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Curfew advanced in more areas of France as new cluster found
The curfew is set to begin at 18:00 in more departments in France, as Covid cases remain high
Curfew hours are set to be extended across 10 new departments in the east and south east of France from today
By Hannah Thompson
The curfew is to be extended across more departments in eastern and southern France from today and into next week, beginning from 18:00 rather than 20:00.
It comes after 15 departments in the east had already imposed a curfew from 18:00.
The rest of the country remains under a 20:00 curfew, which is set to last until January 20 at least.
The 18:00 curfew is decided depending on several criteria, including if the level of incidence per 100,000 inhabitants over the past seven days is higher than 200. The incidence level among people 65 and over, and the number of beds available in intensive care units, is also taken into account.
Departments currently with a curfew from 18:00
Hautes-Alpes, Alpes-Maritimes, Ardennes, Doubs, Jura, Marne, Haute-Marne, Meurthe-et-Moselle, Meuse, Moselle, Nièvre, Haute-Saône, Saône-et-Loire, Vosges and Territoire de Belfort.
Departments currently with a curfew from 20:00, set to change to 18:00 from January 10
Bas-Rhin, Haut-Rhin, Côte-d'Or, Cher, Allier, Alpes-de-Haute-Provence, Vaucluse, and Bouches-du-Rhône.
Var, and Drôme
New cluster
The new rules come as France announces 20,177 cases in the past 24 hours, and 171 deaths. Since Tuesday January 5, new daily cases have been hovering around 20,000 per day.
Health authority Santé publique France has noted "a clear rise in the number of confirmed cases" which "may be the beginning of the consequences of gatherings at the end of [last] year".
A new cluster of cases has also been identified in the Bouches-du-Rhône. At least 24 people have tested positive as part of the cluster in Marseille, including at least one with the UK variant of the virus, regional health agency l'Agence régionale de santé (ARS) Paca said.
The town of Bagneux in Hauts-de-Seine is also mounting a "massive testing campaign...to reassure and break the chains of transmission", said local MP Laurianne Rossi. It comes after one person who works at two schools tested positive with the UK variant.
Vaccinations are continuing apace in France, with the Moderna vaccine expected to arrive in the country this weekend.
Health Minister Olivier Véran said: "We will probably reach the symbolic threshold of 100,000 people vaccinated over the weekend."
The AstraZeneca-Oxford vaccine is set to be "confirmed before the end of the month", said Dominique Le Guludec, president of health authority la Haute autorité de santé (HAS), on channel Europe 1.
Vaccinations to begin for over 75s in France: How-to guide
UK Covid variant in France: Details of two clusters
Covid France: Curfew, vaccine, UK travel - PM's key updates
health disease medicine
More from French news
France tightens restrictions on travellers from outside EU
Covid vaccines France: Key details, appointments, documents
Curfew at 18:00 for whole of France from Saturday
What is in my DIY toolbox after 18 years in France?
France Covid-19: Is GP visit required before vaccine?


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redpajama_set_name: RedPajamaStackExchange


The track features on the Creed singer's upcoming album The Space Between the Shadows, his first solo LP since 2013's Proof of Life and the first new song since he experienced a much-publicized psychotic break at the end of 2014.
"'Purpose for Pain' is about seeking a higher meaning, a spiritual mentality when dealing with our struggles and life's painful moments," Stapp said in a statement.
The Space Between the Shadows arrives in July via Napalm Records.
In early 2015, Stapp admitted he was "lucky to be alive" after a battle with drug abuse and bipolar disorder that manifested into a series of troubling incidents in Florida.


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Biology for AP® Courses
35.3 Terrestrial Biomes
Biology for AP® Courses35.3 Terrestrial Biomes
1 The Study of Life
1.1 The Science of Biology
1.2 Themes and Concepts of Biology
Test Prep for AP® Courses
2 The Chemical Foundation of Life
2.1 Atoms, Isotopes, Ions, and Molecules: The Building Blocks
2.2 Water
2.3 Carbon
Science Practice Challenge Questions
3 Biological Macromolecules
3.1 Synthesis of Biological Macromolecules
3.2 Carbohydrates
3.3 Lipids
3.4 Proteins
3.5 Nucleic Acids
4 Cell Structure
4.1 Studying Cells
4.2 Prokaryotic Cells
4.3 Eukaryotic Cells
4.4 The Endomembrane System and Proteins
4.5 Cytoskeleton
4.6 Connections between Cells and Cellular Activities
5 Structure and Function of Plasma Membranes
5.1 Components and Structure
5.2 Passive Transport
5.3 Active Transport
5.4 Bulk Transport
6.1 Energy and Metabolism
6.2 Potential, Kinetic, Free, and Activation Energy
6.3 The Laws of Thermodynamics
6.4 ATP: Adenosine Triphosphate
6.5 Enzymes
7 Cellular Respiration
7.1 Energy in Living Systems
7.2 Glycolysis
7.3 Oxidation of Pyruvate and the Citric Acid Cycle
7.4 Oxidative Phosphorylation
7.5 Metabolism without Oxygen
7.6 Connections of Carbohydrate, Protein, and Lipid Metabolic Pathways
7.7 Regulation of Cellular Respiration
8 Photosynthesis
8.1 Overview of Photosynthesis
8.2 The Light-Dependent Reaction of Photosynthesis
8.3 Using Light to Make Organic Molecules
9 Cell Communication
9.1 Signaling Molecules and Cellular Receptors
9.2 Propagation of the Signal
9.3 Response to the Signal
9.4 Signaling in Single-Celled Organisms
10 Cell Reproduction
10.1 Cell Division
10.2 The Cell Cycle
10.3 Control of the Cell Cycle
10.4 Cancer and the Cell Cycle
10.5 Prokaryotic Cell Division
11 Meiosis and Sexual Reproduction
11.1 The Process of Meiosis
11.2 Sexual Reproduction
12 Mendel's Experiments and Heredity
12.1 Mendel's Experiments and the Laws of Probability
12.2 Characteristics and Traits
12.3 Laws of Inheritance
13 Modern Understandings of Inheritance
13.1 Chromosomal Theory and Genetic Linkages
13.2 Chromosomal Basis of Inherited Disorders
14 DNA Structure and Function
14.1 Historical Basis of Modern Understanding
14.2 DNA Structure and Sequencing
14.3 Basics of DNA Replication
14.4 DNA Replication in Prokaryotes
14.5 DNA Replication in Eukaryotes
14.6 DNA Repair
15 Genes and Proteins
15.1 The Genetic Code
15.2 Prokaryotic Transcription
15.3 Eukaryotic Transcription
15.4 RNA Processing in Eukaryotes
15.5 Ribosomes and Protein Synthesis
16 Gene Regulation
16.1 Regulation of Gene Expression
16.2 Prokaryotic Gene Regulation
16.3 Eukaryotic Epigenetic Gene Regulation
16.4 Eukaryotic Transcriptional Gene Regulation
16.5 Eukaryotic Post-transcriptional Gene Regulation
16.6 Eukaryotic Translational and Post-translational Gene Regulation
16.7 Cancer and Gene Regulation
17 Biotechnology and Genomics
17.1 Biotechnology
17.2 Mapping Genomes
17.3 Whole-Genome Sequencing
17.4 Applying Genomics
17.5 Genomics and Proteomics
18 Evolution and Origin of Species
18.1 Understanding Evolution
18.2 Formation of New Species
18.3 Reconnection and Rates of Speciation
19 The Evolution of Populations
19.1 Population Evolution
19.2 Population Genetics
19.3 Adaptive Evolution
20 Phylogenies and the History of Life
20.1 Organizing Life on Earth
20.2 Determining Evolutionary Relationships
20.3 Perspectives on the Phylogenetic Tree
21 Viruses
21.1 Viral Evolution, Morphology, and Classification
21.2 Virus Infection and Hosts
21.3 Prevention and Treatment of Viral Infections
21.4 Other Acellular Entities: Prions and Viroids
22 Prokaryotes: Bacteria and Archaea
22.1 Prokaryotic Diversity
22.2 Structure of Prokaryotes
22.3 Prokaryotic Metabolism
22.4 Bacterial Diseases in Humans
22.5 Beneficial Prokaryotes
23 Plant Form and Physiology
23.1 The Plant Body
23.2 Stems
23.3 Roots
23.4 Leaves
23.5 Transport of Water and Solutes in Plants
23.6 Plant Sensory Systems and Responses
24 The Animal Body: Basic Form and Function
24.1 Animal Form and Function
24.2 Animal Primary Tissues
24.3 Homeostasis
25 Animal Nutrition and the Digestive System
25.1 Digestive Systems
25.2 Nutrition and Energy Production
25.3 Digestive System Processes
25.4 Digestive System Regulation
26 The Nervous System
26.1 Neurons and Glial Cells
26.2 How Neurons Communicate
26.3 The Central Nervous System
26.4 The Peripheral Nervous System
26.5 Nervous System Disorders
27 Sensory Systems
27.1 Sensory Processes
27.2 Somatosensation
27.3 Taste and Smell
27.4 Hearing and Vestibular Sensation
27.5 Vision
28 The Endocrine System
28.1 Types of Hormones
28.2 How Hormones Work
28.3 Regulation of Body Processes
28.4 Regulation of Hormone Production
28.5 Endocrine Glands
29 The Musculoskeletal System
29.1 Types of Skeletal Systems
29.2 Bone
29.3 Joints and Skeletal Movement
29.4 Muscle Contraction and Locomotion
30 The Respiratory System
30.1 Systems of Gas Exchange
30.2 Gas Exchange across Respiratory Surfaces
30.3 Breathing
30.4 Transport of Gases in Human Bodily Fluids
31 The Circulatory System
31.1 Overview of the Circulatory System
31.2 Components of the Blood
31.3 Mammalian Heart and Blood Vessels
31.4 Blood Flow and Blood Pressure Regulation
32 Osmotic Regulation and Excretion
32.1 Osmoregulation and Osmotic Balance
32.2 The Kidneys and Osmoregulatory Organs
32.3 Excretion Systems
32.4 Nitrogenous Wastes
32.5 Hormonal Control of Osmoregulatory Functions
33 The Immune System
33.1 Innate Immune Response
33.2 Adaptive Immune Response
33.3 Antibodies
33.4 Disruptions in the Immune System
34 Animal Reproduction and Development
34.1 Reproduction Methods
34.2 Fertilization
34.3 Human Reproductive Anatomy and Gametogenesis
34.4 Hormonal Control of Human Reproduction
34.5 Fertilization and Early Embryonic Development
34.6 Organogenesis and Vertebrate Formation
34.7 Human Pregnancy and Birth
35 Ecology and the Biosphere
35.1 The Scope of Ecology
35.2 Biogeography
35.4 Aquatic Biomes
35.5 Climate and the Effects of Global Climate Change
36 Population and Community Ecology
36.1 Population Demography
36.2 Life Histories and Natural Selection
36.3 Environmental Limits to Population Growth
36.4 Population Dynamics and Regulation
36.5 Human Population Growth
36.6 Community Ecology
36.7 Behavioral Biology: Proximate and Ultimate Causes of Behavior
37 Ecosystems
37.1 Ecology for Ecosystems
37.2 Energy Flow through Ecosystems
37.3 Biogeochemical Cycles
38 Conservation Biology and Biodiversity
38.1 The Biodiversity Crisis
38.2 The Importance of Biodiversity to Human Life
38.3 Threats to Biodiversity
38.4 Preserving Biodiversity
A | The Periodic Table of Elements
B | Geological Time
C | Measurements and the Metric System
In this section, you will explore the following questions:
What are the two major abiotic factors that determine terrestrial biomes?
What are distinguishing characteristics of each of the major terrestrial biomes?
Connection for AP® Courses
Much of the information in this section is outside the scope of AP®. You do not need to memorize a list of Earth's major terrestrial biomes and their descriptive features. However, we learned previously that organisms interact with each other and with their environments to move matter and energy. Biomes are ripe with examples of these interactions. A biome refers to a major type of terrestrial (or aquatic) community distributed according to climate, which determines the predominant vegetation. In turn, the vegetation influences what types of animals can inhabit the area. Comparing the annual totals of precipitation and fluctuations in precipitation from one biome to another provides clues as to the importance of abiotic factors in the distribution of biomes. The same type of biome can occur in different areas of the world (Figure 35.12).
Information presented and the examples highlighted in the section support concepts outlined in Big Idea 2 of the AP® Biology Curriculum Framework. The AP® Learning Objectives listed in the Curriculum Framework provide a transparent foundation for the AP® Biology course, an inquiry-based laboratory experience, instructional activities, and AP® exam questions. A learning objective merges required content with one or more of the seven science practices.
Big Idea 2 Biological systems utilize free energy and molecular building blocks to grow, to reproduce, and to maintain dynamic homeostasis.
Enduring Understanding 2.D Growth and dynamic homeostasis of a biological system are influenced by changes in the system's environment.
Essential Knowledge 2.D.1 Abiotic factors in an environment determine the characteristics of the environment (biome).
Science Practice 1.3 The student can refine representations and models of natural or man-made phenomena and systems in the domain.
Science Practice 3.2 The student can refine scientific questions.
Learning Objective 2.22 The student is able to refine scientific models and questions about the effect of complex biotic and abiotic interactions on biological systems, from cells and organisms to populations, communities, and ecosystems.
Science Practice 5.1 The student can analyze data to identify patterns or relationships.
Learning Objective 2.24 The student is able to analyze data to identify possible patterns and relationships between a biotic or abiotic factor and a biological system (cells, organisms, populations, communities, or ecosystems).
Visual Connection
Figure 35.12 Each of the world's major biomes is distinguished by characteristic temperatures and amounts of precipitation. Polar ice and mountains are also shown.
Figure 35.12
Which of the following statements about biomes is false?
Chapparal is dominated by shrubs.
Grasses dominate savannas and temperate grasslands.
Boreal forests are dominated by deciduous trees.
Lichens are common in the arctic tundra.
Tropical Wet Forest
Tropical wet forests are also referred to as tropical rainforests. This biome is found in equatorial regions (Figure 35.12). The vegetation is characterized by plants with broad leaves that fall off throughout the year. Unlike the trees of deciduous forests, the trees in this biome do not have a seasonal loss of leaves associated with variations in temperature and sunlight; these forests are "evergreen" year-round.
The temperature and sunlight profiles of tropical wet forests are very stable in comparison to that of other terrestrial biomes, with the temperatures ranging from 20 °C to 34 °C (68 °F to 93 °F). When one compares the annual temperature variation of tropical wet forests with that of other forest biomes, the lack of seasonal temperature variation in the tropical wet forest becomes apparent. This lack of seasonality leads to year-round plant growth, rather than the seasonal (spring, summer, and fall) growth seen in other biomes. In contrast to other ecosystems, tropical ecosystems do not have long days and short days during the yearly cycle. Instead, a constant daily amount of sunlight (11–12 hrs per day) provides more solar radiation, thereby, a longer period of time for plant growth.
The annual rainfall in tropical wet forests ranges from 125 to 660 cm (50–200 in) with some monthly variation. While sunlight and temperature remain fairly consistent, annual rainfall is highly variable. Tropical wet forests have wet months in which there can be more than 30 cm (11–12 in) of precipitation, as well as dry months in which there are fewer than 10 cm (3.5 in) of rainfall. However, the driest month of a tropical wet forest still exceeds the annual rainfall of some other biomes, such as deserts.
Tropical wet forests have high net primary productivity because the annual temperatures and precipitation values in these areas are ideal for plant growth. Therefore, the extensive biomass present in the tropical wet forest leads to plant communities with very high species diversities (Figure 35.13). Tropical wet forests have more species of trees than any other biome; on average between 100 and 300 species of trees are present in a single hectare (2.5 acres) of South America. One way to visualize this is to compare the distinctive horizontal layers within the tropical wet forest biome. On the forest floor is a sparse layer of plants and decaying plant matter. Above that is an understory of short shrubby foliage. A layer of trees rises above this understory and is topped by a closed upper canopy—the uppermost overhead layer of branches and leaves. Some additional trees emerge through this closed upper canopy. These layers provide diverse and complex habitats for the variety of plants, fungi, animals, and other organisms within the tropical wet forests. For instance, epiphytes are plants that grow on other plants, which typically are not harmed. Epiphytes are found throughout tropical wet forest biomes. Many species of animals use the variety of plants and the complex structure of the tropical wet forests for food and shelter. Some organisms live several meters above ground and have adapted to this arboreal lifestyle.
Figure 35.13 Tropical wet forests, such as these forests of Madre de Dios, Peru, near the Amazon River, have high species diversity. (credit: Roosevelt Garcia)
Savannas
Savannas are grasslands with scattered trees, and they are located in Africa, South America, and northern Australia (Figure 35.12). Savannas are hot, tropical areas with temperatures averaging from 24 °C to 29 °C (75 °F to 84 °F) and an annual rainfall of 10–40 cm (3.9–15.7 in). Savannas have an extensive dry season; for this reason, forest trees do not grow as well as they do in the tropical wet forest (or other forest biomes). As a result, within the grasses and forbs (herbaceous flowering plants) that dominate the savanna, there are relatively few trees (Figure 35.14). Since fire is an important source of disturbance in this biome, plants have evolved well-developed root systems that allow them to quickly re-sprout after a fire.
Figure 35.14 Savannas, like this one in Taita Hills Wildlife Sanctuary in Kenya, are dominated by grasses. (credit: Christopher T. Cooper)
Subtropical Deserts
Subtropical deserts exist between 15 ° and 30 ° north and south latitude and are centered on the Tropics of Cancer and Capricorn (Figure 35.12). This biome is very dry; in some years, evaporation exceeds precipitation. Subtropical hot deserts can have daytime soil surface temperatures above 60 °C (140 °F) and nighttime temperatures approaching 0 °C (32 °F). In cold deserts, temperatures can be as high as 25 °C and can drop below -30 °C (-22 °F). Subtropical deserts are characterized by low annual precipitation of fewer than 30 cm (12 in) with little monthly variation and lack of predictability in rainfall. In some cases, the annual rainfall can be as low as 2 cm (0.8 in) in subtropical deserts located in central Australia ("the Outback") and northern Africa.
The vegetation and low animal diversity of this biome is closely related to this low and unpredictable precipitation. Very dry deserts lack perennial vegetation that lives from one year to the next; instead, many plants are annuals that grow quickly and reproduce when rainfall does occur, then they die. Many other plants in these areas are characterized by having a number of adaptations that conserve water, such as deep roots, reduced foliage, and water-storing stems (Figure 35.15). Seed plants in the desert produce seeds that can be in dormancy for extended periods between rains. Adaptations in desert animals include nocturnal behavior and burrowing.
Figure 35.15 To reduce water loss, many desert plants have tiny leaves or no leaves at all. The leaves of ocotillo (Fouquieria splendens), shown here in the Sonora Desert near Gila Bend, Arizona, appear only after rainfall, and then are shed.
The chaparral is also called the scrub forest and is found in California, along the Mediterranean Sea, and along the southern coast of Australia (Figure 35.12). The annual rainfall in this biome ranges from 65 cm to 75 cm (25.6–29.5 in), and the majority of the rain falls in the winter. Summers are very dry and many chaparral plants are dormant during the summertime. The chaparral vegetation, shown in Figure 35.16, is dominated by shrubs and is adapted to periodic fires, with some plants producing seeds that only germinate after a hot fire. The ashes left behind after a fire are rich in nutrients like nitrogen that fertilize the soil and promote plant regrowth.
Figure 35.16 The chaparral is dominated by shrubs. (credit: Miguel Vieira)
Temperate Grasslands
Temperate grasslands are found throughout central North America, where they are also known as prairies; they are also in Eurasia, where they are known as steppes (Figure 35.12). Temperate grasslands have pronounced annual fluctuations in temperature with hot summers and cold winters. The annual temperature variation produces specific growing seasons for plants. Plant growth is possible when temperatures are warm enough to sustain plant growth and when ample water is available, which occurs in the spring, summer, and fall. During much of the winter, temperatures are low, and water, which is stored in the form of ice, is not available for plant growth.
Annual precipitation ranges from 25 cm to 75 cm (9.8–29.5 in). Because of relatively lower annual precipitation in temperate grasslands, there are few trees except for those found growing along rivers or streams. The dominant vegetation tends to consist of grasses and some prairies sustain populations of grazing animals Figure 35.17. The vegetation is very dense and the soils are fertile because the subsurface of the soil is packed with the roots and rhizomes (underground stems) of these grasses. The roots and rhizomes act to anchor plants into the ground and replenish the organic material (humus) in the soil when they die and decay.
Figure 35.17 The American bison (Bison bison), more commonly called the buffalo, is a grazing mammal that once populated American prairies in huge numbers. (credit: Jack Dykinga, USDA Agricultural Research Service)
Fires, mainly caused by lightning, are a natural disturbance in temperate grasslands. When fire is suppressed in temperate grasslands, the vegetation eventually converts to scrub and dense forests. Often, the restoration or management of temperate grasslands requires the use of controlled burns to suppress the growth of trees and maintain the grasses.
Temperate Forests
Temperate forests are the most common biome in eastern North America, Western Europe, Eastern Asia, Chile, and New Zealand (Figure 35.12). This biome is found throughout mid-latitude regions. Temperatures range between -30 °C and 30 °C (-22 °F to 86 °F) and drop to below freezing on an annual basis. These temperatures mean that temperate forests have defined growing seasons during the spring, summer, and early fall. Precipitation is relatively constant throughout the year and ranges between 75 cm and 150 cm (29.5–59 in).
Because of the moderate annual rainfall and temperatures, deciduous trees are the dominant plant in this biome (Figure 35.18). Deciduous trees lose their leaves each fall and remain leafless in the winter. Thus, no photosynthesis occurs in the deciduous trees during the dormant winter period. Each spring, new leaves appear as the temperature increases. Because of the dormant period, the net primary productivity of temperate forests is less than that of tropical wet forests. In addition, temperate forests show less diversity of tree species than tropical wet forest biomes.
Figure 35.18 Deciduous trees are the dominant plant in the temperate forest. (credit: Oliver Herold)
The trees of the temperate forests leaf out and shade much of the ground; however, this biome is more open than tropical wet forests because trees in the temperate forests do not grow as tall as the trees in tropical wet forests. The soils of the temperate forests are rich in inorganic and organic nutrients. This is due to the thick layer of leaf litter on forest floors. As this leaf litter decays, nutrients are returned to the soil. The leaf litter also protects soil from erosion, insulates the ground, and provides habitats for invertebrates (such as the pill bug or roly-poly, Armadillidium vulgare) and their predators, such as the red-backed salamander (Plethodon cinereus).
The boreal forest, also known as taiga or coniferous forest, is found south of the Arctic Circle and across most of Canada, Alaska, Russia, and northern Europe (Figure 35.12). This biome has cold, dry winters and short, cool, wet summers. The annual precipitation is from 40 cm to 100 cm (15.7–39 in) and usually takes the form of snow. Little evaporation occurs because of the cold temperatures.
The long and cold winters in the boreal forest have led to the predominance of cold-tolerant cone-bearing plants. These are evergreen coniferous trees like pines, spruce, and fir, which retain their needle-shaped leaves year-round. Evergreen trees can photosynthesize earlier in the spring than deciduous trees because less energy from the sun is required to warm a needle-like leaf than a broad leaf. This benefits evergreen trees, which grow faster than deciduous trees in the boreal forest. In addition, soils in boreal forest regions tend to be acidic with little available nitrogen. Leaves are a nitrogen-rich structure and deciduous trees must produce a new set of these nitrogen-rich structures each year. Therefore, coniferous trees that retain nitrogen-rich needles may have a competitive advantage over the broad-leafed deciduous trees.
The net primary productivity of boreal forests is lower than that of temperate forests and tropical wet forests. The aboveground biomass of boreal forests is high because these slow-growing tree species are long lived and accumulate standing biomass over time. Plant species diversity is less than that seen in temperate forests and tropical wet forests. Boreal forests lack the pronounced elements of the layered forest structure seen in tropical wet forests. The structure of a boreal forest is often only a tree layer and a ground layer (Figure 35.19). When conifer needles are dropped, they decompose more slowly than broad leaves; therefore, fewer nutrients are returned to the soil to fuel plant growth.
Figure 35.19 The boreal forest (taiga) has low lying plants and conifer trees. (credit: L.B. Brubaker)
Arctic Tundra
The Arctic tundra lies north of the subarctic boreal forest and is located throughout the Arctic regions of the northern hemisphere (Figure 35.12). The average winter temperature is -34 °C (-29.2 °F) and the average summer temperature is from 3 °C to 12 °C (37 °F–52 °F). Plants in the arctic tundra have a very short growing season of approximately 10–12 weeks. However, during this time, there are almost 24 hours of daylight and plant growth is rapid. The annual precipitation of the Arctic tundra is very low with little annual variation in precipitation. And, as in the boreal forests, there is little evaporation due to the cold temperatures.
Plants in the Arctic tundra are generally low to the ground (Figure 35.20). There is little species diversity, low net primary productivity, and low aboveground biomass. The soils of the Arctic tundra may remain in a perennially frozen state referred to as permafrost. The permafrost makes it impossible for roots to penetrate deep into the soil and slows the decay of organic matter, which inhibits the release of nutrients from organic matter. During the growing season, the ground of the Arctic tundra can be completely covered with plants or lichens.
Figure 35.20 Low-growing plants such as shrub willow dominate the tundra landscape, shown here in the Arctic National Wildlife Refuge. (credit: USFWS Arctic National Wildlife Refuge)
Link to Learning
Watch this Assignment Discovery: Biomes video for an overview of biomes. To explore further, select one of the biomes on the extended playlist: desert, savanna, temperate forest, temperate grassland, tropic, tundra.
Which of the following biomes is characterized by low precipitation, cactus, hardy shrubs, and high temperatures?
chapparal
boreal forest
Science Practice Connection for AP® Courses
For five different terrestrial biomes, create a visual representation to describe each biome and factors that affect its climate. What unique adaptations help plants and animals survive in each biome?
In what ways are the subtropical desert and the Arctic tundra similar?
The activity is an application of AP® Learning Objective 2.22 and Sciences Practices 1.3 and 3.2 because students are refining models to answer questions about how interactions among biotic and abiotic factors influence ecosystem dynamics.
Activity answers should include representations of temperature and the amount of precipitation. Also important to include are the type of geography of the region: flat, mountainous, etc., as well as the types of vegetation typically found in the biome. A well thought out representation may also include seasonal variation such as the dormant season of a chaparral biome during which fires may play a part returning nutrients to the soil versus the rain that falls during the winter.
The Think About It question is an application of AP® Learning Objective 2.24 and Science Practice 5.1 because students are comparing two different biomes with respect to their shared characteristics.
Think About It Sample Answer: The subtropical desert and arctic tundra, while different in many ways, share some significant similarities. Both biomes experience very low annual precipitation and can experience significantly cold temperatures at night, though the latter is more prevalent in the Artic tundra. As a result, in both biomes, plants have a very short growing season, and in that season, both biomes experience rapid growth. Both biomes are also characterized by low species diversity and low primary productivity.
Access for free at https://openstax.org/books/biology-ap-courses/pages/1-introduction
Authors: Julianne Zedalis, John Eggebrecht
Book title: Biology for AP® Courses
Publication date: Mar 8, 2018
Book URL: https://openstax.org/books/biology-ap-courses/pages/1-introduction
Section URL: https://openstax.org/books/biology-ap-courses/pages/35-3-terrestrial-biomes
© Aug 25, 2021 OpenStax. Textbook content produced by OpenStax is licensed under a Creative Commons Attribution License 4.0 license. The OpenStax name, OpenStax logo, OpenStax book covers, OpenStax CNX name, and OpenStax CNX logo are not subject to the Creative Commons license and may not be reproduced without the prior and express written consent of Rice University.

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John Maynard Keynes (5 June 1883 – 21 April 1946) was a British economist.
His most famous work was a book published in 1936 called The General Theory of Employment, Interest and Money. This work laid out the basic economic theory that spawned an interventionist school of economic thought called Keynesianism or Keynesian economics whose proponents are commonly referred to as Keynesians.
This page was last edited on 2 October 2016, at 01:21.


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popcolours: The Aesthetics of Hues in Antiquities from the HKMoA Collection
Date: Thursday 6 Jan 2022
Time: 11:00 am - 12:00 pm
Place: Hong Kong Museum of Art
The Oriental Ceramic Society is delighted to present an exclusive guided viewing of popcolours: The Aesthetics of Hues in Antiquities from the HKMoA Collection.
Once used as daily wares, artefacts often feature colours and patterns comparable in style and beauty to the modern designs of today. Besides reflecting the personal taste of their owner, the designs of artefacts could also be influenced by religious beliefs, rules and etiquette, shaping the aesthetic trend of the times. In ancient China, a scheme of "five prime colours" was commonly adopted, consisting of blue, red, yellow, white and black, which featured prominently in everyday life. To discover more, join our five KOLs as they take you on a fascinating journey exploring the colourful world of ancient artefacts and exquisite craftsmanship.
This private viewing takes place when the museum is closed to the public and is exclusively for OCS members. Due to social distancing restrictions, the viewing is limited to 15 people. Although the exhibition tour is free, we welcome donations of $150 to cover administrative costs.
Please note that visitors are required to wear a face mask, receive temperature screening, sanitize hands with rubbing alcohol provided, and register / use the LeaveHomeSafe application to scan the venue QR code at the temperature screening station prior to entry.
Image provided by HKMoA
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© 2023 The Oriental Ceramic Society of Hong Kong, All rights reserved


ExpressionEngine Vs WordPress - Which Content Management System is Perfect For Business?
Part of the EllisLab how-to video library. This EllisLab support video shows you how to change your system folder name.


The Dell Inspiron B130 was released in 2006. Dell's Inspiron's B130 is very similar to their B120 model, with the exception of a few specifications, so repairs for this model are very similar. Some common issues include: faulty AC adaptor (charger), battery problems, motherboard connection issues, overheating problems and unresponsive screen issues.
Where can I get parts for my computer?
Why are my speakers making a popping/static noise?
If you are having any issues with the Dell Inspiron B130, please refer back to our troubleshooting page.
The Dell Inspiron B130 was released in 2006. Dell's Inspiron's B130 is very similar to their B120 and their 1300 model, with the exception of a few specifications, so repairs for this model are very similar. The B130 model features a 15.4 inch screen, whereas, the other two feature a 14.1 inch screen. The B130 model also has a 6-cell lithium ion battery (with a 3 hour charge time with the computer off), 3 USB connectors, a microphone and also a headphone connector and has 2 GB of maximum memory. The physical dimensions of the computer are; 1.41 inches tall by 14 inches wide, by 10.5 inches deep. Some common issues include: faulty AC adapter (charger), battery problems, motherboard connection issues, overheating problems and unresponsive screen issues.


Here are some things about the next week for which I long for some prayer support. Please pray that I'd do all to the glory of God, and that He would cause fruitful ministry.
Tonight (Friday) and tomorrow I'll be leading some devo time and song-worship at a work weekend at a Christian camp near Belleville.
Sunday I'll be preaching on the Transfiguration of Jesus.
Monday our second intern, Meg arrives!
Tuesday-Thursday my family heads on a brief vacation near Barrie to refuel and love on each other before a busy summer.
Next Friday we'll have an important !group leader and Minlead meeting.
Next Saturday will be Men's FIGHTclub and C!Station at the Farmers' Market.
Thank you, faith family, for your love, prayers, and support.


Listen to some of The Eden Wedding Band's samples here!
Listen to some of A Few Good Men's samples here!
Listen to some of Midnight Sound's samples here!
You Are So Beautiful to Me by Joe Cocker. A father actually sang this instead of dancing with his daughter, not a dry eye in the house – it stuck in my head as a lovely moment.
Listen to some of Pink Champagne's samples here!
Listen to some of The Best Men's samples here!
They are without a doubt our five most popular tracks and our most recently requested song is the Heartland's track mentioned above. Personally, we just love playing a little bit of the Stevie Wonder track- 'Isn't She Lovely' or the Bublé number – they are both total classics and manage to convey the emotive nature of the moment whilst keeping the crowd happy and enthralled – our absolute priority.
Listen to some of The Moogs' samples here!
Listen to some of The Suite's samples here!
One of our favourite tunes to play live full stop! And we always play it at showcases as our example of a great father/daughter tune!
This is one we are learning for an upcoming wedding and it's just a great song with a lovely message.
A great old fashioned waltz which is a real tradition at an Irish wedding.
This is the type of tune that surprises you as a musician – there are some great parts in it to learn.
We performed this at a wedding in Cork last year and it was just a real treat to learn, you don't get to do too many reggae tunes!


Keeping your personal information secure that is collected while on the site (from the form you fill out), is a most important responsibility. I value your trust and handle personal information with care. Your information may be accessed when needed to complete your request, should you fill out our contact form and continue to use Centering Massage services to meet your needs. Your information may also be accessed when considering a request from you for additional services, honoring an agreement with you, or when responding to requests, as required by law.
Your information is safeguarded according to established security standards and procedures, and I continually assess new technology for protecting information. I am trained to understand and comply with these information principles. I do not and will not share your personal information with any other organization.


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SEO Web Design, LLC / Posts tagged "search engine land"
DuckDuckGo's focus on privacy-minded users pushes it past 100 million searches in a single day
DuckDuckGo served 102,251,307 search queries on January 11, breaking past the 100 million query milestone for the first time, according to the search engine's traffic page[1]. Daily average search queries served by DuckDuckGo. The letters (A-F) refer to privacy-related blog and news articles published on those dates. Source: DuckDuckGo[2]. DuckDuckGo remains a very niche competitor. As of December 2020, Google's estimated search engine market share in the US is 87.81%, according to data from statcounter[3]. The closest competitor,...
by Search Engine Land
The SMX Report agenda is live!
If your New Year's resolutions include earning more organic traffic, executing stronger PPC campaigns, and generating greater profits, you can't afford to miss the actionable tactics at SMX Report[1] — online February 23. At just $99, your All Access pass packs a ton of value, including an all-new training experience covering everything you need to know about search marketing analytics. Here's how it works: Crafted by the Search Engine Land experts, the agenda[2] features two dedicated "learning journeys": SEO...
Google crawl stats report now showing more crawls
Google has posted[1] an update on its new crawl stats report saying "the crawl stats report has increased its reporting coverage for additional types of crawls." This means you may see an increase in the number of crawls reported for your site but this is just a reporting change – there is no direct impact in search. Crawl stats report. Google, back in November 2020, launched the new crawl stats report[2]. You can check it out over...
Video: Phillip Thune on finding good writers and writing good content
In part one with Phillip Thune[1], we spoke about the super old days in the search industry. Phillip Thune, the CEO of Textbroker and former President of FindWhat.com. Here, in part two, we speak a bit more tactical, about how content and search. Specifically we spoke about how to prepare to write for users and search engines. What you can do to help find the write authors for your content, if outsourcing content is what you want...
LinkedIn launches LinkedIn Marketing Labs on-demand courses for advertisers
30-second overview. LinkedIn introduces on-demand video courses to teach advertisers how to use LinkedIn ad tools Courses cover the basics including an introduction to LinkedIn Ads, how to use LinkedIn ad targeting, and reporting and analytics for LinkedIn ads. Advertisers differ on their opinions of LinkedIn ads' effectiveness, saying success is often achievable for niche industries. Why we care. For businesses looking to advertise on LinkedIn, the platform has historically been hard for marketers to use. That, plus the lack...
Award-winning tips from the 2020 Search Engine Land SEM and SEO agencies of the year
This year's Search Engine Land Award winners for Agency of the Year in SEO and SEM sat down with our Search Engine Land's own Matt Van Wagner to talk about how they make their award-winning agencies work. [embedded content] Adam Heitzman is the cofounder and managing partner at Higher Visibility, a full-service digital agency based out of Memphis, TN, most widely recognized for SEO. Higher Visibility is Search Engine Land's SEO Agency of the Year. David Dweck is...
Why we're creating a new content experience for SMX
Let's face it; conferences delivered predictable content experiences long before the COVID-19 pandemic caused the industry to wind down overnight. Don't get me wrong, we miss the expo halls, networking parties and intimate dinners with colleagues, new connections and prospects too. But you always knew what you were in for with the content experience. Big-name keynotes delivering big-picture inspiration, and a menu of sessions that kept you bouncing from one corner of the convention center to...
Google pauses all political ads through inauguration
30 second overview. Google has temporarily disabled political ads for at least a week beginning January 14. They say they plan to continually monitor and reassess the decision, so the ban could potentially extend even longer. Ads mentioning politics, impeachment, the inauguration, and the insurrection at the US Capitol will all be halted. The ban includes ads run by news organizations and merchandisers. Why we care. In a week where social media and PPC practitioners have been juggling national news, overseeing...
Yelp launches "health and safety measures" community feedback feature
Yelp now lets users leave feedback on local businesses' health and safety compliance around COVID pandemic precautions. Community members can vouch that businesses are enforcing social distancing and requiring staff to wear masks. Why we care. As the COVID-19 situation continues to evolve, SMBs and local businesses want to ensure they're communicating their safety precautions to customers. The new feature allows you to let Yelp users know what measures you're taking to keep them and your employees...
Unlock actionable search tactics at SMX Report
Make 2021 the year you implement proven analytics practices that drive more traffic, leads, and sales: Join us at SMX Report[1], online February 23! Grab an affordable $99 All Access pass now to unlock a structured learning journey through the most important analytics topics and platforms — from creating insight-driven Google Data Studio dashboards to measuring ad profitability and performance with Google Ads reporting. The all-new agenda, programmed by the experts at Search Engine Land, is designed...


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Q: Driver.ExecuteJavaScript returns null If I execute this command from a developer console in Internet Explorer 11,
angular.element('viewer-uigrid').scope().$parent.$parent.reportReq.ReportDefinition.DataSets[0].ColumnDefinitions

I get back an array of objects.
In test automation, if I attempt to execute that same code using:
var colDefs = Driver.ExecuteJavaScript<object>("angular.element('viewer-uigrid').scope().$parent.$parent.reportReq.ReportDefinition.DataSets[0].ColumnDefinitions[0]; ");

The colDefs variable comes back as null.  Driver is an object of type OpenQA.Selenium.IE.InternetExplorerDriver and ExecuteJavaScript is an extension available from OpenQA.Selenium.Support.Extensions.
Any idea why the return value in C# is null, but it returns an array from the console?

A: A co-worker shed light on this.  The correct way to get a value back is to use "return" in your java script string so that the value comes back and isn't discarded, like so:
var colDefs = Driver.ExecuteJavaScript<object>("return angular.element('viewer-uigrid').scope().$parent.$parent.reportReq.ReportDefinition.DataSets[0].ColumnDefinitions[0]; ");


Whether it's a big organization or a small one, printer forms the basic necessity. Printer comes in different formats. There are inkjet printers, laser printers, and many others. Printers are largely available in the market and that too at affordable prices to suit your business needs. However, it has been seen that after a certain point of time, printer start facing some sort of glitches. Being a machine, such glitches are normal. But, from business point of view, these are the hurdles, which put a bar on the business working.
To remove all the glitches or problems, none other than printer repair services in Fort Worth are called upon. The expert technicians offer the quick and easiest approach to make sure your printer works smoothly. There are glitches that are easy to overcome by own self. Likewise, a minor paper jam or printer is short of paper to print, etc. Such issues are easy to overcome but for bigger issues, say, fire is coming out of the printer or some connectivity problem is there; all such issues need expert attention.
Our expert technicians are experienced enough to deal with the latest issues with the printer. With the changing times, printer is coming up with technology advanced features. Of course, the problems are also highly technology related. Thus, our trained engineers are proficient enough to deal with the highly developed issues and that too, on a quick note.
Our experts will analyze the complete problem before working on it and then treat the machine. If you want someone so proficient in handling frequent errors of your machine, you can simply call at the +1866-593-4777 and book an appointment with our engineer.
Contact our technicians between 8AM to 10 PM and book the visit at your place. Our printer repair services in Fort Worth will surely give you relief from your machinery halts.


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David Cronenberg Talks Andy Warhol
Andy Warhol may be best known for his can of Campbell's soup, but he was also obsessed with celebrity and tragedy. Yesterday, at the launch of the Art Gallery of Ontario's Andy Warhol / Supernova: Stars, Death and Disaster, 1962-1964, film director and guest curator David Cronenberg spoke of his own work with stars and disaster, and why Warhol's work is particularly relevant now.
The exhibit itself includes photography, painting, silkscreens, and films projected on walls, each Meeting with a group of bloggers before the opening of the show, Cronenberg spoke of the challenges of bringing the show to the AGO due to the space restrictions, but voiced his pleasure at the way it ended up coming together: "I didn't want people to breathe too much. The show is very intense and dense." Sitting on a couch in his Nikes, Cronenberg talked about Warhol's focus on the specific in order to convey the universal, which is a recurring tendency in art. The Canadian director's sensibility on new media was refreshing, as he spoke of the splintering and fragmenting of the "pretense of the mass audience" due to new technologies, and how this was crucial to the way film and other forms of art are created and marketed.
The exhibit itself includes photography, painting, silkscreens, and films projected on walls, each conveying Warhol's fascination with any type of celebrity. Working on his premise that every person will get their fifteen minutes of fame, the works in the exhibit portray — and almost eroticize — human tragedy as a form of celebrity. The juxtaposition of Warhol's films Blow Job and Kiss with a silkscreen of an electric chair excellently shows the power of disaster as a stimulating concept. While the exhibit itself is quite small, Cronenberg's audio commentary is extensive, and includes the thoughts of people that had the opportunity to work with Warhol himself, such as Dennis Hopper.
An artist's party followed the opening of the Supernova show, bringing together local artists for a social evening to celebrate the new exhibit and network with other people in the industry.
The Andy Warhol / Supernova: Stars, Deaths and Disasters, 1962-1964 exhibit runs from July 8 to October 22 at the Art Gallery of Ontario. Tickets are $18 but can be obtained for free by spotting the pink hearse.
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This butterfly shaped charm is cast with a child's handprint. The Charm looks great worn on a short fine necklace or on a charm bracelet.
Silver charms can be ordered with a clip on clasp. You could also buy Carrier Beads, we can attach them for you so you can thread you charm onto you Pandora or Troll bracelet.
Once we have a good print we can start to make your charm.
It is possible to write a name on the front and a sentiment or date on the back. You can give details of these when you return the handprints.
All our silver charms can be ordered with 'Carrier Bead Charms' These are bead like attachments which allow the charm to be threaded onto a Pandora or Troll bracelet. They cost an extra £10 but will be soldered on to your chosen charm. Please search 'Carrier Bead' and purchase them as required.
Yin Yan Pair of Fingerprint charms for friendship, twins or soulmates.


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Q: Do I need to create adapter for every recyclerview I am a beginner to android programming. I have created a recycler view which parses data from a JSON. I want to parse another JSON data which has the same data type and same layout everything but it is a different category. do I need to make another adapter for this recycler view?or i can use the same adapter,how i can use? Please help.
My Fragment Code
public class Tab1 extends Fragment implements ExampleAdapter.onItemClickListener{
    private RecyclerViewPager mRecyclerView;
    private ExampleAdapter mExampleAdapter;
    private ArrayList<ExampleItem> mExampleList;
    private RequestQueue mRequestQueue;
    public static final String EXTRA_URL = "imageUrl";

    @Nullable
    @Override
    public View onCreateView(@NonNull LayoutInflater inflater, @Nullable ViewGroup container, @Nullable Bundle savedInstanceState) {
        ((AppCompatActivity) getActivity()).getSupportActionBar().hide();
        View rootView = inflater.inflate(R.layout.tab1, container, false);
        mRecyclerView = rootView.findViewById(R.id.recycler_view);
        mRecyclerView.setHasFixedSize(true);

        mRecyclerView.setLayoutManager(new LinearLayoutManager(getActivity(), LinearLayoutManager.VERTICAL, false));
        mExampleList = new ArrayList<>();
        mRequestQueue = Volley.newRequestQueue(getActivity().getApplicationContext());

        // Set the adapter here.
        // Use getActivity() instead of getContext()
        parseJson();
        mExampleAdapter = new ExampleAdapter(getContext(), mExampleList);
        mRecyclerView.setAdapter(mExampleAdapter);
        mExampleAdapter.setOnItemClickListener(Tab1.this);
        return rootView;
    }

    private void parseJson() {
        String url = "http://maranamassapp.cf/json_getdata.php";
        JsonObjectRequest request = new JsonObjectRequest(Request.Method.GET, url, null,
                new Response.Listener<JSONObject>() {
                    @Override
                    public void onResponse(JSONObject response) {
                        try {
                            JSONArray jsonArray = response.getJSONArray("server_response");
                            for (int i = 0; i < jsonArray.length(); i++) {
                                JSONObject ser = jsonArray.getJSONObject(i);
                                String creatorname =  ser.getString("head");
                                String imageUrl = ser.getString("image");
                                String cat = ser.getString("content");
                                String postdate = ser.getString("weburl");
                                String dateall = ser.getString("date");
                                mExampleList.add(new ExampleItem(imageUrl,creatorname,cat,postdate,dateall));
                            }

                            // Just call notifyDataSetChanged here
                            mExampleAdapter.notifyDataSetChanged();
                        } catch (JSONException e) {
                            e.printStackTrace();
                        }
                    }
                }, new Response.ErrorListener() {
            @Override
            public void onErrorResponse(VolleyError error) {
                error.printStackTrace();
            }
        });

        mRequestQueue.add(request);
    }
        public void onItemClick(int position) {
            Intent detailintent = new Intent(getContext(), DetailActivity.class);
            ExampleItem clickeditem = mExampleList.get(position);
            detailintent.putExtra(EXTRA_URL, clickeditem.getmDate());
            startActivity(detailintent);
    }
}

My Adapter Code
public class ExampleAdapter extends RecyclerView.Adapter <ExampleAdapter.ExampleViewHolder>{
    private Context mContext;
    private ArrayList<ExampleItem> mExampleList;
    private onItemClickListener mListener;
    public interface onItemClickListener{
        void onItemClick(int position);
    }

    public void setOnItemClickListener(onItemClickListener listener){
        mListener = listener;
    }
    public ExampleAdapter(Context context, ArrayList<ExampleItem> examplelist){
        mContext =context;
        mExampleList = examplelist;
    }

    @NonNull
    @Override
    public ExampleViewHolder onCreateViewHolder(@NonNull ViewGroup parent, int viewType) {
        View v = LayoutInflater.from(mContext).inflate(R.layout.example_item,parent,false);
        return new ExampleViewHolder(v);
    }

    @Override
    public void onBindViewHolder(@NonNull ExampleViewHolder holder, int position) {
        ExampleItem currentItem = mExampleList.get(position);
        String imageUrl = currentItem.getmImageUrl();
        String creatorName = currentItem.getmCreator();
        String cat =currentItem.getmCat();
        String postdate = currentItem.getmDate();
        String dateall = currentItem.getmAll();
        holder.mTextViewCreator.setText(creatorName);
        holder.mTextViewCat.setText(cat);
        holder.mDateAll.setText(dateall);
        Glide.with(mContext)
                .load(imageUrl)
                .into(holder.mImageView);

    }

    @Override
    public int getItemCount() {
        return mExampleList.size();
    }

    public class ExampleViewHolder extends RecyclerView.ViewHolder{
        public ImageView mImageView;
        public TextView mTextViewCreator;
        public TextView mTextViewCat;
        public TextView mDateAll;
        public ExampleViewHolder(View itemView) {
            super(itemView);
            mImageView = itemView.findViewById(R.id.image_view);
            mTextViewCreator = itemView.findViewById(R.id.text_view_creator);
            mTextViewCat = itemView.findViewById(R.id.text_view_cat);
            mDateAll = itemView.findViewById(R.id.date_views);
            itemView.setOnClickListener(new View.OnClickListener() {
                @Override
                public void onClick(View view) {
                    if(mListener != null){
                        int position = getAdapterPosition();
                        if (position !=RecyclerView.NO_POSITION){
                            mListener.onItemClick(position);
                        }
                    }
                }
            });
        }
    }
}

A: Every list needs an adapter, otherwise, it won't display data.
Can more than one list have the same adapter? Absolutely.
If your adapter only can display ExampleItem objects that you've stored from somewhere, though, then that's the only type of object you can use in that adapter, and subsequently show in a list. It's not clear what a "category" in your case means.
If you have a different type of object, you need a different adapter class.
If object types share some common values, you might want to brush up on some Java inheritance patterns with abstract classes and Interfaces
Another option is storing more than one ArrayList within an Adapter and using the concept of "item types". For example, all even rows are from one list, and all odd rows from another

In this code, if you are using multiple Fragments across multiple tabs, then you will need to use new ExampleAdapter and setAdapter() individually, many times

A: if you have two different category and same layout you can you
getItemViewType(int position)
method of recyclerview.
below is an example link


You've taken out a space at an exhibition, now you'll need an expert experiential marketing team to work with you – listening, understanding and helping you create a face-to-face marketing strategy that will build your brand and accomplish your objectives. We don't create exhibits, we create experiences – experiences that'll help you connect with your audience, tell your story and deliver the results that you need.
Need a captivating new exhibit? Trust us to create a show-stopping space that's sure to make you stand out from the crowd.
Your exhibit programme takes you to the corners of the world. We're right there with you, and we're there with our own in-house global resources to take care of your every need.
The right show floor experience fully engages attendees and doesn't just represent your brand - it activates it. As your full-service partner, we have everything you need in-house, from programme strategy consultants, to creative gurus, to all of the services you need to execute from start to finish. We'll help you create an extraordinary experience that draws attendees, encourages meaningful engagement, and tells your unique story.
We all realise that this is the real world and there is no substitute for performance. Our single focus is the flawless execution of your exhibit experience, every time. Every detail is attended to and every effort extended to ensure an extraordinary experience for you and your attendees.


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Federalist No. 77 – Janine Turner
Howdy from Arizona! As I read Alexander Hamilton's Federalist Paper No. 77, I have such an appreciation and gratitude for our founding fathers and revolutionary heroes, great and small. They fought for our independence and dignity of soul. Their bravery was no less when they had the fortitude to gather at the Constitutional Convention and construct a document that furthered the principals of the Declaration of Independence. The following paragraph by Alexander Hamilton in Federalist Paper No. 77 reveals the genius of their collective vision.
"Does it also combine the requisites to safety, in a republican sense, a due dependence on the people, a due responsibility? The answer to this question has been anticipated in the investigation of its other characteristics, and is satisfactorily deducible from these circumstances; from the election of the President once in four years by persons immediately chosen by the people for that purpose; and from his being at all times liable to impeachment, trial, dismission from office, incapacity to serve in any other, and to forfeiture of life and estate by subsequent prosecution in the common course of law. But these precautions, great as they are, are not the only ones which the plan of the convention has provided in favor of the public security. In the only instances in which the abuse of the executive authority was materially to be feared, the Chief Magistrate of the United States would, by that plan, be subjected to the control of a branch of the legislative body. What more could be desired by an enlightened and reasonable people?"
Our founding fathers fiercely desired our President and our representatives to be held accountable and that they represent the people with the solemnity and dignity that the office deserves.
Tags: Federalist No. 77, Janine Turner
http://constitutingamerica.org/wp-content/uploads/2021/10/logo_web_white_280x62.png 0 0 Janine Turner and Cathy Gillespie http://constitutingamerica.org/wp-content/uploads/2021/10/logo_web_white_280x62.png Janine Turner and Cathy Gillespie2011-03-06 20:26:242020-05-24 20:52:57Federalist No. 77 – Janine Turner
Federalist No. 77- Cathy Gillespie Federalist No. 76 – The Appointing Power of the Executive, From the New York...


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Category: Addepar
Thursday June 8 2017, Daily News Digest
News Comments Today's main news: Goldman Sachs now highest-interest paying bank for savers. Zopa to build challenger bank in Barcelona. KBRA releases comprehensive surveillance report for American credit acceptance receivables trusts. CreditEase Wealth Management expands to Singapore. Today's main analysis: Funding Circle June review. Today's thought-provoking articles: OCC posts FAQ on fintech questions. Addepar raises $140M in quiet […]
Today's main news: Goldman Sachs now highest-interest paying bank for savers. Zopa to build challenger bank in Barcelona. KBRA releases comprehensive surveillance report for American credit acceptance receivables trusts. CreditEase Wealth Management expands to Singapore.
Today's main analysis: Funding Circle June review.
Today's thought-provoking articles: OCC posts FAQ on fintech questions. Addepar raises $140M in quiet year for fintech funding. Kasikorn Bank launches $30M Beacon fintech fund.
Goldman raises interest rates for savers. GP:"This is a validation that their new model of using savings accounts as source of capital is working. The spreads must be sufficient and they are seeking to increase volumes and potentially have other usages of this capital. I also expect other investment banks to launch their own savings-account capital intake solutions."AT: "Kiplinger predicts the inflation rate for 2017 to be above 2%. As of April 2017, inflation was at 2.2% for the previous 12 months. So, Goldman's savings interest rate is still going to cause savers to lose money. Still, it's exciting to see the bank get competitive, and it appears they'll be chasing this business online."
KBRA releases comprehensive surveillance report for American Credit Acceptance Receivables Trust.
OCC posts FAQ on fintech questions. AT: "A must-read."
Cadre is now worth $800M. GP:"A valuation is just an indicator of the price the last investor was willing to invest in or the last price a share was sold at. It is often just an illusion, and often an overvalued illusion."
OLPI Con Hurley statement on CHOICE 2.0.
InstaLend expands to three new states.
RealtyeVest lowers minimum investment requirement for all real estate offerings.
Payscape CEO on expansion into midtown Atlanta.
Where does fintech regulation fit in?
6 tips for getting the best mortgage deal.
Funding Circle's June review. GP:"April 2017 was a particularly low volume month and we are glad May is back"AT: "Over 8,500 customers borrowed more than 610M GBP in June."
Zopa to build challenger bank in Barcelona. GP:"A very interesting choice and surprising. Perhaps it's cheaper to build a bank in Spain than in London and the rules still allow you to use the capital to lend to the British market. A very smart move."
Assetz Capital launches Property Secured Investment Account.
Liberis announces integration with Xero.
Folk2Folk makes multiple new hires.
CreditEase Wealth Management expands into Singapore.
Hong Kong's central bank signs pact with Shenzen.
P2P lenders disclose financial data in NIFA's information disclosure system.
Centralway Numbrs cuts third of staff.
Brightfolk's investment in Klarna tops $225M. AT: "Yesterday, the amount was unknown. Today, we know it's at least $225M."
Bank's homegrown efforts dominate Poland's fintech scene.
Suretly announces ICO.
AEVI, Moroku partner to mobilize small merchants.
Sancus Finance launches new platform.
Credit Crowd joins Othera.
Addepar raises $140M in quiet year for fintech funding.
Crowdfunding real estate projects in the GTA.
Kasikorn Bank launches $30M Beacon fintech fund.
Eight Indonesian fintech startups registered under OJK.
Goldman Sachs boost rates for savers in bid to attract deposits (Reuters), Rated: AAA
KBRA Releases Comprehensive Surveillance Report for American Credit Acceptance Receivables Trusts (KBRA), Rated: AAA
OCC Posts FAQ That Addresses Fintech Questions (Crowdfund Insider), Rated: AAA
THE REAL ESTATE START-UP JARED KUSHNER CO-FOUNDED IS NOW WORTH $ 800 MILLION (Vanity Fair), Rated: A
Statement by Con Hurley, Executive Director, Online Lending Policy Institute (OLPI) (OLPI Email), Rated: A
InstaLend expands to three new states (PR Newswire), Rated: A
RealtyeVest Lowers Minimum Investment Requirement for All Real Estate Offerings (PR Newswire), Rated: A
Payscape CEO Jeremy Wing On The Fintech Company's Expansion and Move To Midtown (Hypepotamus), Rated: A
With Fintech Changing Financial Services, Where Does Regulation Fit In? (San Francisco Fed), Rated: B
6 Tips for Getting the Best Deal on a Mortgage (The Fiscal Times), Rated: B
Your June Review – Insight and Analysis (Funding Circle), Rated: AAA
Assetz Capital Launches Property Secured Investment Account (P2P-Banking), Rated: A
Alternative lender Liberis announces fintech integration with Xero (AltFi), Rated: A
Folk2Folk Announces Multiple New Hires as Part of National Expansion Plans (Crowdfund Insider), Rated: B
CreditEase Wealth Management Expanded in Singapore to Poise for Fintech-driven Globalization (PR Newswire), Rated: AAA
Hong Kong's Central Bank Inks FinTech Pact with Shenzen in China (Cryptocoins News), Rated: A
P2P Lenders Disclosing Financial Data in NIFA's Information Disclosure System (Xing Ping She Email), Rated: A
Zopa to build new challenger bank from development centre in Barcelona (Finextra), Rated: AAA
Swiss Fintech Giant Cuts a Third of its Jobs (finews.com), Rated: A
Fashion magnate takes $ 225M+ stake in Swedish payment unicorn Klarna (TechCrunch), Rated: A
Banks' homegrown efforts dominate Poland's fintech scene (Financial Times), Rated: A
Suretly, a Crowdvouching Alternative to Peer-2-Peer Lending Announces ICO (Coinspeaker), Rated: A
Going Beyond Payments at the Point of Sale: AEVI and Moroku Partner to Mobilize Small Merchants (PR Newswire), Rated: A
GLI Finance Owned Sancus Finance Launches New Financing Platform (Crowdfund Insider), Rated: A
Australian P2P Lender Credit Crowd Joins Blockchain Lending Platform Othera (Crowdfund Insider), Rated: A
Addepar raises $ 140M amid relatively quiet year for fintech funding (PitchBook), Rated: AAA
Crowdfunding real estate projects in the GTA (Mississauga), Rated: B
Thailand's Kasikorn Bank launches $ 30M 'Beacon' fund for fintech (TechCrunch), Rated: AAA
Eight Indonesian fintech startups officially registered under OJK (Deal Street Asia), Rated: A
U.S. savers who routinely scour personal finance sites for the best deposit rates are soon going to see an unusual bank at the top of the list: Goldman Sachs Group Inc.
The Wall Street bank's consumer arm, Goldman Sachs Bank USA, plans on Wednesday to raise the rate it offers customers on deposits to 1.2 percent, slightly higher than rivals Synchrony Bank, CIT Bank and New York Community Bank's My Banking Direct.
Goldman had previously offered savers 1.05 percent. The average national rate for savings accounts is currently 0.06 percent, according to the U.S. Federal Deposit Insurance Corporation.
The move makes Goldman the highest interest paying bank, according to personal finance website Bankrate.com. The firm is aggressively trying to boost its deposit base and attract Main Street clients.
Goldman's online deposits from individuals total $12 billion, a small but growing fraction of the $128 billion in overall deposits on the firm's overall balance sheet.
Kroll Bond Rating Agency (KBRA) takes rating actions on 8 American Credit Acceptance Receivables Trust. In total, 15 notes were affirmed and 15 were upgraded. The data used are as of the April 31, 2017 collection period. No rating actions were taken on American Credit Acceptance Receivables Trusts 2017-1 and 2017-2, since these transactions have less than 6 months of seasoning. The rating actions reflect the fact that losses are in-line with KBRA's initial loss expectations and credit enhancement has built for each class of notes. The breakeven loss multiples for each class of notes were sufficient for their respective affirmations and upgrades.
Credit enhancement for each transaction consists of overcollateralization ("OC"), subordination of junior notes, cash reserves, and excess spread. Each transaction has either met or is building to their respective target OC. The collateral for all the transactions has amortized from their initial pool balance since closing.
The Office of the Comptroller of the Currency (OCC) is out with an FAQ to supplement a Bulletin (2013-29). Several of the items address Fintech specifically, as well as marketplace lending.
9. How can a bank offer products or services to underbanked or underserved segments of the population through a third-party relationship with a Fintech company?
Banks may partner with Fintech companies to offer savings, credit, financial planning, or payments in an effort to increase consumer access. In some instances, banks serve only as facilitators for the Fintech companies' products or services with one of the products or services coming from the banks.
10. What should a bank consider when entering a marketplace lending arrangement with nonbank entities?
When engaging in marketplace lending activities, a bank's board and management should understand the relationships among the bank, the marketplace lender, and the borrowers; fully understand the legal, strategic, reputation, operational, and other risks that these arrangements pose; and evaluate the marketplace lender's practices for compliance with applicable laws and regulations. As with any third-party relationship, management at banks involved with marketplace lenders should ensure the risk exposure is consistent with their boards' strategic goals, risk appetite, and safety and soundness objectives. In addition, boards should adopt appropriate policies, inclusive of concentration limitations, before beginning business relationships with marketplace lenders.
Read the full FAQ here.
In May, real-estate investing start-up Cadre found itself in the limelight when The Wall Street Journal reported that Jared Kushner, President Donald Trump's son-in-law, had failed to disclose his investment in the three-year-old company when he became a senior adviser to Trump. Jared and his younger brother, Josh, are both listed as the company's co-founders, along with Ryan Williams, who met Josh Kushner at Harvard. Before Trump's inauguration, Jared Kushner stepped down from Cadre's board and sold some of his stake in the company, Bloomberg reports.
Now, the company has raised $65 million in funding, valuing Cadre at $800 million. The biggest firm to invest in the new round of funding is Silicon Valley heavyweight Andreessen Horowitz, which joins a number of institutional investors, including Vinod Khosla, David Yu, George Soros, and Trump adviser Peter Thiel in backing the real-estate tech start-up.
Cadre is just one Kushner-connected start-up in the tech world. Before he divested from his assets, Kushner had a $30 million stake in Thrive, his brother's venture-capital firm, which invests in companies that include Slack, Glossier, Juicero, and, of course, Cadre.
"At a time when some are calling to reimpose the strictures of the Glass-Steagall Act on banks, no one is calling for a return to the days on interstate restrictions on banking activities. Yet, this is precisely what the misguided federal court decision in the Madden case would achieve.
The U.S. House of Representatives is expected to ratify the longstanding law and custom of banking in the U.S. that a loan, once made, is valid regardless of subsequent buyers or assignees of that loan. The Online Lending Policy Institute salutes this action. Further, OLPI urges the Senate to make this part of its reform legislation."
The CHOICE Act 2.0 introduces amendments to the National Bank Act, Federal Deposit Insurance Act, Home Owners' Loan Act, and Federal Credit Union Act to clarify that the interest rate of a loan that is valid when made by a national bank, state-chartered insured depository institution, federal savings association, or federal credit union shall remain valid regardless of whether the loan is subsequently sold, assigned, or otherwise transferred to a third party. These amendments would overturn the 2015 decision of the Second Circuit Court of Appeals in Madden v. Midland Funding, which suggested that loans held by non-bank entities may be subject to state usury laws even where the loans were originated by national banks for which such laws are preempted. The Madden decision has created some uncertainty in the secondary markets for bank-originated loans.
Today, InstaLend announced successful growth of its real estate crowdfunding platform, expanding to Pennsylvania, Illinois, and Georgia. As of June 1, 2017, investors in these three states, as well as New Jersey, will be able to participate in passive residential real estate investments through InstaLend's online crowdfunding platform.
For any given project, InstaLend funds between 80 and 90 percent of the total project's cost (acquisition + renovation) in the form of a senior debt loan. The capital provided by InstaLend is sourced through its network of crowd investors, and borrowers commit between 10 and 20 percent of total project cost as common equity.
RealtyeVest lowered their required minimum investment amount today to just $5,000 for all offerings on their real estate crowdfunding platform for accredited investors. Previous minimum investment amounts ranged from $15,000 to $50,000, depending on the real estate project. The new $5,000 threshold is intended to draw first-time investors to experience RealtyeVest's high-caliber performance with a nominal financial commitment.
RealtyeVest connects commercial and residential real estate owner-operators with investors. Their one-stop platform, realtyevest.com, provides a simple, secure, and transparent digital dashboard for accredited investors to partake in exclusive high-yield investment opportunities. New investors can complete the simple accreditation process right on the RealtyeVest website and become accredited within approximately 24 hours.
Payments to the people — it's the motto and guiding principle behind Payscape, an Atlanta-based Fintech company that provides small to mid-size business owners with technologies that help them accept payments, streamline business, and increase cash flow. Payscape has grown exponentially since its inception in 2004 — their commitment to consistently developing and iterating new products that serve their customer base has allowed them to expand to 14 offices. They've processed 125 million transactions to the tune of $7 billion.
CEO Jeremy Wing and his team have had a busy 2017 thus far. The company invested $50 million to expand their operations, add 200+ jobs, and relocate to Midtown for access to talent and strategic partners. Most recently the team launched a new software product — Payscape Registration, an online registration management system with integrated payments. It's already on the wish list of a few major universities, including Cornell University.
Q2 2017 was big for Payscape. Tell me more about your product launch and how it will add to Payscape's current features.
Our new product includes a mobile app for event registration and payments, enhanced communication features such as text and an integration marketplace that will make it easier to connect other SaaS technologies with our platform.
You're investing $50 million on an expansion and relocation to Midtown. What prompted your decision?
Midtown is the center of the Atlanta Fintech hub. It's near Tech Square and Georgia Tech, and strategic partners like NCR, ParkMobile, Equifax, TTV, TechSquare Labs and Flashpoint. We not only look to partners to grow businesses, but as a major talent acquisition tool.
We also love the infrastructure for live/work/play. Most of our team will be using alternative transportation to get to our new headquarters.
Which rules and regulations apply to products that use new financial technologies? The Federal Reserve is taking steps to make answers easier to find.
Take last fall's Consumer Compliance Outlook. The Fed included a list of existing laws, regulations, and supervisory guidance that fintech firms and their depository institution partners might find relevant.
That's why San Francisco Fed fintech advisors are available for in-person and virtual consultations with fintech firms and their depository partners.
Here's what you need to know to score a mortgage in today's market:
Start the process early. You can make the process easier by having your financial documents — including tax returns, bank statements and pay stubs — in order and ready to share with your lender. More than half of borrowers recently surveyed by FreeandClear.com said that the paperwork was the most challenging part of the mortgage process. Pull your credit report, too, to make sure that there aren't any errors or surprises that could haunt you.
Shop around. Get quotes from at least three lenders, including a national bank, a local bank or credit union and an online lender.
Understand private mortgage insurance. Any time you have a down payment of less than 20 percent, you'll need to pay mortgage insurance on the loan, which will push up your monthly bill.
Ask about all your loan options.
Consider locking in your rate. On a median-priced home, an increase in mortgage rates from 4 percent to 5 percent would add $100 to the monthly bill, according to Zillow.
Remember you don't need to borrow the max.
Summer has arrived, and it's been another exciting month. We've been given full authorisation from the UK regulator, the Financial Conduct Authority – another step forward to offering industry-leading, tax-free returns with the Funding Circle ISA, which we plan to launch later this year. You can read the full story in this article.
You've helped more than 8,500 small businesses access finance in the last 6 months…
Source: Funding Circle
Totalling over £610 million lent
To see a breakdown of the loans defaulted last week simply click on loans defaulted 1st June 2017.
P2P Lending marketplace Assetz Capital today announced the launch of another account type. The Property Secured Investment Account (PSIA) is marketed as a way to invest exclusively in property backed loans with automatic diversification intended to help investors spread their risk across a diverse range of lending.
The target rate for the Assetz PSIA account is 5.5%.
Leading UK-based merchant cash advancer Liberis has partnered with accounting software firm Xero. The deep integration will open up seamless access to Liberis' funding products for Xero users.
A specialist in small business accounting, Xero has over one million subscribers in more than 180 countries. Those users will now be able to access Liberis' merchant cash advances in-app or on-site.
These advances can be managed in real-time using the Xero technology platform, giving businesses an accurate overview of their cash-flows.
Specialist business peer to peer lending platform Folk2Folk has hired a new Chief Marketing Officer (CMO) and four Business Development Managers (BDM). Folk2Folk specializes in secured loans for businesses across the UK. The platform matches local businesses looking for finance with investors looking for a great return.
Leading Chinese Fintech and wealth management company, CreditEase announced today the opening of its new Singapore office in the Asia Square Tower. The new office opening was hosted by CreditEase Founder and CEO Ning Tang, CreditEase senior executives, distinguished guests from Blackstone, KKR and Tishman Speyers and other strategic partners.
Tang forecast an explosive development in crowdfunding, robo-advisor, insurance tech and blockchain innovations in the coming decade, while reiterating the company's willingness to share its Fintech achievements and the "development dividend" to continuously create value for clients.
CreditEase Wealth Management opened its Singapore office in October 2014 with a focus on global real estate finance and investment. Its global property FoF products have been very popular among high-net-worth Chinese clients. When it obtained an asset management license from the Monetary Authority of Singapore (MAS) in 2016, it marked the cornerstone for further business expansion in the country.
In addition to Singapore, CreditEase operates overseas offices and affiliate offices in Hong Kong, New York, and Tel Aviv. Domestically, the CreditEase wealth management network covers over 40 mainland cities, and in in 2016 the company was awarded "Best Non-Bank Private Wealth Product" by The Asian Banker.
The Hong Kong Monetary Authority (HKMA), the defacto central bank, is co-operating with the neighboring city of Shenzhen in China over developments in financial technologies or FinTech.
Given the geographical proximity between the two cities, the bilateral co-operation is certain to promote FinTech activity and adoption in two of the most prosperous cities in the region. Shenzhen is among the largest and the wealthiest cities in China, one that links Hong Kong to the Mainland.
National Internet Finance Association (NIFA) launched the Information Disclosure System on June 5th, and the first 10 P2P lenders were known to disclose financial data in the system, including Wei Dai Network, Lufax, Souyidai.com, etc.
Now, we can search for basic and operating information of the above P2P lenders on the website of NIFA. And 8 of them have disclosed financial information as follows.
Zopa, the innovative finance company, today announces the opening of a development centre in Barcelona, Spain.
The new hub will initially focus on building the technology to support the launch of Zopa's next generation bank and developers will work on developing payment gateways, credit card processing, and deposit systems.
Martin Saidler has built Centralway Numbrs with a considerable personal financial investment, achieving a most respectable response from investors. The firm is a global distribution platform for banking products, a super market for customers of retail banking services ranging from loans to car insurance and funds.
Centralway Numbrs in the final week of May abruptly terminated the contracts of about 50 of its staff. The people affected are programmers and other technical staff. Reason for the cuts are high development and personnel costs.
The company still doesn't generate significant revenues with its banking app and the platform. Therefore, the fintech has to cut costs, eliminating jobs in Zurich or moving them elsewhere.
Centralway Numbrs says the reduction of jobs in Zurich is part of a restructuring process. Jobs will go in Zurich, but the company continues to hire programmers across the world who work from home – so-called remote workers, the company told finews.com.
Centralway Numbrs has reached its first agreements with three companies this year, generating an initial return: Postbank, Norisbank and SWK Bank, three German companies which make their products available via the platform. These contracts aren't enough to make the platform viable though.
Payments startup Klarna is ramping up its valuation again as it picks up a new, strategic investor. Last valued at $2.25 billion in 2015, the company today announced that Brightfolk, controlled by fashion tycoon Anders Holch Povlsen, is becoming a "qualified owner" of Klarna — that is, buying up at least 10 percent of the company.
At Klarna's $2.25 billion valuation, Brightfolk's 10 percent+ stake is valued at $225 million or more. But while the company is not commenting on any of the financial terms of today's deal, TechCrunch understands that this is an "up" round, with the valuation now higher than $2.25 billion.
Poland's most popular mobile payments service was not created in a garage or innovation lab. It was designed around a conference table by the heads of country's six biggest banks, who had decided the market needed a new service.
In 1989, when communist rule ended, the country had just two retail banks, both of which were state-controlled. International banking groups and new private Polish banks quickly joined the fray.
Today, services such as free real-time online payments are standard, contactless payment is available in almost every shop throughout the country and customers have a choice of apps for organising their finances.
Suretly is a unique crowdvouching platform that offers an alternative to conventional P2P lending practice. The crowdvouching model followed by Suretly works in conjunction with microfinancing organizations where investors can vouch for a borrower by offering assurance to repay a portion of the loan amount in case of default. In return for their guarantee, they will receive compensation based on the borrower's credit rating.
Suretly mainly targets short-term loans and the platform is already dubbed as the "Tinder for Microloans."
Suretly's crowdfunding campaign is set for July 2017 launch, and it will be managed by the platform's Singapore fund. The ICO follows a highly successful Pre-ICO round that raised over $350,000 in less than 48 hours.
The company has already set up its operations in Russia and has plans to enter the US market in Q4 2017.
SUR Token ICO
Suretly is planning to raise between $1.5 – $8 million USD in the next round of financing by selling 15% of its existing shares. Funds raised through the crowdsale will be used to accelerate integration into new markets and countries, spearheaded by a new, soon to be set up legal entity in Singapore.
AEVI and Moroku today announced a partnership to bring their all-in-one small merchant POS software Marrakash to AEVI's Global Marketplace; a B2B app store for smart Point of Sale (SmartPOS) devices. Marrakash is designed with the next generation of banks in mind, delivering a single solution for their small retail and hospitality merchants that seamlessly integrates their business, products, customers and payment systems into one easy-to-use platform. The partnership will leverage AEVI's open solutions and global support infrastructure to target multiple vertical markets including the hospitality, food and drink, retail andfinancial service industries.
Based in Sydney, Australia, Moroku is a pioneering Fintech firm that is providing the finance industry with engaging banking and payment experiences through gamification. AEVI's Global Marketplace will now also feature Moroku's Marrakash, POS software that enables small mobile merchants to grow and run their business entirely from a single SmartPOS device.
Marrakash is already in operation today with merchants in Australia, India, North America and the UK. Voted runner-up at the New Zealand Payment Innovation awards, Marrakash enables businesses to display a full product catalogue, create bespoke customer loyalty schemes and take secure card payments on the go. This gives merchants the control and freedom to run their business and take payments however, and wherever, they need. Having Marrakash available on AEVI's Marketplace will allow vendors across the globe using AEVI-enabled POS hardware to download and add the app directly to their SmartPOS device. The strategic partnership will increase Marrakash's speed to market in key US and European territories where AEVI already have a strong, and ever-growing, presence.
Sancus Finance, a specialist financial services provider, has launched a new funding platform for businesses looking to participate in financing on their site. The new platform is part of a series of developments designed to improve the overall service offered to both funders and businesses. Sancus is part of AIM listed GLI Finance. Sancus BMS Group, the parent of Sancus Finance, has provided in excess of £578 million of funding to SME's and their owners and has operations in the UK, Ireland, Jersey, Guernsey, Gibraltar & the Isle of Man.
It was announced recently that Australia-based P2P lender, Credit Crowd, has joined Othera's Blockchain Lending Platform and Digital Asset Trading Exchange. By joining Othera's platform, Credit Crowd is seeking to evolve its P2P lending market by digitizing the trading of P2P loans on the block chain.
Founded in 2012, Credit Crowd provides short-term mortgages to borrowers as well as a marketplace for retail and institutional investors. The company claims to have originated over $100 million in loans to finance over 50 projects for its borrowers since being founded.
Addepar, a B2B fintech company that offers a data-driven operating system for wealth advisors and other financial professionals, has raised $140 million in a VC round led by Valor Equity Partners, 8VC and Harry McPike. Valor Equity Partners is an existing backer, and 8VC, the venture firm led by Addepar co-founder Joe Lonsdale, previously invested in the company through its predecessor firm, Formation 8. Addepar had raised about $67 million prior to this round and was most recently valued at $292 million in 2014.
Much of the new funding will go toward research and development.
Among the other companies in the financial services industry that have raised significant equity funding in 2017 are online lender SoFi ($453 million in March) and Robinhood, the provider of a mobile stock-trading app ($110 million in April).
Overall, funding in the fintech industry is on pace for a
NexusCrowd, a Canadian real estate crowdfunding platform, has a number of projects on the go through crowdfunding, including a $12 million real estate redevelopment project announced in 2015 boasting three properties — one in Mississauga.
Roll up, roll up, there's a new fintech VC fund in Southeast Asia town. Today, Thailand-based Kasikorn Bank announced its inaugural tech fund which is 1 billion THB, just shy of $30 million, in size.
Kasikorn, which was founded in 1945 and is one of Thailand's major banks, is calling the fund Beacon — think lights on top of lighthouses — and it is aimed at giving the firm first-mover advantage on global tech through startups based in Thailand and overseas. Thanapong Na Ranong, formerly with InVent, a VC affiliated with mobile operator AIS, will lead Beacon VC.
The capital, which is 100 percent from the bank, will go towards direct investments in startups and also contributions into VC funds as an LP. Kasikorn said today that it has already backed Dymon Asia, a fintech fund headquartered in Singapore that is targeting a $50 million final close, and put money into Bangkok-based FlowAccount, its first direct investment in a startup.
Going forward, it is targeting three to five deals per year ranging from seed-plus to Series A stage with a target across all aspects of fintech. The firm aims to lead or co-lead investments with a typical check size of $500,000 to $3 million. It did not disclose what portion of the fund is reserved for follow-on deals, but the capital itself is anticipated to last between four and six years.
Peer-to-peer lending startups Investree, Amartha, and KoinWorks are among eight Indonesian fintech startups that have been officially registered under the Financial Services Authority (OJK) in May 2017.
As of June 5, 2017, Investree claims to have successfully disbursed Rp 148 billion unfunded loan with 592 total loans, 17.5 per cent average rate of return, and zero default.
Amartha started in 2010 as a micro-finance institution. Six years later, it changed into a P2P lending marketplace. Today, Amartha claims to have facilitated over $6 million in loans to over 30,000 women micro-entrepreneurs while maintaining a 7-year long 0% default rate.
Indonesia's fintech sector is currently the second biggest in the region after Singapore.
Author Allen TaylorPosted on June 8, 2017 Categories Addepar, AEVI, Assetz Capital, Banks, Beacon, Brightfolk, Cadre, Centralway Numbrs, Challenger Banks, china p2p, Credit Crowd, CreditEase, Daily News Digest, Featured, fintech, Folk2Folk, Funding Circle, Goldman Sachs, ICO, InstaLend, KBRA, Klarna, Liberis, Mobile payments, Moroku, mortgage, News, OCC, OLPI, Othera, p2p lending, payments, Payscape, RealtyeVest, RECF, Regulation, Sancus Finance, Suretly, Xero, Zopa


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Bhubaneswar: Odisha governor and chancellor of state universities Ganeshi Lal on Friday appointed Bibhuti Bhusan Biswal as vice-chancellor of the Odisha University of Technology and Research (OUTR), formerly College of Engineering and Technology (CET).
Biswal is presently working as director of the National Institute of Technology (NIT) Meghalaya. He has more than 36 years of teaching experience. He will be appointed as OUTR vice-chancellor for a period of four years with effect from the date he assumes office as such or until further orders whichever is earlier.
He has authored three books and successfully guided 24 PhD and 45 PG scholars.
"I have heard that the state government is giving importance to this new technical university and announced funds for its development. It is important for us to effectively spend the money for the growth of the university. It is not a green field university, but an upgraded university. We should bring university culture in our functioning instead of behaving like a college staff," said Biswal.
He said the university will have research infrastructure, faculty members, equipment to support research, laboratory and other related facilities. "I will discuss with the skill development and technical education department secretary about the university and plan accordingly. We will discuss with faculty members and staff on different ideas and work in a team for the development of the institution," he added.
The CET was upgraded into a university following a decision taken by the state cabinet on July 17, 2021. Now the university has more than 4000 students in 26 departments. The university affair was managed by an officer on special duty (OSD) till now. There was a need to appoint a vice-chancellor to take forward the infrastructure works, academic matters, research and development initiatives.