4) Lot 72 Trefychan-ar-Daf Dilys 7th, born 09/07/10, bred by exhibitor Nigel & Ben Morgans, Park View, Trevaughan, Whitland, Carms.
Steer class: 1) Lot 168 Morlais Look at Me, born 20/09/10, Bred by Hywel Rhys Davies and exhibited by I & A Lewis & Son, Gwarcoed Einon, Llanwenog, Llanybydder, Carms.
If yields are competitive, CARMs may be attractive to lenders because they require less paperwork to process and can reduce credit risk by making payments certain and/or lower.
Also, from the lender's perspective, CARMs may be attractive because they convert to fixed rates at the time of conversion.
June ladies champion Minda Guevarra was second runner-up this time on 355 and Carms
Lim third runner-up on 351.
Lexter Paul Atienza and Carms
Lim emerged champions in the OFBC Kalayn Cup 2014 one-day tournament at the Ice Land Bowling Center here.
First round results: Pool A, West Carms
39 Pembs 7; Pool B, Afan Nedd 13 Bridgend 3; Pool C, Cardiff & Vale 15 Rhondda 12; Pool D, Gogledd Cymru 20 Caerphilly 7.
In Pontyberem, Heart of Wales reached the Plate final after a 24-14 win over East Carms
with versatile Ebbw Vale Steelers Richard Addis claiming and Brecon centre Gethin Davies outstanding and on the scoresheet.
SIR - Last week I gave our postman a letter addressed: person's name, Gilfach, Cynghordy, Llandovery, Carms.
What kind of organisation can't find out where Carms, Llandovery and Cynghordy are?
Small and beautifully balanced but strong as an ox, McCarthy scored some dazzling tries as his side ran up a century of points in their three victories on the way to the final over Gwent (34-10), Gogledd Cymru (40-7) and East Carms (26-0).
One of six new College Cardiff players in the winning squad, McCarthy ran in a brace of tries against East Carms in the semifinal and then produced a clever chip-and-kick-through try to swing the game in Cardiff' favour in the final.