first_imgThe Tallulah River near Clayton, Georgia is a classic in the Southeast paddling scene. This river is an excellent one for many reasons… proximity to Atlanta and Greenville, easy access via a massive metal staircase, five weekends a year of predictable flows released by the dam, beautiful class IV-V whitewater, and now a great festival during the spring releases.I was fortunate to get down to the Tallulah last weekend for two days of paddling and one night of… err festivaling.  It was awesome.  I saw so many faces that I haven’t been able to catch up with through the winter, and the weather and water could not have been better.For those of you who are not familiar with the Tallulah, its marquee feature is a rapid by the name of Oceana.  It is a beast of a rapid, dropping 50 feet down a giant slide, with the majority of the water piling against a rock shelf to create a phenomenon affectionately referred to as “The Thing.”  This shelf explodes whitewater 15 feet into the air, and reminds any prospective paddler that this is not a rapid to be trifled with.  Hitting The Thing would almost certainly result in leg and ankle injury, and there have historically been two lines: one down the center, and one down the far left.Last fall, Pat Keller pioneered a new line from left to right, crossing right in front of The Thing, and skipping into the built-up pool above it like a jet ski.  Check out Pat’s line here: ProLines from Isaac Levinson on Vimeo.This line was on my mind for a few weeks before the Tallulah release, but as many kayakers know, just because Pat can do something does not mean that you can.  Upon reaching that rapid, I scoped out the line for the better part of an hour before finally deciding that I was ready to go for it.  Fortunately for me, there happened to be a 50+ person peanut gallery to witness the carnage should I come up short and crash into The Thing!I came out of the eddy with my hair on fire and drove hard right over the first exploding wave.  From that point onward, I was running by feel, not able to see anything at all.  I felt my boat gain speed at an alarming rate, and took a stroke when I thought I would be hitting the dangerous lateral that could throw you off line.  Fortunately the timing worked, and before I knew it, my Dagger Nomad was skipping safely through the eddy to the right of The Thing, and flying off the last part of the drop in the center of the river.As I landed, I smiled and looked around in celebration, but was immediately slapped back into the safe but powerful hole at the bottom, and beaten for a good 20 seconds!The river will never cease to humble you, even in your most confident moments.  That line made my day, and I bombed down the rest of the river, across the lake, and jogged back up to my car at the putin still riding that buzz.I love kayaking.last_img read more

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Because of concerns over the threat of fraud during the COVID-19 pandemic, NAFCU credit union members have asked the compliance team when the reasonable cause to doubt collectibility exception hold described in section 229.13 of Regulation CC permits delaying the availability of funds. For example, can a credit union invoke the exception hold if the check is deposited by a member who caused the credit union a loss? Can a credit union rely on the exception hold if a check deposited includes routing information that has been found in other counterfeit checks deposited at the credit union?Sections 229.10 and 12 set forth Regulation CC’s general requirements for funds availability. Regarding checks, section 229.10 explains that certain types of check deposits (e.g., United States Postal Service money orders; United States Treasury checks; Federal Home Loan Bank or Federal Reserve Bank checks; state or local government checks; cashier’s, certified, or teller checks; on-us checks) may require next-day or second business day availability after the banking day of deposit if certain conditions are satisfied. Depending on the type of check, these conditions may include depositing the check in person, depositing the check into an account held by the payee, or both. Section 229.12 prescribes funds availability requirements for local checks (second business day following the banking day of deposit), which are defined in section 229.2(r), and deposits at nonproprietary ATMs (fifth business day following the banking day of deposit).Section 229.13 circumscribes the limited situations when a credit union can delay funds availability beyond what is required in sections 229.10 and 12. The reasonable cause to doubt collectibility exception is limited to circumstances in which there is an existence of facts that would cause a well-grounded belief in the mind of a reasonable person that the check is uncollectible. Moreover, “[s]uch belief shall not be based on the fact that the check is of a particular class or is deposited by a particular class of persons.” See, 12 CFR § 229.13(e)(1). continue reading »last_img read more