text:
Johan Göransson Gyllenstierna, född 18 februari 1635 på Älvsjö gård i Brännkyrka socken vid Stockholm, död 10 juni 1680, var en svensk friherre och senare greve av ätten Gyllenstierna. Gyllenstierna var riksråd och Karl XI:s gunstling vilket gjorde honom till en av Sveriges mäktigaste män vid sin död. Han var son till amiral Göran Göransson Gyllenstierna den äldre och bror till Jöran Gyllenstierna. Han var ogift.

Biografi
På hemvägen efter en utlandsresa sedan han avslutat sina studier vid Uppsala universitet sammanträffade Gyllenstierna med Karl X Gustav på de danska öarna 1658. Han utsågs av kungen till kammarherre och fick övervara förhandlingarna i rådet. År 1660 utnämndes Gyllenstierna till kansliråd av Karl X Gustav. Vid riksdagens samma år och den fyra år senare den följande 1664 års riksdag framträdde han som huvudman för den yngre och lägre adeln i dess strid mot de äldre grevliga och friherrliga ätterna, vilkas rättigheter han, trots att han själv var högättad, ville inskränka. År 1664 förde han även fram krav på att delar av adelns gods skulle återföras till kronan.

För att oskadliggöra honom och hans agenda utnämnde högadeln honom 1666 till hovkansler och vid 1668 års riksdag  till lantmarskalk. Vid riksdagens slut inkallades han av Karl XI:s förmyndarregeringen i riksrådet, där han snart framträdde som den mest hängivne motståndaren till rikskanslern Magnus Gabriel De la Gardies franskvänliga politik.

Gentemot dennes lättsinniga utrikespolitik och slösaktiga inrikespolitik yrkade Gyllenstierna, att Sverige väl utåt skulle hävda sitt anseende men inte onödigtvis kasta sig in i äventyrligheter, och att man skulle göra sig beredd att möta eventuella yttre faror genom ordning och sparsamhet i statsförvaltningen. Alla hans varningar till trots, kom dock 1672 det franska förbundet till stånd, och Sverige blev därmed snart indraget i ett krig, som till det yttersta skulle pröva landets krafter.

Gyllenstierna var dock en av dem, som i dessa kritiska tider skulle i främsta ledet visa prov på sinnesnärvaro, rådighet och uthållighet. Under det skånska fälttåget ställd vid Karl XI:s sida, lyckades Gyllenstierna till den grad vinna konungens öra, att han slutligen blev den ende och allsmäktige ledaren av hans vilja. Också hade han under samma krig gjort landet och konungen ovärderliga tjänster. Det var han, som jämte Ascheberg tillstyrkte och påskyndade tåget inåt Halland, som kröntes med segern i slaget vid Halmstad. Vidare var det han, som jämte Erik Dahlbergh med beundransvärd skyndsamhet samlade och ordnade den här, varmed konungen vann den avgörande segern i slaget vid Lund och återtog Skåne. Och slutligen var det Gyllenstierna, som i spetsen för en hop smålandsbönder återtog Blekinge och ryckte Kristianopel och Karlshamn ur danskarnas händer.

Gyllenstierna, vilken 1674 förlänades grevlig värdighet, var 1679 Sveriges befullmäktigade ombud vid fredskongressen i Lund, där han även lyckades åstadkomma en överenskommelse om gemensam utrikespolitik mellan de nordiska rikena. Han lyckades även få till stånd en myntkonvention, som röjde en för tidens förhållanden framsynt blick.

I Skåne försökte Gyllenstierna genom det så kallade edkrävartåget 1677 förmå bönderna att förhålla sig lojala mot den svenska kronan. Han lade också ned mycket möda på landskapets försvenskning. Gyllenstierna fick av kungen i uppdrag att finna en lämplig plats för en ny örlogshamn och hans val föll på Trossön – nuvarande Karlskrona – i Blekinge.

1679 utnämnd till generalguvernör över de forna danska provinserna, fick Gyllenstierna ej uppleva verkställigheten av sina omfattande planer. 1680 angreps han av en häftig sjukdom, som lät ana hans nära förestående död. Själv hoppades han i det längsta på sin förbättring. Men allt tätare slöt sig dödens skuggor omkring hans läger, och den även i lekamligt hänseende så kraftfulle mannen måste nedstiga i graven vid fyrtiofem års ålder i Landskrona 10 juni 1680.

Historisk värdering
Johan Gyllenstiernas eftersträvade en självständig politisk ställning för Sverige, att göra landet oberoende av främmande makter och betrygga dess framtid genom ett nära förbund med Danmark och genom en stark krigsmakt, som huvudsakligen borde bestå i ett väl ordnat sjöförsvar. Men för att detta skulle låta sig göra, ansåg han att det var nödvändigt att underkasta rådet en undersökning för dess förmyndareförvaltning, att företaga en reduktion av de till adeln förlänade kronogodsen och överlämna hela makten i konungens hand.

Runt detta råder det stor enighet i källorna, däremot råder det mer delade åsikter om hans motivation och karaktär. Hans fysionomi var grov och storvuxen vilket tillsammans med Johans lite plumpa och framfusiga sätt att uttrycka sig ledde till öknamnen Grov-Jan och Starke-Jan, samt det ännu mindre smickrande, grobian. Enligt uppgift ska drottning Kristina aldrig ha tålt honom på grund av hans ohyfsade seder, men detta var en del av propagandan mot honom. .

Det fanns någonting i Gyllenstiernas personlighet, som mäktigt tilltalade konungen. Hans kraftfulla beslutsamhet, fria umgängessätt och flärdfria uppträdande – i allt detta rådde en stor överensstämmelse mellan honom och Karl XI, som bidrog i väsentlig grad att ge honom den senares välvilja. I samma mån Gyllenstierna kände sig fast i konungens förtroende, ju tydligare framställde han för denne sina planer. Johan var mot slutet av sin levnad en mycket mäktig man, sannolikt efter kungen den mäktigaste i Sverige.

Gyllenstierna hade en ovanlig förmåga att härska, men kanske en ännu häftigare åtrå att vara ensam om härskaremakten. Det öppenhjärtiga eller rättare framfusiga sätt han av naturen hade och kanske med flit bibehöll troddes av många vara antaget endast för skens skull och för att så mycket lättare narra de godtrogna. I sin samtid ansågs han av sina fiender vara falsk, maktlysten och opålitlig, vilket en del äldre historieskrivare tagit till sig.

Eftermäle
Gyllenstiernsgatan i Stockholm är uppkallad efter honom.

Se även
Norrfinne lagsaga

Vidare läsning

Noter

Hovkanslerer
Lantmarskalkar
Svenska riksråd under 1600-talet
Svenska generalguvernörer
Svenska grevar
Födda 1635
Avlidna 1680
Män
Deltagare i slaget vid Lund
Personer från Brännkyrka socken
Deltagare i slaget vid Halmstad
Lagmän i Finland
Karl IX:s hov


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text:
Tsai Ing-wen does not want to "downgrade" Taiwan and wants dialogue with Beijing
Beijing must resolve to live peacefully alongside Taiwan, which will never accept Chinese rule, said Taiwanese President Tsai Ing-wen on Wednesday (May 20th) during her invest…
Tsai Ing-wen (our photo), re-elected in January 2020, is the bane of mainland China because she considers her island to be a sovereign state. REUTERS / Ann Wang
Text by: RFI Follow
Beijing must resolve to live peacefully alongside Taiwan, which will never accept Chinese rule, Taiwanese President Tsai Ing-wen said on Wednesday, when she was sworn in for a second term.
The Chinese central government defends the idea for Taiwan of the "One country, two systems" model, like that in force in Hong Kong, under which the island would keep its freedoms while submitting to Beijing. A solution rejected by Tsai Ing-wen, the 63-year-old president, this Wednesday, May 20, during her inauguration for a second mandate. " We will not accept the Chinese authorities' use of one country, two systems" to downgrade Taiwan and undermine the status quo between the two sides of the strait, "she said.
Offer of dialogue
The leader reiterated her offer of dialogue with Beijing and invited Chinese President Xi Jinping to work with her to reduce tensions. " Both sides have a duty to find a way to coexist in the long term and to prevent the antagonism and differences from getting worse, " she added.
Tsai Ing-wen, re-elected in January 2020, is the bane of mainland China because she considers her island to be a de facto sovereign state , and that she firmly rejects the Chinese vision of a "single China". Since its election in 2016, China has excluded any offer to negotiate with Taiwan and intensified economic, military and diplomatic pressures against an island which it still sees as a rebel province called to return to the fold of the motherland, by the force if necessary.
Taiwan was at the end of the Chinese civil war in 1949 the refuge of the nationalists of the Kuomintang led by Tchang Kaï-chek and defeated by the Communists, and the base of the "Republic of China", which wanted to be the legitimate continuity of the first Chinese republic proclaimed in 1912 in Nanjing. Over the decades, especially after the state of emergency was lifted on the island in the 1990s, a distinct Taiwanese identity has emerged, and many Taiwanese people no longer want reunification with Beijing. An evolution that worries Beijing, which sees any formal declaration of independence as a red line.
Read also: Coronavirus: four Asian democracies at the forefront of the fight against Covid-19
The Taiwanese government has won admiration from many capitals for its very effective management of the coronavirus epidemic. The island, yet very close to the Chinese focus of the pandemic, totals 400 cases and seven deaths. " Taiwan's name has made headlines around the world because of the effective containment of the epidemic, " said Ms. Tsai. As a health precaution, supporters of the president were asked not to come to the inauguration ceremony. And the guests were placed on separate 1.5-meter chairs.
( with AFP )
Read also: Coronavirus: in Taiwan as in South Korea, tracing is not in debate
Newsletter Receive all international news directly in your mailbox
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Taiwanese regret failure to help fight coronavirus at WHO
Hong Kong activist Lam Wing-Kee reopens bookstore in Taiwan
Source: rfi
All news articles on 2020-05-20
News/Politics 2020-05-20T06:23:00.276Z
Taiwan: President Tsai challenges Beijing by rejecting the principle "one country, two systems"
Taiwan: the epilogue of the presidential campaign takes place in Kaohsiung
Tsai Ing-wen participates in the "Indo-Pacific Security Dialogue" taking the opportunity to "perform" netizens satirize
President Cai of Taiwan "Dialogue on an equal footing with China" Military threats Self-restraint
Tsai Ing-wen appoints Li Dawei as secretary-general of the Cai Office. Taiwan media: DPP factions intensify fighting
Ma Ying-jeou criticized Tsai Ing-wen for "committing three major mistakes"
Tsai Ing-wen's cousin's appointment has caused controversy
Is participating in the WHO in the name of "Chinese Taipei" a "sell Taiwan"? Ma Ying-jeou strikes back
Spanish police: Niko Ranta-aho prepared to flee Africa
10 skiers buried in an avalanche in a ski resort in Switzerland, 1 dead
Fire near Capitolium - several evacuated
Russia expels two Dutch diplomats in response to AIVD action
False judgments in Paris airport new crown test, 49 Chinese passengers tested positive
Actor Jean-Pierre Bacri has died
Collision of two cargo ships on the Weser
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Mapping: Here people say bob and here snowracer
Sewer operation: Madrid is going to clean the 404 in which there are dams when it rains a lot
High school girl quadriplegia with vehicle'cutting'... 靑 "Strengthening the crackdown"
Can I still walk Rex? Five questions about the curfew that may be coming
Putin has not yet planned contacts with Biden or Trump
Can a person who received the Corona vaccination transmit the virus to others?
The Independent: Vaccinating refugees and displaced people is a global imperative to protect people from Corona
News/Politics 2021/01/19

redpajama_set_name: RedPajamaCommonCrawl


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Here are my five tips for making the most out of your summer, especially if you aren't doing a summer intensive.
1. Stretch like nobody is watching- Even if you are already flexible, stretch. The summer is the best time to work on weak points and stretch multiple times a day, so take advantage of it.
2. Put on your yoga pants- Yoga is a great thing to do to keep yourself in shape over the summer. It will work your flexibility in new ways and will help you strengthen. It is also a good warm up for your stretch session.
3. Take your medicine- Do the things you hate, but are necessary. This summer I'm working on my adagio and how to reach my full extension. Summer is the perfect time to make yourself do things you don't care for, but need to work on.
4. Do some abs and back ups- There is no need to be working out intensely everyday to stay in shape over the summer. The things I would make sure you aren't skipping out on is abs and back. This is your core and center, what sustains you in ballet, so be sure to keep them in check with back-ups and crunches. It will make coming back in the fall easier.
5. Give a mini barre- Give yourself some barre everyonce in awhile. You should do this just to be sure you can still access your turnout, work through your feet, etc. It doesn't have to be hard or complicated.
6. Take some classes- Try your hardest to find at least a couple classes to take. They don't need to be high quality or a regular thing, but take something to keep yourself in check. Look at other smaller studios for these classes.
I know this was short, but I hope this post helped you out. Check back next Monday!


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redpajama_set_name: RedPajamaGithub


HP Design Jet Z5400/Z5400 OEM carriage belt kits are replaced, preventive maintenance provided, covers are cleaned, belt debris is removed when needed and metal parts are lubricated on every HP plotter repair.
HP DJ Z5400 system error 01:10 A problem with the Electronics module has occurred.
HP Z5400 System error 01:11 The electronics module has detected a connection problem with the cooling fan.
HP Z5400 System error 01:12 The EEROM is not configured correctly.
HP DJ Z5400 System error 01:13 A problem with the Electronics module has occurred.
System error 05:09 (DJ Z5400 only) Formatter installed instead of HP-GL/2 accessory card.
System Error 17:11(DJ Z5400 only) A problem has been detected while initializing.


There is quite an odd looking fountain structure here. There was a bit of road closure today due to the National Day Parade. I spotted attendees in red taking the MRT from Promenade Station.
This is what driving on Singapore roads is like. Just an ordinary day. You always spot a yellow crane or some form of construction. But our roads are pretty clean and relatively pot hole free.
This is the first year I am noticing such huge flags, probably put up by the grassroots organizations.


text:
Listen Module 3 – SLP Balance Sheet We're continuing to analyze the
Module 3 – SLP
We're continuing to analyze the same company as in Modules 1 and 2.
Additional information added in Module 2
One client indicated that they were interested in purchasing $42,500 worth of products. However, the client has not actually committed to the purchase.
The bookkeeper already corrected the sales account. However, the bookkeeper may have made a mistake when computing cost of goods sold. She included total production costs for 2014 and did not adjust ending inventory for the $42,500 worth of units left at the end of the year. The amount of ending inventory was determined using a physical count.
Additional information for Module 3
The company made a secondary offering of stock and raised an additional $180,000 which includes $150,000 of Paid-in Capital.
The company had already paid $15,000 in dividends before deciding on the offering.
The company now has cash to invest in a piece of raw land on which to build in the future. The investment takes place before year end. The cost of the land is $400,000, the down payment is $40,000 and a note to the bank covers the rest.
Nybrostrand Company
Trial Balance (accounts in alphabetical order)
Depreciation expense
Equipment (net of depreciation)
Paid-in capital
SLP Assignment Expectations
Prepare a balance sheet for the company in good format. Update the balance sheet for the changes to income in Module 2 and also consider the effect of paying the dividend. You do not need to include the income statement.
The submission should be 2- to 4-pages and need to include answers to all the questions listed above. Show computations, discuss the results, and include references in APA format.[supanova_question]
The first element of managerial accounting is cost behavior within an organization.
Writing Assignment Help The first element of managerial accounting is cost behavior within an organization. Management analysis of cost behavior influences cost classifications and decisions made in order to control costs. This module covers two main concepts—cost management and how it is used in strategic decision making. In any strategic decision making, ethics always should be top priority. Not only is making ethical decisions the correct thing to do, but it is also key to running an efficient, long-term business.
For example, assume you are in charge of the pharmacy in a hospital. In your role as manager, you need to help control the cost of medications administered to patients. Many of these drugs are very expensive and are never fully reimbursed by the patients' insurance companies. One day, an individual offers to sell you the required medications for exactly one-half of the cost currently paid. This individual represents a company that has had significant issues with timely delivery in the past and that has been subject to multiple lawsuits by other hospitals. The company's failure to deliver the drugs on time had caused significant patient-care issues within those hospitals. Strictly from a cost standpoint, you might think it would be sensible to switch to this vendor. However, ethically, is it appropriate to make the switch that may save cost but also risk the well-being of patients?
Strategic decisions are the most important decisions a company can make because they dictate future decisions and level of organization performance. Some common examples of strategic decisions include:
Finding or seeking out new business opportunities that will allow the organization to grow and expand
Responding to any threats to competitive advantage to protect the company's place in the industry
Creating goals related to the performance of the organization and finding ways to reach these goals in a reasonable time frame
There are many other strategic decisions not listed that companies make on a daily basis.
Cost management is made up of three parts:
A philosophy to increase customer value while keeping costs at a minimum
An attitude that accepts all decisions made by management will incur a cost
Techniques to allow an organization to increase customer value while at the same time reducing costs
In order to do these three things, managers must always collect and interpret information to find alternate ways of doing business. One common way of doing this is through a cost-benefit analysis. A cost-benefit analysis is used to assess the believed benefits and costs of a business move. If the benefits outweigh the costs, the decision will be considered beneficial. If the costs outweigh the benefits, the decision will not be considered worthwhile.
Using the navigation on the left, please proceed to the next page.[supanova_question]


Category Archives for "Company formation"
They won't charge much more but won't do it unless you ask. They work on wafer-thin margins but you shouldn't!
Also ask for minimum 10% replacement packaging (to replace damaged packaging) to be sent along with your products to your warehouse in USA or to your home/office/warehouse in the UK (eg 500 units order, add 50 spare packaging boxes). 15%-20% is safer.
Q2: Has anyone used AMZTracker for reviews? How many reviews can I get from 50 coupons given away? How fast do reviews come?
A2: I've tried Snagshout (several promos), Tomoson (2 or 3 times) and AMZTracker (maybe 10-15 times!). I must say, AMZT is the cheapest/easiest and mostly the best. I'm wary of Amazon review clubs, so haven't used them.
The simple answer is about 66%-70% so probably about 35 reviews from 50 giveaways.
Generally reviews should be mostly done within 2 weeks – many within a week.
Don't get too obsessed with Review NUMBERS only; pay attention to the AVERAGE review (e.g. 4.8 stars) and the quality of individual reviews: plenty of detail is important now. Photos are good. Videos even better. AMZTracker seems to give good detailed reviews but the reviewers can be critical.
To ask your own question, join the Amazing FBA Facebook Group.
Q3: Anyone fulfilling from the US to the UK?
A3: Broadly speaking – don't! Get the Chinese (or US) suppliers to send directly to Amazon USA.
If you have inventory in the UK and want to send it to the USA as a test order, I'd use DHL or UPS.
BUT Air freight is often similar to or more than actual manufacture costs. Then you have duty, warehousing costs and Amazon inbound shipping to pay. So for anything over say 10-40 units (depending on size and weight of course), it's probably cheaper and easier to go back to your Chinese supplier.
Q4: Is it worth using FBA Inspection's photography service or is it better to use a proper professional photographer?
A4: I would personally use my product sample with the best pro photographer you can afford. I use Brian Cottam (and so have several members of this group, with great results).
I haven't used FBA Inspection for product shots so I can't speak from experience, but I would stick to using FBAI to just photograph any flaws with the product.
Also I would suggest getting someone in the same time zone or even similar area. A relationship with a great photographer is a crucial asset in your business. If you get a chance to meet them physically at least once, it's a great bonus.
Q5: Do I need to be registered as a company or sole trader to set up my Amazon seller account? Do I need a reg business number?
A5: You can set up on Seller Central and change over from Sole Trader to company pretty easily.
I did this myself (although it was about 18 months ago or so).
The simplest path is to start off as a sole trader. If you don't have much time or business experience, I recommend it.
However, setting up a company is simple and quick. I used Companies Made Simple (as recommended by my accountant, Penny Lowe).
3. Annual accounts (with Companies House) (also use an accountant).
This is more work than a personal tax return. However, you'll probably need to use an accountant either way. AND you will be able to separate your business and personal tax situation, which is HIGHLY advisable!
This can wait till you've proven the market so don't get stuck on this. But if you're more serious/have more time/are putting more money in, I'd advise this route.
This will help you to download the free Podcasts App (produced by Apple) and then subscribe to the show from within that app. Every time I produce a new episode, you'll get it downloaded right on yt sentence.


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Guha's childhood is probably typical of most Indian boys of a middle-class family. He enjoyed hanging out with his friends and showed a keen interest in playing soccer. Although he initially refused to take his studies seriously, he was a bright student and had a natural inclination towards the sciences. He taught himself calculus to understand the works of Albert Einstein, which fascinated him deeply. Physics came quickly to him, and he enjoyed the subject, which is the main reason he decided to make it his profession later in life.
At the age of 17, Guha attended the prestigious Presidency College in Kolkata. Soon he began to experience an inner dilemma: "How can one aggressively pursue one's career and at the same time be sensitive and kind to the suffering people?" He became involved with a political party that addressed the freedom of the poor and oppressed. At the age of 21, after leaving home and studies, he ended up in Varanasi as a fugitive. It was here that his passion "to find out the meaning and purpose of life" was ignited. He studied Indian philosophy and Zen Buddhism in the library of Benares Hindu University. Later, in Bangalore, he became acquainted with the works of Jiddu Krishnamurti. He felt that J. Krishnamurti best addressed his inner struggle and this sparked an interest in him to inquire even deeper into his nature.
In his pursuit, Guha became well acquainted with all aspects of spiritual practice, but to no avail. He observed in himself, that even though he had many great meditative experiences, nothing had changed in him—he was still struggling, still in conflict.
"Each one of us is a unique creation of nature and an incomparable movement. A great intelligence is continuously working to maintain this living movement and its equilibrium with the external world. If somehow, a "complete trust"—in Bengali we call it puripurno astha—develops in us, then the naturally induced order, preprogrammed at birth, will begin to unfold. The internal power of that order is far beyond our imagination, its exhibition and extension are incomprehensible. Life then falls into its natural rhythm, and the system begins to function in a very different way."
Guha emphatically says that he is not defending anything. He does not want to promote anything or anybody or any idea. This website was created solely because of a genuine expression of interest in wanting to hear what Guha has to say and to make it readily available for anyone wishing to explore further.


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Der Begriff Chief Marketing Officer (CMO), zu deutsch etwa Marketingleiter, ist die englischsprachige Bezeichnung für den Leiter der Marketingabteilung eines Unternehmens. Er ist für die Bereiche Produkt- und Preispolitik sowie Kommunikations- und Distributionspolitik verantwortlich.
Die aus dem amerikanischen bzw. angelsächsischen Raum stammende Bezeichnung, setzt sich – aufgrund der Globalisierung und Internationalisierung – immer mehr auch als Tätigkeitsbezeichnung im deutschsprachigen Raum durch. Hierbei werden auch Marketing- bzw. Imageaspekte verfolgt.
Die Rolle des Leiters der Marketingabteilung ist mit primärer- oder in geteilter Verantwortlichkeit in den Bereichen Verkauf, Produktentwicklung, Vertriebswegmanagement, Öffentlichkeitsarbeit, Vertriebsmitteilungen, Kalkulation, Marktforschung und Kundendienst zu sehen.
CAO | CBO | CCO | CDO | CEO | CFO | CHRO | CIO | CISO | CKO | CLO | CMAO | CMO | CNO | COO | CPO | CQO | CRO | CSO | CTO | CVO
Chief Master Sergeant of the Air Force
Chief marketing officer — (CMO) is a corporate title referring to an executive responsible for various marketing activities in an organization. Most often the position reports to the chief executive officer. Contents 1 Role 2 Challenges 3 CMO Associations 3.1 … Wikipedia
Chief executive officer — Chief Executive redirects here. For other uses, see Chief executive (disambiguation). CEO and CEOs redirect here. For the island, see Ceos. For the musical project, see ceo (musician). A chief executive officer (CEO, American English), managing… … Wikipedia
Chief analytics officer — (CAO) is a job title for the senior manager responsible for the analysis of data within an organization, such as a listed company or an educational institution. The CAO often reports to the chief executive officer. This position, along with that… … Wikipedia
Chief channel officer — (CCO) is a corporate title for the person responsible for all indirect revenue with a partner within an organization. The Channel Chief typically reports to the chief executive officer (CEO) as a corporate officer or to the Chief operating… … Wikipedia
Chief information officer — (CIO), or information technology (IT) director, is a job title commonly given to the most senior executive in an enterprise responsible for the information technology and computer systems that support enterprise goals. The title of Chief… … Wikipedia
Chief business officer — is a term used to describe the position of the top business and operating executive of an academic or research institution such as a university, college, institute or teaching hospital. The chief business officer title is becoming more… … Wikipedia
Chief science officer — (CSO) is a position at the head of scientific research operations at companies performing significant scientific research projects. In some organizations, the same person may hold this title along with that of Chief Technology Officer (CTO).… … Wikipedia
Chief product officer — (CPO), sometimes designated as chief production officer is a corporate title referring to an executive responsible for various product related activities in an organization. Most often the position reports to the chief executive officer. Role A… … Wikipedia
Chief commercial officer — The chief commercial officer (CCO) is an executive level position whose occupant is responsible for the commercial strategy and development of an organization. It typically involves activities relating to marketing, sales, product development and … Wikipedia
Chief customer officer — A chief customer officer (CCO) is the executive responsible in customer centric companies for the total relationship with an organization's customers. This position is relatively new addition in the CxO hallway, and was developed to provide a… … Wikipedia


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Home /Glickenhaus to Bring Back the Original Ferrari California
ExoticsJuly 17, 2018
Glickenhaus to Bring Back the Original Ferrari California
Well, sort of. Scuderia Cameron Glickenhaus, the makers of some of the most exquisite Ferrari-based road and racing cars ever, has announced a new project which is a "low volume" retro sports car that looks a helluva lot like the original Ferrari California 250GT Spider. Given that the original is a $15 Million+ car these days, we reckon Glickenhaus SCG 006, with a projected price of around $250K, is going to find a lot of admirers.
We are certainly hooked seeing just one picture of the thing, and we don't even dig those side exhaust pipes that are sure to burn many ankles. One would think those side pipes were needed because if it were not for them the SCG 006 would have looked too like the original Ferrari California and it would not have sat well with Ferrari. But the side piping notwithstanding, the rest of this two-seater sports car is absolutely gorgeous and utterly irresistible.
As for the technical highlights, where as the original Ferrari California Spider was a V12, the Glickenhaus SCG 006 will get a Chevy LT4 V8 Supercharged unit with 650 horsepower. The car, which also boasts a 6-speed manual gearbox and a carbon fiber body will be road legal in all states except, ironically, in California. But that is a problem Glickenhaus is working to remedy.
Looking at this thing we can't help thinking this could be the Singer 911 of vintage Ferraris. It could be a whole new niche for Glickenhaus who has the means and the expertise to restomod classic Ferraris and turn them into works of art.
Arman Barari
(Founder / Chief Editor / Journalist) – Arman is the original founder of Motorward.com, which he kept until August 2009. Currently Arman is our chief editor and is held responsible for a large part of the news we publish.
Car Tuning in the UK…
SF90 Stradale – The Ferrari…
Lister Shows a Viable Way…
Tuning à la Smartphone: Upgrading…
Karma Hooks Up with Pininfarina…
Brabus 700 WIDESTAR Based on…
Hennessey Goliath 6×6 Based on…
AC Schnitzer BMW X4 –…
Car Tuning in the UK – What you need to know
SF90 Stradale - The Ferrari of Hybrids
Lister Shows a Viable Way to Preserve Vintage Sports Car Brands
Tuning à la Smartphone: Upgrading Cars Via Apps
Karma Hooks Up with Pininfarina In Latest Strategy Move
Brabus 700 WIDESTAR Based on 2019 Mercedes-AMG G63
Hennessey Goliath 6x6 Based on 2019 Chevy Silverado
Discuss Here


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1 – 10 of over 16000
Did agricultural technological changes affect China's regional disparity?
Xiaoyun Liu, Xiuqing Wang and Xian Xin
China's agricultural sector has developed very rapidly in the past 30 years and agricultural technological progress is deemed one of the most substantial factors leading…
China's agricultural sector has developed very rapidly in the past 30 years and agricultural technological progress is deemed one of the most substantial factors leading to its rapid agricultural GDP growth. The purpose of this paper is to assess the impacts of China's agricultural technological changes on its regional disparity.
The study uses a computable general equilibrium (CGE) model of multiple regions and multiple sectors to investigate the impacts of agricultural technological changes on regional disparity. The CGE model structure includes production side, demand side, and market clearing conditions.
The results suggest that agricultural technological changes significantly reduced China's agricultural regional disparity and accounted for 40 percent reduction in agricultural regional disparity in terms of agricultural GDP per capita. Agricultural technological changes, however, led to an increase in China's overall regional disparity and accounted for 6 percent increase in its overall regional disparity in terms of per capita GDP.
China's GDP has been growing very rapidly since 1978 and agricultural GDP has been playing a decreasing role in China's overall GDP. Regional disparity in non‐agricultural GDP per capita overweighted the equalization of agricultural GDP per capita. The results imply that the Chinese government should resort more to non‐agricultural development to fight against the enlarging regional disparity.
China's agricultural technological changes have led to an increase in China's overall regional disparity while the changes have significantly reduced China's agricultural regional disparity.
China Agricultural Economic Review, vol. 4 no. 4
Agricultural technological change
Regional disparity
General equilibrium model
INTERSECTIONALITY AND WOMEN'S HEALTH: CHARTING A PATH TO ELIMINATING HEALTH DISPARITIES
Lynn Weber and Deborah Parra-Medina
Scholars and activists working both within and outside the massive health-related machinery of government and the private sector and within and outside communities of…
Scholars and activists working both within and outside the massive health-related machinery of government and the private sector and within and outside communities of color address the same fundamental questions: Why do health disparities exist? Why have they persisted over such a long time? What can be done to significantly reduce or eliminate them?
Gender Perspectives on Health and Medicine
DOI: https://doi.org/10.1016/S1529-2126(03)07006-1
Medicare and racial disparities in health: Fee-for-service versus managed care
Noah J. Webster
As the size of the U.S. population age 65 and older continues to grow, racial disparities within this population persist despite near universal insurance coverage provided…
As the size of the U.S. population age 65 and older continues to grow, racial disparities within this population persist despite near universal insurance coverage provided through Medicare. Reform of the government administered program in 2003 has the potential to influence racial disparities due to increased privatization. This study compares racial disparities in health service utilization between Medicare fee-for-service and managed care, the two drastically different ways Medicare administers health care. Data was analyzed from the National Health Interview Survey (NHIS), a nationally representative study of the U.S. civilian, noninstitutionalized, household population. Included in this study were African American and white respondents aged 65 and older who participated in the NHIS in any year from 2004 to 2008 (N=22,364). Small differences were found in regard to the number of medical office visits, with African Americans reporting fewer visits. However, these differences were significant in only 25% of the analyses conducted. Across both types of Medicare, significant differences between African Americans and whites regarding consultations with a medical specialist and having surgery were found in 75% of analyses. In all analyses, African Americans were less likely to have interacted with a specialist or have surgery. The greatest difference in racial disparity between fee-for-service and managed care for all three health service use indicators was observed among those who were chronically ill and poor, and the smallest difference was observed among those who were chronically ill and very poor. These racial disparities in health service use may be linked to earlier life disparities in access to health care, higher out-of-pocket costs in Medicare fee-for-service, and the for-profit structure of managed care plans.
The Impact of Demographics on Health and Health Care: Race, Ethnicity and Other Social Factors
DOI: https://doi.org/10.1108/S0275-4959(2010)0000028005
Social sources of disparities in health and health care: An introduction to the volume
Jennie Jacobs Kronenfeld
This chapter provides an introduction to volume 27, Research in the Sociology of Health Care, Social Sources of Disparities in Health and Health Care and Linkages to…
This chapter provides an introduction to volume 27, Research in the Sociology of Health Care, Social Sources of Disparities in Health and Health Care and Linkages to Policy, Population Concerns and Providers of Care. It introduces the topic of social sources of disparities in health and health care and discusses the approach to this issue in the United States based on federal government efforts as well as based on research by medical sociologists, political scientists, epidemiologists and researchers in health care more generally, such as those in public health. This chapter serves as an introduction to the volume also. As such, the chapter explains the organization of the volume and briefly comments on each of the chapters included in the volume.
Social Sources of Disparities in Health and Health Care and Linkages to Policy, Population Concerns and Providers of Care
Genetic Approaches to Health Disparities
Catherine Bliss
This chapter explores the rise in genetic approaches to health disparities at the turn of the twenty-first century.
Methodology/approach
Analysis of public health policies, genome project records, ethnography of project leaders and leading genetic epidemiologists, and news coverage of international projects demonstrates how the study of health disparities and genetic causes of health simultaneously took hold just as the new field of genomics and matters of racial inequality became a global priority for biomedical science and public health.
As the U.S. federal government created policies to implement racial inclusion standards, international genome projects seized the study race, and diseases that exhibit disparities by race. Genomic leaders made health disparities research a central feature of their science. However, recent attempts to move toward analysis of gene-environment interactions in health and disease have proven insufficient in addressing sociological contributors to health disparities. In place of in-depth analyses of environmental causes, pharmacogenomics drugs, diagnostics, and inclusion in sequencing projects have become the frontline solutions to health disparities.
The chapter argues that genetic forms of medicalization and racialization have taken hold over science and public health around the world, thereby engendering a divestment from sociological approaches that do not align with the expansion of genomic science. The chapter thus contributes to critical discussions in the social and health sciences about the fundamental processes of medicalization, racialization, and geneticization in contemporary society.
Genetics, Health and Society
geneticization
Political Ideology, Party Identification, and Perceptions of Health Disparities: An Exploratory Study of Cognitive and Moral Prejudice
Harry Perlstadt
This chapter explores public perceptions of health disparities by taking political ideology and political party identification into account and applies theories of…
This chapter explores public perceptions of health disparities by taking political ideology and political party identification into account and applies theories of cognitive dissonance, cognitive prejudice, and moral prejudice to understand the impact of political ideology on perceptions of health disparities.
A statewide telephone survey asked 1,036 people about health disparities. Eight independent variables – political ideology, political party identification, gender, race, age, community type, income, and education achieved – were entered in an additive stepwise regression containing one of four dependent variables – unfair treatment based on health insurance, unfair treatment based on ability to speak English, minorities unable to get care when needed, and quality of care for minorities.
Political ideology entered all four equations while political party identity entered only two. Liberals were most likely to believe that minorities were unable to get routine care when needed and democrats that ability to speak English meant differential treatment. Respondents with low education were most likely to believe people were treated unfairly based on insurance, while those with lower incomes were more likely to believe that minorities received higher quality of care than whites.
A public opinion survey in one state cannot be generalized for the whole country. The survey was conducted in the spring of 2009 just as the debate over the proposed health care reform legislation was reaching a crescendo, which may explain the importance of political ideology on perceptions of health disparities.
Originality/value of chapter
This chapter explicitly examines the effect of political ideology and party identification on perceptions of health disparities by utilizing theories of cognitive and moral prejudice. Political ideology reflecting cognitive and moral prejudice may combine with support for a social movement or political faction that supports or opposes reducing health disparities.
Social Determinants, Health Disparities and Linkages to Health and Health Care
party identity
public opinion survey
ER Use among Older Adult RHC Medicare Beneficiaries in the Southeastern United States
Matt T. Bagwell and Thomas T. H. Wan
Purpose – This study analyzed individual factors of race and dual eligibility on emergency room (ER) utilization of older adult Medicare patients treated by RHCs in CMS…
EPUB (1.4 MB)
Purpose – This study analyzed individual factors of race and dual eligibility on emergency room (ER) utilization of older adult Medicare patients treated by RHCs in CMS Region 4.
Methodology/approach – A prospective, longitudinal design was employed to analyze health disparities that potentially exist among RHC Medicare beneficiary patients (+65) in terms of ER use. The years of investigation were 2010 through 2012, using mixed multilevel, binary logistic regression.
Findings – This study found that dual eligible RHC patients utilized ER services at higher rates than nondual eligible, Medicare only RHC patients at: 77%, 80%, and 66%, in 2010, 2011, and 2012, respectively; and above the White reference group, Black RHC Medicare patients utilized ER services at higher rates of: 18%, 20%, and 34%, in 2010, 2011, and 2012, respectively.
Research limitations/implications – Regarding limitations, cohort data observations within the window of 3 years were only analyzed; regarding generalizability, in different CMS regions, results will likely vary; and linking other variables together in the study was limited by the accessible data. Future research should consider these limitations, and attempt to refine. The findings support that dual Medicare and Medicaid eligibility, as a proxy measure of socioeconomic status, and race continue to influence higher rates of ER utilization in CMS Region 4.
Originality/value – In terms of ER utilization disparities, persistently, as recent as 2012, Black, dual eligible RHC Medicare beneficiary patients age 65 years and over may be twice as likely to utilize ER services for care than their counterparts in the Southeastern United States.
Race, Ethnicity, Gender and Other Social Characteristics as Factors in Health and Health Care Disparities
ER utilization
Social Determinants and Health Disparities
This chapter provides both an introduction to the volume and a review of literature on health disparities and social determinants.
Literature Review.
The chapter argues for the importance of greater consideration of social determinants of health disparities. This includes a consideration of race/ethnicity and socioeconomic status factors, geographic and place factors, and disparities especially linked to particular diseases.
Originality/value of paper
Reviews the topic of health disparities and social determinants and previews this book.
health care disparities
Contextualizing Disparities: The Case for Comparative Research on Social Inequalities in Health
Sigrun Olafsdottir, Jason Beckfield and Elyas Bakhtiari
Research on health care disparities is making important descriptive and analytical strides, and the issue of disparities has gained the attention of policymakers in the…
Research on health care disparities is making important descriptive and analytical strides, and the issue of disparities has gained the attention of policymakers in the United States, other nation-states, and international organizations. Still, disparities research scholarship remains US-centric and too rarely takes a cross-national comparative approach to answering its questions. The US-centricity of disparities research has fostered a fixation on race and ethnicity that, although essential to understanding health disparities in the United States, has truncated the range of questions that researchers investigate. In this chapter, we make a case for comparative research that highlights its ability to identify the institutional factors that may affect disparities.
We discuss the central methodological challenges to comparative research. After describing current solutions to such problems, we use data from the World Values Survey to show the impact of key social fault lines on self-assessed health in Europe and the United States.
The negative impact of socioeconomic status (SES) on health is more generalizable across context, than the impact of race/ethnicity or gender.
Our analysis includes a limited number of countries and relies on one measure of health.
The chapter represents a first step in a research agenda to understand health inequalities within and across societies.
cross-national research
Towards structure–agency integrative theories for information access disparity: Lessons from within and beyond LIS
Liangzhi Yu
Based on the assumption that information access disparity is a highly complex phenomenon demanding integrative explications that heed both structure and agency, the…
Based on the assumption that information access disparity is a highly complex phenomenon demanding integrative explications that heed both structure and agency, the purpose of this paper is to outline the theoretical background against which endeavours to develop such explanations can be planned.
The study is based on a close reading of: existing explanations of information access disparity; research of other library and information science (LIS) issues that have demonstrated conscious attempts to bridge structure and agency; and cross-disciplinary integrative theories that have served as foundations for LIS research. Explanatory power of the first and applicability of the latter two are critically assessed; lessons for future research are drawn.
The examination shows that efforts to develop integrative theories for information access disparity are emerging but remain indistinct; integrative frameworks for other LIS phenomena exist but are developed primarily by adopting concepts from cross-disciplinary theories and are, therefore, both enabled and constrained by them. It also shows that cross-disciplinary integrative theories contribute to LIS by exporting the general integrative theorising approach and a range of specific concepts but, owing to their limitations in dealing with information-specific issues, their adequacy for explaining information access disparity cannot be assumed.
The study demonstrates that a promising way forward for developing integrative theories of information access disparity is to follow the general integrative approach, but to ground related concepts and propositions in empirical data alone, i.e., to begin the journey of integrative theorising theory-free.
Journal of Documentation, vol. 75 no. 3
DOI: https://doi.org/10.1108/JD-09-2018-0149
Information inequality
Cross-disciplinary theories
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We've got something for everyone this Christmas season, including eggless nog for the vegans!
Place all ingredients in a blender. Cover and blend for about one minute.
For a refreshing milky drink, serve chilled with ice.
For a warm night time treat, pour the mixture into a pot and slowly warm on a low heat element.
Pour into glasses and garnish with a sprinkle of cinnamon or a cinnamon stick.
To garnish: powdered cinnamon or a 8 cinnamon sticks (optional).


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Lockport too much for LTHS in Class 8A playoffs
Lions still relish first postseason appearance since 2017
by Bill Stone November 2, 2021 November 4, 2021
The Lyons Township High School football team lost its IHSA Class 8A playoff opener Oct. 30 at Lockport, but not in the eyes of senior captains Owen Cherry, John Tobin and Joey Antonietti.
The Lions won at Downers Grove North in a regular-season finale showdown in which only the winner made the playoffs.
"That game was really fun. It was a playoff game [to us], so we kind of treated this like the second week," Cherry said.
The No. 29-seeded Lions lost to No. 4 Lockport 35-10 in their first playoff appearance since 2017.
LTHS (5-5) scored on a 37-yard field goal from David Waight to end the first half trailing 21-3. Sophomore quarterback Ryan Jackson found a wide-open Graham Smith for a 39-yard touchdown pass to close to 28-10 with 9:43 remaining.
"I want to say this [Lockport] team was the best team we played all year," Cherry said. "The effort was always there. If you don't get results, you don't get results. As long as everyone's putting in 100 percent, buying in, that's all you can ask for."
The seniors started 1-8 as freshmen and saw three varsity head coaches during their tenure.
"They've accomplished something, getting into the playoffs, getting the program in the right direction," second-year LTHS coach Jon Beutjer said. "Obviously, there's a lot more work to do but I'm really proud the way the seniors fought and battled against a really, really good football team."
In Week 6, quarterback Antonietti also began being used at wide receiver and running back. Beutjer said Antonietti excelled against Downers North despite dislocating his shoulder the previous game.
"You could see him out there, blocking, one hand," Beutjer said.
"He's played quarterback his whole life. Then in the middle of his senior year, he's willing to say, 'Coach, what's best for the team. I just want to win.' And that was genuine. And then he really kind of relished that role."
Naz triumphs in playoff opener
In Class 5A, No. 14 bracket seed Nazareth (6-4) won its playoff opener over No. 3 Goode 54-6 and now visits No. 11 Marmion (7-3) at 1 p.m. on Nov. 6.
Kaleb Miller rushed for 98 yards and four touchdowns, Benjamin Michel had a 55-yard interception and 98-yard kickoff return for touchdowns and Jacob Eraci and Aidan Pieper had touchdown runs.
Tagged: Class 5A, Class 8A, Lions, LTHS football, Nazareth, playoffs


An Electronic Energy Meter (EEM) functionally outperforms the traditional Ferrari's wheel meter. One important advantage of EEM is that in non linear loads, its metering is highly accurate and electronic measurement is more robust than that of the conventional mechanical meters. The Power companies benefits from EEM in three significant ways.
1. It reduces the cost of theft and corruption on electricity distribution network with electronic designs and prepayment interfaces.
2. Electronic energy meter measures current in both Phase and Neutral lines and calculate power consumption based on the larger of the two currents.
3. EEM improves the cost and quality of electricity distribution.
The conventional mechanical energy meter is based on the phenomenon of "Magnetic Induction". It has a rotating aluminium Wheel called Ferriwheel and many toothed wheels. Based on the flow of current, the Ferriwheel rotates which makes rotation of other wheels. This will be converted into corresponding measurements in the display section. Since many mechanical parts are involved, mechanical defects and breakdown are common. More over chances of manipulation and current theft will be higher.
Electronic Energy Meter is based on Digital Micro Technology (DMT) and uses no moving parts. So the EEM is known as "Static Energy Meter" In EEM the accurate functioning is controlled by a specially designed IC called ASIC (Application Specified Integrated Circuit). ASIC is constructed only for specific applications using Embedded System Technology. Similar ASIC are now used in Washing Machines, Air Conditioners, Automobiles, Digital Camera etc.
In addition to ASIC, analogue circuits, Voltage transformer, Current transformer etc are also present in EEM to "Sample" current and voltage. The 'Input Data' (Voltage) is compared with a programmed "Reference Data' (Voltage) and finally a 'Voltage Rate' will be given to the output. This output is then converted into 'Digital Data' by the AD Converters (Analogue- Digital converter) present in the ASIC.
The Digital Data is then converted into an "Average Value". Average Value / Mean Value is the measuring unit of power. The output of ASIC is available as "Pulses" indicated by the LED (Light Emitting Diode) placed on the front panel of EEM. These pulses are equal to Average Kilo Watt Hour (kWh / unit). Different ASIC with various kWh are used in different makes of EEMs. But usually 800 to 3600 pulses / kWh generating ASIC s are used in EEMs.The output of ASIC is sufficient to drive a Stepper Motor to give display through the rotation of digits embossed wheels. The output pulses are indicated through LED. The ASIC are manufactured by Analogue Device Company. ADE 7757 IC is generally used in many countries to make EEMs. ADE 7555 / 7755 ASIC maintains the international standard CLASS I IEC 687/ 1036.
Imp / kWh LED Blinks Impulses per Kilo Watt Hour.
This LED is larger one.
How to Monitor the Electronic Energy Meter?
1. The first step to monitor the energy meter is counting of the LED pulses per unit (kWh). Usually the pulse rate will be 800 to 3600 imp/ kWh. Imp.3200 is the pulse rate of most EEMs. The pulse rate can be calculated by counting the blinking of LED.
2. Suppose the pulse rate is "X imp. / KWh". (In most meters it is 3200 imp. / KWh). This indicates the pulse rate of LED if 1000 Watts / second is consumed in 1 hour.
3. Suppose a 100 watt bulb is switched on for 1 minute, the pulse rate will be "P".
That is if 1000 watts is consumed for 3600 seconds the output pulse will be "X" per hour. So the pulse rate for 100 watts for 60 seconds is "P".
Normally if a 100 watts bulb burns for 1 minute, the pulse rate of LED will be 5.3 blinks per minute. + or – 5 times can be considered as normal. If the blinking rate is very high, your EEM is showing a wrong reading and you are forced to pay more.
1. Connect a 100 watt bulb in an outlet holder.
2. Switch off all the lights, fans and unplug all the electric appliances.
3. Check the meter. If the LED blinks, it indicates wiring defects and leakage.
4. Check the wiring and rectify the defect.
5. If the LED remains OFF, wiring is OK and meter is not sensing the current flow.
6. Switch on the 100 W bulb with the help of another person and count the LED blinks for 1 minute. + or – 5 times can be ignored.
8. If "P" is very high or low (for a 3200 kWh meter) than the "P" already calculated as above, the meter is defective.
9. Report the matter to the Power company for meter observation.
Know your home appliances; they are current hungry.
Most of the electric appliances consume large amount of current. If these instruments are kept ON for many hours, your electricity bill will be really shocking. The following chart will show you the power consumption of household electric appliances in One Hour.
I is the current in amperes, W is the wattage of instrument and V the 230 volt power supply.
For example a Compact Fluorescent Lamp (CFL) rated 11 watts consumes 0.04 ampere current in one hour at 230 volts.
Some tips to make your appliances friendly and to save energy.
1. Check the domestic wiring periodically for leakage and current loss.
2. Install ELCB (Earth Leakage Circuit Breaker) which will immediately disconnect the power when it senses more than 40 milli ampere current through earth line.
3. Fridge is one of the current hungry appliances. Do not keep the door opened for more than 2 minutes. Do not keep hot food materials inside the fridge. Defrost weekly; otherwise current consumption will be more.
5. Unplug all the instruments which are not using daily.
6. Make all the preparations before switching on the instruments like Washing machine, Mixi, Iron etc.
7. Use heater or water heater only in extreme cold conditions.
8. Restrict the use of Iron and use one with temperature regulator.
9. Overheating and humming from fans indicate defects which lead to over meter readings.
10. Switch off fans and lights after the use.
11. Do not charge UPS, Inverter or Emergency lamp battery continuously (If there is no cut off facility). It will consume more current as well as reduce the life of battery. One hour charging at an interval of two days is sufficient to keep the battery in top condition. Over charging will heat up the battery and reduce its life along with unnecessary power loss.
12. Keep the plugs and sockets clean to avoid sparking and power loss.
13. Avoid the use of Mixi, Heater, Iron etc during the peak hours from 6 pm to 10 pm.
15. Use low wattage CFL lamps or LED Lamps in rooms or places where bright light is not required.
16. Do not charge Mobile phone daily. Equal charging and discharging will keep the battery in top condition. Charge the mobile phone only when the charge indicator shows 50% charge. Over charging will reduce the life of battery.
Remember! Unlike mechanical meter, Electronic energy meter will sense very small amount of current. Even a glowing indicator lamp in the switch board will cost something.
If the consumption per hour is 0.5 units and the appliances are used 8 hours per day, then the power consumption will be 4 units per day and 120 units per month.


The ArsRatio flooring system is made up of individual basic modules - 20 x 120 cm, 30 x 60 cm, 60 x 60 cm, 60 x 120 cm, 90 x 90 cm, 100 x 100 cm in size, or even larger in individual cases - which can be connected without gluing or jointing.
For the surface layer, there is the possibility of using nearly all surfaces, like tiles, wood, glass or metal together in the mix, guaranteeing the same heights. According to the client's Corporate Identity, there is also the possibility of using other materials as well.
The carrier elements made of EPS or gypsum fibre and the desired surface layers are pre-joined in a specially for ArsRatio developed process with heavy cross-linked, resistant plastic materials, forming the circumferential interlocking system.
The novelty within the product portfolio of ArsRatio Casalgrande Padana is the AR14 element.
The AR14 element is a versatile and combinable flooring system. The thickness of the element is an incredible 14 mm and it offers completely new possibilities in flooring. Despite the reduced thickness of the element, the ArsRatio element is suitable for many usage classes.
The AR14 elements are installed in a floating manner, without any additional underlay mats.
As usual, the ArsRatio System AR14 can be layed easily and securely on existing grounds for renovation purposes.
The AR14 elements are avialable in the format 60x60 cm. The carrier material is a galvanized steel plate tile with polyurethane naps on the bottom side, which is glued together with the patented slot-and-key clamping system and the desired surface. The result is a finished ArsRatio system flooring element.
In order to highlight special product promotions, ArsRatio offers presentation systems to emphasize them visually. The system can be adapted to the customer's individual desires, regarding form, size and surface in a flexible way.
Since 2009, ArsRatio from Kirchbichl/Tirol, Austria has revolutionized the traditional concept of tiling without losing any of the established quality characteristics.
The products, floor systems and highlight presentation systems are based on own developments and have a worldwide patent.
The state of the art, manufacturing plants, which were developed in-house, as well as the innovative research and development centre are situated in Kirchbichl too.
ArsRatio manufactures for the international market and is proud to have many renowned companies as its customers.
The company has received a multitude of prizes and awards.
Fast, innovative, secure, attractive - convince yourself!


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Sen. Amy Klobuchar (D-Minn.), left, told the crowd she raised $17,000 from ex-boyfriends. | John Shinkle/POLITICO
Klobuchar brings down the house
By ANNE SCHROEDER MULLINS
"No one will beat Rahm," they said, but they turned out to be wrong.
"They" being the folks gathered tonight at the ballroom of the Ritz-Carlton for the Washington Press Club Foundation's dinner that marks the beginning of the political prom season, when Hill seniors and freshmen alike get dressed and dolled up to toast, and roast, each other. The bar is pretty low for "entertainment" at these affairs, as it's tough to take good, hard shots at people you have to work with the next day. And there's a big difference, of course, between off-the-record funny and reporters-in-the-room funny. Last year, then-congressman Rahm Emanuel was as a guest speaker — and really nailed it.
But it turns out Sen. Amy Klobuchar is funny. Very funny. Bring-down-the-house funny.
The dinner brings together a handful of big names from Washington's press corps with the lawmakers they invite. This year, the master of ceremonies was CNN's Candy Crowley, and the guest speakers were Sen. Amy Klobuchar (D-Minn.) and Rep. Kevin McCarthy (R), all of them making their first appearance at the dinner.
The crowd they were there to entertain included, among others, Reps. Chris Van Hollen, Elijah E. Cummings, Adam Putnam, Jason Chaffetz, Steve Driehaus and John Adler, staffers Jennifer Crider, Mike Manatos, Brian Walsh, Brad Dayspring, Ryan Loskarn, Rodell Mollineau, Linden Zakula and journalists Major Garrett, Jim Angle, Mike Viqueira, John King, Dana Bash, Sam Feist and Jonathan Karl.
It's the sort of gathering where you can spot both press doyenne Helen Thomas and Rep. Steny H. Hoyer chatting with Miss America, albeit not at the same time.
Scenes from the WPCF dinner
VIDEO: Politico's Patrick Gavin at the WPCF dinner
Before the dinner began, McCarthy admitted to Politico that he was feeling a bit nervous. He'd stepped up to fall on the grenade for House Minority Whip Eric Cantor, who bailed out of the speaking gig because of an overseas trip.
This is what happens when you send out Facebook queries asking for good jokes. You get nervous.
It's a tough crowd. No one really wants to be there, but they don't not want to be there either. Dinner is eaten. Planners are thanked for their planning and attendees for their attending, and then Nancy Pelosi, always radiant, takes the mic and gives a couple of corny jokes: "When Secretary Geithner gets a call from The New York Times, he doesn't know if it's for a scoop or a bailout." And Barack Obama's e-mail address is I'mAllEars@WhiteHouse.gov, while Rahm's is bleepbleepbleep@WhiteHouse.gov.
And then Klobuchar — who told Politico that she wrote half of her own jokes — stepped up, and things got unexpectedly funny.
Washington Press Club Foundation's Dinner
"I'd like to make this as short as Bill Richardson's tenure as commerce secretary," she opened. "I raised $17,000 from ex-boyfriends — true story! I know that is the record in the Senate, but in the House it's held by Barney Frank." Roars of laughter, even from Frank.
Then she turned to the "great reporters? in this room — all of whom got scooped on the John Edwards story by the National Enquirer." She promised not to be too rough with them, though, since "I'm all about protecting endangered species."


The Alferd Packer Memorial String Band is five multi-instrumentalists, dressed in old time costumes, singing and playing fiddles, banjo, guitars, mandolin, hammered dulcimer, accordion, bass, and creative percussion. The band has been featured on CBS Sunday Morning with Bill Geist, and in a documentary called "Overlooked" which aired on KTKA-TV. They were the focus of articles in the Wall Street Journal, New York Times and Readers' Digest. Their music has been used in a national broadcast on NPR. Their infectious good humor and high energy leave no toe untapped.
Lauralyn has degrees in math and psychology, and for her Master's theses in architecture helped design and build an energy efficient home. She teaches Italian at the University of Kansas.
Matt's picture is in the American Heritage Dictionary (American Heritage, 2nd college edition) next to "dulcimer". He is an artist by trade, with a degree from the Kansas City Art Institute. He plays the hammered dulcimer that he designed and built.
For a day job Steve Mason is a luthier: one who repairs, improves and creates stringed instruments. To make a guitar he starts with a tree and carves away everything that doesn't look like a guitar. He has a degree in Biology and he's only five years of graduate school and a dissertation short of a PhD.
Mike admits to being the former chief photographer at The Lawrence Journal-World newspaper. Some of his photographs can be seen in the books "America 24/7" and "Kansas 24/7".
Noah is a teacher of visual art, graphic design and journalism at a small-town high school in north-eastern Kansas. He is the most recent addition to The Alferd Packer Memorial String Band, joining the group in 2014.


text:
State lender Ziraat Bank reaches 100 international branches
ISTANBUL Finance
Late last year Turkish state lender Ziraat Bank hit the landmark of 100 international branches in 18 countries, the bank announced Friday.
Two new branches in Montenegro in the cities of Bar and Budva put the bank over the top, it said in a statement.
Ziraat branches serve not only as banks, but also provide insurance, leasing, portfolio management, payment and finance technology services, said the bank. İlker Met, head of Ziraat's enterprise architecture group, stressed that these branches help spur trade between Turkey and other countries. "We try to be part of investments to Turkey from where we're active," he added. He also said the last time a Turkish bank offered services in Bar, Montenegro was back in 1878. Ziraat has the most branches abroad in Bosnia-Herzegovina, with 33, followed by Azerbaijan with 13, the Turkish Republic of Northern Cyprus with eight and Germany and Turkmenistan with seven each.


text:
Ryuji Takeuchi
Ryuji Takeuchi Bio
Ryuji Takeuchi (Local Sound Network / LSN, HueHelix) was born in Osaka, and then first contacted with Electronic Music in the early 90s.
In the late 90s, he moved to the United States, where he discovered Techno, House and Electro Music.
As soon as he got back, he started to DJ at several locations and eventually learned to produce at the same time.
After that, he released on such labels as: LK Rec, Arms, Mastertraxx, FK Rec, SWR, Innervate, I.CNTRL, Impact Mechanics, Silent Steps, GSR, Brood Audio, to name but a few.
In 2011, Ryuji started his own imprint called 'Local Sound Network / LSN' as a platform for new generation of electronic sound which following words can appropriately describe: driving, hypnotic, atmospheric, emotional, groovy, funky… and any other aspects that rock from brain to the dance floor under the following statement:
From local to global…It exists in order to inspire the world…Also, Ryuji kicked off another brand new label called 'HueHelix / HHX' as a new platform, which discloses something new, only represented by HueHelix, together with Go Hiyama, Tomohiko Sagae and Kazuya Kawakami, in order to push quality music with global standard from where sun rises.
In 2012, Ryuji launched 'Local Sound Network Digital Solutions / LSNDS' series in need of discovering and introducing wider range of electronic music, aiming at dropping unique audio output while it's hot. Music style varies.
All top quality output from new and established producers all over the world with its bottom line as follows:
We deliver,
What we believe, What we believe in…
Keep your eyes and ears open for this guy, he never stops.
http://www.ryujitakeuchi.com/
http://twitter.com/ryujitakeuchi
http://www.facebook.com/ryujitakeuchiofficial
http://www.residentadvisor.net/dj/ryujitakeuchi
http://www.discogs.com/artist/Ryuji+Takeuchi
5 Years Of The-Zone Records
Volcanus EP


ICSI pipettes are used to perform intracytoplasmic sperm injection.
These pipettes come in 3 tip styles: spiked, non-spiked, or flat.
Pipettes can be further customized by tip angle, diameter, and tip-to-elbow length.
The flat tip ICSI pipette is for Piezo injection.
To see our catalog of available specifications for this product, click here.
Holding pipettes are used to hold an oocyte or embryo in position during ICSI and other micro-manipulation procedures.
There are 3 series with various dimensions for selection.
Zona drilling pipettes are used to apply acidic solutions for creating a hole on the zona pellucida to enable assisted hatching and/or embryo biopsy.
These come in 2 sizes with varying tip angles.
Polar body biopsy pipettes are used to remove polar bodies from human oocytes and embryos for pre-implantation genetic diagnosis (PGD).
These pipettes come in 3 tip styles: flat, beveled, or spiked.
These pipettes are designed with a fire polished edge to avoid damage to the cell membrane.
Blastomere biopsy pipettes are used to remove blastomeres and trophectoderm cells from embryos for pre-implantation genetic diagnosis (PGD).
These pipettes come in 2 tip styles: flat or beveled.
Pipettes can be further customized by inner diameter and tip angle.
Inner diameters of 20 µm and 25 µm are recommended for trophectoderm (TE) biopsy.
There is no shrinkage at the bend so damage to the blastomere is unlikely in the case that it is sucked through.
Tips are fire polished to reduce damage to the cell membrane.
PZD pipettes are used to cut an opening on the zona pellucida of an oocyte mechanically to enable assisted hatching and/or embryo biopsy.
These pipettes are designed with a very sharp tip and a strong taper section for easy control and precision manipulation.
Various tip angles are available for these pipettes.
Denuding pipettes are used with the 3-in-One pipette controller and other pipette holders for denudation, and gametes and embryo transfer.
These pipettes are made of borosilicate glass which is known for its stability and its resistance to corrosion and chemicals.
The glass pipette has a better wetting feature compared to plastic ones, and is less likely to have oil drops attached inside, which can sometimes damage an oocyte or embryo.
Unpolished pipettes are used to remove cumulus cells attached to the zona prior to micro-manipulation procedures and fertilization assessment.
Polished pipettes are used to transfer blastomere (during PGS), oocytes, or embryos from one dish to another during other assisted reproduction procedures.
Spermatid injection pipettes are larger versions of the ICSI pipette.
Available in 2 sizes with varying tip angles.
Pipettes only come with a spiked tip style.
Improving sperm function like magic.
SperMagic® can enhance Ca2+ influx via membrane Ca2+ channel, consequently increase dynamic movement of micro-tubules through signal transduction system, and finally promotes sperm motility.
SperMagic® could bind sperm membrane receptor and then stimulate receptor-linked signal transduction system, and in-crease Ca2+ influx, consequently promote sperm capacitation and hyper-activation. SperMagic® can produce more ATP energy via increasing mitochondria metabolism, and further provide enough ATP for sperm movement.
iVitri® -Straw is US patent and registered product (USPTO), specifically designed for vitrification, which can be used for freezing oocyte and embryos.
The device tip is made of special material and in a curved shape for keeping gametes and embryo in a defined droplet to reduce alteration of osmolarity which may seriously impact on the survive rate of oocyte and embryos after warming.


text:
Q: Creating dynamic RadiobuttonList What im trying to accomplish is I have a table which im creating dynamically and I want in the first tablecell a radiobutton, second tablecell first name, third tablecell last name. The second and third tablecell work fine but having trouble with the radiobutton. Im making it a radiobutton list b/c only one name should be selectable. Below is how im creating the radiobutton list. I have omitted the second and third tablecell as its working properly. The yesNo variable is used to say is this the first row in the table. Any help would be very much appreciated.
 tblrow = New TableHeaderRow
 tblcell = New TableCell

   If yesNo = "yes" Then
    radList = New RadioButtonList
    radList.ID = newVar & "_list"
   Else
    Dim item As New ListItem
     radList.Items.Add(item)
   End If

   tableName.Rows.Add(tblrow)

A: Looks like you are creating a new RadioButtonList with one button in it for every row.
Try using instead the HtmlInputRadioButton class. Here is a nice description of it and it's use.
Here's the relevant bit:

HtmlInputRadioButton controls can be grouped together by specifying a common value for the Name property of each radio button you want to include in the group.
Note   When you group HtmlInputRadioButton controls together, only one radio button in the group can be selected at a time.

redpajama_set_name: RedPajamaStackExchange


text:
Johnson's Engineering Ltd
Turning, milling, fabrication, sheet metal, welding & agricultural repairs
Agricultural Repairs
History of Johnson's Engineering
Mr F B Johnson formed Johnson's Engineering and Electrical Co. Ltd in the late 50s after leaving his job at the MG Car Company in Abingdon, where during the war he was part of a team which built tanks for he war effort. Initially, he ran several capstan lathes in a small workshop making components for the car industry. He also carried out maintenance and repair work at a local flour mill as well as undertaking several large installation projects on farms in the area.
In 1970, after completing the building of the present workshop, with the help of his eldest son Keith, he expanded his involvement in the car heater component industry, employing Keith and several other full and part-time workers producing pressings, turned parts and sub assemblies.
In 1972, another family member joined the workforce, Keith's younger brother, Martin. Both of them completed City and Guilds Engineering courses at local technical colleges during their initial years.
The late 70s/early 80s were troubled years within the car industry thus bringing about the need for a change in direction from the Johnson family. Though this didn't happen overnight, they gradually moved away from production-only based work to a mixture of production, short runs, one-offs, machining, fabrication and repairs.
During this time, work was being carried out for the Domestic Appliance, Fan and Ventilation and Leisure Swimming Pool markets, just to name a few. Being situated in an area where mineral extraction was prominent, the company saw an opportunity to promote its services to the many companies operating in this field.
Over the coming decade this type of work provided around 60% of the company's turnover. This took the form of machining conveyor parts, urgent breakdown repairs, undertaken in-house and on-site, to complete fabrication of whole plant structures.
A major egg production company was another source of work to Johnson's Engineering, thus enabling them to show their versatility by supplying expertise for the installation of egg collection, packaging and food supply systems as well as doing similar work on other farms within the group. They also carried out health and safety work for the regional water company and the Environmental Agency.
The arrival of a new decade brought about a new challenge for the company.
The steady decline of mineral extraction within the local area and the closing of the egg packing company brought about the need to find replacement work. This was achieved by securing work at a local bakery and major production orders for fabricated/machined parts for commercial vehicle tail lifts.
In 2002, Keith and Martin took control of the company the loss of their father, becoming co-directors of Johnson's Engineering Ltd. Since then they have upgraded their machinery, etc, by purchasing lathes, milling machines with DROs, a new programmable non-ferrous welding machine and a new company van for improved collection and delivery to customers and still hold the traditional value of providing a service of efficiency, quality and above all, customer satisfaction.
For further details, please phone: 01865 300270 or fax: 01865 300911
© Johnson's Engineering Ltd. 61 High Street, Standlake, Oxfordshire OX29 7RH. Tel: 01865 300270. Fax: 01865 300911


One of the "Big 3" values at 180 Chicago is Allies: Align your life with God and allies who want you to win. This is a critical value that will make us stronger or drag us under. When we get relationships right it's a beautiful thing. Today on-air we're calling it "Build Your Squad".
For years I underestimated just how critical relationships are in taking hold of God's promises. If you surround yourself with people who can strengthen you when you're down and cheer with you when you're winning you have a true comrade in Christ.
and on his law, he meditates day and night.
The clear implication is that we're better off walking alone with God and his word than to surround ourselves with the wrong people. There are unwise people both outside and even inside the church who we should not sit with, stand with, or walk with. Want to really grow up in Christ? We need to get the wrong people out and the right people in – build your squad.
The church is the greatest possible institution on earth, but not everyone who calls themselves a Christian is able to help us grow up in Christ – some are even pretenders. We can't have a spirit of judgment, but we must ask the Holy Spirit to help us exercise judgment for those we should share our lives with.
Getting our life aligned with God and finding allies who will exhort us, cry with us, and even cheer for us when we get a win, is critical to our spiritual prosperity – build your squad.
But here's a few questions that will help us think through relationships: Who is the church? How many friends do I need? What should I expect from all the people in attendance? Where do I go for help? What is my role? This requires we see our squad, our relationships/Allies in the church through a few different lenses.
Benefit Allies - Allies that benefit us are those who we may know little of, but when we see them or hear of them we are the better for it. These are those brothers and sisters across town or across the world who are on the mission but not in our congregation or our daily lives. They send messages or we hear a word of their faith and it emboldens us to stand strong on the rock. The Iranian underground church is that kind of benefit to us. To hear of saints who smuggle and share pieces of a bible so everyone will have something and no one is caught, is a direct benefit to our faith. These allies are in the battle – all around the world!
Builder Allies - Some Allies build us up. This is why Paul wrote to a central group of followers in a city who were meeting together and encouraged them to each use the gifts God had given them. Some of the phrases Paul used were, "varieties of gifts", "are one body", "the parts of the body that seem weaker are indispensable" (I Cor. 12). Here's the bottom line: In the local congregation, it's all hands on deck, or whatever part you are. We can't have anyone on the sidelines because we are stronger when we all do our part together.
Buddy Allies - There is a level of relationship that can only be shared with a few. Jesus modeled this with Peter, James, and John, and he did it for a reason – we're not designed to have more than a few really close friends. These buddies are people who love you no matter what you've done, are doing, or will do in the future. They are in for the long haul. There are unfazed by your blunders and not overwhelmed by your victories. They love you and you love them enough to say, "wait a minute", and they always believe God for big things in your life. Everybody needs a buddy or two, or three. But not much more than that. Unapologetically pray for a few close spiritual buddies, your vitality in Christ is riding on it.
These lenses can help us see relationships in the church with fresh eyes. We'll be the better for it.


Can I Give My Dog Grizzly Joint Aid AND Grizzly Salmon Oil at the Same Time?
Yes, it is safe to give both Grizzly Joint Aid *and* Grizzly Salmon Oil supplements to your dog, as long as you are following the recommended dosing shown on each label.
Both labels recommend the dose be given once a day, however some customers have divided the dose in half, giving half dose in the morning, and half dose in the evening, to spread out the quantity.
Either way, you want to make sure to never exceed the recommending dosing amounts on each product label.


Here's a million-dollar idea for you. Let's invent a problem and then solve it with a brand new supplement.
It's super easy and pretty cheap, too. Watch.
I read this article on salt. The article says it frays your telomeres and speeds up the aging process.
Wait a sec – what are 'telomeres'? They little protective caps on the end of your chromosomes.
Oh. What's a chromosome? Well, duh – everybody know that its "a threadlike linear strand of DNA and associated proteins in the nucleus of eukaryotic cells that carries the genes and functions in the transmission of hereditary information".
You *knew* that, of course – right?
I'll pick a few random chemicals commonly found in supplements, put 'em in a capsule, design a label, outsource it all to China or India using http://www.alibaba.com/, call it 'Telorepair Magnum' and make millions.
The important point to understand is that an adequate supply of methyl donors is needed for telomeres to work properly, just like a car needs gasoline. The primary methyl donor for this purpose is called SAMe, which uses nutrients like methionine, MSM sulfur, choline, and trimethylglycine as building blocks. Forming SAMe from these building blocks requires vitamin B12, folic acid, and vitamin B6. Folic acid and B12 actually play multiple roles in supporting telomeregenomic stability.
Offit M.D., Paul A. (2013-06-18). Do You Believe in Magic?: The Sense and Nonsense of Alternative Medicine (p. 87). HarperCollins. Kindle Edition.
So you've got all the ingredients to make 500 bottles of the stuff. Get some 5 gallon paint buckets, Mix batches, and have the kids fill the pills for a penny each – it'll be fun and cost $150 bucks for tax-free labor. Sell them for $40 bucks a pop for a 30-day supply.
Set up a website to peddle the stuff on Godaddy.com for $10/month, then write over-the-top BS copy about how great the stuff is. Give it free to some bloggers to write about, maybe set up a free Twitter feed to promote it, and start posting about it on forums.
If you did it right, you make 40 grand off a $5000 investment – less, of course because you have to ship it, but you can always cover that cost with shipping and handling charges. Keep repeating this exercise and pretty soon you are buying yachts and lighting cigars with $100 bills.
Of course, you have to trust that the powders they are shipping from China and India aren't contaminated with lead or mercury – or are something entirely different from what they say.
But wait – you don't. you're not taking this stuff – you're going to sell it to other people.
Unrealistic you say? People who make supplements don't mix them in 5 gallon buckets – this stuff has to be carefully measured…right?
Because the dietary supplement industry is unregulated, only 170 (0.3 percent) of the 51,000 new products brought to market since the 1994 Supplement Act have documented safety tests. And it's not just the supplements themselves that might be harmful, but what's contaminating them. In 2004 , researchers at Harvard Medical School tested Indian (Ayurvedic) remedies obtained from shops near Boston's City Hall. They found that 20 percent contained potentially harmful levels of lead, mercury, and arsenic. Between 1978 and 2004, herbal medicines caused fifty-five cases of severe or fatal heavy-metal poisoning.
Offit M.D., Paul A. (2013-06-18). Do You Believe in Magic?: The Sense and Nonsense of Alternative Medicine (p. 91). HarperCollins. Kindle Edition.
In 2008, more than two hundred people— including a four-year- old— were poisoned by massive doses of selenium contained in Total Body Formula and Total Body Mega. The products were supposed to contain 200 micrograms of selenium per serving; instead they contained 40,800 micrograms.
Oh. But you can't mix this stuff in your kitchen…right?
In 2007 , as problems with the industry continued to mount, FDA regulators were finally granted permission to supervise the way supplements were made. Although they still couldn't force manufacturers to prove that their products were safe or effective, at least they could make sure the product contained what the label said it contained. What the FDA found was appalling. Of the 450 supplement manufacturers inspected, at least half had significant problems. One, ATF Fitness, substituted ingredients without changing the product label. Others didn't even have recipes for their products. And some manufactured products in buildings contaminated with rodent feces and urine— in one facility a rodent was found cut in half next to a scoop. "It's downright scary," said Daniel Fabricant, head of the FDA's Division of Dietary Supplement Programs . "At least half of the industry is failing on its face." Cara Welch, a vice president for the National Products Association, an industry trade group, called the findings "unfortunate.
Offit M.D., Paul A. (2013-06-18). Do You Believe in Magic?: The Sense and Nonsense of Alternative Medicine (p. 92). HarperCollins. Kindle Edition.
Paul A. Offit is an American pediatrician specializing in infectious diseases and an expert on vaccines, immunology, and virology. He is the co-inventor of a rotavirus vaccine that has been credited with saving hundreds of lives every day. Offit is the Maurice R. Hilleman Professor of Vaccinology, Professor of Pediatrics at the University of Pennsylvania, Chief of the Division of Infectious Diseases, and the Director of the Vaccine Education Center at The Children's Hospital of Philadelphia. He has been a member of the Centers for Disease Control (CDC) Advisory Committee on Immunization Practices. Offit is also a Founding Board Member of the Autism Science Foundation (ASF).
Offit has published more than 130 papers in medical and scientific journals in the areas of rotavirus-specific immune responses and vaccine safety, and is the author or co-author of books on vaccines, vaccination, and antibiotics. He is one of the most public faces of the scientific consensus that vaccines have no association with autism, and has, as a result, attracted controversy and a substantial volume of hate mail and occasional death threats, but also support for his position.
You are certainly entitled to come to your own conclusion on this subject, but this little exercise is why I personally stay away from supplements.


My third Ebay item was won yesterday evening. Addicting? Yeah, I heard that somewhere. Problem? I don't have a problem….
In the near future, I will have seven BUM Genius 3.0 diapers to use on MAM at night and naptime, and to get the hang of it before I really need to know what I'm doing.


Rome Remigio has been a believer in Yeshua since he first visited Kehilat Ariel in 1984. He has been an Elder in KA since 1991, where he has held several positions at KA prior to being an Elder, such as Bookkeeper/Treasurer, Men's Coordinator, Board Member. Currently he is leading the Shabbat morning Parashah discussion since 2002 and is currently serving as the KA Website Coordinator. His heart is for mentoring men and he hosts a men's weekly early morning prayer group. He works in computers locally. Served in the Navy from 1977 to 1986. Elder Rome and his wife Deborah (also a Messianic Jew) reside in San Diego with their three children.


text:
It's just not enough
Mark Mullen
Underwhelming and unsurprising, why the CMA report falls short
Last week the CMA (the Competition and Markets Authority) published its long awaited report into the market for personal and small business current accounts here in the UK. It's been reviewing the market for over two years and it has consulted widely and been commendably open and upfront about who it's talked with and what they have said. Individual banks can and have chosen to withhold data from public disclosure on grounds of sensitivity but a quick visit to CMAGov.co.ukwill allow anyone to see what they have seen.
In public I have described the CMA's recommendations as both underwhelming and unsurprising, but in private I'm actually annoyed and upset about them. Now any cynics among you (and I suspect there might be one or two of you out there) who read that a banker is annoyed and upset can be forgiven for wincing or for playing your imaginary violins but, however improbable, it really is true. I can't quite decide whether I'm angry or just depressed by it all. And I'm not the only voice of criticism. The independent consumer group Which? has also bemoaned the failure of the CMA to impose caps on the sums banks can charge customers for overdraft facilities. But is the criticism justified?
When I started working in banking in the early 1990's overdraft fees mostly didn't exist. Back then they were typically called 'Penalty Fees' and generally they cost £30 a pop (the charge for breaching your overdraft limit) but in 2007 the Office of Fair Trading (which in 2014 morphed into the CMA) determined that it should test whether these fees constituted unfair charges. In 2009, having lost a High Court ruling, the OFT decided not to proceed with the case, instead pursuing the matter using regulatory channels. This case is important because it most likely informs the CMA's approach to overdrafts in their latest investigation – in short, I believe there is form here!
Of course purely coincidentally around the time of the OFT investigation, lots of the banks commissioned detailed reviews of their banking and overdraft terms and conditions and the language used to describe fees and charges. Out went the term 'penalty' and in came words like 'authorised', 'arranged', 'unauthorised', 'formal' and 'informal. And in spite of these changes (many of which simply further confused everyone) and with the exception of PPI complaints, in all the years I have worked in banks the single biggest source of complaints, in my experience, has been overdraft fees and charges (or penalties!!!).
But in spite of gradually reducing the amount of money that they make from overdrafts (like weaning themselves off sugar ), today UK banks still make (I can't make myself use the word 'earn') well over £1bn from overdrafts. In short they are a disgrace to the banking profession.
But having lost back in 2009, it looks to me like the CMA, known then as the OFT, didn't want to risk a messy argument with the banks by imposing a cap on the amount they can charge their overdraft customers in 2016.
So let's ask, is it fair that a bank should charge a customer for borrowing to which they didn't agree in advance of it happening? We know that customers who use overdrafts would prefer that their payments were not declined in a way that causes them embarrassment. Banks could impose a hard limit on overdrafts and simply decline payments once that limit has been reached. But they don't because their customers want some flexibility and are prepared to pay for that flexibility. But up to £90 in fees a month (to say nothing of debit interest) for a small sum of borrowing?
It's been my experience that customers expect to be treated proportionately. Throughout our life we learn that the more we spend, the more we get and vice versa. But when a penalty is disproportionate to an offence, it's hard not to feel a real sense of injustice. It's this moral outrage as much as the actual cost that prompts people to complain so vociferously about overdraft fees. I have learned that people in the UK have an almost unerring sense of fairness and they are tenacious in their pursuit of justice. The decision by the CMA to let banks set their own caps is, I'm afraid, unsurprising. They got a bloody nose once before in this fight. It's a great shame that they hadn't the courage to get another one. Sometimes it's not about winning – it's about doing the right thing.


text:
Q: Matlab vectorization I've been trying to vectorize this function for matlab:
function [Q,R]=gramSchmidtMod(A)

n=size(A,1);
R=zeros(n);
for j=1:n
    R(j,j)=norm(A(:,j));
    Q(:,j)=A(:,j)/R(j,j);
    for i=j+1:n
        R(j,i)=Q(:,j)'*A(:,i);
        A(:,i)=A(:,i)-Q(:,j)*R(j,i);
    end

end

end
i tried:
j=1:n
    R(j,j)=norm(A(:,j));
    Q(:,j)=A(:,j)/R(j,j);
     i=j+1:n
        R(j,i)=Q(:,j)'*A(:,i);
        A(:,i)=A(:,i)-Q(:,j)*R(j,i);

but that doesn't respect the same order as it would when using two for loops.
Can anyone help me out here ?

A: Why won't you just use
[Q,R]=qr(A)