text:
info@selachii.com
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Hi, How Can We Help You?
AI in the context of the financial services sector has the potential to enhance and facilitate complex analytical and decision-making processes; it is for this reason that AI is very much seen as representing a vehicle for the next era of revolutionary change set to transform the financial services sector and society on a global scale.
AI can be relied upon to accomplish time-consuming tasks, improve efficiency of performance and provide previously unattainable insight into patterns, themes and trends that can be extracted from large volumes of data. AI is becoming an invaluable tool that is increasingly adding value to individual endeavours and businesses seeking to derive profit and financial gain from its speed and perception.
AI has already disrupted various markets and is used in subtle ways by millions of people on an everyday basis. At present, there is little legislation governing AI, but this is certainly set to change over the coming months and years as governments and legislators seek to match the pace of development and innovation in AI.
AI: current and future uses
Understanding the use and potential future use of AI is required to understand and prepare for the associated legal and ethical risks. The following list represents a drop in the ocean as to the potential AI has to change and improve everyday tasks and processes:
Data mining: the process of using algorithms to identify patterns or infer trends from large volumes of data
Internet of things: the integration of AI across all services, platforms, products, environments to create deeper levels of assimilation in turn allowing for greater efficiency and improved quality of life
Image processing and tagging: the use of facial recognition or visual scanning to establish identity for security or access purposes, or for the purpose of deriving other types of information, for example health related information
Autonomous operation of machinery: the use of automation through AI to improve efficiency by minimising the likelihood of human error and reduce operating costs in industries employing a large volume of people to operate machinery
Text and speech analysis: the process of using AI to extract or search for information in text-based data or in a spoken word file in an unparalleled time efficient manner
AI and FinTech
There are also numerous uses for AI in the financial services industry:
Security: cyber threats represent an area of increasing vulnerability and concern for the financial sector. More and more transactions occur online or through technology that can be vulnerable to interception and increasingly sophisticated hacking attempts. AI offers a means to enhance security in financial services by learning and responding more accurately and specifically to cyber threats, by analysing large volumes of data and identifying anomalies that might represent an attempt at unauthorised interception, fraudulent behaviour or theft, and by isolating areas of particular susceptibility in the existing security framework through which potential future attacks may be targeted.
Automation: although this a function AI performs across every sector and industry it touches, financial services is often an area associated with significant bureaucracy and administrative processes that as such could benefit from automated practices. AI could streamline the way in which financial services companies generate expenditure and expense reports, transform the way in which their services can be accessed and used by their customers and revolutionise the standard business models and operating procedures that have been so heavily relied on for decades. Very much linked to the automation opportunities presented by AI are the opportunities associated with the enhanced utilisation of data. Through AI, the financial services sector will be able to gain a game-changing insight into financial trends, anticipated outcomes and customer preferences, as well as both internal and external business factors influencing revenue and cost margins including productivity levels and areas of strength and weakness within operating practices.
Efficiency: inherently linked to increasing automation through AI within financial services are improved levels of efficiency. The use of algorithms, automated processes and technology that can reduce mistakes as well as the time normally taken to complete a task or transaction are examples of the ways in which AI can be fostered to generate new levels of efficiency. On a very practical level, the documentation often involved in both small and more significant financial transactions can be time consuming and subject to human error. AI can be used to authenticate and double check information, as well as 'learn' to process information more quickly over time by identifying patterns and recognising what is involved in specific transactions. Businesses will be able to rely on AI to offer faster and more reliant services to customers.
AI has the potential to reshape traditional practices and procedures within the financial services sector, from reducing costs and improving revenue, to tackling complex problems previously reserved for humans. Other applications include automated client interactions, programmed reporting mechanisms, improved risk assessment and tools that allow for smarter and targeted financial services.
There are two fundamental legal challenges associated with the development and increasing reliance on AI, namely determining liability in the event that loss or injury arises in association with the use AI and secondly, data protection and privacy issues arising from the collection and application of personal data derived from the use of AI.
Liability: AI technology that is capable of learning and effectively behaving in a manner that it is neither predicted nor programmed to do raises questions concerning that attribution of liability in the event that a loss or injury occurs in connection with the use of AI technology. Traditional liability is determined by establishing fault, by looking at the decision-making process or the actions that led to the loss or injury and assessing this against a standard of reasonableness to determine liability or negligence. This traditional and long held understanding of liability endures when 'decisions' by AI machines or technology are traceable back to flawed programming or some other similar human related error. The traditional concept of liability falls when AI begins to 'make decisions' that are beyond the extent of human programming and instead autonomous. In these circumstances, it becomes harder to trace and attribute liability. A degree of autonomy or independence in an AI programme represents an elementary challenge to the established process of determining liability and in turn reparation for any loss or injury caused. It raises the question as to where liability would rest in the event that autonomous AI technology causes and contributes to loss or harm experienced by an individual or group.
Data protection and privacy: the Cambridge Analytica scandal highlighted how personal information gathered through AI can be used to influence some of the most important decisions made by society. The amount of personal information we share on online platforms today is of immense value and can be bought and sold to third parties with their own separate agendas. AI can also silently harvest personal data, for example through monitoring online interactions and by tracing wireless devices as they connect to different wireless signals throughout a city. Such observations are often performed without the data subject realising or consenting to their data being gathered. The use of personal data to create targeted advertising, drive a political agenda or identify daily routines in certain locations can represent an infringement of a person's right to privacy. The future success of AI will in part be dependent on the extent to which reassurances can be given that personal information gathered through this technology will not be used improperly or without the consent of the data subject. Users of AI will require guarantees that their personal information will not be bought and sold as a commodity without their prior consent and knowledge. The General Data Protection Regulations should strengthen data protection legislation already in force in the UK and act as a robust standard against which misuse of personal data will simply not be tolerated.
Current Regulatory Proposals
Following a six-month inquiry into the use and future use of AI, the House of Lords Select Committee called for the creation of an AI Council. The Council would represent a mechanism through which AI regulation may develop in the coming months and years and also serve a variety of other public functions, including advising the public on when important decisions are not being taken by a person.
The House of Lords recently published a report on this matter, entitled 'AI in the UK: Ready, Willing and Able?' calling for AI to be developed for the good of humanity, to be used fairly and never to cause harm. If established, the House of Lords has advocated that the AI Council should become the 'industry body for AI' and act as a bridge between the private and public sector to coordinate the rollout and smooth integration of this technology into everyday life and society. The Council would also play an important role in educating and supporting the public in their understanding of AI, specifically supporting people to retrain and work in the AI sector to mitigate the potential wide-spread loss of employment that might accompany the expansion of this technology in certain sectors. Work is also being carried out at an EU level; the European Group on Ethics (EGE) has laid out the EU's ethical principles and democratic prerequisites for examining the role of AI in the future, values including human dignity, rule of law, accountability and sustainability featured on this list.
At present, the future regulation of AI is unwritten and yet to be determined. Future legislation administering AI may be highly restrictive, governing what type of AI technology can be developed and pre-determining what types must remain in human control. Alternatively, governments and legislators may allow for innovation to flourish before seeking to establish boundaries for this technology. At least for the time being, AI is still being discovered and understood by policymakers. The growing commercialisation of AI will likely increase the momentum moving toward some form of overarching legislation regulating the use and development of AI. Understanding your role as an AI developer or user in shaping the future legislation governing this technology is important. Before the creation of new legislation, government and policy makers frequently embark on a wide-ranging consultation period seeking views and options from experts as well as the general public. Your voice in this debate will be important and could change the future path for AI in the UK and beyond.
Contact our Fintech Solicitors London, Today
At Selachii, we have a wealth of knowledge and experience in helping those working in the Fintech industry to understand current trends and anticipated developments in the legislative regime governing AI and other technologies. We provide forward-looking legal advice specific to your business needs and will be on hand to provide pragmatic and holistic solutions to the challenges faced by your business. Our team will help ensure your ongoing compliance as legislation governing the use and development of AI progresses.
Contact a fintech lawyer at Selachii today for expert legal advice on AI in the UK and Europe. Call us on the number below or complete our contact form to arrange a consultation.
Complete the form below and we will be in touch to arrange a consultation.
Want Selachii's help?
At Selachii, we like to do things a little bit differently. We offer the same level of experience and expertise as you would expect to find at a large city law firm, with state-of-the-art case management technology, taking the time to get to know our clients and treat them as individuals.
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During the regular meeting, the board will have final adoption of a policy extending due-process rights to teachers now that the state has eliminated career status, also called tenure. The policy would list the 15 reasons that experienced teachers could be fired.
The board will also vote on capping Enloe High's base and sending the overflow to Athens Drive and Broughton high schools.
While perhaps a formality, we'll see if any people show up to speak at the public hearing on consolidating East Wake High from four small schools back to one school.


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const suite = new benchmark.Suite();
const Future = require('..');

const noop = () => {};
const a = Future.of('a');
const b = Future.after(5, 'b');

suite.add('Left winner', () => {
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suite.add('Right winner', () => {
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suite.add('Both fast', () => {
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});

suite.add('Both slow', () => {
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});

suite.on('complete', require('./_print'))
suite.run()

redpajama_set_name: RedPajamaGithub


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Becky Zobl joined the LaFleur team in mid-2018 as a project and account manager. A West Michigan native and graduate of the communications program at Grand Valley State University, Becky journeyed to Los Angeles and worked in the fashion industry after college. She then spent time at a law firm in Chicago before coming full circle and settling back in Grand Rapids with her husband and two young children.
As a natural problem-solver and agent of order, Becky loves to break down problems and come up with creative strategies that sweep them to the wayside. We recently sat down with Becky to get her take on L.A. life, the importance of humor in the workplace, and the gratification of helping others do their best work.
LaFleur: I know you lived in Los Angeles, and I've known quite a few people who have moved out there over the years. I feel like it's very much a love-it-or-hate-it type of city. Do you think that's true, and do you fall into one of those camps?
Becky Zobl: I would definitely say that is true. [My now-husband and I] were not there for very long, and now it seems like a long time ago. I think it was fun for the time of life I was in, but I definitely knew from the beginning that I didn't want to be out there long-term or raise a family out there.
LF: That makes sense. I feel like knowing it's temporary might help you keep your sanity in a city like L.A. What did you like most about it while you were there?
BZ: Well, you can pretty much wear the same thing every day since it's always high-70s and sunny and it barely ever even rains. I was in my young twenties at the time, and I was a female working in the fashion industry with a lot of other women who were in the same phase of life, so that part was very fun. And it's enjoyable just to explore different neighborhoods and areas. I mean, within just a short distance from L.A., you can go to San Diego or Las Vegas or anywhere along the coast and see so many different things.
LF: Yeah. I was there staying with some friends recently in San Francisco, and one morning they took me whale-watching. We drove like an hour and a half from San Francisco and worked our way along the coast and saw a ton of active whales. That kind of blew me away.
BZ: Yeah. Like in our neighborhood, we had this beautiful mountain canyon that was literally one block away. It's pretty amazing. But L.A. also is definitely a case of urban sprawl where everything is so spread out. When you talk about traveling in the city, you don't say how many miles away, because that means nothing. You just refer to how long it's going to take you, which is unrelated to the distance.
LF: So living in Los Angeles, working in the fashion industry — that sounds like a dream fulfilled for a lot of people. Was it like that for you?
BZ: Not exactly. It definitely wasn't somewhere I had planned to be. My husband got a job offer out there and we had both just graduated, and we said, "Whoever gets the first job, that's where we'll go," and it ended up being L.A. And through some contacts I ended up getting connected with a retailer in the fashion industry out there.
While I was there, I got to see some inner workings of the business and started doing some of the things that I do in project management now: helping to make things more efficient, solving problems. Then I shifted my focus more into the marketing side and got experience working on things like competitor analyses and strategic marketing plans. That was really my favorite part about the work I did there.
LF: It sounds like it was love at first sight between you and project management. What do you like about it?
BZ: I like the aspect of sort of bringing order to chaos. I'm very much a "get-things-done type of person," a "list crosser-offer," so it just feels like a natural fit for me. As a project manager, I feel like I can check things off and make sure everyone is happy, has what they need, and can move forward knowing someone has their back if they encounter a problem.
LF: After Los Angeles, you moved to Chicago for a few years, right? If you had just lived in New York, you could have completed the big-city trifecta.
LF: How did you end up at LaFleur from there?
BZ: I was looking for something to come back to full-time because I had been home with my two little kids for a while. I saw a job posting for LaFleur, and it aligned with my experience and what I was looking for. Once I interviewed, I was very much drawn to the culture and the team here.
LF: What's your favorite thing about working here so far?
BZ: I really love our team, and honestly, I love the work we do. Everyone is so creative and everyone brings something different to the table, comes up with their own ideas for projects and directions we can take things — both for LaFleur and our clients.
LF: Personally, I enjoy the wry sense of humor you bring to the mix. I feel like you like to be amused and to amuse other people, but you're not easily amused, if that makes sense. I don't know if that sounds like a compliment, but it is in my book.
BZ: Yeah, I think that just kind of seeps out — not always intentionally. I also don't like to take things too seriously. It's so easy to get stressed out about client work and be like, "Oh, this is life or death," but let's be real, it's not. And you know, I've worked part-time for Gilda's Club here in Grand Rapids, which involves working with cancer and grief, and even there, you learn that there's always room to be light-hearted and enjoy life.
LF: So, maybe this is kind of a silly question for a young working mom with two young children, but what do you like to do when you find free time?
BZ: Yeah, you're not wrong. At the stage I'm in with two small kids, there's not a whole left of me at the end of the day. But in theory, I like to hang out with my friends, sit outside and drink wine, do yoga, and I also like to sew, which I feel is almost a metaphor for project management. I like to see all these little pieces come together into a greater whole, and to take an original plan or pattern and turn it into something unique.
LF: What was the last sewing project you finished?
BZ: I made some fun masks for my son. They were a tiger, a robot, a dragon, and Catboy from PJ Masks.
LF: Even your hobby time revolves around your kids.
LF: What about the sitting outside and drinking wine? I feel like that has to be something that's got a "just-for-you" component.
BZ: Yeah, just like everyone here in Michigan, as soon as it's nice, I want to be outside. I have found time to go to some different wine festivals, and it's fun to learn about wines, try different things, and just enjoy that scene with friends.
LF: Do you have a go-to wine to pair with the great outdoors?
BZ: I really like viognier. It's a good one, but it's not one you find at a lot of places.
LF: I'll keep my eyes peeled.


Choose between our three tastings of Classic, Red or White for $9/person. Larger parties may reserve a Group Tasting with reserved seating for $12/person.
We offer tastings up to 15 minutes before close every day.
We have a selection of salami, cheeses, baguettes, and more available in the tasting room. These items can be ordered as part of a charcuterie board. You're also welcome to bring your own food.
We have a spacious patio with amazing views, corn hole sets, picnic tables, and free guest wifi. All of these are free to enjoy any time that we're open.
We welcome furry friends outdoors, but due to recent regulatory changes, we are unable to have pets in our tasting room.


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The history of hydroplane racing on the Detroit River is packed with the stories of exciting races and achievements that have captured the imagination of generations of Detroiters. Today's heroes such as Wild Bill Cantrell, Chuck Thompson, Bill Muncey and Dean Chenoweth blend with figures of the past like Horace Dodge, Bill Horn and the truly remarkable team of Gar Wood and Orlin Johnson.
In 1928, a young British heiress named Marion Barbara Carstairs challenged the Grey Fox, Gar Wood, for the Harmsworth Trophy, symbolic of world speedboating supremacy. Better known as Betty, Carstairs drove motorcycles and ambulances on the battlefields of France during World War I and later speedboats in competition on the French Riviera. A student of ballet who also enjoyed a good cigar, Carstairs felt she would be the one to return the British international trophy to its rightful home.
She ordered three hydroplanes from the famed British builder S. E. Saunders of Cowes, Isle of Wight. Each was to be capable of 80 miles an hour or better. In trial runs the boats did not perform at all to the expectations of Miss Carstairs. Disappointed, she withdrew her challenge. Saunders, however, fearing that the action would mark his reputation, pressured her into reconsidering. One of the boats was totally unacceptable but the other two, Estelle I and Estelle II, showed some promise.
Earlier that year, Gar Wood and Captain L. M. Woolson of the Packard Motor Company were designing an engine that would produce 770 horsepower and be lighter than any existing engine of equivalent power. In April of 1928, the Packard production line was stopped so that three of these engines could be built. After more than six months of development, Wood and the Packard engineers had nurtured the engines to 1000 horsepower each.
At the same time, Miss America V was taken out of mothballs and readied for the race. Built in 1925, the FIVE was powered by two Liberty aircraft engines and probably would have been able to withstand any challenger. But Wood, never satisfied, began building a new Miss America which would be worthy of the new Packard engines.
Hailed as the "most powerful speedboat in world's history" by The Detroit News, the Miss America VI was launched on August 11, 1928 in Algonac, Michigan and gave Wood and Johnson the fastest ride they'd ever had.
Those watching the trials that day would probably have agreed with Jay Smith, president of Chris Smith Boat Company, that the SIX had just about reached the limit in speed.
The following day, Wood and Johnson readied themselves for the run. The engines responded to the touch of the ignition and roared onto the St. Clair River. Showing all the speed and grace of the previous day's run, the SIX seemed almost as eager as her two occupants to go faster and faster. After several runs loafing along at about 75 miles an hour, Wood pointed the craft upstream and signalled Johnson for full throttle.
The faces of the two occupants were distorted by the force of' the wind. Checking the tachometer, Wood noticed a small boat ahead and off to one side. Suddenly there was the hiss of the cold river water hitting the two hot engines. Several hard bounces of the hull into the waves, an ear-splitting roar and the Miss America VI disappeared in a cloud of water and debris.
While Wood was thrown clear of the boat, Johnson was thrown forward onto the hot exhaust stacks; one stack cutting through his life jacket and slashing his throat from ear to ear, another cutting his cheek and breaking his jaw as he hit.
Jay Smith, who had witnessed the accident was speeding toward the scene. The unconscious Johnson was lifted into Smith's boat. Both Wood and Johnson were rushed to shore for medical attention.
With his new boat totally destroyed and his new engines, the only two like them in the world, somewhere on the bottom of the St. Clair River, Wood had only the old FIVE ready to defend against the British challenger.
An article in the August 13 Detroit Free Press began with the heading; "British Race Chances are Good."
Not waiting for the engines to be located, Wood began building the Miss America VII at. 10 a.m. that day. He set a crew of 25 men to work in an all-out effort to be ready for the U. S. Team trials scheduled for August :30 and the first heat of the Harmsworth scheduled for September 1.
The search for the missing engines began almost immediately following the crash. The river in the area of the crash was 60 feet deep with a muddy bottom.
Half the town of Algonac turned out to find the missing engines. Boy scouts, off-duty policemen and the townsfolk joined Wood in the search. After four days of searching, Vance Smith located the engines with a sounding device, buried in six feet of black mud.
A truck which had been standing by during the search rushed the engines to the factory in Detroit where they were completely torn apart and examined closely. Nothing was damaged. Thoroughly cleaned and reassembled, the engines were ready for the Miss America VII. But time was running out.
On Tuesday, August 28, the SEVEN was launched in Algonac — just 15 days after construction began. Among the interested spectators at the event was Betty Carstairs. Wood was satisfied with his new defender. Back onshore after the trial runs, he told reporters that no adjustments were necessary. The boat was running very well. When pressed as to whether the heavier SEVEN was as fast as her predecessor; the ill-fated Miss America VI; Wood replied, "She's plenty fast enough." She had qualified at 63.87 miles an hour.
The race itself was anti climactic. Like Wood's two previous races in 1921 and 1926, his only competition came from his own boats. After having taken the lead at the start, Betty Carstairs dug the bow of the little challenger into the water, pitching both herself and her mechanic Joe Harris into the river. She was unhurt in the accident, but Harris suffered an injured spine and three broken ribs. The little Estelle II sank immediately.
At the finish, Gar Wood beat his brother George, driving the Miss America V, by .44 of a second. The Miss Los Angeles was a distant third and was never figured in the competition.
Once again the Grey Fox of Algonac emerged unbeatable. He had conquered not only the British challenger but had also beaten his own time. In less than three weeks he had launched a new boat, driven it to destruction, built another and had ridden it to glory.


Blizzard hits new milestone; XBL gets more game trials; demon-slaying RPG delayed; F.E.A.R. 360 gets downloadable maps; Forza 2 to get add-on car packs.
The beast, it thrives. Blizzard today announced that its massively multiplayer online game that needs no introduction has surpassed the 9 million worldwide subscribers mark. Debuting in November 2004, World of Warcraft has consistently been in a league of its own as far as installed user base. Earlier this year, the game's first expansion, The Burning Crusade, set PC-game records by selling a staggering 2.4 million copies within 24 hours of release. The publisher anticipates it will continue to acquire waves of new subscribers, noting The Burning Crusade is currently being prepped for launch in China.
Despite the rocky deployment of demos on Xbox Live earlier this week, it appears two more have made their way to Microsoft's online service. Demos for 2K Games All-Pro Football 2K8 and NASCAR 08 are now available for download. While the All-Pro 2K8 demo theoretically weighs in at 681MB, a widely reported error seems to be preventing the demo from downloading. Clocking in at 589MB, the NASCAR 08 demo drops racers into the driver's seat at the Daytona International Speedway. The Darkness demo also appears to have reappeared on the service after going dark for a brief period of time. The Dynasty Warriors: Gundam demo, however, still has not surfaced on Xbox Live.
Originally slated to appear this week, the latest update to the demon-slaying Shin Megami Tensei role-playing series has been delayed. Atlus today confirmed that Shin Megami Tensei: Persona 3 for the PlayStation 2 will now make its journey to store shelves come August 14. The delay stems from an issue with the reproduction of an art book that was planned to be packaged with the game. According to the publisher, "Without the art book, the outer box would lack the structural integrity to endure shipping; all extras would need to be discarded." Atlus notes that the new ship date is still tentative, barring any other manufacturing issues.
Five new maps to feed F.E.A.R.
In June, Sierra Entertainment updated its supernatural shooter with a pair of multiplayer game types, control and conquer mode. At that time, the publisher also revealed it had several map packs planned for release this summer. The first of those map packs is available on Xbox Live today, and a couple of the maps included are for the new modes. Titled the Synchronicity Pack, the latest add-on features five new multiplayer maps. Three of the new playfields can be used for capture the flag and conquer all game modes. The remaining two maps are designed for deathmatch games and control mode, respectively. The Synchronicity Pack is a 316MB download and will cost gamers 550 Microsoft points ($6.87).
Despite boasting more than 300 different automobiles in its most recent racer, Turn 10 is ready to expand Forza Motorsport 2's car list even further. Posting to its Web site, the developer recently revealed that the Forza team "definitely have DLC up our sleeves and will release a series of car packs and new tracks starting in August and running probably through a good chunk of fall." The studio also outlined Forza 2's most recent patch, which includes a number of fixes and tweaks to its online game.


text:
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What language did the Aztecs speak?
by Chris C March 19, 2020
The Aztec language is called Nahuatl, and is actually still spoken by about 1.5 million people in various mountainous and rural regions of Mexico. Modern-day Mexican Spanish incorporates several Nahuatl loan words, as well. There are towns and other geographical features named after famous rulers like Moctezuma as well. Some common words in English even have Nahuatl roots. "Avocado," for example, is a Nahuatl loan word, as are "tomato," "coyote," "axolotl," "chili," and (perhaps most importantly) "chocolate."
So while we may not speak the Nahuatl language or know as much as we would like to about Aztec culture and history, we know that we owe them a huge debt of gratitude for naming the fruit that we have to thank for our beloved guacamole and avocado toast, without which many a party, sporting event, late-night snack, and brunch would be ruined. Not only that, but without the word "coyote," we would not have the famous Wile E. Coyote, cultural fixture and Looney-Tunes nemesis of the Roadrunner.
Back to Aztec Facts
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All Rights Reserved 2020 While our replicas are intended as art pieces, you MUST be 18 years of age to order from Aztec.Style, given the nature of these items. By making a purchase on Aztec.Style you represent that you are of legal adult age and that the items you're purchasing can be bought and owned in your state, county, and/or city where you reside. By offering life-like replicas for sale, Aztec.Style does not claim or warrant that any specific buyer may legally buy, own, or possess the product ordered. Please check your local laws.

redpajama_set_name: RedPajamaCommonCrawl


text:
Home Analysis Microsoft Share Price Tanks As $50 Billion TikTok Acquisition Weighs on the Stock
Simon Mugo	traders
Simon has over six years of professional trading experience across FX, commodities and equities. He has a strong passion for financial markets and is particularly focused on price action trading
Microsoft Share Price Tanks As $50 Billion TikTok Acquisition Weighs on the Stock
Updated: 11 Aug 2020
Shares of Microsoft Corp (NASDAQ: MSFT) today fell 2.16% extending yesterday's decline even as the company works to acquire Chinese social media app TikTok, which has been sanctioned in the United States.
Investors and analysts alike are torn on whether the TikTok acquisition will work out for the tech giant, or whether it will be another failed project that costs Microsoft $50 billion.
The acquisition would plunge Microsoft into the murky waters of social media including the regulatory scrutiny that has fallen on Facebook and Twitter in the recent past.
Daniel Elman, an analyst at Nucleus Research said: "Combating misinformation will need to be a mission-critical priority. Microsoft will be new to this as it doesn't have experience managing a high profile social network at this scale,"
Adding that: "…if any company can acquire or quickly develop the requisite skills and capabilities, it is Microsoft."
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text:
Question say over society using science. This added to
Question #1
The use of racialized language and "othering" is
prevalent in all three of our novels that we have read this semester.
Eugenicists of and their eugenic discourse of this particular time when these
novels were written, had
an influential say over society using science. This added to the use of these
specific discourse towards individuals and groups of people displayed within
our texts.
Examples of racial "othering" can be seen in both Sons and
Lovers by D. H. Lawrence and The Well of Loneliness by Radclyffe
Hall. Racialized language directed towards African Americans is present where
this specific group of individuals is "othered" by the characters around them.
In The Well of Loneliness, Lincoln and Henry Jones are two African
American brothers who become racialized and othered. The theory of the "facial
angle" was the concept of comparing races to that of animals by measuring the
angle of the forehead to the chin (Winston). This type of eugenic concept was
first introduced by Pieter Camper and became of popular use in European
society. European races were seen as 'further civilized,' which Camper would
call "Orthognathous." This group of individuals were those who had
non-projecting jaws and a straight/vertical facial angle. Those who had
projecting jaws or chins were labeled as "Prognathous" and these groups of
individuals were most often linked to being less evolved and primitive compared
to those who did not have these traits. These labels that came forth in science
were a way to "read people's characters according to the appearance of the
face/shape of their face" (Winston) and became a type of racism brought on by
science. The African American race was often expressed as closer to that of
animals and savages.
We see this language in The Well when going back to the
scene with Lincoln and Henry. While performing for the group in the studio, the
narrator compares both Lincoln and Henry to "the animal" stating, "His eyes had
the patient, questioning expression common to the eye of most animals and to
those off all slowly evolving races" (362). Introducing Lincoln in this manner
right away makes him different to the others in the room. This "othering" also
occurs with Henry. He is described as, "A crude animal Henry could be at times,
with a taste for liquor and a lust for women- just a primitive force rendered
dangerous by drink, rendered offensive by civilization" (363). The
functions that these references/concepts service in this particular text may
have been to show that even though all the Europeans within the room were
'queer'/homosexuals, it was better to be white and 'queer' rather than someone
like Henry who was referenced as a 'crude animal' who has a continuing 'lust
for women.' Havelock Ellis in his article "Studies in the Psychology of Sex,
vol III: Analysis of the Sexual Impulse" discusses the concept of courtship
stating, "this tendency has always to be held in check, it is of essence of
courtship that the male should win the female, she can only be won by the
promise of pleasure… It (courtship) is so among animals greatly; it is so in man
among savages" (110). The way which Henry's lust of women is communicated in
the text could be seen in the same way that of how Ellis states that man only
displays this tendency when they are of "savage." Henry in this novel is then
an animal who is consistently on the lookout for a woman. Evidence of
Lincoln being a heterosexual in the text is minimal, but it is important to
state that also, Hall may have been communicating to readers that there may be
hierarchy between groups of "sexual inverts," specifically in this scene where
race in centered. It is more acceptable to be a 'queer' white individual than
to be either a heterosexual African American 'savage' or a questionable 'queer'
African American.
In Sons and Lovers by D.H. Lawrence, racialized language
directed towards the "facial angle" is seen when Miriam and Paul go see the
"Coon" show. While at this show, it is stated that, "It was queer to see Miriam
singing Coon songs. She had a straight chin, that went in a perpendicular line
from the lower lip to the turn." (215). Paul is comparing Mariam's facial
structure to that of African Americans. The use of the "facial angle" eugenics
is clear. Paul felt uncomfortable seeing her sing these specific songs because
she has the structure of the highly developed and civilized race and should not
be singing these songs. Readers do not get much information about the actual
show that occurs, but it is interesting to see this comparison in this moment
because Coon shows could be argued to be an example of aesthetic primitivism.
Caucasians in these shows are essentially mocking (which is a defining point of
primitivism) those of African American decent, dressing up as them and putting
on makeup to generally take their culture out of context to enhance their
disapproval of this group. Sexologists like Iwan Bloch also added to this
stigma towards this group of individuals. In his article, "The Sexual Life of
Our Time" he states while talking about evolutionary differences between races
that, "the great size of the brain gives rise to far greater development of the
skull than we find in foetus of any other mammal… In lower races of man, it is
precisely this plate-like expansion of the iliac fossae which is so much less
developed in the case of civilized races" (32). Ideas similarly to these that
were being introduced within society makes it clear why ideas of the "facial
angle," "Coons, "and "savage" are prevalent in both of these texts.
I was just thinking
while working at Jordan's today, what it means to be a woman in the working
class in this particular age. I am glad that I can work at this place (Jordan's)
as compared to my mothers. That day when Paul found me working from home I
couldn't stand it. I did not want to be found in those circumstances (310). Why
must it come to the conclusion that a woman gets put in the circumstances to be
much embarrassed and "have to bend our heads in shame of humility"
(302)? It is not fair or right to become stranded in these kinds of situations,
like life has no use for a woman like me. It is no wonder I can come off as
bitter (304), I would rather not have to have a job such as jennying, but what
can a woman do? "Isn't all woman's work sweated? More or less so, it's just
an additional trick that men have played against us. Women have to force
ourselves into the labor market these days" (303). No matter how hard I try
to be one with my work, everyone around me can tell that I scorn my end product
no matter how perfect it is. I'm just not comfortable with the kind of work
that I have to take. "There is so little likelihood of my ever being given a
choice about what kind of work that I can choose that I never really think of
anything I would prefer in Jordan's. All work is work, so what's the point of
putting much consideration in (307)? I'm curious Mary, what is your input
on this situation?
Clara Dawes
Dearest Clara,
I do appreciate you
sharing your opinion with me. However, my view on your specific work is a
little different from yours. I would have loved to jenny and stich in an
environment such as Jordan's. People here in the front line as a second ambulance
driver see me as a young figure who may not able to stick to my work, but I
definitely try my best (278). I often times do feel out of place, I do not know
what I would become without Stephen by my side. A lot of the time I need to be
close to that of others to remain calm and most of the time Stephen becomes
annoyed at me (281). I'm was always nervous when we got called for a job of
driving, especially when I had to be the driver, but I become firmly set and we
got the job done (283). "I did not know much about life when this war broke
out. I was only eighteen. I have an ardent, courageous, impulsive nature and
this war was a hope for me to become independent, in which I have met with no
opposition (285). I'm thankful that I had this opportunity in the war, I
just wish I may have had a situation similarly to yours. I was lost in thought
most of the time.
You mention Stephen and
I know you two were romantically involved, but what is your view on
heterosexual desire and marriage? I'm torn on this subject. I want to become
and be independent for myself. Men can be daft, especially when it comes to a
subject like marriage. They don't understand that one must be faithful to one
another. "When I married Baxter I thought I loved him more or less. I didn't
think much about love or marriage. All that seemed to matter was that he wanted
me, and I was very prudish then" (317). I wish I would have thought
about what marriage actually meant, but I had seemed to be asleep most of my
life (317). "Marriage is a question of living, with Baxter I was only half
alive and the rest was dormant" (361). A woman needs someone to love them and
appreciate them as Paul did with me that night at my mothers. The way that he
appreciated my beauty healed my pride, and made me feel proud again in my
nakedness, (383) but I had to refuse him that night. As soon as I did become
physical with Paul, I realized that he only wanted me for physical attraction.
I chose to ask Baxter if he wanted me back in marriage because I then
understood more about men and what they could or would do. I was less afraid
and surer of myself (450).
Dear Clara,
The privilege of
marriage must be a wonderful feeling. I was never aware of the feeling until
Martian came to Paris. When Stephen went to Morton and left me alone, I went
into her study and discovered a letter from her mother. It was at this
moment where I first realized the world's tentative onslaught upon us (338).
You and Baxter or even you and Paul would never had to have the kind of out
casting that Stephen and I suffered. I loved Stephen more than anything and I
wished for us to be together forever. As life went on, especially after the
deaths of our beloved friends Barbara and Jamie (their deaths were of great
shock to me) I experienced a new emotion of fear- fear for that of mine and
Stephens love. Was this to come of us? Such despair, such utter despair it was
and I could not bear it (403-404). When I spent time with Martin Hallam I
began to become happy again (420). I had re-established my pride and
self-respect. I was able to contemplate the world without the sense of
isolation (420). After having a taste of what heterosexual privilege was, I
became bitter and resentful. I was my own weakness against the world and it was
crushing me (423). It was this feeling that inevitably made me run to Martian
when I discovered that Stephen was Valerie Seymour's lover (435). Stephen was
the one force keeping me from loving Martian, and she in the end is what made
me gain the privilege of marriage.
One of the first reasons
why I left both Baxter and Paul was based on their constant need for control
and sex. Baxter was dirty and degrading towards me at least. "He wanted to
bully me, because he hasn't got me. And then I felt as if I wanted to run… he
seemed as if he couldn't get at me, really. And then he got brutal-he was
brutal! It was his unfaithfulness that made ultimately made me leave him of
course" (318). I could not really get the satisfaction that I needed from
Paul because he could not love me in the same way that he loved his mother.
Towards the end of our relations after I saw Baxter again after the years, I
noticed that, "There was nothing stable about Paul and my husband had more
manly dignity. Paul was never going to make ground for any woman to stand on… I
realized that Paul was withdrawing from me, leaving the option to stay with my
husband and it angered me. Although I knew my anger was silly because at the
bottom of my heart in this moment I wished to be giving back and I was"
(450-451). The other day I discovered a booklet called Married Love written
in a book by a woman called Stopes. In it she stated a few key aspects about
marriage that I tend to agree and relate with, "It
has become a tradition of our social life that the ignorance of woman about her
own body and that of her future husband is a flower-like innocence… When she
discovers the true nature of his body, and learns the part she has to play as a
wife, she may refuse utterly to agree to her husband's wishes" (22). When
reading this, I could not help in thinking about Baxter and when we were first
married. He would become brutal as I mentioned, and he had to become dominant
over me. I hope that now since being with Paul, I know I have learned a bit
more about myself and it will help Baxter and I down the road of our second
attempt of our marriage. Stopes also mentions in her work a quote from Forel
that "Men and women need to explain their sexual feelings to avoid deception,"
(53) and I couldn't agree more. I will try and use some of these methods and
hope for the best going forward with Baxter.
you well,
Themes maid, tells Mary about the late Mrs. Craven's
Paul's same mind as other fellow Christians (Rom 15:5)
Although is one of the most famous and well
By people were "…not only lower than the angels,
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Pre-Registration for the Pokemon Sun & Moon Lost Thunder Prerelease! Pokemon prereleases are an event where new and veteran players alike receive the newest cards, build a deck out of them, and play for several rounds. The event starts at 10 am on Saturday, October 27, 2018. Check-in Starts at 9:30 am on the date of the event.
Each participant receives a Prerelease box containing a 22-card Sun & Moon Lost Thunder pack, four 10-card booster packs, and an exclusive foil promo card. The Sun & Moon Lost Thunder pack provides a solid foundation which, along with the booster packs and Energy provided by the Tournament Organizer, is used to construct a 40-card deck.
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Dark Lotus – EAR/Rational Music!
Jlin returns with the first fruits of her new work since last years Free Fall EP. Dark Lotus is a transition between Dark Energy, her debut album, and her forthcoming Black Origami full-length.
A-side Te Return of the Blvck Rxbbit (ft. Avril Stormy Unger) is the more traditional of the two tracks, starting off proceedings with a constantly switching rhythmic structure and a stop-start sweeping hoover stab panning between the speakers, descending bleeps and Avril's vocals cut into shapes and pushed through effects.
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Non traditional sources of data: The web has evolved to encompass a new source of frustration to the integrator. Using data from web sources will become a common problem in the coming future. Or will it?
Review the shopping section. Or review our contact information.


text:
7 Game-Changing Social Media Tips From Gary Vaynerchuk to Grow Your Business
Looking to get more followers? Here's where to start.
Image credit: Jerod Harris | Getty Images
Sania Khiljee
Social Media Coach and Agency Owner
October 8, 2018 5 min read
With more than 3 billion global social media users in 2018, businesses can't afford to ignore the opportunity to build an audience online. Regardless of the growth in users, few have achieved as much success on social media as Gary Vaynerchuk. He is famous for taking his family's wine business from $3 million in annual sales to upwards of $60 million. He credits YouTube for much of his fame and wealth, particularly a channel that he started called Wine Library TV.
Related: 5 Social Media Rules Every Entrepreneur Should Know
Eventually, he began his own marketing agency, VaynerMedia, and is now a world-renowned thought leader in the digital marketing space. These seven tips from Vaynerchuk will help entrepreneurs leverage social media to get their business massive amounts of attention.
1. Think like a media company.
Thinking like a media company requires putting out content that will either inform or entertain your audience. Vaynerchuk is extremely active in putting out informational videos, articles, quotes and audio clips for entrepreneurs across all the major social media platforms. Similarly, Kylie Jenner, the CEO of Kylie Cosmetics, mixes up her product photos with a range of beauty, fashion and lifestyle posts. This creates a highly engaged audience that helps Jenner sell out of her makeup within minutes.
Entrepreneurs often make the mistake of only posting about their products or services, but thinking like a media company requires creating content that is both creative and relevant without being overly promotional at all times.
Related: 10 Proven Ways to Make Millions on Social Media
2. Get creative with repurposing content.
Vaynerchuk repurposes his long-form content, especially his keynotes and videos, into micro-content that can be shared across a variety of platforms. There was one keynote in particular that his team repurposed to create more than 30 pieces of social media content, which resulted in more than 35 million views. Business owners are busy, so taking the time to create quality content can sometimes be difficult. By repurposing content, however, they can save both time and effort.
3. Provide massive value before asking for anything in return.
Entrepreneurs can provide value in the form of free content to build trust with potential customers, which Vaynerchuk discusses in his book Jab, Jab, Jab, Right Hook. Similarly, Tim Ferriss, the author of five bestselling books, gives away much of his knowledge for free before asking for book sales in return. He provides value to his audience through content on his blog, social media accounts and podcast. This helps him grow his following, build trust with his audience and establish authority as a self-development expert.
Related: 10 Laws of Social Media Marketing
4. Stay as authentic as possible.
There can be pressure to compete on social media. People and corporations often showcase the highlight reels of their life or business online to make it look like they have it all, but Vaynerchuk encourages authenticity. "You have to understand your personal DNA. Don't do things because I do them or Steve Jobs or Mark Cuban tried it. You need to know your personal brand and stay true to it," Vaynerchuk said. With a commitment to authenticity, entrepreneurs get a chance to display what makes them and their business different from the rest.
5. Reply to as many comments and messages as you can.
The volume of comments and messages that some influencers receive can be overwhelming. Despite this, Vaynerchuk often replies to his audience. Similarly, Lewis Howes, a bestselling author, entrepreneur and athlete, has built a sizable following on social media. On Instagram, he has more than 700,000 followers, but he replies to many of the comments he receives. Entrepreneurs can reply to the comments and messages they receive as a form of high-quality customer service.
Related: 12 Social Media Mistakes That Entrepreneurs Make
6. Hustle harder than your competition.
Vaynerchuk has become synonymous with hustle as he showcases his everyday life on DailyVee. There are many factors in business and social media that entrepreneurs cannot control, but the one thing that they are completely responsible for is the work that they put in. Many entrepreneurs won't put in the time and effort necessary to become influential online. It takes a significant amount of work to create content, distribute that content across multiple platforms and engage with other social media users every day. This is where entrepreneurs who are willing to hustle can succeed.
7. Play the long-term game.
Business owners must make sure to stay committed to their long-term vision despite the distraction of opportunities that may arise online. Jay Shetty, a viral content creator, once said no to a $1 million deal. He was offered a position to host a show that would encourage its viewers to gamble, but Shetty decided that it did not align with his long-term goal to promote wisdom. Though he lost out on $1 million in the short term, his popularity has continued to rise since the incident.
Finally, know that building a brand on social media takes time, patience and consistency. Vaynerchuk has been active on social media for more than a decade. If you haven't already, start growing your business with social media today using these seven game-changing tips.
Jason's expertise and experience can help you with storytelling, motivation, and pitching your business to media.
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text:
Das Übereinkommen über den Schutz des Bodensees gegen Verunreinigung ist ein multilaterales Umweltabkommen mit dem Ziel, den Bodensee vor Gewässerverschmutzung zu schützen. Mit ihm wurde die Gründung der Internationalen Gewässerschutzkommission für den Bodensee (IGKB) beschlossen. Deren konstituierende Sitzung fand im November 1959 im schweizerischen St. Gallen am Bodensee statt. Das Übereinkommen wurde am 27. Oktober 1960 in Steckborn (Kanton Thurgau) beschlossen und trat am 10. November 1961 in Kraft.

Mitglieder
Unterzeichner sind das Land Baden-Württemberg, der Freistaat Bayern, die Republik Österreich sowie die Schweizerische Eidgenossenschaft durch die Kantone Thurgau, St. Gallen und Graubünden. Die Kantone Appenzell Ausserrhoden und Appenzell Innerrhoden unterstützen die Gewässerschutzmaßnahmen ebenfalls. Die Bundesrepublik Deutschland, welche die Gründung der IGKB unterstützt hat, entsendet einen Beobachter. Ebenfalls ist ein Beobachter des Fürstentums Liechtenstein in der Kommission vertreten.

Organisation
Die Internationale Gewässerschutzkommission für den Bodensee findet sich einmal jährlich im Mai zu einem Treffen zusammen. Bei diesem Treffen, dessen Ort zwischen den Mitgliedsstaaten rotiert, werden einstimmig Entscheidungen getroffen. Der Vorsitz der Kommission rotiert im zweijährigen Rhythmus zwischen den beteiligten Staaten. Darüber hinaus gibt es eine Reihe von Fachbereichen, deren Vertreter der IGKB beratend zur Seite stehen und sich mehrmals jährlich untereinander abstimmen. Im Übereinkommen ist außerdem eine Zusammenarbeit mit der Internationalen Kommission zum Schutze des Rheins (IKSR) vorgesehen.

Erfolge
Durch den Bau und die technische Verbesserung von Kläranlagen rund um den Bodensee konnte die Phosphorbelastung des Wassers deutlich reduziert werden, womit den Algen ein wichtiger Nährstoff entzogen wurde. Des Weiteren versucht die IGKB die Beeinträchtigung des Ökosystems durch Aufschüttungen, Hafenanlagen sowie die Nutzung durch Wassersport und Schifffahrt zu minimieren und verbaute Uferzonen zu renaturieren. Auch die Bekämpfung von Unfällen mit wassergefährdenden Stoffen wie beispielsweise Öl zählt zum Aufgabenspektrum der IGKB. Zudem sind Netzgehege im Bodensee laut den Richtlinien nach wie vor verboten.

Weblinks
 Website der Internationalen Gewässerschutzkommission für den Bodensee (IGKB)
 Bodensee-Richtlinien 2005 (mit Änderung des Kapitels 5 vom 13. Mai 2014 und des Kapitels 6 vom 9. Mai 2018)

Einzelnachweise

Völkerrechtlicher Vertrag (Umwelt- und Naturschutz)
Internationale Organisation
Europäische Organisation
Bodensee
Gegründet 1959

redpajama_set_name: RedPajamaWikipedia


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text:
History in the Making: The Story of the American Printing House for the Blind
New book is now available to the public
An illustrated history book about the American Printing House for the Blind (APH), the world's largest company devoted solely to researching, developing, and manufacturing products for people who are blind or visually impaired, is now on sale. It is the first book published solely on the history of this unique Louisville company, the oldest organization of its kind in the United States.
"This book explores how an organization with one printing press in borrowed space in a school basement grew to occupy most of a city block and became an icon for generations of students, teachers, and adult consumers," says Dr. Tuck Tinsley III, President of APH.
Written by former APH Museum director Carol Tobe, of Floyds Knobs, Indiana, the book was commissioned to celebrate the company's 150th anniversary. Packed with rare details about the origins of APH, this 180 page book features rich photography, tactile pages from vintage books embossed on original APH presses using original plates from as early as the 1880s, and an accessible MP3 audio book version read by APH narrator, Jack Fox. The hardbound 12" x 12" book was designed by nationally known graphic artist Julius Friedman, and features color photography by Geoffrey Carr, both from Louisville.
Tobe places the birth, growth, and development of this unique Louisville manufacturer into the context of changing attitudes about people with disabilities. History in the Making is filled with stories of people who made a difference: the blind promoter from Mississippi, civic leaders who guided the fledgling organization, pioneer educators and students who struggled to develop standardized methods of reading and writing, and managers and workers who invented innovative methods to make the written word available to those who could not see.
Published by Louisville's Butler Books, History in the Making retails for $39.95. It can be purchased at the American Printing House for the Blind, located at 1839 Frankfort Avenue, from the web site: www.aph.org or by calling customer service, 800-223-1839. It will also be available at Louisville bookstores and online at both Butler Books and Amazon.
For more information about the American Printing House for the Blind call (502) 895-2405 or visit www.aph.org.
ABOUT APH:
2008 marks the 150th anniversary of The American Printing House for the Blind, a 501©(3) non-profit organization. APH is the world's largest company devoted solely to researching, developing, and manufacturing products for people who are blind or visually impaired.
Founded in 1858, it is the oldest organization of its kind in the United States. Under the 1879 federal Act to Promote the Education of the Blind, APH is the official supplier of educational materials for visually impaired students in the U.S. who are working at less than college level.
APH manufactures textbooks and magazines in braille, large print, recorded, and computer disc formats. APH also manufactures hundreds of educational, recreational, and daily living products. APH's fully-accessible website (www.aph.org) features information about APH products and services, online ordering of products, and free information on a wide variety of blindness-related topics. One popular feature of the site is the Louis Database, a free tool to help locate accessible books available from organizations across the U.S. APH products can be ordered through Louis.
The American Printing House for the Blind, Inc. is located at 1839 Frankfort Avenue in Louisville, Kentucky. For more information, call (502) 895-2405 or log on to www.aph.org.
Roberta Williams, (502) 899-2357, email hidden; JavaScript is required
Ali Shaw, (502) 262-8580, email hidden; JavaScript is required
Jennifer Montgomery, (502) 418-6819, email hidden; JavaScript is required


Business intelligence technology enables banks to derive meaningful information from masses of raw data, allowing more effective risk and customer service strategies to be developed. The major advantages include enhancements to tactical and operational insight and more informed decision-making. As a result, business intelligence (BI) and analytics are growing in importance, with 29% of banks citing the two as a top IT theme[i].
With the technology predicted to continue growing by 4-5% per year for the next 3 or 4 years, BI and analytics deliver a solid proposition for banks as purpose built orgeneric devices or via vertically oriented reporting tools that leverage analytics.
Why is this important to banks? The banking community facesmany threats including fraud, ATM skimming and cash harvesting, cyber attacks and online hacking. Although ATM related fraud incidents fell 26% in 2014, related losses were up 13%, and losses through skimming and ATM physical attacks increased by 18% and 17% respectively[ii].So banks need to reduce these losses and one of the most effective methods is by harnessing the power of big data, BI and video analytics.
If a branch suspects that a skimming device has been installed in one of the ATMs, it can take hours to review and identify the right evidence from when the skimmer was installed. Video analytics, however, can narrow the options beyond just time and date. Transaction records, for example, a credit card being used, or a person detected at the ATM when no transaction was made can help to pinpoint the crime being committed.Video cannot possibly help to prevent physical attacks, but what it can do very effectively is identify the moment of the crime, reduce investigation times and help banks to locate ATMs that are more at risk.
BI can analyse the history of fraudulent situations and develop useful fraud prevention business rules. These include models for predicting a card holder's behaviour and alerts that can be set up if the average number of daily transactions suddenly increases.
Fighting fraud is the primary use of BI and video analytics but it can also deliver insights that assist in increasing customer satisfaction. These include an overview of branch and staff performance, so changes can be made to reduce waiting times, and analysis of the influence and effectiveness of in-branch marketing activities.
For banks, business performance analytics help to measure employee performance, to automate marketing and sales and innovate products; analytics can assess customer profitability and regulatory compliance whilst providing feedback on risk management.
Analysing average daily withdrawals from an ATM assists in decisions about how much money to load into the machine. If the maximum amount is rarely needed, loading it to capacity will only prove to be a risk, given the high incidence of ATM physical attacks. Equally, BI algorithms can optimise cash management by anticipating time, place, and amounts of cash to be loaded, taking into account weekly, monthly and seasonal trends. A good reporting tool can help operators predict branch by branch, ATM by ATM, what the trends will be during the week and, in time, during the seasons.
Making the transition from a product-oriented business model to a customer-oriented one is not easy for the banking industry. It requiresextensive monitoring of client relations, the ability to identify the most profitable customers, and which products those profits are typically drawn from, and monitor new product and market opportunities and the trends in customer behaviour.
Banks can help themselves by turning daily transactional data into complex analysis involving customer and risk management, customer relationships, customer profitability, product and channel profitability, level of customer loyalty, evaluation of marketing campaigns, efficiency of operations, and market trends. The mechanism to achieve this goal is business intelligence and analytics.


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Pooja Bedi Birthday: Young Pics Of India's 90s Siren And Her Most Sensitive Controversy
Salena Harshini |May 11, 2020
Here we collect the hottest pictures of Pooja Bedi while helping you look back on the biggest and most sensitive controversy of the former actress.
Disha Patani And Jacqueline Fernandez Burn Eyes With Their Bikini And Ballerina Numbers
Twice A Month, Rich Kid Sara Ali Khan Almost Considers Maldives Her Second Home, Shares Stunning...
Khushi Kapoor Flaunts New Tattoos, Suhana Khan & Alaya F Exude City Girls Vibe
Former actress Pooja Bedi who is known for her boldness and classy appearance in movies is turning 50 today. Having been one of the most beautiful moms of Bollywood, Pooja is still no less graceful than when she just debuted. On the occasion of Pooja Bedi birthday, let's take a look at her topmost sensual pictures and some unknown facts about the everlasting diva.
Pooja Bedi birthday is today, May 11.
Born on May 11, 1970, she is seasoned actor Kabir Bedi and the late noted dancer Protima Bedi's daughter. In the early stages of her film career, she was the center of the limelight for her appearances in films even though she did not join that many projects.
Pooja's second film Jo Jeeta Wohi Sikandar which featured Aamir Khan was her breakthrough. She became an overnight phenomenon in 1992 after the movie was introduced. Moreover, she also went viral for her steamy Marilyn Monroe moment in Pehla Nasha song.
Her famous Madilyn Monroe moment in the track "Pehla Nasha"
After two years working in films, in 1994, Pooja Bedi got married to businessman Farhan Ebrahim Furniturewala. The two met in 1990. However, the marriage went downhill after nearly 10 years and they got divorced in 2003.
Farhan Ebrahim Furniturewala and Pooja Bedi have two children, Alaya F who has recently debuted in Bollywood, and Omar.
The actress was considered the sex symbol of the 90s
Pooja Bedi daughter Alaya F debuted in the industry in Jawaani Jaaneman alongside Saif Ali Khan and has been on the table of netizens for her beauty and budding talent. The young actress is said to take after her mother a lot, and they are both beautiful.
>>> Don't miss: Pooja Bedi Daughter - Get To Know The Fresh New Force Of Bollywood
It is safe to say that Alaya F is lucky as she got it from her mama
Besides movies, Pooja Bedi also worked in television. She debuted on TV in 2006 in Jhalak Dikhhla Jaa 1 and then took part in other shows like Fear Factor: Khatron Ke Khiladi, Nach Baliye 3, Bigg Boss 5.
While working on television, Pooja Bedi relationship also went on a rollercoaster journey. She started dating Hanif Hilal after they met in Jhalak Dikhhla Jaa. They even joined Nach Baliye 3 together.
She had whirlwind romances before getting engaged with her now fiance
Pooja Bedi then was a part of Bigg Boss 5 where she and Akashdeep Saigal met. They also dated for a period of time.
Now, the diva is in a committed relationship with Maneck Contractor. The two just got engaged last year.
Pooja Bedi on the calendar of 30 years ago
Pooja Bedi has stayed away from the big screen for quite a long time now. And for the unversed, there was a time she made huge headlines not only by her boldness in appearance but also by the controversies she was embroidered into.
Pooja Bedi's condom ad with Mark Robinson was a shock to many Indians
It is known that India has inhibited TV channels from broadcasting condom advertisements from 6 am to 10 pm every day as the government thinks it is not appropriate for children. Long before the ban, an ad of KamaSutra featuring Pooja Bedi and model Mark Robinson sent the whole nation along with its politicians into shock.
In 1991m the former actress worked in a condom ad that got banned on Doordarshan and other channels refused to air it. They said it was dirty and uncomfortable although this condom campaign of Kama Sutra was aimed to raise awareness for AIDS.
The diva has a timeless beauty and no one can deny that
On Pooja Bedi birthday, we Starbiz would like to send her the best wishes!
Kamasutra Condom featuring Pooja Bedi
#Pooja Bedi#Pooja Bedi birthday#Alaya F#bollywood actress bikini
8 Best Gujarati Movie Download Sites That Offers You Free And...


Feb. 1 (UPI) -- Tom Hanks celebrated on Instagram his final recording session as Woody in Disney and Pixar's upcoming animated sequel, Toy Story 4.
"Final line, final session as Woody of Toy Story 4. We rode like the wind, to infinity and beyond. Hanx," the actor said on Thursday alongside a photo of himself in the recording booth.
Toy Story 4 is set to arrive in theaters on June 21.
Hanks' co-star Tim Allen who voices Buzz Lightyear in the Toy Story series, also posted about his final recording session on Twitter on Wednesday.
"Finished my Buzz for Toy Story 4 today and it got emotional. Wonderful full body story," Allen said. "You are all going to love the work this incredible team at Pixar created. We are all going to love this story....man its got everything."
Woody and Buzz first returned in a teaser trailer released in November that also featured Jessie, Mr. and Mrs. Potato Head, Slinky Dog, Rex and Hamm alongside a new character named Forky that is being voiced by Tony Hale.
The film will also feature Keegan-Michael Key and Jordan Peele of Key & Peele fame voicing two new characters Ducky and Bunny respectively, along with the return of Bo Peep.


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LaFree and Freilich lead effort in bridging criminology and terrorism studies
New Book: The Handbook of the Criminology of Terrorism
October 24, 2016Brooke Blankenship
Highlighting the work of many START researchers, a new book explains the origins and evolution of terrorism from a criminological perspective. Edited by START's Gary LaFree and Joshua Freilich, "The Handbook of the Criminology of Terrorism" covers broad themes that include terrorism's origins, theories, methodologies and types, and its relationship to other forms of crime, terrorism and the criminal justice system.
The book features a collection of essays that broaden the discussion of terrorism research beyond political science and psychology.
"When we set out to compile this handbook, our main goal was to make it the source that researchers and policy experts would turn to for expert knowledge on criminological theories, methods, and research on understanding the human causes and consequences of terrorism," LaFree said.
Gary LaFree is a Distinguished Scholar and Professor of Criminal Justice and Criminology at the University of Maryland.
Joshua Freilich is a member of the Criminal Justice Department and the Criminal Justice PhD Program at John Jay College.
"The Handbook of the Criminology of Terrorism" is part of the Wiley Handbooks in Criminology and Criminal Justice series. It is available for purchase on both Wiley and Amazon. Click here for more information.
Investigators:
Gary LaFree
Joshua Freilich


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Category: California Privacy Law
Posts about California Privacy Law by Professor Daniel J. Solove for his blog at TeachPrivacy, a privacy awareness and security training company.
California Privacy Law for the World: An Interview with Lothar Determann
For the first half of 2018, all eyes were focused eastward on the EU with the start of GDPR enforcement this May. Now, all eyes are shifting westward based on a bold new law passed by California. By January 1, 2020, companies around the world will have to comply with additional regulations related to the processing of personal data of California residents. Pursuant to the California Consumer Privacy Act of 2018, companies must observe restrictions on data monetization business models, accommodate rights to access, deletion, and porting of personal data, update their privacy policies and brace for additional penalties and statutory damages. The California Legislature adopted and the Governor signed the bill on June 28, 2018 after an unusually rushed process in exchange for the proposed initiative measure No. 17-0039 regarding the Consumer Right to Privacy Act of 2018 (the "Initiative") being withdrawn from the ballot the same day, the deadline for such withdrawals prior to the November 6, 2018 election.
Below is an interview with Lothar Determann, a leading expert on California privacy law. He has a treatise on the topic: California Privacy Law (3rd Edition, IAPP 2018).
July 17, 2018 / Posted in California Privacy Law, CCPA, Consumer Privacy, Interviews, Privacy, Privacy Incidents, Privacy LawsTagged California Consumer Privacy Act, California Privacy Law, CCPA, Privacy
The California Consumer Privacy Act of 2018
In the period of just a week, California passed a bold new privacy law — the California Consumer Privacy Act of 2018. This law was hurried through the legislative process to avoid a proposed ballot initiative with the same name. The ballot initiative was the creation of Alastair Mactaggart, a real estate developer who spent millions to bring the initiative to the ballot. Mactaggart indicated that he would withdraw the initiative if the legislature were to pass a similar law, and this is what prompted the rush to pass the new Act, as the deadline to withdraw the initiative was looming.
The text of the California Consumer Privacy Act is here. The law becomes effective on January 1, 2020.
There are others who summarize the law extensively, so I will avoid duplicating those efforts. Instead, I will highlight a few aspects of the law that I find to be notable:
(1) The Act creates greater transparency about the personal information businesses collect, use, and share.
(2) The Act provides consumers with a right to opt out of the sale of personal information to third parties and it attempts to restrict penalizing people who exercise this right. Businesses can't deny goods or services or charge different prices by discounting those who don't opt out or provide a "different level or quality of goods or services to the consumer." However, businesses can do these things if they are "reasonably related to the value provided to the consumer by the consumer's data." This is a potentially large exception depending upon how it is interpreted.
(3) The Act allows businesses to "offer financial incentives, including payments to consumers as compensation," for collecting and selling their personal information. Financial incentive practices cannot be "unjust, unreasonable, coercive, or usurious in nature." I wonder whether this provision will undercut the restriction on offering different pricing or levels of service in exchange for people allowing for the collection and sale of their information. Through some clever adjustments, businesses that were enticing consumers to allow the collection and sale of their personal data through different prices or discounts can now restructure these into "financial incentives."
June 29, 2018 / Posted in California Privacy Law, CCPA, Consumer Privacy, Cybersecurity, Data Breach, Data Privacy, Data Security, Privacy, Privacy LawsTagged California Consumer Privacy Act, California Privacy Law, CCPA, Privacy
The Battle for Leadership in Education Privacy Law: Will California Seize the Throne?
This post was co-authored by Professor Paul Schwartz, Berkeley Law School.
Education was one of the first areas where privacy was regulated by a federal statute. Passed in the early 1970s, the Family Educational Rights and Privacy Act (FERPA) was on the frontier of federal privacy regulation. But now it is old and ineffective. With the growing public concern about the privacy of student data, states are starting to rev up their engines and become more involved. The result could be game-changing legislation for the multi-billion dollar education technology industry.
April 7, 2014 / Posted in California Privacy Law, Cloud Computing, Department of Education, Education Privacy, Enforcement, FERPA, HHS, HHS Office for Civil Rights, HIPAA, New DevelopmentsTagged Cloud Computing, Department of Education, Enforcement, FERPA, HHS, HIPAA


Catherine, of The Dabels Divulge, shared what went on at her house one morning.
And then this note comes flying in under the door.
So of course I checked yes and unlocked the door.
The things you have to do for a Pepsi these days.
Leanne Shirtliffe (a.k.a. Ironic Mom) is the author of THE CHANGE YOUR NAME STORE (2014) and NO MORE BEIGE FOOD (2016). She also wrote humor books DON'T LICK THE MINIVAN: Things I Never Thought I'd Say To My Kids and MOMMYFESTO. She and her family live in Calgary, Alberta because they like complaining about the weather.
Posted on October 28, 2013, in For Moms, Notes, Writing in Weird Places. Bookmark the permalink.	12 Comments.
haha.. that is so cute!!!!
Kids say the funniest things, so cute isn't it?
Hee, that is so cute????
I see you love Pepsi lol She pulled the I am gonna get what I want card, how they learn quickly.


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Galveston distance to Bloomington
How far is Galveston from Bloomington?
Distance by Flight
Shortest distance between Galveston and Bloomington is 99.28 miles (159.78 km).
Flight distance from Galveston, IN to Bloomington, IN is 99.28 miles. Estimated flight time is 00 hours 14 minutes.
It takes 00 hours 12 minutes to travel from Galveston to Bloomington with an airplane (average speed of 550 miles).
The driving distance from Galveston, Indiana to Bloomington, Indiana is: 116.67 miles (187.76 km) by car.
Driving from Galveston to Bloomington will take approximately 02 hours 15 minutes.
#1 Galveston
Town in Indiana, United States
40°34'44"N 86°11'25"W
#2 Bloomington
County seat of Monroe County, Indiana, United States
39°9'55"N 86°31'35"W
Starting point in Galveston: West Jackson Street (-86.19027,40.578853)
Ending point in Bloomington: South Indiana Avenue (-86.52691,39.165322)
Estimated Travel Time Between Galveston and Bloomington
The distance between Galveston and Bloomington is 188 km if you choose to drive by road. You can go 02 hours 05 minutes if you drive your car at an average speed of 90 kilometers / hour. For different choices, please review the avg. speed travel time table on the below.
There is no time difference between Galveston and Bloomington. The current time is 10:56:41.
30 mph (48.3 km/h) 03 hours 53 minutes
40 mph (64.37 km/h) 02 hours 55 minutes
70 mph (112.65 km/h) 01 hours 40 minutes
75 mph (120.7 km/h) 01 hours 33 minutes
Gas Consumption
A car with a fuel efficiency of 8.3 l/100 km will need 15.58 liters (4.12 gallon) of gas to cover the route between Galveston and Bloomington.
The estimated cost of gas to go from Galveston to Bloomington is $13.56 (diesel $15.06).
Take a look at our Gas Cost Calculator feature. It will figure out how much it will cost to drive this particular distance.
The average gas price per gallon of daily gas for calculations is $3.295 (Diesel $3.657) /gallon. Last changed prices on January 17, 2022.
How did we calculate the distance?
The place names are translated into coordinates to approximate the distance between Galveston and Bloomington (latitude and longitude). Cities, states, and countries each have their own regional center. The Haversine formula is used to measure the radius.
Distance to Other Cities
Saint Joseph, IN
Driving distance from Saint Joseph, IN to Galveston 169.89 miles (273 km)
02 hours 49 minutes.
Driving distance from Carmel, IN to Galveston 46.58 miles (75 km)
Driving distance from Evansville, IN to Galveston 231.52 miles (373 km)
Driving distance from Fishers, IN to Galveston 53.32 miles (86 km)
Driving distance from Greenwood, IN to Galveston 79.14 miles (127 km)
Driving distance from Indianapolis, IN to Galveston 69.6 miles (112 km)
Driving distance from Terre Haute, IN to Galveston 139.81 miles (225 km)
Driving distance from Fort Wayne, IN to Galveston 82.39 miles (133 km)
Gary, IN
Driving distance from Gary, IN to Galveston 120.78 miles (194 km)
Portage, IN
Driving distance from Portage, IN to Galveston 103.83 miles (167 km)
Driving distance from South Bend, IN to Galveston 83.94 miles (135 km)
City of Gary, IN
Driving distance from City of Gary, IN to Galveston 122.44 miles (197 km)
Gas Cost Calculator
Gas/Fuel Price per Gallon
Fuel Efficiency (MPG)
Trip Distance Miles
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You Could Now Own Meghan Markle's Engagement Ring — Well, Sort Of
Updated: Sep 26, 2018 12:37 pm·
What a beauty! Meghan Markle and Prince Harry's royal engagement was announced to the public on Nov. 27, and ever since, Meghan has been flashing her stunning ring from the red-headed royal! But now, you could flash it too! That's right, Meghan's bling could soon be yours — well, sort of.
Buckingham Palace is now selling a replica of the Duchess of Sussex's bauble — the same one Harry proposed to Meghan with over roasted chicken at Nottingham Cottage last fall. The website's description of the ring says, "The design of this new statement range, is inspired by the engagement ring of Meghan Markle. This three crystal ring is made of sparkling crystals set on palladium plated metal. This can be worn as part of a set with matching earrings and pendant. Adjustable band." The best part? The piece of jewelry will only cost you £30.00 or $40. Not a bad deal, if you ask us!
The design of this statement range, is inspired by the engagement ring of Meghan Markle. 💍 . . . #windsorcastle #windsorcastleshop #buckinghampalace #buckinghampalaceshop #holyroodpalace #holyroodpalaceshop #royalgifts👑 #royalgifts #royalgiftshop #royalfamily #royalwedding #meghanmarkle #engagementring #celebration | www.royalcollectionshop.co.uk
A post shared by @ buckinghampalaceshop on Sep 24, 2018 at 12:39am PDT
The actual ring — which is seriously gorgeous! — features a plain band with a large diamond and two smaller diamonds on both sides. The two smaller stones are from Harry's late mother Princess Diana's personal collection (so sweet!) and the other stone is from a country called Botswana. We wish Harry would have proposed to us with that thing!
The royal statement about their engagement was released earlier that day back in November. "His Royal Highness The Prince of Wales is delighted to announce the engagement of Prince Harry to Ms. Meghan Markle. The wedding will take place in Spring 2018. Further details about the wedding day will be announced in due course," Harry's father, Prince Charles, shared at the time. "His Royal Highness and Ms. Markle became engaged in London earlier this month. Prince Harry has informed Her Majesty The Queen and other close members of his family. Prince Harry has also sought and received the blessing of Ms. Markle's parents. The couple will live in Nottingham Cottage in Kensington Palace."
In addition to Harry's family, Meghan's parents couldn't have been happier for the pair as well. "We are incredibly happy for Meghan and Harry. Our daughter has always been a kind and loving person. To see her union with Harry, who shares the same qualities, is a great source of joy for us as parents," they said in a statement last fall. "We wish them a lifetime of happiness and are very excited for their future together."
Meghan, 37, and Harry, 34, began dating in August 2016 and Harry publicly confirmed their relationship in early November of that year. However, they just made their first official public appearance together during the 2017 Invictus Games in September. The two tied the knot on May 19, 2018, during one of the most memorable royal weddings, well, ever. On that day, Meg also received an even more beautiful wedding ring! Hopefully we can get our hands on a replica of that soon, too!
Join our Facebook group for the latest updates on Kate Middleton, Prince William, and all things royal!
More in Royals
Meghan Markle Reportedly 'Goes Incognito' When She Shops At Whole Foods
Harry and Meghan's Security Code Names Have Allegedly Been Revealed — See What They're Called!
Meghan Has Cutest Reaction To Seeing Her Wedding Dress For First Time In New Royals Documentary


OLPC: How do we gauge success? Will 490,000 units do?
Home > Blogs > Russell McOrmond's blog > OLPC: How do we gauge success? Will 490,000 units do?
Larry Dignan BLOGS on ZDNet  about the OLPC, including the fact that the Give 1 Get 1 program has been extended to the end of the year.
Whether Microsoft offers Windows for $3 or offers to subsidize the laptop doesn't really matter, given the business model Microsoft has chosen is fundamentally incompatible with education.


HomeBlogSo… what is a "Greenhouse Church"?
2. Invite a planter to share their vision with your board and church.
Who are the planters in your vicinity? Consider this option as a great way to encourage church planters and cast vision to your people in the process.
3. Pick a planting couple and financially support them.
Salaries are rarely stable in church planting. Sacrificial and generous giving from churches and individuals, up and above our regular offerings, is an amazing gesture of Christian unity.
4. Pick a church plant and give them a one-time gift.
A new church always has equipment needs such as office supplies, sound, A/V, children's ministry equipment. Call or email a church planter and ask about current needs, and then see what needs your church might be able to meet.
5. Send a planting couple out to dinner or on an overnight retreat as an encouragement.
Planting is difficult and lonely work. The simple act of a gift like this can really encourage a planting couple. Plus, you never know what kind of friendship you might be able to build with a planter through a kind and generous gesture like this.
6. Encourage your congregation to hold a "baby church shower" for a plant.
Give them gifts for their startup (office supplies, a/v equipment, etc.). Planters can put together a "registry" of items they need, if this is something your church would like to do.
7. Plan to put church planting as a line item into your next budget.
Where your treasure is, there your heart will be. One of the best ways to encourage church planting is to talk about it in your church, share inspiring stories, and start budgeting for it.
8. Send team members from your church to participate in a church plant.
God owns everything and we are managers. Please consider sending the leaders God has called from your church to plant a new work.
9. Use your church facility for church planting teams, services, or training.
Allow a church plant to use your facility for team meetings, events, or even services if the room isn't in use at that time. Consider hosting a church planting training event at your church.
10. Develop and deploy a planter and team from your church to start a new work.


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