A utility cooperative is a type of cooperative that is tasked with the delivery of a public utility such as electricity, water or telecommunications to its members. Profits are either reinvested for infrastructure or distributed to members in the form of "patronage" or "capital credits", which are essentially dividends paid on a member's investment into the cooperative. Each customer is a member and owner of the business with an equal say as every other member of the cooperative, unlike investor-owned utilities where the amount of say is governed by the number of shares held.

Balluta Bay is a bay on the northeast coast of Malta within St. Julian's. It is a popular recreation spot used for swimming, diving, and water sports, with a triangular pjazza surrounded by cafes and shaded by Judas trees.

Its skyline is dominated by the neo-gothic Carmelite Parish Church and the stunning art nouveau Balluta Buildings, which are apartment buildings on the eastern shore, as well as a cluster of terraced townhouses in the local variant of Georgian-style architecture. The south shore of Balluta Bay features Le Meridien St. Julian's Hotel, built on the grounds surrounding the 18th century Villa Cassar Torregiani.

Water polo, or water ball, is a team water sport. The playing team consists of six field players and one goalkeeper. The winner of the game is the team that scores the most goals. Game play involves swimming, treading water (using a sort of kicking motion known as "eggbeater kick"), players passing the ball while being defended by opponents, and scoring by throwing the ball into a net defended by a goalie. "Man-up" (or "power play") situations occur frequently. Water polo, therefore, has strong similarities to the land-based game of team handball.

Six years ago, lawyer-banker-scholar Charles Morris wrote a prophetic book - 'Two-Trillion-Dollar Meltdown: Easy Money, High-Rollers and the Great Credit Crunch' - that foresaw the 2008 Great Recession before it clobbered America and the world. Now Morris has reversed course and sees good times ahead. His forthcoming book, 'Comeback,' predicts that surging U.S. energy independence will bring a buoyant rise in American manufacturing and jobs.

Ohio started the month of July with its pedal to the metal. The Buckeye State became the 34th state to adopt the 70 miles-an-hour speed limit. Drivers can now do up to 70 on more than 570 of Ohio's 1,332 miles of interstate highway. Congress repealed the 55 mph national limit in 1995. Despite predictions of calamity and carnage on the highways, the National Highway Traffic Safety Administration reported in October 1998 that "the traffic death rate dropped to a record low level in 1997". That pattern has continued since then.