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Mizuho Financial: All Eyes On Dividends And Cross-Shareholdings (NYSE:MFG)
I have a Neutral rating on Japanese financial services group Mizuho Financial Group, Inc. (MFG) [8411:JP].
Mizuho Financial's key investment merit is its attractive consensus forward FY 2021 and FY 2022 dividend yields of 5.58% and 5.59%, respectively. Notably, Mizuho Financial expects to maintain its full-year dividends of JPY75 per share for FY 2021 (YE March), despite its relatively weak capital position and the negative impact of COVID-19 on its earnings. Nevertheless, a dividend cut in FY 2022 and beyond cannot be ruled out completely, and Mizuho Financial could see a valuation de-rating if that happens.
Also, Mizuho Financial has set a target of decreasing its cross-shareholdings by a further JPY 300 billion by March 2022, but its plans could be possibly delayed due to the difficulty of meeting people during the coronavirus pandemic. Cross-shareholdings are perceived as negative from the perspective of corporate governance, and Mizuho Financial is likely to suffer from a certain degree of valuation due to its significant proportion of cross-shareholdings.
Mizuho Financial trades at 0.39 times P/B and 9.5 times consensus forward FY 2021 P/E. While the stock's valuations are undemanding, I will upgrade my rating on Mizuho Financial to Bullish, only if its capital adequacy position improves and the company makes significant progress in reducing its cross-shareholdings.
Readers have the option of trading in Mizuho Financial shares listed either as ADRs with the ticker MFG or on the Tokyo Stock Exchange with the ticker 8411:JP. For those shares listed as ADRs, average daily trading value for the past three months is decent at $0.9 million but lower than that for the Japan-listed shares.
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For those shares listed in Japan, there are limited risks associated with buying or selling the shares in terms of trade execution, given that the Tokyo Stock Exchange is one of the major stock exchanges that's internationally recognized, and there's sufficient trading liquidity. Average daily trading value for the past three months exceeds $100 million, and market capitalization is above $32 billion, which is comparable to the majority of stocks traded on the US stock exchanges.
Institutional investors which own Mizuho Financial shares listed in Japan include Nomura Asset Management, The Vanguard Group, Daiwa Asset Management, Geode Capital Management, and Dimensional Fund Advisors, among others. Investors can invest in key Asian stock markets either using U.S. brokers with international coverage such as Interactive Brokers and Fidelity, or international brokers with Asian coverage like Hong Kong's Monex Boom Securities and Singapore's OCBC Securities.
Source: Mizuho Financial's 1H FY 2021 Financial Results Presentation Slides
Dividends In The Spotlight
One of Mizuho Financial's key investment merits is its relatively attractive forward dividend yield of 5.6%. Mizuho Financial has consistently paid out full-year dividends per share of JPY75 (comprising an interim dividend of JPY37.5 per share and a final dividend of JPY37.5 per share) for six consecutive years between FY 2015 and FY 2020. As a result, the majority of sell-side analysts have assumed that Mizuho Financial will maintain the company's full-year dividends per share of JPY75 for FY 2021 and FY 2022.
Earlier, there were concerns that Mizuho Financial could possibly cut its dividends for FY 2021, due to the negative impact of COVID-19 on its business operations and financial performance. The company has guided for FY 2021 earnings of JPY350 billion, which will imply a -22% YoY decline as compared to its FY 2020 net income of JPY448.5 billion.
Furthermore, Mizuho Financial's capital position is not as strong as that of its peers. As of September 30, 2020, Mizuho Financial's Common Equity Tier 1 or CET1 ratio was 11.57%. In contrast, the CET1 ratio for its peers Mitsubishi UFJ Financial and Sumitomo Mitsui Financial were higher at 12.52% and 16.02%, respectively. In a company presentation in June 2020, Mizuho Financial addressed this issue by highlighting that the company "determined that a sufficient level of capital adequacy can be maintained even when considering the effects of COVID-19", and it noted that "there was no particular concern (regarding capital adequacy) under either current capital requirements nor on a Basel III fully-effective basis." However, Mizuho Financial acknowledged that "Mizuho's level of capital is behind that of the other Japanese megabanks."
It came as a relief to investors that Mizuho Financial maintained its interim dividend per share at JPY37.5 for 1H FY 2021 and also guided for a final dividend per share of JPY37.5 for 2H FY 2021. Nevertheless, a cut in dividends in FY 2022 and beyond cannot be ruled out completely, given Mizuho Financial's relatively weak capital position and the possibility that COVID-19 might take a longer-than-expected time to be contained in Japan.
Cross-Shareholdings Draw Attention
Apart from dividends, cross-shareholdings are another factor that has a significant impact on Mizuho Financial's valuations. Similar to many large Japanese corporations, Mizuho Financial has a significant proportion of cross-shareholdings, which is seen as negative in terms of corporate governance, and it also exposes the company to impairment losses unrelated to the core business.
Cross-shareholdings are not an uncommon phenomenon in Japan. According to a 1999 book titled Asian Eclipse authored by Michael Backman, "around 60% of Japan's outstanding company shares are held by other companies" and "Mitsubishi Group itself endorses the estimate that today, around a quarter of the shares in each of its 26 biggest companies are owned by other group members."
To Mizuho Financial's credit, the company has reduced its cross-shareholdings from approximately JPY7 trillion more than a decade ago to JPY1.4 trillion as of March 2019. The company has set a target of decreasing its cross-shareholdings by a further JPY 300 billion by March 2022. Mizuho Financial's cross-shareholdings were reduced by -JPY208.3 billion from JPY1,419.8 billion as of March 31, 2020 to JPY1,211.5 billion as of September 30, 2020, but approximately half of the decrease in cross-shareholdings was attributable to impairment losses (decrease in share prices of the shares of the listed companies held by Mizuho Financial).
It is noteworthy that the company's plans to reduce its cross-shareholdings could possibly be delayed because of the coronavirus pandemic. At the company's Investor Relations Day in September 2020, Mizuho Financial disclosed that "face-to-face negotiations for the sale of shares have been difficult" and its clients' (whose shares it holds) "business results have been negatively impacted."
A Lack Of Diversification Could Be A Positive Factor In The Age Of Digital Disruption
Mizuho Financial is less diversified as compared to its peers Mitsubishi UFJ Financial Group and Sumitomo Mitsui Financial Group. Although Mizuho Financial has a presence in banking, asset management, and securities like its peers, the company does not have credit card and consumer finance businesses.
Instead, Mizuho Financial collaborates with other partners to make up for its lack of diversification in certain business areas. For example, Mizuho Financial has partnered with consumer credit company Orient Corporation to introduce an integrated credit card and ATM card.
In the new digital era where traditional credit card and consumer finance business operations could possibly be disrupted, Mizuho Financial might have an edge over its rivals because of its lack of diversification, as it can be more agile in adapting to changes in the digital payments and consumer lending markets. Mizuho Financial noted in a company presentation in June 2020 that "collaboration is necessary for transforming into a new type of financial group" and it is considering "a joint development with partners or participation in projects developed by partners" for future digital transformation initiatives.
Mizuho Financial trades at 0.39 times P/B based on its share price of JPY1,344 as of December 2, 2020. As a comparison, its three-year and five-year mean P/B multiples were 0.48 times and 0.52 times, respectively. The stock is also valued by the market at consensus forward FY 2021 (YE March) and FY 2022 P/E multiples of 9.5 times and 7.9 times, respectively.
Market consensus expects Mizuho Financial to achieve ROEs of 4.2% and 4.8% for FY 2021 and FY 2022, respectively.
Mizuho Financial offers consensus forward FY 2021 and FY 2022 dividend yields of 5.58% and 5.59%, respectively.
As per the peer valuation comparison table below, Mizuho Financial is valued at a slight premium to its peers based on P/B, forward P/E and forward dividend yield metrics.
Peer Valuation Comparison For Mizuho Financial
Stock Trailing P/B Multiple Consensus Forward One-Year P/E Consensus Forward Two-Year P/E Consensus Forward One-Year ROE Consensus Forward Two-Year ROE Consensus Forward One-Year Dividend Yield Consensus Forward Two-Year Dividend Yield
Mitsubishi UFJ Financial Group 0.35 9.2 7.7 3.8% 4.3% 5.5% 5.8%
Sumitomo Mitsui Financial Group 0.38 9.7 7.2 4.1% 5.2% 6.1% 6.3%
Source: Author
The key risk factors for Mizuho Financial include an unexpected cut in dividends, and a longer-than-expected time to reduce the company's cross-shareholdings.
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Integral Vision
+36.1.261.9780
We build trust.
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We are predictive. We provide transparency. We build trust.
Twenty people work at IV currently. We have been using Scrum methodology from the very beginning. NVC is of great help to us in everyday communication both with clients and within the firm. We borrowed our name from Ken Wilber: Integral Vision provides our stable foundation.
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Key clients:
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Europe's No1 EPSO Test Preparation Service
A platform for practicing for EU Institutions' selection exam. Offering 25.000 practice tests in 14 languages of the widest range of materials for all stages and levels simulating the EPSO exam as closely as possible. This application helps over 80.000 users to prepare for the exam.
Features: practice tests, webcasts, webinars, e-learning materials and classroom trainings and coaching
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The official site of the Hungarian National Museum
Winner of 'Website of the year 2015' award.
The purpose of the site is to inform and inspire users to:
• Visit permanent and temporary exhibitions
• Find out about the latest events and news
• Gather information about the Museum (opening hours, contact, location)
Features: collections, exhibitions, ground plan, research, events, 360o panoramic photos on exhibition
Blogpost: https://integralvision.hu/en/articles/hungarian-national-museum-web
URL: http://www.hnm.hu
Képmás - online magazine
Consistent values, family-friendly approach, exciting, profound articles, culture tips, literature..
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Thanks to Képmás, we managed to build a project and partnership which is characterized by conscious planning, common reflection and ongoing revival.
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Ludwig Museum - contemporary art portal
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Document Management System Dev for Mining Company
"They asked a lot from me and wanted to deliver exactly what I wanted, and they brought new ideas as well."
Jan. - May 2019
Willing to refer:
Integral Vision developed a document management system.
11- 50 Employees
László Orosz
Head of IT, Mining and Geological Survey of Hungary
A Clutch analyst personally interviewed this client over the phone.
Feedback summary:
The solution earned engagement and positive feedback from internal stakeholders. Integral Vision is a collaborative team and they took a holistic approach to customized development.
A Clutch analyst personally interviewed this client over the phone. Below is an edited transcript.
Introduce your business and what you do there.
I'm the head of IT at Mining and Geological Survey of Hungary, a mining company.
OPPORTUNITY / CHALLENGE
What challenge were you trying to address with Integral Vision?
We wanted to replace outdated desktop applications with modern solutions. It was important that we had a platform solution that was dependent for years to come. We needed to be able to manage it and know that it'd be a sustainable solution for our problems.
What was the scope of their involvement?
They developed our document management system. The started by getting to know what the project was about. After that, they planned the project. At the end, we had a presentation for the colleagues and leaders.
What is the team composition?
There were 5-6 people and I talked with 3-4 people. We were in contact with the account manager quite often. During the project, they involved two or three programmers. We interacted with their executive sometimes too.
There was a person from their team who took the effort to understand what we wanted. He did very well and was involved in the topics of the project. He knew more than some of our colleagues did.
How did you come to work with Integral Vision?
We had done a project with them previously. The built us a web portal and we were satisfied with their work, which is why we went to them for our next project.
How much have you invested with them?
We've spent $50,000.
What is the status of this engagement?
We worked together from January–May 2019.
RESULTS & FEEDBACK
What evidence can you share that demonstrates the impact of the engagement?
The results exceeded what I imagined at the beginning of the project. Five or six of our colleagues were quite skeptical about this investment. They didn't think it'd be successful. Only a few months later, these colleagues changed their mind and became quite optimistic. They then started working together and thinking together, which was really exciting for me. When we asked for feedback at the end, they gave really good feedback.
How did Integral Vision perform from a project management standpoint?
Their project management was good. The account manager made an effort effort to understand our business. He made a connection between our business environment and the development, programming, and the Integral Vision environment. If he couldn't answer a question, he'd get someone else who would have the right answer in a short time.
They worked using agile methodology. From the planning to the end of the project, we had a meeting every two weeks, sometimes in person and sometimes online. During the project, we had well-thought conversations and all the processes were transparent. There were many emails along with online tables and ticketing software.
Their agile development methodology works and they're fast. They're a company that not only gets the job done, but works to understand what the customer wants. They asked a lot from me and wanted to deliver exactly what I wanted, and they brought new ideas as well. We worked collaboratively and it was inspiring.
What did you find most impressive about them?
Their collaborative environment is impressive. The agile methodology worked really well for us too.
Are there any areas they could improve?
Sometimes the deadlines were a little late, but 95 percent of the time they met deadlines.
Do you have any advice for potential customers?
Be ready to answer their questions about the business requirements. You must think together with them.
Overall Score I enjoy working with them and I'd like to work with them again.
ON TIME / DEADLINES
Value / within estimates
It's not expensive and it's not cheap. It's reasonably priced.
5.0 Quality
Service & deliverables
5.0 NPS
Willing to refer
Web App for Railway IT Service Provider
"The team was really motivated. They didn't say it cannot be done—they were ready to face the challenges."
Mar. - Aug. 2019
Integral Vision built an online application that presents capacity products on behalf of a railway IT support company. The system needed a CMS, an online chart to display the products, and data visualization.
Máté Bak
Head of PCS, RailNetEurope
The client submitted this review online.
Integral Vision delivered the product against a tight timeline without sacrificing quality, leading to high user satisfaction rates and a pleased client. The team led a smooth, agile workflow to meet deadlines and measure progress. Their dedication stood out.
Please describe your company and your position there.
RailNetEurope provides project management and IT support to the European railway infrastructure managers, allocation bodies, rail freight corridors, and applicants. I work there as Head of PCS (Path Coordination System), I'm the product owner of the tool
For what projects/services did your company hire Integral Vision?
To develop an online application for publication of different capacity products on an international level. Presentation of capacity bands in such a tool was brand new. We are working right now to implement the new object as part of European standards (TAF/TAP TSI)
What were your goals for this project?
The main part of the application was the online chart (space-time diagram) that can present the capacity products. We needed a version control enabled content management system with special data visualization.
How did you select this vendor?
My colleague found them for one of our previous project with our Drupal system. Finally they didn't take that one, however, it was already clear for us that they are ready for challenges. I remembered this and when we had to make a tender for this application, I invited them too. None of the bids were perfect, but the decision committee selected their offer.
Describe the project and the services they provided in detail.
They prepared a Drupal based content management system for our capacity products (catalogue path, path, temporary capacity restrictions and capacity bands) with their attributes. They enabled us to prepare infrastructure data in the system (lines and locations). The attributes of the locations have been already prepared to connect to central European master database in the future. Connections and distances among the locations are also stored that helps the user experience in the tool.
They created a chart, the main page of the application, where the system can present the different products graphically (lines, rectangles and other shapes). User can apply different kind of search criteria, e.g. lines, timetable periods, statuses of the objects, etc.
The calendar handling of the different objects was solved in a very innovative way. Compared to other applications in the railway sector, the calendar days are stored separately (not in a bitfield) enabling us to add additional information to the days. It's especially important for the capacity bands, where the number of available capacity slots has to be stored separately.
What was the team composition?
I have been already working with an agile team, I had a similar experience. The team had UX designer, infrastructure engineer, product owner proxy who helped me to work with the backlog. There was a technical lead and leading senior developer who did the majority of the development. Also, a frontend developer responsible for the theming of the sites.
Of course, there were other developers who joined and left the project whenever it was necessary from the work and functions point of view.
Can you share any information that demonstrates the impact that this project has had on your business?
We received the request from our users quite late that they need an online application for this task. That is why we had a really tough timeline. Luckily, we found the perfect company for the task and they finished the development with a very short timeline, but also with really high quality. The user satisfaction so far is the best among all my company's applications.
How was project management arranged and how effective was it?
We finished the development in time and in the planned budget, even if the scope was extended during the project. That explains everything. The two weeks sprints helped us a lot to control the work and the deliveries, also measuring the development's speed.
What did you find most impressive about this company?
The team was really motivated. They didn't say it cannot be done—they were ready to face the challenges. I had the pleasure to work with them in an innovative environment.
Are there any areas for improvement?
Industry-specific (railway) knowledge should be improved for the future.
We finished the project in time, even if the scope was extended during the development.
We finished the project within the planned budget, even if the scope was extended during the development.
Best user satisfaction tool of our company. Simple, self explanatory views, even if the presented business is not so simple.
Very nice and bright people. They managed to deliver a high quality product in a business area where they didn't have experience before.
Website Design & Dev for Third-Party Research Institution
"The quality of the finished product gave us an excellent reputation with our client."
Jan. 2014 - June 2014
Integral Vision led the full lifecycle of design and development of a website for a third-party client. They conducted stakeholder interviews, mapped user journeys, and created a release plan for the product.
Art Director, Salt Communications Kft.
The success of the initiative fostered a long-running subcontractor relationship. Integral Vision's website expertise pairs perfectly with in-house skill sets. They strive to align their work with customer expectations, evidenced by a thoughtful sprint and feedback approach.
Salt Communications Kft. is an integrated advertising agency in Budapest, Hungary. We provide services for cultural organizations, state background institutions, small and middle enterprises, NGOs and foundations. I am a co-owner and Art Director in Salt Comm.
Complete website development for the Hungarian Institute for Educational Research and Development, and Várkert Bazár (Cultural Center in Buda Castle, Budapest, part of UNESCO World Heritage) and IEC 2020 / 52nd International Eucharistic Congress in Budapest.
Our agency is strong at visual design, social media, and PR but is lacking expert web developers. Integral Vision is our subcontractor and strategic partner in that field. We have been in contact with them for 6 years. We needed full service including project management, front- and backend development and design. We asked to unite the different criteria, needs, expectations, and to work out the specification. Altogether, to create a user-friendly product that meets the acceptance criteria.
One of our ex-colleagues recommended Integral Vision.
The first step was a kickoff meeting with our client, the Hungarian Institute for Educational Research and Development. The next step was a workshop with the representatives of all the organizational units—mainly researchers of the institute. They defined the goals and objectives. Integral Vision set up a team. The Project Owner and another expert conducted interviews with all the participants. They created briefs and rebriefs and had them accepted by each unit. Integral Vision worked out the specification of integrated needs and content accepted by the Board of the Institution. They reached the consensus of different units. They set up typical end users and created user stories. Then Integral Vision moved the project forward in two-week sprints. Every second week, they held a demo to show what was completed and delivered. They created sprint stories, a project vision, a roadmap, and a release plan. They proceeded step-by-step until the end.
We met the owner, the project owner, the scrum master, and a developer during the project.
The Board of the Institute was completely satisfied with the website. The quality of the finished product gave us an excellent reputation with our clien.
The PO helped the effective collaboration between the stakeholders, checked the work and cleared the air of the story.
We liked the reliability, felt comfortable, confident and safe enough. The project remained in the time-cost-to do triangle.
Perhaps to stay motivated enough for the last bit of work.
Overall Score We are fully satisfied.
They were always on time.
They provide excellent service.
I'd recommend without a doubt.
Drupal Web Portal Dev for Communications Firm
"The whole process was transparent."
Aug. 2018 - Jan. 2019
Integral Vision designed and developed a Drupal webshop. The site has a new web portal for an invoicing and stock handling system. The team also handled the site's SEO.
Gyuri Sztankay
Team Leader, Newdoor Communications
The web shop was completed successfully and is now live. The customer enjoyed the look and feel of the platform and it runs much more efficiently than the previous system. Integral Vision has a friendly staff that leads the entire process.
I'm a team leader at Newdoor Communications, a digital agency focused on performance marketing. We run online advertisements on different platforms and we are producing and providing content marketing for our partners.
We were trying to find a partner for our existing client. Our client was looking for a development agency that could create a new web portal for an invoicing and stock handling system because theirs was quite outdated. They were using an offline version for the invoicing and stock handling and they had to always refresh everything when any sale was completed online or offline. The system wasn't suitable for them and they wanted a new solution.
They developed our client's webshop using Drupal. It's developed mostly for content management, but they showed us how it could work as a webshop. They also did SEO.
First, they created the design layout and then they had two-week sprints. The first stage was to create the homepage of the web shop. After that, we started to create the subpages and the menu system. Then, they integrated the invoicing and stock handling system into the web shop.
We worked with 2-3 developers. We were in daily connection with the CEO as well. When the development was almost ready, the project was given to an account manager.
We did an online search. My previous team leader was trying to find a solution and they were told by another agency to reach out to Integral Vision. We found them to be the most valuable solution for our client. They have experience in developing web shops. They had a few projects before and were working simultaneously on similar developments, which is why we chose them.
We've invested $35,000.
We started working together in August 2018 until January 2019.
The new webshop is live and running. The client is happy with the results. It's a much better system than the previous one. Everything is good.
The project management was good. We spoke with them on a daily basis. The sprint presentations were every two weeks. The client was there for the presentations. If we had any questions, we could ask them. The whole process was fluent and we were satisfied with the whole process.
They were friendly. We didn't know the Drupal system, but they convinced us that it would be good for us. They showed us good examples. With the two-week sprints, we always knew what stage of the development. The whole process was transparent.
If they give a proposal, their suggestions could also be advised at the beginning of the project.
Web Development for Payroll & HRM Software Dev Co.
"We won a website of the year award in 2016 and plenty of positive feedback from end-users as well."
Apr. 2016 - Oct. 2016
Integral Vision provided website development, working to build a site from a provided design. They focused on structuring and displaying content, and now offer support and additional development as needed.
Gergely Kozma
Marketing Specialist, NEXON
The finished website is high-quality and receives praise from both its users and the wider industry, even winning a prize. The team managed the project and its many stakeholders professionally and smoothly, communicating well and responding flexibly.
NEXON is a Hungarian market leading payroll and HRM software developer and service provider. I work in the marketing department.
We wanted to create a new website, that's more flexible than our old one. We were looking for a scalable and customized solution with good results in terms of SEO.
To develop a website based on our unique design, tailored to our business, and including custom applications. These were a payroll and holiday entitlement calculator, and a video-based slider. We needed spectacular yet usable interfaces.
We wrote a tender and 4 or 5 companies sent a proposal. We chose Integral Vision due to their reputation and high-quality references. The personal connection, their ability to understand our needs, and the good price contributed to our decision.
We needed to present a wide range of products and services to our users in an effective way. Integral Vision helped us to structure and display that content and are currently working in the support phase. The team responds quickly to any further development requests we make of them.
There were four developers and a product owner in the team. The design was provided by a third party.
We won a website of the year award in 2016 and plenty of positive feedback from end-users as well.
They were good at balancing the needs of multiple stakeholders.
I was impressed by their communication and flexibility.
Sometimes, the developers' interpretation of the design was somewhat different than what the designer had envisioned.
Web Design & Development for Media & News Site
"The project was in good hands. The agile method they used was truly impressive."
Mar. - Nov. 2018
Integral Vision developed a WordPress media site with integrated social platforming functions. They redesigned the UI based on a provided usability concept, adding an intuitive content editing solution.
Érd, Hungary
Zoltán Fekete
CEO, Érd Mediacenter
The new social feed, updated home page, and mobile responsive design made the brand more accessible audiences. Site traffic increased, and articles became notably more popular. Methodical and transparent, Integral Vision delivered weekly demos to go over progress, which helped build client trust.
Érd Media Center is a regional media service provider with a television and radio station and an online platform. I am the CEO and chief editor of the institution.
When I came to the company in 2014, the online platform was in its initial stage. We wanted a media renewal. The first step was to get the online platform redesigned. The key features of the project included article listings, integration of social feeds and the development of an easy-to-use editorial system.
Due to the low traffic of the old website, we thought it was time to implement a new design and ergonomic solutions. We needed a social platform. Our aim was to create a site that could be a primary source of information for local people.
I asked an online marketing specialist to create the usability/design concept, then put the project out to tender. We were looking for a Drupal vendor since we wanted to go for an open-source solution for our social platform. Integral Vision submitted a reasonable proposal and impressed us at our first meeting.
We hired Integral Vision to develop our new social platform, but we also wanted to work with a team that we could consult with about design. They built the new site in Drupal, developing a logic model for dynamic home page along with rich content solutions, a mobile version, and social media integration.
There were a few developers and a project manager from Integral Vision's side.
It was worth investing in this project. We started to use a mobile version, which was a huge milestone for us, and we received a user-friendly administrative platform. Based on our statistics, we managed to reach more people from our target audience and definitely earned more traffic. Our articles also became more popular than before.
The project was in good hands. The agile method they used was truly impressive (e.g., working phases defined by sprints and a story point system). Every other week, we had a demo meeting, which made the cooperation transparent. The task management system was also clear and transparent, which increased the trust factor.
Our demos were never one of those business meetings where people would try to put their own values ahead and persuade members of the other team. Instead, we had real discussions about the users.
When a request was not well-defined enough, the work they carried out was a bit different from what we'd expected. They could have handled these situations more carefully.
Online Store for Confectionery Company
"I know they will help my business succeed in many ways, not just by developing our web application."
May 2016 - Ongoing
Integral Vision has developed an online store to sell confections. The website offers a full menu of all products and allows for custom orders. It's also accessible in-stores via self-serve kiosks.
Dániel Lengyel
CEO, Vanilin Confectionery
The new website has launched a lucrative revenue stream. It helped sell 5,000 cakes in the past year alone, and online sales continue to increase month over month. Integral Vision is transparent, proactive, and easy to work with.
I'm the owner and the CEO of the Vanilin Confectionery. Besides organizing the stuff and the business, I work in designing new products and services.
My goal is to attract new customers to Vanilin by building an online webshop.
We wanted to have an integrated website, webshop, and product administration system based on Drupal.
We sent our RFP to a few companies. There were a few cheaper offers, but we wanted a reliable partner for the long run. The account manager and the tech lead from Integral Vision had a convincing attitude. They presented a very clear vision about how they would build the whole integrated system. It was inevitable that we would work with them.
The website offers a catalog of our products and a full online shopping experience. Inside our confectioneries, we have kiosks installed with a special view of the website. Our customers can order products by using this display without contacting the staff. We have a dedicated view for users to create custom, fancy cakes. The system offers a full backend administration user interface for stockpiling.
Integral Vision always offered the right people to solve problems. All needs have been covered in time. The two-week sprints made our cooperation smooth and transparent.
I haven't spent any money on marketing. Despite of this, the number of online sales has increased every month after launching the webshop. We've sold more than five thousand cakes in the past year. This number is far more than I have expected. It's been worth spending more to grow our online business.
The proactivity of the team and the account manager were awesome. They were transparent and reliable during the whole cooperation.
It has been a great experience working with such a professional team. I know they will help my business succeed in many ways, not just by developing our web application.
There is nothing to improve.
It is worth to invest in the discussions in order to have best results.
Web Platform and Online Store Dev for Guitar Shop
"They're responsive and their communication is reliable, fast and smooth."
Jan. 2018 - Apr. 2019
Integral Vision developed a website and online store and helped integrate them with a new ERP system. They designed a catalog of usable products and developed an SEO strategy.
Ernö Galambos
CEO and director, Stageshop Kft
Music Retail
Their delivery of a stable platform with ERP integration has automatized a significant amount of work that was once done manually. Integral Vision's work on the online store has generated praise from customers with a focus on the intuitive UI. They're accountable and they respond to testing feedback.
I am the main owner and the CEO of a guitar shop.
We conducted market analysis to determine why we were seeing a decline in our annual sales growth. We decided to invest in our online marketing by developing a new website and online store and leading in a new ERP system. We hired Integral Vision to design and develop our new site.
We wanted a sustainable and integrated solution for the long run.
We had a marketing consultant who analyzed the potential web service providers and selected Integral Vision for their good reputation with sustaining online businesses. The modular and flexible system they used in previous projects was convincing.
They designed a catalog of usable products, developed an SEO strategy, and created and optimized our online shopping experience. Along with e-commerce development, they helped us change our ERP system. It was really important to have seamless integration with this new ERP.
They executed a content marketing strategy to help users choose the guitar that best matches their needs. They also designed the platform to make it easy to use, yet suitable for our business requirements.
We worked with two people from Integral Vision during the development run. After we started to work on test sites, two other people joined the project.
We have a stable and beautiful online store. Thanks to the ERP integration, most of the manual work is now automatized. Our colleagues can focus more on content marketing to increase sales performance. We've received customer feedback suggesting that the online store UI is very intuitive.
We got a testing version of the online store in the early stages of the development. The developers released new functions for testing every two weeks. We had time to test the features, learn the administration workflow, and work on the content before launching the website.
They're responsive and their communication is reliable, fast and smooth.
We'd like them to spend more time in the shop to have a deeper understanding of the inner processes.
Overall Score The Integral Vision team is trustworthy, accountable and professional.
Web Platform Development for Educational Institution
"The result surprised us and exceeded our expectations."
Integral Vision created a platform that displayed data through maps, tables, and charts. They sorted and imported data, built a filter module, and designed listing functions.
Gabor Tomasz
Researcher, Hungarian Institute for Educational Research and Development
The robust, scalable platform worked perfectly and earned positive press coverage. Integral Vision kept the internal team informed, responding promptly to questions and scheduling frequent progress updates. Their agile workflow moved the project forward quickly.
The Hungarian Institute for Educational Research and Development provides strategic support for the educational sector. I'm a researcher and product owner.
We wanted to present educational data on our website, using a map, graphs, and tables.
We wanted a solution that allowed us to display data on a website. The project included UI design and platform development.
We considered two other vendors and chose Integral Vision because of the estimated costs and their industry experience.
Integral Vision aggregated the data by region, county, and district, then displayed it as maps, tables, and charts. They imported and exported data, developed a multifunctional filter module, and designed dynamic, scalable lists. They delivered an easy-to-use, yet spectacular result.
We worked with a developer, who was abstract but highly skilled, and an account manager.
Now we have a unique platform. When it went live, many outlets published articles about our service.
We were skeptical about the two-week iterations but accepted them. It helped that their team responded quickly to urgent requests. We communicated on Jira but also had face-to-face meetings to ask questions, specify needs, and discuss problems that arose during testing. We cooperated and communicated effectively from the beginning.
The result surprised us and exceeded our expectations. We love the website.
While importing data, they could have focused more on data testing.
Web Development for Museum
"They were completely focused on our goals."
Jan. - June 2015
Integral Vision developed a website for a museum. The solution has launched.
László Szende
Head of the Central Database and Informatics Department, Hungarian National Museum
The finished website earned multiple awards in its category and has drawn a measurable increase in user traffic. Integral Vision offered consultation on concepts before development, and their work has generated positive feedback from stakeholders.
I'm a historian and archaeologist, and I was responsible for the online presence of the Hungarian National Museum. Our museum collects, preserves and presents the historical relics of the Carpathian Basin and Hungary.
We needed development of a new website. We'd been working with an outdated server and a challenging structure with poor accessibility. The site had been breached several times due to poor security. We opted not to renew with our previous provider.
We wanted a sustainable site which would be informative and easy to maintain. We also didn't want to depend on a licensed product.
We sent our RFP to about 60 companies. After the first round of selection, three companies remained under consideration. We chose Integral Vision because of their attitude.
Following some initial discussions on concepts, they developed our website.
We worked with a web development team.
The website won multiple awards, including "website of the year" in the field of culture in 2015. We've seen a lot of statistical improvement, and we tracked 209,000 visitors last year. The solution is well-structured and informative, and we've received positive feedback in-house and from other stakeholders.
Communication was excellent and their process was transparent. Their approach was flexible and they met all the deadlines. Their accounting scheme based on storypoints was not entirely clear in the beginning, but it made more sense as we worked with them. If Integral Vision found our concept to be outdated or inconvenient for our users, they would redirect us. They were open to discussions and provided rational arguments.
They were completely focused on our goals, and that resulted in a more impressive solution.
We would have liked them to better understand the services our company provides.
Overall Score It was a good choice.
They delivered on time. The project management was great.
The development effort was in balance with the cost we expected.
They were proactive throughout our collaboration.
Yes. I'm very impressed.
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text:
What makes a hero? Captain Marvel's new promo asks
NH Bureau Friday, 22 February 2019 08:04:34 AM
New Delhi : What makes a hero? Captain Marvel's new promo asks the question as it entangles existing Avengers with the newest addition to the class in the same video.
In a video with the caption, "Some are built. Some are made. Some are born. On March 8, witness the rise of a hero," we see the genesis of Tony Stark, Steve Rogers and Thor's superstardom.
"Discover what makes her a hero," says the video.
Some are built. Some are made. Some are born. On March 8, witness the rise of a hero. Get tickets to Marvel Studios' #CaptainMarvel now (link in bio)
A post shared by Marvel Studios (@marvelstudios) on Feb 20, 2019 at 9:00am PST
"There's something about pushing yourself beyond a threshold that's comfortable, and then going even further than that," Larson earlier told reporters in Singapore, "It was these moments ... of going beyond what you thought was possible... and it means sometimes that you end up on the floor crying, like begging for it to stop but all of that is who Carol is."
Captain Marvel is scheduled to release on March 8.
New Promo
Published : Friday, February 22, 2019 07:13 [IST]
Passenger removing pants, shoes and socks on Air France flight goes viral
Kesari Movie Trailer: Akshay Kumar inspires 21 Sikhs to fight against 10,000 Afghans


By Adelie Bergstrom on Mar 27, 2019 at 10:10 a.m.
Duluth schools Superintendent Bill Gronseth plans to step down after his contract ends next year.
Gronseth, 50, who has been superintendent since 2012, announced the decision in a news release Wednesday morning, saying he wanted to give the Duluth School Board "time to engage in a thorough search process to identify a new superintendent." Gronseth's contract with the Duluth school district ends in June 2020.
During his tenure, Gronseth led the district through completion of its $300 million long-range facilities plan, also known as the Red Plan, that saw the closure and consolidation of several school buildings, including Central High School.
Gronseth's tenure also included two school levy referendums, a new online high school, new Spanish and Ojibwe language immersion programs, a new evaluation system for teachers and multiple new education program initiatives.
Reached by phone Thursday morning, Gronseth expressed pride in the work he's done as superintendent.
Gronseth said the district's mission is focused on the needs and wants of the surrounding community.
"A lot of my work has been about identifying needs (and) what it means to have a diploma from Duluth public schools," he said.
Duluth School Board chairwoman Rosie Loeffler-Kemp praised Gronseth for his leadership and community outreach.
Loeffler-Kemp, who has been on the board since 2013 and served as chairwoman in 2017, has been a parent in the district for 25 years. Her youngest daughter is a junior at East High School. On Thursday, she spoke of Gronseth's advocacy for the district.
School funding has been a perpetual challenge along the way, Gronseth said.
Loeffler-Kemp sounded a similar tone.
"As public schools, we take every child who walks in our door, and we need the funds to help children and families be successful," she said.
In particular, Loeffler-Kemp noted Gronseth's efforts to bolster the district's full-service community schools, including Myers-Wilkins Elementary School, Lincoln Park Middle School and Denfeld High School.
Gronseth, who became the district's assistant superintendent in 2010, was named to the top job after former Superintendent I.V. Foster's resignation January 2012.
Foster had led the district since July 2011 without a required state license and resigned after the board said it was investigating allegations against him. By December, Foster was put on paid leave. Board members later said the allegations only involved the license issue.
Before becoming superintendent, Gronseth was principal at Homecroft Elementary School and assistant principal at East High School. He also worked in the district as an elementary teacher.
He grew up in Morgan Park and is a 1987 graduate of Denfeld High School. He has a master's degree in education from the University of Minnesota Duluth and received his bachelor's degree in education from the University of Wisconsin-Superior.
Gronseth has another 15 months at the helm in Duluth. With his contract up next year, the prospect of moving on has been on his mind, he said.
"It's just the right choice for my family and me," he said.
After his tenure ends, he's keeping an open mind, he says. However, a return to teaching probably isn't in the cards, he said.
Gronseth's wife, Deanna, is the assistant director of special education for Waseca Public Schools in southern Minnesota, and the Gronseths have an apartment in Waseca. Bill Gronseth said his wife enjoys her job but that he isn't sure where the family will end up yet. The Gronseths have two adult children, one in the Twin Cities suburbs and one at the University of North Dakota in Grand Forks.
In the coming months, the School Board will be charged with searching Gronseth's replacement, with guidance from the Minnesota School Board Association, Loeffler-Kemp said. At this point, the board has not discussed a timeline for that search to begin, she said, but members will meet in the coming months to establish a timeline.


text:
Dae-Hyun Kim
Pusan, South Korea
Gotana-Retz; Corporal D. Chang
Daniel Dae Kim (born 4 August 1968; age 51) is a Korean-American actor who made a guest appearance in an episode of Star Trek: Voyager and returned in a different role for three episodes of Star Trek: Enterprise's third season.
His EV under suit from the episode "Hatchery" was sold off on the It's A Wrap! sale and auction on eBay and previously worn by Nathan Anderson in "Anomaly". [1]
Kim was born in Pusan, South Korea and his various other television credits include appearances in numerous cult hits, including a starring role in the short-lived Babylon 5 spinoff series Crusade, as Lieutenant John Matheson; a recurring role as Gavin Park on Angel, as Agent Tom Baker on 24, and his most recent role as Jin in J.J. Abrams and Damon Lindelof's series Lost along with fellow Star Trek actors Terry O'Quinn and Sam Anderson.
Kim appeared briefly as a doctor in the emergency room scene in the 1999 major motion picture For the Love of the Game, starring Kevin Costner.
Kim also shared scenes with future Enterprise co-star and fellow MACO Steven Culp in the 2000 made for TV movie, Murder, She Wrote: A Story to Die For. Duncan Regehr, Henri Lubatti, and J. Patrick McCormack were also part of the cast in this movie.
Kim was rumored to be up for the role of Hikaru Sulu in J.J. Abrams' Star Trek. [2] The role ultimately went to John Cho.
He currently stars in Alex Kurtzman and Roberto Orci's remake of Hawaii Five-O as Chin Ho Kelly, with William Sadler as his former Honolulu PD training officer/partner and Steve McGarrett's father, and Sidney Liufau as his cousin Sid. He also provides the voice of Johnny Gat in the Saints Row series of video games, which also featured Michael Dorn as the voice of Maero.
Star Trek appearances Edit
Gotana-Retz
VOY: "Blink of an Eye"
Corporal D. Chang
ENT: "The Xindi", "Extinction", "Hatchery"
DanielDaeKim.com – official site
Daniel Dae Kim at Wikipedia
Daniel Dae Kim at the Internet Movie Database
Retrieved from "https://memory-alpha.fandom.com/wiki/Daniel_Dae_Kim?oldid=2416922"


Enter your zip code below and click submit for a list of recommended Phlebotomy Labs in your area. If there is not a recommended lab close to you, please check locally as their may be some local labs we do not have on our list.
If you do not see a convenient lab, a physician's office may provide the same service. Please contact your physician.


Here is a short review of some of the social and business networks which is considered to be the most popular in 2013. If you have you own predictions, please share them with us, and we will update our report!
Linkedin seems to be one of the main players in social media for media marketers to work in as a network that is designed for business professionals but it is also a prime place to generate B2B leads from.
It is well known that Google is a networking giant.
Basically Google created SEO, as well as a key words search.
And with Google being the search engine giant that it is, it set up a historic battle between SEO specialists.
Google+ is a giant search engine optimizer.
- it's also a place as to where your SEO efforts matter.
Pinterest is interesting hidden market model.
It isn't just a board for beautiful images.
Also take into consideration that the mechanics of SEO are still slowly developing, so you need to use it until it becomes a full-blown marketing tactic.
2. Here is a short review of some of the social and business networks which is considered to be the most popular in 2013. If you have you own predictions, please share them with us, and we will update our report!
4. Linkedin seems to be one of the main players in social media for media marketers to work in as a network that is designed for business professionals but it is also a prime place to generate B2B leads from.
6. In most cases blogs and comments appear to be more like a billboard of advertising links, and ineffective marketing suggestions. But many people are interested in reading the comments about interesting topics.
7. It is well known that Google is a networking giant. Basically Google created SEO, as well as a key words search.
8. And with Google being the search engine giant that it is, it set up a historic battle between SEO specialists.
9. Google+ is a giant search engine optimizer. In other words, G+ isn't just a place to market your business, - it's also a place as to where your SEO efforts matter.
12. Pinterest is interesting hidden market model. It isn't just a board for beautiful images.
13. It is a little bit more (like everything online, it's not only content!) You can use this platform for business development.
15. Also take into consideration that the mechanics of SEO are still slowly developing, so you need to use it until it becomes a full-blown marketing tactic.
16. Provides tools for casual sellers and small businesses to be successful by dealing directly with their customers. These tools along with the ease of the platform make it easy and fast for business owners or product managers or individuals to sell online and advertise their companies, promote their brands.
18. Now, this is where a lot of marketers seem to go wrong. When on Facebook, it's important to remember that it is a social website. Thus, when on Facebook, you must promote yourself as a business person.
19. You need to be social as a person, and as a company. The Facebook crowd you are marketing to is diverse.
21. It is hard, especially when you need to do not only Facebook marketing, but also other marketing for your business.
22. Social media is something that takes a lot of time and effort. Well, on LinkedIn perhaps you can do business marketing, but on Facebook or Google+, it is less successful.
23. Each social network has its own type of audience members. It's a good idea to advertise on all of them. However, if you spend a bit of time finding the right communities/groups/pages—which may take a little while—you will enjoy more success.


A drunk punched an innocent man after knocking on his front door by mistake. Paul Barber, 31, was in the Golden Lion pub on Moss Lane shortly before the attack in August last year.
A drunk punched an innocent man after knocking on his front door by mistake.
Paul Barber, 31, was in the Golden Lion pub on Moss Lane shortly before the attack in August last year.
He had earlier been at a friend's home nearby and after leaving the pub wanted to go back to the house.
By mistake, he knocked on the door of John Burns, who he didn't know, prosecutor Sonia Bellerby told Macclesfield magistrates.
Barber asked 'Where's Becky?' and when Mr Burns said he didn't know who she was Barber became aggressive. Mr Burns thought he was going to be assaulted and pushed him away. Barber then began 'dancing around' Mr Burns on his driveway before punching him in the head, while Mrs Burns' wife watched on from the house.
The two men became embroiled in a scuffle on the ground which was broken up by neighbours.
The police were called and Barber was arrested.
Several independent witnesses supported Mr Burns' version of events.
Barber, of St Paul's Court, St Paul's Road, Macclesfield, admitted assault.
Julian Farley, defending, said: "He accepts full responsibility for this offence and apologises to Mr Burns for his behaviour.
"He knocked on the door believing it was his friend's.
"Mr Burns came through the gate and there was a confrontation. As has been said, Mr Burns pushed Mr Barber.
"In his inebriated state, he (Mr Barber) believed he was being assaulted.
"He accepts he was completely in the wrong, was at the wrong address and Mr Burns was not there to assault him.
"Thankfully Mr Burns suffered very minor injuries.
Barber was given a 12-month conditional discharge and ordered to pay £50 compensation and £120 costs.
He is currently on licence for an arson offence but the court heard he will not be recalled to prison.


Our life is a great gift that we received every day from God. It reminds us of the great love shown by our Creator, a love we never asked for but which was given by the One who only wants for us is to be with Him. Our life has been blessed with numerous gifts that God has generously shared and entrusted to us. Everything we possess physically and spiritually are not only of our own making but through the grace of our loving and merciful God. That is why it is important for us to recognize the call of God to be responsible for all the gifts that we received, no matter how small or huge they may be.
The Parable of Talents in the Gospel of Matthew is part of the teaching of Jesus to his disciples about the Kingdom of Heaven. It tells a story of how people appreciate the talents or gifts given to them in two different ways. First, Jesus teaches us that although God has given us varying talents, we are not asked to go beyond our capacities and capabilities. But by appreciating and using the talents we have received, we are being faithful in doing what the Lord asks of us. Second, if we will not be a good and faithful stewards of the talents entrusted to us due to our fear, laziness, envy of others talents and thereby choose to hide our own gifts, our talents will be taken away by the One who gave them.
In a deeper sense, Matthew is telling us that Jesus has entrusted his mission and work to his disciples. The slaves in the story are the disciples that need to be attentive, good and faithful stewards in the absence of Jesus. In God's time, Jesus will return again and the disciples are charged to be vigilant and to act properly as responsible stewards.
As His disciples today, we have received the responsibility to be faithful and good stewards. We received at our baptism the calling of every Christian to be consistent with our commitment to be good stewards. Those found faithful will be invited to enter into the joy and abundance of the Kingdom of Heaven.
The life entrusted to us by our generous and kind God is our first and important accountability that needs to be appreciate and cherish everyday as Christ's disciples. Our commitment through imitating Christ as his disciples in our community will help us to fulfill the responsibilities and duties entrusted by God to us. It is important to ask for the grace from God for us to maintain our relationship with Him in appreciating the talents or gifts we were given to share.
We need to remember that within our differences and diversity, we will discover the uniqueness of our talents and responsibilities. Success is measured by our selfless sharing what we have received with others.


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CHANCELLOR'S FELLOWS: The title is theirs for five years
By Dave Jones on December 21, 2011 in University
They are not due to be formally recognized until February, but the title is already theirs to keep for the next five years: Chancellor's Fellow.
They are the newest class, the class of 2011-12, faculty members who are being honored early in their careers, for having already compiled outstanding records of achievement. Each fellow receives a $25,000 prize.
The 2011-12 fellows, all associate professors, are: Simona Ghetti of psychology, Stacey Harmer of plant biology, Yiyun Li of English, Xin Liu of computer science, Alexander Revzin of biomedical engineering, Kurt Rohde of music and Qing-zhu Yin, geology.
Then-Chancellor Larry Vanderhoef launched the fellows program in 2000, making this year's class the 12th. With this new class, the campus has recognized a total of 70 fellows. See a list of all Chancellor's Fellows since 2000.
The Chancellor's Club and the university's annual fund support the program.
An invitation-only reception for the new Chancellor's Fellows is scheduled for the evening of Feb. 23, with Chancellor Linda P.B. Katehi and Provost and Executive Vice Chancellor Ralph J. Hexter as the hosts.
Here are profiles of each of the 2011-12 fellows:
• Simona Ghetti, psychology — Her research focuses mainly on the development of memory and metamemory in middle childhood. A recent area of research looks at the influence of metabolic changes — including hydration and dehydration — on memory function. George R. Mangun, dean of Social Sciences, writes that the research has huge practical implications for athletes and others who are subject to dehydration. "Dr. Ghetti's approach is both systematic and rigorous," Mangun said. Ghetti received her doctorate from UC Davis in 2001 and joined the faculty in 2005. She previously worked as a tenured research professor for the National Research Council in Bologna, Italy. She received her undergraduate degree in psychology, summa cum laude, from the Università di Padova, Italy.
• Stacey Harmer, plant biology — She is an international authority on circadian rhythms in plants — the process by which internal clocks, set by length of day, inform plants of the change of season, and tell them when to make shoots, flower, seed and drop leaves. These internal clocks, her research has shown, have wide influence over other genes and activities — discoveries that will be crucial for improving crop yields through plants that can adapt to different climates and conditions. Harmer earned a bachelor's degree from UC Berkeley and a doctorate from UCSF, and she conducted postdoctoral work at The Scripps Research Institute before joining the UC Davis faculty in 2002.
• Yiyun Li, English — No sooner had The New Yorker magazine named her to its list of 20 writers under 40 considered to be the best in the country, than she published her second novel, Gold Boy, Emerald Girl, to critical acclaim; and soon after that she received a MacArthur Foundation fellowship. All this happened in 2010, and it is all "very impressive," said Jessie Ann Owens, dean of Humanities, Arts and Cultural Studies. Professor Scott Simmon, chair of the English Department, said no previous writer can match Li's mix of "savage comedy and compassion within specific cultural contexts." She joined the UC Davis faculty in 2008. She holds two Master of Fine Arts degrees, one from the Iowa Writers Workshop and the other in creative nonfiction from the University of Iowa; and a Bachelor of Science degree from Peking University.
• Xin Liu, computer science — Smartphones and tablet computers are becoming more prevalent, data transfer is exploding and wireless networks are being strained. Which is where Liu comes in with her research, looking for ways to use resources more efficiently — say, by deploying "smart radio" technology, in which devices seek out temporarily unused areas of the radio spectrum, and by programming devices so that they better manage their resources. For example, a smartphone might automatically carry out less data synchronization on days when its user makes a lot of phone calls. Liu holds bachelor's and master's degrees in electrical engineering from Xi'an Jiaotong University, China, and a Ph.D. from Purdue University. She was a postdoctoral researcher at the University of Illinois Urbana-Champaign before coming to UC Davis in 2003.
• Alexander Revzin, biomedical engineering — Working at the interface of biology, his lab specializes in developing miniaturized tools to study and work with living cells, such as "lab on a chip" technology that can be applied in diagnosing human immunodeficiency virus or in studying how stem cells can develop into liver cells. Revzin's work is highly interdisciplinary, involving aspects of microfabrication, surface engineering, biomaterials, biochemistry, and cell and molecular biology. He earned a bachelor's degree from Wayne State University and a doctorate from Texas A&M, and was a postdoctoral researcher at Harvard Medical School before joining UC Davis in 2004.
• Kurt Rohde, music — "As a musicologist myself, I feel that I can offer a very strong assessment of his qualifications for the award," Dean Owens said. "As a composer, violist, teacher, and departmental and professional citizen, Professor Rohde has established a stellar reputation locally, nationally and internationally." In the past two years alone, wrote Professor Christopher A. Reynolds, chair of the Department of Music, Rohde has composed at least eight significant works. Reynolds' letter of nomination began its commentary on Rohde's creative activity by emphasizing both his prolific output and his range of modes, listing five recent works "that have very different profiles." One recommendation said: "one of the finest composers of his generation."
• Qing-zhu Yin, geology — His nominator, Professor David Osleger, acting chair of the Department of Geology, calls Yin "a rising star in the field of geochemistry and cosmochemistry … whose innovative work sheds light on some fundamental questions about the origin and history of our planet." He integrates highly technical analytical work with a deep understanding of the theoretical context of diverse isotopic systems. "His work is widely regarded as pioneering research in the field, providing critical constraints on the timing of planetary formation, core segregation and crust-mantle evolution." He received a bachelor's degree in earth science at Peking University, a master's in geochemistry at the Graduate School of the Chinese Academy of Geological Sciences in Beijing, and a doctorate in cosmochemistry at the Max-Planck Institute in Mainz, Germany. He joined the UC Davis faculty in 2003.
Media contact(s)
Dave Jones, Dateline, 530-752-6556, dljones@ucdavis.edu


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Georgia Tucker - Advena
Advena
By Georgia Tucker
"A tropical paradise in the green zone"
Advena 1. Stranger, alien, tourist.
Advena (2021) is a virtual reality (VR) resort that responds to our desire for escapism during the pandemic – discovering an idyllic landscape of tropical fauna, colourful architecture, opalescent orbs and warm beaches. The work explores the ecological and social impact of tourism and its corresponding resorts, simultaneously creating a notion of 'Island life within the city' (Ballymore, 2014). Advena also features an augmented reality (AR) experience that can be accessed from anywhere in the world.
The main audience for Advena will be those who are looking for new experiences, especially worth sharing on social media. The work is Instagrammable, and plays off this; 45% of travellers aged between 18-33, prioritised how Instagram worthy a destination will be over other essential amenities (Schofields; Arnold, 2018). They are the largest consumer group, travelling the most, using social media the most and thus the ones most likely to be influenced by what they see or experience. By sharing the experience online, they will be opening up the audience reach further and also influence others to Enter Advena.
As a dreamscape, coined by Gestalten to identify the CGI landscapes popping up over social media more frequently during the pandemic; Advena is 'full of exquisite structures and extraordinary natural surroundings that can't, and won't, ever be built' (Stuhler, 2020). The full experience of Advena is designed to be an overstimulating sensory experience, highlighting the excessive nature of current fast lifestyles and our craving for more stimulation.
Throughout the experience you are encouraged to remain on the pathway. People don't often question why they are following pathways, and routes that are laid out for them – nor do we question our susceptibility to influence.
Hoare Lea, Arebyte Gallery, Offsite Projects, NEON, Bamsound Creative, REI plc and Kevin Luckhurst. A special thanks to: Graham Cowell, International Curators Forum, Paul Bassi, Chris Lane, Rebecca Edwards, Scott Marshall, Paulie Roche, Leah Woolford, Louise Neville and Jade Shapiro.
Georgia Tucker is an artist who uses immersive technology to create meaningful conversations and experiences. Using large-scale art installations and interventions in public spaces, she creates memorable and interactive works which focus around various challenges of climate change.
Georgia is currently studying her MA at Birmingham School of Art and has screened and exhibited her work internationally, working collaboratively and learning from industry experts. Her work explores the complexity of materiality, environments and ecologies represented in virtual experiences. Transforming the sense that the viewer's world is both alien and familiar. She is pushed by the layering of virtual and physical spaces, relying on a collaboration with the viewer as
they turn from a passive audience member to active participant.
During the pandemic while travel became redundant and pollution decreased, Georgia spent her time building the tropical environment of Advena. The work became an escape from lockdown and an exploration into the meaning of 'sustainable resort', looking at our desires. The initial proposal for Advena was supported by Arebyte Gallery on London City Island.
See Hotel Generation 2020 on arebyte.com
Radley Cook (Penzance), Sarah Danaher (Leicester/Leeds), and Georgia Tucker (Birmingham) were 3 of 4 artists selected to be part of hotel generation 2020. For AOS they present work made during or after the development stage of the programme. The works are released in conjunction with the final selected artist, Kate Frances Lingard's exhibition at arebyte Gallery.
The judging for 2020 was comprised of Zach Blas (artist and writer based in London), Helen Starr (curator-in-residence at FACT, Liverpool), Hannah Redler Hawes (Associate Art Curator / Director, Data as Culture at the ODI, London), Erin Weible (Engagement Director at Microsoft Art Collection) and Klio Krajewska (Head of New Media Arts Development at Watermans Art Centre).


The Evansville Diocese will collect and release the names of priests in the diocese who have been credibly accused of sexual abuse of minors.
EVANSVILLE, Ind. — Evansville Bishop Joseph M. Siegel announced Thursday the Evansville Diocese will collect and release the names of priests in the diocese who have been credibly accused of sexual abuse of minors over the years.
Siegel declined to give any kind of timeline for the release of names.
This announcement comes about two weeks after an Evansville Diocese priest was put on administrative leave after the diocese received a report of sexual misconduct.
Father David Fleck denies the claim of sexual misconduct that reportedly happened decades ago, according to the statement from the diocese.
Fleck, 69, has served in a number of schools and parishes throughout the diocese, including Mater Dei High School and Vincennes' Rivet High School.
Diocese spokesman Tim Lilley said the church reported the information it received to the Knox County prosecutor and State of Indiana's Child Protective Services hotline. The diocese also initiated its own internal investigation, which is ongoing. In the meantime, Fleck is prohibited from all public ministry.
In December 2003, Evansville church leaders said 15 priests in the local diocese had been accused of sexually abusing minors over the previous 60 years.
Siegel said they'd compile the names of those accused who had been published in The Message, as well as review records dating to the diocese's founding in 1944.
Siegel, according to The Message, will seek the guidance of the Diocesan Review Board.
The review board was formed after the "Policies and Procedures Regarding Clerical Sexual Misconduct with Minors" was ratified by U.S. bishops in 2002. The policy established the review board, a victim assistance coordinator and a promoter of justice.
"While we are working on this report as expeditiously as possible, we need to take sufficient time to be sure that it is accurate," Siegel told The Message.
The move follows similar efforts in Northern Indiana and around the country. The Fort Wayne-South Bend diocese recently released the names of 17 priests accused of misconduct, according to the Catholic News Service.
In California, the San Jose and San Bernadino churches announced they planned to release names, as well.
It all comes in the wake of a major scandal in Pittsburgh, where a grand jury report unearthed decades of priest abuse and cover-ups by those in power.
Victims of sexual misconduct by a priest or a person ministering on behalf of the church, or those who know of a victim are asked to contact police and the Diocesan Victim Assistance Coordinator at 812-490-9565 or toll-free at 1-866-200-3004.
April 5, 2019, 12:11 a.m.
April 4, 2019, 11 p.m.


Are you a new business owner with questions?
Come and join us at our New Business Workshop on Thursday 27th November 2014 at our premises in Salisbury where you will have an opportunity to ask the questions you need answered when starting out in business. We will also advise how to keep your accounts correctly in line with HMRC's record keeping expectations.
You probably would like an answer to at least one of the following questions but I guarantee you will learn far more!
How much money can I take from my business?
When do I have to do a tax return?
How much money should I save for my tax?
When will I have to pay tax?
You will be able to meet other new business owners who may have similar questions to you but who may also ask about things you hadn't even thought about. Its an opportunity to voice your questions amongst others in the same position with an experienced bookkeeper who can provide you with the facts you need to make the right decision for your business.
We work with a variety of businesses from start up to £2m turnover and being part of their growth gives us valuable knowledge and experience to share with you.
Don't bury your head in the sand if you don't understand something. Take this opportunity to get some advice. You will find us very friendly and approachable. We may also be able to put you in touch with others who can help you with aspects of your business - perhaps a grant might help or maybe you need a website or some marketing advice.
Give us a call now to reserve your place on our Workshop - there are only 10 places available - or email info@sandrasilk.co.uk.


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All companies conducting business with the US Department of Defense must be certified under the CMMC process. Unsplash
CMMC: How will it work?
By Ray Harvey | Melbourne | 5 December 2019
In April, at a NSW Defence Readiness Panel, I was asked to explain the implications of NIST800-171 on ITAR/EAR compliance. As I said then, all of my top-level discussions implied that it was a question of 'when', rather than 'if', contractors begin encountering it.
We know the 'when' and we know the 'what'. So now we'll look at the 'how'.
Like Australia's Defence Industry Security Program (DISP), CMMC (Cybersecurity Maturity Model Compliance) is a multi-tiered framework where each level of capability builds upon the one below it.
There are 17 Domains, or categories of cybersecurity best practice. Some examples of which are "Access Control", "Identification and Authentication", "Media Protection" and "Risk Management."
Each Domain is defined by a set of Capabilities, intended to ensure security objectives are met. These Capabilities have activities called Practices and Processes that enable them to be achieved. Practices will measure the technical activities required to achieve compliance with a given capability requirement, and Processes will measure the maturity of a company's processes.
There are five Maturity Levels (ML) in the CMMC framework, but only three have been defined in draft form to this point.
CMMC ML 1
This aims for basic cyber hygiene using US 48 CFR 52.204-21. These are 15 fundamental practices that form the foundations for higher levels of maturity. Although there are 17 Domains in CMMC, not all of them have Level 1 practices. The 15 practices in US 48 CFR 52.204-21 map to 17 of the practices in NIST SP 800-171 and define ML 1. A large proportion of all supply chain businesses will begin their CMMC journey here.
This aims for intermediate cyber hygiene. Organisation is expected to establish and document standard operating procedures, policies, and strategic plans. ML-2 is a maturity transition level to assist in reaching ML-3 where Controlled, Unclassified Information is handled. ML-2 also introduces FIPS-validated cryptography to protect information confidentiality. There are 51 NIST SP 800-171 practices that define ML 2.
This requires that organisations have demonstrated good cyber hygiene and effective implementation of controls that meet the security requirements of NIST SP 800-171 Rev 1. Organisations that require access to CUI and/or generate CUI should achieve CMMC Level 3. There are a number of documents referenced that define the first three maturity levels of the CMMC; ML-2 and ML-3 benchmarks are challenging.
Not every organisation is going to get certified the first time around, which will cause delays as remedial work is done. Then it's back in the queue for a second assessment.
NIST SP 800-171r1 - Protecting Controlled Unclassified Information in Non-Federal Systems and Organizations. This NIST guidance does most of the heavy lifting required to meet CMMC.
48 CFR 52.204-21 - Basic Safeguarding of Covered Contractor Information Systems. This US Gov guide lays out the 15 basic security controls that define ML-1. Draft V0.6 maps these to the UK's Cyber Essentials, and Australia's Essential Eight where applicable.
Essential Eight Maturity Model, Australian Cyber Security Centre (ACSC). The Essential Eight forms part of Australia's Defence Industry Security Program (DISP).
National Cyber Security Centre's (NCSC) UK Cyber Essentials. The Cyber Essentials form part of the UK's Cyber security for defence suppliers (Def Stan 05-138).
The significance of these four documents will be explored in part four of this series, where we will explore ways businesses can get a head start on some of CMMC's low hanging fruit.
Note: Ray Harvey works as a Custodial Information Security Specialist, BDM Defence/Aerospace/Space at Cider House ICT in Melbourne.
US defence contracts: the shape of things to come
US defence contracts are about to change


Look for a partner in the medical field that will be able to support the research that I do.
Think about how to make sure that the population doesn't become retraumatized.
Can I be innovative through the visual language of the project? How do I give the tool it's own identity?
How do I get beyond my own experiences?
After more critical thought on the feedback I received, I've come around a little more more to idea of including AI or a Chatbot into my project. I'm still struggling a bit about how to make AI into something that is useful and not end up just making a statement piece.
The effects Grey Divorce (divorce between persons with age 50 and over) on Adult Children (persons with the age 18 and over) of during and after the divorce process.
Development of a Digital Therapy for Adult Children suffering from the effects of Grey Divorce (divorce between persons with age 50 and over).
Overarching Research Question: Can a digital service (Digital Therapy) be used to alleviate the emotional pain and psychological stress in those who have experienced a traumatic event.
In order to prove the assumption that a digital therapy can and should be developed for the future, I will study the population of Adult Children of Divorce.
Ultimately the intent is to show how an empathetic methods and translations of research can be used to uncover latent needs and potential desires for a population and how an interactive platform/digital therapy as a creative resolution could potentially improve quality of life.
The application of this thesis will be to interpret the research as a digital functional tool and aide for adult children of divorce.


Marcelo says he "gave everything" for Zinedine Zidane, who he says got the best out of him during his time at Real Madrid.
The Brazilian won three Champions League titles under the French manager, who departed the club this past summer.
Zidane remains unemployed at the moment, while his successor, Julen Lopetegui, was dismissed shortly after taking the job and replaced by Santiago Solari.Marcelo has found more competition than in years past with the rise of Sergio Reguilon.
The defender hailed the contributions made by former manager Zidane, though, a boss that got him to work as hard as he possiby could.
"It was strange as most of us did not know about it because everything was wonderful and for me it was a shock," he told Esporte Interativo.
"We had a wonderful relationship as we talked every day; he was interested in me and he defended me.
"Zizou was very good to me as he was a professional, and I did everything for him; I ran, I fought, I played injured.
"Practically, I gave everything for Zidane."
Marcelo also discussed the departure of Cristiano Ronaldo, one of his closer friends during his time in Madrid.
The defender was among the first to be made aware of the Portuguese star's departure, but its not the only exit that has impacted him this season.
"I played nine years with him and it's normal to be sad.
Despite it all, Marcelo says he has no reason to leave the club, even if links to Juventus have swirled in recent months.
"Leaving Madrid has never crossed my mind, I trust myself more than any other person and there is no reason to leave," he said."If that happens, they can pay me and everything will be fixed.
"I trust in myself, in my work, but if the day comes when Madrid do not want me, I'm going.
"I'll be sad, but I'll go, though I'm sure that I'm not going to be offloaded."Goal.com.