text:
Q: Java JSON tree structure creation from existing data Need your help with creating a JSON tree structure from available data. This is what is available with me right now,

The same data in json format is as below,

{
"employees": [
  {
    "empId": 1,
    "empName": "Alex",
    "empGroupId": 3,
    "empLevel": 0
  },
  {
    "empId": 42,
    "empName": "Sam",
    "empGroupId": 3,
    "empLevel": 1
  },
  {
    "empId": 22,
    "empName": "Max",
    "empGroupId": 3,
    "empLevel": 2
  },
  {
    "empId": 54,
    "empName": "Ervin",
    "empGroupId": 3,
    "empLevel": 3
  },
  {
    "empId": 1,
    "empName": "Alex",
    "empGroupId": 5,
    "empLevel": 0
  },
  {
    "empId": 42,
    "empName": "Sam",
    "empGroupId": 5,
    "empLevel": 1
  },
  {
    "empId": 22,
    "empName": "Max",
    "empGroupId": 5,
    "empLevel": 2
  },
  {
    "empId": 68,
    "empName": "Jack",
    "empGroupId": 5,
    "empLevel": 3
  },
  {
    "empId": 1,
    "empName": "Alex",
    "empGroupId": 7,
    "empLevel": 0
  },
  {
    "empId": 38,
    "empName": "Mark",
    "empGroupId": 7,
    "empLevel": 7
  },
  {
    "empId": 12,
    "empName": "Danny",
    "empGroupId": 7,
    "empLevel": 2
  },
  {
    "empId": 1,
    "empName": "Alex",
    "empGroupId": 4,
    "empLevel": 0
  },
  {
    "empId": 38,
    "empName": "Mark",
    "empGroupId": 4,
    "empLevel": 1
  },
  {
    "empId": 55,
    "empName": "Kate",
    "empGroupId": 4,
    "empLevel": 2
  }
]
}

I want to create a JSON tree structure which will map all the employees in hierarchical manner. Such that all the common employees will appear only once and according to their levels.
So basically, empName will have a unique empId associated with it. Multiple employees can be part of employee group [indicated by empGroupId]. The empLevel indicates level of employee, 0 being top person, then 1, and so on...
For e.g, if we consider first 8 rows in table above, it contains 2 empGroupIds, 3 & 5. Alex, Sam and Max are the employees common in both groups with levels 0,1,2 respectively. Ervin and Jack are the last level at 3. And since their top 3 members are same, the final structure will have: Alex -> Sam -> Max -> [Ervin, Jack]
So below is what I want to generate,

[{
  "empName":"Alex",
  "empId" : 1,
  "empLevel" : 0,
  "children" :[{
    "empName":"Sam",
    "empId" : 42,
    "empLevel" : 1,
    "children" : [{
        "empName":"Max",
        "empId" : 22,
        "empLevel" : 2,
        "children": [{
            "empName":"Ervin",
            "empId" : 54,
            "empLevel" : 3
            },{
            "empName":"Jack",
            "empId" : 68,
            "empLevel" : 3
        }]
    }]
  },
  {
    "empName":"Mark",
    "empId" : 38,
    "empLevel" : 1,
    "children":[{
        "empName":"Danny",
        "empId" : 12,
        "empLevel" : 2
        },{
        "empName":"Kate",
        "empId" : 55,
        "empLevel" : 2
    }]
  }]
}]

So far I have created a sample program to read the JSON file and mapped the employees. However not sure how to approach the design for this tree structure. This is what I have right now,
@Data
public class Employee {
    private Integer empId;
    private String empName;
    private Integer empGroupId;
    private Integer empLevel;
}

@Data
public class EmpLevels {
    private List<Employee> employees;
}

@Data
public class EmpTree {
    private Integer empId;
    private String empName;
    private Integer empLevel;
    private List<Employee> children;
}

My main method contains below stuff so far, regarding reading JSON and mapping employees,
EmpLevels empLevels = mapper.readValue(Paths.get("emp.json").toFile(), EmpLevels.class);
List<Employee> employees = empLevels.getEmployees();
System.out.println("Employees : "+employees);

How to go ahead with building the logic to generate the JSON tree structure? Do we have any libraries that can help here? Or any latest Java release feature that can help generate this one?

A: It is a matter of algorithm. Libraries or Java feature can't help you.
First of all, EmpTree.children should be type of List<EmpTree>.
@Data
public class EmpTree {
    private Integer empId;
    private String empName;
    private Integer empLevel;
    private List<EmpTree> children;
}

Here is a recursive function that build a EmpTree.
public EmpTree buildTree(List<Employee> employees, int empId, int empLevel) {
    List<Employee> parent = employees.stream()
        .filter(employee -> empId == employee.getEmpId())
        .collect(Collectors.toList());
    List<Integer> groups = parent.stream()
        .map(Employee::getEmpGroupId)
        .collect(Collectors.toList());
    List<EmpTree> childTree = employees.stream()
        .filter(child -> child.getEmpLevel() == empLevel + 1 && groups.contains(child.getEmpGroupId()))
        .map(Employee::getEmpId)
        .distinct()
        .map(childEmpId -> buildTree(employees, childEmpId, empLevel + 1))
        .collect(Collectors.toList());
    return new EmpTree(empId, parent.get(0).getEmpName(), parent.get(0).getEmpLevel(), childTree.isEmpty() ? null : childTree);
}

Use this statement to call the function.
EmpTree root = buildTree(employees, 1, 0);

A: When I look at your JSON, what first comes to my mind would be:
    public class Employee {
    private Integer empId;
    private String empName;
    private Integer empGroupId;
    private List<Employee> children;
    }

If thats not it, maybe their is a way to generate an Object from your JSON with Jackson/ObjectMapper and find an idea their? But I don't know if Jackson can do this without a given class, but maybe it helps you while looking for a solution.


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The Metéora (Greek: Μετέωρα, pronounced [mɛˈtɛoɾɐ], lit. "middle of the sky", "suspended in the air" or "in the heavens above" — etymologically related to "Meteorite") is one of the largest and most important complexes of Eastern Orthodox monasteries in Greece, second only to Mount Athos. The six monasteries are built on natural sandstone rock pillars, at the northwestern edge of the Plain of Thessaly near the Pineios river and Pindus Mountains, in central Greece. The nearest town is Kalambaka. The Metéora is included on the UNESCO World Heritage List under criteria I, II, IV, V and VII.
The Metéora (Greek: Μετέωρα, pronounced [mɛˈtɛoɾɐ], lit. "middle of the sky", "suspended in the air" or "in the heavens above" — etymologically related to "Meteorite") is one of the largest and most important complexes of Eastern Orthodox monasteries in Greece, second only to Mount Athos.
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text:
Q: need confirmation or needs confirmation I receive an issue reported in an issue tracker. That issue requires confirmation to check if it is a real issue.
How should the label be names as:
Need confirmation or Needs confirmation?

A: Is whatever needs confirmation singular or plural? If "an issue" is the subject, then use "needs"; if "issues" is the subject, then use "need". Examples: An issue needs confirmation. These issues need confirmation.
Or, if you are referring to a person, then use the appropriate singular/plural form of need. Examples: I need confirmation. We need confirmation. They need confirmation. She needs confirmation.
Even if there will be no subject in front of your "need/needs confirmation" label when it's presented to others, the subject should determine if it is "need" or "needs."

A: The answer depends on how you view the thought behind the message. It could be "I/We need confirmation or "This needs conformation".

A: Although either label may be correct in isolation, in the context of an issue tracker I think it is more appropriate to use "needs confirmation".
It is the issue that is the focus of attention. As well as "needs confirmation" there will probably be other labels such as "In progress", "In Quality Assurance" or "Resolved".
All labels should operate in the same way .  You don't want to mix "We need confirmation" with "This issue is in progress" or "This issue is resolved".

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Landon H. was the winner of a Terry Fox t-shirt for his exceptional fundraising efforts.
Surpassed our goal in fundraising. Great Job Mr. Gallison in organizing a successful event.
So many people help our little school in so many supportive ways. We would like to express our sincere thanks and recognize some of the special people that keep our school happy, healthy and learning.
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This country-specific Q&A provides an overview to Fintech law in Taiwan.
It will cover open banking, regulation of data, cryptocurrencies, blockchain, AI and insurtech.
What are the sources of payments law in your jurisdiction?
While banking businesses are highly regulated in Taiwan, laws and regulations enable non-banks to provide a variety of payment services. Among others, the Act Governing the Management of Electronic Payment Institutions and its enforcement rules (collectively, "E-Payment Act"), which took effect in May 2015, allows non-banks to offer the electronic payment services (as further described in 2(1) below; collectively, "E-Payment Services") approved by the Financial Supervisory Commissions (FSC), the government agency in charge of securities and futures products. The enactment of the E-Payment Act contributes to the growth of E-Payment Services in Taiwan. Currently, the FSC has granted approvals for six non-banks to provide E-Payment Services. In addition, the Financial Technology Development and Innovative Experimentation Act also offers a regulatory sandbox for applicants to test Fintech in a safe environment.
Can payment services be provided by non-banks, and if so on what conditions?
(3)	any company that issues an electronic stored value cards for making payments to various merchants and is approved by the FSC pursuant to the Act Governing the Issuance of Electronic Stored Value Cards.
What are the most popular payment methods and payment instruments in your jurisdiction?
Credit card payments remain the most popular payment method in Taiwan; however, the number of retail sellers offering, as well as consumers using, mobile payments is on the increase, and people in Taiwan (especially the younger generations) are getting used to purchasing goods and services not using cash or credit card. Some of the mobile payments use QR code system or other means to incorporate credit card functions into smartphones, while some of the mobile payments are offered based on digital wallet services offered by the electronic payment institutions licensed by the FSC. The Taiwan government authorities also provide various incentives to promote mobile payments. For instance, the Ministry of Finance provides a tax incentive to small businesses by allowing them to continue paying 1% in business tax (compared to the regular rate of 5%) so long as they offer mobile payment options to consumers.
What is the status of open banking in your jurisdiction (i.e. access to banks' transaction data and push-payment functionality by third party service providers)? Is it mandated by law, if so to which entities, and what is state of implementation in practice?
Currently, there is no legislation governing open banking in Taiwan. In the past, banks shared a strong mistrust of FinTech companies. For instance, there was an interbank budgeting and personal finance App by which users could connect to their bank accounts and track all the financial movements thereof. Although the business operator insisted that users provided their bank accounts and passwords voluntarily, and such App neither hacked the banks' network firewalls nor stole their customers' login credentials, the Bankers Association still suggested its member banks not to cooperate with such business operator. However, a positive shift in attitude among banks occurred at the end of 2017. Several banks have commenced to build their API ecosystems and cooperate with FinTech companies. The FSC also required the Bankers Association to assess the feasibility of introducing open banking and releasing customer information to third-party services providers in Taiwan.
How does the regulation of data in your jurisdiction impact on the provision of financial services to consumers and businesses?
Currently, there are only two ways for banks to share customer information with third-party services providers under Taiwan law. First of all, the processing of customer information by banks is subject to the Banking Act. The Banking Act requires all banks to keep their customer information in confidence, unless otherwise specified by the law or there is any exceptional circumstance as prescribed by the FSC. Moreover, a bank is only allowed to outsource the operations in relation to customer information to a third-party service provider after it obtains the FSC's prior approval. A bank shall not transfer customer information to any third party, unless the bank engages such third party to process customer information on its behalf and for its benefits ("Commission Model"). Otherwise, the bank would be deemed to have violated the Banking Act.
On the other hand, the current laws and regulations allow a financial holding company and its subsidiaries to share customer information for joint marketing purposes, and the FSC has designated the FinTech industry as one of the specific industries in which a financial holding company may invest after it obtains the FSC's approval ("Subsidiary Model"). Nonetheless, the customer information other than names and mailing addresses is only allowed to be disclosed, transferred, or jointly used after written consent from the customers has been obtained (i.e., an "opt-in" consent is required).
What are regulators in your jurisdiction doing to encourage innovation in the financial sector? Are there any initiatives such as sandboxes, or special regulatory conditions for fintechs?
The FSC has taken several initiatives to encourage the developments of fintechs.
The Financial Technology Development and Innovation Experiment Act ("Fintech Innovation Act") was promulgated on January 31, 2018 and took effect on April 30, 2018. The Fintech Innovation Act aims to establish a secured environment for innovations and experiments in financial technology while protecting financial consumers (the so-called sandbox). The regulatory sandbox allows approved applicants to be exempt from certain laws and regulations during a specific period and within certain scope, and henceforth fosters flexibility for innovative experiments. To date, only three (3) applicants in two (2) projects have successfully entered the fintech sandbox.
The FSC established the first fintech village in Taiwan, "FinTech Space", jointly with Taiwan Financial Service Roundtable ("TFSR"; the private wing of the FSC), with the aim of fostering developments in the local fintech ecosystem and accelerating innovation. FinTech Space provides programs such as "co-working space", "entrepreneurship mentoring", "digital sandbox", and "global cooperation". It was reported that 37 teams have been approved to enter into the space, including 6 international start-ups. On December 7 and 8, the forum, "FinTech Taipei 2018", was held under the instruction of the FSC, in order to demonstrate Taiwan's potential in the area of fintech developments. Many international speakers were invited to share their insights and experiences and interact with the local players.
To further liberalize the regulations of traditional banking, the FSC has announced new regulations and rules on allowing the establishment of the so-called "Internet only" banks. Many large companies are participating in the contest to win the operation licenses for "Internet only" banks, including ChungHwa Telceom and Line. Meanwhile, the FSC continues its efforts to encourage the use of e-payment tools in the Taiwan market.
Do you foresee any imminent risks to the growth of the fintech market in your jurisdiction?
The development of the fintech market in Taiwan is still in its early stages. Compared to the other economies in Asia, the developments in Taiwan are comparatively slow. Although the government has started to liberalize the regulations, the major obstacle to the development of the fintech market in Taiwan is still the strict regulations on the financial industry, which may be the major risk for all fintech players.
One notable example is "Cherry Pay". Cherry Pay was chosen as one of the top 10 fintechs by Startupbootcamp in Singapore in 2017. It was established by a Taiwanese and was once deemed the "pride of Taiwan". It provides services to facilitate the payments for cross-border e-commence activities, which inevitably would involve foreign currency related activities. In August 2018, right before the grand opening of the FinTech Space (Cherry Pay was one of the applicants), the Prosecutor Office conducted a search at Cherry Pay's premises due to allegations of breach of the Banking Act, which prohibits non-banks from operating foreign exchange related business, unless otherwise permitted under the laws. The founder of Cherry Pay expressed that he was surprised and disappointed by the action of the prosecutors as the FSC is familiar with Cherry Pay and had previously deemed Cherry Pay a leading example of the Taiwan fintech industry. Cherry Pay was applying to enter into the "sandbox" at the time when the criminal investigation was launched and its entry into the sandbox has yet to be approved.
What tax incentives exist in your jurisdiction to encourage fintech investment?
In general, companies and limited partnerships in Taiwan making investments may enjoy the general research and development (R&D) tax benefits, including tax credit of certain income tax liability for expenses incurred for R&D, and deduction of certain taxable income against R&D expenses. In order to encourage fintech investment, the FSC also promulgated internal guidelines with regard to the applications by the financial institutions for the aforementioned tax benefits.
Which areas of fintech are attracting investment in your jurisdiction, and at what level (Series A, Series B etc)?
The first fintech project entering the sandbox is a collaboration between a commercial bank and the largest mobile carrier in Taiwan, which allows the bank to levy the comprehensive and up-to-date credit record database owned by the mobile carrier and thereby simplify the account opening process. The second sandbox fintech project provides cross boarder wiring services. Other fintech investments in Taiwan also involve (i) internet banking, (ii) providing financial advice through algorithms or even AI or robots, for either discretionary or non-discretionary advice, (iii) blockchain application in various fields, such as cryptocurrency, mobile wallet or alternative payment system, and (iv) peer-to-peer lending platforms.
Many fintech investments in Taiwan are launched by existing financial institution players, such as banks or insurance companies. The development of other fintech investment projects generally reaches the stage of minimum viable products or product market fit after their Series A or Series B financing, and a few fintech companies are considered established players.
If a fintech entrepreneur was looking for a jurisdiction in which to begin operations, why would it choose yours?
After the legislation of the Fintech Innovation Act in 2018, the financial regulatory agency in Taiwan, the FSC, generally holds a more open attitude than that before the legislation. Since fintech projects usually involve new and un- or under-regulated practices and constantly trigger compliance concerns of a fintech entrepreneur, the sandbox mechanism in Taiwan can significantly reduce the compliance risk for a fintech entrepreneur, thereby taking the place of an early market player.
Access to talent is often cited as a key issue for fintechs – are there any immigration rules in your jurisdiction which would help or hinder that access, whether in force now or imminently? For instance, are quotas systems/immigration caps in place in your jurisdiction and how are they determined?
To protect domestic employment, Taiwan has developed very restrictive immigration rules. Foreigners are not permitted to work in Taiwan unless their Taiwanese employer obtains a work permit for them. The permit does not belong to the individual, but is issued to the employer for hiring a foreigner for a certain job. As a result, a foreigner with a work permit has very limited ability to change his/her employer. Moreover, in principle, foreign workers are only allowed to be employed to engage in specific types of jobs as prescribed by law, and the maximum period of work permit allowed for foreign white-collar workers is 3 years.
To eliminate hurdles that employers may face in accessing foreign talents, a new law took effect on February 8, 2018. The new law stipulates that a foreign white-collar worker who needs a longer period to seek employment in Taiwan may apply for a six-month visitor visa for multiple entry. In addition, if a foreign professional possesses special expertise that Taiwan needs in the fields of science and technology, economics, education, culture, arts, sports, etc., as announced by the central competent authorities, the maximum period of his/her work permit could be extended to 5 years.
If there are gaps in access to talent, are regulators looking to fill these and if so how? How much impact does the fintech industry have on influencing immigration policy in your jurisdiction?
Pursuant to the new law that took effect on February 8, 2018, the central competent authorities may announce that Taiwan is in need of special expertise in a particular area, and then prescribe the eligibility and required supporting documents for a foreign professional with such special expertise. Foreign professionals with special expertise are entitled to apply for a four-in-one Employment Golden Card, which combines work permit, resident visa, alien resident certificate (ARC), and re-entry permit. The Employment Golden Card allows foreign professionals to freely seek employment and change employer in Taiwan, and grants tax preferences to them. In order to attract financial sector professionals, the FSC has promulgated the requirements for foreign special professionals with financial expertise, including financial professionals in the fields of FinTech, e-Commerce, digital economy, technology management, green energy technologies, etc.
What protections can a fintech use in your jurisdiction to protect its intellectual property?
Under Taiwan law, the software developed in relation to fintech can be protected by intellectual property rights such as patent, copyright or trade secret. For patent, the subject of a patent right is 'invention' and an invention means the creation of technical ideas, and utilizing the laws of nature. An inventor may file an application with Taiwan's Intellectual Property Office, and the patent right will be obtained once the application is approved. For copyrights and trade secrets, there are no such registration or filing requirements in order to be protected by law. However, a copyright or trade secret is subject to certain features and qualifications; such as, 'originality' and 'expression' for copyright, and 'economic valuable' and 'adoption of reasonable protection measures' for trade secrets.
How are cryptocurrencies treated under the regulatory framework in your jurisdiction?
As this is a relatively niche market in Taiwan, there are no specific laws or regulations on cryptocurrencies thus far. According to the FSC's press releases, cryptocurrencies like Bitcoin are deemed as a type of "virtual commodities" unless they have any features that render them as "securities" as defined under the Taiwan Securities and Exchange Act ("SEA"). The definition of the term "securities" is relatively broad (thereby creating a certain level of ambiguity) under Taiwan law. Specifically, "securities" referred to under Article 6 of the SEA cover government bonds, corporate stocks, corporate bonds, and other securities approved by the competent authority, as well as stock warrant certificates, certificates of entitlement to new shares, and certificates of payment or documents of title representing any of the above securities. Given the above, whether cryptocurrencies should be deemed as securities under the SEA would be decided on a case-by-case basis.
How are initial coin offerings treated in your jurisdiction? Do you foresee any change in this over the next 12-24 months?
Thus far, there is no law or regulation specifically dealing with initial coin or token offerings ("ICO") or other investment activities involving cryptocurrencies in Taiwan. The FSC expressed the following view on ICO through several press releases. An ICO refers to the issuance of "virtual commodities" and the sale thereof to investors to raise funds. Whether the tokens in an ICO would be deemed "securities" under the SEA would depend on the facts of each individual case. In the event that an ICO involves any offering and issuance of "securities", it should be subject to the SEA.
Wellington L. Koo, the Chairman of the FSC, indicated in press interviews in October 2018 that the FSC was drafting regulations for ICO, and that the draft regulations may be published in 2019.
Are you aware of any live blockchain projects (beyond proof of concept) in your jurisdiction and if so in what areas?
In Taiwan, in addition to the cryptocurrency and fintech sectors, blockchain technologies are currently used in the healthcare and food manufacture sectors in more developed forms beyond proof of concept.
For example, a hospital in Taiwan launched a medical record system 'phrOS' using smart contract and blockchain technology in 2017, which allows patients to access and manage his/her own medical records, and authorise access to other medical professionals such as local clinic doctors. Similarly, a medical record management platform 'HealthPass' was launched in 2018. HealthPass allows users to upload medical information directly or through third parties. This platform aims to allow more control of medical records and information by patients, thus creating a patient-centred healthcare eco-system.
Blockchain technology is also used by food companies in relation to food traceability in Taiwan. 'OwlChain' is a food provenance system launched in 2017. It allows food manufacturers and farmers to disclose food origin information and aims to prevent fraudulence through blockchain technology.
To what extent are you aware of artificial intelligence already being used in the financial sector in your jurisdiction, and do you think regulation will impede or encourage its further use?
Artificial intelligence (AI) is already being used in financial and investment services, insurance services, etc. in Taiwan. In particular, compared to expensive financial advisors, robo-advisors are expected to replace humans in some roles and offer low-cost alternatives to manage people's money. On August 10, 2017, the FSC introduced new deregulatory measures to facilitate the development of robo-advisory services by securities investment consulting enterprises for asset management purpose (i.e., automated rebalancing transactions for the client). However, because of the current regulatory restrictions, only clients with at least NT$5,000,000 to invest would qualify for being accepted for the foregoing automated rebalancing transactions and they would also be subject to predetermined target portfolio weights. Generally speaking, it is necessary for Taiwan to loosen up the relevant laws and regulations so as to encourage further use of AI in the financial sector.
Insurtech is generally thought to be developing but some way behind other areas of fintech such as payments. Is there much insurtech business in your jurisdiction and if so what form does it generally take?
The development of insurtech in Taiwan generally started from the issuance of electronic insurance policy, of which the relevant processes shall meet the requirements and technology standards prescribed under the regulations. It has been further developed to utilize artificial intelligence technologies to facilitate underwriting process (including detecting fraud cases) and to simplify the claim approval process for certain types of simple claims, by designing different models based on historical data. Some insurers also engage financial robot services to assist in telephone customer services. Starting from 2014, the Financial Supervisory Commission started relaxing the restrictions applicable for on-line application of insurance policies by policyholders. For example, the access to on-line application no longer restricts to existing customers if other identification verification mechanism is in place; the restriction that the policyholder and the insured must be the same person has been lifted; the types of product that can be available for on-line purchase have been gradually relaxed through several phases of amendment to the applicable regulations.
Are there any areas of fintech that are particularly strong in your jurisdiction?
The major market players in Taiwan have been devoting in the improvement of customer experiences by deploying big data, artificial intelligence and insurance technologies in the fintech industry. Two Taiwan insurance companies were awarded by the Asia Insurance Technology Awards as the 2018 winners of the field of 'digital and omnichannel technologies'. For example, the industry first introduced in 2018 the 'video-based due diligence service' (of which the patent right application has been approved), which has the advantage of simplifying the insurance underwriting process, improving the operational efficiency and reducing waiting time. This innovation was further expanded into 'video-based claims service' whereby it becomes feasible for an insurer to acquire 'proof of survival' from the policyholder by arranging a video conference session between the policyholder and the insurer's medical personnel on the agreed payment date using mobile device. As compared with past practice whereby the insurer is required to conduct on-site due diligence, the approval processes have been expedited through the launch of the relevant technologies and services.
What is the status of collaboration vs disruption in your jurisdiction as between fintechs and incumbent financial institutions?
The fintech development model in Taiwan should be deemed as "collaborative" rather than "disruptive". The incumbent financial institutions are collaborating with fintech companies to enhance their services. According to a local survey, more than 60% of the incumbent financial institutions are willing to collaborate with fintechs to offer new types of services or to improve their current service skills. Some of the incumbents purchased services or products from fintechs and a few of them made investments in fintechs or even established their own fintech companies. Incumbents, such as banks, are working with universities and incubators for talent mining as well. Many competitions were held to encourage colleague/graduate school students to develop innovative business models and technologies. There has not been any disruptive "force" or "development" in the area of fintech in Taiwan.
To what extent are the banks and other incumbent financial institutions in your jurisdiction carrying out their own fintech development / innovation programmes?
Taiwan banks and financial institutions have been embracing fintech, either through technology or business model, and devoting many efforts and resources in adopting new technologies, although the developments are not as apparent or prominent as in other jurisdictions, such as China or Singapore. The main reason for this is that banks and the other financial institutions are subject to strict regulatory scrutiny. In Taiwan, financial institutions are required to obtain prior approvals for almost all of their business activities, including adopting new technology or engaging services providers. Another reason may be that the traditional financial products and services have been well developed in Taiwan and hence, consumers do not seem to be particularly enthusiastic about using new financial products or services. Currently, many banks already allow their customers to access their accounts via the Internet, including offering on-line ATM service. Many financial institutions also launched "Robo-Advisor" services. To extend their business, several financial holding groups joint different consortiums to compete to win the "Internet-only" banking licenses.
Are there any strong examples of disruption through fintech in your jurisdiction?
Unfortunately, there has not been any strong "disruptive" force in the fintech market in Taiwan. Given that offering of financial services is subject to strict scrutiny by the regulators of the financial industries as well as our central bank, many fintechs have been struggling in trying to find ways to sustain their operations. For example, before the FSC allowed e-payment services, local players had fought really hard against the foreign exchange regulation and the traditional banking system. Although the new e-payment law was finally promulgated, none of the new players granted with the required licenses have reached the "critical mass" thus far. P2P lending and crowd-funding may be two other areas where a few players have made their presence on the market, but the scale of their operations is still small.
Bio: Kemp Little is a law firm specialising in technology and digital media. Established in 1997, the firm delivers expert legal advice in a pragmatic, responsive and cost-effective way.


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How I Met Your Mother: 5 BEST Episodes Ranked & You'll Never Be Able To Guess What's At No. 2
Yes, many complained How I Met Your Mother had FRIENDS' hangover but isn't it a good thing?
Umesh Punwani
The journey of nine seasons and 208 episodes of How I Met Your Mother ended by leaving a bittersweet feeling to many. Yeah, a story about five friends residing in New York having a fixed place to hangout sharing their lives together sounded similar but this one came with an altogether different angle.
Yes, many complained it had FRIENDS' hangover but isn't it a good thing? The Legendary Barney, a hopeless romantic Ted, Let's Go To The Mall with Robin Sparkles, inventor of board games Marshall and our very own Lilypad – these characters have stayed with people who gave How I Met Your Mother a chance despite loving FRIENDS.
Let's take a brief look at the Best Episodes Of How I Met Your Mother:
5. The Ten Sessions (Season 3, Episode 13)
Remember how even the king of romance Shah Rukh Khan took Ted's idea of a romantic date in his film Dilwale? The Ten Sessions proves how romance has always been an integral part of the show. Ted's idea of a 120-seconds date was not just brilliantly written but also beautifully executed.
4. Slap Bet (Season 2, Episode 9)
Where it all started! Robin was no longer just some news anchor turned close friend after the gang exposes the dark secret she has been keeping since years (no Barney, not pornography!). Yeah, Barney thinks she's a pornstar whereas Marshall thinks she's married and this gives birth to *inserts Barney's evil laugh* the epic which went on to be known as Slapsgiving.
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3. Bad News (Season 6, Episode 13)
Apart from the lovey-dovey stuff and all the comedy, there are times when How I Met Your Mother tears right through your heart. One of such moments was when Marshall gets to know about his dad dying of a heart attack. Now, simple news wouldn't have done so much emotional damage but the fact that he just gets to know about this as he calls his father to inform him that his 'sperm is fine'. Fun trivia: The heartbreaking finale scene of this episode was shot in one take and we were 'not ready for this' (I'm still crying!).
2. Last Forever Part Two (Season 9, Episode 24)
The final episode of How I Met Your Mother is the most talked about the episode as it finally completed the beautiful story but also happens to be the most controversial one because of its ending. This episode takes a time jump and it gives closure to all the storylines in the series (we still don't know about that Pineapple though ). It's not important whether you liked the ending or no but what's important is that it makes you THINK and you makes you realise the thing that you're often searching for is often hiding right in front of you… in plain sight…
1. How Your Mother Met Me (Season 9, Episode 16)
It is a very special episode as it marked a landmark 200th episode for the sitcom. The episode was quite unique as for the first time in the series it wasn't Ted who was telling us this story… In this episode we see the entire series from her perspective and realise that there were so many instances where they could have met but "timing is a bitch". At the end of the episode, we finally see Ted and Mother in on frame (Sort of) with a hauntingly beautiful rendition of La Vie En Rose and will almost make you teary-eyed.
Among these 'Best Episodes Of How I Met Your Mother,' which is your favourite?
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Get more enjoyment from your TV & Home Theatre!
16 ways to get more enjoyment from your TV & Home Theatre!
TV Reception is only as good as the weakest part in your antenna system. Having every bit of cable, splitter, join, connection etc replaced; will result in less pixelation/squares on the screen.
2. Put your TV on the wall!
Wall mounted TV's are safer for kid's/pets and they also look amazing! When the cables are concealed and it looks like it's floating on the wall you can be a proud home owner. Nowadays it's quite common to have wall mounted TV's even in the kid's rooms, bedrooms, garages and anywhere else you watch TV.
Did you just do an AUTO TUNE? Professional manual tuning and calibrations can make a big difference. It's all the small touches that can make a big difference to your picture and sound quality.
Everyone thinks it's all about HDMI. Well did you know that for instance FOXTEL IQ delivers a better picture with a component cable!? And if you don't know what HDMI is than basically the quality of your TV picture and sound are only as good as the cables being used. There is a myth that a $100 cable gives you a better picture than a cheap one but using correct cables for your particular equipment is still vital and depending on the combination of equipment it can change from system to system.
5. Get a universal remote.
Okay so the cheap ones give universal remotes a bad name. They leave people just as frustrated as having 5 remotes with only some functions working and poor programming that doesn't make sense. A good universal remote that is well programmed will 'automate' your operations and give you complete control. A good uni remote will do 7 functions with the touch of one button and will fool proof your system to the point where you; 'can't stuff it up' no matter what button you press. Now isn't that a dream come true?
6. Sick of the same old boring TV channels?
There are several ways to spruce up your TV and give you more variety of TV channels. One is Pay TV. Another is satellite TV. With a satellite dish and decoder box you can receive hundreds of free TV channels from all over the world. The initial installation may be costly but the results can be well worth the results if you are a big TV watcher.
If you already have Foxtel or Austar than you can take advantage of AV distribution. Cabling can be installed so that you can watch that Pay TV in other rooms on other televisions in your home or office for free. Completely legal, this is a great way to take advantage of all those TV shows that are on late at night and you would like to watch from bed. Do you have to share the TV with your kids or wife/husband? Imagine if you could watch your favourtie shows in the garage or kitchen?
Your surround sound SHOULD sound like you are at your favourite cinemas watching a block buster, no matter what you're watching. We make professional adjustments and/or speaker positioning corrections to a D.I.Y surround sound systems all the time that give better perormance and have customers saying "WOW! that sounds way better!" It's all the small touches that make a huge difference. Forget the auto calibration mic:- alot of the time this is the culprit! Surround Sound calibrations is best done by experienced professionals.
Is your TV system easy to use? Can other people use it without needing a degree in rocket science? The user friendliness of your equipment comes done to the combination of your equipment and the way it is setup. Some systems have over a dozen ways for the hook up to be made. Having your system setup so it is easy to use is one of our specialties.
TV is just for watching right? What about the next time someone gets in and cleans behind the TV cabinet and disturbs all the cables. Having no wires seen and all cables concealed is a possibility no matter what your situation. Removing all the cables all together is not possible but they can be hidden and out of sight. Tidyness in the home helps you have a quiet and peaceful mind and lifestyle.
Is your gear as old as the hills? Do you still use a VCR? Do you still use a DVD recorder? There are better and simpler ways to record than on blank DVD disks. There are better and simpler ways than having walls full of DVD and VHS tape collections. Movies can be stored on portable hard drives and having the latest and greatest gear will give you higher resolutions, more amazing sound and eye-capturing visuals. Consult us for package deals with equipment that is easy to use, compatible and will give you performance, elegance and simplicity. TV Magic supply and deliver packages and systems for all budgets.
Do you use the internet on your TV? Don't know how? Watching your favourite YOUTUBE clips, internet movies, TV series or online activities can be experienced on the latest SMART TV's. If all you need is some professional installation or an internet connection near the TV his is one little way to use your TV to it's full potential and improve your lifestyle and comfort by watching everything on the BIG screen.
Do you have an iPad? Laptop or Desk P.C? Do you know how to view your photos, movies, peruse the internet on the big screen? One of the easiest and most popular ways of utilizing new TV's to their full potential is to connect your p.c, iPad or laptop. These days it's a whole lot easier and some systems do it automatically as soon as you're connected to the network. Using Apple TV you can stream music, movies and files from your iPhone, Mac or iPad to your TV wirelessly. Consult with us to learn what options are available to you and how it can enhance your TV viewing experience.
Did you know that it's not necessarily best to get equipment all of the same brand? Same brands can cause what's known as IR clashing and make your system incompatible with one another. Also what do you expect and intend to use your equipment for? Your enjoyment couldn't be any higher than if you consult with professional installation technicians who show and coach people on using their systems. Allowing them to put a package together specfically for your everyday needs and technical know how can make a system more enjoyable and user friendly.
Contrary to popular belief:- it is better to turn your equipment off with the remote than at the wall. Everyone knows that if you flick a light switch on and off repeatedly over and over that you will eventually blow the light bulb. The same goes with TV's. So you're not likely to do this with your TV but every time you do turn off your equipment at the wall a power surge of electricity is going through your TV capacitors and eventually they will blow. Televisions do last longer if they are just put into standby mode. That's why the stand by mode feature is there. Newer TV's use less electricity in stand by mode. Yes, there is a lot of hype about the wastage of that red light always on. If you have a newer TV that led light will cost you about $25 a year. However your TV will last 5 years longer. So would you rather save the money or spend another $1000 ish on a new TV 5 years sooner. These are the averages as per TV repair businesses. Either way you there is no perfect win/win. If you do want to make a decision though, TV magic recommend putting your TV into stand by mode. We have seen televisions regularly die (prematurely) from turning on and off @ the power point repeatedly (even within 12 months).
Getting the optimal performance from your Home Theatre and TV system requires all of the above! A lot of these steps require a professional. If you want your sytem to be better, easier to use, give you bang for buck, impress your friends, give you back your life, give you more control, bring the cinemas into your home, give you picture clarity and gob-smacking sound then TV Magic home theatre installation technicians are skilled and competent into evolving your previous problems into a proud, entertaining and high performing Hi Fi entertainment system that your friends and family will envy. Call 1800 TV Magic today!


Carnival Freedom is a 110,000-gross ton, 2,980-passenger ship that debuted in 2007.
Carnival Freedom is the latest ship to get upgrades as part of Carnival Cruise Line's Fun Ship 2.0 enhancement plan.
The multimillion refurb on the ship that debuted in 2007 added a new water park, sushi express, deli and mini golf course.
The water park features the 203-foot-long AquaTunnel and the 212-foot-long Twister as well as 75-gallon tipping bucket and kids area.
For food, there is a new Bonsai Express casual option as well as a re-branded deli. Expanded retails includes a new Carnival Adventures shop with items like snorkel gear, swim fins, sunscreen and waterproof backpacks.
Also on board is a nine-hold mini golf course relocated to Deck 11.
The work was done over three weeks in the Bahamas. The ship returns to sails year-round Caribbean itineraries out of Galveston, Texas.
The ship already has Carnival mainstays like Guy's Burger Joint, BlueIguana Tequila Bar, RedFrog Rum Bar, BlueIguana Cantina, Punchliner Comedy Club, Alchemy Bar and RedFrog Pub.
Carnival Freedom, which debuted in 2007, underwent a multimillion renovation during a three-week dry dock in the Bahamas in March 2019. Additions include a new WaterWorks aqua park, new Deli and Bonsai Sushi Express, expanded retail space and new mini-golf space.


An organized trading place (physical or electronic) on which securities may be purchased and sold by members. Individuals usually have access to a market through a brokerage or securities firm.
The chance of losing money on an investment because the price of the asset changes.
An amount that an employer may pay into a retirement account, such as the TSP, based on a percentage of the amount that the employee contributes.
A power of attorney that grants powers to make medical decisions for the principal.
The minimum amount you are required to pay the credit card issuer each month. You may, however, choose to pay more. Paying the minimum monthly payment may be helpful when you can only afford to make a small payment. However, interest charges can really add up when you stretch out a loan with minimum payments.
Anything that is generally accepted as payment for goods and services; a medium of exchange; legal tender.
(MMDA) an interest-bearing account that allows you to write checks. An MMDA usually pays a higher rate of interest than a checking or savings account. MMDAs usually require a higher minimum balance to start earning interest, and often pay higher rates of interest for higher balances. You are generally limited to six transfers per month to another account or to other parties, and only three of these can be by check. Most institutions charge fees with MMDAs.
A highly liquid investment that pays a short-term rate of return.
A document signed by a borrower when a home loan is made that gives the lender the right to take possession of the property if the borrower fails to pay off the loan.
An investment security for which a state or local government promises to pay an amount at maturity (usually more than five years in the future) with interest, in return for a current investment. Municipal bonds are generally tax-free, but not always.


The Szalinsky family once again discovers size really does matter in this follow-up to Honey, I Shrunk the Kids and Honey, I Blew up the Kid. Inventor Wayne Szalinsky (Rick Moranis) is preparing to donate his problematic shrinking/expanding machine to the Smithsonian Institution as he and his wife Diane (Eve Gordon) get ready for a long weekend away from their son Adam (Bug Hall). Wayne's brother Gordon (Stuart Pankin), his wife Patty (Robin Bartlett), and his kids Jenny (Allison Mack) and Mitch (Jake Richardson) volunteer to look after Adam while his parents are away, but as luck would have it (and the title would lead you to expect), the grown-ups are accidentally zapped by Wayne's shrinking ray. As the kids run amok, their miniaturized folks must contend with monstrously huge insects, wrinkles in the carpet that look like canyons, and other threats to the existence of the suddenly tiny. Honey, We Shrunk Ourselves marked the directorial debut of cinematographer Dean Cundey.
Critic Reviews for Honey, We Shrunk Ourselves!
Audience Reviews for Honey, We Shrunk Ourselves!
A BIG step down in the series. It's a shame that this was (to date) legendary cinematographer Dean Cundey's one and only effort as a director. Picking up a few years after the first, Adam Szalinski is now a preteen who, along with some friends and relatives, have a nutty situation on their hands when his inventor dad Wayne accidentally shrinks himself, his wife, and brother and sister-in-law. Even as a kid, I thought this was dumb. It's not funny, it's not creative, and it's basically just a rehash of the first, though done far worse, and with no real charm. It's also not a very fun film. It feels tired and pointless, and honestly I have no idea why it was made. There's no reason for it. Do yourself a favor and skip this awful mess.
This is a painful third entry into a franchise that never should have happened. The first film in the series was a decent movie, but it definitely didn't require any sequels, much less a third film. This third movie relies on previous explored ideas and doesn't have a shroud of originality to boot. There is nothing worth mentioning here, aside for the fact that the film's plot is tedious and unoriginal due to the fact that it relies more on previous ideas than anything else. Acting wise, there are some pretty unimpressive performances here and it really doesn't deliver in terms of good performances, and every actor seems bored and tired with the film's lacking material. This is a poor conclusion to a series that was better left as a standalone feature, and a film like this shows us why. The direction is poor with no emphasis on trying to create something refreshing and fun for its audience. Luckily this would be the final entry in this trilogy, and they would not make any more films. This is a pointless picture that just doesn't have a good plot to really be engaging and in turn it's a predictable film, one that is lazy and overall stupid. Like the second one, this relies on an idea that we've seen before while changing a few things around to make it interesting. However, with that said, this is far from interesting and in the long, the sheer awfulness of this third entry will make it a forgettable film, and one not worth seeing again. This is the type of film that was only made for making money without even giving any thought on how to make something, new, refreshing and above all fun.
Again, people get shrunk, but this time it's the adults. This movie has a couple of the original actors, but it's a bad script, and the other two movies did not need this follow up. This is a pointless movie, and I didn't enjoy it.
Gordon: I think Diane might notice this.
Wayne: Not if I shrink it.


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text:
Fergie Frederiksen: Happiness Is the Road | FESTIVALPHOTO
Fergie Frederiksen: Happiness Is the Road
Frontiers/BAM
Dennis "Fergie" Frederiksen rose to fame as vocalist of TOTO, and has cemented his position with bands and projects like TRILLION, LEROUX, FREDERIKSEN/PHILIPS, MECCA, FREDERIKSEN/DENANDER etc. This is a special album, being made during a period when Fergie was diagnosed and in therapy for cancer. In 2011 he was cured, and had a new record to display. Written from a perspective of how much you have to lose and the joy of being alive this is bound for glory…or?
Apart from being written in companionship with Jim Peterik (ex. SURVIVOR, PRIDE OF LIONS), the albuim also boosts the talents of Dennis Ward, bass and production, Dirk Bruinenberg, drums, Eric Ragno, keyboards, and Nathan Eshman, guitars. The general feeling of joy and happiness is contagious. The echoes of TOTO and SURVIVOR are there too of cause, with the polished brand of catchy AOR that Fergie used to flagship. I have a hard time with "Love Waits for No One". Not that it is downright bad but it is somewhat below the high average on offer here. At the same time it will not be an instant classic. "Elaine" and "The Future Ain´t What It Used to Be" may well be instant clöasics, but two out of 12 is not enough in 2011. The majority of tracks are above average, choruses, keyboards, catchiness and all doesn´t add up to more than slightly or above average in most cases. The routine is almost tangible, the flow sometimes admirable but the hard to define "it" that causes mass hysteria may have left the business a good whiole ago. A worthy purchase though, if not for anything else to celebrate that Fergie survived to tell his story.
Angel (Mirror to Your Soul)
First to Cry
Happiness Is the Road
I Still Believe in Love
Lyin´ Eyes
Love Waits for No One
The Future Ain´t What It Used to Be
www.frontiers.it www.myspace.com/fergiefrederiksen


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The new headquarters for the Forensic Investigation Services of the Toronto Police is comprised of one storey with a mechanical penthouse. Some of the subgroups within the Forensic Investigation Services section include the Photo Section, Witness Viewing, Crime Scene Officers, and the Automated Fingerprint Identification System.
The building included state-of-the-art laboratories for cyano-acrylate, ninhydrane, fingerprinting, body examination and biohazard (suspect/victim), and vehicle examination. The biohazard labs and body room were designed to adhere to Biohazard 3 design guidelines but are operated at Level 2 guidelines.
Variable volume air handling systems are employed for the office and laboratories, with the laboratories 100% exhausted. The exhaust is variable volume via fume hood or laboratory while biohazard laboratory exhaust is HEPA filtered. Heating water is generated and utilized for perimeter radiant ceiling panels. To ensure there is no suspect/victim cross contamination, laboratories are individually ducted and plumbed.


The Navy chair made of steel and inspired by Emecos design is an icon of the furniture industry. Made to last for years, this is a robust steel chair with classic lines. It dates back to World War II, when the US Army requested the production of a lightweight, durable chair. Perfect for a dining room, a kitchen or a bedroom, the Navy steel chair is available in several colors for you to choose the one that best suits your needs.
Today, does it again with this Navy Style Design Chair - Steel.We are helping to bring you design products that cannot be found elsewhere at cost prices directly from factories in Asia. Our team is always on the lookout for unique, top quality products and we are stepping up our efforts to bring you choice and quality at cost prices, products that will charm you with their design, their originality and their price!


Stuttgart is one of the largest cities in Germany as well as being one of the most visited. Combining a distinct landscape of rolling hills and valleys with some of the most recognisable architecture in Europe, the city is a fascinating blend of textures, colours, and sites. Now, thanks to Hotels.com, it is possible for you to experience everything the region has to offer from the comfort of a carefully selected Stuttgart Hotel. With a huge range of options for you to choose from and the finest hotels available to browse you will not be disappointed. It is as easy as logging online and seeing what is on offer. Hotels.com have finally taken the hassle out of finding your holiday accommodation. With vineyards, parks, and plazas, the city offers an eclectic tourist experience and rewards anyone who is willing to discover the region. Stuttgart is an ever growing economic and tourism centre and is fast becoming one of Germany's most popular cities. With a vibrant food culture and characteristically fantastic beer and wine at every turn, you really should discover this magical place before everyone else has a chance to.
Germany is famous for its rich manufacturing and car production history. Perhaps the country's most famous export, apart from beer, is Mercedes Benz vehicles. The city of Stuttgart is home to the headquarters of Mercedes as well as the fantastic Mercedes Benz museum. Charting the history of the manufacturer, the museum is a futuristic, almost entirely interactive space that houses some truly remarkable pieces of Mercedes history. What's more, all this excitement resides in one of Germany's most recognisable buildings. The fascinating double helix structure of the museum's exterior entices visitors in and is nearly as breathtaking as the displays inside. One of the city's most popular park areas is Killesbergerpark. Located across 123 acres in the heart of the city the park is something of an oasis in the hustle and bustle of the city. With a quaint steam train that operates throughout the park as well as wonderful observation tower that offers spectacular views of the surrounding area, it is the perfect place to get away from it all. If you fancy taking in a little culture and immersing yourself in some German history, then pay a visit to Staatsgalerie Stuttgart. For many years, the gallery was a small provincial affair that attracted a limited number of visitors. Thanks to major investment and regeneration in the mid 80's, the museum is now one of the leading cultural lights in Germany. Home to works by Max Beckmann, Joan Miro, Pablo Picasso and Henri Matisse the gallery's collection rivals any in Europe.
Stuttgart is a wonderful place to visit. Clean, accommodating and friendly, it is a holiday destination that does most of the work for you. However, there are a couple of small details that should be remembered when visiting the city. The city centre gets busy and with such good public transport services available, you are advised to forgo a rental car and explore the city on foot. It's cheap and easy and you will avoid lengthy traffic cues and confusion. Also, be sure to remember that beer in the city is often far stronger than many tourists are used to. Whilst the locals may be used to it many tourists aren't and this can lead to unexpected drunkenness. Hotels.com offers a bespoke, easy to use service through which you can find the best Stuttgart Hotels.


text:
Kathleen Brennan
Size doesn't matter much to cookbook author and SAVEUR consulting editor Deborah Madison, who lives in Galisteo, New Mexico, about 25 miles south of Santa Fe. The kitchen in her one-bedroom adobe house measures only 11.5 by nine feet and, according to her, "can only hold two people who are sensitive to each other". It suits her just fine, though. "I guess it's fun and glamorous to have a big kitchen," Madison says, "but the advantage of a small one is that you're not running around; everything is right there."
When Madison—onetime chef at the groundbreaking restaurant Greens in San Francisco and author of Vegetarian Cooking for Everyone (Broadway, 1997), among numerous other cookbooks—and her husband, painter Patrick McFarlin, bought their home, a former artist's studio, in 2002, the place was "a wreck". The kitchen, flanked by a bathroom and a laundry room, was in particularly bad shape. Because they planned eventually to construct a separate building, with its own kitchen where Madison could test recipes and teach cooking classes, the couple decided to make only a few changes to the room. They started by taking down a cupboard that was blocking the light. Once that was done, however, they ended up stripping the entire room, leaving only one set of glass-fronted upper cabinets.
With the help of a friend, local designer L. D. Burke, Madison then pieced together a new kitchen in the space. The layout, she says, was easy to figure out since the room was so small. Natural light is important to her, so she sacrificed a good deal of potential work and storage space in favor of a large set of floor-to-ceiling windows. To the right of those windows, under the old cabinets now used for holding glasses, plates, and cooking staples, are the dishwasher, the sink, and a small prep area. To the left are the refrigerator and an L-shaped peninsula, whose arm, fitted with a five-burner range, divides the kitchen from the eating area. An island wasn't an option, says Madison, because of the tight quarters. She also forsook additional upper cabinets and a ventilation hood in order to keep the room as open as possible; Madison dislikes cramped spaces.
Traditional handcrafted Mexican tile is popular in the Santa Fe area for kitchen countertops and backsplashes, but since it can make for an uneven work surface and is vulnerable to chipping, Madison instead installed wooden countertops, which she thought would complement her adobe floor. She didn't just leave the wood alone, however. Madison, who loves strong colors, painted the counter surfaces bright green; similarly, she used a vibrant lemon yellow shade on the outsides of the lower cabinets and drawers and a red-orange one on the insides. To balance the effect, she applied pale shades to the walls, wainscoting, and upper cabinets. For the backsplash, she attached tin to the wall with rivets: "It reflects light nicely," she says.
Madison says that her kitchen's compactness challenges her to approach cooking in a new way. For instance, it's difficult to be an "equipment-driven cook" when one doesn't have much space for such things. "Although I do have a blender and a food processor," she adds, "I've found that I can do plenty with my knives, mortar and pestle, and hands. I've kept it simple."
1. Useful Niche Recessed areas in walls are common in New Mexico homes. Madison fills hers with everything from pantry items to dishes.
2. **Face Forward **Cooking with her back to her guests doesn't appeal to Madison; that's why her stove overlooks the kitchen table. Though Madison is best known for her expertise in vegetarian fare, at home she prepares all kinds of dishes, including roast chicken and turkey and pan-seared fish.
3. Edible Art Madison uses this old Mexican table to hold bowls of onions, fruits, and vegetables. "I tend to make displays out of everyday things," she says.
4. Bright Ideas The peninsula is as functional as it is colorful: Madison doesn't like utensil drawers that are too deep ("Things tend to get lost in them"), so L. D. Burke designed shallow ones; behind them, he built shelves that one can access by pulling open invisible doors cut into the wainscoting on the back side. Many of the drawers in the kitchen also feature cutouts instead of handles; Madison finds them more convenient.
5. Java Jolt Madison and her husband own two of these Francis Francis! espresso machines; the other is red and is in McFarlin's studio. "We like their cheerfulness," she says.
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(Solved) In E-R modeling, entities within an entity class may have different attributes.
In E-R modeling, entities within an entity class may have different attributes.
Solved An entity class is described by the structure of the entities in that class.
Solved Besides modeling entities as rectangles, there are no industry standards for entity-relationship diagrams.