text:
UK FinTech capital of the world, but competition is heating
29 February 2016 Consultancy.uk
With a market value of around £6.6 billion, the UK can across the board call itself the FinTech capital of the world. A strong financial system, a highly supportive government, a well-educated workforce and entrepreneurial spirit mean that the UK is doing well in the creation of new and disruptive FinTech offerings. With competition heating up globally, and in particular the US and China gearing up, further advancement remains key.
Rapid progression in technological innovation, abundant capital and an entrepreneurial spirit, among others, have seen the FinTech sector boom in recent years. Across the globe a number of countries and, in the case of the US, states, have particularly shown strong FinTech development. The sector has the potential to create considerable disruption within the financial services industry on the back of innovative solutions for consumers and organisations alike, from the promise of cryptocurrency streamlining transactions within the financial services industry to new payment methods for consumers.
The promise of hefty returns, as well as the potential to be at the forefront of a disruptive development, has seen considerable investment into the sector. A range of stakeholders, from investors to governments, have sought to create environments that encourage FinTech innovation. In a recently commissioned benchmark report by the HM Treasury, titled 'UK FinTech: On the cutting edge', the researchers (advisors from EY) explore the competitiveness of the major global FinTech ecosystems. The study looks at four key attributes* (Talent, Capital, Policy, Demand), and then ranks the regions in terms of their conduciveness to FinTech development, as well as making a projection about expected changes to the market over the coming five years.
FinTech in UK
The study reveals that the UK can call itself the global leader within the industry in a number of fronts. As it stood in 2015 the sector has revenues of around £6.6 billion, with investments in the order of £524 million. The sector employs around 61,000 people in the UK, representing 5% of the total financial services market– the number of people working in the sector in the UK outnumbers those of three of the larger global hubs of sector activity combined: Singapore, Hong Kong and Australia.
The UK FinTech sector has a clear focus on two subsectors, banking and payments and credit and lending. The latter has seen phenomenal growth in recent years, with the alternative finance market hitting £3.2 billion from almost non-existence five years earlier. Investment in the respective subsectors does not in itself reflect the level of activity, with banking and payments attracting £243 billion for its 54% market share, while credit and lending attracts £233 billion for its 20% market share. The third biggest subsector in the ecosystem is investment management, wholesale banking and capital markets. The authors note that, despite the UK's strong position in the insurance sector, both activity and investment have been relatively subdued; however, indications are that activity is beginning to emerge.
The report highlights that the UK enjoys considerable strength in the area of policies supporting the FinTech sector. The FCA has lowered barriers for the entry of new players, while the government has a number of funding schemes in place to support the development of promising ideas. Tax incentives around R&D for the sector too provide key elements to the ecosystem in which FinTech ideas can be incubated and fostered to grow rapidly.
From an international perspective, two US regions are placed in second and third spot – California, building on the strengths of its tech hub at Silicon Valley, and New York. California is number one in talent and capital, while demand sees it at number 2 – policy however, was found to be unsupportive, with the UK taking top spot in this area. New York, earning 13 points in the methodology of the authors (lower scores represent higher maturity and ranking) comes in third with strong performances in all categories bar policy.
When it comes to access to capital, the US blows the rest of the world away. Venture capital funding remains the primary source of capital for FinTechs from early-stage through to growth stages. As a result, a strong venture capital network can be a defining factor for scaling innovative start-ups. California is the highest ranked region for venture capital funding with over £17.5 billion in overall tech investment in 2014 compared to £3.5 billion for New York and £1 billion for the UK. Both US cities also rank ahead of the UK in the area of seed funding availability (capital to finance initial start-up activities) and listed capital (access for mature FinTechs to public market investors).
Singapore, with a highly supportive government toward the FinTech sector, comes in at number four with 19 points. Germany and Australia both score 20 points, while Hong Kong follows with a score of 21 points.
While the UK currently stands at the top of the global FinTech sector, the rapidly changing ecosystem may see the UK dethroned in the coming five years, warn the researchers. One factor is China, were large capital funds are looking for the next Alibaba innovation, other dangers are improvements to policy levers in the US – thus seeing the UK lose its major advantage to US regions.
As policy becomes more progressive in some geographies, EY also highlights the emergence of specialisation as a threat. Examples include Israel's focus on cybersecurity, Benelux's focus on payments, Dublin's focus on fund administration, Malta and the Isle of Man's focus on cryptocurrencies and Estonia's focus on financial identity. "This specialisation could place London's position as a diversified FinTech sector at a disadvantage," state the authors.
In order to remain the global capital of FinTech, EY and the HM Treasury have drawn up a long list of recommendations for stakeholders involved, aimed at enabling the UK to keep pole position. The recommendations range from creating a FinTech "delivery body" that drives high impact policy initiatives, to providing/facilitating more delivery support in the FinTech ecosystem and strengthening the talent pipeline, particularly for tech talent. An overview:
Create a FinTech "delivery body" to drive high impact policy initiatives to implementation as quickly as possible
Build on the FCA's position as the most progressive regulatory body globally
Deliver practical business support to FinTechs
Build FinTech "bridges" to support UK FinTechs expand internationally
Strengthen the UK's talent pipeline,particularly for tech talent
Establish regional Centres of Excellence in the UK
Initiate investor-focused programmes to improve access to growth capital
Broaden tax initiatives to drive greater investment in UK FinTech
Promote government, consumer and FI adoption of FinTech services
* Talent represents the current availability of technical, financial services and entrepreneurial talent as well as the talent pipeline, both domestic and foreign. Capital represents the access to seed and scaling funding, Policy relates to the kinds of regulations bearing on FinTech players, government support programmes as well as tax incentives, and Demand is related to the adoption of FinTech offerings by a range of players, including consumers, corporates and enterprise.
Latest news | FinTech
Baringa and EY advise on funding round of FinTech firm DivideBuy
Cognizant purchases Dublin-based FinTech innovator Meritsoft
FinTech and challenger banks rapidly changing financial landscape
Latest news | Finance
'Nouveau riche' present key opportunity for wealth managers
Majority of UK defined benefit plans are cash-flow negative
Latest news | Technology
Capgemini launches first technology venture capital fund
Over half of capital intensive projects globally underperform
Government criticised for 'racially biased' facial image database
Latest news | EY
Justine Belton succeeds Robert Overend in EY's UK leadership
Foreign direct investment to take hit from Brexit
EY, Deloitte, Baringa and Protiviti named great UK employer


Today's Thoughts: The Gospel provides us with an insight into the life of Jesus and his disciples. Jesus knew that his time was short and his message was important. He knew that it was vital that his message should be spread as swiftly as possible. However, Jesus knew it was also important to take time away from proclaiming the Good News. He knew it was important to rest. Even Jesus himself took time to rest and pray. It was in these moments of rest and prayer that Jesus found the inspiration and wisdom to continue his journey to Calvary.
The message of our Gospel today is clear. We need to remember that we journey through this life with God's blessing and we need to remind ourselves of this blessing each and every day and the best way to be reminded of God's blessings in our life is to pause from the busyness of life – to take some time of rest and prayer. In other words, we can discover the blessings of God when we spend some time in prayerful silence. If we don't we can become overwhelmed by the busyness of life, the busyness of the world and miss the helping presence of God in our lives.
Our Gospel today reminds us to pause in the midst of the busyness of our lives and take a break, rest a little, pray a little and stay connected with God. This can make all the difference!


text:
Q: Rails dependencies issue when in production mode Im working on a legacy oracle database with a slightly odd table naming convention where each column name is prefixed with the tables initial letters - eg policy.poli_id.
To make this database easier to work with I have a method  set_column_prefix  that creates accessors for each column with the prefix removed. ie:
# Taken from wiki.rubyonrails.org/rails/pages/howtouselegacyschemas
class << ActiveRecord::Base
  def set_column_prefix(prefix)
    column_names.each do |name|
      next if name == primary_key

      if name[/#{prefix}(.*)/e]
        a = $1

        define_method(a.to_sym) do
          read_attribute(name)
        end

        define_method("#{a}=".to_sym) do |value|
          write_attribute(name, value)
        end

        define_method("#{a}?".to_sym) do
          self.send("#{name}?".to_sym)
        end

      end
    end
  end
end

This is in a file (insoft.rb) in my lib/ directory, and required from from my config/environment.rb after the Rails::Initializer.run block.
This has been working fine in development, but when I try to run the application in production mode, I get the following error in all of my models:
dgs@dgs-laptop:~/code/voyager$ RAILS_ENV=production script/server
=> Booting Mongrel
=> Rails 2.3.2 application starting on http://0.0.0.0:3000
/usr/lib/ruby/gems/1.8/gems/activerecord-2.3.2/lib/active_record/base.rb:1964:in `method_missing':
undefined method `set_column_prefix' for #<Class:0xb3fb81d8> (NoMethodError)
    from /home/dgs/code/voyager/app/models/agent.rb:16

This error is triggered by the 'config.cache_classes = true' line in config/environments/production.rb.
If I set this to false, then rails will start up, but won't be caching classes. I'm guessing this makes rails cache all the models before it runs the Initializer block
If I move the 'require "insoft.rb'" to before the start of the Rails::Initializer.run block, then I get errors because ActiveRecord  hasn't been initialized yet:
usr/lib/ruby/gems/1.8/gems/activesupport-2.3.2/lib/active_support/dependencies.rb:443:in `load_missing_constant': uninitialized constant ActiveRecord (NameError)
    from /usr/lib/ruby/gems/1.8/gems/activesupport-2.3.2/lib/active_support/dependencies.rb:80:in `const_missing'
    from /usr/lib/ruby/gems/1.8/gems/activesupport-2.3.2/lib/active_support/dependencies.rb:92:in `const_missing'
    from /home/dgs/code/voyager/lib/insoft.rb:1

Where should I be including this custom lib and set_column_prefix method in order for it to be picked up before the models are cached, but after all the activerecord files have loaded?
Cheers
Dave Smylie

A:
Where should I be including this custom lib and set_column_prefix method in order for it to be picked up before the models are cached, but after all the activerecord files have loaded?

Try setting up an initializer. You can call it config/initializers/insoft.rb with the contents of your monkey patch:
class << ActiveRecord::Base
  def set_column_prefix(prefix)
    column_names.each do |name|
      next if name == primary_key

      if name[/#{prefix}(.*)/e]
        a = $1

        define_method(a.to_sym) do
          read_attribute(name)
        end

        define_method("#{a}=".to_sym) do |value|
          write_attribute(name, value)
        end

        define_method("#{a}?".to_sym) do
          self.send("#{name}?".to_sym)
        end

      end
    end
  end
end

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Burckle Place, located in Lake Worth, is the only supportive housing program in Palm Beach County designed exclusively for single homeless women. It is part of The Lord's Place housing program. The women of Burckle Place hosted the women of GL Homes for a home cooked dinner. GL purchased the food and Burckle Place residents cooked a healthy meal. It gave all the women an opportunity to get to know one another.


We've all seen Off-White's industrial-tape belts and now the label is using them to decorate its backpacks. Designed with vivid orange straps, this style is made from resilient black canvas and irreverently stamped with the brand's signature logos in white. It has two front pouch pockets and a detachable karabiner-fastening metal cord.
Shown here with: Off-White Top, Acne Studios Hooded top, Facetasm Pants, Off-White Sneakers.


text:
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Intrauterine Devices (IUDs)
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Roundup Weed Killer Lymphoma Risk
3M Earplug Lawsuits
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Reach Us here:
Veterans File Lawsuit Alleging Hearing Loss Caused by 3M for Earplugs
Written by CST Team August 2, 2019 | Category: Devices, News
Home/Latest News/Devices/Veterans File Lawsuit Alleging Hearing Loss Caused by 3M for Earplugs
A class action lawsuit filed against 3M by military members alleges faulty earplugs designed by the company caused hearing loss for many user. Those affected are seeking damages including medical expenses and back pay. In addition to their loss of hearing, veterans also experienced mental anguish, physical pain, and other issues as a result of their hearing loss.
United States military personnel in combat zones received 3M's Combat Arms Earplugs while undergoing training. The earplugs were supposed to protect their hearing from loud noises, including gunshots and explosions.
Soldiers serving in a number of locations were given the earplugs, including:
North-West Pakistan
Operation Ocean Shield in the Indian Ocean
The earplugs featured a dual-ended design which meant they could work like traditional earplugs, but when turned around, also provided protection against concussive sounds while allowing soldiers to hear speaking and other low-level sounds.
Combat Arms Earplugs Did Not Perform as Claimed
Unfortunately, the soldiers who utilized the earplugs experienced hearing loss, despite claims about the devices effectiveness.
The problem with the earplugs was discovered when a former 3M employee came forward about the defect. Additionally, the whistleblower claimed that 3M had concealed the design defects from the government. According to the employee, 3M had known since 2000 that the earplugs did not work, but still chose to put soldiers at risk for permanent hearing loss.
Furthermore, there were reports that 3M had conducted faulty internal testing on the earplugs to cover up the fact that they did not work.
Those accusations were made in a lawsuit filed by the former employee against 3M under the federal False Claims Act. It resulted in a $9 million settlement, but that amount does not compensate the military members directly affected.
3M and US Government Settle over Ineffective Earplugs
Last July, 3M agreed to settle with the federal government for more than $9 million regarding the faulty earplugs. Despite the settlement, 3M admitted to no wrongdoing.
Users claim the earplugs weren't long enough for proper insertion and because of the length, the earplugs would loosen in some users' ears and not provide any hearing protection.
Veterans Allege They Developed Tinnitus after Using 3M Earplugs
Several plaintiffs claim they developed tinnitus, a condition that causes ongoing ringing in the ears. Many of them must use hearing aids to hear normally. It is believed that at a minimum, hundreds of thousands of military members have been affected by the defective earplugs. Attorneys for plaintiffs believe 3M deliberately withheld information from the Pentagon.
Veterans who were affected by the faulty earplugs face permanent hearing loss and were affected permanently. Those who suffered hearing loss as a result of their service are eligible to apply for VA disability benefits and could receive compensation as a result of eventual legal settlements.
Unfortunately tinnitus tends to be an ongoing problem that interferes with a person's quality of life. It's one of the most common health issues faced by Americans and the CDC estimates that about 20 million people deal with chronic tinnitus, which in some cases is debilitating.
The condition is considered chronic when it occurs for at least five minutes of at least twice a week. Often, those who are dealing with chronic tinnitus experience it far more frequently than that, with some people reporting they feel as if they have a constant ringing in their ears.
Curing and Treating Tinnitus
There is no cure for tinnitus. A wide variety of treatment options are available, but none of them is scientifically proven to completely eliminate the condition. Even after undergoing treatment, a person might occasionally experience tinnitus. Treatment only eases the symptoms so the condition interferes less with a person's quality of life.
One of the best options for coping with tinnitus is to prevent it from happening in the first place. Exposure to loud noises increase a person's risk for tinnitus, so the more you can do to protect your hearing the better.
Learn more about 3M earplug lawsuits.
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May 29, 2013 NO: WE2.003 Gunite Automatic Slack Adjuster Identification With the launch of Gunite's new state‐of‐the‐art automatic slack adjuster assembly line there has been a change to the identification information formatting. The identification information now includes the part number, date code and serial number (TYPE II). The identification information is located on the end cap facing the brake chamber. Please reference the below illustrations for the identification information and formatting.
Please continue to supply the part number and date code information on all warranty claims as has been done in the past. For further information, contact Gunite Field Engineering at (800) 677‐3786. Your only single source for industry‐leading wheel end solutions.


text:
Blue Sky in trading halt ahead of major review
By Ben Hall
Shares in Blue Sky Alternative Investments (ASX: BLA) have been placed in a trading halt as the embattled fund manager prepares to release a company review and balance sheet update to the market.
The Brisbane-based Blue Sky requested the trading halt until the release of the review or until the open of trading on Thursday.
The review is being carried out as the the company tries to recover from a share price and market capitalisation wipeout of around 80 per cent following the release of a controversial report from a US short seller in March.
The Glaucus Research report claimed Blue Sky "wildly exaggerated" its fee earning assets under management (FEAUM) and that its share price was worth just $2.56.
When the report was released BLA shares were trading at around the $11.50 mark, off an all time high of $14.99, and since then they have slumped to $2.24.
The company last week announced that KPMG is carrying out an independent valuation review of all its assets but is not advising Blue Sky on its business model or management structure and the review is part of a comprehensive review process announced last month.
Glaucus Research claimed that Blue Sky's estimate of $4 billion in FEAUM was overstated by $2.5 billion.
As the share price plunged, the fallout led to two board purges and the resignations of managing director Robert Shand, followed by chairman John Kain, along with board members Elaine Stead and Nicholas Dignam.
Veteran board member Michael Gordon resigned for health reasons.
Last month the company announced it expects its full year net profit after tax (NPAT) for 2018 to be lowered by $7 million just a week after it abandoned guidance because of the turmoil caused by the Glaucus report.
Michael Hill triples pre-COVID annual profit in six months
Shares in jewellery retailer Michael Hill International (ASX: MHJ...
Job vacancies surge 23 per cent
The recovery cycle is picking up speed in Australia with the late...
Tyro EFTPOS outage will stretch into next week for some merchants
Payments facilitator Tyro (ASX: TYR) says an outage of its EFTPOS...


Desert Bloom Hand & Body Lotion is a luxurious formulation containing 12% glycolic acid that offers special benefits for the dry and cracked skin of the feet, legs, and elbows, as well as the back and shoulders–wherever dry patches of skin or callouses occur. This product is very effective in softening and removing callouses that build up on the feet, especially the heels. Diabetics will find this lotion especially beneficial for their skin care challenges.


Wellness Collective member Teresa Cramer carries a strong, gentle presence. As a midwife these qualities serve her. Her knowledge, experience, and passion for women's health is evident. We spent some time interviewing her to learn more about what makes her the incredible person and midwife she is.
Although I do love babies, I actually became interested in midwifery because I wanted to work with pregnancy and women's health. People need to feel loved and supported through this process. As well as have space to use their voice and make decisions during care rather than just going through the motions and routine.
How was your educational experience? What important things did you gain from it?
I loved my days at Calvin College where I studied International Development and learned to question everything. After living in Grand Rapids, I moved to Maine where I attended midwifery school, which challenged me educationally and as an individual. Although I didn't use my International Development degree much, it continues to influence the way I practice midwifery. Since many ideas and values in international development can be compared to family development, I am always looking at all the different aspects of a person's life and the impact they have on them.
Is there a documentary that resonates with you? What did it do for you?
One of my favorite documentaries is "Jiro Dreams of Sushi." I think about it often because of how deliberate and purposeful he was in not only how he lived but how he prepared his sushi. In his day to day he was good at identifying his customers' needs and preferences in order to make it a wonderful experience. He was always mindful with his work. This is something I very much aspire to do.
How does your work differ from other midwives?
I find that I can hold space for other people well. I don't have to take up a room or speak on behalf of someone else, but rather let them be fully present and accept who they really are without judgment or telling them what is the right or wrong way to do something (unless something serious needs to be addressed.) I'm empathetic and I am on the quieter side so I allow my client to have a bigger voice.
I am flexible with my client's wants and needs. If herbal remedies and supplements are their preference, we will use them or if they prefer medications, we figure out what will work best. In certain cases I do home visits which is fun because my clients are more relaxed and it includes the whole family. My visits are about an hour long and we spend time talking about nutrition, exercise, emotions, stress, fears, and family circumstances. We also do routine care by checking on the mother and baby.
What type of people/symptoms do you generally work with?
While working with pregnant women, I've seen that there is a similar rhythm of pregnancy from one person to the next and I get to see that from client to client. This is a process I see over and over again not just in pregnancy but also in labor and birth. I've worked in many different communities such as women in Boston, Grand Rapids, Maine and an Amish community in rural Pennsylvania. It's interesting to see how cultural differences plays into the idea of family and how each culture enters pregnancy and birth.
What was working with the Amish like?
One surprising thing I experienced while working in the Amish community was their openness and desire to get to know me. They let me join them at meals and had several questions about where I was from and my family. They taught me about the simplicity of life and the beauty of living at a slower pace. Our Amish clients taught me about the hard work of labor by comparing it to a chore. They didn't talk much about going into labor and once it started they faced it squarely and did the work set in front of them to birth their babies.
Was there a specific moment that ignited your holistic flame?
My sister had her first baby nine years ago and she wasn't provided any education around pregnancy or birth during her care, let alone given options around screenings and tests. She experienced an uncomplicated hospital birth, but the experience impacted her deeply, as pregnancy and birth do. I was helping her clean up after the birth and she looked at me and said, "No one told me this was what it was like." She was caught off-guard by the experience and her voice was left out of her care. I knew then I wanted to help educate people about this process, even though I didn't know in what capacity. Around the same time a friend of mine had a home birth. She talked about her experience in an entirely different light and was empowered. This sparked my interest in midwifery. I then started reading anything I could find in relation to homebirth and midwifery and immediately recognized that the qualities needed in a midwife, I saw in myself!
"When despair grows in me and I wake in the middle of the night at the least sound in fear of what my life and my children's lives may be, I go and lie down where the wood drake rests in his beauty on the water, and the great heron feeds.
About: Teresa Cramer is a Certified Professional Midwife providing holistic homebirth midwifery care at River Birch Midwifery. Striving to create a family-centered and nurturing environment, Teresa works with her clients to ensure a safe and empowering birth experience through informed care.


text:
Q: How to ask to attach the plots vertically in the given code? I use this code
{P1 = RegionPlot[0 <= Cos[y x] <= 1/2, {y, 0, 3}, {x, 0, 5},
   PlotStyle -> LightBlue,
   FrameLabel -> {{Style[Rotate["F", 270 Degree], 15],
      None}, {Style["y", 15], None}}, BaseStyle -> 15],

 P2 = RegionPlot[0 <= Cos[-y x] <= 1/2, {y, 0, 3}, {x, 0, -5},
   PlotStyle -> LightBlue,
   FrameLabel -> {{Style[Rotate["G", 270 Degree], 15],
      None}, {Style["y", 15], None}}, BaseStyle -> 15]}

and the result is

How can I ask Mathematica to attach the two plots vertically as follows

A: $Version

(* "12.2.0 for Mac OS X x86 (64-bit) (December 12, 2020)" *)

Clear["Global`"]

Column[{
  P1 = RegionPlot[0 <= Cos[y x] <= 1/2, {y, 0, 3}, {x, 0, 5},
    PlotStyle -> LightBlue,
    FrameTicks -> {{Automatic, Automatic}, {None, Automatic}},
    FrameLabel -> {{Style[Rotate["F", 270 Degree], 15], None}, {None, None}},
    BaseStyle -> 15,
    ImageSize -> 360,
    ImagePadding -> {{40, 5}, {0, 10}}],
  P2 = RegionPlot[0 <= Cos[-y x] <= 1/2, {y, 0, 3}, {x, 0, -5},
    PlotStyle -> LightBlue,
    FrameLabel -> {{Style[Rotate["G", 270 Degree], 15],
       None}, {Style["y", 15], None}},
    BaseStyle -> 15,
    ImageSize -> 360,
    ImagePadding -> {{40, 5}, {45, 0}}]},
 Spacings -> 0]

Or more simply,
RegionPlot[{0 <= Cos[y x] <= 1/2 && 0 <= x <= 5,
  0 <= Cos[-y x] <= 1/2 && -5 <= x <= 0}, {y, 0, 3}, {x, -5, 5},
 FrameLabel -> {"y", ""},
 BaseStyle -> 15,
 PlotPoints -> 75,
 PlotLegends -> Placed[{"F", "G"}, Left]]

A: I have tried to reproduce the combined plot exactly as you show it in your question. Observe that I managed to make a graphic with just one zero exactly level with the boundary between the two component plots, which is the one tricky thing in this solution
I have also simplified the options wherever I thought it was useful to do so, and I added some new ones that were needed.
Graphics[
  {Text[Style[0, 15], {-.8, .15}],
   Inset[
     GraphicsColumn[
       {RegionPlot[0 <= Cos[y x] <= 1/2, {y, 0, 3}, {x, 0, 5},
          PlotRange -> {Automatic, {0, 5}},
          PlotStyle -> LightBlue,
          FrameTicks -> {{ Range[5], None}, {None, Automatic}},
          FrameLabel -> {None, "F"},
          RotateLabel -> False,
          BaseStyle -> 15,
          ImagePadding -> {{Automatic, Automatic}, {None, Automatic}}],
        RegionPlot[0 <= Cos[-y x] <= 1/2, {y, 0, 3}, {x, -5, 0},
          PlotRange -> {Automatic, {-5, 0}},
          PlotStyle -> LightBlue,
          FrameTicks -> {{ -1 Range[5], None}, {Automatic, None}},
          FrameLabel -> {"y", "G"},,
          RotateLabel -> False,
          BaseStyle -> 15,
          ImagePadding -> {{Automatic, Automatic}, {Automatic, None}}]},
       Spacings -> 0],
     {-1, 2}, {-1, 1}, {2, 4}]},
  PlotRange -> {{-1, 1}, {-2, 2}},
  AspectRatio -> 1.8,
  ImageSize -> 400]

Update
I am not deleting my original solution because I think it still might be of some interest, but I am adding this much simpler solution, which combines Show with Labeled.
Labeled[
  Show[
    RegionPlot[0 <= Cos[y x] <= 1/2, {y, 0, 3}, {x, 0, 5},
      PlotStyle -> LightBlue]],
    RegionPlot[0 <= Cos[-y x] <= 1/2, {y, 0, 3}, {x, -5, 0}],
      PlotStyle -> LightBlue],
    Epilog -> {Line[{{0, 0}, {3, 0}}]},
    BaseStyle -> 15,
    PlotStyle -> LightBlue,
    PlotRange -> All,
    FrameTicks -> {{Range[-5, 5], None}, {Automatic, None}},
    AspectRatio -> 1.8,
    ImageSize -> 400],
  {Column[{"F", Splice @ ConstantArray["\n", 18], "G", "\n"}], "y"},
  {Left, Bottom},
  LabelStyle -> 15]


text:
Робърт Лестър "Боби" Замора () е футболист от Англия, играещ за английския футболен отбор Куинс Парк Рейнджърс като централен нападател.

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Are Targaryens Immune to Greyscale? All Of Westeros Better Hope This 'Game Of Thrones' Theory Is True
By Alice Walker
There are a lot of horrible afflictions on Game of Thrones, but greyscale is really creeping up there as being far worse then any sickness — and I'm including being turned into a White Walker in that list. The horrible affliction is a (usually) fatal disease that leaves the sufferers flesh stiff, cracked, and flaking. The skin gets stone-like to the touch, and, unless it's stopped, spreads to the entire body, turning people into "stone men." We all know that Jorah has it, and shared a collective gasp when he shook hands with the Khaleesi, possibly giving the Mother of Dragons greyscale. Jerk move, buddy. We still don't know that much about the disease or many other people who suffer from it, but it's caused fans to wonder if the Targaryens are immune to greyscale.
It's a good theory, and if true would save a lot of lives considering that Jorah may had started a new epidemic by all of the touching. So far the only person we've seen be relatively immune to the 'scale is Tyrion. Many people believe that Tyrion is a Targaryen himself, and thus his not catching greyscale is proof of their immunity. However, even if he were from the house of fire and blood (disclaimer: I do not share this belief; that guy is a Lannister through and through), that doesn't prove anything. We didn't see where the stone man grabbed him, so he could have only touched his clothing. Or, even if he touched skin, Tyrion could have not contracted it by chance.
Though the show hasn't touched on any of the Targaryens catching it, we also haven't seen anyone from House Stark, or House Lannister, or, heck, even House Tully get it. Are they all immune? I doubt it.
This was never directly addressed in the books, except for a very offhand comment in A Dance With Dragons where Daenerys mentions her brother Viserys saying Targaryens were "untroubled by the pestilences that afflicted common men." This is a really nice sentiment, but I've got a few major problems with it. First off, I don't think the body-calcifying effects of greyscale can be considered common; this isn't exactly a flu you recover from after a month. Second, this clearly did not extend to mental illness since the Targaryens are well known for that. Finally — consider the source, people. This is Viserys we are talking about, who was unstable at best and often inflated his own importance and the value of their blood.
It would be nice if they were immune. I'm rooting for Daenerys to sit on the Iron Throne, and (despite a rocky last season) I want her to have all of the advantages she can get. Being immune to colds, fire, and greyscale would certainly give her a leg up on the competition as everyone goes to war. I also don't want her inadvertently starting a plague all because Jorah couldn't keep his hands to himself. However, for now I think this rumor is just that, an unfounded rumor. Prove me wrong George R.R. Martin!
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Printed from https://ideas.repec.org/p/hhs/iuiwop/1086.html
Owner-Level Taxes and Business Activity
Henrekson, Magnus
(Research Institute of Industrial Economics (IFN))
Sanandaji, Tino
(Institute for Economic and Business History Research (EHFF))
Tino Sanandaji
In some classes of models, taxes at the owner level are "neutral" and have no effect on firm activity. However, this tax neutrality is sensitive to assumptions and no longer holds in more complex models. We review recent research that incorporates greater complexity in studying the link between taxes and business activity - particularly entrepreneurship. Dividend taxes on owners of large firms affect firm activity in models that include agency conflicts between owners and managers. Similarly, after incorporating entrepreneurs' occupational choice into the model, taxes are no longer neutral. By forsaking lucrative alternative careers, skilled entrepreneurs tend to have high opportunity costs, which make the choice of attempting to start a business of first order importance. Moreover, in models where it is assumed that capital flows across borders without cost, taxes on domestic business owners do not alter business activity because foreign capital seamlessly compensates for tax-induced declines in investments. This theoretical notion is contradicted by the strong "home bias" observed in business ownership, in particular for small firms and startups without easy access to international capital markets. Recent empirical work has emphasized that taxes have heterogeneous effects on mature firms, entrepreneurial startups, and owner-managed small firms. Lowering dividend taxes on firms with dispersed ownership has been shown to shift capital from mature firms into rapidly growing firms. Moreover, capital gains taxation tends to reduce the number of innovative startups and diminish venture capital activity, while high owner-level taxes encourage small business activity and non-entrepreneurial self-employment because such firms have more opportunities to avoid or evade taxes. To obtain efficient incentives in entrepreneurial startups, contractual terms are required that ex ante guarantee that all providers of critical inputs, especially equity constrained entrepreneurs, are entitled to a share of the resulting capital value firm. Unless properly designed, owner-level taxes prevent such ex ante contracting and thus lower the likelihood of eventual success.
Henrekson, Magnus & Sanandaji, Tino, 2015. "Owner-Level Taxes and Business Activity," Working Paper Series 1086, Research Institute of Industrial Economics, revised 19 Feb 2016.
Handle: RePEc:hhs:iuiwop:1086
File URL: https://www.ifn.se/wfiles/wp/wp1086.pdf
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Maurice Obstfeld and Kenneth Rogoff., 2000. "The Six Major Puzzles in International Macroeconomics: Is There a Common Cause?," Center for International and Development Economics Research (CIDER) Working Papers C00-112, University of California at Berkeley.
Obstfeld, Maurice & Rogoff, Kenneth, 2000. "The Six Major Puzzles in International Macroeconomics: Is There a Common Cause?," Center for International and Development Economics Research, Working Paper Series qt0sx02651, Center for International and Development Economics Research, Institute for Business and Economic Research, UC Berkeley.
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Pontus Braunerhjelm & Zoltan Acs & David Audretsch & Bo Carlsson, 2010. "The missing link: knowledge diffusion and entrepreneurship in endogenous growth," Small Business Economics, Springer, vol. 34(2), pages 105-125, February.
Jacob, Marcus & Jacob, Martin, 2013. "Taxation, Dividends, and Share Repurchases: Taking Evidence Global," Journal of Financial and Quantitative Analysis, Cambridge University Press, vol. 48(4), pages 1241-1269, August.
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Pavel Pelikan, 1993. "Ownership of firms and efficiency: The competence argument," Constitutional Political Economy, Springer, vol. 4(3), pages 349-392, September.
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Vesa Kanniainen & Paolo M. Panteghini, 2013. "Tax Neutrality: Illusion or Reality? The Case of Entrepreneurship," FinanzArchiv: Public Finance Analysis, Mohr Siebeck, Tübingen, vol. 69(2), pages 167-193, June.
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Nam, Jouahn & Wang, Jun & Zhang, Ge, 2010. "The impact of the dividend tax cut and managerial stock holdings on corporate dividend policy," Global Finance Journal, Elsevier, vol. 21(3), pages 275-292.
Ruud A. De Mooij, 2012. "Tax Biases to Debt Finance: Assessing the Problem, Finding Solutions," Fiscal Studies, Institute for Fiscal Studies, vol. 33(4), pages 489-512, December.
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Magnus Henrekson & Tino Sanandaji, 2018. "Stock option taxation: a missing piece in European innovation policy?," Small Business Economics, Springer, vol. 51(2), pages 411-424, August.
Henrekson, Magnus & Sanandaji, Tino, 2017. "Stock Option Taxation: A Missing Piece in European Innovation Policy?," Working Paper Series 1168, Research Institute of Industrial Economics, revised 20 Feb 2018.
Henrekson, Magnus & Sanandaji, Tino, 2017. "Schumpeterian Entrepreneurship in Europe Compared to Other Industrialized Regions," Working Paper Series 1170, Research Institute of Industrial Economics, revised 29 Jun 2018.
Lakomaa, Erik & Sanandaji, Tino, 2017. "Integrating community driven care service in European welfare states – nonprofit institutional entrepreneurship as driver for expanding access," SSE Working Paper Series in Economic History 2017:5, Stockholm School of Economics.
Elert, Niklas & Henrekson, Magnus & Stenkula, Mikael, 2017. "Institutional Reform for Innovation and Entrepreneurship: An Agenda for Europe," Working Paper Series 1150, Research Institute of Industrial Economics, revised 16 Feb 2017.
Pontus Braunerhjelm & Magnus Henrekson, 2016. "An Innovation Policy Framework: Bridging the Gap Between Industrial Dynamics and Growth," International Studies in Entrepreneurship, in: David B. Audretsch & Albert N. Link (ed.), Essays in Public Sector Entrepreneurship, edition 1, chapter 0, pages 95-130, Springer.
Braunerhjelm, Pontus & Henrekson, Magnus, 2015. "An Innovation Policy Framework: Bridging the gap between industrial dynamics and growth," Working Paper Series in Economics and Institutions of Innovation 391, Royal Institute of Technology, CESIS - Centre of Excellence for Science and Innovation Studies.
Braunerhjelm, Pontus & Henrekson, Magnus, 2015. "An Innovation Policy Framework: Bridging the Gap between Industrial Dynamics and Growth," Working Paper Series 1054, Research Institute of Industrial Economics.
Magnus Henrekson & Tino Sanandaji, 2011. "Entrepreneurship and the theory of taxation," Small Business Economics, Springer, vol. 37(2), pages 167-185, September.
Henrekson, Magnus & Sanandaji, Tino, 2008. "Entrepreneurship and the Theory of Taxation," Working Paper Series 732, Research Institute of Industrial Economics, revised 01 Sep 2009.
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Köthenbürger, Marko & Stimmelmayr, Michael, 2016. "The Efficiency Costs of Dividend Taxation with Managerial Firms," VfS Annual Conference 2016 (Augsburg): Demographic Change 145649, Verein für Socialpolitik / German Economic Association.
Jacob, Martin & Alstadsæter, Annette, 2013. "Payout policies of privately held firms: Flexibility and the role of income taxes," arqus Discussion Papers in Quantitative Tax Research 152, arqus - Arbeitskreis Quantitative Steuerlehre.
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Magnus Henrekson, 2014. "Entrepreneurship, innovation, and human flourishing," Small Business Economics, Springer, vol. 43(3), pages 511-528, October.
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Alstadsæter, Annette & Jacob, Martin, 2014. "Do dividend taxes affect corporate investment?," arqus Discussion Papers in Quantitative Tax Research 172, arqus - Arbeitskreis Quantitative Steuerlehre.
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Business taxation; Capital income taxation; Corporate governance; Entrepreneurship; Institutions; Tax policy;
H25 - Public Economics - - Taxation, Subsidies, and Revenue - - - Business Taxes and Subsidies
H26 - Public Economics - - Taxation, Subsidies, and Revenue - - - Tax Evasion and Avoidance
H32 - Public Economics - - Fiscal Policies and Behavior of Economic Agents - - - Firm
L26 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Entrepreneurship
NEP-ACC-2015-10-10 (Accounting & Auditing)
NEP-BEC-2015-10-10 (Business Economics)
NEP-CTA-2015-10-10 (Contract Theory & Applications)
NEP-ENT-2015-10-10 (Entrepreneurship)
NEP-INO-2015-10-10 (Innovation)
NEP-PBE-2015-10-10 (Public Economics)
NEP-PUB-2015-10-10 (Public Finance)
NEP-SBM-2015-10-10 (Small Business Management)
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Meeting our client's project goals through design solutions that achieve harmony of function, aesthetics, quality, budget and schedule is the guiding principle of CPZ Architects, Inc.
Founded in 2002 as an S Corporation by Chris P. Zimmerman, AIA, the firm offers the full range of planning and architectural services, managed with the personal attention of the firm's founder on every project from start to finish. We are a Broward County CBE firm with a local staff of 10 employees, 3 of which are registered Architects. This commitment to client satisfaction has built more than 20 long-term client/CPZ relationships and a reputation for superior, responsive client service.
Mr. Zimmerman brought to his firm the unique perspective of both architect and owner. Through his prior experience as principal of an architectural firm and earlier as senior architect with the City of Fort Lauderdale, he brings a distinctly client-oriented point of view, coupled with architectural expertise and project management efficiency, to each CPZ project.
Responsive Design. CPZ Architects' design approach centers on the philosophy, proven by experience, that even the most basic building can be designed to provide an economical, innovative and award-winning solution.
Toward this end, we work in full collaboration with our client to achieve the optimum design solution and desired project results. This collaboration begins with a clear understanding of and commitment to our client's vision, goals and objectives. We listen to our clients. We approach each project with our passion for creativity, technical expertise, commitment, and proven experience.
Functionality, image, and quality requirements are balanced with budgetary and schedule parameters. We focus on value-based design for maximum operational efficiencies and minimum maintenance needs. This focus on value includes a commitment to sustainability. CPZ and our consultants incorporate sustainable design strategies into every project. Our collaborative approach continues throughout project development to ensure that selected options are in accord with all client requirements.
The results of this approach are seen in the success of the diverse designs of the firm, from public safety complexes to parks and recreational facilities that foster pride in the communities they serve. Our integrated approach considers not only the whole building and its many parts, but also its contribution to the environment in which it sits. We continually strive for design excellence, transforming our clients' vision into a striking expression of their mission and principles – delivered on time and in budget with value added each step of the way.
Effective Project Management. Communication and coordination are key elements in CPZ Architects' approach to project management.
On every project, we implement a three-pronged approach to managing the effective and efficient execution of our client's project: (1) Our principal-in-charge, Mr. Zimmerman, participates in every project, providing oversight and ensuring quality of services provided. (2) Our Quality Control Manager, Mr. Robert Wunsch, coordinates with all staff to assure completion of well-detailed and coordinated construction documents using the latest in computer technology; and (3) in-depth project team review meetings are held at each phase of the project, with client participation, to ensure a well-coordinated project.
CPZ serves as the project team's single point of contact for all client communications. The engineering and other professional consultants are chosen for their direct experience and expertise for the specific project. Each shares CPZ's philosophy and commitment to thoroughly coordinated projects.
The result is a record over the last 5 years of obtaining competitive bids within 5% of the client's construction budget, and a change order rate for design changes of less than 8%.
Sustainable Design. Leadership in Energy and Environmental Design (L.E.E.D.) is practiced daily on all our design projects. We have many LEED projects in various stages of the Certification, from certified to just starting. One of our latest projects is the construction of an Ecological Resort in the Florida Everglades which is seeking Platinum Certification. The project will be a hotel and learning center that is sustainable and impacts the land as little as possible and in many instances improves the surrounding land.
Building Lasting Relationships. We strive to not only meet, but exceed our client's expectations at all levels. Our goal is a project that our clients, their community, and we can be proud of.
Our clients appreciate our ready accessibility, immediate response, and quick problem resolution. Personal attention – to client needs, the details of design documents, innovative solutions, and team coordination – is the hallmark of CPZ Architects' professional practice.
As testament to our professionalism, design quality, and dedicated service, we take pride in our record of repeat work for multiple clients – a 75% repeat client rate.


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iccl
Use of facial recognition cameras at new children's hospital hospital 'likely unlawful'
The prospective use of CCTV cameras with facial recognition technology at the new children's hospital in Dublin is "likely unlawful", the Irish Council for Civil Liberties (ICCL) has said.
The contractor responsible for security systems at the hospital has purchased surveillance cameras from Hikvision, some of which have advanced facial recognition technology, according to a recent report from video surveillance news website IPVM.
Chinese-owned Hikvision has been embroiled in scandals over its human rights record, including the use of its cameras in the massive Xinjiang facilities which China calls vocational education and training centres and which rights groups call re-education camps.
Elizabeth Farries, privacy rights expert at ICCL, said: "The new children's hospital contracting face surveillance technology for children accessing medical care would be incredibly invasive. Children are afforded enhanced personal data protections under the law.
"Deploying this tech in this manner would run afoul of those protections. It's expensive, inaccurate, discriminatory, and in this situation, likely unlawful."
The civil liberties group said the controversy over the technology reflects a growing move towards the use of facial recognition tech without a clear basis in law and without adequate tests showing that it is necessary.
Ms Farries said: "To protect everyone's rights, including children's, the state should not install these face surveillance systems in hospitals in the first instance, and certainly not in cooperation with private surveillance companies with controversial rights track records.
"A data protection impact assessment would demonstrate the risks. Has the new children's hospital conducted one?"
In a statement, the National Paediatric Hospital Development Board said: "Less than three per cent of the cameras procured have the potential for high definition facial recognition capabilities. These cameras have many capabilities, and can also be used in the same way as the remaining 97 per cent of the cameras, which do not have facial recognition capabilities.
"It has not yet been decided which aspect of the security systems' capabilities will be used. This decision will be taken nearer the opening of the hospital by Children's Health Ireland and will be fully in line with Irish and European data protection and privacy legislation and guidelines, to ensure that the occupants of the hospital have the appropriate protections and security afforded to them, in line with their privacy rights."
Darryl Broderick: Cliff Richard v The BBC and its effect on Irish privacy law
UK: Cliff Richard wins major privacy lawsuit against the BBC
Mason Hayes & Curran promotes privacy lawyer Jevan Neilan to partner
KOD Lyons welcomes two newly-qualified solicitors


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Chicago Blackhawks vs. Tampa Bay Lightning Live Stream: Watch Online Stanley Cup Finals Game 2 NHL Playoffs Streaming 7:15 PM ET
By Lauren Moranor
Jun 06, 2015 06:39 PM EDT
Chicago Blackhawks, Tampa Bay Lightning, NHL Live Stream, NHL Playoffs, Stanley Cup Playoffs, NHL Western Conference, NHL Eastern Conference
Chicago Blackhawks goalie Corey Crawford prepares for a home game in 2015."
For 53 minutes, the Tampa Bay Lightning looked like they had Game 1 in the bag. The team held strong on defense while maintaining 1-0 lead after an early goal in the first period. However, this is the Stanley Cup Finals and no lead is safe even when a team has home ice advantage. Chicago knocked in two goals back-to-back in order to get the win and now the Blackhawks have the momentum heading into Game 2.
It was a 20-year-old that got the ball rolling for the Blackhawks. Teuvo Teravainen was the first to break through the stout Lightning defense that held for a majority of the game. With 1:58 left in the game, Teravainen cored and then Antoine Vermette knocked in the second to secure the first win of the series.
The Blackhawks are chasing their third Stanley Cup in five years and they certainly looked like a team that has been there before. The veteran roster never quit despite being down for a majority of the game. Corey Crawford held strong with 22 saves while Jonathan Toews and Patrick Kane kept momentum.
"It's pretty amazing," Teravainen said, via ESPN.com. "I know we have a great team. We have a lot of experience, but myself, I'm a young guy here, so I try to bring some energy. Tampa Bay is a really great team. It's a fast game out there. You have to be ready."
Going into Game 2, Tampa Bay looks to come out with the same intensity they have in Game 1. Ben Bishop help until that final stretch in the third period and just simply needs to do much of the same in Game 2. Early in the game, the Lightning tested the defensive line of Chicago that has been overplaying for much of the playoffs. Fatigue was thought to be a factor for the Blackhawks, but they proved to be able to keep up all game.
The Blackhawks got success from unlikely heroes in Game 1. On a roster with veterans that have multiple championship rings, it was a pair of young guns that got the credit. Toews and Kane need to start getting their shots if the Blackhawks will keep up the success.
Watch Blackhawks vs. Lightning Game 2 live stream, click here.


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NIIM Clinic
Home Research Women's Health
The effect of Traditional Chinese Medicine on the management of female infertility
Research – Menstrual Health
The National Institute of Integrative medicine is conducting a study into Menstrual Health.
The menstrual cycle – a mystery, a nuisance, a tabu topic? A window to general health, mood and fertility. What do we know, what don't we know about menstrual health? This survey will help to shed some light on this.
We would like to invite you to take part in an online survey.
Researchers at National Institute of Integrative Medicine in Melbourne in conjunction with University of Adelaide are conducting a project to assess the 'Knowledge, attitude, experience and education about menstrual health' as part of ongoing research into women's health and fertility awareness led by chief investigator Dr Karin Ried.
The survey is online and will take approximately 15-20 minutes to complete.
To participate, please go to: https://www.surveymonkey.com/s/B7997PCM
Participation is voluntary and you can withdraw at any stage of the survey. Participants are assured of confidentiality and responses remain anonymous. Participants can choose to go into a draw to win a prize for taking part. Contact details for the prize draw will not be linked to survey responses.
Both females and males can take part in the survey. There is no age limit.
Men are encouraged to participate in the survey, too, and will take them less time to complete (10-15 min).
A summary of the results will be published in a relevant peer reviewed journal. Participants may request a study summary from the researchers at completion of the project.
We would be most happy to answer any questions you have. Please do not hesitate to contact us.
Thank you for your participation.
Dr Karin Ried
Quality of life, coping strategies and support needs of women seeking Traditional Chinese Medicine for infertility and viable pregnancy in Australia: a mixed methods approach
Ried K, Ann Alfred
BMC Women's Health 2013, 13:17
Infertility: Genetic Factors, Treatment Risks and Benefits, Social and Psychological Consequences
Chapter 1: 'Infertility: The Traditional Chinese Medicine Approach to Fertility Management, Menstrual Health, Fertility Awareness and Emotional Well-Being',
Ried K, Nova Science Publishers Inc. 2013, New York
Efficacy of Traditional Chinese Herbal Medicine in the management of female infertility: A systematic review
Ried K, Keren Stuart
Complement Ther Med. 2011 Dec;19(6):319-31. Epub 2011 Oct 5. Review.
Traditional Chinese Medicine: Women's experiences in the treatment of infertility
Aust Fam Physician 2011 Sep;40(9):718-22.
Special Interest Event: Health Benefits...
Join us for an evening of discussion around medical...
Support our life changing work
As a not for profit, DGR endorsed charitable organisation, NIIM relies on the support of public donations and corporate sponsorships
Donate to NIIM
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The National Institute of Integrative Medicine Ltd is a DGR (deductible gift recipient) endorsed Not-For-Profit organisation.
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A certain shopkeeper sent his son to learn about the secret of happiness from the wisest man in the world. The lad wandered through the desert for 40 days, and finally came upon a beautiful castle, high atop a mountain. It was there that the wise man lived.
Rather than finding a saintly man, though, our hero, on entering the main room of the castle, saw a hive of activity: tradesmen came and went, people were conversing in the corners, a small orchestra was playing soft music, and there was a table covered with platters of the most delicious food in that part of the world. The wise man conversed with everyone, and the boy had to wait for two hours before it was his turn to be given the man's attention.
The wise man listened attentively to the boy's explanation of why he had come, but told him that he didn't have time just then to explain the secret of happiness. He suggested that the boy look around the palace and return in two hours.
"Meanwhile, I want to ask you to do something", said the wise man, handing the boy a teaspoon that held two drops of oil. "As you wander around, carry this spoon with you without allowing the oil to spill".
The boy began climbing and descending the many stairways of the palace, keeping his eyes fixed on the spoon. After two hours, he returned to the room where the wise man was.
The boy was embarrassed, and confessed that he had observed nothing. His only concern had been not to spill the oil that the wise man had entrusted to him.
"Then go back and observe the marvels of my world", said the wise man. "You cannot trust a man if you don't know his house".
Relieved, the boy picked up the spoon and returned to his exploration of the palace, this time observing all of the works of art on the ceilings and the walls. He saw the gardens, the mountains all around him, the beauty of the flowers, and the taste with which everything had been selected. Upon returning to the wise man, he related in detail everything he had seen.
"But where are the drops of oil I entrusted to you?" asked the wise man. Looking down at the spoon he held, the boy saw that the oil was gone.
"Well, there is only one piece of advice I can give you", said the wisest of wise men. "The secret of happiness is to see all the marvels of the world and never to forget the drops of oil on the spoon".
Onwukwe Chimdinma Adriel is the founder of THE AFRO READER - A social enterprise aimed at promoting African Literature. She is also a budding Lawyer who adores Chimamanda Ngozi Adichie and a dedicated lover of African Literature.
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