY Sunday, 14th August 2011,10:00am to 2:30pm Global Indian International School, Queenstown Campus 1 Mei Chin Road, Singapore *****3 FREE ADMISSION 'JS X 7 Come one, come
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    • 107 24 II II Pure Vegetarian Ghar Se Dur Ghar Jaisa Bhoian Authentic Gujarati North Indian Rajasthanik Indian Chinese Bombay style fast food A la carte menu Independence Day Special 20% discount for weekday and weekend special buffet UP Bihar famous Litti and Chokha' dishes first time in Singapore from 14 Aufi
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  • Page 25 Advertisements
    • 167 25 B rVl#FWAKARM 3* *8 first in indio m a new high in Living! 15-Floor Singapore style condominium creating a iconic landmark just 3.5km to the chennai international airport SKYPARK is strategically located just off the GST on the 200 ft Pallavaram Thuraipakkam ring road (Gateway to I.T.Corridor 5 km to
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    • 58 25 f Christ Church Kindergarten established since 1989 C w Bft MLI'.M 4 Christian Values Holistic curriculum Intergrated themes Literacy rich environment appropriate practices Providing a CHILD centered program and cultivating godly values Admission Open for Playgroup, Nursery and Kindergarten Contact 6299 8401 or 6299 2544 for further enquiries christchurchkinder@yahoo.com No.
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  • Page 26 Advertisements
    • 44 26 LllJAW.V'At.iF.vi Tor Aff your Teqaf Needs KALAMOHAN CO (Established in 1985) Advocates Solicitors, Commissioner of Oaths, Notary Public No. 101 Cecil Street, #08-11/12, Tong Eng Building, Singapore *****3. i Tel: 6227 9377 Fax: 6227 8098 Email: mohanrk@singnet.com.sg S/ebsite: www.kalamohanco.com After office hours: 8398 5617
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    • 62 26 NO TIME TO GO SHOPPING? FREE HOME DELIVERY Shop online and we will deliver to your doorstep WWW.MYOJJlHXECROCERIES.COM HOTLINE: 6846 9334 North South Indian Groceries Including Fresh vegetable Frozen Items We also cater to office needs (Pantry Items, Stationery, Toiletries, etc) Please call and request for the full product list
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    • 77 26 Pure Vegetarian Restaurant 70 Desker Road. Hear Mustafa Centre. Singapore *****3 Ho: +65 9106 6004 8285 6865 E:mall: swaad2011@yahoo.com.sg WEEKEND SPECIAL BUFFET Gujarati Thali Chaat Corner SWHAD unlimited Thali 10.00 rWAAD Fix Thali @$7.00 12 Veg, 3 Rod. Dal-Rice, Sweet. Farsan. Salad, Papad. Chhas. Pickle) I Sp. Student Meal.... @$5.00
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  • FOOD
    • 286 27 Brits no longer favour chicken tikka masala MOVE over chicken tikka masala. It’s jalfrezi time. So say the British. The chicken tikka masala, which has long been voted as Britain’s favourite dish, has now relinquished the top spot to the less-er-known jalfrezi. Recent research showed that the
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  • Page 27 Advertisements
    • 28 27 BACKACHE? Sleep On Waveless Waterbeds German Ingenuity That Heals While You Sleep EverRest FANTASY WATERBEDS SLEEP CENTRE #01-15/16 The Furniture Mall (The Plaza) 7500D Beach Road Tel: 6469-1381
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    • 545 27 Pleasure t Si Chuan Dou Hua at Kitchener Road usmess Double-boiled Shark Cartilage Soup audio-video amenities are available for bigger formal gatherings or cosy celebrations. But you’ll be dazzled by more than just the fagade. The heart of Si Chuan Dou Hua lies in its artfully prepared food. The combination
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  • RELAX
    • 365 28 / 29 CARNIVAL The Global Indian International School’s annual Spirit of Asia Carnival has fun-filled activities for the family, ranging from electrifying music performances to rousing multi-ethnic performances and even offers a sampling of scrumptious cuisines. Free admission. When: Aug 14, 10am to 2.30pm Where: Global Indian International School, 1
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    • 63 28 / 29 PROPERTY SHOW Sumansa Exhibitions’ Indian Property Show 2011 features over 100 projects by over 30 developers such as Hiranandani Constructions (left). It also offers information on investment options, financing sources, legal issues and even Vaastu consultations. Free admission. When: Aug 12 to 14, 10am to
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  • Page 28 / 29 Advertisements
  • Page 28 / 29 Miscellaneous
    • 1122 28 / 29 FUTURE SPEAKS Aries Your professional life will be on a high. You will overcome all your opponents. Good health and domestic harmony will prevail. Taurus Wealth may flow in but your health may suffer. Illness may plague your children too. The government or those in high positions could be a
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    • 89 28 / 29 SUDOKU The objective is to place the digits 1 to 9 only, once in each of the small 3x3 squares. At the same time, you must create a row of unique digits going across and down over the large grid. DID YOU KNOW The saffron colour in India’s national flag
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  • Page 30 Advertisements
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    • 125 30 NEW LAUNCH PRETIGIOUS MEYER ROAD FREEHOLD DISTRICT 15 2 BLOCKS OF 31 32 STOREY RESIDENTIAL DEVELOPMENT WITH FULL CONDO FACILITES ONLY 239 UNITS WITH PRIVATE LIFT 2-BEDROOM APPROXIMATELY 871, 882 SQFT 3-BEDROOM APPROXIMATELY 1270, 1280, 1302, 1313 SQFT 4-BEDROOM APPROXIMATELY 1819, 2055 SQFT PENTHOUSE AVAILABLE R*****3A Senior Team Director Please
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    • 62 30 Monitor Manage Your Blood Pressure With Made in Japan DS-500 (ARM) NEW MODELS DS-700 (ARM) DETECTS ARRHYTHMIAS AUTO-INFLATE DIGITAL BLOOD PRESSURE MONITOR Approved and Certified by Ministry of Health, Labour and Welfare Japanese Government, Tokyo Available: Mustafa Centre, Serangoon Plaza NISSEI Counter Haniffa Dunlop Street To place an ad in
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  • Page 30 Miscellaneous
    • 28 30 SOLUTIONS sudoku crossword quiz 1. Dolphins 2. Sonakshi Sinha 3. Albert Einstein 4. Fencing 5. Pulao 6. Argus Filch 7. Hyderabad 8. Boats 9. Heart 10. Palme d’Or
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  • Page 31 Advertisements
    • 90 31 m m v W Ke ra la In d 1a AYURVEDA PANCHAKARMA THERAPIES IN THE MOST TRADITIONAL AND PUREST FORM BROUGHT TO SINGAPORE IN ASSOCIATION WITH SANTHIGIRI AYURVEDA SIDDHA VAIDYASALA. (unit of Santhigiri Ashram, Trivandrum, Kerala, India) All kriyas like Abyangam Swedanam, Pizhichil, Navarakizhi, Elakizhi, Sirodhara, Nasyam, Podikizhi/Thakradhara, Sirovasthi, Udwarthanam,
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  • SPORTS
    • 897 32 ICS Lions, a team formed by four friends, emerged champions at the recent IAT20 Super Challenge Olam Cup FOUR friends shared a common passion for sports. One evening, over casual chatter, they decided to start a sports company, i CreateSports (ICS). An opportunity to make a mark came
      PHOTOS: ICS, ARUN RAMU  -  897 words
    • 914 33  -  As India relinquishes the No. 1 spot in Test cricket, it’s time the players showed intent and determination columnstar HARSHA BHOGLE tabla@sph.com.sg AS THINGS stand, Indian cricket’s acquaintance with the No. 1 status will be a bit like that of a budget airline with an
      PHOTO: AFP  -  914 words

  • Page 33 Advertisements
    • 108 33 FLGXI FITNESS fi a 'M'iz mm mam Takes care of Health, Fitness and Performance Yoga Weight Management Programme Helps bring down your bodyweight Weekly monitoring with blog to verify results Experienced instructors to develop effective program Tennis and Athletics Programme For children between the age of 7 and 15 years
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  • Page 34 Advertisements
    • 509 34 Independence Day Celebrations HIGH INTEREST RATES ON YOUR TERM DEPOSITS Up to 1.28%p.a. on SGD Term Deposits Up to 2.35%p.a. on USD Term Deposits Up to 5.80%p.a. on AUD Term Deposits Sparkle up your interest earnings Celebrate the Independence Day of Singapore and India, and take home higher interest earnings.
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