Take a guided, problem-solving based approach to learning Algebra. These compilations provide unique perspectives and applications you won't find anywhere else.
Sharpen your skills with these quizzes designed to check your understanding of the fundamentals.
From cracking cryptograms to calculating the top speed of a rocket, algebra gives you tools to apply mathematical reasoning to a wide range of problems. Dive in and see what you already know!
From supply and demand to position and velocity, equations model the world around us. Equip yourself with the tools necessary to solve for x.
Arm yourself with the tools to be the king or queen of heady mathematical debates, like the age old question of whether 0.999.... = 1.
Your music collection grows by 20 songs every week. If you currently have 1,000 songs, how many weeks will it take to amass 3,500 songs?
If one Bitcoin and 100,000 Dogecoin are worth $480, and two Bitcoin and 150,000 Dogecoin are worth $948, would you rather have one Bitcoin or 100,000 Dogecoin?
Absolute value is a mathematician's way of judging numbers by their magnitude rather than their positive/negative value. It is the distance of the number from 0 on a number line.
When is 2x greater than x? Compare algebraic expressions with linear inequalities.
When does revenue exceed cost? When will one race car pass another? Model these values with polynomials and use polynomial inequalities to solve questions like these and more.
Is a company's profit greater in magnitude than its loss? When is the error in the length of a candy bar acceptable to the factory?
When will a bacteria colony reach a certain size? When will one investment outperform another? Many real-world models use exponential functions, and you'll need these tools to compare them.
Logarithmic inequalities are useful in analyzing situations involving repeated multiplication, such as interest and exponential decay.
Quadratic equations describe the motion of a baseball after it connects with a bat, and the acceleration of gravity at the Earth's orbit.
Learn how to eliminate the linear term and see through messy quadratics. You'll know just how high to shoot your three-pointer to avoid tall defenders.
This one number can tell you whether the solutions to a quadratic equation are real or non-real, and whether they are distinct or repeated.
Combine your skills of working with exponents and manipulating expressions for radical glory.
What's the sum of the first 100 positive integers? How about the first 1000? Learn the fun and fast way to solve problems like this.
A geometric progression is a sequence of numbers where the previous term is multiplied by a constant to get the next term. 1, 2, 4, 8,... is a geometric sequence where each term is multiplied by 2.
Functions map an input to an output. For example, the function f(x) = 2x takes an input, x, and multiplies it by two. An input of x = 2 gives you an output of 4. Learn all about functions.
Graphs are visual representations of functions. If you know how to read graphs, you can say a lot about a function just by looking at its graph. Learn this fine art of mathematical divining.
Functional equations are equations where the unknowns are the functions. Rather than solving for x, you solve for the function in questions like "Find all functions that have these properties."
From profit/cost models to the flight of a baseball to approximating the motion of a wave, polynomials are a mathematical way to represent values which are sums of powers of variables.
A factored polynomial reveals its roots, a key concept in understanding the behavior of these expressions.
You might have heard of remainders in simple division, but what about remainders when dividing polynomials?
A rational function can have a variable like "x" in the numerator AND the denominator. When this happens, there are some special rules and properties to consider.
Express rational functions as a sum of fractions with simpler denominators. You can apply this to telescoping series to mass cancel terms in a seemingly complicated sum.
Floor functions map a real number x to the largest integer less than or equal to x. You can probably guess what the ceiling function does.
Adding 10 to itself 10 times gives 100, but how can we represent 10 multiplied to itself 10 times?
Develop intuition for how to evaluate an exponents that are negative and fractional!
From compound interest to bubonic plague, things that grow or spread really fast are often modeled by exponential functions. Learn about these powerful functions (pun intended?).
Logarithmic scales are used when the range of possible values is very wide, such as the intensity of an earthquake or the acidity of a liquid, in order to avoid the use of large numbers.
Polar coordinates are a way to describe where a point is on a plane. Instead of using x and y, you use the angle theta and radius r, to describe the angle and distance of the point from the origin.
As a particle moves, its position can often be written in terms of time. Systems like these can be modeled with parametric equations, which cleverly write coordinates in terms of a parameter.
"Complex" numbers share many properties with the real numbers. In fact, complex numbers include all the real numbers, so you know lots of them already. Such an overachiever.
De Moivre's Theorem shows that to raise a complex number to the nth power, the absolute value is raised to the nth power and the argument is multiplied by n.
Apply linear algebra to solve systems of linear equations, find paths in graph theory, and map rotations of points in space using matrix operations. It's a true intersection of engineering and math.
Vieta root jumping is a descent method that occurs when you have to solve a Diophantine equation whose solutions have a recursive structure. Popular in advanced math olympiad number theory problems.
Gauss, Ramanujan, and a pantheon of other mathematicians have given us algebraic manipulation tools way beyond what's taught in school. Learn what they knew.
If a coin comes up heads you win $10, but if it comes up tails you win $0. How likely are you to win exactly $30 in five flips?
The rational root theorem describes a relationship between the roots of a polynomial and its coefficients. For a good time, use the theorem to prove that the square root of 2 is not rational.
Vieta's formula relates the coefficients of polynomials to the sum and products of their roots. This can provide a shortcut to finding solutions in more complicated algebraic polynomials.
This is completing the square generalized to higher degree polynomials!
Advanced factorization is a gateway to algebraic number theory, which mathematicians study in order to solve famous conjectures like Fermat's Last Theorem.
Suppose you have a system of 50 linear equations. It's tedious and impractical to solve them by hand. Polynomial interpolation is your better alternative.
A root of unity is a complex number that, when raised to a positive integer power, results in 1. Roots of unity have applications to the geometry of regular polygons, group theory, and number theory.
In a symmetric polynomial, you can interchange any of the variables and get the same polynomial. Symmetric polynomials form the basis of Galois theory, which connects group theory and field theory.
Chebyshev polynomials are a sequence of orthogonal polynomials that provide recurrence relations useful for solving polynomials and approximating functions without extensive calculation.
Your destination for questions of the form "do we know if this expression is always greater than this other expression?" Explore what humans know about mathematical inequalities.
This chain of inequalities forms the foundation for many other classical inequalities. See how the four common "means" - arithmetic, geometric, harmonic, and quadratic - relate to each other.
Given 5 sticks of length 1, 3, 5, 9, and 10, how many distinct triangles can be formed? Learn the techniques and develop an intuition for working with geometric inequalities.
The smell of linoleum. Apple juice and cookies at halftime. And extra hard math problems. Do it for the love, the thrill. Learn more about getting in on the action of math competitions.
Browse through thousands of Algebra wikis written by our community of experts.
How are exponent towers evaluated?
Does a square root have two values?
Do Square Roots Always Multiply?
What is 0 to the power of 0?
Does cross multiply always work for inequalities?
How does addition in the denominator work?


Review: 2013-01-11, pretty good toe-to-toe fight between Brandon Gonzales and Don Mouton: three stars. The undefeated Brandon Gonzales (16-0-0) entered as the No.45 super middleweight in the world while Don Mouton (12-4-1) entered as the No.83 middleweight. Gonzales vs Mouton is on the undercard of John Molina vs Dannie Williams. Watch the video!


Welcome to the Willowbend Golf Club web site. Located in northeast Wichita, Willowbend is the only Tom Weiskopf / Jay Morrish designed par 72 golf course in Kansas. It was opened in 1987 and is considered to be one of the finest golf courses and practice facilities in the state. The course has been host to numerous events including the Nike Tour, Futures Tour, U.S. Open, Senior U.S. Open and Web.com Tour qualifying.
Willowbend features an excellent golf course that is beautifully maintained, friendly members, a bevy of social activities and a courteous staff to help you feel welcome. You will enjoy the casual, golf centered atmosphere at Willowbend where we have very active Men's Club, Ladies' Club and Couples organization. We also offer a very wide range of Junior Golf opportunities, both instructional and competitive.
Our restaurant, the Willowbend Cafe, is available and open to the public. We provide a casual dining experience with great food and a full bar service where we get to know you individually. We offer daily lunch specials in addition to the menu service. Email Cafe@willowbendgolfclub.com to be added to our email list and keep up on all of the special events and food and drink specials.
Willowbend Golf Club has been fortunate to form wonderful partnerships with a number of other great businesses. All Willowbend Golf Club members have the opportunity to enjoy a duel membership with Genesis Health Clubs, where you have access to fitness equipment, personal training and both an indoor and outdoor pool. This has been a great partnership for the past 6 years and the two private clubs are able to combine our services to provide an unparalleled value to our members.
We are happy to invite you to Willowbend Golf Club to get a personal tour of the facilities and discuss our membership options available to you! You can contact us by phone at 316-636-4653 or by email at Proshop@willowbendgolfclub.com.
Let us host your golf, social or special event.
New membership inquiries can be made to Jim Elliott, General Manager via phone at 316-636-4653 or via email at Jim@willowbendgolfclub.com.
Keep an eye on the Event Calendar for social, golf & special events!
At Willowbend, we pride ourselves on continuous improvement to the golf course.
Willowbend Golf Club provides an unequaled value with all of our membership options. We work hard to continually improve our facilities and create a casual and inviting atmosphere. All Willowbend Golf Club memberships include full access to the practice facilities with unlimited range balls. We also do not have any food minimums and there are no financial assessments.
Currently, we will waive the typical $1,200 initiation fee with a one year agreement to membership. This is a limited time offer.
If you would like to learn more about a Willowbend Golf Club membership, please contact us to schedule a meeting and tour. We would be happy to show you, in person, what we have to offer and how we can make Willowbend Golf Club your golf and entertainment home.
Thank you for your interest in a membership to Willowbend Golf Club!


Featured is a wonderful piece of Classic Carnival Glass. This small berry bowl is by Dugan Glass and is in their "Maple Leaf" Pattern. It has a single pedestal foot of three "branches". The base has a leaf design while the interior of the bowl has "Peacock Tail Feather" design. It measures about 3 inches tall and about 4 inches in diameter. It sits on a round base that's 2 3/4 inches in diameter. This piece has wonderful iridescence and is in excellent vintage condition, free from any chips or cracks.


The Polish cable operator Inea has obtained credit totalling PLN930 million (€223.2 million).
According to Wirtualne Media, it will be used to pay off existing debts and invest in the company's fibre-optic infrastructure.
It adds that the funding is being provided by eight banks, with an agreement having been signed on March 29 and the credit obtained by April 17.
As previously reported by Broadband TV News, Inea, which is the largest cable operator in Wielkopolska (Western Poland) was recently acquired by Macquarie European Infrastructure Fund 5 (ME1F5).
The deal was approved by Poland's Office of Competition and Consumer Protection (UOKiK) in January this year.


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In addition to Weng Weng's wacky adventures in "For Your Height Only" (1981), we'll be screening the shock-umentary "Machete Maidens Unleashed!" (2010) just before it!
"Machete Maidens Unleashed!" is a documentary about the Filipino exploitation movie scene of the 70s and 80s (think Roger Corman classics), and will give you a crash course on Pinoy grindhouse cinema just before we dive headlong into "For Your Height Only".
2. The number of seats you'd like to reserve (maximum of 4 seats per email request) for each movie. If you tell us you want two seats for "Machete Maidens Unleashed!" you will not automatically be added to the "For Your Height Only", and vice-versa.
"Machete Maidens Unleashed!" is rated R21. Only adults aged 21 years or above are allowed into the screening room. Please have your ID ready for checks — you will not be allowed entry if you fail to produce a valid ID upon request.
This is a free event and seats are issued on a first-come, first-served basis. Once you've emailed us your request, we will mail you back confirming your reservation. Your seats are not reserved until you hear back from us.
"Machete Maidens Unleashed!" will start screening at 7PM on June 27. Please be at The Arts House Screening Room before 7PM to register and collect your wrist tags.
Please note that if you only want to watch "Machete Maidens Unleashed!", you will need to vacate the screening room when the movie ends (before "For Your Height Only" starts).
As described on our website, "For Your Height Only" is rated PG and will start screening at 8:30PM. There will be a five minute intermission between screenings.


Cardiothoracic and Vascular Surgery (CTVS) is a specialized medical branch that offers surgical correction and treatment for organs of the thoracic cavity that compress of the organs heart, lungs, esophagus and some crucial blood vessels.
The aim of CTVS is to ensure the circulatory system of the body stays functional. CTVS is one of the most specialized medical branches that requires immense expertise and medical proficiency. Avail the best quality care at ILS Hospitals, with the help of CTVS experts.


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The Towering Inferno (1974)
Action, Disaster, Drama, Thriller
John Guillermin, Irwin Allen
Steve McQueen, Paul Newman, William Holden, Faye Dunaway, Richard Chamberlain, Fred Astaire, Susan Blakely, Robert Vaughn, Robert Wagner, Jennifer Jones, O.J. Simpson, Susan Flannery
McQueen & Newman's Towering Performances
Based upon the novels "The Tower" and "The Glass Inferno", "The Towering Inferno" starring Steve McQueen and Paul Newman is one of the better disaster movies to have been released during the 70s and is up there with the likes of "The Poseidon Adventure" and "Airport". Complete with a cast which reads like a who's who of movie stars, "The Towering Inferno manages" to deliver drama, tension and action without ignoring the importance of the storyline which as well as being genuinely thrilling also delivers a strong message about the dangers of building skyscrapers.
At the launch party for a newly developed 138 storey skyscraper, a short circuit in a faulty wiring unit causes a major fire. With the party goers trapped high above the danger the San Francisco fire department lead by Fire Chief Michael O'Hallorhan (Steve McQueen - The Thomas Crown Affair) and the towers architect Doug Roberts (Paul Newman - The Sting) set about rescuing them before the fire takes complete hold of the building.
What makes "The Towering Inferno" such a good movie is that it is surprisingly realistic, and although we are talking about a movie which was made before the development of CGI, everything about it is believable. You don't feel for a moment that the storyline has been contrived purely to create a movie and you get a real sense that this sort of thing actually happens. This is part of the reason why "The Towering Inferno" Works.
But it is also the fact that behind the main premise of the tower under threat by fire there are several storylines which makes you engage in what is going on. You have the plight of all the part goers stranded above the main fire, there is the attempt by the fire service to create a winch between the party goers and an adjacent building and the attempt by Doug Roberts to rescue a woman and children by traversing a wrecked stair well, to name just a few. It is the way these different threads work individually but also together which grabs your attention. Directors John Guillermin and Irwin Allen have worked these storylines perfectly so you emphasise with the people in each scenario rather than wondering what disaster will hit them next.
Unlike modern disaster movies, "The Towering Inferno" does not overly rely on wowing you with special effects. This is not to say that the film is devoid of anything spectacular as it certainly has its share of explosions and falling debris, it's the fact that the driving force is the storyline. But the most surprising thing is that despite being made in the 70s, the special effects are as impressive as anything which you see in modern movies.
Undeniably Steve McQueen and Paul Newman are the stars of the movie, giving "The Towering Inferno" the powerful leads which it deserves. Most importantly they are believable in their roles and you can quite honestly see McQueen as a fire chief just as much as Newman as an architect. Along side Newman and McQueen is a cast of Hollywood A-listers such as William Holden, Faye Dunaway, Richard Chamberlain and Fred Astaire but instead of just being there to add some glamour to the film each of the characters they play are critical.
What this all boils down to is that although "The Towering Inferno" is now into its thirties, it is still as good today as the first time I watched it. Yes it maybe a little bit dated and the script may be a little bit cheesy, but I cannot put my finger on a film from the last decade which can compete with this classic disaster movie. The story line is great, the effects are great, the cast is exceptional and their performances are great, and all round brilliant film.
Two-Minute Warning (1976)
As the crowds form at a Los Angeles football stadium for a championship game no one is aware of a sniper who has positioned himself above the scoreboard. But when one of the camera crew spots the gunman via footage sent down from th ...
Earthquake (1974)
Following a minor tremor a junior seismologist predicts that a major earthquake is about to hit Los Angeles, but his words fall on death ears until it's too late. When the earthquake hits LA becomes a crumbling ruin with bodies stre ...
Geologist Dr. Adrian Helmsley (Chiwetel Ejiofor - American Gangster) discovers that due to the sun's activity the centre of the earth is warming up and will cause a cataclysmic event causing the earths crust to collapse. Having warn ...
Poseidon (2006)
It's New Years Eve on the Poseidon, a luxury ocean liner, and as the celebrations in the ships ballroom get under way to welcome in the New Year, it looks like everyone is going to have a good time. That is until a gigantic rogue wa ...
The Core (2003)
When 32 people suddenly drop dead at the same time and birds start to behave strangely and fall from the skies something strange seems to be happening. Called into help the U.S. Government to work out what is happening college lectu ...
CHRISTMAS MOVIES ON THE MOVIE SCENE
A Christmas Carol: The Musical (2004)
Broadcasting Christmas (2016)
The Christmas Candle (2013)
The Christmas Shoes (2002)
The Muppet Christmas Carol (1992)
The Twelve Days of Christmas Eve (2004)
The Woodcarver (2012)

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Tony often formally responds to matters of public interest like public consultations and inspection reports. This is an archive of older responses. See also, more recent responses.
Equality and Human Rights Commission – follow-up to Hidden in Plain Sight report, October 2013
In September 2011, the Equality and Human Rights Commission published the findings of its inquiry into disability-related harassment- Hidden in Plain Sight, which found that for many disabled people, harassment – including verbal and physical abuse, theft and fraud, sexual harassment and bullying – is a commonplace experience, and that all agencies can improve their performance in preventing and dealing with disability-related harassment.
Following the report the Commission is reviewing what progress organisations have made in dealing with this issue.
Read Tony's response to the EHRC survey (pdf, 174kb).
Inspection report – Policing in Austerity: Rising to the Challenge, July 2013
In July 2013, HMIC published a report – Police in Austerity: Rising to the Challenge – into how police forces are dealing with the budget cuts.
The cuts to the policing budget in Greater Manchester have been enormous – £145.5m needs to be slashed from the budget by 2015, which means there will be 1,525 fewer police officers on our streets. Tony is pleased that the report recognises that these cuts have also disproportionally affected Greater Manchester, and that GMP, despite its both complex and demanding problems, has responded well to both these challenges and the difficulties of implementing such significant cuts.
GMP has worked innovatively with other agencies in the region to deliver a programme of reform to local public services that is starting to have an impact. This shows that by working together we really can deliver benefits to everyone in Greater Manchester.
Read Tony's response to the policing in austerity report.
HMIC and HMCPSI joint review – prosecution case files, April 2013
In April 2013, Greater Manchester Police was one of six police forces visited by Her Majesty's Inspectorate of Constabulary and Her Majesty's Crown Prosecution Service Inspectorate as part of a joint review into the quality of prosecution case files. In their report, published in July 2013, found that police officers lacked understanding of the importance of the information they were providing to prosecutors and it was often seen as a tick box exercise, with files including irrelevant or incomplete information.
Tony welcomes the publication of the review – Getting Cases Ready for Court – and recognises the importance of effective training for police officers, to make sure files are put together consistently and expediently. He has raised the issues highlighted in the review with GMP and is confident that they are being addressed and Tony will continue to monitor case file preparation within the force to challenge and improve how case files are completed.
Read Tony's response to the prosecution case files review.
Inspection report – stop and search, July 2013
Following the summer riots of 2011, which focused attention on the way police use stop and search powers, the Home Secretary commissioned Her Majesty's Inspectorate of Constabulary to carry out an inspection of the use of these powers across all police forces in England and Wales. The subsequent report, published in July 2013, found that the majority of police forces don't understand how to use the powers effectively and fairly to prevent and detect crime, threatening the legitimacy of the police.
In his response, Tony welcomes the report and recognises this is an issue that affects some communities more than others and is something he feels very strongly about.
Some of the issues raised in the report have already been addressed within GMP following changes to the way stop and search encounters are recorded in Greater Manchester. However, there are areas of concern which Tony intends to pick up with Chief Constable Sir Peter Fahy including local engagement activity, the impact on community confidence and performance monitoring.
In terms of the community engagement and confidence building, the key here is around building trust and confidence within the community to demonstrate that stop and search is a useful tool in fighting crime. After speaking to young people in Greater Manchester about their experience of stop and search, few have been positive and it's critical we address this if we are to get stop and search for our communities.
Read Tony's response to the stop and search inspection report.
Consultation response – Legal Aid reforms, June 2013
In April 2013, the Ministry of Justice announced proposals to reform the legal aid system in England and Wales in a drive to save £220m a year. This included plans for price competitive tendering for legal aid contracts and taking away the right for victims of crime to choose their own legal representation.
In his response to the Government's consultation, Tony expresses serious concerns over the possible impact of these proposals which represent a real threat something that goes to the very heart of British society, the right to a fair trial and will create a justice gap between those who can afford to pay for legal advice and those who cannot.
Tony's response to the legal aid reforms.
Inspection report – disability hate crime, March 2013
In March 2013, Her Majesty's Inspectorate of Constabulary, Her Majesty's Crown Prosecution Service Inspectorate and Her Majesty's Inspectorate of Probation carried out a joint inspection to see how police, probation and the CPS deal with crimes against disabled people. The subsequent report, "Living in a different world: joint review of disability hate crime" found that victims are being let down by the criminal justice system, and progress to improve their experience of reporting offences has been too slow. Although acknowledging some progress has been made, inspectors recommend all agencies must do more to ensure that disability hate crime is treated on an equal footing with other hate crimes, and that victims have the confidence to report crimes.
In his response, Tony welcomes the report and says that he believes the way in which agencies deal with crimes against disabled people is clearly lagging behind other types of hate crime responses. He highlights some of the good work being carried out, but adds there is a frustrating lack of evaluation. He adds that he believes that the key to improving things is through effective engagement with disabled people and groups to understand what the barriers are. He points out that he has already visited a number of projects working with people with disabilities, adding it is encouraging to see the support these organisations give.
Tony's response to disability hate crime inspection report.
Inpsection report – Jimmy Savile investigation, March 2013
In March 2013, Her Majesty's Inspectorate of Constabulary carried out a review into the allegations and intelligence material concerning disgraced former children's entertainer Jimmy Savile. The report, entitled "Mistakes were made", found that many victims felt unable to approach police during Savile's lifetime and that, although systems were in place for the police forces involved to "join the dots", this didn't happen. The report had a series of recommendations.
Although Greater Manchester Police was not directly involved, and was not one of the three forces scrutinised in the report, the Inspectorate invited comments on its report. In his response, Tony says that the report highlights themes which cut across investigations into child abuse. As such he considers the recommendations to be a good starting point, but adds that all agencies have much further to go. He outlines some of the good work being done in Greater Manchester around this difficult area and stresses the importance of all agencies working together to put victims at the centre.
Tony's response to the Jimmy Savile investigation inspection report.
Consultation response – Transforming Rehabilitation, February 2013
The Ministry of Justice invited responses to its proposals to change the way in which offenders were dealt with in the community. This included plans to open up the majority of probation services to competition, managing the commissioning of these services centrally and introducing a system of "payment by results". The consultation ran between 9 January and 22 February 2013.
In his response, Tony expressed serious concerns about the proposals and the lack of detail about what they would mean. He also stressed the excellent partnership working that exists in Greater Manchester and how the region was further advanced than elsewhere on delivering the kind of public sector reform that reduces dependency on public services. He called on Greater Manchester to be exempted from the contract area proposals.
Tony's response to the Transforming Rehabilitation report.


Shop the raddest earrings from amazing Melbourne babe HAUS OF DIZZY online & in store at TIBBS AND BONES! Handmade & hand-painted in Melbourne, shop all the acrylic unicorn, donut, girl power, feminist earrings you need and more!! Grab your fave HAUS OF DIZZY earrings from our Melbourne store - Or have them shipped Australia wide or worldwide! Super proud to be a HAUS OF DIZZY stockist!


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LR-105 byl raketový motor na kapalné pohonné látky, vyvinutý v 50. letech 20. století. Sloužil k pohonu mezikontinentálních balistických raket SM-65 Atlas a nosných raket Atlas , kde byl umístěn spolu se dvojicí motorů LR-89, které bývaly odhozeny několik minut po startů. Byl vyráběn společností Rocketdyne za spolupráce s General Dynamics Jako palivo sloužil letecký petrolej RP-1 a kapalný kyslík. Konstrukčně byl velmi podobný s motorem LR-89, tudíž pracoval na principu otevřeného cyklu a byl chlazen regenerativním systémem cirkulace paliva skrz kanálky ve stěnách. Celkem se uskutečnilo přibližně 570 startů a poslední Atlas II s motorem LR-105 odstartoval v roce 2004.

Varianty
 LR105-3 - Raná verze, tah 375 kN
 LR105-5 - Nejpoužívanější verze, celkem 289 startů, tah 386 kN, používán na raketách Atlas E/F.
 XLR105-5 - Celkem 172 startů, tah 363 kN, používán na raketách Atlas D, palivová turbočerpadla byla sdílená s pomocnými motory LR-89.
 LR105-7 - Vylepšená verze XLR105-5, používán pouze pro vesmírné lety, celkem 50 startů, tah 386 kN.
 S-4 - Pouze koncept, zvažován pro vylepšenou verzi rakety Redstone.
 RS-56 OSA - Poslední a nejmodernější verze. Používán na raketách Atlas II, celkem 63 startů.

Odkazy

Související články
 Rakety Atlas
 LR-89
 Raketový motor na kapalné pohonné látky

Externí odkazy
 http://www.astronautix.com/engines/lr105.htm

Raketové motory
Kosmická technika USA

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Gorkana meets…Daily Mirror's Clemmie Moodie
July 3, 2015 /in Interviews /by Gorkana News Editor
Clemmie Moodie, associate features editor at the Daily Mirror, on being very upfront with PRs, having no set readers and an unfortunate incident involving the world's ugliest dog.
Clemmie Moodie
You've been at the Daily Mirror for seven years, and as well as being associate features editor, you've just taken over the paper's entertainment section, The Ticket – how are you finding the new remit?
It's very early days so we are all still finding our feet, I think. But now that I am across both film and music, and able to forward plan a bit more, the idea is to increase content in both The Ticket and the front of the paper.
Which colleagues at the Daily Mirror do you work with most closely?
I liaise directly with the features desk – Clare Fitzsimons, Nick Webster and Jess Boulton – and, in terms of The Ticket, speak to David Edwards for all things film, and Gavin Martin for music.
What sort of content does The Ticket cover?
Essentially The Ticket is a comprehensive guide for what's coming up in the world of film and entertainment, and what we should all be listening to/playing/watching. As well as movie, album and single reviews, it also covers video games and gig reviews. It's also a great place to discover up n' coming bands or musicians.
How would we spot a reader?
There is no set reader, but basically anyone wanting to plan their weekend or looking for something to go and see the following week will be reading, likewise anyone wanting to update their Spotify or show-off their muso credentials! Old or young, pretty much every genre is covered.
What sort of feature content works best for the paper and online?
Obviously, exclusivity is key; we want to be running something first that the other papers don't have. In terms of The Ticket, it is always great to be the first national newspaper to cover an artist who goes on to be massive – it also won't go unnoticed by the PR (and artist themselves).
We can also run exclusive clips from games or films to run online. In terms of the main paper, I always want to interview people who genuinely interest me, who have done great things or who are massive names. I am far more interested in, say, Sir Ian McKellen than I am the cast of TOWIE.
How would you describe your relationship with PRs?
After 10 years – firstly in showbiz and now features – I'd like to think it was pretty good! I tend to be very upfront with PRs and will always give them a steer on what I'm writing, even down to headlines if they ask (nicely); although these conversations can be painful at the time, it's better to forewarn PRs and work together than for them to have a nasty shock the following day and lose a relationship.
It's also vitally important to be decent so that people want to work with you time and time again; I'm not interested in burning bridges.
How can PRs help with content?
Be proactive, read the paper(!) and never be afraid to suggest a feature or interview. I'd rather be bombarded with ideas, than have an empty inbox.
How important is exclusivity?
Very, but clearly the nature of The Ticket means a lot of our content will be generic – every paper will review the next big Disney movie, for example. Having said that, we will always want something that sets us apart from rival supplements.
You tweeted recently: "Just heard my esteemed colleague on the phone, ingeniously fobbing off a relentless PR: 'Sorry, I'm on work experience.' How do you deal with "relentless PRs"?
Oh God! I shouldn't be allowed on social media… No, really – I'm not a huge fan of the phone, and generally prefer someone pitching to me over email. But if it is something that needs an instantaneous yes/no, then obviously call me as well.
Top tips for PRs when pitching?
Be upfront, keep it brief and, ideally, make it exclusive. In terms of interviews, the bigger, the better, but I am also a sucker for anything quirky or sporty, so very often will go for something other people might turn down. Anything that gets me exercising is also usually a winner!
You've said in the past that you always wanted to be a sports journalist – how did you end up in entertainment?
By default! I was told by my first ever editor post-university that my CV was "too sporty" and I should consider "evening it out" with a stint in features and entertainment. 11 years later…
Until September last year you were also one of the famed 3AM girls – do you miss it or is it a case of "once a 3AM girl, always a 3AM girl"?
The day Private Eye described me as "3AM 'Girl' Clemmie Moodie…" was the day I knew enough was enough. But yes, I can still drink like a Wasps prop – and am quite often still staggering around a party at 3am.
You've won several awards over the years, including Most Funny Columnist at the 2013 LAFTA Awards. To finish, we challenge you to make us laugh…no pressure!
Er, thanks for that. Unfortunately this isn't a joke – during my recent "interview" with Tuna, the world's ugliest dog (which we blurbed on the front page), Tuna the Chihuahua sported a massive erection throughout. The poor photographer had to crop the photos, and the video, and I am still traumatised. I've not heard the end of it in the office, either. Does this count?
Clemmie was talking to Gorkana's Richard O'Donnell
Tags: Clemmie Moodie, Daily Mirror, Entertainment, Gorkana Meets, Showbiz
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Gorkana meets…Attitude Gorkana meets…Daily Telegraph Stylist and Shopping


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Padres show there's nothing small-market about San Diego with Xander Bogaerts deal | Opinion
Bob Nightengale, USA TODAY
SAN DIEGO – The San Diego Padres are absolutely blowing everyone's minds.
They play in the 27th-smallest market in baseball.
They are trapped by the Pacific Ocean to the West, the desert to the East, Mexico to the South and Los Angeles to the north.
And yet, they are spending money wilder than anyone can possibly imagine, sending shock waves throughout the sport.
They signed shortstop Xander Bogaerts to a stunning 11-year, $280 million contract, including a no-trade clause, late Wednesday evening as the winter meetings ended. They paid a $120 million more than the Boston Red Sox's final six-year, $160 million offer to keep him.
This is a team that offered free agent shortstop Trea Turner $342 million over 11 years on Monday, only to be snubbed when he took an 11-year, $300 million contract with the Philadelphia Phillies.
This is a team that informally offered free agent outfielder Aaron Judge a 10-year, $400 million contract on Tuesday, only for Judge to sign a 9-year, $360 million deal to return to the New York Yankees.
All Rise: Aura of Yankee pinstripes too powerful for Aaron Judge to leave | Opinion
More: Where does Aaron Judge's contract with the Yankees rank among MLB's highest paid players?
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Xander Bogaerts became the latest player to sign a monster deal of at least 10 years with the Padres.
They weren't about to be left at the altar again, signing Bogaerts, despite already having Fernando Tatis Jr. and Ha-Seong Kim at shortstop. So now they have Bogaerts playing shortstop, and two shortstops playing out of position with Tatis moving to the outfield and Kim to second base.
If it backfires, hey, it's only money, right?
"We've got a real desire to win,'' Padres GM A.J. Preller said, "and do it for a long time.''
The Padres have become the National League's version of the old George Steinbrenner Yankees, with a franchise record payroll exceeding $235 million and counting, and they still owe Red Sox first baseman Eric Hosmer $12 million a year.
Sure, the Bogaerts contract gives them protection in case All-Star third baseman Manny Machado opts out of the remaining five years and $150 million in his contract.
Well, considering the Padres' spending habits, would anyone be surprised if they doubled it?
All-Star right fielder Juan Soto is a free agent after the 2024 season and already turned down $430 million from the Washington Nationals before he was traded.
You don't think the Padres will give him $500 million?
How about $600 million?
It's hard to believe this is the same franchise that had the sixth-lowest payroll in baseball just five years ago at about $96 million, and had never been in the top half of team payrolls since 2000.
This year, they are projected to have one of the five highest payrolls in baseball, and have given out three contracts of at least 10 years and $280 million in the past four years.
If they're truly a small market team, someone forgot to tell them.
"The Padres are not a small market,'' said agent Scott Boras, who represents Bogaerts, "because they're one of the few major-league teams that has four and five million people and one sport in town. It's kind of like the San Antonio Spurs of the NBA. They're a different franchise because there is no professional sport competition.''
The Padres also drew 36,931 fans a game this past year, fifth-highest in baseball, capping their season-ticket sales for the 2023 season.
"I know few major leagues team that have stopped selling season tickets, including major-market teams,'' Boras said, "so I think we have to identify San Diego as something very different than a mid-market team.
"They have a very successful owner who has the wealth of many of the top major market owners. So to suggest they're not a major-market team is something that doesn't really fit the true economic profile of what they enjoy in this city.''
Certainly, if nothing else, the Padres are making a whole lot of teams uncomfortable. If they can spend like the New York Mets, New York Yankees and Los Angeles Dodgers, despite their revenue being pocket change in comparison, how about all of the other teams? You don't think the rabid fanbases for the Red Sox, Chicago Cubs and all of the mid- and small-market teams in baseball are suddenly screaming, "Why not us?''
"Hey, it's not about ultimately sending a message or winning on that front,'' Preller says. "It's about getting a good player and getting the quality of guys who can play for the Padres.''
And no matter what the price.
Say hello to the Padres, who reside in that serene resort town, who suddenly is turning the baseball world upside down.
Follow Nightengale on Twitter: @Bnightengale
This article originally appeared on USA TODAY: Xander Bogaerts deal proves Padres aren't a small-market team


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Hunter X Hunter X Season X One
Posted on March 16, 2016 March 16, 2016 by Kat Sade
It's been a minute since my last anime post so I hope you'll enjoy some Hunter X Hunter themed talk. I'll admit that I'm super behind with the excitement of Hunter X Hunter. I literally started watching it about two weeks ago and I've never read the manga.
Hunter X Hunter has been an anime that I've been aware of I've just never had any interest in watching it. The thing about anime is that there are definite drawing styles when it comes to the animation and it runs from the more realistic vibe to the more cartoonish. Obviously just like everyone else something I look at when choosing a new anime to watch is how the characters are drawn. I just connect more with certain styles and find them more enjoyable to watch.
I would say that Hunter X Hunter is drawn with a slightly more cartoonish vibe to it that has always made me shy away from it. Shame on me though because you shouldn't judge an anime by its' cover. I recently decided to give it a shot on a whim and so far I've been pretty pleased with it. I completely blew through the first season in about two days! In honor of season one I thought I'd give a bit of a summary on the plotline of show and my thoughts on season one.
Summary of Hunter X Hunter
So the story focus on Gon Freecss a 12 year-old boy on Whale Island being raised by his aunt who decides he wants to be a hunter in order to find his father. The show opens with him catching this enormous fish that nobody's been able to catch since his father, when he was 12. Having been able to catch the fish Gon is given permission by his aunt to take the Hunter's Exam.
The Hunter's Exam is this hardcore test given to people and if they pass it they are given their hunter's license, which grants them a ton of boss privileges. Gon's father is a hunter and Gon believes if he becomes a hunter as well than he will eventually be able to find his father. He also wants to see what is so great about being a hunter that his father would leave him as an infant to be taken care of by his aunt in order to continue his work as hunter.
The first season pretty much focuses on Gon going through the hunter exam and along the way he makes friends (Kurapika, Leorio, and Killuna) and rivals (Hisoka and Illumi).
I've really been enjoying this show but with that being said I would admit that it's a fighter anime spun from relatively the same cloth as many other fighter anime. Gon reminds me a lot of Goku from Dragon Ball. Their personalities are insanely similar as well as their hairstyles 😛
Kurapika definitely has that whole Sauske Uchiha backstory going on. You learn pretty quickly that he is out for revenge against a troupe of bandits that massacred his klan for their eyes. He is currently the last of his line. Sound familiar?
Honestly, I don't know what show/manga came first but it really doesn't matter to me. I saw Dragon Ball and Naruto first so the Hunter X Hunter characters will always remind me of them and not the other way around!
I'm also still a little confused as to what the point of a hunter is and who exactly controls the ones that decide to be dicks? Fairy Tale has the magic council and their guild masters, Naruto has their Hokage, and Hunter X Hunter has… who?!
I get that they have to pass the exam but what happens after that? They just get to run free and do whatever they want? What about people like Hisoka? Don't get me wrong I love his character but something tells me that a man like that shouldn't just be given free range to run where ever. The man oozes murderous rage.
I don't see myself becoming as die hard about Hunter X Hunter as I am with some of my other shows but I do recommend it! It's a fun watch and I can't wait to watch the rest of it. I also plan on buying the manga since I'm pretty sure its' storyline goes past the five seasons currently on Netflix.
Have you ever seen Hunter X Hunter? Comment below with your thoughts!
Tags: anime, anime blog, anime review, fighter anime, Gon, Hunter X HunterCategories: Anime, Anime Review, Grimm Otaku
6 thoughts on "Hunter X Hunter X Season X One"
Pingback: Hunter X Hunter X Season X One | Just my guilty pleasure reblog.
Aaaaaw. Hisoka is one of my anime crushes. He's psychotic but his character is hot, in my opinion. HxH is one of my favourite series. I watched the original adaptation as a kid so it'll always have a special place in my heart. Despite the "cartoonish" art style, the story arcs are deep and serious and I love that. Anyway, glad to hear that you're enjoying it so far.
I'm totally in love with Hisoka! I live for the scenes he's in. I'm really glad I started it \^.^/
High-five! I know, right? He's my favourite character in the series, to be honest. Good for you. 😉
I've finished season two now too and I'm started to get pretty pumped at the direction this show is going 🙂 Season 2 review will def be coming soon!!!
Yay! That's great. I'm glad that you're enjoying it. This is one of my favourite series ever, but of course ONE PIECE will still be at the top. But I really like the world-building in HxH.
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QTWO - Q2 Holdings, Inc.
52 Week Range 53.62 - 93.63
Volume 266,037
Avg. Volume 413,325
Market Cap 4.223B
Earnings Date Feb 10, 2020 - Feb 16, 2020
After 2019 growth spurt, Q2 expands HQ
Growing financial technology company leases new building at Aspen Lake Office Park. Q2 builds apps for banks and credit unions. It was the 20th-largest publicly traded company in Austin in 2018 with $241.10 million in revenue, although it is bringing in much more in sales nowadays because of recent acquisitions.
Top Financial Sector Analyst Says These 3 Stocks Can Climb Higher
We expect a great singer to hit those beautiful high notes, right? We also count on the greatest basketball players to send the ball swishing through the net almost every single time.The same logic applies to the pros on Wall Street. We count on the experts to guide us to the right choice with their depth of knowledge, analytical precision and overall mastery of the art of investing.As is well known by now, 2019 has presented rich offerings to investors. After such an extended run, though, will the market keep soaring higher? Impossible to know, but we can turn to the most seasoned veterans in the field to shine a light on possibilities.BTIG's financial sector analyst Mark Palmer is one such expert. The 5-star analyst ranks as one of the Street's most reliable voices, as his track record can attest to. Recently, Palmer reassessed some of the stocks covered by BTIG and noted 3 names which he thinks are set for more growth ahead.According to TipRanks, a company that tracks and measures the performance of analysts, the Street seems to be in agreement with Palmer. Let's dive in.Paypal Holdings (PYPL)Paypal hardly needs any introduction. The digital payment processor has been an ever-present feature since the turn of the century, meeting consumers' online shopping and money transfer needs back in the days when online shopping was just kicking into gear.The payments giant has been on a shopping spree over the last couple of years. Only last week, Paypal completed the acquisition of a 70% equity interest in Chinese payments provider, GoPay, making it the first foreign online payments platform in China.This comes hot on the heels of November's acquisition of Honey Science Corporation. Honey Science is the creator of a browser extension that helps shoppers find the best online deals. It is a profitable company, with 2018 annual revenue of over $100 million alongside enormous growth of more than 100%. Enough reasons, then, for Paypal to pull the trigger on Honey.Palmer thinks the new addition is an effort by Paypal to "make its platform more robust and differentiated in the face of increasing competition from tech companies such as Facebook Pay.""We believe PYPL's acquisition of Honey will help the company to make significant advances toward two of the goals it has pursued since spinning off from eBay (EBAY) in 2015: ubiquity and increased customer engagement. Honey should help PYPL to capture a consumer's attention at the front end of the shopping funnel in addition to at its back end where it has become increasingly dominant," the analyst said.With this in mind, Palmer reiterated a Buy rating on PYPL, alongside a price target of $130, implying potential upside of 20%. (To watch Palmer's track record, click here)And what does the Street think of Paypal's prospects? The Street is not far behind the 5-star analyst, as it happens. 23 Buys and 3 Hold ratings over the last three months bestow Strong Buy status on the digital payment leader. More that 16% gains could be lining investors' pockets over the coming year, should the average price target of $126.09 be met. (See Paypal stock analysis on TipRanks) Q2 Holdings Inc (QTWO)Digital banking solutions provider Q2 also has not been shy on acquisitions. Following the 2018 purchases of Gro Solutions and Cloud Lending Solutions, QTWO recently completed the acquisition of PrecisionLender, a fast-growing enterprise SaaS provider for financial institutions.The company's cloud-based virtual banking solutions for smaller regional and community financial institutions (RCFIs) seem to be working. In November, QTWO released its latest earnings report with an abundance of good news: record breaking registered users and bookings. On top of this, revenue of $80 million marked a 32% year-over-year increase and a fourth quarter in a row of 30%-plus revenue growth.Palmer views QTWO as "an attractive takeout target," noting its "increasingly robust platform has become more of a threat to its larger competitors." Palmer opined, "Considering the company's prospects to sustain its growth through winning new accounts, increasing penetration of existing accounts by promoting digital usage, and cross-selling across both the deposit and lending sides of the banks and credit unions it serves… We believe shares of QTWO are inexpensive in light of the company's growth prospects, particularly given the expansion of the company's platform beyond digital banking with the additions of Q2 Open, Cloud Lending, Gro and PrecisionLender."As a result, the 5-star analyst kept the Buy rating and $95 price target. Palmer, therefore, sees potential for a 15% gain in the coming year.Q2 currently boasts a full house of only Buy ratings, 6 to be precise, meaning the company has a Strong Buy analyst consensus. The average price target is $93.80, providing upside potential of 14% from the current price. (See Q2 Holdings stock analysis on TipRanks) See also: 3 "Strong Buy" Stocks Poised to Ride the 5G WaveSutter Rock Capital Corporation (SSSS)Sutter Rock is an investment fund with an interest in late stage high-growth, venture-backed private companies. So, essentially, by investing in SSSS, you are investing in the company's portfolio.According to Palmer, the investment firm's market cap of $130 million is "a reminder of how wide the gap is between the company's NAV (net asset value) and its deeply discounted valuation."The net asset value refers to the amount of shares that make up the company's holdings. SSSS has a stake in Coursera, Palantir, Ozy Media, and Course Hero amongst others. In Q3, it sold all its shares in Dropbox for $9.2 million in net proceeds and a realized gain of $1.7 million, and in LYFT, for net proceeds of $13.3 million and a realized gain of $9 million.Additionally, Sutter recently announced a buy-back of $10 million of its common shares, always a promising sign for investors. The sentiment is shared by Palmer, who noted, "We believe the stock is very inexpensive relative to its intrinsic value and that its discount valuation has created an attractive entry point for small-cap investors. The company provides investors with a vehicle through which they can access late-stage venture capital-backed private companies with strong operating fundamentals and the potential for scaled valuation growth in which they might otherwise not be able to invest."Palmer, therefore, maintained the bullish recommendation, with a price target of $11.50. This indicates significant upside potential of 68%.Only one analyst has rated Sutter Rock over the last three months, joining Palmer in the Buy queue. Sutter, therefore, has a Moderate Buy consensus rating. The average price target of $11 is slightly below Palmer's and implies gains of 61% in the new year. (See Sutter Rock stock-price forecast and analyst ratings) Check out these 5 'Strong Buy' stocks that top Wall Street analysts recommend.
One Thing To Remember About The Q2 Holdings, Inc. (NYSE:QTWO) Share Price
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Here is What Hedge Funds Think About Q2 Holdings Inc (QTWO)
Hedge funds are not perfect. They have their bad picks just like everyone else. Facebook, a stock hedge funds have loved dearly, lost nearly 40% of its value at one point in 2018. Although hedge funds are not perfect, their consensus picks do deliver solid returns, however. Our data show the top 20 S&P 500 […]
WIT vs. QTWO: Which Stock Is the Better Value Option?
Q2 Holdings Announces Q2 Human-Digital Experience on Salesforce AppExchange, the World's Leading Enterprise Cloud Marketplace
Q2 Holdings, Inc. , a leading provider of digital transformation solutions for banking and lending, announced today it has launched Q2 Human-Digital Experience on Salesforce AppExchange.
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Edited Transcript of QTWO earnings conference call or presentation 7-Nov-19 1:30pm GMT
Q3 2019 Q2 Holdings Inc Earnings Call
What PrecisionLender's acquisition means for local operations
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Q2 Holdings (QTWO) Q3 Earnings and Revenues Top Estimates
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Q2 Holdings, Inc. Announces Third Quarter 2019 Financial Results
Revenue of $79.7 million, up 32 percent year-over-year and up 3 percent from the previous quarter.
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Q2 Holdings Completes Acquisition of PrecisionLender
Q2 Holdings, Inc. (QTWO), a leading provider of digital transformation solutions for banking and lending, today announced it has completed the acquisition of Lender Performance Group LLC ("PrecisionLender") in a cash transaction valued at approximately $510 million. Based in Charlotte, North Carolina, PrecisionLender is one of the fastest growing enterprise SaaS providers of data-driven sales enablement, pricing and portfolio management solutions for financial institutions ("FIs") globally. On Oct. 1, 2019, Q2 announced it had entered into an agreement to acquire PrecisionLender.
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Q2 Holdings, Inc. Announces Investor Conference Call to Review Third Quarter 2019 Financial Results
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Q2 Named CSO50 Awards Winner for Q2 TrustView, Data Governance and Protection Technology
Q2 Holdings, Inc. (QTWO), a leading provider of digital transformation solutions for banking and lending, announced today it has been named a 2020 CSO50 Awards winner from IDG's CSO for Q2 TrustView, the first data governance and protection technology of its kind for banking and lending. Q2 TrustView, powered by ALTR, enhances Q2's multilayered data management and protection approach and works to mitigate breaches in real time. "Account holder data is one of a financial institution's greatest assets, which also makes it the highest-value target for bad actors," said Lou Senko, chief information officer at Q2.
Q2 does its biggest M&A deal ever
Shelling out more than half a billion dollars on a buyout is a significant milestone for Austin-based Q2.
Q2 Holdings Enters Definitive Agreement to Acquire PrecisionLender
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No Banking Charter? No Problem. Fintechs Team Up With Small-Town Banks
(Bloomberg) -- Customers of Square Inc., the Silicon Valley payments behemoth, might assume that the cash they send to friends on the platform is housed in a glassy building in Silicon Valley, tended to by hoodie-clad tech workers. Actually, that money is more likely to be sitting in a 117-year-old community bank in Iowa.Partnerships between high-flying tech companies and traditional banks, many of them tiny by comparison, are a key force behind the financial technology boom. Because virtually no tech companies have the license required to perform banking services, many of them partner with existing banks to offer a suite of services including checking accounts, credit cards and the back-end and regulatory work the tech companies aren't equipped—or allowed—to handle.Now, driven by the tech industry's thirst to jump into finance, a new crop of businesses are looking to broker the connections between tech and banks. One such business is Cambr, a little-known division of an investment company called StoneCastle, which counts Square and other fintechs as customers. StoneCastle works with more than 800 small banks, spread across the country, ready to take and hold deposits from Silicon Valley startups like Square."Airbnb, one would argue they are one of the largest hotel chains that doesn't own a room," said Josh Siegel, chief executive of StoneCastle Partners LLC. "Our network works in a similar way. We have an account at the bank, it's the room we rent, and we can rent it out to whoever we want."Cambr's service launched last year as a partnership between StoneCastle, which provides the bank connections, and digital banking platform Q2 Holdings Inc., which works on the software and programming. Square's Cash App was one of Cambr's first customers, Siegel said, and it has since added startups like Acorns Grow Inc., MoneyLion Inc., Qapital Inc. and robo-adviser Betterment LLC, in a recently announced deal.What Cambr aims to offer tech companies is a ready-made strategy to accept deposits that they wouldn't otherwise have the license to handle. Here's how it works: A tech company or startup might give Cambr as much as $100 billion of customers' cash, and could then ask the service to spread the money around to potentially hundreds of different financial institutions. A result of spreading out the deposits is that more of the fintech's cash is insured under the Federal Deposit Insurance Corp.'s $250,000-per-account guarantee, offering more coverage than if the money were deposited at a single institution.A Salve for Digital DisruptionThe partnership model, which has rapidly become the go-to for financial technology companies, does pose some risks for banks, particularly if fast-moving startups draw the ire of regulators, as has happened before. "The banks are the supervised entities so the buck stops with them," said Brian Korn, partner and head of fintech practice at Manatt, Phelps & Phillips. "The regulators are waiting for situations where there's a breakdown."But many community banks have embraced such partnerships, seeing them as a salve in times of digital disruption. More deposits can allow small banks to grow and make more local loans. In Cedar Falls, Iowa, the 117-year-old Lincoln Savings Bank, which works with Cambr, has boosted its revenue by partnering with fintechs, said Mike McCrary, who runs e-commerce and emerging technology for the bank. McCrary said that when Lincoln Savings Bank considered how it could best position itself for the next 10 years, fintech partnerships were an obvious answer. "In order for us to be relevant years from now, there had to be something digital," he said. "Now we're putting a lot of resources into this area of our business," including, he said, building out a new team dedicated to working with tech companies. While the partnerships have injected cash into many small banks, some industry watchers have wondered if those banks could be left in a lurch if fintechs eventually got their own banking charters. If they did, community banks could find themselves as direct competitors to tech companies, without the same digital capabilities. But so far tech companies have made scant progress toward winning banking charters, particularly as government concern over digital financial services has grown. Some members of the U.S. Federal Reserve have voiced concern over fintech's risk management capabilities. And Facebook Inc.'s foray into cryptocurrency has drawn ire from lawmakers.One option for tech companies has been to apply for an Industrial Loan Charter, which would effectively grant them license to provide financial services. Square first applied for the charter in the fall of 2017, but its request shows no signs of being approved. Social Finance Inc. also applied for an ILC, but withdrew its application altogether."It's not easy to become a bank here, and we haven't seen much traction in general with the ILC," Matt Burton, partner at venture capital firm QED Investors, said. "What we have seen is continued demand for non-banks to offer banking solutions."Picking PartnersPartnering with multiple small banks is just one option for fintechs. Some, like Apple Inc. which developed a credit card with Goldman Sachs Group Inc., have teamed up with one big bank instead. But there are advantages to Cambr's many-bank strategy. Some tech companies favor "the network approach over the big bank because they can negotiate better rates because both parties are getting something they want,'' said Lindsay Davis, a senior analyst at CB Insights. Smaller banks are also more likely to play ball because they aren't developing competing services."For the big banks, they are optimizing for customer acquisition and cross-selling services," Davis said. "So a tech firm getting into financial services might be cannibalizing an existing business." Joe Yeres, Cambr's vice president of business development, is partly responsible for brokering the connections with community institutions, and travels a few times a month to places like Waterloo, Iowa, and Kansas City, Mo., where some of the banks it works with are located. The trips were eye-opening, Yeres said."I was born and raised in New York metro, so the whole thing is a little funny to me," Yeres said. "I was done with one of the leads of the banking team, and we went out for drinks after work one day, and walking around Waterloo it was like this guy was the mayor, everyone knew him. It was like, 'Wow, this is how this part of the world works.'"Eventually, Cambr has its sights set on a bigger prize: It wants to handle deposits from the tech giants, not just the startups. Many industry watchers believe large tech companies will eventually move to offer more financial services, as Apple already has with the Apple Card and Amazon.com Inc. has with small business lending. But Siegel realizes that Cambr, the little-known product of the relatively little-known StoneCastle and Q2, faces some hurdles. "Do they want to take a risk on a younger platform?" he asks, and in doing so, "upset big finance, which they'll still have to work with on some things?"Still, Siegel is pitching the titans of tech, as they continue to march deeper into the world of finance. He adds: "We've probably been out and visited with almost all of them."(Updates with context on tech companies in the penultimate paragraph. An earlier version of this story corrected the location of Lincoln Savings Bank headquarters. )To contact the author of this story: Julie Verhage in New York at jverhage2@bloomberg.netTo contact the editor responsible for this story: Anne VanderMey at avandermey@bloomberg.net, Mark MilianFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.
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Q2 Holdings Inc (QTWO) CFO Jennifer Noel Harris Sold $1.2 million of Shares
CFO of Q2 Holdings Inc (30-Year Financial, Insider Trades) Jennifer Noel Harris (insider trades) sold 15,000 shares of QTWO on 09/10/2019 at an average price of $80.92 a share. Continue reading...
3 "Strong Buy" Cloud-Based Software Stocks
As more and more businesses go digital, cloud-based software providers stand to reap the benefits. A cloud refers to networks comprised of hyper-scale data centers built using open-source software and commodity hardware. With the demand for cloud-based solutions only growing, enterprises are turning to software companies to provide the digital infrastructure they need to keep pace with a world that's increasingly online. But how are investors supposed to know which stocks are poised to soar beyond the clouds? One way to find these stocks is by using the TipRanks Stock Screener. The Stock Screener lets you sort stocks by sector and analyst consensus to pinpoint the most compelling investments. Using this tool, we were able to find 3 cloud-based software stocks that have garnered substantial support from Wall Street with a "Strong Buy" analyst consensus. This is based on the last three months' worth of ratings from all other analysts. Let's dive in. Salesforce.com, Inc. (CRM) As the pioneer behind customer relationship management (CRM) software, Salesforce has cemented its status as one of the leading players in the space. Based on its solid performance in its most recent quarter, investors are liking what they're seeing. On August 22, the company posted a second quarter earnings and revenue beat driven by the strength of its Sales Cloud and Service Cloud. Sales cloud, the company's largest product, generated $1.13 billion in revenue while the Service Cloud reached $1.09 billion, up 13% and 22%, respectively, from the year-ago quarter.That being said, CRM has been branching out as part of a larger effort to diversify its product offerings. Back in 2018, CRM acquired Mulesoft's software business for $6.5 billion. The deal allowed CRM to offer solutions using data stored in disparate systems, some in the cloud and some in legacy on-premises software. This was followed up by an even larger acquisition of data visualization company Tableau. At $15.3 billion, the purchase was the company's largest acquisition in its history. While some investors originally expressed concern that CRM was biting off more than it can chew with the acquisition, RBC Capital analyst Alex Zukin believes the current valuation of 5.5 times enterprise value to expected 2021 revenue represents a unique opportunity. "We see little meaningful competition and no evidence of pricing pressure or market saturation at Salesforce," the five-star analyst explained. As a result, he assumed coverage with a Buy while raising the price target from $181 to $200 on August 23. He believes shares could surge 32% in the next twelve months.Wall Street clearly agrees as CRM has received 26 Buy ratings and no Holds or Sells in the last three months, giving it a 'Strong Buy' analyst consensus. Its $188 average price target indicates 24% upside potential. ServiceNow Inc. (NOW)While not as well-known as CRM, ServiceNow has been deemed a must-watch name in the workplace software space. Its cloud-based solutions get rid of paperwork by enabling its customers to digitize manual business processes that have typically needed to be performed on paper. With shares already up 48% year-to-date, it's easy to see why analysts are excited about this cloud stock.Throughout the company's history, it has been able to garner a positive reputation among customers based on its easy-to-use design. It doesn't hurt that the software can be integrated with its customers' existing software such as Amazon Web Services (AMZN), Microsoft Azure (MSFT), Google Cloud (GOOGL) as well as several others. According to NOW's July 24 Q2 earnings release, customers are happy. The company boasts an almost 99% renewal rate, with it consistently marketing and cross-selling its other products to existing customers.Not to mention NOW was able to finalize 39 transactions each with more than $1 million in net new annual contract value (ACV) during the quarter. This brings its total customer base with an AVC over $1 million to 776, up 33% year-over-year. While the company has taken some heat over its lofty valuation, Stifel Nicolaus analyst Tom Roderick believes NOW looks poised to grow into its valuation. As a result, he upgraded the rating from a Hold to a Buy and bumped up the price target from $290 to $320 on August 21. The five-star analyst's new price target demonstrates his confidence in NOW's potential to gain 21% over the next twelve months. All in all, the rest of the Street is bullish on NOW. It boasts a 'Strong Buy' analyst consensus and a $317 average price target, suggesting 20% upside potential. Q2 Holdings Inc. (QTWO)Q2 Holdings wants to change the way financial institutions operate by providing cloud-based digital banking solutions. The company is aiming to meet the needs of smaller banks that are seeing a drop in customer engagement at their physical locations. QTWO allows customers to build custom websites or mobile apps through its three platforms, a digital banking platform, lending and leasing and a banking-as-a-service. QTWO's strategy appears to be working as evidenced by the results from its most recent quarter. On August 7, the company reported that its customer base gained 19% from the year-ago second quarter to reach 13.6 million users across all platforms. As a result, quarterly revenue totaled $77.6 million, up 33% year-over-year."We closed out the first half of the year on a strong note. Given our sales execution, we plan to continue investing in integration, innovation and delivering successful client outcomes," said CEO Matt Flake.Adding to the good news, QTWO announced on August 29 that it is partnering with Athena Home Loans to provide digital mortgages. Based on QTWO's strong second quarter performance, KeyBanc analyst Arvind Ramnani reiterated his Buy rating while raising the price target from $98 to $102 on August 28. The four-star analyst believes that shares could soar 17% in the next twelve months.Wall Street appears to echo the analyst's sentiment. The stock is a 'Strong Buy' among analysts, with it receiving 6 Buy ratings vs 2 Holds in the last three months. Its $94 average price target implies 7% upside potential. Find analysts' favorite stocks with the Top Analysts' Stocks tool


Skype's auto background blur aims at helping you erase the clutter in your office or home.
Microsoft is adding automatic background blur to Skype video calls this week. The new feature lets you blur out your background in a call, helping erase the clutter in your office or home.
If you've ever worked from home or in a busy cafe, this feature is ideal if you want to magically remove distractions. It could even help out in embarrassing situations, like when kids interrupt a live Skype call on TV.
Microsoft first introduced the background blur feature into its Microsoft Teams software last year, and it's now available in the latest desktop versions of Skype today. There's no word on whether mobile versions of Skype will also get background blur. Either way, it can be enabled on a PC or laptop from the video call menu in Skype.
Microsoft says it's using artificial intelligence to blur everything around you and keep you as the main focal point. Skype's background blur should detect hands, arms, and hair to ensure it doesn't blur out incorrect parts of your video call.


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Posted on May 15, 2015 by cinemarajah
A couple of weeks ago, I reviewed 'Ex Machina', an exceedingly intelligent motion picture about artificial intelligence which examined female identity, and the construction of female identity in a male-dominant society. I raved and called it one of the best films of the year. Christian Petzold's 'Phoenix' occupies an entirely different genre. But, there are overlapping themes, and this is also one of the best films of 2015.
'Phoenix' stars Petzold's longtime collaborator Nina Hoss (they worked together on the superb war drama 'Barbara', 'Yella', and 'Jerichow'). Nelly Lenz (Nina Hoss) escapes from a concentration camp but suffers a facial injury caused by a bullet wound. She undergoes significant plastic surgery in an effort to rebuild her face resulting in a version of herself that doesn't match the one that existed prior to the war. Presumed dead by her friends and relatives, Nelly returns to post-war Berlin to search for her husband, Johnny (Ronald Zehrfeld). But as she scours the shattered city to find him, she is presented with some convincing evidence which suggests that it was Johnny himself who betrayed her to the Nazis: he was released two days after his arrest, which was the same day Nelly was arrested.
On paper, some of this may sound preposterous and I apologize if my plot description above doesn't do the film justice. There will be some viewers who question the credibility of the events that transpire in the picture. And if so, they have missed the point entirely. This is a film about denial. Johnny (who has rebranded himself Johannes), a former pianist now working as a busboy in a nightclub called Phoenix, doesn't recognize Nelly when he sees her and assumes that she just bears a passing resemblance to his wife; he refuses to accept she could be his wife, instead choosing to believe that his wife is dead. Johannes ropes Nelly into a scheme to pretend to be who she actually is in order to inherit an unclaimed fortune (from Nelly having lost her entire family to the camps). He trains her to be his late wife: dressing her in the clothes she used to wear, working on her walk, her movements, her mannerisms, her handwriting, everything. She acquiesces, fearful of divulging the truth, and trusting this gives her a glimpse into the life she once occupied. But, she too is in denial, refusing to believe that her husband gave her up for his freedom.
'Phoenix' is Petzold's masterpiece, mining the premise for its psychological and emotional potential. This expertly plotted picture is a scintillating examination of how people deal with affliction. Or refuse to deal with affliction. Most movies plug characters in to further advance the plot. Petzold uses the narrative to make piercing statements about the mystification of humanity. Hoss was the strong center of 'Barbara', and she does a complete reversal here projecting that aura of fear – the fear of losing her face, her identity, her husband, and her life. The memory of her husband kept her alive in Auschwitz, but she now believes he might be the reason she was sent there in the first place. How does she move on from here? This may be Nelly's story but it is representative of the postwar alienation faced by any survivor and the realization that the only way to make sense of the past is to face it sincerely.
Johnny and Nelly's relationship is so absorbing because of their shared denial – his refusal to accept the woman in front of him is the wife he betrayed and her refusal to accept that what is in front of her is counterfeit currency or a representation of a past that she is never going to be able to go back to.
'Phoenix' called to mind Alfred Hitchock's 'Vertigo'; Johnny and Nelly aren't all that different from Scottie and Judy – recall the painstaking lengths Scottie went through to shape the woman he encounters into the woman of his desires. The picture has the look and feel of a classic noir and while the influences of these master filmmakers are evident, Petzold is after something else – choosing to confront the unspeakable acts of history.
Hess is in every single scene of 'Phoenix' and she is spellbinding. It's as good a performance as I've seen all year. Observe the way her character deliberately unravels as Johnny transfigures her; early in the film, she is hunched and often seen in the dark settings, but as the dread of her plight becomes clear, she becomes increasingly self-reliant rising to the heights suggested by the film's title. The methodically orchestrated climax, which I will not reveal to you, has the power to break the hearts of even the most hardened of viewers. 'Phoenix' is what we talk about when talk about greatness in cinema. Seek out this breathtaking movie at TIFF Bell Lightbox. For some inexplicable reason, 'Phoenix' doesn't have a US release date. QED.


"You were always trying to act funny. Sometimes you were."
HAHAHAHA. THAT KID is funny.
What a WONDERFUL gift. :) I'm glad you're feeling better.
Sorry I missed the pity party yesterday. Guess my invitation got lost in the mail.
Glad to hear all's right with the world again. And those notes from the kids you taught are above pearls. What a terrific pick-me-up The math teacher deserves a medal.
Kristan - That kid was never really funny in class. Wish he had been, because every time I read that notes I laugh to tears.
Tessa- Welcome! I will be sure to send you an invite to the next pity party - there's still a lot of holiday stress lurking in finals week. And yes, the Math teacher is getting a large bag of holiday treats from me in HIS mailbox.
Glad things look a little sunnier. Sometimes you just got to get down and just wallow in it - as long as you take a shower after.
"Putrid at first glance?" Really? I'll aim to use that phrase in the coming week. Impressive.
And if I were you, I would leave that on my nightstand so in the morning I could start my day with one of those Thank Yous - great for the mojo!
I'm glad you're feeling better! What great kids you had! Migraines aren't fun at all.
Movie - Once a migraine is gone, it's almost weird to have my head back again. Gift making going on in the oven right now.
Sunny and Blonde Duck - thank-you very much. The students are great (even when they're not).
What a fantastic idea from the math teacher! I almost wish I was still teaching so I could steal it.
I loved the notes! I have kept every student note (even the death threats:) There are a few that could pull me out of the deepest funk just reading them again.
B- I think I might steal it too nextyear for the 9th grade teachers. They have it the toughest. Death threats huh? I had one when I first started working (CSAP at Waianae), but I never saved it.
That was sweet of your fellow teacher to think of the notes. Priceless.
Glad you're feeling better. Isn't it lovely when some one lets you know how appreciated you are.
I love that! And, I am so very glad you are out of your funk. I know how it feels, sister.
Great to know you're feeling better.
Those notes were great. When my first novel was published, the acknowledgement page carried a special message to several of my teachers.
My wife doesn't let me do 3-hour shopping trips because I go completely mad.
Glad he didn't really leave and hope he didn't go mad!
What a good group of kids you have! Hopefully this made your day a little brighter!
Thanks everyone, I'm glad I'm feeling better too. I got SO much done yestersay, but left a lot for today. I woke up in a panic attack, because I thought the migraine was coming back.
But my yummy gifts for my colleagues are bagged up.
First of all thank you for the kind words and second of all, those notes are so wonderful. How precious those must be to you.
Hope you got a lot accomplished this weekend and are still pain free from migraines!
There's nothing like a thank you note is there? It just makes the world right again.
and the movie maker thing...serious fun once youge the hang of it...i really enjoyed playing with mine...and should do a cd up of the little one in our family for her parents/grandparents/greatgrandparents...thanks for the idea!
This is simply awesome! What a wonderful idea from the math teacher, and what wonderful and funny comments from your previous students. I happen to think English teachers are the best!
I like the back-handed ones too. They crack me up each and every time. The math teacher made a lot of teachers holidays this year.
WV is such a weird thing. crassom as in i love my crass room.
Yeah, I was wondering about the hubby, too!
The notes are the BEST! Thanks for sharing them with us. It's something special when a student takes time to tell a teacher what an impact they made. Good Job!!!!!
Those notes are wonderful!! lol What a cute idea.