– Most cars are meant to have several occupants, frequently with 4 or 5 seats. Automobiles with 5 seats generally seat two passengers while in the front and three inside the rear. Entire-size automobiles and enormous Activity utility cars can typically have six, 7, or more occupants based on the arrangement of the seats. Then again, sports autos are most often created with only two seats. The differing requires for passenger capacity and their luggage or cargo Area has resulted in The provision of a big selection of overall body models to satisfy individual customer needs that come with, amongst Some others, the sedan/saloon, hatchback, station wagon/estate, and minivan.
In accordance with research carried out by Julian Allwood with the University of Cambridge, world Electricity use might be intensely lessened by using lighter autos, and a median bodyweight of 500 kg (one,one hundred lb) has actually been reported to be perfectly achievable. In certain competitions such as the Shell Eco Marathon, regular motor vehicle weights of 45 kg (99 lb) have also been obtained. These cars and trucks are only single-seaters (even now falling inside the definition of an automobile, although 4-seater automobiles are more prevalent), Nonetheless they nevertheless display the amount by which vehicle weights could nevertheless be minimized, and the next lower gasoline use (i.e. as many as a fuel use of 2560 km/l).
The automotive field models, develops, manufactures, marketplaces, and sells the world's motor autos. In 2008, in excess of 70 million motor automobiles, together with cars and professional automobiles ended up manufactured all over the world.
, In 2007, a total of seventy one.nine million new automobiles ended up marketed all over the world: 22.9 million in Europe, 21.four million while in the Asia-Pacific Location, 19.4 million inside the United states and Canada, four.four million in Latin The usa, two.four million in the center East and one.4 million in Africa. The marketplaces in North The united states and Japan had been stagnant, while Individuals in South The united states along with other aspects of Asia grew strongly. Of the main markets, China, Russia, Brazil and India observed quite possibly the most speedy progress.
. About 250 million automobiles are in use in The usa. All over the world, there have been about 806 million autos and light vans to the road in 2007; they burn up more than 260 billion US gallons (980,000,000 m3) of gasoline and diesel fuel annually. The numbers are growing speedily, particularly in China and India. While in the feeling of some, urban transport systems dependent around the automobile have proved unsustainable, consuming too much energy, impacting the wellness of populations, and providing a declining standard of provider Regardless of expanding investments. Lots of of those destructive impacts tumble disproportionately on Those people social groups who are also least prone to possess and drive vehicles. The sustainable transportation movement focuses on methods to those complications.
In 2008, with promptly growing oil costs, industries such as the automotive marketplace, are experiencing a combination of pricing pressures from raw product fees and modifications in customer obtaining behavior. The field is likewise facing rising external Levels of competition from the general public transport sector, as shoppers re-Assess their private vehicle use. Around fifty percent in the US's fifty-a single mild auto crops are projected to completely shut in the approaching years, Together with the lack of Yet another 200,000 Careers while in the sector, on top of the 560,000 Positions missing this ten years. Combined with sturdy progress in China, in 2009, this resulted in China getting the largest auto producer and marketplace on the globe. China 2009 revenue experienced elevated to 13.6 million, an important increase from one million of domestic auto profits in 2000. Since then nevertheless, even in China and also other BRIC countries, the automotive output is again slipping.
. Vehicles are generally equipped with many sorts of lights. These contain headlights, which might be made use of to light up how in advance and make the car visible to other users, so the auto can be used during the night; in certain jurisdictions, daytime managing lights; pink brake lights to indicate in the event the brakes are applied; amber flip signal lights to point the convert intentions of the motive force; white-coloured reverse lights to illuminate the area behind the vehicle (and point out that the driver are going to be or is reversing); and on some cars, additional lights (e.g., side marker lights) to boost the visibility of the vehicle. Inside lights over the ceiling of the vehicle are generally equipped for the driver and travellers. Some automobiles even have a trunk gentle and, more rarely, an motor compartment light.


text:
Pierfranco Vianelli (nascido em 20 de outubro de 1946) é um ex-ciclista italiano que participava em competições de ciclismo de estrada. Foi o vencedor do Giro d'Italia em 1971.

Como um ciclista amador, ele participou nos Jogos Olímpicos de 1968 na Cidade do México, onde foi o vencedor e recebeu a medalha de ouro competindo na prova de estrada individual, com Leif Mortensen e Gösta Pettersson. Nos 100 km contrarrelógio por equipes, conquistou uma medalha de bronze, juntamente com Giovanni Bramucci, Vittorio Marcelli e Mauro Simonetti.

Profissionalizando-se em 1969, ele competiu até o ano de 1973.

Naturais de Provaglio d'Iseo
Ciclistas olímpicos da Itália
Ciclistas nos Jogos Olímpicos de Verão de 1984
Medalhistas nos Jogos Olímpicos de Verão de 1984
Campeões olímpicos da Itália
Medalhistas olímpicos do ciclismo
Agraciados com o Colar de Ouro ao Mérito Desportivo

redpajama_set_name: RedPajamaWikipedia


"We have to find a way to make American history more exciting," Ron Chernow tells me from his home in Brooklyn.
At the very least, Chernow has not found it difficult. He has devoted a career to transforming hefty subjects such as the rise of Wall Street, big business in America, and, more recently, the American founding, into best-sellers that also enjoy enthusiastic approval from critics. In each case, Chernow has employed the writerly device of viewing his theme from the perspective of a pivotal figure or family: for finance, the Morgans, and later the Warburgs; for big business, John D. Rockefeller Sr.; and for the founding, Alexander Hamilton and George Washington.
One of America's most influential biographers had spent more than a decade working in New York as a journalist and public policy wonk when he conceived of the idea of writing about the rise of American finance—but he found taking the subject head-on as some sort of "history of Wall Street" to be "tedious." Published in 1990, The House of Morgan earned a National Book Award—no small accomplishment for any history or finance writer, but compounded in Chernow's case not only because it was his first attempt, but also because he had no formal training in either history or finance.
Skillful storytelling, combined with a taste for great themes and for detailed psychological portraiture, have characterized all of his books since. Lin-Manuel Miranda, the artist who famously turned Chernow's Alexander Hamilton into one of the most successful musicals in American history, said in 2015 that his collaborator "out-Dickens Dickens" in his portrayal of the future Treasury secretary's scrappy Caribbean upbringing. Earlier that same year, on the evening of Hamilton's Broadway opening, Miranda entertained the audience waiting in line outside the Richard Rodgers Theatre by reading aloud the opening paragraphs from a worn paperback copy of Chernow's book. There were moments when he seemed to be on the verge of tears.
Despite the fact that Hamilton was "something of a human word machine," to use Chernow's formulation, devising such a compelling portrait was not an easy task. Like most of Chernow's subjects, Hamilton had never been particularly forthcoming about his inner life, and only rarely talked about his youth in the Caribbean. Something about "famously secretive and reserved people" seems to attract Chernow. "I'm always envious of biographer friends whose subjects are writers and intellectuals, who keep intimate diaries and who pour out their thoughts and feelings in letters," he complains, half in jest.
Such is obviously not the case for men like Rockefeller or Washington, or for Chernow's current quarry, Ulysses S. Grant, despite the fact that Grant is the author of one of the most praised autobiographies of any American president. Chernow points out that Grant's book passes over in near silence the destitution that threatened him before the war. "What my job entails, as a biographer, is to penetrate the silences," he says, referring to those issues his subjects preferred not to confront during their own lives, and also to the disorganized matter of their early lives, when they were still becoming the historical figures they did not yet know they would be.
Such an emphasis on the formation of character can provide readers with insight into their own souls—and Chernow's emphasis on great themes, not to say great men, can give them insight into their nation's politics. "We as a country, whenever we face . . . very fundamental choices, those choices have to be informed by an understanding of history and the humanities," he notes. There is room for academic historians to focus on social "bottom-up" history writing, but the very popularity of Chernow's work demonstrates public hunger for books that provide civic insight and—though he wouldn't himself necessarily put it this way—a kind of moral instruction that recalls Plutarch.
Aaron MacLean is the managing editor of the Washington Free Beacon.
Political philosopher Harvey Mansfield and NEH Chairman Bruce Cole discuss the power of princes and the origins of modern government.
West Virginians battled over their school books in 1974.


wants of us? Indeed we cannot think of a moment in our life when God wants nothing of us, nor of a moment in which He does not want something different than He wanted previously or may desire later, because each particular opportunity is unique and will never return. For that reason no one can ever retrieve what he has once let slip; each moment brings a new duty which wholly claims us. Life is like the endless chain in a modem factory; it passes by us and requires something particular every passing moment. It is not the nature of life itself but it is God who requires of us that we do this and not that to life as it passes by.
One can also say, on the other hand, that it is not many things which God requires, -- but only a few; he gives us only a few commandments in which he says everything. He wants us to be conscientious in our words (9th Commandment). He wants us to deal justly with the affairs of other men, and respect the life of all (6th Commandment). He wants a right attitude toward those who are the only support of social order (5th Commandment) . We are to respect not only the person but also the property of others (8th Commandment) etc. These fixed principles are the contents of the Ten Commandments. Everything that we should or should not do according to the will of God is contained therein.
It is also correct to say that we are simply to do one thing. He who keeps the first Commandment keeps all the rest. For the first Commandment means; thou shalt have God for thy God: which means that we should never forget, whatever we do, that we are not our own but God's property and must act accordingly. "Thou shalt love the Lord thy God with all thy heart." For only when you love God with all your heart do you really remember that you are His property, only then is it true for you that He is your God. All evil comes from our desire to be our own master, from loving ourselves more than God. Or, rather, it is not loving more, but loving falsely. To love oneself well one must love God, for it is only through love to God that we can achieve our true destiny.
God wants only that we should be that for which He created us. He created us "in his own image." That is a simile. A man looks in the mirror and beholds his image, or some one shouts and the cliff echoes his cry. We have been created by God that we should reply to Him in the Word of Love with which He has called us into life. "Let us love him for he first loved us." That is the Commandment. All others are contained therein. But there is even more than the Commandment of God here. The Commandment of God is what God wants of us. But if we understand the words concerning the image of God, we also know what God wants for us. That God first loved us, before He demanded anything of us, and that He demands nothing more than that we should accept His love, that is, react to love with love, is simply what we call faith. Faith is the acceptance of God's grace, God's incomprehensible, undeserved Love; and whosoever does that fulfils the will of God.
Evil essentially is only the supposition that we can get along without God. This idea, "for my life God is superfluous: I am my own master," is the poisoning of the spring of human life; from this source all life is poisoned. The sin of Adam and Eve "ye shall be as Gods" does not mean to have the idea that one is God, but to endeavor to be independent of God. Free from God, away from God is to be God-less, evil. Against this all the Commandments are directed.
Haven't the Commandments more to do with men than with God? Are there two kinds of Commandments -- those which tell us our duty to God and those which inform us of our obligations to man? Loving God and loving man? What does it really mean to love God? It means, as we have previously said, to know that all we have is from God; to know that God's good- ness alone holds and supports us, and therefore to perceive that we belong absolutely to God. To know this banishes not only godlessness but also selfishness; and one is bound through God to his neighbor.
God gives us our life by giving us other men at the same time; He has so formed us that we cannot live alone. If things are right between ourselves and God, they are also right between ourselves and men. We look upon them as those to whom our life belongs. The man who knows himself to be God's property belongs thenceforth to his brethren. There is only one Commandment, it reduces at last to this: Love God and thy neighbor as thyself.
And now -- on what terms are we with these Commandments? They are given us to do them. For what other purpose should they be given? Every man who has to do with God, knows that he should keep the Commandments at the cost of his life, if need be. But what man fulfils them? Do you really love God with all your heart and your neighbor as yourself? Because the first love is not true, neither is the other -- and you lie, steal, commit adultery. Perhaps you do not break the Commandments in the gross sense of the word, but in the more refined and secret sense you do break them and you think that is not so bad? The more refined sins, under certain circumstances are much worse than the gross varieties. So then, we do not keep God's command. The spring of life is really poisoned, things are bad with us. This is the testimony of conscience and even more sharply and clearly, the testimony of Holy Scripture. Behind God's command stands the fearful word -- Judgment! Lost! It is written more sharply in the New Testament than in the Old Testament. What then are we to do?


Lender's Mortgage Insurance (also known as LMI), is associated with a loan that the lender consider to carry high risk.
When a loan is worth more than 80 percent of a property's purchase price, a lender may need an insurance to hedge the higher risk. The one-off insurance payment will protect the lender in the event when the borrower can't afford to keep up their home loan repayments.
In most of the LMI policies, a lender can make a claim if the borrower defaults on the loan. And the sale of the property doesn't equal the value of the mortgage.
Remeber, the purpose of LMI is to protect the lender. Also, it allows the borrower to lend larger amounts. Ultimately opportunity for the lender to approve more home loan applications.
In borrower's diary, adding LMI with a mortgage or home loan means additional expense.
The size of the loan amount – the bigger the loan amount, the more risk. Hence, the higher the cost of insuring against it.
Your Deposit – Just opposite of the loan amount. The smaller the deposit you have, the higher the cost of LMI will be. The standard home loan products in the market will allow you to lend 80% of the property value. Which means you need to have 20% as deposit. In terms of low-doc, the deposit varies from lender to lender.
Your Employment Status – The lender may perceive you as more risk in casual position compares to any permanent policy. So, it could also affect the LMI premiums.
The LMI provider – The premiums can differ between the LMI providers. You could find several players in the market. Do a quick research before you sign in.
Now the question is it possible to avoid LMI. Certainly, possible!
Aim to save for a higher deposit: A simple solution to tackle LMI is to have a higher deposit.
For example, if you apply for a loan amount which is greater than 80 percent of the value of the property being mortgaged (LVR), then the risk of a lender not recouping their costs should the borrower default increase. LMI is a protection for the lenders in case the borrower fails to make repayments.
So the catch is to scale down the LVR. If you have a higher deposit, then the loan amount will be smaller, LVR will be less and may be the key to avoiding LMI.
Look for a guarantor: Certainly for many, even having the substantial deposit or at least 20 per cent deposit may be difficult especially when the prices of property climbing and climbing. So if you still want to avoid LMI, then a good solution is getting a guarantor on your loan.
A guarantor can help you to get a loan by offering additional security support. Usually, your immediate family members like a parent or spouse can be the guarantor. A guarantor can use the equity in their property to help you secure yours. This strategy is actually popular among the first home buyers.
But it is strongly recommended to seek independent legal and financial advice who ever is considering being a guarantor for a property loan.
Taking Advantage of Professional Benefits: It may vary from lender to lender but there is still some scope of taking advantage of your profession to avoid LMI. Some lenders consider professionals earning a minimum of $150,000 a year as 'low risk' borrowers due to perceived stability and high income and offer them special loan benefits. Majorly doctors are the bigger winners when it comes to waived LMI fees.
Do a research and compare: The cost of LMI varies between the providers. So, it would be smart if you do some research and compare beforehand. Get a quote for different financial institution before you begin the home loan process. It can potentially save you hundreds of dollars.
These tips are general in nature and are applicable in general circumstance without taking any special event in consideration.
It's always advisable to take help from professionals to find the suitable solution that best suits your unique needs or objectives.
If you want personalised consultations of your unique need, simply Contact Us or write back to us at info@finmortg.com.au.


text:
Q: Retrieving the passed ID I wonder if you guys could help me. I have a table called modules and within it it has moduleID, moduleTitle, moduleCode etc.
A checkbox is populated next to each module that is displayed and the value of the checkbox is the moduleID. When a user checks the modules and click submit they get passed onto another page. On this other page I have managed to retrieve the moduleID's which have been checked but I am having trouble in turning these moduleID so that I can display the moduleTitle, moduleCode etc for the ones that have been checked on this new page.
I have used the following code but no luck  :confused:
  <?php

$cats_upload = "";
    foreach($_POST['module'] as $cats) // errors if no modules are selected
    {
      echo '
Module data moduleID: '.$cats.'
';

    }
        $sql = mysql_query("SELECT * FROM modules WHERE moduleID ='".$cats."'");

$productCount = mysql_num_rows($sql); //count the output amount

if($productCount > 0){
    while($row = mysql_fetch_array($sql)){

    $moduleTitle = $row["moduleTitle"];

        $cats_upload .= "
$moduleTitle
";

    }
} else {
    $cats_upload = "
No modules have been selected
";
}

?>

If anyone has any suggestions to what it might be, please let me know.
Thanks

A: $cats_upload = "";

if (!empty($_POST['module'])) {

    foreach ($_POST['module'] as $moduleID) {
      $modules[] = $moduleID;
    }

    $module_list = implode(',', $modules);

    $sql = "SELECT moduleTitle FROM modules WHERE moduleID IN (" . $module_list . ")";
    $result = mysql_query($sql) or die("Error in $sql: " . mysql_error());

    while ($row = mysql_fetch_array($result)) {
        $cats_upload .= "
" . $row['moduleTitle'] . "
";
    }

} else {
    $cats_upload .= "
No modules have been selected
";
}

A: $cats = array();
foreach($_POST['module'] as $cat) // errors if no modules are selected
{
  echo '
Module data moduleID: '.$cat.'
';
  $cats[] = intval($cat); // Assumption: ids are numeric
}
$sql = mysql_query("SELECT * FROM modules WHERE moduleID IN (".implode(',', $cats).")");

That should give you an SQL result with all matching modules.

redpajama_set_name: RedPajamaStackExchange


The Common Waters Fund was established to engage forest landowners in the conservation and management of their forested land for water quality benefits, by providing them with incentives for improving or modifying management of their lands to benefit water quality. It also has provided financing to land trusts in the upper basin to enable the donation or purchase of conservation easements on forested properties. You can see the results of the initial round of funding on our Projects page.
The program aims to focus its efforts on the most important parcels for source water protection in the upper basin. These locations have been determined by reviewing and compiling available data and water quality assessments for the Upper Delaware Region. Projects such as riparian plantings, prevention of erosion, invasive species removal, deer fencing, and other management practices that will improve the health and economic viability of family forests are encouraged. The practices on which the fund focuses have been selected because of their potential to provide water quality benefits and keep forests as forests.
The Common Waters Fund plans to continue and expand not only the landowner conservation incentive program, but other elements as well, all of which work together to improve the stewardship of our water. The priority funding areas map itself is a good start, by providing useful information to regional planning agencies and the Delaware River Basin Commission. Outreach to and education of not only municipalities, but individuals, organizations and businesses about the relationship between land stewardship and water quality, the importance of smart growth, clustered development, and other issues relevant to water quality, are an important part of the overall effort to guarantee a clean water future in the Delaware River Basin.
Going forward, the Common Waters Fund aims to engage downstream stakeholders in the quality of Delaware River water to create an ongoing stream of the funding needed to maintain that quality.


James Louis Pattillo, 68, of Columbia, passed away Tuesday, April 2, 2019, at his home.
Visitation is from 1:00 p.m. to 2:00 p.m. Saturday, April 13, 2019, at Nilson Funeral Home. Memorial Service with Military Honors will follow at 2:00 p.m. Saturday, April 13, 2019, at Nilson Funeral Home, with Reverend Heather Morgan officiating.
He was born July 29, 1950, in Kennett, the son of the late Billy Louis Pattillo and Mildred Christine Chatman. On Sept. 22, 1972, James was united in marriage to Shelia Jerrolds, who survives at their home.
James worked as an over-the-road trucker for much of his career, however his family considered him to be a jack of all trades. James enjoyed Nascar Racing and was an avid fisherman. Most of all, he loved to spend time with his family, especially his grandchildren.
Along with his wife Shelia, James is survived by his 3 children, sons: James Pattillo (Becca) and Jason Pattillo; a daughter: Rebecca Pattillo; 5 grandchildren: Alexander Pattillo, Damian Patterson, Mercedes Pattillo, Zoe Honovi and Taylor Pattillo; 2 step-grandchildren: Ellie Clapp and Brigid Hollands; 2 great-grandchildren: Gabriela and Isla Pattillo, all reside in Columbia; a brother: David Pattillo of Las Vegas, NV.
He was preceded in death by his parents, Billy and Christine; 2 sisters: Mary Roberts and Diane Pattillo.
Memorial contributions may be made to the Disabled American Veterans charity.


In the 2006 film The Ultimate Gift, spoiled young Jason Stevens expects a large inheritance from his eccentric grandfather. But when the man passes away, his will stipulates that Jason will get the money only after he accomplishes 12 unusual, demanding tasks. Each is designed to change the way the young man views wealth, human relationships, and the meaning of life.
You're not likely to demand that kind of quest from your heirs. These days, though, it's not unusual to include provisions in a will or estate plan that go beyond financial wealth and relate to personal or social values. It may be possible to encourage your children or grandchildren to continue a family tradition of philanthropy, for example, or to understand the important role your ethnic heritage has played in your life.
But it's tough to pass along your values if your heirs don't know who you really are. Whereas we once routinely gained wisdom and perspective from our elders, that opportunity often gets lost in the shuffle of fast-paced contemporary life. Yet young people still long to comprehend what their families stand for and to feel a sense of belonging and purpose.
Family storytelling is the most natural and direct means of imparting essential elements of your identity. Around the family table, young people can share in the evolution of your attitudes, traditions, and values. When were you happiest? How did you first experience kindness, self-sacrifice, ambition, and generosity? What were the things that mattered to you as a young person, and how have your views changed? What were the turning points in your life, and what do you wish you'd done differently? Though you may worry young people will be bored by your stories, chances are they'll be engaged, especially when the conversation involves them, too. Listening carefully as they relate their own experiences can help you gauge their values and ambitions.
Establish a charitable remainder or lead trust that links philanthropic and financial interests. This can become a donor advised fund upon your death.
Discussions with your family can form the foundation of a values-based blueprint. We can help you start these conversations and work with you and your attorneys to create an estate plan that incorporates your goals.


Tips: You're reading My Director Vol. 1 Ch. 28, please read My Director Vol. 1 Ch. 28 english scan online from right to left. You can use left and right keyboard keys or click on the My Director Vol. 1 Ch. 28 image to browse between My Director Vol. 1 Ch. 28pages.


Acts 9:1 Meanwhile, Saul was still breathing out murderous threats against the Lord's disciples. He went to the high priest 2 and asked him for letters to the synagogues in Damascus, so that if he found any there who belonged to the Way, whether men or women, he might take them as prisoners to Jerusalem. 3 As he neared Damascus on his journey, suddenly a light from heaven flashed around him. 4 He fell to the ground and heard a voice say to him, "Saul, Saul, why do you persecute me? 5 "Who are you, Lord?" Saul asked. "I am Jesus, whom you are persecuting, "he replied, 6 "Now get up and go into the city, and you will be told what you must do." 7 The men traveling with Saul stood there speechless; they heard the sound but did not see anyone. 8 Saul got up from the ground, but when he opened his eyes he could see nothing. So they led him by the hand into Damascus. 9 For three days he was blind, and did not eat or drink anything. 10 In Damascus there was a disciple named Ananias. The Lord called to him in a vision, "Ananias!" "Yes, Lord," he answered. 11 The Lord told him, "Go to the house of Judas on Straight Street and ask for a man from Tarsus named Saul, for he is praying. 12 In a vision he has seen a man named Ananias come and place his hands on him to restore his sight,"
Acts 13:9 Then Saul, who was also called Paul, filled with the Holy Spirit, looked straight at Elymas and said, 10 "You are a child of the devil and enemy of everything that is right! You are full of all kinds of deceit and trickery. Will you never stop perverting the right ways of the Lord? Now the hand of the Lord is against you. You are going to be blind for a time, not even able to see the light of the sun," Immediately mist and darkness came over him, and he groped about seeking someone to lead him by the hand, 12 When the proconsul saw what happened, he believed, for he was amazed at the teaching about the Lord.
Now Paul who was once Saul knew how to deal with the likes of him, the child of the devil, because he was once just like him. He knew what it would take to break persecution. It takes humbling someone to the point where they become so dependent on others that they have to be led by hand to get around. It takes breaking and rebuilding.
God will use us for his purpose based on what experience we have been through in life. He will teach us how to deal with current situations based on the past.
Father God, We come to you in the name of Jesus Christ. We bind persecution in America and around the world. We bind the eyes of the devil's child. We bind the hands of the devil's child. We bind the mind of the devil's child. We do all of this in the name of Jesus Christ our Lord and Savior!


For a late night summer party, we wanted to deploy an array of maybe 20 or so little LED garden lights along the periphery of our back yard. And since it was for a one-time event, there wasn't much sense in buying (or building) a set of nice looking permanent solar lights. So here is an alternative: make your own ultra-low cost temporary garden lights using LEDs, lithium coin cells, and mason jars.
To start with, we need LEDs and CR2032 lithium coin cells. One each per jar. The best kind of LED for this design is an ultrabright LED with a diffused lens so that the light cast by the LED chip goes in *every direction,* not just in the direction that the LED points (which is what you get with LEDs that have clear lenses). Having easy access, we opted for the 10 mm diffused white LEDs from here, but you can get similar LEDs elsewhere as well.
Next, you'll need some jars.
Mason jars are available by the dozen in your local supermarket, in the canning/pickling section (which seems to actually still exist!), but are also available online of course. The "other" way is to start with a set of recycled jars, of course. If you eat a lot of pasta sauce from jars, you can build up a collection pretty quickly. And even if you don't eat food that comes in jars, you can usually find good jars at thrift stores– so you really don't need to spend a lot on this. But even if you're buying brand new jars, you should be able to get all of your parts for a grand total of about $1-$1.50 per light jar.
*Important safety tip: do not throw the completed LED jar lights.
Now the tricky step: Bend the LED 90 degrees from the battery cell using a half-twist, so that (1) it can bend that that way and (2) you don't touch the two leads of the LED to each other.
Finally, screw the jar onto the lid, and it's done.
With a little practice, you can make a few of these per minute.
And, after dark, they start to come alive.
We think that these could be potentially interesting for a number of different types of outdoor events– making quick cheap lighting when and where it's needed. They are relatively scaleable, in the sense that hundreds of them are much more affordable than regular solar garden lights. The difference is that like traditional luminarias, these jar lights are temporary. However unlike luminarias, LED jar lights are waterproof, won't blow out or catch on fire, and will stay safely lit– unattended– for several days up to a week. And, if you don't need them for a week at a time, you can always easily disassemble them and save the batteries for next time.
This entry was posted in EMSL Projects and tagged diy, LEDs. Bookmark the Permalink.
The big key would be SIMPLE. You'd want to reasonably compete with "With practice, you can assemble a few of these per minute."
A bit of copper foil double-face taped under the lid, which completes the circuit when the coin cell and LED are in the right position, and the cell/LED assembly loosely taped ("hinged" from one side?), so it hangs free from the lid, if turned upside down, perhaps.
Might take a bit of jiggling to make sure it comes on, but should stay on unless disturbed.
One way up the weight pulls the lead away from the battery, and the other it presses it against the battery. It would then switch on when it's lid-down, and off when it's lid-up. You'd probably get a little more light that way, too.
Though it would require a tiny bit of soldering, and 1 more part, really what you're talking about is adding a tilt switch.
A simple tilt switch could be improvised which disconnects the circuit when the jar is inverted. They could then be stored without dismantling.
Has anyone tried filling the jar with colored mineral oil? Whould this thing still work or would the oil kill it?
neat idea, and I've made my share of throwies, but I stopped making them when I realized the environmental issues. You can get the same effect (bit more money at about $5 per piece) just using the solar lights for driveways. But they last MUCH longer, and are reusable.
One could perhaps add some interest and color by loosely crumpling up some saran wrap of different colors in the jars. I know they make a rosy color and a teal sort of color. Should diffuse the light a little, but in an interesting sort of way.
Lame? I disagree – why not take your disinterest elsewhere?
Building these jars and using them once for a party we wasted *nothing*– none of the batteries are even halfway used up. The LEDs, batteries, and jars are all recovered and ready for something else someday.
How would you integrate a photo sensor into the setup so that the lights would come on only at dark? Thoughts? I am a novice at this stuff.
Ah– you need our Nightlight circuit!
I was just going to mention that!
THIS I could actually DO!
And I think I will….how darn cool is this idea?
Please can you tell me where to get the LEDs? (a link / Online is best, so I don't have to embarrass myself at an electronics store when the clerk asks me an 'obvious' question I can't even parse).
PS: My cat may enjoy batting one of these about as well.
Hmm – I wonder if there's a way you can incorporate the metal lid of the jar as one of the contacts in a simple switch – so you can give the lid a quarter turn to switch the light on or off. A patch of foil on the rim of the jar, maybe?
Of course, they would take more than 30 seconds to build this way, but would last a lot longer too. Anything to reduce the "disposability" of the battery (lithium batteries aren't really disposable, they're just cheap enough to throw away, which isn't the same thing).
Wouldn't it have been cheaper to buy tiny solar cells rather than buying expensive, disposable lithium batteries?
That's a rather nonsensical question. If you want to run the LED directly off of the solar cell, it can only be on when sunlight is hitting the solar cell!
We want our LEDs on at night, so that means that you also need (at a bare minimum) two nimh or nicd batteries plus a reverse blocking diode for the solar cell. And, those batteries *will* cost more than the one that we're using.
Our batteries cost $0.25 (or less), and I have never seen suitable solar cells anywhere near that cheap.
Man, if you are going to do a throwie-inspired project right now, you could at least give a shout out to GRL co-founder James Powderly who is somewhere detained in China.
Better yet, why not buy a cheap photocell for each one? That way you won't waste valuable energy during the day, etc. Or to combine several ideas, a solar battery and a photocell for each LED. :) It might cost a bit more (maybe? I'm too lazy to look up the parts on digikey), but it'd be a far more effective and sustainable solution.
I think everyone's missing the point. Make a quick, simple, cheap lantern thing. The ideas about timers and switches and solar cells are all great…for another project. Instead of making a comment and walking away, write your own blog post with instructions on how to make your wonderful inventions. Then link it here.
Hey, this will be perfect for me when I get home to New Mexico. We moved from Albuquerque to a house outside town where fire danger (mountain woods = kindling) makes the traditional Christmas luminaria candle+sand+paper bag a BIG nono. If the fire doesn't kill you, the neighborhood association lynch mob will.
I may whip up a dozen of these to lay out on our walkway, but I'll put them in brown paper bags. Should make nice warm Christmas light. Thanks!
May I suggest an ecologically better solution?
insert these two wires into a lemon, connect the LED's longer lead to the copper electrode.
And you're on. Feel free to experiment using two fruits, serially connected.
You seem to be missing the point pretty well– this article is how to make the simplest and quickest garden light, not the most complicated and slowest. Also, you seem to have some pretty serious misconceptions about what a lemon battery is capable of.
A single-lemon battery produces about 2 mA at 1 V. To produce 20 mA at 3 V to run our white LED, we'd need three lemons in series, ten times in parallel– 30 lemons total. And (punchline) *they wouldn't fit in the mason jar!* And, when lemons cost up to $1 each at the store, we're talking $30+ per lantern, not $1+ per lantern.
Also, it would not necessarily be more environmentally sound. Growing and shipping 30 lemons, and mining and shipping the metal for 60 strips of copper and zinc doesn't necessarily take less power/energy/carbon/water than making and shipping that tiny– and recyclable!– little coin cell. And finally what happens to the copper and zinc? They are partially dissolved by the lemon acid, leaving copper and zinc metal ions in our (now overflowing) compost heap that has 600 lemons in it, and that metal is– unlike the batteries– not recyclable.
So… how is this better?
Well, to be fair, the lemon approach *would* be more EVIL. Kind of like running your Christmas lights off of a graphite-moderated reactor.
At home I've got a bunch of jelly jars in the small size (4 fl oz,) with faceted sides, which might make for a daintier sort of presentation, like LED votives.
The solar lights use batteries as well. Need somewhere to store all that energy. The cheaper lights use batteries and lights that are environmentally suspect. This project allows you to re-use many of the components.
The only effect of the lower forward voltage is that the current in a red LED will be a bit higher, so the battery will not last quite as long.
That's a really good tip for my readers. Burnt fingers not so good.
I have been looking around to try to find cheap lithium coin cells but everywhere seems to be really expensive. Do you know what strength of battery is needed and where to find them? Preferrably not an expensive version because i will need over 50 of them.
Did you follow the digi-key link we gave above? They *are* cheap.
Does anyone know of any locations in Canada that have the LED lights. I cant find them anywhere.
Canada is pretty large–any particular city you're interested in? I know Toronto has a lot of electronic surplus stores (which are good place to look for LEDs if you have to go brick & mortar), but I haven't checked into any other locations.
What if you hot glued the battery and one lead to the inside of the lid, then taped the exposed lead to the other? This way you could pull the tape off to turn it off, and vice versa, thus expanding the battery life.
this is a great, cheap idea! one question: how long do the batteries last? if you're using them for an entire evening, do they last the whole time?
Yes, they'll last for a whole evening– they are better than candles in that sense. Exactly how long they will last depends on the LEDs, temperature, and other conditions, but 7-14 days is typical.
I'm making blackberry jam this weekend. Can I have the jars please, if you've finished with them?
Actually, I had just had a similar idea… I plan to hack apart some rechargeable LED outdoor lights and incorporate them into Ball jars. These lights flicker like a candle and will emulate a "firefly in a jar" feeling.
we bought the cheapest set of solar powered lights this weekend – $20 for a pack of four. Instead of putting them out in the hideous plastic housings that they came with, we glued the top assembly (Rain shield, solar cell, battery & LED) to a jar for simple, save & cheap patio lighting.
Actually, I was able to pick up LED Solar landscape lights at WalMart for $3.23 each. And to top it off, they're not really ugly. They don't put out a lot of light either. Basically a photocell, solar cell, rechargable AA battery and an LED. I'm trying to source a cheap source for 1.5v LEDs so I can have some multi-colored fun with the back yard.
The link that you give contradicts what you're try to argue. It says that the potato or lemon battery *can* run an LED.
I didn't say that lemons can't light up an LED, just that it would be very impractical to get this kind of brightness.
Please read through the link more carefully– it shows four lemons generating enough voltage and current to drive an LED at about 2 mA– one tenth of what we are using. In other words, that 40 lemons would be needed to run the LED with good brightness… and that was our whole point.
Place on Queen Street W in Toronto, above a clothing store. Look for the gorilla. Active Surplus, don't know if they do mail order but it's an amazing place to kill a couple hours.
Just an idea but what about using Glowsticks?
We are also interested in (and looking at) other types of GITD materials, but glowsticks are even more expensive than batteries, and don't as long….
can I use LR44 alkaline button cell batteries instead? I just got a bunch of these real cheap.
You might be able to use two of them (to get to 3 V) but they are thicker. The voltage is low enough that you should be able to drive blue or white LEDs safely. For red, yellow, or orange LEDs, though, it might blow out the LED– so use caution.
that's ok. I can color with syran wrap or theater gel-like material.
Check your local dollar store for cheap CR 2032s. I saw a strip of 6 for $1.
At Menard's I can buy led lights complete with solar recharger, battery, enclosure, mounting stem and spike for $2.50. They last for many days and alot less work.
They do make colored LED's.
Just found this, am hardly a lighting "sophisticate", but I am a complete design freak…this is fabulous. Thanks!!
Our non-profit, Gulf Coast Community Ministries, has an outreach program for homeless individuals. I am interested to know if anyone can provide me an idea of how to use a mason/mayo jar as a solar-powered led lantern. Ideally, this would be cheap, and we could get the mayo jars donated. It would be nice to have a switch, even one as simple as inverting the jar.
Please email me if you think you can give me a specific plan for this.
The problem with this is that the battery cells and leds would cost more that a set of lights.
I want to make mason jar lanterns for our wedding reception, to hang inside from the ceiling as well as on the tables, but the venue doesn't allow candles, so your LED lantern is PERFECT. I did however see an idea called a Firefly Lantern which was a jar right side up, filled with moss/grass and LED lights throughout.. Do you have any ideas on how to make this? I saw it on a website similar to ebay where the person was selling them so I couldn't really ask the logistics lol :) Any ideas would be very helpful! Thank you!!
The LEDs in this set-up are similar to LED throwies are stand-alone, so they can be placed wherever you would like them to be. If you wrap tape around the 'LED throwies' you can nest them in the moss/grass and it should be perfect!
These are great, but I am looking for some advise to take them to the next level. My fiance wants something like this for our wedding, but I would like to find a way of making the lights "twinkle" or randomly fade in and out, like a real fire fly. I am a real novice at this electrical stuff and I need to make about 100, so simple is better. Right now, I am buying those cheap LED flickering tea candles and ripping out the guts, but I am hoping there is a easier way… any thoughts?
Yes, our webstore now has "candle flicker" LEDs, available in normal (cool) white or warm white, each with a built-in flickering circuit. They can still be built into lanterns this way– just add a battery and some tape.
Can I touch the bulb during the bending step? I've read in other posts (for throwies) that you should only handle by the tape/battery section once the bulb is lit. Can't wait to use this idea for my wedding…you saved me from my "no open flames allowed" venue heartache!
You can hold it anywhere, any time, so long as you aren't made of metal. If you're a robot, wear rubber gloves.
If you want to color your lights with out the trouble of what voltage or temp the lights are … just buy a can of stained glass paint at any craft store. (hobby lobby-michael's are examples) and spray the inside of the jar a few days before you need them. Pop on the tops and instant colored lights. I have done this with tea light candles in mason jar lanterns for years, its beautiful, easy, quick and fairly cheap.
Best answer yet! but when the tequilla crowd finds the lemons….
Probably because it didn't exist when this article was written 3 years ago. And besides, that wouldn't be do-it-yourself.
For flickering, use "candle flicker" LEDs. For fading, not sure– depending on what you mean, there may be LEDs with a built-in function like that.
Make the Jars even brighter by diffusing the light on the inside: Spray the inside of the jars with Glass Frosting Spray paint – Krylon and Rust-O-Leum both make a version. The jars would then but unfit for food containment, but they are cheap and could be reused for more parties, storing other things, or just recycle the glass.
love this idea. what if I can't use glass at our venue? can this be done, say, in an empty plastic mayo jar? love the "warm white" flickering option LEDs on the website. would this hue match the white of the the old-style white christmas lights?
Yes, plastic jars will work fine. Warm white LEDs are closer to incandescent than pure white, but are not a perfect match.
Love love love this idea. Yes, I am a green tree-hugger type, but your facts around the economics and net low-impact to the environment are right-on. Unfortunately sometimes folks recoil unjustifiably when they see the word "battery." Props on that.
My only question (I have NO electronic savvy): Can I use virtually any of the different diffused white LEDs you offer with the same size battery? Is the only difference going to be how long they last before the battery is drained? Or do I need different batteries for different applications?
> Can I use virtually any of the different diffused white LEDs you offer with the same size battery?
>Is the only difference going to be how long they last before the battery is drained? Or do I need different batteries for different applications?
Any "low power" (i.e., not "high power") white LED will drain the battery in about equal time. Different LEDs give different light appearances for different applications.


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The 54th Man
Welcome to life on the Eagles' practice squad
by By Zach Berman, bermanz@phillynews.com
Only eight people watching the Eagles game on television actually know the game plan. Ronald Johnson is one of them.
Right now, he's sitting in front of his 52-inch television, reclining on a living-room chair in his South Philadelphia apartment for the Eagles-Dolphins game. He has a black Phillies cap on his head, a remote control in his hand, and chips and salsa on the kitchen table. His fiancee sits on a loveseat beside him, asking him questions about the action on the field. He usually has the answer.
At one point in the first quarter, Dolphins wide receiver Brandon Marshall beats Eagles cornerback Nnamdi Asomugha for a touchdown. Watching the play, Johnson shakes his head. He explains how the Eagles practiced defending the particular route that Marshall ran. Once the replay begins, Fox's color commentator says, "Nnamdi Asomugha knew that route . . . He knows the corner route is coming."
Johnson nods.
Later in the game, DeSean Jackson scores a touchdown for the Eagles. A moment earlier, when Jackson had begun his route, Johnson mumbled the pattern under his breath, exclaiming that quarterback Michael Vick should look in Jackson's direction.
Johnson doesn't shout at the television, rip the players or question the play calls. He understands what the coaches are trying to achieve and what the players are doing. As the Eagles line up on a third down, Johnson studies the formation. From his easy chair, his Yorkshire terrier at his feet, Johnson urges, "Gotta get to Avant right here." Sure enough, Vick looks in Jason Avant's direction.
Johnson, who played at Southern Cal, is not a coach, a scout or a spy. He's a member of the Eagles' practice squad, one of the group of players on each NFL roster separated from the game you see on television by the number of zeros on his paycheck and the amount of free time he has on weekends. The practice-squad players are an essential cog in the football machine from Monday to Friday - and helpless observers on Sundays. They're in practice and meetings, in the locker room and in the cafeteria. Yet on game day, they're reminded that they take up roster spots 54 to 61; that they're not among the 53 who are eligible to play. Eagles practice-squad players neither travel to road games nor stand on the sidelines during home games. They have much to do with the preparation for games, but nothing to do with the actual games, when they're relegated to sitting on their couch or in the stands, no different than fans who have little idea who any of them are.
"I'm with these guys in practice every day, getting them better and getting myself better as well," Johnson says, trying to measure his words. "But it's tough to watch them without me playing with them."
As Johnson speaks, he's distracted by highlights of another game on television. "Oh, good catch!" he mutters, watching Patriots tight end Rob Gronkowski score his 15th touchdown. "There he goes." He flips to another channel and sees a college teammate making a catch and motioning toward the home crowd. The contrast with his own situation couldn't be more stark. The only roar he hears on Sundays comes from the train that passes a deep-post pattern away from the balcony of his apartment.
Since coming out of Brigham Young in 2009, offensive lineman Dallas Reynolds has spent 1 week of his career on an active NFL roster. He's spent the rest of his time helping the starters prepare for a game in which he won't participate.
"You feel just like the other guys during the week," says Reynolds, now in his third season on the Eagles' practice squad.
Just like the players on the active roster, members of the practice squad arrive each morning at the NovaCare Complex, watch film and eat breakfast. During the week, the practice-squad players actually have more responsibility than the active-roster players, since they're often asked to fill in on both offensive and defensive scout teams. During the week, Ronald Johnson may work at wide receiver, running routes against Asomugha and at cornerback, trying to stay with DeSean Jackson.
"You have a hand in making the team better each week, giving the guy great looks," says defensive end Maurice Fountain, who joined the practice squad last month.
Another Johnson on the practice squad, D.J. Johnson, recently signed with the team after shuffling between the active roster and practice squad of six teams over three seasons. Johnson, a cornerback, says the life of a practice-squad player can vary dramatically depending on the organization.
"Some places . . . treat you like a regular player on the team as far as equipment goes, as far as practice goes," he says. "Some places, they treat you like you're different." Of the teams he's been with, the Buccaneers and the Vikings treated practice-squad players the best; he even traveled with the Bucs. The Redskins were the worst.
Johnson says some teams allow more contact during practice, which benefits practice-squad players by allowing them to show their skills. But even if pads are not worn, players can still benefit by learning the system and absorbing coaching for when their time comes. "Obviously, this game is physical, and you can't really be physical" without pads on, Fountain says. "In that aspect, you're not getting better. You're getting better mentally."
Because there are only eight players, it helps to be versatile. That's why quarterbacks are often a rarity. When the first week's practice squads were formed, only nine NFL teams had a quarterback among them. Depending on injuries in any given week, coaches might add bigger bodies (offensive and defensive linemen) for practice, while a shortage of skill players could prompt a coach to add a wide receiver or defensive back to the practice squad.
There's not much coaching for practice-squad players, especially when compared with starting players, but that doesn't mean coaches aren't paying attention.
"I know every week I'm focusing on something to get better at, whereas the first couple weeks I was frustrated just being on the practice squad," fullback Stanley Havili, another UISC product, says. "You got to . . . realize the coaches are still watching you." That's why many practice-squad players take a keen interest in how active-roster players operate. Tight end Brett Brackett often buzzes around Brent Celek with questions, while Ronald Johnson recently told DeSean Jackson that he's studying how he practices.
The practice-squad players attend positional meetings and even go through film work of the opponent, even if it's unlikely that the game plan will apply to them. Each practice-squad player knows - and holds hope - that he could be promoted at any time. Since the season started, the Eagles promoted three practice-squad players and two have been signed by other teams. "Do you really need to know being on practice squad? No," says Zane Taylor, an offensive lineman who has spent time this season on the Eagles' and Buccaneers' practice squads. "But guys get moved up during the week. You got to be ready when the time calls for it."
Maurice Fountain is 29 years old. He has a wife and two sons in Atlanta. The younger boy was born on Oct. 23, a month before Fountain was signed to the Eagles' practice squad. His wife and newborn remain at home while he spends the rest of the year in a studio at an extended-stay hotel.
"My family wants me to be home, but they also want me to work as well," he says. "They want me to be chasing my dream. They want to see me happy."
Fountain has chased that dream since he left Clemson in 2004. Over that time, he's played in two arena leagues, the United Football League, spent training camp with the Miami Dolphins and time on the Seattle Seahawks' practice squad.
When the Eagles presented an opportunity, Fountain was thrilled. If it's not playing in the NFL, it's one step closer to the league. Plus, the salary is more than passable. For each week on the practice squad, a player makes $5,700. If a player spends the entire season on the practice squad, he'll make $96,900. It's not going to allow players to stop working, but it's a better salary than any of them will find doing 4 months of work in any other occupation.
The salary is flexible, too. Cedric Thornton, a rookie defensive lineman who was on practice squad until he was promoted to the active roster this week, had the opportunity to leave Philadelphia. In early November, an NFL team wanted to sign Thornton to its active roster, which would have provided Thornton the prorated portion of the NFL minimum salary of $375,000 and - more importantly - a chance to play on Sundays.
After talking with the Eagles, Thornton declined the offer. He said he met with general manager Howie Roseman and was assured that the franchise values him. Thornton, who was signed by the Ealges as an undrafted free agent this year out of Southern Arkansas and spent training camp with the team, valued the mentorship he received from the veterans on the roster. "I just want to play here," Thornton says. "I want to be on the Eagles." The team bumped his salary to match what it would have been on his new team.
A similar situation happened with D.J. Johnson when he was on Denver's practice squad in 2009. The team increased his salary, which allowed Johnson to upgrade to a nicer apartment.
Where to live is one of the unexpected challenges a practice-squad player encounters.
"The big difference is your job is literally week-to-week," Taylor says. For players like Fountain and D.J. Johnson, who joined the Eagles late in the season, an extended-stay hotel is most sensible. Ronald Johnson and Reynolds have an apartment. Taylor, who befriended first-round pick Danny Watkins at the NFL Scouting Combine, lives at Watkins' home. Brackett, a Penn State product from Lawrence, N.J., has friends in the area and lives with them.
Taylor, 23, needs to support his wife and daughter. He's committed to pursuing playing on Sundays "until it starts hurting my family."
And though the money is nice, the insecurity can be chilling. If a player gets cut, there's no guarantee if, or when, another opportunity will come. Unsigned players tend to spend their time working out - often on a college campus, waiting for the phone to ring. When Taylor was released from the Buccaneers' practice squad on Nov. 7, he returned to Salt Lake City and worked out at the University of Utah's facilities, and went to his home in Moab, Utah, for Thanksgiving. It was there, while shopping for groceries, that he received a call from his agent, who told Taylor that he needed to catch the next flight to Philadelphia. He's been here ever since. Each week, he wonders whether he'll be able to stay. "As long as it's providing for me and my family, I'm going to do it," he says. "If it ever gets to the point where it's costing me and family more than it's worth, then I'll stop."
In 2003, Jamaal Jackson walked into the Eagles' locker room during his first day on the practice squad and received congratulations from Pro Bowler Tra Thomas.
"What do you mean, congratulations?" Jackson asked Thomas. "I'm on practice squad."
"Dude, you're still on the team," Thomas responded. "You still have a job."
Jackson spent two seasons on the practice squad before being promoted to the active roster as a reserve, and he eventually became a valuable starter. He's now a backup center, but he's used himself as an example for the practice-squad players who fill the roster each season.
"Most people look at practice squad as a negative," Jackson says. "You take the good with the bad. The good thing is you won't be on forever, and there's always room to excel. That's the challenging part. That's what kept me going. I knew, the more and more I stayed with it, somebody's going to see my talents."
That's how linebacker Greg Lloyd felt earlier this season. After the Eagles selected him in the seventh round of April's draft, Lloyd failed to make the final roster. He signed with the Eagles' practice squad and earned a promotion 2 weeks ago. So far, at least, the only differences between being on the active roster and the practice squad have been the bigger numbers in his paycheck and a spot on the team's flight to road games. Lloyd has been inactive in his three games on the roster.
Receiver Chad Hall already has felt the rush of Sundays. Hall was on the roster last season and started this season on the practice squad before being tapped for an open roster spot. He sits next to Ronald Johnson in the Eagles locker room. When Hall was on the practice squad, he told himself the same message each day - and it's one he's shares with Johnson: "Every day's an opportunity to get better, and any day your number could get called to move up, so be ready for it."
When Ronald Johnson finished his senior season at Muskegon (Mich.) High School, Rivals.com ranked him as the No. 8 overall prospect in the nation - and the No. 1 wide receiver. He signed with Southern Cal over Michigan and Florida, although he could have gone to dozens of other schools.
Upon arriving in Los Angeles, Johnson immediately factored into an offense overflowing with future NFL talent (Mark Sanchez was a backup that year). He did not need to redshirt nor wait his turn. He was productive at USC, although injuries devalued his draft stock. At 5-10 and 185 pounds, Johnson does not have elite size, so he needed to display good speed and sure hands, and he slipped to the San Francisco 49ers in the sixth round of April's draft. After catching only one ball and fumbling a punt in the preseason, though, he didn't make the team's final roster.
The Eagles saw enough raw talent to offer Johnson a spot on the practice squad, so Johnson and his fiancee, Kiya Covington, brought their two dogs across country. And when the first football weekend arrived, the couple first encountered a newfound realization: They had no games to attend. "We have to start from the bottom of the totem pole and work our way up," Covington says. "Later on, it'll be sweeter to tell the story."
At one point while watching the Eagles-Dolphins game, a Vicks cough-medicine commercial comes on, explaining how professional football players have "no sick days, no sick nights." Covington nods at the screen before adding, "And no holidays!"
She doesn't want to admit it, but she actually likes that Johnson is home on the weekends. He can finally experience football from her perspective, watching on television and listening to the commentary. She can ask the questions that she's always had about the game; she says she never knew how much Johnson understood about the sport until they watched it together. But she also sees the pain that Johnson experiences when he needs to explain to people what he does. "It's hard for me to tell I play football, because I'm not actually out there doing it," he says. "I'm still out there trying. I'm out there practicing, trying to get my craft to perfection."
He admits it's "actually embarrassing," because he doesn't play on Sunday. And that's all he wants at this point. He's remained patient, but there's a reason they live in an apartment with an easy-to-break lease and rental furniture. He gets up from his chair in the fourth quarter of the Eagles-Dolphins game and starts cleaning dishes. He glances at the screen and still calls plays, but he could no longer stand to watch. He wishes Sundays were no longer a day of rest.
Published Dec. 25, 2011
By Zach Berman, bermanz@phillynews.com
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redpajama_set_name: RedPajamaCommonCrawl


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What Pantone color are you????
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Tag Archives: Frankie Kazarian
AEW Dynamite is owned by All Elite Wrestling, Shahid Khan, and TNT
Welcome back to another week of TNA Impact! … Wait, that's not right. Welcome back to WCW Thunder! Nope! Try again! Welcome back to… AEW? There we go! Seriously, trying to fight the WWE is like one of those rouge likes with perma-death where you have to start over with a brand new character from scratch. Thankfully this just might be our best specced character yet as AEW has kept on chugging with quality content and management seems to have a good head on its shoulders for what are reasonable expectations for the brand. Is this week's episode another memorable and fun entry in the already venerated wrestling promotion? Let's find out!!
Kenny Omega & Hangman Adam Page Vs. Private Party (Isiah Kassidy & Marq Quen)
The big in-ring story for AEW going into 2020 is where The Elite stand as the de facto Face faction and whether they will break their losing streak anytime soon, but the thing is I'm not as bothered by Kenny Omega's losing streak as I am by his utter directionless at the moment. Where Cody has his one big storyline and a few other things simmering in the background that we'll get to later, everything with Omega feels like it's stuck in the background and it's hard to really sink your teeth into his character when even he doesn't seem to have a clear set of priorities. At least Kenny has those background things going on though. While stuff like his feud with Pac and whatever he has going on with John Moxley aren't front and center, they're at least THERE in some capacity. Adam Page really has nothing going on other than his own frustration at having nothing to do, so if nothing else putting him in matches with Omega has at least dragged him a bit forward as well. So how is the match this week? It's pretty good, but a bit plodding. Kassidy is in that ring for a LONG time and is basically the whipping boy for the entire first half of the match as Omega and Page work him over to show how tough they are, but Quen at least makes a comeback and does a good job of keeping Page and Kenny from running away with it. There just wasn't a whole lot to really excite me in this however, at least until the end when Page and Omega start working together and lay some SERIOUSLY painful combo attacks and Kassidy. That's pretty late into the match though and I've always been of the opinion that an opening match should get in and out to pump up the audience. We do eventually get a spot where Kenny has Quen in a hold and Page tries his Buckshot Lariat where he once again accidently hits Kenny, but it's like the third time we've seen it so it doesn't mean a whole lot. The only thing that's KIND of surprising is that Page (aside from the whole Lariat thing) is actually trying to be a good teammate as he protects Kenny at points and even breaks up a near fall to save the match. It seems to be done rather begrudgingly, but it at least shows that Page isn't some One Dimensional Sourpuss who will screw over his own teammates for no reason. Kenny ends up winning the match by landing a One Winged Angel on Marq Quen for the pin, and afterwards we see Pac on the big screen doing some sort of submission on Michael Nakazawa (I'm guessing it's the Brutalizer?) who then once again says that it's Kenny's fault and that he wants his rubber match. Ultimately this match and this angle felt like a holding pattern rather than an advancement of the storyline as we're just repeating the angle from last week. Not bad, but not how I'd start things out.
This entry was posted in Super Wrestling and tagged AEW, Awesome Kong, Brandi Rhodes, Britt Baker, Chris Jericho, Christopher Daniels, Chuck Taylor, Cody Rhodes, Dustin Rhodes, Frankie Kazarian, Hikaru Shida, Jake Hager, Jon Moxley, Jungle Boy, Kenny Omega, Kris Statlander, Luchasaurus, Marko Stunt, Matt Jackson, MJF, Nick Jackson, Orange Cassidy, Pentagón Jr, Rey Fénix, Riho, Sammy Guevara, Scorpio Sky, Shahid Khan, TNT, Tony Khan, Trent on January 9, 2020 by Matt Vetrano.
Happy New Year and TGI Wednesdays! It's the start of a new year and AEW is ready to bring us some more of that great wrestling action, only now they've reset everyone's win lose records from 2019 so everyone is now at zero-zero and they can all start fresh! Only everyone is still ranked exactly where they were last year… and they still show each wrestler's CAREER win lose records instead of just this year's… but I guess it's still important! Somehow! Aside from that odd little lurch in year change, does AEW come out on New Year's Day swinging for the fences, or is this just another day ending in Y for them? Let's find out!!
Cody Rhodes Vs. Darby Allin
The match starts off a bit odd as both guys come out with dudes who just seem to be there to be eye candy; Allin with some guy from some band I've never heard of and Arn Anderson who I highly doubt is going to get in the ring or interfere in the match, but whatever; it's the new year so they wanted to add a bit of pizazz to their first match! Once they get to the match it's actually quite great as both guys show off a heck of a lot of athleticism even if neither one of them come off as big powerhouse. I mean they're not quite at Lucha Bros level of raw acrobatic athleticism, but the amount of twists, spins, rolls, and flips is quite impressive here and works to Darby Allin's strengths which are NOT inflicting huge amounts of pain in a single punch. I think one of the things about Cody is that he's so… right down the middle I guess that he can work with almost anyone and it can come off as believable. He doesn't have the over the top physiques of Kenny Omega or Pac, and he isn't as nimble as small guys like Allin or Jungle Boy, but his move set is dynamic enough that he can more or less adapt to any opponent he's facing. The turning point in the match is when Allin knocks Cody right on his shoulder on the apron which Cody sells like a broken arm, and so now Allin has a chance to pull off some bigger moves on the guy like his famous Coffin Drop on the apron as well as working the arm for maximum damage. However, the match does come to an end with Darby Allin going for a second coffin drop on Cody who's ready for it this time and gets his legs up way in advanced; destroying Allin's back on impact and getting pinned by Cody immediately after he lands. I like this because it plays into Allin's character and doesn't necessarily make him look bad. Darby Allin is definitely a risk taker; always willing to put his body on the line at the drop of a hat. In a lot of case this is good because he's willing to do the big dangerous moves that no one else will, but it's also his fatal flaw as Cody so aptly exploited here. It was a solid match to start the show out on and best of all it didn't wear out its welcome or burn out the crowd; preferring to leave them wanting more to get them hyped for the rest of the show.
This entry was posted in Super Wrestling and tagged AEW, Britt Baker, Chris Jericho, Christopher Daniels, Chuck Taylor, Cody Rhodes, Darby Allin, Dustin Rhodes, Fénix, Frankie Kazarian, Hikaru Shida, Jake Hager, Jon Moxley, Jungle Boy, Kenny Omega, Kip Sabian, Luchasaurus, Marko Stunt, Matt Jackson, MJF, Nick Jackson, Nyla Rose, Orange Cassidy, Pac, Pentagón Jr, Riho, Sammy Guevara, Scorpio Sky, Shahid Khan, TNT, Tony Khan, Trent, Wardlow on January 2, 2020 by Matt Vetrano.
We're back with yet another episode of Vince McMahon's giant pain in the butt! While last week's episode left me a bit cold (possibly due to being sick at the time), I am still hopeful for what happens this week as we finally get the Jungle Boy match against Chris Jericho that they have been building up for weeks, and we can only hope the rest of the show is just as gret considering they are going off the air for two weeks; resuming on January first of next year. I consider this to be a phenomenally good decision because I frankly don't NEED a Christmas Day show and forcing wrestlers to work over the holidays like that is utterly heartless and I still want to have at least SOME hope that a heavily moneyed wrestling promotion isn't entirely evil! Is this a return to form for the series and the best way to end the first year of AEW? Let's find out!!
The Luchas Bros (Fénix & Pentagón Jr) Vs. Hangman Adam Page & Kenny Omega
DANG! We're not just starting off with a bang; we're starting with a freaking CANNON as these are four of the biggest stars in the entire company and they're coming out as the opening act! The first part of the match is a bit of a clown show with both teams peacocking at each other, but the crowd was SO into it as it basically devolves into elaborate call backs like Pentagón's glove thing which I still don't fully get as well as prideful stare downs where they give their best smoldering intensity for no discernable reason other than everyone involved REALLY wanting to show off. There is almost negative momentum here as no one is in any particular hurry to get the match going and I found it a LITTLE bit off-putting as I prefer matches to have some real flow and movement, but there's genuine charm to watching the biggest hams in wrestling Kenny Omega and Pentagón Jr staring at each other for an almost uncomfortable amount of time; daring the other to be the first to break the tension. The match does eventually pick up, and while it's never a barn burner to bring the house down, it's fun and has a lot of really hard hits that the crowd continued to eat up. I particularly liked this one spot where Pentagón drags Kenny Omega out of the ring so that Fénix can follow up with a Suicide Dive. THAT shows some real teamwork that you just don't get when you throw two randos together in a match like this! Now one of the things about last week's tag match with Adam Page and Omega is that Page seemed to have some sort of resentment for Kenny that didn't manifest into a full blown betrayal but definitely left things a bit more intense than they should have been considering they did get the victory. This match continues up on that as it ends in typical tragic face fashion where Adam Page "ACCIDENTALLY" lands a Buckshot Lariat on Kenny Omega which opens him up for Pentagón's finisher and subsequent pin; and now we have to wonder just how intentional Adam Page's little screw up there really was.
This entry was posted in Super Wrestling and tagged AEW, Andy Williams, Awesome Kong, Brandi Rhodes, Braxton Sutter, Britt Baker, Chris Jericho, Christopher Daniels, Cody Rhodes, Darby Allin, Dustin Rhodes, Evil Uno, Frankie Kazarian, Hangman Adam Page, Jake Hager, Jon Moxley, Jungle Boy, Kenny Omega, Kris Statlander, Luchasaurus, Marko Stunt, Matt Jackson, Michael Nakazawa, Nick Jackson, Pentagón Jr, Rey Fénix, Scorpio Sky, Shahid Khan, Shawn Spears, Stu Grayson, TNT, Tony Khan, Tully Blanchard on December 19, 2019 by Matt Vetrano.
We're back with even more AEW action on one of the few days of the year I really don't feel like having AEW action! I spent the WHOLE time this show was on frantically cooking things for today and I can't imagine all the workers there were too happy to be doing this instead of spending time with their families, but maybe I'm wrong about that. I mean that crowd was pretty good for a night before Thanksgiving wrestling show, and this particular holiday is kind of nonsense anyway, so maybe they're exactly where they want to be! In any case, I think we can probably cut each other a bit of slack here if I missed anything or didn't fully grasp the DRAMA with what was happening, okay? Let's get started!!
Chris Jericho's Thanksgiving Thank You Spectacular
As announced last week after Jericho's heartfelt apology, the episode started with a Thanksgiving Party in the ring that no one was invited to but we were all more than welcome to spectate as Jericho just chews up the scenery with more voracity than most people have eating the stuffing and creamed corn on National Turkey Day. Before he even gets into the ring someone named Soul Train Jones (I'm pretty sure he was in one of The Inner Circle's video packages) introduces Jericho who then comes down to the ring accompanied by a marching band because you don't get Le Champion to do anything half assed. The crowd is totally marking out for the guy with chants of THANK YOU JERICHO before starting to boo him the moment he starts speaking, and this really did add a lot to the segment; especially when Jericho offers them fifty cents off his T-shirts and they react like they won a car. The inner Circle eventually comes in after Jericho has pimped out all his new merch, and they proceed to give him various gifts to show their appreciation for the dude who made them the biggest names in wrestling. Sammy Guevara gives him a standee of the two of them hugging while Proud N Powerful give him a basket full of… stuff I guess. Vicks Vapo-rub, a box of dominos, booze, basically everything you would need to survive in a fallout shelter once the bombs start to drop. Even Jake Hager gets in on the revelry as he comes out with a very uncooperative goat named Chris Jeri-goat which is the second best name for a goat right after Benedict Cumber-BAAAAAA-tch. I don't know why any of this is happening and I hope that animal wasn't TOO distressed, but it seemed to be all in good fun and Hager could not keep a straight face in the slightest. The last gift however was the best one of it all because it reminded me of the only wrestler better than Jericho (The MIz) which turned out to be his dad who is a former hockey player and proceeds to hometown team; Like father like son I supposed. I did like this segment, but I feel they should have cut it a bit shorter or made them more of heels throughout as they come off as fun loving and kind of dorky dudes celebrating how much they appreciate each other which is not exactly the image you want for your dominate heel faction. I mean even if you wanted to argue that they were self-centered and cocky, it's still not particularly THREATENING, and the one thing about all these guys is that they know how to cause damage when you least expect it; not just waste time giving each other pats on the back. EVENTUALLY though, there comes a point where he has the ring announcer read a thank you note from TNT to the crowd, but the guy doesn't read it in as nice a tone as LE CHAMPION would have wanted and so they Inner Circle curb stomps him. FINALLY they start to act like heels but then out of nowhere three dudes in the marching band rush the ring, turn out to be SCU in disguise, and start cleaning house; INCLUDING knocking Soul Train Jones right no his ass! I don't know how much you can claim to be good guys if you're clothes-lining dudes in their late fifties, but it did end the segment on a high note which is good enough for me.
This entry was posted in Super Wrestling and tagged AEW, Bea Priestly, Chris Jericho, Christopher Daniels, Chuck Taylor, Cody Rhodes, Diamond Dallas Page, Emi Sakura, Frankie Kazarian, Hangman Adam Page, Hikaru Shida, Jake Hager, Jon Moxley, Kenny Omega, Kris Statlander, Matt Jackson, Matt Knicks, MJF, Nick Jackson, Ortiz, Pac, Pentagón Jr, Rey Fénix, Sammy Guevara, Santana, Scorpio Sky, Shahid Khan, TNT, Trent Beretta on November 28, 2019 by Matt Vetrano.
With the fallout of Full Gear fresh in our minds, this week's episode of Dynamite has a lot to live up to as well as a lot of storylines to start building back up. Will Cody live up to his word and not challenge for the AEW title again? Will MJF be able to explain himself for his betrayal of Cody? Will Jericho continue to be a smarmy jerk that we all love to hate? Hopefully the answer to all three is a HECK YES, but let's find out!!
Before our first match, we get an update on Kenny Omega who (in storyline; I'm pretty sure it's just a work) is not cleared for tonight's show due to the injuries he sustained in the Light's Out match he had with Jon Moxley at Full Gear. We also learn that Michael Nakazawa is a friend of his which is relevant because…
Jon Moxley Vs. Michael Nakazawa
You know a Nakazawa match is serious business when he foregoes the baby oil! Right off the bat he just tosses it away and starts coming after Moxley with everything he's got to avenge his bleeding buddy, but to no avail as Moxley makes short work of him in a match that barely goes on longer than a minute. I didn't mind it though! I like being showed that Nakazawa can have a serious side to him and it's important to make Moxely look as strong as possible if he's going to continue being a top guy in the company; neither of which requires a whole lot of time and is a refreshing change of pace for a promotion known for REALLY long matches. Besides, the real point of all this is to give Moxley the mic afterwards who proceeds to gloat as hard as he can and promise to destroy EVERYONE at AEW until the company itself is destroyed and he is the only one left remaining. He issues an open challenge to the locker room for anyone to take a shot at him which at this point may be just as prestigious a challenge as going for the title itself. Jon Moxley is THAT good at being pissed off, aggressive, and in complete control of his surrounds. Surprisingly the crowd is pretty mixed on the guy which is great because it shows that the audience is willing to play their part in the story because of how invested they are in the product. What's even MORE surprising though is that no one from the locker room takes him up on the offer which either means that everyone backstage is scared or that they want to drag this story out a bit more so we that fans can speculate on who would be the best person in the company to try and take Moxley down a peg. I prefer it if a show like this doesn't drag things out early on and this was a great start right off the bat!
This entry was posted in Super Wrestling and tagged Adam Page, AEW, Awesome Kong, Brandi Rhodes, Chris Jericho, Christopher Daniels, Cody Rhodes, Dani Jordan, Darby Allin, Dark Order, Evil Uno, Frankie Kazarian, Joey Janela, Jon Moxley, Jungle Boy, Jurassic Express, Kenny Omega, Kylie Rae, Leva Bates, Luchasaurus, Marko Stunt, Matt Jackson, Michael Nakazawa, MJF, Nick Jackson, Nyla Rose, Orange Cassidy, Ortiz, Pac, Peter Avalon, Sammy Guevara, Santana, Scorpio Sky, Shahid Khan, Shawn Spears, Stu Grayson, TNT, Wardlow on November 14, 2019 by Matt Vetrano.
Super Wrestling: AEW – Full Gear
Full Gear and all the images you see I this recap are owned by All Elite Wrestling and Shahid Khan
While technically being the fifth AEW PPV (sixth if you count All In which was basically AEW Zero), this is the first one since they've gotten the TV series and have started to focus more on long term storylines. Not only that, but it's coming off of a MASSIVE amount of success from Dynamite which has consistently beaten NXT in the ratings, so there's a lot of hype and high expectations surrounding this PPV which is always a double edged sword as it means more people are interested in seeing it but that they're also much more easy to disappoint. Can AEW continue their streak of high quality wrestling action with their latest PPV? Let's find out!!
Britt Baker Vs. Bea Priestly
The only match they had on the pre-show for Full Gear was this match against Britt Baker and Bea Priestly which I GUESS is supposed to be the blow off to a feud, but they never HAD a feud to begin with. They had one match all the way back before they got on TV and I think they were on a tag team match a few weeks ago, but at no point did they interact in any meaningful way to sell this supposed rivalry between them. There's a video package before the fight where Britt talks smack about Priestly and I just don't think it works because Britt brings up stuff we'd NEVER heard of until now about her being possibly injured in the Fight for the Fallen match and it's also completely one sided as Priestly doesn't even show up in the video, so for all we know she's just out there doing her thing and being respectful towards everyone while Britt is off to the side seething for no good reason! Now all that having been said, when the two of them actually DO get in the ring they are fighting like this match means something. Britt is definitely all scowls and fury which is a far cry from the babyface she often portrays, and Priestly is definitely relishing just how much she's gotten under her skin. The moves as well are less coordinated and flashy as they are just slugfests and pain clinics which is how you definitely want to pay off a feud even if this particular one still didn't feel properly set up.
"How many fingers am I holding up? HOW MANY!?"
This entry was posted in Super Wrestling and tagged AEW, Ami Sakura, Awesome Kong, Bea Priestly, Brandi Rhodes, Britt Baker, Chris Jericho, Christopher Daniels, Cody Rhodes, Frankie Kazarian, Hangman Adam Page, Isiah Kassidy, Jake Hager, Joey Janela, Jon Moxley, Kenny Omega, Lucha Bros, Marq Quen, Matt Jackson, MJF, Nick Jackson, Ortiz, Pac, Pentagón Jr, Private Party, Proud N' Powerful, Rey Fénix, Riho, Santana, Scorpio Sky, SCU, Shahid Khan, Shawn Spears, TNT, Tully Blanchard, Young Bucks on November 11, 2019 by Matt Vetrano.
We're back with another week of AEW action, and with the Tag Team Tournament coming to a close as well as the ever closer PPV on the horizon, they've got more than enough momentum to put on a dazzling display of wrestling glory! Will they continue to capitalize on their runaway successes, or will this be the week that everything starts to derail? Let's find out!!
The episode begins with SO much stuff before we even get to the opening credits! Essentially they're trying to build up the PPV Full Gear which will be on 11/9 with a couple of scripted promos, which is basically the opposite of last week which started out with a match that didn't even get proper ring entrances, and I personally really liked this approach. I'm all about the storylines when it comes to wrestling and while this might not be THE MOST AMAZING PROMOS OF ALL TIME, it's just another example of AEW showing off that they are on top of EVERYTHING when it comes to the wrestling business. Last week they started us with amazing tag team action and now they're giving us a reason to care about the upcoming show. So what exactly DID they show us? Well there's a scene with Cody Rhodes and Tony Schiavone chatting at the airport about his upcoming match against Jericho at the PPV where he will try to strip the heel champion and leader of the Inner Circle of his title. Last week Jim Valley gave an interesting argument as to why Cody is the best wrestling at this period of time and I kind of see it. He comes off like a genuine superstar; one who's larger than life but not quite a cartoon. He has a great balance of innate charisma and strong showman sensibilities that makes even the obviously staged action of this show come off as something much more real. After that we get reminded that Pac and Hangman have a match as well with a montage of their interactions. No new footage here, but it's a solid enough package. The BIG promo though comes with Jon Moxley who we see go into a room and we hear a conversation between him and Tony Khan where we learn that the match between him and Kenny Omega has been changed to a Lights Out match; i.e. an unsanctioned match which means that the results will not go on either person's record and Moxley is VERY upset about this. I think this is a good SETUP, but they definitely need to give Moxley and Omega more time to talk about it for it to really be something special.
Sammy Guevara Vs. Hangman Adam Page
I liked this one right off the bat because it was telling a story other than the one about how awesomely two dudes can beat the crap out of each other. Adam Page is the frustrated face going up against the cocky heel that's getting a too big for his britches since joining up with the other bad guys. They just let Adam Page go to TOWN on Sammy and it's EXACTLY what the dude needs to be taken seriously at this point. The reason I initially had a problem with Jericho winning the title is that it made Adam Page (and to an extent the newer guys on the roster) seem lesser than the old school legend they were elevating to the top which is a trap many bad wrestling promotions can fall into. Since then Adam Page really hasn't done much to impress me, but here it feels like they finally get it and are giving him a real chance to stake his claim. He fights clean but aggressively while Sammy can only get an edge in with underhanded tactics. It makes Adam Page look like an absolute BEAST (especially after two AMAZING spots where he lifts up Sammy like he's a loaf of bread) but it also continues to show how smart Sammy is who has GREAT ring awareness on top of his already impressive athleticism. Hangman eventually wins with a buckshot lariat (that is SUCH a devastating looking move!) and he gives a brief promo where he acknowledges his slump but vows to show us what he's REALLY made of at Full Gear! THAT'S how you sell a PPV, THAT'S how you tell a story in a match, and THAT'S how you turn a face into a superstar! I still think they mishandled Page a bit leading up to this moment, but this has turned me around quite a bit on the Hangman!
This entry was posted in Super Wrestling and tagged Adam Page, AEW, ALex Reynolds, Angélico, Chris Jericho, Chuck Taylor, Cody Rhodes, Dustin Rhodes, Fénix, Frankie Kazarian, Hikaru Shida, Jack Evans, John Silver, Jon Moxley, Kenny Omega, Kip Sabian, Matt Jackson, Nick Jackson, Orange Cassidy, Pentagón Jr, QT Marshall, Sammy Guevara, Scorpio Sky, Shahid Khan, Shanna, TNT, Trent Beretta on October 31, 2019 by Matt Vetrano.


text:
Digifest
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How is Open Banking reforming credit reference agencies?
Newsdesk | News
While banks and challengers fight over the new opportunities in Open Banking, credit reference agencies are having their own tussle to better understand the consumer…
Since obtaining their FCA accreditations to supply Open Banking and PSD2 services, Experian and Equifax have been spending big on research and development.
Both companies recognised that Open Banking was likely to have a transformative effect on their business models, with consumers becoming increasingly demanding about the use of their data and the freedom that their financial footprint should afford them.
As the businesses have responded to the changing marketplace, they have been looking at opportunities for growth in new areas, and the potential for expanding their client set organically. In addition, both companies have sought to acquire related businesses which will strengthen their hand in the future battle for consumers that lies ahead.
At the end of 2017, Experian announced that it had acquired UK FinTech group Runpath in its half year results, only to follow that with the acquisition of consumer credit-checking brand Clearscore shortly after, in a deal worth £275m, according to The Times.
Not to be outdone, Equifax has also expanded its reach through acquisition. In July, the group acquired US group DataX, which the company said would enable it to expand its techniques in alternative credit, identity solutions and payment data analysis.
Ultimately, there is a race on between the two groups to gain the best possible understanding of consumers in anticipation of a wave of new products from financial challengers and an expanding number of outlets where consumers will expect access to their data.
"We picked up on the concept of 'open data' around three years ago," explains Jon Roughley director of Enterprise Strategy at Experian UK & Ireland. "The whole construct of putting the consumer in charge of their data is fantastically powerful and really exciting."
In an interview with Open Banking Expo, Mr Roughly said Experian has been investing in research, focus groups and online communities to better understand how consumers respond to their data being used by commercial organisations.
Part of this has been done through an online community of 300 individuals, with a small contingent swapped in and out every quarter to keep it fresh.
He says: "We use that community to test a variety of things – people's attitudes to product concepts, their problems in their daily lives, their likely responses to possible future events, such as a data breach, or the arrival of a new bank.
"The way previous research was conducted guaranteed an outcome that suggested that people wouldn't want to share their information. But, in reality, the picture is much more complex. Given the right circumstances, organisation and mechanisms, most people will share their data."
As most people would expect, Experian and Equifax have been working hard to identify the circumstances where consumers would be happy to share their data. The industry cliché of "the value exchange" has become the buzz phrase for both companies, who are seeking to develop a commercial edge.
"There has been a lot of talk of 'the value exchange," Mr Roughley explains. "For people to want to share their data, you have to give them something in return. That is the trade-off between value and privacy and our insight told us that customers expect both.
"It also told us that within terms of that value exchange, it had to be both meaningful and immediate. There is no point in promising that you'll get something tomorrow, because they won't believe you. It has to save people money, time or make their lives more convenient."
In May, Equifax announced that HSBC UK had chosen its InterConnect platform for the UK's "first live open banking credit application solution," which the company said would speed up affordability assessments for those making new credit applications.
However, while the company has conducted its own assessments on the consumer value exchange, it has decided to take a little longer to show its hand on any new product suite.
Jake Ranson, the group's chief marketing officer for Europe, said the industry should expect some more noise in the fourth quarter of 2018.
"We have not made any big announcements yet other than heralding the work that we did with HSBC," he told Open Banking Expo in an interview.
"We have made some tactical announcements, but we haven't come out with a brand-new product suite, because we are still in that 'rolling start' phase to find those value exchanges. In Q4, we will probably break our silence a little."
Ranson said that the industry was still trying to identify the priorities for customers and so product testing at this stage was still "a series of experiments".
He added: "Nobody really has all the answers at this point. A lot of the work we are doing is around framing these experiments, doing the R&D, and trying to create ideas that are useful to consumers. "Consumer adoption dictates whether or not we get it right and we will continually adapt. There is a lot of proof of concept work that has been going on, and there is time ahead of us to adapt.
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