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Finance Everywhere, Member Exclusive
Embedded Finance Briefing: What's going on at Marqeta?
In this week's Embedded Finance Briefing, we take a deep dive into Marqeta's performance in Q3 2021. We review analyst discussions and the key takeaways from the recent earnings call.
We also look at the potential for embedded finance offerings in serving SMBs, and how incumbent banks might be under threat.
Subboh Jaffery | January 21, 2022
Last Friday, after the company's earnings release, Marqeta's stock closed the day down by more than 5%. Some analysts in the space decreased their target price for the firm, but without changing their buy recommendation for investors.
What's going on with Marqeta?
More red
A red flag was raised when the firm published its Q3 2021 reports. The bottom line on Marqeta's income statement remained red, with the company posting a net loss of $45.7 million in the quarter, as against $12.3 million in Q3 2020. When reviewed under the year-to-date lens, the firm's losses mounted to $127.1 million in 2021, nearly quadrupling from its losses of $33.9 million in the same period in 2020.
Though the company attributed these losses to rising expenses, it nevertheless alarmed investors. As Marqeta pushes for expansion, these expenses were attributed to an increase in the firm's headcount, as well as compensation and benefits for existing employees. Q3 2021 was Marqeta's largest hiring quarter, adding a net 77 new people to its ranks.
Decelerating revenue
On the revenue side too, the report sparked caution. Net revenues grew 56% YoY to $132 million. This figure signifies a drop in the firm's revenue growth over the year, from 123% in Q1 2020.
The firm's TPV went up 60% YoY to $27.6 billion. That too decelerated from 167% YoY in Q1 2021. These numbers indicate that Marqeta's revenue and TPV growth are slowing down. Marqeta views its TPV as an indicator of the market's adoption of its platform, customer usage trends, and the growth of its business. With all this in mind, it is apparent why investors, especially short term, were cautious with the firm, and why its stock price is seeing a decline. Since its Q3 reports, the firm has seen a 48.3% decline in its stock price to date, from $26.50 on November 9, 2021, to $13.71 today.
Growing verticals
Marqeta saw over 300% growth in its BNPL business in Q3, as it powers key players including Klarna, Affirm, and Afterpay. Arguing that BNPL is finding a firm footing in the market, Marqeta's founder and CEO Jason Gardner said, "We're really seeing just strong sustained growth in this area. We've seen in a survey that 71% of buy now, pay later said they're going to increase their usage from last year. Based on what we've seen in the market, 40% of consumers tried buy now, pay later last year."
Gardner also confirmed that Marqeta is powering Affirm's Debit+ card, though refraining from commenting further until the product is in the market.
In addition, on the earnings call, Gardner spoke about how Marqeta is seeing growth in its crypto vertical. The issuer has also built a gateway for cryptocurrencies and fiat currencies as the space where they can make a difference in the industry. Their gateway tries to mainstream crypto payment solutions with customizable debit and credit cards.
He detailed how the firm's just-in-time funding technology is being used to enable a new wave of innovative cryptocurrency card products.
"Just-in-time funding used in tandem with our open API allows fiat currency to be spent at the point of sale from a crypto wallet and for consumers to earn cryptocurrency rewards on traditional spending, highlighted by companies like Coinbase, Bakkt, Fold, and Shakepay," Gardner said.
Beating expectations
Technically, however, Marqeta exceeded revenue expectations. Analysts estimated the quarter to end at $119.2 million in revenue, but the firm reported $131.5 million. This may be why initially after the reports were released, the firm's stock rose 15%.
Marqeta's gross margin was up 3% YoY in Q3 2021. After payouts to card networks and issuing banks, its margin for Q3 2021 stood at 45%, against 42% in the same quarter of 2020. Marqeta amended one of our card network incentive agreements, under which the firm will not only receive higher incentives going forward, but also earned a $2 million catch-up benefit.
"Excluding this one-time benefit, our gross margin would have been 43% in the quarter," said Marqeta's CFO, Tripp Faix. "Furthermore, for the nine-month period ended September 30, we have achieved a gross margin of 43%."
Marqeta's financial results are sensitive to changes in its margins, as they are subjected to fluctuation quarter to quarter based on factors like interchange and network fees. Faix said that rather than paying too-strict attention to quarterly gross margin results, the firm is committed long-term to a gross margin target of between 40% and 45%.
The firm's adjusted EBITDA came better than its guidance. It ended the quarter at a negative $4.9 million, while in the guidance, the firm estimated an adjusted EBITDA between negative $13 million and $16 million. This urges the question of whether the higher than expected result is due to Marqeta's revenue strength, or if it's because the firm improved its operating leverage and efficiency.
Faix said two factors contributed to this. Firstly, the firm saw higher than expected revenue growth, with verticals like digital banking, BNPL, and expense management performing well. Secondly, the amendment in one of their card network arrangements benefited the firm.
Efforts to diversify the business
Analysts noted Marqeta's growth acceleration outside of Square, which is the firm's largest customer. Marqeta's business, outside of Square, grew by over 40% in Q2 2021, while in Q3 2021, it grew by over 70%. "It underscores the diversification of the business and the strength in the categories, whether it's BNPL or expense management or crypto," Darrin Peller, an analyst at Wolfe Research, noted.
What is Marqeta doing to differentiate itself in the space it pioneered, now that newer players are entering and the older ones are beginning to find their feet?
For the near future, it's about crypto.
"As we think about new verticals, we've always been very thoughtful about when we want to go enter a vertical, we want to create the best experience, the best technology, people who really understand that vertical to go and capture that," Gardner said. "And that is very clear with crypto. We leveraged JIT."
Gardner also detailed how Marqeta's relationships with firms, both big and small, help the firm build a barrier to entry by earning their clients' trust. Not only does Marqeta help firms release new products, but they also play a role in future planning.
Analogously, Gardner said, "We're going to hit the puck, we're going to tell you where it's going to go and we're going to help you get there."
What's ahead
Marqeta has recently entered into a partnership agreement with Bill.com, under which the two will work on a new application of modern card issuing in the payments landscape. Bill.com wants to offer virtual card payment capabilities to its FI partners and customers, which will see SMB gain access to tools currently unavailable to them, like automation of the accounts payable and receivable processes. In addition, in partnership with Branch, Marqeta's new card for Uber Freight drivers allows them to receive payments in two hours, as opposed to 30 days.
"We will be starting 2022 with a larger revenue base than we anticipated. And I would not expect growth rates in 2022 to be as high as 2021," Faix said.
Source: Accenture
In 2020, global SMB banking revenue was $291 billion. By 2025, Accenture forecasts that figure will stand at $469 billion – a baseline growth of $86 billion. Two components make up that revenue: The first reflects the revenue generated by traditional banking channels and is forecasted to be worth $377 billion. The second component represents the revenue generated through embedded finance offerings and is forecasted to be worth $92 billion.
The report claims that $32 billion of the revenue generated through traditional banking channels will be at risk, as embedded finance offerings will have the potential to claim it. Incumbent banks are slow in adopting technological advances, and that puts them at risk of revenue erosion. Accenture estimates that in 2025, embedded finance could capture $124 billion, or 26%, of the current SMB banking revenue pool.
'Seasoned engineers may prefer low-code widgets over an API': How Tern is finding its footing in the Fintech-as-a-Service space
Cloud computing, embedded finance, and self-service tools will be the main areas of focus for the finance industry this year, says Google Cloud's Zac Maufe, as the firm gears up for 2022.
Figuring out instantaneous funds transfer, and developing tech to simultaneously bring down fraud and risk, is the future, according to Green Dot's Amit Parikh.
Finastra's panel agrees that there is demand for embedded products. To serve that is a collective effort, where the whole supply chain must play its part.
Sila and Sequoir team up to create customizable embedded crypto trading and custody solutions for businesses
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Blockchain and Crypto, Member Exclusive
Bankchain Briefing: Banks onboard the blockchain train
The lawsuits and insults season is in full swing within the unregulated cryptocurrency space.
But cryptocurrency is just one facet of blockchain technology. Tearsheet asked experts for commentary on how traditional banks are experimenting with blockchains.
Lindi Miti | January 27, 2023
Green Finance, Member Exclusive
Green Finance Briefing: VCs are betting on climate tech amid a broader down market
Climate tech is accelerating at unprecedented pace, in contrast to the broader tech sector, with global VC funding reaching $70 billion in 2022.
This year, however, the growth rate of the climate tech sector is expected to moderate due to a challenging economic backdrop.
Iulia Ciutina | January 20, 2023
Member Exclusive, Payments
Payments Briefing: On Gen Z's changing relationship with digital payments
This week, we talk about Gen Z's changing preferences when it comes to sending and receiving money digitally.
We also discuss PayPal's evolving BNPL strategy in a crowded market.
Ismail Umar | January 19, 2023
Lending, Member Exclusive
Lending Briefing: There is a recession coming but don't worry, it's not 2008 all over again
The oncoming recessions is one of the most anticipated downturns in recent history.
But things are not the same as 2008, here's why.
Rabab Ahsan | January 18, 2023
Banking, Member Exclusive
Banking Briefing: All aboard the transparency train
This week, we take a look into creating transparency within digital-first FIs.
We also discuss how banks seem to be overlooking the basics in their offerings, like loyalty programs or advice on investments.
Rivka Abramson | January 16, 2023


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Dotcom Secrets The Underground Playbook For Growing Your Compay By Russell Brunson Pdf Scribd
Russell Brunson is a well-known name in the internet marketing field. ClickFunnels is one of the most widely used and well-known marketing platforms around the world. Russell Brunson is the Founder of ClickFunnels. With this platform, you can develop and sell your own products online. This can be done through your blog or social media pages. Or, you can make use of the platform to build a team of affiliates who will market your products for your business. No matter what strategy you choose, you will be able to see results.
Work as a wrestler
Russell Brunson is a digital market entrepreneur, speaker and author. ClickFunnels is an online sales funnel builder. He created his own software business and built it to an enterprise worth millions of dollars following his graduation from college.
His career began by a fascination with sports. While in high school, he jumped on the wrestling bandwagon and became the state champion. He was recognized as a national champion later. He was a well-known college wrestler when he graduated in 2006 from Boise State University. He was actually second nationally his senior year.
Prior to founding ClickFunnels, Russell had a knack for marketing on the internet. He also learned the art of making online applications. He was a marketer for networks and he had 1.5 million leads. However, it wasn't until the time he founded ClickFunnels that he received the utmost public acclaim.
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Coaching and mentoring programs
Russell Brunson is a New York Times best-selling author speaker, entrepreneur, and author. He is the co-founder of ClickFunnels, which is one of the fastest-growing non-venture-backed software businesses in the world. He has helped many people become millionaires since the beginning of his company.
In addition to creating an enterprise worth millions of dollars In addition, he is a motivational speaker. His podcast has been named the best. He has also developed a series of videos on child trafficking, and has also donated money for non-profits.
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One of the most awaited courses taught by Russell Brunson is the One Funnel Away Challenge. This course will teach beginners how to start and set up an efficient business. This course is great for anyone new to selling using Clickfunnels.
The Two Comma Club is another Russell Brunson program. This is a two-part coaching program that provides participants with the opportunity to work with their hands. Through webinars, you'll master the art of marketing. In the course, you will learn to utilize influencer networks to boost your sales.
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His book LAUNCH is a best-selling book. His company, ClickFunnels, is a multimillion-dollar SAAS company. It introduced a sales funnel software in October 2014 that has helped over 100,000 users.
Russell Brunson is a master in direct response marketing. He has accumulated 1.5 million leads during his first year as a network marketing specialist. He was awarded the Silver Stevie Award for Entrepreneur of the Year.
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If you are looking to join ClickFunnels you have several options available to you. There is the official ClickFunnels Facebook group, and there is also the affiliate marketing group. Both are extremely helpful, and you can often get answers to your queries there.
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Funnel Fridays is another great source. It is hosted by Russell Brunson, and it shows you different types of funnels. Every week, they will give away seven free funnels for the specific niche.
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To keep track of visitors, you can make use of Actionetics. It is a digital marketing tool that could turn site visitors into paying customers.
ClickFunnels provides two levels. You can choose to pay for the standard plan or the platinum plan. In the platinum plan you can have access to premium content. Some people have upgraded to the platinum plan for a couple of months and then downgraded to the standard plan.
ClickFunnels has 9500 members. You can join their affiliate marketing group. It covers a wide range of topics that range from SEO and copywriting to affiliate marketing.
ClickFunnels has a user base of more than 60,000 on its official Facebook page. They've been featured on the pages of several famous names in the field of marketing. One of them is Tony Robbins.
Every year thousands of entrepreneurs participate in the Funnel Hacking Summit. In this event, you can learn to build ANY type of business. You'll also receive four days of training in marketing in conjunction with the summit. You'll also receive 25% of your gross sales for the duration of your funnel.
Russel Brunson is a highly-rated affiliate. He is an expert at selling products and helping customers achieve success.
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redpajama_set_name: RedPajamaCommonCrawl


We were already having a good day, and it was still early in the afternoon when we were starting up Cascade Creek. It's one of our favorite trails in the area, but it's too bad it's so short.
There was some snow on the trail here and there, but usually only a dusting. We quickly made our way up the switchbacks, and soon we found our way to the big rock hill.
It's such a blast, that hill. Everyone found their own fun, making their own lines through the obstacle. Walt had an especially good time in his Blazer, and said that the hill was just about at the vehicle's limits of what it could do. We've seen that rig do some amazing things, though, and that obstacle is only one of them.
We did find snow at the top of the hill, though, and all the way down to the intersection with Ute Creek Road. It wasn't deep or particularly slippery, though, so it wasn't a concern.
After we finished the trail, we worked our way up Ute Creek Road to do Saxon Mountain. We were also hoping to run into some other members who were doing Spring Creek. We didn't have cell phone coverage, but we were listening on the CB. As we approached the end of Spring Creek, we heard them talking on the CB.
There are a few spurs up near Spring Creek's end, and they were on a different route than we were. We stopped, though, and they eventually came around to meet us. That made us a nice big group as we headed for Saxon Mountain. Good timing!


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CollegesMinnesotaConcordia College at Moorhead
Get Concordia Admissions Info.
Concordia is a 4-year private university located at 901 S 8th St in Moorhead, Minnesota. It's a Midsize campus in a Suburb-based setting with 2,177 enrolled students and a student faculty ratio of 11 to 1. Campus housing is present on campus, and online programs are available.
Could I Receive Free College Credit Towards Concordia?
About Concordia College at Moorhead
Concordia is a private liberal arts college that traces its history to the Norwegian settlement in the region. The settlers needed educational opportunities and by 1891 set up a private academy and initially offered education in English literature, natural sciences, mathematics and piano. As more students enrolled and the college progressed, it expanded its academic programs and became a complete liberal arts education.
Concordia College is based in Moorhead in Minnesota, and is associated with the Evangelical Lutheran Church in America (ELCA). Continuing with its original values, the college focuses its resources into developing students for intellectual discovery and knowledge acquisition from a global perspective and for making positive contribution to their communities and the world.
Concordia offers an extensive student life with countless opportunities for student involvement. There are over 100 student group and organisations offering religious, cultural, and literary and many other groups. Music and arts are highly encouraged; there are 19 music ensembles for students to take part in. There is also the annual Concordia Christmas Concert, a 90 year old tradition and also the chance to perform in a country or worldwide tour. It also holds artists series. There are also theatrical productions where the students get a chance to perform. Besides these there are leadership opportunities where students enjoy leading in activities, develop their strength or get a chance to be offered paid internship. The college holds as many as 60 entertainment events throughout the year and has its own unique traditions such as Family Weekend, Thanksgiving Dinner, Move-In Day and others. Spiritual Life is also celebrated through Chapel services and Bible Study groups, community outreach and other activities. The college also has athletic participation; its teams taking part in NCAA Division III. The campus colors are Maroon and Gold and the mascot is Kernel Cobb.
Academic programs offered at Concordia are undergraduate programs with over 50 majors and 12 Pre Professional programs. Its prominent facilities are Parke Student Leadership Center, Jake Christiansen Stadium, Fjelstad Hall, Brown Hall and Grose Hall.
LocationMinnesota
Religious AffiliationEvangelical Lutheran Church
Concordia Tuition and Fees
The yearly tuition for Concordia is $35,464. However, this number and one's actual expenses can vary. Some schools have tuition that is higher based on students with residency in-state vs out of state, books, fees, and on or off campus housing will all have an effect. We provide a free calculator tool so you can see what your actual yearly costs might be.
Calculate your Actual Expenses for Concordia
Concordia Simple Tuition vs. Actual Fees: What's the Difference?
Whether students live on-campus in designated student housing, or off-campus in a house or apartment, will change the cost of attending college. Concordia College at Moorhead is located in Moorhead which will also determine rents and cost of living. Use our free calculator to estimate your cost of living.
Concordia is a prestigious 4-year institution in Minnesota. The following are the rankings for the school relative to other universities across the country.
Can I Get Accepted to Concordia College at Moorhead?
Can I Get Accepted to Concordia?
The Acceptance rate for Concordia is 78 Percent. Last year, there were 2278 applicants and 28 percent of those who were accepted actually attended (Enrollment Rate). To apply, it's required to have the following: High school GPA, High School transcripts, SAT/ACT test scores.
Get Concordia Admissions Information.
Available Degrees at Concordia
The following are a list of Bachelors, Certificates, Masters-Graduate degrees offered by Concordia College at Moorhead.


Insurance Options provides an easy and practical way to find the best insurance for you. They connect you with quotes of top insurance companies once you filled in a form with your details.
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Detailed information about the choice of policies you will get from a consultant who will contact you to discuss your requirements.
Insurance Options is ranked 4 out of 5. Based on 1 review.


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Q: Insert some structured custom HTML in DOM simply using JS With JQuery i had this :
 let searchHeader= $(".block-amu-search-form__title");
 let closeButton = "
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          "  <button class=\"close-button\" aria-label=\"Close alert\" type=\"button\" data-close>\n" +
          "    ×\n" +
          "  </button>\n" +
          "
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 searchHeader.append(closeButton);

How to convert in JS ?
 let searchHeader= document.querySelector(".block-amu-search-form__title");
 let closeButton = "
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          "    ×\n" +
          "  </button>\n" +
          "
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 searchHeader.append(closeButton);

This insert the button as a string and appendChild required a node object

A: You're trying to append a string to an html element. you should do this instead
let searchHeader = document.querySelector(".block-amu-search-form__title");
let closeButton = "
\n" +
    "  <button class=\"close-button\" aria-label=\"Close alert\" type=\"button\" data-close>\n" +
    "    ×\n" +
    "  </button>\n" +
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const buttonContainer = document.createElement('div');
buttonContainer.innerHTML = closeButton;
searchHeader.append(buttonContainer);

or just simply

let searchHeader = document.querySelector(".block-amu-search-form__title");
let closeButton = "
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    "  <button class=\"close-button\" aria-label=\"Close alert\" type=\"button\" data-close>\n" +
    "    ×\n" +
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searchHeader.innerHTML = searchHeader.innerHTML + closeButton;

A: If you're working with vanilla js then why not just use innerHtml?

document.getElementById("block-amu-search-form__title").innerHTML = closeButton;

you can refer to it. Here

redpajama_set_name: RedPajamaStackExchange


The Higher Education Funding Council for England (HEFCE) has introduced Key Information Sets (KIS) which are designed to be directly comparable sets of information about all full and part time undergraduate courses in all English Universities. They are designed to meet the information needs of prospective students trying to compare different courses from different Ins titutions.
Current programme specifications can be found here.
Information and advice about finance, welfare, academic progress and a range of other issues.
The Scheme for the Award of Honours (SAH) is the official document that tells you what modules are being taught this year, which are done by which students, and that outlines how degree marks are calculated. If you are not sure what modules you should be taking, this is the place to start.
These competence standards highlight the core skills students should be able to demonstrate by the end of their programme of study in the Earth Science & Engineering Department. In addition to these competence standards all students will be expected to meet the basic academic competence standards contained within the admissions policy for their programme of study.
ESESIS provides all the practical details of each module that you will normally need, but the formal module descriptions held by college are provided here for completeness.
ESE is well known around the College for its lively student and staff feedback. Feedback is ongoing; it happens during practical classes, in workshops, in lectures, on fieldwork, while meeting with your tutor and in tutorials and in almost any port of your learning. You often do not notice you are getting feedback. Click here to access our feedback system - SOLE.
We also have a staff student forum where we discuss the teaching provision for undergraduates to promote excellence in all areas. You can find out more about it here.
Student Finance – help and advice for current undergraduates.
International students - resources for international students.
Disabilities - information for students with disabilities including dyslexia.
Welfare - general welfare advice including health, counselling, and College Tutors.
Harassment - college policy on sexual and racial harassment.
College's new guidelines on audio and video lecture recording.
Imperial College Student Success Guide - learning to learn.
Policy on Progress of Students who are remanded or given a custodial sentence whilst on course.
Health Centre - College Health Centre website.
We are fully aware that times are tough for undergraduate students. Various funding schemes are available for prospective and current undergraduate students to assist them through their studies. The awards available may change and we advise you to check this list frequently. Students will normally be emailed prior to relevant deadlines.
The department awards a number of prizes and scholarships at the end of each academic year. Students are eligible for these prizes and scholarships once they have completed their first year and are informed of their award after the release of examination results at the end of June.
That means that you do not have to pay to get to your field trips, or pay expenses such as accommodation.
*All field trips in the undergraduate degrees are included in the cost of tuition, except for a contribution to food costs on fully catered trips (currently approx. £25/week) and the Year 2 independent mapping project which Geology students and some Geology and Geophysics students undertake in a location of their choice. Costs vary by location.
Rio Tinto will fund the first year geosciences fieldtrip to Almeria, Southern Spain, which specifically develops observational and practical skills for all first year undergraduate students.
Students who are undertaking fieldwork, and who prove financial need in March each year, are normally supported by the Douglas Shearman fund. The amount of the award is variable. Students will be contacted about this fund in Spring.
A letter from the Applicant outlining their interest in a career in the mining industry.
A letter from the student's Personal Tutor/Academic Tutor supporting the application and providing documentation of pass marks and suitable attendance.
Available to all science and maths undergraduates. Students apply in first year for an annual award of £5000 per year for three years. BP scholarships are administered through the Faculty of Engineering.
Open to all Earth Sciences students. The fund is designed to give fi nancial assistance – a single award of £2000 cash annually – to a deserving undergraduate in their second, third or fourth year at university, studying Geology or Earth Sciences.The award will be made by the Council of the Geologists' Association to the student they feel best demonstrates both a genuine commitment to the discipline and academic excellence.Nominations are made by university departments by invitation. Applications are via the Academic Tutor, by 15th November annually.
Open to all Earth Sciences students, the Geological Society provide undergraduate fieldwork and research bursary opportunities. Apply by 1st February 2015 through the Geological Society of London.
Field mapping bursaries: Novas Consulting fund up to 6 bursaries (max £1500) for field mapping projects in summer 2014, linked to studies of stratigraphy, structure or sedimentary geology/processes. Topics related to the petroleum industry will be particularly favoured. Proposals for work in other topics will not be considered. Preference will be given to Candidate Fellows of the Society.
What is UROP? UROP provides an opportunity for students who have yet to graduate from their degree to participate in real research. The express purpose is for the participant to acquire experience of the research undertaken by a particular member of staff or research group by either undertaking a project or developing technical skills.
The Department of Earth Science and Engineering will provide around 10 bursaries of up to £800 each during the summer. Some of these may be substituted by the Faculty of Engineering [FOE] or other College funding as it becomes available during the year. There are other forms of funding – please see below. Read some of the very helpful information on the College website about the scheme.
Who is eligible? Undergraduate students of all years in the Department of Earth Science and Engineering are invited to apply for a bursary. This includes students who are to graduate in the same summer as doing the UROP. In the event of more applicants than funding, students who are non-graduates in the same summer as doing the UROP will be given priority.
How do you find a project? You need to approach a member of staff that you think you would be interested in working with. You can also look on the College website where individual staff sometimes put projects that they are offering. This website also gives you ideas to think about when you start to look for a project.
Applications for an individual bursary are invited from a student who is a registered as an undergraduate student of Imperial College at the time of application and whose proposed project placement lasts at least 4 weeks (full-time).
Projects are typically 4, 6, or 8 weeks. 10 weeks is exceptional in ESE.
The bursary will normally be disbursed to the participating student at the end of every four weeks during the placement.
All students complete the same form found here. Please ensure you get the supervisor's signature on the form. For 4 week bursaries please send your application only to Shane Young. For 4 to 10 week bursaries please send your application to both the College and to Shane Young.
Occasionally your supervisor will assist you in applying for funding from external sources.
Registering your placement with UROP.
The Library website has details of the opening hours for all Imperial College Libraries.
Please visit the following link for details of all winners of undergraduate prizes for the 2016-17 academic year.
As an Imperial College Earth Sciences graduate you will have a wide range of career paths open to you. Our graduates are renowned for being highly numerate and articulate, self-motivated and hard-working – highly desirable characteristics in a competitive job market. We encourage all students to consider their personal and professional development from when they first enter the College through to graduation - the very best students will be proactive about their own professional development.
Quick Guides to CVs, cover letters, interviews and networking.
Your CV (Curriculum Vitae) will develop as you progress through your degree. You should start keeping one in your first year and update it often.
CV nearly there but need a few pointers? Book a 15 minute one-on-one CV Surgery with one of the Teaching Fellows (Emma Passmore, Mike Streule, Lizzie Day or Philippa Mason) or send them an electronic copy.
If you are only asked for a CV then it is usual to also send a cover letter. The cover letter gives you a chance to say the kinds of things that would normally go into a personal statement if you completed an application form.
Your personal statement is your chance to add extra detail to your application, which enhances your CV.
Remember to alert your referees when you make an application. They might be asked to supply a reference for you at short notice, so it's courteous to give them as much warning as possible.
Make sure that your referee is someone who knows you academically. For example, there is no point asking your Head of Dept for a reference if you've never spoken to them.
Designed to test your 'soft' skills, e.g. time management, problem-solving ability, teamworking, etc.


I am fascinated by hands, working hands, all hands. They are so expressive of character. Over many decades in India I have photographed thousands of hands. I feel as if each tells me hers or his own stories… These are a few favorites.


text:
Storms Force Louisiana, Mississippi to Review K-12 Policies
By David J. Hoff and Alan Richard
The two states that bore the brunt of Hurricane Katrina have started easing their K-12 testing and accountability policies to help students and districts recovering from the storm.
In Louisiana, the state board of education voted last week to waive a state policy that would have required this year's 4th and 8th graders to pass state tests before moving to the next grade. But the board decided to keep the high school exit exam as a requirement for the class of 2006.
In Mississippi, the legislature was on the verge late last week of giving the state school board the authority to halt the state accountability system in districts affected by Katrina.
While both moves were intended to ease the burden of state testing on those affected most by the devastating hurricane, policymakers in both states said the one-year changes aren't diminishing their commitment to improving student achievement.
"We must do what's best for the children of our state, and that's why we will continue testing this year, but with consideration for the difficult things children are experiencing," Louisiana Superintendent of Education Cecil J. Picard said in a Sept. 27 statement, after the state board approved the policy for the 2005-06 school year.
On the federal level, meanwhile, U.S. Secretary of Education Margaret Spellings announced new measures last week that could give hurricane-affected schools and districts some relief from the accountability provisions of the No Child Left Behind Act. ("Schools Get NCLB Relief From Storms," this issue.)
Short-Term Fixes
In its emergency meeting Sept. 27, the Louisiana board of elementary and secondary education decided to keep all of the state's accountability requirements for districts intact for the 2005-06 school year. The only rule it relaxed is its policy against social promotion, which requires 4th and 8th graders to pass reading and mathematics tests before being promoted for the 2006-07 school year. The change is effective for the current school year.
The rule applies throughout the state, including in rural areas hit more recently by Hurricane Rita.
The board also approved a plan that will allow Louisiana high school students to earn a diploma from the state even if they complete their education in another state. To do so, they would need to complete Louisiana's course requirements for graduation and pass Louisiana's exit exam.
In addition, the board gave Mr. Picard the authority to approve districts' revised calendars that fall short of the state's mandated school-attendance time as a result of Hurricanes Katrina and Rita.
In Mississippi, lawmakers opened a special session Sept. 27 with the chief aim of revitalizing the hurricane-shattered casino industry in the area along the Gulf Coast, but they took up the school accountability bill at the request of state education officials.
Attendance Waivers
The Mississippi legislature had nearly completed work on a bill late last week that would give the state school board the power to decide which districts damaged by Hurricane Katrina would not be rated under the state accountability system this school year.
While all districts would be expected to participate in the state's assessment program, Jason S. Dean, the education adviser to Mississippi Gov. Haley Barbour, said the state board could decide not to publish the district's state accountability score, which can range from 1 to 5.
The Mississippi Department of Education also asked that the legislature suspend the agency's line-item budget to allow for more spending flexibility, as many districts are seeking financial aid from the state to help them reopen schools.
The lawmakers also passed a resolution supporting the state's request for federal disaster aid, which includes a call for more than $1.8 billion for Mississippi districts hit by Hurricane Katrina and those that have enrolled students displaced by the storm. ("Louisiana, Mississippi Lawmakers to Weigh Revenue Needs," Sept. 28, 2005)
Lawmakers vowed to keep last week's session brief, and state officials warned that the legislature would most likely need to return to deal with other education policy issues.
In a memo to Gov. Barbour's office last week, state education officials said that coastal school districts might need the authority to set higher property-tax rates than state law currently allows.
Separately, the Mississippi state school board was scheduled to meet Oct. 5 on the Gulf Coast to visit schools damaged or destroyed by hurricane winds and floodwaters, said Joy Milam, a spokeswoman for the state department of education.
The board was prepared to consider waivers of the number of required school days in coastal districts, she added.
Published in Print: October 5, 2005, as Storms Force Louisiana, Mississippi to Review K-12 Policies
"Schools Get NCLB Relief From Storms," October 5, 2005.
"Louisiana, Mississippi Lawmakers to Weigh Revenue Needs," September 28, 2005.
"States Address Academic Concerns," September 28, 2005.
"Relief Plans Spurring Debate Over Vouchers," September 28, 2005.
"Federal Hurricane Aid for Schools Debated," September 28, 2005.
"House OKs Katrina Student-Loan Relief," September 21, 2005.
"Bush Proposes Evacuee Aid for Districts, School Vouchers," September 21, 2005.
"Bush, Spellings Stress Help for Hurricane-Affected Schools," September 14, 2005.


This interview is part of a series of interviews of the "Women in Research" blog that features young female scientists participating in the 67th Lindau Nobel Laureate Meeting, to increase the visibility of women in research (more information for and about women in science by "Women in Research" on Facebook and Twitter). Enjoy the interview with Diana and get inspired.
Diana Montes-Grajales, 28, from Colombia is a postdoctoral researcher at the Center of Genomics Sciences CCG-UNAM (Mexico). She works in the fields of drug design, evaluation of environmental pollutants and ecological genomics. Currently, she is involved in three main projects: the identification of molecules from the rhizosphere with potential for medical or agrochemical applications; the in silico drug repurposing for dengue and chikungunya treatment; and the evaluation of endocrine disruptors and emerging pollutants targeting breast cancer proteins.
Curiosity and scientific vocation! When I was at school I had a very inspiring professor of sciences, Ariel Acosta. He taught me the basics of biology and chemistry as a discovery process in the lab. We tested and interpreted the results by ourselves with a guide containing previously learned knowledge. This was more than 15 years ago in a public school in Colombia; I did not have access to computers at that time and my text books were not advanced enough to have all the explanations for all the experiments we conducted in the lab. This definitely sparked my curiosity and forced me to think like a scientist by the age of ten. I have had to decide between science and making more money or having stability so many times, but the answer was always the same: I am a scientist.
I admire more scientists and artists than I can list here. There is a broad range of people that have done amazing things to help us to live better and to interpret our world. However, I do not have role models because every person is unique, and I think having role models could be in a way frustrating. In addition, the matter of science is the novelty, and if you want to do something that has not been done before, probably imitation is not a good choice. So all that I do is trying to learn from others and my own experiences, put more effort in what I do and work hard to improve my skills.
My interest in science began in my childhood, inspired by the biology class at my school. I enjoyed so much to start thinking in the capability of small things to make a notable difference in biological systems, such as how the properties of the cell membranes are influenced by its chemical composition, and how the food chain is mainly supported by the photosynthesis reaction of plants and algae, which ultimately lead us to survive.
I have had to decide between science and making more money or having stability so many times, but the answer was always the same: I am a scientist.
My inclination for science increased during high-school, thanks to spectacular experiments in the chemistry laboratory – so many different thoughts on nature and behaviour of matter: the replacement of a metal by another in the reaction of iron and copper sulfate, the formation of a visible solid by the combination of two liquid solutions with the formation of a precipitate and the violent reaction of alkali metals with water were some of the things that impressed me in those days. Chemistry was then the career I wanted to follow and study at university, even though I also liked medicine. This was a difficult decision as many people adviced me to study health sciences, as my first option did not sound so profitable. Anyhow, I applied for chemistry in 2005, and I was accepted to the University of Cartagena (Colombia) with the best score in the admission exam. Studying chemistry was a great and challenging experience. In the first semester, I met Prof. Jesus Olivero-Verbel, the director of the Environmental and Computational Chemistry Group, who later became my mentor during my undergraduate and Ph.D. studies.
I was an outstanding student and I had a lot of international experiences. In 2010, I did a three month internship in the Drug Discovery Platform of the Scientific Park of Barcelona (Spain), under the direction of Prof. Jordi Quintana. There, I worked in the development of molecules against transthyretin amyloidosis. In 2011, I started my Ph.D. in Environmental Toxicology, and three years later I was a PhD. Visitor student for six month at the Department of Chemistry of the University of Cambridge (England), under the direction of Prof. Gonçalo Bernardes. There, I performed the spectroscopic analysis of the in silico predicted protein-ligand pairs of endocrine disruptors and breast cancer proteins using circular dichroism, native mass spectrometry and microscale thermophoresis. I also participated in international collaborations with the GBernardes Lab (England) and Prof. Thomas Sanderson of the INRS (Canada), and I attended several short-term courses related to toxicology and medicinal chemistry in the United States, Brazil, Mexico, Spain, France and England.
I was working on protein interactions for a while, and these are actually my favorite molecules. But at some point, I realised that I needed to learn about DNA to comprehend the complex molecular mechanisms involved in some diseases and toxicological effects, as well as to understand cancer, one of my main research interests. Then, I applied for the UNAM postdoctoral program scholarship and I was admitted. So I am currently a postdoctoral fellow at the Center of Genomics Sciences CCG-UNAM (Mexico), and I am learning genomics and molecular biology.
The coolest project was the evaluation of Ruthenium NAC-CORM molecules as agents for the cancer treatment, developed at the University of Cambridge during my PhD. Internship. Cancer is one of the topics that attract my attention the most, and having molecules that release components that both kill the malignant cells and have antioxidant effects is a smart approach.
This is a difficult question because I do not use to feel pride in myself or my work. I am very self-critical, so I hardly ever feel satisfied with my performance, which results in a never ending improvement process. Being accepted to participate in the Lindau Nobel Laureate Meeting was a super happy moment for me, because I will have the opportunity to learn from people that have achieved great things in chemistry. Another important moment in my life was when I received my PhD. diploma and the Laureate thesis award, because it meant for me that I was officially a scientist and I was doing it well.
What is a "day in the life" of Diana like?
I wake up around 6 am, I prepare and have breakfast at home, read a little bit and water my Bougainvillea flowers in the garden. Then I go to the lab around 9 am, I check my to-do's and start working to get them done. Once I finish my experiments – every day is different-, I go to the gym to do Zumba, normally around 7:00 pm and after that I go home, then I continue working a little bit more on my computer, and sometimes in the lab. I love learning new techniques, so when I have a little extra time, I ask others to teach me something about their work and I help them with their experiments.
I want to do something meaningful that helps to improve the quality of life for the next generation.
I love to experience the world through travel and art.
Forget gender and trust yourself!
The discovery of new antibiotics to attack multidrug resistant bacteria or an effective treatment against cancer!
Society needs to forget gender roles and stereotypes. We need to change our way of thinking and understand that we moved forward to a modern life and the way we do things now is very different to how things were done before. So, we need great minds of both genders and good education to form humans with critical thinking, and not girls and boys. This is of course not an easy task, because we still live in an unequal society and changing the culture is hard. Some strategies that could be implemented may include the government monitoring salaries and regulation the proportion of inclusion of women in companies and universities, as well as promoting education programs based on equality.


text:
Reports & Videos
Why Nuxeo?
ContactDemo
Nuxeo Announces Technology Alliance with Scality
Thu 06 October 2011 By Prateeksha Barman
Boston, Paris – October 6, 2011 – Nuxeo, the provider of a content management platform for business applications, today announced a technology partnership with Scality, the organic storage pioneer. A new integration will enable Scality to provide the storage and management of the binary files and unstructured data used by the Nuxeo Platform.
"Content management applications have large storage requirements that grow rapidly over time, and they need a highly scalable storage solution," said Jérôme Lecat, Scality's CEO. "Scality offers a robust storage solution for Nuxeo applications that grows with the data."
With this integration, file storage for Nuxeo content management applications, such as Nuxeo Document Management, Nuxeo Digital Asset Management, or Nuxeo Case Management Framework, can be managed by the Scality RING solution, on-premise or in Scality-powered public clouds, in a way that is highly scalable and robust. The Scality option provides globally cost-effective high-level storage, including high performance, robust data protection, high availability, and scalability.
"With the Scality integration, we can offer our customers greater options for storage with the Nuxeo Platform," said Eric Barroca, Nuxeo CEO. "Since Scality storage can be on-premise or in scality-powered public clouds, deployment options are flexible, in line with Nuxeo's offering."
Content architects, developers, and solution providers who need a content management solution to meet substantial requirements in terms of unstructured data – large documents or numbers of documents, high availability and failover requirements – and looking for an alternative to expensive hardware solutions, will be able to rely on the Nuxeo and Scality's integration.
Scality will present a Solution Focus on "Cloud and distributed storage for Nuxeo" at the forthcoming Nuxeo World in Paris on 20th and 21st October.
For those unable to attend Nuxeo World, a webinar on November 9, 2011, will provide an overview of the Nuxeo / Scality partnership and solution.
About Scality
Scality is a VC backed, Silicon Valley-based company delivering Scality RING Organic Storage, the ultimate solution for the storage of unstructured data at petabyte scale with zero downtime and no data migration.
The organic design creates a scale-out system with distributed intelligence, which has no single point of failure and is resilient and self-healing. Customers achieve high availability, ease of operations and total control of their data at a fraction of the cost of traditional storage. Built with patented technology, Scality RING easily scales to exabytes using x86 commodity server hardware with direct attached storage.
Typically used for private clouds (especially backup, video and file sharing, media archive, healthcare, genomics and geophysics), for public clouds (StaaS), for SaaS applications (webmail) and for Web 2.0 services, Scality RING is the first object-based storage technology to deliver the performance required for primary application storage.
For more information please visit www.scality.com or follow Scality on Twitter: @Scality.
About Nuxeo
Nuxeo provides an extensible and modular Open Source Content Management Platform enabling architects and developers to easily build and run business applications. Designed by developers for developers, the Nuxeo Platform offers modern technologies, a powerful plug-in model and extensive packaging capabilities. It comes with ready-to-use Document Management, Digital Asset Management and Case Management packages. 1000+ organizations rely on Nuxeo to run business-critical applications, including Electronic Arts, Netflix, Sharp, Pearson Education, FICO, the U.S. Navy, and Jeppesen, a Boeing Company. Nuxeo is dual-headquartered in New York and Paris. More information is available at www.nuxeo.com.
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text:
Rescue Drone Saves Two Boys from Drowning on Its First Day in Service
The Little Ripper Lifesaver has god-like capabilities
By Rain Noe - January 22, 2018
Imagine being in the ocean, trapped in a swell some 700 meters from shore. Suddenly a yellow package drops out of the sky as if sent by a god, hits the water next to you and expands into a flotation device.
That was the experience of two unlucky, then lucky teenage boys off the coast of Lennox Head in Australia last week. Someone spotted the boys in distress and called it in, but the nearest lifeguard station was a kilometer away. Just that morning, however, Lennox Head had brought their new lifesaving drone into service.
In a little over a minute, a lifeguard supervisor had launched the drone, spotted the boys, flew it over to them, and remotely dropped the flotation device. The boys were able to grab it and swim to shore. Here's the footage:
The drone is manufactured by a company called Little Ripper Lifesaver, founded by Kevin Weldon after he witnessed a drone canvassing the streets of New Orleans after Hurricane Katrina and realized its lifesaving potential. The Marine Pod dropped over Lennox Head contained a water-triggered flotation device, which is repackable and reusable. The company is now testing a saltwater-activated electromagnetic shark repellent device, with plans to include that in future kits.
Little Ripper also makes a Land Pod, which contains an automatic defibrillator, a location beacon, a thermal blanket, a radio, a highly-visible rescue banner and a first aid kit. Lastly they make a Snow Pod, which adds skin warmers and energy bars to the Land Pod.
Lennox Head received the drone as part of a trial set up by an organization called Surf Life Saving NSW and the New South Wales Government. According to ABC News,
Surf Life Saving NSW project manager for unmanned aerial vehicles (UAV), Kelvin Morton, said the project was a world-first.
"These UAVs that we're using to drop these inflatable pods is innovative, and we know that most or all of the lifesaving organisations around the world are stepping back and waiting to see how this goes."
Mr Morton said the drones gave surf lifesavers a new advantage. "It gives them eyes across the water at a height of 60 metres and they can move at 50 kilometres an hour," he said.
"They've never had that ability before. They can see things in the water that a jet-ski simply cannot."


text:
St. John's appoints Sherry Colford as city's first female fire chief | CBC News Loaded
Nfld. & Labrador
St. John's appoints Sherry Colford as city's first female fire chief
The City of St. John's has announced its new fire chief, and for the first time in the city's history, a woman will hold the position.
Colford was previously head of 911 services for the province
CBC News · Posted: Jun 04, 2018 9:08 AM EDT | Last Updated: June 4, 2018
Sherry Colford is the first female chief of the St. John's Regional Fire Department. (Submitted)
The City of St. John's has announced its new fire chief, and for the first time in the city's history a woman will hold the position.
Sherry Colford, who has been with St. John's Regional Fire Department for the last 15 years and recently was the manager of 911 service and fire prevention for the province, takes over as new fire chief today.
Colford said she's always felt men and women have equal opportunity in the city's fire department.
"Since I've come to work with the City of St. John's and the St. John's Fire Department, gender has never played a role in any of the positions I've held or any of the opportunities I've been given," she said.
Having said that, the milestone is important to her too.
"I have to admit it's a pretty proud moment to be the first female fire chief," she said.
The city started looking for a new chief two months ago when Jerry Peach announced his retirement.
Colford was chosen by a panel of city executives and human resources staff from the fire department.
"Her training as a firefighter and communications manager, years of experience at the fire department and her interest and skill in continuous improvement make her an ideal candidate for this high-profile position," said St. John's city manager Kevin Breen.
Colford said she plans to lead by drawing on the experience around her in the department.
"We have some very hard-working, dedicated staff in the fire department, and they're the expertise on the job," she said.
"And while I stand in a leadership role, I think it's extremely important to look around to those who do that job every day and bring them into the mix."
Read more articles from CBC Newfoundland and Labrador


text:
package ru.stqa.pft.addressbook.model;

import com.google.gson.annotations.Expose;
import com.thoughtworks.xstream.annotations.XStreamAlias;
import com.thoughtworks.xstream.annotations.XStreamOmitField;
import org.hibernate.annotations.ManyToAny;
import org.hibernate.annotations.Type;

import javax.persistence.*;
import java.io.File;
import java.util.HashSet;
import java.util.Set;

@XStreamAlias("contact")
@Entity
@Table(name = "addressbook")
public class ContactData {
    @XStreamOmitField
    @Id
    @Column(name = "id")
    private int id = 0;

    @Expose
    @Column(name = "firstname")
    private String contactName;

    @Expose
    @Column(name = "middlename")
    private String contactMiddleName;

    @Expose
    @Column(name = "lastname")
    private String contactLastName;

    @Expose
    @Column(name = "nickname")
    private String contactNickname;

    @Expose
    @Column(name = "title")
    private String contactTitle;

    @Expose
    @Column(name = "company")
    private String contactCompany;

    @Expose
    @Column(name = "address")
    @Type(type = "text")
    private String contactCompanyAddress;

    @Expose
    @Column(name = "home")
    @Type(type = "text")
    private String contactHomePhone;

    @Expose
    @Column(name = "mobile")
    @Type(type = "text")
    private String contactMobilePhone;

    @Expose
    @Column(name = "work ")
    @Type(type = "text")
    private String contactWorkPhone;

    @Expose
    @Column(name = "fax ")
    @Type(type = "text")
    private String contactFax;

    @Expose
    @Column(name = "email")
    @Type(type = "text")
    private String contactEmail1;

    @Expose
    @Column(name = "email2")
    @Type(type = "text")
    private String contactEmail2;

    @Expose
    @Column(name = "email3")
    @Type(type = "text")
    private String contactEmail3;

    @Expose
    @Column(name = "homepage")
    @Type(type = "text")
    private String contactHomepage;

    @Transient
    private String allPhones;
    @Transient
    private String allEmails;
    @Transient
    private String fullName;
    @Transient
    private String contactSummary;

    @Transient
    @Column(name = "photo")
    @Type(type = "text")
    private String photo;

    @ManyToMany(fetch = FetchType.EAGER)
    @JoinTable(name = "address_in_groups",
            joinColumns = @JoinColumn(name = "id"),
            inverseJoinColumns = @JoinColumn(name = "group_id"))

    private Set<GroupData> groups = new HashSet<GroupData>();

    public File getPhoto() {
        return new File(photo);
    }

    public ContactData withPhoto(File photo) {
        this.photo = photo.getPath();
        return this;
    }

    public Groups getGroups() {
        return new Groups(groups);
    }

    public ContactData inGroup(GroupData group) {
        groups.add(group);
        return this;
    }

    public int getId() { return id; }

    public String getContactName() {
        return contactName;
    }

    public String getContactMiddleName() {
        return contactMiddleName;
    }

    public String getContactLastName() {
        return contactLastName;
    }

    public String getContactNickname() {
        return contactNickname;
    }

    public String getContactTitle() {
        return contactTitle;
    }

    public String getContactCompany() {
        return contactCompany;
    }

    public String getContactCompanyAddress() {
        return contactCompanyAddress;
    }

    public String getContactHomePhone() {
        return contactHomePhone;
    }

    public String getContactMobilePhone() {
        return contactMobilePhone;
    }

    public String getContactWorkPhone() {
        return contactWorkPhone;
    }

    public String getContactFax() {
        return contactFax;
    }

    public String getContactEmail1() {
        return contactEmail1;
    }

    public String getContactHomepage() {
        return contactHomepage;
    }

    public String getFullName() {
        return fullName;
    }

    public String getContactSummary() {
        return contactSummary;
    }

    public ContactData withId(int id) {
        this.id = id;
        return this;
    }

    public String getAllPhones() {
        return allPhones;
    }

    public String getContactEmail2() {
        return contactEmail2;
    }

    public String getContactEmail3() {
        return contactEmail3;
    }

    public String getAllEmails() {
        return allEmails;
    }

    public ContactData withContactName(String contactName) {
        this.contactName = contactName;
        return this;
    }

    public ContactData withContactMiddleName(String contactMiddleName) {
        this.contactMiddleName = contactMiddleName;
        return this;
    }

    public ContactData withContactLastName(String contactLastName) {
        this.contactLastName = contactLastName;
        return this;
    }

    public ContactData withContactNickname(String contactNickname) {
        this.contactNickname = contactNickname;
        return this;
    }

    public ContactData withContactTitle(String contactTitle) {
        this.contactTitle = contactTitle;
        return this;
    }

    public ContactData withContactCompany(String contactCompany) {
        this.contactCompany = contactCompany;
        return this;
    }

    public ContactData withContactCompanyAddress(String contactCompanyAddress) {
        this.contactCompanyAddress = contactCompanyAddress;
        return this;
    }

    public ContactData withContactHomePhone(String contactHomePhone) {
        this.contactHomePhone = contactHomePhone;
        return this;
    }

    public ContactData withContactMobilePhone(String contactMobilePhone) {
        this.contactMobilePhone = contactMobilePhone;
        return this;
    }

    public ContactData withContactWorkPhone(String contactWorkPhone) {
        this.contactWorkPhone = contactWorkPhone;
        return this;
    }

    public ContactData withContactFax(String contactFax) {
        this.contactFax = contactFax;
        return this;
    }

    public ContactData withContactEmail1(String contactEmail) {
        this.contactEmail1 = contactEmail;
        return this;
    }

    public ContactData withContactEmail2(String contactEmail) {
        this.contactEmail2 = contactEmail;
        return this;
    }

    public ContactData withContactEmail3(String contactEmail) {
        this.contactEmail3 = contactEmail;
        return this;
    }

    public ContactData withContactHomepage(String contactHomepage) {
        this.contactHomepage = contactHomepage;
        return this;
    }

    public ContactData withAllPhones(String allPhones) {
        this.allPhones = allPhones;
        return this;
    }

    public ContactData withAllEmails(String allEmails){
        this.allEmails = allEmails;
        return this;
    }

    public ContactData withContactSummary(String contactSummary) {
        this.contactSummary = contactSummary;
        return this;
    }

    public ContactData withContactFullName(String fullName) {
        this.fullName = fullName;
        return this;
    }

    @Override
    public boolean equals(Object o) {
        if (this == o) return true;
        if (o == null || getClass() != o.getClass()) return false;

        ContactData that = (ContactData) o;

        if (id != that.id) return false;
        if (contactName != null ? !contactName.equals(that.contactName) : that.contactName != null) return false;
        if (contactMiddleName != null ? !contactMiddleName.equals(that.contactMiddleName) : that.contactMiddleName != null)
            return false;
        if (contactLastName != null ? !contactLastName.equals(that.contactLastName) : that.contactLastName != null)
            return false;
        if (contactNickname != null ? !contactNickname.equals(that.contactNickname) : that.contactNickname != null)
            return false;
        if (contactTitle != null ? !contactTitle.equals(that.contactTitle) : that.contactTitle != null) return false;
        if (contactCompany != null ? !contactCompany.equals(that.contactCompany) : that.contactCompany != null)
            return false;
        if (contactCompanyAddress != null ? !contactCompanyAddress.equals(that.contactCompanyAddress) : that.contactCompanyAddress != null)
            return false;
        if (contactHomePhone != null ? !contactHomePhone.equals(that.contactHomePhone) : that.contactHomePhone != null)
            return false;
        if (contactMobilePhone != null ? !contactMobilePhone.equals(that.contactMobilePhone) : that.contactMobilePhone != null)
            return false;
        if (contactWorkPhone != null ? !contactWorkPhone.equals(that.contactWorkPhone) : that.contactWorkPhone != null)
            return false;
        if (contactFax != null ? !contactFax.equals(that.contactFax) : that.contactFax != null) return false;
        if (contactEmail1 != null ? !contactEmail1.equals(that.contactEmail1) : that.contactEmail1 != null)
            return false;
        if (contactEmail2 != null ? !contactEmail2.equals(that.contactEmail2) : that.contactEmail2 != null)
            return false;
        if (contactEmail3 != null ? !contactEmail3.equals(that.contactEmail3) : that.contactEmail3 != null)
            return false;
        if (contactHomepage != null ? !contactHomepage.equals(that.contactHomepage) : that.contactHomepage != null)
            return false;
        if (allPhones != null ? !allPhones.equals(that.allPhones) : that.allPhones != null) return false;
        if (allEmails != null ? !allEmails.equals(that.allEmails) : that.allEmails != null) return false;
        return photo != null ? photo.equals(that.photo) : that.photo == null;
    }

    @Override
    public int hashCode() {
        int result = id;
        result = 31 * result + (contactName != null ? contactName.hashCode() : 0);
        result = 31 * result + (contactMiddleName != null ? contactMiddleName.hashCode() : 0);
        result = 31 * result + (contactLastName != null ? contactLastName.hashCode() : 0);
        result = 31 * result + (contactNickname != null ? contactNickname.hashCode() : 0);
        result = 31 * result + (contactTitle != null ? contactTitle.hashCode() : 0);
        result = 31 * result + (contactCompany != null ? contactCompany.hashCode() : 0);
        result = 31 * result + (contactCompanyAddress != null ? contactCompanyAddress.hashCode() : 0);
        result = 31 * result + (contactHomePhone != null ? contactHomePhone.hashCode() : 0);
        result = 31 * result + (contactMobilePhone != null ? contactMobilePhone.hashCode() : 0);
        result = 31 * result + (contactWorkPhone != null ? contactWorkPhone.hashCode() : 0);
        result = 31 * result + (contactFax != null ? contactFax.hashCode() : 0);
        result = 31 * result + (contactEmail1 != null ? contactEmail1.hashCode() : 0);
        result = 31 * result + (contactEmail2 != null ? contactEmail2.hashCode() : 0);
        result = 31 * result + (contactEmail3 != null ? contactEmail3.hashCode() : 0);
        result = 31 * result + (contactHomepage != null ? contactHomepage.hashCode() : 0);
        result = 31 * result + (allPhones != null ? allPhones.hashCode() : 0);
        result = 31 * result + (allEmails != null ? allEmails.hashCode() : 0);
        result = 31 * result + (photo != null ? photo.hashCode() : 0);
        return result;
    }

    @Override
    public String toString() {
        return "ContactData{" +
                "id=" + id +
                ", contactName='" + contactName + '\'' +
                ", contactMiddleName='" + contactMiddleName + '\'' +
//                ", contactLastName='" + contactLastName + '\'' +
//                ", contactNickname='" + contactNickname + '\'' +
//                ", contactTitle='" + contactTitle + '\'' +
//                ", contactCompany='" + contactCompany + '\'' +
//                ", contactCompanyAddress='" + contactCompanyAddress + '\'' +
//                ", contactHomePhone='" + contactHomePhone + '\'' +
//                ", contactMobilePhone='" + contactMobilePhone + '\'' +
//                ", contactWorkPhone='" + contactWorkPhone + '\'' +
//                ", contactFax='" + contactFax + '\'' +
//                ", contactEmail1='" + contactEmail1 + '\'' +
//                ", contactEmail2='" + contactEmail2 + '\'' +
//                ", contactEmail3='" + contactEmail3 + '\'' +
//                ", contactHomepage='" + contactHomepage + '\'' +
//                ", contactSummary='" + contactSummary + '\'' +
//                ", photo='" + photo + '\'' +
                ", groups=" + groups +
                '}';
    }

}

redpajama_set_name: RedPajamaGithub


This piece was inspired by peach roses in the summer. The meaning of the artwork relates to times in our lives that are rich and uplifting. The gallery wrapped edges are painted black and it is wired to hang.
Based in California's Central Valley, Lisa Manes-James is a retired art teacher whose work is inspired by her physical, sensory, and emotional connections to natural environments. Her non-objective paintings explore the essence of nature through color, organic shapes, and varied textures. Lisa works intuitively with brushes and tools, adding and removing paint according to her instincts. She paints in oil, a medium she finds to be sensuous and rich. For the artist, the experience of painting is a metaphor for the internal and external forces that shape the soul. Her ultimate intention is to cultivate an awareness of the relationship between the natural world and human emotions, experiences, and existence.
We recently bought a large (48"x48") painting from this artist on Ugallery, and we love it!! It's going to be an amazing statement piece on the wall in our living room. The colors are vibrant, and the textures of the painting are interesting too. Ugallery was easy to work with as well, and the painting arrived pretty quickly & packaged very well.


Sharks – One of the most popular Animal topics. They fascinate you. They scare you. But, despite our overwhelming interest in them, there are many myths and misconceptions that surround these amazing creatures. It's time to set the record straight on some of the more prevalent myths.
There are so many species of sharks in the world—over 400 species we know of, and most likely others that scientists have yet to discover in the vastness of our oceans. Most sharks are smaller than an average human. Take for instance the Dwarf Lanternshark. At 8.3 inches or 21 centimeters, he is small enough to fit in a human hand. Dwarf Lanternsharks live off the coasts of Colombia and Venezuela in deep waters along the continental shelf. These tiny sharks eat mainly krill.
Can sharks be dangerous? Sometimes—mostly when they're scared. Are they usually dangerous? Not really. The largest shark in existence, weighing in at almost 22 tons, the Whale Shark feeds entirely on plankton. Whale sharks are docile fish and sometimes allow swimmers to catch a ride. Younger whale sharks are gentle and sometimes play with divers. Underwater photographers such as Fiona Ayerst have photographed them swimming close to humans without any danger.
7. Sharks Like to Eat People.
There's a misconception that all sharks eat meat, therefore they want to eat people. While many sharks are carnivores, preying on both large and small marine life as part of their daily diet, there are some that don't eat meat at all. The whale shark for example. Even the Great White will spit out humans he bites because we are just too bony. Sharks like fat. At between 2-20 percent fat by volume, humans are nowhere near as delicious as his favorite fatty foods.
Humans seem to love being scared by sharks. Good ol' Jaws and the creepy music helped popularize that, but the truth is sharks shouldn't be seen as scary. They are fascinating, amazing, beautiful creatures. Modern sharks have been in existence for about 450 million years. They came along before vertebrates crawled onto the shore. They were around before plants started colonizing the continents. The predate the dinosaurs by millions of years. If that doesn't fascinate you, we can't imagine much does.
Get ready to have your mind blown! While most sharks do live in salt water (aka the oceans), there are some that live in freshwater. For instance, bull sharks live in both ocean and fresh water. They have this amazing ability called osmoregulation—it's pretty cool. Bull sharks can adapt their osmoregulatory processes to survive in a broad range of water salinities, from the salt water of the ocean to the fresh water of a lake. Consequently, this proximity makes him one of the most dangerous sharks to humans.
If you want to give someone a compliment, tell them they're as smart as a shark! These creatures are some of the smartest in the ocean. Over the hundreds of millions of years they've existed, sharks have developed sophisticated social and hunting behaviors.
This is another myth that stems from movies—you know, the shark fin snaking through the water menacingly! But most sharks don't stick around the surface. You'll probably never see them up close because they're deep down in the water.
Wait—where did this myth come from? It's a terrible myth and not true at all. They have an excellent sense of smell and can sometimes detect prey up to a quarter mile away. While the exact opposite of this myth is also untrue – no sharks can't detect a single drop of blood in the ocean, but some sharks can detect blood at 1 part per million. That hardly qualifies as the entire ocean, but they still have extraordinary olfactory abilities.
This one is true … and not true. Yes, some sharks lay eggs (oviparity), but many others give birth live, called viviparity. Unlike most bony fish, shark's eggs are fertilized inside the female's body. The male shark has extensions of the pelvic fins called claspers that are used to transfer sperm to the female and fertilize her eggs. Baby sharks (called pups) are born with a full set of teeth and are fully ready to take care of themselves. They quickly swim away, even from their mothers who might eat them. Litter size ranges from one or two pups (for a great white shark) to over 100 (for a large blue shark or the whale shark).
Much of the information in this video comes from weareteachers.com. Looking around the site, it is an amazing resource for educators.


text:
Living in the US
Visa Holder Rights
American Citizenship
About the USA
Home » Green card information » About the USA
Land of Opportunity
The United States of America has been a land of opportunity and a symbol of hope for immigrants from around the world, since its Independence nearly 250 years ago. A better life, liberty, and the pursuit of happiness were the main reasons that made the early settlers decide to move to America. Despite the various challenges that they faced along the way, these pioneers and patriots, and the generations that followed, have worked hard to build an incredible country where people have the freedom and opportunity to make their dreams come true.
Individuals from a wide variety of countries and cultures immigrate to the United States and bring with them different ways of thinking which contribute to new discoveries, inventions and other technologies. Immigrants have been among the top business leaders, scientists, scholars, entertainers, athletes, politicians and other distinguished individuals living in the USA.
In short, US immigration has brought many benefits to both immigrants and the country that has welcomed them: it's been a "two-way street".
Geographically located in North American continent, the United States of America (USA) is bordered by Canada to the north, Mexico to the south, and sandwiched between the Pacific Ocean on the west and the Atlantic Ocean on the east. As a large coastal country, the US has thousands of miles of scenic seashores and beautiful beaches, where millions of Americans go to play in the surf and relax in the sunshine. Several mountain ranges rise high into the limitless sky (including the Appalachians and Rockies), providing picturesque places to enjoy activities in the Great Outdoors. You will also find rain forests in Hawaii, towering redwoods in California, peaceful pine forests in Colorado, and colorful oak and maple forests in New England. The middle section of the United States is a flat region known as the Great Plains, which is home to many American farms and ranches which produce much of the world's food supply. There are also numerous rivers that snake across large sections of the country (such as the Mississippi, and Ohio rivers), while many lakes also dot the terrain (the Great Lakes being the largest). The desert regions of the southwest have become increasingly popular places to live in the USA, particularly for retirees seeking warm weather in cities such as Las Vegas and Phoenix. As this summary shows, America's geographical diversity offers something for everyone!
The United States has 50 states (the 48 contiguous states, plus Alaska and Hawaii), as well as the District of Columbia, where Washington, DC (the national capital) is located. Each state is further divided into several smaller counties. The top 10 largest states in regard to their territory are Alaska, Texas, California, Montana, New Mexico, Nevada, Colorado, Oregon, and Wyoming.
The United States population is 328 million. The country's most populous states are California (39.5 million), Texas (28.3 million), Florida (20.9 million), New York (19.8 million), Pennsylvania (12.8 million), Illinois (12.8 million), Ohio (11.6 million), Georgia (10.4 million), North Carolina (10.2 million), and Michigan (9.9 million).
The number of estimated immigrants in the country is 43-45 million, or around 14 percent of the total population, which is the largest immigrant population of any country in the world. According to the Pew Research Center, 35% of the immigrants living in the USA reside in western states; 33% live in the South; another 21% make their homes in the Northeast; and 11% of immigrants have settled in the Midwest. Research by the Pew Research Center also reveals that the following US metropolitan areas have the largest immigrant populations: New York City, Los Angeles, Miami, Chicago, Houston, San Francisco, Dallas, Washington DC, Atlanta, Riverside, Boston, San Jose, Phoenix, San Diego, and Philadelphia (among others).
America's most-populated cities in 2018 include #1 New York City (8.6 million), #2 Los Angeles (3.9 million), #3 Chicago (2.7 million), #4 Houston (2.3 million), #5 Phoenix (1.6 million), #6 Philadelphia (1.5 million), #7 San Antonio (1.5 million), #8 San Diego (1.4 million), #9 Dallas (1.3 million), and #10 San Jose (1 million).
The United States of America is proud to be a democracy with a written Constitution and Bill of Rights that establishes a system of "checks and balances" which limits the power of the government by dividing it between the national government and the 50 states. The power of the national government is further divided among the executive branch (i.e., the US President and the executive branch agencies), legislative branch (i.e., the US Congress, which is further divided into the House of Representatives and the Senate), and the judicial branch (i.e., the federal district and appellate courts, and the US Supreme Court). Similarly, the power of each of the 50 states is divided among the executive branch (i.e., the governor), legislative branch (e.g., state assembly), and judicial branch (e.g., district courts, courts of appeal, state supreme court). The US Constitution and the Bill of Rights limit the power of the government and guarantee the many freedoms (e.g., freedom of speech, freedom of the press, freedom of religion, etc.) enjoyed by people living in the USA. American citizens vote for their elected officials in local, state and national elections held on a regular basis. Although this system of government is not perfect, it does tend to be stable, since each branch of government at the national or state level can "check" or "balance" the power of the other branches.
America has the world's largest economy, with a Gross Domestic Product (GDP) of around $19 trillion per year. Services account for around 80.2 percent of GDP; industry makes up about 18.9 percent; and agriculture contributes approximately 0.9 percent. This booming economy is creating an average of 200,000 new jobs in the USA each month, resulting in a very low unemployment rate (3.9 percent in July 2018). Nonetheless, there are approximately 6.6 million jobs in the USA that are unfilled, because there are not enough workers available. Employers across the country are looking for workers to fill US jobs in construction, education, finance, healthcare, manufacturing, professional services, technology, and many other business sectors. This is good news for people who want to move to America, since there are millions of US jobs available.
Thinking of moving to America? Know all about your US immigration options, click here!
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text:
President addresses online high-level debate on UN-AU cooperation
VNA Friday, October 29, 2021 11:55
President Nguyen Xuan Phuc attended the virtual high-level open debate on cooperation between the United Nations (UN) and the African Union (AU) on October 28, at the invitation of his Kenyan counterpart Uhuru Kenyatta, who holds the rotating Presidency of the UN Security Council (UNSC) in October 2021.
President Nguyen Xuan Phuc at the event. (Photo: VNA)
The debate took the theme "Renewing solidarity to successfully deliver peace and security in a changing conflict environment".
In his speech, President Phuc said many African countries have still suffered prolonged consequences of colonialism and slavery regime, as well as conflicts, terrorism, extreme violence, transnational crimes, climate change, food and water source insecurity.
In order to help them with national reconstruction and development, response to and recovery in the post-pandemic period, he suggested that they should strongly improve self-resilience to deal with internal affairs, promote trust building and dialogues, enhance women and youth empowerment.
The African nations were advised to continue fostering friendship, expanding cooperation and integration, consolidating multilateralism, and upholding the spirit of abiding by international law and the UN Charter.
President Phuc proposed the UN and AU pioneer in the implementation of the Initiative on Silencing the Guns in Africa by 2030, the UN Agenda 2030 and Africa's Agenda 2063 on Sustainable Development, and fully and effectively step up the strategic partnership between the UNSC and the AU's Peace and Security Council.
His other suggestions included expanding cooperation among regional organisations to improve their capacity of preventing and addressing conflicts, coping with regional and global challenges; supporting comprehensive exchange and cooperation between ASEAN and the AU; and strengthening food security to contribute to socio-economic stability.
The President stressed that Vietnam always stands side by side with African nations to overcome difficulties, expand effective coordination towards peace and development, and offer medical supplies to fight the pandemic.
He also expressed his wish that Vietnam would soon become an observer of the AU after the country had sent many military officers and doctors to join UN missions in South Sudan and the Central African Republic.
At the event, the UNSC adopted its Presidential Statement on strengthening cooperation between the UN and the AU.
President Nguyen Xuan Phuc virtual high-level open debate UN-AU cooperation
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Organization commissions of Vietnamese, Lao Parties foster cooperation
Businesses in HCMC improve capacity to overcome obstacles from pandemic
During the fourth Covid-19 outbreak in Ho Chi Minh City, as the supply chain was severely interrupted, everything seemed like a nightmare to most companies there. However, thanks to innovative ideas and timely implementation of technologies, many have upgraded themselves to effectively cope with the situation and even develop remarkably.
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The Coating Resins business line of Arkema announced today that the company has increased throughput at its powder coating resins manufacturing facility in North Kansas City, MO by approximately 35 percent. The facility supplies customers in the Americas with REAFREE® polyester powder coating resins.
According to Iwaniw, the powder coating market is growing considerably faster than the coatings market as a whole, requiring companies to adapt and expand to meet that need. Arkema currently provides REAFREE® polyester powder coating resins to the Americas from the North Kansas City facility and to Europe and Asia from another plant in Spain. The company also maintains full service product laboratories at both locations.
REAFREE® is a registered trademarks of Arkema Inc.


text:
7 Ways to Pay It Forward, #7 Your City Needs You
Post views:248 views
Post category:Lifestyle
Welcome to '7 Ways To Pay It Forward', 7 questions to individuals who are making a difference in the community. Each day we will feature a different initiative with details of how you too can get involved.
As always please do share with us any other initiatives you may know of and we can add them to our growing list which will be published on the seventh day.
Be safe, give back & stay connected!
Back in March, H.H. Sheikh Hamdan bin Mohammed bin Rashid Al Maktoum, Crown Prince of Dubai and Chairman of Dubai Executive Council, launched the 'Your City Needs You' volunteering campaign.
The campaign responds to the call of His Highness Sheikh Mohammed bin Rashid Al Maktoum to increase awareness of the importance of volunteering as part of our patriotic and humanitarian responsibilities.
The campaign seeks to give people in Dubai the opportunity to participate in a variety of volunteering activities, paying tribute to healthcare workers and other personnel on the front lines of efforts to safeguard the health and well-being of the community.
"My message to everyone is to volunteer to join the dedicated teams that are working around-the-clock to protect our community. This is part of our social responsibility and our duty to help safeguard the welfare of society. Our aim is to ensure the highest levels of protection against the global pandemic we are facing and support the government's efforts to combat it. This is a great opportunity to show our unity and our love for our city" Sheikh Hamdan said.
The campaign gives professional medical workers like doctors, pharmacists, para-medics and nurses the opportunity to serve the community. It also gives non-professionals a chance to provide social services for taking care of senior citizens and emergency response efforts.
As of today, the 'Your City Needs You' campaign has attracted 12,230 volunteers from 40 nationalities between the ages of 18 and 53.
Volunteers efforts also support the comprehensive sterilisation programme and preventive measures undertaken to counter the spread of the coronavirus, covering highly populated districts in Dubai like Al Ras, Naif, Al Raffa, Al Karama, Al Mankhool, Al Satwa and Oud Metha, in close collaboration with Dubai's Islamic Affairs and Charitable Activities Department which recently launched the Community Solidarity Fund Against COVID-19. The Fund enables individuals and organisations to channel their contributions to the right organisations in order to support the most vulnerable people.
Government teams along with volunteers from all over the emirate are working around the clock to secure the safety and health of the community: the 'Your City Needs You' campaign consolidates the efforts of many humanitarian organisations, including the Mohammed bin Rashid Al Maktoum Charitable Establishment, Dar Al Ber Society, Tarahum Charity Foundation, Beit Al Khair Society, Dubai Charity Association and Dubai KMCC.
Director General of Watani Al Emarat Foundation, Dherar Belhoul Al Falasi, affirmed that selfless volunteering is a key hallmark of progressive communities and it is deeply embedded in the UAE ethos. He praised the collaboration between various government departments and thanked Dubai's residents for their cooperation and commitment to abiding by the preventive measures outlined by authorities. He also thanked the volunteers for their efforts, commitment and dedication, which have helped many people overcome challenges during the current period.
The Your City Needs You volunteering campaign is organised in collaboration with Dubai Health Authority and Watani Al Emarat Foundation.
The Day for Dubai app provides information about volunteering opportunities and ways to join any of the campaign's initiatives based on the volunteer's skills and experiences. The app enables each entity to manage its volunteers and follow up on their activities. The app also enables volunteers to join an entity's group and interact with the entity's officials and other volunteers. Furthermore, volunteers can calculate the hours they have contributed and apply for an achievement certificate.
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