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9 Vibrator Sex Toy
Lovense is a Singapore-based company in sex technology that produces remote-controlled sex toys as well as accompanying software. The company's mission is improving the way that people feel pleasure. The company's products are created for both men and women. The remote-controlled toys are available with a variety of features, including:
Lovense toys for sex are sophisticated and engaging. Thanks to their unique syncing capabilities, these devices can mimic your partner's movements, even if you're hundreds of miles away. The app allows you to synchronise your toys with your music library, so you can make your own rhythm and patterns.
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The Lovense Lush 3 sex toy is lightweight and compact, measuring around three inches long. It has an insertable bulbous portion that provides an intense stimulation. The tail part is textured and comes with an ordinary c-shape that allows you to feel more vibrations than other products.
If you are looking for an interactive sex toy with remote control that is as enjoyable as it is easy to use, the Lovense Lush 3 is an ideal choice. It has an app you can download to your smartphone or tablet to operate it remotely. You can also select the level of intensity and mode you want, with the added benefit of a video-call feature that allows your partner to see your actions.
The Lovense Lush 3 is more durable that its predecessor. Its sturdy, flared bottom stops the toy from sliding through your sphincter , and eventually into your penis. This toy is great for penis shaft or ball stimulation. The best method to purchase an Lovense product is to go to the official website. You can also look out for sales they run on occasion, depending on where you live. There are times when you can get discounts of up to 50% off these toys.
The Lovense Lush 3 is made of silicone and is safe for use on the body. It is waterproof to IPX7 rating, which means that it is able to remain submerged for up to 30 minutes. It is also easy to clean.
The Lovense Max 2 is a simple device that can be used to encourage sexual activity. It's packaged in a basic box, and comes with the sex toys, a USB charging cable and an instruction manual for the user. It's not expensive , either. The one drawback is that it doesn't come with any additional accessories, like cleaners or lubricants. Lovense could include these items to future versions.
Max 2 Max 2 can be controlled remotely with an app called the Lovense Remote app. The app lets you customize the vibration levels and patterns for the device. You can also connect it to a partner's device via Bluetooth. This allows you to have a realistic experience of cybersex from a distance away. Lovense also has a variety of other products.
The Lovense Max 2 has seven vibration modes that range from basic to intense. You can choose which mode works best for your partner. You can even customize the frequency of the vibrations so that they are more intense or less so.
The Lovense Gush is a portable, hands-free, vibrating sextoy that provides a comfortable, all-over stimulation. Its size can be adjusted and has ridged sides that provide optimal stimulation. The device is connected via Bluetooth and it's Lovense Remote app. This app allows you to alter the Gush's patterns and control it via your smartphone.
The Lovense Gush is designed to provide gentle vibrations that create a pleasant buzzing sensation. It also features built-in recognition of music for Spotify playlists. It takes about 65 minutes to charge and provides 1.5 to 2 hours of battery time. The device also requires a water-based lube and pairing using the Lovense app.
Lovense Gush is easy to use and is suitable in both solo and penetrative sex. It provides an unrestricted stimulation that allows you can focus on the needs of your partner. It increases the sensations and creates larger orgasms.
Ferri Lovense is an application for smartphones that allows you to make connections with other users through the app. Its features include video and voice calls. You can send messages and vibration patterns. It can also be used to make and transmit voice memos. This application can be used by both anonymous users and camera performers.
Ferri uses Bluetooth 4.0 and is compatible with Mac and Windows PCs. It lets you manage your device using an app or your partner's phone. The app lets you alter the sound and the pattern for the ideal atmosphere. There are four pre-set sounds to select from. You can also alter the frequency and speed.
The Ferri Lovense is able to be charged using USB or power adapter. Its charging time is of 60 minutes or about two hours, based on the usage. It has the magnetic cap, as well as the body is sculpted. The device also has a rounded top that targets external pleasure points.
You can use Hush to spice up your love life. It's a clever design and is simple to take off when you're done. It's quite noisy though, especially when turned up to the highest setting. If you plan to utilize Hush in public, you should only do it when you're in a quiet space.
To use Hush for the first time, you'll need to sign up with the app. After that, you'll be able to locate your friend and pair your devices. Then you'll be able manage your partner's toys remotely. You can even send your partner vibration patterns in real time. You'll be able to control Hush the same way as you do with Bluetooth with loop and float functions. The app also allows you to communicate via video with your partner while controlling Hush.
Hush plug Hush plug is made of silicone and is water-resistant. It can be cleaned using an ordinary soap or toy cleaner. It is important to select a cleaner that is fragrance-free and antibacterial. After cleaning, Hush should be dried thoroughly.
Lovense has released a upgraded version of its Edge face-stimulation device called the Edge 2. Edge 2. Edge 2 has a number of improvements over its predecessor that include a magnetic charging port that allows for easier use. It also comes with an improved antenna layout and design to ensure more secure connections. The Edge has a brand new design. Edge comes with a larger bulb that is located just above the neck, which provides increased stability and P-Spot stimulation and an updated battery, which will last longer than the previous model.
Lovense Edge 2 can be operated by an app that is installed on your mobile phone. The app lets you connect vibration patterns to sounds or music on your phone, and even wake up using a vibration alarm. The app also lets you manage your Edge 2 from a distance. There are two apps for controlling it, so you can choose which one works best for you.
Edge 2 Edge 2 comes with four different patterns of vibration, and each one has its individual intensity levels. To choose the most appropriate one, hold the power button for 3 to 5 minutes. The Edge 2 will then briefly buzz. The level of intensity can be altered using 4 intensity levels, and the device has four pre-programmed designs to select from: pulse, wave, fireworks, and earthquake. The app also lets users change the patterns and intensities.
It is Nora Lovense is a sexual toy that comes with a range of features. It is made from medical-grade silicone which is non-allergenic and safe for your body. It includes a handle made of medical-grade ABS plastic. The handle is ergonomic and easy to grip. And unlike many like-minded products Nora could be easily cleaned by using just mild soap and water.
Nora is equipped with a rotating head that gently caresses your g-spot , while transmitting the vibrations from the clitoral motor. You can control how intense the massage is by altering the settings, which include the vibration intensity and rotation speed. Nora also comes with a companion app that allows users to control remotely Nora. By using this app, it is possible to can also transfer the control to your partner through Bluetooth and Wifi.
Nora comes with the USB rechargeable battery that will last up to 4 hours of continuous use and up to five days of standby time. It is constructed of ABS plastic and body-safe silicone and is protected by a 1-year warranty.
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Jumps off the Page
Comment, views & reflections on the world of Jump Racing. Written by a man with a smart hat & a bookie's biro.
The End of the Corinthian
Victoria Pendleton makes her Pointing debut at Black Forest Lodge in November 2015, with Betfair branding on display.
One of the stories doing the rounds last week concerned Cheltenham's decision to require amateur Festival riders to hold a category B permit. To obtain this permit a jockey must have completed 15 rides under rules, a majority being over obstacles or 20 in point-to-point, or a combination of the two. The change will bring amateur jockeys in line with those who negotiate the Grand National fences at Aintree.
Inevitably the angle taken by the press was that this would have ruled out Victoria Pendleton from having competed in the 2016 Foxhunters' Chase.
The sometimes insular culture of jump racing appeared generally to embrace Pendleton, perhaps valuing the positive publicity she brought to the sport, although tempered with some wise words regarding safety.
I had mixed views. There is no doubt she is an incredibly gifted and dedicated sportswoman. It was also obvious she has a passion for horses and started at grass roots level- I witnessed her debut at Black Forrest point-to-point on a cold November Sunday. As wonderful a setting as it is , somewhat unusually occupied by press on that day who probably struggled to find the venue, it can't be described as being at the glamour end of the market. However, I can't help but feel that there were some who have been reared in the world of horses from Pony Clubs through to points and Rules, who might with some justification, have been a little resentful. Whilst such jockeys do this, because it is in their DNA, they would not have had the facilities, investment or rides so readily available to Pendleton. Nor would they have the publicity or financial reward for their years of relentless hard and dangerous work.
Lawney Hill who mentored Pendelton and has not opposed the rule change, told the Racing Post that while "We have to move with the times.. we will lose the true Corinthians". I would struggle to put Pendleton in this bracket. It was rumoured she was paid at least £200,000 by Betfair for a year's work and doubtless received substantial sums for associated media work and from advertising.
For me this story was not about Victoria Pendleton. Her entry into the sport was a one off and Befair have moved on, now trying to reinvent Rio Ferdinand as a boxer. The consequences are most likely to be felt by those who are experienced riders, but devote most of their time to training. Callum Miller who rode in this year's Foxhunters' and is employed as a pupil-assistant in a point-to-point yard, said that to get the licence would mean having to take five days off work and "I've been riding all my life…Victoria Pendleton was completely different. She'd been riding for only a year".
It is hard not to feel some sympathy with Miller's position, but the move has largely been viewed as inevitable and necessary. I tend to agree.
Posted on 31 Oct 2017 by jumpsoffthepageblogLeave a comment
Crown Court News
Although not jump racing related, my attention was drawn to proceedings in the Gloucester Crown Court where a defendant has pleaded not guilty to a charge of criminal damage. The allegation is that he caused £20,000 worth of damage to fixed odds betting terminals (FOBT), after having lost over £1,000 on a machine in 20 minutes. His defence is automatism, which in simple terms is the lack of voluntary action, caused he would say by the trance like state the machines are designed to induce. A second defendant who had previously pleaded not guilty, indicated he wished to change his plea.
His Honour Judge Tabour QC adjourned the case for a pre-trial review in December and made it clear the defence would get no where without an expert's report. The case is even more newsworthy, because the defendants say they were invited into the shop in spite of having filled in self exclusion forms.
As someone who makes a living from representing those accused of criminal offences, in over 20 years as a solicitor I have never had a client seek to rely on automatism, although I have a vague memory of covering it in a lecture as an undergraduate. I don't know enough about the case to comment and I am a believer in leaving justice to run its course. However, it does seem to me that whatever the outcome anything that publicises the issues regarding FOBT's has to be positive. As Judge Tabour QC also commented at the recent hearing: 'I imagine Ladbrokes are extremely worried'.
The Cheltenham Showcase
Bryony Frost helps save the day
I recently followed a fiercely contested social media argument on the question of- When does the jump season start? One pedant rightly identified April 30th, the day after the 2016/17 season ended, but that really wasn't entering into the spirit of the debate. Such as there was, the consensus pointed to Cheltenham's opening two days- The Showcase. That was certainly how it felt when I returned to Prestbury Park on Friday. Gone were the shorts and football shirt uniform of the summer spectators; replaced by tweed in various forms of flamboyance. And I felt slightly more at one with the world again.
The issue of whether the sport is too Cheltenham centric is is too great to do justice in this post, but there is no denying it is both the physical home and spiritual centre of jump racing. Perhaps even more importantly, it does what it does extremely well.
One of the great pleasures of attending the non festival events is that whilst there is never any shortage of numbers – over 12,000 attended on Friday and 18,000 on Saturday- you can explore corners of the course you wouldn't know existed if you only visited during the Festival Circus and there are more places to watch from than there are races.
The meeting began with a short field novices' hurdle. Largely on the back of the Skelton brothers' summer successes, I backed Blairs Cove. The favourite Brillare Moment won. Having recently posted about the lack of entertainment provided by novice chases, the opening day had two competitive races. All eyes were on Sceau Royal in the 2.35. North Hill Harvey won for the Skelton duo. If only I'd stuck to the rationale for my punt in the opening race – I backed Movewiththetimes, heavily influenced by the belief that Barry Geraghty wouldn't come for a single ride without a good chance of victory.
It is, of course, pretty basic stuff that you don't attempt to recoup your losses in a tricky handicap with a field of 21. However, I couldn't resist an each way on bottom weight Trans Express, who I'd seen win at Exeter recently and out of loyalty to Devon trainers. I missed out by a place, but I couldn't resent trainer, Tim Vaughan, his first Cheltenham victory after 151 previous attempts.
The second novices chase was an intriguing affair and a case could be made for any of the 6 runners. On the basis that Black Corton is a proper stayer, with good recent form and Bryony Frost loves Cheltenham, this is where my investment rested. The favourite, Fagan, began to fade before the second to last (summing up Gordon Elliott's day, having brought over 5 without success) leaving a straight fight between Sizing Tennessee and Black Corton. In all honesty I suspect the former would have won if he hadn't fallen, but thank you Bryony Frost, my day had suddenly got a lot better.
Not willing to risk my modest profit on a amateur riders' handicap chase, I was happy to to passively watch a race run at furious pace and Derek O'Connor to win by a convincing 9 lengths on What Happens Now.
Back to basic principles for the maiden hurdle and each way on the Skelton duo's Gortroe Joe. The favourite, Slate House, won- I guess if you pay £260,000 for a horse on the back of one point to point win, you're entitled to a little return on your investment- but I was content to collect on 3rd place.
Now with enough profit to justify a curry and small glass of wine when I returned to Bristol for the night, I stayed clear of the conditional jockeys' handicap hurdle. The race was a story of a loose horse and how it influenced the outcome. Man Of Plenty looked like he would catch Bobble Emerald approaching the finish, when Harry Stock was forced to take evasive action to avoid the riderless horse. The argument goes he could have chosen the inside. Instead he went to the right, squeezing out Sean Houlihan who I thought was overly generous swapping his whip from one hand to the other and accommodating Bobble Emerald's passage. After what seemed like an unnecessarily long look by the stewards, the standings were unaltered and a 33/1 winner was returned. The relief of the owners in the parade ring was both visible and audible.
I enjoyed Saturday less. Too many impossibly fathomable handicaps and I couldn't couldn't back a winner for love nor money. I was even out of the placepot after the second race, when the one banker I'd selected – The Skeltons' Bedrock – let me down. My two other fancies of the day were Harry Fry's Whataknight in the Pertemps and Alcala-who I still think would have got the better of Finian's Oscar, but for freakish slip at Chepstow. Confident in the belief that even if the former didn't perform for me, I could put everything on the latter in the novices' chase and go home happy. By 4.30pm I was in the queue for the cashpoint machine. I was still restrained enough not to bet on the novices' hurdle, but I would swear an oath and say if I had, I would have backed Callett Mad. Obviously he won, completing an impressive treble for Nigel Twiston- Davies, although the only one without his son on board who rode Dashing Perk.
It would have been wrong not have a punt on the final race, although I can't ever remember winning on a bumper and have no idea how to read them. My £5 each way on the 25/1 Mighty Thunder seemed like a good idea at the time. He came 6th, with victory going to impressive looking Herecomestheboom.
Saturday night in Bristol was slightly more impoverished than Friday. I had to settle for staying in my hotel room with a bargain basement bottle of prosecco from Tesco and a large packet of Tortilla chips.
It would be wrong not to acknowledge Aidan O'Brien's world record breaking 26th Group 1 flat victory. Even the big screen at Cheltenham yesterday switched to Doncaster to show Saxon Warrior win.
Posted on 29 Oct 2017 21 Dec 2017 by jumpsoffthepageblogLeave a comment
Novice Chases – Unresolved Issues
Yanworth- Flying over the fences at Exeter yesterday
We've now seen three of last year's star hurdlers make their debut over fences and all have come through successfully. Death Duty has won both a beginners' and novice chase, while Finian's Oscar never looked to be threatened following the slip from Alcala at Chepstow. This culminated yesterday in Yanworth's victory at Exeter, where JP McManus literally made a flying visit. For what it's worth I thought Yanworth was the most impressive of the three. Whist approaching the first few fences with a degree of caution, once he got the hang of it looked like a natural and had plenty left in the tank at the end.
So what have we learned? Well in truth probably not a lot, save that the issues the BHA announced it had addressed back in August have yet to be resolved. In a division dominated by small fields with short priced favourites, the problem was perceived to be that any horse finishing close to a highly-rated winner was then getting hammered in the weights. This provided little incentive to enter and a culture of sitting tight to preserve a suitable mark, once it had been attained. The handicapper, of course, refuted the allegation. In response to this the BHA announced a number of changes. The most notable of these was prohibiting a handicap rating increase in weight-for-age novice chases of Class 2 and below.
Whilst some trainers did not consider this the answer – Donald McCain pointed to a lack of mid tier novice handicap races – the BHA changes largely found favour, with notably both Nicky Henderson and Paul Nicholls speaking in support.
These changes were cited as coming into effect from October 1st and the evidence so far is that little appears to have changed either side of the Irish sea. Death Duty set off in his beginners' chase at Tipperary at 1/5 and followed this in a novices' at the slightly more appealing 4/9 in a field of five, with his nearest rival starting at 7/1. Finian's Oscar was 1/3 at Chepstow in a four horse race, in which his only realistic rival failed to finish. My view of the 2/7 Yanworth yesterday is that he was never troubled and although six started, to call it even a two-horse race in reality is being generous.
When I was at the Season's Opener at Exeter recently, by far the most sparse line up was in the beginners' chase (there was no novice chase), where although competitively raced between the top two in the market, could only attract four runners. By contrast the meeting began with the novices' hurdle, with an extra race added to the card to accommodate the numbers.
The BHA are to be commended for recognising the problem and seeking to do something about it. There was also no shortage of expertise on their working group which included Philip Hobbs, Emma Lavelle, Dan Skelton and Nick Alexander. However, the jury is still out on whether the solution has been correctly identified and in the meantime watching the newbie chasers at a meeting will often remain the least entertaining event of the day.
My condolences to the Gittins Family and all those connected with Fayonagh
Trainers' Championship
Paul Nicholls- Playing down his chances
Along with Zac Baker, another man entitled to emerge from the weekend with a smile on his face is ten times Champion Trainer, Paul Nicholls. Having taken six horses to Kempton on Sunday, he came away with four winners two of which were in listed races, and two places. Given this you would think back on Manor Farm hopes for the season were high. However, Nicholls is playing down his chances of regaining the Trainers' Championship wrested from him by Nicky Henderson back in April. "Being champion trainer again is going to be very hard, if not impossible this season because we have so many youngsters" was the recent statement; whilst emphasising this isn't something he is stressing about and the pleasure he gets from training the next generation of potential stars.
The affable Somerset trainer currently sits second in the Championship table, with 42 wins and 58 places from 123 starts, and prize money nudging towards the half a million mark. By contrast Nicky Henderson is back in twelfth place, with a modest £180,000 in prize money, but only 82 runs. It is, of course, all fairly meaningless at this stage. Dan Skelton who has no realistic aspiration of taking the title is currently top with prize money of just over half a million pounds – it is credit to Skelton how hard he has worked the summer circuit, with no other trainer I can find getting close to his 319 runs. In a championship in which cash is king, it's the glut of Grade 1 races at the business end of the season that count, and save for last season's star hurdlers who are taking their first tentative jumps over fences, most of the big names are still enjoying an extended summer recess.
It's easy to see why Nicholls might be downbeat about his chances after having only one winner at the Cheltenham Festival and none subsequently at Aintree last season. However , there is no doubt his stable is in form and in spite of his claiming lack of Grade 1 firepower there a number of class horses. I do also suspect a bit of kidology at play, perhaps taught by his good friend Sir Alex Ferguson. Wind the clock back to 2012/13 and the first time he lost the championship to Henderson. Early in the season when Henderson went out to defend his title, Nicholls was quoted as saying: "I can honestly say we have no chance of winning it this season . Realistically the prospects of another championship in the next couple of years are unlikely". Not only did he regain the championship , but held onto it until last season.
This year's contest is looking like another two horse race- their nearest rival Colin Tizzard currently trading at 7/1- and with Henderson 15/8 on and Nicholls 2/1, history tells us the smart money might be on the latter.
Posted on 24 Oct 2017 24 Oct 2017 by jumpsoffthepageblogLeave a comment
What now for The New One?
A happy day for Zac Baker
With all the agonising and anticipation leading up to the Cheltenham Festival, there's something about a horse that you pin your hopes on, who then doesn't perform on the day – It takes a while to rebuild the relationship. And so it is with The New One who I'd backed in this year's Champion Hurdle and probably looked for every reason not to support him at Ffos Las yesterday.
Whilst some of the top jockeys chose Stratford in preference to South Wales, perhaps attracted by more rides, this handed the opportunity to amateur jockey Zac Baker in what was undoubtedly the top race of he day – The Welsh Champion Hurdle. For only the second time in his career The New One was ridden without Sam Twiston-Davies on board and fair play Mr Baker, you grabbed your chance.
Clyne quite properly went off favourite – A horse that loves the course almost as much as he would have relished the going, officially described as soft/ heavy in places, but with persistent rain and the survival of an early inspection I suspect veering towards the latter. Whilst The New One had beaten Clyne back in January, that was only by a length and with an extra 4lbs. Yesterday with a new jockey and Clyne's 13lb advantage, it was no surprise punters had written a different script. For what it's worth I backed another course and distance winner, who I thought would appreciate the going, Rons Dream. Whilst her success all seems like a long time ago, in a six horse race to be run in the lashing rain, I figured anything could happen and was drawn in by the attractive odds. As it turned out she faded quickly when it mattered and finished fourth out of five, with Remiluc having unseated Harry Reed.
The vastly experienced Sire De Grugy has run in some illustrious company over the years, but after a long lay off and now 11 years old, expectations weren't high. He came a respectable third. However, in reality this was only ever going to be a contest between Clyne and The New One. Leading from the front, he didn't always make life easy for Zac Baker. With a tendency to hang to the right and not always jumping cleanly – he absolutely clattered the final hurdle- there were times when Clyne looked as if he would finish the better. I wouldn't take anything away from Zac Baker, who was made to work hard to secure the victory, but as yer man in Corals said to me before the start: "You can't argue with class".
Apart from imminent runs at Cheltenham or Aintree, Nigel Twiston-Davies is giving little away about his season's plans for The New One. Should he end up at the Festival again in March, memories of last year's disappointment might just have disappeared sufficiently for me to be tempted to back him again.
Hopefully you've worked out this blog is about jump racing, because if not I've fallen at the first hurdle. But beyond that, I'll try and give you an idea of what to expect. Firstly, I'm not a tipping service and given my record, you wouldn't want me to be. I won't drown you with endless data or statistics and I don't work within the industry so can provide no inside information.
What I do have is an enthusiasm for the sport, a little of which I hope to capture, and a fascination with its characters. Whilst I will offer comment and opinion on individual races, meetings and horses, I am equally interested in the context within which jump racing operates and its governance. Recently, to mention just a few, we've had the question of recruiting and retaining employees at stables, payment of jockeys for withdrawn horses and to what extent the government will regulate High Street bookies. Add to that the Davy Russell incident with Kings Dolly, there is no shortage of topics to cover. Each of these issues directly affect those who rely on the sport for their livelihood, as well as framing public perception and ultimately the success and sustainability of the industry is dependant on how they are addressed. If I am able to offer a little intelligent comment on these debates, I will have succeeded. However, most importantly I hope that what I write will interest you and provoke some thought, regardless of whether you agree with me or not.
Finally I want to express my appreciation to all the participants, who enable beautiful horses to run in this incredibly exciting and absorbing sport. Jump racing relies on each group of these participants equally; from punters to bookies, owners and trainers, the dedicated staff who are the lifeblood of the stables and those who work at the Racecourse. But most of all to the jockeys, whose bravery never ceases to astonish me.
Posted on 22 Oct 2017 by jumpsoffthepageblog1 Comment
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Source: (1996) Minneapolis, MN: Victim Offender Mediation Association.
Herrman observes that victim-offender mediation or victim-offender reconciliation programs currently exist in a diverse and changing field. Nevertheless, she identifies a number of priorities that such programs should pursue. However, programs are not living up to their potential all too often. Hence, Herrman discusses obstacles faced by mediation or dispute resolution programs. She also proposes key values that program models should have in common despite the variety of programs developed for mediation, reconciliation, and conflict resolution.


Pre-heat the oven to gas 4, 180ºC, fan 160ºC. Spread the nuts onto a baking sheet and roast for 10 minutes or until lightly golden. Remove from the heat and leave to cool.
Heat the oil and butter in a large saucepan, add the onion, celery, carrot and fry for 3-4 minutes or until softened. Add the garlic and spices and fry for another minute. Add the mushrooms and fry again for 4 minutes or until golden and then tip into a large bowl.
Grease a 750g (1 1/2lb) loaf tin then line with foil, and grease this generously.
Roughly chop the cooled nuts and add them to the bowl along with the cranberries, chopped chestnuts, breadcrumbs, quinoa and parsley. Season and stir together well. Add the eggs and mix again. Spoon the mixture into the tin and press down so the top is flat.
Cover tightly with lightly buttered foil and bake for 45 minutes.
Meanwhile, heat the olive oil in a large saucepan, add the onion, season and fry over a medium heat for 3-4 minutes or until softened. Add the garlic and chilli and fry for another minute. Add the tomatoes and bay leaves, turn down the heat and simmer for 10-15 minutes or until thickened. Remove the bay leaves and blend until smooth.
Remove the foil from the top, tip out onto a serving plate, carefully peel off the foil, cut into wedges and serve with the hot tomato sauce.
The spicy sauce is suitable to make ahead of time and freeze. Make according to the recipe, then leave to cool at room temperature. Freeze in a rigid container, leaving a bit of space for expansion, for up to 1-3 months. To reheat, defrost in the fridge overnight, place in a saucepan and heat until bubbling before serving.


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January 6, 2016 November 6, 2018 - by admin - 4 Comments.
As I said in My Full Review on MPA that I would share my Updates and Progress with My Paying Ads everyday or every alternate day, here's my seventh update.
3 Conclusion: This is my latest update. You may also see my previous update here.
Note: As Paypal review is going on since the day before Christmas and the review is not yet over (expected to be over within two weeks (Updated on 12th January, 2016)) no funds have been added to the system by any member. That's the reason the earnings becomes slow for the last one week. It's expected that as soon as the paypal review is done, things will be normal and the earning process will take it's normal pace.
Today is my 26th day with MPA. I joined My Paying Ads on 12th December, 2015 by purchasing 30 shares with $30 in Level 1.
From the below screen shot of my account dashboard you can see, on the 26th day my Share Earning is $71.05 and my Active number of shares is 203. I'm on Level 2 now.
Conclusion: This is my latest update. You may also see my previous update here.
Note: Read my Full (Honest) Review on MPA.
If you have any query or if you need any help, please message me on Facebook or Feel free to comment below. I'll try to reply back as early as possible.
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on this topic with interesting and solid content.
It's too early to come to a conclusion right now until a final version of the review comes out. Uday is trying to the best of his sincerity and honesty to solve the matter. Everyone in the Group are demanding to abandon Paypal and go for other payment processors. But it should be kept in mind that it's not that easy to abandon paypal all of a sudden. 90%-95% of the funds are with paypal now. If these funds get frozen, it'll be almost impossible for the entire business to sustain. Yes it's frustrating that members are not earning what they were earning before and the earnings are very slow due to the fact that funds are not coming into the system. But what Uday is doing is for the long term benefits of the company and for the members. So what the members really need to do now is to keep a little more patience and hope for the best.
Is Wazirx Exchange NOT SAFE? – Wazirx P2P Exchange Review!
Can a Small Donation of $30 Earn You a Profit of $43,000?… YES or NO? Look Inside!


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Kenwood KSC-35SK is the standard fast charger packaged with the above current two way radios. This dual chemistry Kenwood radio charger is available for the Kenwood KNB-29M NiMH battery.
Kenwood KSC-43K dual chemistry fast chargers are available for the Kenwood KNB-29M NiMH battery.


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Arona and the UFC: "I hope I won't have to fight Minotouro"
Arona in the fight against Marvin Eastman where he injured his knee. Photo: Carlos Ozorio
After going two years without stepping into the ring, Ricardo Arona returned to action at Bitetti Combat 4, at Rio de Janeiro's Maracanazinho gymnasium in September of 2009. However, during the fight with Marvin Eastman, the Jiu-Jitsu black belt ended up hurting his knee and had to undergo surgery. During a physiotherapy session, Arona spoke with GRACIEMAG.com. Besides addressing his recovery, he spoke of his chances of fighting in the Ultimate Fighting Championship.
How are talks between you and the UFC going?
What happened was that an opportunity arose and, when I return to fighting at the end of the year, after my knee recovers, I may fight in the UFC. But that's just a possibility, an opportunity that came up and nothing concrete has happened yet.
Is this your greatest wish? Are you working towards that?
My objective is to fight in the UFC. I spoke with some agents, people I'm in contact with, and this opportunity may come about at the end of the year. For now nothing is set in stone. It's just something that has been talked about that could be made viable. An opportunity.
Rogerio Minotouro is a friend of yours and fights in the same division you would be in (light heavyweight), should you sign with the UFC. Would that be a hindrance?
Rogerio has been in the same division with me before, at Pride, and we almost faced off in the GP. Ideally we would not face each other, have a fight between two friends who train together. Nobody wants to see that, not me. But, if all goes well, my plan for the end of the year is to be in the UFC and not face Rogerio. He's my friend and, against him, I certainly would not like to fight.
Arona in a demonstration with Minotouro at the Brazilian Federal Police. They would not face each other in the UFC. Photo: Carlos Ozorio
They say the light heavyweight is the most tightly disputed division in the world, mainly in the UFC. Would winning it be the same as being the best in the world?
These days it's really hard to tell who the best in the world is, if just because the best doesn't always win. It's really hard to say who the best in the world is and to maintain the post. Lyoto Machida is the champion of the division, but another fighter could show up, even another Brazilian, and beat him. There's no saying the champion of one division is the best. He could very well be at that moment.
During all this time you've been away from the ring, just observing, what has changed in MMA?
In my opinion, seeing it from the outside, the sport has grown a lot throughout the planet. Las Vegas injected power into the event (UFC), which took on greater dimensions. The sport took over the world and today is much more professional. There's also improvement in the athletes, the technical level of them. These days fighters train better. But I feel the best part is that the 10-minute round from the days of Pride no longer exists. It was really hard to get through that round and perform well thereafter. With three five-minute rounds athletes can let their games flow more. This way the fight is more exciting.
So, when should you really be back fighting again?
My knee is getting a lot better. My plan is to return in October, God willing, in the UFC. But, as I said, nothing is for sure yet. There was just a conversation that made me very hopeful.
Ricardo Arona
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Louisville citizens discuss difficult topic of racism
Caray Grace
CARAY: THE FIRST STEP TO FIXING A PROBLEM IS ACKNOWLEDGING THAT THERE IS ONE SO WE SET OUT TO , TALK TO PEOPLE ABOUT SOMETHING THAT CAN BE DIFFICULT TO TALK ABOUT AND THAT IS RACISM. WHY DO YOU THINK WE STILL BATTLE WITH RACISM IN 2019, AND WHAT CAN WE DO, NOT COLLECTIVELY BUT INDIVIDUALLY TO AND IT? WHAT STRIDE CAN YOU MAKE AND YOU MAKE AND YOU MAKE TO THINGS BETTER FOR EVERYBODY AND CREATE MORE EQUALITY? THE SAYING GOES,IF YOU'RE NOT PART OF THE SOLUTION,YOU'RE PART OF THE PROBLEM. DO YOU BELIEVE RACISM STILL EXISTS IN 2019? >> ABSOLUTELY, I THINK THERE'S STILL BIAS BASED ON RACE. LET'S SAY YOU'RE WALKING DOWN IN THE WEST END AND YOU SEE A GUY OF COLOR, THEN YOU MIGHT IMMEDIATELY FEEL INTIMIDATED BECAUSE OF THE BIAS THAT COMES WITH IT, BUT THAT ALSO GOES BOTH WAYS. >> RACISM IS STILL ALIVE GOING INTO 2020, JUST EVERYDAY EXPERIENCES AS AN AFRICAN-AMERICAN FEMALE, SOMETIMES I EXPERIENCE RACISM AND PREJUDICE. SOMETIMES I GET LOOKED OVER JUST FOR BEING BLACK. CARAY: WE FOUND THAT MOST PEOPLE DIDN'T SHY AWAY FROM THE TOPIC OF RACE AND RACISM. WE TALKED TO PEOPLE FROM ALL WALKS OF LIFE, AND ONE THING THEY ALL AGREED ON IS THAT RACISM IS STILL A PROBLEM, AND THAT WE HAVEN'T OVERCOME. >> I THINK PEOPLE ARE HOLDING ON TO OLD GRUDGES FROM THE PAST AND WE CAN'T CHANGE ANYTHING. ALL WE CAN DO IS LEARN FROM OUR HISTORY, LOOK AT WHAT HAPPENED, AND SAY IT HAPPENED AND NOT DO THE SAME THINGS. >> I DON'T SEE ANY KIND OF BIAS LIKE THAT, BUT THERE'S PEOPLE WHO LIVE SHELTERED LIVES AND ALL THEY SEE IS WHAT'S ON TV AND IN THE MEDIA, AND IT'S JUST SOMETHING THEY COULDN'T COME -- COULD NOT OVERCOME, I GUESS. CARAY: BUT SOME SAY THEY'RE NOT SURE WE WILL EVER SEE TRUE EQUALITY. >> WE'RE NOT GOING TO EVER CATCH UP TO THE LEVEL, BUT I'VE SEEN IMPROVEMENT. I'M A PRODUCT OF THE 40S, 50 AND 60S. I HAVE SEEN IT ALL. IN SOME STATES IT'S BETTER THAN HERE AND IN SOME STATES IT'S WORSE. CARAY: WE GOT LOTS OF SUGGESTIONS ABOUT WHAT IT TAKES TO TRULY BREAK DOWN BARRIERS AND SEE ONE ANOTHER AS EQUALS. >> WHAT DO YOU THINK IT'S GOING TO TAKE TO CREATE LESS DIVISION IN OUR COUNTRY? >> IT'S GOING TO TAKE PEOPLE NOT OF COLOR TO ACKNOWLEDGE AND STEP UP AND SUPPORT THOSE OF COLOR. WE SAY THAT WE'RE ACKNOWLEDGING RACISM, BUT I THINK PEOPLE STILL USE THAT, OH, I'M COLORBLIND, LIKE I DON'T NOTICE RACE, BUT YOU OBVIOUSLY NOTICE RACE AND I THINK WE NEED TO EMBRACE THAT DIFFERENCE INSTEAD OF HIDING FROM IT. >> ALL WE CAN DO IS LOVE ONE ANOTHER FOR WHO EACH OTHER IS. YOU CAN'T HELP RACE, COLOR, CREED, RELIGION. WE'RE ALL PEOPLE. CARAY: WHILE LEADERS WORK TO CHANGE THE POLICIES THAT CONTINUE TO CREATE BARRIERS FOR PEOPLE OF COLOR, THE PEOPLE WE TALKED TO AGREE THAT SPENDING TIME ACKNOWLEDGING YOUR OWN BIASES AND WORKING TO CHANGE IS HOW YOU BECOME PART OF THE SOLUTI
This year we've shed light on the inequalities still faced by people of color, especially here in Louisville, through our Project Community series.To round out our series, we wanted to hear from you, so we took to the streets of downtown Louisville.The first step to fixing a problem is acknowledging that there is one, so we set out to talk to people about something that can be difficult to talk about: racism. "Do you believe racism still exists in 2019? Absolutely. I think there's still bias based on race," Alexander Finley said. "Let's say you're walking down in the West End and you see a guy of color, then you might immediately feel intimidated because of the bias that comes with it, but that also goes both ways.""Racism is still alive going into 2020. (In my) everyday experiences as an African American female, sometimes I experience racism and prejudice. Sometimes I get looked over just for being black," Charity Barbour said.We found that most people didn't shy away from the topic of race and racism.We talked to people from all walks of life, and one thing they all agreed on is that racism is still a problem, and that we haven't overcome."I think people are holding on to old grudges from the past and we can't change anything," Vallie Wiginton said. "All we can do is learn from our history, look at what happened and say 'It happened' and not do the same things.""I don't see any kind of bias like that, but there's people who live sheltered lives and all they see is what's on TV and in the media," Alexander Finley said "It's just something they couldn't overcome I guess."But some said they're not sure we will ever see true equality."We're not going to ever catch up to the level, but I've seen improvement," Rev. Steven Coleman said. "I'm a product of the '40s, '50s and '60s. In some states, it's better than here, and in some states it's worse."We got lots of suggestions about what it takes to truly break down barriers and see one another as equals."What do you think it's going to take to create less division in our country? It's going to take people not of color to acknowledge and step up and support those of color," Barbour said."We say that we're acknowledging racism, but I think people still use that 'Oh, I'm colorblind, I don't notice race' (thing), but you obviously notice race, and I think we need to embrace that difference instead of hiding from it," Mariah Baum said."All we can do is love one another for who each other is," Wiginton said. "You can't help race, color, creed, religion. We're all people."While leaders work to change the policies that continue to create barriers for people of color, the people we talked to agree that spending time acknowledging your own biases and working to change is how you become part of the solution.
This year we've shed light on the inequalities still faced by people of color, especially here in Louisville, through our Project Community series.
To round out our series, we wanted to hear from you, so we took to the streets of downtown Louisville.
Project CommUNITY: Disparity in black youth incarceration
Project CommUNITY: Creating equity from the bottom up
CommUNITY Conversation: Redlining
Project CommUNITY: Community Conversation
The first step to fixing a problem is acknowledging that there is one, so we set out to talk to people about something that can be difficult to talk about: racism.
"Do you believe racism still exists in 2019? Absolutely. I think there's still bias based on race," Alexander Finley said. "Let's say you're walking down in the West End and you see a guy of color, then you might immediately feel intimidated because of the bias that comes with it, but that also goes both ways."
"Racism is still alive going into 2020. (In my) everyday experiences as an African American female, sometimes I experience racism and prejudice. Sometimes I get looked over just for being black," Charity Barbour said.
We found that most people didn't shy away from the topic of race and racism.
We talked to people from all walks of life, and one thing they all agreed on is that racism is still a problem, and that we haven't overcome.
"I think people are holding on to old grudges from the past and we can't change anything," Vallie Wiginton said. "All we can do is learn from our history, look at what happened and say 'It happened' and not do the same things."
"I don't see any kind of bias like that, but there's people who live sheltered lives and all they see is what's on TV and in the media," Alexander Finley said "It's just something they couldn't overcome I guess."
But some said they're not sure we will ever see true equality.
"We're not going to ever catch up to the level, but I've seen improvement," Rev. Steven Coleman said. "I'm a product of the '40s, '50s and '60s. In some states, it's better than here, and in some states it's worse."
We got lots of suggestions about what it takes to truly break down barriers and see one another as equals.
"What do you think it's going to take to create less division in our country? It's going to take people not of color to acknowledge and step up and support those of color," Barbour said.
"We say that we're acknowledging racism, but I think people still use that 'Oh, I'm colorblind, I don't notice race' (thing), but you obviously notice race, and I think we need to embrace that difference instead of hiding from it," Mariah Baum said.
"All we can do is love one another for who each other is," Wiginton said. "You can't help race, color, creed, religion. We're all people."
While leaders work to change the policies that continue to create barriers for people of color, the people we talked to agree that spending time acknowledging your own biases and working to change is how you become part of the solution.


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Tag: Cassandra Wilson
Cassandra Wilson on Billie Holiday
I recently got word that Legacy Recordings, a division of Sony Music Entertainment, has signed singer Cassandra Wilson. Wilson's first album for the label will be "Coming Forth By Day," which a press release described as "a musical homage to legendary jazz vocalist Billie Holiday" and a "showcase for contemporary yet timeless standards associated with Lady Day."
Wilson is hardly the first singer to pay such tribute. (My own favorite album along such lines is Dee Dee Bridgewater's 2010 CD, "Eleanora Fagan (1915-1959): To Billie With Love From Dee Dee" (DDB Records/Emarcy).
Yet Wilson, whose CD is slated for Spring 2015, in time for the centennial of Holiday's birth, will, I'm certain, have her own distinctive take. (As readers of this blog know, she's among my favorite musicians. I haven't heard the music yet. But the news prompted me to dig out a somewhat long soliloquy Wilson gave me about Holiday, when I was writing a piece about Holiday years ago, that began with my asking, "When do you remember first hearing Billie Holiday?" It hints at where she'll be coming from when she sings these songs: Continue reading "Cassandra Wilson on Billie Holiday"
When Cassandra Wilson Turned on Her Blue Light
The rapper Nas will be touring this summer, performing in full the material from his breakthrough 1994 recording, "Illmatic," 20 years after its initial release.
Blue Note Records, through its new parent company, Universal Music, has released an remastered and expanded edition of singer Cassandra Wilson's "Blue Light 'Till Dawn." The new CD bears a sticker that says "20th anniversary edition," which is sort of a fudge, mathwise—the CD originally came out in November, 1993. Yet that doesn't discount the fact that, like Nas's album, Wilson's was a game-changer for artists, listeners and music labels. (Wilson's U.S. tour, on which she'll perform "Blue Light" material, begins May 3.)
There are attitudes and aesthetics that might link Wilson's and Nas's 1990s achievements. There's also blood.
Nas's dad, Olu Dara, a musician I've written about several times, played brilliant and concise cornet on Robert Johnson's "Hellhound on My Trail," on Wilson's "Blue Light." He's from Natchez, Miss., not too far from Jackson, where Wilson was born and raised.
Dara lent Wilson more than just his distinctive tone: As she tol told me in an interview for Tuesday's Wall Street Journal piece, Wilson gained from him this lesson—"to honor and not hide where I'm from."
Part of Wilson's awakening involved picking up the guitar she'd hidden in fear that "the 'jazz police' would come looking for it." That one was a Martin acoustic. I like the photo above, because it shows her playing the red Fender she played recently for new project, Black Sun. Continue reading "When Cassandra Wilson Turned on Her Blue Light"


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Suwannee Hulaween Recap
This blog was written by our good friend Ryan Tinney! Let us know your thoughts and experiences at Suwannee Hulaween in the comments!
The String Cheese Incident brought their Hulaween event to the Spirit of Suwannee Music Park this past weekend. People from around the country flocked to the picturesque setting in the North Florida wilderness. The band brought in an all-star line-up for their Halloween extravaganza in addition to showing fans some of the best lighting and production that SOSMP has had the pleasure of hosting.
The festival kicked off on Halloween night giving the eagar attendees something to immediately swoon over. Voodoo priestesses, jellyfish, and astronauts alike joined Larry and Jenny Keel for the kick-off set that soon lead into a raucous 3-set party lead by String Cheese. The first set featured a number of SCI classics including Desert Dawn, Valley of the Jig, and a version of Texas that gave way to multiple teases of the theme to the Halloween movies.
The guys ran with the spooky theme in the second set that featured a number of covers including ACDC's "Hell's Bells", The Neville Brothers' "Voodoo", and closing it out, "Black Magic Women" by Fleetwood Mac as well as a stunning pyrotechnic show with fire balls, flaming scarecrows, and fire performers.
The third set saw a return to SCI favorites including a "Rosie" with the Antibalas horn section, "Black Clouds", "It Is What It Is", and a special "Spirit of the Suwannee Jam". For the first encore of the weekend, the Anitbalas horn section returned for an amazing version of "Miss Brown's Teahouse" before the guys brought back the covers with Hank Williams' "I Saw The Light" and concluding with an all-out rendition of Peter Gabriel's "Sledgehammer" that wrapped up the first night.
While some were still wiping the paint of their faces from the night before, most headed to the main field for a special set from Steve Kimock and Friends that featured a number of aptly chosen covers like "Come Together" featuring Jennifer Hartswick on trumpet. Kimock also treated the audience to renditions of Jimi Hendrix's "Voodoo Child" and a special Suwannee River version of "Take Me To The River". Before long though, it was time to welcome our hosts for the weekend back to the stage for two more sets.
Set one highlights included "Black and White", an extra large "Big Shoes" and Miles Davis' "Freedom Jazz Dance" that welcomed Steve Kimock and friends back to the stage for a mid-tempo, jazz-fusion jam exploration.
The set break saw the clouds rolling in, hinting that the night may be heading in a debaucherous direction. As the set kicked off, an incredibly high-energy "Sirens" left many forgetting about the weather all together. Other stand-outs included an extra-crazy "Piece of Mine", "Bumpin' Reel" featuring Dominic Lalli of Big Gigantic and a very fitting "BollyMunster" encore.
The weather stayed iffy but The Main Squeeze kept the energy so high that it felt as if they were pushing the rain away with their funkified versions of "Shakedown Street" and "Whipping Post". Following the Allman Brothers' tune, the clouds finally gave way though. Many hurried for their camps and those that didn't, were quickly scattering as the rain came down harder and harder. Many were holding out hope that the late night festivities featuring Big Gigantic and Conspirator would continue on as planned but as the thunder clapped, everyone knew the music was over, officially, until the next day.
The clouds broke for the final day of the festival and the weather could not have been more perfect. Brock Butler of Perpetual Groove treated the crowd to the always beloved "Brockfest" jams featuring a healthy dose of covers and playful banter. Before long, the day was in full swing and Leftover Salmon took the stage and gave the crowd the perfect soundtrack to the day featuring a name-swap jam with Bill Nershi that cued a field-wide slam-grass hoedown. Elliot Lipp transitioned people into the final night with his trio playing his usually solo tracks that were expertly rearranged for the added members.
String Cheese took the stage for their last two sets of the weekend. Set one included a sit-in from the entire Leftover Salmon crew on tunes "One After 909" and "Zombie Jamboree". A very spacey "Windy Mountain" lead into a beautiful "Colliding" that culminated in a percussion section featuring Jeffery Lerner of STS9 and Luke Quaranta of Toubab Krewe laying down some serious rhythms and closing out one the best sets of the weekend.
The final SCI set of the festival started with crowd favorites "Best Feeling", "Howard" and "Pack It Up" that lead into the disco-jam of The Jackson's "Shake Your Body (Down to the Ground)" with Jennifer Hartsick and Natalie Cressman adding a cut-rate horn section. The set wrapped up with "Rivertrance", the Talking Heads favorite "This Must Be The Place (Naive Melody), and finally with "Outside and Inside". The rain the previous night left many itching for some electronics and the guys delivered with Led Zeppelin's "Kashmir" that peaked in an all-out electronica burst that left many speechless and dazed following the guys' 7th and final set.
The electronics continued with a set from Chicago's Future Rock that lead right into STS9's highly anticipated set. The first part of the set from the Athens, Georgia quintet featured the rarely seen "Blu Mood" that went into an extremely tight "Move My Peeps". "When The Dust Settles" > "Wika Chikana" > "EHM" may have been the best block of music all weekend. The guys then eased the crowd back down with "Golden Gate" and "Circus". Other standouts included a vicious "Rent" and a "Baraka" encore that was talked out the rest of the night. The aptly chosen set list lead right into the perfectly scheduled Emancipator set at the beautiful Amphitheater stage.
Doug Appling and Ilya Goldberg of Emancipator quickly took control of the audience, serenading them through the beautiful oak tress that surround the stage. The duo never seems to struggle with blending the "chill" and the "rage" and tonight was a perfect example. Keeping up with the cover theme for the weekend, Emancipator effortlessly snuck in samples from Aaliyah's "Try Again", The Fugees' "Ready or Not", as well as a myriad of Beastie Boy's lyrics over the quintessentially downtempo beats these Oregon residents are known for.
As the Emancipator set, and thus the weekend, came to a close, a friendly voice on the PA seemed to almost read the crowd's minds… "Who's ready for Suwannee Hulaween 2?! We'll see you guys next year!" …and a new tradition was born.


Let's face it, this game is a lot to take in for your very first character and figuring out exactly where to start before you have the ability to chat at level 2. So I wanna note a few things for any new players to help em along.
Here at WoTMUD, you roll stats at level 3 that determine your characters innate traits of Strength, Intelligence, Will, Dexterity and Constitution. At level 3 you can view these with the stat command, and choose to keep or start over at level 1 and try again with RESTAT. Personally I wouldn't worry too much at first, because you can always go for better on a new char once you get the hang of things.
If you don't feel like spending much time on character creation itself, then Human hunters, warriors and rogues can all pick prerolled stats. They aren't great, but are easily enough to get you going. Tell guardian Prerolled stats to get them. If you want to learn on a hunter or rogue, this is an excellent way to go about it and you can easily stat better once you get the hang of things. It should give you 17 10 12 17 17 stats for hunters and rogues as well as the warrior mentioned before.
I should mention the WHO command, which lets you see any players online for your faction. Anyone with a ~ next to their name is Immortals (staff) and can be talked to directly if they are visible with TELL or, if none are visible, PRAY.
From the Circle, you can go to the Weave and be taken to a variety of places all over the world based on your level, or the Eye of the World. The Eye of the world is our newbie zone that is specifically for people wanting to learn the game without fear of Playerkilling and the like. This is good, but if you want to stat in the larger world, and perhaps get more help as you are more accessible there, there are a few places great for starters.
Enter weave "placename" will do the trick, and there is a sign with available choices in the room 1 room down of where you start.
First off, Tell guardian kit will provide some basics to work with.
Caemlyn is the center of the world, and the zones south of the city is fantastic for statting. The preferred stuff to kill to stat is Deer, bucks, and of course the favorite leatherleaf saplings.
Emond's Field has a large supply of statting material found roughtly N and W of the main town itself.
Amador has a large statting field south of the city, but it can be dangerous to get there if you aren't familiar with the area.
Tear Road has plentiful statting trees and convenient access to them. Another good one.
In the Eye of the World, the saplings are found East and West of the town.
For your first character to learn the game in, it is strongly recommended you choose a Human Warrior, and preferably from Two Rivers or Amadicia so you get a quick roll of 18 - 19 for both Strength and Con. Then you're off to the real game experience!
Last edited by Mantorok on Fri Mar 04, 2016 5:54 pm, edited 1 time in total.
I've had to reference this a lot in the last few days. Can we get a sticky?
Expanding on player killing and what it entails might be a benefit here.
Feel free to go to lyren.me for a PK guide.
While a Trolloc can get away with a silly or goofy name, Light and Seanchan characters need to have something fitting the Wheel of Time theme. Keep that in mind as you make your character, so you don't get invested in one that will end up being sent to the Silly Name Room.
PvP combat is a large part of WoTMUD. Our factions are Light (Blue to crossrace), Dark (Red to crossrace) and Seanchan (Purple to crossrace) and you'll recognize them as enemies by the * around their names, even if you don't have the COLOR COMPLETE feature turned on.
It should be noted that WoTMUD pvp is unrestricted, and generally nowhere is 100% safe. To keep an ear out for PK on the MUD, keep an eye on the NARRATES (listen narr turns them on) so you'll get a heads up if anything is nearby. If you are around Emonds Field, a redwing will echo if a Seanchan is around, while a Blackbird will do the same if someone from the Dark is.
Aside from just appearing as a *color* the actual name that shows depends on level. A newbie will actually show up as *a male human newbie* etc and not respond to the Kill human command, so as to avoid accidental deaths should you find yourself near a pk. You will show up as that *male human newbie* up until level 10, when it then changes to show *male human* and DOES start to respond to kill human. Try to stay out of the way should you find yourself in PK, as most raiders will leave you alone if you aren't causing an issue. At level 20, you become fully named, and will show up as your actual character name to crossrace players in your room. As a side note, level 20 is also when you can change your title, to add a surname or whatever floats your boat.
If you do die, you have 20 tics (in game hours) to loot your gear or ask someone else to do it for you. As this is an unrestricted PvP game, don't be surprised if the enemy takes it. Don't fret over gear though, as it is easy to come by, especially if you ask for help.
But, what about the mage (channeler) class?
1) Channelers can't use the PREROLLEDSTATS command to get basic stats.
2) Male Channelers -will- be hunted once you're found out.
-You might be asking what -can- male channelers do? Well they get access to all the weaves a female channeler has to clan to obtain. So that's cool. But your character will taint to hell (random commands when you enter commands, which can make the character unplayable) HOWEVER you can obtain taint protection if you find out about the darkfriend route...so I hear. I'm not the guy to talk to about that.
4) Where can I practice my weaves (spells) at?
-Male channelers can practice at a few spots not everyone has access to, but your best bet is finding Mazrim Taim. (If someone can give exact locations he loads that'd be swell) He can be found in a few locations to check: Great Forest, South Misties (waterfall cave Northwest of Amador), Braem, and Meneril. Sorry, I don't know all the locations exactly so I'm hoping people can post the specifics on that one.
- Before you can practice a specific spell, you have to have the Fire/Water/Earth/Air/Spirit level to do it. In order to get the most out of your practices and not let any go to waste, get the minimum elements and check http://wotmud.wikia.com/wiki/Weaves to see what you need for what, as well as if it's a Clanned only weave.
6) I finally statted a channeler! What's the best way to level up?
Barring insane luck, your channeler is probably going to have a lower end strength to deal with and the practices to get parry and weapon will be murder. My advice is to get Blind (1 earth, 1 fire, 1 spirit) and use that before you engage an enemy. It lowers their ob, db, pb and also makes it so it cant assist others of its kind like ancient trees. Also, chill (1 water) will lower ob/db/pb a bit and make it easier to hit/not get hit. Fear (2 spirit) can make it so some of the enemy attack rounds don't do anything. Armor (2 spirit) will give whoever it is casted upon an extra 10 db, which is nice for a bit of a defense boost. And lastly, ICE SPIKES are the big one in terms of offensive wilder weaves (males can get the fire weaves for the same effect) and cost (3 air 3 water) to cast. This will be most wilders bread and butter setup for exping and as their journey.
The overchannel command gives you a bit of extra weave ability, but can Still/Gentle you and cut you off from the Source forever. Just don't use it.
Portal stones load in a few locations and can give access to Evil Braem (Like a hidden bonus dungeon full of nasty monsters and smobs) but can also still/gentle you if you channel at them with too few sps available at the time. Keep on the look out for A COLUMN OF STONE STAND HERE COVERED IN ODD CARVINGS or AN ANCIENT STONE COLUMN STANDS BROKEN AND PARTIALLY BURIED IN THE GROUND.
Finally, while the HOLD WEAVE (number) command can be very useful, it drains your sps each tic (game clock time of 1 in game hour) and can Still/Gentle you if you let it keep draining you completely. BE CAREFUL.
So fair travelers, while channelers can be power houses and a lot of fun, remember to be careful. They can be a pain in the rear to stat, which is why we advise non-channelers for your first character here. I hope that for those who decide to go with channelers, that this guide helps you.


text:
class TList;
class TH1F;
class TH3D;
class TH2F;
class TString;
class AliAODEvent;
class AliAODInputHandler;
class TH2D;

#include "AliPIDResponse.h"
#include "AliAnalysisTaskSE.h"

class AliAnalysisTaskEffContBF : public AliAnalysisTaskSE {
 public:
  AliAnalysisTaskEffContBF() : AliAnalysisTaskSE(),
    fAOD(0),
    fArrayMC(0),
    fQAList(0),
    fOutputList(0),
    fHistEventStats(0),
    fHistCentrality(0),
    fHistNMult(0),
    fHistVz(0),
    fHistNSigmaTPCvsPtbeforePID(0),
    fHistNSigmaTPCvsPtafterPID(0),
    fHistContaminationSecondariesPlus(0),
    fHistContaminationSecondariesMinus(0),
    fHistContaminationPrimariesPlus(0),
    fHistContaminationPrimariesMinus(0),
    fHistGeneratedEtaPtPhiPlus(0),
    fHistSurvivedEtaPtPhiPlus(0),
    fHistGeneratedEtaPtPhiMinus(0),
    fHistSurvivedEtaPtPhiMinus(0),
    fHistGeneratedEtaPtPlusControl(0),
    fHistSurvivedEtaPtPlusControl(0),
    fHistGeneratedEtaPtMinusControl(0),
    fHistSurvivedEtaPtMinusControl(0),
    fHistGeneratedEtaPtPlusPlus(0),
    fHistSurvivedEtaPtPlusPlus(0),
    fHistGeneratedEtaPtMinusMinus(0),
    fHistSurvivedEtaPtMinusMinus(0),
    fHistGeneratedEtaPtPlusMinus(0),
    fHistSurvivedEtaPtPlusMinus(0),
    fHistGeneratedPhiEtaPlusPlus(0),
    fHistSurvivedPhiEtaPlusPlus(0),
    fHistGeneratedPhiEtaMinusMinus(0),
    fHistSurvivedPhiEtaMinusMinus(0),
    fHistGeneratedPhiEtaPlusMinus(0),
    fHistSurvivedPhiEtaPlusMinus(0),
    fUseCentrality(kFALSE),
    fCentralityEstimator("V0M"),
    fCentralityPercentileMin(0.0),
    fCentralityPercentileMax(5.0),
    fInjectedSignals(kFALSE),
    fPIDResponse(0),
    fElectronRejection(kFALSE),
    fElectronOnlyRejection(kFALSE),
    fElectronRejectionNSigma(-1.),
    fElectronRejectionMinPt(0.),
    fElectronRejectionMaxPt(1000.),
    fVxMax(3.0),
    fVyMax(3.0),
    fVzMax(10.),
    fAODTrackCutBit(128),
    fMinNumberOfTPCClusters(80),
    fMaxChi2PerTPCCluster(4.0),
    fMaxDCAxy(3.0),
    fMaxDCAz(3.0),
    fMinPt(0.0),
    fMaxPt(20.0),
    fMinEta(-0.8),
    fMaxEta(0.8),
    fEtaRangeMin(0.0),
    fEtaRangeMax(1.6),
    fPtRangeMin(0.0),
    fPtRangeMax(20.0),
    fEtaBin(100),
    fdEtaBin(64),
    fPtBin(100),
    fHistSurvived4EtaPtPhiPlus(0),
    fHistSurvived8EtaPtPhiPlus(0){}
    AliAnalysisTaskEffContBF(const char *name);
    virtual ~AliAnalysisTaskEffContBF() {}

  virtual void   UserCreateOutputObjects();
  virtual void   UserExec(Option_t *option);
  virtual void   Terminate(Option_t *);

  Bool_t   IsLabelUsed(TArrayI array, Int_t label);

  void SetAODtrackCutBit(Int_t bit){
    fAODTrackCutBit = bit;
  }
  void SetVertexDiamond(Double_t vx, Double_t vy, Double_t vz) {
    fVxMax = vx;
    fVyMax = vy;
    fVzMax = vz;
  }

  //Centrality
  void UseCentrality() { fUseCentrality = kTRUE;}
  void SetCentralityEstimator(const char* centralityEstimator) {
    fCentralityEstimator = centralityEstimator;}
  void SetCentralityPercentileRange(Float_t min, Float_t max) {
    fCentralityPercentileMin=min;
    fCentralityPercentileMax=max;
  }

  //Injected signals
  void SetRejectInjectedSignals() {fInjectedSignals = kTRUE;}

  // electron rejection
  void SetElectronRejection(Double_t gMaxNSigma){
    fElectronRejection = kTRUE;
    fElectronRejectionNSigma = gMaxNSigma;
  }

  void SetElectronOnlyRejection(Double_t gMaxNSigma){
    fElectronRejection       = kTRUE;
    fElectronOnlyRejection   = kTRUE;
    fElectronRejectionNSigma = gMaxNSigma;
  }

  void SetElectronRejectionPt(Double_t minPt,Double_t maxPt){
    fElectronRejectionMinPt  = minPt;
    fElectronRejectionMaxPt  = maxPt;
  }

  //Track cuts
  void SetMinNumberOfTPCClusters(Double_t min) {
    fMinNumberOfTPCClusters = min;}
  void SetMaxChi2PerTPCCluster(Double_t max) {
    fMaxChi2PerTPCCluster = max;}
  void SetMaxDCAxy(Double_t max) {
    fMaxDCAxy = max;}
  void SetMaxDCAz(Double_t max) {
    fMaxDCAz = max;}
  void SetMinPt(Double_t minPt) {
    fMinPt = minPt;}
  void SetMaxPt(Double_t maxPt) {
    fMaxPt = maxPt;}

  void SetEtaRange(Double_t minEta, Double_t maxEta, Int_t binEta, Double_t minRangeEta, Double_t maxRangeEta, Int_t bindEta){
    fMinEta = minEta;
    fMaxEta = maxEta;
    fEtaBin = binEta;
    fEtaRangeMax = maxRangeEta;
    fEtaRangeMin = minRangeEta;
    fdEtaBin = bindEta;
  }
  void SetPtRange(Double_t minRangePt, Double_t maxRangePt,Int_t binPt){
    fPtRangeMin = minRangePt;
    fPtRangeMax = maxRangePt;
    fPtBin = binPt;}
 private:
  AliAODEvent* fAOD; //! AOD object
  TClonesArray *fArrayMC; //! array of MC particles
  TList       *fQAList; //! QA list
  TList       *fOutputList; //! Output list

  // QA histograms
  TH1F        *fHistEventStats; //!event stats
  TH1F        *fHistCentrality; //!centrality
  TH1F        *fHistNMult; //! nmult
  TH1F        *fHistVz;//!
  TH2F        *fHistNSigmaTPCvsPtbeforePID;//TPC nsigma vs pT before PID cuts (QA histogram)
  TH2F        *fHistNSigmaTPCvsPtafterPID;//TPC nsigma vs pT after PID cuts (QA histogram)

  // output histograms
  TH3D        *fHistContaminationSecondariesPlus;//!
  TH3D        *fHistContaminationSecondariesMinus;//!
  TH3D        *fHistContaminationPrimariesPlus;//!
  TH3D        *fHistContaminationPrimariesMinus;//!

  // output histograms (single particles)
  TH3D        *fHistGeneratedEtaPtPhiPlus;//!correction map for positives (generated)
  TH3D        *fHistSurvivedEtaPtPhiPlus;//!correction map positives (survived)

  TH3D        *fHistGeneratedEtaPtPhiMinus;//!correction map for negatives (generated)
  TH3D        *fHistSurvivedEtaPtPhiMinus;//!correction map negatives (survived)

  TH2F        *fHistGeneratedEtaPtPlusControl;//!correction map for positives (generated)
  TH2F        *fHistSurvivedEtaPtPlusControl;//!correction map positives (survived)

  TH2F        *fHistGeneratedEtaPtMinusControl;//!correction map for negatives (generated)
  TH2F        *fHistSurvivedEtaPtMinusControl;//!correction map negatives (survived)

  // output histograms (pairs)
  TH2F        *fHistGeneratedEtaPtPlusPlus;//!correction map for ++ (generated)
  TH2F        *fHistSurvivedEtaPtPlusPlus;//!correction map ++ (survived)

  TH2F        *fHistGeneratedEtaPtMinusMinus;//!correction map for -- (generated)
  TH2F        *fHistSurvivedEtaPtMinusMinus;//!correction map -- (survived)

  TH2F        *fHistGeneratedEtaPtPlusMinus;//!correction map for +- (generated)
  TH2F        *fHistSurvivedEtaPtPlusMinus;//!correction map +- (survived)

  TH2F        *fHistGeneratedPhiEtaPlusPlus;//!correction map for ++ (generated)
  TH2F        *fHistSurvivedPhiEtaPlusPlus;//!correction map ++ (survived)

  TH2F        *fHistGeneratedPhiEtaMinusMinus;//!correction map for -- (generated)
  TH2F        *fHistSurvivedPhiEtaMinusMinus;//!correction map -- (survived)

  TH2F        *fHistGeneratedPhiEtaPlusMinus;//!correction map for +- (generated)
  TH2F        *fHistSurvivedPhiEtaPlusMinus;//!correction map +- (survived)

  Bool_t  fUseCentrality;// Bool_t use centrality or not
  TString fCentralityEstimator;//"V0M","TRK","TKL","ZDC","FMD"
  Float_t fCentralityPercentileMin, fCentralityPercentileMax; //min-max centrality percentile

  Bool_t fInjectedSignals;//Flag for using the rejection of injected signals

  AliPIDResponse *fPIDResponse;     //! PID response object
  Bool_t   fElectronRejection;//flag to use electron rejection
  Bool_t   fElectronOnlyRejection;//flag to use electron rejection with exclusive electron PID (no other particle in nsigma range)
  Double_t fElectronRejectionNSigma;//nsigma cut for electron rejection
  Double_t fElectronRejectionMinPt;//minimum pt for electron rejection (default = 0.)
  Double_t fElectronRejectionMaxPt;//maximum pt for electron rejection (default = 1000.)

  Double_t fVxMax;//vxmax
  Double_t fVyMax;//vymax
  Double_t fVzMax;//vzmax

  Int_t fAODTrackCutBit;//track cut bit from track selection (only used for AODs)

  Double_t fMinNumberOfTPCClusters;//!
  Double_t fMaxChi2PerTPCCluster;//!
  Double_t fMaxDCAxy, fMaxDCAz;//!
  Double_t fMinPt, fMaxPt;//!
  Double_t fMinEta, fMaxEta;//!
  Double_t fEtaRangeMin;// acceptance cuts
  Double_t fEtaRangeMax; // acceptance cuts
  Double_t fPtRangeMin;  //acceptance cuts
  Double_t fPtRangeMax;  //acceptance cuts

  Int_t fEtaBin;  //acceptance cuts
  Int_t fdEtaBin;  //acceptance cuts
  Int_t fPtBin; //acceptance cuts

  TH3F        *fHistSurvived4EtaPtPhiPlus;//!
  TH3F        *fHistSurvived8EtaPtPhiPlus;//!

  AliAnalysisTaskEffContBF(const AliAnalysisTaskEffContBF&); // not implemented
  AliAnalysisTaskEffContBF& operator=(const AliAnalysisTaskEffContBF&); // not implemented

  ClassDef(AliAnalysisTaskEffContBF, 1); // example of analysis
};

#endif

redpajama_set_name: RedPajamaGithub


text:
Europe Car News – latest cars, hybrid, electric, mpv, concept
Find hot Europe's car news with images, video and reviews. Discover all about latest new cars, ultimate electric, hybrid and MPV vehicles, latest concept models
Suvs Cars
ALFA ROMEO MITO – NEW 1.3 JTDM-2 ECO
2011 Alfa Romeo
October 5, 2010 November 8, 2021 Teresa Ruiz
Alfa Romeo presents, at Paris motor show, the green version of the MiTo which is the 1.3 JTDM-2 ECO, a small 95 hp turbo diesel which limits CO2 emissions to 104g/Km. The project of the Italian car was developed and produced by FPT (Fiat Powertrain Technologies). This engine is equipped with new Common Rail injectors that control, with high precision, the amount of fuel injected into the combustion chamber, with a faster sequence and more flexible than before. The four-cylinder turbo (variable geometry) diesel common rail Euro 5, perform rather than good (180 km/h, 0-100 in 11″6) this thanks to new gear ratios, the Start & Stop system and Gear Shift Indicator, this also improves the average distance which fell from 23.6 km/liter to 25 kilometers per liter in the combined cycle. Again, this further evolution of the 1.3 JTDM-2, is capable, with Injection Rate Shaping, to reduce: noise, energy consumption and, in Euro 6 perspective, up to 30% of oxides of nitrogen. The new engine belongs to the second generation of JTD engines that debuted recently on the Fiat Punto and EVO is the evolution of common-rail injection system began in 1997 with Fiat Group JTD engines.
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Alfa Romeo MiTo Quadrifoglio Verde
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All too often, we continuously switch from product to product because nothing seems to improve our skin. The problem is, this strategy of quickly replacing one product with another can make matters worse, especially if you're not choosing carefully. Here are a few reasons why it seems none of your skin care products are working, and some tips for finding the most effective products for clear, healthy-looking skin.
First and foremost, if your skin is deficient in amino acids, no other ingredients are going to be able to effectively do their jobs and improve your skin. Thus, supplying your skin with a combination of all or many of the 20 amino acids in the genetic code is the best place to start if you're having trouble managing your skin's condition. They are the necessary raw materials of many skin functions. Additionally, many skin care products contain hidden ingredients that could be irritating or drying out your skin, even if the first couple of ingredients may be beneficial. Steer clear of known irritants like preservatives, sulfates, dyes, and certain alcohols that can dry your skin. Another common problem with many anti-aging creams is that they contain alpha hydroxy acids (AHAs) to remove the outer layer of skin in order to reveal the fresh layer underneath. If you are a sensitive skin type, these ingredients can be much too harsh. Instead, use gentler ingredients like amino acids, which play vital roles in collagen production, and have also been shown to increase cell turnover rate. The result is a smoother, more radiant complexion without the irritation and dryness that can come along with AHAs .
If dry, flaking skin is a constant concern for you, this is a sign that your skin's barrier is damaged or not functioning properly. The topmost layer of the epidermis, called the stratum corneum, contains what's known as natural moisturizing factor, or NMF. NMF is primarily comprised of amino acids, and its purpose is to control what passes through your skin. A healthy skin barrier will seal water molecules inside the skin, while keeping out toxins and other harmful substances. When the skin barrier is damaged and does not have enough NMF, too much water is able to escape into the atmosphere, and pollutants can get inside. When this happens, use a moisturizer that contains amino acids to help your skin more quickly replenish its NMF content and thus repair its barrier.
There are many factors that determine whether a particular ingredient or even an entire skin care product will effectively penetrate the outer layer of your skin and reach the underlying dermis. Some ingredients are molecularly too large to be absorbed by your skin cells. In other cases, these ingredients have not been formulated properly to maximize skin penetration (pH plays a big role). Whatever the reason, if the ingredients contained in your skin care products aren't able to pass through your skin's outer barrier, there is a limited benefit that you can obtain as they remain on the surface. On the other hand, some skin care ingredients are excellent at penetrating the skin and reaching the dermis, where cells called fibroblasts manufacture collagen, elastin, and hyaluronic acid. Because amino acids are already naturally present in your skin and throughout your body, they very easily penetrate your skin and reach these fibroblast cells, where they can boost collagen production .
Finally, even if you are using the most effective skin care ingredients and formulations available, these need to be paired with healthy lifestyle choices in order to see the dramatic, long-lasting results you want. The sun's UV rays account for at least 80 percent of all signs of visible skin aging, so if you're still soaking up the sun and visiting indoor tanning beds, you won't see the smooth, youthful transformation that you want, no matter your skin care routine . Similarly, eating a diet high in refined sugars can accelerate the chemical process of glycation, which has been linked with nearly every sign of skin aging . Therefore, the most complete approach to getting and maintaining smooth, youthful, and healthy-looking skin is to combine the most effective skin care products like the AminoGenesis collection, with a healthy lifestyle. For more skin care tips and information, and to receive exclusive deals and offers on AminoGenesis products, sign up today to become an AminoGenesis Insider!
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text:
Can Upstart stand out in its competitive market?
By Marie Patten on March 1, 2022 Predatory Lenders
IPO darling Assets received ( UPST -7.97% ) fell 72% from all-time highs amid market uncertainty and a rotation in speculative tech stocks. Can the fintech platform that uses artificial intelligence to assess creditworthiness disrupt the traditional lending industry? Or does it face an uphill battle against established loan companies?
In this music video for "The Rank", recorded on February 14Motley Fool contributors Matthew Frankel, CFP®, Jason Hall and Tyler Crowe discuss Upstart's meteoric rise and recent fall, and explore the challenges the company faces in a crowded field.
Matt Frankel: Upstart went public at an IPO price of $20 in December 2020 and it peaked in 2021 above $400. It was a 20-bagger in less than a year after its IPO. He has since descended to earth, perhaps an understatement. Upstart is down about 72% from its highs, and that's after a recent rally. This one was pretty well hit. Still quite an expensive company, with a market capitalization of around $8.8 billion. Upstart is actually reporting tomorrow, so we'll get a better look at the state of the business, which I'm really excited to see as the second and third quarters weren't very comparable to the prior year. The second quarter of 2021, Upstart's business was going, they were doing loans as much as possible. They pretty much curbed lending in the second quarter of 2020. On paper, that looks like a 1,000% year-over-year gain. But it really wasn't. The third quarter was like that, but less. Revenue increased 250% year over year. Again, this isn't an entirely apples-to-apples comparison, but Q4 should be. I want to see where it lands tomorrow.
Upstart's mission is therefore to democratize access to credit and do a better job of predicting the risk of loan loss than traditional methods, in particular the FICO score. Now there is no doubt. I think the other guys would totally agree with me that the FICO model isn't perfect. It does not accurately predict the risk of default for each borrower. It does not especially serve the low end, nor the low end of credit. People who may not have established credit in a very long time or people who may have gone bankrupt five years ago and had their credit destroyed for the next seven years because of it. These are the people the traditional method really doesn't serve, and that's a pretty big segment of the market. To date, Upstart has used its own methods for underwriting personal loans. For the most part, they are just getting started in the car loan business, but in the personal loan market, they have been hugely successful. The entire personal loan industry accounts for approximately $80 billion a year in loans. Upstart in the third quarter was behind annualized lending volume of about $12 billion. That's pretty impressive market penetration, especially because they're just focusing on subprime credit levels. Their business took off. They haven't really been tested yet, which is my biggest negative about the company, and Jason and I have talked about them on shows before. Upstart was founded in 2009, didn't really exist during a major recession where borrowers defaulted. It will be tested if this ever happens, if and when. The real possibility here is that this methodology, if it works, which let's assume it works, will be transposed to other forms of lending. I mentioned auto lending, which is a huge market. Let me share my screen very quickly.
Jason Hall: It's also a huge subprime market, isn't it?
Frankel: These are the markets that Upstart plans to target or has already targeted. As mentioned, the personal loan market already. The auto loan market is about seven times larger and has a massive need for subprime disruption. The subprime auto industry is a very predatory credit environment, and it's not entirely the dealers' fault. It's not the fault of the dealerships, but it's not totally the fault of the car dealerships because there is no right method to take out loans for subprime borrowers. If Upstart can translate its personal lending success into the auto lending industry, that alone could grow its business 5x. Then the long-term potential, you see that the mortgage market right now, if you're a subprime borrower, it's really hard to get a mortgage. There are no mortgages other than FHA loans for people with credit scores below 620 right now, FHA loans do exist, but these are expensive, and are government backed and stuff like that. There are many opportunities to translate this into other forms of lending. At the $400 stock price, it was actually a nearly $40 billion business in the mid-30s. Risk-reward didn't really make sense to me at this point until until we get comparable growth figures. Like I mentioned, I hope to see tomorrow, but at a sub-$10 billion valuation as it is right now, it looks like it's worth revisiting. Guys, any opinions?
Crow: Without becoming too wobbly, of course, while thinking. I can go in a lot of different directions here, so I'll keep it as general as possible. Mortgage rate or lending is one of the most competitive industries. A half basis point gain might be billions to people. What does Upstart do that is so unique and so exclusive that no big bank like you said, if there's money to be made, Goldman go do it. Probably the same can be said for so many other big banks, or even something like what SunTrust changed its name to, whatever.
Hall: Truist.
Frankel: No, it's BBNT.
Crow: It's going to be fuel that will spend billions of dollars, and something like that, so what Upstart is doing that's going to push them back and stop the 300, 400 billion dollar banks from saying no, we're going to pick up the slack.
Frankel: Sure. Upstart isn't a lender itself, it provides some kind of cloud-based AI platform that uses about 1,000 different consumer data points to improve it. The great strength of the program right now is that it has over a million consumer data loans to look at so that you can better predict, if you have a college degree, does that affect your risk default, things of that nature. In theory, and this is a big part of the thesis, Upstart's platform could power some of these big bank lending operations and cut the losses. As you mentioned, Goldman Sachs owns the marketplace platform that already grants personal loans, so instead of using the FICO score to assess borrowers, it could use Upstart's platform, theoretically reducing its losses and make more loans with less risk of loss and everyone wins. It's sort of the thesis that bigger and bigger institutions will eventually grab it and bring it in.
Hall: It's the platform, right? That's the idea, and in this Tyler, I think to answer your question of not having had one too, I mean, I think that's just the simple answers, is that, I mean , let's not ignore rooted players. Why change what worked as long as it was the thing, right? Why increase the risk of trying something that doesn't work, right? So I think in a way that's what makes the timing perfect for Upstart because we've been in this period of strong economic growth for as long as we've had the cycle in its favor to start. That's why I rated it #7, as attractive as the risk-reward profile has changed because the valuation has dropped so much, but the absolute risk level is the same. Until we go through a full credit cycle, we don't know how well what he says will work. If it works, I think it works in more ways than just reducing risk, right? As a lender, if you're a lender, do you want to adopt their platform and pay them, you can't just reduce the amount of defaults you potentially end up in, but you can find like the good, like the risk profile that works for what you're trying to do, maybe you just want to grow your loan portfolio and take on a little more risk, right? You could, they say with their algo, you can do that, so it's really interesting what they're doing. I'm just not convinced it will be as good until we go through a full credit cycle, and that's why I scored as low as I did. I don't want people to think these are value stocks. This is not the case, a valuable security always represents a huge amount of risk that will not work. It could be a very profitable business for another two or three years and grow like crazy and then lenders will stop buying their loans because default rates are much higher than anyone had predicted.
Crow: Well that's what I was going to ask too it's been around for a while and obviously we're in a favorable credit environment but that's proof in the putting like have we seen can they like , show a defect materially better rate than people in this industry?
Frankel: Yes, they have done their own studies, and in a favorable economic environment, they say it can reduce the risk of default by up to 75% based on their information. This is during good economic times when default rates are at record highs across the board anyway. It really remains to be seen if a financial crisis happens again, how it will translate.
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