Alvamar head pro Randy Towner begins his quest to return to the U.S. Senior Open at a qualifier at a course he knows well: Alvamar Country Club.

It can be easy to accumulate large credit card debts while in college.

Loan initiative Missouri businesses with five employees or fewer may apply for loans for between $2,500 and $25,000 as part of the new Missouri Small Business Loan Program. The loans typically will be repaid over 10 years at an interest rate of 3 percent, the state said. Applications are online at www.ded.mo.gov/Moloan/index.htm

The Fishing Tournament Trail will be printed every Tuesday during the fishing season. To report an upcoming tournament or results, call 816-234-4319 by noon Monday. Please spell names of first- and second-place finishers and provide their hometowns. Coming up

EVENTS SINGULAR BEAUTY: SIMPLE MICROSCOPES FROM THE GIORDANO COLLECTION: 9 a.m.-5 p.m.; Linda Hall Library of Science, Engineering and Technology, 5109 Cherry. www.lindahall.org (816-363-4600)

Bonner Springs : Sales only permitted between July 1 and July 4. Discharge only permitted between 9 a.m. and 11 p.m. on July 3 and 4. De Soto : Fireworks – except for bottle rockets – legal on private property on July 3 from 8 a.m. to 10 p.m. or July 4 from 8 a.m. to 12 p.m.

Lair named Royals' All-Star Among Us

For those who help put a bang in America's Fourth of July celebrations, business is still booming. There are scattered reports of communities and businesses canceling their fireworks displays because of the economic downturn, but those in the industry say they haven't seen a significant drop this year.

The Hays Daily News (http://www.hdnews.net) offers news and information for Hays and Northwest Kansas. Your source for news and information in Northwest Kansas.

Town & Country Bank has entered into an agreement with bank regulators to strengthen its loan portfolio and its lending practices.