text:
.navbar-default {
    margin-bottom:0;
    z-index: 10;
}
.navbar-default a {
    color:#fff;
    outline: 0;
}
.container-header {
    border-bottom:1px dashed #cbcbcb;
    height:80px;
}
#container-content {
    position: relative;
    width: 100%;
    height: 100%;
    -webkit-transition: width 300ms;
    -moz-transition: width 300ms;
    -o-transition: width 300ms;
    -ms-transition: width 300ms;
    transition: width 300ms;
    margin-top: 0;
    margin-right: auto;;
    margin-left: auto;
}
#container-content.phone-landscape {
    border-color: #999;
    border-radius: 36px;
    border-style: solid;
}
#container-content.phone-portrait, #container-content.phone-landscape {
    border-color: #999;
    border-radius: 36px;
    border-style: solid;
}
#container-content.phone-portrait {
    border-width: 60px 16px;
}
#container-content.phone-landscape {
    border-width: 16px 60px;
}
.container-left {
    position:absolute;
    left:0;
    height:100%;
    width:80px;
    top:52px;
    /*border-right:1px dashed #cbcbcb;*/
}
.container-right {
    position:absolute;
    right:0;
    height:100%;
    width:80px;
    top:52px;
    /*border-left:1px dashed #cbcbcb;*/
}
.container-footer {
    border-top:1px dashed #cbcbcb;
    height:50px;
    bottom:0;
    width:auto;
    position:absolute;
}

#responsive {
    display: block;
    float: right;
    margin: 0 25px;
}
#responsive > a {
    color: #6a6a6a;
    display: inline-block;
    font-size: 18px;
    line-height: 50px;
    margin: 0;
    padding: 0 5px;
    text-decoration: none;
    outline: 0;
    -moz-transition: all 0.3s;
}

#responsive > a.active, #responsive > a:hover, #responsive > a:focus, #responsive > a:active {
    color: #00BCD4;
}
#responsive #tablet-landscape, #responsive #phone-landscape {
    transform:rotate(-90deg);
}
/*
    运维 多屏幕适应
*/
.tablet-portrait .yunwei-part1{
    width: 50%;
}
.tablet-portrait .yunwei-part2{
    width: 100%;
}
.tablet-portrait .yunwei-part3{
    width: 100%;
}
.phone-portrait .yunwei-part1{
    width: 100%;
}
.phone-portrait .yunwei-part2{
    width: 100%;
}
.phone-portrait .yunwei-part3{
    width: 100%;
}
.phone-landscape .yunwei-part1{
    width: 50%;
}
.phone-landscape .yunwei-part2{
    width: 100%;
}
.phone-landscape .yunwei-part3{
    width: 100%;
}
.tablet-landscape .u-widget-body{
    padding: 30px 7px;
}
#yunweicreate{
    padding-top: 45px;
}
#yunweicreate .u-row{
    margin-left: 0;
    margin-right: 0;
}
#yunweicreate .select-server{
    line-height: 25px;
    width: auto;
    text-align: left;
}
.margin-left-15{
    margin-left: 15px;
}
.tablet-portrait .yunweicreate-part1,.phone-landscape .yunweicreate-part1,.phone-portrait .yunweicreate-part1 {
    width: 100%;
}
.tablet-portrait .yunweicreate-part2,.phone-landscape .yunweicreate-part2,.phone-portrait .yunweicreate-part2{
    margin-left: 71%;
    margin-bottom: 5px;
}
.tablet-portrait .u-button,.phone-landscape .u-button{
    padding-left: 0;
    padding-right: 0;
}
.phone-landscape .span9{
    max-width: 343px;
    display: inline-block;
}
.phone-landscape .u-button,.phone-portrait .u-button{
    margin-left: 0 !important;
}
.phone-portrait .yunweicreate-part2{
    margin-top: 10px;
}
.phone-portrait .u-container-fluid{
    padding-left: 0;
}
.phone-portrait .img_icon>img{
    height: 35px;
    max-width: none;
}
.phone-portrait .span9{
    max-width: 200px;
    display: inline-block;
}
.phone-portrait .btn-text{
    display: none;
}
.phone-portrait .u-button{
    min-width: 0;
    padding-left: 5px;
    padding-right: 5px;
}

.tablet-landscape .nav-btn{
    margin-left: 0;
}
.tablet-landscape .carouse-icon{
    font-size: 70px !important
}
.tablet-landscape .more-item-right{
    width: 259px;
}
.tablet-landscape .more-number{
    font-size: 20px;
}
.tablet-portrait .carouse-icon{
    font-size: 60px !important;
    margin-left: -7px;
}
.tablet-portrait .th-5,.phone-landscape .th-5,.phone-portrait .th-5{
    min-width: 112px;
}
.tablet-portrait .th-4,.phone-landscape .th-4,.phone-portrait .th-4{
    min-width: 98px;
}
.tablet-portrait .th-1,.phone-landscape .th-1,.phone-portrait .th-1{
    min-width: 89px;
}
.tablet-portrait .th-2,.phone-landscape .th-2,.phone-portrait .th-2{
    min-width: 102px;
}
.tablet-portrait .th-3,.phone-landscape .th-3,.phone-portrait .th-3{
    min-width: 100px;
}
.tablet-portrait .u-table{
    margin-right: 0;
}
.tablet-portrait .jinrong-part1,.phone-landscape .jinrong-part1,.phone-portrait .jinrong-part1 {
    width: 100%;
    margin-left: 10%;
}
.carousel-center-item img{
    width: 1214px;
    height: 380px;
}
.phone-landscape .carouse-icon{
    font-size: 60px !important;
    margin-left: -7px;
}
.phone-landscape .font-size-40{
    font-size: 35px !important;
}

.phone-portrait .carousel-center-item img{
    height: 240px;
    width: 900px;
}
.phone-portrait .carousel-center-item{
    height: 240px;
    width: 900px;
}
.pull-right{
    float: right;
}
.tablet-landscape .jinrong-part3{
    width: 10%;
}
.tablet-portrait .jinrong-part2{
    width: 21%;
}
.tablet-portrait .jinrong-part3{
    width: 14%
}
.phone-landscape .jinrong-part2{
    width: 26%;
}
.phone-landscape .jinrong-part3{
    width: 17%
}
.phone-landscape .jinrong-part4{
    width: 22%
}
.phone-landscape .jinrong-part1,.phone-portrait .jinrong-part1{
    margin-left: 0;
}
.u-bread-icon{
    display: none;
}
.phone-portrait .u-bread-icon{
    display: block;
    line-height: 25px;
}
.phone-portrait .u-bread-text{
    display: none;
}
.phone-portrait .secondmenu{
    display: none
}
.phone-portrait .carouse-icon{
    font-size: 20px !important;
    margin-left: -7px;
    margin-top: 105px;
}
.phone-portrait .jinrong-part5{
    width: 100%;
}
.phone-portrait .table-part7{
    min-width: 575px;
}
.phone-portrait .page-part8{
    display: none;
}
.phone-portrait .u-table{
    margin-right: 0;
}
.phone-portrait .jinrong-part2{
    width: 100%;
}
.phone-portrait .jinrong-part3{
    width: 100%
}
.phone-portrait .jinrong-part4{
    width: 100%
}
#yunwei .u-widget-body{
    min-height: 220px;
}
.layout-list li{
    border-radius: 3px;
    padding: 12px 12px !important;
}
.layout-list li a{
    text-decoration: none;
}
.layout-list li:hover,.layout-list li:active,.layout-list li:focus,.layout-list li.active{
    background-color: #00BCD4;
}
.layout-list li:hover a,.layout-list li:active a,.layout-list li:focus a,.layout-list li.active a{
    color: #fff;
}
.widget-list li{
    color: #000;
    padding: 10px 15px !important;
    margin-bottom: 12px !important;
}
.goright{
    margin-left: 20%;
    width: 80%;

}
.second-widget{
    position: absolute;
    margin-left: 135px;
    min-width: 300px;
    margin-top: -50px;
    border-radius: 4px;
    background: #F8F8F8;
    border: 1px solid #eee;
    padding-top: 10px;
    padding-bottom: 10px;
    height: auto;
}
.drag-area{
    display: inline-block;
    margin: 5px;
    padding: 5px;
    border: 1px dashed transparent;
}
.drag-area:hover{
    border-color: #3f51b5;
}
.drag-area button:hover{
    cursor: move;
}
.drag-area .u-tag:hover{
    cursor: move;
}
.drag-area input:hover{
    cursor: move;
}
.drag-area table:hover{
    cursor: move;
}
.drag-area .u-radio:hover{
    cursor: move;
}
.drag-area .u-checkbox:hover{
    cursor: move;
}
.drag-area .u-badge{
    padding-right: 18px;
}
.drag-area .u-badge:hover{
    cursor: move;
}
.headContainer ul{
    list-style: none;
    height: auto;
    float: right;
    margin: 0 10px 0 0;
}
.headContainer ul li{
    display: table-cell;
    padding: 5px 19px;
    height: 100%;
    line-height: 40px;
    cursor: pointer;
    /*color: #8e8e8e;*/
    border-top: 2px solid transparent;
}
.headContainer ul li:hover{
    border-color: #696969;
    color: #696969;
}
.header-wrapper{
    width: 100%;
    position: relative;
    margin-left: auto;
    margin-right: auto;
    padding-bottom: 0;
}
.headContainer{
    position: relative;
    width: 100%;
    display: inline-block;
 }

.headContainer .headerlogo{
    display: inline-block;
    /*margin-top: 19px;*/
    /*margin-left: 30px;*/
    margin-left: 15px;
    line-height: 50px;
}
.u-gallery-item .u-gallery-title{
    font-size: 24px !important;
    font-weight: 600;
    padding-bottom: 10px;
    border-bottom: 1px dashed #258FB9;
    color: #258FB9;
    margin-bottom: 15px;
}
.u-gallery-item .u-gallery-desc{
    padding-top: 5px;
    color: #666;
}
.u-gallery-item .u-button{
    float: right;
    border-radius: 8px;
}
.u-gallery-item a{
    color: #000;
    text-decoration: none;
}
.u-gallery-item img{
    width: 100%;
}
.u-gallery{
    list-style:none;
}
.footer{
    min-height: 50px;
    padding: 10px;
    margin-top: 50px;
}
.togglebutton{
    position: absolute;
    background: #00BCD4;
    left: calc(50% - 70px);
    width: 148px;
    text-align: center;
    color: #fff;
    border-radius: 10px;
    margin-top: -5px;
}
.edit-panel{
    border: 1px solid #8B7D7D;
    position: absolute;
    z-index: 9999;
    top:30px;
    left:30px;
    background-color: #fff;
}
.eidit-panel-header{
    line-height: 32px;
    background: #3F51B5;
    color: #fff;
    cursor: move;
    width: 310px;
    min-width: 200px;
    padding: 0 10px;
}
.eidit-panel-header .uf-close-c{
    float: right;
    cursor:pointer;
}
.edit-panel-body{
    background: #fff;
    padding: 0 10px 10px 10px;
    min-width: 200px;
    position: inherit;
    max-height: 400px;
    overflow: auto;
    min-height: 250px;
    width: 310px;
    min-width: 200px;
    border: 1px solid #ddd;
}
.edit-panel-body .u-button-file{
    width: 100%;
}
.edit-panel-body p{
    margin-top: 0;
    padding-top: 10px;
}
.edit-panel-body .panel-part{
    margin: 5px 0;
    padding-left: 5px;
    padding-right: 5px;
}
.edit-panel-body input[type=color]{
    width: 44%;
}
.edit-panel-body .text-part{
    display: inline-block;
    border: 1px dashed #aaa;
    width: 45%;
    text-align: center;
    margin-left: 10px;
}
.drag-overlay{
    position: absolute;
    height: 100%;
    z-index: 999;
    top: 0;
}
.edit-panel .editcoverstyle{
    padding: 0 !important;
    background: none !important;
    border: none !important;
    margin: 2px 0 !important;
}
.edit-panel img{
    width: 100%;
}
.edit-panel .magintop-7{
    margin-top: 7px !important;
}
.edit-panel .maginleft-10{
    margin-left: 10px !important;
}
.edit-panel .textfont{
    display: inline-block;
    margin-top: 12px;
}
.edit-panel .category{
    border: 1px dashed transparent !important;
    padding: 4px !important;
}
.edit-panel .category:hover{
    border-color: #ddd !important;
}
.edit-panel .category:hover .uf-close-c{
    visibility: visible;
}
.edit-panel .category .uf-close-c:hover{
    color: red;
}
.edit-panel .category .uf-close-c{
    /*position: absolute;
    top: 0;
    right: -11px;
    margin-top: -10px;
    color: #D24747;*/
    visibility: hidden;
    position: relative;
    color: #D24747;
    float: right;
    line-height: 0;
    margin-right: -13px;
}
.edit-panel .textarea-part{
   width: 100%;
   min-height: 100px;
   margin-left: 0;
   border: 1px dashed #aaa;
}
.u-button[readonly], .u-button[disabled]{
    border-color: rgb(241,241,241);
    background-color: rgb(241,241,241);
}

.layout-body .u-row [class^="u-col-"] {
    background-color: rgba(86, 61, 124, 0.15);
    border: 1px dashed rgba(86, 61, 124, 0.2);
    padding-bottom: 10px;
    padding-top: 10px;
    margin:5px 0;
}
#container-content .u-row [class^="u-col-"] {
    margin:5px 0;
    border: 1px dashed rgba(86, 61, 124, 0.2);
}
#container-content .u-widget .u-row [class^="u-col-"] {
    border:none;
}
#container-content .u-widget .row [class^="u-col-"] {
    border:none;
}
#container-content .u-row {
    transition: background 0.3s ease 0s;
    background-color:#fff;
}
#container-content .u-row:hover {
    background-color:#fff;
    background-color:rgba(0, 188, 212, 0.05);
}

#container-content .u-row:hover > [class^="u-col-"] {
    border:1px solid rgb(0, 188, 212);
}
/*.nav-toggle {
    position: absolute;
    right: 0;
    bottom: 0;
}*/
.nav-toggle .uf-alignjustify1{
    font-size: 20px;
}
.toggle-show{
    display: block;
}
.margin-top-10{
    margin-top: 10px !important;
}
.margin-right-0{
    margin-right: 0 !important;
}
.u-drag-area{
    border: 1px dashed #979797;
    cursor: move;
    text-align: center;
    padding: 5px;
    display: inline-block;
    position: relative;
    width: 100%;
}
.u-drag-area-card{
    border: 1px dashed #979797;
    cursor: move;
    text-align: center;
    display: inline-block;

}

.u-drag-transiton{
    padding: 10px;
    background: #EEEEEE;
    -moz-transition: background 0.5s ease-in,color 0.3s ease-out;
    -webkit-transition: background 0.5s ease-in,color 0.3s ease-out;
    -o-transition: background 0.5s ease-in,color 0.3s ease-out;
    transition: background 0.5s ease-in,color 0.3s ease-out;

}
.u-drag-transiton:hover{
    background:#00BCD4;
}
.u-card-sideBar-fontSize{
    font-size: 14px;
}
.margin-bottom-0{
    margin-bottom: 0;
}
#container-content .u-drag-area, .designer-preview .u-drag-area{
    border: none;
}
.carousel-control{
    width: 5%;
}
.carousel-control .glyphicon-chevron-left,.carousel-control .glyphicon-chevron-right{
    font-size: 15px;
    border-radius: 17px;
    background: rgba(0, 0, 0, 0.2);
    width: 30px;
    height: 30px;
    line-height: 28px;
    text-align: center;
}
.carousel-control .glyphicon-chevron-left:hover{
    background: #00c0ff;
}
.carousel-control .glyphicon-chevron-right:hover{
    background: #00c0ff;
}
.footer .footer-img{
    margin-left: -20%;
}
.footer .footer-img img{
    width: 120%;
}
.footer .footer-text{
    border-bottom: 1px solid #ddd;
    width: 80%;
    margin-left: 10%;
    padding-bottom: 10px;
    margin-bottom: 20px
}
#container-content .page-container{
    padding-top: 20px;
}
.tablet-portrait .select-server{
    width: auto;
}
#yunwei .u-row .ui-sortable {
    min-height:100px;
}
#yunwei .u-widget {
    border:1px solid #f3f3f3;
}
#container-content .footer {
    background:none;
}
.navdefault{
    background-color: #fff;
    color: #8e8e8e;
}
.navsuccess{
    background-color: rgb(76,175,80);
    color: #fff;
}
.navinfo{
    background-color: rgb(0,188,212);
    color: #fff;
}
.navwarning{
    background-color: rgb(255,152,0);
    color: #fff;
}
.navdanger{
    background-color: rgb(244,67,54);
    color: #fff;
}
.navdark{
    background-color: rgb(97,97,97);
    color: #fff;
}
.image-roundtype{
    margin: 10px 0;
}
.round-1 img{
    border-radius: 5px;
}
.round-2 img{
    border-radius: 35px;
}
.round-3 img{
    border-radius: 50%;
}
.lineheight20{
    line-height: 30px;
}
.padding-none{
    padding: 0 !important;
}
.u-tag.u-tag-outline {
    background-color: transparent !important;
    border-color: #eeeeee;
}
.edit-panel-body{
    cursor: auto;
}
.margin-5{
    margin-left: 5px;
    margin-right: 5px;
}
.u-button-border{
    border: 1px solid #ddd;
    background: transparent;
    color: rgb(51,51,51);
}
body > .drag-overlay {
    position: absolute;
    top: 50%;
    left: 50%;
    margin-left: -165px;
    margin-top: -140px;
}
#badgecontainer .u-badge{
    min-width: 25px;
}
.u-badge-transparent.u-badge[data-badge]:after {
    color: #3A3535;
    background-color: #fff;
    border: 1px solid #aaa;
}

.layoutTemplate .header{
    background:#FDE4BB;
    min-height:50px;
    position:relative;
}
.layoutTemplate .footer{
    background:#D4D8EE;
    min-height:30px;
    margin: 0;
    position:relative;
}
.layoutTemplate .content{
    height:100%;
}
.layoutTemplate .siderbar{
    background:#AAB2D8;
    position:relative;
    height: 100%;
}
.layoutTemplate .right-content{
    background:#AAB2D8;
    position:relative;
}

/*.childrenItem{
    display: block;
}*/
.hideChild{
    display: none;
    transition: all 2s;
}
.u-ribbon + p{
    margin-top: 45px;
}
/*.edit-panel-container .eidit-panel-header{
    width: 620px;
}
.edit-panel-container .edit-panel-body{
    width: 620px;
}*/
.panel-inline{
    display: inline-block;
}
.layout-panel-block{
    padding: 8px 0;
    text-align: left;
}
/*定制*/
.padding-right-5{
    padding-right: 5px !important;
}
.drag-overlay .widgetBox{
    padding: 0
}
iframe{
    width: 100%;
    height: 100%;
    border: none;
}
#container-content.tablet-portrait{
    width: 768px;
}
#container-content.tablet-landscape{
    width: 1024px;
}
#container-content.phone-portrait{
    width: 320px;
}
#container-content.phone-landscape{
    width: 480px;
}
.BgTransparent{
    background-color: transparent !important;
}
.u-form-group .label-left{
    text-align: left;
}
.u-form-group .label-right{
    text-align: right;
}
.u-form-group .label-top{
    width: 100% !important;
}
.u-form-group .u-form-label {
    color: rgb(102,102,102);
    margin-bottom: 5px;
    line-height: 26px;
}
.pannel-content .u-form-group{
    margin-right: 0;
}
.red-must-in{
    color: red;
    display: none;
}
.u-select-content{
    display: inline-block;
    width: 70%;
    position: relative;
}
.u-button-borderRadius{
    border-radius: 4px;
    width: 100%;
    height: 36px;
}
.u-btn-squareShow {
    border-radius: 0;
}
.margin-none{
    margin: 0;
}


text:
Warren Neidich
Warren Neidich is an artist, theorist and trained biologist. In 1997 he founded the site artbrain.org which includes The Journal of Neuroaesthetics. In 1999 he curated Conceptual Art as a Neurobiologic Praxis at Thread Waxing Space in New York City. He is a former research fellow at the Center for Cognition, Computation and Culture at Goldsmiths College, London (2004 – 2008) and is currently a Visiting Scholar at the TU Delft School of Architecture. In 2004 he received the ACE-AHRB Arts and Science Research Fellowship. A book with his collected essays Blow-up: Photography, Cinema and the Brain was published in 2003 by DAP. The publication Lost Between the Extensivity/Intensivity Exchange and Cognitive Architecture: From Biopolitics to Noo-Power is forthcoming in 2010. Dr. Neidich is a former research fellow in neurobiology in the laboratory of neurobiologist Roger Sperry at California Institute of Technology, Pasadena, California. He was Clinical Instructor of Ophthalmology at New York Eye and Ear Infirmary, New York City. Lives in Berlin and Los Angeles.
http://www.artbrain.org/
http://www.warrenneidich.com/
http://monoskop.org/log/?p=2867
http://en.wikipedia.org/wiki/Warren_Neidich
Retrieved from "https://monoskop.org/index.php?title=Warren_Neidich&oldid=59623"
Neuroaesthetics

redpajama_set_name: RedPajamaCommonCrawl


text:
Blog Landscape Architecture Schrickel Rollins Joins Parkhill
Schrickel Rollins Joins Parkhill
Category: Landscape Architecture
Written By: Travis Cram
Arlington Design Firm Merges with Parkhill's Multidiscipline Services
Parkhill announced on Thursday that Arlington-based Schrickel Rollins has merged with Parkhill, giving the firm its 10th different office location.
Arlington will be Parkhill's second office in the Dallas-Fort Worth Metroplex, alongside Frisco. Parkhill also has Texas offices in Abilene, Amarillo, Arlington, Austin, El Paso, Lubbock, and Midland as well as a New Mexico office.
"This felt like a natural move for our two firms given our history of working with one another and the wealth of knowledge between the two," said then-SRA President Victor Baxter. "By joining with Parkhill, our design professionals will be able to extend into new markets and business opportunities, and it gives us the ability to provide a broader range of services to our existing clients.
"This blending of these two strong firms into one creates a broader reach and expanded capabilities that will benefit our clients and the quality of our projects."
The merger between the two firms adds to Parkhill's growing presence in the DFW area alongside the well-known civil engineering and landscape architecture firm. Parkhill and SRA had joined together on numerous projects in the past. SRA adds more than 60 years of project experience and respected expertise as trusted advisers to the Parkhill family.
"This is a fantastic opportunity for Parkhill to continue to grow as a company by serving more communities in the Arlington and Dallas-Fort Worth Metroplex," said Parkhill CEO and President Joe Rapier. "By merging these two firms into one company, it strengthens our engineering capability and adds an even stronger design presence in landscape architecture, park development, site development, and urban design for our clients."
I-30 bridge project in Arlington, designed by Schrickel Rollins.


Welcome to the wonderful world of Anatomy and Physiology! The subject can be a challenge in college but the payoff is well worth it. Learning about the inner workings of the human body may seem like a daunting task, but in order to understand emerging technologies and breakthroughs taking place in science and medicine, one must first build a core understanding of A&P.
In this lesson we'll define and contrast Anatomy and Physiology and discuss how the human body is organized. We will also review the needs and functional processes common to all living organisms.
Anatomy– studies the structure of body parts and their relationships to one another.
Cardiovascular Physiology– Examines the operation of the heart and blood vessels.
Technically, it's possible to study anatomy and physiology separately, but since function reflects structure the two are inseparable. Because of this, a key concept called the "principle of complementarity of structure and function" was made.
For example, blood flows through the heart in one direction because the heart has built in valves that prevent backflow. Bones are strong and can support the body because they contain hard mineral deposits.


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BCP in Poland with losses of 68.6 million euros – banking and financing
Andrea Hargraves May 11, 2021 1 min read
Bank Millennium, the Polish unit of BCB Bank, closed the first quarter of the year with losses of 311 million zlotys (about 68.6 million euros), according to figures released on Tuesday 11 May.
The losses were slightly less than expected by analysts polled by Bloomberg, who indicated losses of 321 million zlotys.
In a statement issued to CMVM, BCP explained that the result was "significantly affected" by the provisions regarding legal risks associated with mortgage loans granted in foreign currency, totaling 533 million zlotys (117.4 million euros), of which 21 million zlotys (4.6 million euros) related In the Euro Bank portfolio.
Excluding extraordinary items, net income amounted to 209 million zlotys (46.1 million euros), with an adjusted equity return of 9.3%.
According to the statement, new production of mortgage credit reached a record volume of 2.2 billion zlotys, an increase of 5% quarterly and 64% year-on-year.
The bank that owns 50.1% of the Chinese central bank saw operating income decrease by 6% and net interest income decreased by 10% year-on-year. Commissions increased by 5% in the same period, while operating costs decreased by 17%.
BCP will present its results for the first three months of the year on May 17th. CaixaBank / BPI analysts expect a "good set of results", with a profit of 48 million euros. These are numbers that experts see as positive given the provisions regarding Swiss franc credits in Poland.
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This blog has been on my heart so much lately. I mentioned before that I wanted it to be a place of purpose. A place where I don't just fill space and post something for the sake of saying I posted that week. To help me with that mission, I've asked 7 of my most respected, loved and admired bloggers to share bits and pieces of their hearts with you over the next 3 weeks (plus me!). Starting on Monday, we will be hearing from different bloggers on how they are living on purpose. It looks different for everyone - holds a different meaning for everyone, so to say I am excited about this is an understatement! I'll round out the posts at the end with mine, but get excited because next Monday we kick it off with Brittany from Life of Charmings!
i am so excited, my beautiful friend! thank you thank you for having me!!
yay! looking forward to reading everyone's!


Glasgow Prestwick Airport has handled a number of diverted flights this week after other Scottish airports were forced to close because of snow and ice.
On Sunday, an Emirates Airlines' flight from Dubai landed at Prestwick after Glasgow Airport closed. Also that day, Prestwick accepted a number of Easyjet and Ryanair flights bound for Edinburgh.
Monday, it hosted four Eastern Airways flights - from Norwich, Nottingham, Liverpool and Scatsta in the Shetland Islands - which were unable to land at Aberdeen Airport.
Glasgow Prestwick has been unaffected by the severe weather conditions across Scotland and its own schedule of Ryanair and Wizz flights is operating normally.
Chief Executive Iain Cochrane (pictured above) said: "Once again when severe weather strikes, Glasgow Prestwick demonstrates its value to Scottish aviation by having the space, resources and expertise to handle a wide range of aircraft at short notice. Our staff, both airside and in the terminal, did a fantastic job in assisting passengers and aircrew during their unplanned visits here.
In recent years, Prestwick has handled diverted flights from New York, San Francisco, Peking, Tokyo, Cairo, Las Vegas, Cyprus and Cape Town.


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Home » Region » 7 killed in Daesh-claimed extremist attack on country's main religious minority
7 killed in Daesh-claimed extremist attack on country's main religious minority
By AFP - Nov 04,2018 - Last updated at Nov 04,2018
Coptic Christians carry the coffins of victims killed in an attack a day earlier, following a morning ceremony at the Prince Tadros Church in Egypt's southern Minya province, onSaturday (AFP photo)
MINYA, Egypt — Angry Coptic Christians on Saturday buried relatives shot dead on a bus carrying pilgrims south of the Egyptian capital, as security was tightened after the second such extremist attack on the country's main religious minority in as many years.
Daesh terror group said it was behind Friday's attack, which killed seven Christians returning from a visit to the desert cemetery of Saint Samuel that was also targeted in 2017.
A security source said another seven people were wounded in the shootings near the central Egyptian city of Minya.
Under heavy guard by masked security personnel on Saturday, hundreds of angry Copts gathered in and around Minya's Prince Tadros Church from dawn for the funeral of six victims.
The seventh victim, an Anglican, was buried on Friday evening in a village outside Minya.
After Saturday's prayers, the bodies were carried out in white coffins bearing wreaths of white flowers, amid shouts of "with our souls, with our blood, we will defend the cross!"
They were being buried in a nearby Coptic cemetery.
"We will not forget the promises of officials, including the president of the republic, that the criminals will be punished," Bishop Makarios of Minya said in an address to mourners.
Members of the crowd, however, booed as he thanked security officials.
Many Copts accuse authorities of not doing enough to protect them, following a string of attacks that have killed over 100 members of their community since 2011.
The authorities launched an inquiry into the latest attack and on Saturday announced a compensation package of 100,000 pounds ($5,500) to each victim, as well as a monthly stipend of 1,500 pounds.
Dozens of victims' family members had waited throughout Friday night outside Minya's main hospital to receive the bodies for burial.
An elderly woman wept for her dead son and wailed as she sat on the ground outside the hospital morgue.
"He was the best child... I'll never see him again," she said.
Security forces remained on alert outside the hospital for fear of further attacks, while roads were blocked to the scene of the shooting.
A Coptic cleric, asking not to be named, told AFP around 24 people had escaped the attack unharmed and spent the night at a nearby village church.
"Should I carry a gun with me when I go to pray or when I'm at home? Because I could die if I go to church," said Michel, a 23-year-old Copt whose neighbour was killed in the attack.
He said three of the victims had been siblings.
"What do these terrorists want? Do they want us to hate Muslims?"
On Saturday, a burned-out four-wheel-drive truck, which witnesses said had been used by a group of militants in white galabiya gowns, stood near the site of the attack.
Residents had attacked the car and handed two of its occupants to security forces, they said.
As Egypt's Christians reeled from the latest attack, President Abdel Fattah El Sisi called Coptic Pope Tawadros II to offer his condolences and led a minute of silence at a youth forum.
Copts, a Christian minority that make up 10 per cent of Egypt's 97 million people, have in recent years been repeatedly targeted by Daesh militants.
In May 2017, masked gunmen ordered Christians travelling to Saint Samuel to get off their buses and recant their faith.
The group refused and were shot one by one, leaving 28 people dead in the Daesh-claimed attack.
Daesh also killed more than 40 people in twin church bombings in April 2017, and a Daesh gunman last December killed nine people in an attack on a church in a south Cairo suburb.
Egypt's army launched a major offensive in February 2018 against Daesh in the Sinai Peninsula, where the group has waged a deadly insurgency since the fall of Islamist president Mohamed Morsi in 2013, killing hundreds of soldiers and policemen.
The military offensive — Dubbed "Sinai 2018" — has killed more than 450 extremists, according to an army estimate, with around 30 soldiers killed.
"This latest attack shows that the anti-ISIS [Daesh] campaign has not yet succeeded in Egypt, despite obvious efforts by the authorities to tackle it in different parts of the country," said H. A. Hellyer, senior non-resident fellow at the Atlantic Council and the Royal United Services Institute in London.
Copts have long complained of discrimination in Egypt and Daesh is not the only group to have launched sectarian attacks against the community.
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Vigorous and effective design, elegant lines of proportion , equipped Cartier -made movements , this series of adhering Cartier watchmaking tradition Yazhuo Vietnam , called a veritable masterpiece of Haute Horlogerie . Central zone display chronograph stopwatch function . Heptagonal crown set with a faceted sapphire ; sapphire crystal, dark gray dial Glyph plating , silver openwork grille with matte effect of solar radiation pattern , black transferred Roman numerals and Arabic numerals , sword-shaped blue steel hands , sapphire crystal, transparent case back .


The 2nd collection of songs selected from the Alternative Funk series released Vox Man and VP 231 Records. Originally appearing in 1985 across 1 vinyl and 2 cassette albums these cult collections have long been in collectors (and bootleggers) sights and finally see the first official reissue. The series covers the weird, wonderful, esoteric, exotic and quirky sound and puts them in a reset context that immediately gives clarity of the original's curation. This volume opens with some DIY electro stealers, first with Dee Nasty's Orientic Groove, where the early French hip-hop pioneer lays down a battle commence of beats, slapped bass and YMO keys, before the second offering from Scoop! and their rap attack, juxtapositions the past series and leads to label heads Vox Populi! & Man and their continued look at the rudiments of cut up manipulation and scratch techniques. The avant rappears with 3M's percussive marker and legendary Amus Tietchens' is ever challenging, before Melsjest's post-punk meets the Weirmar possibly steals the side as Vox Pop spoken outro joins those (micro)dots. The cult of Randall Kennedy returns with another garage-fuzz gem. His stories for wackos'n'weirdos end all too soon and are followed by Liquid Liquid's Dennis Young, diving deep with Intuition, before Stanalis returns with another winner. Bene Gesserit is a killer and welcome addition, before Kosa return with more industrial clippings and volume 2 heads to the door with Capital Funk's electro-punk bomb – possibly the series champion – while the slap bass-scratch of California's Psyclones leads to a music hall end in the homage to mum's favourite, Chukk. What these Volumes again highlight is how the DIY aesthetic of so many independent labels was supplemented and spread via collections of friends, contemporaries and often, literally pen pals, to mail in their offerings that are then picked for wider ears. While some of these artists have become known, just as many are who and whats, but they sit side-by-side as warranted and often killing the scene of what Axel and co sought to be…the Alternative Funk.
Platform 23 launches with the reissue of the seminal Alternative Funk compilation series, presenting a selection of music across 2 volumes. Known for the highly heralded "Folie Distinguee" album in 1985, what is often over looked is the fact there accompanied 2 further "Alternative Funk" cassette compilations that same year. Coming within the Audiologie series on Vox Man Records, these "Various Artist" selections were indicative of labels that sprung up in the early 80s around the DIY post-punk scene. As founders of Vox Populi!, Axel Kyrou and Francis Man, working with close associate Pierre Jolivet's (aka Pacific 231) VP 231 label, released a number of cassettes, 7″ and LPs between 1982 and 1988, as much to self-release their own music as to push new or contemporary artists. Here then is a snapshot of the Alt Funk albums, selecting songs that avoid recent or upcoming reissues, to dive deep in the series from industrial to cold wave, proto-dub percussion to avant spoken word pieces. Featuring the likes of Son Of Sam, Philippe Laurent, Fist Of Facts – with a long lost first ever recording – and Human Backs, stepping out from semi-cult name dropping to sit alongside unknowns and never heard from again in Scoop!, Kosa, Zoohtee and the wonderful Randall Kennedy. What is apparent is an idiosyncratic nature to the selections. In the same way many independent labels of the time – such as Auxilio De Cientos' Terra Incognita volumes or Final Image's Nightlands – created a label snapshot by pulling together far and wide contributions but retaining an overall 'sound'. The Volume 1 and 2 reissue achieve that, mixing experimental with electro, post punk with noise, to offer more than the sum of their parts – an Alternative Funk.


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Mpox Vaccine Information
Mpox, the disease caused by the monkeypox virus, is rare. Over the last few months there has been an increase in cases among people who have not traveled to areas where mpox was considered more common. Symptoms can include fever, swollen lymph nodes, and a rash. Currently, mpox seems to be most prevalent among men who have sex with other men. Most cases are mild and get better on their own. However, mpox can be very painful, and depending on where it appears and the extent, the rash can lead to permanent scarring.
Symptoms and Spreading
The most obvious symptoms of mpox are rash and fever. The rash usually looks like pimples or blisters and often appears on the face, hands, feet, chest, or genitals. Other symptoms include:
Aches in muscles and back
Mpox spreads mostly through close physical contact between people. You can also catch it through contact with fabrics and other objects that have been used by someone with mpox, such as sheets or towels. While respiratory droplets can also spread the virus, it requires prolonged face-to-face exposure—usually about three hours.
The first steps in diagnosing mpox are looking at the rash and taking a patient history. If you have traveled in the last month to a country with confirmed or suspected cases of the virus—including Africa and most large European cities—you might be more likely to have mpox. Similarly, if you have had contact with someone who has a confirmed or suspected case of the virus or who identifies as a man and reports sexual contact with other men, the doctor might suspect mpox. To make a definitive diagnosis, we swab the rash and send it to the lab for testing.
Results of lab tests may take three or four days, so if your doctor thinks you have mpox, they will tell you to isolate at home until the results come back. To keep others from catching mpox, you should isolate at home, away from other family members and pets. Cats and dogs can catch mpox. If you test negative, your doctor may tell you that you can leave isolation.
Most mpox cases get better without medication. But while you have active symptoms, you will want to protect others from catching the virus. You can do this by isolating yourself at home. Stay in a separate room or area away from other family members and pets until the lesions fall off, scab over, and are replaced with new skin. This usually takes two to four weeks.
If you are severely immunocompromised, you may need treatment. This group includes people who have advanced HIV, organ transplants, or are receiving chemotherapy for cancer treatment. For these patients, we may prescribe antivirals.
The best way to protect yourself from getting mpox is to:
Minimize the number of sexual partners you have.
Ask your sexual partners if they have a rash or other mpox symptoms.
Avoid skin-to-skin contact with someone who has a rash or other mpox symptoms.
Condoms can help, but since mpox is not a sexually transmitted infection, condoms will only protect you from any rash on the penis; they won't protect you from a rash on the arms or legs.
Mpox vaccine may be available through your local health department. In New York City, you can visit this website for more information about whether you are eligible for and how to get vaccinated.
If you have scheduled a visit with a health care provider and you are concerned that you have mpox or could have mpox, please let the clinic or facility know before you arrive.
Vaccination Eligibility
If you have been exposed to mpox, getting vaccinated may keep you from getting sick. Vaccination is most effective within four days of exposure but can help up to 14 days later.
Vaccine is currently available for at-risk populations, defined by the New York City Department of Health and Mental Hygiene (DOHMH). To be eligible to receive the vaccine, you must meet any of the following criteria:
People of any sexual orientation or gender identity who have or may have multiple or anonymous sex partners, or participate or may participate in group sex
People of any sexual orientation or gender identity whose sex partners are eligible per the criteria above
People who know or suspect they have been exposed to mpox in the last 14 days
Anyone else who considers themselves to be at risk for mpox through sex or other intimate contact.
Eligible individuals can schedule appointments via the New York City site. We are also offering mpox vaccination on a walk-in basis at the Mount Sinai-Union Square Urgent Care location, Monday-Friday from 8 am to 7 pm.
Further Information About Mpox
Mount Sinai Today: Worried About Mpox? Here's How to Protect Yourself
NYC Department of Health
Centers for Diseases Control and Prevention
How To Protect Yourself From Mpox Video
What You Need To Know About The Mpox Vaccine Video
Everything You Need to Know about Mpox Infographic (PDF)
How Can I Stay Safe from Mpox Infographic (PDF)


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Governor Cuomo and Legislative Leaders Announce Agreement on Legislation to Support New York Craft Beverage Producers
TOP Governor Cuomo and Legislative Leaders Announce...
Governor Andrew M. Cuomo today announced an agreement with legislative leaders on a bill that will continue the States support of the growing craft beverage industry by cutting burdensome requirements placed on producers and rolling back restrictions regarding the marketing of craft products.
This bill would provide New York manufacturers with greater opportunities to market their products, including allowing producers to serve by the bottle and by the glass as well as permitting farm distilleries to increase the retail outlets where they can sell and offer samples of their products. In addition, this bill would reduce costs for small manufacturers by permitting them to produce more of their product at lower fees.
The legislation is a result of the States second Wine, Beer, Spirits, and Cider Summit, held this past April. The Summit brought the farm-based beverage sector together with agricultural producers and government officials in an effort to find ways to support the rapid growth of New Yorks beverage industry.
New York State recognizes that the booming growth of the beverage industry means more jobs and economic activity, and we are proud to continue our support by rolling back burdensome restrictions and enabling producers to sell more, at a lower price, Governor Cuomo said. New York is truly open for business, and this bill demonstrates our approach is working: government can be responsive to the needs and concerns of the private sector and boost important industries throughout the state. I commend members of the legislature who worked hard to bring this bill forward and I look forward to its passage.
Senate Co-Leader Dean Skelos said, "By cutting burdensome regulations and increasing support for craft beverage producers, the state is helping to provide even more opportunities for them to succeed and grow. This important industry is playing a vital role in many of our communities -- including upstate -- in boosting tourism, generating economic activity and creating new jobs. I am proud to join my partners in government in supporting this legislation."
Senate Co-Leader Jeff Klein said, "Craft breweries in New York are continuing to blossom and we have an obligation to promote this thriving industry that helps create jobs and grow our economy. As a direct result of these summits and similar legislation like Pride of New York that the IDC has helped develop, we will continue to move in the right direction for years to come."
Senator Carl L. Marcellino said, Working together, we have demonstrated our priority to make sure that New York State is business friendly and responsive to the needs of New Yorkers.
Capitalizing on the growing popularity of craft drinks, this legislation relieves burdensome obstacles that prevent manufactures from getting their product to consumers and will help continue growth in the marketplace for our States beverage manufactures."
Assembly Speaker Sheldon Silver said, New Yorks craft beverage manufacturers have capitalized on an opportunity to both showcase some of New Yorks finest products and at the same time create countless jobs. The results have been better than anyone could possibly imagine. The Assembly has been committed to passing legislation advocating on behalf these producers in order to bring them together with both public and private sector organizations to support this rapidly growing industry. By reducing cumbersome restrictions on producers and providing new opportunities to market these craft products, todays legislative agreement is a significant boost that will benefit craft producers, local economies and New York State as we work to keep our state open for business and welcoming to vacationers and tourists from all across the country.
Current law regulating the activity of beverage manufacturers is overly restrictive. Small manufacturers are incentivized against growing by laws that increase manufacturers licensing fees for any modest increase in alcohol beverage productions. Additionally, manufacturers are limited in their ability to market their products.
Measures of the legislation include:
Increasing the production cap on small producers;
Allowing farm distilleries to operate a branch office;
Allowing all manufacturers to conduct tastings and sell, by the bottle or glass, the alcoholic beverages they manufacture without a separate license; and
Lowering the food requirement that must be met by manufacturers when offering tastings and consumption on premises.
The bill would take effect thirty days after it becomes law.
Craft manufacturers have experienced unprecedented growth over the past three years. The number of microbreweries has risen from 40 in 2011 to 100 todayan increase of 150 percent. In addition, as a result of Governor Cuomos 2012 Farm Brewery law, 48 new Farm Breweries have opened up across the state. The number of farm distilleries in New York State has increased 420%, from 10 in the first quarter of 2011 to 52 today, while the number of farm wineries has risen by nearly 50%, from 195 in 2011 to 289 today. In October 2013, Governor Cuomo capitalized New Yorks designation as the countrys second largest producer of apples to implement legislative changes to further promote this important agricultural industry by creating the Farm Cidery law. The new law, that became effective on January 15, 2014, has already led to the creation of five new Farm Cideries. Including these five new Farm Cideries, New York is now home to 31 hard cider manufacturers, an increase of over 500% from 5 in 2011.
David Katleski, President, New York State Brewing Association, said, The needs of the craft beverage industry change with our growth and this bill provides for efficiencies necessary to continue this growth. Combined, the beer, wine, spirits and cider sectors represent billions in economic benefit to New York State. We commend this administration and the SLA for directly working with us and responding to our concerns with the creation of this bill. Currently, NY state ranks 26th in the nation for breweries per capita at 165. This bill allow the provisions to increase our ranking and increase beers current economic contribution of $2.2 billion.
Jim Trezise, President, New York Wine & Grape Foundation, said, "This bill marks another major improvement in the business climate for the New York wine industry, and another example of 'entrepreneurial government'. Its various provisions will streamline and consolidate paperwork, save time and money, allow efficiencies in production, and provide new opportunities for marketing and sales. Our industry already generates more than $4.8 billion in annual economic benefits for the State, and this legislation will stimulate more growth so we can increase that contribution. We thank Governor Cuomo for his leadership, the State Liquor Authority for crafting this bill in close consultation with industry representatives, and the Senate and Assembly for partnering to turn a concept into reality."
"This legislation is an important step towards modernizing New York's craft beverage laws. Distillers across New York State generate a positive impact upon regional tourism and economic development. Each of our distilleries are growing enterprises - hiring new employees, working with fellow local businesses, supporting local farmers, and engaging our communities in embracing our state's rich heritage in craft beverage production.The New York State Distillers Guild looks forward to continuing to work with Governor Cuomo and legislative leaders to support and grow New York's craft spirits industry," said Nicole Austin, president of the New York State Distillers Guild.
06.16.14.rel_.Legislation to Support New York Craft Beverage Producers Chinese.pdf
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06.16.14.rel_.Legislation to Support New York Craft Beverage Producers Haitian Creole.pdf
06.16.14.rel_.Legislation to Support New York Craft Beverage Producers French.pdf
06.16.14.rel_.Legislation to Support New York Craft Beverage Producers Korean.pdf
06.16.14.rel_.Legislation to Support New York Craft Beverage Producers Italian.pdf


It's been almost 2 years since we started Apptimize. I think part of how we got here is by not knowing how hard it was going to be, like Columbus blithely sailing to India without knowing what the heck he was doing. When I heard the story about Columbus as a kid, I thought, "What an idiot." Who starts sailing to somewhere with a bunch of ships without knowing the way? But every day we all launch towards a new world and rewrite the maps as we go.
When I started Apptimize I knew what our core strength would be: technological superiority. After working with a top team at GETCO where we were inventing technologies decades ahead of what anyone had, I knew how big a difference the team made and started recruiting the best people I knew from MIT and YC. I asked everyone who the best engineer they knew was and why. The first people we worked with were people whose references considered to be "un-hirable because they're so good they just want to do their own thing." Nevertheless I convinced some of them to join Apptimize. Everybody we hired, I made sure they were on board with the vision of inventing technology that would transform mobile innovation. Improving other people's ability to innovate was what I had concluded was the highest leverage thing I could work on.
One of the first users who deployed Apptimize was a company I'd never heard of. I looked them up was surprised they simply put us into their very popular app, especially since this was a huge company that had just IPO-ed. Awesome! Basically they realized we had the best technology, way better than they could build in house. We didn't need to do any marketing- they somehow found us despite us not being in the top search results for anything including our own name. They signed up despite our terrible website. They managed to integrate our SDK without any documentation and they deployed without ever talking with us. This was working.
Then our dashboard went down just as they were logging in to check out some test results. They were disenchanted and didn't try to log back in for months.
I reasoned the problem was that they lost confidence in our technology. A crack in one area signaled fissures in other spots. The solution was to attack the technology even more and make every single part amazing.
Then they couldn't figure out how to install the new SDK because it was different from the old SDK. We explained, "The new SDK is fundamentally different. It's better and does not require any programming at all to install. Can you start with a clean app and just follow these instructions? This SDK is easier and will give you a lot more power." Awesome, right? Everyone else who'd tried the new SDK loved it. The number of support emails about how to install went to almost zero.
This company was different. They weren't getting it and kept trying to install it the way they installed the first time.
After some back and forth, they gave up again.
I lost 10 pounds of delusions right there. I learned a lot from that experience about a lot of different areas and don't think we really made that many bad decisions, but I do think my perspective had been wrong in many ways. After all the resources we devoted into simplifying our deployments and making our product better and better, we discovered that the one customer it failed for was the one customer for which it mattered most. I had believed that if we had a product people wanted and the best technology, then we'd be good to go. I'd believed that the quality of our core features would be tested after the user set up the SDK. But that's not what happened at all. The gap between reality and my expectations was oceanic. When you're building a startup, a million things like this happen every day that teach you things you'd never learn in school.
One gap between school and reality is the way you're judged on your work. In school there usually aren't instances where everything relies on you getting the right things right at a particular moment that could happen at any time. Teachers are like, "Well, you got this one problem wrong but your work was ok so you get partial credit, and your other answers imply you understand the material, and I didn't put anything on the test that I know we haven't covered, so your total score is a B." That's not life.
There are these clutch moments all around us where everything you've been working on for years comes down to one thing happening correctly and you simply have to nail it. If the customer can't install your product, it doesn't matter how amazing it is because they'll never get to use it- you might as well have spent that whole time watching TV instead of building an awesome framework or whatever.
People have started messaging me about the YC interviews. I was debating whether YC tries to bridge that gap between real life. YC interviews are not real life; they're like school because you know when and how you'll get tested on certain areas. It's not like you'll suddenly have to demonstrate you know how to field a PR disaster if your product isn't even launched. You're at a certain stage and they only ask you things relevant at that stage and they only test that knowledge in a particular way. In real life, no one cares what stage you're in- you better be ready when the test hits.
When we had our YC interview, everything we'd been working on came together for 10 minutes where we convinced some of the smartest people alive that we somewhat knew what we were doing. It was one of the first times we've ever had to pitch to skeptics, which sounds hard but is simple if you practice because you already know what they're going to ask. No one has ever asked me a question I haven't thought of already because all I do is think about the mobile space and the probability of someone coming up with a new question in a few minutes is low. Thus just work on an answer that people will 1) understand and 2) believe. In this type of situation, anything is possible if you prepare.
If you have an interview, please message me because I'm happy to help practice. I emailed many people when we were prepping for our YC interview and every single one of them met with us. It's possible I'm a genius wrt cold emails, but for me the lesson is to pay it forward. Please give me a chance to do that!


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Skyler Woodward (born May 7, 1993) is an American professional pool player. At the 2017 World Cup of Pool, he was the runner up, alongside Shane Van Boening. Woodward has represented the United States each year in the Mosconi Cup since the 2015 Mosconi Cup. At the 2018 and 2019 events Woodward was voted the Most Valuable Player.

His entrance walk-on music is "Rock and Roll" by Led Zeppelin.

Career titles & Achievements
 2022 Racks on the Rocks 9-Ball
 2022 Buffalo's Pro Classic 9-Ball
 2022 Southeastern Triple Crown Bank Pool
 2021 Action Palace Open 8-Ball
 2020 Music City Classic 9-Ball
 2019 Mosconi Cup (MVP)
 2019 Mosconi Cup
 2019 ABN Dream Challenge Team USA vs. Russia
 2019 Texas Open 9-Ball Championship
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text:
Bank /
SAM | Published: 2019-12-07 16:30:55 BdST
Banks turning away from investing in share market
FT ONLINE
Banks' investment in the stock market has been declining gradually since 2016.
Bearish price indices eroded the profit margin of portfolio investment, prompting banks to cut their stock market exposure.
Bangladesh Bank data revealed that banks' investment in the stock market came down to 14 percent in June this year, which was 20 percent in December 2016.
However according to the Bank Company Act, the maximum allowable limit to invest in the capital market is 25 percent of capital on a solo basis, while on a consolidated basis the limit is 50 percent.
Solo basis means an investment of only banks and a consolidated basis means an investment of banks and their subsidiaries.
On a consolidated basis, the banks' investment in the stock market declined to 25 percent in June this year from 32 percent in 2016, according to the central bank's data.
In 2010, the banks' overexposure contributed to a boom in price indices in the capital market. And the banks were allowed to invest 10 percent of their liabilities. Later, the government amended the Bank Company Act in 2013, limiting the banks' exposure to 25 percent.
The banks got three years to limit their overexposure until July 2016. Since then, the banks' investment continued to decline, reducing their share to total market capitalization – the market value of a publicly-traded company's outstanding shares.
The banks' share in the market cap declined to 15 percent or to Tk55,000 crore in July this year from 29 percent or Tk100,000 crore in 2010 when there was a boom in the market.
The Bangladesh Bank, which once was tough on the banks' portfolio investment, is now providing an incentive to encourage the banks to invest in stocks.
In September, the central bank offered liquidity support to the banks at only 6 percent interest to invest in shares.
The Bangladesh Bank issued a circular to temporarily increase the supply of liquidity in the capital market for six months. The liquidity support will be provided through repo.
Despite this lucrative offer, the bank's response was poor as only one bank has taken Tk50 crore liquidity support from the central bank to invest in shares.
When contacted, an official at the central bank explained that the banks' exposure reduced due to a fall in price indices. As banks' investment in shares is calculated based on market price, exposure came down amid down pressure of price indices.
However, it created more room for banks to invest in the stock, he said.
Though there is enough room for banks to invest in shares, banks are reluctant to go to the stock market in the face of huge loss, said Syed Mahbubur Rahman, managing director of Mutual Trust Bank.
In nine months of the current year, Islami Bank's operating income from share investment was Tk125 crore, 16 percent down from the same period of the last year.
The bank made a net loss of around Tk8 crore last year against its portfolio investment of Tk3,800 crore, putting its profitability under pressure.
Islami Bank, having the highest investment in the stock market, almost halved its portfolio size last year from Tk6,000 crore in the previous year in the face of significant profit fall.
Operating income from share investment of NCC Bank fell to Tk3.60 crore in the first nine months of the current year from Tk4.78 crore in the same period of the previous year.
However, some banks saw a leap in operating income from share investment as the overall financial performance of the banking sector was satisfactory in nine months, having a positive impact on the index.
The operating income from share investment of First Security Islami Bank doubled to Tk 62.53 crore in nine months of the current year, for example.
The operating income from the share investment of Shahjalal Islami Bank also doubled to Tk45 crore in nine months, according to the Bank.
In 2018, most of the banks made a huge loss in portfolio investment prompting them to cut investment, according to the central bank data.
The Bangladesh Bank finds a correlation between the share price movement of the banking sector and the market indices.
The Bangladesh Bank's Financial Stability Assessment Report for April-June shows that the banks' share in market turnover and the broad index DSEX of the Dhaka Stock Exchange are moving in the same direction.
The DSEX, in general, is higher when the monthly average call money rate is lower. There is a positive relationship between excess liquidity of the banking system and the DSEX.
The decision of CRR (Cash Reserve Requirement) reduction in early 2018 had a positive impact on the market index, raising the DSEX.
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