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Washington: 12 Tribes Colville Casinos launch sports betting kiosks in three locations
The 12 Tribes Colville Casinos located in Washington State, in collaboration with IGT, have officially launched sports betting kiosks at their three locations in Lake Chelan, Omak, and Coulee Dam. The sports betting operations, known as 12 Sports Book, allow wagering on many sports -including football, baseball, and soccer- withContinue Reading
FDJ Adds New Locations to Grassroots Sport Scheme
In: Sports Betting News
Française des Jeux (FDJ) has revealed a series of fresh sporting facilities in Montargis. The new locations will be used to further promote grassroots sports in the country as part of an initiative called "Gaining Ground." The scheme was launched in May 2022 and it was created to stimulate citizensContinue Reading
National Racehorse Week: Equine Ambassadors To Visit 34 Locations Across Britain – Horse Racing News
Foster said, "Sigurd is an incredible horse – he competes on the racecourse, but also regularly visits schools and residential homes, which has become second nature to him. I've never known a horse so able to relax and genuinely relate to people, from children with special needs, to older peopleContinue Reading
Randy's Donuts Sets Opening Date For First of Seven Las Vegas Locations
On: August 7, 2022
Posted on: August 6, 2022, 04:53h. Last updated on: August 6, 2022, 06:23h. Randy's Donuts, the most recognized donut shop in the world, will open its first of seven Las Vegas locations on Tuesday, Aug. 16. Fans of the iconic brand need only travel five miles west of the StratosphereContinue Reading


Did you know that approximately $30 TRILLION of wealth will be shifting to the next generations in a few decades*? Are you positioning yourself to retain your clients' wealth when it shifts?
With the Advisors Assistant Household feature, you can easily track children and other family members. Advisors Assistant helps you stay in touch with these children to build that all-important relationship, so they'll keep you as their advisor for all of their financial decisions.
Advisors Assistant's View Client with Household screen groups family members together under one Household, but each individual has their own record in the database. The Household feature can be used for combined reporting and gives you quick access to the other members' names.
The addresses and phone numbers can also be linked to each member of the household so if they move, you only need to update the contact information once. To create a Household and group the contact information, first you need to decide who is the Head of Household and check the box on that person's Modify Name Screen. Then you can click on the Add button from the View Client with Household Screen to add household members, and link the Address and Phone Number to all members.
As the children get older and start needing financial advice, they'll already have a record in your database that shows the history of your notes and correspondence, as well as any hobbies or areas of interest you've noted throughout the years. This gives you a huge advantage over any other advisor out there.
The Advisors Assistant View Client with Links feature is another way to track the relationships of contacts in your database. You can easily tie family members together and show their relationships through links, without going through the steps to create a household. Once the names are linked together, you can quickly switch back and forth between their records.
Just another way Advisors Assistant helps maintain relationships not only with your current clients but also prospective and future clients!


Minnesota Department of Transportation's $3.2 million interchange project at U.S. Highway 10 and County State Aid Highway 34 near Perham provided better transportation access for area manufacturers, employees and patients of Perham Health Hospital, and the community in general.MnDOT had the idea for the interchange for some time, yet did not know how to fund the project. However, a public–private partnership (PPP) through MnDOT's Transportation Economic Development program—a competitive grant program available for highway improvement and public infrastructure projects that enhance economic development—allowed the project to move forward. With the PPP, MnDOT constructed the interchange for U.S. Highway 10, a major traffic artery for the community. The new interchange allows for a better commute for those accessing the various local businesses, in turn supporting the local economy.


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Q: Changing cluster point label font size in R I have a cluster with a lot of data points that overlap and are therefore hard to read. I have been attempting to reduce the font size using the "theme" function but so far I have only been able to change everything but the label point font size:
clust_1975F <-  kmeans(df_1975F, 3, nstart = 25)
X11()
(fviz_cluster(clust_1975F, data = df_1975F)
    + ggtitle("Cluster for Females in 1975")
    + theme(text = element_text(size = 5)))

Cluster output with the use of "theme" function:

A: OP, you're looking for labelsize=, which is an argument for the fviz_cluster() function from the factoextra package.  I encourage you to check the documentation for the function, which has a lot of examples and a good description of all the arguments used for that function.
Here's an example with iris that is from the documentation page:
library(factoextra)

set.seed(123)
data("iris")
head(iris)
iris.scaled <- scale(iris[, -5])
km.res <- kmeans(iris.scaled, 3, nstart = 10)
fviz_cluster(km.res, iris[, -5], ellipse.type = "norm")

To change the size of the text (let's make it larger here), you just need to run fviz_cluster() with labelsize set to something larger than the default setting (listed in the documentation as 12).
fviz_cluster(km.res, iris[, -5], ellipse.type = "norm", labelsize = 22)

redpajama_set_name: RedPajamaStackExchange


text:
Our Elites Care Less about Economics than Allegiance to Our Glorious Multicultural Future
July 7, 2016 /49 Comments/in Donald Trump, Featured Articles /by Hubert Collins
For all the talk of the middle class, the working class, the elite, fair shares, and globalization, this year's election has shown how little economics matters. Partisans of each school of economic thought have stopped quibbling with one another and suddenly have come to agree with about one thing: stopping Donald Trump. A sort of circling of the wagons has occurred in which the Keynesians, the supply-siders, the Marxists, and the socialists have taken a rest from shooting at one another in order to eviscerate the Donald. As it turns out, they all don't hate each other nearly as much as one would've guessed a year ago.
Paul Krugman, the welfare-state advocating court economist of the New York Times seems to have gotten the ball rolling last fall when he wrote a column called "Trump is Right on Economics." Therein, Dr. Krugman ridiculed Jeb Bush (remember him?) for having attacked Mr. Trump for advocating higher taxes on the wealthy instead of attacking his racism. Dr. Krugman wrote in his typical acerbic tone:
Mr. Bush hasn't focused on what's truly vicious and absurd — viciously absurd? — about Mr. Trump's platform, his implicit racism and his insistence that he would somehow round up 11 million undocumented immigrants and remove them from our soil. Instead, Mr. Bush has chosen to attack Mr. Trump as a false conservative, a proposition that is supposedly demonstrated by his deviations from current Republican economic orthodoxy: his willingness to raise taxes on the rich, his positive words about universal health care. And that tells you a lot about the dire state of the G.O.P. For the issues the Bush campaign is using to attack its unexpected nemesis are precisely the issues on which Mr. Trump happens to be right, and the Republican establishment has been proved utterly wrong.
The Democratic senator Elizabeth Warren made similar comments a few days later. She applauded Mr. Trump's stance on higher taxes for the rich, but quickly followed her comment up by saying his stance on immigration made it impossible for her to support him. Indeed, it isn't just that liberals won't vote for him either, they are absolutely apoplectic about his very existence. An editor at Vox, Emmett Rensin, openly advocated violence against Trump supporters. Vox is even relatively centrist in comparison to the fashionable Marxist publications out there like Jacobin Magazine, which regularly attacks Vox from the left, and declared the shutdown of a Chicago Trump rally to be a defense of "democracy."
But just as the hate for Mr. Trump increases as one heads further and further left, so does the natural alignment with his economic policies. Leftist economists have often attacked what they view as corporate, anti-worker, free trade deals like NAFTA and the TPP for twenty-five years. But if the man who opposes those deals and promises to overturn them doesn't pledge allegiance to our glorious multicultural future and Gang-of-Eight-type comprehensive immigration reform, they will vote for the wife of the man who brought us NAFTA, and spew as much hate and bile at her opponent as they can.
Take Tom Hayden for example, a hero of the New Left (once married to Jane Fonda, no less) and professional hard-left activist and author. He put together the Zapatista Reader, a collection of essays admiring and explaining the Zapatista rebels in southern Mexico who are the darlings of leftist academics. The Zapatistas exploded onto the global scene in 1994 because of their opposition to NAFTA, declaring the trade bill to be "death." But today, he writes essays for the Nation about why he is voting for Hillary Clinton instead of Bernie Sanders — to create a united left against Mr. Trump. Plenty of other leftist intellectuals share this contradiction. Thomas Frank is still a frequent critic of NAFTA, even a dozen years after its passage, but calls Mr. Trump a "bigot of… pungent vileness." Chris Hedges is the same way. He hates the Clintons and he hates NAFTA, but he hates Mr. Trump even more.
But leftists aren't the only ones in a contradictory bind over their hatred for Mr. Trump. Numerous Republicans have now not only declared themselves "#NeverTrump" but have also declared their intention to vote for, or at least hope for the victory of, Hillary Clinton come November. Why?
Let's take a look first at Bret Stephens, the fanatically pro-Israel op-ed columnist for the Wall Street Journal whose main problems with Trump are his use of the phrase "America First," "the Republican descent into populism," and especially Trump's failure to vigorously defend the anti-White status quo (Trump's "conservatism of blood and soil, of ethnic polarization and bullying nationalism."). But it's always good strategy to dress up these fears with other criticisms so that the ethnic agenda remains a bit submerged. In his column "Hillary: The Conservative Hope," he says:
Where's the evidence that, as president, Mr. Trump will endorse conservative ideas on tax, trade, regulation, welfare, social, judicial or foreign policy, much less personal comportment?
In a void, Mr. Stephens might have a point. But just a cursory glance at the records of the last two Republican nominees for president make it much harder to take Mr. Stephens seriously. Mitt Romney was openly and proudly pro-choice when he was still stuck in Massachusetts, but of course became pro-life come his run for the nomination. Likewise, when he was governor of liberal Massachusetts, he favored single-payer healthcare, before going on to rail against "Obamacare" in 2012. But then after he lost that election, he has said the program under his governorship was the model for Obamacare. In the last six years, Conservatism Inc. has talked endlessly about the evils of Obamacare, with its taxes, regulations, overreach, etc., and the GOP still nominated the bill's godfather.
Pedaling back another four years, we get John McCain. Social conservatives have never been able to stand him, having seen him as a sell out since the 1990s, and they're still attacking his lukewarm pro-life stances these days. On economics, Senator McCain supported the enormous 2008 bailout, the Toxic Asset Relief Program, and campaign finance reform. The last Republican president, George W. Bush, of course supported all the same 2008 government interventions in the economy as well — he oversaw them. He also raised tariffs on steel, expanded medicare, and increased the size of the Department of Education.
For all the chatter of FOX News hosts and all the data of Heritage Foundation policy papers, Republican electoral figures rarely achieve, and often don't even bother advocating for, shrinking government, lowering taxes, or abolishing abortion. Mr. Trump is nothing new in this regard. Just like any and every other Republican, aside from outliers like Ron Paul, there is no reason to believe that as president he'd make the federal government go back down to pre-FDR levels, or even pre-Ronald Reagan levels. It is hard to believe that GOP-supporting pundits and journalists, like Bret Stephens, are completely blind to this—indeed, Stephens' ethnic commitments appear to be a far better explanation of his views on Trump than his commitment to "conservative values." Yet there are plenty of Republican partisans like Mr. Stephens who cannot and will not play ball with the nominee; George Will and Erick Erickson being among the most prominent.
So if Republican intellectuals are always compromising their free market and small government ideology to support electable candidates, and leftists have plenty to admire in Mr. Trump's positions, why do both sides hate him so?
Because Donald Trump represents hope for White people, for Middle American Radicals, for the historic American nation. Because he gives Whites something to believe in, because he thinks that Whites should be proud of who they are and of who their ancestors were. Mr. Trump thinks America's a fine place and as such, he thinks its borders should be well-defined and protected.
Those beliefs are the opposites of our cultural elite, the purveyors and upholders of our culture of critique. Their world view isn't so much a different one to Mr. Trump's. It is the foil to it. Our sociologists and TV talking heads are fueled much more by their drive to deconstruct a tangible world they loathe than any constructive impulse to build a utopia, or even a castle in the sky. Marxists don't love the labor theory of value more than they hate the traditional people and culture of the United States. Gender theorists and the feminist left don't love LGBTQ people more than they hate White people who are opposed to yet more Muslim immigration and all that goes along with that (rape, terrorism, female genital mutilation, oppression of women, murder of homosexuals). Union organizers and liberal pundits don't love the working class more than they hate White people (if they did, they would oppose immigration of cheap non-White labor). As Gregory Hood once said, "the war on Whites is all they have." Despite all the obfuscation, it's really all about race.
Meanwhile, our Republican-leaning economic elite knows Mr. Trump to be bad for business. Stock traders and capital investors are safer in a world where people are content to do nothing more than watch Game of Thrones after a double shift at Wal-Mart. The boys on Wall Street can get rich with trade deals that bankrupt the country while creating enormous demands for social services for the losers in this game. But they'll keep playing the game as long as most people are reasonably content and distracted — and that was exactly the plan until Trump entered the race and exposed the raw anger of so many White Americans. Contentment and distraction meant not having a sense of history or pride, but Trump, with his "America First" campaign has ended all that. Whites who want to be yeomen or pioneers like their ancestors instead of clerks and cubicle rats — cogs in the system — are just as dangerous to the economic order of Davos Man as Black Panthers — so the GOP slanders them both.
Karl Marx didn't hold the interests of Whites first and foremost anymore than Milton Friedman did. Or John Maynard Keynes for that matter. Thomas Carlyle claimed economics to be a "dismal science" unworthy of serious consideration, and it is no coincidence that the man who said that was a White advocate. So forget the numbers, and remember the genes.
https://www.theoccidentalobserver.net/wp-content/uploads/2018/06/TOO-Full-Logo-660x156-1.png 0 0 Hubert Collins https://www.theoccidentalobserver.net/wp-content/uploads/2018/06/TOO-Full-Logo-660x156-1.png Hubert Collins2016-07-07 08:11:292016-07-07 08:41:03Our Elites Care Less about Economics than Allegiance to Our Glorious Multicultural Future

redpajama_set_name: RedPajamaCommonCrawl


text:
import os

version_file = os.path.join(os.path.dirname(__file__), "VERSION")
with open(version_file, 'rb') as f:
    __version__ = f.read().decode('utf-8').strip()

from djdd.initialize_build import install_build_environment, uninstall_build_environment
from djdd.add_software import add_software
from djdd.add_variant import add_variant
from djdd.status import get_status

redpajama_set_name: RedPajamaGithub


A heavy-duty formula that removes stubborn dirt, stains, and residue from all marine surfaces.
A heavy-duty formula that removes stubborn dirt, stains, and residue from all marine surfaces. Can be used in fresh and salt water. Biodegradable formula in a quart-sized, recycled container. Sudbury®'s Eco-Safe cleaners are green formulas that use "CLEANgredients" safer for our planet!


If you click on the link in the message, spammers send out falls victim to a page with an exploit, which establishes a system of Trojan Zeus.
The site Internet Storm Center (ISC) at SANS Institute, a notification appears on the current spam campaigns using the template of the messages from Microsoft, in which attackers use recent vulnerability in Java.
Trojan.Maljava!gen23 is a heuristic detection for files attempting to exploit the Oracle Java SE CVE-2012-1723 Remote Code Execution Vulnerability.


text:
4x4 in Schools
EDGE4x4 has completely rethought the design of RC vehicles and tried to improve vehicle standards as well as removing the face of typical radio controlled cars. We believe the impossible is possible, therefore no matter the terrain, EDGE4x4's Vehicle has a good chance at completion in the next stages throughout this competition.
For more details about EDGE4x4 and to view the team's several awards, please visit the About Us page.
Land Rover 4x4 Challenge in Schools
The Land Rover 4x4 in Schools Technology Challenge requires students to build a radio controlled four-wheel drive vehicle to the specifications provided by the International Rules Committee. It must successfully navigate and complete obstacles on an off-road test track which is just as demanding as a real off-road situation. The vehicle must emulate the capabilities of a full-size 4x4 vehicle. Each team will enter the vehicle into a Regional Final to compete for a place at the National Final in their country. The National Champions from each country are then invited to compete at the Land Rover 4x4 in Schools World Finals! The challenge involves between three and six team members working together to design the 4x4 vehicle to set specifications.
Land Rover 4x4 in Schools
King's School Worcester
We are students aged between 14-15 Years Old at King's School Worcester. We are very lucky to be able to go to this school and we feel very privileged to have an amazing teacher that has a lot of experience in this field of engineering and has supported us with a great deal of help and personal time throughout our time in the competition.
The King's School, Worcester is an English independent refounded by Henry VIII in 1541. It occupies a site adjacent to Worcester Cathedral on the banks of the River Severn in the centre of the city of Worcester. It offers mixed-sex mainstream education that follows the UK National Curriculum to around 1,465 pupils aged 2 to 18. At age 11, approximately two thirds of pupils join the senior school from its two junior schools, King's Hawford and King's St Albans, while others come from maintained schools in the city of Worcester and the surrounding areas that include Malvern, Reddich, Kidderminster and Pershore.
EDGE4x4 ©2018
Email: EDGE@EDGE4x4.co.uk
More contact details: Contacts


To clean, just slide it in and out of the printer two or three times. Stylish and practical hand held, desktop, scientific and printing ranges. Here I'm printing from the computer. See our Returns Policy. Visit our Help Pages. To prepare the printer for printing, install the ribbon cassette, load the paper cassette, connect the power cord and then make any data connections you want.
To retract it, just yank it back out a bit and it will zip back in. Jan 1, 1: Contact Support Contact Support. While the printer box itself is compact, you do need an addition 7.
The firmware is upgradable, with updates posted at http: Make your next creative idea come to life. Need An Office Printer? Share Facebook Twitter Pinterest.
On the right side of the front panel is the flip down cover for the ribbon cassette compartment. You may obtain technical support for your Product as follows: Then came the digicam and then the messy inkjet and then the bright idea that 4×6 dye subs were all anyone really needed to flip through their latest selpyy.
The cable stretches out about 10 inches and grabs.
It was the v4. The printer ships with a cleaner stick to clean dust off the printer's internal rollers. After that, it worked perfectly.
Ink Compatibility See Paper Compatibility below. Sel;hy choose the right size for the right photo – fr Immediate prints direct from your digital camera via the clever retractable USB cable.
Posted on Dec 31, 3: Scroll down to easily select items to add to your shopping cart cnon a faster, easier checkout.
We did try to print to the CP via USB from an Airport Express but, despite finding the printer via Bonjour, we weren't able to actually print anything. You will be given the name, address and phone number of an Authorized Service Center, by contacting the Canon U.
Write a customer review. The more you buy, the more you save!
Hi-Touch has maintained its reputation for quality, still winning PMA shootouts even after all these years. Create selhy video and photo timelines. Click on the title for more information. Had one before which lasted some years. Professional Tips Professional Tips. Auto paper ejection on top of the paper cassette Print Modes: Customer Care representative free of charge during regular business hours currently Monday-Friday 9: Find The Perfect Printer.
Find the perfect all-in-one camera for you. Dye sub printing is actually continuous tone printing like real printsnot screened printing as on sekphy inkjet.
You have to set the image resolution and resize for a 4×6 print. See all 16 reviews.


We all love the look of glass, but it can chip, scratch and shatter! Non slip PVC fabric is as clear as glass, whilst also being light, pliable, and almost unbreakable! PVC is easy to clean and ideal for protecting surfaces from scratches and marks. Its non slip grip helps to stop items from sliding, and it is available in a range of colours. Self-extinguishing PVC is suitable for a variety of applications in both the domestic or commercial environment. PVC Fabric is also food quality, making it ideal for food preparation and serving areas, protecting against hot cups and plates up to a max of 65°C. Easily cut with a craft knife or scissors, it can be shaped to fit specific areas. This fabric meets EEC Food Standards and RoHs / REACH Euro Regulations.It is Cadmium and Phenol free. Oh, and it's recyclable!


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This news story originally appeared at 24Fashion TV Feed on 29 September 2021
APUJAN Presented SS22 Collection "IN THE MAZE OF NOISES" for London Fashion Week – 2021
In keeping with the accelerated digitalization of this pandemic era, the APUJAN Spring/Summer 2022 collection was presented at London Fashion Week in the digital form, with the theme In the Maze of Noises showcased with the British Fashion Council on Friday, 17th September at 1pm (UK Time).
Produced in the hometown of the brand, the Spring-Summer 2022 digital show was directed by the acclaimed film director Hsiao Ya-chuan, and the special performance of the well-known Asia actresses LIN YU HSI (Allison Lin), CHIEN TING JUI (Dewi Chien), and the most well-known chess player in Taiwan, Joanne Missingham.
Previous: Vegan Fashion Week Returns to Los Angeles in October
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During research for past HAPS workshops, I was struck by a shift in attitudes toward and uses for dissection in Europe. It was not always a practice banned by the church and practiced in secret as is often thought. There was a complex combination of factors that left medical men who conducted dissections in a constantly fluctuating position in the eyes of the public, as the use of the female body ranged from a righteous religious exploration to sexually charged education.
The context of female dissection in particular has morphed through the centuries – in the Middle Ages the bodies of religious women were dissected to provide evidence of their holiness, and into the Renaissance patrician mothers would be dissected to provide familial medical information. Dissections were conducted to gain information about women who had value to their communities and families. During the 16th century, dissection became more associated with shame as the bodies of executed criminals were granted to medical men and made into public exhibitions.
As society came to view dissection as a punishment worse than execution itself, the public dissection of women became particularly horrifying. While fear of these punishments was intended to deter criminals, increased association of dissection with negative acts dovetailed with growing religious and social sentiments valuing the burial of a complete body. Condemned female criminals were rare compared to their male counterparts, partially due to a social bias against executing women. Legal avenues of witnessing the dissection of a female body were scarce.
Anatomical Wax of a female from La Specola in Italy.
Social mores also prevented most living women from being physically examined in detail, and training new medical men was difficult with a lack of female bodies, living or dead. This led to great creativity in generating alternatives. The 18th century produced a flurry of wax anatomical models, which allowed detailed portrayals of anatomy that could have been helpful in learning the minutiae of the body. The teaching value of these was only as good as the artist involved, however, and these models tended to be posed in ways that did not contribute specifically to their educational worth.
During the same time, midwifery manuals and anatomical atlases focusing on women were produced with illustrations of reproductive organs combining internal and external perspectives. One 19th century book included paper dolls with articulated joints that could be moved through a pop-up book-like model of the pelvic girdle just to make things a bit more interactive. As three dimensional models became more complex, gynecological models became particularly popular in the 19th century. They were supposed to allow the simulation of birth, and often came often with a matching fabric baby to manually pull through the birth canal.
And while some of the solutions developed to cope with the unavailability of female cadavers may seem odd today, they give us a wonderful window onto the social tug-of-war that occurred between decorum and the urge to know more about the female body!
Danielle Hanson teaches Human Anatomy and Physical Anthropology at several Indiana schools, and has a long held interest in the history of both fields. She has an MS in Anatomy Education, and is a Ph.D. Candidate in Physical Anthropology at Indiana University.
Who is Eduard Pernkopf and why should we care?
Eduard Pernkopf was a Nazi. That is the short of it. He also created an anatomical atlas that has become a notorious source of ethical debate since at least the 1990s.
So, who was Eduard Pernkopf?
Pernkopf was an Austrian medical doctor. During World War 1, he served as a military physician for Austria. After the war, he returned to the University of Vienna and became an Anatomy Instructor for the medical school. By 1928 he was a full professor and by 1933 he was the director of the anatomical institute. Also in 1933, Pernkopf pledged his allegiance to the Nazi party, later becoming a member of the Sturmabteilung, Hitler's pre-war Stormtroopers.
In 1933, he also started work on his anatomical atlases. Four artists rendered watercolor portraits of his dissections, Pernkopf set out to create the most realistic representations of cadaveric dissections ever available with the caveat that the color be as realistic as possible. Two volumes ended up being published, one in 1937 and one in 1941. By 1941, all four of the artists joined active military or paramilitary service for Germany.
So, why is this atlas so controversial?
In 1938, Pernkopf became Dean of the medical college at the University of Vienna. He immediately expelled all non-Aryan professors; at Vienna, that meant over 75% of the faculty, several of whom would end up dying in concentration camps across occupied German territory. As Dean, Pernkopf enacted a strict racial hygiene approach to medicine. Across occupied Germany, medical schools were teaching that there were inferior anatomical characteristics of non-Aryans like Jews, Gypsies, Romani, and Poles, and homosexuals.
As a footnote to history, no one was forcing these scientists to go along with ideas like racial hygiene. In fact, it seems like the scientists were the driving force behind these ideas. Spurred on by eugenicists in the U.S., Nazi scientists were pushing hard for eugenics in Germany. This lead to forced sterilization, anti-miscegenation and anti-immigrant laws, and euthanasia. These were the three basic prongs of the Nazi Volksgesundheit, or Public Health. By 1934, forced sterilization turned to euthanasia of people deemed mentally feeble. Early euthanasia programs turned to Holocaust as Germans placed non-Aryans in concentration, work, and prison camps.
As you can imagine, a lot of dead bodies meant a steady supply of cadavers for teaching and research at the 31 German or German occupied medical schools in Europe. There is evidence that while Pernkopf was dean, the University of Vienna medical school accepted 1,377 executed prisoners. It was customary that the medical schools would have embalming centers at the execution sites so that cadaveric materials could stay as fresh as possible.
There is questionable imagery within the atlases; images of emaciated cadavers in poor condition. There is also Nazi imagery in the signatures of the artists.
So, we have a bunch of Nazis who were very racist and who used very questionable sources for dissection to make their controversial anatomical atlas.
But, Vienna was bombed by allied forces in 1945. The university sustained heavy damage and the records containing the information about where the bodies used for the atlas came from were destroyed.
Did he use executed prisoners or not? And what should we do about the book?
Come find out and discuss the answers to these questions at the workshop Pernkopf, NAZIs, and MVCC at the 2018 HAPS Conference in Columbus.
This post was written by Aaron Fried, Assistant Professor of Anatomy and Physiology at Mohawk Valley Community College. Thanks to my colleagues and willing editors: Shannon Crocker, Eileen Bush, Don Kelly, Bill Perrotti, Emeritis, and the late Sam Drogo.


Students will learn latest methods and technologies for Web data acquisition, analysis and utilization of the discovered knowledge. Students will gain an overview of Web mining techniques for Web crawling and search, Web structure analysis, Web usage analysis, Web content mining and information extraction. Students will also gain an overview of most recent developments in the field of social web and recommendation systems.
Modern applications require a certain level of flexibility with respect to changes that may occur in requirements on applications. From this reason, there are new types of application architectures with services exposing application functionality that allow to configure application processes. Another important requirement is to provide scalable, secure, and reliable infrastructures for applications. This module provides information about concepts, architectures, and technologies for the development of such applications.
Web 2.0 defines new models for information sharing, interoperability and creation based on collaborative approaches. Web 2.0 defines new models for human-computer interactions and new ways how information on the Web can be used and processed in new value-added applications. The module will provide a fundamental basis for everyone who wants to design and implement modern Web applications based on new paradigms and state-of-the-art Web technologies.
The course is an introduction into basics of algorithmic problem solving using the Java language. Its core are data, their types, expressions, statements (exemplified by those at Java programming language), basics of programming techniques and data abstractions. The course does not involve topics concerning hardware, telecommunications or other programming languages or assemblers.
The course moves along the understanding of programming skills from Programming 1, the aim is to design an interactive application with a graphic user interface (GUI), with knowledge of polymorphism abstract classes, interfaces, events handling, applets, user libraries, library practical application. Further students continue by the comparative way in getting acquainted in C language on the base of Java language, dynamic memory management, students are able to analyze the simple programs in C language.


text:
Бардо () је град и средиште истоимене општине у Пољској. Налази се у доњошлеском војводству.

Општи подаци
 Површина: 4,6 -{km}-² ;
 Број становника: 2.900 (31.12. 2003)
 Поштански код: 57-256
 Телефонски код: 0-74

У граду је развијена индустрија папира и намештаја.

Историја

Град је настао у X веку као одбрамбено утврђење. Око 1290. године Бардо губи свој стратегијски значај.
Статус града добија почетком XIV века. Године 1874. саграђена је железничка пруга Вроцлав - Клодско. Услед разарања у Другом светском рату Бардо губи статус града који му је враћен 1969. године.

Знаменитости
 Барокна црква из XVII века
 камени мост из XV века.

Демографија

Саобраћај

Кроз град пролази регионални пут број 8.

Спољашње везе

Градови у Пољској
Википројект географија/Насеља у Пољској

redpajama_set_name: RedPajamaWikipedia


Thank you so much for sharing such a heart-felt message. I am an acupuncturist and herbalist so many couples approach me to assist naturally with their fertility, so your insight has helped me to develop my sensitivity in dealing with something I see day in and day out.
I am glad you found this post to be helpful.
Our oldest is adopted but our 2 youngest came to us by way of an anonymous egg donor. Yes, we are very blessed and happy.
Thank you and best of luck to all of your clients!
Finally someone who does understand the heartache and knows how to articulate the does and don't. So many well meaning friends of mine, have said the wrong thing over and over. I don't even talk to friends about it anymore. Finally, after many years, my family learned to just say I am so sorry for your loss and pain. Thank you for this article.
I am glad that your family was able to support you in the way that you needed and appreciated. It's such a slippery slope for everyone involved. Like you said, your friends were well meaning. It's nearly impossible to communicate how dark and dreadful a person feels during those powerless and dreadful days.


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Sky and BT renew Premier League rights
Written by Andrew McDonald
14th February 2018 @ 12:57
Sky and BT have each renewed their Premier League rights, with Sky taking four and BT one of the live rights packages for a total of £4.46 billion (€5 billion).
Two of the seven packages for the three seasons from 2019 to 2022 are still available, with a move for rights by a new entrant like Amazon or Facebook yet to materialise.
Sky's deal means that it will show more matches than ever before. Its four packs of rights total 128 games a season, up from 126 matches currently.
Sky has secured every first-pick weekend match, plus Saturday evening fixtures for the first time and will pay £1.19 billion per year for the new rights – down by £199 million per annum compared to its current agreement.
BT will continue to show games at 5.30pm on Saturdays next season and then move to Saturday lunchtime fixtures from August 2019.
In total BT will show 32 Saturday games per season, down from 42 currently, and will pay £295m per season, down from the £320m it agreed last time.
"As IHS Markit expected, competition from the big tech firms for the main season-long packages failed to materialise," said IHS Markit research director, Ted Hall.
"Their enthusiasm for the two remaining packages, which were designed to appeal to streaming players, is apparently not as high as the Premier League had hoped, with the reserve prices reportedly not met."
The two remaining Premier League rights packages cover: all 20 matches from one Bank Holiday and one mid-week fixture programme; and all 20 matches from two midweek fixture programmes.
"As we predicted, there was only one likely scenario, the status quo. And this is a huge sigh of relief for both BT Sports and Sky Sports," said Paolo Pescatore, vice president, multiplay and media, CCS Insight.
"Despite more games being available, the Premier League has failed to maximise its prized asset. This suggests that there is clearly a ceiling that consumers are willing to pay for watching Premier League games and subsequently what providers' are willing to bid for."
Stephen van Rooyen, Sky's UK Chief Executive, said: "Not only do we remain the home of Premier League football but also the home of top quality drama, entertainment, comedy and other sports. Our disciplined approach means we continue to have the flexibility to invest in each of these areas as we choose, underlining our position as Europe's largest investor in content."
Marc Allera, chief executive of BT's Consumer division, said: "The Premier League is a big part of our live sport line-up, which includes the UEFA Champions League and UEFA Europa League, the Emirates FA Cup, MotoGP, boxing, Aviva Premiership rugby and European Rugby Champions Cup."
Premier League executive chairman Richard Scudamore said: "We are extremely pleased that BT and Sky continue to view the Premier League and our clubs as such an important part of their offering."
"To have achieved this investment with two packages of live rights remaining to sell is an outcome that is testament to the excellent football competition delivered by the clubs."
Tags: BT, football, Premier League, Sky
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And finally I am going to share with you my turkey recipe! I am going to walk you through each step so you will know exactly how it's done.
These cheesy chicken fingers are so good that I actually had 2 on the plate for the photo! Turned my back for one second and… yup, it was gone!
To celebrate October aka Non-GMO month Emile Noel is celebrating with a giveaway! But before we get to that let me tell you about this delicious olive oil. Emile Noel oils have been Non-GMO since 1920 when founded by Emile Noel and have recently expanded to the U.S.
You will have to excuse the directions in this post. I have sat here for about 2 hours trying to write this and it seems my brain is just not working with me today. Really, it's just lasagna, it's pretty self explanatory. If you have any questions before making the dish please feel free to contact me and I will get back to you as soon as possible!
If you are looking for a fun pasta to take on a picnic you will have to try my tangy super hero pasta!


What is possible would never have been achieved if, in this world, people had not repeatedly reached for the impossible.
Human Growth Hormone also named hgh is a naturally occurring substance in the human body which is secreted by the pituitary, the master gland of the body located in the endocrine system.
A common mistake that people make when trying to design something completely foolproof was to underestimate the ingenuity of complete fools.
Christianity taught that men ought to be as chaste as pagans thought honest women ought to be. The contraceptive morality teaches that women need to be as little chaste as pagans thought men need be.
The chief merit of language is clearness, and we know that nothing detracts so much from this as do unfamiliar terms.
Great blog you have here. Thanks!
The history of the world is none other than the progress of the consciousness of spirit.
The difference between man and woman is like that between animals and plants. Men correspond to animals, while women correspond to plants because their development is more placid and the principle that underlies it is the rather vague unity of feeling.
All the choir of heaven and furniture of earth - in a word, all those bodies which compose the mighty frame of the world - have not any subsistence without a mind.
How good one feels when one is full - how satisfied with ourselves and with the world! People who have tried it, tell me that a clear conscience makes you very happy and contented. But a full stomach does the business quite as well, and is cheaper, and more easily obtained. One feels so forgiving and generous after a substantial and well-digested meal - so noble-minded, so kindly-hearted.
The illustrious bishop of Cambrai was of more worth than his chambermaid, and there are few of us that would hesitate to pronounce, if his palace were in flames, and the life of only one of them could be preserved, which of the two ought to be preferred.
The characteristic of the hour is that the commonplace mind, knowing itself to be commonplace, has the assurance to proclaim the rights of the commonplace and to impose them wherever it will.
The advice to limit our concerns might go along with the happy belief in an invisible hand or mechanism by which a number of independent agents, each acting on their own narrow concerns, in fact maximize the social good. This mechanism is the great buttress to free markets and laissez-faire capitalism. Unfortunately, there are situations in which instead of an invisible hand there is an invisible boot, ensuring that the same agents do worse than they would under a more generous regime of concern for each other.
The action is best, which procures the greatest happiness for the greatest numbers.
I, who used to have such patience with my own species, and who for so long saw everything through rose-coloured spectacles, now see only darkness. I used to judge others by myself. I have made great progress in schooling my own character. I have sown my volcanoes with grass and flowers, and they were getting on well.
At the same time computers were gaining acceptance as intimate machines, psychotherapy was being conceptualized as less intimate as a cooler, more cognitive, and more scientific technique. These days, people seem increasingly ready to view psychotherapy in terms of rules and information and the dispensing of drugs, the sort of things a computer might know something about, rather than as a deep, even eroticized relationship with a therapist, the sort of thing a computer would know nothing about.
How good one feels when one is full, how satisfied with ourselves and with the world! People who have tried it, tell me that a clear conscience makes you very happy and contented. But a full stomach does the business quite as well, and is cheaper, and more easily obtained. One feels so forgiving and generous after a substantial and well digested meal so noble-minded, so kindly hearted.
Writing that springs from the surface of existence when there is no other way and the deeper wells have dried up is nothing, and collapses the moment a truer emotion makes that surface shake. That is why one can never be alone enough when one writes, why there can never be enough silence around one when one writes, why even night is not night enough.
But we must also allow, that some part of the seeming harmony in morals may be accounted for from the very nature of language. The word virtue, with its equivalent in every tongue, implies praise, as that of vice does blame, and no one, without the most obvious and grossest impropriety, could affix reproach to a term, which in general acceptation is understood in a good sense, or bestow applause, where the idiom requires disapprobation.
If the question is asked, what are the most intelligent and all round capable things on earth, the answer is obvious: human beings. Everyone knows this, except certain religious people. A person is certainly a believer in some religion if he thinks, for example, that there are on earth millions of invisible and immortal nonhuman beings which are far more intelligent and capable than we are. But that is exactly what sociobiologists do think, about genes. Sociobiology, then, is a religion: one which has genes as its gods.
In the English speaking world the great majority of books that have been published in philosophy in the twentieth century are like academic paintings: they show unmistakable talent and are professionally competent, the result of long processes of learning, application and work, everything in them is accurate, in its right place, and as it should be, but it makes not the slightest difference whether they exist or not.
The propositions of mathematics are devoid of all factual content. They convey no information whatever on any empirical subject matter.
A great novelist is essentially tolerant, that is, displays a real apprehension of persons other than the author as having a right to exist and to have a separate mode of being which is important and interesting to themselves.
The brain therefore you speak of, being a sensible thing, exists only in the mind.
As someone who has done a good deal of marching and public speaking about Vietnam, Chile, South Africa, Palestine and East Timor in his time and would do it all again, I can only hint at how much I despise a Left that thinks of Osama bin Laden as a slightly misguided anti imperialist. He actually says he wants to restore the old imperial caliphate and has condemned the Australian led international rescue of East Timor as a Christian plot against Muslim Indonesia. Or a Left that can think of Milosevic and Saddam as victims.
For as to the dispersing of Books, that Circumstance does perhaps as much harm as good. Since Nonsense flies with greater Celerity, and makes greater Impression than Reason, though indeed no particular species of Nonsense is so durable. But the several Forms of Nonsense never cease succeeding one another, and Men are always under the Dominion of some one or other, though nothing was ever equal in Absurdity and Wickedness to our present Patriotism.
How good one feels when one is full how satisfied with ourselves and with the world. People who have tried it, tell me that a clear conscience makes you very happy and contented, but a full stomach does the business quite as well, and is cheaper, and more easily obtained. One feels so forgiving and generous after a substantial and well digested meal so noble minded, so kindly-hearted.
Illness is the night side of life, a more onerous citizenship. Everyone who is born holds dual citizenship, in the kingdom of the well and in the kingdom of the sick. Although we all prefer to use only the good passport, sooner or later each of us is obliged, at least for a spell, to identify ourselves as citizens of that other place.
I was not even satisfied with the usual debauchery, because the only thing it dirties is debauchery itself, while, in some way or other, anything sublime and perfectly pure is left intact by it. My kind of debauchery soils not only my body and my thoughts, but also anything I may conceive in its course, that is to say, the vast starry universe, which merely serves as a backdrop.
There are two sorts of laws, those of absolute equity and universality, and the bizarre ones which owe their autonomy only to blindness or to the force of circumstance. The latter merely cover the man who is breaking them with a passing disgrace, which time then transfers to the judges and the nations, on whom it remains forever.
Memes now spread around the world at the speed of light, and replicate at rates that make even fruit flies and yeast cells look glacial in comparison. They leap promiscuously from vehicle to vehicle, and from medium to medium, and are proving to be virtually unquarantinable.
Every possible idea therefore may be said to be used existentially, for every possible idea qualifies and is true of a real world. And the number of real worlds, in a word, is indefinite. Every idea therefore in a sense is true, and is true of reality. The question with every idea is how far and in what sense is it true. The question is always whether, qualifying reality in one sense, the idea qualifies reality in another sense also. For, true in one world, an idea may be false in another world.
The propositions of mathematics have, therefore, the same unquestionable certainty which is typical of such propositions as. All bachelors are unmarried but they also share the complete lack of empirical content which is associated with that certainty. The propositions of mathematics are devoid of all factual content, they convey no information whatever on any empirical subject matter.
way or other, anything sublime and perfectly pure is left intact by it. My kind of debauchery soils not only my body and my thoughts, but also anything I may conceive in its course, that is to say, the vast starry universe, which merely serves as a backdrop.
Many mental processes admit of being roughly measured. For instance, the degree to which people are bored, by counting the number of their fidgets.These observations should be confined to persons of middle age. Children are rarely still, while elderly philosophers will sometimes remain rigid for minutes altogether.
The most ordinary things are to philosophy a source of insoluble puzzles. With infinite ingenuity it constructs a concept of space or time and then finds it absolutely impossible that there be objects in this space or that processes occur during this time, the source of this kind of logic lies in excessive confidence in the so called laws of thought.
The essential fact which emerges is that the three smallest and most active reservoirs, of carbon in the global carbon cycle, the atmosphere, the plants and the soil, are all of roughly the same size. This means that large human disturbance of any one of these reservoirs will have large effects on all three. We cannot hope either to understand or to manage the carbon in the atmosphere unless we understand and manage the trees and the soil too.
For it is esteemed a kind of dishonour unto learning to descend to inquiry or meditation upon matters mechanical, except they be such as may be thought secrets, rarities, and special subtilities, which humour of vain supercilious arrogancy is justly derided in Plato. But the truth is, they be not the highest instances that give the securest nformation, as may well be expressed in the tale of the philosopher, that while he gazed upwards to the stars fell into the water, for if he had looked down he might have seen the stars in the water, but looking aloft he could not see the water in the stars.
Some of my cousins who had the great advantage of University education used to tease me with arguments to prove that nothing has any existence except what we think of it.These amusing mental acrobatics are all right to play with.They are perfectly harmless and perfectly useless.I always rested on the following argument We look up to the sky and see the sun. Our eyes are dazzled and our senses record the fact. So here is this great sun standing apparently on no better foundation than our physical sense.


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Book Banners Finding Power in Numbers
Efforts to ban books in schools have shifted subjects and tactics, with the efforts of single parents now being replaced by organizations.
Lewis Beale
On the website Parents Against Bad Books In Schools, some of the works deemed "sensitive, inappropriate and controversial" for K-12 students, even those who are college-bound or in advanced placement classes, include Cormac McCarthy's All the Pretty Horses, Richard Wright's Black Boy, Tim O'Brien's The Things They Carried and Gabriel Garcia Marquez's One Hundred Years of Solitude.
"Bad is not for us to determine," says the disclaimer on the site. "Bad is what you determine is bad." One of the purposes of PABBIS.org, the disclaimer goes on to say, is to "provide information related to bad books in schools."
Of course, "bad" is a relative term, and one person's obscenity is another person's Pulitzer or Nobel Prize winner. Yet websites like PABBIS.org and Safelibraries.org have become the vanguard for a recent increase in organized attempts to ban books from public libraries and school curricula.
"There are organized groups on the internet whose purpose is to remove books from libraries because they believe they may be inappropriate for children," says Deborah Caldwell-Stone of the Office for Intellectual Freedom of the American Library Association. "Traditionally, when books are challenged, it's usually a single parent. But we have found that groups are organizing around the principle that professional librarians don't have the expertise, that they're pushing porn on our kids."
"Groups of parents are getting together and organizing in their communities to ban books," adds Joan Bertin of the National Coalition Against Censorship. "I think what's happening is once a book is challenged in one town, people on the same wavelength, it will flag that book for them. For example, we've seen three challenges to Sherman Alexie's teen novel The Absolutely True Diary of a Part-Time Indian, all within the past three months, two in Missouri, one in Montana."
Some other recent incidents:
• Self-identified members of the 9.12 Project, a conservative watchdog group launched by Glenn Beck, succeeded in removing Revolutionary Voices: A Multicultural Queer Youth Anthology from a high school library in Burlington County, N.J., a Philadelphia suburb.
• A fight over library books featuring sex and homosexuality inflamed the town of West Bend, Wis., north of Milwaukee, and led four men to threaten to publicly burn Baby Be-Bop, a novel about a gay teenager.
• In Hillsborough County, Fla., which includes Tampa, parents objected to the inclusion of Augusten Burroughs' memoir Running With Scissors on the suggested reading list of an English AP course. Out of nine high schools, two banned the book outright, and the other seven either required parental consent to read it or placed a "Mature Reader" label on the front cover.
"Books written for an adult audience are not frequently challenged," says the ALA's Caldwell-Stone. "The vast majority that are challenged are written for young people or provided to young people as part of an AP class. [Grounds include] profanity, sexually explicit, simply talking about having sex, or homosexuality. Books have been challenged simply because they had a homosexual character, and there was no sex in them. Unsuited to age group is a big complaint."
"We have always seen a lot of challenges around sex," Bertin adds. "Of course, gay and lesbian sex is even a hotter topic. Teenage sex is a big thing. And the sex issue ties in with religion, which goes by the code name of family values — these are not the values we want to teach our children, we don't want them to know about casual sexual activity."
This is not to say that some of the most challenged perennials — Huckleberry Finn (long a favorite target of the left, which might be placated by a little Bowdlerization ...), Beloved, the Harry Potter books — aren't still fighting off the censors.
But there has been a sea change in what kinds of books are being attacked, and the ways in which those challenges are handled. Whereas a decade ago, evangelicals seemed to concentrate on removing books about witchcraft and secular humanism from libraries, now the emphasis is definitely on sex, particularly of the homosexual variety. (Although there are always outliers, like Bowlderizing The Cartoons That Shook the Worldbecause of panels showing the Prophet Mohammed, or keeping minors from seeing Barbara Ehrenreich's book on the working poor, Nickel and Dimed, off the shelves because of anti-Christian themes) And the book banners seem to be concentrating on award-winning literature taught in advanced high school classes.
"The fact people say AP high school students shouldn't be reading Beloved, or Bookseller of Kabul, what I fear this indicates is that these are people who believe no one should be reading these books," Bertin says. "In their view, these books are the product of a corrupt and immoral society, and they don't want to have anything to do with it."
There is, of course, a fine line being danced around here. What's appropriate for one student might not be for another of the same age. Librarians, teachers and parents can help make these determinations, but, Caldwell-Stone says, "it shouldn't be one parent deciding what's appropriate for every 12-year-old. This is a pluralistic society, not everyone shares the same values, and publicly funded schools and libraries have to serve the public."
Caldwell-Stone says about 25 percent of all challenges are successful, and that challenges often occur without being mentioned in the press because many librarians are afraid of losing their jobs and hesitate to report what's happening.
The number of known challenges has remained relatively constant. The ALA says they've had as many as 700 in a given year, and as few as 380. The numbers generally come out in the 400-500 range (there were 460 challenges in 2009, the latest year for which figures are available). So the problem is not that there's a major uptick in complaints, it's that the challengers are starting to organize.
In that sense, they've taken a page from the opposition — the annual Banned Books Week was first organized in 1982 to highlight the issue, and it's currently sponsored by organizations like the American Library Association, the American Booksellers Association, the American Booksellers Foundation for Free Expression, the Association of American Publishers, the American Society of Journalists and Authors and the National Association of College Stores.
"We never have a problem with people who don't want their own kid to read a book," Bertin says. "We have a problem with people who feel these books are corrosive to the culture, and they don't want them taught in schools. They think it's immoral and offends their religious values, whether they're Jewish, Christian or Muslim."
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Lewis Beale is a former entertainment writer for the New York Daily News.


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Local Perspectives: Real-Time Realities Across Asia-Pacific in 2019
Categories Bill Pay (58) eCommerce (61) Immediate Payments (69) Merchant Retail (78) Payments and Industry Trends (180) Payments Risk Management (130) Retail Payments (202) Transaction Banking (122)
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Posted by Rachel Hunt to Immediate Payments, Payments and Industry Trends
Money20/20 Asia returns to Singapore this week, attracting payments professionals from around the vast APAC region – and beyond. The real-time and open imperative is one of the reasons why all eyes are on Asia-Pacific when it comes to payments, so I caught up with ACI payments experts representing three of the key countries within the region, to take the pulse of real-time schemes that are in varying stages of maturity.
Banks in the region are looking beyond simple implementation of real-time payments and adherence to national regulatory requirements; they are focusing increasing investment on payments modernization, with real-time capabilities serving as a foundational cornerstone of broader digital transformation.
However, the picture across APAC is varied. While some countries, such as Singapore, are building out services based on real-time infrastructure that is now five years old, others such as Malaysia have just started on the real-time journey.
Mark Looi, Director – ASEAN
FAST (Fast and Secure Transfers), launched in March 2014, is the foundation for Singapore's national real-time payments scheme; it ensures a strong regulatory framework to provide a secure and safe payments environment.
The initial launch of FAST enabled immediate payments between different participating banks, before the introduction of PayNow in 2017 brought real-time payments to consumers with peer-to-peer funds transfer based on mobile numbers. In 2018, PayNow Corporate further expanded the reach of real-time payments, with payments between consumers and businesses.
The emergence of SGQR (a standardized QR code that relies on the FAST infrastructure) will add further impetus to real-time payments, as the unified QR code scheme aims to address the fragmented (27 at last count) e-payment schemes in Singapore.
Singapore's real-time payments infrastructure has reached a more mature stage than other schemes in the region – some of which are very much in their infancy – but this maturity stage can be a hindrance as well as a help. Limited governance and ownership of the infrastructure contributes to a lack of interoperability, inconsistent user experience, and therefore limited adoption of electronic and innovative payments.
Action by the Singapore government, in the form the Direct FAST industry working group, should help to address some of the shortcomings by developing business and technical requirements for non-banks to connect directly to FAST. Open accessibility will open doors to fintechs to adopt scan-and-pay services and bring greater e-wallet convenience to consumers.
In terms of reducing reliance upon cash, the introduction of PayNow – based on mobile phone or identity card numbers – was a major step forward. However, consumer behaviors are more deeply entrenched, and for this reason there are still limits on adoption of digital payments. While I predict that real-time payments will continue to make progress in Singapore in 2019 – especially with SGQR as a driver – greater merchant adoption is needed for the country to take bigger steps forward in its cashless journey. In a country where the regulator (Monetary Authority of Singapore) plays a critical role, Singapore is well placed to take these steps.
Chee Cheng Ong, Director – Solution Consulting
PayNet (Payments Network Malaysia Sdn Bhd) is Malaysia's national payments network and central infrastructure provider, responsible for successfully launching the country's Real-Time Retail Payments Platform (RPP) just a few months ago. The first service offered to the public under the platform is DuitNow, an instant credit transfer with a national addressing database that links mobile numbers and national ID numbers to account numbers.
Since the launch of RPP and DuitNow, it has notched up a number of impressive achievements. PayNet has connected 30 participating banks in Malaysia, accounting for over 95 percent of the bank account market share, and compliance with messaging format ISO20022 will set the scene for future payment services including cross-border payments. The development of an addressing service enabled the launch of a central national database (retail account holders, associated mobile numbers national ID) and facilitated immediate peer-to-peer payments via DuitNow.
Transaction volumes are currently growing 50 percent month-on-month, reflecting the success of consumer awareness campaigns and a focus on e-payments to ensure that financial inclusion is addressed by the new national scheme.
In terms of maturity, Malaysia has begun its real-time payments journey, but it benefits from the implementation experience that other countries have gone through, including neighbors in the region, e.g., Singapore, Thailand, Hong Kong. Notably, connection to the PayNet CI Hub requires a standard CI connector and ISO20022 messaging – a model that should help ensure a cohesive ecosystem, enabling the adoption of future updates in a seamless manner. And this should mean that financial institutions can focus on services for end users. Additionally, this reduces the risk of unknown integration issues, which might occur if an organization connects to the central infrastructure via another pathway.
Furthermore, the organizations participating in Malaysia's RPP receive a cohesive solution that services a community of banking customers. This offers a concentrated focus and economies of scale for providing a superior operating environment, as well as a working group that shares best practices and ideas for innovation going forward.
Geoff Tunbridge, Strategic Solution Consultant Director
While Australia's New Payments Platform (NPPA) may have been around for longer than Malaysia's real-time payments scheme, it's still a relative newbie – having just reached its first birthday. NPP now connects 75 banks, credit unions and building societies via 13 direct participants, enabling NPP payments to reach more than 50 million accounts (in a country with a population around 25 million). This reach has helped transaction growth climb steadily in the first 12 months, with more than AUD $75 billion in transactions made via the platform thus far.
One challenge the new scheme has faced is that Australian payments were already highly digitized before NPP, with contactless card payments surpassing 90 percent and consumers accustomed to making payments from mobile and internet platforms whenever they choose. Against this backdrop, it has been harder for users to discern when payments are being made via New Payments Platform rails.
However, increased brand awareness and new overlay services are likely to drive further transaction growth through 2019, with NPP planning to support additional pathways to using the scheme and increasing engagement with the local fintech market.
The next phase of the rollout will address payroll and tax payments, while the country also makes progress towards the launch of open banking in 2019. NPPA is supporting this initiative with the release of an API framework and sandbox in late 2018. It will also be critical for banks and financial institutions to scale processes and systems to deal with different profiles of customer interaction and risk, especially as usage – and the range of use cases – continues to grow.
Find out more about how ACI works with financial institutions and central infrastructures to deliver real-time payments capabilities in some of the world's fastest growing and most dynamic markets. Meet with our team at Money20/20 Asia in Singapore, March 19-21.
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How Italian Banks and Processors Can Capitalize on Digital Transformation
The European payments landscape is in an era of significant change thanks to PSD2 and other macro factors, but there is more than one way to deliver real-time and open payments to meet PSD2 requirements and its technical standards. Banks and processors must manage this alongside their own set of domestic challenges and opportunities.
SWIFT gpi: Leveraging Cross-Border Payments for the Real-Time World
SWIFT gpi represents the evolution of business done over the SWIFT network, bringing correspondent banking into the digital era.
I've covered this topic before, but with gpi now reaching the two-year milestone, it's a good chance to reassess the progress that has been made – and what is needed to drive further adoption.
Instant Payments in Italy – And Beyond: Lessons from Il Salone dei Pagamenti
ACI was invited back to Il Salone dei Pagamenti – Italy's premier payments event organized by the Italian Banking Association (ABI) – to participate in a panel, "SEPA Inst – the Future." As expected, the session was packed with stats and advice for a more efficient roll out of instant payments – in Italy and beyond.
Dedicated Followers of Fintech: Why Transaction Banking Never Goes Out of Fashion
Taking part in a panel at a recent corporate treasury conference, I was introduced as a 'consumer payments expert' – not an obvious qualification for sharing stage-time with serious corporate liquidity and cash management folk, but as the talk track was on mobile wallets and Open Banking, I had some reasonably safe and relevant content on which to fall back.
Sibos Preview: The Five Trends Transforming Real-Time Payments
Real-time is now a reality, with more than 30 schemes live around the world. And real-time is in the spotlight as banks and financial service providers make their way to Sydney for Sibos 2018. What better time to look ahead at the key trends that are going to shape the ongoing development of real-time payments.
API Management: The Reason Digital Open Banking Can Fly
When it comes to thinking about the different roles that an API Manager can play for an organization, I personally think that an airport provides the perfect analogy. The customer is the passenger, the third-party organizations using a bank's APIs are the airlines and the airport itself is the bank. I also think this analogy helps to visualize the variety of API management capabilities – including the role of an API gateway.
Can Corporate Banking be as Easy as Ordering Pizza?
ACI recently hosted Greenwich Associates on a webinar to discuss corporate banking. While not a topic that would usually make attendees salivate, the discussion turned toward ordering pizza (maybe, because it was close to lunchtime) and Greenwich highlighted how corporate banking should be as easy as ordering pizza.
Modernizing Cross-Border Transfers with SWIFT gpi
The customer experience for domestic payments – retail and corporate – has recently undergone a complete transformation. There's still plenty more that could be achieved, but the advent of real-time payments in combination with open APIs has seen the launch of Request for Payment services and direct eCommerce instant payments in the UK and Europe. And it's not just the PSD2 push in Europe that's driving change – in the U.S., Zelle is moving beyond standalone P2P payments to become an integrated part of the retail banking app experience, as well as being included in new kinds of corporate disbursements.
Instant + Open Payments = A Winning Combination
I recently joined a panel discussion at EBAday 2018, alongside representatives from across the payments ecosystem, and the clear consensus was that real-time payments will be the new normal. This was evidenced by some of the interactive polls carried out.
Maintain Vs. Invest: What the Digital Era Ushers in for Banks
Taking place this week in Brussels, the European Credit Research Institute (ECRI) will host a high-level debate on how policymakers can build on the process of digitalisation of banks to raise competitiveness in light of increased competition from fintech start-ups and tech giants.


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Submitted by Simon Rosenberg on 3/31/21
Countering Russian Insurgency
Over the past decade, a major new threat to the Western liberal democratic order has come to the forefront of our politics - the rise of far-right illiberalism. Openly supported and aided by the Putin regime in Russia, illiberal political leaders including Trump in the US, Farage and the pro-Brexit movement in the UK, Matteo Salvini in Italy, and Viktor Orban in Hungary have gained significant political power, and have begun to erode democratic norms and institutions.
NDN has written extensively about the need for all political organizations and parties to more forcefully challenge this rising illiberalism. Some of this work is below, and you can find more related thinking in our Protecting our Elections and Disinformation programmatic area.
Biden, A New Day
Memo: After Texas Roe decision, Dems must lean into GOP radicalization - 9/2/21 - The Supreme Court's Texas Roe decision is so shocking and crazy that Democrats have no choice now to make the dangerous radicalization of the GOP central to the conversation they are having with the American people.
Memo: Some Thoughts on The Path Forward - 6/28/21 - In a new essay, Simon offers some thoughts on the path forward for the center-left as we head into the July 4th holiday. Three priorities now - defeat COVID, keep creating jobs, defend democracy. Get infrastructure to the President's desk by August.
Video: NDN Talks w/Norm Ornstein About Defending Democracy, GOP Radicalization (6/22/21) - Come watch a compelling conversation about the threats our democracy faces today with the great Norm Ornstein.
Memo: A Summer To Do List for Democrats - Defeat COVID, Defend Democracy, Keep Creating Jobs - 6/9/21 - Democrats have important work to do this summer - defeat COVID, defend democracy and make sure the American people know the recovery has come about through Joe Biden's smart and effective economic plans.
Learning To Talk about Democracy, Patriotism and the GOP's Radicalization - 5/24/21 - It is time for the American center-left to recognize that defeating autocracy, perhaps the most intrinsically America project, begins this time here at home – and failure is not an option.
The GOP Chooses Autocracy Over Democracy - 5/12/21 - The ousting of Liz Cheney marks a dangerous moment in US politics - Republicans have now chosen to make MAGA, including its extremism and its denigration of democracy, it's political path forward.
Essay: Biden's Pragmatism, Republican Extremism - 5/3/21 - In the first 100 days we've learned that Joe Biden understands the challenges America faces, and has offered detailed, concrete plans for how to address them.
Republicans, on the other hand, aren't fighting America's problems - they are just fighting Democrats.
Analysis: Understanding Trump's Betrayal - 4/19/21 - Trump's political journey has been an ongoing, unpredecented betrayal of America's core mission - creating a sustainable democratic alternative to autocracy.
Video: NDN Talks w/Jessica Brandt About The Global Info War Over COVID Vaccines (4/6/21) - NDN was excited to host Jessica Brandt for a talk titled "Harnessing the Truth in Service of a Lie: Russia, China, and Iran's Information Strategies in the Vaccine Contest" - a deep dive into the early information battle over the major COVID vaccines.
Vaccines and The Great Liberal Project - 3/15/21 - A new era of American foreign policy begins this week with the the Blinken-Austin trip to Asia. Among the more interesting new issues arising in these early days is the contest over who will vaccinate the world and bring an end to COVID.
Video: NDN Talks w/Ari Berman About the War On Voting (2/23/21) - On Feb 23rd NDN hosted noted author Ari Berman for an indepth discussion about one of the most important issues of 2021 - the GOP's savage assault on voting in America. It was a great conversation - hope you will check it out.
Video: NDN Talks High Crimes w/Glenn Kirschner (2/16/21) - Come watch this terrific and timely conversation with NBC legal analyst, former prosecutor and just all around terrific guy Glenn Kirschner.
GOP Chooses Radicalism, Violence - 2/3/21 - The refusal of the Republican Party to definitively repudiate political violence has thrust American politics into a very dark and dangerous place.
Video: NDN Talks Strongmen w/Ruth Ben-Ghiat (2/2/21) - Check out terrific talk with Ruth Ben-Ghiat from February 2nd. She does a great job talking about Trump, the rise of the authoritarian right in the US, and what might come next. One of the best events NDN has done in a long time.
Biden's Call for Unity Met With Extremism - 1/25/21 - For anyone hoping the GOP would walk away from the radical, illiberal ways of the Trump era these last few weeks have been terribly disapointing.
Analysis: The Republicans Have An Off-Ramp - They Need to Take It - 1/13/21 - The choice for every Republican now is a binary one — drop the language of Trumpism, declare the election legitimate, tell the insurrections to stand down or become an insurrectionist, insurgent yourself.
Confronting The Rising Threat of Domestic Extremism - 1/8/21 - The Jan 6th attack on Congress will be seen as a huge win by extremists, and will make our work countering this rising threat far more challenging. Some thoughts on what we need to do now.
Build Back Better/Reconstruir Mejor - Joe Biden's Historic Opportunity - Simon Rosenberg, Letras Libres, 10/1/20 - In a new essay for the influential journal Letras Libres, Simon offer his thoughts about what Joe Biden, Kamala Harris and the Democrats should fight for if they prevail in the election this fall (English and Spanish).
The MAGA Era
Trump Is On An Electoral Crime Spree - Simon Rosenberg, Medium, 9/9/20 - The President has launched a breathtakingly broad effort to hold on to power through wide-scale cheating, treachery and illegal use of the US government to aide his campaign. Far more should be happening to make it stop.
In Salon Interview, Simon Talks About The Future of the Dems, Trump's Illiberalism - Chauncey DeVega, Salon, 8/24/20 - In an interview to mark the Democratic Convention, Simon sits down with Salon to discuss the future of the Democrats, the Biden-Harris ticket and Trump's dangerous illiberalism.
Congress, States, Cities Must Rise Up, Fight for the USPS – 8/13/20 - NDN is encouraging elected officials from across the country to rise up and help end the President's sabotage of the postal service.
Taking Trump's Ongoing Assault On Our Democracy Seriously - 8/10/20 - The President is on a political crime spree - breaking laws, cheating in the election, encouraging Russia to intervene on his behalf - again. We cannot let him get away with it - again.
The President's Illiberal Escalation in Portland Needs to End - Simon Rosenberg, NDN, 7/17/20 - US citzens being disapeared into unmarked vans is exactly the kind of illiberal act NDN has been warning was coming. It's not okay, and good people of both parties need to rise up and work together to prevent Trump from becoming an American Putin.
Facing the Dark Turn of Trump's Presidency - Simon Rosenberg, NDN, 7/6/20 - The nation has been subject to an extraordinary, relentless, and extended screed from the White House about the existential threat posed by the President's perceived domestic political opponents, much of it imagined and fictional. The performance of the President, the White House and its allies these past few weeks has been reprehensible and dangerous
The Coming Reckoning With Russia - Simon Rosenberg, NDN, 6/29/20- Someday, soon, America will have to look at and make sense of Russia's years of attacks on our interests, its penetration of our political system, its brazen manipulation of our President. It will be a very ugly but necessary process.
Crossing the Rubicon - Simon Rosenberg, NDN, 1/29/20 - The GOP's increasing acceptance of illiberalism and actions at odds with our democratic tradition to gain/maintain power has become the most important political story of our time.
To Defeat Illiberalism, Democrats Must Embrace Their Success As A Governing Party - Simon Rosenberg, NDN, 12/14/19 - Over the past 30 years, the Democratic Party has been the most successful center-left party in the developed world. It is time it started acting like it, and begin to far more purposefully lead the fight against rising illiberalism here and abroad.
Lavrov Comes To America For A Russian Victory Lap - Simon Rosenberg, GEN, 12/9/19 - In country after country over the past year the President has taken steps to align US foreign policy w/Russia's. It has been a dramatic, little understood development, and has left America a weakened power, Russia a rising one. Congress must step in.
Tariffs, Trump and Tyrants - Simon Rosenberg, NDN, 5/31/19 - More Mad King than President, Trump's refusal to honor the laws, rules, and norms which make democracies work is the greatest High Crime of all. His ill-considered, whimsical tariffs are just the latest example and should be forcefully challenged by Congress.
The End of Pax Americana?, Simon Rosenberg, US News & World Report, 1/26/17. Donald Trump is taking radical steps that is weakening the global order America imagined and built after World War II. Before he does more harm to our interests, Congress must force a big debate about his vision, and challenge him if necessary.
The Pernicious Politics of Oil Dec 16th, 2016. Petro-powers are challenging the global order, and the next president seems uninterested in stopping them.
The West Is On The Ballot, Simon Rosenberg, US News & World Report, 11/4/16. In the column, Simon argues that Trump isn't running just against Clinton, he's also running against what America has become and the world it has built.
Calling all Patriots, Simon Rosenberg, US News & World Report, 10/13/16. While in a reflective mood about the future, their nominee, and party, Simon suggest two other activities Republicans should swiftly denounce and distance themselves from.
Trump's Worrisome Embrace of Putin, Simon Rosenberg, NDN.org, 9/12/16. In this column, Simon does a deep dive on Trumpland's embrace of Russia's Putin, and why their admiration for his "strength" is a betrayal of our values.
The Liberal Order Needs an Upgrade - Simon Rosenberg, US News, 9/23/14. President Obama should breathe new life into the international order when he speaks before the U.N.
An Enduring Legacy: The Democratic Party and Free and Open Trade Jan 21, 2014 - The global system created by Presidents FDR and Truman has done more to create opportunity, reduce poverty and advance democracy than perhaps any other policies in history.
"Forward, or Backward?" - The Descent of the GOP Into A Reactionary Mess 10/25/12 - In a new magazine essay, Simon argues that the more the world moves away from the simplicity of the Reagan moment the more angry and defiant the Republican offering is becoming. In both Spanish and English.
Simon Rosenberg's blog


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