text:
Backblaze Announces First Quarter 2022 Financial Results
SAN MATEO, Calif., May 05, 2022 (GLOBE NEWSWIRE) — Backblaze, Inc. (Nasdaq: BLZE), a leading storage cloud platform, today announced results for its first quarter, ended March 31, 2022.
"In Q1, our business hit $79 million in annual recurring revenue and grew 27%—an acceleration versus 24% growth in the same period a year ago," said Gleb Budman, CEO of Backblaze. "We also recently announced numerous product and platform enhancements, including our Universal Data Migration, B2 Reserve, Partner API, and the beta launch of Cloud Replication. These advances make it even easier, more strategic, and more cost-effective to store more data with Backblaze. Our fast-growing team continues to execute on our mission of making it astonishingly easy to store, use, and protect data," concluded Mr. Budman.
First Quarter 2022 Financial Highlights:
Revenue of $19.5 million, an increase of 27% year-over-year (YoY).
B2 Cloud Storage revenue was $7.0 million, an increase of 48% YoY.
Computer Backup revenue was $12.3 million, an increase of 18% YoY.
Gross profit of $9.8 million, or 50% of revenue, compared to $7.5 million and 49% of revenue, in Q1 2021.
Adjusted gross profit of $14.8 million, or 76% of revenue, compared to $11.4 million and 75% of revenue in Q1 2021.
Net loss of $(12.5) million compared to a net loss of $(3.7) million in Q1 2021.
Net loss per share of $(0.41) compared to a net loss per share of $(0.20) in Q1 2021.
Adjusted EBITDA of $(3.0) million, or (15)% of revenue, compared to $2.1 million and 14% of revenue in Q1 2021.
Non-GAAP net loss of $(8.7) million compared to non-GAAP net loss of $(2.8) million in Q1 2021.
Non-GAAP net loss per share of $(0.28) compared to a non-GAAP net loss per share of $(0.15) in Q1 2021.
Cash, cash equivalents, and short-term investments totaled $99.1 million as of March 31, 2022.
First Quarter 2022 Operational Highlights:
Annual recurring revenue (ARR) was $79.0 million, an increase of 28% YoY.
B2 Cloud Storage ARR was $28.4 million, an increase of 47% YoY.
Computer Backup ARR was $50.6 million, an increase of 19% YoY.
Net revenue retention (NRR) rate was 112% compared to 111% in Q1 2021.
B2 Cloud Storage NRR was 129% compared to 133% in Q1 2021.
Computer Backup NRR was 104% compared to 104% in Q1 2021.
Gross customer retention rate was 91% compared to 91% in Q1 2021.
B2 Cloud Storage gross customer retention rate was 90% compared to 89% in Q1 2021.
Computer Backup gross customer retention rate was 91% compared to 90% Q1 2021.
Q1 and Recent Business Highlights:
Cloud products and platform:
Universal Data Migration: set of integrated services to make it easy and free for eligible customers to migrate data from a wide variety of cloud and on-premises storage solutions.
Partner API: interface that enables easy integration and management of B2 Cloud Storage within Alliance Partner products and platforms.
B2 Reserve: strategic new offering that provides predictable, capacity-based pricing model.
Cloud Replication (beta): functionality that enables automated data replication for multiple use cases, including geographic distribution to support disaster recovery objectives, reduce concentration risk, serve compliance needs, or move data closer to end users for faster access.
Sales and marketing:
Partnership with SoDA: data management software company, leverages B2 Cloud Storage to free businesses currently trapped in on-premises data storage solutions.
Partnership with Catalogic: virtual machine and Kubernetes backup provider, features immutable backup protection and instant recovery options using B2 Cloud Storage for the developer market.
Joint solution with CTERA: cloud network attached storage (NAS) software company, uses B2 Cloud Storage to ease cloud adoption for businesses moving from on-premises to cloud-based NAS.
Financial Outlook:
Based on information available as of May 5, 2022,
For the second quarter of 2022 we expect:
Revenue between $20.2 million to $20.6 million.
Adjusted EBITDA margin between (19)% to (15)%.
Basic weighted average shares outstanding of 31.0 million to 33.0 million shares.
For full-year 2022 we continue to expect:
Revenue between $83 million to $86 million.
Conference Call Information:
Backblaze will host a conference call today, May 5, 2022 at 1:30 p.m. PT (p.m. ET) to review its financial results.
Attend the webcast here: https://edge.media-server.com/mmc/p/tekoqwt8
Register to listen by phone here: http://www.directeventreg.com/registration/event/3083337
Phone registrants will receive dial-in information via email.
An archive of the webcast will be available shortly after its completion on the Investor Relations section of the Backblaze website at https://ir.backblaze.com.
About Backblaze
Backblaze makes it astonishingly easy to store, use, and protect data. The Backblaze Storage Cloud provides a foundation for businesses, developers, IT professionals, and individuals to build applications, host content, manage media, back up and archive data, and more. With nearly two exabytes of data storage under management, the company currently works with approximately 500,000 customers in over 175 countries. Founded in 2007, the company is based in San Mateo, CA. For more information, please go to www.backblaze.com.
This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which involve risks and uncertainties. These forward-looking statements are frequently identified by the use of forward-looking terminology, including the terms "anticipate," "believe," "continue," "could," "estimate," "expect," "intend," "likely," "may," "plan," "possible," "potential," "predict," "project," "should," "target," "will," "would," or other similar terms or expressions that relate to our future performance, expectations, strategy, plans or intentions, and include statements in the section titled "Financial Outlook" and statements regarding the use and impact of our IPO proceeds.
Our actual results could differ materially from those stated in or implied by the forward-looking statements in this press release due to a number of factors, including but not limited to: market competition, including competitors that may have greater size, offerings, and resources; effectively managing growth; disruption in our service or loss of availability of customers' data; cyberattacks; ability to attract and retain customers; continued growth consistent with historical levels; ability to offer new features on a timely basis; material defects or errors in our software; supply chain disruption; ability to maintain existing relationships with partners and to enter into new partnerships; ability to remediate and prevent material weaknesses in our internal controls over financial reporting; the impact of inflation, the COVID-19 pandemic and other factors relating to our business and the business of our customers, partners, vendors, and supply chain; and general market, political, economic, and business conditions. Further information on these and additional risks, uncertainties, assumptions, and other factors that could cause actual results or outcomes to differ materially from those included in or implied by the forward-looking statements contained in this release are included under the caption "Risk Factors" and elsewhere in our final prospectus dated November 10, 2021 as filed with the Securities and Exchange Commission (the "SEC") pursuant to Rule 424(b)(4) on November 12, 2021 (the "Final Prospectus"), and other filings and reports we make with the SEC from time to time.
The forward-looking statements made in this release reflect our views as of the date of this press release. We undertake no obligation to update any forward-looking statements in this press release, whether as a result of new information, future events or otherwise.
To supplement the financial measures prepared in accordance with generally accepted accounting principles (GAAP), we use non-GAAP adjusted gross margin and adjusted EBITDA margin. These non-GAAP financial measures exclude certain items and are not prepared in accordance with GAAP; therefore, the information is not necessarily comparable to other companies and should be considered as a supplement to, not a substitute for, or superior to, the corresponding measures calculated in accordance with GAAP. We present these non-GAAP measures because management believes they are a useful measure of the company's performance and provide an additional basis for assessing our operating results. Please see the appendix attached to this press release for a reconciliation of non-GAAP adjusted gross margin and adjusted EBITDA margin to the most directly comparable GAAP financial measures.
A reconciliation of non-GAAP guidance measures to corresponding GAAP measures is not available on a forward-looking basis without unreasonable effort due to the uncertainty regarding, and the potential variability of, expenses and other factors in the future. For example, stock-based compensation expense-related charges are impacted by the timing of employee stock transactions, the future fair market value of our common stock, and our future hiring and retention needs, all of which are difficult to predict with reasonable accuracy and subject to constant change.
Adjusted Gross Profit (and Margin)
We believe adjusted gross profit (and margin), when taken together with our GAAP financial results, provides a meaningful assessment of our performance and is useful to us for evaluating our ongoing operations and for internal planning and forecasting purposes.
We define adjusted gross margin as gross profit, exclusive of stock-based compensation expense, depreciation expense of our property and equipment, and amortization expense of capitalized internal-use software included within cost of revenue, as a percentage of adjusted gross profit to revenue. We exclude stock-based compensation, which is a non-cash item, because we do not consider it indicative of our core operating performance. We exclude depreciation expense of our property and equipment and amortization expense of capitalized internal-use software, because these may not reflect current or future cash spending levels to support our business. We believe adjusted gross margin provides consistency and comparability with our past financial performance and facilitates period-to-period comparisons of operations, as this metric eliminates the effects of depreciation and amortization.
We define adjusted EBITDA as net loss adjusted to exclude depreciation and amortization, stock-based compensation, interest expense, income tax provision, unrealized loss on SAFE and gain on extinguishment of debt. We use adjusted EBITDA to evaluate our ongoing operations and for internal planning and forecasting purposes. We believe that adjusted EBITDA, when taken together with our GAAP financial results, provides meaningful supplemental information regarding our operating performance by excluding certain items that may not be indicative of our business, results of operations, or outlook. We consider adjusted EBITDA to be an important measure because it helps illustrate underlying trends in our business and our historical operating performance on a more consistent basis.
Non-GAAP Net Income (Loss)
We define non-GAAP net income (loss) as net income adjusted to exclude stock-based compensation, unrealized loss on SAFE and gain on extinguishment of debt. We believe that non-GAAP net income (loss), when taken together with our GAAP financial results, provides meaningful supplemental information regarding our operating performance by excluding certain items that may not be indicative of our business, results of operations, or outlook.
Key Business Metrics:
Annual Recurring Revenue (ARR)
We define annual recurring revenue (ARR) as the annualized value of all Backblaze B2 and Computer Backup arrangements as of the end of a period. Given the renewable nature of our business, we view ARR as an important indicator of our financial performance and operating results, and we believe it is a useful metric for internal planning and analysis. ARR is calculated based on multiplying the monthly revenue from all Backblaze B2 and Computer Backup arrangements, which represent greater than 98% of our revenue for the periods presented (and excludes physical media revenue), for the last month of a period by 12. Our annual recurring revenue for Computer Backup and B2 Cloud Storage is calculated in the same manner as our overall annual recurring revenue based on the revenue from our Computer Backup and B2 Cloud Storage solutions, respectively.
Net Revenue Retention Rate (NRR)
Our overall net revenue retention rate (NRR) is a trailing four-quarter average of the recurring revenue from a cohort of customers in a quarter as compared to the same quarter in the prior year. We calculate our overall net revenue retention rate for a quarter by dividing (i) recurring revenue in the current quarter from any accounts that were active at the end of the same quarter of the prior year by (ii) recurring revenue in the current corresponding quarter from those same accounts. Our overall net revenue retention rate includes any expansion of revenue from existing customers and is net of revenue contraction and customer attrition, and excludes revenue from new customers in the current period. Our net revenue retention rate for Computer Backup and B2 Cloud Storage is calculated in the same manner as our overall net revenue retention rate based on the revenue from our Computer Backup and B2 Cloud Storage solutions, respectively.
Gross Customer Retention Rate
We use gross customer retention rate to measure our ability to retain our customers. Our gross customer retention rate reflects only customer losses and does not reflect the expansion or contraction of revenue we earn from our existing customers. We believe our high gross customer retention rates demonstrate that we serve a vital service to our customers, as the vast majority of our customers tend to continue to use our platform from one period to the next. To calculate our gross customer retention rate, we take the trailing four-quarter average of the percentage of cohort of customers who were active at the end of the quarter in the prior year that are still active at the end of the current quarter. We calculate our gross customer retention rate for a quarter by dividing (i) the number of accounts that generated revenue in the last month of the current quarter that also generated recurring revenue during the last month of the corresponding quarter in the prior year, by (ii) the number of accounts that generated recurring revenue during the last month of the corresponding quarter in the prior year.
Additional Key Business Metrics Calculation Notes
The metrics for net revenue retention rate and gross customer retention rate are currently calculated using only those customers paying by credit card and exclude customers paying by invoice utilizing a different system. The amounts related to the number of customers paying by invoice has historically been immaterial.
James Kisner,
Vice President of Investor Relations
ir@backblaze.com
Patrick Thomas
Head of Publishing
press@backblaze.com
BACKBLAZE, INC.
CONDENSED BALANCE SHEETS
(in thousands, except share and per share data)
March 31, December 31,
Cash and cash equivalents $ 19,290 $ 104,843
Accounts receivable, net 241 309
Short-term investments 79,843 —
Prepaid expenses and other current assets 5,913 5,930
Total current assets 105,287 111,082
Property and equipment, net 43,678 43,068
Operating lease right-of-use assets 4,677 —
Capitalized software, net 8,689 7,637
Total assets $ 164,204 $ 163,581
Accounts payable $ 2,528 $ 2,075
Accrued expenses and other current liabilities 6,138 5,109
Accrued value-added tax ("VAT") liability 2,957 2,511
Finance lease liabilities and lease financing obligations, current 15,107 13,645
Operating lease liabilities, current 1,953 —
Finance lease liabilities and lease financing obligations, non-current 18,984 19,603
Operating lease liabilities, non-current 3,165 —
Deferred revenue, non-current 3,195 3,132
Other long-term liabilities 38 298
Stockholders' Equity
Class A common stock, $0.0001 par value; 113,000,000 shares authorized as of March 31, 2022 and December 31, 2021, respectively; 9,019,361 and 8,227,992 shares issued and outstanding as of March 31, 2022 and December, 31, 2021, respectively. 1 1
Class B common stock, $0.0001 par value; 37,000,000 shares authorized as of March 31, 2022 and December 31, 2021; 21,795,112 and 22,156,842 shares issued and outstanding as of March 31, 2022 and December 31, 2021, respectively. 2 2
Accumulated deficit (48,873 ) (36,343 )
Total stockholders' equity 87,568 95,486
Total liabilities and stockholders' equity $ 164,204 $ 163,581
CONDENSED STATEMENTS OF OPERATIONS
Revenue $ 19,490 $ 15,312
Cost of revenue 9,681 7,830
Gross profit 9,809 7,482
Research and development 7,941 4,269
Sales and marketing 8,029 3,777
General and administrative 5,528 2,253
Loss from operations (11,689 ) (2,817 )
Interest income 75 —
Interest expense (948 ) (871 )
Loss before provision for income taxes (12,562 ) (3,688 )
Income tax (benefit) provision (32 ) —
Net loss $ (12,530 ) $ (3,688 )
Net loss per share, basic and diluted $ (0.41 ) $ (0.20 )
Weighted average shares used in computing net loss per share attributable to Class A and Class B common stockholders, basic and diluted 30,541,942 18,679,110
CONDENSED STATEMENTS OF CASH FLOWS
Adjustments to reconcile net loss to net cash (used in) provided by operating activities:
Net accretion of discount on investment securities (61 ) —
Amortization of right-of-use assets and other 541 —
Depreciation and amortization 4,863 4,010
Stock-based compensation 3,835 908
(Gain) loss on disposal of assets and other adjustments (1 ) 16
Accounts receivable 68 (15 )
Prepaid expenses and other current assets (391 ) (183 )
Other assets 91 (27 )
Deferred contract costs 238 187
Accounts payable 462 326
Accrued expenses and other current liabilities 1,187 89
Accrued VAT liability 446 19
Operating lease liabilities (528 ) —
Other long-term liabilities (32 ) (148 )
Net cash (used in) provided by operating activities (900 ) 2,515
Purchases of marketable securities (79,782 ) —
Proceeds from disposal of property and equipment 1 13
Purchases of property and equipment, net (516 ) (2,610 )
Capitalized internally-developed software costs (1,180 ) (911 )
Net cash used in investing activities (81,477 ) (3,508 )
Principal payments on finance leases and lease financing obligations (3,405 ) (2,801 )
Payments of deferred offering costs (658 ) (755 )
Proceeds from debt facility — 1,256
Repayment of debt facility — (1,256 )
Proceeds from finance lease — 2,784
Proceeds from exercises of stock options 887 148
Net cash used in financing activities (3,176 ) (624 )
Net decrease in cash and cash equivalents (85,553 ) (1,617 )
Cash, cash equivalents and restricted cash at beginning of period 105,012 6,076
Cash, cash equivalents and restricted cash at end of period $ 19,459 $ 4,459
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest $ 948 $ 849
Cash paid for income taxes $ 26 $ —
Cash paid for operating lease liabilities $ 598 $ —
SUPPLEMENTAL DISCLOSURE OF NON-CASH INVESTING AND FINANCING ACTIVITIES
Stock-based compensation included in capitalized software $ 383 $ 52
Accrued bonus classified as stock-based compensation $ 493 $ —
Equipment acquired through finance lease obligations $ 4,451 $ 3,306
Accruals related to purchases of property and equipment $ 124 $ 1,144
Operating lease right-of-use assets recognized upon adoption of ASC 842 $ 5,220 $ —
RECONCILIATION OF CASH, CASH EQUIVALENTS AND RESTRICTED CASH
Restricted cash – included in other assets $ 169 $ —
Total cash, cash equivalents and restricted cash $ 19,459 $ 4,459
RECONCILIATION OF GAAP TO NON-GAAP DATA
Adjusted Gross Profit and Adjusted Gross Margin
(in thousands, except percentages)
Gross profit $ 9,809 $ 7,482
Stock-based compensation 276 85
Adjusted gross profit $ 14,755 $ 11,432
Gross margin 50 % 49 %
Adjusted gross margin 76 % 75 %
Net interest expense 873 871
Income tax benefit (32 ) —
Adjusted EBITDA $ (2,991 ) $ 2,101
Adjusted EBITDA margin (15) % 14 %
Non-GAAP Net Loss
Non-GAAP net loss $ (8,695 ) $ (2,780 )
SUPPLEMENTAL FINANCIAL INFORMATION
Cost of revenue $ 276 $ 85
Research and development 1,555 399
Sales and marketing 1,134 189
General and administrative 870 235
Total stock-based compensation expense $ 3,835 $ 908
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text:
Travelers Unlimited Group
State Nevada
City Las Vegas
Address 101 Convention Center Dr
Website https://travelersunlimited.club
Travelers Unlimited Group Reviews
I need witnesses/victims of fraud to come forward, investigation ongoing.
In May of 2017, my wife and I were on vacation in Las Vegas. We were staying at a Diamond Resort location on a "Sampler" package, which allowed us to experience different locations without purchasing a time share. However, on this particular stay we decided to purchase one. Shortly after the purchase we started to have second thoughts. On the final day with Diamond Resorts, we noticed a note on our door, it referenced information that regarded a purchase of a time share, and that there is still time to act and not pay for an expensive time share, and/or propose an offer.
We called the number on the note and met Andre Clarke, Stephen Luter, and staff at 101 Convention Centre Dr, Ste 350, Las Vegas, NV, 89109. Andre explained the urgency to cancel the contract, and the procedures to do so.
He said, "Whether you purchase anything from us, or not, I will request and exercise our right to cancel." Andre did handle the cancellation. I asked Andre how he got the notes on the doors at the resort. Andre stated that he paid the cleaning staff to post the notes. He pulled out a large roll of cash from his pocket to show me and said "this is what I use to pay the staff."
Andre then started to speak about his vacation program that had remarkable savings in the U.S., and abroad. And this package had no maintenance fees and expensive real estate investment like "Diamond Resorts." He then turned his monitor toward us and presented a page (on-line site) that had appeared to show hotel/resorts at very reasonable rates, from 50% to 80% off the regular price, and we kept asking, "This is the price for a week?" He said "Yes" and continued to show us more places that presented great offers. I noticed that the platform incorporated "Trip Advisor." And I was familiar with "Trip Advisor", but Andre was showing us much greater savings, partly by stating that the total week was near the cost of one night. Andre did convince us on the benefit of the membership, and with the savings it had appeared to be legitimate.
Andre indicated that the cost of the package would be $6795.00, if paid in cash, and would be considerably more if by credit card. We weren't sure at this moment, and that's when Andre had pointed out that we were just contracted to pay at least three times more with "Diamond Resorts," and obligated for life to pay the maintenance fees. His statements had an impact on us. Andre also mentioned that we would be enrolled in Tug Inc. (another Andre Clarke business) and allowed to sell at least three weeks of vacation time in and around the Orlando area (Disney vacation time), which would pay us $750 per week rental, a total of $2250.00. I ran the math and concluded that we would see a return in our investment on or about three years' time.
My wife and I considered the offer to be legit, and we agreed. Andre moved quickly on having me transfer the funds to his account, and at the same time a contract was drafted by Stephen Luter. Once the payment went through, matters of paperwork and the final farewell went rapidly. It concerned me a little, but we were assured everything was in order.
The first concern after the fact was we were not provided the Tug Inc. Contract (eventually it was emailed to us). Andre explained that we wouldn't see a payment until June of 2018. Unfortunately, the contract with Tug Inc. ended up to be a deceptive and fraudulent act, and resulted in $00.00 return to us.
The second concern was the contract with "Traveler's Unlimited Group" where we paid $6795.00. Stephen Luter utilized "DocuSign" as the initials and signatures throughout the contract. My wife and I did not create or authorize either the initials or the signatures. And I cannot explain how the contract was finalized. Note: It appeared there were and are two business names; Travelers Unlimited Group, and Travelers Unlimited Group Inc. (Andre Clarke).
Eventually, we had access to "Travelers Unlimited Group's" web site. We started to navigate the on-line site for similar discounts as shown to us by Andre Clarke, and that's when we both realized that something wasn't right, we weren't seeing the savings and discounts that Andre displayed to us. After a few emails to Andre that expressed our concerns, he eventually stopped communicating with us.
I did call his (Andre Clarke) office in December of 2017 to receive that Tug Inc. rental enrollment form that supposedly allowed a member to sell three weeks per year at $750.00 per week, with a return of $2250.00. The document was submitted to Andre Clarke, and when June of 2018 came, the time frame we would have received the money, it was realized to be fraudulent, no notification or payment was provided to us.
Andre Clarke, Stephen Luter, and staff acted with intentions to swindle money by vulnerabilityIn May of 2017, my wife and I were on vacation in Las Vegas. We were staying at a Diamond Resort location on a "Sampler" package, which allowed us to experience different locations without purchasing a time share. However, on this particular stay we decided to purchase one. Shortly after the purchase we started to have second thoughts. On the final day with Diamond Resorts, we noticed a note on our door, it referenced information that regarded a purchase of a time share, and that there is still time to act and not pay for an expensive time share, and/or propose an offer. We called the number on the note and met Andre Clarke, Stephen Luter, and staff at 101 Convention Centre Dr, Ste 350, Las Vegas, NV, 89109. Andre explained the urgency to cancel the contract, and the procedures to do so. He said, "Whether you purchase anything from us, or not, I will request and exercise our right to cancel." Andre did handle the cancellation. I asked Andre how he got the notes on the doors at the resort. Andre stated that he paid the cleaning staff to post the notes. He pulled out a large roll of cash from his pocket to show me and said "this is what I use to pay the staff."
I need victims/witnesses for an ongoing investigation...
Andre Clarke, Stephen Luter, and staff acted with intentions to swindle money by vulnerability, deception, fraud, and untruthfulness.
In May of 2017, my wife and I were on vacation in Las Vegas. We were staying at a Diamond Resort location on a "Sampler" package, which allowed us to experience different locations without purchasing a time share. However, on this particular stay we decided to purchase one. Shortly after the purchase we started to have second thoughts. On the final day with Diamond
Resorts, we noticed a note on our door, it referenced information that regarded a purchase of a time share, and that there is still time to act and not pay for an expensive time share, and/or propose an offer.
We called the number on the note and met Andre Clarke, Stephen Luter, and staff at 101 Convention Centre Dr, Ste 350, Las Vegas, NV, 89109. Andre explained the urgency to cancel the contract, and the procedures to do so. He said, "Whether you purchase anything from us, or not, I will request and exercise our right to cancel." Andre did handle the cancellation. I asked Andre how he got the notes on the doors at the resort. Andre stated that he paid the cleaning staff to post the notes. He pulled out a large roll of cash from his pocket to show me and said "this is what I use to pay the staff." Andre then started to speak about his vacation program that had remarkable savings in the U.S., and abroad. And this package had no maintenance fees and expensive real estate investment like "Diamond Resorts." He then turned his monitor toward us and presented a page (on-line site) that had appeared to show hotel/resorts at very reasonable rates, from 50% to 80% off the regular price, and we kept asking, "This is the price for a week?" He said "Yes" and continued to show us more places that presented great offers. I noticed that the platform incorporated "Trip Advisor." And I was familiar with "Trip Advisor", but Andre was showing us much greater savings, partly by stating that the total week was near the cost of one night. Andre did convince us on the benefit of the membership, and with the savings it had appeared to be legitimate. Andre indicated that the cost of the package would be $6795.00, if paid in cash, and would be considerably more if by credit card.
We weren't sure at this moment, and that's when Andre had pointed out that we were just contracted to pay at least three times more with "Diamond Resorts," and obligated for life to pay the maintenance fees. His statements had an impact on us. Andre also mentioned that we would be enrolled in Tug Inc. (another Andre Clarke business) and allowed to sell at least three weeks of vacation time in and around the Orlando area (Disney vacation time), which would pay us $750 per week rental, a total of $2250.00. I ran the math and concluded that we would see a return in our investment on or about three years' time. My wife and I considered the offer to be legit, and we agreed.
Andre moved quickly on having me transfer the funds to his account, and at the same time a contract was drafted by Stephen Luter. Once the payment went through, matters of paperwork and the final farewell went rapidly. It concerned me a little, but we were assured everything was in order. The first concern after the fact was we were not provided the Tug Inc. Contract (eventually it was emailed to us). Andre explained that we wouldn't see a payment until June of 2018. Unfortunately, the contract with Tug Inc. ended up to be a deceptive and fraudulent act, and resulted in $00.00 return to us. The second concern was the contract with "Traveler's Unlimited Group" where we paid $6795.00. Stephen Luter utilized "DocuSign" as the initials and signatures throughout the contract. My wife and I did not create or authorize either the initials or the signatures. And I cannot explain how the contract was finalized. Note: It appeared there were and are two business names; Travelers Unlimited Group, and Travelers Unlimited Group Inc. (Andre Clarke).
Eventually, we had access to "Travelers Unlimited Group's" web site. We started to navigate the on-line site for similar discounts as shown to us by Andre Clarke, and that's when we both realized that something wasn't right, we weren't seeing the savings and discounts that Andre displayed to us. After a few emails to Andre that expressed our concerns, he eventually stopped communicating with us. I did call his (Andre Clarke) office in December of 2017 to receive that Tug Inc. rental enrollment form that supposedly allowed a member to sell three weeks per year at $750.00 per week, with a return of $2250.00. The document was submitted to Andre Clarke, and when June of 2018 came, the time frame we would have received the money, it was realized to be fraudulent, no notification or payment was provided to us.
Write a Review about Travelers Unlimited Group

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Artificial Intelligence: Nearly nine million British jobs could be lost to AI by 2030?
Nearly nine million British jobs could be destroyed over the next two decades (and proportionately similar numbers in the other developed nations, for example USA, Canada, Germany, Japan, we must assume,) as robots and Artificial Intelligence displace human workers. People working in retail, manufacturing and business support services are most at risk, figures released by The Department Of Work and Pensions reveal. But government ministers said regions across Britain are prepared for the challenge posed by robots and are in the process of creating jobs which are at lower risk from AI. Employment Minister Alok Sharma told The Daily Mail website MailOnline: "Every industrial revolution has eventually resulted in more jobs being created than lost in the economy."
The minister added, "Whilst jobs which can be automated are currently most at risk from the impact of robots, jobs which require more cognitive and people skills are on the increase. This means that our jobs market is absorbing the impact of robots and more people are in work than ever before. And as companies look to technology to boost productivity, this can be an opportunity for a generation of workers who, armed with new skills, can enjoy the jobs of the future. That is why I am determined to make sure we are investing in retraining opportunities, allowing people to forge new careers."
Tech enthusiasts dismiss this, saying that the next generation of robots will have human like intelligence and be capable of carrying out and task a human can. If nothing else the figures lay bare the massive change to Britain's industrial landscape which looms on the horizon thanks to AI and ought to make politicians aware they need to start planning for the social consequences of this rather than pandering to the tech corporations, most of which have proved irresponsible and ethically dysfunctional.
While governments are offering corporate businesses tax breaks and other incentives to adopt technology to boost productivity they are not thinking about the downside. "This can be an opportunity for a generation of workers who, armed with new skills, can enjoy the jobs of the future," one politician smarmed.
As usual where "science and technology" are involved, they hype is far outstripping the reality. Artificial Intelligence is a meaningless term bandied about by tech wankers for sixty years and yet we are no nearer to creating a truly intelligent computer now than we were then. As you read this page think for a moment that a computer can be loaded with all the words on this page and detained definitions for each. And then you can enter a command to make the computer parse these words. And at the end of the task the computer will have no more idea what the page is about than a similar machine that has been wiped clean of all its data, siftware and firmware.
Technology Rules You
Artificial Intelligence and Jobs
Documents Reveal Facebook's Biased, Convoluted Censorship Policies
Japanese researchers develop a prototype humandroid to replace human labourers
The Internet Of Things (poem)
The "Hello World!" ML trap
John Mackie in Towards Data Science
DNA in Your Brain Could Reveal What Makes You Human
Sritan Motati in TechTalkers
What Makes a Data Scientist Stand Out?
Renato Boemer in Towards Data Science
The Slowest Modern Programming Languages
Mohammed Ayar in Towards Data Science
Australia's Surprising Origin As A Prison At The Edge Of The World
Grant Piper in Exploring History


Nearly every time I run someone's credit, I get asked questions like "will running my credit HURT my credit score?" or "how can I fix my credit?"
Your credit score is the single biggest factor in getting a new home loan. If your score is above 720, you can possibly qualify for a $1 million home with very little money down. If your score is below 500 and you have $1 million in the bank, you may have trouble qualifying for this exact same home. Your interest rate will certainly be different.
Credit scores are central to the loan process. Nearly every lender uses them. The better your credit, the lower the risk to the bank, the lower your interest rate.
Most lenders use your FICO score to determine whether or not you qualify for a home. It's such an important issue that you and your clients should understand the basics of the credit reporting system and the many myths surrounding it.
Credit scores give lenders a fast, objective and impartial snapshot of a person's credit risk based on their credit history.
That's why lenders use FICO credit scores when making credit decisions. The higher the individual's score, the lower the risk to lenders when extending new credit to that person. Its fast, easy, and, usually, effective.
Think about your credit report as a story about your financial life, as told through your credit history. This has nothing to do with you personally. Everything is there from the first credit card you got out of high school to your cell phones to your most recent mortgage. It all has a very telling payment history. Some of it is good and some of it maybe not-so-good. Regardless, it tells a lender what he needs to know about you. It tells the lender how committed you have been, historically, to paying your bills, both big and small, on time.
It simply tells us how risky it is to loan you money.
A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring. It is a method of determining the likelihood that credit users will pay their bills. It helps lenders determine the "risk" in granting you a loan.
This method has become widely accepted by lenders as a reliable means of credit evaluation. A credit score attempts to condense a borrower's credit history into a single number. Fair, Isaac & Co. and the credit bureaus do not reveal how these scores are computed and The Federal Trade Commission has ruled this to be acceptable.
Credit scores are calculated by using scoring models and mathematical tables that assign points for different pieces of information which best predict future credit performance. It basically gives us a risk rating today of how likely you are, compared to the rest of the people in the U.S., of paying your bills tomorrow.
Credit scores measure the likelihood of default, so credit scores are generated using factors that have been found to predict credit risk. These factors are not weighted evenly and several minor instances may indicate a higher risk than one major, but isolated, credit problem.
1. Late payments, delinquencies, bankruptcies: Past inability to pay on time will hurt your chances of getting credit in the future. More recent problems will be counted more heavily than those in the past.
There are really three FICO scores computed by data provided by each of the three major bureaus--Experian, Trans Union and Equifax.
Most lenders use the middle of these three scores. For example, if Experian gave you a 689, Trans Union 704, and Equifax 696, we would throw out the top score (Trans Union 704), throw out the bottom score (Experian 689) and use the middle score of 696 from Equifax.
Your FICO score for the purposes of our loan would be 696.
The bureaus don't all share the same data and thus all have different scores . One bureau may list more accounts for you than another, for example, and the differences (in types of accounts, payment histories, credit limits and balances) will be reflected in the score that bureau computes for you.
Because of those differences, it makes sense to pull and examine your credit reports from all three bureaus before you apply for a mortgage. Fixing errors in all three reports before you shop for a loan is smart. We will discuss how to get a copy of your credit report and how to fix it later in this newsletter.
Credit scores generally range from the mid-300's to a perfect score of 850.
The following will give you a general idea of what your score tells lenders, but remember there are no set rules. Different products and lenders use different guidelines for what is an acceptable score.
Also, there will usually be differences in the scores calculated by each of the three credit bureaus. As stated, lenders will often use the middle of your three scores.
720+ = Excellent credit. You should have no problems as most loan programs will be available to you.
680 - 719 = Good credit. You should have few problems depending on what product you seek.
620 - 679 = Lender has to take a closer look at your file but should be able to qualify you for a loan. Some products may not be available.
570 - 619 = Higher risk; you will not be eligible for the best rates and products. Products will be limited.
Below 570 = Very high risk. Products will be limited and other factors will need to be considered.
The average person in the U.S. has a credit score around 675. As you can see on the list above, the average borrower's file needs a "closer look" and is not a "slam-dunk."
HOW DOES MY SCORE AFFECT MY INTEREST RATE?
The better your score, the lower the risk to the lender, the lower your interest rate.
Let's say that John Doe is buying a new house for $300,000. He is employed, can document his income through his tax returns, and has enough funds verified in the bank to put 20% down on the purchase of his new $300,000 home. He wants a 30-year fixed mortgage.
Below you will find an example of how Mr. Doe's interest rate may fluctuate based on his credit score.
This is a primary example of why when you ask your lender, "what is the rate today?" the answer is not simple unless they know the credit score and financial profile of the borrower. Rates change based primarily on credit scores, use (owner-occupied vs. investment), income documentation, down payment, and availability of funds.
WHAT FACTORS MAKE UP MY SCORE?
DOES MY CREDIT SCORE GO DOWN EVERY TIME IT IS CHECKED?
If you do all your shopping around in a short period, and it is focused on just getting a new home loan, then the answer is "no".
Credit inquiries are a negative factor in determining credit scores. That's because statistical studies show that multiple inquiries are associated with high risk of default. Distressed borrowers often contact many lenders hoping to find one who will approve them.
Multiple inquiries can also result from applicants shopping for the best deal. The credit bureaus understand this and do not penalize you for it.
Credit scorers usually ignore inquiries, from a same industry, that occur within 30 days of a score date. Suppose I shopped a lender on May 30, for example, and the lender has my credit scored that day. Even if I had shopped 50 other lenders in May and they had all checked my credit, none of those inquiries would affect my credit score on May 30.
Now, if you are also shopping for a new car, a new big screen TV, and applying for new credit cards during this same period, yes, that will create negativity on your credit report.
Remember, this score is assessing the "risk" in giving you a new loan. If you are contacting may different types of lenders for many different products, you are giving the appearance of extending your credit our further and that makes you more risky.


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How To Handle Situations Not Covered By State Notary Laws
By David Thun on November 20, 2017
Updated 12-16-19. No matter how detailed your state's laws are, eventually Notaries will encounter situations where the law is silent and provides no guidance. What do you do then? You follow the "Standard of Care" — in other words, time-tested practices to ensure you perform your duties in an honest and ethical manner.
Three experts — Michael Closen, Professor of Law Emeritus at the John Marshall Law School; Kathleen Butler, Executive Director of the American Society of Notaries; and Ozie Stallworth, Director of Electronic Notarization and Notary Enforcement for the North Carolina Department of the Secretary of State — share their thoughts about what these standards are, how Notaries can learn about them, and how they help and protect Notaries.
Ambiguous Situations
No matter where they work, Notaries can encounter a surprising variety of requests. Customers come to Notaries with requests to notarize school forms for children, real estate documents, powers of attorney, car title transfers and much more. Notaries may be asked to perform services not only for customers, but for friends and family members as well. It's small wonder that many Notaries eventually run into situations where state law gives them no instructions.
For example, Notaries in California are not permitted to notarize documents that give them a direct financial or beneficial interest beyond their Notary fee. But, what if the Notary's husband asks her to notarize a document that grants him a large sum of money? California doesn't prohibit notarizing for a family member, and the money isn't going to the Notary. Is there a conflict of interest because the Notary is married to the signer? In this case, the California Notary would have to rely on recommended professional standards of care instead of clearly defined rules in statute.
What Is A "Standard Of Care" For Notaries?
What exactly is a standard of care, and how does it apply to situations like this? Essentially, it means taking extra steps to ensure you act ethically and professionally when notarizing, even if your state law doesn't specifically tell you to.
"Given the high responsibility of the duties Notaries Public perform, what is prudent and reasonable for them?" Butler asked. "To maintain their commissions and perform official acts in strict compliance with applicable laws and rules; to behave ethically in all matters; to follow professional best practices; to use commonsense judgment; and to know the boundaries of their notarial authority."
Finding guidance outside of state law can help you determine the best ethical choice. One resource is The Notary Public Code of Professional Responsibility, an ethical code created by the NNA with input from Notary and legal experts to help guide Notaries when state laws aren't clear. While the recommendations in the Code aren't mandatory, they are designed to help Notaries make informed and ethical choices in ambiguous situations.
In the situation of the California Notary and her husband above, the Code advises against notarizing for a close relative because, even if state law allows it, someone might see the Notary's relationship to the signer as a sign of possible bias and challenge the notarization in court. The woman tells her husband to find a different Notary to ensure that there is no appearance of impropriety — in other words, she has chosen to adhere to the best standard of care.
Practice Standards Of Care
Closen, one of the nation's leading experts on Notary law, said that when statutes don't clearly address a legal dispute involving a notarization, courts will often look to see how the Notary chose to perform his or her duties in the absence of clear instructions. If the Notary is shown to have made a reasonable effort to act ethically and follow best practices, the court is more likely to look favorably on the Notary's conduct.
"Best practices have to be time-tested, and more importantly they have to be a method that people of integrity and diligence would follow," he said.
The experts offered examples of sound Notary practices:
Always using a seal. A number of states do not require Notaries to use a seal or stamp. However, it's common for notarized documents without seals to be questioned or even rejected when sent to another state or country. Closen said that no state forbids the use of a seal and many that don't require it still have recommended guidelines for its use. It is a good standard of professional conduct for Notaries in states that don't require seals to still use them for every notarization.
"In many jurisdictions, the presence of a seal is seen as evidence that the Notary had authority to act and acted in compliance with the law," Closen said. "If you send a notarized U.S. document without a seal to a foreign country, you might as well not have bothered sending it in the first place. If they don't get a seal, it will bounce back."
Always keep a Notary journal. While more than half of all U.S. states do not require their Notaries to keep journal records, Stallworth said that making a careful record of your notarizations is one of the best sources of evidence that you acted professionally if you are ever questioned or sued over a notarization in a court case. "Journals can help establish a verifiable pattern of professional conduct for Notaries," he said. "Being able to demonstrate a consistent, professional and methodical manner in which a Notary consistently performs notarizations will add credibility if a notarial act is ever called into question."
Where To Go For Guidance?
If the laws of your state don't cover a situation you run into, where can you turn for help? Here are a few suggestions:
State Notary-regulating agencies: Even if state law doesn't provide you with instructions, you may be able to get help by calling your state's Notary-regulating office. Many states also publish complimentary handbooks or manuals for Notaries that cover statutory requirements and sometimes offer recommendations for situations not spelled out in the law.
Professional Associations: Professional associations for Notaries such as the National Notary Association and the American Society of Notaries provide assistance, information and publications on state Notary laws and recommended ethical practices to members. These associations can help point you in the right direction if you run into a situation where you're unsure how to proceed.
RULONA: The Revised Uniform Law on Notarial Acts (RULONA) has not only been adopted as law by many states, but also provides guidelines and recommendations for many unusual notarial situations that aren't always covered by formal rules in every jurisdiction.
David Thun is an Associate Editor at the National Notary Association.
5 Steps To A Proper Notarization
When To Say 'No' … And When Refusing A Notarization Is Not Allowed
View All: Best Practices
Barbara Rach
Thank you, this report was most informative & wise. Please informing all notoaries/Notary Signing agents. I'm not one officially yet, be will be soon, I hope. Barbara Rach
Ray Howard
Great information


The 71st edition of the Glengarry Highland Games was, as usual, a colourful and lively event.
Check out some of The News reporter Tara MacDonald's outstanding photos on Facebook here.
Full full Games coverage, check out this week's edition of The Glengarry News. We will have additional results in the newspaper next week as well.


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The first female and the forestry technician have been registered in the latest intake for John Deere's apprenticeship scheme.
The scheme, managed by training provider ProVQ, is celebrating its 25th anniversary and this year 34 apprentices have signed up to begin work-based training in the Ag Tech, Parts Tech and Turf Tech advanced apprenticeship programmes.
Among them is Zoe Parker, from the dealer Ben Burgess Coates, who will be on the Ag Tech course, and forestry apprentice Matthew McPherson of John Deere Forestry in Carlisle.
The apprentices, their families and sponsoring dealers attended an induction day at John Deere's Langar headquarters and were given a tour of the branch and a ride-and-drive session with the latest Gator utility vehicles.
They also visited the new John Deere Apprentice Training Centre at nearby Radcliffe-on-Trent in Nottinghamshire. This is the British agriculture and turf industry's first and only purpose-built apprentice training facility, designed specifically and solely for John Deere dealer apprentices.
In addition, the dealers took part in an employer's workshop, which provided an overview of developments to the scheme for 2017 and what will be required in terms of apprentice mentoring, support and career opportunities. This is in line with plans for the new Government-led apprenticeship framework that has recently been announced, which aims to attract 3 million starters by 2020.
John Deere's apprenticeship scheme was the first land-based agricultural and turf machinery programme to deliver training in the workplace, at the sponsoring dealership, with assessment and guidance from ProVQ's team of expert assessors. Additional block release training takes place at the new Apprentice Training Centre.
The three-year Ag and Turf Tech apprenticeships lead to IMI Level 2 and 3 Diplomas in Landbased Engineering. Each year group trains at the centre for eight weeks a year in four blocks of two weeks, with some days spent at Langar when working with larger machines such as combines and self-propelled forage harvesters.
The two-year Parts Tech apprenticeship, leading to a Level 3 Diploma in Vehicle Parts Competence, is mostly work-based at the sponsoring dealer, with four weeks of training taking place at Langar.
Graduating apprentices can then complete three free courses to gain the John Deere Diploma and start their adult training at the John Deere University (JDU), using the knowledge and skills gained from their initial one, two or three-year apprenticeship. After additional training and experience, they can ultimately go on to achieve the highest possible LTA4 Master Technician accreditation.
Ag Tech was the first such scheme to be introduced in the UK and won a National Training Award at the end of 1997, the only one ever made to an agricultural machinery apprenticeship programme. Since the first programme started in 1992, more than 600 apprentices have graduated through all the training programmes and been employed in the company's nationwide dealer network.
Lewis Aitchison, RBM Agricultural, Brigg; Billy Anderson, J & S Montgomery, Beith; Ryan Bird, P Tuckwell, Dunmow; Louis Cooper, Ben Burgess & Co, Beeston; Corey Dennis, Smallridge Bros, Holsworthy; Harrison Dickens-Smith, Sharmans Agricultural, Pytchley; Harry Donaldson, Thomas Sherriff & Co, Haddington; Ryan Dymott, Tallis Amos Group, Evesham; Callum Floyd, Smallridge Bros, Callington; Edward Green & Jake Wagstaff, P Tuckwell, Maulden; Luke Haggarty, R Hunt, Tilshead; Jake Hillier, R Hunt, Chilbolton; Tom Hunter, Rea Valley Tractors, Sudbury; Sam Johns, Cornwall Farm Machinery, Penzance; Adam Leckenby, RBM Agricultural, Malton; John Mackay & Tom Wagg, Ben Burgess & Co, Norwich; Matthew McPherson, John Deere Forestry, Carlisle; Harry North, Sharmans Agricultural, Grantham; Zoe Parker, Ben Burgess & Co, Coates; Fraser Paton, HRN Tractors, Turriff; Sam Prager, P Tuckwell, Ardleigh; Sean Rickwood, Ben Burgess & Co, Newmarket; William Smith, Tallis Amos Group, Dursley; Harvey Spells, Ben Burgess & Co, Aylsham; Callum Stanton, Farol, Midhurst; William Vooght, Masons Kings, Chudleigh; Sam Ward, Ripon Farm Services, Tadcaster; Garry Young, Thomas Sherriff & Co, Stow.
Jake Stacey, Smallridge Bros, Callington.
Ben Cobbold, Tomlinson Groundcare, Stowmarket; Nathanael Kendall, Balmers Garden Machinery, Burnley; Tom Legard, Farol, Milton Common.


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The Haunting of Hill House Review
October 25th, 2018 Michael Bizier Reviews
Your heart pounds inside your chest. There is something dreadfully wrong with your wife, and your children are in danger. Who would have thought a simple house flip could descend into something so terrifying? You hurriedly get your children to the car, fearing for their lives while ignoring their own panicked cries of confusion. All the while you begin to understand their strange stories about the house – things begin to, even momentarily, make sense. As you start the car to leave the horrors of Hill House in the rear view, you wonder: will your family ever truly escape this place?
Inspired by Shirley Jackson's 1959 novel of the same name, The Haunting of Hill House follows the Crain family's tragic experiences in a haunted house and the impact those events have on their lives 26 years later. Forgoing the blood, guts, and gore of standard horror fare for something more mysterious and psychological, The Haunting of Hill House is an unforgettable and heartbreaking story that steers the horror genre in a more thought-provoking direction.
One of the show's strongest elements is its unique approach to horror, relying mostly on unsettling and unnatural imagery. The most memorable and recurring image is young Nellie Crain's visions of a "Bent Neck Lady," an ominous screaming figure who floats in midair. In Hill House, fear doesn't come from the knowledge of what will happen, and what is- rather, fear stems from the unknown, from the unexplained intentions of terrifying apparitions and events. The result is a queasy feeling of mounting dread for the viewer, and the fact that most of the show's horrific events occur during the characters' childhoods doubles this effect.
Equally important to Hill House's take on horror is its exploration of childhood trauma and coping mechanisms. Right off the bat, it is very clear that none of the Crains made it out of Hill House completely whole, almost turning the show into a tragedy. Youngest daughter Nellie seeks treatment from a psychiatrist while her twin brother Luke struggles with addiction and substance abuse. Middle child Theodora emotionally isolates herself from others and prowls nightclubs. The eldest daughter Shirley runs a funeral home and strives for perfection. Oldest son Steven makes a fortune writing horror stories, despite his disbelief in the supernatural and mocking of his family's experiences. And father Hugh sees long deceased wife Olivia wherever he goes, asking for her guidance in times of need. This deep dive into character psyches explores how supernatural events could create inner demons, resulting in some of the best character development on television in a long time.
The Haunting of Hill House doesn't waste an ounce of that character development either. When tragedy strikes the family for the second time early in the show, the Crains are forced to come together after years of separation, resulting in some really powerful dramatic moments. Most of the family at this point feels exploited by Steven, and all of the siblings strongly resent their father. Personality clashes come flying left and right as the family is forced to reconcile with the horrible events that happened at Hill House all those years ago.
Details of what exactly happened at Hill House in 1992 are slowly revealed to great effect. The show brilliantly alternates between the past and present timelines, diving even deeper into the characters and giving a fresh take on the numerous tropes sprinkled throughout the show. The past events are explored from the perspectives of each character, giving every episode a distinct vantage point on the horrors that occurred at the titular family home.
One of the biggest mysteries to benefit from the dual timeline revolves around mother Olivia Crain, expertly played by Carla Guigno. We know from the intro to the show and from the reaction of the adult Crain siblings that something clearly went wrong with her, yet the flashbacks show an extremely loving and caring maternal figure. This stark contrast in and of itself keeps the audience on edge throughout the show's run, creating an intense and emotional pay off once all is finally revealed.
Lingering in the background of the show's main events are small details that flesh out the world of Hill House to give a sense of dark mythology. Olivia hints that members of her family are "sensitive" when one of the Crain children begins displaying supernatural abilities, while caretakers Horace and Clara Dudley are a treasure trove of information on the Hills, the family who built the foreboding house long ago. These small details all add up and almost subconsciously suck the viewer ever deeper into the twisted halls of Hill House. It's the kind of storytelling one would expect from a King horror tale, crumbs left behind to make viewers feel as though they are piercing the veil into a deep, rich universe of supernatural tales and mystery.
On a second viewing, it is very clear that the writers of the show knew exactly what they were doing. Pieces of foreshadowing abound in every nook and cranny, yet are just subtle enough that they don't immediately stand out or spoil any of the frightening yet fascinating events to come. It's a true balancing act to pull off that level of foreshadowing, and Hill House does it in stunning fashion.
One of the few marks against the show is its deliberately slow pace. Some audience members may feel impatient while waiting for Hill House's many mysteries and conflicts to resolve, but that is really just a testament to the show's powerful writing. Patience is a virtue, and incredibly shocking yet satisfying conclusions come to those who wait.
Even with all of its scary twists and turns, The Haunting of Hill House manages to end on a surprisingly optimistic note. In a genre filled with mutilated corpses, bloodthirsty killers, and gratuitous torture, The Haunting of Hill House stands out as a sophisticated and refreshing slice of horror that forces us to look inwards at ourselves. By tackling real life family and relationship issues just as much as its more ghostly elements, The Haunting of Hill House becomes a truly engaging and introspective tale with a spooky twist. With just enough seeds planted to grow another season, The Haunting of Hill House will without a doubt be remembered as one of the greatest horror shows ever to grace the streaming medium.
- Refreshing Take on Horror
- Incredible Character Development
- Great Sense of Mystery
- Slow Pace may Turn off Viewers
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Michael Bizier
An avid gamer since he was a wee lad, New Hampshire Ground Puncher Michael Bizier loves spicy food, hiking, and long talks about Metal Gear on the beach.
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I will bet you a book that I have heard every excuse for why people do not read more often.
Most of the benefits are self-evident (e.g. books make you smarter and no one actively wants to be dumb), but whether it is habit, the sheer number of things competing for our attention, or something else, it surprises me how little time is spent doing it. The best reason for reading (non-fiction) books is to understand how the world works. The real test of knowledge is the real world. Books just save time. It would be prohibitively expensive, time-consuming, and dangerous for you and I to build a bridge by trial-and-error. Instead we could spend some time understanding engineering and finance which would increase our probability of success. Essentially, this "increasing our probability of success" is my motivation for reading, or maybe it is growth without a goal, or maybe it is to develop a deeper appreciation of the subject matter.
One of the critical realizations I have had is the distinction between memorizing something and learning something. The epitome of memorization is the multiple-choice test, which has been as ubiquitous in our lives as infomercials, and is great for regurgitating information then forgetting most of it. Learning, on the other hand is having information in a readily-usable format. For example: Memorizing "rate x time = distance" in physics so you can answer a question on a test is different than being able to answer your friend who asked how long it's going to take you to get 40 miles when you're driving 60 miles per hour; you can do some quick math to solve for time and say 40 minutes. In case you find that too simple, let's use another one and contrast memorizing the United States presidents (trust me, this is useless knowledge) vs. being able to describe the evolution of politics from 1776 thru today.
The key concept is synthesis (I struggle with this daily). It is seeing the trees, then connecting them to understand the forest. While on trees… Elon Musk talks about knowledge as a tree. The trunk and big branches are where the basic truths and fundamentals are, and those are most likely rooted (ha) in science and often found in textbooks. Without these, there is nothing for the leaves to hang on. Some of the reading material below is dense, with a heavy focus on the trunk and branches, so that you can choose which leaves suit your interest later. Most of the books here are not Best Sellers, because our goal is to learn in the most efficient way and that means we want the knowledge to last a long time. The way to do that is learning key ideas that will carry the most weight.
If you would like to read more, then the best way to start is to follow your interests & passions. Ask yourself what is something you would like to know but don't. That is the place to start.
Try to create a unique intellectual identity. If you consume the same information as everyone else you will most likely come to similar conclusions, which creates for a homogenous group of ideas, which is unlikely to contribute in solving existing problems. A solution to this is to incorporate authors from different disciplines, cultures, time periods, beliefs, etc.
A great resource is Farnam Street, one of the best blogs on the internet. In the way they say you should write the book you want to read, Farnam Street is the type of blog I wish I would have created. I have followed it from the near-beginning thru to its current popularity. It should be on your Favorites tab and will serve as a great place to go if you want to go to sleep smarter than when you woke up.
Absent from the list are biographies, which are highly dependent on the type of person you are interested in, and novels, which, in a similar vein, are Rorschach Tests that will have unique interpretations and applicability depending on the reader and setting.
There are certainly easier and more fun books to read, but I don't think I am leaning too far over the railing when I say your life will be better because of them. The problem with creating a list like this is similar to having 100 children and having to pick favorites.
If I could only choose one, this is it. (Yes, it's expensive. So are diamonds.) Charlie Munger is the longtime partner of the famed investor, Warren Buffett. If there is a trait to be admired, it is the marrying of theory and practice we talked about above. Munger is the embodiment of this concept, becoming a billionaire with his mind.
In a way, this recommendation is cheating because in a series of speeches and other thoughts, we are introduced to "mental models," "earning the right to have an opinion," and provided with a road map to wisdom and a prescription for lifelong learning which (you guessed it) entails more reading. I read the book in 2011 and when I review my notes from it (always take notes) I realize that while I have made progress, it will take 80-100 years to get where I would like to be.
A summary of the history of the world in 100 pages. Will & Ariel Durant dedicated their adult lives to writing The Story of Civilization, an 11 volume series with 10,000+ pages. This is effectively the Cliffs Notes.
This is in the Top 3 of most influential things I have read. This book shaped my belief that we should create the life we want to live.
It may seem deceptively simple, but "is this true?" is one of the best questions we can ask in a given situation. If you spend time around organizations or watch the news, this becomes an increasingly interesting question.
You could read this book faster than my first three posts. If you only read it for the part on how to pick a spouse it would be well worth the energy.
This is probably the most tempting one on the list to skip. The law seems reserved for lawyers, but that makes something essential to our society seem inaccessible and opaque. Vagueness bothers me. If someone says (specifically with a pretentious air) "it's complicated," I almost throw up. "Please, educate me." If someone knows what they are talking about, I will be grateful for the lesson, and if they do not, this will quickly become evident. Feinman lays down the law (couldn't resist) in an approachable way that will make you sound like a "reasonable person" to your lawyer friends.
Read it cover-to-cover in a version without "thou" & "thee". There are popular one-year reading plans available on the internet. If essentially all of Western Civilization has been impacted by this collection of words, then it is worth our time to figure out what it says right?
I dream of being able to explain concepts as clearly as Petzold explains computers. Although I picked this up because I had no idea how computers really worked and Amazon's CEO says they're going to be a big deal in my lifetime, it is on this list because it is an example of the learning process; how we go from not knowing-to-knowing anything.
Although the author himself has difficulty explaining what this book is about (because it is about so much), essentially it tries to answer the question: at what point does a collection of atoms take on a "self"? If this seems esoteric and uninteresting, blame me the messenger for inadequately selling you on the reasons you should read it, and push through it.
This is the hardest book I have read (to be clear, I am referring to grasping the concepts—the sentences are simple and well-written) and I am still working my way through it.
If you have ever had something turn out differently than you wanted, check this out. I give this book to those close to me going through hard times, and good times. Written almost 2,000 years ago, its wisdom is still as applicable today as it was then.
10. That book you told yourself you were going to read, but haven't.
If you can tolerate my blog posts, you can finish that book.
David Foster Wallace was a great thinker with tragic clinical depression. His internal battles are apparent in most of his writings, but his ability to dive into the questions behind the questions is unique and wonderful. This was originally delivered as a commencement speech, and has been called one of the greatest of all time.
I've noticed that becoming a better investor is nearly synonymous with becoming a better thinker, and often, person.
This sneaks up on you. The title hints at it, but it becomes more than that. I'm drawn to things that force me to acknowledge actions that would be easier left unquestioned. Lobsters and moral philosophy together in one place. Who knew?
Once I read this, I was almost upset that I could have gone through my life without having read it.
Read this once every few months until you no longer need to. I still need to.
Enjoy the journey loyal readers. If you are over 30, it's okay. You can still read them, too.


text:
Q: Putting Strings into MySQL Database with PHP I have a MySQL database set up, and for each row I have 28 values (the alphabet, string size, and the string itself). Each value except the string itself is an integer, and they work fine. But when I try to insert the string into a table I end up only getting five rows in the table instead of 1000. And even then when I look at those five tables I end up getting an integer in the "valued" column instead of a string! Am I missing something when it comes to putting strings into databases?
mysql_query("CREATE TABLE allwords
(
valued varchar(20),
length int,
a int,
b int,
c int,
d int,
e int,
f int,
g int,
h int,
i int,
j int,
k int,
l int,
m int,
n int,
o int,
p int,
q int,
r int,
s int,
t int,
u int,
v int,
w int,
x int,
y int,
z int
)");
mysql_query("INSERT INTO allwords (valued, length, a, b, c, d, e, f, g, h, i, j, k, l, m, n, o, p, q, r, s, t, u, v, w, x, y, z)
VALUES ($letter, $countnow, $a, $b, $c, $d, $e, $f, $g, $h, $i, $j, $k, $l, $m, $n, $o, $p, $q, $r, $s, $t, $u, $v, $w, $x, $y, $z)");

A: For any string values you should encapsulate the variable with single quotes and escape it.
VALUES ('$letter', $countnow, $a, $b ... )

Better yet, use parameterized queries to ensure that mysql knows the type as well as offer a measure of protection against injection attacks. One way to do so is using PDO.
As to why you are getting fewer rows than expected, try appending or die(mysql_error()) to the end of your query execution statement; any error that is occurring is sneaking away undetected.

redpajama_set_name: RedPajamaStackExchange


Oberammergau is a town in the Bavarian Alps, Germany. It's known for its once-a-decade performance of the Passion Play in the Passion Play Theater.
The play was first performed in 1634 and is the result of a vow made by the inhabitants of the village that if God spared them from the effects of the bubonic plague, then sweeping the region, they would perform a passion play every ten years. A man travelling back to the town for Christmas had accidentally brought the plague with him. The man died from the plague and it began spreading throughout Oberammergau. After the vow was made, not another inhabitant of the town died from the bubonic plague and all of the town members that were still suffering from the plague recovered. The play is now performed in years ending with a zero, as well as in 1934 which was the 300th anniversary and 1984 which was the 350th anniversary. The 1940 performance was cancelled because of the intervention of the Second World War. It involves over 2000 actors, singers, instrumentalists and technicians, all residents of the village.
WE NOW HAVE VARIOUS TOURS ORGANISED FOR THE 2020 PASSION PLAY, DETAILS BELOW. FOR MORE INFORMATION, PLEASE CONTACT NICKI AT OUR OFFICE NOW (01732 886666) AS TICKETS ARE VERY LIMITED, AND ARE SELLING FAST!!
4 Nights | from £840 per person PLUS the cost of return flights.
by Air from London and coach in Germany.
5 Nights | from £1181 per person PLUS the cost of return flights.


text:
Зензенгваро има више значења:

 Зензенгваро (Апазинган), насеље у савезној држави Мичоакан у Мексику
 Зензенгваро (Паскуаро), насеље у савезној држави Мичоакан у Мексику
 Зензенгваро (Тикичео де Николас Ромеро), насеље у савезној држави Мичоакан у Мексику

redpajama_set_name: RedPajamaWikipedia


A true professional, a master of his craft inspector George gently devoted his life to the fight against crime. This brave detective never stopped in the face of trouble. Brave, purposeful character, extraordinary thinking always allowed to cope even with the most complicated, dead-end investigations. However, the longer is the police inspector, the more realizes how much dirt is mired many officials, entangled networks of corruption. He begins to fight crime zealously in his own police corps, which led to the subsequent loss of his beloved wife. the Criminal world is cruel and fighting it alone is incredibly difficult. George in the deepest depression, he decides to quit the service and retire, spending all the time at the grave of his wife, sincerely asking for her forgiveness. However having coped with the first painful moments of loss of the spouse, the inspector nevertheless decides to continue the begun fight. Moreover, he is now with the new forces is taken for the tangle of corruption. He has nothing to lose, and therefore criminals can only pray for their skins. Especially Joe Webster, who is guilty of the death of the inspector's wife.


Interface used to allow model tooling to request that a particular set of modified files be committed together to the repository.
A resource diff represents the changes between two resources.
A resource diff tree provides access to a tree of IDiff instances that either contain IResourceDiff nodes or IThreeWayDiff nodes that contain IResourceDiff nodes as the local and remote changes.
The purpose of this interface is to provide support for model level auto-merging.
This interface defines a single operation for performing a three-way merge on three instances of IStorage.
Allows a model provider to build a view of their model that includes synchronization information with a remote location (usually a repository).
Interface which defines the protocol for translating a set of ResourceMapping objects representing a view selection into the complete set of resources to be operated on.
Listener for synchronization scope changes.
A scope manager is responsible for ensuring that the resources contained within an ISynchronizationScope stay up-to-date with the model elements (represented as ResourceMapping instances) contained in the scope.
A scope participant is responsible for ensuring that the resources contained within an ISynchronizationScope that overlap with the participant's model provider stay up-to-date with the model elements (represented as ResourceMapping instances) contained in the scope.
Factory interface for creating a participant for use with an ISynchronizationScopeManager.
This storage merger delegates to the appropriate merger or returns a conflict if no merger is available or if a merge was not possible.


text:
\section{Introduction}
The Standard Model (SM) is the most successful framework that describes the physics of elementary particles. In 2012, a Higgs boson was discovered at the Large Hadron Collider (LHC) \cite{ATLAS:2012yve, CMS:2012qbp}, which is the only required puzzle piece to confirm, in particular, the mechanism of ElectroWeak Symmetry Breaking (EWSB) and thereby the SM. However, the origin of such a mechanism, which explains the dynamic behind the masses of fermions and gauge bosons, is still a mystery. There is, moreover, no theoretical reason that the Higgs sector is composed of only one Higgs doublet field. A possible non-minimal Higgs sector with more than one scalar doublet, e.g. the SM with an extra singlet, doublet, and/or triplet, might take place. One of the most important features in models with an extra doublet or triplet is the apparition of charged Higgs bosons, which their discovery would be a clear hint of new physics beyond the SM.

One of the simplest higher Higgs representations beyond the SM, containing a charged Higgs boson, which merits specific attention, is the Two-Higgs Doublet Model (2HDM). The latter is extended by an additional Higgs doublet in order to generate masses for fermions and gauge bosons.
The scalar sector of the 2HDM predicts in their spectrum three neural Higgs states
($h$, $H$ and $A$) and a pair of charged Higgs states ($H^\pm$). One of the two scalars $h$ or $H$ is required to mimic the SM Higgs boson in the so-called \textit{alignment limit} \cite{Ferreira:2012my, Carena:2013ooa, Bernon:2015qea, Bernon:2015wef}. Such a requirement, indeed, puts rather stringent limits on the 2HDM parameter space. Further bounds arise from direct searches at collider experiments and indirect searches from EW precision measurement as well as flavor physics set, moreover, additional bounds on 2HDM.

At the LHC, two conventional ways have been adopted to search for charged Higgs boson, in which both ATLAS and CMS collaborations almost target the fermionic decay channels in their programs to look for $H^\pm$.
When $M_{H^\pm} < m_t - m_b$, a charged Higgs boson has been searching for through the top pair (anti)quark production and decay, $pp \rightarrow t\bar{t} \rightarrow W^\mp H^\pm b \bar{b}$, with $H^\pm$ decaying into a pair of fermions ($\tau\nu$ and $cs$). In case the mass of $H^\pm$ exceeds the mass of top and bottom quarks, the dominant production channel is predicted to be the one associated with $t$ and $b$ ($H^+ tb$ or the equivalent anti-top mode), with $H^+ \rightarrow t b$ or $H^+ \rightarrow \tau^+ \nu$.
Nevertheless, bosonic decay channels are expected to be naturally dominant over fermionic decays in 2HDM type-I (with branching ratios almost above 99\%) \cite{Akeroyd:1998dt, Enberg:2014pua, Arhrib:2016wpw, Alves:2017snd, Arhrib:2017wmo, Arhrib:2019ywg, Arhrib:2020tqk, Bahl:2021str, Arhrib:2021xmc, Wang:2021pxc, Mondal:2021bxa, Arhrib:2021yqf, Cheung:2022ndq, Abouabid:2022lpg}, i.e. the decay of $H^\pm$ into a $W^\pm$ and a neutral Higgs boson.
Our study is dedicated to light charged Higgs boson produced via $pp \rightarrow H^\pm h$ followed by $H^\pm \rightarrow W^\pm h$, where $h$ decays into a pair of bottom quarks or tau leptons. The $h \rightarrow \gamma\gamma$ channel will also be investigated here when the $h$ state becomes fermiophobic, in which the coupling of $h$ to fermions is suppressed.

The paper is organized as follows. In Section 2, we introduce the theoretical framework. In Section 3, we present the adopted parameter space scans and applied constraints. In section 4, we discuss our numerical result. We conclude in Section 5.

\section{The 2HDM}
The most popular and motivated extension of the SM, which merits special attention, is the Two-Higgs Doublet Model (2HDM). The latter contains two Higgs doublet fields $\Phi_{1,2}$ with hypercharge $Y_{\Phi_{1,2}}=1$. The 2HDM scalar potential invariant under $SU(2)_L \otimes U(1)_Y$ has the following form \cite{Branco:2011iw}:
\begin{eqnarray}
V(\Phi_1,\Phi_2) &=& m_{11}^2 \Phi_1^\dagger\Phi_1+m_{22}^2\Phi_2^\dagger\Phi_2-[m_{12}^2\Phi_1^\dagger\Phi_2+{\rm h.c.}] \nonumber\\
&+& \frac{1}{2}\lambda_1(\Phi_1^\dagger\Phi_1)^2
+\frac{1}{2}\lambda_2(\Phi_2^\dagger\Phi_2)^2 \nonumber\\
&+&\lambda_3(\Phi_1^\dagger\Phi_1)(\Phi_2^\dagger\Phi_2)
+\lambda_4(\Phi_1^\dagger\Phi_2)(\Phi_2^\dagger\Phi_1) \nonumber\\
&+&\left\{\frac{1}{2}\lambda_5(\Phi_1^\dagger\Phi_2)^2
+\big[\lambda_6(\Phi_1^\dagger\Phi_1)
+\lambda_7(\Phi_2^\dagger\Phi_2)\big]
\Phi_1^\dagger\Phi_2+{\rm h.c.}\right\}, \label{pot1}
\end{eqnarray}
where $m^2_{11}$, $m^2_{22}$ and $\lambda_{1,2,3,4}$ are, in general, real. While $m^2_{12}$ and $\lambda_{5,6,7}$ could be complex to enable CP-violation in the Higgs sector. The natural flavor conservation requirement in the Yukawa sector enforces a $Z_2$ symmetry to the scalar potential. Such a requirement would lead to $m^2_{12}=\lambda_{6,7}=0$. However, one can allow for a soft violation of the discrete symmetry by keeping the $m^2_{12}$ term. In the present study, we shall consider the CP-conserving 2HDM with a softly broken $Z_2$ symmetry, in which $\lambda_{6,7}=0$ and $m^2_{12} \neq 0$.

In the 2HDM, there exist height degrees of freedom. Three of them are absorbed by $W^\pm$ and $Z$ bosons when EWSB occurs. The rest of the degrees of freedom are the five physical Higgs states mentioned above, i.e. two CP-even $h$ and $H$, a CP-odd $A$ and a pair of charged Higgs $H^\pm$.
Under the two minimization conditions, $m^2_{11}$ and $m^2_{22}$ can be substituted by $v_{1,2}$ (which are the vacuum expectation values (vevs) of $\Phi_{1,2}$). Furthermore, $\lambda_{1,2,3,4,5}$ can be traded for $M_{h,H,A,H^\pm}$ and $\sin(\beta-\alpha)$, where $\beta$ and $\alpha$ are the mixing angles. Thus, only seven independent parameters are left: $M_h$, $M_H$, $M_A$, $M_{H^\pm}$, $\sin(\beta-\alpha)$, $\tan\beta$ and $m^2_{12}$.

In the Yukawa sector, if we enable EWSB similar to the SM (both Higgs doublets couple to fermions) we will end up with FCNCs in such a sector at tree level. The latter can be avoided by forcing the $Z_2$ symmetry such that each fermion type interacts only with one of the Higgs doublets.
Thus, there are four possible types of Yukawa textures \cite{Branco:2011iw}: type-I, type-II, type-X (or lepton-specific) and type-Y (or flipped). In the present study, we shall focus on type-I 2HDM, which $\Phi_2$ doublet couples to all fermions in order to generate their masses.

The couplings of neutral and charged scalars to fermions can be described by the Yukawa Lagrangian \cite{Branco:2011iw},
\begin{eqnarray}
- {\mathcal{L}}_{\rm Yukawa} = \sum_{f=u,d,l} \left(\frac{m_f}{v} \kappa_f^h \bar{f} f h +
\frac{m_f}{v}\kappa_f^H \bar{f} f H
- i \frac{m_f}{v} \kappa_f^A \bar{f} \gamma_5 f A \right) + \nonumber \\
\left(\frac{V_{ud}}{\sqrt{2} v} \bar{u} (m_u \kappa_u^A P_L +
m_d \kappa_d^A P_R) d H^+ + \frac{ m_l \kappa_l^A}{\sqrt{2} v} \bar{\nu}_L l_R H^+ + H.c. \right),
\label{Yukawa-1}
\end{eqnarray}
where $v^2=v^2_1 + v^2_2 \simeq (246 ~\rm{GeV})^2$ and $V_{ud}$ is the CKM matrix element. $P_{L,R}$ refer to left- and right-handed projection operators. $\kappa_f^S$ are the Yukawa couplings, which are given in Table \ref{yuk_coupl} for the four types of 2HDM.
\begin{table}[h]
\caption{\label{yuk_coupl} Higgs couplings to fermions for the four types of 2HDM.}
\centering
\begin{tabular}{@{}*{10}{c}}
	\br
	 & $\kappa_u^h$ & $\kappa_d^h$ & $\kappa_l^h$ & $\kappa_u^H$ & $\kappa_d^H$ & $\kappa_l^H$ & $\kappa_u^A$ & $\kappa_d^A$ & $\kappa_l^A$  \\
	\mr
	type-I & $c_\alpha/s_\beta$ & $c_\alpha/s_\beta$& $c_\alpha/s_\beta$ & $s_\alpha/s_\beta$ & $s_\alpha/s_\beta$ & $s_\alpha/s_\beta$ & $c_\beta/s_\beta$ &
	$-c_\beta/s_\beta$ & $-c_\beta/s_\beta$\\

	type-II & $c_\alpha/s_\beta$ & $-s_\alpha/c_\beta$& $-s_\alpha/c_\beta$ & $s_\alpha/s_\beta$ & $c_\alpha/c_\beta$ & $c_\alpha/c_\beta$ & $c_\beta/s_\beta$ &
	$s_\beta/c_\beta$ & $s_\beta/c_\beta$ \\

	type-X & $c_\alpha/s_\beta$ & $c_\alpha/s_\beta$& $-s_\alpha/c_\beta$ & $s_\alpha/s_\beta$ & $s_\alpha/s_\beta$ & $c_\alpha/c_\beta$ & $c_\beta/s_\beta$ &
	$-c_\beta/s_\beta$ & $s_\beta/c_\beta$ \\
	type-Y & $c_\alpha/s_\beta$ & $-s_\alpha/c_\beta$& $c_\alpha/s_\beta$ & $s_\alpha/s_\beta$ & $c_\alpha/c_\beta$ & $s_\alpha/s_\beta$ & $c_\beta/s_\beta$ &
	$s_\beta/c_\beta$ & $-c_\beta/s_\beta$ \\
	\br
\end{tabular}
\end{table}

\section{2HDM scans and constraints}
We perform a random scan over the 2HDM parameter space using the program \texttt{2HDMC-1.8.0} \cite{Eriksson:2009ws}. While we assume that $H$ is the observed SM-like Higgs fixing its mass to $125.09~\rm{GeV}$, we demand $M_h$ to lie in the $15$ and $120~\rm{GeV}$ range. We further scan $M_A$ within the range between $15$ and $200~\rm{GeV}$, $M_{H^\pm}$ between $80$ and $170$, $\sin(\beta-\alpha)$ between $-0.5$ and $0.5$, $\tan\beta$ between $2$ and $50$, and $m^2_{12}$ between $0$ and $m^2_h \sin\beta \cos\beta$. During the scan, we require that each parameter point complies with the following theoretical and experimental constraints:
\begin{itemize}
	\item Unitarity, perturbativity and vaccum stability using the program \texttt{2HDMC}.
	\item The parameters $S$, $T$ and $U$, which constrain the mass splitting between the physical scalars, using the result ($U=0$) of Ref. \cite{Haller:2018nnx}.

	\item Limits from searches for additional Higgs bosons using the program \texttt{HiggsBounds-5.9.0} \cite{Bechtle:2020pkv}.

	\item Compliance with SM-like Higgs boson measurements using the program \texttt{HiggsSignals-2.6.0} \cite{Bechtle:2020uwn}.

	\item Compliance with the $Z$ width measurement from LEP, $\Gamma_Z = 2.4952 \pm 0.0023$ GeV \cite{ALEPH:2005ab}, in which $\Gamma(Z \rightarrow h A)$ is taken to be within the $2\sigma$ experimental uncertainty of such a measurement.

	\item Flavor physics constraints using the program \texttt{SuperIso v4.1} \cite{Mahmoudi:2008tp}. The experimental results of relevant observables are taken from Ref. \cite{Haller:2018nnx}.
\end{itemize}

In order to satisfy the above constraints, especially those from electroweak oblique parameters $S$ and $T$, the Higgs states should be relatively close in mass. Note that, after considering the new CDF W boson mass measurement \cite{CDF:2022hxs}, it is found recently that the charged Higgs boson is always heavier than the neutral Higgs states in 2HDM with inverted hierarchy ($H \equiv H_{\mathrm{SM}}$) \cite{Abouabid:2022lpg}.

\section{Results and discussion}
As mentioned above, we focus on light charged Higgs boson in  $H^\pm h$ associated channel. We calculate the cross section at the leading order with $\sqrt{s} = 14~\rm{TeV}$ using the code \texttt{MadGraph5\_aMC@NLO-2.7.3} \cite{Alwall:2014hca}. In the calculation, we have used the MMHT2014 pdf set \cite{Harland-Lang:2014zoa}. Note that the NNLO-QCD corrections increase the tree-level cross section by a factor of approximately $1.35$ \cite{Bahl:2021str}. In our study, we shall present the tree-level results only.

In Figure \ref{fig:1a}, we show the values of $\sigma(pp \rightarrow H^\pm h)$ as a function of $M_h$, with the color code indicates $M_{H^\pm}$, for the parameter points that survive all constraints. It is clearly visible that the production cross section could reach the pb level for small Higgs masses. The results can be, indeed, interpreted by the two factors: the $H^\pm W^\mp h$ vertex, which is proportional to $\cos(\beta-\alpha)$ and is maximized in the \textit{alignment limit}; the phase space attributable to relatively small values of $M_h$ and $M_{H^\pm}$. The cross section for $pp \rightarrow H^\pm h$ can, in
certain scenarios, exceed the light charged Higgs production through top quark decay channel, i.e. $pp \rightarrow \bar{t}t \rightarrow \bar{t}bH^+$, especially when $\tan\beta$ is large in which the $H^\pm$ couplings to fermions is suppressed in 2HDM type-I.

\begin{figure}[H]
	\centering
	\begin{subfigure}{0.42\textwidth}
        \includegraphics[width=17pc]{figs/xs_ppHch.pdf}
		\caption{} \label{fig:1a}
	\end{subfigure}%
    \begin{subfigure}{0.42\textwidth}
		\includegraphics[width=17pc]{figs/BRHpWh.pdf}
	    \caption{} \label{fig:1b}
    \end{subfigure}%

		\caption{\label{Figure1} (a) Cross section for $pp \rightarrow H^\pm h$ at $\sqrt{s} = 14~\rm{TeV}$ as a function of $M_h$, with the color bar indicates $M_{H^\pm}$. (b) Branching ratio BR$(H^\pm \rightarrow W^\pm h)$ in the ($M_h$, $M_{H^\pm}$) plane.}
\end{figure}

Let us now turn to the charged Higgs decaying into a $W^\pm$ boson and an $h$ boson, $H^\pm \rightarrow W^\pm h$. Analogous to the $pp \rightarrow H^\pm h$ production cross section, the decay $H^\pm \rightarrow W^\pm h$ is governed by the same vertex and also is maximized in the \textit{alignment limit}. Figure \ref{fig:1b} clearly demonstrates that the branching ratio BR$(H^\pm \rightarrow W^\pm h)$ can reach $100\%$ for light $h$. Note that BR$(H^\pm \rightarrow W^\pm A)$ is only relevant when $M_A \lesssim 100~\mathrm{GeV}$. BR$(H^\pm \rightarrow W^\pm H)$ is suppressed in our scenario by the factor $\sin^2(\beta-\alpha)$.

Under these observations, combining the $H^\pm h$ production and the $H^\pm \rightarrow W^\pm h$ decay, one can expect significant signatures, which might be alternative discovery channels for light charged Higgs boson at the LHC \cite{Arhrib:2021xmc, Wang:2021pxc, Arhrib:2021yqf}. For the neutral Higgs boson, $h$, we mainly consider $bb$, $\tau\tau$ and $\gamma\gamma$ decays. These channels would lead to $W+4b$, $W+2b2\tau$ and $W+4\gamma$ final states, which are depicted in Figure \ref{Figure2}. One can see (Figure \ref{fig:2a}) that the signal cross section $\sigma(pp \rightarrow H^\pm h \rightarrow W^\pm h h \rightarrow W^\pm + 4b)$ can reach the pb level for very light $h$. Similar to the $W+4b$ final state, in figure \ref{fig:2b} one sees that  $\sigma(pp \rightarrow H^\pm h \rightarrow W^\pm h h \rightarrow W^\pm + 2b2\tau)$ can reach up to $200~\mathrm{fb}$ for low $M_h$. Besides $W+4b$ and $W+2b2\tau$ final states, and since the $h \rightarrow \gamma\gamma$ decay is experimentally the cleanest decay channel (also $WW$ and $ZZ$ decays), which is dominant (close to the \textit{fermiophobic limit}) before the $WW^*$ threshold, the $W+4\gamma$ signature could be an excellent experimental avenue to identify a light charged Higgs boson at the LHC (Figure \ref{fig:2c}). Furthermore, it is found that the signal $pp \rightarrow H^\pm h \rightarrow W^\pm h h \rightarrow W^\pm + 4\gamma$ (assuming $W^\pm \rightarrow \ell^\pm \nu$) is essentially background free, yielding to a large significance \cite{Wang:2021pxc}.

\begin{figure}[H]
	\centering
	\begin{subfigure}{0.33\textwidth}
		\includegraphics[width=14pc]{figs/xsh_W4b.pdf}
		\caption{} \label{fig:2a}
	\end{subfigure}%
	\begin{subfigure}{0.33\textwidth}
		\includegraphics[width=14pc]{figs/xsh_W2b2tau.pdf}
		\caption{} \label{fig:2b}
	\end{subfigure}%
	\begin{subfigure}{0.33\textwidth}
		\includegraphics[width=14pc]{figs/xsh_W4ga.pdf}
		\caption{} \label{fig:2c}
	\end{subfigure}%

	\caption{\label{Figure2} (a) Signal cross sections $\sigma(pp \rightarrow H^\pm h \rightarrow W^\pm h h \rightarrow W^\pm + 4b)$, (b) $\sigma(pp \rightarrow H^\pm h \rightarrow W^\pm h h \rightarrow W^\pm + 2b2\tau)$ and (c) $\sigma(pp \rightarrow H^\pm h \rightarrow W^\pm h h \rightarrow W^\pm + 4\gamma)$ as a function of $M_{H^\pm}$, with the color map showing $M_{h}$.}
\end{figure}

\section{Conclusion}
In this study, we have investigated the light charged Higgs boson ($H^\pm$) production in association with a neutral Higgs boson ($h$) in a scenario where $H$ is identified to be the SM-like state of mass $125~\mathrm{GeV}$, and the parameter space consistent with theoretical and experimental constraints. Under these conditions, we have mainly focused on the $W^\pm h$ decay channel of $H^\pm$,  which is naturally dominant close to the \textit{alignment limit}. We have demonstrated that such production and decay channels would lead to significant cross sections for $W^\pm + 4b$, $W^\pm + 2b2\tau$ and $W^\pm + 4\gamma$ final states, which might be alternative signatures to target the light charged Higgs boson at the LHC.

\section*{Acknowledgments}
The work of AA, RB and BM is supported by the Moroccan Ministry of Higher Education and Scientific Research MESRSFC and CNRST Project PPR/2015/6. The work of
SM is supported in part through the NExT Institute and the STFC Consolidated Grant No. ST/L000296/1.
Y. W. is supported by the Scientific Research Funding Project for Introduced High-level Talents of the Inner Mongolia Normal University Grant No. 2019YJRC001, and the scientific research funding for introduced high-level talents of Inner Mongolia of China.
Q.-S. Yan work is supported by the Natural Science Foundation of China Grant No. 11875260.
\section*{References}

redpajama_set_name: RedPajamaArXiv


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