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19 Statement Accessories That Prove Cozy Season Doesn't Have to Be Bland
Faran Krentcil
Statement Accessories That Prove Cozy Season Doesn't Have to Be Bland
When there's zero-degree wind chill outside, it's easy to have zero chill about winter dressing — and serious anger for anyone calling "cozy season" a delight instead of a euphemism for "I can't feel my face / fingers / toes when I'm with you."
But it doesn't have to be that way.
Thanks to some serious innovation in cold-weather materials, plus a flurry of polar vortex fashion on the runways (Hello, Gucci ski goggles!) bundling up can actually count as dressing up, and "ice princess" can stop being a tragically underrated Disney movie and start being a doable style mandate.
I grew up in a Boston suburb where we actually did walk 2 miles in the snow just to get to class. (Shoutout to the snow-slushed misery of Doherty Middle School in Andover, MA!) The first rule of surviving "cozy season" — besides never calling it that? Keep your feet warm and dry, no matter what. These fleece-lined LL Bean boots are the gold standard for waterproof protection, and their plaid lining means you can fold them over, tie the laces a few times around, and get a very cool grunge-era cuff on cold-but-dry days.
But if you're craving a snow shoe you can pair with a cocktail dress, good news: Winter boots have finally merged true function with party girl form, which means these Sorel chunky heels can stomp through sleet and straight into the club. And if you're asking "What's French for freezing-but-cute?" try these Chloé shearling cuff boots, as seen on runways and Instagram "most liked" posts.
Cozy Season amateurs may think a good winter bag should be fuzzy or even furry. But once you've splashed coffee (or dunked an entire hot toddy) on a shearling purse, you realize "style experts" are full of lies. That's because the true winter "It" bag is one you can easily sling over your shoulder, even in a huge puffy coat. Mansur Gavriel's travel wallet is a clever take on a "belt bag" that looks less like your aunt's Disney World souvenir fanny pack and more like an off-duty designer's solution to a phone-and-wallet combo deal. Meanwhile, Kate Spade New York and Brandon Blackwood both have crescent-handled bags that harken back to spacy '90s minimalism and fit over an Aritzia Super Puff sleeve.
God bless Grace Eleyae, the California designer who took charge of her hair destiny and created gorgeous hats lined with silk to protect kinky and curly textures when they're most prone to winter breakage. Her offerings include berets, fedoras, and beanies, all gorgeous and all supremely — dare I say it? — cozy.
If you're more of a Carhartt devotee, please direct your noggin to these National Parks beanies, coveted by every snowboarder you've ever had a college crush on, and with proceeds going back to our natural sanctuaries.
You may also want a cat hat, because… well, who wouldn't?
The Glove
At this point, your gloves and mittens must be phone-savvy or else you'll never wear them. Pendleton went hard with their tech glove, which features three conductive fingers per hand, so you can win Candy Crush while asking, "Why am I still playing Candy Crush?" Land's End makes a leather version that screams "grown up" while letting you swipe right on a match you should have grown out of years ago, while these convertible mittens have serious Limited Too Circa 2001 vibes should your nostalgia get the best of you. (Bonus: they come with a matching hat for all your Clueless holiday rave dreams.)
"Frost yourself" during actual winter frost? Done. Now is the time for layering stone cold gems over your snuggly cashmeres and chunky fisherman sweaters. This Swarovski crystal necklace is 100% glam and makes your favorite stay-at-home crewneck into a whole damn party. The matching ring is equally decadent, and would look gorgeous over a pair of slim black gloves. So would these Turquoise Rings made by indigenous artist Mary Jane Garcia in the Navajo tradition.
More of a turtleneck girl? Sweep your hair into a messy bun and throw on some massive statement earrings, like these jewel-encrusted Lola Ade hoops or the beaded Gigi Earrings from Susan Alexandra, which have the added benefit of being cosigned by Gigi Hadid herself.
The Scarf
Once upon a time, we were high school girls who could not afford the Alexander McQueen Skull Scarf. Today, we are women (hooray!) and Sarah Burton has reissued the must-have celebrity staple of 2005 in a red-and-maroon colorway that's more subtle, but still super amazing… and also (very important) it's warm. And okay, fine, this Etsy version is just $28 and pretty gorgeous, too.
If you haven't tried one of Korina Emmerich's Pendleton wool face masks yet, have you ever truly known Cozy Season? Get on this now, before they sell out. Again.
Dayton Daily News, Ohio
Hundreds of Christmas trees get new life in Eastwood Lake
Jan. 20—About 500 Christmas trees were sunk into Eastwood Lake on Wednesday morning to provide habitat for fish. Five Rivers MetroParks started accepting Christmas tree donations on Dec. 26 as a way to recycle trees that would otherwise end up in landfills. "By sinking these trees, we're adding a natural resource that will provide refuge and feeding areas for fish," said Grace Dietsch, ...
The Register-Herald, Beckley, W.Va.
Greg Kade, well-loved former police officer and board member of Family Worship Center, has died
Jan. 20—A well-loved former police officer and board member of Family Worship Center in Beckley has died, Raleigh County Sheriff Scott Van Meter announced Wednesday. Gregory Shawn Kade, 46, passed away Tuesday, following an unexpected and short illness that started around Christmas. Many in Beckley and Raleigh County prayed for Kade to recover and sent messages of support to his wife, Melissa. ...
The Joplin Globe, Mo.
MSSU women face road tests against nationally-ranked FHSU, UNK
Jan. 20—The Missouri Southern women's basketball team has a chance to earn respect this week. The Lions, who sit fourth in the MIAA with a 10-5 overall record and 7-3 conference mark, face two pivotal road matchups against the top two teams in the league. MSSU opens this week at Fort Hays State (15-1) at 5:30 p.m. Thursday followed by Nebraska Kearney (14-2) at 2 on Saturday. Both MIAA foes ...
The Portsmouth Daily Times, Ohio
Titans top Oaks in close one
Jan. 20—PORTSMOUTH — The Titans are now back to .500. That's because host Notre Dame, in a non-league encounter on Tuesday night, defeated the Oak Hill Oaks for the second season in a row —winning 68-65 atop Sunrise Avenue. Both schools are members of the Southern Ohio Conference, but reside in opposite divisions. With the win, Notre Dame is now an even 6-6 —while the junior-laden Oaks fell to ...
Howard County Times, Columbia, Md.
Howard leaders, residents call for emergency legislation to allow for disbursement of monies from Citizens Election Fund
Jan. 20—Howard County Council members were bombarded with pleas on Tuesday night to pass emergency legislation allowing for the disbursement of funds from the Citizens' Election Fund to candidates in contested county races. About 15 people, including former County Executive Allan Kittleman, who is again running for that position, and former county council members, election fund committee ...
Appeal-Democrat, Marysville, Calif.
Bagley running to replace Yuba County Supervisor Fletcher
Jan. 20—Bob Bagley, of Loma Rica, announced Wednesday that he is running to replace Yuba County District Five Supervisor and Chair Randy Fletcher, who said he will not be seeking a third term this year. Fletcher, who was named chair of the Yuba County Board of Supervisors last week, has endorsed Bagley to replace him. Fletcher has been on the Yuba County board since 2017 and this was his ...
Bangor Daily News, Maine
Thoughts of my dad stir memories of an unforgettable ice fishing outing
Jan. 20—It's hard not to get a little nostalgic today. It was exactly 28 years ago that my dad died suddenly of a heart attack. He was 58. Bill Warner, a 36-year member of the Bangor Daily News sports staff, gave me an appreciation for many things. Not the least of those is a love of baseball. On a handful of occasions, he took me ice fishing. So today I'm looking back fondly on one of those ...
The Daily Star, Oneonta, N.Y.
EDITORIAL: 'Less' doesn't mean 'not' in COVID fight
Jan. 20—In the past week, two of our four counties hit a grim milestone. Otsego and Chenango counties each reported its 100th resident had died of COVID. With Delaware's toll at 89 and Schoharie's at 32, that makes 321 people who are no longer with us because of the coronavirus pandemic that hit our area less than two years ago. In the beginning there wasn't much we could do except wear masks, ...
The Laurinburg Exchange, N.C.
Church Community Services scheduled to be closed Friday; food giveaway is Wednesday and Thursday
Jan. 20—LAURINBURG — The impending winter storm is changing the way Church Community Services of Scotland County will be distributing food to those in need this week. The group's usual hours are 8:30 a.m. to 12:30 p.m. and visitors typically bag their own food, but since snow and ice are expected to move into the area Thursday night and Friday morning, Church Community Services won't be open ...
The High Point Enterprise, N.C.
Man threatens diners with scissors
Jan. 20—THOMASVILLE — A Thomasville Police Department officer who had just finished lunch at a local restaurant Wednesday intervened to arrest a man threatening diners with scissors. Just before 12:15 p.m., the officer was in the parking lot of East Coast Wings on Randolph Street when he learned from patrons exiting the restaurant that a man inside was brandishing scissors and demanding money, ...
Leader-Telegram, Eau Claire, Wis.
Police: High-end theft ring targets EC Scheels
Jan. 20—EAU CLAIRE — A Minnesota man who attempted two high-end thefts at the Eau Claire Scheels store is linked to similar thefts at Scheels stores in Minnesota, police say. Zachary T. Devries, 33, of Robbinsdale, is charged in Eau Claire County Court with a felony count of retail theft. A warrant has been issued for Devries' arrest. According to the criminal complaint: An Eau Claire police ...
The Bemidji Pioneer, Minn.
WOMEN'S HOCKEY: Kerigan Dowhy returns to crease after overcoming knee injury
Jan. 20—BEMIDJI — It was a long road back for Kerigan Dowhy. After suffering a grade 2 partial tear of her MCL at Ohio State in October, Dowhy worked for months to restore strength and flexibility to her knee. She was cleared for the Bemidji State women's hockey team's series against No. 1 Wisconsin that started on Dec. 10. But it would take her another month to find an opportunity to take the ...
We want to answer your questions about this year's more complicated tax returns
Jan. 20—A host of issues could make filing 2021 taxes more complicated this year on top of the expected delays at the understaffed Internal Revenue Service, which is still processing last year's returns. Calling the 2021 tax season "the most challenging year taxpayers and tax professionals have ever experienced," National Taxpayer Advocate Erin Collins said in her annual report to Congress ...
Try these sausage-stuffed baked apples for a hearty winter breakfast
Jan. 20—A cold weather day needs a strong warm breakfast start. This is no time for cereal with cold milk poured over it. In summer, yogurt and fruit really appeals, but less so when the wind is rattling your house. Even toast cools off too much to fortify us for scraping ice off windshields. Here's a grand warm way to start the day suggested by my niece Sarah who pondered aloud how a baked ...
The Dominion Post, Morgantown, W.Va.
Mon Schools: Some bus routes still not passable Wednesday morning
Jan. 20—MORGANTOWN — Presenting the latest inductees to the Monongalia County Winter-Sideways-Driving Hall of Fame: Lazelle School Road, Beulah Road and Pixler Hill Road. Sandbank Road and Nicholson Loop, too. Not to mention Breakiron Road, Pounds Hollow Road and Hildebrand Lock and Dam Road, to round it all out. Actually, the above are the routes Monongalia County buses didn't run Wednesday ...
The Day, New London, Conn.
Report projects strong economic outlook for Connecticut
Jan. 20—A report released Tuesday projects a sizable state budget surplus in the coming years. The consensus revenue report from fiscal years 2021-23, agreed on by the Legislative and Executive branches' Office of Policy and Management and Office of Fiscal Analysis, predicts the state to have a more than $2.2 billion surplus for this fiscal year and $1.9 billion for next year's. The state is ...
The Blade, Toledo, Ohio
David Briggs: In spurning Miami, Jason Candle makes massive bet on himself and Toledo
Jan. 20—I don't know if the University of Toledo will have a great football team next season. But I do know one thing. Jason Candle believes it will. For that reason, Rockets fans — no shortage of whom were ready to pack Candle's bags for him — should be excited today. With the Toledo coach opting to stay put rather than take his talents to South Beach to become the highly paid offensive ...
Longtime Dayton businessman, philanthropist dies
Jan. 20—DAYTON — Longtime Dayton businessman, philanthropist, and champion of local Catholic schools Peter Kuntz has died. Kuntz died Tuesday at the age of 93. Kuntz served as president of his family's namesake foundation, a supporting organization of the Dayton Foundation, and was involved with a myriad of philanthropic efforts around the Dayton area. A devout Catholic, Kuntz was involved in ...
Local schools partner for CTE marketing training program
Jan. 20—Wheatland Union High School and Yuba College said Wednesday they are partnering for professional development training that will start in February to help promote career and technical education programs. The partnership includes a training program called Catapult and it's sponsored by Kevin Fleming, a nationally recognized expert in career and technical education (CTE) on high school ...
A look at bills introduced Wednesday, Jan. 19
Jan. 20—MORGANTOWN — Here is a look at some of the bills introduced on Wednesday, Jan. 19. Local sponsors and cosponsors, if any, are noted. SB 426, to raise the tax on tobacco products and e-cigarette liquids. The tobacco tax would go from $1.20 to $1.50 per pack. SB 428, to raise the state minimum wage to $10.50 per hour with subsequent annual raises, starting in 2025, geared to inflation. ...


Cleary Gottlieb recently represented Empresa Nacional del Petróleo (ENAP), Chile's largest hydrocarbon producer and the country's only petroleum product refiner, in a $200 million senior unsecured term loan facility with HSBC Bank USA, N.A., as Administrative Agent, and HSBC Securities (USA) Inc. and The Bank of Nova Scotia, as Joint Bookrunners and Lead Arrangers. The loan matures in 2018. Signing took place on November 18.


Often in the high-tech, fast paced arena of health professions education, community engagement may be ignored. One rural, Southern university with a large health sciences division did not allow this to occur and has provided an opportunity for engagement and scholarship through a Mini-Med School. This multi-session education experience introduces members of the general public to academic and professional experiences of a medical education, and includes an interactive health fair session. The health fair session relies on the collaboration of multiple health professions – medicine, nursing and dietetics, thus promoting faculty and students from these health professions to engage in dialogue, training and interaction with each other and the community participants. This activity has been deemed extremely successful in promoting engagement of individuals and groups on multiple levels and thus provides an exemplar for others to follow.
Since the early 1990's, scientists and interested lay people have met in the Mini-Med Schools experiences throughout the U.S. Mini-Med school, in some locations, is an open lecture series. In others, like the one offered at the [University] from 1998- 2002 and again in 2007, is a multi-session education experience exposing members of the general public to the academic and professional experiences of a medical education. The Mini-Med school is designed to foster a better understanding of the role medical school and related programs such as Nursing and Allied Health, plays in its community. There have been few papers describing this program, although the National Institutes of Health (NIH) Office of Science Education published a planning guide (2006). This paper, then, is meant to describe how one southeastern university medical school conducted a Mini-Med school, the partnerships developed between the school and the community as well as between health professionals and students engaged in this effort. We also report on the results of the "Doctoring Experience", one of the experiential learning activities for participating community members.
The concept was brought to the School of Medicine by a representative from the [company] that provided a small unrestricted grant for the first three years and the program was offered subsequently for five consecutive years. It was offered with internal funding for an additional two years. The program included a variety of presentations offered over a 6 week period.. These dealt with cutting edge developments in medicine and provided hands on learning with new technology as well as question-and-answer sessions among faculty and participants. . The sessions, attended by more than 500 individuals were taught by physicians and researchers in their fields who were chosen for their ability to make the technical language of medicine understandable to the non-medical public and who volunteered their time.
The objectives of the program were to assist participants to develop understanding of the following: 1) The primary care mission of the University; 2) the disease and health conditions especially prevalent in the region; 3) the growing emphasis in medicine on health improvement and disease prevention; and, 4) the importance of research in improving health care.
The program highlighted health concerns of the region and included heart disease and stroke, cancer, diabetes and obesity. Special areas of training received by some health professional disciplines were included, such as biomedical research, medical humanities and ethics, medical communication and patient education, and the use of evidence based medicine. The program also demonstrated some of its treatments and telemedicine, along with lower technology training of students using standardized patients.
popular program based on its high attendance rates, waiting lists for the next offerings and comments made on evaluations completed after each session rating the quality of the presentations and interactive activities. We wanted, however, to have a more objective measure of the impact of Mini-Med School and chose to evaluate the impact of the "Doctoring" experience which gave participants information about their own health status.
In 2003, The Institute of Medicine called for educating all health professionals to deliver collaborative patient-centered care via interprofessional practice (Greiner & Knebel, 2003). Our 2007 Mini-Med school provided student volunteers an excellent opportunity to experience interprofessional practice. Thirty-six students from dietetics, nursing, and medicine along with primary care resident physicians, interacted with each other and Mini-Med school participants in a "Doctoring" experience. . All students, within their own professional school, completed the University and School of Medicine confidentiality module. The students of the various disciplines were trained together, by health professions faculty, to manage stations where each participant had their diet analyzed, body composition measured, lifestyle screened for diabetes, hypertension and cardiovascular disease. Most of the students had no direct experience or training with these measurements. An Interprofessional Training Session was held the week prior to the "Doctoring" experience which included a review of confidentiality concepts and practicing the measurements on themselves and each other. In the earlier Mini-Med schools faculty managed these stations but only provided oversight during the 2007 event.
The students experienced "Doctoring" from a patient's viewpoint, increasing their sensitivity to patient concerns. They had the opportunity to informally interact with the general public about their desires to serve their community in a health profession. Students learned psychomotor skills such as finger stick blood sugars, insulin injections, taking a blood pressure, and measuring ankle-brachial index and learned the value of screenings to educate and empower healthcare consumers to promote change in health behaviors. Students also had the opportunity during the "Doctoring" experience to improve their communication skills with consumers.
Participants to the Mini Med School were recruited through a mailing to community leaders as well as paid newspaper advertisements. The promotional literature promised the participants that the program would enlighten, entertain, and familiarize participants with medical terminology and to provide insight into biomedical research and patient care.
Adult men and women from a wide variety of occupations, and who had a strong desire to learn more about medicine and medical education and were willing to commit 18 hours over a period of six weeks to fulfill this wish enrolled in the sessions. The class size was typically limited to 90 people on a first-come-first-serve basis.
Prior to the 2007 Mini-Med School, IRB approval was obtained from the University and Medical Center Institutional Review Board of [University] to collect survey data concerning the participants. Additionally, participants signed a consent form on the first night of the Mini-Med School after attending a presentation on the process of Human Subject Research Review. Participants were able to refuse to participate in any component of the program and their consent to participate in the results reported in this paper was based upon them voluntarily turning in a copy of the form at the end of the session.
During the "Doctoring Experience," participants were divided into small groups and had the opportunity to rotate through eleven interactive stations where they learned to use the same screening tools medical students employ to help adult and pediatric patients understand how their lifestyle contributes to obesity and chronic disease (previously discussed). Each participant received a "Doctoring Experience Report Card" on which the results of their screenings, as well as their answers to some health history questions, could be recorded. The participants retained a copy and a copy was turned in for a door prize drawing, if the participant desired to do so. All participation was completely voluntary and participants completed only the questions and activities they desired.
instruments included a Calcium IQ Quiz, Rate Your Plate (non-DASH version) dietary assessment, and Diabetes Risk Test. "Rate Your Plate" and the "Calcium IQ Quiz" provide quick assessments and have been developed or revised and evaluated by dietitians in the [University] Department of Family Medicine.
The "Rate Your Plate" instrument assesses how individuals are doing in making healthy choices related to their eating patterns based upon their typical, or usual, intake of various foods. The "Rate Your Plate" scores are interpreted as follows: 18 to 28 points = there are MANY ways to make your eating patterns healthier; 28 to 41 points = there are SOME ways to make your eating patterns healthier; and, 42 to 54 points = you are making MANY healthy choices. (ECU Family Practice Center, 1998).
The "Diabetes Risk Test" (National Diabetes Education Program, 2011) helps determine one's risk of developing pre-diabetes or type 2 diabetes. The guides one through a brief series of "yes/no" questions with points assigned to each. A score of 10 or greater represents that an individual has an increased risk of developing pre-diabetes or type 2 diabetes if they continue with their current lifestyle.
Sixty-four (91%) of the 70 participants completed the evaluation. Of these 70% reported that they participated in most of the interactive stations.
Participants were asked whether they found the interaction with the students to be a positive experience and all responded that their interactions were very positive. Following is a summary from the 2007 Mini-Med School of the demographics of the participants as well as an overview of their "Doctoring Experience" results indicating their own health status.
Data were collected from 64 participants, representing 91% of the entire group. The mean age of the sixty-four respondents was 47 years, with an age range of 19 to 86 years. The majority were female (63%) and Caucasian (83%). Forty-seven percent held a graduate degree while only 4% held a high school diploma as their highest degree earned. In terms of internet use, 12% reported that the never or infrequently used the internet and 47% reported using the internet often. Additionally, 71% of respondents reported that they had taken information they found on the web with them to discuss with their physician, indicating that consumers do seek health information on their own.
Participants had the opportunity to determine their height, weight, waist to hip ratio, body mass index (BMI) and answer questions related to their weight as a child as well as the weight of their own children. In this sample, 18 (28%) had a BMI of between 25 and 30 kg/m2 while another 18 (28%) had a BMI greater than 30. Of those with a BMI equal to or greater than 30, only 8 (13%) reported being overweight as a child and most reported (10, or 56%) becoming overweight after the age of 20. Of those with a BMI > 25, only 15 (23%) reported that a physician broached the subject of weight with them, and 19 (83%) of those reported that they had attempted at some point to lose weight after their physician mentioned it.
Forty-seven participants reported their score on the "Rate Your Plate" instrument, which assesses whether or to what extent individuals are making healthy choices related to their eating patterns based upon their typical intake of various foods. Of these participants, 36 (76.6%) had a score of 42 or higher, indicating that the majority of the respondents were already making healthy choices in regards to their eating patterns.
Forty-nine participants reported their score on the "Calcium IQ Quiz." It is recommended that individuals age 19 to 50 years have a daily calcium intake of 1,000 mg and those over 50 years 1, 200 mg (NIH, 2011). Of the respondents, only 13 (26.4%) reported a calcium intake of 1,000 mg or more over the past 24 hours.
their physician to be active for at least 30 minutes a day on most days of the week, and only 7 (10%) were encouraged to engage in strength training at least two times per week.
In this sample (N=64), 7.8% reported having been diagnosed with diabetes and all were taking either oral medication and/or insulin. While only 5 (7.8%) reported a diagnosis of diabetes, only 6 (9.4%) had been told by their physician at some time that their blood glucose level was high.
Participants had the opportunity to have their blood glucose levels checked via a finger stick. These were considered random blood glucose readings as they were taken without regard to when the individual last ate food. A blood glucose reading is one of the assessments used to assist in diagnosing diabetes. The American Diabetes Association 2008 Clinical Practice Guidelines state that a random blood glucose level of 140 to 199 mg/dL may be diagnostic of pre-diabetes, while a random level of 200 mg/dL or higher may be diagnostic of diabetes (American Diabetes Association, 2008). Of the participants who completed this screening (N=60), fifty-four (90% ) had a random blood glucose level between 71 and 129 mg/dL, 4 (6.7%) between 142 and 160 mg/dL (pre-diabetes range), and 2 (3.3%) of 200 mg/dL or greater (diabetes range). Participants also had the opportunity to complete the American Diabetes Association Diabetes Risk Test. A score of 10 or greater represents that an individual has an increased risk of developing diabetes if they continue with their current lifestyle. Of the 36 participants who reported their score on this risk test, 11 (30.6%) reported a score of 10 or greater, indicating an increased risk of developing pre-diabetes or type 2 diabetes.
Information related to cholesterol, LDL, HDL and triglyceride levels was self-reported. In this sample, 14 (87.5%) reported having their cholesterol tested within the past two years and only 5 (7%) of participants reported the values for their LDL, HDL and triglyceride levels (the majority of which were within the desirable range). Of the respondents, 16 (38%) reported that they had been told that their cholesterol was too high and 12 (30.8%) had been encouraged to change their diet due to this, but only 7 (10%) reported actually making dietary changes and 8 (18.6%) stated they take medication for their high cholesterol levels.
Participants in "The Doctoring Experience" were asked, "Based on what I learned today, I am motivated to change personal behavior." Of the respondents, 56 (86.2%) replied "yes".
Students participating in the interdisciplinary teams responded to an open-ended survey concerning the experiences. The student volunteers from all disciplines were extremely positive as they reflected on the experience, with 100% reported satisfaction with the experience.
For these respondents, the rates of overweight and obesity were slightly lower than the national average. In the United States, about two-thirds (66%) of adults age 20 and older are overweight or obese as indicated by a BMI of > 25. Of these nearly one-third (31.4%) are considered obese, with a BMI > 30 (NIH NIDDK, 2007). In this group the comparable percentage was 56%. It may be that this group was more highly educated and therefore more aware of the importance of maintaining a healthy weight. It is also interesting to note that this group scored highly on the "rate your plate" exercise indicating that as a whole they are making healthy food choices. Yet the majority are still in the overweight or obese category.
The majority of respondents, 62.5%, reported that they followed their physician's recommendations for physical activity most of the time. This number seems quite impressive as only 26% of adults in the U.S. engage in vigorous leisure-time physical activity three or more times per week and 59% do no vigorous physical activity at all in their leisure time (NIH NIDDK, 2007). We note, however, that less than 25% reported that their physicians discussed their weight or exercise regimen with them. This is consistent with other reports in the literature reporting that physicians and nurse practitioners do not readily discuss weight control issues (Pollack et al, 2010).
In the United States, as the prevalence of obesity has increased, so has the prevalence of diabetes, particularly type 2 diabetes. In 2007, the prevalence of diagnosed and undiagnosed diabetes in the U.S. for all ages was estimated to be 7.8% of the population. (U.S. Department of Health and Human Services, 2008). In this group 8.1% reported having been diagnosed with diabetes, thus they were comparable in this aspect to national norms.
The participants in this program would most likely be in the second or third stage of change. One might assume that some resistance has been overcome through the program participation. The positive response to the item asking about plans to change would suggest that change is under consideration or that the individual might be actively planning how to bring about the change.
Mini-Med School in this University has united the University and Health Sciences Division and the community at-large and has been successful at integrating teaching, research, service and community engagement. Community members engaged in this experience were able to see and experience first-hand what the major University in their area has to offer the region in terms of health care and in education of health professionals to serve this region. They had opportunities to learn about current, cutting-edge topics and research in healthcare and how it might relate to them. Additionally, they had the opportunity to learn more about their own health, through the "Doctoring Experience", and how to promote a healthier lifestyle for themselves and their families.
In conclusion, interprofessional work with multiple disciplines can lead to extremely successful interactions, events and engagement. The Mini-Med School program was an example of such a successful interaction. All groups involved in this project interacted with one other and found that a positive activity. Future evaluation should focus on determining the degree of impact the program has had in bringing about healthier behaviors in the participants and also the effect of interprofessional education activities on each professional group.
American Diabetes Association. (2008). Diagnosis and classification of diabetes mellitus. Diabetes Care, 31, S55-S60.
ECU Department of Family Medicine. (1998). Rate your plate (non-DASH version). Retrieved March 14, 2011, from http://www.ecu.edu/csdhs/fammed/customcf/resources/nutrition/rate_plate_non-DASH.pdf.
ECU Department of Family Medicine. (1999).
Calcium IQ quiz. Retrieved March 14, 2011, from http://www.ecu.edu/cs-dhs/fammed/customcf/resources/nutrition/calcium_IQ.pdf.
Greiner, A.C., & Knebel, E. (Eds.). (2003). Health professions education: A bridge to quality. Washington, DC: National Academies Press.
Kritsonis, A. (2004-2005). Comparison of change theories. International Journal of Scholarly Academic Intellectual Diversity, 8(1), 1–7.
Littell, J.H., & Girvin, H. (2002). Stages of change: A critique. Behavior Modification, 26, 223-273.
National Diabetes Education Program. (2011). Diabetes, You Could Be At Risk. Retrieved June 30, 2008, from http://www.ndep.nih.gov//media/you_could_be_at_risk.pdf .
National Institutes of Health, National Heart, Lung, and Blood Institute. (2008, April). High blood pressure. Retrieved June 30, 2008, from http://www.nhlbi.nih.gov/health/dci/Diseases/Hbp/HBP_WhatIs.html.
Pollak, K.I., Alexander, S.C., Coffman, C.J., Tulsky, J.A., Lyna, P., Dolor, R.J., James, I.E., Brouwer, R.J.N., Manusov, J.R.E. & Ostbye, T. (2010). Physician Communication Techniques and Weight Loss in Adults: Project CHAT. American Journal of Preventive Medicine, 39 (4), 321-328.
U.S. Department of Health and Human Services. (2008). National diabetes statistics, 2007 (NIH Publication No. 08-3892). Washington, DC: National Diabetes Information Clearinghouse.
Annette I. Peery is an assistant professor in the College of Nursing and Kathryn M. Kolasa is professor and section head of Nutrition Services and Patient Education, Family Medicine and Pediatrics, in the Brody School of Medicine—both at East Carolina University.


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Q: Question related to changesets I uploaded a changeset from sandbox to production. If I delete the change set in the source org, should it still be available in production? What will be the effect of deleting the changeset in the source on destination.

A: The two orgs are independent of one another. Deleting change sets in your sandbox will have no affect on the change sets that have been uploaded to your production org.
Assuming no relevant changes have been made in your sandbox, a change set that's been deleted could be re-created at a later time. Otherwise, it would come down to an issue of version control, if that at all applies to your situation.
Its not unusual to have a change set that installs a new trigger and another change set that turns the trigger off; thus restoring the production org to it's original condition. As development progresses on the new trigger, one might want to delete earlier versions of the change set that installs it since they'd be of no use in the future if that version of the trigger contained bugs.

redpajama_set_name: RedPajamaStackExchange


The post is to support an 11 year old boy who has autism, limited communication, non-verbal, challenging behavior and is doubly incontinent. He will require social support with activities either within or outside of the family home.
Social activities within the home or in the community such as going for a walk or to the park.
Support may be needed with personal care, toilet training and feeding.
No previous caring experience is necessary. You should be able to provide high quality care and support and should possess the motivation to develop trust and understanding within the role.
You should be hardworking, honest, patient, have a good sense of humour and be committed to the role.
Hours are flexible and can be discussed at interview as they are 6 hours per week 14 weeks per year. Days to be arranged.


text:
Q: Web Api 2 404 error I'm getting a 404 error when trying to call the following method with the following url
    [HttpGet]
    [Route("api/Trinity/GetDirectoryAndTask/{modelTemplateId}/{taskName}")]
    public KeyValuePair<string, string> GetDirectoriesAndTasks(int modelTemplateId, string taskName)

http://localhost:46789/api/Trinity/GetDirectoryAndTask/9/Tax+H%3a+AG43SS+GMIB%3b+no+fpws%3b+d%26r
This url comes from calling HttpUtility.UrlEncode() on the string "Tax H: AG43SS GMIB; no fpws; d&r". If there's another way to accomplish passing this string I'm open to that as well.
The method works fine if I call it ith a "simpler" task name like so
http://localhost:46789/api/Trinity/GetDirectoryAndTask/9/Roth
I installed the RouteDebugger nuget package but it wasn't very helpful. For completeness here is my WebApiConfig.cs file
    using System.Web.Http;

    namespace DbService
    {
        public static class WebApiConfig
        {
            public static void Register(HttpConfiguration config)
            {
                // Web API routes
                MapRoutes(config);
            }

            private static void MapRoutes(HttpConfiguration config)
            {
                config.MapHttpAttributeRoutes();

                //config.Routes.MapHttpRoute(
                //    name: "DefaultApi",
                //    routeTemplate: "api/{controller}/{id}",
                //    defaults: new { id = RouteParameter.Optional }
                //);
            }
        }
    }

and RouteConfig.cs file
    using System;
    using System.Collections.Generic;
    using System.Linq;
    using System.Web;
    using System.Web.Mvc;
    using System.Web.Routing;

    namespace DbService
    {
        public class RouteConfig
        {
            public static void RegisterRoutes(RouteCollection routes)
            {
                routes.IgnoreRoute("{resource}.axd/{*pathInfo}");

                routes.MapRoute(
                    name: "Default",
                    url: "{controller}/{action}/{id}",
                    defaults: new { controller = "Home", action = "Index", id = UrlParameter.Optional }
                );
            }
        }
    }

A: The error you are receiving is:
HTTP Error 404.11 - Not Found
The request filtering module is configured to deny a request that contains a double escape sequence.
To solve the problem you can apply some settings in your web.config file:
1- Under <system.webServer> under <security> you should have :
<requestFiltering allowDoubleEscaping="true"></requestFiltering>

2- Under <system.web> you should have:
<httpRuntime targetFramework="4.5" requestPathInvalidCharacters="" />

The second setting allows you to have : in your path.

A: The reason your api call is failing is because of the characters % and +, in the URL. Structure or design your api call URL to eliminate these characters as in the case of your successful api URL


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text:
using System;
using System.Collections.Generic;
using BenchmarkDotNet.Extensions;
using BenchmarkDotNet.Horology;

namespace BenchmarkDotNet.Mathematics
{
    public class PercentileValues
    {
        /// <summary>
        /// Calculates the Nth percentile from the set of values
        /// </summary>
        /// <remarks>
        /// The implementation is expected to be consitent with the one from Excel.
        /// It's a quite common to export bench output into .csv for further analysis
        /// And it's a good idea to have same results from all tools being used.
        /// </remarks>
        /// <param name="sortedValues">Sequence of the values to be calculated</param>
        /// <param name="percentile">Value in range 0..100</param>
        /// <returns>Percentile from the set of values</returns>
        // BASEDON: http://stackoverflow.com/a/8137526
        private static double Percentile(List<double> sortedValues, int percentile)
        {
            if (sortedValues == null)
                throw new ArgumentNullException(nameof(sortedValues));
            if (percentile < 0 || percentile > 100)
            {
                throw new ArgumentOutOfRangeException(
                     nameof(percentile), percentile,
                     "The percentile arg should be in range of 0 - 100.");
            }

            if (sortedValues.Count == 0)
                return 0;

            // DONTTOUCH: the following code was taken from http://stackoverflow.com/a/8137526 and it is proven
            // to work in the same way the excel's counterpart does.
            // So it's better to leave it as it is unless you do not want to reimplement it from scratch:)
            double realIndex = percentile / 100.0 * (sortedValues.Count - 1);
            int index = (int)realIndex;
            double frac = realIndex - index;
            if (index + 1 < sortedValues.Count)
                return sortedValues[index] * (1 - frac) + sortedValues[index + 1] * frac;
            else
                return sortedValues[index];
        }

        public double Percentile(int percentile) => Percentile(SortedValues, percentile);

        private List<double> SortedValues { get; }

        public double P0 { get; }
        public double P25 { get; }
        public double P50 { get; }
        public double P67 { get; }
        public double P80 { get; }
        public double P85 { get; }
        public double P90 { get; }
        public double P95 { get; }
        public double P100 { get; }

        internal PercentileValues(List<double> sortedValues)
        {
            SortedValues = sortedValues;

            // TODO: Collect all in one call?
            P0 = Percentile(0);
            P25 = Percentile(25);
            P50 = Percentile(50);
            P67 = Percentile(67);
            P80 = Percentile(80);
            P85 = Percentile(85);
            P90 = Percentile(90);
            P95 = Percentile(95);
            P100 = Percentile(100);
        }

        public string ToStr(bool showLevel = true) => $"[P95: {P95.ToStr()}] [P0: {P0.ToStr()}]; [P50: {P50.ToStr()}]; [P100: {P100.ToStr()}]";
        public string ToTimeStr(TimeUnit unit = null, bool showLevel = true) => $"[P95: {P95.ToTimeStr(unit)}] [P0: {P0.ToTimeStr(unit)}]; [P50: {P50.ToTimeStr(unit)}]; [P100: {P100.ToTimeStr(unit)})]";
    }
}

redpajama_set_name: RedPajamaGithub


Establishing an RTOs' model of blended learning is important before implementing or extending using an LMS, including Moodle. Moodle, an open source Learner Management System, provides a wide range of digital learning content and activity options. We'll reinforce that shifting part of all our delivery to an LMS requires an ongoing role for trainers and assessors to support and facilitate learning with students.
Set and use basic communication tools in Moodle.
Set and use basic content delivery tools in Moodle.
Establishing assessment tools in Moodle.
The critical role of trainers in managing students in Moodle.
Using Moodle for collaborative and group work tasks.
Understand the potential of Moodle for blended delivery and application to RTO context.
Compile a checklist of good Moodle practice for writing digital content, developing activities and encouraging students to work together.
Understand how assessment tools in Moodle can support individual and group assessment.
Review approaches to implementing Moodle at your RTO.
Consider how gamification, Social Learning and Flipped Classroom trends can be harnessed with Moodle.
Mick commenced e-learning while working in the Learn Local sector in the mid-1990s. He began mentoring ACE teachers in 1998 before setting up an RTO with his videographer partner Erin. Now through Yum Studio, he oversees a variety of coaching, mentoring and training programs to assist educators and RTOs to introduce learner centred approaches to digital learning. Mick is also a digital learning designer and digital facilitation coach.


Nelson Ireson August 21, 2011 Comment Now!
It seems like the winner at Pebble Beach is chosen through a mixture of politics, personal history, effort required in restoration (though not necessarily that of the owner), and money spent--but picking a winner of any kind out of the stellar assortment of cars arranged here this week is bound to be a difficult proposition. I'm no judge, but these are the five cars that caught my eye as having something even more special than all of the rest of the priceless, rare, storied, or otherwise incredible cars on the fairway today. If it were up to me, one of these would be the winner.
Owners Jonathan and Wendy Segal of San Diego presented this fantastic-looking sports car, which is the road-going versino of the racing A6GCS. Only 21 of these A6G coupes were built.
Owned by Jim Utaski of Skillman, New Jersey, this Siata 208S Motto Spyder is a combination of a Fiat 8V and a Siata chassis with Motto coachwork. Only 35 Siata 8V Spyders were built, and this one is a pristine, fully restored example.
High fashion meets classic luxury design in this VoisinC-25 Aerodyne, restored to impeccable condition and sporting one of the most interesting interiors among this prestigious crowd. Owned by Peter and Merle Mullin of Los Angeles, the car features a 3.0-liter engine with sleeve valves, capable of over 100 horsepower and up to 85 mph quite quick in its day.
Apart from the awesome name, this beautiful bit of machinery features coachwork by LeBaron and a new-at-the-time multi-valve engine for superior performance. Only four were built of this style on the DV-32 chassis, and Richard and Irina Mitchell's Texan example is a great representative.


C++ developer for emscripten/webassembly project needed.
We need a C++ developer to help with a project where we draw images on html5 Canvas using webassembly/emscripten. The issues are mostly in working with fetching files, encryption, extracting frames from videos and this while making sure the code is a small as possible so it doesn't exceed 150kb, so most libraries aren't possible.


text:
Actresess
Top 10 Bollywood Songs
'Jungle Cruise' Sequel in the Works at Disney (Exclusive)
Shah Rukh Khan & Atlee's Film To Go On Floors In Next Month Amid 'Pathan' Break?
Lionsgate Sets Football Drama 'American Underdog' For Christmas
Scam 1992 Fame Pratik Gandhi's Next Film 'Raavan Leela' Gets Its Theatrical Release Date
Jake Gyllenhaal To Play Lead In 'Oblivion Song', An Adaptation Of The Graphic Novel
Alaya F to star in Anurag Basu's upcoming feature
Netflix Releases Trailer for Melissa McCarthy Movie 'The Starling'
Tadap: Tara Sutaria & Ahan Shetty Starrer Will Hit Big Screens In December 2021
Sony unveils the first trailer for Spider-Man: No Way Home
Avengers Infinity War will have 76 characters
January 16th, 2018 | by vBollywood Author
One of the most awaited films Avengers Infinity War is said to be one of the biggest films in terms of scale and scope. The film is expected to bring together a number of characters from Marvel Cinematic Universe together for the first time to face the threat of Thanos. It is a part of Avengers franchise, it also has Guardians of the Galaxy and Doctor Strange among others on the 'good' side. The film might be the first superhero film to match the scale of epic films like the Lord of the Rings and Star Wars. The team is looking at deciding a concrete number as to how many characters will be in the movie finally.
Chris Hemsworth, who will be seen in the role of Thor in Marvel films and who was recently seen in the role in Thor: Ragnarok, said in an interview to The Toronto Sun, "This is one of the biggest things in film history and to be a part of it was just incredible. I think what these characters are about to face — with Thanos — there's been nothing quite like it. There are 76 cast members or something like that. I think what people are going to be excited about is what I was excited about and that's Thor meeting the Guardians and Iron Man meeting Doctor Strange."
Hemsworth also mentioned about the scale and size of the film, and the complications that happen with it. "They're going to be massive. I finished literally two days ago and I looked at (directors) Joe and Anthony (Russo) and said, 'I don't know how you guys have gotten this far and I don't know how you're going to hold it together and complete this thing, but my hat's off to you.'"
Meanwhile, their international trailer for Marvel's upcoming film has released online. There is no new footage, is going to appear with renewed editing.
Avengers: Infinity War will be ready to release in India on April 27.
Photo courtesy: www.indianexpress.com
vBollywood Author
manisha.surange@eigital.com
Movie Review: WAR March 19th, 2020
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Movie Review: Chhichhore March 19th, 2020
Radhe: Your Most Wanted Bhai | Official Trailer
https://www.youtube.com/watch?v=zPl7y5yBzuo&t=2s
Werewolves Within – Official Movie Trailer (2021)
https://www.youtube.com/watch?v=YPwpKlM7LbQ
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redpajama_set_name: RedPajamaCommonCrawl


Only a few of our best recipes are featured on our cover. See them here and make them yourself.
This dish combines the robust flavors and cheesy bread topping of French onion soup with chicken pot pie. It's so quick and easy to make you'll hardly notice it requires ten ingredients. Serve with a green salad tossed with fresh citrus, sliced avocados, toasted pecans, and bottled raspberry vinaigrette.
With its light, creamy texture and citrusy flavor, Lemon Cheesecake Pie is a slice of sunshine.
Fresh basil and lemon zest add a summery twist to our favorite marinated shrimp. Easy-to-make Parmesan cheese baskets double as crisp and stylish serving dishes.
Watermelon Cups offer an uptown take on a down-home favorite. Serve them brimming with fresh honeydew, cantaloupe, blackberries, and mint sprigs.
Enjoy a spectacular holiday feast with Pear-Glazed Pork Roast, Twice-Baked Sweet Potatoes, Rice Timbales, Sautéed Beans and Peppers, and Cranberry-Apple Pie garnished with a wreath of Pecan Pie-Glazed Pecans.
Dig in! Enjoy a bowl of 30-Minute Chili and hot cornbread loaded with shredded cheddar cheese and fresh chopped cilantro.
Nothing says fall better than the sweet scent of apples baking in the kitchen. Try this creative way for enjoying this fruit at its best.
This is a meal your guests will remember. Add color to Holiday Pork Loin Roast with Cranberry Sweet Potatoes and steamed green beans. Serve your favorite dressing in individual baking dishes, and finish with Pecan Cheesecake Pie.
Good to the last crumb, a Bundt cake recipe is as grand as a layer cake but far less fussy. Add Fluffy Wintry-White Icing and Sparkling Peppermint Candy for a spectacular finish. For an extra special touch, brush the cake stand rim with corn syrup, and roll it in clear sparkling sugar.
Enjoy comfort food at its best with this easy-to-make version of classic banana pudding.
Irresistible Lemon Mousse Tart (top) and Lemon Velvet Tart are both made with creamy white chocolate and our lip-smacking Lemon Curd.
In less than an hour you can serve up this simply divine dessert. Pop it in the oven just before you sit down to eat, and your family can enjoy it warm at meal's end. For individual servings, bake for the same amount of time in 6 (8-oz.) ramekins on an aluminum foil-lined baking sheet.
You have to try this, and we're revealing all our tricks to help you succeed. You'll make a tall tower of fall's favorite fruit--apples--in a crust we promise is great. Plan ahead to cozy up in your kitchen, bake, and anticipate. We think you'll adore each forkful of this top-rated apple pie.
Offer a festive table of Turkey Tenderloins With Cranberry Sauce, Roasted Acorn Squash, Simple Pecan-Green Bean Casserole, and Mini Pecan Pies.
Your favorite corn muffins and our hearty Southwestern Soup make a great combo and will boost your spirits on a chilly day.
This homemade pudding is divine, economical, and uses on-hand ingredients. The pudding has thickened enough when a distinct trail is left in the mixture when you stir with a spoon. The cookies will soften the longer the dessert chills.
Edible violas add a dainty touch to Vanilla Petits Fours, and spreadable fruit provides a yummy filling. These sweet little cakes are sure to be a hit at your next party.
Plump, sweet strawberries await in the farmers market each spring. The seasonal favorite shines in Strawberry-Fruit Toss With Cornmeal Shortcakes. The fruit mixture is also a great topper for ice cream or pound cake.
Mix fresh peaches and blackberries with Greek yogurt, honey, and granola for a quick, nutritious breakfast. Sit down and savor the fresh fruit, or pack it in a container to take on the go with you.
Melons are at their most flavorful in July, so chill out with this summertime refresher.
Cooking over coals isn't just for steaks and burgers any more. Slice into fall's favorite fruit for delicious Grilled Apple Salad.
Delicious pumpkin flavor and pumpkin pie spices make this treat a yummy way to celebrate the season. With only 30 minutes of hands-on time, it's doable for a special dinner party or just a fun treat for the kids.
Crushed gingersnaps pressed into the crust add a spicy depth of flavor in Pumpkin Pie Spectacular.
Easy-to-swirl frosting is only the beginning. Slice into this sweet sensation to reveal its true charm―velvety-rich ganache in layers of moist chocolate cake. Frosting Tip: Using an offset spatula, spread frosting over cake. Then use a spoon from your kitchen drawer to create whimsical swirls.
Share the love with a batch of easy, homemade cookies. No time to pipe? Just dress your cookies up with pretty ribbons.
This delightful spring dessert more than merited running on our April 2010 cover—not just for looks but also for its sweet, summery taste. We couldn't think of a better way to show off the succulent taste and colorful presentation of strawberries, the South's most prized spring fruit.
Take advantage of fresh peaches with this summer recipe. Blanching fresh peaches makes them easier to peel. To do this test kitchen tip drop a few peaches at a time into boiling water for 45-65 seconds. Remove with a slotted spoon and place into ice water for 10-20 seconds to stop the cooking process. If the skin doesn't slide off easily repeat the process keeping the peaches in boiling water for only 30 seconds.
This impressive dessert showcases one of fall's sweetest gems. With simple prep and make-ahead ease, it only looks like you spent hours in the kitchen.
Test Kitchen pro Pam Lolley called on childhood taste memories to create this grand yet easy-to-make cake. The White Icing hides a yummy surprise: no-cook Citrus Filling. For added beauty, use a kitchen torch to lightly brown the edges of the frosting.


11"x14" and 18"x24" Limited Edition Prints of 50 each on watercolor paper. 15 Turtles painted on a nautical chart of Port Canaveral. Please allow about 4 weeks for processing and shipping because this is a brand new piece as seen on Instagram and Facebook.


EDITOR's DESK – I have just recently heard of Kenny and his music and when I checked out his LAY IT ON DOWN ~ EPK I was thoroughly surprised and in awe of his music and decided to do this article in the magazine to support him. The info below was used from his own Bio to give you a better idea who he is.
2004's The Place You're In was a blistering rock record and was followed up by 2007's ambitious 10 Days Out: Blues from the Backroads, for which Shepherd and his band traveled throughout the American South to record with such vintage blues greats as B.B. King, Clarence "Gatemouth" Brown, Hubert Sumlin, Pinetop Perkins and David "Honeyboy" Edwards on their home turf. 2010 saw the release of Shepherd's long-awaited first live album, Live! In Chicago, recorded at Chicago's House of Blues during the all-star Legends tour and featuring guest appearances by such blues legends as Hubert Sumlin and Willie "Big Eyes" Smith.
The live disc debuted at #1 on Billboard's Blues chart, as did 2011's How I Go. In 2013, Shepherd further expanded his musical horizons by teaming with veteran rockers Stephen Stills and Barry Goldberg to form THE RIDES, whose first album Can't Get Enough helped to expand Shepherd's audience as well as his musical resume.
2014 saw the release of Goin' Home, Shepherd's sixth # 1 debut on the Billboard Blues charts. Goin' Home features several talented friends who shared Shepherd's enthusiasm for the project's back-to-basics ethos.
Those guests include fellow guitar icons Joe Walsh, Warren Haynes, Keb' Mo' and Robert Randolph, longtime friend Ringo Starr, Fabulous Thunderbirds frontman Kim Wilson, the Rebirth Brass Band and co-producer Blade's father, Pastor Brady Blade Sr., who lends a bracing dose of preaching to Shepherd's version of Bo Diddley's' "You Can't Judge a Book by the Cover." In the months since its release, Shepherd and his band have toured the world extensively blazing a fresh trail for the historical American art form in the 21st Century.


Antea Group is a global environmental consulting firm with a strong focus on recruiting talented individuals who are looking to start their careers. We offer meaningful work, a culture of empowerment and respect, and career advancement opportunities. Following a summary of Antea Group and what we do, we'll discuss the career development options we offer to interns and entry-level candidates. Let me answer any questions you might have about working at Antea Group and the environmental consulting industry, in general.


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As the title says my aunt has an HP Printer. Windows 7 yours (on Win 8); however, I can't quite remember the fix but it was driver and/or re-installation related. HP Officejet A e-All-in-One Printer - Ea As stated.


text:
2020 Annual Report to Members: Roundtable: The Fund Industry's Response to COVID-19
By Patrice Bergé-Vincent, Marty Burns, and Susan Olson
For the 2020 Annual Report to Members, three members of ICI's leadership sat down to share their thoughts on how the Institute and the fund industry have navigated the COVID-19 crisis.
Below is an abridged version of their discussion. To read the full roundtable, please see ICI's 2020 Annual Report to Members.
Patrice Bergé-Vincent
ICI Global Marty Burns
Chief Industry Operations Officer
ICI Susan Olson
COVID-19 has ushered in a new everyday reality for the fund industry. Take us back to those hectic weeks in March. How did ICI engage with policymakers to support members and their shareholders during this uniquely challenging time?
Olson: Those early weeks were unlike anything we had ever been through—and they certainly came at us fast. But our approach didn't stray too far from how we've handled other challenging situations.
By that I mean, huddling with members to discuss what they were seeing in the markets—what funds and their shareholders were experiencing—and then meeting with policymakers to share that on-the-ground perspective.
This approach guided our engagement with senior officials at Treasury and the Federal Reserve Board, which helped inform their efforts to calm the markets. Same for our discussions with the SEC [Securities and Exchange Commission] and staff, which helped us secure relief to give funds another tool to manage their liquidity, just in case they needed it.
Bergé-Vincent: Here in Europe, we were engaged with policymakers in a wide range of areas. But none more important, I think, than our work to keep financial markets from closing in response to the volatility triggered by the pandemic and the shutdowns of economies.
As the crisis ramped up, we stood shoulder-to-shoulder with other market participants against calls for the markets to close, and led a global effort urging policymakers to commit publicly to keeping them open.
Our thinking here was that such a commitment would assure citizens and businesses that they wouldn't lose access to funding when they needed it most. And we're grateful that, in the end, not a single European country closed its markets.
What about supporting members' own responses to the crisis? ICI was quite active there as well.
Burns: Very much so. Every week—and often more frequently than that—our committees were holding calls for pretty much every area of the industry. Operations, law, the risk officers, the compliance folks—everyone. At times we had several hundred people on a single call—from firms of every size and style you can think of.
Having this holistic view of the fund complex—of the fund business—ensured that our support would reach the entire membership, not just parts of it. Plus, in working with other trade groups, we were able to minimize any bottlenecks that might have disrupted the transaction process or kept the delivery of services to shareholders from running smoothly.
Olson: I would add that our frequent member surveys also played a key role here. Members told us regularly that having a broad understanding of the challenges brought on by the crisis—and responses to it—helped them better assess and improve their operations and compliance efforts.
Why do you think you were able to draw such robust participation?
Burns: You know, members have long turned to our committees as a place for practical, productive discussion to enhance operations for the benefit of fund shareholders.
In times of crisis, this type of forum becomes even more critical. And I think so many folks joined, one, because they were eager for information to bring back to their firms, and two, because they wanted to be a part of the regulatory and operational solution themselves—and turn this information into action.
Data security has been huge.
Burns: You're telling me. Our members are always working with highly sensitive information, and they never stop working to ward off cyberattacks.
But the number of attacks we've seen since the crisis hit—the sophistication of them—it's all been on another level. So members have had to dedicate an enormous amount of energy and resources to shore up their cyberdefenses, get them in place at people's homes, and reinforce sound cyberhygiene practices among their staffs.
I'd like to now fast-forward some, and zoom out a bit beyond the fund industry. Because even as markets have calmed, economies continue to reel.
Patrice, that's certainly true in Europe, which is suffering its worst economic shock since World War II. What role can regulated funds play in Europe's efforts to restore economic growth, and how is ICI engaging here?
Bergé-Vincent: Well, we've been saying it since long before the pandemic. The key to unlocking the EU's economies is a robust Capital Markets Union—one that promotes a greater role for market-based financing and encourages more retail-investor participation.
The same is true now, only the need is even more urgent. And regulated funds—because they've proven so useful for growing household savings and channeling investment to businesses—are well positioned to address this need.
We've emphasized these points to the European Commission in recent months. And the Commission's new Capital Markets Union Action Plan would suggest that our recommendations haven't gone unnoticed.
A lot remains to be done, though. The EU's recovery plan relies for the time being on financing from bank loans and taxpayer money. Those are important sources of financing—don't get me wrong—but they alone won't be nearly enough to deliver a lasting recovery. So our advocacy looking forward will center on showing policymakers why increased retail investor participation in EU capital markets through regulated funds is the missing piece.
You've all worked in and around the fund industry for quite some time, and navigated ICI through more than a few challenges. But I have to ask—what has this crisis taught you about the industry?
Burns: What I've learned is, the industry is even more resilient than we thought. Thinking about that shift to remote work, few of us had ever contemplated something at such a scale and speed.
Yet everyone—and I mean, everyone—really stepped up to ensure that service to shareholders wouldn't suffer.
Bergé-Vincent: It's kind of like everyone in the industry has been put through this big test—a test of tests, if you will. The fact that we're still going strong should give us all confidence that whatever challenges come our way, we can overcome them. Together, we are stronger. That's the big lesson for me.
Olson: And I think that's heartening. Over the past 80 years, funds have evolved constantly to meet the needs of their shareholders, but the industry had never had to navigate something like this.
Now, we know that wholesale change doesn't have to be scary. It doesn't have to worry us. Instead, it can be a spark for serving shareholders even better in the future.
Susan Olson is general counsel and Marty Burns is chief industry operations officer at ICI. Patrice Bergé-Vincent is managing director of ICI Global.
Permalink: https://www.ici.org/viewpoints/21_view_arroundtable
TOPICS: Financial MarketsFinancial StabilityFund RegulationGlobalGovernment AffairsICI GlobalIndex FundInternationalInvestor ResearchMutual FundPolicy ResearchRetirement PolicyShareholder
2020 Annual Report to Members: A Conversation with Paul Schott Stevens
Paul Schott Stevens, ICI's longest-serving chief executive, retired at the end of 2020. As he neared the end of his 16 years of service, he sat down with ICI staff to discuss the events of his tenure.
2020 Annual Report to Members: A Letter to ICI's Membership
By George C. W. Gatch
2020 will go down in history as a year that none of us can ever forget. It was a year of turmoil, fear, and reckoning. Yet for the regulated fund industry, it also proved to be a year of resilience, transition, and great hope.
Read more from ICI Chairman George C. W. Gatch's letter that was released in ICI's 2020 Annual Report to Members.
Value Is in the Eye of the UCITS Holder
By Giles Swan
ICI research shows a steady decline in the cost of UCITS investing. European regulators are looking beyond just declining cost, however, by requiring UCITS managers to justify the value of these funds to investors. But how do investors assess value relative to cost, and what is the role of regulators?
TOPICS: Equity InvestingEuropeFund RegulationICI GlobalInternationalShareholder
A New Benchmark for Distribution Oversight
By Ahmed Elghazaly
On June 1, the fund industry achieved a milestone for global cooperation. In an industry-led agreement, fund distributors and fund managers of Undertakings for the Collective Investment in Transferable Securities (UCITS) and alternative investment funds (AIFs) joined together to issue a common protocol for distribution oversight.
TOPICS: EuropeFund GovernanceFund RegulationGlobalICI GlobalInternationalOperations and TechnologyShareholder
2019 Annual Report to Members: ICI's International Work
By Miriam Bridges
With the industry's interests bound ever more tightly to global trends, ICI pursues an active international agenda through its international arm, ICI Global. ICI's international work in 2019 was a period of vigorous effort on a host of issues....
TOPICS: CybersecurityExchange-Traded FundsFinancial MarketsFinancial StabilityGlobalICI GlobalInternationalOperations and TechnologyRetirement Policy
2019 Annual Report to Members: A Letter to ICI's Membership
By George C. W. Gatch and Paul Schott Stevens
What follows is an abridged version of a letter by ICI Chairman George C. W. Gatch and ICI President and CEO Paul Schott Stevens that was released in ICI's 2019 annual report. To read their full letter, please see ICI's 2019 Annual Report to Members....
Global Leaders Discuss Building a Competitive European Union
By Jean-Claire Perini
EU policymakers need to have a global mindset if the European Union is to compete and thrive in today's interconnected marketplace. That's according to an informative panel at ICI's 2019 General Membership Meeting in Washington, DC, featuring ICI President and CEO Paul Schott Stevens, Honorary Director General of the European Fund and Asset Management Association (EFAMA) Peter De Proft, and former Secretary General of the International Organization of Securities Commissions David Wright....
TOPICS: GMMICI GlobalInternational
Parag Khanna Talks Asia at ICI's GMM
How can powerful nations continue to thrive? By being more connected to Asia, said Parag Khanna, the founder and managing partner of the advisory firm FutureMap. The noted global strategist and author shared this argument and more from his latest book, The Future Is Asian, with the guests at ICI's 61st General Membership Meeting in Washington, DC, highlighting that Asia is becoming an ever-more important destination for investment....
2017 Annual Report to Members: A Message from the Chairman
By William F. "Ted" Truscott
This letter by ICI Chairman Ted Truscott was released in our 2017 Annual Report to Members.
Every day, I'm reminded that each of us in the fund industry is driven to deliver ever-greater value for our fees and keep improving service to fund shareholders. Investors are demanding more from every asset manager—and the resulting competition drives us to innovate, find new efficiencies, and offer even better solutions for investors' needs.
Geopolitics and Global Business: What the Future Holds
By Jeanne C. Arnold
The challenges of navigating geopolitical developments while operating a global business took center stage during two key sessions at ICI's 59th General Member Meeting (GMM), held in Washington, DC, from May 3 to 5.
TOPICS: GMMICI GlobalMutual Fund
Matching Models to Reality: Doomsayers Are Disappointed—Again—as Funds Weather Brexit Shock
On Thursday, June 23, the electorate of the United Kingdom voted in a referendum on the country's membership in the European Union. The result—51.9 percent in favor of "Brexit," 48.1 percent in favor of "Remain"—went against pollsters' and pundits' expectations and surprised the world.
TOPICS: Bond FundEuropeFinancial MarketsFinancial StabilityFund RegulationICI GlobalInternationalMutual Fund
When Investor Protection Becomes Protectionism
By Patrice Bergé-Vincent
Today, Europe is facing two related needs: to provide its citizens with efficient, lower-cost vehicles for savings and investment, and to bolster economic growth.
TOPICS: EuropeFinancial MarketsFund RegulationICI GlobalInternationalMutual FundTaxes
U.S. and European Fund Investors Continue to Take Long View on EM Economies
By Chris Plantier
In an ICI Global Research Perspective last year, we showed that U.S. and European registered funds held $1.7 trillion in emerging market (EM) stocks and bonds at the end of 2014 (this total counts Hong Kong, Singapore, South Korea, and Taiwan as emerging markets). Of that, $1.27 trillion was estimated to be in equities and $431 billion was in bonds. We also showed that this $1.7 trillion was spread widely, across 80 different EM countries, and that fund net purchases of EM securities explained little of the variability of capital flow to EM countries.
TOPICS: Bond FundEuropeFinancial MarketsICI GlobalInternationalMutual Fund
New York Times Paints False Picture of Funds' Emerging Market Investments
By Mike McNamee
With the global market turmoil over the past week, it's no surprise that journalists are looking for hot stories of panic, investor flight, and impending crisis. Either they believe that investors are inherently flighty and panic-prone, or they believe that "this time is different" and investors who have not panicked before will panic now.
TOPICS: Bond FundBondsEquity InvestingEuropeFinancial MarketsFinancial StabilityFixed IncomeICI GlobalInternationalMutual Fund
The IMF on Asset Management: Handle Empirical Results with Care
In this ICI Viewpoints series, we've examined the wide range of data errors, inconsistencies, results that don't bear statistical scrutiny, and misinterpretations in the International Monetary Fund's most recent Global Financial Stability Report (GFSR)—specifically, the chapter on "The Asset Management Industry and Financial Stability." Those problems primarily involved poor understanding of funds and their investors. We didn't need advanced statistical methods to uncover them.
TOPICS: EuropeFinancial StabilityFund RegulationICI GlobalInternationalMutual FundTreasury
ICI Welcomes IOSCO'S Call to Focus on Products and Activities in Asset Management
ICI President and CEO Paul Schott Stevens today issued the following statement in response to the communiqué released today by the Board of the International Organization of Securities Commissions (IOSCO)
TOPICS: Financial StabilityFund RegulationICI GlobalInternationalMutual Fund
The IMF on Asset Management: Sorting the Retail and Institutional Investor "Herds"
Part of a series of ICI Viewpoints about problems in the IMF's analysis of the asset management industry.
In this ICI Viewpoints series, we're examining the wide range of data errors, inconsistencies, results that don't bear statistical scrutiny, and misinterpretations in the International Monetary Fund's April 2015 Global Financial Stability Report (GFSR)—specifically, the chapter on "The Asset Management Industry and Financial Stability." These problems undercut the IMF's conclusion that "Even simple investment funds such as mutual funds can pose financial stability risks."
TOPICS: Bond FundBondsEuropeFinancial StabilityFund RegulationGovernment AffairsICI GlobalInternationalMutual FundPolicy Research
The IMF on Asset Management: Which Herd to Follow?
In April 2015, the International Monetary Fund (IMF) published its most recent Global Financial Stability Report (GFSR), which included a chapter titled, "The Asset Management Industry and Financial Stability."
We have heard suggestions from more than one observer that the IMF's GFSR Chapter on asset management provides a wealth of charts, tables, and data to support regulators' case that regulated funds or asset managers could pose systemic risks.
Fresh Perspectives on a Changing World
Implications of globalization, the impact of the Millennial Generation on product development, the search for alpha in a world full of passive products—these were among the top priorities and concerns of the fund industry discussed by a panel of industry leaders at ICI's 57th annual General Membership Meeting (GMM), held May 6–8 in Washington, DC.
TOPICS: CybersecurityFund RegulationGMMICI GlobalMutual FundSavings
The IMF on Asset Management: The Perils of Inexperience
In April, the International Monetary Fund (IMF) released its most recent Global Financial Stability Report (GFSR), including a chapter on "The Asset Management Industry and Financial Stability."
ICI Global Welcomes the Announcement of More Stock Connects in Asia Pacific
By Qiumei Yang
In response to the announcement about a launch date for the Taiwan Stock Exchange and Singapore Exchange trading link, and recent reports of a possible Shenzhen–Hong Kong Stock Connect, ICI Global's Qiumei Yang offers the following comment:
TOPICS: ICI GlobalInternationalTrading
The IMF Quietly Changes Its Data, but Not Its Views
On Friday, April 10, we pointed out that the International Monetary Fund (IMF) apparently had vastly overstated the size and growth of bond fund holdings of emerging market bonds in its latest Global Financial Stability Report (GFSR).
TOPICS: Bond FundBondsEuropeFinancial StabilityFund RegulationICI GlobalInternationalMutual FundTreasury
The IMF Is Entitled to Its Opinion, but Not to Its Own Facts
By Sean Collins and Chris Plantier
On Wednesday, the International Monetary Fund released its latest Global Financial Stability Report (GFSR), including a chapter on the asset management industry and financial stability.
The IMF Makes All of OFR's Mistakes—And More
The International Monetary Fund (IMF) just released its latest Global Financial Stability Report. In the immortal words of Yogi Berra, it is déjà vu all over again.
The IMF report bears more than a passing resemblance to Asset Management and Financial Stability, published by the U.S. Treasury Department's Office of Financial Research (OFR) in September 2013. The OFR report was met with widespread criticism for its misinformed discussion of hypothetical "vulnerabilities" posed by mutual funds and other asset managers.
Why Regulated Funds Are a Relatively Stable Source of Foreign Investment for Emerging Economies
The press and policymakers focus a great deal of attention on flows to U.S. and European regulated mutual funds and exchange-traded funds (ETFs), in part because these funds are perhaps the most easily observed and readily measured players in capital markets.
TOPICS: EuropeFinancial MarketsFinancial StabilityFund RegulationICI GlobalInternationalMutual Fund
Sizing Up Mutual Fund and ETF Investment in Emerging Markets
In coming decades, emerging market (EM) economies will need substantial new capital to accompany and sustain their rapid growth.
TOPICS: Bond FundBondsEquity InvestingEuropeExchange-Traded FundsFinancial MarketsFinancial StabilityFixed IncomeFund RegulationICI GlobalInternationalMutual Fund
"The Age of Asset Management"—Less Risk, Not More
By Brian Reid
The following was written by ICI's chief economist, Brian Reid, and published on FT Alphaville on July 23. For more information on ICI's views and research on financial stability, please visit our Financial Stability Resource Center.
TOPICS: Federal ReserveFinancial MarketsFinancial StabilityFund RegulationGovernment AffairsICI GlobalInternationalMutual FundTreasury
Errors of the Times: Getting the FSOC Debate All Wrong
New York Times columnist Floyd Norris makes a number of fundamental errors in his Friday column about the House Financial Services Committee hearing and the broader debate about the Financial Stability Oversight Council (FSOC) and its review of asset management.
For Concerns About Risk, a Better Way Forward
Since the financial crisis, regulators in the United States and abroad have been looking for ways to prevent a repeat. But recently it seems they've gone off course.
TOPICS: Financial MarketsFinancial StabilityFund RegulationGovernment AffairsICI GlobalInternationalMutual FundTreasury
Overseas Overreach
The Financial Stability Board (FSB)—composed of financial regulators and central bankers from around the globe—is proposing a flawed methodology that inappropriately puts regulated U.S. funds under scrutiny for possible designation as global systemically important financial institutions—or G-SIFIs.
Who Are the FSB 14?
In their search for ways that investment funds can pose risks to the financial system, regulators and central bankers from around the globe have proposed an arbitrary threshold: any investment fund with assets of more than $100 billion should automatically be subjected to further examination and consideration as a possible "global systemically important financial institution," or G-SIFI.
The Market Crash That Never Came
U.S. and international banking regulators, in their search for ways that mutual funds and their managers could threaten financial stability, have come up with a simple story: fund investors and asset managers "crowd or 'herd' into popular asset classes or securities" and thus "magnify market volatility."
Size by Itself Doesn't Matter—Leverage Does
Second in a series of Viewpoints postings on funds and financial stability.
The threshold set by the Financial Stability Board (FSB) for examining whether a regulated fund could pose risk to the financial system should be redrawn—or better yet, withdrawn.
SIFI Designation for Funds: Unnecessary and Harmful
U.S. and international regulators are examining whether asset managers or the investment funds that they offer could be sources of risk to the overall financial system and should thus be designated as systemically important financial institutions (SIFIs).
ICYMI: "The Feds Target Money Managers"
Yesterday's editorial in the Wall Street Journal, "The Feds Target Money Managers," neatly summed up the case against treating asset managers as systemically important financial institutions (SIFIs) and subjecting them to bank-style regulation.
ICYMI: Congress Asks Questions About SIFI Designation and Asset Managers; SEC Chair White Provides Telling Answers
DC scene setter, 2013–2014: The Financial Stability Oversight Council (FSOC) is examining asset managers for possible "systemically important financial institution" (SIFI) designation, which would bring with it enhanced prudential regulation from the Federal Reserve. Such "bank-style" regulation is foreign to U.S. capital markets.
ICI Statement: FSOC Seeking "Pretexts" to Designate Funds
ICI President and CEO Paul Schott Stevens today made the following statement in response to media reports that the Financial Stability Oversight Council (FSOC) has stepped up its review of major asset managers—which could lead to their designation as "systemically important financial institutions," or SIFIs—based on boilerplate metrics.
ICI Responds to the FSB Consultation on Systemic Risk and Investment Funds
In early January, the Financial Stability Board (FSB)—an international group of financial authorities—published a consultation paper on the issue of systemic risk and investment funds.
ICI Response to Bank of England Haldane Speech on Asset Management and Potential Risk
Today, ICI President and CEO Paul Schott Stevens made the following comment in response to a speech by Andy Haldane, currently executive director of the Bank of England and slated to become its chief economist in June.
Why Asset Management Is Not a Source of Systemic Risk
This Viewpoints post is a summary of a speech given by ICI President and CEO Paul Schott Stevens at the Mutual Funds and Investment Management Conference. The entire speech is now available.
Since September, U.S. and international regulators have released reports suggesting that asset managers or the funds that they offer may be sources of risk to the overall financial system. ICI does not agree that the asset management sector poses systemic risk. Nonetheless, these reports could be the predicate for new, bank-style prudential regulation of the asset management industry—which could significantly harm funds and the investors who use them.
A Growing Urgency: FATCA Agreements in the Asia-Pacific Region
By Keith Lawson
Questions are swirling as the 1 July 2014 effective date for the US Foreign Account Tax Compliance Act (FATCA) draws closer.
TOPICS: Government AffairsICI GlobalInternationalTaxes
Creating a Globally Workable Compliance Framework for Financial Account Tax Information
By developing a global standard for collecting customer information from financial institutions and exchanging that information between governmental taxing authorities worldwide, the Organisation for Economic Co-operation and Development (OECD) has taken an important step to enhance tax compliance. This common reporting standard (CRS) for the automatic exchange of information (AEOI), which was announced by the OECD on 13 February 2014, will be presented to the G20 at their 22–23 February 2014 meeting in Sydney.
Column Makes the Same Mistakes as OFR
In recent months, both the U.S. Treasury Department's Office of Financial Research (OFR) and international regulators such as the Financial Stability Board (FSB) have examined whether asset managers pose risks to financial stability. One report is deeply flawed; the other offers a more informed view. Unfortunately, Gretchen Morgenson's New York Times column ("Bailout Risk, Far Beyond the Banks," January 12) veers toward the flawed report.
TOPICS: Federal ReserveFinancial MarketsFinancial StabilityFund RegulationGovernment AffairsICI GlobalInternationalTreasury
The Status of Global Retirement Savings: Taking Stock, Moving Forward
By Dan Waters
Around the world, as systems for building retirement resources come under increasing pressure, countries of every size and economic situation are facing long-term savings challenges. To meet these challenges, it is critical that pension industry experts, policymakers, and fund industry representatives learn from one another and share solutions that put the needs of savers first.
TOPICS: EventsICI GlobalInternationalRetirement PolicyRetirement Research
A Step in the Right Direction on FTTs
In a noteworthy development for anyone following the debate around financial transaction taxes (FTTs), the Council of the European Union Legal Service has issued a legal opinion regarding the FTT proposal under consideration by some EU member countries.
TOPICS: ICI GlobalTaxes
In Case You Missed It: "A Three-Step Approach to Global Retirement Challenges"
By Stephanie Ortbals-Tibbs
Investment & Pensions Asia has just posted a commentary from Dan Waters, ICI Global's managing director.
TOPICS: ICI GlobalRetirement Policy
In Case You Missed It: Chairman White's GMM Speech
The Securities and Exchange Commission has posted Chairman Mary Jo White's address to ICI's 55th General Membership Meeting.
TOPICS: EventsICI Global
FTT Would Shut Financial Institutions in Participating Countries Out of Repo Market
By Shelly Antoniewicz and Peter Brady
The European Commission has proposed imposing a 0.1 percent (10 basis points) levy on financial transactions. As ICI has detailed, this financial transaction tax (FTT) would have a host of negative consequences, including harm to investors and extraterritoriality.
TOPICS: ICI GlobalMoney Market FundsTaxes
The Extraordinarily Extraterritorial Proposal to Tax Global Financial Transactions
The financial transaction tax (FTT) being considered by several European countries would have an extraordinary extraterritorial effect.
Individual Investors Will Be Harmed by Financial Transaction Taxes
A fundamental tenet of the argument for a financial transaction taxes (FTTs) is that individuals would not be harmed.
Securities Lending and Repos: FSB Intrudes on Areas Best Left to National Regulators, Market Forces
By Robert C. Grohowski and Giles Swan
The Financial Stability Board (FSB), the international body established by the G20 to promote coordination among authorities responsible for financial stability, has made a number of recommendations toward creating a global policy framework for the securities lending and repurchase agreement (repo) markets.
TOPICS: Fund RegulationICI Global
2013 Regulatory Challenges and Trends Facing Global Funds
ICI Global launched last autumn with 12 members and a mission to serve as a voice for global investment funds and their investors.
TOPICS: ICI Global
One Step Forward for Cross-Border OTC Derivative Regulatory Reform
International regulators recently published a statement updating the discussions amongst the main global financial centers about the framework that should regulate cross-border over-the-counter (OTC) derivative transactions.
TOPICS: Financial MarketsICI Global
Witnessing Asia's Potential for Asset Managers
By Dan Waters and Giles Swan
Since our launch just over a year ago, ICI Global has made six trips to Asia to meet with regulators, members, and prospective members.
FATCA Must Not Undercut the Advantages That U.S. ETFs Offer Global Investors
By Keith Lawson and Ryan Lovin
In recent months, ICI has continued to engage closely with regulators to share our concerns and suggestions for implementing the Foreign Account Tax Compliance Act (FATCA).
More Time Is Needed to Ensure Effective FATCA Implementation
On January 1, 2013, various rules implementing the Foreign Account Tax Compliance Act (FATCA) begin to take effect.
Sticking to the Facts of Money Market Fund Regulation
In a recent column, the Evening Standard's Anthony Hilton includes money market funds as part of a network he suggests forms "an unregulated zone" with "no oversight."
TOPICS: Fund RegulationICI GlobalMoney Market Funds
The Facts and Principles That Must Guide Money Market Fund Reform
In Madrid this week, the board of the International Organization of Securities Commissions will choose their course of action on money market funds.
Transparency and Inclusiveness Are Key to Addressing FATCA Challenges
U.S. officials, their counterparts overseas, and representatives from the private sector continue to make impressive headway in implementing the Foreign Account Tax Compliance Act (FATCA).
Regulators and Industry Exchange FATCA Insights at ICI and ICI Global Webinar
Senior officials from the U.S. Treasury Department and the Organization for Economic Cooperation and Development (OECD), along with industry experts, recently engaged in a very informative webinar discussion regarding a model intergovernmental agreement (IGA) for implementing the Foreign Account Tax Compliance Act (FATCA). The model IGA, as discussed in an earlier ICI Viewpoints post, was developed by the Treasury Department with the active cooperation of senior tax officials from France, Germany, Italy, Spain, and the United Kingdom.
How the Model Intergovernmental Agreement Reduces FATCA Burdens
The U.S. Treasury Department has made significant progress with its July 26 release of a model intergovernmental agreement (IGA) for implementing the Foreign Account Tax Compliance Act (FATCA). This model IGA—developed with the active cooperation of senior tax officials from France, Germany, Italy, Spain, and the United Kingdom—addresses many of the U.S. and global fund industries' concerns with the substantial compliance burdens placed by FATCA on funds, their distributors, and their investors. ICI and ICI Global applaud this development and look forward to continuing our dialogue with these governments on the FATCA regulations and the IGAs they craft based on the model.
UCITS V—Significant Changes for European Funds and Fund Managers
Today the European Commission adopted a proposal for revisions to the Undertakings for Collective Investment in Transferable Securities (UCITS) framework, which governs cross-border retail investment funds in Europe.
TOPICS: Fund RegulationICI GlobalInternational
FATCA's Challenges for Global Investment Funds
The rules proposed to implement the Foreign Account Tax Compliance Act (FATCA) pose a number of serious challenges for ICI Global members. ICI Global's recent comment letter to the U.S. Department of the Treasury and the Internal Revenue Service (IRS) made several recommendations on how the FATCA rules should be amended so that ICI Global's members—regulated funds that are publicly offered to investors in leading jurisdictions worldwide—can overcome these challenges without compromising the tax compliance benefits contemplated by FATCA.
Proposal to Implement Volcker Rule Raises Significant Issues for Regulated Funds Globally
Congress enacted the provision of the Dodd-Frank Reform Act known as the Volcker Rule to restrict banks from sponsoring and investing in hedge funds (so-called covered funds) and using their own resources to trade for purposes unrelated to serving clients—something known as "proprietary trading."
A New Voice for Global Investment Funds
Over the past two decades, the world has witnessed the rise of asset managers as global financial intermediaries. The fund industry has been at the forefront of this movement, vigorously expanding its international reach and offering investors opportunities to diversify and to access new markets.
TOPICS: ICI GlobalInternational
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STATISTICA Help | Can I create a blank graph?
Can I create a blank graph?
Yes. The quickest way to create a blank graph is to select Blank Graph from the Graphs - Multiple Graph Layouts menu. You can also select Wizard from the Graphs - Multiple Graph Layouts menu to display the AutoLayout Wizard - Step 1. In this dialog box, click the Blank button in the Add Graphs group, and then click the OK button to produce a "compound" graph containing one blank graph. You can then add new or existing graph objects (e.g., added text, embedded or linked objects, arrows, freehand drawings, previously saved graphs, etc.) to that blank graph.
The Multiple Graph AutoLayout Wizard and the Templates option (on the Graphs - Multiple Graph Layouts menu) can also be used to design and produce a custom layout. Alternatively, the Snap to Grid facility can be used. The Alignment Grid (accessible on the View menu) and/or the dynamically updated cursor coordinates can be used to aid in the visual placement and alignment of the graph objects in the blank graph.


1. I think we'd all like to be more productive from day to day, and A Beautiful Mess has put together a list of 10 (realistic) steps to help you do that.
2. I am regularly inspired by The Happy Housie's colorful home decor projects, but I am LOVING this Jewelry Tray that she shared this week. And it's all made from dollar store finds, so it would be cheap to replicate.
3. There is always something to love on Heather from Glitter and Gloss's weekly Three Things Friday posts, but this week, she shares an absolutely hilarious video that includes dancing babies. You have to check it out.
4. The Mister and I have big plans for a living/dining/kitchen remodel this year, but when it's all done and painted, I really want to do a gallery wall in the living room. Chelsea's wall at Hello Miss Chelsea is a great start for inspiration.
5. If you're starting to lose the motivation from your New Year's Resolutions, then check out Caitlin from Healthy Tipping Point's ideas to recharge your fitness routine. Her tips are all small changes that can add up to big differences.


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