Data Provider Black Knight to Acquire Top of Mind 2 days ago Community Reinvestment Act Financial Institutions OCC 2015-01-26 Brian Honea Previous: Existing-Home Sales Expected to Inch Upward in January Next: DS News Webcast: Tuesday 1/27/2015 Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Subscribe The Office of the Comptroller of the Currency (OCC) released its list of Community Reinvestment Act (CRA) performance evaluations that were made public during the month of December 2014 for 30 financial institutions.The 30 financial institutions that received ratings from the OCC that became public during December were national banks, federal savings associations, and insured federal branches of foreign banks that have received ratings. The four possible ratings were outstanding, satisfactory, needs to improve, and substantial noncompliance, according to the OCC.Two of the 30 financial institutions that were rated received a rating of outstanding: Van Wert Federal Savings Bank, a small bank in Van Wert, Ohio; and Icon Bank of Texas, National Association, an intermediate small bank located in Houston, Texas. Twenty-eight of the financial institutions evaluated received a rating of satisfactory. None of the institutions received ratings of needs to improve or substantial non-compliance.A searchable list of all public CRA evaluations can be found on the OCC’s web site. The CRA was first enacted by Congress in 1977 and revised in both 1995 and 2005. The purpose of the CRA is to “encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods, consistent with safe and sound operations,” according to the U.S. Federal Reserve Board web site. Home / Daily Dose / OCC Releases Performance Evaluations for 30 Financial Institutions; Two Rated ‘Outstanding’ Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Tagged with: Community Reinvestment Act Financial Institutions OCC The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago January 26, 2015 837 Views in Daily Dose, Featured, Government, News Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Brian Honea Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago OCC Releases Performance Evaluations for 30 Financial Institutions; Two Rated ‘Outstanding’ Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago
This week, professionals have a beautiful new aluminum design option for select configurations of our 13 and 14-inch 7000 series Latitude notebooks. The look is sharp, and looks matter, but there is a deeper tale about the changes in Latitude in the last year or so. And there’s an even bigger change on the way… but I’m getting ahead of myself.If you spend any time with Dell, you’ll quickly pick up on the culture. Success is celebrated, but our focus on the customer means we’re never really satisfied. The Dell Technologies mission is to deliver end-to-end solutions; to offer customers a one-stop shop where finger-pointing between different parts of their technology infrastructure becomes a thing of the past. But that doesn’t let us off the hook to deliver outstanding individual products for your business.Take a look at what’s been going on with Latitude during the past year. You’ll find that relentless focus on customer experience and many key under-the-skin improvements.Because productivity slows when you can’t connect, we introduced a unique Active Steering Antenna (ASA) to Latitude 7490 to deliver stronger, more reliable WiFi connectivity. Intelligent Wireless, as we call it, automatically chooses and maintains the best WiFi connection without you having to micromanage settings. This minimizes lag, reduces drops and improves throughput by about 40 percent.Because it’s hard to be on-the-go if you’re out of juice, we offered the option of a Super Low Power (SLP) display on Latitude 7490 series laptops to extend life away from the plug. The display is one of the biggest sources of battery drain, and our SLP display is 50 percent more efficient than standard FHD panels without compromising performance. Now, that sounds like magic, but it’s really just hard work.To make Latitude a smarter mobility solution that’s easier and more comfortable to use, customers now enjoy intelligently-controlled system performance which regulates both processing power and thermal output. How? Your Latitude pays attention to what mode you’re working in (if it’s a 2-in-1) and automatically optimizes performance based on your work patterns and chosen settings. Using it in your lap? Latitude can detect that and manage lower system temps for comfort. We have four customizable thermal presets to choose from (Optimized, Cool, Quiet or Ultra Performance). IT can manage those settings or set and hide them from the user if desired.Dell is placing a premium on enhancing speed-to-productivity with biometrics like fingerprint readers and facial recognition combined with smart card readers and the best components for the quickest possible boot and log-on. And there is more innovation coming on that front, but I’m getting ahead again.Dell’s displays are known for their image quality and they make your Latitude a better tool, but did you know our business-focused audio enhancements also help you work better? We have speakers and audio software designed by a Grammy-winning acoustics team that enable better voice recognition for Cortana on far-field voice pickup. You’ll also experience clearer sound in loud, open work spaces with minimized feedback and typing noise while on conference calls.Have to work long hours? Latitude is right there with you. Our keyboards are designed and tested to deliver better comfort, less fatigue and greater input accuracy.Having touched on all that recent innovation, we’re never satisfied. This week, we nod to those customers looking for external beauty as well with a stunning new aluminum design option for the Latitude 7390 and Latitude 7490.And, indeed there is more to come. For now please enjoy the run-up to the holidays. Let’s plan to revisit Latitude soon after that, maybe around CES in January?
There is further concern and anger in Lifford this afternoon following a double break-in at two local businesses overnight. Blush Beauty saloon and local Chinese restaurant Peking House are the latest premises to be targeted by thieves in the last several weeks.Gardai say they are investigating the two incidents at the two retail premises in the Bridge Street area of Lifford. The front window of each of the premises were smashed during in the early hours of Friday morning.It follows four home daylight burglaries in Lifford and Manorcunningham earlier this month, where thieves caused significant damage as they forced their way into the homes through the back doors and trashed rooms.Condemning the attacks on the local community, Sinn Féin Cllr Gary Doherty appealed for the attackers to think again before causing further disruption.“There is a lot of anger in the community because along with these two break-ins last night there have been a number of house robberies in recent weeks,” he said. “People are very frustrated and angry that this is happening in their community and the people of Lifford have a feeling that these are people within their own community who are carrying out these attacks.“I would appeal to those people to think twice and think about the hurt that they are causing to their neighbours and the wider community in the town,” Doherty added.“Regardless of their motive, people are feeling very unsafe in their own homes and businesses and that has to stop.”Gardaí investigating are appealing for witnesses and anyone with information is asked to contact Lifford Garda Station on +353749141000Concern after another spate of Lifford break-ins overnight was last modified: April 1st, 2019 by Shaun KeenanShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)
LOOK: Loisa Andalio, Ronnie Alonte unwind in Amanpulo for 3rd anniversary View comments Fire hits houses in Mandaluyong City RELATED STORY:Tabal delivers first gold medal for PH, rules women’s marathon Read Next Don’t miss out on the latest news and information. Trending Articles PLAY LIST 00:50Trending Articles00:50Trending Articles00:50Trending Articles01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games LATEST STORIES Frontrow holds fun run to raise funds for young cancer patients Typhoon Kammuri accelerates, gains strength en route to PH As well as staying hydrated during a run in order to prevent injuries, cramping, and early fatigue, it is also important to rehydrate after you have finished, as well as maintaining your fluid intake throughout the rest of the day. If you are training for a marathon this is even more important; marathon runners can lose up to 5 percent of their total body weight during the race, or around four to five liters of fluids on average.To avoid dehydration and help the body replenish its reserves, be sure to drink plenty of fluids in the hours after your run, whether you prefer water, fruit juice or sports recovery drinks. You should also avoid alcohol if you really want to reach peak performance. Not only will it dehydrate you, but celebrity trainer David Kirsch also adds that “during a wellness program there is no room for hangovers. You need to be fresh, focused, and on top of your game to achieve the desired results.”FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutGet a good night’s sleepDr. Andrew Murray, who works predominantly with runners but also swimmers and cyclists, says that the one thing they all have in common is they are “world class sleepers.” He recommends at least seven hours a night to reduce the risk of infection and stay healthy, plus a good night’s sleep is possibly the best way for your body to repair itself after exercise. Kirsch also adds that skimping on sleep “will sabotage your hard-earned workout gains,” so to get the most out of your run, as well as reach your true running potential in your next one, make sure you prioritize sleep. Refuel your musclesDalton Wong, trainer to Hollywood star Jennifer Lawrence and founder of TwentyTwo Training advises a post-run combination of protein to repair, fat to help you feel full, and carbs to fuel the body. He recommends a protein smoothie or a proper meal between one hour to 90 minutes after your run, and nuts, seeds, and/or an apple as good options for snack until you can eat a real meal. Dr. Murray agrees, also recommending a ratio of three portions of carbs to one portion of protein within the hour after your run. Pasta or a baked potato with tuna, a chicken sandwich, eggs or pulses are all good choices.Stretch it outAlthough Dr. Murray says you don’t need to do a specific warm-up, just something to get you moving a little and ready for running, he does recommend a cool down, especially when you have done a more intense, longer run. Cooling down and stretching is a key step in any running plan to aid recovery, reduce muscle soreness and prevent injuries.Foam rolling can also be useful, not only straight after your run but also the day after and days following if you’re still feeling sore. It can also be particularly helpful when combined with stretching because it helps break up adhesions, which allows for a better and deeper stretch. JBADVERTISEMENT Nonong Araneta re-elected as PFF president Brace for potentially devastating typhoon approaching PH – NDRRMC Image: Geber86/Istock.com via AFP RelaxnewsWith the Chicago Marathon taking place this Sunday, Oct. 8, many may be feeling inspired by the World Marathon Major to start their own running regime. Whether you’re a beginner or a marathon expert, here we round up some of the key things to do post-run to look after your body and maximize your performance.Drink upADVERTISEMENT Kammuri turning to super typhoon less likely but possible — Pagasa BSP sees higher prices in November, but expects stronger peso, low rice costs to put up fight MOST READ TNT import Rice ejected early in Game 4
GLENDALE, AZ – JANUARY 01: Defensive lineman Joey Bosa #97 of the Ohio State Buckeyes walks off the field after being ejected for targeting during the first quarter of the BattleFrog Fiesta Bowl against the Notre Dame Fighting Irish at University of Phoenix Stadium on January 1, 2016 in Glendale, Arizona. The Buckeyes defeated the Fighting Irish 44-28. (Photo by Christian Petersen/Getty Images)Ohio State’s football program won the 2016 NFL Draft, having 12 former Buckeyes taken during the draft’s seven rounds (including five in the first round). Two more former OSU stars – Tyvis Powell and Jalin Marshall – have already agreed to unsigned free agent deals. 12 Buckeyes off to new places in this record-setting draft. Congrats guys and best of luck! #NFLDraft2016 #GoBucks pic.twitter.com/WOA2bcREwI— Ohio State Football (@OhioStateFB) April 30, 2016What numbers will OSU’s rookies wear in the NFL? Here’s what we’ve found. Joey Bosa – 99New Chargers DE Joey Bosa on his new number: “97 was taken. Not too many choices. But I like 99.” Was either 90, 96 or 99.— Michael Gehlken (@sdutGehlken) April 29, 2016Ezekiel Elliott – 21. @OhioStateFB RB Ezekiel Elliott @EzekielElliott to wear No. 21 for Dallas Cowboys. Other 21s: Joseph Randle, Julius Jones, Deion Sanders.— Brandon George (@DMN_George) May 2, 2016Eli Apple – not yet known.Taylor Decker – not yet known. Darron Lee – not yet known. Michael Thomas – 13. Vonn Bell – not yet known. Adolphus Washington – not yet known. Braxton Miller – 13. Nick Vannett – not yet known. Joshua Perry – not yet known. Cardale Jones – No. 7 (this hasn’t been officially announced, but it looks like Jones hinted at it on Twitter.)~7~— Cardale Jones (@CJ12_) May 1, 2016Jalin Marshall – not yet known. Tyvis Powell – not yet known.
(The Oct. 22 attack in Ottawa executed by Michael Zehaf Bibeau triggered an internal federal review which spawned the proposed anti-terror bill tabled in the House of Commons Friday.)The Canadian PressOTTAWA — Newly tabled anti- terrorism legislation would give Canada’s spy agency more power to thwart a suspected extremist’s travel plans, disrupt bank transactions and covertly interfere with radical websites.The plan to boost the Canadian Security Intelligence Service’s ability to counter terrorist threats flows from a review of fatal attacks on two Canadian soldiers last October _ incidents the government believes were fuelled by Islamic extremism.As expected, the bill would also make it easier for the RCMP to obtain a peace bond to restrict the movements of a suspect and it extends the period for preventative arrest and detention.In addition, the legislation would expand the no-fly regime to cover those travelling by air to take part in terrorist activities, whereas currently there must be an immediate risk to the plane.The bill proposes giving the RCMP power to seek a judge’s order to remove terrorist propaganda from the Internet.It would also create a new criminal offence of encouraging someone to carry out a terrorism attack.Prime Minister Stephen Harper told a gathering in Richmond Hill, Ont., that his Conservative government is prepared to both condemn and confront terrorism.“Jihadist terrorism is not a future possibility, it is a present reality,” Harper said.“It seeks to harm us here in Canada, in our cities and in our neighbourhoods through horrific acts.”On Oct. 22, Michael Zehaf Bibeau shot Cpl. Nathan Cirillo, an honour guard at the National War Memorial, before rushing into Parliament’s Centre Block. Zehaf Bibeau was quickly gunned down.Two days earlier, Martin Couture-Rouleau fatally rammed Warrant Officer Patrice Vincent with a car in St-Jean-sur-Richelieu, Que. After a chase, police shot and killed the knife-wielding assailant.It soon emerged the RCMP were monitoring the man– who harboured jihadist sympathies — for months.The Mounties even prevented him from travelling overseas, presumably to join militant fighters. But they did not have enough evidence to arrest him or further limit his movements, saying extreme beliefs were not a crime.Existing law requires a fear that someone “will commit” a terrorism offence before police can obtain a peace bond — a tool that can mean jail unless a suspect abides by strict conditions, for instance that they surrender their passport and regularly report to police.The new, lower threshold would be reasonable grounds to fear a person “may commit” a terrorism offence.Current anti-terrorism law allows police to arrest someone without a warrant and hold them for up to three days before a hearing. Under the bill, maximum period would be extended to seven days.Other proposed measures would:Allow for more information-sharing when the material — such as passport or immigration information — is relevant to an agency’s national security mandate;Give the government more power to object to disclosure of classified information in immigration proceedings.
Some of the most active companies traded Thursday on the Toronto Stock Exchange:Toronto Stock Exchange (15,776.30, up 55.30 points):Aurora Cannabis Inc. (TSX:ACB). Healthcare. Up 21 cents, 7.24 per cent, to $3.11 on 8.3 million shares.Canopy Growth Corp. (TSX:WEED). Healthcare. Up 80 cents, or 6.74 per cent, to $12.67 on 5.9 million shares.Hydro One Ltd. Instalment Receipts (TSX:H.IR). Utilities. Up 10 cents, or 0.27 per cent, to $37.00 on 4.6 million shares.Manulife Financial Corp. (TSX:MFC). Financial Services. Up nine cents, or 0.36 per cent, to $25.43 on 4.5 million shares.Toronto-Dominion Bank (TSX:TD). Bank. Down 72 cents, or 1.01 per cent, to $70.68 on 3.9 million shares.Teck Resources Ltd. (TSX:TECK.B). Miner. Up $1.18, or 4.26 per cent, to $28.91 on 3.6 million shares.Companies reporting major news:Shopify Inc. (TSX:SHOP). E-Commerce. Down $2.76, or 2.14 per cent, to $126.19 on 1.9 million shares. Stock prices fell for a second day, following a prominent short-seller’s claim that it’s running an overvalued get-rich-quick scheme. The Canadian technology company issued a defence of its business early Thursday but didn’t specifically refer to allegations published by Andrew Left of Citron Research.TransCanada Corp. (TSX:TRP). Oil and gas. Up 66 cents, or 1.08 per cent, to $61.55 on 1.3 million shares. TransCanada has cancelled its $15.7-billion proposed Energy East pipeline, cutting off a potential conduit to bring more western Canadian oil to eastern refineries and overseas export markets. CEO Russ Girling cited non-specific “changed circumstances” for the decision in a brief news release Thursday morning. The Calgary-based company refused to give further explanation. TransCanada said it will record a non-cash charge of about $1 billion in its fourth-quarter financial results, reflecting the reduced carrying value of the projects. It said there would be no costs recovered from third parties.
New Delhi: BJP president Amit Shah Saturday cited Sam Pitroda’s comments to accuse the Congress of “insulting” martyrdom of soldiers killed in the Pulwama terror attack and asserted that only his party can ensure the country’s security. In a fresh offensive against the Congress a day after its leader Pitroda questioned the government’s aggressive action against Pakistan, Shah asked Congress president Rahul Gandhi to apologise to people and armed forces for these comments. Also Read – India gets first tranche of Swiss bank a/c details Speaking to media, Shah said Pitroda’s statement conveyed that the Pulwama terror attack was a “routine” incident carried out by a few people for which Pakistan cannot be blamed, as the BJP chief asked Gandhi to make his party’s stand clear on the issue. Pitroda, he added, also questioned surgical strikes and air strikes by the Indian armed forces. “Does the Congress believe that terror incidents in the country have nothing to do with the Pakistan government or Pakistan Army?” Shah asked, seeking Gandhi’s response. Also Read – Tourists to be allowed in J&K from Thursday Pitroda is Indian Overseas Congress chief and is seen to be one of the key advisers to Gandhi. His comments, including that one cannot “jump on entire nation” (Pakistan) just because some people from there “came here and attacked” in reference to Pulwama terror attack, were Friday seized on by Prime Minister Narendra Modi to lead the BJP’s all-out attack against the Congress on the issues of terrorism. Keeping the heat on the opposition party on the issues of terrorism and nationalism in the run-up to the Lok Sabha polls, Shah said Saturday the Congress is known for “vote bank” and “appeasement” politics during election and asked if such politics can be above national interest and the “blood of martyrs”. The BJP president then drew a comparison between the Congress-led UPA dispensation’s “no strong action” against terrorism and the Modi government’s “zero tolerance” against it to assert that only the saffron party is capable of securing India. “I want to reassure people of this country that only the BJP can provide security to the country, can give a befitting response to terrorism and can foil Pakistan’s conspiracy,” he said. The Modi government has succeeded in isolating Pakistan internationally and the morale of security forces is sky high, he said. Shah said the Congress president on March 7 had said that questions raised on air strikes should be answered. “But whose questions he wants to be answered and who raising questions on Indian Air Force. Who do you support? It is not proper for the national president of a party to raise such questions and doubt the IAF,” he said. Attacking Gandhi, he added, “When anti-national slogans were raised in JNU you called it freedom of expression and you also went there in their support. This is an example of your abhorrent vote bank politics”. The BJP president also rejected the Congress distancing itself from Pitroda’s comments by terming them as his personal views, as he wondered “what is personal view in politics”. People have seen through the Congress’ “strategy” of running an orchestrated campaign like this for vote bank politics and have been distancing themselves from it, Shah said in a swipe at the opposition party. He cited past controversial comments of several Congress leaders – including B K Hariprasad, Kapil Sibal, Digvijay Singh and Sandeep Dikshit among others – from which their party had disassociated itself, and claimed that it is part of Gandhi’s politics. The Congress president should tender an apology without any delay, he demanded. Citing Pitroda’s comments, Shah said Gandhi should also answer if he believes that armed forces’ actions like surgical strikes and air strikes will not work in dealing with terrorism but dialogue with Pakistan will. Shah said many terror attacks were carried out in the UPA rule government and asked, “If terror attacks shouldn’t be responded with surgical strikes and air strikes, then is this the Congress’ policy to deal with terrorism with talks. You opted for talks but what was the result?” The “Sonia Manmohan” government was in power for 10 years but there was no tough action taken against terrorism because the Congress lacked courage, he claimed.
Colombo: The St. Sebastian’s Church in the western coastal town of Negombo bore the brunt of a series of powerful blasts across Sri Lanka on Easter Sunday with 74 deaths and a top priest saying pieces of flesh were thrown all over the walls, on the sanctuary and even outside the church. At least 215 people were killed and around 500 others injured when six near simultaneous and coordinated explosions rocked three churches, three luxury hotels frequented by tourists in Sri Lanka on Easter Sunday, officials said. Two separate blasts took place in the afternoon, claiming five more lives, including that of three police personnel. Also Read – Saudi Crown Prince ‘snubbed’ Pak PM, recalled jet from USSri Lankan media reported that the Negombo Hospital has reported at least 74 deaths and received 113 injured worshippers from the Sebastian’s Church. Father Edmond Tillekeratne, social communications director for the Archdiocese of Colombo, spoke to CNN from St. Sebastian’s Church, one of the locations targeted. He said that the blast took place after Easter Mass, and that there were about 30 bodies lying in the area of the church. He said three priests had been celebrating the mass at the time of the blast. Two of them were badly injured by flying glass and debris, and one was only lightly injured because he was behind the altar. Also Read – Record number of 35 candidates in fray for SL Presidential pollsHe estimated that more than a thousand people had come to the church for Easter Sunday “because it is a special day.” Many people came from villages, he said. He described the ground as covered in rubble and shattered glass. “You can see pieces of flesh thrown all over the walls and on the sanctuary and even outside of the church,” he added. The church, built in 1946, is one of the many churches in Sri Lanka dedicated to St Sebastian who is considered a martyr in the Catholic Church history. At the St. Anthony’s Church in Colombo, journalists saw bodies lying on the floor, some draped with scarves and clothes. Reports say said much of the church roof had been blown off in the explosion, with tiles, glass and splintered wood littering the floor — along with pools of blood. The Archbishop of Colombo has demanded that those responsible for the Easter Sunday blasts in Sri Lanka to be punished “mercilessly.” Cardinal Malcolm Ranjith, in a strong statement, urged the government to launch a “very impartial strong inquiry” and to punish those found responsible “mercilessly because only animals can behave like that.” All Easter mass in the Colombo District have been cancelled, the Cardinal announced. The Shangri-La Hotel in Colombo, which was the site of one of the explosions, released a statement, saying it was one of the several locations in Colombo which were affected by this morning’s attacks. “We are deeply saddened and shocked by the incident and our thoughts and prayers are with the families of the casualties and those who have been affected. “We are working closely with local authorities and emergency services to provide our fullest assistance and support to the affected staff and guests. “Our immediate priority is to look after the safety and wellbeing of all involved. A Shangri-La crisis management team has been activated to provide all necessary support. “As this is an active investigation, we are unable to comment further at this stage. We will provide an update once more information is available,” the hotel said.
Urban Meyer stopped before finishing his sentence because even he knew he didn’t believe the words that were about to come out of his mouth. The Buckeyes had just pulled off one of the most improbable victories you’ll ever see against Purdue. There were 47 seconds left, 61 yards to go, and an 8-point deficit staring Meyer and the Buckeye team straight in the face. Heisman Trophy candidate and sophomore quarterback Braxton Miller was lying in the hospital. Yet somehow redhsirt junior backup quarterback Kenny Guiton, who said his career’s previous shining moment came in OSU’s glorified preseason scrimmage, orchestrated touchdown drives in regulation and overtime to lead the Buckeyes to victory. What did Meyer think the odds were of OSU pulling it out? “I knew it from -,” he said before stopping. He wanted to say he knew it was going to happen, that he had every confidence in the world that Guiton could do the job that his starter struggled to do all day. But instead he laughed. “I’m still trying to figure this bad boy out,” he said. “We won, right?” Meyer wasn’t so light-hearted in the moment. It took Guiton four drives before he finally broke through. The first drive ended when a field goal clanked off the left upright. The second ended in a safety, and the third in an interception. “He threw the pick, and I grabbed (Guiton), I said, ‘You’re going to go win us a game,’” Meyer said. There probably isn’t a coach in America that wouldn’t tell his quarterback the same thing in that situation. But what separates the good coaches from the great ones is the ability to make the players actually believe what they’re saying, even if they don’t believe it themselves. Somehow, Meyer was able to get that across to Guiton because he looked like a believer on his final two drives – both of which ended in touchdowns. Guiton isn’t the only one buying into what Meyer is selling. When he talks, people listen, and more importantly for a football team, they perform. When Meyer called out junior receiver Corey Brown for his lack of agility, he responded the next week by returning a punt for a touchdown. When Meyer lifted redshirt junior receiver Chris Fields from the irrelevance of the bottom of the depth chart, he plucked Guiton’s game-tying touchdown pass a moment before the ball hit the turf. At 8-0, most of the Buckeye faithful believes, too. Before Meyer and his team sang “Carmen Ohio” in front of the south stands, the fans that didn’t leave early began to chant, “Urban! Urban! Urban!” Meyer took a step forward, raised his arm and unleashed a Tiger Woods-style fist pump. The crowd went absolutely berserk. Meyer then raised his arms twice, culminating in a deafening cheer. The players broke from their Carmen formation and danced in celebration. It was euphoric, and Meyer was the catalyst of it all. The job Meyer has done is especially impressive given the context in which he’s done it. Offensive coordinator Tom Herman described his players as “a bit fragile” because of the tumultuous 2011 year that saw OSU have three head coaches and lose seven games, including a 24-17 defeat against Florida in the Gator Bowl on Jan. 1 Fragile players have fragile psyches and when things start to go wrong, it’s easy to throw in the towel. Last season, OSU played eight games that were decided by seven points or less and lost six of them. When one thing started to go wrong, the problems tended to snowball. Perhaps the best example is the last time Miller had to completely leave a game. When Miller was injured against Nebraska in 2011, the Buckeyes blew a 21-point lead and lost. “You’ve got to be part-psychologist throughout parts of the game and throughout parts of the week, because (the coaches) all know X, Y and Z are going to work, but it only works if the players believe it’s going to work,” Herman said. “I think that’s been as big of a change as any.” These players – whether it’s realistic or not – believe. When the situation gets tough, the players dig in for a battle. Every coach tries to create that type of environment, but not many are successful. It appears Meyer has been. “When it really gets really hard, the people that don’t work very hard just let go of the rope and do something else,” Meyer said. “If you hold onto the rope … and it’s amazing we did talk about it this morning in the hotel, the reason we do, it’s so hard. You come in February, March, when it gets so friggin’ hard, you can’t give in; you’ve got too much invested; that’s my opinion why they won the game.”