The prevalence of the walk-in urgent care center has grown quite tremendously over the course of recent years. As a matter of fact, the walk-in urgent care center can be found in just about every community, at least in the United States. Currently, there are more than 7,000 such walk-in urgent care locations spread all throughout the country, up from just over 6,000 back in the year of 2015.
If you own a home, then you likely know all that goes into its care and keeping. Home ownership can be a truly complex thing, and one that certainly comes with a great deal of responsibility. However, taking this time and spending the money and making the effort in the care of your home will more than pay off at the end of the day, and will make all of the above incredibly worthwhile in just about all homes all throughout the country.
For instance, the care of your roof is particularly important. Ideally, your roof will be inspected at least once throughout the course of the year, if not even twice. In addition to this, ensuring that your gutters are functioning as they should and professionally cleaned on a regular basis is another must. All of the above will keep your roof in good shape for many a year.
Are You Happy with the Cleaning Service You Currently Use?
The phone call caught you off guard, but when your cleaning lady called to tell you that she had an emergency surgery and would need to take the next month off. At first, it did seem like a big thing. The cleaning services came to your house once every two weeks and you were accustomed to picking up before their arrival. The two week schedule was just right. Few areas of the home, with the exception of the kitchen, required much work on your part during those 14 days between cleaning. When you went a month without the custom cleaning purpose you really noticed a difference.
Your regular cleaning lady is healthy again now and you are glad that you did not find someone else, but the one month break allowed everyone in the family to realize how much you rely on the twice a month cleaning visits.
Choosing the right schooling for your child or children is a big deal, there is certainly no doubting this fact. After all, the schooling that they receive early on in life can end up having an impact on their success later on in college and even in their adult years. Getting them started off right is a must, and it is not always something that is as easy as it should be.
This is all too often the case when it comes to public schools in this country, as public schools are too often underfunded and overcrowded. For many children here in the United States, a public school education falls somewhat short, as such an education allows them to slip through the cracks, so to speak. This can be particularly common in students who are struggling in school, as well as in students who are gifted – basically, it is a risk for any student who falls outside of the average.
The average home has 300,000 items in it and with so many items things become misplaced very easily.
The Daily Mail says that over the course of a lifetime, people spend a time equivalent of about 153 days searching for lost items. What's more, research shows we lose up to nine items every day and nearly 200,000 over the course of a lifetime.
Of the many items that are lost daily and over the course of a lifetime, one of the most common is shoes. According to a survey, 24% of people said shoes were the item they misplace the most.
To cut down on the number of lost shoes, keys and other easily misplaced household items, there are number of options for storage Doing this will not only keep things in order, but will more than likely free up some space in your house.
The average American moves about 12 times in their lifetime and it's a safe bet that a few of those moves see people having to rent an apartment.
If you work in a corporate setting and you're always on the go, short term furnished apartments are an obvious choice when it comes to housing. Short term furnished apartments are great for students too and there are plenty of advantages when choosing this type of housing.
Saving time and money: Let's be honest, moving isn't cheap. Between having to haul your stuff around to outfitting an apartment with furniture and appliances, costs can add up real quick. Short term furnished apartments can take a lot of the frustration and guesswork out of outfitting an apartment.
Chicago is a beautiful city, and one that is home to many people. From the culinary scene to the many colleges and universities throughout, there are many reasons that people decide to move to Chicago. It's a city made up of neighborhoods, after all, and provides the best of big city life with quiet residential peace. For many people, Chicago is the ideal home.
When you're looking at real estate in Chicago, it's likely that you'll consider renting. As to buy a house in this city you'll have to spend a good deal of money indeed. After all, homes for sale don't come cheap in most big cities, and the same holds true for Chicago. Fortunately, the average real estate company in Chicago will be able to connect you to many properties for rent, as rental real estate is hugely common no matter where you might look in the city.


Discussion in 'Stickies/Frequently Asked Questions' started by Ninja_Stoker, Sep 23, 2010.
Eye disease e.g. glaucoma, keratoconus, retinitis pigmentosa. Double vision. Visual field defects. Corneal grafts or recurrent comeal ulcers. Cataract or cataract surgery. Detached retina. Vision only in one eye. Squint surgery in the previous 6 months. Laser eye surgery in the previous 12 months.
Visual acuity to be achieved without correcting lenses Right 6/60, Left 6/60 or worse.
+/-6.00 sphere or cyl both.
Visual acuity to be achieved with correcting lenses EITHER Right 6/6N5, Left 6/24N10 OR Right 6/9N5, Left 6/18N10 OR Right 6/12N5, 6/12N10.
Below VA3, unacceptable for RM or RN service.
VA3 is the minimum acceptable standard for entry as a RM Commando.
Following an in-Service issue where a person was unable to pass the Annual Personal Weapons Test (AWPT) due to the inability to close their left eye independently, all entrants to the Royal Navy and Royal Marines, including their Reserve counterparts, must now have this physical ability checked during the entrance medical.
It is a mandate that all personnel deploying to an operational theatre must have passed the Annual Personal Weapon Test (APWT). To fire an SA80 rifle effectively the user must be able to independently close the LEFT eye. As part of the Entry Medical Examiners are to test for the ability to close the LEFT eye independently. Those unable to do so are unfit for entry.
Standard Test Specification. CP4 is the minimum acceptable entry standard for RM Commandos and is the standard required because of the seagoing role. For most individuals, this will simply be undertaken using the Ishihara (coloured dots) test to grade you CP2 or CP4. Other services may well have lower acceptable colour perception standards worthy of further investigation. Certain specialisations need higher Colour Perception standards than the basic entry level, CP4.
The correct recognition of coloured lights shown through the small paired apertures of the Holmes Wright lantern at LOW brightness at 6 metres distance in complete darkness.
The correct recognition of the first 17 plates of the ISHIHARA test (24 plate abridged Edition 1995 or later) shown at random sequence at a distance of 50 - 100 cm under standard fluorescent lighting supplied by an artificial daylight fluorescent lamp (British Standard 950:1967).
The correct recognition of coloured lights shown through the paired apertures on the Holmes Wright lantern at HIGH brightness at 6 metres distance in complete darkness.
The correct recognition of 13 out of the first 15 Ishihara plates or the correct recognition of colours used in relevant trade situations, and assessed by simple tests with coloured wires, resistors, stationery tabs etc.
1. Ishihara plates are used as a screening for all entries.
2. Candidates who pass the Ishihara test are graded CP2 and require no further testing (except for those whose critical visual task requires a categorisation of CP1). Those who score 13 out of 15 correct are graded CP4.
3.Candidates who fail the Ishihara test are further tested for CP3 or CP4 according to specific trade requirement.
CP 5 Unable to pass any of the above tests.
1. Ishihara plates are to be used as screening for all entries.
2. Candidates who pass the Ishihara test are graded CP2 and require no further testing except for those whose critical visual task requires a categorisation of CP1.
3. Candidates who fail the Ishihara test are further tested for CP3 or CP4 according to requirement.
4. The Holmes Wright Lantern is to be used to discriminate CP1 and CP3. Appropriate trade testing (normally using a wire board and stationary tabs) will discriminate between CP4 and CP5.
a. The test is conducted using only good diffused daylight directly onto the test plates or the alternative illuminant, all other light being excluded.
(20-40 inches) for not more than 5 seconds. The examinee may wear spectacles if appropriate. The winding line plates for illiterates normally need not be presented.
c. Each number is read *text deleted**text deleted** by the examinee. They are not allowed to trace or handle the plates.
d. The number of plates miscalled is recorded in the box on the examination form.
2. Assessment: If no error is made the examinee is graded CP2, but it should be noted that certain numbers might be miscalled by colour normals particularly when under stress. If not more than 3 plates are miscalled, the miscalled plates are shown again. If no errors are made on the second presentation, a grading of CP2 may be given.
Those failing the test will require further assessment with lanterns or trade testing to determine if their colour vision is CP3, 4 or 5.
3. The Holmes-Wright Lantern Test is constructed to simulate in controlled conditions, the critical visual task of seamen. The test is usually performed by approved persons. The lantern is regarded as a form of trade test displaying pairs of vertically arranged lights in a combination of red, green and white. These are viewed at a distance of 6m (20 feet) either by direct vision or mirror reversal, in light surroundings or in total darkness as laid down in current instructions.
The Naval Service does not endorse the use of laser surgery as a method to gain entry and there is no guarantee that such treatment will improve vision to an acceptable standard.
The Naval Service requires individuals to serve anywhere in the world, in extremes of climate and operational situations, which are remote from primary and secondary care.
Therefore, even minor conditions such as the use of correcting lenses can take on much greater significance when even basic support is limited. As a consequence, medical screening is stringent and to a higher standard than might be expected for normal civilian employment. In general, any defect or weakness of sight will be a bar to entry if these defects render an individual incapable of, or likely to be incapable of performing general duties in the Naval Service.
(d) Intrastromal Corneal Rings (ICRs), otherwise known as Intrastromal Segments (ICS). Entry will not be considered for Radical Keratotomy (RK), or Astigmatic Keratotomy (AK), or any other form of incisional refractive surgery, other than those procedures listed above.
(f) Refraction is stable; as defined by two refractions performed on each eye at least 6 months apart, with no more than 0.50 dioptre difference in the spherical equivalent in either eye.
(g) Specialist visual function testing has been carried out with satisfactory results at least 12 months following surgery, including assessment of refraction, symmetry of visual acuity, high and low contrast sensitivity (with and without glare sources) or contrast acuity analysis, astigmatism, glare, corneal clarity, masked mild hypermetropia and night vision.
An applicant who has undergone eyesight corrective laser surgery must supply evidence of the above and may be subject to evaluation by a Service Ophthalmic Consultant. Each case is considered on an individual basis and if all the criteria are met it may be possible to consider an application to enter the Naval Service. Decisions regarding any kind of ophthalmic surgery should be discussed with an Ophthalmic Consultant.
Cheers for this info Ninja its really helpful.
One question about eye surgery, I was just wondering on what the policy on laser eye surgery is when an individual is actually serving?
I am hoping to join up over the next year for the RM Officer 2011 batch, and so dont have time for the 12 month laser surgery wait (I'm currently a low VA2 I believe).
I was however wondering when I am eventually passed out and serving would I be prohibited from getting surgery then? I dont really want to be faffing around with contact lenses in the middle of a dusty desert forever!
I'm fairly sure there are people who undergo laser surgery after joining the service, however the "in-service" policy with regard undergoing private surgery is best advised by the service medical professionals.
I'd guess that most people undergo treatment whilst on leave rather than in the "firm's time" as otherwise the rehabilitation period could be viewed as self-inflicted injury.
Off the top of my head, I think people are medically downgraded for six months post laser correction, but it may be a year. I think the only way people can have it done is from their own funding.
Is that if your in service?
Correct. As Hoofin' alludes, the medical standards for those already serving often differs to the medical standards for entry. Being downgraded whilst serving limits your operational employability.
Thanks for this, this was one of the things I need to clear up before I can apply. Looks like I'm *text deleted**text deleted** be waiting for another year at least before I can apply!
I passed my recruiting test a few weeks back, but hit a dead end when it came to the eye sight test. I was outside of VA3, but do have the option to have laser eye surgery. I'm aware i have to wait a year after its done, but is there a limit to how bad your prescription can be before the surgery is even done?
(e) Refraction is stable; as defined by two refractions performed on each eye at least 6 months apart, with no more than 0.50 diopter difference in the spherical equivalent in each eye.
(f) Specialist visual function testing has been carried out with satisfactory results at least 12 months following surgery, including assessment of refraction, symmetry of visual acuity, high and low contrast sensitivity (with and without glare sources), astigmatism, glare, corneal clarity, masked mild hypermetropia and night vision.
An applicant who has undergone eyesight corrective laser surgery must supply evidence of the above and may be subject to evaluation by a Service Ophthalmic Consultant. Each case is considered on an individual basis and if all the criteria are met it may be possible to consider an application to enter the Naval Service. .
Thanks, that does put me out of the range, as I'm -7.25 and -8, pretty blind, is there any thing else I can, or does that permanently bar me?
And also, at my consultation, the laser eye surgeon said i had an 88% chance of getting 20/20 vision, I dont know if that helps. I have tried my AFCO, but were unsure.
I'm afraid it's a specialist area that AFCO staff are not qualified to answer.
You are advised to ask your AFCO if you may be booked onto an appointment to see the medical examiner for definitive guidance with regard accepted pre-operative eyesight standards.
Thank you for your enquiry regarding eyesight corrective laser surgery (corneal refractive surgery) and the relevant Royal Navy Policy. The Naval Service does not endorse the use of laser surgery as a method to gain entry and there is no guarantee that such treatment will improve vision to an acceptable standard.
The Naval Service requires individuals to serve anywhere in the world, in extremes of climate and operational situations, which are remote from primary and secondary care. Therefore, even minor conditions such as the use of correcting lenses can take on much greater significance when even basic support is limited. As a consequence, medical screening is stringent and to a higher standard than might be expected for normal civilian employment.
In general, any defect or weakness of sight will be a bar to entry if these defects render an individual incapable of, or likely to be incapable of performing general duties in the Naval Service. The tri-Service standard for uncorrected visual acuity is right eye 6/60 and left eye> 6/60.
Entry will not be considered for Radical Keratotomy (RK), or Astigmatic Keratotomy (AK), or any other form of incisional refractive surgery, other than those procedures listed above. All invasive intraocular surgical procedures will remain a bar to entry.
An applicant who has undergone eyesight corrective laser surgery must supply evidence of the above and may be subject to evaluation by a Service Ophthalmic Consultant. Each case is considered on an individual basis and if all the criteria are met it may be possible to consider an application to enter the Naval Service.
Decisions regarding any kind of ophthalmic surgery should be discussed with an Ophthalmic Consultant. This letter should be taken to ophthalmic consultations where eyesight corrective laser surgery is to be discussed with a view to achieving the necessary eyesight standards for entry.
Alternatively, copy, paste & print out the quoted text above & take it to a qualified optician for verification.
hi new to the form. at the moment i have been looking at these contact lenses you wear at night to improve your vision by day. the lense are ment to held reshape tha outer eye to achieve 20/20 vivsion. if you google them the are called ortho k's.
Hi Ninja, I'm guessing you will be pretty busy answering peoples questions that have been boiling up inside for so long due to no forum! I thought I might actually have to ask the AFCO about this one!
My eyes without correcting lenses are better than the standard stated above (R6/5, L6/12). However, with correcting lenses they dont meet the standard (R6/5, L6/9), left eye being the problem.
Do I have to meet the standard for both corrected and uncorrected? Or is it just one or the other?
I get that * means no contacts allowed, but what does *text deleted* and *text deleted** mean?
From what I can gather VA2 means I can do everything except Aircrew, Sniper and LC.
To reach the Visual Acuity standard listed, your eyesight must meet the corrected and uncorrected standards, if they meet one but not the other, you are graded the one below.
The asterix, regardless of the amount, simply means contact lenses not permitted to meet the eyesight standards for that trade. Glasses yes, contacts no.
Just a concern: Is it 12 months before starting the training if you had eye surgery or for the application? It's been 8 months for my eye surgery so far, and was just wondering since I don't really want to wait until early summer time to send my application.
You can start the selection process by sitting the Recruiting Test, but cannot be passed fit at the medical examination & processed further until 12 months have elapsed since laser surgery, if over the age of 22.


I got my dispatch confirmation on 04/04/2014. How long should it take to arrive? - I have not received the ring yet.
Was it your order confirmation or a shipping confirmation? Can you please post the subject of this mail?
James, don't forget to allow for the vagaries of the postal service. If it was the shipping confirmation rather than the order confirmation then allow up to 30 days before starting to worry - the postman does odd things sometimes.
I'll wait and see what happens; hopefully it'll come in the next two weeks. I live in an English city so it shouldn't be too difficult for royal mail.
Still no ring from the post and almost a month has gone by since it was sent to me. I emailed support@nfcring.com on Sunday night. I've not heard any word back yet just confirmation of request (5842).
Please could I have an update as to what happens next?
Ok, I'll bring this to @NFCringTom's attention and we'll see what can be done.
Hi. Another week on I've still not had any rings, emails or replies and am still wondering what's going on... Any news?
Sorry, @sudders, I'll chase someone up for you.
Lokki I'm including a piece about this thread in the next update so traffic may increase.
I received an email saying my Ring has been dispatched on 4/30/14. I received the ring itself on 5/13/14. I live in the U.S. and the ring appeared to be shipped from the U.K.
Just my .02... Works great for me, has been worth the wait!
Hi, i also wanted to share my experience: dispatch confirmation on 05/10/14, received the ring yesterday (05/15/14) from UK to Germany. I think this is great!
Thanks guys, it's extremely helpful to others to know what they should expect!
Is there any way to know from where the ring shipped from? I got my dispatch email for a temp ring 2 days ago, so I'm curious on how long I should expect to wait. Sounds like if from the UK, give or take 2 weeks.
Hi @MikeInSeattle , I'm tempted to say that it shipped from the US distribution center but if it's a temporary ring it may be from the UK, so allow 10 to 14 days to be safe. John might have something to add on that subject in the next update which should be live soon.
Thanks @Lokki , I was crossing my fingers for the US Dist, but alas, I will wait a little longer. I'm glad it shipped, so at least I know it's on its way. I'll look forward to the update.


Glitz and Glam fashion and style for all women!
Alright y'all, it's bathing suit season. Honestly, trying on swim suits can be so intimidating and that's the only time I don't enjoy shopping. Who can relate??
That is why I have searched up a few swimsuits I feel you will LOVE!! Also, all suits are under $100!!
In the first widget, you will find all different styles of bikinis. I feel the style of bikinis look different on all. I am loving the high wasted look though!
In the second widget, you will find a collection of tankinis and full piece suits!
In the third widget, you will find a collection of coverups, hats, beach bags, and more!
Good luck finding the perfect swimsuit for you!!
5 Summer Outfit Ideas from Belk: Stylish Shorts for ALL Women!
Low Calorie/ High Protein German Chocolate Cupcakes!
Shorts for Summer and Fall!


"Lucky 7k, go vSAN!" originally appeared on Yellow-Bricks.com. Follow me on twitter – @DuncanYB.
Posted in 6.5, earnings, q4, Server, Software Defined, Storage, Virtual SAN, VMware, vsan	| Comments Off on Lucky 7k, go vSAN!
Another major milestone, 5000 customers reached for VSAN!
"Another major milestone, 5000 customers reached for VSAN!" originally appeared on Yellow-Bricks.com. Follow me on twitter – @DuncanYB.
Posted in adoption, earnings, Server, Storage, Various, Virtual SAN, VMware, vsan	| Comments Off on Another major milestone, 5000 customers reached for VSAN!


Stalking is a crime that results when a person makes unwanted contact with another party without their consent. Stalking or harassment is a course of conduct where a person tries to make contact with another person even though that other person has made it clear that they want no further contact with the individual.
If you have been charged with stalking in Columbia, it is very important to contact a local criminal lawyer as soon as possible to ensure you receive a strong defense to minimize the penalties you are facing as much as possible.
Any kind of contact with another party that is unwanted can lead to charges associated with stalking. Elements of stalking include the techniques a person uses to try to contact another person; it does not matter what method they use to make contact. The contact could be in person, by telephone, email, social media, or even through a third party. Contact by a third party is where a person tells a family member or friend to pass along messages or information to another party when that person wants no contact or no information from the individual In stalking cases, the person has knowledge and is aware that the other individual wants no contact with them.
Stalking requires intent on the part of the person who commits the act, when they had knowledge that they were not supposed to make contact with the other party, but continued to do so. A misunderstanding is a good defense that can be available to a Columbia stalking attorney and can be presented to a judge to try to have the stalking charges dismissed.
There are a number of things that can be considered harassment in Maryland, and specifically in Columbia. Harassment is usually a course of conduct that involves unwanted communication with another party after someone was instructed to no longer communicate with the other party.
If a person is convicted of harassment charges, they may face an order of protection if the same individual who filed harassment charges against them also determines it is necessary to file an order of protection.
The reason a person files criminal charges in addition to requesting a protective order is because the standard of proof for a harassment charge in court is guilt beyond a reasonable doubt. In many cases, the government is unable to meet that burden of proof in criminal court.
The standard of proof for a protective order is much lower; specifically, it requires a preponderance of the evidence. It is far more likely that a person is awarded protection in a protective order scenario even if their case is not criminally prosecuted in the filing of harassment charges.
Stalking is not actually a charge; harassment is the charge that stalking usually falls under. A person could face penalties including lengthy periods of incarceration as well as periods of probation. Usually, when the stalking charge is coupled with any kind of violence or threats of violence, the charges could be more severe. When making a determination about how to punish somebody who is convicted of stalking in Columbia, a judge also evaluates the surrounding circumstances of the case to determine the level of seriousness.
For example, a person who attempted to contact another person with a message of love might be stalking that person, but is not considered to be committing the crime as seriously as the person who contacts another with threats of violence or hate.
An order of protection is mandated by the court after an individual goes to the court system and explains why they are fearful or feel they are being harassed by another person. A judge reviews the information and evidence and determines by a preponderance of the evidence if the person deserves protection from the other party. The other party is served with the order of protection at that point and has an opportunity to respond before the order is finalized.
A judge often considers where a person needs to be protected, such as their home, their workplace, or both. In certain situations, when there are children in common, issues of custody, alimony, and family support are temporarily established during the course of the order of protection.
Violation of protective orders can also tie in to stalking cases. Oftentimes, when a person is being stalked, they might seek a protective order or a peace order from the court system asking the court to warn the other party in writing and verbally to not have any further contact with the person who initiated the protective order.
If that person is stalked or harassed, they can contact the police or report to the court directly to inform them that a person is violating a court order by having contact with them. In that case, the person is charged with violation of a peace or protective order, if it is verified that they made contact in violation of that court order.
It is important to remember that stalking offenses are criminal offenses that carry the possibility of a lengthy period of probation in addition to the stigma attached to having a criminal record.
Having a Columbia stalking attorney, who understands these penalties and knows the possible defenses and arguments available to you in a case like this, is extremely important to ensure you are properly represented throughout the process of your case. Having an experienced legal advocate on your side has numerous benefits to your case.


text:
Q: Registration Form in Node js using Express and Mongodb I am new to node js, i am following Traversy media's node series which is almost three years old.
I created a registration form, but the issue is that when i submit the form, the page instead of redirecting to the login page prompt with some frontend error (error screenshot). I could not find any solution to this. So please if someone help me.
The relevant screenshots are posted.
Thankyou.
user.js (Route)
const express = require('express')
const router =  express.Router()
const bcrypt = require('bcryptjs')

//User Model
let User = require('../models/user')

// Express Validator Middleware
const { check, validationResult } = require('express-validator/check');

//Register Form
router.get('/register', (req, res)=> {
    res.render('register')
})

//Register Process
router.post('/register', [
    check('name').notEmpty().withMessage('Name is required'),
    check('email').notEmpty().withMessage('Email is required'),
    check('email').isEmail().withMessage('Email is not valid'),
    check('username').notEmpty().withMessage('Username is required'),
    check('password').isEmpty().withMessage('Password is required'),
    check('password2').matches('password').withMessage('Passwords do not match')
], (req, res)=> {
    let user = new User({
        name: req.body.name,
        email: req.body.email,
        username: req.body.username,
        password: req.body.password,
        password2: req.body.password2
    })

    //Get Errors
    const errors = validationResult(req)

    if(errors)
    {
        res.render('register', {
            errors: errors
        })
    }
    else
    {
        user.name = req.body.name;
        user.email = req.body.email;
        user.username = req.body.username;
        user.password = req.body.password;

        bcrypt.genSalt(10, (err, salt)=> {
            bcrypt.hash(user.password, salt, (err, hash)=> {
                if(err)
                {
                    return
                }
                user.password = hash
                user.save((err)=> {
                    if(err)
                    {
                        return
                    }
                    else
                    {
                        req.flash('success', 'You are now registered and can log in!')
                        res.redirect('/users/login')
                    }
                })
            })
        })
    }
})

router.get('/login', (req, res)=> {
    res.render('login')
})

module.exports = router;

* user model *
const mongoose = require('mongoose')

//User Schema
const UserSchema = mongoose.Schema({
    name:{
        type: String,
        reqiured: true
    },
    email:{
        type: String,
        reqiured: true
    },
    username:{
        type: String,
        reqiured: true
    },
    password:{
        type: String,
        reqiured: true
    }
});

const User = module.exports = mongoose.model('User', UserSchema)

* registration form *
extends layout

block content
    h1 Register
    form(action="/users/register", method="post")
        #form-group
            label Name:
            input.form-control(name="name" type="text")
        #form-group
            label Email:
            input.form-control(name="email" type="text")
        #form-group
            label Username:
            input.form-control(name="username" type="text")
        #form-group
            label Password:
            input.form-control(name="password" type="password")
        #form-group
            label Confirm:
            input.form-control(name="password2" type="password")
        br
        input.btn.btn-primary(type='submit', value='Submit')

redpajama_set_name: RedPajamaStackExchange


text:
AstraZeneca and Oxford University say their vaccine is 'highly effective'
Oxford-AstraZeneca has announced a COVID-19 vaccine that is up to 90% effective. [Image source: Pixabay]
The coronavirus vaccine candidate was up to 90% effective, says AstraZeneca.
by Megan Wilson (article) and Milos Kitanovic (video)
Drugmaker AstraZeneca announced on November 23 that its experimental Coronavirus vaccine has shown an average efficacy of 70 percent in its large scale trials -- the latest of several vaccine trials worldwide to post their results this month. The vaccine, developed with the University of Oxford, showed 90 percent efficacy in half a dose of the vaccine followed by a full dose at least one mont apart, and 62 percent efficacy in a second regimen using two full doses on month apart.
The vaccine was developed by the British-Swedish pharmaceutical company AstraZeneca in collaboration with the University of Oxford and is also known as AZD1222.
In September, AstraZeneca has paused all clinical trials of the Covid-19 vaccine it is developing with Oxford university after a participant in the UK section of the study suffered a suspected serious adverse reaction. The UK-based drugmaker voluntarily put the trial on hold after the discovery of the sick participant, who fell ill with a rare inflammatory condition called transverse myelitis, according to two people familiar with the trial. Trial restarted on November 12.
More than 23,000 adults are currently being assessed in the trials, with the number expected to rise to up to 60,000, the statement said. Early results suggested there were 131 cases of Covid-19 among the participants but none was serious.
How do AstraZeneca, Moderna, and Pfizer jabs compare?
Moderna's vaccine has to be stored at minus 20 Celsius, up to a month. Pfizer's should be kept at minus 70 degrees Celsius. However, the Oxford jab is far cheaper and is easier to store and get to every corner of the world than the other two.
"Today marks an important milestone in our fight against the pandemic," AstraZeneca's chief executive, Pascal Soriot, said.
"This vaccine's efficacy and safety confirm that it will be highly effective against Covid-19 and will have an immediate impact on this public health emergency."
Professor Andrew Pollard, the chief investigator of the Oxford Vaccine Trial, said that "these findings show that we have an effective vaccine that will save many lives."
Stock market reaction
Stocks are off to a good start on Wall Street on November 23 after AstraZeneca said that late-stage trials showed that its coronavirus vaccine was up to 90 percent effective.
The S&P 500 rose 0.9 percent in the early going Monday (Nov. 23) following a loss last week. Companies that would benefit the most from a reopening of the economy were among the early winners, including energy producers.
Though there have been positive developments about vaccines, it will be many months before large swathes of the population receive them. In the meantime, virus cases are still rising rapidly and the economic impact is being felt. The US hopes to get 300 million doses by January from its investment program to fast-track a successful vaccine, says the BBC.
But not all countries are in a position to do likewise. Although the pharmaceutical companies will be making the vaccine, they won't be the ones who decide who gets vaccinated first.
AstraZeneca, which has promised not to profit from the vaccine "for the duration of the pandemic," said it will now immediately prepare to submit the data to regulators around the world -- including in the United Kingdom, Europe, and Brazil -- that have a framework in place for conditional or early approval. The company will also seek an emergency use listing from the World Health Organization for an accelerated pathway to vaccine availability in low-income nations.
The partners said Monday that there were no confirmed serious safety events related to the vaccine and that it was well tolerated across different dosing regimens.
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(-) Remove Starting Grant (StG) (7) filter Starting Grant (StG) (7)
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Project acronym EPIFOR
Project Complexity and predictability of epidemics: toward a computational infrastructure for epidemic forecasts
Researcher (PI) Vittoria Colizza
Host Institution (HI) ISTITUTO PER L'INTERSCAMBIO SCIENTIFICO
Summary The advantage provided by the increasingly interconnected nature of our world has generated a dangerous by-product: the possibility for rapid worldwide spread of epidemics. The ability to forecast epidemic evolution – as much accurately as we can now do for weather conditions – would be of invaluable help in fighting the emergence or re-emergence of viruses such as SARS, avian influenza, HIV-AIDS, Lyme disease, West Nile virus, or more recently the threat of an influenza pandemic. With the advent of interdisciplinary tools and methods, the latest modeling approaches for the study of the spread and control of infectious diseases witness the emergence of a new area of research – computational epidemiology – that integrates mathematical and statistical epidemiology with computational sciences and informatics tools to conduct scenario analysis in public health domain. While few research groups have begun to use large scale simulations for epidemic modeling, many fundamental theoretical questions are left unanswered. How does the complex nature of real world affect our predictive capabilities in the realm of computational epidemiology? What are the fundamental limits in epidemic evolution predictability with computational modeling? How do they depend on the level of accuracy of our description and knowledge of the state of the system? The present project aims at developing a vigorous research effort along two main directions corresponding to i) the formulation of models for the basic theoretical understanding of multi-scale and agent based approaches and their predictive power; ii) the development of computational approaches and data integration tools that will provide a realistic modeling framework for the analysis of observed epidemic outbreaks and the forecast of patterns of emerging diseases. The ERC Starting Independent Researcher Grant offers an ideal opportunity to start a structured program in this direction, aimed at providing fundamental advances in the field.
The advantage provided by the increasingly interconnected nature of our world has generated a dangerous by-product: the possibility for rapid worldwide spread of epidemics. The ability to forecast epidemic evolution – as much accurately as we can now do for weather conditions – would be of invaluable help in fighting the emergence or re-emergence of viruses such as SARS, avian influenza, HIV-AIDS, Lyme disease, West Nile virus, or more recently the threat of an influenza pandemic. With the advent of interdisciplinary tools and methods, the latest modeling approaches for the study of the spread and control of infectious diseases witness the emergence of a new area of research – computational epidemiology – that integrates mathematical and statistical epidemiology with computational sciences and informatics tools to conduct scenario analysis in public health domain. While few research groups have begun to use large scale simulations for epidemic modeling, many fundamental theoretical questions are left unanswered. How does the complex nature of real world affect our predictive capabilities in the realm of computational epidemiology? What are the fundamental limits in epidemic evolution predictability with computational modeling? How do they depend on the level of accuracy of our description and knowledge of the state of the system? The present project aims at developing a vigorous research effort along two main directions corresponding to i) the formulation of models for the basic theoretical understanding of multi-scale and agent based approaches and their predictive power; ii) the development of computational approaches and data integration tools that will provide a realistic modeling framework for the analysis of observed epidemic outbreaks and the forecast of patterns of emerging diseases. The ERC Starting Independent Researcher Grant offers an ideal opportunity to start a structured program in this direction, aimed at providing fundamental advances in the field.
Project acronym IVM-VIRUS-NAB
Project In vivo dynamics of antibody responses to lymph-borne viruses
Researcher (PI) Matteo Iannacone
Host Institution (HI) UNIVERSITA VITA-SALUTE SAN RAFFAELE
Summary Objective. Our objective is to elucidate how neutralizing antibody (nAb) responses against live viruses are generated in vivo within lymph nodes (LNs). To this end we will make use of state-of-the-art imaging technology (i.e. multiphoton intravital microscopy [MP-IVM]), fluorescent replication-competent viruses and dedicated mouse models. Background/Rationale. nAbs are critical for virus control, prevention of re-infection and protection conferred by available vaccines. Thanks to the recent advent of MP-IVM, several cellular and molecular events by which LNs orchestrate humoral immune responses have been clarified. As none of these studies employed live viruses, further work is required to extend these results to a more relevant natural setting. Also, the mechanisms by which cytopathic viruses (e.g. rabies virus in humans and vesicular stomatitis virus [VSV] in mice) induce early high affinity nAb responses while non-cytopathic viruses (e.g. hepatitis C virus in humans and lymphocytic choriomeningitis virus [LCMV] in mice) fail to do so remain poorly understood. Our rationale is based on the notion that, by bringing together unique reagents and advanced technology, we can - at last - address these issues experimentally. Description of the project. The spatial and temporal constraints whereby virus-specific naïve B cells encounter viral antigen, interact with different LN cells and differentiate into plasma cells will be dynamically dissected in the various LN sub-compartments of mice infected with live cytopathic (VSV) and non-cytopathic (LCMV) viruses. Anticipated output. We will provide the first complete in vivo imaging survey of virus-specific B cell activation, from the first minutes of viral entry into LNs to the generation of high affinity nAb-secreting cells. We will also identify virus-induced mechanisms interfering with nAb responses. This new knowledge will provide insight into aspects of viral immunity that may lead to novel rational vaccine strategies.
Objective. Our objective is to elucidate how neutralizing antibody (nAb) responses against live viruses are generated in vivo within lymph nodes (LNs). To this end we will make use of state-of-the-art imaging technology (i.e. multiphoton intravital microscopy [MP-IVM]), fluorescent replication-competent viruses and dedicated mouse models. Background/Rationale. nAbs are critical for virus control, prevention of re-infection and protection conferred by available vaccines. Thanks to the recent advent of MP-IVM, several cellular and molecular events by which LNs orchestrate humoral immune responses have been clarified. As none of these studies employed live viruses, further work is required to extend these results to a more relevant natural setting. Also, the mechanisms by which cytopathic viruses (e.g. rabies virus in humans and vesicular stomatitis virus [VSV] in mice) induce early high affinity nAb responses while non-cytopathic viruses (e.g. hepatitis C virus in humans and lymphocytic choriomeningitis virus [LCMV] in mice) fail to do so remain poorly understood. Our rationale is based on the notion that, by bringing together unique reagents and advanced technology, we can - at last - address these issues experimentally. Description of the project. The spatial and temporal constraints whereby virus-specific naïve B cells encounter viral antigen, interact with different LN cells and differentiate into plasma cells will be dynamically dissected in the various LN sub-compartments of mice infected with live cytopathic (VSV) and non-cytopathic (LCMV) viruses. Anticipated output. We will provide the first complete in vivo imaging survey of virus-specific B cell activation, from the first minutes of viral entry into LNs to the generation of high affinity nAb-secreting cells. We will also identify virus-induced mechanisms interfering with nAb responses. This new knowledge will provide insight into aspects of viral immunity that may lead to novel rational vaccine strategies.
Project acronym menTORingTregs
Project Unravelling paradoxes in regulatory T cell biology: the molecular basis for an mTOR-dependent oscillatory metabolic switch controlling immune tolerance and autoimmunity
Researcher (PI) Giuseppe Matarese
Host Institution (HI) CONSIGLIO NAZIONALE DELLE RICERCHE
Summary Our group has been investigating how the nutrient/energy-sensing mammalian target of rapamycin (mTOR)-pathway affects the responsiveness of CD4+CD25+FoxP3+ regulatory T cells (Tregs). We have shown that Tregs have a high metabolic profile associated with the hyperactivation of the mTOR-pathway, which is responsible for the in vitro anergy of these cells. A transient mTOR inhibition with rapamycin, before T-cell-receptor (TCR)-stimulation, induced Tregs proliferation in the absence of exogenous interleukin-2 (IL-2). While a transient mTOR inhibition was necessary to allow Tregs to enter the cell cycle upon TCR-engagement, proliferating Tregs increased the levels of activation of mTOR to sustain their own expansion overtime. These data indicated that the metabolic state influences Tregs fate and the responsiveness to TCR stimulation in a dynamic/oscillatory fashion through the mTOR-pathway. The results also suggested a new mechanism of regulation between metabolism and immune tolerance in the Tregs in which mTOR could be activated under physiological conditions in response to changes of the energy status. In the current project, we intend to further dissect the relationship between mTOR oscillating activity and Tregs responsiveness. We aim to dissect the molecular and cellular events that govern the responsiveness of Tregs in vitro and in vivo, and address the associated apparent paradoxes: 1)Why Tregs have high proliferation in vivo but are hyporesponsive to TCR stimulation in vitro? 2)Why the current strategies to facilitate the in vitro expansion of hyporesponsive Tregs require high doses of IL-2 together with rapamycin, which is a strong inhibitor of cell growth and proliferation? The conclusion of the studies proposed in this application will unravel important questions on the biology of Tregs and will have significant implication for furthering the understanding of basic mechanisms governing immune tolerance and autoimmunity.
Our group has been investigating how the nutrient/energy-sensing mammalian target of rapamycin (mTOR)-pathway affects the responsiveness of CD4+CD25+FoxP3+ regulatory T cells (Tregs). We have shown that Tregs have a high metabolic profile associated with the hyperactivation of the mTOR-pathway, which is responsible for the in vitro anergy of these cells. A transient mTOR inhibition with rapamycin, before T-cell-receptor (TCR)-stimulation, induced Tregs proliferation in the absence of exogenous interleukin-2 (IL-2). While a transient mTOR inhibition was necessary to allow Tregs to enter the cell cycle upon TCR-engagement, proliferating Tregs increased the levels of activation of mTOR to sustain their own expansion overtime. These data indicated that the metabolic state influences Tregs fate and the responsiveness to TCR stimulation in a dynamic/oscillatory fashion through the mTOR-pathway. The results also suggested a new mechanism of regulation between metabolism and immune tolerance in the Tregs in which mTOR could be activated under physiological conditions in response to changes of the energy status. In the current project, we intend to further dissect the relationship between mTOR oscillating activity and Tregs responsiveness. We aim to dissect the molecular and cellular events that govern the responsiveness of Tregs in vitro and in vivo, and address the associated apparent paradoxes: 1)Why Tregs have high proliferation in vivo but are hyporesponsive to TCR stimulation in vitro? 2)Why the current strategies to facilitate the in vitro expansion of hyporesponsive Tregs require high doses of IL-2 together with rapamycin, which is a strong inhibitor of cell growth and proliferation? The conclusion of the studies proposed in this application will unravel important questions on the biology of Tregs and will have significant implication for furthering the understanding of basic mechanisms governing immune tolerance and autoimmunity.
Project acronym NCRNAS-SPLICING-FSHD
Project Aberrant gene expression and muscular dystrophy: role of non-coding RNAs and alternative splicing in the pathogenesis and potential therapies
Researcher (PI) Davide Gabellini
Host Institution (HI) OSPEDALE SAN RAFFAELE SRL
Summary Our goal is to characterize the molecular pathogenesis of facioscapulohumeral muscular dystrophy (FSHD) in order to develop possible therapeutic approaches. FSHD is the third most important myopathy. Currently, no therapeutic treatment is available for FSHD. Unlike the majority of genetic diseases, FSHD is not caused by mutation in a protein-coding gene. Instead, FSHD is the result of a complex epigenetic cascade activated by deletion of a 3.3 kb subtelomeric non-coding repeat (D4Z4) located on chromosome 4q35. D4Z4 appears to be required for maintaining proper chromatin structure at 4q35 and its deletion causes de-repression of several 4q35 genes. Recently, we found that FSHD is caused by over-expression of the 4q35 gene FRG1 and we generated the first animal model of the disease. Our specific aims are: 1. To elucidate the mechanism underlying control of gene expression at 4q35. Our preliminary results suggest that non-coding RNAs and micro-RNAs generated by D4Z4 regulate chromatin structure and 4q35 genes expression. Our analysis will generate novel insights into the biological role of repetitive DNA sequences in higher eukaryotes. 2. To identify the pathways affected by FRG1 over-expression. We have recently found that FRG1 over-expression causes aberrant alternative splicing of selective genes. Using splicing-sensitive microarrays we will identify FRG1-dependent alternatively spliced transcripts and validate them using the FSHD mouse model. Our studies will elucidate the role of alternative splicing in the pathogenesis and will identify targets for therapeutic purposes. 3. To search for a possible therapy for FSHD. Based on our finding, we propose independent strategies aimed at controlling FRG1 activity to interfere with the progression of muscular dystrophy. In summary, our studies will provide relevant information to understand the molecular basis of FSHD and will help the development of effective therapeutic strategies.
Our goal is to characterize the molecular pathogenesis of facioscapulohumeral muscular dystrophy (FSHD) in order to develop possible therapeutic approaches. FSHD is the third most important myopathy. Currently, no therapeutic treatment is available for FSHD. Unlike the majority of genetic diseases, FSHD is not caused by mutation in a protein-coding gene. Instead, FSHD is the result of a complex epigenetic cascade activated by deletion of a 3.3 kb subtelomeric non-coding repeat (D4Z4) located on chromosome 4q35. D4Z4 appears to be required for maintaining proper chromatin structure at 4q35 and its deletion causes de-repression of several 4q35 genes. Recently, we found that FSHD is caused by over-expression of the 4q35 gene FRG1 and we generated the first animal model of the disease. Our specific aims are: 1. To elucidate the mechanism underlying control of gene expression at 4q35. Our preliminary results suggest that non-coding RNAs and micro-RNAs generated by D4Z4 regulate chromatin structure and 4q35 genes expression. Our analysis will generate novel insights into the biological role of repetitive DNA sequences in higher eukaryotes. 2. To identify the pathways affected by FRG1 over-expression. We have recently found that FRG1 over-expression causes aberrant alternative splicing of selective genes. Using splicing-sensitive microarrays we will identify FRG1-dependent alternatively spliced transcripts and validate them using the FSHD mouse model. Our studies will elucidate the role of alternative splicing in the pathogenesis and will identify targets for therapeutic purposes. 3. To search for a possible therapy for FSHD. Based on our finding, we propose independent strategies aimed at controlling FRG1 activity to interfere with the progression of muscular dystrophy. In summary, our studies will provide relevant information to understand the molecular basis of FSHD and will help the development of effective therapeutic strategies.
Project acronym NEUROTRAFFICKING
Project Molecular mechanisms controlling leukocyte trafficking in the central nervous system
Researcher (PI) Gabriela Constantin
Host Institution (HI) UNIVERSITA DEGLI STUDI DI VERONA
Summary Multiple sclerosis (MS) and its animal model experimental autoimmune encephalomyelitis (EAE) represent the prototype of autoimmune chronic inflammatory diseases of the central nervous system (CNS). Migration of activated T cells across the blood-brain barrier represents a critical step in the pathogenesis of MS and EAE, and inhibition of lymphocyte trafficking in the CNS represents a powerful therapeutic approach in MS patients as well as in animal models of this disease. In recent years growing evidence show that immune cells and inflammation mechanisms play an unexpected role in other neurological diseases such as epilepsy. Our team has recently shown that seizures induce vascular inflammation and enhanced neutrophil and T cell adhesion in brain vessels. Inhibition of leukocyte-vascular interactions dramatically reduced seizures in an experimental model of epilepsy, suggesting leukocyte-endothelial interaction as a potential target for the prevention and treatment of epilepsy. The main goal of this project is to study the mechanisms controlling immune cell trafficking in neurological diseases such as MS and epilepsy in which inflammation has a detrimental role. We will first study novel molecular mechanisms controlling leukocyte-endothelial interactions in CNS microcirculation taking advantage of our established expertise in intravital microscopy studies. Leukocyte trafficking will be further followed inside CNS parenchyma by using two-photon microscopy, which will allow us to characterize leukocyte migration Overall, NEUROTRAFFICKING will generate fundamental knowledge to the understanding of the role of immune system in neurological disease and will unveil novel potential therapeutic targets for CNS inflammatory pathologies.
Multiple sclerosis (MS) and its animal model experimental autoimmune encephalomyelitis (EAE) represent the prototype of autoimmune chronic inflammatory diseases of the central nervous system (CNS). Migration of activated T cells across the blood-brain barrier represents a critical step in the pathogenesis of MS and EAE, and inhibition of lymphocyte trafficking in the CNS represents a powerful therapeutic approach in MS patients as well as in animal models of this disease. In recent years growing evidence show that immune cells and inflammation mechanisms play an unexpected role in other neurological diseases such as epilepsy. Our team has recently shown that seizures induce vascular inflammation and enhanced neutrophil and T cell adhesion in brain vessels. Inhibition of leukocyte-vascular interactions dramatically reduced seizures in an experimental model of epilepsy, suggesting leukocyte-endothelial interaction as a potential target for the prevention and treatment of epilepsy. The main goal of this project is to study the mechanisms controlling immune cell trafficking in neurological diseases such as MS and epilepsy in which inflammation has a detrimental role. We will first study novel molecular mechanisms controlling leukocyte-endothelial interactions in CNS microcirculation taking advantage of our established expertise in intravital microscopy studies. Leukocyte trafficking will be further followed inside CNS parenchyma by using two-photon microscopy, which will allow us to characterize leukocyte migration Overall, NEUROTRAFFICKING will generate fundamental knowledge to the understanding of the role of immune system in neurological disease and will unveil novel potential therapeutic targets for CNS inflammatory pathologies.
Project acronym PERSYST
Project Generation and maintenance of long-lived memory T cells in humans
Researcher (PI) Enrico Lugli
Host Institution (HI) HUMANITAS MIRASOLE SPA
Summary Defining the molecular mechanisms governing memory T cell differentiation and homeostasis is of pivotal importance to generate durable and protective T cell responses against infections and cancers. Considerable knowledge in this regard has been acquired in mouse models but is still limited about human T cells. In particular, some mechanisms are assumed to occur in humans but were never formally demonstrated. We showed that memory T cells adoptively-transferred with bone marrow transplantation failed to persist in recipient hosts in the absence of antigen. By contrast, self/tumor-specific naïve T cells rapidly acquired T memory stem cell (TSCM) attributes and subsequently reconstituted the memory T cell pool by homeostatic differentiation. Current models indicate human TSCM cells as superior to conventional memory T cells in regards to effector potential and persistence capacity. Genome-wide expression analysis identified candidate TSCM cell-specific transcriptional regulators that were shown to inhibit senescence, promote self-renewal and regulate somatic differentiation. In this project, by using single cell technologies, primary human samples and in vivo humanized models, we will define the molecular mechanisms at the basis of memory T cell formation and maintenance in humans. We will initially define the antigenic requirement for the long-term persistence of memory T cells by following the fate of adoptively-transferred T cells. As the field remains unexplored, we will investigate the acquisition of memory attributes by self/tumor-specific T cells on multiple functional levels. The gene products specifically expressed by self-renewing TSCM cells will be finally tested for their capability to arrest T cell differentiation and generate long-lived memory T cells with enhanced stem cell-like properties. Our results will impact multiple physiological and pathological situations involving T cell-mediated immune responses.
Defining the molecular mechanisms governing memory T cell differentiation and homeostasis is of pivotal importance to generate durable and protective T cell responses against infections and cancers. Considerable knowledge in this regard has been acquired in mouse models but is still limited about human T cells. In particular, some mechanisms are assumed to occur in humans but were never formally demonstrated. We showed that memory T cells adoptively-transferred with bone marrow transplantation failed to persist in recipient hosts in the absence of antigen. By contrast, self/tumor-specific naïve T cells rapidly acquired T memory stem cell (TSCM) attributes and subsequently reconstituted the memory T cell pool by homeostatic differentiation. Current models indicate human TSCM cells as superior to conventional memory T cells in regards to effector potential and persistence capacity. Genome-wide expression analysis identified candidate TSCM cell-specific transcriptional regulators that were shown to inhibit senescence, promote self-renewal and regulate somatic differentiation. In this project, by using single cell technologies, primary human samples and in vivo humanized models, we will define the molecular mechanisms at the basis of memory T cell formation and maintenance in humans. We will initially define the antigenic requirement for the long-term persistence of memory T cells by following the fate of adoptively-transferred T cells. As the field remains unexplored, we will investigate the acquisition of memory attributes by self/tumor-specific T cells on multiple functional levels. The gene products specifically expressed by self-renewing TSCM cells will be finally tested for their capability to arrest T cell differentiation and generate long-lived memory T cells with enhanced stem cell-like properties. Our results will impact multiple physiological and pathological situations involving T cell-mediated immune responses.
Project acronym RESCARF
Project Renal stem cells: possible role in kidney pathologies and as new theraputic tools
Researcher (PI) Paola Romagnani
Host Institution (HI) UNIVERSITA DEGLI STUDI DI FIRENZE
Summary Chronic Kidney Disease (CKD) affects 11% of the adult population and is considered by the WHO as one of the health emergencies of the 21st century. Although cell therapy might be beneficial for CKD, human stem cells that might be used to improve kidney function were so far unknown. Recently, we demonstrated the existence of resident stem cells in the urinary pole of the Bowman's capsule of adult human kidney and therefore named as adult parietal epithelial multipotent progenitors (APEMP). Injection of APEMP in SCID mice affected by acute renal failure, induced regeneration of tubular structures and reduced morphological and functional kidney damage. More recently, we found that APEMP are highly represented in embryonic kidneys and constitute the common progenitor of tubular cells and podocytes. The first aim of this project is to assess the regenerative properties of APEMP in in vivo models of glomerular injury and their potential use as a novel therapeutic tool to prevent the deterioration of kidney function in chronic renal failure. Second, we will try to identify the mechanisms that regulate the growth, survival, differentiation, and migration of APEMP, which is critical to set up cell therapies of renal injury which should be effective and safe. To this end, the role of different molecular pathways such as Sonic hedgehog, Wnt/beta-catenin, Notch, TGF-beta/BMP and of CXCR4, CXCR7 or CXCR3-B chemokine receptors in the regenerative activity of APEMP will be investigated. Third, to assess whether APEMP directly contribute to kidney regeneration after glomerular or tubular damage, transgenic animals in which APEMP are genetically tagged will be generated. Fourth, by using transgenic animals we will try to understand if an alteration of APEMP growth and/or differentiation is implicated in the pathogenesis of some renal disorders that frequently progress towards end stage renal disease.
Chronic Kidney Disease (CKD) affects 11% of the adult population and is considered by the WHO as one of the health emergencies of the 21st century. Although cell therapy might be beneficial for CKD, human stem cells that might be used to improve kidney function were so far unknown. Recently, we demonstrated the existence of resident stem cells in the urinary pole of the Bowman's capsule of adult human kidney and therefore named as adult parietal epithelial multipotent progenitors (APEMP). Injection of APEMP in SCID mice affected by acute renal failure, induced regeneration of tubular structures and reduced morphological and functional kidney damage. More recently, we found that APEMP are highly represented in embryonic kidneys and constitute the common progenitor of tubular cells and podocytes. The first aim of this project is to assess the regenerative properties of APEMP in in vivo models of glomerular injury and their potential use as a novel therapeutic tool to prevent the deterioration of kidney function in chronic renal failure. Second, we will try to identify the mechanisms that regulate the growth, survival, differentiation, and migration of APEMP, which is critical to set up cell therapies of renal injury which should be effective and safe. To this end, the role of different molecular pathways such as Sonic hedgehog, Wnt/beta-catenin, Notch, TGF-beta/BMP and of CXCR4, CXCR7 or CXCR3-B chemokine receptors in the regenerative activity of APEMP will be investigated. Third, to assess whether APEMP directly contribute to kidney regeneration after glomerular or tubular damage, transgenic animals in which APEMP are genetically tagged will be generated. Fourth, by using transgenic animals we will try to understand if an alteration of APEMP growth and/or differentiation is implicated in the pathogenesis of some renal disorders that frequently progress towards end stage renal disease.


FERNANDO TORRES made his return to the pitch two weeks after his horror injury left him hospitalised.
The former Liverpool and Chelsea striker came on as a second half sub as Atletico Madrid beat Sevilla 3-1 at the Vicente Calderon.
Torres was knocked out after a head collision at the start of March - team-mates had rushed to stop him swallowing his tongue on the pitch.
The striker, 32, was taken to hospital where he was later given the all-clear.
Torres was released from hospital a day later and was told not to return to training for at least another 24 hours.
Torres was on the bench for the Champions League game against Bayer Leverkusen but was not brought on.
Atletico Madrid boss Diego Simeone gave Torres his return against Sevilla.
Los Rojiblancos were already 2-0 up when Torres made his way onto the pitch, Diego Godin and Antoine Griezmann on target for the home side.
Torres received a massive ovation from the home fans after coming on.
Atletico Madrid closed the gap on Sevilla with the win, Koke also scored before Joaquin Correa scored a consolation.
Simeone's team are now two points off Sevilla in third place.


Love French food? French wine? French life? So do I. However, what I thought of as French was actually mostly Parisian. That is, until this month where I learned of a festival called "À la carte Chicago" that celebrates the many flavors of France. After doing some research, I came into contact with the DOPFF & IRION team who were visiting for a few days. Through that, I got to spend a lovely evening with them and others over dinner, learning about the Alsace region through its food and wine.
We all gathered around 7pm in the highly-acclaimed 40th floor restaurant that is EVEREST. Everest's Chef Joho is from Alsace; and along with him, Access Alsace and Dopff & Irion, we were wined and dined through a 5 course menu that showcased the region. Alsace is known for it's great wine (whites. in particular) and comforting dishes that warm the soul.
Dopff & Irion, located in Riquewihr, was established in 1945 and quickly became one of the best and most popular producers from the region. The origins of the two families date back to the 15th century. Due to the climate of the region, Alsace is especially well suitedto vine-growing. The terroir is made up of over 20 different soils which allows many different grape varieties to be cultivated. We were privileged to taste the varietals… even a vintage from 1969! Now, let's walk through the courses as well as the wine paired with each. Actually, 2 of the 5 courses had 2 wine pairings!
Needless to say, this entire dinner was special. The food highlighted classic Alsatian ingredients, as well as cooking techniques. Each dish was so well executed, and while each plate here was very refined, each bite was a bite of comfort food.
Opening up the meal with foie was a hint of what was to come after. The favorite dishes at our table were the lobster (second course) and veal tenderloin (main course). The lobster was placed on a Gewurztraminer butter that was divine. The wine pairing there, a Gewurztraminer naturally, was a perfect compliment to the sweet lobster.
My favorite dish was the veal tenderloin entree. It was the only course paired with a red wine – the 2010 Pinot Noir. A perfect comfort food pairing that I thoroughly enjoyed (as was noted by my empty plate at the end).
I'm not a wine connoisseur by any means, but I have to speak about the very special glass of 1969 Riesling we had the pleasure of tasting. I would've expected a deeper color and notes to it, but it was quite crisp! In fact, the 2010 also served with that course seemed more like the vintage in terms of color alone. If all vintages are as great as this 1969 we had, I can understand why wine lovers search the world for bottles to add to their collections.
Not to be left out of this post is the classic saying that while the food and wine were great, the company was truly the best. We had a wonderful group of people at our table who chatted away and laughed heartily all night long as if we were old friends. It was a crappy, rainy Friday night in Chicago made special with this dinner.


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RCEP and Vietnam: New Opportunities for Investors
The Regional Comprehensive Economic Partnership (RCEP) agreement will officially come into force from January 1, 2022, as per the Ministry of Industry and Trade (MoIT). It comes as Australia and New Zealand became the latest member states to ratify the agreement. Other countries that have ratified RCEP include Brunei, Cambodia, Laos, Singapore, Thailand, Vietnam, China, and Japan. Prior to that, 15 countries, including all ASEAN members, Australia, China, Japan, South Korea, and New Zealand signed the RCEP on November 15, 2020. The free trade agreement is seen as the world's largest trading bloc. The deal has been in the works for over eight years and was signed virtually at the ASEAN Summit. The RCEP leaves the door open for India, which withdrew from the trade pact due to disagreements over agricultural tariffs. While China is a party to a number of bilateral trade agreements, this is the first time it has signed up to a regional multilateral trade pact. Just like the EU-Vietnam free trade agreement (EVFTA), the UK-Vietnam free trade agreement (UKVFTA), and the Comprehensive and Progressive Agreement for Trans-Pacific Partnership CPTPP, the RCEP will reduce tariffs and set trade rules, and help link supply chains, particularly as governments grapple with COVID-19 effects. The FTA is expected to cover all aspects of the business including trade, services, e-commerce, telecommunications, and copyright though negotiations over some aspects still need to be finalized. Tariffs are expected to be reduced within 20 years. The RCEP sets the tone for future trade in ASEAN. It will further build on previous trade agreements within ASEAN but also include first-time agreements with other countries such as Japan and South Korea. In this context, trade within ASEAN may be negligible. The RCEP: Key stats The RCEP covers a market of 2.3 billion people and US$26.2 trillion in global output. This accounts for about 30 percent of the population worldwide and over a quarter of world exports. Like several of Vietnam's FTAs, the RCEP is a modern trade agreement taking countries of different sizes, populations, and GDP into account. Documents from the World Bank forecast that countries part of the RCEP will see GDP increase by 1.5 percent. Economists note that the deal could add almost US$200 billion to the global economy by 2030. Nevertheless, it is important to note that it will take years to see the benefits of the RCEP and it may not be as significant as the CPTPP and EVFTA for Vietnam.
Opportunities for Vietnam The RCEP was signed at the ASEAN Summit hosted by Vietnam. Fitch Solutions notes that for Vietnam, major export categories that are expected to benefit include IT, footwear, agriculture, automobiles, and telecommunications. The FTA would help Vietnam access large consumer markets double the size of those included in the CPTPP. As Vietnam moves to become a high-tech manufacturer, the RCEP can help local firms increase exports and attract high-quality goods for its consumers. In addition, with the demand for Vietnam's exports like agriculture and fisheries products, Vietnam is set to benefit. In addition, the simplification of procedures such as customs and rules of origin will help reduce bureaucracy allowing more SMEs to participate. SMEs account for 98 percent of all enterprises in Vietnam, contributing to 40 percent of GDP, and thus the RCEP presents significant opportunities for Vietnamese SMEs to move up the value chain. For investors operating across ASEAN, China, and other regions – RCEP offers good news. Streamlined customs procedures, unified rule of origin, and improved market access will make investing in multiple locations – a much more viable and attractive investment strategy and likely bring "China + 1" business models to the fore. The common rule of origin will lower costs for companies with supply chains that span across Asia and may encourage multinationals to RCEP countries to establish supply chains across the bloc, thus growing the global value chain activity in the region. Rules of origin Guidelines on rules of origin may also have a significant impact. For example, as described in our previous articles, rules of origin can be complex and require careful examination to qualify for preferential tariffs with member countries already having guidelines on rules of origins. But the RCEP simplifies this. Under the FTA all member countries would be treated equally, which also gives investors incentives to look for suppliers within the trade bloc. For example, previously, a product made in Vietnam but with parts from South Korea may face tariffs somewhere else in the ASEAN free trade zone, but with the RCEP in effect, the product would qualify to meet rules of origin guidelines. With Vietnam sourcing a significant portion of its production inputs from countries like China and South Korea, which were earlier not part of trade pacts, it stands to benefit and further enjoy preferential tariffs. A single rule of origin document would be sufficient to cover all RCEP countries. Therefore, the RCEP should also help in reducing manufacturing costs and make life easier for companies by letting them export products anywhere within the bloc without meeting separate requirements for each country. Nevertheless, analysts have also noted that once the RCEP takes effect, Vietnamese businesses would face competition both domestically and for export markets as well. Plan ahead for January 2022 Investors looking to take advantage of manufacturing in Asia should study the FTA text carefully to learn about the advantages. Manufacturers in more advanced countries such as China, South Korea, and Japan can look at how to minimize costs by outsourcing final processing in less developed ASEAN countries to benefit. This will also help in transferring know-how technology to bring operations of less developed countries up to speed by leveling the playing field. Source: Asia Briefing


Trinity has been in the community for nearly 100 years. We have over 300 families dedicated to sharing the love of Jesus among our membership, in our community, in our school and throughout the world. In addition to weekend worship (Sundays at 9am and Mondays at 6:30pm), we offer several Bible classes, children's Sunday School, a youth group for teens, various social activities for various age groups and we operate a Lutheran elementary school serving preschool (3 and 4 years olds) through eighth grade.


BizCardSwapper is a little program to let you exchange business card information with your friends and colleagues, even ones that don't have an iPhone!
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Maths

    Dealing with super big numbers!
    Programs involving fibonacci numbers.
    Solutions to problems involving various series
    Solutions to problems involving game theory
    Problems set for GCSE-level students
    A test looking into generating a flat distribution over time

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The Mingei Craft Book is a fully illustrated 12-page booklet which contains 10 projects with easy to follow instructions. This book demonstrates some of the fine paper crafts of Asia while being great for all ages and skill levels. It also contains some very informative definitions and terms used for Washi paper which is the primary supply used in this book. Some of the popular projects included in this book are the Paper Beads, Kimono Pin, Ghost Paper Book, Kami Pocket Necklace, Passport Holder, and Note Pad Holder. Finished projects make wonderful gifts.


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Brusnik ist ein Dorf in der Opština Zaječar in Serbien mit rund 300 Einwohnern.

Demographie
Die Bevölkerung ist seit Ende des Zweiten Weltkriegs ständig zurückgegangen.

Infrastruktur

Verkehr
Der Bahnhof liegt etwas außerhalb des Ortes – etwa 2 englische Meilen ostsüdöstlich des Dorfzentrums – an der Bahnstrecke Crveni Krst–Prahovo Pristanište. 2023 verkehren hier täglich zwei Zugpaare zwischen Zaječar und Prahovo; ein drittes Zugpaar endet werktäglich in Negotin.

Töchter der Stadt

 Vera Radosavljević Nada (1922–1943), Partisanin und jugoslawische Nationalheldin.

Belege

Ort in der Opština Zaječar

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Boots, Leather, Fur…YES PLEASE!!! I was counting down the days that my Floridian toes would be back in Colorado and back into a pair of boots. I always struggle with the month of August because I am ready to put away my summer pieces and bring out everything Fall. The weather couldn't of been more perfect. 70-80's during the day and 50's at night. So bring on the layering pieces! The first night I wore a black Kendal and Kylie mesh body suit paired with some JBrand black waxed shorts (I purchased at least 5 years ago), black suede Rachel Zoe over the knee boots, (purchased those when I purchased the shorts) & topped the outfit off with a 525 America fur vest. It was the perfect outfit for dinner in Vail.
STYLE TIP: Don't be afraid to pull out that fur topper even when it's not dead of winter, some of the best outfits are created by layering pieces. Also this look can be rocked again when it's much colder, just add tights and layer a coat over your fur vest.


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Jack Daniel's Old No. 7 Tennessee Whiskey with Cinch Sack Gift Pack
by Jack Daniel's |
Gift pack includes a 1.75 L Jack Daniel's Whiskey and a cinch sack
Crafted in Tennessee
American's oldest distillery
Charcoal-mellowed for smoothness
Get an authentic taste of Tennessee with Jack Daniel's® Old No. 7 Tennessee Whiskey (1.75 L). Jack Daniel's No. 7 is the best selling whiskey in the world, and for good reason. It is carefully distilled each and every day to impart that signature sweetness accompanied by a mellow smoothness that only Jack Daniel's can deliver. Whether you are stocking your bar at home or just need a bottle of something everyone can enjoy, reach for Jack Daniel's Old No. 7.
What Is Jack Daniel's Old No. 7 Made With?
Every batch of Jack Daniel's No. 7 starts with the best rye, corn and barley malt available. These make up the base of the whiskey and give it the signature taste that is instantly recognizable. These are mixed with iron-free spring water that is drawn from Cave Spring, a natural fount found on the distillery grounds. The next part of the distilling process might be the most important. Jack Daniel's No. 7 is distilled through 10 feet of sugar maple charcoal.
What Is Jack Daniel's Old No. 7 Aged In?
While some whiskey companies purchase their barrels, Jack Daniel's makes theirs. Each white oak barrel is carefully constructed specifically for the job of aging whiskey. Whiskey barrels are, in essence, the last ingredient of whiskey. As the whiskey sits in the barrel through the seasons, the wood flavor is drawn into the whiskey, imparting a richness and unique flavor that can't be achieved by anything but time.
Is Jack Daniel's Whiskey A Good Mixer?
The beautiful thing about Jack Daniel's Old No. 7 is it is just as good on its own as it is as part of a cocktail. There are literally hundreds, if not thousands, of cocktails that use Jack Daniel's whiskey as an ingredient. For a quick drink, Jack Daniel's whiskey pairs nicely with any dark soda. Of course, purists can still drink it on the rocks as well.
GOVERNMENT WARNING: (1) According to the Surgeon General, women should not drink alcoholic beverages during pregnancy because of the risk of birth defects. (2) Consumption of alcoholic beverages impairs your ability to drive a car or operate machinery, and may cause health problems.
The sale of alcohol to minors is prohibited.
At delivery or pickup, you must show a valid photo ID and provide a signature confirming that you are age 21 or over. Accepted forms of ID are: Driver's Licenses, State-issued Identification Cards, U.S. Passports, Military Identification Cards, U.S. Immigration Cards, or Tribal IDs in specific states, or other similar government issued IDs that are recognized within the state. Drivers will not deliver to anyone who appears to be intoxicated. No discounts, coupons or tax-exempt sales may be applied to alcohol.
Federal and state laws require licensed retailers to purchase alcohol from licensed wholesalers. You agree that any alcohol purchased from Sam's Club is intended for your personal consumption and not for resale. Alcoholic beverages may not be available in certain Sam's Club locations and/or during certain hours or days due to local laws and regulations and certain licensing restrictions.
You are solely responsible for the purchase of any alcohol from Sam's Club, including compliance with the law of your local jurisdiction. The unlawful purchase of alcohol either for yourself or for others may subject you to criminal penalties including significant fines, suspension of your driver's license, community service and/or jail.


Rev. Budy is an alumni Evangelical Reformed Theological College Indonesia. He considered going for theological study during his study in Perth, Australia while strugling with the main question, "Where do I serve God the most Effectively?"
He completed his theology degree program in 1999, and a master of divinity program in 2008. He has served in various branches GRII, including Bintaro, Matraman, and GRII Center. Before serving full time in GRII Melbourne, he also served as assistant of Pdt. Dr. Stephen Tong in GRII Singapore.
Since 2006 until now, he served as pastor in GRII Melbourne. Rev. Budy is Married with Ev. Maria Lusiana and blessed with two daughters, Valerie and Charissa.
Maria Lusiana is a mother of two children and have completed M.A. in Clinical Psychology from Sekolah Tinggi Teologi Reformed Injili Indonesia (STTRII), in Jakarta. Since 1999, she has taught pastoral counseling, giving lectures on the subject of children, adolescents, youth, marriage and family, as well as counseling services. She currently supports services of her husband, Rev. Budy Setiawan in Indonesian Reformed Evangelical Church Melbourne.


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Home | Business News | CBJ Newsmakers | Titanium Transportation Announces Strategic Acquisition of Brantford-Based Carrier Supporting Future Expansion
Titanium Transportation Announces Strategic Acquisition of Brantford-Based Carrier Supporting Future Expansion
BOLTON, Ontario, Jan. 04, 2022 (GLOBE NEWSWIRE) — Titanium Transportation Group Inc. ("Titanium" or the "Company") (TSXV:TTR), a leading provider of transportation and logistics services throughout North America, is pleased to announce it has completed the acquisition of Bert and Son's Cartage Limited ("B&S Cartage"), based in Brantford, Ontario (the "Acquisition").
"This Acquisition provides an exceptional opportunity for Titanium to further expand our platform to better serve our existing and new Canadian and U.S. cross-border customers in a high-growth market," said Ted Daniel, President and CEO, Titanium Transportation. "B&S Cartage is a strategic fit for Titanium as its facilities, including warehousing and approximately eight acres of land, are less than one mile from Titanium's existing Brantford terminal and other former ITS facilities. With these combined assets now secured, we have the geographic footprint and a permanent home to expand operations and support this growing market."
Titanium first began operations in Brantford nearly 10 years ago and the area has become an important geographic and growth market for the Company.
Established in 1947, B&S Cartage has been a family operated business in Brantford for the last 75 years, specializing in truckload, warehousing, distribution, and specialized logistics solutions within Ontario as well as transborder to/from the United States, serving long-standing AAA+ quality customers across the retail, consumer goods, food and beverage, industrial and commercial supply sectors. B&S Cartage brings approximately 40 dedicated drivers and staff to the Titanium team. Additionally, Darin DeRosse and Michelle DeRosse, third generation owner-operators with deep expertise and customer relationships, will join the Titanium management team and become proud shareholders.
Ted Daniel added, "We are pleased to welcome the entire Bert and Son's Cartage team to Titanium Transportation. Together we will drive the business forward, achieve operating synergies, maximize opportunities within our combined customer base and geographic footprint to expand our Canadian and U.S. cross border business, add future growth and create shareholder value."
As partial consideration in connection with the Acquisition, 400,000 common shares of Titanium were issued (the "Consideration Shares") at a deemed value of $3.75 per Consideration Share. The Consideration Shares are subject to contractual lock-up, and will be released as follows: (i) 75,000 Consideration Shares on June 30, 2022; (ii) 75,000 Consideration Shares on December 31, 2022; (iii) 50,000 Consideration Shares on June 30, 2023; (iv) 50,000 Consideration Shares on December 31, 2023; (v) 50,000 Consideration Shares on June 30, 2024; (vi) 50,000 Consideration Shares on December 31, 2024; and (vii) 50,000 Consideration Shares on June 30, 2025. Pursuant to applicable Canadian securities laws, the Consideration Shares are also subject to a hold period of four months and one day, expiring on May 5, 2022. The Acquisition remains subject to final approval of the TSX Venture Exchange. The Acquisition was completed today, January 4, with an effective closing date of January 1, 2022.
About Titanium
Titanium is a leading asset-based transportation and logistics company servicing Canada and the United States, with approximately 800 power units, 3,000 trailers and 1,100 employees and independent owner operators. Titanium provides truckload, dedicated, and cross-border trucking services, freight logistics, and warehousing and distribution to over 1,000 customers. In February 2021, Titanium completed its strategic acquisition of International Truckload Services Group, establishing Titanium among the largest Canadian transportation companies. Titanium is a recognized consolidator of asset-based transportation companies in Ontario, having completed eleven (11) asset-based trucking acquisitions since 2011. Titanium has also been ranked by Canadian Business (formerly PROFIT magazine) as one of Canada's Fastest Growing Companies for twelve (12) consecutive years.
Certain statements contained in this press release constitute forward-looking information within the meaning of Canadian securities laws. Forward-looking statements are provided for the purposes of assisting the reader in understanding Titanium's current expectations and plans relating to the future and readers are cautioned that such statements may not be appropriate for other purposes. Forward-looking information may relate to Titanium's future outlook and anticipated events, and may include statements regarding the financial position, business strategy, budgets, litigation, projected costs, capital expenditures, financial results, taxes and plans and objectives of or involving Titanium. Particularly, statements regarding future acquisitions, the availability of credit, performance, achievements, prospects or opportunities for Titanium or the industry in which it operates are forward-looking statements. In some cases, forward-looking information can be identified by terms such as "may", "might", "will", "could", "should", "would", "occur", "expect", "plan", "anticipate", "believe", "intend", "seek", "aim", "estimate", "target", "project", "predict", "forecast", "potential", "continue", "likely", "schedule", or the negative thereof or other similar expressions concerning matters that are not historical facts.
Information contained in forward-looking statements is based upon certain material assumptions that were applied in drawing a conclusion or making a forecast or projection, including management's perceptions of historical trends, current conditions and expected future developments, as well as other considerations that are believed to be appropriate in the circumstances. While management considers these assumptions to be reasonable based on currently available information, they may prove to be incorrect.
The forward-looking statements made in this press release are dated, and relate only to events or information, as of the date of this press release. Except as specifically required by law, Titanium undertakes no obligation to update or revise publicly any forward-looking statements, whether as a result of new information, future events or otherwise, after the date on which the statements are made or to reflect the occurrence of unanticipated events.
Neither the TSX-V nor its Regulation Services Provider (as that term is defined in the policies of the TSX-V) accepts responsibility for the adequacy or accuracy of this release.
Titanium Transportation Group Inc.
Ted Daniel, CPA, CA
www.ttgi.com
Innovation Metals Corp. Provides Update on the Commercialization of the RapidSX™ Rare-Earth Elements Separation Technology
LeddarTech Introduces LeddarEcho LiDAR Simulation Software Running on dSPACE AURELION to Accelerate Sensor Development


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How "Social" Housing Fits Into ESG Investment Story
Jackie Bennion, Deputy Editor, 5 March 2021
With public/private partnerships expected to do much of the heavy lifting in the UK's levelling-up agenda, and billions pledged this week to boost infrastructure, we spoke to managers of a real estate investment trust that is delivering impact and steady returns in a niche sector.
As the pandemic has put more focus on the "social" component of ESG and infrastructure projects are seen as one way out of the crisis, Civitas Investment Management is one UK firm at that crossroads.
The group runs the Civitas Social Housing Trust, a London-listed real estate investment trust (REIT) that specialises in providing supported housing for those with severe disabilities and mental health conditions.
Civitas tested the sector as a viable asset class four years ago when it launched the trust, and has raised around £900 million ($1.26 billion) since from long-term institutional investors.
"We are the biggest type of private owner of this type of housing in the UK," Paul Bridge, chief executive of Social Housing for Civitas, said. The investment firm brings together multi-disciplinary teams across healthcare, real estate, and social-housing finance and investing "to meet an enormous and continuing demand," he said.
"The point of our investment is to increase the amount of social housing, improve its quality, and make sure there is value of money for the taxpayer," Bridge said.
For those looking for a consistent income, trusts are a popular choice. There are around 390 registered in the UK worth £235 billion and they have largely performed well in a difficult year. They provide exposure to small-cap growth stocks and to alternative investment areas, including private equity. Investors can also use them to funnel patient capital towards individual sector interests, such as infrastructure, renewable energy, healthcare and life sciences.
REITS were introduced in the UK in 2007 to bring more money into the sector. REITs distribute most of their taxable income to shareholders. Since then, the sector has grown to around 60 funds but some have been trading at discounts to the value of their assets in recent years because of a lack of equity investor interest.
At an industry panel in January, Colin Godfrey, CEO of warehousing REIT Tritax Big Box told the sector that it needs to grow bigger to gain the sort of traction the US REIT market enjoys. (The US sector is worth more than $1 trillion.) More specialisation is needed, he said, to deliver the kinds of returns that would attract more investors. "Specialisations are key to value delivery in your field," Godfrey said. "The real estate sector is just too broad. You can't be a master of all those areas."
Civitas is one of those businesses that has taken a specialist market approach. The fund has returned around 7 per cent annually since inception, the bulk paid in dividends that currently yield around 5.3 per cent. Its board has told shareholders to expect an additional 1.9 per cent payout for 2021 based on infrastructure deals lined up with the NHS and pledges from the government to step up social and healthcare spending. There was, however, little mention of this in this week's Budget statement.
But the Treasury is launching a new "infrastructure bank" this Spring, with £12 billion in capital investment and £10 billion in government-backed loans to attract more private investment into infrastructure as part of the UK's recovery plan.
Civitas has invested £500 million in new developments over the past year and currently manages around 1,000 properties. As Bridge explains: "There are tens of thousands of people waiting for this type of accommodation." The group says its REIT was initially 75 per cent held by private client firms, such as Rathbones, Tilney and Investec, and others. But that segment has dropped to around 40 per cent as more institutional investors have arrived. Investec remains its largest investor.
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GUEST ARTICLE: Family Office, HNW Individual Co-Investment In Alternative Property


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