text:
Ytel Selects VoiceBase To Enhance Its Cloud Contact Center Solution With Advanced Speech Analytics
SAN FRANCISCO, CA (PRWEB) MARCH 03, 2015
VoiceBase, Inc. a leading "on demand" speech analytics company announced today that Ytel, a provider of cloud contact center software that processes over 30 million interactions per day, has added VoiceBase's high-accuracy transcription and predictive call scoring services to its X5 Cloud Contact Center solution. This is scheduled to launch in Ytel's X5 June 2015 feature release.
"Extracting business intelligence from inbound service calls and outbound sales calls has up until now only been available to very large contact centers," says Ytel Founder and CEO, Nick Newsom. "We are now able to extend powerful, yet affordable, speech analytics to all of our customers."
With the click of a button, small and medium businesses can now gain access to actionable insights from their calls such as keyword correlation to sales opportunities, potential cancellations, competitive mentions and trend detection. Ytel customer, MediaMix365, is one of the nation's top producers in the lead generation industry. "The ability to globally search all of our calls and instantly spot hot leads and identify calls that need more attention is invaluable," said Nick Long, CEO of MediaMix365.
"Contact centers receive an enormous volume of calls every day and VoiceBase's mission is to help them access specific information and intelligence from all their calls," said Walter Bachtiger, Founder and CEO of VoiceBase. "We help Ytel's customers make better business decisions by quickly identifying important calls that need an immediate response to identifying contact center reps that need more training based on what was said in a call."
About VoiceBase
VoiceBase provides easy-to-use APIs that automatically transcribe audio and video, extract relevant keywords and topics and enable the instant search and discover of spoken information. Every month VoiceBase processes millions of recordings that allow users to search from the web or their mobile device into the timeline of a recording, and play the precise parts of a conference call or webinar, educational lecture, podcast or video interview for example. VoiceBase customers include contact centers, conferencing service providers, video and education platforms, telecom providers and Fortune 500 companies. VoiceBase is privately held and is based in San Francisco, California.
About Ytel
Ytel is a preeminent software company, specializing in cloud-based communications solutions that service businesses worldwide. Its SaaS-based offerings include Cloud Contact Center® and message360°®. These services provide businesses cost effective solutions that power modern communications through phone, chat, email, text messaging, and direct mail. Ytel supports over 30 million outbound and inbound interactions daily, on a company owned network, increasing revenue and maximizing efficiency.
Read More Press Releases
Keep up with the Big Voice Blog
Let The Voice of the Customer Be Heard
Typically organizations use crucial voice interactions to extract vital information from customer interactions to measure and improve performance, but there is much more potential in leveraging voice data. The power of voice data in the customer experience goes beyond organizational excellence to relational effectiveness.
DATA SECURITY THREATS TO CALL CENTERS AND COMPLIANCE
Call centers are a rich source of sensitive personal information, particularly financial information such as credit card details. They are the main channel where customer problems are addressed, and sensitive data are shared. Personal data such as credit card numbers and social security numbers hold great financial value and are often bought and sold on the dark web by cyber criminals.
Are You Hearing Voices?
Many organizations are hungry to understand what customers and prospects think of their brand, products, services, and unique relationship. To this end, organizations are trying to move from reactive responses to negative experiences to proactive real-time action at the time of both positive and negative interactions.
123...»Last »


The establishment of the ranch attracts many foreign and domestic tourists in the area and it is one of the attractions being reason for the development of Arba-Minch Town. Apart from raising crocodiles for the commercial purpose, the ranch releases a certain number of grow ups to lake Chamo and Abaya in order not to deplete the wild population. Currently there are almost 700 crocodiles preserved in separate place according to their age.
The Ranch workers wash crocodile ponds almost every morning.
Crocodiles prefer clean environment. Clean environment protects crocodiles from any diseases.
Although wild crocodiles sometimes attack human beings, the crocodiles in the Ranch never attack the workers during ponds washing. The ranch collects crocodile babies from the shore of Chamo Lake. These babies grow up in the Ranch. The crocodiles in the Ranch become used to human beings from their birth.
Tourists can see harmony between crocodiles and human beings here.
*Foreigner can pay entrance fee in local currency Ethiopian Birr (ETB) as well. Foreigner's entrance fee in ETB is decided according to the rate from USD to ETB on visiting day.
· Access; There is no public transportation from Arba Minch city center. Hiring bajaj (tricar in local name) or car from the city center is advisable.


This page contains a single entry by Keith Cowing published on February 28, 2017 2:33 PM.
NASA Budget News Is Not Good was the previous entry in this blog.
Alternative Facts And Snake Oil From The SLS Mafia is the next entry in this blog.


Today is International Women's Day. While many use this day to wish women, but the real intent of instituting this day was to push for Gender Equality. Even today, most women do not get the same level of salary as their male co-workers get, even in the US!
In many other countries – the less developed ones – things can get even worse. Most of the rural women work on farms for far less money than men do. Even though there is a clear correlation between Women's education and the progress in a society, as well as literacy in the area – the emphasis on women's education and upliftment is hardly there.
Sajid Khan – The Abusive Psychopath needs Jail, Not Atonement!


text:
Caring & Sharing
Indiana Carmel
Carmel ,Fishers ,Geist
100+ Women Who Care Hamilton County Sets Higher Fundraising Goal For 2020
Photography Provided by Ellie Sophia Photography & 100+ Women Who Care
For 13 years, Mary Beth Woehrle lived in Greenwood where she was involved with 100+ Women Who Care Johnson County, an organization that benefits local 501(c)(3) charities. When she moved to Noblesville in 2007, she was eager to join 100+ Women Who Care Hamilton County but found that such a group didn't exist. So Woehrle rallied some friends and got one going.
"We, as moms, don't just want to stay busy driving our kids around to their games and events," Woehrle says. "We want to make an impact in our community, and this organization is a great way to do that."
She acknowledges, however, that between work, motherhood and life management, women are often stretched thin. As a result it can be difficult to carve out time for charity work. That's what makes 100+ Women Who Care so great. All they ask is for women to gather quarterly for one-hour meetings.
The meetings are structured the same way each quarter. Any member who is current in their giving can nominate their choice of a local 501(c)(3) organization registered within Hamilton County. All nominations go into a hat and three are pulled out. Representatives from the three finalists then give a brief, informal presentation that describes their charity's purpose and mission. The group asks follow-up questions and then vote to determine which non-profit should receive the donation for the quarter.
"Each person writes a $100 check right then and there to the non-profit chosen, to make a collective, impactful donation," Woehrle says.
The first 100+ Women Who Care Hamilton County meeting took place in August 2017. It started out with three co-founders – Woehrle, Dana Randall, and Carolyn Deines – each reaching out to their own circles of women to encourage participation. It has since grown as members have told friends, colleagues and neighbors about the group.
"It's been a grassroots, word-of-mouth kind of thing rather than a strategic marketing plan," Randall says. "It's been great, though we would like to continue to spread the word that we exist."
Currently, 45 women come consistently. Though they ask women to commit to a year at a time, they do not track the giving. If someone comes at the start of the year but doesn't make it to another meeting until the end of the year, that's okay. They also allow the annual $400 membership amount to be split among friends, colleagues or siblings.
"We want to bring in as much money as we can for charities, yet at the same time we want to make this simple to manage for women to be a part of," Randall says.
Since May the Richard M. Schulze Family Foundation has matched donations for up to 50 percent of total dollars raised (up to a $5,000 match).
"Now, when a group wins they not only win the 100+ Women Who Care donations but they also get a grant from this foundation," Woehrle says. "For nonprofits, especially those still in their infancy stage, to get awarded a $5,000 donation and have it matched by 50 percent is huge for growth, and makes a huge impact in the types of services these organizations can provide."
In the past 2.5 years, 100+ Women Who Care Hamilton County has recognized ten charities and donated more than $50,000. They have donated to organizations such as HAND, Inc., which addresses the housing needs of low- and moderate-income individuals, families and senior citizens, the Fishers Youth Assistance Program, which strengthens youth and families through community involvement, Redemption Rescue, a foster care program for sick, injured and abandoned animals, and the Megan S. Ott Foundation, which provides care packages for women suffering from breast cancer.
"The beauty of this group is that we are always hearing about charities we didn't know existed and all of these great things happening in Hamilton County," Woehrle says.
The group's goal for 2020 is to have more women from surrounding areas like Westfield, Noblesville and Carmel take part, in order to impact charities in those communities as well. They are constantly striving to get 100 women to consistently attend quarterly meetings.
"Still, that's not the end zone for us," Woehrle says. "After all, the group is called 100+ Women. We'd love to continue to grow."
Each quarter the group meets at 7 p.m. around the middle of the month at the Delaware Township Community Center in Fishers. Meetings in 2020 are slated for February 12, May 13, August 19 and November 18. Guests are welcome.
"Ultimately we just want more people involved because the more that are involved, the greater the impact on the community," Randall says.
For more information visit 100womenwhocarehamiltoncounty.com. Donations may be mailed to: 100 Women Who Care of Hamilton County, P.O. Box 1102, Noblesville, IN 46061.
#100+ Women Who Care Hamilton County
#100+ Women Who Care Johnson County
#Dana Randall
#Mary Beth Woehrle
#noblesville

redpajama_set_name: RedPajamaCommonCrawl


This antibody recognizes a glycoprotein of 110 kDa, which is identified as CD68.
This antibody recognizes a glycoprotein of 110 kDa, which is identified as CD68. It is important for identifying macrophages in tissue sections. It stains macrophages in a wide variety of human tissues, including Kupffer cells and macrophages in the red pulp of the spleen, in lamina propria of the gut, in lung alveoli, and in bone marrow. It reacts with myeloid precursors and peripheral blood granulocytes. It also reacts with plasmacytoid T cells, which are supposed to be of monocyte/macrophage origin. It shows strong granular cytoplasmic staining of chronic and acute myeloid leukemia and also reacts with rare cases of true histiocytic neoplasia. Lymphomas are negative or show few granules.
Catalog number key for antibody number 0685, Anti-CD68 (C68/684 KP1) The prefix indicates conjugation, followed by the antibody number and size suffix.
Pulford KA et. al. Journal of Clinical Pathology, 1989, 42(4):414-21. | Warnke RA et. al. Am J of Pathol, 1989, 135:1089-95.


text:
package util;

import java.util.concurrent.TimeUnit;

import org.apache.thrift.TProcessorFactory;
import org.apache.thrift.protocol.TProtocolFactory;
import org.apache.thrift.server.THsHaServer;
import org.apache.thrift.server.TNonblockingServer;
import org.apache.thrift.server.TThreadPoolServer;
import org.apache.thrift.server.TThreadedSelectorServer;
import org.apache.thrift.server.TThreadedSelectorServer.Args.AcceptPolicy;
import org.apache.thrift.transport.TFramedTransport;
import org.apache.thrift.transport.TNonblockingServerSocket;
import org.apache.thrift.transport.TNonblockingServerTransport;
import org.apache.thrift.transport.TServerSocket;
import org.apache.thrift.transport.TServerTransport;
import org.apache.thrift.transport.TTransportException;
import org.apache.thrift.transport.TTransportFactory;

/**
 * ThriftServer utility class.
 *
 * @author Thanh Nguyen <btnguyen2k@gmail.com>
 * @since 0.1.0
 */
public class ThriftServerUtils {

    public final static int DEFAULT_CLIENT_TIMEOUT_MS = 10000;
    public final static int DEFAULT_MAX_FRAMESIZE = 1024 * 1024;
    public final static int DEFAULT_TOTAL_MAX_READ_BUFFERSIZE = 16 * 1024 * 1024;
    public final static int DEFAULT_NUM_SELECTOR_THREADS = 2;
    public final static int DEFAULT_NUM_WORKER_THREADS;
    static {
        DEFAULT_NUM_WORKER_THREADS = Math.max(4, Runtime.getRuntime().availableProcessors());
    }

    /**
     * Creates a {@link TThreadPoolServer} server.
     *
     *

     *
1 dedicated thread for accepting connections

     *
Once a connection is accepted, it gets scheduled to be processed by a
     * worker thread. The worker thread is tied to the specific client
     * connection until it's closed. Once the connection is closed, the worker
     * thread goes back to the thread pool.

     *

     *
     * @param processorFactory
     * @param protocolFactory
     * @param port
     *            port number on which the Thrift server will listen
     * @param clientTimeoutMillisecs
     * @param maxFrameSize
     *            max size (in bytes) of a transport frame, supply {@code <=0}
     *            value to let the method choose a default {@code maxFrameSize}
     *            value (which is 1Mb)
     * @param maxWorkerThreads
     *            max number of worker threads, supply {@code <=0} value to let
     *            the method choose a default {@code maxWorkerThreads} value
     *            (which is
     *            {@code Math.max(4, Runtime.getRuntime().availableProcessors())}
     *            )
     * @return
     * @throws TTransportException
     */
    public static TThreadPoolServer createThreadPoolServer(TProcessorFactory processorFactory,
            TProtocolFactory protocolFactory, int port, int clientTimeoutMillisecs,
            int maxFrameSize, int maxWorkerThreads) throws TTransportException {
        if (clientTimeoutMillisecs <= 0) {
            clientTimeoutMillisecs = DEFAULT_CLIENT_TIMEOUT_MS;
        }
        if (maxFrameSize <= 0) {
            maxFrameSize = DEFAULT_MAX_FRAMESIZE;
        }
        if (maxWorkerThreads <= 0) {
            maxWorkerThreads = DEFAULT_NUM_WORKER_THREADS;
        }

        TServerTransport transport = new TServerSocket(port, clientTimeoutMillisecs);
        TTransportFactory transportFactory = new TFramedTransport.Factory(maxFrameSize);
        TThreadPoolServer.Args args = new TThreadPoolServer.Args(transport)
                .processorFactory(processorFactory).protocolFactory(protocolFactory)
                .transportFactory(transportFactory).minWorkerThreads(1)
                .maxWorkerThreads(maxWorkerThreads);
        TThreadPoolServer server = new TThreadPoolServer(args);
        return server;
    }

    /**
     * Creates a {@link TNonblockingServer} server.
     *
     *

     * Non-blocking Thrift server that uses {@code java.nio.channels.Selector}
     * to handle multiple clients. However, messages are processed by the same
     * thread that calls {@code select()}.
     *

     *
     * @param processorFactory
     * @param protocolFactory
     * @param port
     *            port number on which the Thrift server will listen
     * @param clientTimeoutMillisecs
     * @param maxFrameSize
     *            max size (in bytes) of a transport frame, supply {@code <=0}
     *            value to let the method choose a default {@code maxFrameSize}
     *            value (which is 1Mb)
     * @param maxReadBufferSize
     *            max size (in bytes) of read buffer, supply {@code <=0} value
     *            to let the method choose a default {@code maxReadBufferSize}
     *            value (which is 16Mb)
     * @return
     * @throws TTransportException
     */
    public static TNonblockingServer createNonBlockingServer(TProcessorFactory processorFactory,
            TProtocolFactory protocolFactory, int port, int clientTimeoutMillisecs,
            int maxFrameSize, long maxReadBufferSize) throws TTransportException {
        if (clientTimeoutMillisecs <= 0) {
            clientTimeoutMillisecs = DEFAULT_CLIENT_TIMEOUT_MS;
        }
        if (maxFrameSize <= 0) {
            maxFrameSize = DEFAULT_MAX_FRAMESIZE;
        }
        if (maxReadBufferSize <= 0) {
            maxReadBufferSize = DEFAULT_TOTAL_MAX_READ_BUFFERSIZE;
        }

        TNonblockingServerTransport transport = new TNonblockingServerSocket(port,
                clientTimeoutMillisecs);
        TTransportFactory transportFactory = new TFramedTransport.Factory(maxFrameSize);
        TNonblockingServer.Args args = new TNonblockingServer.Args(transport)
                .processorFactory(processorFactory).protocolFactory(protocolFactory)
                .transportFactory(transportFactory);
        args.maxReadBufferBytes = maxReadBufferSize;
        TNonblockingServer server = new TNonblockingServer(args);
        return server;
    }

    /**
     * Creates a {@link THsHaServer} server.
     *
     *

     * Similar to {@link TNonblockingServer} but a separate pool of worker
     * threads is used to handle message processing.
     *

     *
     * @param processorFactory
     * @param protocolFactory
     * @param port
     *            port number on which the Thrift server will listen
     * @param clientTimeoutMillisecs
     * @param maxFrameSize
     *            max size (in bytes) of a transport frame, supply {@code <=0}
     *            value to let the method choose a default {@code maxFrameSize}
     *            value (which is 1Mb)
     * @param maxReadBufferSize
     *            max size (in bytes) of read buffer, supply {@code <=0} value
     *            to let the method choose a default {@code maxReadBufferSize}
     *            value (which is 16Mb)
     * @param numWorkerThreads
     *            number of worker threads, supply {@code <=0} value to let the
     *            method choose a default {@code numWorkerThreads} value (which
     *            is
     *            {@code Math.max(4, Runtime.getRuntime().availableProcessors())}
     *            )
     * @return
     * @throws TTransportException
     */
    public static THsHaServer createHaHsServer(TProcessorFactory processorFactory,
            TProtocolFactory protocolFactory, int port, int clientTimeoutMillisecs,
            int maxFrameSize, long maxReadBufferSize, int numWorkerThreads)
            throws TTransportException {
        if (clientTimeoutMillisecs <= 0) {
            clientTimeoutMillisecs = DEFAULT_CLIENT_TIMEOUT_MS;
        }
        if (maxFrameSize <= 0) {
            maxFrameSize = DEFAULT_MAX_FRAMESIZE;
        }
        if (maxReadBufferSize <= 0) {
            maxReadBufferSize = DEFAULT_TOTAL_MAX_READ_BUFFERSIZE;
        }
        if (numWorkerThreads <= 0) {
            numWorkerThreads = DEFAULT_NUM_WORKER_THREADS;
        }

        TNonblockingServerTransport transport = new TNonblockingServerSocket(port,
                clientTimeoutMillisecs);
        TTransportFactory transportFactory = new TFramedTransport.Factory(maxFrameSize);
        THsHaServer.Args args = new THsHaServer.Args(transport).processorFactory(processorFactory)
                .protocolFactory(protocolFactory).transportFactory(transportFactory)
                .workerThreads(numWorkerThreads).stopTimeoutVal(60)
                .stopTimeoutUnit(TimeUnit.SECONDS);
        args.maxReadBufferBytes = maxReadBufferSize;
        THsHaServer server = new THsHaServer(args);
        return server;
    }

    /**
     * Creates a {@link TThreadedSelectorServer} server.
     *
     *

     * Similar to {@link THsHaServer} but its use 2 thread pools: one for
     * handling network I/O (e.g. accepting client connections), one for
     * handling message such like {@link THsHaServer}.
     *

     *
     * @param processorFactory
     * @param protocolFactory
     * @param port
     *            port number on which the Thrift server will listen
     * @param clientTimeoutMillisecs
     * @param maxFrameSize
     *            max size (in bytes) of a transport frame, supply {@code <=0}
     *            value to let the method choose a default {@code maxFrameSize}
     *            value (which is 1Mb)
     * @param maxReadBufferSize
     *            max size (in bytes) of read buffer, supply {@code <=0} value
     *            to let the method choose a default {@code maxReadBufferSize}
     *            value (which is 16Mb)
     * @param numSelectorThreads
     *            number of selector threads, supply {@code <=0} value to let
     *            the method choose a default {@code numSelectorThreads} value
     *            (which is {@code 2} )
     * @param numWorkerThreads
     *            number of worker threads, supply {@code <=0} value to let the
     *            method choose a default {@code numWorkerThreads} value (which
     *            is
     *            {@code Math.max(4, Runtime.getRuntime().availableProcessors())}
     *            )
     * @return
     * @throws TTransportException
     */
    public static TThreadedSelectorServer createThreadedSelectorServer(
            TProcessorFactory processorFactory, TProtocolFactory protocolFactory, int port,
            int clientTimeoutMillisecs, int maxFrameSize, long maxReadBufferSize,
            int numSelectorThreads, int numWorkerThreads) throws TTransportException {
        if (clientTimeoutMillisecs <= 0) {
            clientTimeoutMillisecs = DEFAULT_CLIENT_TIMEOUT_MS;
        }
        if (maxFrameSize <= 0) {
            maxFrameSize = DEFAULT_MAX_FRAMESIZE;
        }
        if (maxReadBufferSize <= 0) {
            maxReadBufferSize = DEFAULT_TOTAL_MAX_READ_BUFFERSIZE;
        }
        if (numSelectorThreads <= 0) {
            numSelectorThreads = DEFAULT_NUM_SELECTOR_THREADS;
        }
        if (numWorkerThreads <= 0) {
            numWorkerThreads = DEFAULT_NUM_WORKER_THREADS;
        }

        TNonblockingServerTransport transport = new TNonblockingServerSocket(port,
                clientTimeoutMillisecs);
        TTransportFactory transportFactory = new TFramedTransport.Factory(maxFrameSize);
        TThreadedSelectorServer.Args args = new TThreadedSelectorServer.Args(transport)
                .processorFactory(processorFactory).protocolFactory(protocolFactory)
                .transportFactory(transportFactory).workerThreads(numWorkerThreads)
                .acceptPolicy(AcceptPolicy.FAIR_ACCEPT).acceptQueueSizePerThread(100000)
                .selectorThreads(numSelectorThreads);
        args.maxReadBufferBytes = maxReadBufferSize;
        TThreadedSelectorServer server = new TThreadedSelectorServer(args);
        return server;
    }

}

redpajama_set_name: RedPajamaGithub


May 2014: In a Nutshell.
Boston Common – May 2014.
For all my excitement and incessant pining for Spring to get here, it came and went in a flash- and now Summer is at our door. I won't complain, though. As long as the weather is warm, I'm happy- and Summertime means getting to do a lot of my favorite things: going to the beach and actually being able to swim in the ocean, going on picnics, wearing shorts (as silly as it sounds, I look forward to that!) and using some of my accrued (and much deserved!) vacation time for extended travel, or even to simply take a day off to go to an amusement park during the week.
May was lovely, with my days divided between work and spending as much time outside in the sun and around the (finally!) blossoming trees and flowers as possible. I had kicked off the month in NYC, eating cupcakes and laughing so hard it hurt at Chris Hardwick with my good friend Alison, and today I am wrapping up the month with an iced coffee and seeing the much-anticipated "Maleficent" movie with friends after a quick stop at my office. It's the first of many Summer movies I'm looking forward to this year.
While June will be spent mostly working, of course, as well as finishing up my costumes for July's San Diego Comic-Con (photos coming soon!), I am also planning another weekend trip to NYC for some Marvel-related geek-dom, and to Maine to visit a beach community I haven't been to since my teens. I'm really excited and am looking forward to sharing what will surely be a LOT of photos.
Au revoir May- and Spring! Bring on Summer!
Those photos are gorgeous! Thanks for sharing!
I've also nominated you for The Very Inspiring Blogger Award. If tag posts aren't your thing, I understand. But I just wanted you to know that your writing inspires me. So thank you for that!
Oh my! Thank you so, so much for the nomination- and especially for the very kind words about my blog! I truly appreciate it and I would be more than happy to participate in this!
Thanks! Can't wait to see what you write!


text:
Wayne Rooney's Sons Stun in Man United Kits as They Pose with Dad
Wayne Rooney posted a photo of himself alongside his two sons as they headed out for their matches
The legendary attacker was preparing to lead Derby County against Birmingham City as the little ones set out for their academy assignments
Both Kit and Kai are currently attached with Man United's youth teams, with the latter joining the Red Devils in December 2020
Wayne Rooney has shared a stunning photo of his two sons, Kai and Kit, rocking Man United kits.
Kai, who snubbed a number of offers to join United's academy back in December 2020. Photo: @waynerooney.
The Man United legend cut a smiley face in the photo as he revealed all three were headed for their respective matches as he wished his two sons the best in their own outing.
Rooney posted the photo on Instagram on Sunday, January 30, just hours before his Derby side's clash against Birmingham City in the Championship.
While the Derby boss opted for a Rams tracksuit, the little ones stunned in full United kits, with The Sun reporting they had set out for their own matches with the Red Devils' youth teams.
"Proud dad before we all went off to our matches yesterday. Keep working hard lads," the former England international captioned the priceless image.
Kai, who snubbed a number of offers to join United's academy back in December 2020.
The 12-year-old has since managed to make a name for himself, thanks to his goalscoring prowess.
Back in October 2021, the youngster made headlines after he scored four goals against rivals, Liverpool.
As for Kit, he may be involved with United's very youngest age group as the six-year-old hopes to walk in his older brother's footsteps.
Evra goes into boxing
Earlier, Sports Brief reported Man United legendary defender Patrice Evra is gearing up to make his debut in boxing, reports suggest.
Orlando Pirates Punished for Tim Sukazi Fiasco After Losing Appeal
Evra enjoyed an illustrious football career with United, winning a string of trophies with the Manchester club – including five Premier League titles.
However, he now looks set for a temporary career change, with reports suggesting the Frenchman is in line to take his first steps in boxing as he gears up to feature on the undercard at a celebrity event in April.
Author: Fred Kennedy
Thunderbirds F.C.
Durban Ladies F.C.


text:
05 Nov Distance Learning Presents Challenges for Students, Parents and Teachers
Posted at 11:07h in Education by Danielle Parenteau-Decker 0 Comments
(Melody via Flickr / CC BY-NC-ND 2.0)
By Joel Umanzor Jr.
Distance learning is the new reality this fall for many students, their parents, teachers and school administrators in West Contra Costa County.
This mode of education — prompted as a reaction to the pandemic — has sparked plenty of concerns and presented challenges for everyone involved.
And opinions about how well it works are mixed and changing over time.
A Gallup poll released in August, says 36% of parents were in favor of returning to in-person instruction in schools, down from 56% in June. The poll also says 28% of parents wanted to continue remote learning, an increase from 7% in June. And 36% were in favor of a hybrid system that mixed the two.
San Pablo resident Judith Lopez helps her two grandchildren with their distance learning activities while their mother is working during the day. She says keeping the children's attention has been extremely difficult for her.
"They tend to get easily distracted during the day," Lopez said. "And I feel like I have to monitor my [8-year-old grandson's] internet activity because he likes to open new windows and not pay attention."
Lopez's daughter Aracely Hernandez said she appreciates her mother's help, but it has been difficult because her mother is not technologically savvy and it takes her some time to become familiar with distance learning details.
"My mom has been a huge help to me because I work six out of seven days in the week and don't have the time to monitor the kids and their progress at school," Hernandez said. "My son has not had problems in school prior to this year. His teachers have always had positive things to say about him but I've gotten a lot of texts from his teacher this year because he gets distracted."
Hernandez also said that she is concerned about her 6-year-old daughter in kindergarten and the impact distance learning will have on her education over the long-term.
"She is having a hard time nailing down her writing, and it worries me because I don't want her to be behind going into the next few years," she said. "The basics of kindergarten are supposed to lay the foundation for the rest of elementary school."
Hernandez said she believes that ultimately the various school districts statewide will have to figure out a solution to get children back to the level of education they had before the shelter-in-place began.
"I think that setting up a way to split the classes to have half-time distance learning and half-time in-person classes is going to have to come sooner or later because this virus doesn't seem to be slowing down anytime soon," Hernandez said.
For Richmond stay-at-home mother Lidia Mendes, the task of keeping her three children, who range in ages from 8 to 17 years old, is a full-time job.
"Even though the school day only goes about four hours or so, there is so much you have to do to make sure that they don't fall behind," Mendes said. "The real challenge I think comes with making sure they are not distracting each other, their classmates or their teachers."
Mendes said that because of the nature of Zoom and other conferencing services, there is concern children are using the chat feature and not paying attention to their teachers.
She's not alone in her concern.
A June Gallup Poll to gauge parents' concerns about distance learning showed more than four out of 10 parents said that physical distance and their children's attention spans were the biggest challenges.
>>>Read: WCCUSD Students Reflect on Challenges, Benefits of Distance Learning
Debora Damaris, an online after-school program volunteer, said keeping students engaged in virtual activities has been the most difficult part of her job because of how long the students have already been in front of a screen during the day.
"It's been tough because we have activities such as yoga, crafts or even homework help where traditionally kids would be able to separate into smaller groups, learn with each other and be able to have help hands on with different projects," Damaris said. "Just getting them to not leave the chat has been probably the hardest part because they already are spending so much time in a virtual space."
In an April, the Harvard Business Review offered advice on how to deal with "Zoom fatigue," the result of the eyes being stuck in a "constant gaze" in which the brain is continuously interpreting information.
Before this school year began, the Centers for Disease Control and Prevention added methods of dealing with "Zoom fatigue" to their distance learning parental resource kit.
The CDC's guidance includes various activities for parents to combat this exhaustion, yet families are not the only ones feeling it. Teachers in the West Contra Costa County Unified School District have also felt the limitations of having to use online conferencing platforms to communicate with their students.
Maya Kosover, who has taught at Richmond High School for the past six years, said that because students now have to break down information over technology, classroom instruction has become a to-do list rather than collaborative effort between classmates.
"It's just formulaic," Kosover said. "Especially in my classroom, I like to provide learning experiences where kids are up and moving."
Kosover added that because students don't seem as engaged through video conferencing, the energy that is usually felt in person has been lost.
"One of the biggest challenges seems like the lack of joy and just human connection," she said. "There is an energy that is shared in a classroom with laughter, encouragement, support and collaboration which is hard to mimic on a platform like Zoom."
"It feels isolating."
>>>Read: Distance Learning Raises Questions About Mental Health
Lopez said that she has been fighting that feeling of isolation for her grandchildren by limiting their screen time per day and taking them to the local parks to get fresh air and interact with other children.
"I try to take them out because they haven't seen other kids in so long and going to the park gives them something to look forward to every day," Lopez said. "Hopefully soon they'll be able to see their friends at school again."
In regards to feeling safe at the park in the midst of COVID-19, Lopez said that she believes that as long as her grandchildren stay physically distant from other children, wear their masks and properly sanitize, frequenting the park is no more dangerous than going to the grocery store.
Attempts to reach the West Contra Costa Unified School District were unsuccessful. According to its website, in-person instruction has been suspended across the district with no date set for a return.
Schools Scramble to Teach Teachers How to Educate Virtually
Cultivating Purpose: The Cultural Context of California's…
distance learning, Students, teachers


The 6th Annual Hudson River Craft Beer Festival is coming to Riverfront Park in Beacon!
Sample over 150 releases from some of America's best craft breweries!
MTA North, at Beacon Train Station. Riverfront Park is just steps from the Beacon MTA Station.


In the event that you are hoping to put resources into an extravagance home which ensures an effortless living knowledge with access to the best of offices, the up and coming new dispatch apartment suite at Fyve Derbyshire may be exactly what you are searching for. Being worked by Roxy Pacific Holdings, the mind boggling will have 71 units running from 1 to 3-room estimate condos and penthouses. The units are out available with a freehold residency and are evaluated to be prepared for empty belonging by end of November 2022.
Each unit is slated to have a high sharpened complete marble floor with timbre avoiding for it's living and eating regions. The rooms will have timbre flooring while the restrooms are to be finished with porcelain ground surface and stone element dividers. Gallery regions will likewise be worked with a porcelain flooring.
The general design of the site has been finished with much idea to magnificence and agreement consummately mixing utility with feel for the ideal living knowledge.
The whole engineering of Fyve Derbyshire is set to mirror the possibility of a "haven for the faculties" for future inhabitants. The complex has been comprehensively intended to give a feeling of quietness and bliss to the five faculties of Touch, Taste, Vision, Sound, and Smell.
The arranging and the building materials have been exceptionally engaged every one of the five faculties to make the living background at Fvye Derbyshire one of a kind and agreeable. Each cascade situation and each plant chose for the greenhouses has been insightfully picked to give the inhabitant a metro way of life nearby an entire urban tactile haven amidst the city's hustle clamor.
Fyve Derbyshire is situated on 5 Derbyshire Road in the lofty District 11. The site is halfway found, right in Novena Planning Area, the Core Central Region of Singapore. The complex is cartographically set on the T-Junction of Derbyshire Road, inverse of Adria and adjoining Derbyshire Heights.
Driving Ease: The train stations of Novena MRT and Farrer Park are around 520m and 900m far from the Fyve Derbyshire condominium separately. What's more, the Central Financial and Business Districts are each just around a 10-15 minute head out. The interstate ways out to Pan Island Expressway (PIE) and Central Expressway (CE) are likewise close to 10 minutes away by street.
This entry was posted in Singapore News Blog by Xaudio on December 21, 2018 by Alexandar Neil.
Fourth Avenue Residences is an up and coming new dispatch by famous engineer Allgreen Properties. On this colossal 1.9 hectares plot of private land will be a couple of pinnacle squares of an expected 455 lodging units. There will be a decent blend of 1-room to 5-room unit types with units confronting the downtown area of the acclaimed Bukit Timah Nature Reserve.
Fourth Avenue Residences condo will accompany an energizing subject. All units will be encompassed by the Green Nature, among the very much prepared offices; A 50-meter lap pool, plunge pool, Aqua Gym, Grand capacity room, Spa, Tennis Court, Gym Room and numerous other energizing offices. The Grand access to the improvement will be lavish to the point that occupants will be a jealousy to all guests. The unit format are exceptionally useful with great lighting and breeze in each edge of each home. All units additionally accompany quality outfits and fittings. An all around arranged home anticipates you.
Allgreen Properties is under the Kuok Group Real Estate arm in Singapore. The designer is one of the biggest property assemble in Singapore presumed for its quality form and reputation of solid take-up rate for its tasks. Allgreen's arrangement of advancement properties comprises of a blend of townhouses, patio and semi-segregated units. Allgreen Properties is additionally effectively in government arrive deals specifically to keep up a land bank. Allgreen has likewise joint endeavors being developed in blended activities in China; Shanghai, Tianjin, Chengdu, and so forth. It has likewise an apartment suite advancement in Vietnam, Ho Chi Minh City and a blended improvement in Vung Tau City. Allgreen's venture portfolio involves additionally in business spaces; Great World City, Tanglin Mall and Tanglin Place, in which the leader Great World City is one of Singapore's biggest coordinated property advancement.
The designer isn't new to the property advancement invasion. It has constructed some energizing activities; Skysuites@Anson, Cairnhill Residences, Queens, Viva, Pavilion Park, One Devonshire, Binjai Crest and numerous others. It has likewise as of late procured Royalville and Crystal Towers in the ongoing en-coalition free for all.
Fourth Avenue Residences price is attractive and is a bit of jewel that is found right in prime Bukit Timah. This district isn't new to the nearby or universal home purchasers. This advancement will be well sort-after because of the accommodation it accommodates its inhabitants. The Sixth Avenue MRT is correct associated with the improvement where Marina Bay Financial Center is only a 15-minutes train ride.
Fourth Ave Residences floor plans is the most functional along Bukit Timah Road. Bukit Timah is additionally known for its area for prestigious schools; Methodist Girls' School and Pei Hwa which is inside 1-KM sweep to the Mayfair Gardens, Nanyang Primary, Hwa Chong, NJC RGPS, NYGH, SCGS, ACS and a lot more are only a short transport ride away.
There is the shopping accommodations at The Grandstand, The Star Vista, Bukit Timah Plaza, Rail shopping center and Beauty World Center. The closest Cold Storage grocery store is only a short 2-minutes stroll for your day by day necessities. For occupants who drive can get on the closest Pan-Island Expressway which gets associated with all real freeway. The celebrated Orchard Road Shopping Belt is likewise a short 10 minutes drive along the Bukit Timah Road. This is where we can call home.
This entry was posted in Singapore News Blog by Xaudio on December 6, 2018 by Alexandar Neil.


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Business News›Magazines›Social media marketing has evolved in the BFSI category out of compulsion
Social media marketing has evolved in the BFSI category out of compulsion
Delshad Irani
, ET Bureau Last Updated: May 11, 2016, 06:07 AM IST
Look at how social media marketing has evolved in the Banking, Financial services and Insurance (BFSI) category out of necessity.
Banks want to 'Friend' customers. But she ain't buying. Here's a look at how social media marketing has evolved in the BFSI category out of necessity.
I'm a financial solutions provider. Not Shah Rukh Khan or Virat Kohli," says Rajat Mehta, president and country head -brand, digital & retail marketing, Yes Bank. It's a fact that all brands on social media must never forget. Khan or Kohli post a picture of their morning stubble and they get engagement rates that put Venezuela's inflation to shame. Mundanity and cute kittens, however, don't produce the same result for a bank or insurer, naturally.
That is why 'Content is King', a term bandied about indiscriminately, has never been more vital. Banks were early adopters of social media for marketing. They took to it like a hipster to craft beer; Twitter is an effective service channel to monitor and address customer issues. Facebook, LinkedIn and YouTube are more effective for affinity based targeting and brand building.
Instagram gives financial institutions the opportunity to have softer communication. And now, with encryption issues sorted, instant messaging apps like WhatsApp and WeChat are the new frontier. Goldman Sachs is even using Snapchat to hire younger millennial recruits. Lakshmi Goyal, head, brand and marketing, Standard Chartered, says, in the early days social media was used just for information dissemination, today, "it's an engagement and business acquisition tool." Banks are thinking outside the vault. In 2016, StanChart gave the world the first marathon that was run on-ground, on digital and in virtual.
#RunForAReason trended for 21 hours on Twitter. For insurers like Aegon Life social is a way to demystify daunting subjects in a way that won't make you cry. Aegon regularly ropes in comedians and influencers like Atul Khatri and Vir Das for digital-first campaigns like #NothingWillHappen.
Why? "Because they talk in a way that's relatable and relevant to our target audience," says Shamik Banerjee, chief marketing officer, Aegon Life Insurance. It's been over five years since banks got serious about social media.
Now we wonder how the Great Social Experiment has worked out for them and their "relationship" with customers. So BE checks in with two banks, one that's been around since 1994 and the other was born in the digital age, to see how healthy their social credit history is.
"We were born the same year as Facebook," says YES Bank's Rajat Mehta, "Today we have 860 branches. But in the early days we had to leapfrog our geographical limitations. Social media was a natural fit." The fact is, says Mehta, customers are trying to connect with brands more than ever before.
The bank has ten times more social media interactions over last year. Be it neutral (80% interactions are of the 'Hey @YESBANK, just saw your branch on my road!" variety), positive ("Great service.") or negative ("@YESBANK, DIE!", for representational purposes only); "It's very important to acknowledge and engage with speed, empathy and authenticity." Respond carelessly or droid-like and your fan count will drop faster than a Soyuz re-entry capsule. Two years ago, the bank took a content-centric approach and now the drops are "minuscule".
It's also generating content for social platforms offline. Yes Bank branches double-up as community hubs for events around social and environmental themes like rain water harvesting, teaching kids how to recycle and senior citizens how to use Facebook. Thus creating shareable content opportunities and taking the discussion online. Two hours after a user posted a picture of an over-flowing garbage dump outside a branch, Yes Bank had a response – a cleaned up bin. In return it got a thumbs up from customers.
The brand turned a potential crisis into an opportunity to generate goodwill, which, let's face it, is often as good as it gets. Built-in real intelligence, brand mentions flagged in real-time and interactions with the right people all go a long way to drive up engagement rates. For instance, says Mehta, "Snapdeal's Kunal Bahl tweeted about us.
It was important for us to pick that up and respond with as much wit and humility." Yes Bank is the highest followed bank brand (900k) and the fastest growing bank brand in the world on Twitter. (Source: The Financial Brand, as on March 29, 2016 )
Last year, ICICI Bank's 'Gift A Livelihood' social media initiative, a campaign to get more deserving candidates for the ICICI Academy (which trains and helps underprivileged youth) got 20,000 referrals in 6 to 8 weeks and reached over 20 million people. The most effective initiates on social platforms are participative in nature.
Campaigns like 'Day in a life with Pockets' where bloggers were invited to use, for a day, ICICI's social banking Facebook app only and share their stories. It generated 9.6 lakh impressions. Sujit Ganguli, head – brand, ICICI Bank, says banks fall into two traps on social media: 1) Talk technical, have a conversation but no connection 2) Don't talk business, instead "have beautiful conversations" about what you did over the weekend.
"How does that help my brand or add value to my audience's life?" asks Ganguli. ICICI decided to always talk about what they do best – money and how to live with it when it's abundant or scarce.
Activities including contests like #KnowYourBudget and #KnowYourTax are prime examples of keeping core competencies at the center while having simplified conversations about finances. Besides using social media as a service and marketing channel, it has also become, says Ganguli, a significant avenue to generate new business which has,for ICICI, become a sizable activity.
The Cardinal Rules
Even the Iron Bank of Braavos must follow the laws of social media marketing. Here are the Cardinal Rules based on insights from Tripti Lochan, CEO, VML South Asia, a full-service global digital marketing and advertising agency, which created ICICI's Pockets.
Rule 1: Stop thinking "I want to have a relationship with my customers". Because customers aren't rushing to change their status updates to 'In Relationship' with my bank! Financial intuitions must stop labouring under the misconception that social will change what users basically feel about a bank.
Rule 2: Social is a great tool for customer service. Tie up social channels to call centres and the last mile to quickly get to solutions before problems become nightmares. Only then are you valuable.
Rule 3: Treat social media platforms as important acquisition channels for new product launches. Recently, for a Singaporean bank's new product launch, social media gave the secondlowest CPA over all channels including call centres.
Rule 4: Don't be Hrundi Bakshi (the bumbling buffoon played by Peter Sellers in 'The Party'). Think of the brand as a stranger at a party. You don't just infiltrate a group conversation and start talking about yourself. One must have a point of view, leverage the interests of the group. Proactively get insights through listening and social analytics. Listen first, find relevant conversations and put your brand in the middle of it.
Rule 5: Use the power of affinity targeting. Show your content and promotion where appropriate. If a product or offer is relevant to a customer's status change then she'll listen instead of treating the message like it's the Bubonic Plague.
Shah Rukh KhanVirat KohliGoldman SachsRajat MehtaContent is King
1 Comment on this Story
Mike Smith1713 days ago
Thanks for sharing great research
PanacheET MagazineTravel


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189 F. 2d 374 - Red Ball Motor Freight v. Employers Mut Liability Ins Co of Wisconsin
189 F2d 374 Red Ball Motor Freight v. Employers Mut Liability Ins Co of Wisconsin
RED BALL MOTOR FREIGHT, Inc.,
EMPLOYERS MUT. LIABILITY INS. CO. OF WISCONSIN.
United States Court of Appeals Fifth Circuit.
Nelson Scurlock, Forth Worth, Tex., for appellant.
Mark Martin, Dallas, Tex., for appellee.
Before HUTCHESON, Chief Judge, and BORAH and RUSSELL, Circuit Judges.
HUTCHESON, Chief Judge.
Brought upon an automobile policy insuring a Chevrolet tractor No. 2258, the suit was for the recovery of sums defendant had, under 'Coverage-b Property Damage Liability', contracted and agreed to pay on behalf of plaintiff, as insured.
The claim was that the damages sued for were, within the meaning of Coverage-b, 'caused by accident and arising out of the ownership, maintenance, or use of the automobile'.
The defendant denied liability and, by cross action, sought recovery of premiums due and unpaid.
Tried to the court without a jury and upon evidence presenting no conflict, there were findings of fact numbered I to XII. The first eleven1 of these findings of the facts testified to, as distinguished from inferences or conclusions drawn from these. The Twelfth2 was made up in part of facts and in part of inferences from them. Based on these inferences and upon one conclusion of law,3 there was a judgment for defendant of no liability on the policy and for the premium sued for on its cross bill.
Appealing from this judgment, plaintiff is here attacking as erroneous the conclusions of fact finding XII, and the conclusion of law, and insisting that the judgment may not stand.
In support of its position, it invokes the rules of construction applied to insurance policies: (1) that the language having been selected by the insurer must be construed liberally in favor of the insured and strictly against the insurer;4 and (2) that if the language of the policy admits of two constructions, that most favorable to the insured must be adopted.5
In fuller and more precise support, appellant, citing and discussing cases,6 with particular emphasis on two from Texas,7 insists that the great, the controlling, weight of authority supports its contention that the accident and damages were within the coverage of the policy, and the defendant is liable.
Appellee, on its part, insists that the policy is unambiguous and that, under the facts as found and the authorities upon which it relies,8 it is quite clear that the district judge was right in holding, as he did, that the accident and damages did not arise from the ownership, maintenance or use of the automobile, and that there was no coverage and no liability.
While we are aware that cases may be found which support the narrow view of the loading and unloading clause contended for by the appellee, and given effect by the district judge,9 we agree with appellant that the weight of authority, and particularly in Texas, is to the contrary. We agree with appellant, therefore, that the statements made in fact finding XII, 'The truck had no connection with the gasoline which exploded * * * the use of the truck was not in any actual sense coupled with the leakage of gasoline', if regarded as findings of fact and not of law, are clearly erroneous, that is, without support in the evidence under the authorities we regard as best considered and controlling here.
Because the view we adopt, as not only correct in general but binding upon us as the view adopted in Texas, from which this case comes, is set out convincingly and with great clarity in the Texas cases, particularly the Brock case, cited in note 7, supra, and there supported by a wealth of citations, it is sufficient for us, without more, to refer to that case and to Pacific Auto Ins. Co. v. Commercial Ins. Co., 108 Utah 500, 161 P.2d 423, 160 A.L.R. 1251 and the annotations to it, as authority for our view and for a discussion of the two differing lines of authorities.
In stating that the Brock case, supra is authority for our view that there was coverage here, we are not unmindful of the fact that that case and all, or nearly all of the cases referred to in it, dealt with the proper construction of the 'loading and unloading' clause of the policy, and that the differences in the two lines of cases spring from the respective theories on which the construction is based.
One of these, the narrow or limited theory of 'coming to rest,' is that, for occurrences not directly involved in the loading and unloading, the policy affords no coverage.10
The other, the theory adopted in Texas and generally known as the 'complete operation theory', holds that the provision for use coverage extends to foreseeable consequences of what was done in connection with the use of the car, whether before, after, or during loading or unloading, so long as the act or think done by the insured's employee which causes the accident arises out of the use of the insured's car.
Neither are we unmindful of the fact that the act causing the accident, for which coverage is claimed here, occurred not while cargo was being loaded into, or unloaded from the tractor-trailer, but while the tractor was being fueled, and that it is contended that, therefore, the wider coverage accorded in connection with loading and unloading11 is not applicable here.
We are of the opinion that the definition of 'use' as 'including loading and unloading' is of no great significance in broadening its meaning and that fueling the truck for the journey was just as much a 'use' of it is making the journey would be. Cf. Panhandle Steel, note 7, supra, where 'use' was not so defined. Without, therefore adopting appellant's theory that the fueling of the truck was a loading operation, we hold that, though the invoked authorities do deal with accidents arising out of the handling of cargo, they are in point here where what was being done at the time the wrongful cause was set in motion was an act clearly arising out of either the maintenance or the use of the truck in readying it for its journey.
We rest our holding broadly upon the view, fully developed by the Supreme Court of Missouri, in Schmidt v. Utilities Ins. Co., supra, (353 Mo. 213, 182 S.W.2d12 185) that the words 'arising out of the ownership, maintenance, or use of the (truck)' are not words of narrow and specific limitation, but are broad, general, and comprehensive terms effecting broad coverage and that they are intended to, and do afford protection to the insured against liability imposed upon him for all damages caused by acts, of his employee in charge of the operation or use of the truck, done in connection with or arising out of such use. 'Arising out of' are words of much broader significance than 'caused by'. They are ordinarily understood to mean "originating from' 'having its origin in,' 'growing out of' or 'flowing from", or in short, 'incident to, or having connection with', the use of the car.
That the cause of the escape of the gasoline, which in unbroken sequence proximately caused the explosion was the negligent act of the driver of the truck in failing properly to close the valve after he had finished fueling his truck from the tank, was not disputed. That there was a direct and proximate causal connection, therefore, between the act causing the escape of the gas and the damages appellant had to pay, no one denies. That this act of the driver of the tractor, in not closing the valve, was an act incident to, and having a connection with, the ownership, maintenance, or use of the truck, we think may not be questioned. To deny coverage here, under these facts, because the gasoline causing the injury had never been in the truck, would be to limit the policy, contrary to its broadly stated terms and to the weight of authority, to damages or injuries proximately caused by the truck itself, as opposed to acts of the driver in charge of the tractor, done or permitted to be done in connection with the duties or services performed by him,- in this case fueling it- incident to and arising out of the ownership, maintenance, and use of the tractor.
The judgment is reversed and the cause is remanded for further and not inconsistent proceedings.
RUSSELL, Circuit Judge (dissenting).
Where a policy of automobile liability insurance provides for liability for damage arising out of the 'use' of the designated automobile, and defines 'use' as 'including the loading and unloading of the automobile,' I have no quarrel with the principle of the 'complete operation theory' which the decision in American Employers Ins. Co. v. Brock, Tex. Civ. App., 215 S.W.2d 370, so well announces and adopts as the law of Texas. However, even though the question of 'loading and unloading' is not involved in this case, as is recognized by the majority, the effect of the present holding is to apply the 'complete operation theory' to the 'use' of the automobile. I think the analogy is inapt. Where 'use' is defined as including 'loading and unloading' there is an extension of coverage to transactions and occurrences which properly can be held to contemplate acts and conduct beyond the use of the automobile merely as a vehicle. But the term 'use' without the enlarging endorsement is so restricted to the vehicle. It seems to me that the overlooking of this difference induces error in this case. Thus the application of the principle of the Brock case, supra, in the present case, results in the announcement of the theory, in effect, that acts done 'in preparation for use' should be treated as within the coverage of the policy. The holding that all acts which are necessary to the use of the covered automobile are so immediately connected as that accidents arising from them in law arise out of use of the automobile involves a concept which, I submit, is not authorized by the policy. Limitation of the application of such a theory within any reasonable bound will prove extremely difficult, if not impossible. Stated another way, 'loading and unloading' refer to cargo and articles and thus broaden the coverage of the policy. On the other hand, 'use' of the automobile reasonably and fairly contemplates only its operation as a vehicle. In this sense there is no ambiguity in the term 'use.' In order to cover a situation similar to that now held analogous to loading and unloading I should think the policy must contain words similar in meaning to 'preparation for use.' Only then would the negligent act now in question1 be subject to the application of the principle of the 'loading and unloading' cases which are referred to in the opinion of the majority.
I would affirm the judgment of the trial Court.
These were:
I. Defendant issued to plaintiff as insured an automobile policy, by the terms of which (Coverage-b Property Damage Liability) it contracted and agreed 'to pay on behalf of the insured all sums which the insured shall be obligated to pay by reason of the liability imposed upon him by law for damages because of injury to or destruction of property, including the loss of use thereof, caused by accident and arising out of the ownership, maintenance, or use of the automobile.
II. 'Use' was defined as including the loading and unloading of the automobile. By the terms of said policy, the defendant also agreed to defend in plaintiff's name, and on its behalf, any suit against plaintiff alleging destruction or damage to property and seeking damages on account thereof even if such suit is groundless. At the same time, the defendant reserved the right to make such investigation, negotiation and settlement of any claim or suit as was deemed expedient by it.
III. The limit of defendant's liability under 'Coverage-b Property Damage Liability' quoted above was $100,000.00. Said policy of insurance was in full force and effect at the time of the occurrence involved in this case.
IV. One of the pieces of equipment owned by plaintiff and covered by said policy was a Chevrolet tractor No. 2258.
V. Plaintiff properly notified defendant of the occurrence involved in this case, and thereafter notified defendant when several persons made claims against plaintiff for damages alleged to have been sustained by them as a result of the occurrence involved herein.
VI. Defendant notified plaintiff that in its opinion there was no obligation on its part to protect and insure plaintiff in regard to the accident and explosion involved herein, and stated that plaintiff should make their arrangement to handle the claims.
VII. Plaintiff employed Rawlings, Sayers & Scurlock, Attorneys, of Fort Worth, Texas, to conduct investigation, negotiations and settlement of the various claims, and to defendant any suits that might be filed on such claims, and agreed to pay said attorneys a reasonable fee for their services and a reasonable fee for such services rendered by said attorneys was $4500.00.
VIII. The total amount paid out by the plaintiff in settlement of the various claims and as expenses therein involved was $17,44.72. The settlements were all made in good faith; and the expenses included in said amount were reasonable and necessary.
IX. Since the filing of the suit the corporate charter of plaintiff has been amended, changing its name from Sproles-Red Ball Lines, Inc. to Red Ball Motor Freight, Inc.
X. On January 20, 1947, one of the plaintiff's drivers, in the course of his duty came to the employer's premises to drive a truck out with a shipment of miscellaneous freight cargo. The aforesaid tractor and a trailer made up the equipment for said trip. The employer maintained on the premises a gasoline pump, connected with two tanks, one underground and the other overground, to hold gasoline kept on hand to supply motor fuel for use in its fleet of trucks. This particular truck needed some for the trip. The said driver of the truck drove same up by the gasoline pump to get such supply of motor fuel for the truck. He found that the underground tank was empty, and he opened a valve between the two tanks in order to flow gasoline from the upper to the lower tank and thence through the pump into the truck. He also put the delivery hose and nozzle connected with the pump into the intake pipe of the truck's fuel tank, and there was an uneventful filling or partial filling of said fuel tank, then the filling was stopped, followed by withdrawal of the said delivery hose and nozzle. The truck driver next turned the aforesaid valve between the two tanks as far as it would go to close it, and thinking he had done so, but without actually having cut off the flow of gasoline through the valve, he then drove away in the truck about his duties and work. The said valve was faulty in that sometimes it did not shut off tight when first turned to a stop, and had to be worked back and forth until it would completely close. The failure to cut off the flow of gasoline at the valve this time resulted from the faulty condition of the valve and the neglect of the driver to notice that he would have to keep working the valve some more to close it completely. The employer's said premises were located in Fort Worth, Texas.
XI. The gasoline from the storage tanks continued flowing until it overflowed, and after coursing down the city gutters for several blocks, was ignited in some way, causing a rather destructive explosion, about an hour after the departure of the truck. The said truck, at the time, was some forth or fifty miles out of Fort Worth.
XII. The truck had no connection with the gasoline which exploded. Such gasoline had never even been in the fuel tank of the truck. It had not served the purpose of the truck at all. The truck had no defect about it connected with the leakage of the gasoline. The use of the truck was not in any substantial sense coupled with the leakage of gasoline.
I. The casualty in question in this case did not arise 'out of the ownership, maintenance or use of the automobile', and judgment should be rendered for the defendant
McCaleb v. Continental Cas. Co., 132 Tex. 65, 116 S.W.2d 679; Brown v. Palatine Ins. Co., 89 Tex. 590, 35 S.W. 1060; 24 Tex.Jur., 702-11; Lewis v. Ocean Accident, 224 N.Y. 18, 120 N.E. 56, 7 A.L.R. 1129; International Travelers' Ass'n v. Francis, 119 Tex. 1, 23 S.W.2d 282
Aetna Ins. Co. v. Houston Oil & Transport Co., 5 Cir., 49 F.2d 121; Love v. Northwestern Natl. Life Ins. Co., 5 Cir., 119 F.2d 251; 22 Texas Digest, Insurance, 146(3) p. 157
Schmidt v. Utilities Ins. Co., 353 Mo. 213, 182 S.W.2d 181, 154 A.L.R. 1088; Maryland Cas. Co. v. Tighe, 9 Cir., 115 F.2d 297; State ex rel. Butte Brewing Co. v. District Court, 110 Mont. 250, 100 P.2d 932; Maryland Cas. Co. v. Cassetty, 6 Cir., 119 F.2d 602; Earl W. Baker & Co. v. Lagaly, 10 Cir., 144 F.2d 344; Huntington Cab Co. v. Am. Fid. & Cas. Co., 4 Cir., 155 F.2d 117; St. Paul Mercury Ind. Co. v. Crow, 5 Cir., 164 F.2d 270; Pacific Auto. Ins. Co. v. Commercial Cas. Ins. Co., 108 Utah 500, 161 P.2d 423, 160 A.L.R. 1251 and note
American Employers Ins. Co. v. Brock, Tex. Civ. App., 215 S.W.2d 370; Panhandle Steel Products Co. v. Fidelity Union Cas. Co., Tex. Civ. App., 23 S.W.2d 799
Connecticut Indemnity Co. v. Lee, D.C., 74 F.Supp. 353; Bobier v. National Cas. Co., 143 Ohio St. 215, 54 N.E.2d 798; State ex rel. Butte Brewing Co., v. District Court, 110 Mont. 250, 100 P.2d 932; and cases cited in Annotation, 154 A.L.R. 1097-1098
Cf. Annotation to Pacific Auto. Ins. Co. v. Commercial Ins Co., 160 A.L.R.at page 1264
Cases of this kind are Ferry v. Protective Indemn. Co., 155 Pa.Super. 266, 38 A.2d 493; Stammer v. Kitzmiller, 226 Wis. 348, 276 N.W. 629
In Panhandle Steel Products Co. v. Fidelity Union Cas. Co., Tex. Civ. App., 23 S.W.2d 799, 801, though the policy did not contain a definitton of 'use' as 'including loading and unloading', the Texas Court held 'loading and unloading' included in 'use' and followed the rule of according liberal coverage
Cf. also Merchants Co. v. Hartford Accident & Indemnity Co., 187 Miss. 301, 188 So. 571
It should be borne in mind that this was in effect one degree removed from even refueling since the operation of the defective valve was essentially only a means of replenishing the supply in the tank from which refueling was accomplished


To unravel the immediate and remote cause of the fire incident that gutted three departments in the Federal Airports Authority of Nigeria, FAAN on Tuesday, April 11, the management of the authority has set up an investigative panel to investigate the incident.
Speaking at the FAAN headquarters, the managing director of FAAN, Saleh Dunoma disclosed that in addition to the panel's investigation, the Police will also carry out an under cover probe into the cause of the inferno to establish theories of conspiracy and possible sabotage.
Dunoma noted that it was premature to give the cause of the fire as it could jeopardise ongoing investigations.
He gave the affected sections as the Director of Commercial Services office, audit and corporate communications departments.
FAAN boss said the departments have been cordoned off to allow the relevant authorities carry out their investigations without tampering with any evidence .
Workers using offices in the affected sections will be relocated to other sections in the building to allow them carry out their duties, he said .
Dunoma stated that the fire incident, will not lead to shutting down down of the headquarters.
Commenting on efforts to build a befitting headquarters for the authority, Dunoma said the architectural designs are undergoing selection .
Dunoma explained that : " FAAN new headquarters is on going . We are looking at the designs , and the architects have submitted proposals . We are at the process of selecting designs and a consultant for the project . It is a difficult decision to take and we regret any inconvenience caused so far caused".
In his words: " We are all dejected about this fire incident , as you can see the workers are not happy .
But, FAAN is not shutting down , we have set up a panel and we will allow them do their work. This is the reason we cordoned off the affected sections of the building .
The fire which started about 9.00 am was said to have been triggered by power surge, throwing the complex into darkness .
But, FAAN fire rescue fighting team in collaboration with the Lagos State Fire Services mobilized to put out out the inferno after breaking into many offices .
A section of the headquarters has been cordoned off forcing many workers that had reported for duty to close for the day .
The panel is made up of the Nigerian Civil Aviation Authority, NCAA, Accident Investigation Bureau, AIB, Department of State Services, DSS, Nigeria Police, and personnel of its legal , safety and aviation security departments.


AGRIGENSOL is a technology-based company located in the Campus of Rabanales at the University of Córdoba (Spain).
Derived from the union and enthusiasm of a research team with a wide experience in plant breeding and biotechnology. The aim of the company is to offer our knowledge to the AgriFood sector and provide their requests.


Coffee tables and console tables abound in Infinita's extensive line of accent tables. Accent tables are usually made to function simply for that – accentuating a space – but Infinita has found a way to inject these simple furniture pieces with an intuitive usability. Sleek and discreet shelving and drawers can store away items that need to be readily available, and with their modern and resilient manufacturing techniques, they're sure to never falter. That's Infinita's smart manufacturing philosophy!


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What They're Saying About Us
Inactive/Old
Changing the Conversation - OLD
Industry Trends And Insights
Careers for Women Edit 1
TEMPLATE Changing the Conversation
Cynnie King
Working at CFW
Our Team 2
Careers for Women
Kudos for The Best Way in the World for a Woman to Make Money
Find Talent Old
Eugenia Neri
Candidates Old
Blog-OLD
Why CFW
Choosing CFW
Candidates-OLD
Find a Career-OLD
Find Talent-OLD
Samantha Wagner
CANDIDATE STORIES
"I had the pleasure of working with the team at Careers for Women after I graduated from Colby. They were quick to empower me with the ability to discuss my past experience in a way that made sense to future employers. Not only did they place me on multiple interviews, they were also able to support me in learning about what the full career trajectory would be with each position. That educational process was the portion of our relationship that I appreciate the most. Going forward, I know that I can always use them as a resource throughout my career as questions arise! "
— Dana R., Business Development Executive
From the bottom of my heart a huge thank you to you, David, and the rest of your team. For me it goes beyond the fact that you helped me with my career search, it is the fact that you believed in me and wanted not just to place me, but to find the right fit. You made me believe in myself and that means more to me than anything. I know this is just the beginning of my relationship with you all so I have the pleasure of looking forward to working with you in the years to come.
- Jared R., Account Manager
From the first time I met you and your team I have felt 900% more confident in all the decisions I have made! It has been a real pleasure working with you and your highly professional team. I am certain that the direction I am headed in is one that will be challenging, enriching, and most importantly, exciting. I look forward to it all with eyes wide open. With Rebekah's, David's and your guidance I have stepped into something that was beyond my expectations and genuinely thank you all for your help. I sincerely hope to maintain our relationship as time goes on.
- Alex N., Account Executive
"I could not have been happier with my experience with CFW Careers. They truly take the time to get to know you, your career path and suggest positions that play to your strengths and fit your personality.
I've never worked with a recruiting agency that supported you along the interview process. Cynnie was available day or night, on the road or in the office to jump on a call and make sure I was ready for every step of the interview process. The Careers Team also provided encouragement and guidance on making the best impression, both in interviews and in follow up communication. Benefiting from what I learned along the way, I'm now passing along the guidance to my friends. Careers gave me the confidence I needed to succeed. I cannot be more appreciative!"
— Samantha Amoroso, Account Director at Financial Times
We're proud of and grateful for the thank you's we receive from our candidates.
"I worked with other recruiting firms, and then I worked with your firm and thought, This is the way it's supposed to be! "
— Saif R., Sales Executive
"CFW has helped me shape our amazingly dynamic team in New York and Los Angeles throughout the past five years and I couldn't be happier to recommend them. Rachel and MacKenzie are my go-to experts; they understand nuanced skill and culture fit and are always available for detailed feedback to make sure the potential hires are exemplary. Not only is everyone at CFW intuitive and razor-sharp, they are also incredibly warm and nurturing, a combination that has given me confidence in their abilities across the board. I'm always left with an incredibly positive feeling every time I've dealt with this company - try them out!"
— Brad B., Head of Television and Branded Content
I owe a huge debt of gratitude to Careers for Women for helping me build my sales team over the last 6 years. After using a couple of other recruiters with mixed results, CFW opened my eyes to what excellence in recruiting really looks like.
- Peter Juncaj, Client Manager GlobalServe Inc.
I've had a wonderful career in publishing and Careers for Women definitely helped point me in the right direction.
- Carol Smith, Harper's BAZAAR Magazine
"I can't believe it has been nearly twenty years since I first walked into a Careers for Women seminar and heard David King speak. At the time, I was just twenty-four years old. While I couldn't quite say what is was that I wanted, I knew it was so much more than the dead end job in which I was stuck, earning just $21,000 per year.
I remember hearing David's words and listening to the stories of the women he placed who were all earning over $100,000 per year, and I was hooked. Before attending your seminar, I never viewed sales as a career that I would have any desire to pursue. I viewed salespeople as pushy and wanted no part of that. David changed my opinion of salespeople and set me on the path that would be my career. And he placed me in my first sales job—where I too was able to earn $100,000!
But even more than the financial success, the skills I learned as a salesperson—persistence, resilience, determination, self-reliance and not taking rejection personally—were skills that not only shaped my professional success—but were skills that were applicable to every part of my life.
Throughout the past twenty years, David King has been a trusted advisor, mentor, and someone who could always be called upon to provide expert guidance navigating important career decisions. "
— Gina Paoloni, President, GPC Concepts


Vision: Prepare CMC youth to meet the challenges of life and to become the person that God intended them to be.
Mentoring Purpose: For adults in the community of faith to walk side by side with their youth, helping them be and become unique expressions of God's love in the world.
interested in. Along with a list of existing mentors that are not available for choosing.
team up with each other in having fun with their mentees.
Update Mentor list spreadsheet with current email and phone numbers and the Google contact list.
Get Sexual abuse forms signed and returned.
Ask Mentors for suggestions of activities then send list of the suggestions to all the mentors.


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Official: Video shows Bruce Jenner likely caused fatal wreck
Updated: 4:12 PM PST Feb 18, 2015
Video shows former Olympian Bruce Jenner rear-ended two cars, pushing one into oncoming traffic in a fatal Malibu wreck that is under investigation, a law enforcement official told The Associated Press on Wednesday.Jenner was hauling an off-road vehicle on a trailer behind his Cadillac Escalade on Feb. 7 when he steered to avoid cars slowing for a traffic light in front of him on the Pacific Coast Highway, the official said.His SUV struck a Lexus sedan and sent it into the opposite lane. The driver, Kim Howe, 69, was killed when it was struck head-on by a Hummer.The official was briefed on the video but was not authorized to speak publicly and talked to the AP on condition of anonymity.The official said it also showed that Jenner's vehicle continued forward and rear-ended a Toyota Prius. Officials initially said the Lexus had struck the Prius.Investigators have sought cellphone records to see if any drivers were distracted, but the video appears to show that Jenner was not using his phone. His spokesman Alan Nierob has said Jenner was not texting and is cooperating with investigators.The 1976 Olympic decathlon champion better known these days as Kim Kardashian's stepfather passed a field sobriety test, but also submitted a blood sample to determine if he was intoxicated.His spokesman did not immediately return a call seeking comment.
LOS ANGELES —
Video shows former Olympian Bruce Jenner rear-ended two cars, pushing one into oncoming traffic in a fatal Malibu wreck that is under investigation, a law enforcement official told The Associated Press on Wednesday.
Jenner was hauling an off-road vehicle on a trailer behind his Cadillac Escalade on Feb. 7 when he steered to avoid cars slowing for a traffic light in front of him on the Pacific Coast Highway, the official said.
His SUV struck a Lexus sedan and sent it into the opposite lane. The driver, Kim Howe, 69, was killed when it was struck head-on by a Hummer.
The official was briefed on the video but was not authorized to speak publicly and talked to the AP on condition of anonymity.
The official said it also showed that Jenner's vehicle continued forward and rear-ended a Toyota Prius. Officials initially said the Lexus had struck the Prius.
Investigators have sought cellphone records to see if any drivers were distracted, but the video appears to show that Jenner was not using his phone. His spokesman Alan Nierob has said Jenner was not texting and is cooperating with investigators.
The 1976 Olympic decathlon champion better known these days as Kim Kardashian's stepfather passed a field sobriety test, but also submitted a blood sample to determine if he was intoxicated.
His spokesman did not immediately return a call seeking comment.


ZTE nubia X Vs OnePlus 6T: Dual Display or Waterdrop Notch Display?
Home Comparison ZTE nubia X Vs OnePlus 6T: Dual Display or Waterdrop Notch Display?
ZTE nubia X Vs OnePlus 6T are both trending for the right reasons. The Nubia X is totally different from other notch killers. It was recently released and it has no notch or bezels with a second display at the back that allows people to use the back camera to take selfies which makes it unique and it has many more great features. But with the likes of the OnePlus 6T by OnePlus will the nubia X win the heart of android lovers in the smartphone market? Will it even survive in the smartphone market? Well, please let's find out about it and so much more in our comprehensive comparison. Relax and Enjoy!
The nubia X is made of Aluminum and Glass. This smartphone is entirely notch-less and its dual fingerprint sensor is located by the sides of the device and unlocks in 0.1 seconds. At the back is a AMOLED touchscreen used for taking selfies. While the 6T is built with Aluminum. This device has a teardrop notch above the screen that houses the single-lens camera, there's a slim bezel below the screen and a dual-lens camera on the back. This smartphone has an In-display fingerprint scanner as well. The nubia X weighs 181g, while the 6T weighs less at 185g.
The nubia X sports a 6.26-inch FHD+ LTPS IPS LCD capacitive touchscreen screen with a resolution of 1080 ×2280 pixels, the screen has a pixel per inch density of 403. There's another screen at the back. It's a 5.1-inch OLED panel with 720 x 1520 pixels and another Corning Gorilla Glass 3 on top as well. While, the 6T sports a 6.4-inch Optic AMOLED capacitive touchscreen with 1080 x 2340 Pixels in resolution and 403ppi.
The X houses a Qualcomm SDM845 Snapdragon 845 chipset with an Octa-core processor clocking speed of up to 2.65GHz. The X has 8GB/6GB RAM and 64GB/128GB/256GB storage space.
While the 6T houses the Qualcomm SDM845 Snapdragon 845 chipset with Octa-core processor clocking at 2.8GHz. In the RAM department, the 6T has 6GB/8GB and 128GB/256GB storage space.
For the Software, the X runs on the Android 8.1 Oreo operating system. While the 6T runs on the Android 9.0 Pie operating system.
The X has a dual rear camera setup of 16MP + 24MP only. While the 6T has a dual camera set up of 16MP+20MP with a great front camera of 16MP with f/2.0 aperture.
Powering the X is a 3800mah Non-removable Li-Po battery with fast battery charging. While the 6T is powered by a 3700mah Non-removable Li-Po battery with fast charging.
They are both great high-end smartphones with cool features. However, the OnePlus 6T is a bit better than the ZTE nubia X this is due to the fact that nubia X selfie camera is located at the back but asides that the Nubia X is a great flagship device and they both offer an impressive performance thanks to the Snapdragon 845.
OnePlus 6 Vs 6T: Apart From The In-display Fingerprint, What's New?
OnePlus 6T Vs Oppo F9 Pro: Water-drop Notch Display Battle!


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9 Signs Of A High-Functioning Alcoholic
Functioning Alcoholics can be found *anywhere*... Even on the Internut!
While alcoholism is a devastating disease that can destroy lives, some people who struggle with it manage to hold down stressful jobs and big responsibilities. From the outside, these so-called high-functioning alcoholics seem to have it all together. They can drive nice cars, live in great neighborhoods, and make a significant income. However, just because they're high-functioning doesn't mean that they're immune to the effects of alcohol. They're still at risk of hurting themselves and others around them.
(mindbodygreen)
Dr. Nicholas Kollerstrom, author of Breaking the Spell: The Holocaust: Myth & Reality (Holocaust Handbooks) (Volume 31)
News Page Deanna's site
Official chat room Spingola Speaks.net
Al-Qaeda's Air Force: United States And Saudi Arabia
Yet while the Western mainstream press has attempted to paint the Iraqi claims of American assistance to ISIS as "conspiracy theories" and the manifestation of jealousy, that same press has been forced to admit that the bombing campaign has resulted in a stronger ISIS presence in Iraq and Syria and that the terrorist group has become stronger in terms of strategic location and military presence.
While the United States and NATO act as al-Qaeda's Air Force in Iraq and Syria, Saudi Arabia and the Arab League fulfill the same role in Yemen. In addition to bombing the Houthi rebels in a bid to retain ousted President Hadi in power and to prevent the possibility of greater Iranian influence in the region, the Saudis have also provided direct air support for extremists and al-Qaeda jihadis who are currently on the ground in Yemen, themselves taking control of swaths of territory.
*Destabilization Doctrine: ISIS, Proxies and Patsies
*Al-Qaeda a tool for West's political/military adventures
No Guest - News and Current Events Analysis
The Real Deal with Jim Fetzer 4/21/2015 - Five Major Illusions vs. Reality with Nick Kollerstrom
http://www.youtube.com/watch?v=R20OoTYdjeQ
Plane Hacking Goes Mainstream - New World Next Week
http://www.youtube.com/watch?v=Yd5Mut1q_UU
Alternative Saturday Cartoons 2015.04.25
See more cartoons @ SNIPPITS AND SNAPPITS
Jeff Brown on China & 9/11 truth; Chris Emery on OKC bombing anniversary
First hour: Jeff Brown of 44days.net, Truth Jihad Radio's correspondent in Beijing, reports on the prospects for China helping spread 9/11 truth, and other false flag issues including the three Malaysian airliners that fell out of the skies in 2014.
Second hour: Chris Emery, filmmaker behind A Noble Lie: Oklahoma City 1995 reports on last Sunday's OKC bombing anniversary, and previews coming attractions: his forthcoming film Shadow Ring, an exploration of the Council on Foreign Relations (CFR) and its stealth world takeover plan. The new film is based on the writings of frequent Truth Jihad Radio guest James Perloff.
During the first part of the hour we experienced difficulties talking with Chris, so Jim Fetzer came on and filled us in on his dispute with Gordon Duff and Veterans Today over the Jade Helm exercises.(BS)
The Real Deal with Jim Fetzer 4/21/2015 - Five Maj...
► Apr 04 (


I am a Senior Research Fellow in Behavioural Economics at the Centre for the Study of African Economies at the Blavatnik School of Government at the University of Oxford.
Showing farmers in remote villages motivational documentaries about successful people from similar backgrounds makes them more likely to make future-oriented investments in their children's education, in agricultural technology, and in durable assets and livestock.
Providing information on the likely outcome of elections from polls affects voter beliefs, turnout, party choice and party evaluation.
Giving unemployed youth information about their cognitive and non-cognitive skills increases efficacy of job search, employment and wages.
My new work examines the economic, social and political effects of unconditional cash transfer programmes.
In 420 Kenyan villages, we explore, using a multi-arm randomised controlled trial, the effect of relaxing financial constraints (through an unconditional $1000 GiveDirectly cash transfer), psychological constraints (through a goal-setting intervention), and external and internal constraints simultaneously.
In partnership with a neighbouring cash transfer trial, we study whether transfers affect group membership, civic participation and political attitudes.
We also survey non-recipients to explore whether transfers reduce village-level inequality in income and wealth.
And we examine how transfers and psychological interventions affect the structure and composition of social networks.