WASHINGTON, D.C. – Leading Democrats on the Senate Banking and House Financial Services Committees today urged the Obama Administration to reconsider a proposal that would make it easier for lenders that have engaged in criminal behavior to keep accessing taxpayer-backed mortgage insurance.
Sen. Sherrod Brown (D-OH), the Banking Committee's senior Democrat, Rep. Maxine Waters (D-CA), the senior Democrat on Financial Services, and Sen. Elizabeth Warren (D-MA) outlined their concerns in a letter to the leaders of the Department of Housing and Urban Development (HUD) and the Office of Management and Budget (OMB).
HUD's proposal would eliminate the requirement that lenders approved by the Federal Housing Administration (FHA) certify on each loan application that they are not, or have not recently been, subject to certain charges or penalties. In their letter, the lawmakers called on HUD to provide a thorough explanation for its proposal to lower the lending standards and give the public an opportunity to comment on whether the changes are appropriate.
After millions of Americans lost their homes to foreclosure during the 2008 financial crisis, it was clear that greater scrutiny of mortgage lenders was necessary. To help address the problem, Congress passed a 2009 law that gave HUD additional tools to police lenders that use FHA's government backstop, which this recent HUD proposal appears to undermine by holding lenders less accountable at the time of origination.
In their letter, the lawmakers questioned the timing of HUD's proposal to change the standards. Just days before HUD announced the changes, the New York Times and other media organizations reported that five of the world's biggest banks were preparing to agree to plead guilty to criminal antitrust violations for rigging foreign exchange rates.
Under the current loan certification requirements, the lawmakers wrote, those big banks – including two major FHA lenders, JPMorgan Chase and Citigroup – would be barred from obtaining FHA insurance once their criminal plea agreements take effect. But under the change that HUD has proposed, with OMB's approval, those banks would remain eligible for FHA insurance – and the taxpayer-backed guarantee that comes with it – despite their criminal convictions.


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Home > Aircraft Type > Boeing > V-22 Osprey
Decals for the Bell / Boeing V-22 Osprey tilt-rotor
1:144 USMC HMX-1 Presidential MV-22s
In May 2013, United States Marine Corps squadron HMX-1 received its first Bell-Boeing MV-22 Osprey. The Osprey were acquired to replace the aging CH-46E Sea Knights that the squadron had used to support its Presidential Airlift mission. This decal provides the markings for these high-profile tiltrotors. All of the white decals are double-struck to ensure opacity, and we have also included the dark green wingwalks to replace the black ones in the kit decal.
1:72 USMC HMX-1 Presidential MV-22s
In May 2013, United States Marine Corps squadron HMX-1 received its first Bell-Boeing MV-22 Osprey. The Osprey were acquired to replace the aging CH-46E Sea Knights that the squadron had used to support its Presidential Airlift mission. This decal provides the markings for these high-profile tiltrotors. All of the white decals are double-struck to ensure opacity, and we have also included the dark green wingwalks to replace the black ones on the Hasegawa kit decal.

redpajama_set_name: RedPajamaCommonCrawl


Buy Southworth 25 Percent Cotton Fine Linen Paper, 24 lbs, 8-1/2 x 11, 500/Box at Walmart.com. ... information may not be accurate or consistent with manufacturer information. ... This set is quality-made and each page includes a watermark.
Southworth 25% Cotton Business Paper makes your documents look and feel .... but too lightweight for letterhead I wanted it for and I did not like the watermark.


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Role Play: Four Lakers Are Thriving In Their New-Found Roles
Lakers News: Kobe Played Full-Contact, Full-Court During Practice
Final Buzzer
Some may wonder why I didn't mention Pau Gasol, Wesley Johnson, Jordan Farmar, Chris Kaman, or Xavier Henry.
Well, here's why.
Gasol is supposed to be the go-to player in Kobe's absence, but hasn't quite filled that role. However, he's been playing a bit better as of late, and he's seemingly letting the game come to him and his teammates, as opposed to forcing his offense. That's great, as long as things are going well for the team, but he needs to assert himself if or when things aren't going well for his teammates. Continued conditioning and Kobe's return should definitely help his level of play and consistency.
As for Wesley Johnson, he's been inconsistent so far. Some of it's his fault, and some of it isn't. His role hasn't quite been clarified by the Lakers' coaching staff, as he has been experimented as a wing player as well as a stretch four. Right now, he can bank on starting on the wing, so that should help his consistency a bit. He had a very solid game on both ends of the floor against the Detroit Pistons on Sunday night, which is encouraging.
Jordan Farmar has also been inconsistent and his minutes didn't necessarily increase upon Steve Nash's injury. However, he was instrumental in the Lakers' victory over the Pistons on Sunday, in limited minutes (13). The good news for Farmar is that he knows his role is to lead the Bench Mob, and at times he's been the Bench Mob Boss. He should hopefully be able to become more consistent if given more consistent minutes.
Chris Kaman, I feel, has been very solid when on the court, but simply doesn't have a defined role as of yet. His minutes vary on a nightly basis, and will probably continue to do so in the near future.
Xavier Henry is wildly inconsistent at the moment due to a number of factors, and I expect this to continue throughout the season as he's a young player whose minutes will fluctuate. He's certainly good for a highlight or two, though.
On a team filled with what most would consider to be role players, four Lakers have seemingly found their roles and thrived in them. Lineup changes, rotation alterations, and continued experimentation have all contributed to inconsistency this season, but at least four players have defined roles on this team and have found ways to consistently contribute in those roles.
Steve Blake, Jodie Meeks, Nick Young, and Jordan Hill have become players the Lakers can count on to deliver on a nightly basis.
Now, we just have to see if/how those players' roles change at all upon Kobe Bryant's return, and if they can sustain their high level of play.
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Tag: new beginnings
9/9 Cycle Completions & New Beginnings
Published on September 9, 2019 September 13, 2019 by Kalayna Solais2 Comments
No matter the portal that's open or 'time of year', we get to look at ourselves, reflect on what we've walked out, and choose to see the next steps into who, where, and even WITH whom we would like to be. By this I mean, we get to choose if we're ready to embrace the steps in front of us toward our next romantic soulmate bond, a new depth of soul community experience, new approaches to money/livelihood alchemy, and above all, new ways in which we can BE with ourselves.
Sometimes as we complete one cycle we begin another one right away. Endings breed beginnings, always, as life moves through us in these cycles. These can include karmic cycles where we're being reflected the same themes over and over again even as we reach and go into the next layers of completing these patterns. These can include patterns of how we've been in relationships of all kinds too, romantic, friendship, even at work. Cycles exist everywhere and they include the many patterns we've lived out both consciously and unconsciously. It feels as if this 9/9 day is another significant opportunity to SEE patterns and where they've originated and we get to choose if/when we're ready to deeply feel them.
I always get a sense especially of 'karma' around the number 9. It's a number that is both an open and closed shape in one. It's a number that to me shows a cycle that isn't quite complete but may be in the process of completing. This is so true on a collective and personal level, where we're feeling and seeing some pieces heating up but there IS a sense of completion coming too. Or at least more opportunities to become complete with something, some cycle or pattern, if we're truly ready to show up for that.
9 reminds us somehow that we do have an array of choices before us, that we do get to find our power and act from there, but also that we need surrender too. We do have to show up at least halfway for life to truly respond to us and our deepest needs, but the real work sometimes is in the surrendering to life at the same time, and to a much bigger picture that we can't possibly fathom just yet.
I feel this for myself as I continue to explore my alchemy and what I've drawn socially too. I continue to be challenged to feel my parts in their resistances and defenses but also see my progress and just how open my heart is these days, whereas even just a couple of years ago that would have been much harder to really see or feel as true.
In my process now, I can feel my parts in the midst of completing a cycle of taking things personally that has felt ENDLESS and so heartbreaking over and over again for many years. This has helped me feel my heart even more open and compassionate toward others and where they're at right now that may not be in resonance with where I am, but that doesn't take away from my care for them. This has drawn some interesting interactions, ranging from going deep very quickly to being kicked by parts of them that are in reaction. The reality of an open heart is that we can draw either extreme… at least until parts of us no longer need that reflection from life. This is where I'm going with this now, to feel why these extremes are what's happening versus a more mellow and easily digestible experience of connection with others.
On this 9/9 day, whatever you may be feeling as a completion or a new beginning, there's plenty of alchemy to go around in either direction and sometimes in both ways at the same time. And, as always, there is SO much love with you that wants to support you through all of it. ❤
My beloveds and I are ready to serve should you desire a session with us to help you find your next places to go on your own personal path: soulfullheartwayoflife.com/sessions
On September 14th, join Raphael and Jelelle Awen for their next group transmission: https://www.facebook.com/events/1340021326164133/ on 4D Matrix/Karmic Healing! This is another opportunity to feel your next steps in healing your own karmic cycles and pain. ❤
Kalayna Solais is a SoulFullHeart Facilitator for women, energy healer, soul scribe, and poetess. Visit https://www.soulfullheartwayoflife.com for more information about space holding sessions, group calls, videos, community, etc.
Categories By Kalayna Solais, Current Events•Tags 9/9 day, 99 day, arising anew, ascension process, By Kalayna Solais, completing cycles, consciousness expansion, healing karma, healing karmic cycles, healing process, Kalayna Solais, loving yourself, new beginnings, new layers to heal, new life phases, parts work process
Incoming July Energies Support Change Choices & Integration
Published on July 5, 2018 July 23, 2018 by Kalayna Solais2 Comments
by Kalayna Colibri
It doesn't feel like we're in a phase of much being activated at the moment, though it depends very much on the phase that you find yourself in. If you've recently been navigating some significant life changes, you may find that you're actually in a phase of integrating them… and if you're trying to figure out your next step at the moment, or taking some sort of action in order to exit one phase and enter another, you may find that you're being asked to find some stillness amid challenges that are springing up. It feels like whatever side of "change" you're on right now, whether in the INcubation or INtegration phase of it, you may be feeling the birth canal of the rebirth these energies coming in are inviting you into. And what's more is that these changes are a direct result of your awakening journey so far… they are all a graduation point, even the difficult ones, and they all want to lead you to your next places on your journey.
You may be starting to realize that parts of you have been over-focused on 'making change happen' in one particular area of your life, whether it's trying to lose some physical weight, moving to a new home, looking for work, or completing/beginning a relationship. This over-focus feels two-fold to me: first, I feel there is an invitation here to feel how the work to 'make something happen' is a part trying to force something that perhaps has its own timing and probably out of a fear of missing out on an opportunity or to bring someone or something closer to you in your life for fear of losing them, or losing your next chance, whatever that may mean; and second, I feel too the invitation to begin seeing the bigger picture of the changes, that they connect to all areas of your life and not just one. It's like trying to work out by only targeting one muscle group when really it's your whole body that needs your attention and love. Plus, compartmentalizing is probably losing its ground for you in general, so the focus on only one thing/area or even person in your life is something you won't actually be able to maintain for long as it all wants and needs to connect and integrate together.
It feels like July is a 'hot' month for bringing in and settling into changes too. I get a 'coming and going' sort of feeling around it. You may be experiencing a push-pull inside of you around change too, as parts of you want it and others don't, and this polarization becomes harder and harder to ignore. You can choose to feel the parts and the ways in which they're attached to what you're taking steps to let go of and the ways they feel about what/who you're trying to let in too. Your Inner Protector especially will have opinions and observations to offer, as will other parts of you.
As always with the incoming energy waves, there's much to feel and awaken to within. You're always invited to find expanded consciousness and a brighter view of the bigger picture of Ascension, the Cosmos, etc, yet this expanded consciousness landing within you is the one that truly lights up your path, your action steps, your stillness needs, and the parts that need your love as you choose, inhabit, and integrate the changes you most need in this Now. The Divine Mother/Feminine and Her many different expressions are here to be with you and hold space with you too as you explore all of these elements of your being… I feel Her honouring all of your choice points and everything you're feeling or even 'not' feeling along the way, while also encouraging you to keep going, flowing, finding ways to BE with all of the challenges and desires, both.
Love to you as you feel all there is to feel on this next stratum of your ever-deepening healing and ever-increasing desire for everything you've ever wanted to have or happen in your life. ❤
We are here to serve you should you feel the need/desire for more support on your journey and a very illuminating 90min (for $55 usd min. donation) session to help you find your next steps for your healing and Ascension journey: www.soulfullheartwayoflife.com/bridging-session
Kalayna Colibri is a SoulFullHeart Facilitator for women around (and under) the age of 35, emoto-spiritual teacher, WayShower, energy healer, indigo-crystal bridge, soul scribe, and poetess. Visit https://www.soulfullheartwayoflife.com for more information about space holding sessions, group calls, videos, community, etc. Visit our Patreon page to offer a money donation to support our offerings at https://www.patreon.com/soulfullheart.
Categories Ascension, Awakening Process, By Kalayna Colibri, Change and Transformation•Tags Ascension, ascension shifts, By Kalayna Colibri, change, divine support, energy forecast, energy update, inspiration, integration, july energies, Kalayna Colibri, leaving and beginning, life, life changes, Love, love energies, making changes, navigating change, new beginnings, relationship completions, relationship shifts, Relationships, surrender


This master thesis focuses on modeling and simulation of fluid flow in collapsed paleocave systems, also known as paleokarst. Petroleum reservoirs all around the world exhibit karst structures. The latest ones on the Norwegian Shelf are the discoveries Gohta (7120/1-3) and Alta (7220/11-1), the wells were drilled by Lundin Norway AS and completed respectively October 2013 and 2014. Reservoirs of this kind have substantial heterogeneity because of the karst features, which has big impact on fluid flow behavior. This thesis presents a procedure for modeling paleokarst reservoirs in RMS. Furthermore, the effect of the radius of the cave after collapse is tested by comparing production curves derived from simulation of fluid flow in the paleokarst reservoir with Eclipse. Upscaling of the paleokarst reservoir model is also tested to save simulation time, while minimizing the loss of vital information about the reservoir petrophysical properties. Finally, this thesis presents several simulation results that can be used as reference curves for future simulation of either synthetic- or real paleokarst reservoirs. The study in this thesis may provide a better understanding of worldwide petroleum reservoirs that fall in the same category.


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Q: Pausing a loop until a variable changes I am making a simple game where you fight against the computer. But i have encountered a problem. In a fight i want a loop to wait for the player to attack, and then continue. But i do not know how to do that. This is the main method for at fight:
private void Battle()
    {
        // player info screen
        richTextBox1.Text = name + "\r\n" + "Health: " + hp + "\r\n" + "Arrows: " + arrows;

        // Enemy info screen
        richTextBox2.Text = monName + "\r\n" + "Health: " + monHp;

        // Output
        richTextBox3.Text = "The battle begins!"; // richTextBox3 is a log, where you can see everything that has happened.

        while (winner == 2)
        {
            if (monHp < 1)
            {
                winner = 1;
            }
            else if (hp < 1)
            {
                winner = 0;
            }

            if (turn == 1) // Player turn
            {
                // player info screen
                richTextBox1.Text = name + "\r\n" + "Health: " + hp + "\r\n" + "Arrows: " + arrows;

                // Enemy info screen
                richTextBox2.Text = monName + "\r\n" + "Health: " + monHp;

                busy.WaitOne();
                playerCanAtk(true);// Enables the player to attack. Basically a method that enables and disables the attack buttons.
                while (playerHasAtk == false) // Waits for the user to attack
                {
                  // Something that makes the loop wait, until the user has attacked
                }

            }
            else if (turn == 0 && playerHasAtk == true) // Enemy turn
            {
                // player info screen
                richTextBox1.Text = name + "\r\n" + "Health: " + hp + "\r\n" + "Arrows: " + arrows;

                // Enemy info screen
                richTextBox2.Text = monName + "\r\n" + "Health: " + monHp;

                //playerCanAtk(false); // Disables the player attack
                int monDmg = Fight.attack(monMinDmg, monMaxDmg);
                hp = hp - monDmg;
                richTextBox3.AppendText("\r\n" + monName + " attacks " + name + " and does " + monDmg + " damage!");
                turn = 1;
                playerHasAtk = false;

            }
        }

        if (winner == 1)
        {
            richTextBox3.Text = "Congratulations! You won!";
        }
        else if (winner == 0)
        {
            richTextBox3.Text = "You lost! Better luck next time.";
        }
    }

This is the rest of my code if it helps:
// Player info
    string name = "Player";
    int hp = 100;
    int arrows = 3;

    //Enemy info
    string monName = "Enemy";
    int monHp = 60;
    int monMinDmg = 6;
    int monMaxDmg = 15;

    //Other properties
    int turn = 1; // 1 = Player, 0 = enemy.
    int winner = 2; // 2 = No winner (yet), 1 = Player won, 0 = Enemy won.
    bool playerHasAtk = false;
    ManualResetEvent busy = new ManualResetEvent(false);

    private void button5_Click(object sender, EventArgs e) // Start the battle by pressing this button
    {
        Battle();
    }

    private void button3_Click(object sender, EventArgs e) // Attacking with the sword
    {
        int dmg = Fight.attack(8, 19);
        monHp = monHp - dmg;
        richTextBox3.AppendText("\r\n" + name + " attacks " + monName + " with a sword and does " + dmg + " damage!");
        playerHasAtk = true;
        turn = 0;

    }

A: A GUI program is different from a console program: it is event based. you do not wait for something to happen, you react to events.
that means, do not cram everything in one function, instead decide what should happen when a button is clicked etc. and put the corresponding code in the event handler for that.

redpajama_set_name: RedPajamaStackExchange


10 animations and 3 interactive presentations.
In order to actually see all of the coatrack information seen in Duchamp's original studio photograph in real 3D space, our eye would need to be moving in time -- see Illustration 27 showing a video of Robert Slawinski and my animation. Our analysis of the original coatrack depiction reveals that Duchamp used a common composite photo trick to "cut and paste" together his "whole" coatrack. Using 6 different photographs from 6 different fixed eye viewpoints, we believe that Duchamp cut out one section of the coatrack from each photo and then carefully fused these parts together for the final appearance of only one readymade coatrack. The spectator would only "see" this actuality of multiple points of sight "non-retinally," with conscious effort via mental visualization or actual model-making.
A color-coded diagram showing the 6 parts Duchamp composited together taken from 6 photos.
This still from our coatracks from which Duchamp selected parts to composite (as in 29A).
Illustration 29A and B show a comparison of the parts that Duchamp selected (in color coding) with an image that assembles the 6 whole coatracks, in their 6 different perspectives, together into one event simultaneously seen (using the same color coding).
In addition to the evidence resulting from our analysis of the perspective geometries, 2 other examples of internal evidence indicate that Duchamp used both "masking" and "cut and paste" techniques from the photo alterations used in hobby and trade.
A photo trick book points to the problem of "fluffy contours" created by the unintentionally cut and paste method, revealing that photo compositing has been made.
Examine illustration 30, a close up view of Duchamp's original coatrack photo, revealing what a photo trick book calls the "fluffy edges" that can easily appear as a soft whitish outline around a photo cut-out after being pasted, if special measures are not taken. Forensic experts look for tell-tale signs -- such as fuzzy contours -- as indicators that photo prints have been combined. See illustration 31A and B,two pages from "The Secrets of Trick Photography" by O.R. Croy discussing this particular problem within the cut and paste method.
Here are two pages from a photo trick book discussion about the "cut and paste" method used for creating photo composites.
Our second example of internal evidence for our hypothesis that Duchamp altered his original coatrack photograph by combining parts returns us to illustration 23E. Only after making our animation analysis of the geometries in the coatrack did I notice the potential importance of Duchamp's "working" prints of the coatrack first published in 1983 by Ecke Bonk. These prints were described by Bonk as preliminary stages of Duchamp's 1940 process in preparing pochoir prints for his publication of 300 copies of the Boîte-en-valise, (see illustration 32A and B). Bonk does not explain what the method was, or why Duchamp was cutting and pasting a separate paper cutout of the coatrack onto the background studio photo (where 3 hooks are masked out of the scene with white). Illustration 32B indicates an attempt to position only the first hook of the cutout onto the coatrack underneath. This "working print" also suggests (as judged by their two positions) that the paper cut-out coatrack is in one perspective view and the coatrack underneath, imbedded into the studio photo background, is in another perspective.
Compare this working print (32B) to our still from the video animation, where we concluded that Duchamp used 6 different viewpoints (cutouts of hooks and a wood board from 6 photographs), see illustration 32C. The similarity between 32B and C is striking. Was Duchamp using the same method of compositing multiple viewpoints into one coatrack for his pochoir print that he had used earlier to create his original coatrack in the studio photograph?
I believe that this working print serves as a "smoking gun" in our case. Not only is the cut and paste method and the geometries of the forms similar between the alterations in the studio photograph and in Duchamp's Boîte pochoir print, but his separate white-out and maskings of the wood board and the hooks now makes sense. For what purpose would the separate masking and treatment of the 4 hooks and the wood base serve (as is clearly indicated in his "working print") other than as a matrix for creating a composite image?
Related to evidence of photo compositing, as found within Duchamp's "working print" of the coatrack, is a curious 2nd version of a photograph of Duchamp's Fountain urinal taken by stieglitz in 1917, and shown in illustration 33A and B. William Camfield's 1989 book, a chronicle of the odd history of Duchamp's Fountain urinal, presented this second stieglitz photo for the first time after it quietly appeared within the archive of Duchamp's main patrons, the Arensberg's, in the 1950's.
Before discussing the potential importance of this particular photograph, and its delayed appearance for spectators, let us again examine, as we did with the hatrack and coatrack, the consistent approach that Duchamp uses to present his readymades -- as a series of snapshots over time -- now applied to Duchamp's urinal.
Note: This time line excludes urinal versions that Duchamp did not originate.
As we discovered when examining Duchamp�s hatrack and coatrack, the above set of urinal depictions in 2D and 3D do not describe one consistent 3D urinal. For example, our analysis of the studio photo 1916-17 (illustration 34D found in the 1960's), the 1941 print (illustration 34C created from a 1916-17 photograph) and the 1st version of the stieglitz photograph (illustration 34A published in the Blindman #2) reveals an inescapable conclusion -- namely, that two different urinals were represented in 1917. Again, our key question involves casualty -- did Duchamp change urinals literally or photographically? Evidence for both hypotheses exists. Duchamp did make his original 3D miniature urinal model in 1940, and he did commission others to manufacture the full edition of 300. Surprisingly, after Duchamp authorized Schwarz to make editions of 14 of his "readymades," Schwarz failed, despite intensive search, to find even one of the 14 mass produced objects close enough to Duchamp�s originals in 2D or 3D to serve as prototypes for the editions. Therefore, Schwarz had to organize the manufacture of all 14 editions himself. Stranger still, no duplicate urinal has even been found in any catalogue, including the literature from the very company that Duchamp specifically named his source for his urinal -- the Mott company.


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Lonny Bereal "Favor" featuring Kelly Rowland & Chris Brown (Remix)
Lonny Bereal adds Chris Brown to the remix of his single "Favor" which already features Kelly Rowland.
Lonny Bereal "Favor" (feat. Kelly Rowland) (Video)
News: Hit Songwriter Lonny Bereal Teams with Kelly Rowland for Debut Single "Favor"
New Music: Lonny Bereal - Don't Play Wit It (featuring Busta Rhymes & Chris Brown)
New Music: Lonny Bereal "O'Girl" featuring J-Doe
Lonny Bereal "Sipping on You" Featuring Eric Bellinger, J-Doe, & Kevin McCall (Produced by…
Lonny Bereal "Things I Would Say"
Anon	on September 17, 2011 at 5:06 am
I wouldn't really call this a "remix" because this was actually the original version of the song. Only difference was Kelly Rowland's part was sung by Teyana Taylor.
Slam	on September 17, 2011 at 9:49 am
Can't argue with you there. However, I guess Lonny wanted to re-do that part and is labeling this as the new remix of it.


This well-marbled steak is juicy with excellent beef flavor. Similar to the flat iron, but the connective tissue has not been removed.
Make a sandwich with all the delicious flavors of bruschetta for a hearty meal. Tender juicy steak with tomato-olive salsa on grilled bread is simply divine.
Combine tomatoes, olives, basil, red onion, vinegar and 2 tablespoons olive oil in a small mixing bowl.
Place top blade steaks on grill over medium heat. Grill uncovered to desired doneness g once. Place on cutting board and allow to rest 5 minutes. Slice thinly across the grain.
Slice bread in half lengthwise, brush bread with remaining olive oil and grill until surface is crisp and golden, about 2 to 3 minutes. Remove bread and sprinkle with salt.
To assemble, place steak on bread and top with tomato-Olive Salsa. Serving option: Slice bread into 1/2-inch thick slices, top with greens, steak, and salsa for appetizers.


The 'Future of Jobs in India: A 2022 perspective' report was launched today by EY, the survey being commissioned by FICCI and NASSCOM. The report states that by 2022, 50 to 55 percent of Indian workforce in the automotive sector would be deployed in jobs that have radically changed skill sets.
The survey undertook extensive primary and secondary research and analysis. During the primary research, EY interacted with more than 130 business leaders, academicians and representatives of industry associations across sectors (IT-BPM, automotive, retail, textiles and apparel, BFSI) in India.
According to the report, more than 75 percent of the industry experts believe that the rising middle-class and creation of highly optimised supply chains are the two primary megatrends impacting the sector. The country would continue to be an attractive hub for manufacturing due to availability of abundant low-cost labour for at least two years. Along with the rising middle-class which currently accounts for low auto ownership (18 cars per 1,000 citizens) will drive the demand for the domestic automotive industry.
The survey findings provide insights into the future of jobs and vision of change for the job market in India by 2022, highlighting the impact of various primary forces such as globalisation, demographics, and Industry 4.0/exponential technologies, which are expected to have on the key sectors of the economy.
Of the surveyed industry executives, 70 percent recognised the strategic importance of smart connected products for the industry and 55 percent stated big data, cloud computing as one of the key technology drivers in the automotive industry. Robotics and automation is seen as one of the most impactful technologies for the Indian automotive industry by 50 percent of the respondents.
It further found that increasing automation through robotics that is being adopted the repetitive jobs roles such as painting and welding are being threatened. On the other hand, opportunities in robotics programming and maintenance will increase.
The Indian automotive company's survey attests to the deployment of robots on the shopfloor, making its way through die-casting and welding. Robots have enabled almost 70 percent to 100 percent automation in weld shops, press shops, cast shops and paint shops. It further expects that paint and welding shops to be completely automated by 2020, while the use of robots in the assembly line is limited to 20 percent across companies.
It states, that with robots further penetrating into assembly operations to enable higher degree of automation and lower costs for the manufacturer, 50 percent of the respondents described robotics/automation to be one of the most impactful technologies for the Indian automotive industry. The companies are also exploring the deployment of robots in the logistics function.
The advancements in IoT, big data and cloud computing are the building blocks to offering embedded smart, connected cars with functionalities such as advanced navigation, predictive maintenance, vehicle-centric services, remote monitoring of car features, external mobile experiences and over the air updates. Thus, the convergence of low-cost sustainable technologies, smart design and integration, innovative business models, and supportive policies for sustainable mobility services will have the potential to dramatically transform the automotive industry. This emergence of new-generation technologies is demanding a new set of skills from the auto workforce.
- The automotive sector would continue to hire at a rate of 2 percent to 2.5 percent YoY against a historical growth rate of 3 percent to 3.5 percent to reach 14.3 million in 2022. And 60 percent to 65 percent of the jobs in 2022 would require new skill sets.
- India's automotive industry saw increase in automation, while plant-level automation at most OEMs remains at 30 percent; its level in the body shop is beyond 95 percent.
- Out of the surveyed industry executives, 70 percent recognise the strategic importance of smart connected products for the industry.
- With the introduction of connected cars, big data, and cloud computing, new skill-sets will be required in design, operation as well as other elements of the auto value chain in the next five years.
- Some of the potential new job roles in the automotive sector include Automobile analytics engineer, 3D printing technician, Machine learning based vehicle cyber security expert and Sustainability integration expert.
How to upskill manpower and win over automakers.


text:
The Untold Story of Africa's Secular Tradition
Conscience Magazine
In Catholic Circles
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Safiya Hussaini stands outside a Sharia court in northern Nigeria. She had been convicted of adultery and sentenced to death by stoning. Hussaini was appealing the sentence because she said her infant daughter was conceived by rape. © Reuters/Vincenzo Pinto, 2002
2014 Issue 1 Africa public policy religious freedom
By Leo Igwe	/ / Posted Feb 19, 2014
Unlike in Europe and in other parts of the Western world, secularism has not succeeded in defining the political landscape in Africa. In fact, the secularization of Africa has been marked by contrasts and contra-dictions, false starts and setbacks, misconceptions and misrepresentations, dilemmas and ambiguities due to the complex interplay of religion and politics in the region. The process of separating religion and state has been under siege due to the powerful influence of Christian churches—including support from the Vatican and American evangelical groups—and Islamic organizations funded and backed by Saudi Arabia, Iran and other Organization of Islamic Cooperation (OIC) countries. The major challenge is that the notion of secularization is largely misrepresented by politicians in Africa, who are bent on sustaining the image of a "religious continent" to further their own interests.
Rooted in the European Renaissance and the Enlightenment, secularism guarantees the state's neutrality and impartiality on religious matters and provides institutional protection against the establishment of theocracy and religious dictatorship. Constitutionally, separating religious and state authorities guarantees the equality of individuals of different faiths and of none before the law and protects the human rights of all, including the rights of religious minorities.
Africa is religiously and culturally plural. Hence, it is imperative that governments be secular—that is, unbiased for or against any religion. But this is often not how it turns out. Many African states are constitutionally secular in principle, but in practice there is a lot of melding of religious and political spaces. Religious groups pressure governments to make their dogmas and doctrines state policies.
As Nigerian columnist Abimbola Adelakun observed: "Religion in Nigeria, by the way, is about politics and politics is about contesting spaces. When sects push for space for their religion to thrive, it is not necessarily about social equality. The aim is their cut of socio-political relevance and the capital they can build with it."
Religious groups interfere with state matters as they contest for space and influence. Many of the de jure democracies we have in Africa today are really only quasi-democracies—de facto Christian, Islamic or "chrislamic" theocracies. Many politicians regard the idea of separating religion and state as a Western notion that is alien to African political culture and values. Some view secularism as a legacy of European cultural imperialism and political irreligionism. They equate secularism with atheism and think secularization is a process of eliminating religion from society and enthroning atheism as the state "religion." Some Africans think separating religion and state is incipient communism—a creeping socialist agenda. To certain Muslim eyes, the roots of secularism lie in Christian Europe, making it a repugnant worldview to Muslim theocrats, who do not subscribe to the notion of separating mosque and state.
But the idea of separating religion and government is not new to Africa. Elements of secularism are identifiable in pre-colonial African societies, unlike what some African religious leaders would have us believe. For example, in 2006, Professor Maake Jonathan S. Masango from South Africa told the US Congressional Human Rights Caucus that "in the African tradition, religion is a very integral part of our culture. So it is not easy to simply place things in compartments; 'this is the religious part [and] this is the secular part.'" Such misrepresentations serve the interests of priestly politicians and political priests. On the contrary, in Africa, worldly and otherworldly things have actually existed in compartments, not merged as contemporary religious ideologues claim. Unfortunately, the colonial mentality and Christian and Islamic indoctrination prevent many Africans from acknowledging the secular elements and roots in their culture.
Separation of Religion and State in Pre-Colonial Africa
Kingdoms and chiefdoms, or their variants, prevailed in pre-colonial Africa. Magico-religious beliefs were strong and widespread. Priests, soothsayers and diviners were among those social actors who managed the communities.
Still, political and spiritual roles were separate and distinct, and these royal and clerical powers were not always invested in one person. The kings and chiefs were not the priests or clerics. The chiefs handled secular issues and usually referred spiritual matters to the priests. Secular and sacred spaces were not one and the same. The palace was distinct from the shrine. The distinct roles of traditional rulers and priests/priestesses have been documented in communities in Nigeria, Ghana, Uganda, Tanzania, Burundi and Zambia. Indeed, there was the notion of the divine rights of kings, which meant that the kings were chosen by the gods, not that the kings were priests. Among the Azande in Central Sudan, the duties of kings and princes were separate from those of the oracles. And for the Ibos in Southern Nigeria, the functions of the traditional rulers—the Ezes and Obis—were different from those of shrine managers (Didia afa) and other custodians of the local deities and spirits.
There were, however, also cases where the chiefs were the priests and performed political as well as religious duties. These were the exceptions, not the rule, in pre-colonial Africa. In the Mamprusi region in contemporary Ghana, the Gambarana, as the chief of Gambaga is called, is the only chief in the area who has both political and spiritual powers. Other chiefs do not; they have priests who carry out religious functions and responsibilities. The Gambarana, by contrast, is both the chief and the chief priest of Gambaga.
So the idea that the separation of religious and state affairs was completely unknown in precolonial Africa is patently untrue and does not reflect the social and political reality at this phase in African history.
Secularism in Colonial Africa
The situation changed with the advent of colonialism. The colonial authorities introduced new dynamics to politics and religion in Africa. These dynamics transformed state-religion relationships in the region.
Colonial authorities enthroned the European model of legal and governmental institutions to assert their power and legitimacy over the colonies in Africa. The state bureaucratic system they established was supposed to be secular, but it was not. The colonial establishment had a religious layer—a strong Christian religious coating and character. The colonial presence comprised not only administrators, explorers, armies and settlers, but also missionaries sent to Africa by different Christian religious orders and denominations in Europe. The colonial state system was not religiously neutral. Through the colonial alliances with churches, Christianity was introduced into the African political process.
The idea of separating religion and government is not new to Africa. Ele-ments of secularism are identifiable in precolonial African societies, unlike what some African religious leaders would have us believe.
This meant that Christian colonial authorities faced resistance from Muslim-dominated parts of Africa. (Before European colonists arrived in Africa, Islamic rule and religion held sway in parts of the continent. Muslim clerics and warriors from North Africa and the Middle East had colonized many parts of the region through trade, preaching and holy wars.) Through their policy of indirect rule and military conquests, colonial governments were able to forge alliances with local Muslim rulers and establish political control over these communities. However, Muslim theocrats opposed colonial rule because they saw it as a front for Christian domination and expansionism. This opposition galvanized into an anti-colonial struggle that engulfed the region.
The Catholic church did not play an active role in the early days of the struggle against colonial authorities because the hierarchy of the African church was mainly white missionaries, some of whom were also part of the colonial establishment. The church had a vested interest in the colonial status quo. In fact, some colonial governments provided financial aid to mission schools. State grants were critical to the sustenance and survival of Christian mission schools in Nigeria.
This was not the case in Muslim-majority communities. Muslims opposed European Christian domination and the rule of "infidels." They mobilized against colonial oppression and exploitation, but for reasons that were incompatible with secularism. According to historian Benjamin Talton, Sheikh Almadou Bamba, a Muslim leader who founded the Mouride Brotherhood in late 19th century Senegal, was an example of an African leader who worked to separate "from colonial authority rather than challenge it." Bamba's goal in establishing his fraternal organization for Sufi Muslims was to "protect Islam from the corruptive forces of European rule," and not directly oppose European rulers, although he was targeted by colonial authorities all the same.
Other Africans—Christians, traditionalists or non-believers—allied with liberation movements from other countries in their fight for independence and self-rule. The movements against colonial domination had a religious undercurrent, as politics in postcolonial Africa would reveal.
Separating Religion and State in Postcolonial Africa
The early days of independence were promising for secularism in Africa, with the separation of church and state offering a solid framework upon which to build modern, progressive states. The prospect of shaping a free, democratic and secular Africa was bright. Many countries adopted a secular constitution establishing a wall separating religion and state—with the powers of the presidents on one side and those of priests and bishops, imams and sheikhs on the other. But decades after independence, many of the secular hopes and promises have been dashed. Some governments have pulled down this wall of separation or have gone so far as to merge religion and state. Many African politicians have campaigned with, and were elected for, religious reasons. Others campaigned as democrats but ruled as theocrats. This trend has been mainly due to pressures from religious groups and institutions.
The separation of religion and state in Africa has had some of its most pronounced breaches in matters concerning sexuality education and the reproductive rights of women.
At the end of colonial rule, Muslim-majority countries in Africa adopted Islam as the state religion and sharia (Islamic law) or its adaptation, as state law. For example, shortly after Nigeria returned to democratic rule in 1999, Muslim-majority states in the north imposed sharia law in a country that "was supposed to be secular," as Ali Mazrui, a writer on African and Islamic studies, observed. The espousal of sharia has had numerous negative impacts on human rights in the region. In 2003, a sharia court sentenced a Nigerian woman to stoning for adultery. In 2010, Sani Ahmed Yerima, a Nigerian senator, defended his marriage to a 13-year-old girl by citing Islamic law. The freedom of religious minorities has also suffered in the region. Since sharia came into force, non-Muslims have been subjected to discrimination in the workplace, in education and in political appointments. Churches have been destroyed, Islamic dress and codes curtailing drinking have been imposed on non-Muslims. In November in the Nigerian city of Kano, police enforcing the Islamic principle of Hisbah—maintaining a society in conformity with the laws of Allah—destroyed over 240,000 bottles of beer as part of its crackdown on "immorality" in the state.
The separation of religion and state in Africa has had some of its most pronounced breaches in matters concerning sexuality education and the reproductive rights of women. The Catholic hierarchy in Africa opposes sex education in schools as well as the use of condoms, even with the continent gripped by the HIV & AIDS pandemic. The hierarchy continues to frustrate African governments' plans to make contraceptives more accessible and abortion safe and legal. The hierarchy in Uganda, under the aegis of the Uganda Joint Christian Council (UJCC), has come out against the proposal to legalize abortion from Sarah Opendi, the state minister for health. The executive secretary of the UJCC, Fr. Silvester Arinaitwe Rwomukubwe, explained his opposition to the proposal in an interview with Uganda's Observer, stating that abortion was against the teachings of the Bible and the church. Health experts say that at least 1,500 girls in Uganda die every year from complications resulting from unsafe abortions.
In Nigeria, the Catholic hierarchy recently pressured Governor Rochas Okorocha, the governor of the Imo state in the southern region, to repeal a law that had legalized abortion—according to the local archbishop's interpretation of it. Archbishop Anthony Obinna mobilized the hierarchy and the community against the governor because of a section of the law that stated: "Every woman shall have the right to enjoy reproductive rights including the right to medical abortion in cases of sexual assault, rape, incest and where the continued pregnancy endangers the life or the physical, mental, psychological or emotional health" of the pregnant woman. The Catholic hierarchy in Nigeria, in the name of its "prolife" campaign, continues to block the government's efforts to provide legal protection for the lives and health of women by guaranteeing access to safe and legal abortion.
The Endangered State of Secularism
Zambia's Frederick Chiluba, a Pentecostal Christian who ruled the country from 1991 to 2002, declared Zambia a Christian nation shortly after he was elected. Chiluba was praised by Christian groups and leaders across the world, including American evangelist, Pat Robertson. The case of Chiluba is indicative of the endangered state of secularism in Africa.
In particular, it demonstrates that there is an international dimension to mixing religion and politics in the region. African religious organizations and leaders often act under the influence of the Vatican and the Organizations of Islamic Cooperation. They receive moral and financial backing from rich and powerful evangelical and Islamist groups and institutions around the globe. Until African politicians begin to muster the will and the statesmanship to neutralize these pressures from theocratic establishments, the promise of a secular Africa will continue to elude the people of this region, and the idea of an Africa where religion and state are separate will remain a pipe dream.
Leo Igwe is a former Catholic seminarian and current freelance journalist and human rights activist. He holds an MA in philosophy from the University of Calabar in Nigeria and is working on a PhD project at the Bayreuth International Graduate School of African Studies in Germany.
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text:
John Grey & Sons (London) Limited, a subsidiary company of Barnett, Samuel & Sons, was established in Westminster in 1832. The company became well known for the manufacture of fine banjos, guitars and drums. The company was founded in 1832 and originally manufactured watches and steel pens and only distributed musical instruments wholesale. In 1928, the company was bought by Rose, Morris & Co.

"There was, at the turn of the century, a well established musical instrument house called Barnett, Samuel & Sons, and from this root had sprung the Decca Gramophone Company, amongst others.  An offshoot of this organisation was the company of John Grey & Sons (London) Limited, established in Westminster in 1832, renowned for its fine banjos and by 1932 trading in the full range of musical merchandise in Worship Street, not far from the premises of Rose, Morris & Co. Ltd.  After delicate negotiation, the John Grey stock and business were acquired by R.M."

References

Percussion instrument manufacturing companies
Companies established in 1832
Musical instrument manufacturing companies based in London
Companies based in the City of Westminster

redpajama_set_name: RedPajamaWikipedia


Health is one of the most researched topics online. It could be youth health, old age health or simple diet tips. There is no limit to the topic. Just Add Album a Pinterest style blog is the new entrant which allows the users to get a detailed knowledge about all types of health queries. The site largely covers all health articles which could help health freaks in some or the other manner. So, if you're looking for some interesting healthy notes, then why not check this new startup.
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Whether it is about insomnia or seasonal allergies, swimming benefits or tooth ache, you can get a broad access to all health related topics under one roof. So, the next time, you're finding difficult to access different sites for health issues, you can easily visit Just Add Album and get solutions for the same at one place. Health is something which no one likes to compromise with.
And Just Add Album gives you a broad access to different health topics at one juncture. The highly quality content and rich fitness articles are bound to please the readers. Every health article hold great knowledge which can never harm or side effect any reader in any way. So, browse the site and feel free to follow anything related to your health. It is the most suitable way to know about your health issues.


Biotechnology and Alternative Carriers are this week's best groups. Regional Banks and Metal & Glass Containers are this week's worst groups.
Biotech and Small Biotech lead this week while Regional Banks and Hypermarkets & Super Centers lag.
Automotive Retail improved into the top five rankings; Biotechnology, despite being out of favor, has both long-term growth potential and higher profitability than Pharmaceuticals; Developed Diversified Banks is up almost 20% since the election.
Biotechnology and Biotech...Small/Micro were this week's best groups. Tobacco and Precious Metals were this week's worst groups.
Pharmaceuticals and Biotech...Small/Micro were this week's best groups. Real Estate Investment Trusts and Department Stores were this week's worst groups.
Biotechnology and Biotech...Small/Micro take the lead this week. Diversified Banks and Department Stores were this week's worst groups.
Biotechnology and Health Care Facilities are this week's best groups. Oil & Gas Exploration & Production and Oil & Gas Drilling were this week's worst groups.
Biotechnology and Diversified Chemicals were this week's best groups and Oil & Gas Exploration & Production and Oil & Gas Drilling were this week's worst groups.
Biotechnology and Health Care Services were this week's best groups and Electric Utilities and Coal & Consumable Fuels were this week's worst groups.
Biotechnology...Small/Micro was this week's best group and Independent Power Producers & Energy Traders was this week's worst group.
Biotech (all sizes) had a huge week adding to impressive YTD results.
Biotech & Managed Health Care continue strong year, Coal & Consumable Fuels struggle.
While we view the industry group selection as the most important decision, looking at the sector level rankings also helps us identify broad trends. Here we highlight the top two rated sectors, currently, which also represent a combined >40% weight in our Select Industries Portfolio.
While Large/Mid Cap Biotechnology companies are boasting rising profitability, better cash flows, and stronger drug pipelines, the Small/Micro Cap Biotech firms, in general, have little tangible to show and valuations may be above the comfort zone.
Most of the factor trends that were in place at the end of 2014 have continued in 2015 thus far.
This group offers low correlation, some defensive qualities, and a dose of volatility. Health Care is now the top rated broad sector and we are overweight this sector in Select Industries Portfolio.
Internet Retail and Biotech lead the latest week while Home Entertainment Software and Live and Health Insurance lagged.
Health Care Strength... More Than Biotech?
Three groups currently rank Attractive in the GS Scores: Health Care Distributors, Managed Health Care, and Health Care Equipment.
Select Industries Equity Portfolio established new holding in Biotech, which boosted Health Care exposure in that portfolio to over 45% of assets.
Adding Biotechnology to Select Industries equity portfolio.
Adding new 6% holding in Biotech stocks, replacing holdings from Distillers & Vintners as well as Fertilizers & Ag Chemicals (both groups deactivated).
Health Care was our top-ranked sector from March 2003 to February 2004. Since that time, the sector's composite score has steadily fallen.
We view Health Care as a key theme in 2004. The sector is defensive and sports high growth rates thanks to the large (and growing) demand from elderly Americans.
There was a brief pause last month in our Health Care scores, and we were proceeding with caution. This month, our GS Score work regained some of that lost momentum.
Conceptually we think that the big drug stocks are poised to rebound, but they have yet to rank Attractive in the Group Selection Scores.
We've carved out subsets from Wall Street's oversimplified classification of drug stocks.
New Biotech holding increased Health Care commitment in Select Industries to 27%.
We are activating the biotech sector in the Paid to Play Portfolio. The SS Score jumped to Attractive this month.


text:
Q: How to route in electron react app during production I am using electron 6.10.0 and using React.js.
In my app, there is an add task option in menu, which creates a new window.
Everything works fine during development, but during production this line causes problem.
addWindow.loadURL(isDev ? 'http://localhost:3000/add' : `file://${path.join(__dirname, '../build/index.html')}`);
It loads index.html, through which it loads index.js and which renders router.js. This is the code in Router.js.
<HashRouter>
    <Switch>
      <Route exact path="/" component={App} />
      <Route exact path="/add" component={addWindow} />
    </Switch>
  </HashRouter>

Mainwindow works fine because the hash is ' / ' but for add window the hash doesn't change and it loads the mainwindow content again in addwindow.
How to use the route/Router during production, or is there any other way around.
Thanks in advance.

A: In my case, I had a problem with a hash fragment in a path that is encoded as /build/index.html%23add, and that file/url doesn't exist.
I added hash property to url format and all works fine.
const path = require('path')
const url = require('url')

url.format({
    pathname: path.join(__dirname, 'index.html'),
    hash: '/add',
    protocol: 'file:',
    slashes: true
})

A: Ok, I solved it by adding #/add at the end of the link, like this:
addWindow.loadURL(isDev ?
'http://localhost:3000/add' :
`file://${path.join(__dirname, '../build/index.html#/add')}`);

A: I had the same issue while trying to build electron/react app. url.format() works like a charm but unfortunately it's deprecated since node v11. I made a simple helper function that uses new URL class syntax.
const isDev = require('electron-is-dev');
const { URL } = require('url');

// Define React App dev and prod base paths
const devBasePath = 'http://localhost:3000/';
const prodBasePath = `file://${__dirname}/build/index.html`;

const constructAppPath = (hashRoute = '') => {
  const basePath = isDev ? devBasePath : prodBasePath;

  const appPath = new URL(basePath);

  // Add hash route to base url if provided
  if (hashRoute) appPath.hash = hashRoute;

  // Return the constructed url
  return appPath.href;
};

console.log('initial path', constructAppPath());
console.log('hash path', constructAppPath('/example/path'));


�� White Forest Backgrounds for Powerpoint Presentations - Without needing to check the other backgrounds, you are able to choose this one and download it to your computer. When you are creating a slide show you need to be careful about choosing the background, font and colours. That is why; choosing a proper background is crucial. So you will have the opportunity to impress people. This background will have you use variety of colours and graphics easily and will have you like the outcomes. You can look for the samples in our website. Also, having more graphics in your presentation will make you look very educated and experienced. Your audience will be impressed by the lyrics colour on the background, and the presentation will be more attractive. The slide shows can hold and present information and also be very fancy. Long story short; the background is the first pieces of your presentation which impressed the people. What ever you do, has to be fancy. You may need to change the framework based on the importance of your documents and its content. This, you will be able to use all your favourite colour in your slides. Which makes it a very useful background. This background will ease the audience eyes during the presentation, with its bright colours. You may use blue and green with the font in order to impress people. You may the colours of lyrics as black or grey. If you are choosing this powerpoint background, you will be able to apply each lyric font and colours on it. And you will be more successful and liked by the audience. If you have a lot of graphics and pictures on your slides; you need to be more careful about choosing an appropriate background. To reach coherent and colourful samples you just need to click. And also you may check "The Most Liked" section to see more samples. When you add little bit creativity to this background you will make awesome presentations..
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The mechanism ofrenal injuries is classified as blunt or penetrating. The distribution of blunt and penetrating injuries depends on the location ofthe reference center. In rural settings, blunt trauma can account for the largest percentage of renal injuries (90 % - 95 %) (Krieger et al. 1984). In urban settings, the percentage of penetrating injuries can increase to 18% (Sagalowsky et al. 1983) or higher.