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Are Car Subscriptions the Next Big Thing? Here's What to Know Before You Subscribe
Car subscriptions are gaining in popularity. Should you consider subscribing? Here's what you need to know before jumping in.
Chaya Milchtein
Chaya Milchtein is an automotive educator, journalist, and speaker as well as the founder of Mechanic Shop Femme. She's made it her life's mission to educate women and LGBT people about their cars.
It seems like there is a subscription service for everything these days. You can order a meal subscription, a snack subscription, a coffee subscription, a plus-size fashion subscription—there's even a mystery subscription for this spookiest time of the year. So why not for cars?
SUVs, for example, cost a lot more money than smaller cars—but what if you only want to drive one occasionally? Perhaps you need one for road trips in the summer, or for your kid's baseball season, but the rest of the year a sedan works just fine. Car companies have been attempting to roll out their own versions of the popular subscription model for a while, and many consumers are very interested. An Adtaxi study found that, in fact, 66 percent of car shoppers would be into the subscription model.
Some car subscription services and manufacturers—including Volvo's—already brand themselves as a convenient alternative to traditional car ownership. However, regular Joes and automotive experts (myself included) alike tend to feel that a subscription like this is a luxury service—one that isn't usually the financially prudent choice.
Here are some things you should know before subscribing for your next car.
The Types of Car Subscriptions Available
Styles of subscriptions vary from program to program. Some allow you to replace your vehicle monthly, others every week, while others don't allow you to switch your vehicle at all.
Volvo offers Care By Volvo, which is one of the farthest-reaching subscriptions services, operating across the United States except in California, Hawaii, Mississippi, North Carolina, North Dakota, and South Dakota. (They do have a different version of the program in New York.) Volvo's program only provides subscribers with brand-new vehicles every time.
Nissan recently started a more budget-friendly program called Nissan Switch, but it's currently only available in Houston, Texas. Porsche offers both Porsche Drive subscription and rental in select major cities across the country.
Most car subscription fees include the car itself, maintenance, repairs, and even car insurance. Some include a limited amount of "damage waiver," road hazard for any damage to your tires (such as leaking air from running over a nail, or blowouts), as well as roadside assistance.
Who wants a car subscription service?
Car subscriptions are pricey and you don't build any equity. At this point, I'm still convinced that the subscription services are not for the average car buyer; they feel like a luxury service with a luxury price tag. While that may change in the future, it's very much the case at the moment.
"They [car subscriptions] tend to be a lot more expensive than buying or leasing a vehicle, and fewer and fewer automakers are still offering them," says Keith Barry, auto writer at Consumer Reports. "A subscription like Porsche Drive would let someone try out driving a sports car like a Porsche 911 when they want to, but drive a more practical luxury SUV when they need the extra space."
Even if the expense doesn't dissuade you, it might not be a fit for your needs—or you may not be eligible. Most car subscriptions have a cap on the number of miles you can drive, so if you do a lot of driving, buying a car might be the best option for you. Subscriptions also require you to be eligible, typically by passing both a credit check and qualifying for the program's car insurance. If you have multiple traffic infractions, such as DUIs, or subpar credit, you may not be eligible to subscribe.
However, there is a definite shortage of vehicles available for purchase right now, which has led to skyrocketing car prices. Investing in a short-term subscription service for a few months while prices stabilize might (the keyword being "might") make sense if the numbers add up.
The Future of Car Subscriptions
While customers seem to be interested in the car subscription model, vehicle manufacturers don't seem to be extremely successful at keeping their programs running. Perhaps it's the cost, the limited number of brands that currently offer them, or simply due to subscriptions not being widely publicized (and available only in select cities when they are).
Whatever the reason, a revamp and redirection is likely necessary before the car subscription model becomes a long-term and real option for a wider swath of car buyers—or would-be subscribers. Of course, that doesn't mean that vehicle manufacturers won't try to develop other types of subscriptions—in addition to or instead of car subscriptions—given the widespread interest in, if not accessibility to, the model.
"Instead of paying for, say, navigation or adaptive cruise control upfront as an option that you paid for once, you'd subscribe to the feature when you needed it," says Berry. "Porsche, Tesla, and others are already trying out subscription plans for their advanced driving assistance systems, and in Europe, some automakers are even turning options like heated seats into monthly subscriptions."
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PASI studies new states of matter
For nearly two decades nuclear and particle physicists have been searching for experimental evidence of a new state of deconfined hot quark-gluon matter. A recent study institute in Brazil took stock of their progress so far.
The Leão da Montanha (Mountain Lion) hotel in Campos do Jordão played host to the PASI on new states of matter in hadronic interactions. (Takeshi Kodama.)
The search for a phase transformation between hadronic matter and a state of deconfined colour charge, generically known as quark-gluon plasma (QGP), began in the mid-1980s with experiments at CERN's Super Proton Synchrotron (SPS) in Europe, and Brookhaven's Alternating Gradient Synchrotron in the US. In 2000, the search moved onto the Relativistic Heavy Ion Collider (RHIC) at Brookhaven (CERN Courier March 2001). A deconfined quark phase is predicted by numerical solutions of quantum chromodynamics (QCD) at finite temperature, and so its identification would be a dramatic manifestation of the theory that governs strong interactions.
The idea of organizing a Pan American advanced study institute (PASI) under the auspices of the US National Science Foundation's Americas programme was first advanced in early 2000. A number of heavy-ion researchers recognized that such an institute could help emerging research groups in Latin America, and would serve as a focus for potential new participants from widely scattered and distant locations in the region. Planned as an advanced school rather than a conference or workshop, the objective of the institute was primarily pedagogical, although the presentation of the most recent results in both theory and experiment was also on the agenda. Of equal importance, however, was PASI's role as a meeting place where participants could forge new working relationships, and the selection of the small Brazilian mountain resort of Campos do Jordão as the venue was made with this in mind.
The participation reflected a good regional balance, with 20 US and European physicists, and 28 Latin Americans. There were 5 US/European and 16 Latin American postdocs, and 23 US/European and 36 Latin American students. The primary lecturers delivered hot-off-the-press scientific material on all aspects relevant to heavy-ion research, including the theory of strong interactions and experimental heavy-ion collision results. Lectures ranged from elementary tutorial-style introductions to technical seminars at the forefront of the subject. The study of the properties of QGP and the confining vacuum structure was at the heart of the meeting. Daily discussion sessions allowed the principal lecturers and the participants to interact. One afternoon was devoted to a survey of research activities in Latin America. The school was supported by the US National Science Foundation and Department of Energy, Brazilian federal and state agencies (CNPq, FAPERJ, FAPESP, the Federal University of Rio de Janeiro and the University of Sao Paulo), and by Germany's GSI laboratory.
Broad programme
Poster sessions gave room for lively discussion. Left to right: Guido Altarelli, Robert Thews and Thomas Trainor. (Takeshi Kodama.)
Wit Busza of MIT presented a general introduction course to the physics of heavy-ion collisions. His lectures were complemented by several brilliant tutorials on the foundations of this interdisciplinary field. These were given by Guido Altarelli of CERN on QCD, Takeshi Kodama of Rio de Janeiro on relativistic gases, Berndt Muller of Duke University on the properties of quark matter, Johann Rafelski of Arizona on hadrochemistry, and Columbia's Bill Zajc on the correlation observables such as Hanbury-Brown and Twiss (HBT) intensity interferometry.
The experimental programmes were thoroughly covered in several courses. John Harris of Yale and Bill Zajc gave a survey of the RHIC physics programme and surveyed the latest results from the Brookhaven collider's STAR and PHENIX experiments. Christof Roland of MIT presented the latest work of another RHIC experiment, PHOBOS. CERN's SPS experimental programme was reported by Federico Antinori of Padova, while Karel Safarik of CERN took the students into the instrumental realm of particle tracking in a detailed and fascinating lecture. In his presentation, Seattle's Tom Trainor clearly showed the complexity of some experimental results.
The study of vacuum structure, confinement, lattice gauge theories and quantum transport was addressed by Dima Kharzeev of Brookhaven, Adriano Di Giacomo of Pisa, Frithjof Karsch of Bielefeld, and Hans-Thomas Elze of Rio de Janeiro. Bira van Kolck of Arizona and Brookhaven introduced the power of effective theories in the study of strong interactions, while Jörg Aichelin of Nantes showed how this method can be used in the study of phase transition dynamics.
These hard-core theoretical topics were accompanied by more gentle phenomenological courses by Bob Thews of Arizona on charm, Klaus Werner of Nantes on event generators, and Laszlo Csernai of Bergen on hydrodynamics and flow. Frankfurt's Horst Stöckers' survey of QGP signals relied on exotica such as stable black hole formation in heavy-ion collisions, quite in contrast to the more traditional discussion of strangeness and entropy evidence for the formation of deconfined states, offered by Arizona's Johann Rafelski.
Among more than 15 seminars and lectures reporting the latest progress were many notable theoretical and experimental contributions. Frederique Grassi of Sao Paulo introduced open issues in particle emission, US PASI student Paul Sorensen from UCLA surveyed azimuthal anisotropy in strange particle production, and Latin American PASI student Javier Castillo discussed multistrange particle production at RHIC.
Constantino Tsallis of Rio de Janeiro gave the institute's final lecture on non-extensive statistics and its applications, leading to a discussion which carried on well into dinner. Rainy weather hampered the programme of excursions to the local countryside, but ensured that the lecture rooms were always full of enthusiastic students, which was both stimulating for the lecturers and very promising for the future of the field.
http://www.physics.arizona.edu/~pasi/.
http://omnis.if.ufrj.br/~pasi/.
H T Elze, E Ferreira, T Kodama, J Rafelski and R L Thews (eds) (in press) New States of Matter in Hadronic Interactions (AIP New York, October 2002). http://proceedings.aip.org/proceedings/confproceed/631.jsp.
Johann Rafelski, University of Arizona for the directors of the PASI on new states of matter in hadronic interactions.
Quarks and Kiwis interact in New Zealand
High-energy conference highlights precision results
more from Cern Courier
Read article 'A decade in LHC publications'
A decade in LHC publications
Read article 'HL-LHC magnets enter production in the US'
HL-LHC magnets enter production in the US
Read article 'Surface treatment: secrets of success in vacuum science'
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Higgs and electroweak | Conference 9th Large Hadron Collider Physics Conference (LHCP2021)	7—12 June 2021 | Paris, France, France

redpajama_set_name: RedPajamaCommonCrawl


text:
Q: MacPorts linker (ld) not found I'm trying to compile cgminer on Mac, and the compilation cannot complete, citing "ld: library not found for -lrt"
Exact terminal output:
  CCLD     cgminer
ld: library not found for -lrt
collect2: ld returned 1 exit status
make[1]: *** [cgminer] Error 1
make: *** [install-recursive] Error 1

Any solution for how to install the linker library via command line?

redpajama_set_name: RedPajamaStackExchange


The Lady Bulldogs outscored visiting North Decatur 12-4 in the third quarter and went on to post a 28-20 victory.
Batesville was led in scoring by Kendall Dickman with nine points, while Catherine Raab dished out a team-high seven assists. Abby Westerfeld and Macy Prickel each added six points.


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Drinking With Joyce DiDonato
A talk with the mezzo-soprano, in town to star in Lyric's La Clemenza di Tito.
By Graham Meyer
March 6, 2014, 10:35 am
Joyce DiDonato Graham Meyer
Shunted discreetly behind a pillar in the Opera Club downstairs from the main lobby at the Civic Opera House, the mezzo-soprano Joyce DiDonato and I chat, out of sight of selfie-seeking groupies. She's in town rehearsing for La Clemenza di Tito, the Mozart opera that began its run March 5th. We're cramming our drink into the first intermission of opening night of Rusalka, which DiDonato is attending on her night off.
I ask her what she thought of the New Yorker article about her from October, for which the writer, Alex Ross, followed her around for six months. "I thought it was a little too short," she says of the 7,000-plus-word profile, with a tone layering sincerity inside irony inside sincerity, like a Scotch egg of seriousness. Crap, if that was too short, what am I going to do with my 27 minutes and a few hundred words? (Once you shave off walking to the Opera Club, operagoers accosting DiDonato, and budgeting time to get back to our seats before the doors close, my recorder clocks in about 15 minutes of conversation.)
I'm drinking Cabernet I pre-ordered from the bar before Act I, hoping to streamline what I thought would be a tightly choreographed intermission. DiDonato asks for water. (Last night, she was at a private party.) "Many Manhattans were poured, served, and taken," she says. "Today, I'm having water." I say that the alcoholic connotation of the title of this post will be misleading. She suggests we retitle it "Hydrating with Joyce DiDonato."
Opera singers, especially those of DiDonato's magnitude, can be hard to book, even for a drink, because their schedules fill up ridiculously far in advance. When I tried to land a phone interview with DiDonato a month ago, she wasn't just unavailable—she was unreachable, on a carefully blocked-out vacation period. "I was totally off the grid," she says. "I was in Africa, on safari, in Kenya and Tanzania. The last two days I went to Rwanda and hiked with gorillas, the mountain gorillas that Dian Fossey [studied]." A publicist brings DiDonato a plastic cup of water from the bar. "It was beyond extraordinary." We toast.
She plans the vacation gaps in her schedule and reserves some spontaneity for choosing the destination. She'd considered India for a yoga trip this time, and in August, she has spare time in South America. "The seed is planted for . . . what, exactly, I don't know," she says.
We realize the five-minute warning chimes came and went several minutes ago. Ascending the stairs to return to our seats, hearing the one-minute chimes, she rattles off Chicago-centric DiDonato trivia, in questions she asks herself. Favorite pizza: Pizano's thin crust (she's not a deep-dish lover). Favorite new restaurant: Tanta. Favorite yoga studio: Yoga Now. The publicists whisk her away from me, saying they're going to sneak through some side entrance to prevent more crazed-fan attention. I walk down the aisle the noncelebrity way and see the cluster of them scurry in after the lights go down, sitting during the applause, four rows ahead of me. Only now do I realize I've forgotten to take a picture.
Luckily for me, Rusalka has two intermissions. I salmon up the aisle to ask for the picture during the second one. DiDonato welcomes me and continues to chat, even offering some off-the-record comments, just for pleasant conversation's sake. She gamely poses with the balconies as backdrop. I also get a selfie.
Tags: Arts & Culture, Music


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Pisma (orosz nyelven: Пышма) városi jellegű település Oroszország európai részén, a Szverdlovszki területen. A Pismai járás székhelye.

Lakossága:  fő (a 2010. évi népszámláláskor).

Elhelyezkedése
A Szverdlovszki terület déli részén, a Pisma és mellékfolyója, a Jurmacs partján, Jekatyerinburg területi székhelytől kb. 180 km-re keletre helyezkedik el. Vasútállomás (Oscsepkovo) a Transzszibériai vasútvonal Jekatyerinburg–Tyumeny közötti szakaszán. A település északi szélén vezet az R351-es főút (oroszul: ).

Története
Az első orosz telepesek a 17. század elején jelentek meg a Pisma mellékének manysik és hantik lakta, részben már baskírok által is lakott földjein. A hagyomány szerint 1646-ban telepedtek le itt az északnyugati Velikij Usztyug városból érkezett óhitűek, az orosz Oscsepkov-testvérek. Róluk, illetve a folyóról nevezték el a helységet, ahol 1655-ben cölöperődöt építettek, melyet szibériai tatárok 1662-ben feldúltak és felégettek. A falut 1723-ban a jekatyerinburgi vaskohászati üzemnek rendelték alá, parasztjait ottani munkára kötelezték. A Moszkvából Szibériába vezető, 1763-ban megnyitott kocsiút és postai útvonal (Szibirszkij trakt) Pismát is érintette, lakóira hárult az útszakasz fenntartása és kiszolgálása. A falu templomának alapjait 1808-ban rakták le; alsó szintjét 1820-ban, felső szintjét 1842-ben szentelték fel. A Jekatyerinburg–Tyumeny vasútvonal megépítésével (1883–1885) új szakasz kezdődött a vidék és a falu életében, fokozatosan kapcsolatba került az ipar és a kereskedelem központjaival. Pisma 1924-ben lett járási székhely, 1943-ban városi jellegű település címet kapott.

Jegyzetek

Források
Станция Ощепково (putdor.ru, hozzáférés: 2021-06-10)
Пышма (Свердловская область. Иллюстрированная краеведческая энциклопедия. Archívból hozzáférés:2021-06-12)

A Szverdlovszki terület települései

redpajama_set_name: RedPajamaWikipedia


Why Do I Need A Patio Square Table Cover?
Protect your square patio table from rain, snow, wind, dirt, bird droppings, pollen and more with our weatherproof, UV-resistant and stain-resistant square table covers. Available in sizes including 34", 46", 58" square, these table covers are built to last. Thoughtful design includes straps and buckles, air vents and built-in handles. Colors include tan, black ivory and a black and tan weave.


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Kuala Lumpur (see map) Meeting Room, Studio, Training Room, Unique Venue
Starts at RM600
Average response time: 6 hours
Cloud 16 is a no-fuss event space up on level 16 of 3 Towers in the KL city centre. The corner studio unit has surround floor to ceiling glass windows offering a panoramic view of the Ampang skyline. It has a clean and simple ambience dressed in white and blond wood with Nordic aesthetics. With 1500 square feet of space, there's enough room to host up to 100 people. The open space of the studio is bathed in natural light and equipped with a projector, screen, and speakers, suited for talks and presentations. Trainings and workshops are possible as it is also equipped with tables, compact chairs and power plugs. Talks can cater up to 100 pax comfortably, while trainings and workshops, 30 pax. There's a small pantry for making coffee and tea, and a private rest room. Parking for guests is available at basement levels (free of charge for now as it is a newly opened building) and there's a pick-up and drop-off lobby. The building has 24-hour security and access. Cloud 16 Meeting Room is most accessible by car, due to its central location in Jalan Ampang (just after Gleneagles Hospital). By train, it is an 18-minute walk from Jelatek LRT.


Thank you for taking the time to visit our school website. St Wilfrid's is a Voluntary Aided Catholic Primary School which caters for children from 3 to 11 years.
The school exists to serve the children and families of St Wilfrid's Parish, but also welcomes children of other faiths who would enjoy learning within our caring Christian community.
Our aspiration is to ensure the academic, physical, emotional and spiritual development of all our pupils. We hope that they leave St Wilfrid's as fully rounded human beings, who view themselves as valued members of society and the Church.
St Wilfrid's has experienced much change during recent years but through our strong ethos, and with the support of our wonderful community, we are building the foundations for a very bright future - one in which children of all abilities and backgrounds achieve their potential and enjoy doing so.
This website offers an insight into our school – a glimpse of our values, curriculum, events and community. If you would like to know more then you are encouraged to contact the school office and arrange a visit to see us at work. You will be warmly welcomed.
"St Wilfrid's is the Catholic Parish Church for Ripon and its surrounding villages. Our vision is to be a welcoming community, where people can grow to know and love Our Lord Jesus Christ, and put his love into practice in the service of others."
Our mission, in partnership with the Home and Parish, is to provide a distinctive Catholic education with Christ at the centre of our community.
We celebrate the unique value of individuals and nurture every person to be the very best that they can be.
St Wilfrid's Primary School was founded by the Catholic Church in 1863 alongside the newly opened St Wilfrid's Catholic Church and it remains part of the parish. The school is to be conducted as a Catholic school in accordance with Canon Law and the teachings of the Catholic Church, and in accordance with the Trust Deeds of the Diocese of Leeds and in particular.
Worship is to be in accordance with the rites, practices, discipline and liturgical norms of the Catholic Church.
At all times, the school is to serve as a witness to the Catholic faith in Our Lord Jesus Christ.
We wish to ensure the spiritual and academic development of all our pupils, alongside emotional and physical well-being. We hope that they leave St Wilfrid's as fully rounded human beings, who view themselves as valued members of society and the Church.
Follow the example of Christ and in doing so treat all our children, families and staff with dignity and respect.
Support our children on their faith journey; a journey that begins with a respect for all humans, and which recognises the importance of truth, justice and peace.
Provide a high quality education, which will help children to achieve their full potential in all areas of the curriculum.
Support the emotional well-being of all our children through the development of confidence, resilience and self-esteem.
Encourage physical well-being through the promotion of a healthy and active lifestyle.
At St Wilfrid's we have these core values: Thoughtfulness, Honesty, Patience, Friendship, Courage, Fairness and Responsibility.
Should you require a translation of any part of this website, please contact the school office by telephone on 01765 603232 so that this can be arranged.
If required - a paper copy of this website can be provided free of charge to parents of children who attend this school. Please contact the school office.


text:
Kevin Francis Garvey (Principal)
OS/2009018183501/November 2011
Garvey, as the supervisor of his member firm's securities lending desk, permitted a non-registered individual associated with a non-registered finder firm to act in a capacity that required the non-registered individual and/or his firm to be registered as a broker dealer and caused his firm to pay the non-registered individual transaction-based compensation through the non-registered finder firm.
Garvey regularly caused his firm to permit an unregistered natural person to negotiate, solicit and enter into stock borrow and loan transactions, which are duties customarily performed by a registered securities lending representative. Garvey performed the duties of a securities lending supervisor without being properly registered. Garvey consented and/or caused the continuation of the practice of paying finders on transactions with certain counterparties in which the finder had provided no service, and permitted individual traders to subjectively determine the cut-in transactions on which a finder was to be paid and the amount of the finder's compensation on those transactions even though the finder had not provided service on the transactions.
Garvey caused his firm to create and preserve inaccurate books and records on the stock loan activity on the securities lending desk, in that the firm's automated records of the cut-in transactions were inaccurate, in that they reflected that certain finders had participated in stock loan transactions when, in fact, they had not performed any function. In addition, these false entries were transferred to its accounting records, which inaccurately indicated that payments were made to finders on the basis of services rendered when, in fact, no services had been rendered to justify the payments on the transactions indicated.
Kevin Francis Garvey (Principal): Fined $35,000; Suspended 30 days.
Tags: Finder Fees Unregistered RRs Unregistered Supervisor | In: Cases of Note : FINRA
Monex Securities, Inc.
AWC/2008014078801/June 2011
The Firm failed to properly supervise and properly register its foreign finders; and it had no written procedures concerning its use of foreign finders.
The Firm terminated the registrations of all its foreign associates and made them foreign finders; thereafter, the firm employed foreign finders and no foreign associates. Many of the firm's foreign finders were previously registered foreign associates at the firm who worked on the premises of the firm's affiliated broker-dealer. As registered sales representatives and foreign associates for the firm, they acted as general securities representatives engaging in securities activities for non-U.S. residents, citizens or nationals.
Whenthe firm's foreign associates' registrations were terminated with FINRA and re-affiliated as foreign finders, their job functions were supposed to be limited to those of a foreign finder. As such, the firm's foreign finders' sole involvement with the firm should have been the initial referral of non-U.S. customers; however,all of the firm's foreign finders serviced customer accounts, processed new account documents and letters of authorization (LOAs) for customers containing confidential client information and serviced customer accounts -- these activities went well beyond the initial referral of non-U.S. customers to the firm.
Also, given the expanded roles of the firm's foreign finders, they should have been registered as foreign associates; however, the firm failed to register any of its foreign finders as foreign associates.
A concerned customer visited the firm's affiliate's branch office and explained that a foreign finder of the firm had provided him with an account statement that differed from the statement he recently received from the firm's clearing firm. In response,the Firm immediately instituted an internal investigation into all accounts the foreign finder had introduced to the firm. The firm discovered that unauthorized statements had been provided to customers by its rogue foreign finder. Those unauthorized statements inflated market values and net worth. Further, the rogue foreign finder altered correspondence that he forwarded to customers by making the documents incorrectly appear as if the firm had authorized them.
The firm contacted and interviewed every customer the rogue foreign finder introduced to the firm, which revealed that some of the customers had received false statements; and that the false statements inflated customers' account values by over $2 million U.S. dollars. The investigation led to the rogue foreign finder's termination, foreign finders being discontinued, written supervisory procedures being added, the firm's supervisory system being enhanced and substantial compensation paid to affected customers. The Firm claimed that it inspected the offices of its foreign finders, including the rogue foreign finder, to ensure that they were properly supervised, but failed to document or memorialize the office inspections and other supervisory activities in any way.
Monex Securities, Inc. : Censured; Fined $25,000
Tags: Finder Fees Unregistered RRs | In: Cases of Note : FINRA
Bill Singer's Comment
Although the facts are certainly startling, this foreign finders scenario is not that uncommon -- and, worse, the fraud is far from unheard of. A word to the wise!


text:
Міжнародна премія імені Карла Великого ( ) — престижна європейська премія за внесок в об'єднання Європи. Присуджується щороку з 1950 року німецьким містом Аахен особам, які зробили великий внесок до реалізації ідеалів, під якими започатковано премію. Названа на честь Карла Великого, засновника Франкської імперії та фактичного засновника Священної Римської імперії, який керував державою з Аахена. Традиційно вручається у свято Вознесіння на церемонії в Коронаційній залі ратуші Аахена.

Лауреати Премії Карла Великого нагороджуються спеціальною грамотою, медаллю та символічною нагородою у 5 тисяч євро. На аверсі пам'ятної медалі зображені сам імператор і старовинна печатка Аахена XII століття, на реверсі гравірується заслуга конкретного лауреата перед європейськими народами. З 2008 року премія вперше присуджується у двох категоріях: не тільки заслуженим політикам, видатним громадським і державним діячам, але й молодим людям у віці від 16 до 30 років. Лауреатів визначає спеціальний конкурс молодіжних проєктів, що проводиться преміальним фондом спільно з Європейським парламентом.

У 2002 році премією нагороджено валюту євро.

Лауреати премії

 1950 —  Ріхард Ніколас Куденгофе-Калерґі
 1951 —  Хендрік Бругманс
 1952 —  Альчіде де Гаспері
 1953 —  Жан Моне
 1954 —  Конрад Аденауер
 1956 —  Вінстон Черчилль
 1957 —  Поль-Анрі Спаак
 1958 —  Робер Шуман
 1959 —  Джордж Маршалл
 1960 —  Жозеф Беш
 1961 —  Вальтер Гальштайн
 1963 —  Едвард Гіт
 1964 —  Антоніо Сеньї
 1966 —  Єнс Отто Краг
 1967 —  Йозеф Лунс
 1969 —  Європейська комісія
 1970 —  Франсуа Сейду Форньє де Клозон
 1972 —  Рой Дженкінс
 1973 —  Сальвадор де Мадаріага
 1976 —  Лео Тіндеманс
 1977 —  Вальтер Шеєль
 1978 —  Константінос Караманліс
 1979 —  Еміліо Коломбо
 1981 —  Сімона Вейль
 1982 —  Хуан Карлос I
 1984 —  Карл Карстенс
 1986 —  Народ Люксембургу
 1987 —  Генрі Кіссинджер
 1988 —  Франсуа Міттеран і  Гельмут Коль
 1989 —  Брат Роже (громада Тезе)
 1990 —  Дьюла Горн
 1991 —  Вацлав Гавел
 1992 —  Жак Делор
 1993 —  Феліпе Гонсалес
 1994 —  Ґру Гарлем Брунтланн
 1995 —  Франц Враніцкі
 1996 —  Беатрікс
 1997 —  Роман Герцог
 1998 —  Броніслав Геремек
 1999 —  Тоні Блер
 2000 —  Білл Клінтон
 2001 —  Дьордь Конрад
 2002 —  Євро
 2003 —  Валері Жискар д'Естен
 2004 —  Пет Кокс
 2004 — Надзвичайна премія: / Іван Павло II
 2005 —  Карло Адзеліо Чампі
 2006 —  Жан-Клод Юнкер
 2007 —  Хав'єр Солана
 2008 —  Ангела Меркель
 2009 —  Андреа Ріккарді
 2010 —  Дональд Туск
 2011 —  Жан-Клод Тріше
 2012 —  Вольфганг Шойбле
 2013 —  Даля Грибаускайте
 2014 —  Герман ван Ромпей
 2015 —  Мартін Шульц
 2016 — / Франциск
 2017 —  Тімоті Ґартон Еш
 2018 —  Емманюель Макрон
 2019 —  Антоніу Гутерреш
 2020 —  Клаус Йоганніс
 2022 —  Світлана Тихановська, Марія Колесникова, Вероніка Цепкало
 2023 —  Володимир Зеленський та український народ.

Примітки

Посилання

Міжнародна премія імені Карла Великого
Карл I Великий


text:
A Spreča folyó Bosznia-Hercegovina középső részén, a Boszna jobb oldali mellékfolyója.
Husino helységnél ered, Tuzlától 10 km-re délnyugatra.
Hossza 137,5 km, és Dobojnál torkollik a Boszna folyóba.

A Spreča mentén fekszik Gračanica városka.

Bosznia-Hercegovina folyói


text:
Category: Clover Health
Birth control delivery startup Nurx approaches $300M valuation – gpgmail
August 15, 2019 administrator birth control, chief executive officer, Clover Health, hiv, HPV, Kleiner Perkins, Lowercase Capital, nebraska, New-York-Times, Nurx, San Francisco, Startups, TC, Union Square Ventures, United States, Varsha Rao, Venture Capital, Washington D.C., Y Combinator
Nurx, citing 200,000 current patients and a monthly growth rate as high as 20%, has raised $32 million in Series C equity funding in a round co-led by existing investors Kleiner Perkins and Union Square Ventures. The company has also secured $20 million in debt, bringing total new capital to $52 million.
The San Francisco-based digital health startup, which seeks to make birth control more accessible and affordable by shipping it direct to consumer, has raised more than $90 million in debt and equity funding to date, with the latest infusion bringing its valuation to nearly $300 million, according to stock authorization filings uncovered by PitchBook. Nurx declined to comment on its valuation.
The goal, Nurx chief executive officer Varsha Rao explains, is to become a telehealth platform focused on all sensitive health needs.
"We see there is a need to help people that may have issues that often carry stigma and judgment by providing a streamlined platform," Rao tells gpgmail. "What the company is doing in terms of providing more accessibility form a physical and economic perspective to critical health services is very inspiring for me."
The fresh bout of funding comes four months after a scathing New York Times report highlighted irresponsible practices at the company, including reshipping returned medications and attempting to revise medical policy on birth control for women over the age of 35.
Nurx's Rao, who joined from Clover Health just one week before the article was published, says she feels good about how the company has scaled: "I want to make it clear, patient safety was never at risk even then; having said that, we are super committed to always investing in compliance and patient safety and all of the things that are important."
The business plans to use the funding to double its engineering team and launch additional "sensitive" healthcare services of which Rao declined to further outline. In addition to shipping birth control D2C, including the pill, shot, ring and patch, Nurx provides emergency contraception, STI and HPV testing and screening kits, and PrEP medication, the once-daily pill that reduces the risk of getting HIV.
The company added STI testing kits to its line up last month and has since performed tests for 1,000 patients, Nurx says.
Nurx's service is currently live in 26 states and Washington, D.C. The company plans to be accessible to 90% of the U.S. population by the end of the year, with additional launches, including the state of Nebraska, expected this month.
A graduate of Y Combinator, Nurx investors also include Reproductive Health Investors Alliance, Dreamers VC, Lowercase Capital and debt & equity provider Triple Point Capital.
Leave a comment 300M, approaches, Birth, control, delivery, gpgmail, Nurx, startup, valuation
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1962: Fadia Ibrahim was born.
1990: Ibrahim immigrated from Beirut, Lebanon to Canada.
2009 : The Virgin Mary first visited Fadia Ibrahim during Mass, by inscribing the letter M on her leg in blood.
2010: In response to now numerous messages from Mary to Ibrahim, a Catholic group in Detroit, Michigan delivered a statue of the Virgin to her.
2010 (March): Ibrahim began to notice the statue weeping tears of oil.
2010 (May/June): Mary told Ibrahim to place the statue outside her home.
2010 (October): The City of Windsor Ontario received the first complaint about the presence of the statue.
2010 (early November): Media in the U.S. reported on the statute, leading to an increase in visitors.
2010 (November 5): After opposition to the display of the statue outside of Ibrahim home, the statue was moved to St. Charbel Maronite Catholic Church.
There is little known about Fadia Ibrahim's life before her experiences with the Virgin Mary. It is known that she was born in 1962 in Lebanon and migrated to Canada around 1990 (Yonke 2010). She resided in East Windsor in Ontario at the time her messages from the Virgin Mary began (Willick 2010). Ibrahim attended the St. Ignatius of Antioch Church, an Orthodox Christian church.
Ibrahim's first encountered with the Virgin Mary occurred during a Catholic Mass. A bloody M appeared on Ibrahim's leg, placed there, Ibrahim reports, by the Virgin Mary (Wilhem 2010). Mary continued to visit Ibrahim through messages and additional markings on her body. Ibrahim describes Mary in the following way: "She's pretty. She keeps smiling. She covers her head. … She's 49, 50 years [old]. … She's like, I don't know how to say, she's different. She's different" (Yonke 2010). Once word of her messages from Mary began to spread, a family of Chaldean Catholics from Detroit presented a boxed four-foot statue of the Virgin Mary to Ibrahim (Yonke 2010). It is believed that the statue originally came from the Los Angeles area (Morgan 2010).
After receiving the statue, Ibrahim stored it inside her home. It was on Canada Day (July 1), she reports, that her daughter discovered that it was dispensing oil. It was a request from Mary that led her to then build an enclosed pedestal on her front lawn to display the statue. Visitors began to appear immediately, and some brought flowers. According to Ibrahim, Mary was pleased. She states that the statue was smiling and secreting oil. Shortly after the statue was placed outside the home, Ibrahim began to report oil secreting from her own hands. Ibrahim stated the oil came from the statue and was of the Virgin Mary (Yonke 2010). Daily attendance at the statue rose to as many as 1,000 visitors per day (Willick 2010).
Many visitors to the statue at Ibrahim's residence believed that the tears from the statue were a sign from God and an indication of the world reaching dark times. Visitors felt that Mary wept out of heartbreak as the world destroyed itself through injustices such as crime and war. Pam Martin, a visitor of the statue, believed the statue indicated such a message: "I watch the news and I can't help but be saddened by what I see…[Mary's] weeping for us because we're killing this world" (Jette 2010). Ironically perhaps, Windsor was known as "sin city" to Americans (Wilhelm 2010). Thus, at least some locals believed that the statue brought much needed attention, prayer, and hope to the area. In this way, the statue was appreciated as a miracle. "I think it's a miracle from God," Ms. Ibrahim told The Blade. "She wants people to pray, go back to the church. She like people to believe on her Son, and she want people to help each other as before" (Willick 2010; Yonke 2010).
In addition to believing the statue itself is a miracle and a message, visitors believed that the oil from the statue possessed healing powers. When Ibrahim started to report oil miraculously appearing on her hand, visitors began to seek out her personal blessing. There are reports of visitors receiving healing and answers to the prayers from worshiping the statue and being blessed by Ibrahim (Wilhelm 2010).
Large groups of believers, predominantly of the Catholic faith, visited the site to be in communion with the miracle statue of the Virgin Mary. Although in place for a very short time, the statue in Windsor became a pilgrimage site for believers in Marian apparitions. Visitors reported being overcome with emotion upon simply looking at the statue. Worshipers also repeated prayers, such as the Hail Mary, and held religious items such as rosaries and Bibles while worshiping. Even after the statue had been placed in the St. Charbel Maronite Catholic Church, believers attested to the statue's secreting of tears: "I swear to God, honestly — we're in church right now — by the fourth decat you could see it, it was just so clear," Ms. Rizk said. "The tear formed on the top of the eye and dripped down and stopped at the bottom of the eye. It was a statue one second and then it became a miracle, right in front of my eyes" (Yonke 2010).
The most important ritual believers engaged in was collecting the Virgin's oily tears. They believed the oil to be sacred whether through direct contact with the statue itself, with the hand of Ibrahim, or with the hands of those who did touch the statue. Ibrahim only allowed a handful of visitors actually touch the statue. These lucky few would place their hands on the heads of other visitors and bless them. Visitors brought with them ziploc bags, cotton balls, and makeup remover to collect the Virgin's tears of oil and bring them home (Wilhelm 2010). Sometimes Ibrahim would use her hands to make a cross with the on the forehead of visitors. One woman described the experience as overwhelming: "When she touched me, I just felt overwhelmed and everything seemed to come out," said Rosanne Paquette. "I felt this warmth, and it was unbelievable." Another woman testified that her teenage granddaughter was cured of leukemia after Ibrahim anointed her with the oil: "She just put the oil on her, prayed for her…. The doctor said her blood, everything was normal" (Willick 2010).
Fadia Ibrahim and her statue of the Virgin Mary encountered opposition from two sources: neighborhood residents and municipal officials and officials of the Roman Catholic Church.
Once Ibrahim had moved the statue of Mary from inside her house to the front lawn, the statue quickly came under fire. Neighbors disliked the large increased traffic and noise in the neighborhood, which only increased when the U.S. began to report about it (Caldwell 2010). Neighbors quickly complained to the city and organized a petition against the statue that was delivered to municipal officials. Due to the lack of a building permit and to building code violations, the city gave Ibrahim until November 19 to remove the statue. Ibrahim quickly objected to the city's notice and collected hundreds of donations and signatures for a petition to save the statue before finally acceding to the city's demands. Ironically, a city solicitor at the time, George Wilkki, spoke to the media telling them there was an easy solution to the city's issues with the statue. Ibrahim simply needed to apply for a minor variance and a building permit. Then, the statue could remain at its location in her front yard (Wilhelm 2010).
At the same time, Catholic Church officials had begun to investigate the validity of Ibrahim's statue and its miraculous tears of oil. Church officials dissuaded people from visiting the shrine but never officially denounced the statue. Father John Ayoub of the Diocese of the Windsor Orthodox Church, St. Ignatius of Anitoch Church was more measured in his response (Laycock 2014: 192). He stated that he did not find the statue to be a miracle of God. However, he continued to accept Ibrahim as a member of his parish and allowed others to believe in her message if they so desired. Ibrahim, on the other hand, reportedly felt disappointed by the lack of support from the Catholic and Orthodox churches.
On November 5, fourteen days before the city's deadline for Ibrahim to move the statue, visitors who arrived at Ibrahim's home found that the statue had been removed. The expressed sadness and curiosity. The only explanation for the removal of the statues was contained in two notes left outside the home. The note on the outside of the statues casing simply asked visitors to leave the family and home alone. The other note, located on the front door of the home read, "The statue has been relocated and this structure will be taken down shortly. Please stay off this private property. Visit your church, please." Members of the Ibrahim initially denied knowledge of the statue's location when visitors made further inquiry (Vijay 2010).
Ibrahim did subsequently offer an explanation. She stated that she had received a message from Mary asking her to take the statue of the weeping Virgin to the church. Ibrahim insisted that Mary did not want believers coming to Ibrahim's house to pray, thereby treating it as Mary's home. Mary, Ibrahim asserted, had only wanted her to attract public attention and then direct believers back to the church. Ibrahim denied any relation between the city's demand for her to move the statue, or the strain the statue had created on her neighborhood and family, and her decision to give the statue to the church Her final statement was that Mary had given "a message…to pray you have to pray in church" (Vijay 2010).
Caldwell, Simon. 2010. "'Weeping' Virgin Transferred to Canadian Church." The Catholic Herald. Accessed from http://www.catholicherald.co.uk/news/2010/11/12/%E2%80%98weeping%E2%80%99-virgin-transferred-to-canadian-church/ on 4 November 2014.
CBC News. 2010. "Front-yard Virgin Mary to Come Down." Accessed from http://www.cbc.ca/news/canada/windsor/front-yard-virgin-mary-to-come-down-1.939349 on 4 November 2014.
Jette, Martha. 2010a. "Miracles: Do They Still Happen Today?" (Part 1 of 2). Accessed from http://www.examiner.com/article/miracles-do-they-still-happen-today-part-1-of-2 on 16 November 2014.
Jette, Martha. 2010b. "Is Madonna 'Weeping for the World?'" (Part 2 of 2). Accessed from http://www.examiner.com/article/is-madonna-weeping-for-the-world-part-2-of-2 on 16 November 2014.
Kristy, Dylan. 2010. "Visitors Welcome at New Home of 'Weeping' Madonna." The Windsor Star , November 8. Accessed from http://www2.canada.com/windsorstar/news/story.html?id=5c83fa0e-e79b-4671-85a5-6892beb84368 on 24 November 2014.
Laycock, Joseph. 2014. The Seer of Bayside: Veronica Lueken and the Struggle to Define Catholicism. New York: Oxford University Press.
Laycock, Joseph. 2011. "Controversial Mary Statue Weeps because 'We're Killing This World.'" Religion Dispatches. Accessed on Nov 16, 2014 from http://religiondispatches.org/controversial-mary-statue-weeps-because-were-killing-this-world/ .
Lewis, Charles. 2010. "Weeping Madonna: Separating miracles from wishful thinking." National Post , November 5. Accessed from http://life.nationalpost.com/2010/11/05/weeping-madonna-separating-miracles-from-wishful-thinking/ on 4 November 2014.
Morgan, Dale. 2010. "Canada: Hundreds of Superstitious Virgin Mary Worshipers Flock to Windsor Home to See Virgin Mary Statue." Accessed from https://groups.google.com/forum/#!search/Fadia$20Ibrahim$20Canada$3A$20Hundreds$20of$20superstitious$20Virgin$20Mary$20Worshipers$20flock$20to$20…/bible-prophecy-news/BEPkyKdPj4E/ywF8T3qvcQcJ on 4 November 2014.
Paterson, Andrea. 2010. "A World Without Miracles." Accessed from http://lifeasahuman.com/2010/mind-spirit/spirituality-and-religion/a-world-without-miracles/ on 4 November 2014.
The Canadian Press. 2010. "Homeowners Must Remove Structure Housing Virgin Mary." Accessed from http://www.ctvnews.ca/homeowners-must-remove-structure-housing-virgin-mary-1.569727 on 4 November 2014.
Vijay. 2010. "Windsor's Mysterious 'Weeping' Madonna Has a New Home." Accessed from http://www.churchnewssite.com/portal/?p=35173 on 4 November 2014.
Wilhelm, Trevor. 2010. "Hundreds F lock to Windsor to S ee W eeping Virgin Mary S tatue." Postmedia News. Accessed from http://www.jesusmariasite.org/Signs/Signs_.asp?editid1=5 on 16 Nov ember 2014 .
Willick, Frances. 2010. "Crowds Flock to See Mary's 'Tears'." The Windsor Star , November 2. Accessed from http://www2.canada.com/windsorstar/news/story.html?id=0c689192-80db-447f-a128-b6c1f370f8d1 on 23 November 2014.
"Windsor Ontario's W eeping Madonna." Accessed from http://www.visionsofjesuschrist.com/weeping556.html on 16 November 2014.
http://www.toledoblade.com/local/2010/11/21/Faithful-flock-to-see-statue-of-Mary-reported-to-weep-at-night.html on 21 November 2010.


text:
Cart / R80.00 1
Home / Xbox Games / Xbox One / The Walking Dead: The Complete First Season (Xbox One) (New)
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The Walking Dead: The Complete First Season (Xbox One) (New)
Telltale, Inc.
Adventure, Compilation
SKU: 964 Categories: Xbox Games, Xbox One Tag: New
The living will have to survive amongst the dead in this game based on The Walking Dead, the widely acclaimed comic book series and television series. Across five dark and emotional episodes of gameplay, every decision and action you take can result in the entire story of the game changing around you.
Play as Lee Everett, a convicted criminal, who has been given a second chance at life in a world devastated by the undead. With corpses returning to life and survivors stopping at nothing to maintain their own safety, protecting an orphaned girl named Clementine may offer him redemption in a world gone to hell.
F1 2015 (Xbox One)
Fallout 4 (Xbox One)
Dragon Age: Inquisition (Xbox One)


This example illustrates implementation of the Capital Asset Pricing Model (CAPM) in the presence of missing data.
The Capital Asset Pricing Model (CAPM) is a venerable but often-maligned tool to characterize comovements between asset and market prices. Although many issues arise in its implementation and interpretation, one problem that practitioners face is to estimate the coefficients of the CAPM with incomplete stock price data.
for assets i = 1, ... , n, where b(i) is a parameter that specifies the degree of comovement between a given asset and the underlying market. In words, the expected return of each asset is equal to the return on a riskless asset plus a risk-adjusted expected market return net of riskless asset returns. The collection of parameters b(1), ... , b(n) are called asset betas.
which is the ratio of the covariance between asset and market returns divided by the variance of market returns. If an asset has a beta equal to 1, the asset is said to move with the market; if an asset has a beta greater 1, the asset is said to be more volatile than the market; and if an asset has a beta less than 1, the asset is said to be less volatile than the market.
for samples k = 1, ... , m and assets i = 1, ... , n, where a(i) is a parameter that specifies the non-systematic return of an asset, b(i) is the asset beta, and V(k,i) is the residual error for each asset with associated random variable V(i).
The collection of parameters a(1), ... , a(n) are called asset alphas. The strict form of the CAPM specifies that alphas must be zero and that deviations from zero are the result of temporary disequilibria. In practice, however, assets may have non-zero alphas, where much of active investment management is devoted to the search for assets with exploitable non-zero alphas.
To allow for the possibility of non-zero alphas, the estimation model generally seeks to estimate alphas and to perform tests to determine if the alphas are statistically equal to zero.
for assets i,j = 1, ... , n, where the parameters S(1,1), ... , S(n,n) are called residual or non-systematic variances/covariances.
The square root of the residual variance of each asset, i.e., sqrt(S(i,i)) for i = 1, ... , n, is said to be the residual or non-systematic risk of the asset since it characterizes the residual variation in asset prices that cannot be explained by variations in market prices.
Although betas can be estimated for companies with sufficiently long histories of asset returns, it is extremely difficult to estimate betas for recent IPOs. However, if a collection of sufficiently-observable companies exists that can be expected to have some degree of correlation with the new company's stock price movements, for example, companies within the same industry as the new company, then it is possible to obtain imputed estimates for new company betas with the missing-data regression routines in the Financial Toolbox™.
To illustrate how to use the missing-data regression routines, we will estimate betas for twelve technology stocks, where one stock (GOOG) is an IPO.
First, load dates, total returns, and ticker symbols for the twelve stocks from the MAT-file CAPMuniverse.
The assets in the model have the following symbols, where the last two series are proxies for the market and the riskless asset.
The data covers the period from January 1, 2000 to November 7, 2005 with daily total returns. Two stocks in this universe have missing values that are represented by NaNs. One of the two stocks had an IPO during this period and, consequently, has significantly less data than the other stocks.
The first step is to compute separate regressions for each stock, where the stocks with missing data will have estimates that reflect their reduced observability.
The Alpha column contains alpha estimates for each stock that are near zero as expected. In addition, the t-statistics (which are enclosed in parentheses) generally reject the hypothesis that the alphas are non-zero at the 99.5% level of significance.
The Beta column contains beta estimates for each stock that also have t-statistics enclosed in parentheses. For all stocks but GOOG, the hypothesis that the betas are non-zero is accepted at the 99.5% level of significance. It would seem, however, that GOOG does not have enough data to obtain a meaningful estimate for beta since its t-statistic would imply rejection of the hypothesis of a non-zero beta.
The Sigma column contains residual standard deviations, that is, estimates for non-systematic risks. Instead of t-statistics, the associated standard errors for the residual standard deviations are enclosed in parentheses.
To estimate stock betas for all twelve stocks, set up a joint regression model that groups all twelve stocks within a single design (since each stock has the same design matrix, this model is actually an example of seemingly-unrelated regression). The function to estimate model parameters is ecmmvnrmle and the function to estimate standard errors is ecmmvnrstd.
Since GOOG has a significant number of missing values, a direct use of the missing data function ecmmvnrmle takes 482 iterations to converge. This can take a long time to compute. For the sake of brevity, the parameter and covariance estimates after the first 480 iterations are contained in a MAT-file (CAPMgroupparam) and will be used as initial estimates to compute stock betas.
Now estimate the parameters for the collection of twelve stocks.
Although the results for complete-data stocks are the same, notice that the beta estimates for AMZN and GOOG (which are the two stocks with missing values) are different from the estimates derived for each stock separately. Since AMZN has few missing values, the differences in the estimates are small. With GOOG, however, the differences are more pronounced.
The t-statistic for the beta estimate of GOOG is now significant at the 99.5% level of significance. Note, however, that the t-statistics for beta estimates are based on standard errors from the sample Hessian which, in contrast to the Fisher information matrix, accounts for the increased uncertainty in an estimate due to missing values. If the t-statistic is obtained from the more optimistic Fisher information matrix, the t-statistic for GOOG is 8.25. Thus, despite the increase in uncertainty due to missing data, GOOG nonetheless has a statistically-significant estimate for beta.
Finally, note that the beta estimate for GOOG is 0.62 - a value that may require some explanation. Whereas the market has been volatile over this period with sideways price movements, GOOG has steadily appreciated in value. Consequently, it is less correlated than the market, which, in turn, implies that it is less volatile than the market with a beta less than 1.
 R. A. Jarrow, Finance Theory, Prentice-Hall, Inc., 1988.
 J. Lintner, "The Valuation of Risk Assets and the Selection of Risky Investments in Stocks," Review of Economics and Statistics, Vol. 14, 1965, pp. 13-37.
 W. F. Sharpe, "Capital Asset Prices: A Theory of Market Equilibrium under Conditions of Risk," Journal of Finance, Vol. 19, 1964, pp. 425-442.
 W. F. Sharpe, G. J. Alexander, and J. V. Bailey, Investments, 6th ed., Prentice-Hall, Inc., 1999.


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Biden says he's asked intelligence community to "redouble" efforts in examining origins of COVID-19
Održana copywriting radionica u okviru 7. Međunarodnog simpozija
Colonial Pipeline ransomware attack prompts first cybersecurity mandates for nation's pipelines
Washington — President Biden said Wednesday he has ordered the U.S. intelligence community to "redouble" its efforts to investigate the origins of COVID-19 after a new report fueled questions about whether the virus originated in a lab in Wuhan, China.
Mr. Biden said in a statement he is giving the intelligence community 90 days to "collect and analyze information that could bring us closer to a definitive conclusion" about where COVID-19 started and report back to him. As part of the requested report, the president asked for areas of additional inquiry that may be required, including specific questions for China. Mr. Biden said the effort will include work by Department of Energy's National Labs and other government agencies to supplement the intelligence community in its investigation.
Mr. Biden said he received a report from the intelligence community earlier this month exploring whether COVID-19 emerged from human contact with an infected animal or through a laboratory accident, but the agencies are split.
"As of today, the U.S. Intelligence Community has 'coalesced around two likely scenarios' but has not reached a definitive conclusion on this question," the president said. "Here is their current position: 'while two elements in the IC leans toward the former scenario and one leans more toward the latter – each with low or moderate confidence – the majority of elements do not believe there is sufficient information to assess one to be more likely than the other.'"
Mr. Biden lamented that the failure for the Trump administration to get U.S. inspectors on the ground in China in the early months of the pandemic "will always hamper any investigation" into the virus's origins.
"The United States will also keep working with like-minded partners around the world to press China to participate in a full, transparent, evidence-based international investigation and to provide access to all relevant data and evidence," the president said.
Suspicions around the origins of COVID-19 arose again this week after the Wall Street Journal reported three researchers from the Wuhan Institute of Virology in China sought hospital treatment in November 2019 after becoming sick. China reported the first cases of COVID-19 in December 2019.
CBS News learned some government officials privy to classified briefings about the coronavirus pandemic have become more open to the theory the virus originated in a lab, a prospect that was also suggested by Trump administration officials. When asked whether the report cited by the Wall Street Journal was accurate, White House press secretary Jen Psaki said Monday "we have no means of confirming or denying that."
Dr. Anthony Fauci, chief medical adviser to Mr. Biden, told CBS News earlier this week he believes it is "highly likely" the virus occurred naturally in the environment and spread with animal-to-human transmission, but is open to a "good, thorough investigation" into the origins.
The World Health Organization conducted its own examination into the origins of COVID-19, but determined a lab leak is "extremely unlikely." The White House, however, has questioned the process used to reach those findings, and principal deputy press secretary Karine Jean-Pierre stressed Wednesday the Chinese government needs to turn over data and information.
"China wasn't transparent enough," she said Wednesday during the White House press briefing. "We have been saying that for a very long time, that China needed to provide more access to the lab, cooperate more fully with the scientific investigators, and we don't think they've met that standard."
More than 3.4 million people worldwide have died from COVID-19, including more than 591,000 in the U.S.
Weijia Jiang contributed to this report.
Source: https://www.cbsnews.com/news/covid-19-origins-investigation-biden/
Department of International Relations and European Studies: https://www.ibu.edu.ba/department-of-international-relations-and-european-studies/


One of Bank of America's leading re/insurance sector analysts Jay A. Cohen downgraded Bermuda based global insurance and reinsurance group AXIS Capital Holdings Limited from Buy to Neutral in a report published yesterday. The analyst becomes the latest to cite reinsurance pricing pressures as a potential earnings headwind.
It seems that almost all the major Wall Street analyst firms have now weighed in on the reinsurance sector regarding the recent pricing pressures, which have been caused to some degree by the inflows of third-party capital into the ILS and reinsurance convergence space. The strong capitalisation of the reinsurance sector is also a factor which weighs on profitability for some reinsurers.
AXIS Capital is a strong re/insurance firm, very capable of riding out any rate environment changes as it adapts to the new paradigm of alternative and non-traditional reinsurance capacity and solutions becoming more competitive in terms of price and structure. In fact AXIS Capital has hired a capital markets specialist to help it get to grips with new market dynamics. Interestingly, that hire in June was one Ben Rubin, hired as Executive Vice President, Capital Markets at AXIS Capital, who was previously in investment banking at guess who? Bank of America Merrill Lynch.
We wonder when the analyst reports are going to move their focus away from price declines to thoughts on how reinsurers will adapt to the new environment and remain Buy rated. Expect to see more news coming from major reinsurers about how they intend to capitalise on non-traditional reinsurance capacity over the coming months as they seek to reassure investors and partners. We fully expect to see some innovative initiatives coming from the likes of AXIS Capital and in fact the re/insurer has for the first time seen fit to tap the capital markets for catastrophe bond cover with Northshore Re in the last week.


text:
/**
 * @module prefetch/polyfills
 */
/**
 * Copyright 2018 Google Inc.
 *
 * Licensed under the Apache License, Version 2.0 (the "License");
 * you may not use this file except in compliance with the License.
 * You may obtain a copy of the License at
 *
 *     http://www.apache.org/licenses/LICENSE-2.0
 *
 * Unless required by applicable law or agreed to in writing, software
 * distributed under the License is distributed on an "AS IS" BASIS,
 * WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
 * See the License for the specific language governing permissions and
 * limitations under the License.
 */

// [source](https://github.com/GoogleChromeLabs/quicklink/blob/master/src/request-idle-callback.mjs)
// RIC and shim for browsers setTimeout() without it
export const requestIdleCallback =
  // @ts-ignore
  window.requestIdleCallback ||
  function ric(cb: any) {
    const start = Date.now();

    return setTimeout(() => {
      cb({
        didTimeout: false,
        timeRemaining: function timeRemaining() {
          return Math.max(0, 50 - (Date.now() - start));
        },
      });
    }, 1);
  };

redpajama_set_name: RedPajamaGithub


text:
Q: Can we use httpbasic and OAuth2 both for an API depending on path variable? In my application I want to provide OAuth2 security only to some specific API calls. My question is can I provide HttpBasic or Oauth2 authentication based on the path variable?
Below are two scenarios I will be considering.
1) Lets say for user(whose name is provided in path variable) xyz, if xyz does not have the feature of OAuth, I want to authenticate it using httpBasic
2) If another user abc has feature of OAuth, I want to authenticate it using Oauth/OpenId connect.
I have a table which assigns features to user, below is the glimpse of the table.
Name , Feature
xyz, HttpBasic
abc, Oauth

A: Okay I did some research on my own and able to find a solution. Here's what I did,
-Created one httpbasic configuration with WebSecurityConfigurerAdapter, now before any interceptor begins it task I have created one request matcher which will check if the authorization header is Basic or Bearer.
      //By default this filter order is 100 and OAuth has filter order 3
      @Order(2)
    public class MicroserviceSecurityConfigurationHttpBasic extends  WebSecurityConfigurerAdapter {
          @Override
          protected void configure(HttpSecurity http) throws Exception {
             http.csrf().disable().exceptionHandling()
            .authenticationEntryPoint(customAccessDeniedHandler())
            .and().headers().frameOptions().disable()
            .and().sessionManagement().sessionCreationPolicy(SessionCreationPolicy.STATELESS)
            .and()
            .requestMatcher(new BasicRequestMatcher())
            .authorizeRequests()
            .antMatchers("/api/**").authenticated()
            .and().httpBasic();

          }
          private class BasicRequestMatcher implements RequestMatcher {
            @Override
            public boolean matches(HttpServletRequest httpRequest) {
             String auth = httpRequest.getHeader("Authorization");
             String requestUri = httpRequest.getRequestURI();
             //Fetching Identifier to provide OAuth Security to only specific urls
             String identifier= requestUri.substring(requestUri.lastIndexOf("/") + 1, requestUri.length());

            //Lets say for identifier ABC only, I want to secure it using OAuth2.0
           if (auth != null && auth.startsWith("Basic") && identifier.equalsIgnoreCase("ABC")) {
             auth=null;
              }
           //For ABC identifier this method will return null so then the authentication will be redirected to OAuth2.0 config.
           return (auth != null && auth.startsWith("Basic"));
            }
        }
  }

-After this I have created OAuth2.0 configuration with ResourceServerConfigurerAdapter, here is the glimpse of it.
    //Default filter order=3 so this will be executed after WebSecurityConfigurerAdapter
    public class MicroserviceSecurityConfiguration extends ResourceServerConfigurerAdapter {
       ...
      //Here I am intercepting the same url but the config will look for bearer token only
      @Override
public void configure(HttpSecurity http) throws Exception {
    http.csrf().disable().exceptionHandling()
    .and().headers().frameOptions().disable()
    .and().sessionManagement().sessionCreationPolicy(SessionCreationPolicy.STATELESS)
    .and().authorizeRequests()
    .antMatchers("/api/**").authenticated();
    }
   }

References : https://github.com/spring-projects/spring-security-oauth/issues/1024
Spring security with Oauth2 or Http-Basic authentication for the same resource


text:
Returnal is a Shooter, Simulation, Adventure, and Single-player video game developed by Sony Interactive. Throughout the game, the player takes on the role of a protagonist named Selene, who has to fight enemies by piloting a spaceship in space. The player equips a suit and high-tech weapons to fight the advanced aliens… read more
AdventureShootingSimulation
Videos & Screenshots
Games Like Returnal for PC
27 4 2 15 3 2 2 1 1 2
#1 Alien Breed 2: Assault
Alien Breed 2: Assault is an Adventure, Survival, Shooter, Single-player, and Multiplayer video game developed by Team17. It is the second main entry in the Alien Breed series, where the player must follow the same gameplay as the previous one. Throughout the gameplay, the player controls the main character named Conrad, who comes across a series of levels and must complete the missions.
The game has multiple levels where the player can finish each level by eliminating the aliens. During missions, the player will find many alien enemies who will attack him. The player has a set of different weapons and tools that a player can improve over time. Additional ammunition and beneficial items can be obtained by earning points.
The player can move freely in all directions, but by default, he controls the character from an isometric angle. The environment will also affect the player's health and will receive damage if hit by explosions, fires, and enemy turrets. The player must catch the pads at every level that can provide relevant information about the story.
#2 Alien Breed Trilogy
Alien Breed Trilogy is an Adventure, Science Fiction, Shooter, and Single-player video game developed by Team17 for Windows. The player experiences three titles of the series in one pack, such as Alien Breed: Impact, Alien Breed 2: Assault, and Alien Breed 3: Descent. The game supports all the features of the games that include characters, weapons, and other elementary items.
Unlike other series games, the player controls a shooter from an isometric angle in areas full of aliens. It is a shoot-em-up adventure where the player has to eliminate all the aliens before they do. The game offers both modes, such as solo and multiplayer, with distinct gameplay. In solo mode, the player finds himself in front of enemies alone, but the multiplayer mode allows him to keep companions with him.
An arsenal of weapons are there, but the player does not have direct access to them; rather, he has to access those weapons over time. Alien Breed Trilogy has core features such as Shooting Scenarios, Isometric Angle, Multiple Weapons, Several Aliens, and Shoot-em-up Adventure.
#3 Alien Breed 3: Descent
Alien Breed 3: Descent is an Adventure, Survival, Shooter, Single-player, and Multiplayer video game developed by Team17. It is the third main entry in the Alien Breed series and requires the player to follow the same gameplay as in the last ones. Throughout the game, the player takes on the role of a protagonist named Conrad, from an isometric angle, who has to beat the aliens and complete the assigned tasks.
The tasks may include collecting cards, regaining power, and clearing rooms of harmful elements. The player must complete all the tasks before finding that level's exit. After completing the tasks, the player has to approach an elevator that lets him advance. While inspecting the world, the player will find many aliens and other creatures who will attack him.
The player must avoid damage from fires, electrical disturbances, and enemy turrets. The player can run and shoot in all directions and must collect different weapons and items scattered around the field. The player can purchase additional ammunition and upgrades from shops.
#4 Project Freedom
Project Freedom is an Adventure, Space, Simulation, and Single-player video game developed by City Interactive. Throughout the game, the player takes on the role of a space pilot where the main mission is to serve the corporation and beat the rivals. While inspecting the playfield, the player controls the ship from a first-person perspective.
At the screen's right side, the player finds a meter that determines the ship's health, and if it gets over, the game ends, forcing the player to restart. The game has over 20 missions in the campaign mode, where every mission is very challenging and full of enemies. 3D graphics and special effects will attract space lovers and makes the game interesting. At some spots, the player will experience unexpected turns and surprises but using smart skills; he can overcome any obstacle.
Project Freedom offers many combat missions that include escorting, striking, and rescuing operations on the moon, other planets, or in open space. The game has core features such as Different Missions, 21 Levels, Campaign Mode, Limited Health, Space Simulation, and Many Planets.
#5 Resident Evil: HD Remaster
Resident Evil: HD Remaster is an Adventure, Horror, Simulation, Shooter, and Single-player video game developed by Capcom. Throughout the game, the player takes on the role of an unnamed protagonist in a dark environment where exploration is necessary. While inspecting the playfield, the player views the environment from the third-person perspective.
The player must avoid and defeat monsters such as evil powers, undead creatures, and giant spiders. The game allows the player to interact with the environment, such as open doors, push certain objects, overcome obstacles by picking or throwing items, etc. When the player collects an item, it gets stored in the game's inventory, and the player can access it later. The player can solve the puzzles by combining the items in the inventory.
The player can use different weapons to kill monsters, such as guns, shot weapons, firearms, flamethrowers, and other different ones. The player has limited health, and as the player receives damage from enemies, it decreases, and as it runs out, the character dies. The player can regain health by collecting scattered herbs.
#6 Meltdown
Meltdown is an Adventure, Arcade, Shooter, and Single-player video game developed by Phenomenon Games for Android. Throughout the game, the player takes on the role of an unnamed protagonist whose main mission is to shoot the enemies on the way. The player has to pick up the best weapon and sets off on a thrilling adventure.
The player must be careful as each enemy has a special combat style and powers. The player has to adopt a tactical playstyle to survive in the challenging levels. The game has ten weapons where every gun has separate firearms and upgrades. The game lets the player make the guns more efficient by unlocking all the upgrades.
Thirty levels filled with bosses and enemies will keep the player's skills in testing. It is easy to shoot but surviving in front of numerous enemies is impossible. The game has a multiplayer online mode where the player can play cooperatively with other players. The game has core features such as Shooting Scenarios, 10 Weapons, 30 Levels, Bosses, Many Enemies, and Online Mode.
#7 Karlson
Karlson is an Adventure, 3D, Shooting, Single-player, and Multiplayer video game developed by Dani for Windows. Throughout the game, the player controls a character where the main mission is to shoot down the coming enemies on the way. While playing the game, the player views the character from the first-person perspective.
The player has a default gun that can be used to eliminate the robots. Unlike other shooting games, the player has limited health, and it approaches zero as the player comes in contact with the roaming robots. The game can become slow through slow-mo mode where everything becomes slow such as movement, shooting time, enemies, etc.
The player must use all of his skills to become the top shooter. The game is easy to play, but the challenge becomes harder when it comes to master the game. Dive into the adventure, eliminate all the enemies, don't let them touch the character, and try the game in slow-mo. The game has core features such as First-person Perspective, Slowmo Mode, Multiplayer Mode, and Level Editor.
#8 Tron 2.0
Tron 2.0 is an Adventure, Shooting, Single-player video game developed by Monolith Production Inc. for Windows. Throughout the game, the player serves as the main character named Jethro Jet Bradley, whose mission is to complete the tasks and make progress. The game takes the player to a computer world where all the levels are randomly linear.
The player has no choice to skip the levels where the goal of each level is to complete tasks and find keys that will let the player advance. The player can customize the character's abilities and can unlock many upgrades. The protagonist begins with a disc weapon similar to the original one, but the progression will allow the player to unlock real-time weapons like a shotgun, a submachine gun, a sniper, etc.
The player comes to engage with lower-tier enemies that are particularly powerful and appear in gangs. Most of the levels have boss enemies at the end that will also threaten the player. The game has core features such as First-person Perspective, Different Enemies, Various Weapons, Multiple Levels, and Shooting Scenarios.
#9 Duck Hunting Challenge
Duck Hunting Challenge is an Adventure, Simulation, Casual, and Single-player video game developed by Boombox. Throughout the game, the player sets out on different hunting adventures and show off his skills. The game has different playable modes, such as Career mode and quick hunt mode, with unique objectives to complete. While targeting, the player can view the targets from a first-person perspective.
In the career mode, the player has to progress through scenic stages and improve his skills to the extreme. In contrast, quick hunt mode lets the player go through a series of challenging levels. The player is not alone, but his faithful canine friend will help him in retrieving the targets. For efficient performance, the player can even train his companion to higher levels.
The game has beautiful sceneries, and the player can play in different locations such as forests, lakes, seashores, etc. It is available in the top best languages such as English, French, German, Italian, and Spanish. The game has core features such as Well-known Languages, Different Missions, Challenges, and Two Modes.
#10 Gynophobia
Gynophobia is a Horror, Adventure, Simulation, and Single-player video game developed by Andrii Vintsevych for Windows. Throughout the game, the player takes on the role of a protagonist named Mark, who finds himself in a dark mansion where an abnormal lady exists. While exploring the places, the player views the environment from the first-person perspective.
The player has a default gun that he can use to shoot enemies on the way. The player has to escape the mansion, but it is not as easy as the player imagines. The aliens will stop the player, and if they come in contact with the character, the game ends. The player can use a magnifying glass to zoom the targets and shoot the aliens from a distance.
The game has varied locations, and the player can explore every location of the mansion. Dive deep into the adventure, experience dangers, shoot aliens, and escape the town. The game has core features such as Shooting scenarios, Horror-Survival, Different Weapons, Various Aliens, First-person Perspective, and exploration.
#11 Death Point
Death Point is an Adventure, Shooting, Single-player, and Multiplayer video game for multiple platforms developed by Andliks. In this top-down genre game, the player has to shoot all the appearing enemies and make progress. The game will test the player's skills by offering such challenges that a player cannot imagine.
The game starts when the operator (female) is trapped in the enemy's territory, and the player finds himself in prison. It is time to get revenge and save the girl. The countdown has started, and the player has no time to waste. Pick the best weapon, set off to an unimagined adventure, beat the elimination sensors, and gain success. All a player has to do is to find the girl and be the hero.
The player has to plan his attacks and eliminate various opponents step by step. The player can hide in shelters but must not be noticed; otherwise, it will end. To avoid making noise, the player can use a gun with a silencer to keep enemies deactivated. A gun, shot-gun, UZIi weapon, and many other things are there.
#12 Flats
Flats is an Adventure, Shooter, Single-player, and Multiplayer video game developed by Foliage Games. Throughout the game, the player controls an unnamed character from a first-person perspective where the enemies will not stop to come. The player can play either alone or online against other players. In local multiplayer matches, the player can invite friends to play over the internet.
The game features all the classical playable modes such as Death Match, Team Death Match, Capture the Flag, and Zombie Mode. Capture the flag mode lets the player defend his flag but simultaneously has to conquer the enemy's flag. Dozens of different weapons are there with different firearms. The game has simple controls such as using a joystick; the player can move the character around.
The player has to aim and shoot the target, and every killed enemy offers some points. The player has to score as many points as possible to lead the leaderboard. The game has core features such as First-person Perspective, Several Modes, Multiplayer Mode, Team-based, and Shooting Scenarios.
#13 R-Type Final 2
R-Type Final 2 is an Action, Shooter, 3D, and Single-player video game developed by N.I.S. America. Throughout the game, the player takes on the role of an R-Type fighter, where the task is to beat the forces. The player has many weapons to use, such as wave cannons, force units, bit devices, and devastating delta weapons.
It is the best game for shoot-em-up lovers as the whole gameplay depends on using weapons and lay down enemies. The game has new features such as ruthless enemies, challenging stages, and a real-time difficulty meter that will increase or decrease according to the performance. The game has a rank system where the fighter can improve his position.
This sequel lets the player personalize every ship element that includes color, weapon type, and decals. The game has dozens of fighters from previous installments, and the player can customize them accordingly. The online leaderboard allows the players to hit the best performance and goes up to the top. The game has core features such as Online Leaderboard, Customization, Ships, and Shoot-em-up.
#14 Boxfight
Boxfight is an Adventure, Shooting, Arena-Based, Single-player, and Multiplayer video game developed by Inncop. Throughout the adventure, the player jumps into a world where all the box-fighters will try their best to be the stronger one. The game has allowed the player to use only a few weapons during fights.
In the PVP mode, the player can play against all of the best players worldwide where the game-style matters the most. In the co-op mode, four players can team-up against other teams. The player can build walls and stairs to trap the opponents in the limited area. The game has five playable characters with unique attributes and skills.
Easy, Hard, and Master difficulty levels are there, and the player must end with the master. The player can use weapons like an assault rifle, shotguns, and grenade launchers to defeat the opponent. In the ranked online matches, the player has to gain first place on the leaderboard. Boxfight game has core features such as Multiple Weapons, Different Levels, Skills, and PVP Mode.
#15 Vicious Circle
Vicious Circle is an Adventure, Shooter, Single-player, and Multiplayer video game developed by Rooster Teeth Games. Through the game, the player controls an unnamed character in space where collecting nuggets to return home is the chief task. A dangerous chicken named Peggy Sue and certain alien minions will be there to stop the player from achieving the task.
Multiple players are there on every round, but only one player can go back, and it's up to the player to either remain enslaved for Peggy Sue or snatch the victory away. The game has multiple characters where the player can select such character that has distinct abilities and skills, to ensure different playstyles.
In the multiplayer mode, the player can play with friends and must coordinate with one another. The secondary items that a player has grabbed will allow him to steal nuggets from other players. The giant chicken will become a threat to the player as he makes progress. The game has core features such as Giant Antagonist, Space Adventure, Multiplayer Mode, Secondary Items, and Nuggets Collection.
More About Returnal
Returnal is a Shooter, Simulation, Adventure, and Single-player video game developed by Sony Interactive. Throughout the game, the player takes on the role of a protagonist named Selene, who has to fight enemies by piloting a spaceship in space. The player equips a suit and high-tech weapons to fight the advanced aliens.
The Earth's destiny lies in the player's hand, and it depends on the shooter's play style. Identical to other shooting games, the game offers a health meter, and as it approaches zero, the character dies. The player will find himself in various traps where entrapping is impossible. While exploring the space, the player views the environment from the third-person perspective.
The game offers an arsenal of weapons at the player's disposal to fight the alien threat. The visual effects are stunning, and the sounds are interesting. Let the character fall in the adventure, face ruthless enemies, find all the weapons, unlock all the skins, and alter the Earth's destiny. The game has core features such as Third-person Perspective, Different Weapons, and Limited Health.
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