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Army modernization evaluation ensure Soldiers are properly equipped to fight
By Vanessa Flores, U.S. ArmyMay 18, 2016
FORT BLISS, Texas (May 17, 2016) -- Over 5,000 people from across the country contributed to the Soldier-led Network Integration Evaluation that came to completion, May 14.The Army's eleventh iteration of the Network Integration Evaluation, or NIE 16.2, was executed in the unique environment between Fort Bliss, White Sands Missile Range, New Mexico, and Holloman Air Force Base. This complex terrain offers Department of Defense controlled airspace, extensive maneuver areas, and drop zone locations for airborne operations; creating a realistic and challenging operational environment to develop and evaluate the Army's network capabilities.The testing or evaluation of a total of 16 systems occurred during NIE 16.2. These systems contribute to the Army's continuing priority of equipping Soldiers to fight, by enhancing expeditionary network and mission command capabilities.System competencies that Soldiers assessed included simplification of the network and beyond-line-of-sight communications, as well as a command initiated anti-personnel system.As a result of NIE 16.2, industry partners and programs of record will utilize critical feedback gained from Soldiers, allowing them to make improvements to their systems and informed programmatic decisions. Some systems may go through multiple NIEs to decrease vulnerabilities and align with Soldiers' needs."Trying to mitigate known or any potential vulnerabilities is one of the objectives to be gained from this exercise," said Col. Terrece Harris, director, Capability Package Directorate. "We put the systems out with some of the known issues, apply patches developed by the engineers and programmers and see if they respond or work as intend."Before the start of any NIE, Capability Package Directorate, or CPD, a part of the Army's System of Systems Engineering and Integration Directorate, designs the vehicles, integrates the systems, and ensures all the equipment is ready for the evaluations.Once the network is validated and the exercises begin, CPD transitions to a support role, allowing Soldiers to operate the equipment on their own, but at the same time providing field support as needed, as well as supportability and sustainment feedback to the respective Program Executive Offices and Program Managers.For example, having multiple new communications capabilities on a single platform leads to challenges that engineers must work to mitigate. Systems are typically designed individually, with designers not necessarily considering the integration aspect of how their system would operate within a system of systems environment. NIEs bring multiple systems together on one platform; when size, weight, and power become integration factors."From an integration perspective, every NIE and AWA (Army Warfighting Assessment) presents unique challenges for us," Harris said. "A cornerstone of what we do is look for innovative and efficient ways to put capabilities on common and newly developed platforms."Due to the NIE's unique system of systems integration approach, the Army's tactical radios, energy solutions, and many other technologies have been able to advance in ways that are beneficial to Soldiers and the network.AWA 17 will be the next modernization event, occurring this fall. Concepts and capabilities will make their way back to the Fort Bliss, Texas desert. International partners and sister services will also participate, ensuring their capabilities, as well as personnel, are as integrated and interoperable as can be.
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Army modernization evaluation concludes, ensuring Soldiers are properly equipped to fight


The owner of Time Inc in the US is looking to sell Time, Fortune, Sports Illustrated and Money magazines, saying the titles are "better suited for success with a new owner".
Meredith bought Time Inc in November last year for $2.8bn (£2bn).
Last month it sold Time's UK arm, which publishes about 50 titles including Woman's Weekly and the now online-only NME, to a London-based private equity firm for an undisclosed sum.
Meredith, which has a portfolio of lifestyle magazines and local broadcasters in the US, said it had decided to "explore the sale" of the four brands following a review of its portfolio of titles.
The company's chief executive Tom Harty said the titles were had a "strong consumer reach," but he added: "They have different target audiences and advertising bases, and we believe each brand is better suited for success with a new owner.
Meredith said it would not comment further "until potential agreements have been reached". The company also recently sold Golf magazine.
As part of its plans to make up to $500m in "cost synergies", by removing duplication and consolidating operations following the buyout, Meredith has announced major staffing cuts.
The company said in a statement that 200 employees had already been told that their "positions have been eliminated". Another 1,000 positions are also set to go over the next ten months.
Meredith is set to unveil a new sales and marketing strategy this month that it said "fully leverages its new powerful media portfolio".


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Aloe Barbadensis Gel. Dihydroxyacetone, Caramel, Propanediol, Beta Vulgaris Powder (Beet Root), Cocamidopropyl Betaine, Gluconolactone, Sodium Benzoate.
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This product does not contain sunscreen and does not protect against sunburn.
Repeat exposure of unprotected skin while tanning may increase the risk of skin ageing, skin cancer, and other harmful effects to the skin, even if you do not burn.
Below are reviews of TanOrganic Try Me Kit by bodykind customers. If you have tried this product we'd love to hear what you think so please leave a review.


Spring seasonal eating calls for increasing trips to the farmer's market, steamed vegetables, dark leafy greens to nourish liver blood. . .
At my aunt's farm near Birch Hills, SK.
Winter marks the days from December 21st - March 20th.
This post highlights how to be with winter as an opportunity to embrace slowing down and conserving so that we may freely flow forth with seeds of potential into Spring and make manifest the active energy that it has to offer. We'll focus on kidney processes in harmony and disease, mental-emotional correspondences, and how to take care of your kidney health, physically, mentally, emotionally, and spiritually. . .
Early cold symptoms indicate that one's defensive qi (wei qi) has been invaded by either heat or cold carried by wind pathogens, for example a virus carried by a draft. The lungs govern wei qi which guards our outermost boundary; it is relative to immune protection and resides within the skin and superficial meridians. . .
Pranayama, also known as breathing therapy, directly affects the mind-body through balancing the nervous system. Nervous system balancing benefits neuro-endocrine signalling, our cells, tissues, and organs, from head to toes, as the potent ripple effect of calm energy (expansion) replaces tension (contraction).
Intuitive eating requires kindness, awareness, clarity, and supportive decision-making. This doesn't mean cravings won't arise or that they can't be a part of your healing; it means you will reach a point where you can decipher and honour with tolerance emotional cravings, versus blood sugar swings, versus true hunger. . .
Certain areas of your face may be related to specific organ, musculoskeletal, and meridian imbalances. It's clues like these that lead to an acupuncture treatment plan, diet, and lifestyle suggestions.
For skin concerns registered acupuncturists gather internal and external information to come up with a treatment plan that addresses your goals. We assess signs, symptoms, take your pulse, look at your tongue, the colour of your skin, meridians involved, microsystem observation, and gather information about your diet and lifestyle. . .
Our environment, diet and lifestyle routines, as well as stress and emotional health have an influence on our circadian rhythm or biological clock. Our circadian rhythm has a profound effect on hormone regulation, energy, restful sleep, and digestion. . .
Dampness is a common TCM syndrome pattern, with signs and symptoms such as: bloating, indigestion, water retention, heaviness, fatigue, mental fogginess, sluggish metabolism, cysts, leucorrhea, achey joints, and stool inconsistency. Related western diagnoses that contain elements of damp include hormone imbalances such as hypothyroidism and PCOS, as well as chronic fatigue syndrome, CIRS, diabetes, IBS, SIBO, candida overgrowth, and weeping skin conditions. . .
It's not willpower, it's biochemistry. The amount and type of food you eat affects the balance of brain chemistry, hormones, and blood sugar levels. Your nutrient dense meals should contain enough essential fatty acids (good quality fats) and amino acids (via quality protein) to build sufficient serotonin (happy hormone) and dopamine both of which help you inhibit food cravings (particularly carbohydrates). Set yourself up to manage cravings by resetting your neurohormonal dashboard. . .
Nutritional ketosis is a high fat, moderate protein, and low carb way of eating that shifts the body from a glucose (sugar) burning state into a fat burning state, thus utilizing healthful ketones that are produced by fat stores and fats from food. . .
Cosmetic Acupuncture works by stimulating Acupuncture points along energy meridians in the face with tiny dermal needles. This process brings qi and blood to the skin to promote vitality and a radiant glow. Stimulation of nerves and cell tissue micro-traumas increase circulation, lymph drainage, and nutrients to the face while boosting the production of collagen and elastin to tighten skin. . .
Auricular acupuncture is considered a microsystem while the ear is a microcosm of the whole anatomical body. The head is represented by the lower ear lobe, the feet are at the top of the ear and the rest of the body is in between. This is one of the more widely used microsystem therapies used in eastern medicine. . .
Whole foods are a foundation for good health; foods in their most natural or unrefined forms. They offer us energy in the form of macronutrients (carbohydrate, protein, and fat), and micronutrients (vitamins, minerals, and enzymes), along with antioxidants (phytochemicals). Real food communicates with our bodies to prevent and reverse disease and ageing while creating a state of dynamic balance and health within us. . .
A selection of local acupuncture points for seasonal allergies. I normally choose 2 - 3 local acu-points, an ear point, as well as distal points that treat both allergies and constitutional imbalances.
According to Chinese medicine, allergy symptoms such as sinus congestion, fatigue, hay fever, runny nose, and scratchy throat, arise due to imbalances within organ and meridian systems. Repeated exposure to allergy triggers perpetuate imbalance and may stem from a variety of sources such as environmental pollen and toxins, stress, constitutional deficiencies, hygiene, and diet. Our bodies must have an adequate amount of Wei Qi (defensive qi) circulating within our meridians in order to stay healthy. . .
Cupping is an ancient Chinese medicine therapy that uses suction by means of heat and formed glass to pull muscle tissue upwards. A variety of sized cups may be applied on the back and/or moved along the affected meridian (channel pathway) to improve blood circulation, lymphatic drainage, detoxification, to expel colds, and to release fascia. . .


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A Low Carbon Future
About Infinis
Captured Landfill Methane
Captured Mineral Methane
Power Response
Generation Activities Engine Services Knowledge Centre Contact Us Join Us Vacancies
Generation Activities
Half year review to 30 September 2021
Generating a Low Carbon future
"Growing Infinis into a more diversified renewable and low carbon energy portfolio, focused around our core
expertise and strong platform, to create long-term value and a sustainable future"
Half year review
Infinis Energy Group Holdings Limited ("Infinis" or the "Group") publishes its half-year update for the six-month period from 1 April 2021 to 30 September 2021 (the "period").
The principal activity of the Group is the generation and sale of renewable low carbon electricity in the UK across the following divisions.
Captured Landfill Methane ("CLM") and Captured Mineral Methane ("CMM") - Infinis captures methane in a controlled way by applying a suction through a network of installed pipelines and gas wells on 100 landfill sites (CLM division) and on 16 redundant coal mines (CMM division). Modular gas reciprocating engines then use the methane as a fuel source to generate renewable electricity. Methane is around 25 times more harmful than carbon dioxide to the atmosphere. By capturing methane, Infinis is providing an important role in protecting the environment.
Power Response ("PR") - PR operates from 30 sites, providing highly responsive power connected through the local distribution network using mainly natural gas to power modular gas reciprocating engines. PR supports the UK's growing intermittent renewable power generation, mainly wind and solar, by providing responsive and efficient generation to grid.
The Group's first solar energy park became operational in April 2021. Solar uses interconnected photovoltaic panels to capture and convert solar energy from sunlight into electrical energy, and by using on site invertors the electricity is transmitted through local distribution networks.
Group performance
The six-month period to 30 September 2021 has seen significant price increases in all core energy commodities with power, carbon and gas ending the period broadly three times higher than at March 2021. This combination with projected tight supply margins over the near-term has driven liquid market power pricing to record highs. Strong market pricing creates future value opportunity for Infinis which is captured through the progressive forward hedging commercial strategy. COVID-19 remains a consideration and continues to be proactively managed to ensure the health, safety and wellbeing of our employees, and stakeholders. Most UK COVID-19 restrictions were lifted in July 2021 with the Northampton Head Office re-opening in September 2021 under a new hybrid home and office working model. As global economies re-open, the Group's supply chain has remained robust and by continuing to work closely and proactively with key suppliers the challenges associated with transportation, raw material shortages and associated pricing increases have been managed effectively.
Ofgem published their 'minded to' position on the Significant Code Review ("SCR") in June 2021 with further consultations issued in the period on the Capacity Market. Neither document presents fundamental new risks to the existing revenue streams of the Group with the SCR providing a perceived upside opportunity from its commitment to reduce the costs of access to new grid for future development projects. Outside of energy sector reform, Ofgem and BEIS have political pressure from certain parties to intervene and control energy costs to the consumer although to date the UK Government has rejected any form of market intervention.
Group performance (continued)
Climate change remains on the top of the Global Political Agenda. The COP 26 Climate Summit in November 2021 will increase focus on de-carbonising global industry and in particular the energy sector. As a low carbon generator capturing in excess of 7 million tonnes of methane per annum, Infinis remains well placed to support these goals.
Strategic progress
Infinis' strategy of growing into a more diversified renewable and low carbon energy portfolio continues and is aligned with the de-carbonisation of the UK power sector. The Group has continued to progress developing solar energy parks on existing CLM sites with one site receiving planning consent and a number of others expected to receive consent shortly.
Battery Energy Storage is an evolving strategy, and the Group is in the early stages of a development pipeline with two initial projects targeted to commence construction before the end of the financial year.
The Group delivered revenue of £73.2m in the period (six months to September 2020: £71.5m), an increase of £1.7m (+2.4%) compared to the six months to September 2020, converting to an EBITDA1 increase of £1.3m to £34.5m.
Cash generated from operating activities was £22.2m, a reduction of £6.5m versus the six months to September 2020 driven by timing of cash receipts. Net cash generated in the period reduced to £3.1m (six months to September 2020: £7.7m).
Analysis of divisional performance:
CLM exported power was 518GWh in the period (six months to September 2020: 556GWh), with a continued strong performance. Exported power was above management estimates and reduced by 6.8% compared to the prior period. Revenue decreased by 6.1% to £56.7m in the period (six months to September 2020: £60.5m). BSUoS ceased to be an embedded revenue stream at March 2020 with £3.1m reflected in the six months to September 2020. Offsetting this was CP19 ROC recycle revenue of £4.2m which was not recognised in the March 2021 annual financial statements but has now been confirmed by Ofgem. Adjusting for both factors, underlying revenue has declined by 8.5% in line with exported power decline. Gross profit (excluding depreciation) of £34.3m decreased by £1.9m compared to the prior period with ongoing cost control delivering a stable gross profit margin of 60.4% in the period, +0.5%pp above the prior period.
CMM exported power was 41GWh in the period (six months to September 2020: 57GWh). The 'Banking Strategy' trialled in H1 FY21 was extended to some larger sites in H1 FY22 which has driven the exported power variance. The increased banking of methane in H1 allows an increased number of engines to operate more efficiently at a higher load during the winter months and increases the profitability and cash generation of the division across the full year. Revenue for the period was £2.2m (six months to September 2020: £3.3m) with the £1.1m (-34%) revenue reduction mainly attributable to the reduction in exported power. Gross profit (excluding depreciation) reduced by £0.8m to £0.9m.
PR exported power was 68GWh in the period (six months to September 2020: 103GWh) reflecting fundamentally different market dynamics compared to the prior period. PR is traded based on the margin spread between power and gas over half hourly period day-ahead and intra-day. Gas pricing over the period to September 2021 averaged 91p/therm compared to 17p/therm. With a high correlation between gas and power prices, this resulted in a grossing up of revenue and cost of sales over the five months to August 2021 with gross margin (the key KPI for the PR division) being in line with budget. In September a combination of high plant unavailability on the UK Grid combined with 3 weeks of very low wind output placed significant constraint on UK supply allowing PR to deliver a record trading month whilst supporting UK Grid supply in this difficult period. This strong September trading drove an increase in gross profit (excluding depreciation) for the period to £4.9m (six months to September 2020: profit of £2.0m). Revenue for the period was £14.3m in the period (six months to September 2020: £7.7m) with margin growth of 65% above revenue growth driven by peak margin days across September.
Financial performance (continued)
A change to the main UK corporation tax rate to 25%, announced in the Budget 2021 on 3 March 2021, was substantively enacted on 24 May 2021. Consequently, the Group has adjusted its deferred tax liability to 25% resulting in an £11.5m charge to the Income statement and driven a total tax charge of £10.8m. The Group projects to have no corporate tax liability for FY22 full year and has therefore not made any interim payments on account to HMRC (six months to September 2020: £1.7m).
Liquidity and capital structure
At 30 September 2021, the Group had £13.4m of cash resources (31 March 2021: £10.2m). The Group continues to service its £206.0m secured loans and maintains an undrawn RCF of £39.0m at 30 September 2021.
The Group paid interest of £5.0m on its shareholder loan in the period (six months to September 2020: £8.6m). The Group's financing arrangements are consistent with that set out in the annual report and accounts for the year ended 31 March 2021 of Infinis Energy Group Holdings Limited.
Under Section 172 of the Companies Act 2006, the Directors of the Company have a duty to promote the success of the Company for the benefit of shareholders as a whole, having regard to a number of broader matters including the likely consequence of decisions for the long term, the need to act fairly between members of the Company, and the Company's wider relationships.
The Directors consider the effect of s172 in all of their decisions and the impact on any of the specified groups. The Directors consider the interests of all stakeholders, including the impact of the Company's activities on the community and environment, when making decisions. The Directors, acting fairly between members, and acting in good faith, consider what is most likely to promote the success of the Company for its stakeholders in the long-term.
The Group's approach to stakeholder engagement is materially unchanged from the detailed assessment set out in the annual report and accounts for the year ended 31 March 2021 of Infinis Energy Group Holdings Limited.
Principal risks and uncertainties
The Company adheres to the risk management policy of the Infinis Group which is headed by Infinis Energy Group Holdings Limited, details of which are set out in the consolidated accounts of that company.
The Infinis Group's approach to risk management is continuous, collaborative and designed to eliminate or manage the risk of failure to achieve the Infinis Group's objectives. The Group Board exercises oversight of the risk management process at Board and Audit Committee meetings.
The Infinis Group has a well-established risk management process that is embedded in management processes, responsibilities and culture. It is proactive and designed to instil the principles of the risk management policy at functional level through a process of self-assessment and certification.
The Infinis Group's risk management process and the principal risks and uncertainties, including consideration of the impact of Covid-19, are materially unchanged from the assessment set out in the Annual report and accounts for the year ended 31 March 2021 of Infinis Energy Group Holdings Limited. These accounts are available on the website www.infinis.com or from the Company Secretary, First Floor, 500 Pavilion Drive, Northampton Business Park, Northampton, NN4 7YJ.
(1) EBITDA is a non-GAAP measure and is defined as earnings before interest, tax, depreciation, amortisation and operating exceptional items
More news from Infinis
HR Advisor vacancy
Infinis Communications Officer Vacancy
New Ling Hall Solar Park
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redpajama_set_name: RedPajamaCommonCrawl


SONDER Living San Francisco CA, catalog and prices. Are you searching for a quality furniture store you can trust? Our inventory changes often and we receive new items every week! Our large selection of furniture, fabrics and accessories allows our customers the freedom to explore their personal style. Enjoy a vast selection of custom sofa options and all other types of furniture. We also offer a great selection of trendy outdoor furniture so that your patio and yard can be just as elegant as your homes interior. Most of our items are in stock for immediate pickup, but we also offer fast delivery, often delivered the same day. We offer many collections of patio furniture and accessories representing the worlds most exclusive styles and trends in furnishings. Our showroom is constantly changing with new products as our stylists seek out the finest furniture at the best possible price. Please visit one of our stores or call us for more information. We will help you every step of the way, from pricing and research to delivery and installation. We ask that you contact us directly and visit our store to confirm information about pricing, color, features, dimensions, availability and special order lead times. Come visit us at our showroom, and allow us to introduce ourselves and our services.
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Business to business (B2B) is a go-to-market strategy where a business (the first "B"), the maker of a product(s) or service(s), sells and distributes its products and services to other businesses (the second "B").
B2B2C
Business to business to consumer (B2B2C) is a go-to-market strategy where a business (the first "B"), the maker of a product(s) or service(s), partners with an intermediary business (the second "B"), to sell and distribute its products and services to consumers (the "C", also known as shoppers, voters, patients, investors, people, connected individuals, etc.).
California Consumer Privacy Act.
CTIA stands for Cellular Telecommunications Industry Internet Association.
Decentralized identifier (DID), a key component of managing verified credentials within a decentralized identity network.
General Data Protection Regulation.
GRC stands for Governance, Risk & Compliance. It refers to a suite of capabilities that organizations are adopting to adhere to industry regulations like GDPR and CCPA.
See Personal Data Store.
Telephone Consumer Protection Act (47 U.S.C. § 227).


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Contact Us: Party Tents Direct is a distributor of commercial grade tents, tables, chairs and more. Our mission is to provide high quality, safe products for your party rental business. If you need any additional information, do not hesitate to call us at 1-888-291-4615. You can also contact us at [email protected]. Our knowledgeable representatives are here to help you put together package deals, assist with you shipping, or to answer any questions you may have.


We can't get enough of these bacon avocado egg salad sandwiches! Lunch won't ever be boring again!
For an easy peel hard boiled egg, see our recipe here.
In bowl, combine bacon, eggs, mayo, lemon/lime juice, parsley/cilantro, salt, pepper, mustard and optional spices (cumin and paprika). Gently combine well.
Add chopped avocado and combine into egg salad mixture. Smash the avocado to your desired texture.
Serve with crackers, on bread for a sandwich or on top of a salad.
This avocado egg salad sounds and looks delicious!! Yum.
Thanks so much! It's definitely a favorite lunch sandwich and salad.


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Financial intermediation costs & climate policy
Banking headquarters in Frankfurt, Germany: climate-friendly investment can be triggered more easily if the loan rate is not too far from the deposit rate. | Photo: Shutterstock/Canadastock
Frictions in Capital Markets could play a decisive role for the success or failure of Carbon Pricing – and Climate Policy in general.
Reducing greenhouse gas emissions to mitigate the adverse effects of climate change requires shifting investment from emission-intensive economic activities towards low-carbon or carbon free alternatives. The International Energy Agency's World Energy Outlook estimates that annual investments of 467 billion USD globally are needed until 2025; a synthesis from various large-scale assessment models finds that annual flows in low-carbon energy technologies of 895 billion USD are needed until 2050 to achieve the two degree Celsius preindustrial target.
According to the International Energy Agency (Chapter 6.2), roughly half of the investment in the power sector is undertaken by the private sector, which relies substantially on external finance, e.g. in form of loans. Particularly in developing and emerging economies, low-carbon or carbon free energy technologies are more expensive than fossil-based technologies, especially coal. Even in industrialized countries, market conditions are not sufficient to trigger such large investment flows to radically transform the energy system.
A key policy instrument is therefore to establish a price on carbon emissions to provide a price signal to reduce emissions at the lowest cost. This can be done via a tax on the carbon-content of fuels or via an emissions trading scheme. When firms form expectations about future carbon prices, they would invest more in low-carbon and zero-carbon technologies. When expected carbon prices are sufficiently high, global investment flows could approach the values needed to transform our economy in line with the ambition of the Paris Agreement of keeping warming "well below 2 degrees."
Economists have pointed out that to this date, coverage of carbon pricing remains fragmented, with only 22% of global greenhouse gas emissions regulated by a carbon pricing regime. Moreover, existing carbon price levels – even if energy and excise taxes are accounted for – are far too low to be consistent with the ambition of keeping global mean temperature rise below 2 degrees: almost 90% of the fossil energy is taxed or priced at a carbon rate below $40 per ton of CO2. A larger assessment based on various model approaches suggests that prices of $40-80 in 2020, and $50-100 in 2030, are needed to limit temperature increases to 2 degrees.
In our recent working paper, we show that even universal carbon pricing at levels that limit warming to 2 degrees in Integrated Assessment, or CGE models, might not guarantee the temperature goal in reality. The fundamental reason for this is that all existing models disregard the role of financial intermediation costs. As argued above, investment flows are enormous, so frictions in capital markets could play a decisive role for the success or failure of carbon pricing – and climate policy in general. This concern is supported by the empirical evidence on interest rate mark-ups of up to 40 percentage points (compared to the world average of 7.7 percentage points) and evidence on its effect on the costs of investments.
For our analyses, we extend a well-established dynamic equilibrium growth model with a multi-sector energy module by a financial intermediation sector. Banks collect savings from households and lend capital to firms. The loan rate and the deposit rate differs for two reasons: first, there are intermediation costs and second, monopolistic competition in the banking sector creates additional mark-ups.
We analytically derive various channels of how the banking spread affects the economy and carbon emissions. These can be grouped into two broad categories: macroeconomic effects (overall economic growth and energy demand) and sectoral re-allocation effects (see Table 1). The macro-economic impacts of the spread between the deposit rate and the loan rate tend to reduce carbon emissions because reduced saving, capital, and energy demand lower economic activity and energy use, thus leading to lower carbon emissions. Within the energy sector, however, interest rate spreads can have very different implications. In particular, the portfolio effect in the energy sector plays a prominent role: interest rate spreads shift the energy mix to the less capital-intensive technology. High loan rates translate to high costs of capital, which will register as an increased price for anything that is produced using at least some capital. But while the effect is dominant for examples of renewable energy, where capital cost make up the lion share of total costs, the effect is much less pronounced when other inputs are decisive for the overall costs. Compared to coal or natural gas power plants, wind and solar energy have more than twice the capital costs per Joule of energy produced. Hence, operating expenditures including fuel cost, dominate the costs of fossil energy production. The share of operating costs increases further when carbon pricing raises the cost of burning fossil fuels. But interest rate spreads also increase the costs in extractive industries and lead to a slower extraction path due to changed discounting.
Table 1: Eight channels of banking spread effects
Source: Lessmann & Kalkuhl (2020)
We then employ our numerical model calibrated to the global economy, first assuming no interest rate spreads. We set an upper bound on cumulative carbon emissions that is consistent with the two degree target. As part of an optimization procedure, the model determined the optimal carbon price to achieve this target over the 21st century at lowest discounted welfare losses. This carbon price can be considered as the price recommended by an integrated assessment, or CGE model, that disregards financial frictions. We then hold the carbon price fixed and increase the interest rate spread through an increase in intermediation costs.
Fig. 1 shows how the cumulative emissions respond to the interest rate spread. Despite lower economic growth and energy demand, cumulative emissions increase by up to 7 percent. Hence, if a very stringent carbon price is in place, emissions overshoot. The overshooting is, however, rather moderate as the macroeconomic effect dampens the emission increase of a more carbon intensive energy sector. If interest rate spreads become excessive (above 20 percentage points), slowed down economic growth dominates the carbonization effect in the energy sector and cumulative emissions decrease.
Figure 1: Impact of interest rate spreads (in percentage points) and cumulative carbon emissions for 2010-2100.
How can governments respond to this problem? An ideal measure would be to target directly the interest rate spreads and reduce them: high interest rate spreads can indicate financial frictions such as information asymmetries that make it difficult for banks to assess credit risk. High interest rate spreads may also be driven by other market failures such as concentration in the banking sector giving rise to excessive margins. Regulation could aim to lower information costs or encourage competition in the financial sector. When intermediation costs arise from functions and services of intermediation, for example screening and monitoring of debtors, or management of risk and portfolios, intermediation costs reflect real costs and the margin earned by the intermediator is a fair compensation. When more narrowly focusing on climate policy and the aim to keep cumulative emissions below a policy target, carbon prices need to adjust to reflect the distortion in the financial market. We can use our model to calculate required increases in carbon prices compared to the situation without interest rate spreads to still achieve the 2-degree-target. As Fig. 2 emphasizes, on average a moderate increase of about 10 percent is sufficient. But the required carbon price may be substantially higher during peak periods (for example in early periods), where a mark-up of up to 35% compared to the price in the frictionless model is required.
Figure 2: Carbon tax adjustment necessary to achieve original carbon budget, dependent on the interest rate spreads (in percentage points).
The transition to a low-carbon economy requires substantial investments, not least from the private sector. The financial sector has an important role to play in channeling private finance and reducing the costs of financial intermediation to a minimum. But remaining intermediation costs and financial frictions still distort price signals throughout the economy compared to what one would expect from the frictionless perspective of many economic models. Our analysis shows that the assessment of carbon pricing is sensitive to costly financial intermediation. Whether the effect of interest rate spreads support climate policy by reducing emissions or whether interest rate spreads dilute the impact of carbon pricing by tilting the energy portfolio towards fossil fuel combustion is not clear a-priori. Our modeling suggests that the latter effect may dominate for the relevant magnitudes of interest spreads, such that climate policy goals are overshot when intermediation costs are ignored. More stringent carbon pricing is one way to take such financial frictions into account. Technology policies, for example subsidies on low-carbon energy technologies or capital market instruments that incentivize low-carbon investment, may provide a more direct way to address the unveiled issue. It is an interesting question for further research to provide guidance on the optimal portfolio of policy instruments.
This post is adapted from the paper, "Climate Finance Intermediation: Interest Spread Effects in a Climate Policy Model," available here..
Published first on The FinReg Blog.
Prof. Dr. Matthias Kalkuhl is head of the MCC working group Economic Growth and Human Development and Professor of Climate Change, Development and Economic Growth at the University of Potsdam. He advised the German Ministry of Economic Cooperation and Development and contributed to the IPCC's Special Report on Renewable Energy Sources.
Dr. Kai Lessmann is head of the research group "FutureLab Public Economics and Climate Finance" at the Potsdam Institute for Climate Impact Research (PIK).
#CarbonPricing
#Klimapolitik
#ClimatePolicy


Most of my emp breaks! Sorry for the size of the image, but photobucket just won't let me upload the full 557x2948 pixel monster, and I'm too lazy to break it up into separate images.
nowai, Min's just copying me.
Thats a list of all your emp breaks?
If I had a list of my emp breaks, I'd probably only have two... possibly three. Not sure anymore.
so that's how much HP you have...!
Flygon.. u broke the emp? as a hunter? WAT.
Yeah, multiple times. Most of them were because no one was attacking us breaking the emp though.


Robert,just send me a friend request and i'll accept it.then i'll do my best to help you.just ask away.
I have done a lot of study lately on our Constitution and what our founding fathers had to say about their effort. They were convinced that what they had created was truly inspired by God. I too am equally convinced of it.


Discussion in 'The Lounge' started by manimal, Feb 8, 2008.
downhill66 and i were on a little street session downtown when we heard a puppy crying/yelping nearby. we looked around for the source and found an adorable rotty mix? puppy in a drained fountain. the poor thing couldn't get out and was obviously put there because there was no way it could have gotten in by itself. so..knowing what i know about the propensity for large breed dogs being used for fighting in the inner city...i decided that one of us should at least take it home, check it out and give it to someone who could take care of it. well, aaron got the "hell no" from his parents so that meant that i had to call the wife. the phone call went like this, "hey, don't go to bed yet, i have something to show you...." "you're not bringing home another dog are you?!!" "lol....hahahaha...yes"
we let her play with the chi-waaa-waa's (can't spell that stupid breed) and they warmed up to her fairly well but the cat still hasn't decided if she likes her or not and is keeping her distance.
The puppy looks so cute, I hope everything works out for her.
She looks to be well fed (ok not starving at least), and the fact that she was yelping to get out speaks to her being around humans and not a total stray. Was it a bad neighborhood?
THat must be one good woman to put up with a kid like you, raise the children and take care of 3 dogs. You make good decisions in life (seriously).
Yeah, but...how does it taste?
Really though, good job on the save. The puppy is lucky it had someone like you come along as opposed to some bored kids or someone that would treat it poorly.
Oh, By the way, Does Mrs Manimal kn ow your posting picstures of her in her PJ's on the Internet???
Cute pup and cute wife, you are a lucky man!
Those rat dogs will make a good meal for the new puppy.
Watch out that those rat-dogs don't kill that rotty....he might choke on them.
You've obviously never seen a Chihuahua in action.
They generally end up getting their way, size be damned.
What a cute puppy!!! Hope that "tough love" thing works out for ya...LOL!!!
That new puppy will get big enough for you to throw a saddle on and rent it out for rides at the county fair.
Seriously, nice job on the save.
I found this kitty living on my porch one day. Hobo was about 4 weeks old, respiratory infection, eye infection, infected flea bites, worms etc. Two weeks and $150 later he was good to go. As you can see, he is very good natured for a cat.
Nice job you are RM hero of the day.
well, the kids found her this morning in the kennel and "can we keep it?!!!" was the first phrase uttered.
i suppose it's not that big of an issue to keep her as we have yet to find a use for the fenced in dog lot that came with the house.
as you can tell, it's probably going to have something to do with barbie princess movie or a whatever piece of furniture is in the room when we make a decision poor dog.
I find paper towel oddly appealing.
I think saving a stray is a nice way to get a quick karma boost.
Paper towel for the win!
Keeping a stray is about the best thing ever.
we just did a family vote on "Dakota"
paper towel has too many syllables to call out.
Oh man, I wish you better luck than I have had with our ghetto dog rescue. My wife found ours as a cute puppy in a church parking lot.
His ribs were all showing and he looked so innocent.
He has been a complete trainwreck.
I have been around dogs my whole life and I have never seen one as high energy as this one.
You simply cannot keep him contained.
At first, he was just pushing himself under the fence.
So, I secured that, and now he is pushing himself THROUGH a chainlink fence........anytime he wants.
He has a 30 x 30 dog pen to run around in, and also a big fenced backyard. So he busts out of his pen first, then he busts out of the fence next. But he does not run off ever......dammit.
I will come home from work and he will be laying on the front steps chewing on a water bucket.
He is the recurring nightmare.
And when you do get in the fence with him, he is under the impression that you just stepped into the Octagon.
He bruises my arms from elbows to wrist, and he does it all while simply playing. He can jump at me, and I will knee him in the chest, and as soon as his paws hit the ground, he is back up with my tricep in his mouth. He's like lightening.
We actually took him to a 3 week dog training/boot camp school.
It really helped, as we have control of him now, but only when he is wearing a training collar and on a short leather leash.
His behavior is getting better now though as I continue to work with him. But the fence is an ongoing battle. I had to stay home from riding today, so I can add more reinforcement.
All that said, his only saving grace is his temperment.
That damn trainwreck is actually a sweet dog.
He shows no aggression toward our other dogs or cats, and as rough as we have gotten in the past, he never growls. Its all playtime to him. Its a sight to see, I am thinking about selling admission tickets.
Anyway, sorry for venting in your new puppy thread.
Paper Towel: 3 syllables spoken quickly.
You could also abbreviate it as "P.T."
congrats on your new dog. you know your not going to get rid of it.
Psssst dude! Hobo might be a member of Al Queida.
Given for saving it and more for keeping it.
Thats a sweet looking puppy you saved there. Doing something like that shows your true character.
we decided that we really can't provide this dog the proper attention and discipline it requires. our current 3 kids, 2 dogs and a cat already consume all of our attention and resources.
so...i'm asking around at work and with all of the fire dept. guys along with an ad on craigslist. i made sure to put in big letters that i'm a cop and will be screening prospective takers to ensure she's not used illegally.
the kids are all understanding and have enjoyed the time we've had w/ her so far. she's so energetic and playful, i hate to get rid of her but...you know how that goes.
Dude, that is exactly like our dog. My wife swears he can pick locks. We keep him inside mostly this time of year is bad because we can't drain his energy outside it's so messy. he's chewed through 2 crates already, 5 lbs of septic cleaner, 2 lbs of flower, 5 foam chair cushins, one time he got off his chain while we were out to dinner and he was sitting on our front porch with the entire garbage can he had drug over to the porch.
He's is super hyper energy dog but like yours he has great a disposition, we had a Halloween party this past year and he partied all night with us, he was looking up all the girls skirts the whole time, it's funny to watch the movie again and see all the girls running away from him.
Maybe we should start or own support group.
"The Jeremy and Stosh one star dog club" has a nice ring to it.
that the whole back of my hand was swollen, and had to be iced down. It wasn't a bite either, just an accident.....like a trainwreck.
I am in a screwed up spot with this dog. I have a pregnant wife who is really attached to him, but I can't have him jumping up on her.
Which honestly, he doesn't really do, he thinks I am his 180 pound chew toy instead.
My dog knows better than to jump on me but he does with all of our friends/relatives = annoying. Our daughter LOVES him, and she's only 7months old. He's pretty good with her mostly only licking her face however he always has his eye on the prize and when he sees me to get up or anything he's HAS to be right there with me and anything in his way he totally disregards. Anything he would ever do to our daughter I know would be totally accidental.
When is your wife do?
Have you tried wearing him down (i know I know)? Ever tried taking him for a bike ride? Can he handle not being on a leash?
She is due on July 25.
So I have some time to work with him.
Wearing him down works some, but he recovers like Landis Stage 17.
I have not tried a bike ride yet, but it is in the near future.
"bell" ring. And then Rocky and Drago square up again.


text:
Q: Storing Proc mean variables in SAS     proc means data=har.&seg_cell n mean std p1 p50 p99;
    class segment;
    var txn tpv;
    output out=stat_1 (drop = _TYPE_ _FREQ_)
    P1(txn)=txn_P1_T P1(tpv)=tpv_P1_T
    P99(txn)=txn_P99_T P99(tpv)=tpv_P99_T
    ;
    where POS_flag = &POS and cell=&gcell;
    title "Stat Summary - Test_POS";
    run;

    data har.&seg_cell;
    if _N_=1 then set stat_1;
    set har.&seg_cell;
    run;

I want to save the P1 P50 P99 for both TXN and TPV Segment wise(segment has 10 different names)  into  separate variables. But when ever I run this code only the overall(all segments)  P1 P50 P99 getting stored for all the rows.
what I want is depending on the segment that particula P1 P50 P99 should be added.
Please kindly help me with this and pardon me for my bad vocab.

A: You need to:

*

*Sort your source data set by segment

*Use the NWAY option to eliminate the "grand total" observation from the MEANS output data set (_TYPE_=0).

*Merge the output data set back to your source.

So, a complete solution should be something like this:
proc sort data=har.&seg_cell;
   by segment;
run;
proc means nway data=har.&seg_cell n mean std p1 p50 p99;
  class segment;
  var txn tpv;
  output out=stat_1 (drop = _TYPE_ _FREQ_)
         P1(txn)=txn_P1_T P1(tpv)=tpv_P1_T
         P99(txn)=txn_P99_T P99(tpv)=tpv_P99_T;
  where POS_flag = &POS and cell=&gcell;
  title "Stat Summary - Test_POS";
run;

data har.&seg_cell;
   merge har.&seg_cell stat_1;
      by segment;
run;

A: Try using by segment instead of class. Note you'll have to sort your dataset by segment first.

A: If you want the summary data for each segment merged into the proper rows, you will need to do a merge by instead of using if _N_=1.

redpajama_set_name: RedPajamaStackExchange


I am Eileen, a married mum with 3 teenagers, who are growing up very quickly. At one point I had 3 under 2 (thanks to having twins second time round!), so their childhood has been fairly hectic and at times very stressful!
I run online "Your Money, Sorted" courses, helping people to improve their lives, through managing their finances more effectively.
I am a PE teacher and have taught in a local secondary school for 23 years, but I have always had business ideas rolling round my head and have dreamt up many, many business that I could start. In 2007 I cut down my teaching to 2 days and started my own bookkeeping business, which I have run successfully since then.
However, I have always felt that there was a need to help people manage their money more effectively, but I could never quite work out how! I then stumbled upon Financial Coaching, which is very popular in the USA, and just felt that all the pieces had fallen into place. It is my dream job! I just LOVE what I do and really enjoy seeing the benefits that it can bring to my clients lives.
I am still teaching part time, which has meant that I am able to use the income from that to invest in my new business. I have also been working hard to keep the costs down, by taking advantage of the many free services that are available for businesses, both off and online. I do everything myself, which helps to keep the costs down, but that may need to change as I get busier and busier.
Once I have got the kids up, organised and off to school I spend a lot of time sitting at the PC. I love starting the day by responding to my client's posts and encouraging them as they work through the course. I also spend a lot of time on Facebook (most of it productive time!) scheduling posts and engaging with my followers in there. There are lots of admin tasks which need to be done, such as answering emails, scheduling networking events, doing my own bookkeeping (which is never up to date!) and the odd load of washing to put on!
I used to have a huge list of tasks that I needed to complete and I would always finish the day feeling dissatisfied that I STILL had a huge list of tasks. I now only plan a few tasks for each day and then I have a great feeling of satisfaction when I tick them off. The next day is a new day, with new tasks.
I love the fact that I am mostly at home when the kids come home from school and that I can take time off to attend events that they are taking part in.
I want to spread the word about my Your Money, Sorted courses – the feedback from previous clients is amazing and I want more people to benefit from the course. I would eventually like to give up teaching and work on my business fulltime – because I love it so much, that it doesn't even feel like work.
Get as much free business advice as you can – here, in Scotland, we have amazing help from Business Gateway. I cannot vouch for the equivalent organisations in the rest of the UK, but I would hope that they are a wealth of information too.
Also, keep an eye on the finances and think carefully about every financial decision you make before committing to anything in business. There are so many free business solutions out there, that if you take the time to search, you could save yourself a lot of money in the early days.


text:
1976 Alfa Romeo Montreal
2dr Coupe 8-cyl. 2593cc/227hp Spica FI
History of the 1970-1977 Alfa Romeo Montreal
Briefly, from the late 1960s through the mid-1970s, Alfa Romeo revived its interest in road racing, and the company's most successful car of the time was the Tipo 33. Rather than using the small-displacement, four-cylinder engine that so much of the company's post-war reputation was built upon, the Tipo 33 relied on a sophisticated 2.6-liter V-8.
In an effort to translate the small-displacement V-8 to a streetable product, in 1970 Alfa Romeo paired a version of the Tipo 33 power plant with the Giulia GTV platform, and clothed the whole package in a an striking Marcello Gandini 2+2 coupe design that first appeared as a concept car at Expo 67. Named the Montreal as a nod to the model's debut locale, the sleek coupe featured a NACA duct centered in the hood, louvered half headlight covers, and a vented C-pillar. All of these cues later became hallmarks of 1970s design in one form or another, but they looked wholly futuristic on the Montreal.
The Montreal changed little during its 1970-77 production run. Overall, the car is quite capable. Top speed is just shy of 140 mph, acceleration is more than adequate, and the car is a true GT that is at its finest on long, high-speed stretches. Knowing a Montreal expert, however, is a prerequisite, as the car features a number of parts specific to the model. Fewer than 4,000 were made, none of which were imported to the U.S. market through official channels, which can make parts sourcing time-consuming and expensive.
1976 Alfa Romeo Montreal Info
8-cyl. 2593cc/227hp Spica FI


The National Audit Office is the government's external auditor and supports Parliament in holding the government to account for its use of public money. In 2017, the NAO assessed the value for money of the government's deal to support construction of Hinkley Point C, the first new nuclear power station to be built in the UK for over 20 years. This talk will explain how the National Audit Office assessed the government's deal and what its report found. It will also set out the risks and opportunities for the government in taking forward both the Hinkley Point C project and its wider nuclear energy programme.
Simon manages value-for-money studies of government spending, specializing in energy. In 2017, he managed the NAO's value-for-money study on the government's deal for Hinkley Point C, which recommended that the government consider alternative models for financing new nuclear power stations. He has also reported on the government's most recent auction for contracts for difference and its competition for carbon capture and storage projects. Most recently he published a report on the costs of decommissioning the UK's oil and gas assets. In 2018, Simon was internally seconded to work on the NAO's Brexit programme and managed the report assessing the government's estimate of the cost of the financial settlement.


text:
Paige Mackenzie Hyland Bio
DID WE MISS SOMEONE?
CLICK HERE AND TELL US
WE'LL MAKE SURE
THEY'RE HERE A.S.A.P
Popularity Index
Social Media Stars #850
YouTubers #1670
Age: 20 Years, 20 Year Old Females
Sun Sign: Scorpio
Also Known As: Paigey Mack,Paige Hyland
Born Country: United States
Born in: Pennsylvania, United States
Famous as: Dancer, Model & Social Media Personality
father: Randy Hyland
mother: Kelly Hyland
siblings: Brooke Hyland (sister) & Josh Hyland
U.S. State: Pennsylvania
education: Franklin Regional High School
Brooke Hyland
Kelly Hyland
Paige Hyland is popularly known for her participation in the television dance series, 'Dance Moms.'She is a born dancer; she began her dance training at the age of two. Dance seems to run in the Hyland family's blood as her mother and siblings are excellent dancers as well. As a young teenager, she is confident and hardworking, thus it is no surprise that she has a mega fan following on Instagram with over three million subscribers. She is highly athletic and her best stylesareacrobatic and theatre dance. She is best friends with the popular Chloe Lukasiak, also a star of the same reality show.The two have been inseparable from the age of two and are also mistaken for twins as they share distinctly similar features. Paige has keen interest in modelling and has all the potential to make in big on the ramp.
https://www.instagram.com/p/B7oXOwJHMN9/
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When Paige was nine, she starred on the 'Dance Moms' reality show with her elder sister Brooke. Paige had been trained by the Abby Lee Dance Company since she was a little girl. Though she was considered the weakest member on her team by Abby in the reality show, she gained plenty of fans. Paige and her mother often spoke of Abby treating her indifferently; she allegedly didn't provide Paige plenty of opportunities to thrive in the show. And after the success of their first two seasons, her mother Kelly and Abby had an argument that turned ugly and Paige left the show, never to return to the dance series again. This young girl didn't let the unfortunate turn of events take over her life, she quickly reactivated her YouTube channeland posted videos with her family, largely comprising of question and answer sessions, dance uploads and routines. To her surprise she quickly acquired more than 550K subscribers, which hasn't stopped growing. In fact, she makes it a point to upload a new video to her page monthly. Thus, she keeps the content on her channel fresh and updated.
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What Makes Paige So Special
Paige is a beautiful, charming and talented girl. But what makes her so special besides the fact that she is an excellent dancer is that she is an obedient and hardworking girl. As a very young girl, Paige had seen a lot of ups and downs on 'Dance Moms', even days when she was brought to tears. Her mother in an interview stated that Paige had been subjected to 'negativity'; however she didn't let it overcome her. She continues to work hard and achieve the goals that she has set for herself. She is a brilliant student in class and loves maths. Along with being an endearing teenager, she is also a wonderful daughter and sibling. Her honesty makes her shine through.
Scorpio Women
Beyond Fame
After her fallout with the television show 'Dance Moms', she hasn't featured on any other television series. She is busy studying and aspires to graduate in Political Science. She has taken a keen fascination to sports lately and rigorously practices volleyball. Paige hasn't stopped dancing; she continues to learn dancing at different academies. When speaking to IBT about dance classes she said, "Different teachers teach different ways, so that's nice." This optimism reflects her love of learning. She continues to be in the limelight through YouTube but is currently focusing on her studies. In an interview she stated that she loves children and wants to grow up and open her own studio where she can teach dancing.
Behind the Curtains
She was born in Pennsylvania to Randy Hyland and Kelly Hyland. She has two siblings who possess the same passion for dance; Brooke, her elder sister and her elder brother, Josh. She shares a brilliant bond with both her siblings, but has fewer arguments with her brother as compared with her sister. Paige briefly dated Nick Kelly and uploaded pictures of them on Instagram but the couple parted ways thereafter. While dating,the two often broke up and patched up until their relationship finally ended. She is currently single and seems to be having a blast with her girlfriends, school life and her interest as a YouTuber.
After Paige underwent immense stress at the reality show 'Dance Moms', she filed a lawsuit against the producers of the show.
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Malcar Northwest provides a broad range of lighting services to the construction industry of Oregon and Southwest Washington. Our knowledgeable staff has the technical expertise to assist in many segments of the design process. Our mission is simply to be an expert resource committed to providing first-class service to the Pacific Northwest construction industry from design to installation.


text:
Q: Bar Button Item No Corner Radius I am trying to give this bar button item label a green background and then some corner radius.
    utcLbl.frame = CGRect(x: 0, y: 0, width: 100, height: 20)
    utcLbl.text = "\(dateFormatter.string(from: Date())) UTC"
    utcItem.customView = utcLbl
    utcLbl.backgroundColor = UIColor.green
    utcLbl.layer.cornerRadius = 20
    utcLbl.textAlignment = .center
    self.navigationItem.setLeftBarButtonItems([utcItem], animated: true)

here is the code and a picture

any help on getting the green background to have a corner radius.

A: You need to clipToBounds or masksToBounds
utcLbl.frame = CGRect(x: 0, y: 0, width: 100, height: 20)
utcLbl.text = "\(dateFormatter.string(from: Date())) UTC"
utcItem.customView = utcLbl
utcLbl.backgroundColor = UIColor.green
utcLbl.layer.cornerRadius = 20
utcLbl.textAlignment = .center
utcLbl.layer.masksToBounds = true // Or utcLbl.clipsToBounds = true
self.navigationItem.setLeftBarButtonItems([utcItem], animated: true)


text:
Chicago Reporter (https://www.chicagoreporter.com/the-plunder-of-black-wealth-in-chicago-captured-in-film/)
The plunder of black wealth in Chicago, captured in film
Black families in Chicago lost an estimated $4 billion due to predatory contract buying, a Duke University's Samuel DuBois Cook Center on Social Equity study found. Artist in residence Bruce Orenstein spoke to surviving victims.
By Bob Chiarito | June 5, 2019
More on Race and Culture
Subscribe to Race and Culture
In just two short decades — while the post World War II housing boom created the wealth of the white middle class — blacks in Chicago were ripped off to the tune of $4 billion on land sale contracts, a common practice at the time that has been since outlawed but whose damage is still felt.
A recent study from Duke University's Samuel DuBois Cook Center on Social Equity estimates that "the total amount expropriated from Chicago's black community due to land sales contracts is between $3.2 and $4 billion in today's dollars. The study, called "The Plunder of Black Wealth in Chicago: New Findings on the Lasting Toll of Predatory Housing Contracts," is the first report to put a dollar amount on the practice.
During a time when blacks could not get mortgages because of redlining, buying homes on contract gave the illusion of a mortgage payment without any protection. Simply put, it was often the only way for black families to buy a home in Chicago during the post-World War II boom. This practice followed redlining, which began in the 1930s as a New Deal policy that color-coded neighborhoods based on the perceived risk of insuring home loans there. Neighborhoods with large percentages of non-white residents, particularly African Americans, were colored red, deeming the entire area too risky for lending. Racial prejudice, both individual and as codified by law, led many whites to leave their neighborhoods by the thousands.
As for contract sales, the average price markup for homes sold through contract was around 84%. Typically, homes in Chicago "purchased by a speculator for $12,000 would be resold days or weeks later on contract to a black buyer for $22,000," the report said. This would often stretch black homeowners so thin that no money was left for maintenance or repairs, and if a black family was late on a single payment, the contract holder would evict them and keep all the equity that had built up. In fact, until the home was paid off in full, the contract holder held the equity, not the black owner.
In today's dollars, black contract buyers in Chicago ended up paying an average $71,000 more for their home than they would have paid with a conventional mortgage, according to the study. It also pointed out that the home sale contracts were offered by "the very banks that turned down black homebuyers," and along with the banks, contracts were offered to blacks by "investment syndicates comprised of white Chicago lawyers, doctors, downtown business leaders, and city government officials, all of whom profited handsomely by exploiting a separate and unequal housing market to the profound disadvantage of black families."
The effects of unequal access to home ownership during the post-war period persist today. Only 39.1%of black households in the Chicago area own their home, compared with 74.1% of white families, according to an analysis the Washington, D.C.-based Urban Institute released last year.
Along with the study, a five-part film series called "The Shame of Chicago" is in the works by Chicago native Bruce Orenstein, who is also the artist in residence at Duke's Cook Center. In the film series, Orenstein talks to surviving victims about the impact it continues to have on their families, shows who was behind it and how some fought back — at one point by joining together and refusing to pay exorbitant rates. Episode three, the only part that is complete, has been released to the press and additional funding is needed to complete the project. Orenstein plans to include episodes on restrictive covenants and a deeper dive into redlining and wants the series to be shown in schools everywhere.
Recently, The Chicago Reporter talked to Orenstein about the study and his film series.
What is your background?
I'm from Chicago. I grew up in Chicago and only have been at Duke for 10 years. Most of my life in Chicago I worked as a community organizer working in low-income areas focusing on economic development, trying to get more jobs and better schools for the community. I was more or less using Saul Alinsky organizing methods. Around 1990, I was working on the South Side of Chicago and headed up the Southeast Chapter of UNO, United Neighborhood Organization. While I was doing that we were working on school reform and started to use video to explain the issues in our own community and one thing led to another and I started The Chicago Video Project. For the next 20 years I made short organizing videos for a lot of different community groups around the city … and then eventually got into making documentaries.
Did you work on the report also or is your work confined to the films?
I worked on the report too. I oversaw the whole project. I'm at the Samuel DuBois Cook Center on Social Equity and it has a whole team of social scientists and economists that look at all kinds of issues — racial discrimination, racial disparities in wealth and health and every other measure, so I was overseeing the project and using the resources available.
So your decision to focus on Chicago with the study and the film series was because of your previous work here?
Oh yeah. I'm Chicago all the way through. This is my city. I'm in North Carolina now and teach at Duke so I don't have to be here for the winters, but I've spent most of my working career and life in Chicago.
Redlining and the scams of buying homes on contract is relatively well known. What new things did your work uncover? I believe your study is the first to put a dollar amount on it, right?
Yeah. There was an earlier study in a dissertation that someone did on a much smaller scale that tried to estimate how many people were on contract and what the losses were, but this is really the first time something of this scope was done. I think people do know the term "redlining" but I don't think they understand the profound impact that it had. When people think in terms of redlining, they think in terms of, 'Oh, well, the banks did not invest in communities.' A lot of people use the term disinvestment in communities of color, and it's kind of left at that. People who are aware of these issues know it strangled the community in terms of flow of capital into it. It didn't allow it to economically thrive. What we are doing with this study is moving it a big step forward and saying that it wasn't just that the banks did not invest in communities. It was that the whole system, through contract selling, extracted money from the communities so not only do you not have investment, what money you do have in the community with all these aspiring black homeowners who are trying to enter the middle class is being drained of their wealth. That's where this takes it a big step further. It's really a plunder.
What we are trying to do with the documentary is to put a human face on it. And as far as people being familiar with contract selling, I don't think they are. When I talk to friends, many of whom have advanced degrees in all areas and are progressive in their politics, when I talk to them about contracts they don't know what it is and when I tell them that contracts didn't build any equity, their eyes open wide. And that equity, that chance to build wealth was denied to a great percentage of black families. So, I think the contracts are going to be new to a lot of people.
You've released the third episode which was very powerful. How did you find people that were victimized to interview?
Those are some of the last surviving contract buyers so it was hard. I got the two in the film from [local housing advocate] Jack McNamara, who still keeps in touch with them. They are the real heroes, as Jack refers to them. What they did by staging a payment strike was really remarkable. I can't fathom trying to hold together 500, 600 people and telling them to 'hold out, we aren't going to pay.'
One thing that was particularly revealing in the episode is the sense of stigma — people did not want to admit they were ripped off. Does that still exist?
Yes. Talk to any organizer and they will tell you that one of the challenges in organizing is that people feel because of the larger, wider culture, that they have failed. People who are low-income have a part of themselves that they view as having failed. So, they incorporate that into the way they think about themselves.
I got the title of the film series, "The Shame of Chicago," from Elizabeth Wood [the first executive director of the Chicago Housing Authority from 1937 until 1954.]. She's the one that says it in 1952 when she was talking about the violence that took place at Trumbull Park. Then, as I went through the series it had all types of meanings. Shame on Chicago for what it did. Shame that people held among themselves, believing it was their fault and not seeing the institutional structures.
Do you believe the federal government should be blamed more so than the city of Chicago, because this was something that happened in numerous cities?
I think it's a blame on everybody, on the institutions. You can go back to the 1919 race riots [in Chicago]. Realtors decide we are going to divide up the city. They put in restrictive covenants, they organized all those communities and then when the federal legislation came along with FHA to insure the mortgages, the Realtors said this is where investments are good and where they aren't good [through redlining]. They decided to keep whites and blacks separated and decided that black communities were not worthy of investment. So that puts in another piece of the scaffolding of segregation, and they did keep the peace in the 1930s. At the same time, the Great Migration was taking place and Chicago's black belt was bursting at the seams. By the time restrictive covenants are challenged and fall, most black families wanted to escape the kitchenette apartments they were in only to be taken by these contracts. So, the whole system that was set up by the real estate agents and by the way, the National Association of Realtors is headquartered in Chicago, so there's a lot of Chicago connections and inventions of how this whole segregated structure is built. A lot of it originated in Chicago so yeah, the federal government did have this policy and they adopted it by the real estate agents who designed it. It's kinda like when [Vice President] Dick Cheney met with all the oil executives to decide the energy policy of the United States.
The housing issue goes straight to the core of the American dream. Is there anything else that comes close to explaining the wealth gap between whites and blacks?
Oh yeah, there's a lot of things but I think it's one of the central features. I don't know how to prescribe what percentage goes to what, but you have job discrimination, blacks are being paid lower wages and don't have the same opportunities to advance. School issues, etc.
So are education and awareness the end goal of the study and film series?
Exactly. Because I don't see how we move forward on this issue without that. Unless we know where we've come from, I don't see how we move ahead.
About Bob Chiarito
Bob Chiarito is a Chicago-based freelancer whose work has appeared in The New York Times, Reuters, Block Club Chicago, NME, Vice, Chicago Magazine and more.
More by Robert
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A new study quantifies how much the region is losing in lives, income, gross domestic product, and educational achievement due to its high level of racial and economic segregation.
Banking on the black community
African-American financial institutions are a path to neighborhood reinvestment, says Gregg H. Brown of the South Side Community Federal Credit Union.


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Fjällräven North America Grows Colorado Base With New Flagship Brand Center in Boulder
Kimberly Rodgers
Grand Opening Marked for September 29, 2016
(Boulder, CO) September 28, 2016 – Swedish outdoor brand Fjällräven announces the opening of a flagship retail brand center near its North American headquarters in Boulder, Colorado. Located on a beautiful corner of the iconic Pearl Street mall, the retail space is the brand's 17th North American door. Fjällräven first opened shop in Boulder in Fall 2013. The brand's original retail location quickly grew into a vibrant part of the Pearl Street community. As the brand continues to gain momentum stateside, an upgraded store became necessary to support fast paced growth within the Rockies region and to better allow the consumers to experience the product. As with Fjällräven's other retail brand centers, the Boulder space serves as a hub for outdoor enthusiasts while exemplifying what the brand has stood for since 1960: making the outdoors accessible to more people at all experience levels.
"The Boulder area has been a key part of who we are as a brand from day one. The community here has truly embraced the brand and it's exciting to have become a go-to destination for local outdoor enthusiasts and travelers alike in this iconic outdoor town," said Nathan Dopp, president of Fjällräven North America. "The upgraded brand center will continue to offer a one-of-a-kind customer experience, while still maintaining that sense of outdoor community that has truly made us who we are today."
Fjällräven has decades of experience inspiring individuals to get outside. Many original products and technologies, such as the Greenland Jacket crafted from the brand's signature waxed G-1000® fabric, are fit for the everyday adventurous lifestyles of Coloradoans. In addition to its popular heritage designs, the brand continually strives to sustainably innovate with new products like the Eco-Shell® collection, a complete line of fluorocarbon-free hardshells built using recycled polyester. This commitment to premium outdoor products that minimize environmental footprint is deeply rooted in the brand's DNA and Fjällräven serves as an industry leader in sustainable design and corporate responsibility. Through all aspects of business— from materials selection to retail build out— Fjällräven aims to meet its mission of becoming the most premium, sustainable brand in the outdoor industry.
The upgraded Boulder store carries a wide assortment of the brand's highly designed, sustainable outerwear, apparel, backpacks, accessories and gear for men, women and kids. The Boulder location will be staffed with a dedicated team of gear experts to help customers find the perfect Fjällräven fit no matter the intended activity. Camping to hiking, and travel to trekking, there is a curated, designed assortment for all adventure needs.
Fjällräven will officially mark the grand opening of its Boulder flagship with a celebration for friends and neighbors on Thursday, September 29. Join at the store from 7:00 – 9:00 p.m. for special screenings of select works premiering in the Adventure Film Festival; entertainment from Americana folk group, Kind Hearted Strangers; and complementary drinks and hors d'oeuvres.
Fjällräven Boulder Flagship
Store Hours: Sunday – Thursday 10:00 a.m. – 7:00 p.m., Friday – Saturday 10:00 a.m. – 8:00 p.m.
In 1960, Åke Nordin founded Fjällräven in his basement in the Swedish town of Örnsköldsvik. Since then, Fjällräven has made a commitment to high quality and functional design, while staying true to its mission of developing timeless and durable outdoor equipment and apparel, acting responsibly towards people, animals and nature and inspiring people to get outside. Today, the company has presence in over 30 countries worldwide. For more information, please visit www.fjallraven.us.
Outdoor IndustryRetailerAdventure travelManufacturer
product-sub-type:
AccessoriesGearApparel
product-type:
Camp & HikeClothing
Fjällräven North America Continues Rapid Brand Expansion; Announces Portland, Ore. Flagship
Grand Opening Marked for May 20, 2016 (Boulder, CO) May 20, 2016 – Swedish outdoor brand Fjällräven announces the opening of its 15th North American retail brand center in Portland, Oregon. This new Pacific Northwest flagship will serve as the outdoor epicenter for one of ...read more
By Kimberly Rodgers
Fjällräven Expands Boston Retail Footprint With Opening Of Cambridge Brand Center
(Boulder, CO) March 23, 2017 – Swedish outdoor brand Fjällräven expands its Boston footprint with the opening of a new brand center in Cambridge, Massachusetts. The store is the brand's second retail location in the Boston Metro region and its 18th location in North America. ...read more
Fjällräven Appoints New North American Leadership
(Boulder, CO) February 25, 2016 — Swedish heritage outdoor brand Fjällräven announces the appointment of Nathan Dopp as president and general manager in North America. Effective immediately, Dopp will assume responsibility for the domestic operations of Fjällräven and Hanwag ...read more
Fjällräven Strengthens Sales Structure to Support Strong Holiday and 2017 Forecasts
Specialty Account Sales Manager & Expanded Sales Force Added to North American Team (Boulder, CO) October 6, 2016 – Swedish outdoor brand Fjällräven announces key investments to its support and management teams to cater to the brand's rapidly expanding outdoor specialty account ...read more
Fjällräven Continues Impressive North American Expansion with New Headquarters, Optimized Sales Force & Optimized Growth
Media Contact: Turner PR | Kimberly Rodgers Kim.Rodgers@TurnerPR.com | 212-889-1700 FOR IMMEDIATE RELEASE FJÄLLRÄVEN CONTINUES IMPRESSIVE NORTH AMERICAN EXPANSION WITH NEW HEADQUARTERS, OPTIMIZED SALES FORCE & GROWING RETAIL DOORS (Louisville, CO) October 15, 2015 — Swedish ...read more
Fjällräven Receives Prestigious Outdoor Industry Award for Abisko Shape 2
(Boulder, CO) July 27, 2015 — Heritage outdoor brand Fjällräven is pleased to announce it is the recipient of a prestigious OutDoor Industry Award 2015 for its Abisko Shape 2 tent. The tunnel tent is part of Fjällräven's brand new tent collection built through a comprehensive ...read more
Fjällräven Announces Launch of Global Event Series Bringing its Signature Trekking Event to the Colorado Rockies
Registration Now Open for August 19 – 21, 2016 Event (Boulder, CO) – After 16 successful years of hosting its Fjällräven Classic event in Europe, Swedish outdoor brand Fjällrävenbrings its popular community trekking event to North America. Fjallraven Classic USA is a multi-day ...read more
Fjällräven Reinforces Sales Team In Mid-Atlantic and Southeast Regions To Support Outdoor Specialty Growth
(Boulder, CO) March 14, 2017 – Swedish outdoor brand Fjällräven announces key sales force appointments to support its rapidly growing outdoor specialty account base. As a continued investment to strengthen this priority channel, Fjällräven welcomes Brandywine River Reps (BR Reps) ...read more
Fjällräven Adds Lightweight, Quick Drying and Breathable Designs for Spring 2014
(Boulder, CO)— In Spring-Summer 2014, Swedish outdoor brand Fjällräven will add to its collections of outerwear, apparel and accessories for men and women. This season, the brand focuses on functionality, offering designs that are durable, versatile and can transition through the ...read more


Sarah Baker consistently cracks me up on everything she's in - and she's in a lot of stuff! Seriously, she pops up on almost everything I watch!
I was lucky to meet her years ago when she was doing a Q&A for the TV show Go On, which didn't last as long as it should have. Super sweet!


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Iowa City divestment from Wells Fargo unrelated to pipeline
aldavis@press-citizen.com
On the same night the Seattle City Council voted to sever its ties with Wells Fargo over the bank's involvement as a lender for the Dakota Access Pipeline, Iowa City staff reported to the council that the city also is divesting from the bank.
The move is based purely on performance rather than politics, City Manager Geoff Fruin told the council during its meeting Tuesday. The same evening, the Seattle City Council voted 9 to 0 to divest from the bank, according to a report from the Seattle Times, and council members made clear the city the reason was Wells Fargo's role as lender for the $3.8 billion pipeline project.
"Around this time last year, we had close to $50 million invested with Wells Fargo. We're down to about $15 million right now and expect that $15 million will shrink close to zero," Fruin said during Tuesday's work session. "This has nothing to do with the Dakota Access Pipeline — it's strictly based on performance and return on investment. We've just been finding better returns with other institutions right now."
Fruin's report on Tuesday was, in part, a response to a letter from the 100 Grannies for a Livable Future, which asked the council to divest.
On Jan. 26, 100 Grannies, the group that in November helped to organize a protest outside the Army Corps of Engineers office at the Coralville Dam, sent the letter explaining its stance.
Dozens gather at Coralville Dam to protest pipeline
Divestment "is an opportunity for Iowa City to demonstrate leadership," the letter said, urging the council to join cities that had considered the same move, including Seattle, Minneapolis, Portland and the state of California. Citing statistics from the Pipeline and Hazardous Materials Safety Administration, a U.S. Department of Transportation agency, the letter said significant pipeline incidents rose nearly 27 percent between 2006 and 2015.
"In 2015, there were 326 such incidents — almost one per day," according to the letter, before mentioning a recent Magellan Midstream Partners pipeline diesel fuel spill of 46,830 gallons near Hanlontown in Worth County.
"Although the city is leaving Wells Fargo because of dissatisfaction with the company's performance, the 100 Grannies are very pleased because of the impact it could have on the pipeline funding," said 100 Grannies member Ann Christenson.
The group has played an active role in protesting the Dakota Access pipeline both in Iowa and North Dakota. Christenson said nine members have been arrested at different protests.
President Donald Trump took executive action last month that greenlit the Dakota Access and Keystone XL pipelines, reversing former President Barack Obama's administration's directives and allowing construction to resume. Late last month, after Trump's action, the acting secretary of the Army ordered the Army Corps of Engineers to allow construction of the Dakota Access pipeline under a Missouri River reservoir, something The Standing Rock Sioux Nation and other protesters have been working to prevent for months.
RELATED: Iowa City couple stand with Standing Rock for Thanksgiving
Also Tuesday, Fruin advised the council not to take action to cease utility lockbox service.
"The way it works is you mail in your utility bills, it's going to Wells Fargo, and they're processing that and working with our staff to integrate it into our system," Fruin explained to the council during its meeting. "That is something we would strongly urge you not to move away from. It's a very labor-intensive process to rebid out the lock box program. There's a lot of coordination that has to go on with who's processing those utility bills."
Mayor Jim Throgmorton on Friday said the council likely will not revisit the topic in the near future.
"I brought it up during our work session simply to make sure our council members were informed and to make sure we were on the same page," Throgmorton said, adding "the state legislature is taking such accelerated action on bills that would harm Iowa City, and that's where my attention is right now."
Reach Andy Davis at 319-887-5404 or at aldavis@press-citizen.com, and follow him on Twitter as @BylineAndyDavis.


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Her prints often start with sketched ideas, which are then developed using lots of different disciplines including hand drawn illustrations, painting and traditional techniques such as lino printing. Once the designs are complete, she then works them into repeat patterns digitally for a range of products, all of which are proudly made in Britain.
Much of the inspiration for her prints comes from exploring the flora and fauna of the British countryside.


Beatitudes Campus, well known for its Comfort Matters memory care approach, has embarked on a $260 million, eight-year repositioning to transform and expand its presence in Phoenix.
"We created a plan that will touch virtually all of our 27-acre campus," Beatitudes President and CEO Michelle Just told Senior Housing News.
Beatitudes first opened in 1965, and the campus in north central Phoenix has grown substantially since that time. In 2008, the organization transitioned from a rental assisted living and skilled nursing model to a type-B and type-C entrance-fee life plan community. The nonprofit was also planning an ambitious redevelopment effort when the financial crisis hit and plans were put on hold.
"I came in in 2014 and dusted off the plans to see if they still made sense," Just told SHN.
The plans were revised to account for changing consumer preferences and other factors, and the first phase broke ground last month. It involves the construction of 34 new patio homes, to meet high demand for independent living.
"We had purchased residential homes on the outer edge of the campus, [and] what we've experienced is they stay 100% full," Just said.
The patio homes are single-level and were designed with a mid-century modern look by architect Orcutt Winslow, with the aim of complementing the existing campus buildings that date from that time period. The Weitz Company is general contractor.
The patio homes are slated to be completed in January 2020, and three further project phases are planned. Those next phases will involve a mixture of new construction and renovations of existing buildings, including turning the current assisted living building into health care and memory support in a "neighborhood" concept.
"We've always operated our dementia product in a 1965 nursing home," Just noted. Despite being located in an aging physical plant, Beatitudes' Comfort Matters memory care program has garnered national attention, including in a 2010 New York Times article.
The Beatitudes approach places a premium on residents' quality of life and strives to operationalize the latest dementia-related research. The new memory care setting will allow for "significant increases in programs and services," but it's difficult to be specific about them because research is ongoing and the new building is not scheduled to open until November 2025, Just said.
Once the redevelopment is completed, Beatitudes' total resident capacity will be about 1,000 — that's an increase of about 250 people compared with current capacity.
Financing is being done through tax-exempt bonds, with specialty investment bank Ziegler as the lead and HJSims and BB&T in a co-management structure.
Beatitudes' influence has been felt nationwide through Comfort Matters, with organizations such as Denver-based Christian Living Communities and New York-based The New Jewish Home being accredited in this approach to memory care. However, Beatitudes is not looking to have a physical presence beyond of its Phoenix campus.


This half day course is designed to provide New Federal Academy Safety Investigators and Border Inspectors some insight into the trucking industry and FMCSA.
This course will instruct new hired personnel with an overview of the trucking industry and how FMCSA came into the trucking arena. It also discusses regualtory and economic aspects of both entities.


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Carmagnole
French dance and clothing
Carmagnole, originally, a Piedmontese peasant costume (from the Italian town of Carmagnola) that was well known in the south of France and brought to Paris by the revolutionaries of Marseille in 1792.
The costume, later the popular dress of the Jacobins, consisted of a short-skirted coat with rows of metal buttons, a tricoloured waistcoat, and red cap. The name carmagnole was also applied to a famous Revolutionary song and dance widely performed during the Reign of Terror.
farandole
…of the French Revolution, the carmagnole, was a variety of farandole.…
French Revolutionary wars
French Revolutionary wars, title given to the hostilities between France and one or more European powers between 1792 and 1799. It thus comprises the first seven years of the period of warfare that was continued through the Napoleonic Wars until Napoleon's abdication in 1814, with a year of interruption under…
Folk dance, generally, a type of dance that is a vernacular, usually recreational, expression of a past or present culture. The term folk dance was accepted until the mid-20th century. Then this and other categories of dance were questioned and their distinctions became subject to debate. For the…
Farandole, lively and popular chain dance—an ancient dance style in which dancers form a chain, usually by linking hands with two others—of Provence (France) and Catalonia (Spain). The dancers, following the steps introduced by the chain leader, wind through the streets to the accompaniment of…
Dance, the movement of the body in a rhythmic way, usually to music and within a given space, for the purpose of expressing an idea or emotion, releasing energy, or simply taking delight in the movement itself. Dance is a powerful impulse, but the art of dance is that impulse channeled by skillful…
More About Carmagnole
1 reference found in Britannica articles
dance of French Revolution
In farandole
Opera, a staged drama set to music in its entirety, made up of vocal pieces with instrumental accompaniment…


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