May 2019 - 71

Life Master Milestones

American Contract Bridge League, Inc.
STATEMENTS OF FINANCIAL POSITION
Years Ended December 31, 2018 and 2017
Assets
Current Assets
Cash and cash equivalents
Investments
Accounts receivable, net of allowance of 10,000
Due from affiliates
Prepaid expenses
Total current assets

2018

➤ continued from pg. 70

2017

$1,113,690
7,060,936
502,880
5,005
526,687
9,209,198

$1,731,542
7,118,194
532,764
-
474,435
9,856,935

4,401,953

4,794,127

$13,611,151

$14,651,062

Liabilities and Net Assets
Current Liabilities
Accounts payable and accrued expenses
$1,836,771
Accrued payroll liabilities
615,428
Accrued post-retirement healthcare benefits
68,386
Unredeemed Bridge Bucks and gift certificates
75,871
Deferred revenue
4,376,791
Due to units and districts
542,529
Due to affiliates
185,151

$ 760,300
671,050
108,989
109,578
4,335,018
543,762
219,159

Property and equipment, net
Total assets

Total current liabilities

7,700,927

6,747,856

2,191,669
1,223,338
207,746

2,002,061
1,485,316
192,612

3,622,753

3,679,989

Total liabilities

11,323,680

10,427,845

Net Assets
Without donor restrictions
With donor restrictions
Total net assets

2,142,492
144,979
2,287,471

4,044,143
179,074
4,223,217

$13,611,151

$14,651,062

Long-Term Liabilities
Deferred revenue
Accrued post-retirement healthcare benefits
Unit dues refunds payable
Total long-term liabilities

Total liabilities and net assets

This audited financial statement has been prepared in accordance with Generally
Accepted Accounting Principles and is consistent with IRS regulations.
ACBL members may request a copy of the full financial statement by contacting
ACBL Headquarters (see page 4). A service charge is required.

Stephen Vogel, Cincinnati OH
Betsy Braver, Oklahoma City OK
Jeannie Guthery, Tulsa OK
Floyd Pugh, Edmond OK
Andrew Nuxoll, Portland OR
Ted Runstein, Portland OR
Joan Goldstein, Philadelphia PA
James Gump, Pittsburgh PA
Carol Henderson, Pittsburgh PA
Nancy Tyson, Glenside PA
Morris Mitchem Jr., Columbia SC
Robert Wieboldt, Mount Pleasant SC
Deborah Armstrong, Dallas TX
Susan Fenton, Houston TX
Janet Hawk, The Hills TX
Keith Mond, Dallas TX
Yinghan Ding, Salt Lake City UT
Amy Brisson, Arlington VA
Carole Hamm, Fredericksburg VA
Gary Hinson, Springfield VA
Shiv Batra, Mercer Island WA
Susan Servais, Bellevue WA
Ann Swanson, Renton WA
Shauneen Wilson, Puyallup WA

Club and Cruise
Director Courses
The Club & Cruise Director Course
prepares candidates for directing club
and bridge cruise games. Includes the
ACBL Club Director test.

Fort Washington MD (Club)
June 28-July 1
Georgette Weiss 240-441-9885
campspringsduplicatebc@gmail.com
San Antonio TX (Regional)
June 29-July 1
Jerry Harrington 210-906-6301
jharring123@gmail.com

Refresher Course
Toronto ON (Club)
May 19
Martin Hunter 905-510-0441
martin.hunter@acbl.org
May 2019 Bridge Bulletin

71



May 2019

Table of Contents for the Digital Edition of May 2019

In First Seat - Paul Linxwiler
Inbox -Letters to the Editor
A message from the president
Las Vegas Hosts the Summer NABC
Part 1 of the NABC report
Three enter Hall of Fame
Have I got a deal for you! by Simon Cocheme
By Invitation Only by Mel Colchamiro
Bridge is a marathon event
ABTA Tips from the Teachers
Charity Game Winners
Club News
Ruling the Game
The Bidding Box
It's Your Call
Card Play 101 - by Phillip Alder
Parrish the Thought - Adam Parrish
Startup Bridge by Lynn Berg
Reasoning with Robert - Robert Todd
Ask Jerry - by Jerry Helms
Bidding Basics by Larry Cohen
Bidding Basics Quiz
International Fund WInners
Mike's Bridge Lesson - Mike Lawrence
Misplay these Hands with Me - by Mark Horton
Chalk Talk - by Eddie Kantar
West Hands - The Bidding Box
Boehm on Bridge - P is for Pass, Part 2- by August Boehm
The Real Deal - by Larry Cohen
Challenge of the Month
Out of Hand
Better Bridge with Bergen - Squeezes made easy (part 12) - by Marty Bergen
Bidding Matters - by Karen Walker
Test Your Play
Mike's Advice - by Mike Lawrence
East Hands -Bidding Box
Solutions to Test Your Play
My Bridge and Yours - by Frank Stewart
Dear Billy - by Billy Miller
Bridge with the Abbot - by David Bird
Election Notice
George's World - by George Jacobs
Big Games
New Life Masters
Life Master Milestones
Financial Statement
In Memoriam
Obituary - Sheila Rose Ekeblad (1940-2019)
Tournament Directory
May 2019 - 1
May 2019 - 2
May 2019 - 3
May 2019 - 4
May 2019 - 5
May 2019 - In First Seat - Paul Linxwiler
May 2019 - Inbox -Letters to the Editor
May 2019 - 8
May 2019 - A message from the president
May 2019 - Las Vegas Hosts the Summer NABC
May 2019 - 11
May 2019 - 12
May 2019 - 13
May 2019 - 14
May 2019 - 15
May 2019 - Part 1 of the NABC report
May 2019 - 17
May 2019 - 18
May 2019 - 19
May 2019 - 20
May 2019 - 21
May 2019 - Three enter Hall of Fame
May 2019 - 23
May 2019 - Have I got a deal for you! by Simon Cocheme
May 2019 - 25
May 2019 - By Invitation Only by Mel Colchamiro
May 2019 - 27
May 2019 - 28
May 2019 - 29
May 2019 - Bridge is a marathon event
May 2019 - 31
May 2019 - ABTA Tips from the Teachers
May 2019 - Charity Game Winners
May 2019 - Club News
May 2019 - 35
May 2019 - Ruling the Game
May 2019 - The Bidding Box
May 2019 - 38
May 2019 - 39
May 2019 - It's Your Call
May 2019 - 41
May 2019 - 42
May 2019 - 43
May 2019 - Card Play 101 - by Phillip Alder
May 2019 - Parrish the Thought - Adam Parrish
May 2019 - Startup Bridge by Lynn Berg
May 2019 - Reasoning with Robert - Robert Todd
May 2019 - Ask Jerry - by Jerry Helms
May 2019 - Bidding Basics by Larry Cohen
May 2019 - International Fund WInners
May 2019 - Mike's Bridge Lesson - Mike Lawrence
May 2019 - Misplay these Hands with Me - by Mark Horton
May 2019 - West Hands - The Bidding Box
May 2019 - Boehm on Bridge - P is for Pass, Part 2- by August Boehm
May 2019 - The Real Deal - by Larry Cohen
May 2019 - Out of Hand
May 2019 - Better Bridge with Bergen - Squeezes made easy (part 12) - by Marty Bergen
May 2019 - Bidding Matters - by Karen Walker
May 2019 - Test Your Play
May 2019 - Mike's Advice - by Mike Lawrence
May 2019 - Solutions to Test Your Play
May 2019 - My Bridge and Yours - by Frank Stewart
May 2019 - Dear Billy - by Billy Miller
May 2019 - Bridge with the Abbot - by David Bird
May 2019 - George's World - by George Jacobs
May 2019 - Big Games
May 2019 - New Life Masters
May 2019 - Life Master Milestones
May 2019 - 69
May 2019 - Financial Statement
May 2019 - 71
May 2019 - Obituary - Sheila Rose Ekeblad (1940-2019)
May 2019 - Tournament Directory
May 2019 - 74
May 2019 - 75
May 2019 - 76
May 2019 - 77
May 2019 - 78
May 2019 - 79
May 2019 - 80
May 2019 - 81
May 2019 - 82
May 2019 - 83
May 2019 - 84
https://www.nxtbook.com/acbl/bridgebulletin/2024_12
https://www.nxtbook.com/acbl/bridgebulletin/2024_11
https://www.nxtbook.com/acbl/bridgebulletin/2024_10
https://www.nxtbook.com/acbl/bridgebulletin/2024_09
https://www.nxtbook.com/acbl/bridgebulletin/2024_08
https://www.nxtbook.com/acbl/bridgebulletin/2024_07
https://www.nxtbook.com/acbl/bridgebulletin/2024_06
https://www.nxtbook.com/acbl/bridgebulletin/2024_05
https://www.nxtbook.com/acbl/bridgebulletin/2024_04
https://www.nxtbook.com/acbl/bridgebulletin/2024_03
https://www.nxtbook.com/acbl/bridgebulletin/2024_02
https://www.nxtbook.com/acbl/bridgebulletin/2024_01
https://www.nxtbook.com/acbl/bridgebulletin/2023_12
https://www.nxtbook.com/acbl/bridgebulletin/2023_11
https://www.nxtbook.com/acbl/bridgebulletin/2023_10
https://www.nxtbook.com/acbl/bridgebulletin/2023_09
https://www.nxtbook.com/acbl/bridgebulletin/2023_08
https://www.nxtbook.com/acbl/bridgebulletin/2023_07
https://www.nxtbook.com/acbl/bridgebulletin/2023_06
https://www.nxtbook.com/acbl/bridgebulletin/2023_05
https://www.nxtbook.com/acbl/bridgebulletin/2023_04
https://www.nxtbook.com/acbl/bridgebulletin/2023_03
https://www.nxtbook.com/acbl/bridgebulletin/2023_02
https://www.nxtbook.com/acbl/bridgebulletin/2023_01
https://www.nxtbook.com/acbl/bridgebulletin/2022_11
https://www.nxtbook.com/acbl/bridgebulletin/2022_12
https://www.nxtbook.com/acbl/bridgebulletin/2022_10
https://www.nxtbook.com/acbl/bridgebulletin/2022_09
https://www.nxtbook.com/acbl/bridgebulletin/2022_08
https://www.nxtbook.com/acbl/bridgebulletin/2022_07
https://www.nxtbook.com/acbl/bridgebulletin/2022_06
https://www.nxtbook.com/acbl/bridgebulletin/2022_05
https://www.nxtbook.com/acbl/bridgebulletin/2022_04
https://www.nxtbook.com/acbl/bridgebulletin/2022_03
https://www.nxtbook.com/acbl/bridgebulletin/2022_02
https://www.nxtbook.com/acbl/bridgebulletin/2022_01
https://www.nxtbook.com/acbl/bridgebulletin/2021_12
https://www.nxtbook.com/acbl/bridgebulletin/2021_11
https://www.nxtbook.com/acbl/bridgebulletin/2021_10
https://www.nxtbook.com/acbl/bridgebulletin/2021_09
https://www.nxtbook.com/acbl/bridgebulletin/2021_08
https://www.nxtbook.com/acbl/bridgebulletin/2021_07
https://www.nxtbook.com/acbl/bridgebulletin/2021_06
https://www.nxtbook.com/acbl/bridgebulletin/2021_05
https://www.nxtbook.com/acbl/bridgebulletin/2021_04
https://www.nxtbook.com/acbl/bridgebulletin/2021_03
https://www.nxtbook.com/acbl/bridgebulletin/2021_02
https://www.nxtbook.com/acbl/bridgebulletin/2021_01
https://www.nxtbook.com/acbl/bridgebulletin/2020_12
https://www.nxtbook.com/acbl/bridgebulletin/2020_11
https://www.nxtbook.com/acbl/bridgebulletin/2020_10
https://www.nxtbook.com/acbl/bridgebulletin/2020_09
https://www.nxtbook.com/acbl/bridgebulletin/2020_08
https://www.nxtbook.com/acbl/bridgebulletin/2020_07
https://www.nxtbook.com/acbl/bridgebulletin/2020_06
https://www.nxtbook.com/acbl/bridgebulletin/2020_05
https://www.nxtbook.com/acbl/bridgebulletin/2020_04
https://www.nxtbook.com/acbl/bridgebulletin/2020_03
https://www.nxtbook.com/acbl/bridgebulletin/2020_02
https://www.nxtbook.com/acbl/bridgebulletin/2020_01a
https://www.nxtbook.com/acbl/bridgebulletin/2019_12
https://www.nxtbook.com/acbl/bridgebulletin/2019_11
https://www.nxtbook.com/acbl/bridgebulletin/2019_10
https://www.nxtbook.com/acbl/bridgebulletin/2019_09
https://www.nxtbook.com/acbl/bridgebulletin/2019_08
https://www.nxtbook.com/acbl/bridgebulletin/2019_07
https://www.nxtbook.com/acbl/bridgebulletin/2019_06
https://www.nxtbook.com/acbl/bridgebulletin/2019_05
https://www.nxtbook.com/acbl/bridgebulletin/2019_04
https://www.nxtbook.com/acbl/bridgebulletin/2019_03
https://www.nxtbook.com/acbl/bridgebulletin/2019_02
https://www.nxtbook.com/acbl/bridgebulletin/2019_01
https://www.nxtbook.com/acbl/bridgebulletin/2018_12
https://www.nxtbook.com/acbl/bridgebulletin/2018_11
https://www.nxtbook.com/acbl/bridgebulletin/2018_10
https://www.nxtbook.com/acbl/bridgebulletin/2018_09
https://www.nxtbook.com/acbl/bridgebulletin/2018_08
https://www.nxtbook.com/acbl/bridgebulletin/2018_07
https://www.nxtbook.com/acbl/bridgebulletin/2018_06
https://www.nxtbook.com/acbl/bridgebulletin/2018_05
https://www.nxtbook.com/acbl/bridgebulletin/2018_04
https://www.nxtbook.com/acbl/bridgebulletin/2018_03
https://www.nxtbook.com/acbl/bridgebulletin/2018_02
https://www.nxtbook.com/acbl/bridgebulletin/2018_01
https://www.nxtbook.com/acbl/bridgebulletin/2017_12
https://www.nxtbook.com/acbl/bridgebulletin/2017_11
https://www.nxtbook.com/acbl/bridgebulletin/2017_10
https://www.nxtbook.com/acbl/bridgebulletin/2017_09
https://www.nxtbook.com/acbl/bridgebulletin/2017_08
https://www.nxtbook.com/acbl/bridgebulletin/2017_07
https://www.nxtbook.com/acbl/bridgebulletin/2017_06
https://www.nxtbook.com/acbl/bridgebulletin/2017_05
https://www.nxtbook.com/acbl/bridgebulletin/2017_04
https://www.nxtbook.com/acbl/bridgebulletin/2017_03
https://www.nxtbook.com/acbl/bridgebulletin/2017_02
https://www.nxtbook.com/acbl/bridgebulletin/2017_01
https://www.nxtbook.com/acbl/bridgebulletin/2016_12
https://www.nxtbook.com/acbl/bridgebulletin/2016_11
https://www.nxtbook.com/acbl/bridgebulletin/2016_10
https://www.nxtbook.com/acbl/bridgebulletin/2016_09
https://www.nxtbook.com/acbl/bridgebulletin/2016_08
https://www.nxtbook.com/acbl/bridgebulletin/2016_07
https://www.nxtbook.com/acbl/bridgebulletin/2016_06
https://www.nxtbook.com/acbl/bridgebulletin/2016_05
https://www.nxtbook.com/acbl/bridgebulletin/2016_04
https://www.nxtbook.com/acbl/bridgebulletin/2016_03
https://www.nxtbook.com/acbl/bridgebulletin/2016_02
https://www.nxtbook.com/acbl/bridgebulletin/2016_01
https://www.nxtbook.com/acbl/bridgebulletin/2015_12
https://www.nxtbook.com/acbl/bridgebulletin/2015_11
https://www.nxtbook.com/acbl/bridgebulletin/2015_10
https://www.nxtbook.com/acbl/bridgebulletin/2015_09
https://www.nxtbook.com/acbl/bridgebulletin/2015_08
https://www.nxtbook.com/acbl/bridgebulletin/2015_07
https://www.nxtbook.com/acbl/bridgebulletin/2015_06
https://www.nxtbook.com/acbl/bridgebulletin/2015_05
https://www.nxtbook.com/acbl/bridgebulletin/2015_04
https://www.nxtbook.com/acbl/bridgebulletin/2015_03
https://www.nxtbook.com/acbl/bridgebulletin/2015_02
https://www.nxtbook.com/acbl/bridgebulletin/2015_01
https://www.nxtbook.com/acbl/bridgebulletin/2014_12
https://www.nxtbook.com/acbl/bridgebulletin/2014_11
https://www.nxtbook.com/acbl/bridgebulletin/2014_10
https://www.nxtbook.com/acbl/bridgebulletin/2014_09
https://www.nxtbook.com/acbl/bridgebulletin/2014_08
https://www.nxtbook.com/acbl/bridgebulletin/2014_07
https://www.nxtbook.com/acbl/bridgebulletin/2014_06
https://www.nxtbook.com/acbl/bridgebulletin/2014_05
https://www.nxtbook.com/acbl/bridgebulletin/2014_04
https://www.nxtbook.com/acbl/bridgebulletin/2014_03
https://www.nxtbook.com/acbl/bridgebulletin/2014_02
https://www.nxtbook.com/acbl/bridgebulletin/2014_01
https://www.nxtbook.com/acbl/bridgebulletin/2013_12
https://www.nxtbook.com/acbl/bridgebulletin/2013_11
https://www.nxtbook.com/acbl/bridgebulletin/2013_10
https://www.nxtbook.com/acbl/bridgebulletin/2013_09
https://www.nxtbook.com/acbl/bridgebulletin/2013_08
https://www.nxtbook.com/acbl/bridgebulletin/2013_07
https://www.nxtbook.com/acbl/bridgebulletin/2013_06
https://www.nxtbook.com/acbl/bridgebulletin/2013_05
https://www.nxtbook.com/acbl/bridgebulletin/2013_04
https://www.nxtbook.com/acbl/bridgebulletin/2013_03
https://www.nxtbook.com/acbl/bridgebulletin/2013_02
https://www.nxtbook.com/acbl/bridgebulletin/2013_01
https://www.nxtbook.com/acbl/bridgebulletin/2012_12
https://www.nxtbook.com/acbl/bridgebulletin/2012_11
https://www.nxtbook.com/acbl/bridgebulletin/2012_10
https://www.nxtbook.com/acbl/bridgebulletin/2012_09
https://www.nxtbook.com/acbl/bridgebulletin/2012_08
https://www.nxtbook.com/acbl/bridgebulletin/2012_07
https://www.nxtbook.com/acbl/bridgebulletin/2012_06
https://www.nxtbook.com/acbl/bridgebulletin/2012_05
https://www.nxtbook.com/acbl/bridgebulletin/2012_04
https://www.nxtbook.com/acbl/bridgebulletin/2012_03
https://www.nxtbook.com/acbl/bridgebulletin/2012_02
https://www.nxtbook.com/acbl/bridgebulletin/2012_01
https://www.nxtbook.com/acbl/bridgebulletin/2011_12
https://www.nxtbook.com/acbl/bridgebulletin/2011_11
https://www.nxtbook.com/acbl/bridgebulletin/2011_10
https://www.nxtbook.com/acbl/bridgebulletin/2011_09
https://www.nxtbook.com/acbl/bridgebulletin/2011_08
https://www.nxtbook.com/acbl/bridgebulletin/2011_07
https://www.nxtbook.com/acbl/bridgebulletin/2011_06
https://www.nxtbook.com/acbl/bridgebulletin/2011_05
https://www.nxtbook.com/acbl/bridgebulletin/2011_04
https://www.nxtbook.com/acbl/bridgebulletin/2011_03
https://www.nxtbook.com/acbl/bridgebulletin/2011_02
https://www.nxtbook.com/acbl/bridgebulletin/2011_01
https://www.nxtbook.com/acbl/bridgebulletin/2010_12
https://www.nxtbook.com/acbl/bridgebulletin/2010_11
https://www.nxtbook.com/acbl/bridgebulletin/2010_10
https://www.nxtbook.com/acbl/bridgebulletin/2010_09
https://www.nxtbook.com/acbl/bridgebulletin/2010_08
https://www.nxtbook.com/acbl/bridgebulletin/2010_07
https://www.nxtbook.com/acbl/bridgebulletin/2010_06
https://www.nxtbook.com/acbl/bridgebulletin/2010_05
https://www.nxtbook.com/acbl/bridgebulletin/2010_04
https://www.nxtbook.com/acbl/bridgebulletin/2010_03
https://www.nxtbook.com/acbl/bridgebulletin/2010_02
https://www.nxtbook.com/acbl/bridgebulletin/2010_01
https://www.nxtbook.com/acbl/bridgebulletin/2009_12
https://www.nxtbook.com/acbl/bridgebulletin/2009_11
https://www.nxtbook.com/acbl/bridgebulletin/2009_10
https://www.nxtbook.com/acbl/bridgebulletin/2009_09
https://www.nxtbook.com/acbl/bridgebulletin/2009_08
https://www.nxtbook.com/acbl/bridgebulletin/2009_07
https://www.nxtbook.com/acbl/bridgebulletin/2009_06
https://www.nxtbook.com/acbl/bridgebulletin/2009_05
https://www.nxtbook.com/acbl/bridgebulletin/2009_04
https://www.nxtbook.com/acbl/bridgebulletin/2009_03
https://www.nxtbook.com/acbl/bridgebulletin/2009_02
https://www.nxtbook.com/acbl/bridgebulletin/2009_01
https://www.nxtbook.com/acbl/bridgebulletin/2008_12
https://www.nxtbook.com/acbl/bridgebulletin/2008_11
https://www.nxtbook.com/acbl/bridgebulletin/2008_10
https://www.nxtbook.com/acbl/bridgebulletin/2008_09
https://www.nxtbook.com/acbl/bridgebulletin/2008_08
https://www.nxtbook.com/acbl/bridgebulletin/2008_07
https://www.nxtbook.com/acbl/bridgebulletin/2008_06
https://www.nxtbook.com/acbl/bridgebulletin/2008_05
https://www.nxtbook.com/acbl/bridgebulletin/2008_04
https://www.nxtbook.com/acbl/bridgebulletin/2008_03
https://www.nxtbook.com/acbl/bridgebulletin/2008_02
https://www.nxtbook.com/acbl/bridgebulletin/2008_01
https://www.nxtbook.com/acbl/bridgebulletin/2007_12
https://www.nxtbook.com/acbl/bridgebulletin/2007_11
https://www.nxtbook.com/acbl/bridgebulletin/2007_10
https://www.nxtbook.com/acbl/bridgebulletin/2007_09
https://www.nxtbook.com/acbl/bridgebulletin/2007_08
https://www.nxtbook.com/acbl/bridgebulletin/2007_07
https://www.nxtbook.com/acbl/bridgebulletin/2007_06
https://www.nxtbook.com/acbl/bridgebulletin/2007_05
https://www.nxtbook.com/acbl/bridgebulletin/2007_04
https://www.nxtbook.com/acbl/bridgebulletin/2007_03
https://www.nxtbook.com/acbl/bridgebulletin/2007_02
https://www.nxtbook.com/acbl/bridgebulletin/2007_01
https://www.nxtbook.com/acbl/bridgebulletin/2006_12
https://www.nxtbook.com/acbl/bridgebulletin/2006_11
https://www.nxtbook.com/acbl/bridgebulletin/2006_10
https://www.nxtbook.com/acbl/bridgebulletin/2006_09
https://www.nxtbook.com/acbl/bridgebulletin/2006_08
https://www.nxtbook.com/acbl/bridgebulletin/2006_07
https://www.nxtbook.com/acbl/bridgebulletin/2006_06
https://www.nxtbook.com/acbl/bridgebulletin/2006_05
https://www.nxtbook.com/acbl/bridgebulletin/2006_04
https://www.nxtbook.com/acbl/bridgebulletin/2006_03
https://www.nxtbook.com/acbl/bridgebulletin/2006_02
https://www.nxtbook.com/acbl/bridgebulletin/2006_01
https://www.nxtbook.com/acbl/bridgebulletin/2005_12
https://www.nxtbook.com/acbl/bridgebulletin/2005_11
https://www.nxtbook.com/acbl/bridgebulletin/2005_10
https://www.nxtbook.com/acbl/bridgebulletin/2005_09
https://www.nxtbook.com/acbl/bridgebulletin/2005_08
https://www.nxtbook.com/acbl/bridgebulletin/2005_07
https://www.nxtbook.com/acbl/bridgebulletin/2005_06
https://www.nxtbook.com/acbl/bridgebulletin/2005_05
https://www.nxtbook.com/acbl/bridgebulletin/2005_04
https://www.nxtbook.com/acbl/bridgebulletin/2005_03
https://www.nxtbook.com/acbl/bridgebulletin/2005_02
https://www.nxtbook.com/acbl/bridgebulletin/2005_01
https://www.nxtbookmedia.com