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全亚洲领先的私人财富管理情报、数据和人脉来源。
Andrew Shale
创始人兼董事长
Sebastian Enberg
Paris Shepherd 马龙
APB连线 总经理兼联合创始人
Richard Otsuki 李铭
副主编兼投资产品与服务新闻主管
Priyanka Boghani
私人银行新闻主管
Charlene Cong 丛卉
Alice So 苏乐恩
Gigi Lam 林姿
编辑部行政助理
Karman Wu 胡嘉文
财务与运营主管
Sonia Lam
Sam Chan
高级经理
Tristan Watkins
市場及產品開發主管
Sebastian Enberg is the Editor of Asian Private Banker. His background is in international politics, and Chinese foreign policy and security.
Sebastian graduated from Victoria University of Wellington with a Master of Strategic Studies majoring in Strategic Intelligence, and more recently, from the City University of Hong Kong with a Master of Arts. In 2012, Sebastian was awarded the university's Top Scholar Prize for his cohort.
Richard Otsuki
Richard joined Asian Private banker in 2012, where he covers a multitude of facets in Asia's private banking industry including asset management, capital markets and recruitment.
Richard graduated from Hong Kong Baptist University with a Bachelors of Arts in English Literature with a specific focus on postmodern literary theory. In his spare time, Richard is an avid fan of basketball both as a player and spectator.
Priyanka joined Asian Private Banker in 2013. Prior to this, Priyanka held various freelance roles in Editorial in London, before moving to Hong Kong as an Associate Producer at CNN International, working with their TV production teams.
Priyanka graduated from the University of Nottingham holding a Bachelors of Arts and a Masters in International Journalism from City University London. In her spare time, Priyanka enjoys photography, particularly mobile photography.
Charlene Cong
Charlene joined Asian Private Banker in 2016 as a Reporter. She graduated from the University of Hong Kong with a Master's Degree in Journalism with a specific concentration on Business and Financial Journalism.
Charlene loves music in her spare time and has a Grade 10 Certificate from The Music Examination Committee of the Chinese Musicians' Association. She speaks English, Mandarin and Cantonese.
Andrew Shale is the Founder and Chief Executive Officer of Asian Private Banker.
A graduate in Modern Chinese Studies from the University of Leeds, Andrew has lived and worked in Asia since 1989. A former investment banker at Shenyin Wanguo International, W.I. Carr and CLSA Securities, Andrew has worked in financial publishing and events since the late 1990s.
Andrew speaks Putonghua, is married and has three children.
Paris Shepherd
Paris joined Asian Private Banker at the beginning of 2015, having spent almost a decade at Euromoney Institutional Investor plc building their conference division throughout Asia. He has been based in Hong Kong and the People's Republic of China since 2003, and has done business in almost every functional market in Asia, including a few years in Dalian, Shenyang to improve his Putonghua fluency.
Paris graduated from the University of Adelaide, Australia, and was heavily involved in AIESEC, the world's largest youth run NGO during his university years.
He is an avid scuba diver, lonely Port Power (Aussie football) fan and global adventurer in his (limited!) spare time.
Madhuri Chatterjee
Madhuri joined Asian Private Banker in 2010. She is the Director of Business Development mapping the private banking, investment banking and asset management landscape in Asia. Prior to this, she was in India in a variety of industrial marketing roles with her last stint with the country's biggest engineering firm, Larsen and Toubro.
Result-oriented and fun-loving, Madhuri holds a Bachelor of Engineering from one of India's premier engineering colleges and an MBA in marketing from NMIMS. She is married and has two lovely children.
Head of Sales and Relationship Management
Sonia joined Asian Private Banker in 2013 as an integral part of the business development team. Prior to this, Sonia held various Marketing roles in wholesale, media and fashion industries.
Sonia studied Veterinary Science at the University of Sydney before studying Business Administration at Swinburne University of Technology, specialising in Business, Management, and Marketing.
In her spare time, Sonia sits on the Hong Kong Netball Association Committee Board and maintains an active interested in various animal charities, volunteering for Life Long Animal Protection, as well as the Heart Foundation.
Head of Content Solutions
Sam joined Asian Private Banker in 2013 as an Events Manager and became its Head of Content Solutions in 2016. He is responsible for the overall develop of business for Asian Private Banker's subscription product and relationship management for its corporate subscription clients. Prior to joining, Sam was planning and executing projects for youth in Tung Wah Group of Hospitals.
Sam graduated from City University with a Bachelor of Arts, majoring in International Studies. Outside of Asian Private Banker, Sam volunteers for the Junior Chamber International Hong Kong and conducts first aid courses in Hong Kong Red Cross. In his spare time, Sam enjoys jogging, jamming on his guitar and swimming.
Content Solutions Manager
Stacey joined Asian Private Banker in 2016 as the Customer Service Manager. She graduated from Coventry University with a Bachelor of Arts, majoring in International Hospitality and Tourism.
Stacey loves travelling in her spare time and she has visited more than 20 countries.
Olaide Ogungbesan
Hailing from Lagos Nigeria, Olaide joined Asian Private Banker as a Business Development Manager in the summer of 2016. Digital-savvy and solution oriented, she is passionate about fostering positive social change through technology innovation.
She previously worked at Co-Creation Hub – a social innovation space – as a project manager, where she empowered tech startups in Nigeria with knowledge & resources to rapidly scale their user base. Having run cycles of accelerator (pre-incubation & incubation) programs in partnership with industry giants, Olaide has made technology her area of expertise.
Olaide graduated from the University of Ilorin with a degree in biochemistry and was previously the Director of Business Development & Global Internships for AIESEC in Ethiopia. In her spare time, she likes to read crime and mystery novels and experience new cultures.
Joanne Tse
Joanne joined Asian Private Banker in 2016 and currently is its Programme Manager. She graduated from Hong Kong Baptist University with a Bachelor of Arts, majoring in Humanities. She is an outgoing and inquisitive person. Throughout her study period, she participated in various kinds of exchange programme including UK, Australia, Shanghai and Shandong. Joanne's interests include exploring the world's different cultures.
Head of Digital
Tristan joined Asian Private Banker in July 2015 as its first-ever digital director. Over the last 10 years he's worked in banking, retail, NGO and publishing industries in Europe and Asia Pacific. He has advanced skills in digital advertising and sales, including social media, content marketing and CRM systems.
Tristan has degrees in commerce and arts with specialisations in marketing, management and history from the University of Melbourne.
Yiyang Zhou
Digital Manager & Data Scientist
Yiyang joined Asian Private Banker as Digital Manager and Data Scientist. He is mainly responsible for database management and digital data analysis. Previously, He worked at TNS-opinion in Brussels, managing EU public survey data.
Yiyang has degrees in both statistics and international relations. He obtained his master degree from KU Leuven and his bachelor degree from Zhejiang University. He has joined several research projects in Belgium, Luxembourg and Hong Kong with a strong interest applying quantitative tools in practical business analysis.
Cecile de Buor
Cécile joined Asian Private Banker in 2016 as a Digital Marketing Manager and has 5 years of experience in digital marketing, social media marketing, and content creation. She graduated in 2010 from HEC Montréal, Canada, with a Bachelor in Business Administration, majoring in Marketing and Communications.
Cécile has lived and worked in 6 cities across 4 continents (Europe, America, Australia, and Asia) and is currently enjoying discovering Hong Kong and all of its hidden gems with her husband and 2 children.
Benjamin Yang
Benjamin joined Asian Private banker in 2011 as the Business Development Manager before moving to be Head of Operations shortly after.
Benjamin graduated from Purdue University with a Bachelor of Arts in Visual Communications Design.
Koye Sun
Koye joined Asian Private Banker in February 2016 as events manager. Prior to joining, Koye was handling events and sales in Press Room Group.
Koye graduated from University of Hong Kong with a Bachelor of Arts, majoring in Linguistics (Communication).
Evy Cheung
Evy joined Asian Private Banker in March 2017.
Alice Wong
Web Developer & Webmaster
Alice joined Asian Private Banker in 2015. Ever since she taught herself HTML in order to create her very first web site, she got seriously involved with the internet and the rest is history. When she's not working in front of the computer fixing various things or managing some servers, she enjoy swimming, watching art-house movies and drawing from life models.
Alice graduated from the Chinese University of Hong Kong with a degree in Fine Arts.
Alice So
Alice joined Asian Private Banker in 2017. As a passionate journalist and local Hong Konger, Alice previously worked at Ming Pao as an investment page reporter and Asia Television Limited as a reporter in feature news program. She received the Best New Comers (Chinese Publication) State Street Institutional Press Award in 2016.
Alice graduated with First Class Honours from the Shue Yan University with a Bachelor of Arts in Journalism and Communications. As a Christian, she is enthusiastic in church activities and youth mentorship in her spare time, as she believes the future lies in the hands of youth.
Karman Wu
Head of Finance & Operations
Martina Ngai
Gigi Lam
Editorial Executive Assistant
Gigi joined Asian Private Banker in April 2017.
APB连线的奖项是业内最高盛誉,用于表彰私人银行及其供应商的卓越表现和服务。目前,APB连线的奖项代表并认可私人银行、资产管理公司、结构性产品供应商、财富规划和金融科技供应商中的业内翘楚。
信息满载的甄选小型宴会,荟萃亚洲私人财富管理业的重量级决策者。
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投资顾问峰会
汇聚顶层私人银行业者、独立/外部资产管理者、财富管理者/单一家族办公室的最大规模顶级盛会。
今年的峰会已吸引逾800位亚洲财富管理业的资深领袖,由以下 CEO开场致辞:
博林(Bahren Shaari), 新加坡银行 CEO
范思高(Francesco de Ferrari), 瑞信总经理、亚太区私人银行部主管兼东南亚地区与前沿市场 CEO
方世华(Francois Monnet), 瑞信总经理、亚太区私人银行大中华市场主管兼瑞信香港分行行政总裁
李光荣,瑞士宝盛亚太区主管
贝名康(Michael Blake), 瑞联银行亚洲区私人银行 CEO
Pierre Vrielinck, 法国巴黎银行亚太区财富管理 CEO
陈淑珊, 星展银行消费银行与财富管理总经理兼主管
徐亦钊, 摩根士丹利亚洲国际有限公司行政总裁
香港 2017
新加坡 2017
专注于私人财富管理的月刊,全亚洲仅此一家
2017年9月,APB连线将首度探讨中国蓬勃发展的私人财富管理业,研究中国终端客户及其财富管理者的迅速全球化对世界资本市场各个领域的重大影响。
预订我们的全球中国版
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权威数据
作为全亚洲最受信赖的私人银行数据库,资产管理额与客户关系经理人数排行榜是目前最为完备精准的数据集。无论是主流金融媒体,还是银行,皆仰赖其作为衡量业绩、充实报道的标杆。
Two of our flagship annual data sets include:
2016年亚洲(中国大陆除外)资产管理额排行榜
2016年客户关系经理(中国大陆除外)人数排行榜


ROCK HILL, SOUTH CAROLINA – Winthrop University President Dan Mahony and Provost and Former Acting President Debra Boyd made the following statements today during a scheduled Board of Trustees meeting regarding the Aug. 24 vandalism of Tillman Hall.
This morning we encountered an act of vandalism at Tillman Hall. My thanks go out to our Facilities staff for acting so quickly to remove the graffiti.
To be clear, I do not believe we should allow anyone to force an action that would exclude our campus from the conversation.
Since last fall, Debra Boyd has been leading our exploration of Tillman Hall and our campus generally. She invited a group of faculty, staff, students and administrators to join together in a safe and confidential environment in order to begin the discussion. Soon after I was named the new President, I was proud to learn that Winthrop had been working to be out ahead of how best to recognize the highs – and lows – in our history. That effort gained more attention in the wake of the horrific tragedy in Charleston.
This working group recognized that limiting the discussion to Tillman Hall would not allow a broader reflection on Winthrop University's progress as an institution and would miss an opportunity to educate the campus community on the complex issues surrounding race and difference. They came to a consensus around a statement that will serve as a starting point for a broader discussion. Their recommendation was that as we move forward, all key stakeholders will participate in an open, collaborative process that will be thoughtful and deliberate. I thank Debra and the working group for their leadership in this effort.
I believe Winthrop is uniquely positioned to lead in this broader conversation. We are already a university that is diverse and we have a record of successfully embracing diversity in a way that has had a very positive impact on our entire campus community. Last October Winthrop celebrated the 50th anniversary of our first enrolled African-American students. This change happened without much of the rancor and hostility that occurred elsewhere.
I am confident that we can continue to address all of these issues in an inclusive and collaborative process that embraces the voices of all of our stakeholders. As has been the case in the past, I believe we will continue to be at our best as an institution when we work together.
Our campus community stands at a defining moment. We have a responsibility to recognize that moment and our duty to embrace it. We must not forget the past but use it as we summon our collective memories and experiences to arrive at the solid ground of common purpose.
We are brought together by Tillman Hall, originally called the Main Building as it was the first built on campus, and renamed in 1962 after another building bearing Tillman's name was torn down.
Tillman Hall was named for Benjamin "Pitchfork" Tillman, a man who as governor and U.S. Senator advocated for poor farmers against large corporate interests and endeavored to improve their condition by establishing institutions that would become Clemson University and Winthrop University. Tillman was also an unabashed racist who counted among his proudest moments his participation in the "Hamburg Massacre" of 1876 in which seven black militiamen were murdered. And one of Tillman's most enduring and fateful legacies was South Carolina's 1895 constitution, which disenfranchised most of the black majority and ensured white rule for generations.
Winthrop was built and grew in the shadow of discrimination and segregation, but we have worked to move into the sunlight. Last October, we celebrated the 50th anniversary of integration at Winthrop, a bright moment for our university. While certainly not without tension, Winthrop took its historic step toward integration without the vitriol and violence experienced at other campuses. Since then, we have grown to be among the most diverse public institutions of its type – both in the state and across the nation.
Considering how far we have come, how could we keep the name of so divisive an individual on a Winthrop building, no less than the main administration building which serves as the heart of our beloved institution? Certainly some believe strongly we cannot keep the Tillman name, including alumni who brought this issue to the forefront. We applaud them for moving us to this historic moment.
Others counsel retaining the name to recall the victory of the first African Americans to attend Winthrop as students, realizing an achievement Tillman himself would never have countenanced. Dr. Cynthia Roddey – one of Winthrop's first four African-American students in 1964 – recalls with great pride defiantly climbing the steps of the building named for someone who would have denied her the privilege of an education.
Still others note that state law prohibits changing the name of Tillman Hall without approval by the state legislature by a supermajority vote, an outcome even the most ardent supporters of renaming recognize is not likely.
Our strength as a campus community is our capacity to appreciate the array of voices speaking on this matter.
We resolve to continue these discussions, but do more than talk; our goal is to identify and act on campus initiatives that are achievable, will have long term impact, and will reflect Winthrop's culture of diversity and tolerance.
And we resolve to be known as the university community that took command of a dark chapter in our past and denied it the power to divide us. Indeed, we will be bound closer together today and in the future.


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The casket team will position the remains over the grave and unfold the flag, holding it taut over the remains. The OIC will inspect, then take one step back. This is your cue to begin the religious services at the grave.
Following your services, the military will render honors. Chaplains will position themselves two paces behind the OIC to receive the flag, in order to present it to the Next of Kin (NOK). Civilian leaders will stand to the side. Follow the OIC's lead in saluting (Civilian dress: hand over heart).
Chaplains: The OIC will turn and present you the folded flag. Take the flag with your left hand on top and your right hand on the bottom, and stand while the OIC salutes the flag (do not salute yourself at this point). When the OIC drops his salute, go to the NOK (normally seated on the left front seat) and present the flag. When you present the flag, use these or similar words: 'On behalf of the President of the United States, The United States Army, and a grateful Nation, please accept this flag as a symbol of our appreciation for your loved one's honorable and faithful service.' After presenting the flag, salute the flag and move to the side.


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This Just In: An exclusive reveal of our new posters!
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This entry was posted in Legion Magazine and tagged Legion Magazine on July 28, 2017 by Michael K. Barbour.
Images with impact
by Stephen J. Thorne
For 60 of the past 62 years, the World Press Photo competition has
been holding a mirror to the world we live in, and it's not, so to speak,
a pretty picture.
The Korea Armistice Agreement is signed.
Stay social with Legion Magazine!
📷 [Wreaths Across America eNewsletter #143] Winner of the most patriotic pictures contest
From our colleagues at the Wreaths Across America organization.
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Celebrating Our Truckers
Wreaths Across America Thanks Armellini Express Lines for Excellent Service
Kevin says driving Armellini's load of wreaths in the escort to VA National Cemetery in Lake Worth along with the Walmart trucks is a meaningful experience for him emotionally because of honoring veterans, but he says there's also a more physical kind of excitement as a professional driver.
Special Event This Weekend
Come Join Us On This Special Day
On Saturday, July 29, 2017, members of the 3rd U.S. Infantry Regiment (the Old Guard), including unit Commanders, the U.S. Army Old Guard Fife and Drum Corps, Continental Color Guard and the U.S. Army Drill Team, will be in Downeast Maine to participate in a veterans remembrance tree-tagging event.
I'm An American
The Source of Our Inspiration
This performance in December of 2016 by members of the Kennebunk Elementary School's Kids Chorus inspired the 2017 theme for Wreaths Across America, "I'm an American!"
This Week's Top Social Media Stories
This Soldier Who Joined the Military at Age 58 Will Inspire You
In 2013 on the cusp of officially becoming a senior citizen Dr. Frederick Lough swore in to become an active duty soldier. But that's not where his military career began.
Here Are the Best Military Photos For the Week of July 22nd
The military has very talented photographers in the ranks, and they're always capturing what life as a service member is like during training and at war. Here are the best military photos.
Nervous Soldier Waits To Reunite With His Military Dog
A yellow lab named named Taylor served her country in not one, but two deployments. She was so good at her job protecting fellow soldiers that the Taliban had a bounty on her head.
Congratulations to Our Winner
Pictures of Patriotism Contest Winner Selected
The results are in. With a total of 2,579 votes, Christa Parker is the winner of our Pictures of Patriotism photo contest! Thank you to Christa and all who participated!
Christa's photo is titled, "No Greater Love." The moment captured in the photo is Christa and her husband, MSG Christopher Parker, at the funeral of their son PFC Garrett Parker. They had just received his flag. Christa, thank you for sharing this personal moment with all of us. We will never forget the service and sacrifice of your son.
Christa has chosen The Bridgeport Cemetery to receive 100 wreaths to honor 100 veterans!
Mark Your Calendars
We would love to hear from you on any of these channels:

Do you know of a patriotic story for or about our veterans, that we should be sharing? We would love to hear it!
You can submit the basic details here, and we will follow up with you.
Note: Have you ever had a conversation with a "reporter-bot?" We set this up to collect stories 24/7 or whenever it is convenient for you, and then the WAA Social Media Team can join the conversation. We look forward to hearing from you!
CLICK TO SPONSOR A WREATH
Did you miss one of our recent newsletters? You can see the archive and update your email settings (there is a MONTHLY or a WEEKLY option) in our new Newsletter Central.
Join us on December 16th (the 3rd Saturday in December), 2017 for National Wreaths Across America Day. Use this map to find a location and sign up to volunteer. Can't find a location near you? You can start one (adding new locations for 2017)!
"Remember this…. In truth a person dies twice, once when he stops breathing, and a second time when somebody mentions his or her name for the last time. Join us in December when over one million volunteers nationwide, will say the names of a million fallen out loud, to make sure they will never be forgotten."
Donate or Sign Up To Volunteer
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More Than a Wreath: The Journey to Honor Our Veterans
Many WAA supporters will recognize the support that Walmart has given each year, particularly on the transportation side of things as they donate time, fuel, and equipment to help deliver the wreaths nationwide. Many of the Walmart drivers are selected in recognition of their own years of military service. In addition to supporting the WAA mission on the transportation and logistics side, the Walmart Foundation also sponsors over 10,000 wreaths placed at a number of participating locations including Arlington National Cemetery and Fayetteville National in Arkansas.
Wreaths Across America · PO Box 249 · 4 Point Street · Columbia Falls, ME 04623 · USA
This entry was posted in Wreaths Across America and tagged Wreaths Across America on July 25, 2017 by Michael K. Barbour.
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MAPLE LEAF LABELS
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The path of procurement
Of the many questions surrounding the federal government's recently
released defence policy review, perhaps none is more topical than whether Canada has the ability to spend an additional $62.3 billion on its military over the next 20 years.
HMCS Huron begins 20 years of service with the Royal Canadian Navy.

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2019 Big Ten Championship Game
Film: How J.K. Dobbins and the Ohio State Offensive Line Wore Down Wisconsin
After a pedestrian first half, the consistency of the Buckeyes' running game paid dividends down the stretch as it has all season.
By Easy Eis Dec 12, 2019, 4:31pm EST
Share All sharing options for: Film: How J.K. Dobbins and the Ohio State Offensive Line Wore Down Wisconsin
Beating the same team twice is never easy, and Wisconsin absolutely demonstrated why that's the case during the 2019 Big Ten Championship game in what nearly turned out to be a very sad ending to the conference season for Ohio State.
For a team as undeniably talented as the Badgers, it's much easier to fix mistakes that are on film against a forthcoming opponent than it is to build off of previous success in the prior contest. Wisconsin saw they did not spread out their defense enough against Ohio State back at the end of October and adjusted accordingly. The result was a disastrous first half performance from Justin Fields in both rushing and throwing the football, and the Buckeyes entered the locker room trailing their competition for the first time all season.
But fortunately, Ohio State came out for the second half and totally dominated the game from then on out, holding Wisconsin to zero points. Fields played significantly better through the air, but it was the consistency of the running game that not only kept things from getting out of hand in the first half, but also allowed Ohio State to chew out the clock once they took the lead.
Let's take a look at what J.K. Dobbins, the Ohio State offensive line, and even the Buckeyes' tight ends and receivers did well when it came to running the football:
One carry into the game, it sure seemed as if a repeat performance of Ohio State's bulldozing in the first game against Wisconsin was in store. Dobbins goes for 13 yards here on what's nothing more than a simple zone right play where the Badger safeties get caught at the snap communicating with each other instead of keeping their eyes on the backfield. Brandon Bowen — arguably the best offensive lineman Ohio State had all night — starts his game off strong by chipping the defensive tackle lined up in the A gap to help Wyatt Davis before moving up field and totally blocking the Will linebacker out of the play. Luke Farrell gets a great seal-off block on the strong side defensive end, and Chris Olave does well to attack the Wisconsin safety directly off the snap, which leaves Dobbins with a much easier opportunity to force a missed tackle against one of the Badgers' cornerbacks.
It was shocking to see Wisconsin come out with only six players in the box on the first snap of the game, given their biggest problem in their previous meeting versus Ohio State was stopping the run. However, their strategy paid off, as they correctly anticipated that the Buckeyes would try to throw the ball more in this game, particularly when they had to play from behind. Spreading out their defense gave Fields much more difficult windows for throws, and while Dobbins managed to gain positive yards on most of his carries, Fields did not have nearly the same success on the ground outside of scrambles on 3rd and Long.
One new twist in this game on the same inside zone concepts we saw from Ohio State all season was motioning the tight end from the outside prior to the snap. Most of the time the Buckeyes have run inside zone plays, the tight end is already lined up on the line of scrimmage. If there's any pre-snap movement from the tight ends, it's usually just to allow them the chance to move to the other end of the line and get reset in their stance.
However, this was the first of many instances in this game where the tight end is given a chance to build momentum and slam into the weak side defense, which allows the rest of the offensive line to get further out to the strong side. In this case, Rashod Berry doesn't actually get an opportunity to block because his assignment is reading Fields on the hand off. But Berry's mere presence allows the rest of the line to aggressively move right with the direction of the play, which gives Jonah Jackson a chance to immediately head for the second level and pick up the Will linebacker. Dobbins still gets hit three yards past the line of scrimmage, but through sheer strength and balance is able to turn this play into a nine yard gain.
The TE motion inside zone actually sprung the largest gain of the afternoon for Dobbins. With Wisconsin totally favoring their spread-out strategy at this point given their desire to stall any comeback attempts through the air, they left their defense totally out of alignment in the event Dobbins were to receive a handoff going right. Farrell comes in motion and takes the weak side defensive end out of the blocking equation, which leaves Ohio State's offensive line with a 5v4 blocking advantage.
With no linebacker support behind them, Wisconsin's strong side defensive linemen are powerless against Wyatt Davis and Brandon Bowen. It doesn't help that the Badger secondary is playing so soft pre-snap that Olave is able to cheat inside to help seal off the edge before turning back upfield to give Dobbins an opportunity to cut slightly back inside for a bigger gain. Given the Buckeyes had first and goal after this play, it's a shame Dobbins only saw one more carry before Fields fumbled the football.
Joel Klatt spotlighted Austin Mack on the Buckeyes' first touchdown of the day given what probably should have been called holding, but the real hero of this run for Ohio State was Jeremy Ruckert. With Wyatt Davis harboring a shoulder injury, the Buckeyes had to slide Bowen over to right guard and install Nicholas Petit-Frere at right tackle. Petit-Frere unfortunately slants too far inside on this play and isn't able to get a hand on any defender, but Ruckert makes an incredible adjustment on his block that not only takes out the Mike linebacker, but also the strong side defensive end. On a day where Ohio State's tight ends shined with respect to blocking the football, this might have been the best play of all from that group. Incredibly, this wasn't even Ruckert's best moment on a scoring play in this game.
One of the mistakes Wisconsin's defense consistently made on Ohio State's successful running plays throughout this game was having a linebacker crash directly into the inside of the offensive line. Doing that just gave a Buckeye team trying to execute a zone scheme less to worry about with respect to getting their blockers to the next level, and it allowed Ohio State's wide receivers to target the safeties on their blocks while Dobbins focused on getting to the edge and forcing cornerbacks into uncomfortable tackling situations.
With the Sam linebacker running directly into the scrum on this play, Bowen gets to stay home and maul the defensive lineman in his gap. Meanwhile, Farrell is able to seal off the defensive end once again, and Mack makes a beeline for the safety in an attempt to give Dobbins a one-on-one situation versus Wisconsin's outside defensive back. Mack whiffs on his block, but had he taken out the safety and Dobbins made the lone remaining man miss, this could have been another enormous outside run for the Buckeyes.
Next play, Wisconsin did the same thing with the Will linebacker, as he crashes directly into the A gap before even reading the direction of the play. This gives Jackson a much easier opportunity to take him out of contention to make a tackle on Dobbins. Davis is able to go next level immediately and pick up the Mike linebacker, while Bowen and Farrell totally block their assignments out of the play thanks to each of the defenders overplaying the edge in wake of the previous snap.
Berry, lined up in the slot here, doesn't quite make his own block on the edge. But the Badgers are so focused on not getting beat outside here that when Dobbins cuts back inside through the hole Davis and Bowen have created, the Wisconsin safety has to retreat from the sideline back towards the middle of the field. Dobbins gets an easy opportunity to create a missed tackle by cutting back outside underneath Berry, and suddenly the Buckeyes have completely flipped their field position in the span of two plays.
Another inside zone featuring motion from the tight end, although Dobbins is really what makes this play work more than anything else. Berry comes in motion from the outside once again, and Wisconsin has seen this enough now to understand that this is a dead giveaway for a zone run to the opposite side of where the tight end is running. But once Dobbins catches both linebackers reading right, he cuts back in the opposite direction, where Berry has taken out the weak side edge.
This already was going to be a nice first down gain to end the quarter, but then Dobbins puts a nasty juke on the Wisconsin safety in space to pick up another six yards and set up 2nd and Short. Unfortunately, K.J. Hill didn't really make an effort to throw an effective block here or it could have been an even bigger gain, but given this is a play designed to the opposite side of the field from where Hill is, that can be somewhat forgiven. Plays like this are what make Dobbins one of the most intelligent running backs in college football.
Finally, we get to the drive that Ohio State used to kill almost the entire 4th quarter following Hill's second touchdown grab of the game. This drive started at the 10:36 mark and ended roughly six minutes later with a Blake Haubeil field goal on 4th and Goal. The first play set the tone, as it would be the first of four carries Dobbins would have on this drive that went for at least seven yards.
The weak side of Ohio State's offensive line didn't have a ton of success in this game, but with the contest far into its later stages by this point, the running game has really started to wear on the Wisconsin defense. As a result, everybody along the line gets a chance to shine on this drive. With this being a simple zone off tackle run to the left side, Josh Myers gets a quick chip on Jackson's assignment at the line of scrimmage before going after the Mike linebacker, and Thayer Munford follows suit by going directly after the remaining linebacker in space.
Interestingly, despite Ohio State clearly being in chew clock mode, Wisconsin's defense is still favoring a spread over strength approach at this stage as evidenced by playing both of their safeties back in a 3-3-5 formation. Against a back like Dobbins with a fleet of All-Big Ten maulers in front of him, that's free cheese.
For whatever reason, Wisconsin did not adjust their defensive personell despite giving up 20 yards to Dobbins on the first three plays of this drive. Favoring speed over strength ended up costing the Badgers dearly, even on plays where the Buckeyes made mistakes in their blocking assignments. Berry shows motion from the outside here as he has on previous inside zone runs this game, but cuts it off short to line up on the strong side so Ohio State can run another off tackle play. But Davis gets blown up at the line, Bowen gets confused on which linebacker he's supposed to block downfield, and the weak side defensive end comes in unblocked as Dobbins gets stalled in the backfield.
For almost any other running back, this play is a two yard loss through no fault of their own. But Dobbins is a freak, not only anticipating the arrival of the weak side defensive end despite not even being able to see him, but then picking up nine yards on the play almost entirely after contact while Wisconsin's defense needs seven players to bring him down. Dobbins' effort here is the difference between an Ohio State 3rd and Long with a little over seven minutes remaining and the continuation of a critical clock-killing drive for the Buckeyes.
One of the intentions we saw from Ohio State in the previous meeting with Wisconsin that didn't show up as much in this game was the desire to put stress on the interior defensive linemen in read option situations. Given the funky status of Fields' knee, it was probably a wise decision to seldom put the quarterback in a position to run unless absolutely necessary. But it's clear on this play the offensive line had no intention of blocking Wisconsin's strong side defensive end, as Bowen immediately blocks back inside without even looking at him while Berry targets the Sam linebacker on the edge.
Once Fields reads the defensive end is targeting him and hands the ball off to Dobbins, all that's left is to account for the Mike linebacker since the Badger corners continue to play far back off the line. Garrett Wilson stares down the Mike before the ball is even snapped, and runs three yards upfield before cutting back inside to chip the linebacker and give Dobbins a window for some additional yardage. Dobbins is able to pick up the first down, and the Buckeyes have a solid red zone opportunity to put some more points up and cushion their lead a bit as the game winds down into its closing stages.
It wasn't the prettiest or most dominant performance we've seen from Ohio State's run game this season, and it was certainly a far cry from when the Buckeyes totally steamrolled the Badgers in the second half of their first meeting at the end of October. But make no mistake, putting up 172 team rushing yards in a rematch against one of the best defenses in college football that has film on hand to correct mistakes from barely over a month ago is nothing short of monumentally impressive. The College Football Playoff committee may not quite have agreed, but this is still a game Ohio State's running game should be profoundly proud of.
However, the greatest challenge still remains for these Buckeyes. Clemson is arguably the best team in college football at the line of scrimmage in nearly all facets, and if Ohio State wants to add another National Championship to their collection, it's going to take the best effort we've seen yet from college football's most impressive running game this season to get there.


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SYNONYM

#### According to
The Catalogue of Life, 3rd January 2011

#### Published in
Pugill. pl. Afr. bor. Hispan. 11. 1852

#### Original name
null

### Remarks
null

redpajama_set_name: RedPajamaGithub


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Cuello de Luna is located on the foothills of Cotopaxi Volcano and the Iliniza mountains right on the Quilotoa Loop. This country inn is the preferred starting point for excursions to Cotopaxi National Park, climbing Cotopaxi, Iliniza and Chimborazo, and the best place to visit the indigenous market of Saquisili and Zumbahua and the Quilotoa crater.
Hacienda La Cienega is one of Ecuador's oldest colonial haciendas. Situated near the slopes of Cotopaxi volcano, this mansion has been the scene of important events in the scientific and social history of Ecuador. Today, tastefully converted into a first-class hotel.
Thirty kilometers from Ambato, the valley of Patate is known for its picturesque location on the Patate river, the grapes grown in the region and the production of some of the best "aguardiente" liquor in the highlands. Hosteria Leito's bright comfortable rooms and soft beds preserve the smell of antique furniture. Leito's relaxing bathrooms and cozy atmosphere guarantee resting and well being.
Located near Salcedo in the Cotopaxi province, this Hosteria/Hacienda offers great service and a fine restaurant.
Built on the site of an important Inca Palace, this working farm offers today's traveler a glimpse into Ecuador's rich history. Located in the shadows of Mt. Cotopaxi.
Hosteria San Mateo is located on the Avenue of the Volcanoes only 75 km South of Quito, 15 km North of Latacunga and 6 km from the entrance to Cotopaxi National Park.


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Kraig delivers first genetically engineered silkworms to Vietnam
Posted on January 7, 2019 by Matt Roush
ANN ARBOR – Kraig Biocraft Laboratories Inc. (OTC: KBLB), the Ann Arbor-based developer of advanced fabrics produced by recombinant DNA technology, announced that it had successfully delivered the first two shipments of its genetically engineered silkworms to its mulberry plantation in Vietnam.
Kraig has spliced spider genes into silkworms, which leads them to spin cocoons whose silk has some of the high-strength attributes of spiderweb silk.
The company said the announcement is the culmination of more than 5 years of work, and challenging negotiation, with the government of Vietnam. The silkworms from these first two shipments have already hatched and are now enjoying a fresh mulberry diet, so, for the first time in history, the global demand for spider silk materials has a viable, cost effective, and scalable means of production.
"The dream of commercializing our powerful technology is now materializing," said Kraig COO Jon Rice. "This marks a dramatic leap forward in Kraig Labs' business plan for commercial production and mass marketing of cost effective recombinant spider silk, and becomes the foundation for an entirely new industry. To our long-term shareholders, who have taken this journey with us, as well as our team in the U.S. and Vietnam, who have worked tirelessly to make this dream a reality, I cannot thank you enough. As we start the New Year, full of new opportunity, we truly have something incredible to celebrate."
Company officials said they have been working with leading sericulture experts, biotechnology institutions, and governmental agencies in Vietnam in the effort, and are currently finalizing renovation plans for a 46,000-square-foot production factory in Quang Nam Province, Vietnam.
Added Kraig CEO and founder Kim Thompson: "Our plan has always been to bring our technology to the silk producing regions of the world for rapid scale-up. Today we see the fruits of that effort. With its massive silk infrastructure and production capacity, Vietnam is an ideal location to launch our technology scale-up. Congratulations to our team and shareholders, as we prepare for the realization of large scale production."
For more information on Kraig's spider silk technology, click here.
Posted in Genetic Engineering, Textile IndustryTagged Ann Arbor, featured, Kraig Biocraft Laboratories, Spider Silk, Vietnam


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Sameh Abdelazim worked as chip physical design engineer at IBM before receiving his Ph.D. in Electrical Engineering from The Graduate School and University Center, The City University of New York. His research area of interest is in remote sensing and developing Doppler Lidar for wind sensing. He teaches undergraduate and graduate courses including the following: DC and AC Circuits, Analog and Digital Control, Instrumentation, Electronic Circuits, Microprocessor Design, Computer Architecture, and Computer Aided System Design in addition to his many publications and other creative activities.


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Fantastic Beasts Fails By Ignoring What Made Harry Potter So Great
Harriet Angela
10 Jul 2022 • 17 Views
The Fantastic Beasts films seem to be to expand the Wizarding World, but that creates a problem in overlooking what made Harry Potter so special.
One of the key reasons the Fantastic Beasts films have failed is that they pass a massive section of what made Harry Potter so exquisite and beloved. Warner Bros. had ambitious plans for the Fantastic Beasts franchise, with five films in whole predicted to inform the story now not only of magizoologist Newt Scamander (Eddie Redmayne), but additionally increase the Wizarding World and reveal the fact in the back of the rise of Gellert Grindelwald (formerly performed by way of Johnny Depp, now Mads Mikkelsen). Unfortunately for the studio, matters have never absolutely acquired going for the series.
The first movie, Fantastic Beasts And Where To Find Them, used to be a solid sufficient success, with in most cases fantastic evaluations and a box workplace haul of $814 million, which was once first rate even within the Harry Potter franchise. The broader issues ostensibly commenced in Fantastic Beasts: The Crimes Of Grindelwald, which was once criticized with the aid of movie critics and audiences alike and underperformed at the box office, making $654 million. There are myriad problems with Fantastic Beasts each behind-the-scenes and in phrases of its method to storytelling, however one of the largest is a essential difficulty with the Wizarding World itself.
To various degrees, all of the Fantastic Beasts movies, which includes Fantastic Beasts: The Secrets of Dumbledore, appear to expand upon the Wizarding World, going to new areas and making big exhibits and additions to the lore. Aside from Fantastic Beasts movies developing Harry Potter plot holes, this strategy to world building also ignores plenty of what made Harry Potter sense so distinctive to commence with: Hogwarts. The movies have touched upon the School of Witchcraft and Wizardry, most enormously with the presence of a youthful Albus Dumbledore (Jude Law), however it's never been the principal focus due to its titular storylines, and that explains in section why the franchise would not work as properly as the Harry Potter movies.
It was Hogwarts that was once key to making Harry Potter work. It was that region that so perfectly captured the series' innate sense of magic, both in the books and brilliantly introduced to lifestyles in the films (which weren't flawless, however did a exquisite job of shooting the wonder of the faculty and flawlessly cast Hogwarts' professors). It's in Hogwarts that Harry Potter offers the experience of escapism and acceptance that made it work its way into the hearts and minds of so many; where it brilliantly blended truth with delusion to conjure up a fully-realized sense of area for readers and viewers to dream of going to. Fantastic Beasts is extra of a globe-trotting adventure, which in turn means there may be nothing to supply it that equal extraordinary feeling of place or to find that belonging.
This is in section an trouble with even attempting to enlarge the Wizarding World, due to the fact unlike, say, Middle-earth or Westeros, the genius didn't lie in an expansive, richly special map full of one of a kind locations, but alternatively largely on a singular location that tapped into the pleasure of imagination, wish-fulfilment, and the childhood marvel that possibly this ought to actually exist. The Harry Potter books and movies themselves went beyond Hogwarts with some splendid locations - Hogsmeade, Diagon Alley, the Burrow, to name however a few - however crucially they all, for the most part, served its Hogwarts-centric story in some way, be it a stop-gap on the way there or a quick pause amidst the term. They felt distinct because, in a way, they had been an growth of what made the faculty work, fitting into its core subject matters of friendship, household (biological and found), and acceptance.
The Fantastic Beasts films tried to be higher than Hogwarts, and thinking they should gain that by going to greater places and introducing a new raft of characters, before rapidly adjusting route to healthy extra carefully to Harry Potter's story - in unique Dumbledore and Grindelwald - but besides re-capturing what made people love it to begin with and in no way truly being in a position to compete. Harry Potter itself gave recommendations of the larger Wizarding World that labored nicely - the Quidditch World Cup, and the presence of Beauxbatons and Durmstrang, all inside the same book/movie - but they were continually an addition to Hogwarts, by no means detracting from it. Of course, Hogwarts used to be Harry Potter's genuine home, which gave it an advantage over Fantastic Beasts' characters, but the likes of Newt and Dumbledore have obvious, deep ties to the faculty that it pull on more to try and remember what made the series it spins off from so good.
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The History of Fallsburg
Fallsburg is a place rich in history. That in itself may sound inviting but as we found out that's not always the case. Hours of sit downs with community elders and reading documents paint a sometimes gruesome picture. Although there are many stories and mischievous deeds in this towns past one stuck out above all others. That would be the happenings on the Collinsworth Farm. We want to give sort of a disclaimer and let you know that not all of the family's crimes we are going to tell you can be historically proven but many can.
That brings us to William Collinsworth. William owned over 1400 acres in and around Fallsburg and many of the businesses in town. According to the Fallsburg History book after losing his wife and children to an outbreak of scarlet fever things definitely changed. William and his brother were rarely seen and closed the majority of the family businesses. By all accounts we found that mental illness ran in the Collinsworth family, as Williams father was schizophrenic and passed when William was very young leaving him to care for his afflicted brother Ray. William and Ray reserved themselves to the family farm exactly where the Fearplex now stands today.
Only a handful of the disappearances could be directly tied back to William and his brother. Local accounts from town folk paint a grim picture bringing deaths associated with the Collinsworth farm up to more than 19. The horrific nature of these crimes ranged from kidnapping to torture and mutilation. All of which centered on young women between the ages of 18 and 25.
Although William cared deeply for his brother the burden of raising him was overwhelming. As time progressed Ray's condition evolved into psychosis. His mental state deteriorated into that of a deranged child. Rarely seen off the farm Ray's only connection to reality was his fascination with the traveling circus that would on occasion pass through town. It was behind this guise that Ray would live out his every sadistic whim behind the makeup of a clown.
As documented in the Fallsburg Dispatch on September 17th of 1896 a young women was found on the banks of Blaine Creek. Discovered by gristmill workers the severely injured woman began ranting of her accounts at the Collinsworth farm. The young woman's story described the inside of the Collinsworth home as a vision of horror. Rooms containing instruments of torture and other women like herself, some alive, and some who would now be named among the many victims of William and Ray Collinsworth.
After hearing his daughters claims Everett Daniels a local farmer decided to take matters into his own hands. Unaware of Everett's intentions several local constables gathered to question William and his brother. Before the group could arrive Everett entered the Collinsworth home confronting William in his workshop, the incident would end with both men dead by gunshot.
As denoted by historians in the book "Falling Leaves : Accounts of Eastern Kentucky Violence" Research done by Fearplex manager John Adams revealed that on that day in September 4 bodies were removed from the home, and the partial remains of 2 others. Although all available documented information has been confirmed the word of mouth accounts that have been passed down through generations describe scenes of women tortured, chained, and caged like animals in rooms inside the home. Many of which who were near death or long deceased.
The story you have just read is all based on research done by the Fearplex managers, owner and some outside sources. While some of these accounts can be historically proven we do not convey that in its entirety all statements are true. The Fearplex is entertainment based but we also pride ourselves in trying to recreate things that have happened right here on the grounds. An attempt to find living relatives with direct lineage was made with no success. We do not want to slander the Collinsworth name in any way. We only want to tell of accounts pulled from historical documents and stories handed down from years ago. Many elders within the surrounding area of Fallsburg contributed to this story and made clear that they could not prove or disprove any of the things shared with the Fallsburg Fearplex staff. Please watch the video that will be released by the Fearplex Team on September 18th. The video will get more in-depth about the Collinsworth crimes and explain how we intend to immerse you in things that happened over 100 years ago.


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School of History, Classics & Archaeology
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Dr Iain Lauchlan
BA, PhD
Senior Lecturer; History
Email: Iain.Lauchlan@ed.ac.uk
Room 00M.09, William Robertson Wing, Old Medical School, Teviot Place
Mon 11.00-12.00. Thurs 13.00-14.00.
I was born and raised somewhere obscure in the middle of England. I received my BA (1993) and PhD (1998) from the University of Leeds. My PhD thesis and first book were on the tsarist secret police based on research in the newly opened Russian state archives. After this I took up a research fellowship at Helsinki University in 1999, which thanks to Finnish Academy funding provided me with access to the former Communist Party and KGB archives in Moscow. This led to a British Academy Post-doctoral Fellowship at St Cross College, Oxford from 2001 to 2004 and after that a lectureship at Stirling University. I was appointed to my current post as Lecturer in History at the University of Edinburgh in January 2010.
Research, Knowledge Exchange and Impact
Summary of research interests
Periods:
Twentieth Century & After
Russian history, particularly the Russian Revolution and the Stalin era. Russia's relations with the West. The history of intelligence, conspiracy and espionage.
Current research activities
I am currently writing a biography of the founder of the Soviet security police and poster-boy for the Putin era, Felix Dzerzhinsky. In my next project I will be looking at the influence of the Kremlin doctors on the conspiratorial worldview of the Communist leadership and the use medicine as an instrument of repression in the USSR.
A history of the Stalin revolution: I am working on a political, social and cultural history of the Stalin era before the Second World War. My interests in particular are focussed on the 'other Stalinists': both the allies and victims of the leader, the precursors and pioneers of the Stalinist system of government. I have received funding from the British Academy and Carnegie Trust for research in Moscow on this project.
Undergraduate teaching
Themes in Modern European History
History in Practice
Revolutionary Russia, 1861-1921
Stalin's Russia, 1921-1941
Current Students:
Thesis topic
Supervision type
Galy, Ariane PhD Stalin and Stalinism in Western Historiography Joint
Kokosalakis, Yiannis PhD The Communist Party in Soviet Society in the 1930s Primary
Sambells, Chelsea PhD A Study of the Allied Evacuation Scheme of French, Belgian and Yugoslavian Children to Switzerland, 1942-1945 Secondary
The list below is a subset of the information held on the University of Edinburgh PURE system, and includes Books, Chapters, Articles and Conference contributions. For a full list, including details of other publication types (e.g. reviews), please see the Edinburgh Research Explorer page for Dr Iain Lauchlan.
Books - Authored
Lauchlan, I. (2002) Russian Hide-and-Seek: The Tsarist Secret Police in St Petersburg, 1906-1914. Helsinki, Finland: SKS, Helsinki
Lauchlan, I. (2013) Guardians of the People's Total Happiness: The Origins and Impact of the Cult of the Cheka. Politics, Religion and Ideology, 14(4), pp. 521-539DOI: https://doi.org/10.1080/21567689.2013.829048
Lauchlan, I. (2013) Feliks before the fall. A biographical approach to understanding Stalinism. The International Newsletter of Communist Studies, XIX(26), pp. 48-61
Lauchlan, I. (2001) The Accidental Terrorist: Okhrana connections to the extreme right & the attempt to assassinate Sergei Witte in 1907. Revolutionary Russia, 14(2), pp. 1-32DOI: https://doi.org/10.1080/09546540108575738
Lauchlan, I. (1992) The Serbian Struggle in Macedonia, 1890-1910. The South Slav Journal, 15, pp. 65-89
Lauchlan, I. (2017) A perfect spy chief? Feliks Dzerzhinsky and the Cheka. In: Maddrell, P., Moran, C., Iordanu, I. and Stout, M. (eds.) Spy Chiefs, Volume 2: Intelligence Leaders in Europe, the Middle East, and Asia. Washington: Georgetown University Press, pp. 97-122
Lauchlan, I. (2015) Young Felix Dzerzhinsky and the Origins of Stalinism. In: Kangaspuro, M. and Oittinen, V. (eds.) Discussing Stalinism: Problems and Approaches. Tampere, Finland: Aleksanteri Institute, Helsinki. Juvenes Print, Tampere, Finland., pp. 93-113
Lauchlan, I. (2013) Chekist Mentalité and the Origins of the Great Terror. In: Harris, J. (ed.) Anatomy of Terror: Political Violence under Stalin. Oxford: Oxford University Press, pp. 13-28
Lauchlan, I. (2010) Felix Edmundovich Dzerzhinsky. In: Pons, S. and Service, R. (eds.) A Dictionary of 20th-Century Communism. Princeton University Press
Lauchlan, I. (2010) Laughter in the Dark: Humour under Stalin. In: Anne Chamayou, A. (ed.) Le Rire Europeen. Presses Universitaires De Perpignan, pp. 257-274
Lauchlan, I. (2006) Felix Edmundovich Dzerzhinsky. In: Silvio Pons, R. (ed.) Dizionario Del Comunismo. Einaudi
Lauchlan, I. (2005) The Okhrana: Security Policing in Late Imperial Russia. In: Thatcher, I. (ed.) Late Imperial Russia: Problems and Prospects. Manchester University Press, pp. 44-63
Lauchlan, I. (2002) Separate Realm: The Okhrana Myth and Russian Otherness. In: Chris J Chulos, J. (ed.) Imperial and National Identities in Pre-Revolutionary, Soviet, and Post-Soviet Russia. SKS, Helsinki, pp. 70-99
This article was published on 1 Jul, 2021


Does that mean nothing? Or is that WOW lingo?
a puzzle, and by all means a more beautiful one than any warcraft could come up with!
I googled it and found nAdA puzzle quest. Is that what s/he's referring to? I'm out of the loop when it comes to games. I've read some articles about wow and have heard that it's very addictive. I've never met anyone that plays these games but I'm curious to know if they are indeed addictive and if so, why.
Obviously I know what the spanish to english translation is. Answering my question with 'nothing' doesn't make sense. That's why I thought you might be referring to something else.
I'm rather old and have never looked at the world like your description, so yeah, you're wrong.
Spirits and ghosts... I think not.
Here's a Hawking lecture (5 parts). Enjoy!
If you want to make fun of Creationism, Hellfire, etc, open up another specific thread and post it there.
This has ZERO to do with this thread.
The OP and I have been discussing origins. You really are quite the little controller, aren't you lol.


I have quite a few gigs coming up with my Mini Rectifier and want to make sure it all goes smoothly.
I have a spare Pair of Mesa el84, but the only preamp tubes I have spare is Ruby 12ax7ac5 hg.
Hopefully I won't need them, I would buy a pair of Mesas but don't have the time.
I'm sure the Ruby's will be ok as a substitute?
I wouldn't worry about it. Most likely, the Ruby's are the same/similar to the Mesa tubes since they're using a lot of Chinese/Shuguang tubes and rebranding.


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Six Steps to Encouragement (DVD)
Practical training for small groups
Author: Gordon Cheng
This six session, DVD-based course is ideal for small groups, and teaches the basics of how to encourage others with God's word.
Participants will also need the course workbook. The video content is also available to purchase on Vimeo.
God has given every Christian an enormous privilege and gift: the power to speak his life-changing word into the lives of other people. There's no reason at all for there to be 'passengers' in a church: every Christian can change the lives of those around them through knowing and telling the message of God's grace, whether in front of a group, in a hand-written note, in a one-to-one conversation over morning tea, or in a thousand other ways. Every Christian can be a channel of encouragement. In Six Steps to Encouragement you'll learn the why and how of personal encouragement. Through video input, Bible study, practical examples, discussions and hands-on exercises, you'll discover how to bring life, hope and strength to those around you by bringing the powerful word of God to them. You'll also work through practical case studies such as welcoming newcomers, listening, rebuking, and dealing with suffering.
Six Steps to Encouragement is a six-session course, best undertaken in a small group (of 6-10 people). To run the course you will need: a workbook for each person, which also contains notes for group leaders; and this DVD to use in the group. The video content is also available to purchase on Vimeo.
Gordon Cheng is married to Fiona and has three daughters. He has studied psychology and theology, and worked with uni students and as a minister in several parishes in Melbourne and Sydney. He is interested in choral and piano music, writing letters to newspapers, and reading church history.
"Six Steps to Encouragement is a course that deserves to see wide usage. Like Two Ways to Live, it is well-rounded, flexible, thoroughly biblical, and will enable many to speak God's word to others with confidence and courage."
— Southern Cross Magazine
Format DVD
Series Six Steps
Six Steps to Reading Your Bible (DVD)
DVD Add
Six Steps to Talking About Jesus (Workbook)
Six Steps to Loving Your Church (Workbook)


Mexican government making it hard for immigrants living abroad to vote by mail.
During the last few weeks, caravans of Mexican immigrants living legally in the United States have been traveling to Tijuana and other border cities to apply for a Mexican voter identification card (credencial de elector), in some cases escorted by organizations hoping to get them to vote in Mexico's upcoming presidential election.
A voter registration card is required to vote in Mexico, and by law, can only be issued on Mexican soil by the Federal Electoral Institute (IFE), an autonomous, public organization that conducts federal elections. Without it, those living outside the country cannot cast an absentee ballot by mail.
The deadline to register to vote by mail is Sunday, Jan. 15. The deadline does not apply to Mexican nationals who want to return to the country to vote.
Martin Lopez, a Mexican activist in Los Angeles, has been helping fellow Mexicans register to vote through the online IFE's website www.VotoExtranjero.mx for the upcoming 2012 Mexican Presidential Election. Ten days ago, 10 people helped by local organizations made the trip from Los Angeles, across the border and back, and 8 more people are scheduled to make the trip today, Lopez told EGP late last week.
Felipe Sanchez, a Mexican immigrant who doesn't identify himself as an activist, has also been helping Mexican voters who can legally cross the border to register to vote.
"There are a lot of stories … we've had elderly voters come in who bring their voter identification card that pictures them when they were 18 years old, there's a huge difference in their appearance," Sanchez said.
Numerous local organizations—like Vamos Unidos USA, The Full Rights for Immigrants Coalition, Hermandad Mexicana Nacional, Federacion de Clubes and Organizaciones de Zacatecanos, and MORENA—have been laboring to get out the Mexican vote, he said.
Few Mexican immigrants who reside in the U.S. will actually cross the border to vote, says Juan José Gutiérrez of the Full Rights for Immigrants Coalition and Vamos Unidos USA. Those that do will do it for symbolic reasons, not because it's more convenient, he says.
Gutiérrez and other activists allege that Mexico's voter identification requirement disenfranchises a majority of Mexican citizens living abroad who are eligible to vote, but cannot return to the country either because of their legal status or the cost to make the trip.
To obtain a voter identification card, a Mexican citizen must present required documents to an IFE office in Mexico. There is a minimum two week waiting period for the card to be approved and issued. For Mexicans legally residing in an area of the U.S. but not near the border, the cost of buying an airplane ticket, missing work and financing expenses for up to six weeks while waiting for the card to be issued is not affordable, says Gutiérrez.
"Although Mexican authorities can brag about how much they've advanced in democratic process in so far as Mexicans voting abroad, much work remains to be done because democratic rights are not fully extended by the Mexican government to Mexicans voting abroad," Gutiérrez told EGP.
The result is the systematic denial of the right to vote of the majority of the voting age population living outside the country, Gutierrez said.
"Seventy percent are effectively barred from voting … only those who have US visas or US citizenship and live near the US-Mexico border, and are willing to go to an IFE office and jump through all the hoops [can obtain a voter identification card to vote by mail], he said.
Since 1917, the Mexican Constitution has guaranteed the right to vote to all Mexicans, including those living abroad, so the current electoral system is unconstitutional, Gutiérrez insists.
"As far as I'm concerned, every single Mexican election that has happened is illegitimate because it has excluded a significant voting-age population abroad, especially in the US," he said.
IFE officials estimate that in California, about 5,000 Mexicans citizens and individuals with dual US/Mexican citizenship have already registered to vote by mail.
The majority are likely from the Los Angeles area, as was the case in 2006 when 12,000 votes originated from the L.A. area, according to IFE Electoral Adviser Francisco Javier Guerrero Aguirre and IFE Mexican Voter Abroad Coordinator Dalia Moreno.
Mexican voters living outside the country that successfully registered to vote will receive their ballots by mail starting in April. It must be received by IFE by June 30—one day before the election.
2006 was the last Mexican presidential election and the first time the Mexican government, through IFE, enabled Mexicans outside the country to vote. Fifty thousand registered to vote from abroad, but only about 32,000 submitted a ballot, said Guerrero Aguirre.
IFE was created 21 years ago after Mexicans on both sides of the border pushed to reform Mexico's electoral process by making it more transparent. Mexico elects a president every six years.
A number of activists allege thousands of votes were disqualified in 2006, changing the outcome of the presidential election, which they say would have been won by Andrés Manuel López Obrador. Others say Felipe Calderón was rightfully elected.
While IFE acknowledges that the current vote by mail process is too restrictive for undocumented and documented Mexicans living in the US and other counties, only Mexico's Congress can change the requirements, Guerrero Aguirre told EGP.
IFE sees two possible ways to address the problem: find a mechanism to issue voter ID cards outside of Mexico, and allow in-person voting at specified locations. The change would have to be adopted by Mexico's Congress, which appears unwilling to support outreach to expand the number of Mexican voting from abroad.
IFE's vote abroad outreach budget was slashed about 60 percent by Congress, notes Moreno.
Nonetheless, they have done "more with less," carrying out two positive "innovations," she said. In 2006, using an absentee ballot cost $8 to $12 for priority postage; this year there is no charge. And for several months, IFE employees have staffed help desks at consulate offices that serve large Mexican populations, like in Los Angeles.
The changes resulted from recommendations made following the 2006 election, Moreno said. IFE has also enlisted 60 local organizations to disseminate information, she added.
IFE's budget was cut because of the lower than expected turn-out of voters living abroad in 2006 didn't justify the cost of the previous campaign, according to California State University, Los Angeles Assistant Professor Emily Acevedo, Ph.D.
She says the voter identification card is one of the strong points in Mexico's electoral system, and that it helps prevent election fraud. Besides having a photo of the voter, the card also has the person's thumbprint.
While stricter voting identification requirements in the US are being debated, the identification requirement for US citizens who desire to register to vote from abroad vary from state to state, according to Kate Meadows of the Federal Voting Assistance Program. Although US citizens cannot vote in person at locations outside the US, they can vote using the absentee voting process, she said.
"While some states do not require ID with a Federal Post Card Application (FPCA) other States accept State Drivers license or State ID number – or require the voter's full Social Security number," Meadows said in an email.
Voter apathy, however, is a serious problem in the US as it is for Mexicans living abroad. For Mexicans in the US, who are not recent immigrants, the apathy could be due to them no longer having strong ties to Mexico, or plans for returning. They may not feel like they have a stake in the safety and viability of Mexico's government, Acevedo said.
Voter disillusionment with the Mexican government is also an issue. Many immigrants believe the government is corrupt, in some places undistinguishable from organized crime. So they take a "why bother voting" attitude, some activists say.
It is unclear how many potential Mexican voters are living outside the country, but IFE estimates 2 to 3 million in the US could be eligible for a voter identification card.
Guerrero Aguirre points out a double phenomenon: There are Mexicans who don't vote in the US and who don't vote in Mexico, that's really the worse thing that could happen to any citizen, he said.
January 12, 2012 Copyright © 2012 Eastern Group Publications, Inc.
Mexican immigrants must have voter I.D. cards to vote in Mexico?
Can these Mexicans also vote in the U.S. election? How would we know? The DOJ challenges any State that requires voter I.D!
But it is OK for Mexico?


As we've mentioned in a previous blog post, beginning on October 1, 2013, the US Department of Health and Human Services will issue a mandate requiring all healthcare providers discontinue use of the ICD-9 medical codes and adopt ICD-10 diagnosis and in patient hospital procedure codes.
As with any new system there is a learning curve, and healthcare providers are concerned about the impact the new coding system will have to healthcare revenue cycle management. The changeover represents one of the most significant changeovers in the history of information management and technology: according to IT experts, the size of the system upgrades required should easily surpass those required for 1999-2000 Y2K changeover (healthleadersmedia.com, 2012).
Reimbursement will be directly affected if providers are not prepared for the change. With this in mind, we've decided to present a complimentary webinar, to help educate the Orthopedic Industry.
Join HIS's Senior Director of Coding Compliance and Education, Lynn Anderanin, CPC, CPC-I, COSC, AHIMA ICD-10-CM Certified Trainer, for a review of the musculoskeletal section of ICD-10 to understand the differences in ICD-10 for Orthopedics, and the impact it has on documentation, coding, and your reimbursement.
You will also have the opportunity to ask Lynn questions, following the live webinar. She will be able to give advice unique to your situation.


text:
Our Executive Leadership
Our leadership team is comprised of individuals with significant experience in all facets of retail management. They are focused on driving profitable growth and continuous improvement to deliver even better values and shopping experiences for our customers, and better returns to our shareholders.
Rick Dreiling
Chairman & Chief Executive Officer
Rick joined Dollar Tree's Board of Directors as Executive Chairman in March 2022 and was additionally appointed to the role of Chief Executive Officer in January 2023. He currently serves on the Board of Directors of Kellogg Company (Audit Committee; Compensation and Talent Management Committee) and Lowe's Companies, Inc. (Lead Independent Director; Nominating and Governance Committee).
Previous Work Experience
2015 to 2016: Chairman of the Board of Directors, Dollar General Corporation
2008 to 2015: Chief Executive Officer and Chairman of the Board of Directors, Dollar General Corporation
2005 to 2008: President, Chief Executive Officer and Chairman of the Board of Directors, Duane Reade Holdings, Inc. and Duane Reade Inc.
2003 to 2005: Executive Vice President and Chief Operations Officer, Longs Drug Stores Corp.
2000 to 2003, Executive Vice President of Marketing, Safeway Inc.
1998 to 2000: President, Vons Co Inc.
Previous Board Experience
2015 to May 2022: Board of Directors, Pulte Group, (Nominating and Governance Committee, Chair; Compensation and Management Development Committee) (will not stand for re-election at the May 5, 2022 annual meeting)
2016 to April 2022: Board of Directors, Aramark (Compensation and Human Resources Committee; Nominating, Governance and Corporate Responsibility Committee)
Rick graduated with a B.A. from Rockhurst University.
Rick brings to our Board over 50 years of retail experience at all operating levels. He has strong business development expertise in expanding the footprint and offerings of several retailers. He also brings unique experience in the value retail sector gained from his role as the former Chairman and CEO of Dollar General Corporation.
Jeff joined Dollar Tree as Chief Financial Officer in October 2022. From 2006 to 2018, he served in a number of financial leadership roles, including Treasurer of Walmart Stores, Inc., Senior Vice President of Finance & Strategy and Chief Financial Officer for Walmart's U.S. Segment, Chief Financial Officer of J. C. Penney Company, Inc. and Chief Financial Officer of Darden Restaurants, Inc.
Jeff most recently served as Chief Financial Officer of Qurate Retail Group, Inc., a leading retailer and media conglomerate comprised of seven retail brands including QVC, HSN and Zulily, since October 2018. He holds a bachelor's degree in accounting from the Pennsylvania State University and a master's degree in business administration from the Joseph M. Katz Graduate School of Business at the University of Pittsburgh. Since 2019, Jeff has served as a director of Laboratory Corporation of America.
Jenn Hulett
Jenn has served as Chief Human Resources Officer of Dollar Tree since January 2022. She is responsible for all Human Resource departments for Dollar Tree, Family Dollar, and Dollar Tree Canada. Prior to joining Dollar Tree, Jenn was the Executive Vice President & Chief Human Resources Officer of Core-Mark. From 2015 to 2020, she was the Vice President of Ericsson North America Benefits, and Pension Advisory Committee Chairperson. From 2002 to 2015, Jenn served in multiple Human Resources leadership roles at General Electric, including Global Vice President of Human Resources.
Janet Dhillon
In November 2022, Janet Dhillon assumed the role of Chief Legal Officer for Dollar Tree. From 2004 to 2017, she served in a number of legal leadership roles, including Executive Vice President, General Counsel and Corporate Secretary of Burlington Stores, Inc., Executive Vice President, General Counsel and Corporate Secretary of JCPenney Company, Inc., and Senior Vice President, General Counsel and Chief Compliance Officer of US Airways Group, Inc. She began her legal career at the law firm of Skadden, Arps, Slate, Meagher & Flom LLP.
Janet most recently served as a Commissioner on the Equal Employment Opportunity Commission, as well its Chair from 2019 to 2021. She is a graduate of Occidental College and the UCLA School of Law. Janet is also a past Chair of the Retail Litigation Center.
Bobby Aflatooni
Bobby joined Dollar Tree as Chief Information Officer in July 2022. He most recently served as Executive Vice President, Chief Information Officer for The Howard Hughes Corporation, responsible for leading all information technology strategies and operations across the company's portfolio.
Prior to joining HHC in August 2018, Bobby held leadership positions at Dollar General, as Vice President of IT Operations, Architecture, Merchandising from March 2011 until April 2018, and as Senior Director IT Infrastructure and Architecture from January 2009 to March 2011. Bobby's professional career includes development and oversight of IT priorities for Yum! Brands, CapitalOne Auto Finance, LayerOne, Silverleaf Resorts and CapitalOne Services. He also served in the United States Marine Corps.
Jennifer Bohaty
Jennifer joined Dollar Tree as Chief Compliance Officer in November 2022. Prior to joining Dollar Tree, Jennifer was the Global Chief of Ethics and Compliance at LL Flooring. She has a wealth of retail experience, previously serving as Director of Global Product Safety Quality and Compliance with Toys 'R' Us and Senior Product Safety Manager at Target.
Jen has a bachelor's degree in Psychology from Saint Louis University and currently serves as a Board Member at Hunters Harvest, a non-profit that raises funds to donate meat to military, veteran, and first responder families.
Mike Creedon
Mike joined Dollar Tree as Chief Operating Officer in October 2022. He joined Advance Auto Parts in December 2013 and served as Executive Vice President, U.S. Stores since March 2021. Previously, Mike was President, U.S. Stores from 2020 to 2021, as well as Division President for the company's North Division, including Autopart International, from 2017 to 2020 and President, Autopart International, a wholly-owned subsidiary of Advance, from 2013 to 2017.
Prior to Advance Auto Parts, Mike served as Vice President and General Manager of Sensormatic, LLC – North America Sales and Operations from 2010 to 2013. Sensormatic is the retail security division of Tyco International (U.S.), Inc. Prior to his role with Sensormatic, he served in multiple leadership roles within Tyco International and ADT Security, another division of Tyco.
Neil Curran
President and Chief Operating Officer, Dollar Tree Canada
Neil has been the President and Chief Operating Office for Dollar Tree Canada since June 2017, and is responsible for merchandising, marketing, operations, and real estate. From July 2014 to May 2017, he served as the SVP of Merchandising and Operations for Dollar Tree Canada. Prior to joining Dollar Tree, Neil spent 26 years of his retail career in roles of increasing responsibility within merchandising, marketing, and store operations at Loblaw Companies and Sears Canada.
John Flanigan
Chief Supply Chain Officer
John has been the Chief Supply Chain Officer for Dollar Tree and Family Dollar since May 2022. He has over 25 years of management experience in retail logistics operating distribution centers in excess of 2 million square feet and multisite, enterprise-wide facilities. Prior to joining Dollar Tree and Family Dollar, John served as the Executive Vice President of Global Supply Chain for Dollar General from 2008 to 2016. From 2005 to 2008, John was the Group Vice President of logistics and distribution for Longs Drug Stores Corporation. From 2001 to 2005, he served as the Vice President of Logistics for Safeway Inc. Earlier in his career, he also held distribution and logistics leadership positions at Vons and Crum & Crum Enterprises. John earned a bachelor's degree from Washington State University and his master's degree from Indiana University.
Larry Gatta
Chief Merchandising Officer, Family Dollar
Larry has been the Chief Merchandising Officer for Family Dollar since May 2022 and has responsibility for leading the merchandising, marketing, and global sourcing functions for the Family Dollar business segment. Larry has over 35 years of retail merchandising and marketing experience and was named Mass Market Retailers' Front End Merchant of the Year for 2016. Prior to joining Family Dollar, he served at Dollar General as the Senior Vice President and General Merchandise Manager for Consumables from 2011 to 2020, and as the Vice President and Divisional Merchandise Manager from 2009 to 2011. Prior to his time at Dollar General, Larry was Senior Vice President and Chief Marketing Officer at Longs Drug Stores until being acquired by CVS. Additionally, he has held leadership roles at Rite Aid Corporation and Phar-Mor Corporation. Larry earned his bachelor's degree in Business Management from Youngstown State University.
Terry Goods
Chief Diversity Officer
Terence (Terry) Goods joined Dollar Tree as Chief Diversity Officer in November 2022. Prior to Dollar Tree, Terry served as Vice President of Diversity and Inclusion for Southern Glazer's Wine and Spirits, a $21 billion wine distributor in the U.S. His efforts landed the company on Forbes list of Best Employers for Diversity. He previously held leadership roles at Wells Fargo, Bank of America, and JCPenney.
Terry earned a bachelor's degree in Speech Communication from University of Nebraska-Lincoln. He currently serves as Adjunct Instructor at Southern Methodist University's (SMU) – Executive Extension Program.
Rick McNeely
Chief Merchandising Officer, Dollar Tree
Rick joined Dollar Tree in 2008 and currently serves as Chief Merchandising Officer for the Dollar Tree business segment. Prior to this, he served as Enterprise Chief Merchandising Officer for Dollar Tree and Family Dollar from December 2019 to April 2022. He previously served as Chief Merchandising Officer for Dollar Tree stores from May 2017 to December 2019 and as Senior Vice President of Merchandising for Dollar Tree Stores from April 2008 to May 2017. Prior to joining Dollar Tree, Rick spent the first 28 years of his professional career in roles of increasing responsibility within merchandising, marketing, global sourcing, and store operations with several retail companies, including Dollar General, Rose's Stores, and Fred's Inc.
Jennifer Silberman
Jennifer joined Dollar Tree as Chief Sustainability Officer in October 2022. Prior to Dollar Tree, Jennifer served in leadership roles at YETI, Hilton, and Target. Additionally, she has held corporate responsibility executive and consultant roles with APCO Worldwide working with Fortune 100 companies, NGOs, corporate and private foundations, government, and trade associations.
Jennifer earned a bachelor's degree in Latin American Studies from Mount Holyoke College and a master's degree in International Economics and Latin American Studies from The John Hopkins University Paul H. Nitze School of Advanced International Studies (SAIS). She serves as board chair for GOOD Institute and is a board member of Keep America Beautiful.
Kristin Tetreault
Kristin joined Dollar Tree in September 2022 as Chief Communications Officer. Prior to Dollar Tree, she was the VP of Internal & Executive Communications for Stanley Black & Decker from 2017-2022. Throughout her career, Kristin held leadership and senior corporate communication roles at The Hartford Financial Services, CRA, BlackRock, Diageo, Frontier Communications, UnitedHealth Group, Clayton Holdings, and Texas Instruments.
Kristin holds a bachelor's degree in Journalism from the University of North Texas and a master's degree in Organizational Development & Change Management from University of Texas at Dallas.
Emily Turner
Emily currently serves as Chief Marketing Officer. She joined the company in July 2022 as VP of Marketing for Family Dollar. She has more than 15 years in strategy and execution of customer data-driven marketing solutions. Prior to Dollar Tree, she served as SVP of Customer Engagement and Media, Americas, for dunnhumby, a global customer data science company. She spent more than 10 years at dunnhumby in progressive leadership roles in the United States, Africa, Thailand, and the UK. Emily also worked at Emmi UK and Mars Chocolate in category management and customer marketing roles.
Emily earned her bachelor's degree in Visual Culture from Brighton University in the UK.
Pedro Voyer
Chief Development Officer
In October 2022, Pedro Voyer assumed the role of Chief Development Officer. Prior to Dollar Tree, Pedro held several leadership positions within JAB Holding Company as Senior Vice President and General Manager International for Panera and Senior Vice President Chief Operating Officer for JAB-owned Caribou Coffee and Einstein's Bagel Brands. He has also served as Chief Development Officer Americas for Burger King Corporation and held a variety of operational and development roles at Starbucks.
Pedro holds a degree in Mechanical Engineering from Universidad Simon Bolivar in Venezuela and an MSC/MBA from the Tokyo Institute of Technology/MIT.


Nextworks has participated to the 2017 edition of the ETSI IoT Week, an extension of the successful ETSI M2M Workshop series, which has become a key event for anyone involved in the development of IoT solutions.
Organized with a dense agenda including an oneM2M Developers' Tutorial, an ETSI IoT Workshop, and multiple oneM2M Showcases, the event has grouped together worldwide experts in IoT standards management, technology roadmap & planning/development, as well as IoT users and followers.
Mr. Gianluca Insolvibile, managing director at Nextworks and principal investigator in symbIoTe, has presented the symbIoTe approach to IoT platform interoperability at the ETSI IoT Workshop, during a session focused on IoT System Interoperability which grouped representatives from OneM2M, TIM, Deutsche Telekom and University of Brussels.
Insolvibile's talk entitled "Platform interoperability from the Smart Space to the Cloud" has been centered on how the symbiosis of smart objects across different IoT platforms has been designed in symbIoTe, and has covered aspects of semantic search, resource Information modeling, platform federation, bartering and trading of resources between platforms, interaction of devices in smart spaces, resource migration and roaming of IoT devices.
Lively discussions with the large audience followed the presentation, opening up opportunities for future collaborations for our project on IoT interoperability and its related research and standardization initiatives.
More information is available about this event online at: http://etsi.org/etsi-iot-week-2017.
More information on symbIoTe prioject are available at: http://www.nextworks.it/en/research/projects/symbiote.


Disruptive financial technology was the topic for the "Future of Wall Street"event at the Milken Institute Global Conference. The panel was moderated by Robert Shafir, head of private banking and wealth management and CEO of the Americas region at Credit Suisse.
Richard Daly, president and CEO of Broadridge Financial Solutions, spoke on the gap between federal regulatory goals and actual implementation. Daly expressed concern that technology is rarely considered in the regulatory process. Technology adopted and used throughout the financial services industry will provide a better picture of the overall risk and will allow the industry to analyze mass amounts of data to anticipate and protect against potential risks to the system.
On the cybersecurity front, Ruth Porat, executive vice president and chief financial officer at Morgan Stanley, said businesses must come together to address the threat of spies, thieves and hackers as it poses a "broad problem" to such an interconnected industry. Smaller entities could be more at risk than larger financial institutions that are able to allocate substantial resources to safeguarding their own networks. The problem, as Porat explained, is that attacks could come from anywhere, and weak links in the system could still pose a threat to larger institutions, no matter how secure.
Pressed on what he would have done differently in crafting the act, the former senator said he would have consolidated the Commodity Futures Trading Commission and the Securities and Exchange Commission, in addition to addressing housing finance reform and bankruptcy laws.
Porat pointed out the importance of the central clearing provisions for financial derivatives under Dodd-Frank, though expressing concern that more risk is moving to clearinghouses, some of which have governance and risk issues themselves. Three other areas of concern listed by Porat were products moving to the shadow-banking sector, the dramatic growth of student lending, and Fannie Mae and Freddie Mac.
Diamond said European banks "haven't shown much" in increasing capital reserves and deleveraging. It could take a number of years to restructure European Union banks before "we see them in the same position as U.S. banks," he said.
On the evolution of the finance industry, Tom Milroy, CEO of BMO Capital Markets, said the sector "will change moderately" as firms will adopt differentiating business models in response to financial regulation. Banks will focus more on reducing costs and determining where to allocate capital given the current environment. Banks need to ensure they're compliant with the letter and spirit of the regulations, he said, to prevent damage to the reputation of the bank and the industry as a whole, he said.