"Etihad" redirects here. For other uses, see Etihad (disambiguation).
Etihad Airways (Arabic: شَرِكَة ٱلْاِتِّحَاد لِلطَّيْرَان, translit. sharikat al-ittiḥād li-ṭ-ṭayarān) is the second-largest airline in the United Arab Emirates (after Emirates). Its head office is in Khalifa City, Abu Dhabi, near Abu Dhabi's International Airport. Etihad commenced operations in November 2003.
In addition to its core activity of passenger transportation, Etihad also operates Etihad Holidays and Etihad Cargo. Etihad established its own airline alliance, Etihad Airways Partners, in October 2015 which was disbanded in 2018 after several of its members fell into financial struggles. Etihad Airways holds minority equity investments in the participating airlines; as well as holding a stake in Virgin Australia, which is not officially listed as an Etihad Airways Partner. Booking for these airlines is consolidated under one network.
Etihad Airways was established as the second flag carrier of the United Arab Emirates in July 2003 by Royal (Amiri) Decree issued by Sheikh Khalifa bin Zayed Al Nahyan, who wanted an airline for Abu Dhabi. Sheikh Ahmed bin Saif Al Nahyan established the airline. It started with an initial paid-up capital of AED500 million. Services were launched with a ceremonial flight to Al Ain on 5 November 2003. On 12 November 2003, Etihad commenced commercial operations with the launch of services to Beirut, Lebanon. Prior to the establishment of Etihad, Gulf Air was the airline which was based at Abu Dhabi International Airport and was also co-owned by Bahrain and the Sultanate of Oman.
In June 2004, the airline placed an US$8-billion aircraft order for five Boeing 777-300ERs and 24 Airbus aircraft, including four Airbus A380s. Its first A380 was delivered in December 2014.
The airline announced what was the largest aircraft order in commercial aviation history at the Farnborough Airshow in 2008, for up to 205 aircraft—100 firm orders, 55 options and 50 purchase rights.
Etihad reported its first full-year net profit in 2011, of US$14 million, in line with the strategic plan announced by CEO James Hogan in 2006.
In December 2011, Etihad announced it had taken a 29.21% stake in Air Berlin, Europe's sixth-largest airline, and James Hogan was appointed Vice Chairman. It followed this up with minority stakes in other airlines—Air Seychelles (40%), Aer Lingus (2.987%), Virgin Australia (10%). On 1 August 2013, the President of the company, James Hogan, signed a deal with Aleksandar Vučić, First Deputy Prime Minister of Serbia, in Belgrade, giving Etihad a 49% stake in the Serbian national carrier Jat Airways. The Serbian Government retained 51% of the shares, with the company being rebranded as Air Serbia.
In September 2012, the Indian government announced that foreign airlines could take a stake of up to 49% in Indian carriers. On 24 April 2013, Jet Airways announced that it was ready to sell a 24% stake in the airline to Etihad for US$379 million. The deal was completed on 12 November 2013.
At the 2013 Dubai Airshow, Etihad announced that it was acquiring a 33.3% stake in the Swiss carrier Darwin Airline. Darwin was rebranded as Etihad Regional from March 2014. Etihad sold Darwin in 2017.
On 1 August 2014, Etihad agreed to take a 49% stake in the Italian flag carrier Alitalia for an estimated €560 million. The deal was closed on 8 August 2014. On 1 January 2015, Alitalia-CAI formally passed its operations to Alitalia-SAI, a new entity owned 49% by Etihad and 51% by the Alitalia-CAI shareholders.
In May 2016, the management structure was reshuffled, as James Hogan became CEO of the airline's parent company, Etihad Aviation Group. Peter Baumgartner, formerly the airline's Chief Commercial Officer, became Chief Executive Officer of the airline, reporting to Hogan.
In May 2017, a week after Alitalia collapsed into administration, Etihad Aviation Group suddenly announced that CEO James Hogan and CFO James Rigney would leave the group on 1 July 2017. As an interim measure the board of directors appointed Ray Gammell as CEO (previously Chief People and Performance Officer) while searching for a permanent replacement. On January 9, 2018, Etihad Airways appointed Mark Powers as Group CFO, replacing interim Group CFO Ricky Thirion.
On 2 July 2017, the United States Department of Homeland Security unbanned Etihad Airways and exempted Etihad Airways from the 2017 electronics ban after the airline enhanced its passenger screening processes.
In February 2019, Etihad announced large order cancellations for both, Airbus and Boeing aircraft. The airline terminated contracts for all 42 Airbus A350-900s, 2 A350-1000s and 19 of 24 ordered Boeing 777X.
Etihad has its head office, in Khalifa City, Abu Dhabi, near Abu Dhabi International Airport. Etihad spent 183.6 million UAE dirhams (US$50 million) in 2007 to arrange to have its new head office and training center built. The new head office was scheduled to be finished by the end of 2007.
Etihad Stadium, home ground of Manchester City Football Club.
Etihad is governed by a board of directors chaired by H.E. Mohamed Mubarak Al Mazrouei and operates in terms of its founding legislation and the Article of Association of the Company. The Board consists of seven independent non-executive members and has two sub-committees, being an Executive Committee and an Audit Committee, each with its own charter and chairman. Other members of the board include: H.E. Ahmed Ali Al Sayegh, H.E. Mohamed Khalifa Al Mubarak, H.E. Mohamed Hareb Sultan Al Yousef, H.E. Hamad Abdulla Al Shamsi, H.E. Khalifa Sultan Al Suwaidi, H.E. Ahmed Ali Matar Al Romaithi.
The airline was led previously by James Hogan (formerly CEO of Gulf Air) who was appointed as President and Chief Executive Officer on 10 September 2006 until January 2018. The current CEO of Etihad Group is Tony Douglas who was appointed as Chief Executive Officer on January 2018.
The incorporated airlines were also part of the now disbanded Etihad Airways Partners alliance between 2015 and 2018.
Profits*: Earlier profit/loss figures do not appear to have ever been published; the company announced, however, that it became profitable as from 2011.
Harlequins Rugby Union London, United Kingdom 30 July 2007 The sponsorship also includes renaming the East Stand at the Twickenham Stoop (the home of Harlequins) to the Etihad Stand. Etihad's logo is painted on the roof of the stand which is under the flight path to London Heathrow Airport.
Manchester City F.C. Association Football Manchester, United Kingdom May 2009 Part of the deal now includes the renaming of Manchester City's home ground as "Etihad Stadium".
Melbourne City FC Association Football Melbourne, Australia May 2014 Home kit resembles that of sister club Manchester City.
New York City FC Association Football New York, United States of America 13 November 2014 Home kit resembles that of sister club Manchester City.
Scuderia Ferrari Formula 1 motor racing Maranello, Italy 2008 For the 2007 season, Etihad was one of the title sponsors for the Etihad Aldar Spyker F1 Team. Because the team was purchased by the chairman of another airline (Vijay Mallya, of India's Kingfisher Airlines), Etihad switched to Scuderia Ferrari.
Etihad is the sponsor of Manchester City F.C. and has an A330-200 adorned in Manchester City livery.
On 18 December 2007 Etihad announced that it would become the title sponsor for the 2009 Abu Dhabi Grand Prix to be held on Yas Island, the F1 logo and the words "Formula 1 Etihad Airways Abu Dhabi Grand Prix" appeared on the aircraft for one month before the race.
In October 2008, it was announced that Etihad would take over sponsorship of the Docklands Stadium in Melbourne, Australia (previously known as the Telstra Dome). The name change to Etihad Stadium took effect on 1 March 2009.
On 19 March 2008 it was announced that Etihad Airways would become a main sponsor for the All-Ireland Senior Hurling Championship from 2008 to 2010, which was later extended until 2012. On 12 April 2012, the Gaelic Athletic Association signed a new five-year sponsorship deal with Etihad.
On 25 March 2014, Etihad announced a partnership with Major League Soccer (MLS) in the United States to become the Official Airline Partner of MLS, in a multi-year deal.
In 2017 it was announced that Etihad Airways would collaborate with IMG Models, on a show called Model Diaries, showcasing models in high fashion as they travel to fashion shows around the world. and in November, 2018 its first episode featured high fashion model Xiao Wen Ju as she traveled to Dubai.
Etihad was a sponsor of UAE sports clubs, including the Abu Dhabi Rugby Union Football Club, the Abu Dhabi International Sailing School and the Abu Dhabi International Marine Sports Club (ADIMSC), as well as the Al-Jazira Club.
Etihad Cargo, formerly Etihad Crystal Cargo, is the dedicated freight operations branch of Etihad. The carrier refreshed its brand image in June 2012 dropping the "Crystal" part, with full Etihad Cargo titles now applied billboard style in line with the airline's current corporate design.
Etihad Cargo operates five Boeing B777Fs. It has previously operated a Boeing 747-8F and Boeing 747-400F, both leased from Atlas Air but operated in full Etihad Cargo colours. In January 2018, Etihad announced it would retire and either sell or lease out its five relatively new Airbus A330-200F freighters due to a change in strategy and reduction of freight capacity. In August 2018, it has been announced that all five A330 freighters have been sold to DHL Aviation.
Etihad Cargo delivered 368,000 tonnes of cargo in 2012, a tonnage growth of 19 per cent on the back of a capacity increase of 14 per cent in available tonnage kilometres. Etihad's new facility at Abu Dhabi International Airport is equipped to handle more than 500,000 tonnes annually.
In September 2018, Etihad Cargo announced a revised and heavily downsized network of cargo destinations to reflect the reduced fleet and a focus on core freight operations.
As of July 2018, Etihad serves 84 passenger and cargo destinations across Africa, Europe, North America, Asia and Australia from its hub at Abu Dhabi International Airport. Until terminating the São Paulo service in late March 2017, Etihad Airways was one of the few carriers to have passenger services to all six inhabited continents.
Additionally, Etihad Airways has a codeshare partnership with French Railways SNCF.
The current livery was unveiled in September 2014 on the first of the airline's new A380s. It features a golden and silver triangular tessellation on the vertical stabilizer and rear fuselage. A golden Etihad logo and a UAE emblem over the windows, with the UAE flag painted on the front door. The background was painted in light beige and the wingtip also has a UAE emblem.
The former livery features a UAE flag and emblem on the vertical stabilizer and a golden Etihad logo on the windows. Red and golden strips were painted on the fuselage. The former livery was phased out in 2017.
With the introduction of the Airbus A380 and Boeing 787, new cabins were introduced, their names being: The Residence (A380 only), the First Apartments (A380 only), First Suite (787), Business Studio and Economy Smart seat. The rest of the fleet will gradually be retrofitted with these cabins except for the Residence and First Apartment cabins, which are exclusive to the Airbus A380. The Residence was the only three-room cabin in the sky when it was introduced in December 2014.
First Class on Airbus A380s was overhauled with the "First Apartments". There are nine in total, configured 1-1 across a single aisle, and take up a total area of 39 square feet (3.6 m2) each. It features a 30.3-inch (77 cm)-wide reclining chair; a full-length ottoman which can be transformed into a bed; a 24-inch (61 cm) TV monitor which can swing to align itself to the ottoman so that it can be viewed from the bed; a vanity cabinet; and a bar with assorted chilled drinks. In 2015, this class was named the world's best first class due to its luxurious innovation.
Select Boeing 787-9s feature eight First Suites to accommodate the narrower aircraft. The service includes a 26-inch (66 cm)-wide reclining lounge chair (which converts into an 80.5-inch (204 cm) fully flat bed); dining table; and a 24-inch (61 cm) TV monitor. All covers are tailored by Poltrona Frau. There is a personal wardrobe, along with total privacy with high sliding doors.
The "Business Studio" is on both models, with 70 seats on the Airbus A380s, 28 on the Boeing 787-9s, and 32 on the Boeing 787-10s. The studio seats include a 22-inch (56 cm)-wide reclining chair, which converts into a fully flat bed, and an 18-inch (46 cm) TV monitor. All have leather covers tailored by Poltrona Frau.
Economy Smart seats feature a 17-inch (43 cm)-wide seat on the Boeing 787 and 19-inch (48 cm)-wide seat on the Airbus A380, with a 31-to-33-inch (79 to 84 cm) pitch and 6-inch (15 cm) recline. There is also an 11-inch (28 cm) touch screen fitted with Etihad's entertainment system. A fixed wing is in place to allow passengers to rest upon.
Etihad uses both the Panasonic eX2 and the Thales TopSeries i5000 in-flight entertainment system with AVOD (audio-video on demand) system on its new long-range aircraft and on some of its new A320-200 aircraft. Etihad brands this system as the "E-box". International destination fleets have a plug-and-play system which works on USB technology, that allow passengers to play their own audio, video and picture media. The Airbus A330s and Boeing 777-300ER all have in-flight telephone facility.
Etihad signed a new 10-year agreement with Panasonic Avionics Corporation in 2011 for the provision of in-flight entertainment including broadband internet and live TV.
Atlas is the official in-flight magazine of the airline.
Etihad Guest is the airline's frequent flyer program, launched on August 30, 2006. It offers a discount web shop for members.
Etihad Airways has not suffered any fatal accidents or injuries during passenger operations.
15 November 2007 – A new A340-600, registration A6-EHG, due for delivery to Etihad Airways was damaged beyond repair during ground testing at Airbus' facilities at Toulouse Blagnac International Airport in France. During a pre-delivery engine test, multiple safety systems had been disabled by engineers, leading to the non-chocked aircraft accelerating to 31 knots (57 km/h) and colliding with a concrete blast deflection wall. Severe damage was inflicted on the aircraft and nine people on board were injured, four of them seriously. The right wing, tail, and left engines made contact with the ground or wall, leaving the forward section of the aircraft elevated several meters and the cockpit broken off.
Etihad Airways flew the world's first Boeing 787 commercial flight using locally produced jet fuel derived from salicornia plant on 16 January 2019. The aviation biofuel was researched and developed by Sustainable Bioenergy Research Consortium (SBRC), a non-profit entity established by Masdar Institute, part of the Khalifa University of Science and Technology. The 787 engine was powered by General Electric's next-generation 1B engines and flew for more than seven hours, taking off from Abu Dhabi and arriving in Amsterdam.
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text:
Em 1651, a assinatura dos Atos de Navegação (conhecido em inglês como Acts of Trade and Navigation) contribuiu decisivamente para o crescimento econômico da Inglaterra, impulsionando o mercantilismo inglês, ao favorecer a indústria naval e mercadores. Constituiu-se uma das mais importantes atitudes políticas tomadas pelo governo puritano de Cromwell, que havia derrubado a Monarquia em 1649 e que transformou a Inglaterra numa república ditatorial por cerca de dez anos.

Os atos, que foram uma série de leis, buscavam restringir o uso de navios estrangeiros, exceto os britânicos, no comércio entre o Reino Unido e suas colônias pelo mundo. O Ato de Navegação constituía que o transporte de todo produto comercial a países europeus via mar deveria ser feito por navios pertencentes a Inglaterra ou ao próprio país europeu que estivesse realizando importação ou exportação desses produtos. A razão por ser criada essa lei foi principalmente a de eliminar a concorrência. O que ocorria era que a Holanda estava conquistando um patamar alto no comércio marítimo graças ao uso das suas embarcações para serem levados e trazidos suprimentos do Novo Mundo. O poderio naval holandês era tanto que poderia alcançar qualquer lugar de todo o planeta, e claro que com isso ganhava muito lucro claramente reconhecido na capital da Holanda de nome Amsterdã, que várias vezes era representada como capital das finanças e sem citar que a Holanda era  a maior potencia mundial.

A Inglaterra também era um país em plena formação. Portugal e Espanha foram os primeiros a lançarem seus recursos ao mar, porém, não administraram bem os recursos encontrados e ficaram à mercê de outros países. Por outro lado, os britânicos desenvolveram  suas frotas marítimas de modo a fortalece-las tanto em características bélicas quanto em características comerciais. Quanto aos recursos encontrados no Novo Mundo, tais foram muito bem usados para o fortalecimento britânico. A Inglaterra se fortalecia principalmente pelo comércio internacional que alcançava idealismo em várias partes do mundo.

Obviamente os britânicos e os holandeses tiveram um choque, já que tinham interesse igual e garantiam seu poder do mesmo jeito, principalmente através do comércio marítimo, além de os britânicos serem os únicos capazes de desafiar os holandeses nesse campo, e foi aí que houve o choque.

No ano de 1651, Oliver Cromwell, tendo o governo em mãos, decretou o Ato de Navegação. Alguns anos depois foi também decretado que o capitão das tripulações de um terço dos navios que transportariam os produtos deveriam ser de origem britânica.

A reação da criação dessa nova lei teve seu processo rápido. Muitos países não concordaram, mas tiveram que ceder, pois não tinham poder para revidar. Foi então que o único país com poder para revidar o fez. A Holanda declarou guerra a Inglaterra, que duraria desde 1652 a 1654 com a vitória da Inglaterra que assim seria coroada vencedora.

A Inglaterra graças a sua vitória teve maior industrialização, portanto, nem necessitou mais tarde dessa lei.

História da Inglaterra

redpajama_set_name: RedPajamaWikipedia


In order to investigate molecular characteristics of beta-hemolytic streptococcal isolates from western Norway, we analysed the entire emm gene sequences, obtained superantigen gene profiles and determined the prevalence of the gene encoding streptococcal phospholipase A2 (SlaA) of 165 non-invasive and 34 contemporary invasive group A, C and G streptococci (GAS, GCS and GGS). Among the 25 GAS and 26 GCS/GGS emm subtypes identified, only emm3.1 was significantly associated with invasive disease. M protein size variation within GAS and GCS/GGS emm types was frequently identified. Two non-invasive and one invasive GGS possessed emm genes that translated to truncated M proteins as a result of frameshift mutations. Results suggestive of recombinations between emm or emm-like gene segments were found in isolates of emm4 and stG485 types. One non-invasive GGS possessed speC, speG, speH, speI and smeZ, and another non-invasive GGS harboured SlaA. speA and SlaA were over-represented among invasive GAS, probably because they were associated with emm3. speG dys was identified in 83% of invasive and 63% of non-invasive GCS/GGS and correlated with certain emm subtypes. Our results indicate the invasive potential of isolates belonging to emm3, and show substantial emm gene diversity and possible lateral gene transfers in our streptococcal population.
Group A streptococci (Streptococcus pyogenes, GAS) cause human disease ranging from mild skin and throat infections to necrotising fasciitis (NF) and streptococcal toxic shock syndrome (STSS). Group C streptococci (GCS) and group G streptococci (GGS) causing human infections are most often of the species Streptococcus dysgalactiae subsp. equisimilis (SDSE) and are phylogenetically related to S. pyogenes. SDSE has recently emerged as bacteria increasingly associated with invasive human infections resembling those caused by GAS [1, 2, 3]. GAS produces a variety of cell-wall-anchored virulence proteins. Among them is the antiphagocytic M-protein, an alpha-helical coiled-coil dimer anchored in the cell wall and extending from the cell surface. The basic central structure consists of conserved, variable and hypervariable repeat blocks with a seven residue periodicity (labelled C, B and A blocks respectively), and the N-terminal portion terminates in a non-helical hypervariable opsonogenic segment . M proteins of GAS can be divided into class I and class II molecules based on variations in the structure of repeated segments in the conserved C-terminal region . M proteins have also been identified in GCS and GGS associated with human disease and have been shown to have antiphagocytic activity and be structurally similar in their conserved domain to class I molecules of GAS [6, 7]. The emm gene encodes the M protein, and emm typing based on the nucleotide sequence encoding the 50N-terminal amino acids (aa) of the mature protein is a major epidemiological tool in surveys on GAS, GCS and GGS. The M protein is multifunctional, and the variable and conserved domains also seem to play a significant role in the pathogenesis of streptococcal disease [8, 9, 10]. Diversity across the full length of emm genes, including variations in the number of repeats in the hypervariable, variable or conserved regions of emm genes have previously been shown among GAS within types emm6, emm18 and emm28 [11, 12, 13, 14]. Furthermore, in a recent phylogenetic analysis based on the whole surface exposed M protein a high degree of M protein diversity was observed within B- and C-repeats of Belgian GAS isolates . Full-length emm gene analysis is also interesting from a vaccine perspective, as both N-terminal opsonogenic fragments and epitopes from C-repeats of GAS M proteins have formed the basis of different GAS vaccine candidates [16, 17].
Phage genomes are mobile genetic elements, and phages integrated into the bacterial chromosome have accounted for up to 10% of the total genome in GAS . Genes encoding the majority of the virulence-associated exoproteins called streptococcal superantigens (SAgs) are carried on phages, and the gene encoding streptococcal extracellular phospholipase A2 (SlaA) was localised on the same phage as the SAg speK in the M3 strain MGAS315 . Phages are probably the primary means of lateral gene transfer among GAS, GCS and GGS, and genetic recombinations between related streptococcal species are likely to change the pathogenic potential of the recipient strains. The phage-mediated SAgs speA, speC, ssa and speM, the chromosomally encoded smeZ and the speG orthologue speG dys have previously been identified in GCS/GGS isolates [20, 21, 22], but SlaA has not previously been documented in SDSE. Studies on GAS, GCS and GGS epidemiology often include isolates associated with invasive disease only, and over-representation of certain emm types/M serotypes or streptococcal clones could merely reflect the distribution of these in the geographical area under investigation. However, results from studies comparing strains causing mild and serious infections have not been unequivocal in this respect. Although certain streptococcal emm types or clones correlate significantly with invasive disease [23, 24], other studies do not identify strains or emm types significantly associated with severe disease manifestations .
Invasive group A streptococcal (iGAS) disease is endemic in our community, and outbreaks of invasive streptococcal disease with different emm/M types have occurred during the last two decades [26, 27]. In order to compare molecular characteristics of isolates associated with mild and severe disease and search for evidence of horizontal gene transfers between related streptococcal strains, we have analysed the full-length emm genes, SAg gene profiles and the prevalence of SlaA in a sample of non-invasive and contemporary invasive GAS, GCS and GGS isolates from the same geographical distribution in western Norway during 2005–2006.
We included GAS, GCS and GGS isolates associated with non-invasive and invasive infections in western Norway during a 13-month period from February 2005 to March 2006. The non-invasive isolates (n = 165) were the same as in a previous study . The isolates associated with invasive streptococcal disease (n = 34) included all the available contemporary invasive isolates (one per patient) identified in the laboratory of bacteriology, Haukeland University Hospital. Invasive disease was defined by isolation of GAS, GCS or GGS from a normally sterile site, or from a non-sterile site in combination with streptococcal toxic shock syndrome (STSS) or necrotising fasciitis (NF). STSS was defined using criteria originally meant for GAS , and NF was defined as described previously . The study was approved by the Privacy Appeals Board and the Regional Committee of Medical Research Ethics.
Out of the 22 isolates associated with iGAS disease, 14 were from blood, 5 were from other sterile sites (synovial fluid, peritoneal fluid or bone) and 3 were obtained from skin or soft tissue in association with NF. We identified 1 GCS and 11 GGS isolates associated with invasive disease; 10 were from blood, 1 GGS isolate was from a soft tissue biopsy in association with NF and the GCS strain was obtained from synovial fluid. All 199 isolates were beta-haemolytic and formed large colonies on blood agar. Group carbohydrate was ascertained using the Streptococcal Grouping kit (Oxoid, Cambridge, UK).
emm typing of the invasive isolates was done as described for the isolates associated with non-invasive infection , with previously reported primers . In order to analyse the entire emm genes of the 199 isolates, the primers used for emm amplification were also used for sequencing in both directions. The emm genes predicted to encode truncated M proteins were sequenced twice. The nucleotide and predicted protein sequences downstream of the signal peptide cleavage site were analysed. Alignments of all sequences belonging to the same emm type were obtained using the ClustalW2 software program (http://www.ebi.ac.uk/Tools/clustalw2/index.html) or EMBOSS Pairwise Alignment Algorithms (http://www.ebi.ac.uk/Tools/emboss/align/) when appropriate. The sequences of different alleles of the same emm type were also aligned and analysed manually. Sequence homology to the full length of the sequences was sought using BLASTN (GenBank).
A multiplex PCR with primer pairs for the 11 GAS exotoxin genes speA, speC, speG, speH, speI, speJ, speK, speL, speM, ssa and smeZ was used as described . In order to cover the allelic variations of smeZ, we also used a simplex PCR with an alternative primer pair . Simplex PCR amplifications of speG dys and SlaA were performed with primers previously described . The speG dys primers amplified gene segments of equal size in both speG dys and speG, while the speG primers included in the multiplex PCR only amplified alleles of speG. Thus, all 199 isolates were screened for the presence of the 11 GAS exotoxin genes and SlaA, while only GCS/GGS isolates were subjected to PCR with the speG dys primers. The single non-invasive GGS of type stG6.7 possessed genes encoding speC, speG, speH, speI and smeZ, and 1 of the 3 non-invasive GGS of type stG10.0 possessed SlaA. The SAg genes and SlaA amplified from GGS were sequenced twice in both directions using the same primers as for initial amplification. In order to confirm that these two GGS isolates were of the species SDSE we sequenced their 16S ribosomal RNA genes using a previously reported primer pair .
Sequence data were assigned to GenBank accession numbers: FJ531815-FJ5319 (emm4.5, emm4.0–4, emm4.0–1, emm4.0–2, emm4.0–3), FJ531820 (emm12.0-2), FJ531821 (emm12.17), FJ531822 (emm22.3), FJ531823 (emm22.0), FJ531824 (emm28.4), FJ531825 (emm28.0-2), FJ531826 (emm49.3), FJ531827 (emm73.0), FJ531828 (emm75.0), FJ531829 (emm78.3), FJ531830 (emm80.0), FJ531831 (emm80.1), FJ531832 (emm82.0), FJ531833 (emm87.0–1), FJ531834 (emm87.0–2), FJ531835 (emm89.0–1), FJ531836 (emm89.0–3), FJ531837 (stC1400.5), FJ531838 (stC1400.0), FJ531839 (stC74a.0–2), FJ531840 (stC6979.0), FJ531841 (stCK401.3), FJ531842 (stG166b.0–1), FJ531843 (stG166b.0–2), FJ531844 (stG245.0), FJ531845 (stG245.1), FJ531846 (stG480.0), FJ531847 (stG4222.0), FJ531848 (stG485.0–1), FJ531849 (stG485.0–2), FJ531850 (stG4831.0), FJ531851–FJ531857 (stG6.0-1, stG6.0–3, stG6.0–4, stG6.0–2, stG6.3, stG6.4, stG6.5), FJ531858–FJ531862 (stG643.0–1, stG643.0–2, stG643.1–1, stG643.1–3, stG643.1–2), FJ531863–FJ531868 (stG652.0–1, stG652.0–4, stG652.0–2, stG652.0–3, stG652.1, stG652.3), FJ493181 (emm1.0–2), GQ845001 (stC74a.0–1), GQ923927 (stG6.7), GU015026 (stG6792.0), GU015027 (emm11.7), GQ923928–GQ923932 (SDSE smeZ, speC, speG, speH, speI), GQ923933 (stG10.0), GQ923934 (SDSE SlaA). The alleles emm1.0–1, emm2.0, emm3.1, emm9.0, emm12.0–1, emm28.0–1, emm77.0–1, emm77.0–2, emm82.1, emm89.0–2, emm92.0 and stG62647.0 exactly matched emm gene sequences with the following GenBank numbers respectively: CP000017, CP000260, AE014074, EF460485, CP000259, CP000056, DQ010927, AY139399, DQ010928, EU089975, EF460478 and DQ522163.
Nominal data were analysed using Stata Statistical Software; version 10 (Stata). Fisher's exact test was used in order to assess the association between disease type (invasive or non-invasive) and emm type, SAg genes and SlaA. Because multiple comparisons were performed, both unadjusted and Bonferroni corrected p values were calculated. A two-sided p value <= 0.05 was considered significant.
Table 1 shows the distribution of emm types and clinical manifestations associated with GAS, GCS and GGS disease. Seven GAS and seven GCS/GGS emm types were shared by both non-invasive and invasive isolates. Among these 14 types, emm3 was the only one significantly associated with invasive disease (unadjusted p < 0.001, Bonferroni corrected p < 0.016). All emm3 isolates belonged to subtype emm3.1 and accounted for 32% of the invasive and 4% of the non-invasive isolates. The emm sequence of the entire sequenced region was identical in these isolates. emm3, 12 and 28 accounted for 68% of the total iGAS isolates. Among the GCS/GGS isolates, the predominant types were stG485, stG6 and stG643, accounting for 59% of the invasive and 58.5% of the non-invasive isolates. Skin or soft tissue infections were the most frequent primary site of both the total non-invasive (74.5%) and invasive (41%) infections. NF was associated with both GAS (n = 3, emm types emm1.0, emm3.1 or emm28.0) and GGS (n = 1, emm type stC74a.0). STSS developed in 2 patients with NF (emm1.0 or emm3.1) and in 2 patients with primary bacteraemia or skin/soft tissue infection (stG480.0 or stG485.0).
M protein size variations were inferred within 8 out of 13 GAS emm types and 7 out of 11 GCS/GGS emm types identified in two or more strains (Fig. 1). Deletions/insertions of repeated segments occurred mainly in the conserved regions of emm genes in GAS, while such variations were seen in the hypervariable, variable or conserved regions of emm genes in GCS/GGS. Nucleotide polymorphisms resulting in aa variations occurred within 5 GAS emm types and 7 GCS/GGS emm types. Novel subtypes, stG6.5 and stG6.7, were found in 2 GGS isolates, both predicted to encode truncated M proteins of only 56 and 42 residues respectively. The former was associated with severe soft tissue infection together with bacteraemia and the latter with mild skin infection. Both had unique single nucleotide deletions in the repeated segments of the hypervariable region (HVR) compared with other alleles of stG6, causing frameshift and stop codons downstream. A single nucleotide insertion in the emm gene of another non-invasive isolate of type stG652.0 caused a frameshift, and this emm gene was predicted to generate a truncated M protein of 110 aa. Eight alleles (emm1.0–2, emm78.3, emm82.1, emm89.0–1, stC1400.0, stG6.5, stG652.0–3 and stG6792.0) were exclusively found among isolates associated with invasive disease. Four out of 9 non-invasive isolates possessed an emm4 allele (emm4.0–4), which was highly divergent from the other alleles of this subtype in the conserved region, probably as a result of intergenic recombination between emm4 and the emm-like gene enn4 (Fig. 2a). Among the 13 isolates possessing stG485.0, we identified 2 alleles (stG485.0–1 and –2), which were highly divergent downstream of nucleotide 333, indicating lateral genetic transfer between different emm genes (Fig. 2b). All 3 invasive and 6 out of 10 non-invasive isolates belonging to stG485.0 possessed allele stG485.0–2.
Thirty-four GAS isolates (28%) had 4 C-repeats, 38 isolates (31%) had 3 C-repeats and the remaining 51 GAS isolates (41%) had 2 C-repeats. We identified 4 C-repeats in 34 GCS/GGS isolates (47%), 30 isolates had 3 C-repeats (41%), eight isolates had 5 C-repeats (11%) and only one isolate contained 2 C-repeats. We also checked the C-repeat regions for the presence of J14, a short peptide sequence that forms the basis for GAS vaccine candidates based on conserved M protein epitopes . J14 was identified among all isolates of GAS class 1 M proteins (emm1, emm3, emm12 and emm80). The remaining GAS isolates possessed class II M proteins. All these isolates harboured the J14 homologue J14.1, except for four isolates possessing the recombinant emm4.0–4 allele and a single isolate harbouring emm78.3. The predicted M protein of the latter contained a J14 homologue sharing 13 out of 14 aa with J14.1. Seventy-two out of 73 predicted GCS/GGS M proteins available for C-repeat analysis (i.e. all except the three truncated M proteins) contained J14; the isolate possessing stC6979.0 contained a J14 homologue sharing 13 out of 14 aa with J14. J14.1 was not detected in any of the GCS/GGS M proteins.
Table 2 shows the distribution of SAg genes and SlaA within emm types. Each GAS emm type had a fairly similar SAg gene profile regardless of the source of the isolates. However, it is noteworthy that speC was present in all invasive isolates of five different emm types, but was detected in only some of the non-invasive isolates within 4 of these 5 types. ssa seemed to be more frequently detected among invasive than non-invasive GAS isolates possessing emm12, but there were only 3 invasive isolates. speA, detected in all isolates possessing emm3 or emm1 and in 1 non-invasive isolate harbouring emm28, and was significantly over-represented among invasive strains (unadjusted p = 0.002, Bonferroni corrected p = 0.032). speH and speI, previously reported to be on the same phage , were found in all isolates of types emm12, emm82, emm49 and emm73. speG was found in all GAS isolates except in all 8 isolates of emm4.0 and the 2 isolates that belonged to emm77.0, while only isolates of emm2.0 (n = 2) and emm49.3 (n = 1) failed to amplify smeZ. Thus, these isolates either lacked the same speG or smeZ or had allelic variations not detected by our primers. SlaA and speK, identified previously on the same phage , were detected in all 11 isolates harbouring emm3, in 1 out of 5 invasive and in 13 out of 22 non-invasive emm28 isolates, and in 2 isolates of either emm80.0 or emm77.0. However, the single isolate of emm80.1 seemed to harbour only speK, as SlaA was negative.
speG dys was identified in 10 out of 12 (83%) invasive and 40 out of 64 (63%) non-invasive isolates (unadjusted p = 0.202). As shown in Table 3, the presence of this SAg gene correlated with certain emm types, and within types stC1400, stG6, stG643 and stG652 also with specific subtypes. The GGS isolate of emm type stG6.7 possessed speC, speG, speH, speI and smeZ. One out of three non-invasive GGS isolates of emm type stG10.0 harboured SlaA. The sequenced regions of the speC-H-I and SlaA genes were identical to corresponding genes previously identified in GAS and deposited in GenBank. The speH, speI and SlaA alleles found in GGS were also highly homologous to alleles of these genes identified in Streptococcus equi subsp. equi isolated from horse (Streptococcus equi subsp. equi 4047, complete genome, GenBank accession number FM204883). The sequenced region of the GGS smeZ and speG alleles identified, differs from their closest match in GAS only by a single nucleotide substitution (smeZ-3, GenBank accession number AB046865 and speG, GenBank accession numbers AM295007, CP000261, CP000259 and CP000056). Sequencing of the 16S rRNA gene confirmed the identity of these two GGS isolates as SDSE.
To our knowledge, this is the first study comparing the full-length emm genes, the distribution of all known streptococcal SAg genes and the prevalence of SlaA among invasive and contemporary non-invasive GAS, GCS and GGS isolates. Although the relatively small sample size, short study period and lack of geographical diversity do not allow firm conclusions, emm3 seemed to be particularly associated with highly virulent GAS isolates. The prevalence of isolates belonging to other major GAS emm types, like emm12 and emm28, indicated a widespread occurrence of these in the community and not a distinct ability to cause severe disease. emm1, over-represented among isolates associated with iGAS disease in Norway during 1988–2003 and in other western countries [13, 37, 38, 39], was infrequently identified among our GAS isolates. These four types accounted for 46% of the invasive GAS isolates in a recent Strep-EURO report , and isolates possessing emm1 or emm3 have previously been associated with severe disease manifestations like STSS and NF [37, 41, 42]. In western Norway, emm1, emm3 and emm6 accounted for 86% of the isolates associated with iGAS disease during 1992–1994 , while emm89, emm1 and stG10 were the dominating types during an outbreak of severe streptococcal disease in 2002–2003 . The three most prevalent GCS/GGS emm types among both non-invasive and invasive isolates in our material (stG485, stG6 and stG643) were recently reported to be frequently associated with severe GCS/GGS disease in the United States , and stG485 and stG6 were prevalent types among invasive GGS isolates collected in Israel, Taiwan and Japan during the last two decades [1, 2, 33]. stG10, a type that significantly correlated with invasive GCS/GGS disease in Portugal during 1998–2004 , was absent from our invasive sample. The relatively low prevalence of emm1 and the absence of emm6 and stG10 among our invasive isolates illustrate that predominant emm types associated with severe streptococcal disease vary with time and geographical location.
The HVRs of GAS M proteins elicit the production of protective antibodies in the host, and mutations in this region of emm genes could promote escape from immune clearance . It is conceivable that GCS and GGS M proteins also contain opsonic epitopes and that antigenic variation in their HVRs could be the means of evasion from host antibody recognition. The emm type diversity in our region was illustrated by the identification of 25 GAS and 26 GCS/GGS emm subtypes. One of the three isolates with a predicted truncated M protein was from severe soft tissue infection together with bacteraemia, indicating the involvement of virulence factors other than the M protein. The frequently observed in-frame emm gene size mutations within emm types of both GAS and GCS/GGS were probably caused by homologous intragenic recombinations  or slipped-strand mispairing, and generated variable numbers of A-, B- and C-repeats. Such size mutations involving B- and C-repeats in emm6 and C-repeats in emm18 and emm28 have previously been reported [11, 13, 14]. It is not shown that B-repeats contain opsonogenic epitopes, but studies on the M5 protein have indicated that these segments are crucial for phagocytosis resistance . The binding sites for the complement regulatory protein CD46 are located within the C-repeat of GAS M protein, and the bound CD46 mediate adherence to keratinocytes and invasion of human lung epithelial cells [8, 9]. Thus, changes in the hypervariable, variable and conserved segments of M proteins may influence many aspects of streptococcal virulence.
Interestingly, the vast majority of GAS and GCS/GCS isolates in the present study harboured either J14 or J14.1. J14 evoked opsonising antibodies against GAS isolates of many emm types, including those that harbour J14.1, in a previous study . J8, a peptide fragment contained within J14, has been proposed as a GAS vaccine candidate. J8 conjugated to diphtheria toxin (DT) induced the production of opsonic antibodies against GAS in a mouse model , and both J8-DT- and J14-DT-immunised mice were shown to be protected from challenge with GAS strains expressing J14 or J14.1 (Michael Batzloff, Queensland Institute of Medical Research, unpublished data). In a recent study, GAS and GCS/GGS isolates from Fiji were emm and C-repeat typed. As among our streptococcal isolates, nearly all of those isolates contained either J14 or J14.1 . The 26-valent GAS M protein vaccine composed of epitopes from the hypervariable end  would theoretically cover 86% of our invasive and 65% of our non-invasive GAS, but only 26% of the GAS isolates from Fiji. The J8 vaccine candidate would protect against a broader range of emm types, and theoretically could also induce cross-protective immunity against GCS/GGS. Therefore, a vaccine based on conserved M protein epitopes may be an alternative to a multivalent M protein vaccine in areas with a high burden of GAS, GCS and GGS disease.
Genetic recombinations between GAS, GCS and GGS involving SAg genes, neutral genes, group carbohydrate and emm genes have previously been documented [20, 21, 46, 47, 48], and such transfers may create mosaic chromosomal backgrounds and potentially alter the virulence potential of the strains involved. Our data indicate that lateral gene transfer is ongoing in our streptococcal population, although such events did not seem to be particularly associated with highly virulent strains. The identification of multiple SAg genes and SlaA in non-invasive GGS was suggestive of lateral gene transfers from GAS to GGS: The detection of speC-H-I and SlaA in GGS indicate phage-mediated genetic transfers, while we might speculate that the chromosomally encoded speG and smeZ have been transferred from GAS to GGS by conjugation. speH, speI and SlaA have to our knowledge not previously been documented in SDSE, but orthologues of these genes have been identified in strains of Streptococcus equi subsp. equi associated with clinical infection or carriage in horses .
The virulence gene profiles were highly conserved within most of the emm types in our material, indicating a link between emm type and phage preference. Results from previous studies have also suggested a correlation between emm type and specific SAg gene profiles in GAS [23, 50]. In line with these reports, we found that speA was highly prevalent among isolates bearing emm1 and emm3, ssa was detected in the majority of isolates of emm3 or emm4, all our emm12 isolates harboured speH, and speC was the most prevalent phage-encoded SAg. Although it is noteworthy that ssa and speC were over-represented among invasive isolates within certain emm types in our material, the small number of isolates involved do not allow firm conclusions to be drawn. The over-representation of speA and SlaA among our invasive GAS isolates probably reflects the genetic armament of isolates belonging to emm3. SlaA seems to be a virulence factor, as an isogenic SlaA mutant attenuated colonisation of epithelial cells and decreased tissue destruction compared with the wild type parental strain in a mouse model . Recently, SlaA was found in the vast majority of contemporary isolates belonging to emm3 and was infrequently identified in isolates of other emm types, including emm28 .
Among the GGS/GCS isolates in the present study, speG dys correlated with certain emm subtypes, but was not significantly linked to invasiveness. In two previous studies from Japan, speG dys was identified in 19 out of 28 GCS/GGS isolates associated with STSS, and none of these harboured SAgs previously identified in GAS [33, 53]. Furthermore, culture supernatants from GGS associated with STSS showed no mitogenic activity towards peripheral blood mononuclear cells (PBNC), and recombinant proteins encoded by speG dys from the same bacterial isolates stimulated PBCN only weakly in a recent study . These facts imply that speG dys and other SAgs might not play a major role in the pathogenesis of severe human disease caused by SDSE.
In conclusion, we found substantial emm gene diversity and possible lateral transfers of phage-and chromosomally encoded virulence genes in the natural population of GAS, GCS and GGS. The over-representation of emm3 among invasive GAS isolates in this small sample collected during a limited time period, calls for continuous epidemiological surveillance of the streptococcal population in our community and further research into the pathogenesis associated with this emm type.
This work was supported by the Institute of Medicine, University of Bergen.
We thank Bjørn Blomberg for helpful discussions and Rebecca E. Breistein for technical assistance. We sincerely acknowledge Shiranee Sriskandan and Mark Peter Gerhard van der Linden for providing the GAS isolates that served as positive controls in the multiplex PCR used in this study, and Michael Batzloff for sharing unpublished results with us.


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Category: Instapartners
Thursday September 1st 2016, Daily News Digest
News Comments Today's interesting reads: Moody's pointing out Prosper Marketplace successfully avoiding Madden vs Midland risk and new laws perhaps coming ; Amazon and Wells Fargo split up. In the UK : IFISA will open to bonds in Nov 2016. And more internationally: India will most likely get p2p regulation before Sunday; and interesting market overviews […]
Today's interesting reads: Moody's pointing out Prosper Marketplace successfully avoiding Madden vs Midland risk and new laws perhaps coming ; Amazon and Wells Fargo split up.
In the UK : IFISA will open to bonds in Nov 2016.
And more internationally: India will most likely get p2p regulation before Sunday; and interesting market overviews in Italy and Indonesia.
Amazon and Wells Fargo break up. I would love to know the reasons. In all cases, as we have seen in the past, large companies have a lot of internal politics and constraints (legal, image, budget, interests, priorities, competing landscapes, etc.) which make them rigid and slow.
Moody's pointing out 2 very important changes: Prosper Marketplace, in their eyes, successfully adjusted their origination model to avoid Madden vs Midland. And US Representative Patrick McHenry has introduced a bill in Congress to explicitly protect against Madden vs Midland.
Yirendai to defend against lawsuits for materially false misleading statements.
Moody's report on SME lending. An interesting read.
IFISA will allow investment in bonds starting November 2016. Very important: please note the different between bonds ( where you put all your market in the same loan to 1 large company) vs p2p (where you diversify over 300+loans ideally). A very important change our readers need to be aware of.
In 2015 vs 2014 Zopa doubled it's origination ( = 100% growth) while losses grew by 45%. I would say champagne ! Many people, however, see it as bad results which I don't understand.
RBI likely to release p2p rules before Sunday. A lot of speculation of what they will look like.
A very interesting article about p2p lending in Italy, present, and prospects. I agree with everything that is said and I wonder how many other markets like Italy are out there. Turkey ? Egypt ? Chile ? Korea ?
China's self-styled "Warren Buffett" claims all of p2p lending in China is a scam. I would say that perhaps a much larger percentage of the Chinese p2p market is a fraud compared to other places but there are plenty of legit operations as well. Time and new rules will filter the good ones. In the meantime,we agree, one needs to be extremely cautious at least.
Indonesia is the 4th most populated country in the world and South East Asia's largest economy. P2P and Fintech have huge potential in Indonesia. An overview of what is going on, and how the government is apparently trying to help.
Amazon and Wells Fargo part ways on private student loan deal, (Washington Post), Rated: AAA
Moody's: New efforts to bolster lender protections won't eliminate legal risks for marketplace lenders, (Moody's), Rated: AAA
Yirendai to defend against legal suits, (Shanghai Daily), Rated: A
Moody's: Marketplace Lending is Good for Small Business Even as Pitfalls Remain, (Crowdfund Insider), Rated: A
Crowdfunded bonds: an income solution for ISA savers?, (City Wire), Rated: AAA
Zopa doubles lending but reports £8.9m annual loss, (Financial Reporter), Rated: A
RBI likely to agree on nodal agency, (Business Standard), Rated: A
Marketplace Lending in Italy Still in Infancy but Long Term Potential is Promising, (Lend Academy), Rated: A
Fosun chairman calls China's P2P market a 'scam', (FT), Rated: A
Indonesia's Fintech investment to reach $ 8 b in two years: KADIN, (Deal Street Asia) ,Rated: A
(Amazon chief executive Jeffrey P. Bezos owns The Washington Post.)
Barely a month after teaming up, Wells Fargo has stopped offering Amazon.com customers discounted interest rates on private student loans.
Neither company would explain the abrupt end of the program, only confirming that it has been discontinued. The Wells Fargo Web page that once heralded the union now redirects to the bank's run-down of its student loan products.
Until this week, Amazon Prime Student subscribers who applied for any of the bank's education loans were eligible to have their interest rate lowered by half a percentage point. The deal was a bit unusual. Though it's not uncommon for banks to partner with retailers to offer credit card customers discounts on shopping or travel, loans are another thing.
"We congratulate Amazon for deciding to stop promoting Wells Fargo's costly private education loans," said Pauline Abernathy, executive vice president of the Institute for College Access and Success (TICAS). "Private loans are one of the riskiest ways to pay for college, with none of the flexible repayment options and consumer protections that come with federal student loans. Students should consider other schools if a school requires them to take out a private loan."
Two recent developments in the marketplace lending space will be credit positive for some asset-backed securities (ABS) backed by marketplace loans, Moody's Investors Service says in a new report. The moves, which reflect efforts to strengthen protections for holders of marketplace loans against legal actions by consumers, won't eliminate this risk entirely, however.
"Some marketplace lenders have recently changed their origination model to address legal risks that could impair consumer loans whose interest rates exceed state usury limits," says Moody's analyst, Jody Shenn. "Meanwhile, newly proposed legislation, if passed, would create more explicit protections from state usury laws for bank-originated loans that are sold."
Prosper Marketplace Inc. is the latest marketplace lender to adjust its origination model in the wake of the Madden v. Midland Funding LLC decision and other rulings, Shenn says. The changes strengthen loan holders' ability to protect themselves against legal actions by consumers whose loans have high-interest rates but don't completely remove this risk. Madden-like challenges, for example, could be heard by judges who are sympathetic to plaintiffs' arguments.
Separately, US Representative Patrick McHenry has introduced a bill in Congress that would more explicitly protect bank-originated loans from state usury laws. If passed, the legislation would state that if a loan is valid when made due to the federal preemption of state usury laws, it would remain valid if it is then sold, assigned, or otherwise transferred.
"Such legislation would be credit positive for marketplace lending ABS because it directly addresses the Madden ruling and would prevent legal challenges based on the same theory," Shenn says. "The bill is very narrow, however. It doesn't resolve the issue of whether the bank or marketplace lender is the true lender of a loan, for example, which therefore is a separate legal risk for securitization transactions."
Fifteen Chinese firms were sued in securities class action lawsuits in the US in 2015, taking up over 40 percent of all shareholder suits filed against US-listed foreign firms, research by Stanford Law School and Cornerstone Research showed.
On Tuesday, both New York and New Jersey-based law firm Bronstein, Gewirtz & Grossman filed a lawsuit accusing Yirendai of making "materially false misleading statements." On the same day Rigrodsky & Long PA filed a legal suit for the Central District of California against the P2P lender's failure to disclose "rising fraud related to customer applications for its loan products," and the negative impact that "the implementation of new anti-fraud regulations could have on Yirendai's performance."
Yirendai, the consumer finance arm of Chinese P2P lender CreditEase, yesterday rejected the complaints as "without merit" and the company intends to defend its interest.
Moody's report in full can be found here.
Moody's has published a report on the marketplace lending industry stating that platforms are "steadily expanding credit to small and medium-sized enterprises (SMEs) – but challenges remain. The authors are of the opinion that partnerships with traditional banks may ease the path forward for this segment of online lending.
Moody's believes the new lending technology can help provide credit to SMEs while banks will benefit from access to the technology – including faster loan review – while expanding their relationships with customers.
The caveat to all of this is the looming risks of online lending and the list is challenging. Moody's highlights model risk, regulatory risk, loan performance uncertainty and, yes, the risk from banks that are going it alone. With Goldman Sachs poised to enter the market in weeks, existing MPLs will have additional competition.
From November, the type of crowdfunded loans that will be authorized to sit within the new ISA will expand to include crowdfunded bonds. Unlike P2P lending, where investors' money is spread among a large number of smaller loans typically made to small businesses and individuals, crowdfunded bonds see all of an investor's money lent to larger, more established company.
The newest addition to the ISA stable, the 'Innovative Finance ISA', has been available since April. Currently, it allows peer-to-peer (P2P) lending investments to be held tax-free, such as loans made through lending platforms like Zopa, RateSetter and Funding Circle.
Julia Groves, head of crowdfunding at Downing and founder of the Crowdfunding Association, argued crowdfunded bonds were cutting out the fund manager middle-men and their high fees, meaning there were greater returns for investors.
Downing offered its first crowdfunded bond – investing in solar energy – at the beginning of the year at a fixed interest rate of 6.25%. It has launched eight bonds to date and is looking at launches next year that will enable investors to lend to care homes and nursery schools. Alongside solar investments, there is also a Pub Bond that offered 5.75% over 12 months plus a 20% discount card for investors in a chain of Home Counties pubs that is hoping to expand from its current four.
Downing is also seeing a boost from pension freedom, which has given over-55s the ability to be more flexible with their retirement savings.
Peer-to-peer lending platform Zopa doubled lending to £532 million in 2015 but announced a 45% increase in annual losses from £6.1 million in 2014 to £8.9 million.
Zopa says the loss is due to "significant internal investments" throughout 2015. Headcount more than doubled, from 70 people in December 2014 to 157 in December 2015, and a focus on technology innovation combined with increased marketing activities stimulated the growth in disbursals and revenue.
The Reserve Bank of India (RBI) is expected to issue the final guidelines for peer to peer (P2P) lending in the next few days.
It is expected to concede to lending firms' suggestion for a nodal agency.
Comment: I had to look up what a nodal agency means. Nodal means: at a place where lines, systems, or paths meet. I assume a nodal agency would mean an agency that reports to multiple government stakeholders.
People familiar with the development say the final guidelines are expected to come out before he demits office on Sunday.
The P2P entities also suggested they should be given access to credit bureau data, which could get RBI approval. They say this will help improve the quality of borrowers. Apart from structural guidelines, the rest would be more suggestive in nature. "This is because the sector is still evolving and they don't want to clamp on it," said one player.
Some had asked the minimum capital requirement of Rs 2 crore be relaxed. While bigger entities wanted the amount to remain, smaller ones had reservations, saying they were not lending or accepting deposits, and it shouldn't apply to them. Now the players are also expecting a clarification on this.
As of the latest available figures Italy accounts for a minuscule 0.27% share of the volumes originated by the industry since inception. True, the UK accounts for the lion's share of the European pie at 84.80%, suggesting that marketplace lending in Europe is currently a tale of two markets: the UK, and "all the others". But Italy's share looks extremely low even in comparison with France's 3.33% and Germany's 5.55%. It is approximately one-third the size of Finland, a country whose population is over 10 times smaller than Italy's.
Two new platforms have joined the segment of loans to individuals: Soisy and Younited Credit, the latter having clearly taken the lead in new monthly originations after only four months since launch thanks to the strong support of its French mother company (the former Pret d'Union).
Four more platforms have been established to provide financing for businesses. Two of these are already operating: Borsa del Credito (which focuses on medium-term (36 to 60 months) financing for micro-businesses and SMEs) and Work invoice, which as the name suggests is a marketplace for companies aiming at financing their business via the sale of some of their receivables.
Before the end of 2016, they will be joined by Instapartners, an initiative backed by an impressive team of former top consultants and well-known entrepreneurs and CashMe. Both newcomers will be focusing at least initially on offering short-term financing solutions to SMEs.
Data collected from sources such as Milan's Polytechnic (publisher of an annual report on Crowdfunding which from this year also included "Crowdfunding Lending") or our own site P2Plendingitalia.com (a specialist blog/site in Italian which collects monthly figures from all the platforms) are still very modest in absolute terms.
Italy is a market only marginally smaller than the UK, in terms of population (60 mn people vs the UK's 65 mn) or measured by the size of its GDP. It is also home to over 6 mn businesses, of which 4 mil classified as "micro-businesses". Finally, the pool of savings held by Italian households is huge. According to Bank of Italy's data, total financial assets held by Italian households at the end of 2014 amounted to €3.9 tn (approximately $4.3 trillion) and total net wealth was estimated at €8.7 tn ($9.5 trillion USD).
China's self-styled "Warren Buffett" and billionaire businessman Guo Guangchang on Wednesday called the country's Rmb440bn ($65.9bn) peer-to-peer lending market "basically a scam", becoming the latest high-profile executive to attack an industry that has been plagued by scandal.
The sector has been lauded for providing an alternative to low-interest deposits but has more recently gained a reputation for hosting some of the biggest scams involving retail investor cash in China's recent financial history, incurring the wrath of some of the country's top business people as well as the regulators.
Mr. Guo made the remarks at a press conference in Hong Kong following the release of the company's interim results. Another Fosun executive emphasized that the company, known for using insurance premiums to make investments abroad, had never dabbled in the P2P business.
Earlier this month, the president of Ping An Insurance, China's second-largest insurer, told the Financial Times that most P2P lenders were "fakes" and that the vast majority of China's P2P lenders would not be able to continue their business in the future.
The president of Ant Financial Services, a subsidiary of Alibaba that houses the group's payments and credit scoring platforms, has also tried to distance the company from China's broader P2P lending market.
Mr. Guo has been no stranger to controversy himself. The Fosun chairman disappeared for several days in December, only to re-emerge claiming he had been assisting an investigation in China. The group subsequently walked away from a deal to buy an Israeli insurance company.
The Indonesian Chambers of Commerce and Industry (KADIN) has said that the country's fintech industry is expected to receive up to $8 billion (Rp 105 trillion) of investments by 2018.
"In 2008, fintech investment stood at roughly $ 900 million. It had increased to three billion in 2013, and is projected to reach $ 8 billion by 2018," Roeslani said at the Indonesia Fintech Festival and Conference (IFFC)."
Southeast Asia's largest market Indonesia has been witnessing an emergence of a number of fintech companies such as peer to peer lending company Modalku, mobile recharge platform Sepulsa, e-commerce financing company Kredivo, online micro-lending company UangTeman and many others.
Not long before that, Indonesian P2P marketplace Investree said it had secured a series A funding commitment from a local venture capital firm, Kejora. Details of the amount, however, were not disclosed.
Transactions through fintech in Indonesia are estimated to be Rp 40 trillion in the past two years, a rapid escalation alongside growth in internet usage in the country, with a third of its 250-million population going online. A fifth of that number, however, still have no bank accounts.
Around the globe, KADIN recorded that customers in the fintech sector in Africa have risen almost two times to 101.3 million users, from 57.8 million reported in 2012. North America has 90.7 million users, while Europe acquires 64 million. Latin America saw a growth of 162 per cent of users, while in the Middle East the number of users has increased more than 300 per cent. In the Asia-Pacific region, investment in fintech rose fivefold to $ 2.7 billion in the first three months of this year from the same period a year ago.
Karaniya Dharmasaputra, Secretary General of Indonesian Fintech Association said, boosting cooperation and increase connections among fintech companies in Indonesia are one of the strategic objectives of the association, as it can help improve public access to technology-oriented financial services.
Author George PopescuPosted on September 1, 2016 Categories Amazon, bonds, Borsa del Credito, CashMe, Daily News Digest, Featured, IFISA, Instapartners, Italy, moody's, News, prosper, RBI, Soisy, Wells Fargo, Yirendai, Zopa

redpajama_set_name: RedPajamaCommonCrawl


text:
Q: How to layer polygons and points in Fusion Tables This has something to do with the Fusion Table Layer with polygons AND markers question. I have tried (below) the idea to overlay a layer of polygons with a layer of points/icons. However, I get only the polygons.
function initialize() {
  var MAP = {
    zoom : 5,
    center : new google.maps.LatLng(-25.610111, 134.354806),
    mapTypeId : google.maps.MapTypeId.ROADMAP
  },
  MAP = new google.maps.Map(document.getElementById("map-canvas"), MAP);
  var L1 = new google.maps.FusionTablesLayer({
    query : {
      select : "geometry",
      from : "1ertEwm-1bMBhpEwHhtNYT47HQ9k2ki_6sRa-UQ"
    },
    suppressInfoWindows : false,
    styles : [{
        where : "birds > 300",
        polygonOptions : {
          fillColor : "#FF0000",
          fillOpacity : .4
        }
      }, {
        where : "birds <= 300",
        polygonOptions : {
          fillColor : "#0000FF",
          fillOpacity : .4
        }
      }
    ]
  });
  var L2 = new google.maps.FusionTablesLayer({
    query : {
      select : "geometry",
      from : "1ertEwm-1bMBhpEwHhtNYT47HQ9k2ki_6sRa-UQ"
    },
    suppressInfoWindows : false,
    styles : [{
        where : "population > 5",
        markerOptions : {
          iconName : "snowflake_simple"
        }
      }, {
        where : "population <= 5",
        markerOptions : {
          iconName : "sunny"
        }
      }
    ]
  });
  L1.setMap(MAP);
  L2.setMap(MAP);
}
google.maps.event.addDomListener(window, "load", initialize);

I have tried a variety of different approaches, including specifying the map within the FusionTablesLayer call. Either I get the polygons or I get the points but not both.
Where am I going wrong with this?
The HTML framework I'm running this in is as follows:

    <meta name="viewport" content="initial-scale=1.0, user-scalable=no">
    <meta charset="utf-8">
    <title>Fusion Tables layers</title>

LATER

"Note: Styles can only be applied to a single Fusion Tables layer per map. You may apply up to five styles to that layer." -- FusionTablesLayer documentation

And there I am trying to have style on the polygons and style on the points. Sigh.

redpajama_set_name: RedPajamaStackExchange


text:
Q: Change version of Python via Anaconda Prompt I am trying to download python for a colleague via Anaconda. We are trying to download the right version as to maintain compatibility with Power BI. We're looking to implement Python visuals from within Power BI. By default, 3.7 is downloaded. I have read that 3.7 is not supported within Power BI. I need to downgrade to 3.6.5 (my version that I have confirmed works).
We have tried opening the anaconda prompt and running
conda install python=3.6.5
When running the above, we're told all of the upgrades and downgrades that will take place, we accept them, they all render to 100% but the code returns/ends with "[Errno 13] Permission denied: 'C:\Users\NAME\AppData\Local\Continuum\anaconda3\python.exe'"
After the "change" we run:
import sys
print(sys.version)
and he is still returns 3.7.3
Should we be attempting to change the version of python from within anaconda prompt? Command prompt? Do we need to uninstall anaconda altogether and specify a particular version of python to install? Will uninstalling anaconda uninstall python?
THANK YOU!

A: You can run it this way, so each version of python has its own anaconda environment (this will install all of anaconda's default packages in this environment as well):
conda create --name python3.6.5 python=3.6.5 anaconda

And when you want to use this version of python and all the installed packages do:
conda activate python3.6.5

To just create the environment without anaconda's default packages:
conda create --name python3.6.5 python=3.6.5


The reputation of the Persian carpet is founded on carpets of the "Herat" School with additional fortification from the Ardabils (recently dealt with elsewhere) and the Hunting Carpets, which as a group comprise the Vienna, Boston and Stockholm examples, (all silk) plus the addition of the Poldi Pezzoli woolen Hunting Carpet.
Another example often cited is the silk Branicki Carpet, Plate Twenty Six, whose present whereabouts are unknown. In fact it's not a Hunting carpet at all, as there are no hunters to be seen, however for convenience it is usually grouped with the others.
The white corner pieces resemble curtains which have been drawn back to reveal a green playground with animal combat depictions and lotus palmettes on a relatively simple scrolling vine layout. In the central medallion, four little bears crouch in terror at the onslaught of four pairs of hyper-aggressive dragons.
The theme of petrified prey is not an unusual one, but its prominence here seems strange. What may its patron have been thinking?
The green field with its constantly changing abrash is unsurpassed in any carpet. The choice of color for the minor borders seems haphazard but the wide strap-work border carries the day well enough with fish and snake-like dragons in lotus palmettes.
The black and white photograph, fig.25, shows at least the first third of the carpet is missing.


"Alisdair is great to work with – always happy to suggest interesting ways to get that perfect shot that meets the brief. And of course he has a great eye for creating stunning pictures, with a real knack for making the ordinary appear beautiful". David Quinn, Marketing Manager, Dubai Ports.


text:
The Carolwood Estate
$90,000,000Price
17Total Baths
The former Walt Disney property contains 4 acres and features an 8 bedroom and 17 bathroom home built in 2001 that spans three levels for a total of 35,000 square feet an especially accommodating number for those who enjoy entertaining friends.
Of special note are the estate features which include a wine cellar, pool house, tennis court, putting green, custom movie room, three bars, library, gym, and two safe rooms. Guests can be assured that every square inch of this nearly four-acre property has been carefully crafted and properly cared for. Beyond the trees surrounding the pool and tennis court lies a ravine that leads into a bridal path/curtain shared by homeowners of Carolwood. Not only does this separate the lots but also makes the property feel even more vast; indeed, four acres feels like seven.
No houses are in sight, ensuring an unparalleled level of privacy and serenity in Los Angeles' most desirable neighborhood, Holmby Hills. Separate quarters are designated for help and special event staff that includes two beds and a living room made accessible via a service entrance of the garage. A Gavin de Becker security system provides peace of mind using Crestron monitors throughout the house and the ability to see which doors are open and which are locked at all times.
Upon walking through the front entrance, one is greeted by a two-story oval foyer with plaster-veneered walls, crown molding, and statuary and verde jade marble flooring. The main staircase is positioned off to the side to offer additional privacy for the children's suites upstairs. Each main room has commanding 12' high ceilings showcasing three inch-thick mahogany doors, to either open or close off an area, and double-framed windows throughout. The living room ceiling was raised to 15' to emulate the scale of a grand house of the 1920s and 30s. Natural light seeps into the gallery that flanks the sitting and dining rooms, which are built extra wide to allow for the flow of guests during parties.
Dating back to the 19th Century, the mantels are made of the finest of marbles, crown molding hugs the corners throughout the estate, creating an elegant, polished look. The use of pure mahogany remains an architectural theme within this home, found most strikingly in the master suite, library, and, as a transitional element, between rooms. These mahogany doors vary from two inches to three and a quarter inches in thickness, casting a hefty load if one chooses to close them to create more privacy. Double-paned windows offer a pleasing natural backdrop and light throughout the house to the upper level lawn. All counter-tops are composed of thick slates of marble further displaying the finest materials and amenities throughout this truly historical home and property.
Are you working with an Agency agent?
I was searching for a Property and found this listing (MLS® #null). Please send me more information regarding The Carolwood Estate, Los Angeles, CA 90077. Thank you!
Mauricio Umansky
mumansky@theagencyre.com
Sq. Ft.35000
Lot Acre3.673
State CodeCA
Structural StyleSingle Family Detached
Features8 Bedrooms, 17 Bathrooms, 35,000 sq. ft., Traditional Style, Complete Privacy
Lot Sqft160000
Development Group
The Agency Creates
The Agency Daily


ABC, Screen Australia and Film Victoria today announced that filming has begun in Melbourne on season 2 of comedy series Get Krack!n – created, written, produced by and starring Kate McCartney and Kate McLennan.
Follow-up to 'The Kates' now classic webseries The Katering Show, Get Krack!n season 1 – hailed by critics "the finest satire ever put to air on Australian television" – was a breakout hit, continuing the ABC's long tradition of fostering new talent and leading the way with world class comedy programming. Get Krack!n also enjoyed the youngest audience profile of any main channel show in 2017.
Now the morning show that made you want to go straight back to bed returns with another 8 x 25' krackpot episodes. Like the cheap shape-wear adorning their bodies, The Kates bring their ill-fitting brand of hosting back to the chirpy, fresh, bright world of brekky TV.
Despite the loss of a sponsor, the incompetence of the crew, the femaleness of the hosts, and a pretty devastating structural fire, it seems Get Krack!n is back for more apocalypse-dodging content. And no-one is more surprised and fatigued by this fact than the show's hosts, "trained" "actor" Kate McLennan and "personality-challenged" Kate McCartney.
Season 2 will again feature a kracking line up – returning kast includes Nakkiah Lui, Miranda Tapsell, Anne Edmonds, Michelle Lim Davidson, Adam Briggs, Charlotte Nicdao, Ming-Zhu Hii, Wes Snelling and Dave Thornton. Plus katch a smorgasbord of special guest appearances including: Matt Day, Elaine Crombie, Isaiah Firebrace, John Howard, Genevieve Morris, Michala Banas, Adam Hills, Denise Scott, Zoe Coombs Marr, Angella Dravid, Fiona O'Loughlin, Heidi Arena, Fiona Choi and Justine Clarke.
"We are so eggcited to be back. We can't wait to be in the studio again, catering to the direct interests of our biggest fans, straight white men aged 18-55", The Kates said.
Get Krack!n season 2 will air on ABC TV and iview early in 2019.
Production credits: A Katering and Guesswork Television production for the Australian Broadcasting Corporation. Principal production investment from ABC in association with Screen Australia. Financed with support from Film Victoria. Created and Written by Kate McCartney and Kate McLennan. Directed by Hayden Guppy, and Kate McCartney and Kate McLennan. Produced by Tamasin Simpkin. Co-Producer Antje Kulpe. Executive Producers Kevin Whyte, Kate McCartney and Kate McLennan. ABC Executive Producers Rick Kalowski and Brett Sleigh.
Craig Mathieson, 'Roasted alive: two comediennes ignite the bonfire of TV vanities', The Sydney Morning Herald, 18 September 2017.


text:
Pragmatism and the Wide View of Democracy
Authors: Frega, Roberto
Provides a wider and more compelling account of democracy than the one found in mainstream contemporary political theory
Tackles political issues which are at the heart of contemporary theoretical debates spanning the social and political sciences
Draws on diverse traditions of American Pragmatism and critical theory
price for USA (gross)
price for USA
The aim of this book is to provide a fresh, wider, and more compelling account of democracy than the one we usually find in conventional contemporary political theory. Telling the story of democracy as a broad societal project rather than as merely a political regime, Frega delivers an account more in tune with our everyday experience and ordinary intuitions, bringing back into political theory the notion that democracy denotes first and foremost a form of society, and only secondarily a specific political regime.
The theoretical shift accomplished is major. Claiming that such a view of democracy is capable of replacing the mainstream categories of justice, freedom and non-domination in their hegemonic function of all-encompassing political concepts, Frega then argues for democracy as the broader normative framework within which to rethink the meaning and forms of associated living in all spheres of personal, social, economic, and political life. Drawing on diverse traditions of American pragmatism and critical theory, as well as tackling political issues which are at the core of contemporary theoretical debates, this book invites a rethinking of political theory to one more concerned with the political circumstances of social life, rather than remaining confined in the narrowly circumscribed space of a theory of government.
Roberto Frega (PhD) is a senior researcher in Philosophy at the Centre National de la Recherche Scientifique (CNRS) in Paris, France. He has published books on social theories of normativity (Les sources sociales de la normativitè, 2013), and pragmatist moral and political philosophy (Practice, Judgment, and the Challenged of Moral and Political Disagreement. A Pragmatist Account, 2012) as well as over thirty articles on contemporary moral and political philosophy.
Frega, Roberto
Enlarging Democracy
The Normativity of Democracy
The Pragmatist Social Account of Democracy
The Politics of Democratic Collective Action
From Civic Virtues to Democratic Habits
Democratic Patterns of Social Interaction
A Democratic Experimentalist Theory of Institutions
Democratic Publics
Pragmatism and Democracy in a Global World
Roberto Frega
The Editor(s) (if applicable) and The Author(s), under exclusive license to Springer Nature Switzerland AG
XIII, 427


text:
Miami changes its starting quarterback again
Miami quarterback N'Kosi Perry has regained the starting spot for this week's game against Georgia Tech.Photo Credit: Steve Mitchell-USA TODAY Sports
Miami has lost three games in a row, and the Hurricanes are changing quarterbacks again.
Miami coach Mark Richt said on Thursday that redshirt freshman N'Kosi Perry will be the Hurricanes' starting quarterback on Saturday against Georgia Tech.
It will be the fourth career start for Perry and his first since the Virginia game Oct. 13. He also started the two games before the loss to the Cavaliers.
Perry replaces fifth-year senior Malik Rosier, who started the first four games of the season and the two most recent games before being benched for the second time this season.
Rosier has completed 53.5 percent of his throws, with six touchdown passes and five interceptions. Perry has a 52.4 completion percentage, with 11 scoring passes and five picks.
In the 20-12 loss to Duke on Saturday, Rosier was 8 of 12 for 76 yards, no touchdowns and no interceptions, while Perry was 5 of 16 for 35 yards with no touchdowns or interceptions.
The Hurricanes are 2-1 in Perry's starts and 3-3 in Rosier's starts.
Miami (6-3) is tied for fifth place in the Atlantic Coast Conference Coastal division with a 2-3 mark. After its game against Georgia Tech, Miami has games against Virginia Tech and Pittsburgh remaining.


Sushant Singh Rajput and Sara Ali Khan starrer Kedarnath has been released in cinemas. The film is the love story that is set against the backdrop of the devastating incident of 2013 floods.
The story of the film revolves around a Muslim boy Mansoor Khan (Sushant Ali Khan) who is a pitthoo in Kedarnath and carries pilgrims to the shrine. His world turns around when he meets Mandakini aka Mukku (Sara Ali Khan) a feisty, young girl living in Kedarnath with her family. Her father (Nitish Bharadwaj) is a local priest. Their relationship face trouble because Mukku's father doesn't approve of Mukku's romance with Mansoor. In the meanwhile, the floods devastate the region. Whether these two lovers will get united or separated forever, this forms the crux of the story.
Sara Ali Khan who made her debut from the film has delivered a brilliant performance in the film. While, Sushant Singh Rajput is marvellous in his act. While, others like Alka Amin, Nishant Dahiya and Pooja Gor have done justice to their roles.
The film's music is good. Songs like Namo Namo, Sweetheart and Jaan Nisaar are already hit among the audience.
The film's direction is good. We were also very impressed with its VFX and the manner in which the floods have been portrayed kept us (and everyone else in the screening) mesmerized. Background score, action choreography are the attractions on the technical front.
Don't wait, just go and watch!
Previous articleदुल्हन के रूप में दीपिका पादुकोण से भी ज्यादा खुबसूरत दिखती हैं ये अभिनेत्रियां!
Next articleप्रियंका चोपड़ा और निक जोनस की हिंदू शादी की फोटोज हुई वायरल!
Most awaited magnum opus 'Baahubali 2' movie review is here!


According to independent consumer surveys of satellite TV providers and cable companies in Oglesby, TX, DIRECTV has earned the title of best TV service provider in Oglesby.
When you use the information that CableTV.com has compiled on the cable companies and subscription television services available in your area, you can easily figure out which providers are the most popular. This data—compiled from independent consumer surveys—allows you to choose the provider that's right for you. And based on our research, DIRECTV is the best TV service provider out of all the satellite TV and cable companies in Oglesby, TX.
The majority of major networks are available in any location. However, the lesser-known channels and local programming offered with TV packages in Oglesby will differ from those offered by similar packages in nearby cities. That's why it's so important to look at more than just price when choosing the best cable company in Oglesby, TX for your home. If you want to ensure that you never miss the shows you love and the Dallas Cowboys and coverage you crave, a premier package is the way to go. With all the data we make available on CableTV.com, we make it a breeze to browse packages offered by the highest rated providers available in Oglesby. Quickly compare their programming, special features, and more—and enjoy the simplicity and convenience of finding it all in a single place!
When you're looking for a cable company in Oglesby, TX, you want the best. In addition to meeting your needs for channels, extra features, and price, the TV provider you choose should deliver reliable service and expert customer support. CableTV.com takes into account these traits when ranking and recommending service providers, so you can know which companies are dependable and have fast, friendly customer service.
The results are in! Among all the Internet service providers available in Oglesby, TX, CenturyLink Internet is right at the top.Texas has an average Internet speed of 33 Mbps. You want an Internet service that can match the average speed or beat it. While Internet providers' speeds are different in every location, speed data is factored into our overall ratings for every company. Use our ratings, combined with information on the speeds in your specific area, and you'll be able to find the right Internet provider for your Oglesby, TX home in no time!
TV and Internet bundles put money back in your wallet. In fact, bundling your cable TV package with Internet service from the same provider can save you $100 or more each year. So check out the Internet and TV bundles available in Oglesby today so you don't miss out on a great deal.
At CableTV.com, you can enjoy access to information on the top TV provider options in Oglesby, TX—all in one place. You can view information on package pricing, availability, product reviews, promotions, and more and easily identify the best Internet and TV services in your area. So get the best TV and entertainment options in Oglesby when you use CableTV.com today!
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text:
Hillary Clinton Voter Sentenced 35-to-Life for Shooting over 2016 Election
A Hillary Clinton voter from Corona, California, who shot a bandmate's wife in an argument over the 2016 presidential election was sentenced to 35 years to life in prison on Wednesday in a Los Angeles Superior Court after being found guilty of second-degree murder with a gun.
Wall Street Journal: Inflation Is Caused by Bad Weather
TheWall Street Journal published an article on Tuesday claiming that the country's current inflation woes can be traced to bad weather -- though, curiously, the article did not mention "climate change" as the cause of dramatic weather events.
IRS Requirement to Report Stolen Property as Income Goes Viral
Several posts displaying the Internal Revenue Service's (IRS) guideline requiring taxpayers to report stolen goods as income went viral this week
AUDIO: Canadian Bank Rejects Rebel News Mortgage over Politics
Audio released on Wednesday by Canadian conservative outlet Rebel News suggests that the Royal Bank of Canada rejected the company's application for a commercial mortgage and a line of credit earlier this month for political reasons alone.
Peter Navarro: Capitol Riot Disrupted Plan to Stop Congress from Certifying Biden Win
Peter Navarro, the former economic adviser to President Donald Trump, told the Daily Beast in an interview that the January 6 Capitol riot actually disrupted plans to have Congress overturn the 2020 vote, which had nothing to do with the violence.
U.S. Smashes Daily Record for Rise in Coronavirus Cases; Worst of Pandemic
The U.S. broke the daily record for new coronavirus cases on Monday, December 27, as the omicron variant surged -- more than a year after then-candidate Joe Biden promised to contain the virus, mocking then-President Donald Trump's efforts.
Country Star Morgan Wallen Has Best-Selling Album of 2021
Despite having been nearly completelyblacklisted from the country music scene over his use of a racial slur, Morgan Wallen had the best-selling album of 2021, outperforming the likes of Adele, Olivia Rodrigo, and Drake.
California's 'White Christmas' Breaks December Snowfall Record in Sierra, Easing Drought
A winter snowstorm this weekend dumped nearly 40 inches of snow on the Sierra Nevada mountains from Sunday into Monday, breaking the record for snowfall in December, and possibly signaling relief in California's two-year-old drought.
'Ambush': Trump Spox Taylor Budowich Sues January 6 Committee -- and Pelosi
Taylor Budowich, the spokesman for former President Donald Trump, sued the United States House Select Committee on the January 6 Attack -- and all of its members -- on Friday after the committee subpoenaed his private financial records.
Judge Orders New York Times to Return James O'Keefe's Legal Memos
A New York judge ordered theNew York Times Friday to return and destroy all copies it possessed of legal memoranda prepared for James O'Keefe's investigative journalism company, Project Veritas, saying it had violated his rights.
Archbishop Desmond Tutu (1931-2021): Great, Flawed Moral Voice of Anti-apartheid Struggle
Tutu's lasting legacy to South Africa and the world is the principle that oppressed people should equally obey principles of justice and human rights in their struggle.
Report: Los Angeles D.A.'s Chief of Staff Threatened Police Officer
Joseph Iniguez, the chief of staff for Los Angeles County District Attorney George Gascón, allegedly threatened to place a policeman on a list of dishonest officers after the staffer's fiancée was stopped Dec.
Blue State Blues: 2021 Was the Year of the Jury Trial
If 2020 was the year of the riot, 2021 was the year of the jury trial -- the year when Americans quietly and anonymously asserted the rule of law in the most direct fashion possible: by considering the facts, and pronouncing guilt or innocence.
Florida Republican Under Fire from HOA for 'Lets' Go Brandon' Christmas Lights
Republican congressional candidate Martin Hyde faces daily fines from his Homeowner's Association (HOA) after installing Christmas lights that read, "Let's Go Brandon" on his home's balcony.
Pollak: Biden Administration Ignored Trump's Example in Operation Warp Speed
"I don't think about the former president," Biden said earlier this month. Perhaps he and his advisers should think about Trump's successes a little more, and learn from them.
Pollak: Joan Didion's Warnings About the Emptiness of the Left Still Resonate
Didion offered warnings about the emptiness of the left-wing counterculture emerging with the hippie movement and the New Left radicals -- warnings that still resonate today.
Protesters Ask Biden: 'Make the Uyghur Refugee Crisis a Priority'
Members of the Turkic diaspora from East Turkistan, an occupied region China calls Xinjiang, urged President Joe Biden on Wednesday to aid the tens of thousands of Uyghurs and other ethnic groups fleeing the ongoing Chinese genocide in the region.
Fact Check: Psaki Claims Administration Fixed Cargo Crisis; 'We've Saved Christmas'
While there have been improvements at the ports, thanks both to public and private initiatives, the cargo crunch is almost bad as it has ever been.
Vatican Reiterates 'Favorable Position' to Coronavirus Vaccines
The Vatican published a special communiqué Wednesday reaffirming its approval of the coronavirus vaccines to prevent possible confusion stemming from a separate text affirming that vaccines will not "solve the problem" of the pandemic by themselves.
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A British health chief has come under heavy fire over her 'dodgy' analysis of COVID hospitalisation data used to justify lockdown measures.
December 25 2021By Peter Caddle
National Institute of Allergy and Infectious Diseases director Dr. Anthony Fauci said Sunday on ABC's "This Week" that the Biden administration was addressing the problem of Americans not having enough home COVID tests.
Senator Josh Hawley (R-MO) on Thursday sounded off on "Mr. Unity" President Joe Biden for his critical remarks of states lifting mask mandates as coronavirus numbers are on the decline. Biden recently described the loosening of COVID-19 restrictions in so
The National Basketball Association (NBA) will require its teams to host Covid booster shot events on New Year's Eve, according to a report.
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The bash plate from JNS Engineering arrived earlier in the week, and I've fitted it to the bike. It took me maybe 10 minutes to remove the stock plate and attach the new one.
This thing is very solid, and while I expect that the powder coat will suffer the same fate as that of my crash bars, I don't think the plate itself is likely to fail me. The recessed bolts on the bottom are a nice touch, as is the fact that it protects the drain plug properly.
John at JNS was incredibly helpful with his advice, and with arranging delivery from the US. I was able to share the freight with two other Melbourne buyers, and John's communication thoughout that process was excellent.