Giromatch promises its customers "Better Banking Together". We are a Direct Lending platform and offer our prime retail borrowers a complete digitized loan process at top rates. For investors we offer in this low yield environment a complete new asset class, namely the Deutschlandportfolio. What previously has only been accessible by banks, is now available to everyone – investing into a diversified prime loan portfolio and achieving an attractive return while keeping risks at a manageable level.
The first great advantage for investors is that they get access to this new asset class at no costs. Secondly, the investment into the Deutschlandportfolio is automatically diversified. This is being achieved by a matching algorithm that optimizes each investment. The third advantage is the security-pool. Giromatch deposits a certain amount of each earned euro into the security pool in order to build up a security cushion for investors.
The advantages for our borrowers result from the digitized loan application process. The loan application can be finished online in less than 10 minutes, no matter if you access Giromatch from home or mobile. A second advantage is the instant loan term confirmation without registration. After one enters all credit relevant facts, we show a customized rate, which we try to stick to as long as the input data was correct. A registration is not necessary in order to get a customized quote. A third advantage is our technology driven approach during the data verification process. A borrower does not need to send us documents proving the credit history. All we need from the borrower is a temporarily login into his/her current account, such that we can instantly confirm the credibility. Nevertheless, we think the most important advantage are the low rates we offer, which is only possible due to our digitized and cost-saving structure.
The ROI depends on the portfolio the investor chooses. We provide two different maturities. The shorter-term Deutschlandportfolio runs for three years and has an estimated gross return of 3.60 % p.a. Investors who choose the portfolio with the investment period of five years can expect a gross return of 4.00 % p.a. Due to our strong credit checks we anticipate no more than approximately 1% losses p.a. post recovery due to expected defaults.
We were able to inspire several business angels from the financial industry for our seed funding round. Hence, we were able to not only fund the company but also to win many important contacts in the financial industry. Prior to the seed round we invested our own money and money from friends and family. And we were granted an EXIST scholarship by the Bundesministerium für Wirtschaft und Energie (BMWi).
Today, new p2p lending marketplace Crosslend launched offering unsecured loans to consumers. Opening to borrowers and investors in Germany and Spain as well as investors in the UK, Crosslend aims for further European expansion and creating a unified European marketplace.
The Berlin headquartered startup was founded by Oliver Schimek and Daniel Schlotter (both had previous FinTech experience at Kreditech) and Marie Louise Seelig (formerly Skrill). Crosslend already raised a funding round prelaunch from Lakestar, Atlantic Internet and others.
When a loan is granted it is purchased and acquired by Luxembourg based Crosslend Securities SA and securitized by a series of 'notes'. Notes are debt securities which can be purchased by investors. A series of notes is made up of a number of notes, each with a denomination of 25 EUR. The total nominal value of a series of notes is equivalent to the amount of the loan. When a borrower makes their loan repayments, CrossLend Securities SA makes the corresponding payments of interest and principal pro rata to the holders of the notes.
This will enable Crosslend to offer a secondary market, which is due to be launched in a few months.
Borrowers can apply for loans from 1,500 to 30,000 Euro for loan terms from 6 to 60. Crosslend will grade loans in risk classes A to G, HR. Interest rates (APRs range from about 3.5% to about 17%) and borrower fees are dependent on the assigned risk classes. Crosslend checks submitted proofs of income for all loan applications.
To invest lenders first open an account with biw Bank, the partner bank of Crosslend, this involves a short video verification process of the investor's identity (webcam required). Video verification is an innovative account opening process which several German online banks started to use to replace the identification via postal communication.
Investors then deposit money into their account (250 Euro minimum). Then investors can choose which loans they want to invest into (25 EUR minimum bid per loan). Crosslend charges investors a 1% fee at origination.
Laimonas Noreika is the CEO of Finbee, a p2p lending service that launched last week and is open to international investors starting today.
FinBee is about borrowing for less and earning more when investing. We also are most user friendly p2p lending platform in Lithuania.
Firstly, our loans have high interest rate – from 10 to 40 percent. That means, that investor can expect higher return of investment, compared to other p2p lending platforms. Secondly, we have reliable software, that is developed by UK based Madiston. That means, that it is tested and extremely user friendly from day one. And finally, we pay great attention to selection of borrowers, so that the risk for investors is minimized as much as possible. On top of that, we invest 10 percent on total sum into each and every loan, so we share the risk with investors. In the near future we also will introduce compensation fund that in an unlikely case of borrower defaulting on its loan will compensate lenders their investment.
I would say that first and foremost, we offer cheaper loans than most of the players in Lithuanian market, including banks, payday loan companies and credit unions. This is achieved by implementing auction principle when borrowing. That means, that borrower can set interest rate ceiling, for example 15 percent. Lenders then are able to offer lower interest rate, therefore making loan interest rate for the borrower as little as 12 or 13 percent. This is free market at its finest, when the market sets the real interest rate for the benefit of the borrower. Secondly, we are very consumer friendly. We talk, look like and do our business like majority of our clients. We know, what they want and we are doing our best to meet those expectations. Lastly, we have a fair commission policy. That means that if borrower has high credit rating, our commission is lower.
It's all up to investors. Loan interest rate will be between 10 and 40 percent, therefore investors can decide for themselves if they want lower risk and lower potential ROI or higher risk with possibility of higher potential ROI.
How did you start Finbee? Is the company funded with venture capital?
TWINO is a peer-to-peer lending platform that connects investors with some money they could lend and borrowers who need some money for making their dream come true — buying a new car, covering tuition or medical costs, for travel and leisure, renovating their house or starting a business etc. The money is lent without a pledge. This is a chance for borrower to get a loan with a lower interest rate than a bank or the various short-term loan providers would offer, while the investor can make direct investments without institutional intermediaries and receive a higher return on his investments.
First and foremost, it is as chance to get significantly higher return on your investment than in a bank. Our financial solution allows omitting complicated financial operations that require high administrative expenses; therefore, it is possible to provide the service for a lower cost.
Secondly, so far, TWINO has been the only company in European market to offer opportunities to invest into consumer loans with buyout guarantee that completely minimise the risk of investor.
Finally, you do not need to meet face to face or sign heaps of documents to become a TWINO investor — you can save yourself the precious resource of time! You can live anywhere in the world and become a TWINO investor, you physical location does not matter. All the investor has to do is to e-mail a scanned ID document to prove his identity.
The Latvian households similarly to the ones elsewhere in Europe are victims of the frozen economy after the crisis. If they want to make a larger purchase but can not put money aside from their monthly income, they have two options. They can borrow the money in a bank, but very often banks are not willing to credit these people due to strict crediting terms or they can get a short-term loan with very high interest. This is why TWINO is almost the only way of borrowing money with reasonable interest.
The borrower can fulfil any of his needs with the money, including investing in his future — paying for tuition or essential assets or even starting a career in business or a investing in a start-up, thus supporting the local economy. It is very topical people living in the countryside regions and to those, who cannot access bank loans and cannot get a short –term loan with low interest.
Finally, borrowers should not be afraid that they will not be able to evaluate their borrowing capacity adequately — TWINO has an experienced team that evaluates every borrowing request separately according to the rules of the Consumer Rights Protection Centre and they follow the progress of giving back the borrowed money. If the TWINO team sees that the borrower has encountered unforeseen difficulties, we look for solutions together with the client. This means that you must not be afraid that you will not receive consultations and help just because this is a financial technology. The TWINO team members are ready to help you any time by providing consultations and looking for solutions together with you.
Out investors earn roughly 10-20% per annum. Of course, this can fluctuate depending on their investment amount.
What is the background of the company running Twino?
Yes, the technical platform has been developed in Latvia by the experienced FinaBay IT Solutions Team.
What has been the greatest challenge so far in the course of launching Twino?


The very serious business of dieting | L. G. William Chapman, B.A., LL.B.
The first time I thought about losing weight was immediately after graduating from law school in 1973. Three years of cooking my own food for the first time in my life had not been an improving culinary or dietary experience. There was an adage at law school that in the first year they scare you to death, in the second year they work you to death and in the third year they bore you to death. By the time I had reached third year at law school I was spending a good deal of time with my cronies at the Piccadilly Tavern where I regularly ordered quart-sized bottles of beer and afterwards contrived to absorb the liquid by eating sandwiches made of thick brown oatmeal/molasses bread and Cheese Whiz.
This sort of "diet" contributed to my enlargement to what was then a record 210 pounds. When I subsequently began my articling job on Sparks Street, Ottawa my new diet was cigarettes, raw vegetables and bicycling about 100 miles per week. There was no booze (primarily because I had no friends to drink with) and all my food came from the nearby By Ward Market which in the summer brimmed with fresh produce (which was cheap enough for me to sustain on my articled clerk's salary of $4,000 per annum). I lost a lot of weight, reducing to something like 150 pounds.
Later in my career, when I ran my own law office in Almonte, I began indulging and bulging once again. Whiskey (which by the way is loaded with sugar) was a favourite of mine and pasta was about the only meal I knew how to cook other than steak and potato (with tons of sour cream and butter naturally). When my weight threatened to force me out of my tailor-made suits I desperately embraced the Atkins Diet which was then the rage. A fat friend of mine had tried it and lost weight. My conviction was unparalleled. Within a matter of days I had removed every carbohydrate from my larder and instead stocked the fridge with filet mignon, pork chops, chicken, sausage, bacon, fine cheeses and some token fresh vegetables. I drank vodka martinis to wash it all down. I even drank bacon fat – though not without some nasty results (my hands swelled and my rings had to be cut off at the hospital with industrial clippers). But I lost about thirty pounds.
Eventually the protein diet lost its attraction (even vanity has its limits) and I imperceptibly retreated to my old eating habits. In 2007 I had open-heart surgery. That too prompted me to consider eating something different. No more ritual breakfast visits to the Superior Restaurant for three eggs, bacon and sausage! Gawd I loved that stuff!
Although I lost some weight after my heart surgery, I never exercised much control over what I ate (though I imagined I was eating a more "balanced" diet because I wasn't obsessed with any regime in particular). My weight continued to climb little by little. Even though I haven't had a drop of alcohol since December, 2013 (coinciding by design with my 65th birthday) my weight has stabilized but not gone down.
Last year when we began our five-month sojourn on Hilton Head Island we discussed the matter of losing weight. We didn't however make any headway (nor of course any changes to our habits). This year we have renewed our effort to lose weight. This time we are being decidedly more strict about what we eat. And our steadfastness is more visible.
and Signe's Heaven Bound Bakery & Café famous for its lemon squares.
Even when not exposed to such obvious temptation I satisfied the sugar craze through peanut butter and granola. Nor was it entirely foreign to spoon from the can condensed milk (that gooey, sweet substance with a caramelized flavor and a light brown colour). Belgium chocolates were rationalized as a sophisticated treat (and somehow miraculously healthful).
My most recent introduction to cautious eating was last year when I heard from the Shouldice Hospital that they would not consider me as a patient for inguinal hernia surgery until I lost 45 pounds. The Shouldice Reducing Diet #4 is essentially lots of vegetables, some fruit and protein, no bread, pasta or sweets. Because I tried the diet for a short period – and it worked – I have been drawn to it as a formula for success. It wasn't however until we actually landed on Hilton Head Island this year that my effort began in earnest. The last time I had a sweet was the night of our arrival when I had – and very much enjoyed – a Key Lime pie for dessert at the Salty Dog Café. Since that night it has been a fairly steady stream of vegetables and fruit. I have occasionally indulged my appetite for raw nuts (cashews, walnuts and almonds) and I stock plain yoghurt as an after-dinner treat (usually complemented with fresh blackberries or Golden berries but pointedly no sugar, honey, maple syrup or Agave).
My usual breakfast is sliced green apple, blackberries and – wait for it – prunes. I sometimes add wedges of Mandarin oranges. I have strong, black coffee with that course. Afterwards it's slices of ham, 2 thin slices of Vermont cheddar cheese and one or two eggs fried in a bit of olive oil. I garnish the eggs with tomatoes or diced green onion. I may even have a stick of celery or carrot.
Though we sometimes go for lunch at Sea Shack, normally we skip lunch (not because we're restraining ourselves but because we haven't the appetite for it). For dinner I have been having a Greek salad, Caesar salad, Gazpacho soup or just a plate of raw vegetables, normally followed by grilled plank salmon, filet mignon or chicken. Dessert is yoghurt with fruit (blackberries or Mandarin orange wedges) and perhaps some raw nuts. Once I had half a sweet potato; I also enjoyed some special crackers. But for the most part I have avoided starch, bread, pasta and rice. Even when we occasionally dine out we either dismiss the need for bread or, if it is delivered to the table, we leave it and the butter there, a blunt and unfortunate ignorance. We don't even ask about the dessert menu. I certainly no longer stock either peanut butter (which I used to eat from the jar with a spoon) or granola (which I ate by the bowlful). And English muffins, croissants or bagels are right out along with butter, strawberry jam, honey and butter. The only things remaining in the cupboard which are on the Shouldice list of "Forbidden Foods" are canned corn and beans and their life-expectancy is limited.
Though I initially overlooked saying so, I hasten to add that we bicycle almost every day. My average is only about 12 miles and there is nothing frightfully energetic about it, just rolling along at sea level from here to Coligny Park and back again. But it satisfies the prerequisite for exercise in addition to dieting. We bicycle regularly in Canada as well.
We have been on Hilton Head Island for four weeks. Several weeks ago I bought a cheap ($14.99) weigh scale at Coligny True Value Hardware store. If the device is to be believed we have both lost some weight in the past month. The decline (whatever it may be) is most certainly not precipitous but I am nonetheless encouraged to imagine that we are on the right path. If nothing else we can say that we subscribe to the oft-repeated maxim to "watch what you eat", a simple enough prescription yet one which nicely captures the plain truth about the very serious business of dieting. It at least avoids the gimmicky models of dieting; there are no drugs involved; there is moderate pain; little cause for regret; and apparently an incremental though glacial amortization of weight.
The really horrible feature of this business is that it is a business. There is no escaping the employment of thinking, planning and execution. There is naturally a degree of deprivation. One must accept that certain foods must be abandoned. Even toying with the so-called occasional treat is playing with fire and has its undeniable repercussions. In my lifetime I have quit smoking and drinking both of which I "seriously" enjoyed. But those habits, like my eating habits, were killing me. There is a psychological struggle rejecting indiscretion absolutely but it is equally manifest that even the smallest transgression can precipitate an avalanche of disadvantage. As cavalier as one may be, as entitled as one may feel, there comes a time when one admits that on balance the risk isn't worth it, that the pay-off is too little, that the opportunity may be lost. Maintaining such a clear-headed approach is all the more difficult if one dares to question whether this – or anything for that matter – is really worth it. It's not as though I have a lifetime ahead of me. And I'm certainly not doing this as part of a beauty pageant rehearsal. But there are immediate health benefits from losing weight even if the cosmetic reward is missing. The trick is not to see the action as a forfeit or as a loss, just tedious prudence. It also helps to remind oneself that the former eating habits were no more dynamic than the new ones. Repetition is by definition an accident of any habit. So it makes sense to opt for the least harmful routine.
In the end I don't suppose anyone cares how sylph like you look in your coffin. But on that theory there isn't much purpose in doing anything resembling reason. Nothing matters eventually. There is however the possibility that there yet remains time to enjoy the moment without having to contaminate it. And if all else fails, the fact of the matter is that I do not intend to fail. I have made up my mind that this is going to happen. I won't say I'll never revert to my old habits but I am determined to see this through! So hang onto your hat!
This is after all a very serious business!
Upon further deliberation I have resolved that if I should be so lucky as to have the date or time of my death predicted within reasonable certainty my Dying Wish is to have several toasted English muffins slathered in Gay Lea salted butter, Kraft creamy peanut butter (not too much) and Billy Bee honey (just a dribble). With a glass of milk of course. And if I still have time – and the appetite – a crusty baguette smeared with Kraft mayonnaise, Gruyère cheese and some Romaine lettuce. And a glass of milk.
As compelling as I obviously find this to be I am not in the meantime anxious to trespass upon the dietary impropriety. I already know the consequences (which is what I am attempting to avoid) but I also know the unsurpassed delight. Besides everybody needs a Dying Wish.
This entry was posted in General on December 2, 2016 by lgwilliamchapman.


text:
UChicago and Brazier Foundation Team Up to Bring Product Ideas to Life
Partnership Gives Local Residents Real-World Design Experience at Polsky Exchange
Earlier this year, Daniel Czyz, PhD, an infectious disease researcher at the University of Chicago, realized he needed a product for his research that did not yet exist. For help, he turned to the Polsky Center for Entrepreneurship and Innovation and to Bronzeville resident Maria Maxwell.
Maxwell, who had recently completed training in computer-aided design and robotics through the Bishop Arthur M. Brazier Foundation in Woodlawn in an effort to launch a second career, was serving as a design consultant at the Polsky Center's Fab Lab––a suite of state-of-the-art fabrication equipment that is housed at the Polsky Exchange, the Polsky Center's 34,000 square foot coworking space on 53rd Street.
Since last fall, the Brazier Foundation and the Polsky Center have been partnering to give the foundation's students real-world design experience while helping to bring the ideas of Polsky Exchange members to life.
With Maxwell's assistance, Czyz created an adapter plate that was specially sized for microscope chamber slides used in his research.
"I had a lot of experience in science and using research tools, but I had zero experience in designing them," said Czyz, a 34-year-old postdoctoral scholar in microbiology, who joined the Polsky Exchange two years ago. "Working with the consultant eased my experiment because there is nothing else like that available on the market."
Maxwell said it took her only two hours to design the adapter plate using measurements Czyz provided. "I was so excited, and nervous at the same time, to be involved in something so important," said Maxwell, who worked on several design projects during a 15-week consultancy at the Fab Lab.
A major goal of the Polsky Center is to accelerate the commercialization of research by taking products from concept, to design, to production. Alyssa Berman-Cutler, director of community economic development initiatives at UChicago, said the partnership meets a need for the community and for the Polsky Center.
"The Brazier Foundation's computer-aided design and robotics systems management training program is the only program of its kind on the mid-South Side," said Berman-Cutler. "Their students were looking for real-world experience, and Exchange members are often in need of CAD work for the prototypes they wish to create in the Fab Lab."
The Fab Lab includes 3D printers, routers, a laser cutter, and vinyl cutter, a spray booth, and woodworking tools that are available to Polsky Exchange members, which include UChicago students, faculty, and staff; partner institutions; and local residents. Elizabeth Koprucki, assistant director of the Fab Lab, notes that spaces housing this type of hardware get a lot of attention, but equally important is the software that runs the machines.
"Industrial design work can be expensive, and this gives our members a cost-effective option for seeing their creations through to production," she explained. "We want members to know if they have an idea they should approach us. We're open, we have resources, and if they don't know how they can come to us, even if they don't have the technology.
Daniel Czyz's prototypes inside the printer after they finished.
Up to six consultants from the Brazier Foundation work in teams of two to produce computer-aided design and drafting work for Polsky Exchange project teams of up to five members. Additionally, there is a Fab Lab internship position that has been filled this year by Carolyn Whitehead, a student in the Brazier Foundation CAD program. The program is a pilot that will continue if both parties remain interested.
"Our goal is to provide our students with manufacturing skills that are relevant in a 21st century workplace," said Trista Bonds, training manager and manufacturing director at the Brazier Foundation. "Our CAD students are qualified to do two and three dimensional design work, which can then be uploaded to the Fab Lab machines and produced."
Bonds adds that the Foundation's program, which has been active since 2012, has three levels focused on electronics, machine controls and robotics.
Nikki Bravo, who is charged with administering and growing the foundation's training program from a workforce development perspective, added that gaining hands-on experience at the Polsky Center Fab Lab removes a barrier for community members who are changing careers or who are unemployed or underemployed.
"This partnership allows our participants, who are mostly underemployed adult women with children, to get valuable work experience," Bravo said. "While we cannot control market forces, we can begin to have a workforce development plan to support good jobs for community residents."
The opportunity for new career options is what attracted Maxwell to design and robotics training. After a longtime career in human resources, she had been out of work for two years before signing up for the program.
"I was looking for a way to recreate myself. I wanted to do something that I would love and be good at," said Maxwell, who now works full-time at the Apostolic Church and has been asked to help teach the robotics classes.
Through the partnership, the design consultants also receive memberships to the Polsky Exchange. Maxwell used hers to attend some of the classes the Polsky Center offers for entrepreneurs.
As for the adapter plate Maxwell sketched the designs for, Czyz says he is considering a provisional patent. Even if he does not pursue taking his product to market, his experience working with the design consultant has encouraged him to try other projects at the Fab Lab.
"I wanted to see what the Fab Lab is capable of because I have a few other ideas," he said.
By Patricia Andrews-Keenan and Calmetta Coleman
Photos by Elizabeth Koprucki
Nonprofit writes a "LUV" letter to the South Side through community-driven art installation series
After strengthening its organizational structure with UChicago's Community Programs Accelerator, Washington Park-based nonprofit LUV Institute is celebrating 10 years of service
With help from UChicago's Community Programs Accelerator, The Provident Foundation is poised to support additional South Side youth of color pursuing medical careers
Inspired by the historic Provident Hospital and Training School, the nonprofit provides scholarships and ongoing mentorship
At inaugural South Side Strong Summit, UChicago's Community Programs Accelerator helps nonprofits forge connections, sharpen skills, and deepen impact
More than 30 Nonprofits Welcomed into Accelerator's 2022 Cohort with Deeply Rooted Dance Theater and Ladies of Virtue Each Receiving $50,000

redpajama_set_name: RedPajamaCommonCrawl


- A story of murder, a Court Martial, and some very dubious machinations of officialdom to have a 503d trooper transferred out of the state so he could be executed. There's a film script in this one.
- All too often, tales are spun of battles which are figments of men's ambitions. The record is here corrected.
"My Day With The Rattlesnakes"
When John Reynolds completed the "Partial History of the 503d Negros Mission" he did not have the benefit of any comments from "B" Co. Louis Aiken, a platoon sergeant of "B" Co. co-authored this article with John Reynolds.
- John Lindgren revisits the scene of The Night - Still, in my view, the finest article on the website, it catches the bittersweet memories which are the essence of a Corregidor Revisited. It does for Corregidor what the first chapter of Bernie Lay's Twelve O'Clock High did for the 8th Army Air Force.
"The Night of a Thousand Hours"
- On the night of the 18/19th February, the weight of the initial Japanese attack fell upon F Company dug in over the magazine of Battery Hearn. Earlier that day, F Company had taken Battery Smith, and had withdrawn to positions atop Battery Hearn and Way Hill. Bill Calhoun presents the comprehensive study of the action, and the lessons learned.
- A spectacular pictorial catalogue of large format (10'x8') photographs of the parachute drop of 16 Feb 1945 - now available direct from Fred Hill, who was a member of the Recon Unit.
"An Outline of Events at Wheeler Point on 18 and 19 February, 1945"
- More years ago than I'm sure he cares to remember, John Lindgren felt the compulsion to get to the bottom of what happened that night at Wheeler Point. This article was his starting point, and though he resolves some old questions, new ones are sure to arise. This won't be the final word on the topic, but for the moment we bring it to you perhaps as your starting point towards understanding the Battle at Banzai Point.
The 503d's Negros Campaign was not only extensive, it was also multi-phased and complex, and it evoked ambiguous and sometimes vastly conflicting memories as to what occurred. John Reynolds comprehensive article includes a chronology and a four phase analysis of the most difficult campaign of them all.
- Reprint of a contemporary article from the Vol III No. 4 (April 1945) edition of the official Confidential AAF publication for pilots and bombardiers, IMPACT.
- The text is reproduced from the Vol III No. 9 (Sept-Oct 1945) edition of IMPACT, the Army Air Forces' Confidential Picture History of World War II.
"The Strange Tale of Suicide Cliff"
- The story of Suicide Cliff is just that - a story. There was no mass suicide there, and the stories of them were perpetrated by unscrupulous operators seeking big tips from Japanese tourists. The area, known to members of D Company, 503d PRCT as "Banzai Cliff" has a more interesting origin.


It's hard for a naive user to digest five different replacements for a simple word on a computer menu like File or Save. Getting used to inconsistent terminology can be a major hindrance in path of the popularity of localized desktop. Therefore, FUEL's aim is to come up with the most appropriate and acceptable translations by collaborating with active communities and localizers who are having standardization problems in translation. The project tries to give native language desktops a consistent look and make the localized desktop more usable for native language speakers.
There are lot of problems in the localization process. When translating any text, often we can translate one word in many ways. Misinterpretation, ambiguity, and lack of context can create critical problems for users. For example, in Hindi, the word "copy" can be translated in 45 different ways. It's a similar story for words like save, print, and tools. And different localizers use different words according to their preferences.
In previous standardization efforts, people generally worked on their own, with no collaborative input. Those efforts lacked the participation of active localizers and desktop users. For example, some government organizations and institutions of India have labored to create computer glossaries with several thousand entries and made them available to the public -- but no one used them! Because of complexity, lack of clarity, and nonuniformity, few people supported those efforts.
By contrast, FUEL is not a simple glossary project. Its process can be divided in four broad phases called the FUEL journey. A project starts with a list of all major desktop-related entries that appear on menus and sub-menus on a desktop, its panel, browser, office suite, editor, email client, instant messenger, and terminal. Currently there are 578 list entries in the POT file. Initially, if any language localizers want to work on the issues of standardization by following FUEL, their community needs to concentrate on these 578 entries. Getting these entries ready for translation by attaining consensus among localizers and experts can help standardize desktop translation quickly. This approach improves usability more than others that take on different applications one at a time.
FUEL is an attempt to standardize terms for the whole desktop instead of concentrating on different applications separately. At present, FUEL incorporates representative entries from the GNOME desktop, OpenOffice.org, Firefox browser, Evolution email client, and Pidgin instant messenger, so that it can have at least all the entries that a normal user uses very frequently. Later, on demand from communities, FUEL can incorporate more applications in its list from different projects.
Final evaluation of translation of a FUEL entries list is not a task performed by one or two people; rather, all active localizers of a language community sit down with language and technical experts to discuss and agree on one final list. They also agree that after the release of the list, all localizers will use only the terms on the list for their English counterparts, which ensures the success of implementation phase.
The release of an evaluated FUEL list is not the end of the process. A language community won't get the actual benefit of FUEL without implementation of the translated menus, so FUEL incorporates an implementation step to make the process complete. It is the responsibility of translators to implement the released FUEL list.
FUEL provides a set of steps that any content-generating team involved in creating localized content can undertake to ensure consistently high quality of their translations. The process involves a version control system, a ticketing system, and a mailing list. Each FUEL list is provided in different formats (PO, ODS, and PDF) for the ease of the general public. FUEL's language coordinators send information to mailing lists of the language about any development related to FUEL for that language. By joining and talking on the fuel-discuss mailing list, anybody can comment back to the project members. On a yearly basis each project adds new entries to the main FUEL list. In this way, development of terminology is tracked like software development.
Every process in FUEL is open from beginning to end. If anybody wants to start working on any language, he must inform the whole community through the mailing list. Evaluation of FUEL entries is also done via the mailing list. After the evaluation process, again, the evaluated FUEL language list is released on the mailing list of the community and the fuel-discuss list. Anyone can file a bug against any entries by creating a new ticket from project page. If the community agrees on any modification in current list, they can change it. Thus the whole development process for terminology is similar to any open source software development process.
Hindi, one of the most spoken languages of the world, is an encouraging example for the FUEL project. With hundreds of dialects, Hindi is one of the most difficult languages for standardization. Although CSTT of India has made one glossary for Hindi language for standardizing computer terminology, it has not been widely accepted among software translators and localizers. Sarai and IndLinux have been organizing translation review workshops since 2003, and the experience of these workshops helped a lot during the final evaluation of FUEL Hindi. In this year's translation workshop, after discussion, the Hindi community agreed on the need to work on standardization. In July, all active localizers, along with language and technical experts, sat together for two days to discuss and finalize Hindi terms for the 578 FUEL entries. Finally, on July 13, FUEL Hindi was released as a community-approved set of guidelines.
The Hindi FUEL release is now in its implementation stage, and the community of Hindi language has started working on implementation. The community has completed implementation of FUEL for Firefox and now started working for GNOME. The implementation process involves changes in the existing translations, replacing some entries with others from the FUEL list. The implementation phase is lengthy and labor-intensive. All major projects are already available with Hindi localizations, so it will take at least another release of involved projects to implement FUEL recommendations for Hindi language.
In the weeks since the successful release of FUEL Hindi, four more languages have actively started working within FUEL.
Words are the only wealth I distribute among people."
The importance of words is ultimate for the FUEL project.
If any language community wants to work on FUEL, it should start by sending information about using FUEL for their language to their community mailing lists and the FUEL mailing list. The FUEL process is open for all enthusiasts who want to join the evaluation process; collaboration and cooperation of whole community is a must for the entire process.
Achieving the end of standardization is not an easy task, as it requires a lot of change and rework in existing translation, so there is a possibility of slower growth of FUEL fully implemented languages, but the process ensures that, when a localized version is released after implementation, it will come with greater reliability and perfection due to the collaborative and open process. In short, FUEL is a collaborative, open, and transparent way to achieve standardization.


An experimental new treatment for breast cancer can dramatically shrink and in some cases eliminate tumors in mice that have been infected with the disease, a study released this week said.
The new therapy involves a combination of a chemotherapy drug, Taxotere (generic name docetaxel) and a novel compound called JMR-132, that starves the tumor of growth-stimulating hormone. The compound binds to receptors on the tumor, and in so doing blocks the release of the growth hormone.
Tested separately, the drug and the growth factor inhibitor were extremely effective at shrinking the tumors in mice infected with a hard-to-treat, estrogen-independent form of breast cancer.
On its own, the Taxotere reduced the volume of the mice tumors by an average of 74 percent in three weeks. In mice treated with JMR-132, the volume reduction was 63 percent.
Together, the two therapies reduced the volume of the cancerous cells by more than 97 percent. In some cases, when the researchers examined the dead mice, they could not find any cancer cells at all.
What's more, the treatment did not appear to be toxic or trigger any other major side effects in the animals, suggesting it might be well-tolerated in humans, the researchers said.
Breast cancer is the most common malignancy among women in the Western world and ranks second as a cause of cancer-related deaths, according to the Proceedings of the National Academy of Sciences.


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Toyota hints at newer versions of the Supra
March 14, 2019	0	By autotimesnews
Chief engineer of the project, Tetsuya Tada, said in a recent interview that "Supra needs to continue to grow every year," probably hinting that it will soon be updated with new options.
He did not go into details, but added that he would eventually be offered an entry-level version that would be 110 kg lighter. It will provide a four-cylinder engine BMW. The role of this engine is suitable for a 2.0-liter turbocharged engine from the BMW Z4 sDrive30i, which provides 258 hp. (190 kW) and 400 Nm of torque. Acceleration to 100 km / h in this case will take approximately 5.2 seconds.
Speaking about the weight of the base model, Tetsuya Tada also hinted at a version with more power and a sports suspension, noting that she could follow in the footsteps of the 86 GRMN, presented in 2015. It came with a carbon fiber hood, Plexiglas windows and a large rear wing, which reduced the weight by 45 kg. For her proposed new suspension settings. Under the hood is a modernized four-cylinder engine that generates 216 hp. (159 kW) and 217 Nm of torque.
Tada also noted that the possibility of a manual transmission remains, and the Targa version is more likely than a convertible. Interior trim can also be updated, because now Supra borrows a lot from BMW, but in the future, the Japanese company may deviate from this concept.
CategoryNews Rumors
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Christmas Eve arrived and it was a lovely cool day. As we weren't expecting any visitors for Christmas the plan was to just make a potato salad and the traditional pavlova (as requested) later on in the day as the rest of the salads could be made up quickly before lunch the following day. So armed with my little point and shoot camera I took a walk through the very dry garden hoping to find a little bit of colour scattered here and there.
I was happy to find this burgundy coloured daisy flowering happily and liking its new home as I brought a cutting of this back from Mt.Isa as it looks quite stunning in my girl's garden. I would love a name for it though but Mr.Google couldn't help out with that.
He also couldn't help with the name of this very pretty plant but if Guida is reading this she will remind me once again. I have searched online but still can't find any photos of it there. It is very pretty but unfortunately these pretty shapes are growing underneath the leaves so they are hard to see.
This little fellow is very tiny but came out well when I took a photo using the Macro setting.
There are only a couple of Fuschia flowers at the moment. I think I need to pay more attention to my potted plants and give them some TLC.
At least the Hydrangeas don't need much TLC and are always a delight at this time of the year.
Other hardy plants that seem to thrive on neglect are the Day Lilies that spring up every year and add a little colour to the summer garden.
The recent week of heatwave conditions didn't do the garden any favours and it looks like we will see the New Year in with another heatwave at the weekend. I might have to move to Tasmania at this rate.
I think this orchid might be called an Oncidium. I am not all that keen on the colours but it is growing well on the macadamia tree which the CEO has decided to put a huge compost heap underneath. We have a few such heaps around the place.
Speaking of compost heaps, it is amazing what grows there like this Tamarillo tree which is probably the orange version which the CEO doesn't like and is trying to get rid of. I dare say it will disappear one of these days. When I was eating sugar I used to make a nice Indian Spiced Tamarillo Chutney so they came in handy. They aren't cheap to buy and I think they are over $1 each but I believe the red ones have a nicer flavour.
I took a photo of this cucumber to remind myself that I actually do have some veggies growing and am not a completely dreadful gardener. It seems that every seedling I have had growing this year has been eaten by something so actually having a couple of cucumbers get to this stage is quite an accomplishment this year.
Mind you, if Hildegarde and her cronies didn't keep scratching around in the garden more plants might survive but I am still waiting for the new chicken pen to be built which it doesn't look like will be happening soon. It's unbelieveable how much damage chooks can do.
Anyway, after I had a casual walk around the garden taking photos I thought I had better brave the shops as they would be quieter after lunch and I needed to pick up some fresh milk etc. as I don't buy the long life stuff. So there I was doing everything according to plan and was nearly finished with the shopping when my hip went 'out' and I had to limp around the supermarket hanging on to the trolley as I tried to make my way to the checkout.
However, I got home and limped up the stairs and headed for the bed. There I lay thinking of the two loaves of sourdough that were ready for the second rise, the potato salad that had to be cooked not to mention the pavlova which takes twenty minutes of beating with the hand held beater. A slight hiccup in the scheme of things but eventually it got done. Just one of the joys of getting older :-) I am not sure where my hip went to when it went 'out' but I sure wish it would come home again.
I hope everyone had a joyful Christmas Day.
I love your garden photos so much. It is like having those flowers and critters right here. I am sure that my actual growing a garden myself are over and then I come here and just immerse myself in the lushness and beauty with which you surround yourself.
Oh no! I hope you are feeling better. On a lighter note....beautiful pictures friend.
Thanks Chrissy. Good to see you on deck once again.
Meg it is coming good thankfully. Glad you had success with your pav. I always make the Easy Two Egg Pavlova feom an old Womens Weekly cookbook and it always turns out well and seems to be foolproof. Everything is beaten together so nothing has to be added gradually.
Oh bugger. Well you did at least have a nice walk and photography session around your yard. Love your insect one. I am trying to take photos of insects around here to discover who is "naughty or nice" so I can evict the naughty ones! New properties have enough of their own soil and climate challenges without predatory bugs. The hens help me with disposal of snails and slugs :).
Robyn, I am not sure what that little bug is. It was very tiny but a lovely colour.
I hope you are feeling better now Chel. Hydrangeas are one of my favourite plants as are fuchsias; they are so pretty.
Sherri I would like some pink hydrangeas as well but we have an acid soil here. I could grow some in a pot I guess.
Hope your hip is feeling better by now, at least if you have to rest up and take it easy the cool weather is better for sitting about crafting, reading or watching movies.
Your hydrangeas look lovely and the fuschias reminded me I used to have them in hanging baskets out on the deck ,they were so pretty, I must get some more.
Thank you so much Guida. I was hoping you would read the post and tell me the name. I will write it down so I remember. My hip is still painful but hopefully it will come good soon. It usually rights itself in a couple of days thankfully.
That's a lovely daisy - it looks like an African Daisy (osteospermum) perhaps? Once you have a decent sized bush, may I have a cutting please? At present I only have the white ones with the black centres that I have grown from seed but a lovely dark one like that would be a knockout. So nice to have things pop up without too much attention, alway a lovely surprise. Hope you hip improves quickly would be very difficult with the stairs I imagine. I've given up on my garden for the time being, not here enough and the heat just knocks everything.
Oh no, such bad timing :-( Hope it 'comes back' real quick. Again, your flower pics look glorious....and I agree about the destructiveness of hens - oh my goodness yes.
Yes bad timing indeed, Mr HM. Just as well we had a quiet Christmas Day planned.
You poor thing Chel; not a convenient time for your hip to 'go out'! Hope it's 'behaving' somewhat better by now. Your garden has some delightful flowers out and congratulations of getting some cucumbers on your plant, despite those pesky creatures eating your plants. The heat is certainly playing havoc with our gardens isn't it?
It's still not 100% Maria but I found some Panadol Osteo today and took a couple so I could go and pick up some milk from the shopping centre. Hopefully it will right itself soon.
Your garden looks beautiful! My hip used to do something similar until I found a good chiropractor :) hope you got some rain for Christmas!
I probably should look into going to a chiro one of these days, Liz and I will if it happens more frequently. So far it only goes out a couple of times a year. No we only had a short shower on Christmas Day unlike elsewhere apparently.
Glad your hip seems to be getting better, that sounds awful! Love the garden tour. We have 12 inches of snow on the ground right now so the splash of color is appreciated!
12 inches of snow sounds real nice to me at the moment, Kathy. We are heading into another heatwave.
I'm glad you managed to get all the special dishes made in the end. I know how you feel! I have the worse shoulder and neck pain and I just can't seem to sort it out. It's horrible. I really do hope this is only a short term issues. Best Wishes and Merry Christmas.
Zena, I hope you get better soon. When my neck aches I rub on some Karma Rub which is liquid magnesium. It was recommended to me by a shop assistant at the chemist for restless legs and various aches and pains and it works.
Oh no, how is your hip now? Two Christmases ago I had a similar situation with my back, it was so frustrating to not be able to accomplish all the plans I had! Hope it heals up soon!
Kelly, it is back to normal once again. Thankfully it only happens a couple of time a year.


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Product Trend
Does 'Business Comfortable' Have Staying Power?
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The world of working remotely has given rise to a "business comfortable" dress code. While it is generally advised to keep some semblance of routine and to dress in something marginally work-appropriate, there is little reason to sacrifice comfort for style when, at most, you will be seen from the waist up in a virtual meeting. After all, why would anyone want to be uncomfortable in their own home?
Even Anna Wintour posted a picture of herself at her computer, dressed in track pants and a sweater.
In a poll done in March, during the early days of sheltering in place, the NPD Group found that of those who stayed home, 48% reported wearing activewear or sweats all day, 46% reported wearing pajamas or loungewear all day, and 31% said they wore a bra less than usual.
Retailers are taking note. Targeted ads on social media and in email inboxes extol tops for #WFH and lounge-worthy pants. Email subject lines urge consumers to "introduce denim to their couch," put on a bra and shop for a future day when they have reason to leave the house.
Even stalwarts like Brooks Brothers are reportedly exploring putting the company up for sale, as less people want to buy suits during the pandemic.
Of course, as the economic impact of the shutdown became a reality, consumers were spending less on discretionary items in general. In the early days of Covid-19 shutdown, all retail was down. According to the Census Bureau Data for March, retail sales fell 8.7%, and apparel was hit especially hard — clothing and clothing accessory retail sales were down 51% percent from the previous month.
But then again, business attire as a category has been in decline for some time.
"It's important to understand that these behaviors were emerging before we were quarantined," said Kristen Classi-Zummo, a fashion industry analyst at the NPD Group. "Over the last few years, comfort has exploded, and tailored clothing, suits and dresses have all been declining."
Classi-Zummo pointed out that, even before coronavirus, people were "blending their wardrobes," wearing the same things to the office, on weekends and to work out. A 2019 survey by the staffing agency Randstad U.S. found that 33% of respondents would quit their job or turn down a job offer if it meant following a formal dress code.
"In the past, people dressed recognizably according to their class and profession. Certain types of aprons, hats or dress connoted a distinct position," said Alison Matthews David, a fashion historian and professor at Ryerson University. "People wore clothing like a badge of office. But as work has changed, that has evolved. The shift toward casualization has been going on for a while."
That trend has only accelerated in the past two months as people have adjusted to a world where we all work from home.
So the main question is whether "business comfortable" will stay, even when people return to offices and the economy gets going again. After people get used to months spent in loose-waist pants and T-shirts, with maybe a button-down shirt or blazer thrown on for a Zoom meeting, will anyone want to go back to shift dresses and suits?
"Nobody will be going to Wall Street or to court in their pajamas. Some jobs may still require a more formal sort of uniform," said Matthews David. "But in fields where that is less important, most people are going to want to bring comfort into the workplace."
"Even as we go back to work and crave fashion, comfort will still be a driving force," Classi-Zummo predicted. "Properties like stretch and flex will be very important."
Credit: Glossy – Click here to view the article
More related articles: The most crucial tools for WFH: Kindness, and a piece of tape, Loungewear 2.0: The Adidas track pants I've been living in, Sweatsuits and Yoga pants are selling like crazy; what happens when lockdown end?
MADE Trends is a fashion trend forecasting agency based in NYC. Merchandising and Design Experts (MADE) specializes in trend forecasting and market positioning foresight for the fashion and retail market. Delivering researched and highly relevant insight on market conditions, emergent opportunities and key products. MADE bespoke reports help clients to identify and capitalize on current and future 25 market trends. For your industry-specific forecast, please contact us.


If one sees the some memorable moment of life then among these weeding is most important one. Among these events a major one is that How to make an engagement party memorable. Everyone tries to make this day beautiful for himself in every aspect. If one sees the different events of a weeding then basically it will divide in main four parts. The first one is engagement then mehndi and Barat and finally Walima will arrive. So the basic when from where wedding process is start is Engagement so everyone wants to start this journey with a lot of happiness and try to make it a unique memory. There are various ways to make this memorable. Here we try to give these various aspects through which you make this day beautiful.
First important point that is really important is selection of place where you can arrange whole events. Place of ceremony play an important role in the beauty of an event. While second important thing is that in which way you can decorate the place where whole functions are arrange. So you must select a designer that decorate the whole place in unique and different way that build attraction in whole event. Second important thing is that what type of dresses one select for bride and groom. Selections of unique dresses that are prepared by designers for especially engagement ceremony also make it memorable. This thing also differentiates you from others and makes this event more beautiful.
Now the last but not the least most important part of Engagement ceremony is the ring that bride and groom wear to each other. It's your selection that how much beautiful ring you can select for each other. There are various type of rings that are available in market while you can also buy a ring by preparing it on order system. It's all thing depend on your budget that how many rupees you spend for it. You can also purchase a ring in really reasonable price that full fill the whole requirement. It will accept that these tips are enough to make engagement ceremony memorable for any person.


This year will see Live In The Park take place at Supertubes during the Corona Open JBay contest, featuring top-rated South African bands performing live and for free! Last year's music jol – six evenings of live tunes – was so popular that this year they have decided to go bigger, head across to the Supertubes park, and stage even more live music with a collection of our top South African artists.
There will be an array of music styles on offer, and as per last year, every single band or musician's gig will be absolutely free for fans and spectators.
So pull in to the Live In The Park jol with your mates after watching the best surfers in the world perform at Supertubes and sip on a Corona while enjoying great sunset vibes and good times.
More information will be released closer to the time, so watch this space for details.


??I'm still waiting for you to make the case how a hate crime is worse than a non-hate crime for the same "transgression."??
Louisiana and Kentucky have both passed laws that add police and emergency responders to the hate crime laws.


If you inquire me, there is actually just one means to lose weight and keep slim. A well-balanced way of living! That suggests a lot of physical exercise, healthy and balanced eating and plenty of leisure. Of course people always exist, which bombard you with wonder supplements, along with which you may quickly and quickly lose weight. Capsules along with acai berry, fresh herbal tea extraction as well as capsaicin have actually all been in the limelight. There is actually now a brand new magic slimming agent with the unique title: Garcinia cambogia extract!
Of course I was actually extremely interested concerning this weight management product as well as I started researching. After reading this short article you can make a decision for yourself whether Garcinia Cambogia costs that or otherwise! Garcinia cambogia extract is really Classical for guttree plant. That is approximated that there are in between 50 and 300 variants this tree. Originally, the Garcinia cambogia extract originates from the sweltering woods of Africa, yet these are currently mostly grown in South East Asia. The tree itself develops quite slowly as well as blooms 2 or 3 opportunities a year. Coming from the blossoms the fruits come up that are everything about.
The fruits resemble small pumpkins. They could be red, yellowish or dark-green in colour. The skin layer of the fruit may be up to 1.5 centimeters strong. Under the shell you will certainly find around 8 seed furs that are really succulent. The flavor is somewhat acidic as well as may be compared to lychee. In Asian food, this flavor is pertained to as tamarind and made use go here of in soup or chutney. Garcinia Cambogia obtained its first name in the 90s. An amount of research studies had actually ended that the energetic drug HCA triggers weight loss in animals.
Sadly, the popularity of Garcinia Cambogia quickly declined, after a major research was actually published in the Diary of the American Medical Association in 1998, which said that the fat loss item possessed no impact on folks (source ). In the complying with years several research studies appeared on Garcinia cambogia extract, with other final thoughts. The attraction therefore lessened significantly, till a couple of years ago DOCTOR Ounces got included and his appreciation shared for this remedy!
Dr. Ounces is the speaker of some of the most extensive and also ideal checked out wellness demonstrated in United States and is co-produced by Oprah Winfrey. Each are actually understood for their earnest and premium programs. He is going to not just throw out his image, because he is also a professor at Columbia Educational institution in The Big Apple. This university is positioned as number 4 around the world. It was actually for that reason not peculiar that after the show regarding Garcinia Cambogia, the sale took off! Likewise Europe received air coming from it consequently the hype occurred around Garcinia Cambogia.
The element that is all about the fruit product is HCA, or even Hydroxy Citric Acid. You may find this substance in the covering! Thus if you only eat the flesh, you acquire all sort of vitamins and minerals, yet rarely the active component HCA. Particular chemicals in the liver source carbohydrates to become converted into fat. This fat is stashed in the fatty tissue cells. If this occurs frequently, the fat tissues are going to develop and become over weight.
HCA blocks out the enzymes that turn carbs in to excess fats. Carbs click now are at that point turned straight in to energy and so fatty tissue storage is actually shut out. Garcinia cambogia extract could thereby be viewed as a genuine fat deposits blocker! All these good results may make certain that you can achieve 2 to 3 opportunities faster outcomes, however only if you likewise consume well-balanced and also work out sufficiently, claims DOCTOR Chen.
With end results attained it implied certainly not lose so much body weight, yet a lower fat deposits versus muscular tissue mass. This is a necessary truth, due to the fact that individuals often maintain their results on an incrustation, while the fat deposits amount is in fact a lot more home important. Given that muscles are actually much larger in comparison to body fat, that is possible that when you make use of Garcinia Cambogia you hardly slim down, but you carry out have a fitter body system as well as you may likewise find this in the mirror and can easily discover your waist.
Altogether pretty remarkable. Could this certainly not be the ideal slendering agent, which most of us have been actually expecting for so long, or even do our experts overlook something? Although Garcinia Cambogia Extract is actually so all-natural, it carries out certainly not indicate that when that is actually utilized improperly, that carries out certainly not possess any kind of repercussions. In the event from inappropriate use of Garcinia Cambogia, all sort of uncomfortable negative effects can take place. The numerous damaging knowledge that can be discovered on the net show proof of this particular.
That is feasible that the fatty tissue blockers are certainly not assimilated effectively consequently find yourself straight in the bowels. Undigested food items is going to give fuel and create bloating. Given that body fat is actually shut out, a big part of body fat can easily continue to be in the belly. A lot of body fat in the belly can lead to nausea or vomiting and also at some point vomiting. Just why not look here when the fats have disappeared off the tummy will the queasiness go away.
Given that additional excess fat is discharged, there is actually even more chance from excess fats that continue to float uncontrollably with your body system. This can easily result in irrepressible diarrhea, which certainly may be quite embarrassing sometimes. The vitamins A, D, E and K are fat-soluble vitamins. Considering That Garcinia cambogia extract are fat blockers, these vitamins will certainly likewise be actually less able to perform their project. This can reduce your protection, deal with evening loss of sight or osteoporosis.
There are supplements that contain an incredibly reduced percentage of HCA. There is even a case with 0% HCA. This is highly recommended to make use of a supplement which contains a minimum of 60 percent HCA and also performs certainly not comprise totally from calcium sodiums. Additionally check out whether blood potassium (K) as well as/ or even magnesium (Milligrams) exists. If the item has a low lactone material, it is actually additionally beneficial. The necessary dosage is 1.5 grams from sheer Garcinia cambogia extract per day, topped 3 opportunities. If your supplement contains 60% HCA, after that you will need to consume 3 opportunities 0.8 or even 0.9 grams at once.
This indicates that the supplement is greatest gotten 30 to 60 minutes before each meal. For instance, HCA has the amount of time to carry out its work prior to all kinds of various other nutrients get there. Despite the fact that HCA is actually so organic, that can easily obstruct the results of medication. In the event from question, regularly contact the family doctor or even a phytotherapist initially. Although the proof for the function of HCA is certainly not bountiful, that carries out not suggest that it might not help you. Garcinia cambogia extract may be a fantastic technique in order to get a more healthy body fat percent, yet then that ought to be utilized in a proper technique.
Performed you understand that investigation possesses shown that 2 away from 3 folks after a diet, promptly back to aged body weight? It is actually as a result crucial to make healthy changes article in your lifestyle, which you could maintain throughout your life, without the yo-yo impact still possessing an odds.


Crown lengthening is generally performed in order to improve the health of the gum tissue, or to prepare the mouth for restorative or cosmetic procedures. In addition, crown lengthening procedures can also be used to correct a ¡§gummy¡¨ smile, where teeth are covered with excess gum tissue. Crown lengthening exposes more of the natural tooth by reshaping or recontouring bone and gum tissue. This treatment can be performed on a single tooth, many teeth or the entire gum line, to expose a pleasant, aesthetically pleasing smile.
Restoration of damaged teeth ¡V Periodontal disease can cause severe damage to the teeth, as can trauma and decay. Where teeth have been broken beneath the gum line, crown lengthening can be used to prepare the area for a new restoration to correct the damaged teeth.
Cosmetic uses ¡V Extra gum tissue can make teeth look unnaturally short, and also increase susceptibility to periodontal infections. Removing excess gum tissue can restore a balanced, healthy look and thus improve the aesthetic appearance of the smile.
Dental crowns ¡V Crown lengthening serves to provide more space between the supporting jawbone and dental crown. This prevents the new crown from damaging gum tissues and bone once it is in place.


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The controversial issue of wind turbines will be debated at a conference in Norfolk on June 12.
The event, at the Assembly Rooms in Swaffham, is organised jointly by the Norfolk Branch of Campaign to Protect Rural England (CPRE) and the Norfolk County Association of Parish and Town Councils (NCAPTC).
The development of wind farms across the region will be a major point of discussion this year and views on the turbines can be divided.
Some see them as beacons of the future renewable energy while others view them as eyesores, damaging the rural landscape of Norfolk.
Speakers include Dr John Constable, director of policy and research at the Renewable Energy Foundation (REF) and Jan Mathieson, head of onshore at the British Wind Energy Association (BWEA).
Other issues that will come under scrutiny at the event include street lighting and light pollution.
The Norfolk Planning Conference will also include talks on the Parish Design Statements - valuable documents which advise how local parishes can promote and preserve the character of local areas, while encouraging the use of natural resources.
Tickets are £25, or £20 if booked before Sunday. Call Sue Lake on 01603 664869 or via enquiries@ncaptc.gov.uk for information.


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Story From Travel Wisconsin: Golf lovers: Head to Sheboygan and Kohler to play like the pros
The 2020 Ryder Cup will be held at Whistling Straits.
Golf lovers: Head to Sheboygan and Kohler to play like the pros The 2020 Ryder Cup will be held at Whistling Straits. Check out this story on jsonline.com: https://www.jsonline.com/story/sponsor-story/travel-wisconsin/2019/07/14/golf-lovers-head-sheboygan-and-kohler-play-like-pros/1681848001/
Golf lovers: Head to Sheboygan and Kohler to play like the pros
By Travel Wisconsin Published 6:03 a.m. CT July 14, 2019
Kohler Golfer swinging iron at Whistling Straits Golf Course (Photo: Courtesy of Travel Wisconsin)
Before the golf world makes its way to Whistling Straits in Sheboygan for the 2020 Ryder Cup, Sept. 22-27, go ahead and golf where the pros will.
The Ryder Cup, staged every two years, has 24 of the best players from Europe and the U.S. go head-to-head in match play competition, with an audience of millions around the world tuning in for all the tension-filled drama and great golf.
Mike O'Reilly, PGA director of golf and operations manager for both Whistling Straits in Sheboygan and Blackwolf Run in Kohler, is in charge of more than 200 caddies, and the Ryder Cup is the fifth major championship he'll oversee for Kohler.
When asked if he's experiencing any sleepless nights yet, he chuckled, "No, no, we've been preparing for this for a few years now." He noted they are paying special attention to how spectators will move around the course, considering there are just 24 players in the Ryder Cup compared to the typical 156 player roster for other championships.
O'Reilly said people are still surprised to learn the Kohler courses are public, not private courses. "Guests often ask if it is O.K. for them to be here," said O'Reilly. "This is an opportunity to play the same course as Tiger Woods and Jordan Spieth." He added this is the first time in a generation that the Ryder Cup is being hosted on a public course.
Sinking a putt at Whistling Straits Golf Course. (Photo: Courtesy of Travel Wisconsin)
The course will certainly photograph well for TV audiences, with holes that hug the Lake Michigan shoreline. "It's a championship-caliber course and the fact that it's stunningly beautiful doesn't hurt," said O'Reilly.
If you'd like to start with a lesson, O'Reilly and a team of 12 other PGA golf professionals provide instruction through the Kohler Golf Academy. There's also the Kohler Swing Studio & Golf Shop with two golf simulators.
For pre-golf stretching or post-golf recovery, take a class at Yoga on the Lake. Kohler Waters Spa is another spot to ease overworked muscles, with the Woodsman Massage combining therapeutic massage with stretches to relieve pain and increase flexibility while incorporating the healing properties of pine. There's also the new Thai massage that combines massage techniques with yoga-like stretching.
Sunrise outside the clubhouse at Whistling Straits (Photo: Courtesy of Travel Wisconsin)
A day on the course isn't complete without the proverbial 19th hole dining experience. Whistling Straits Restaurant, also open to the public, will be serving the Ryder Cup players and officials. Dan Dries is the head chef there. "I enjoy the challenge, and we have a philosophy here that everyone is a VIP, whether that's a pro golfer or a couple visiting for their anniversary," said Dries.
Favorite menu items include a potato leek soup that's been served since the restaurant opened in 1988. Dries also recommends the fish and chips, with a nod to the British Isles influence of the course, and the house-made corned beef brisket. He suggested golfers reward themselves with the sticky toffee pudding dessert topped with rum ice cream.
For beverages, Dries admits he's partial to beer, given he's from Wisconsin. Along with microbrews from around the state, including the local 3 Sheeps Brewing Company, they also serve a Jigger Ale made by a Scottish brewery exclusively for the Kohler courses in Scotland and Wisconsin.
Best seats in the house, according to Dries? "If you're coming off the course at the end of the day, ask for a booth with views to Lake Michigan to see the moon come up over the lake." Weather permitting, there's also the outdoor terrace overlooking the 18th finishing hole and the lake. On the second level of the restaurant is the Irish Pub where there's live music on Thursday nights.
The Blackwolf Run course and restaurant are both open to the public as well.
More dining finds: While in the Sheboygan and Kohler area, try Blind Horse Restaurant & Winery, a Napa Valley-style restaurant. If you love Italian, there's Trattoria Stefano, a regional Italian trattoria, and Il Ritrovo, a certified Neapolitan pizzeria.
Read or Share this story: https://www.jsonline.com/story/sponsor-story/travel-wisconsin/2019/07/14/golf-lovers-head-sheboygan-and-kohler-play-like-pros/1681848001/
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A taste of ag tourism, from the ground up


The best strategy may be to explain your thinking and be completely honest about what a chatbot is and what it isn't.
When it comes to support, consumers overwhelmingly prefer to talk to a person, studies find. Conversocial's own research confirms this: 59 percent of consumers say they value human interaction.
How then can the customer service industry reconcile consumers' stated preferences with chatbots' inexorable and continued rise? How exactly should a brand announce that it's launching a public-facing chatbot for consumers who claim not to want one?
There are now over 100,000 chatbots on Facebook Messenger and, when polled, consumers do offer praise — they appreciate that bots are available 24 hours with zero wait time.
Consumers also needn't give up human interactions to use chatbots, which work best when they augment agents, not replace them. They're great at routine tasks such as welcoming customers, diagnosing their issues, answering common questions, and escalating the conversation to a human if the request is too complex. Most requests are not complex, however: Forrester found chatbots are well-suited to handle as much as 80 percent of inbound queries. And as we've written before, if chatbots help humans provide faster support, consumers quickly learn to love chatbots.
When brands don't educate customers about a chatbot's limitations, consumers treat the bot as either exceptionally smart or exceptionally dumb. They either expect too much and grow frustrated, or they think the bot can't possibly help them and mash buttons to reach an agent.
The most successful bots are clearly marked so there's no mistaking them. Take the Dutch airline KLM's chatbot Blue Bot, for instance, which answers millions of customer queries every year. It has "Bot" in its name and introduces itself in chat with a robot emoji. No one could mistake it for a human, and the company has entrusted it with routine tasks such as sending booking confirmations to flight status updates so KLM passengers can get easily grow accustomed to it.
KLM has also launched Blue Bot on Facebook Messenger, Google Assistant, and Google Home. Just like human agents, KLM's consumers can find Blue Bot in multiple places and learn to treat it like they would any other customer resource.
Chatbots thrive on context and, often, the difficulty of programming them to have authentic-seeming conversations is that they don't have enough of it. For example, if an airline chatbot doesn't know that the customer behind an inbound Twitter DM has a reason to be upset, it may ask insensitive questions and amplify their frustration. But if it knows that that user's handle belongs to a customer whose flight is delayed, it's likely to send more relevant messages. Whatever your industry, make sure your chatbot is connected to your CRM and has the foresight of unified customer information.
Chatbots may have made it through the boom-and-bust hype cycle, but they're still not a fully established technology. They require plenty of testing and companies should view their chatbots as experiments, where the development team is constantly learning, taking feedback from both customers and support agents, and improving the service until it delivers consistently satisfying interactions.
Consumers may prefer to talk to a person, but what they really crave are swift and efficient resolutions. When brands are upfront about their reasons for launching a chatbot and transparent about what it can and cannot do, consumers think of it as no different than a mobile app – fast, great for routine support, and only a swipe away.


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Pouteria adolfi-friedericii is a species of plant in the family Sapotaceae, a tall, tropical forest tree. It is found in Burundi,  the Democratic Republic of the Congo, Ethiopia, Kenya, Malawi, Rwanda, Sudan, Tanzania, Uganda, Zambia and Zimbabwe. The specific name adolfi-friedericii was given in honour of Duke Adolf Friedrich of Mecklenburg, a German explorer in Africa. Its trade name muna is taken from Gĩkũyũ mũna.

Description
Pouteria adolfi-friedericii is a large forest tree growing to a height of up to . It has a straight cylindrical trunk, without branches on its lower half, that can be up to  in diameter. The trunk is often fluted and may have large buttresses at its base.

Ecology
Pouteria adolfi-friedericii is a typical climax species of mature forest; it has a small crown which is higher than the surrounding canopy. It has large seeds which are viable for only a short time. They germinate freely, and the saplings are slow-growing but thrive in dense shade. It is plentiful in the understory layer but may be more scarce in the upper layers, particularly where the best trees in the forest have been selectively felled. In Kenya, it grows in lowland and montane dry evergreen forest habitats in the company of Suregada procera and Afrocarpus gracilior . It is a mycorrhizal species, the roots forming a symbiotic association with a fungus.

Uses
The heartwood is greyish-brown, and not clearly distinguishable from the sapwood. The timber is not very durable and is susceptible to attack by termites, fungi and boring insects. It is used to make furniture, and is also used for light construction work, flooring, joinery, cabinet work, boats, boxes, crates, veneers and plywood. It makes good firewood and is used to make charcoal.

The tree is used to provide shade in plantations, and can be pollarded and coppiced. The greenish flesh of the fruits can be eaten raw, and an edible oil can be extracted from the seeds. In traditional medicine, the tree's bark has been used to treat stomach problems and the fruit, to expel tape worms, but when used for this purpose it is rather slow-acting and moderately toxic.

References

adolfi-friedericii
Plants described in 1913
Trees of Africa
Fruits originating in Africa
Afromontane flora

redpajama_set_name: RedPajamaWikipedia


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Dichotomius latistriatus är en skalbaggsart som beskrevs av Luederwaldt 1935. Dichotomius latistriatus ingår i släktet Dichotomius och familjen bladhorningar. Inga underarter finns listade i Catalogue of Life.

Källor

Bladhorningar
latistriatus


Beautiful all brick home located in the gated community of Southwind in Bluewater Bay. This is a must see one owner home. Conveniently located near Destin and Eglin AFB. New Paver driveway in 2003 leads you to this home. Tons of natural light filling this spacious open floor plan with two living areas. Roof replaced in 2005 with Elk shingles. Hurricane shutters and hurricane cloth installed in 2005 by Folker windows. HVAC system replaced in 2010. Seller also had Ultra Violet light installed for allergies in the HVAC system. Wood floors throughout living room, dining room and bedrooms. Tile floor throughout laundry room, bathrooms, kitchen and family room. Rinnai installed in 2011. Whole house gas Generac gas generator installed in 2006 and whole house water shut off installed in 2009.All appliances are covered by Sears warranty until January 2019. Home has and alarm system and intercom system throughout. Located on the golf course, your views out the back go on forever. Don't forget when you are in the garage to view the heated and cooled workshop. Call today to view this incredible home.


We will be bringing down the PTR realms for maintenance today at 2:00 PM PST. There is currently no estimated time for this maintenance, and this thread will be updated when new information becomes available.
Oh hey look... realms are back up!
Please post any bugs found in this build in a new thread.


Scanning through the Wall Street Journal recently I came upon an article that answered many of the questions I had about the current economic meltdown. The article which was written by Brett Arends and titled, "Ten Ways to Protect Your Finances From the Crisis" gave step by step instructions on what the financial panic means to the consumer.
Is Your Money FDIC Insured? If you are accustomed to leaving large sums of money in the bank, you need to make sure that you have no more than $100,000 per account per person. If you have more than that amount, then insurance coverage will not be adequate. Spread your money around to different accounts and different banks.
Get A Home Equity Line of Credit Now. No one likes to encourage people to borrow money (except for lenders) but having access to a home equity line of credit can be useful. Tap it when you want and for what monies you need, but apply today as credit restrictions are tightening.
Get A New Mortgage! Although we haven't seen much evidence yet that mortgage rates will be heading down, if you are in a position to refinance your home, then taking advantage of the current climate could aid your wallet. Naturally, avoid any lender who has been in the news lately — for all of the wrong reasons!
Relax. One of my neighbors has been in a panic all week, which can lead to acting irrationally. Then again, if your money is exposed and you are worrying about losing your shirt, your concerns are justified. Just remember this: you can't do anything about the crisis, but you can relax and find something to do that will take your mind off of the news.
Think Long Term. This strategy is what Warren Buffet is taking, a man who knows how to invest. As the head guy behind Berkshire Hathaway, Buffet is currently snapping up certain stocks which have dropped tremendously. Bad news for one person is often an excellent opportunity for someone else.
Like I said, I can't share everything about the article, but you can click on the link at the beginning of this article and learn how to ride out this crisis. By the team that you read this the federal government's planned intervention should be just about ironed out, taking the sting out of a the financial meltdown.


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Everyone talks a lot about leadership. Well, we can learn a lot about that vital subject by hearing about all the ingredients that went into this remarkable leader's career, and not only her views on foreign policy.
Daniel Benjamin, the Norman E. McCulloch Jr. Director of the Dickey Center "
Former U.N. Ambassador Susan Rice to Speak on Campus
Posted on February 20, 2020 by Bill Platt
The former Obama administration official's Feb. 27 talk is hosted by the Dickey Center.
Former U.S. ambassador to the U.N. Susan Rice will appear with Dickey Center Director Daniel Benjamin at a public event on Feb. 27. (Photo courtesy of the Office of Ambassador Susan E. Rice)
Susan Rice, the former U.S. ambassador to the United Nations and national security adviser to President Barack Obama, will speak about her career in public service at a Feb. 27 event sponsored by the John Sloan Dickey Center for International Understanding.
Rice will also discuss her new memoir, Tough Love: My Story of the Things Worth Fighting For, in conversation with Daniel Benjamin, the Norman E. McCulloch Jr. Director of the Dickey Center, from 4:30 to 6 p.m. in Spaulding Auditorium at the Hopkins Center for the Arts. Rice will hold a book signing following the public discussion.
Benjamin, who has known Rice for many years, says the former ambassador is a compelling figure for her life story as well as her professional achievements.
"Yes, she is one of the foremost foreign policy thinkers and practitioners of our times—and I feel fortunate to have known and worked with her for more than 25 years, since we were both in the Clinton White House—but she also has had an extraordinary upbringing and set of experiences as an adult, and she has reflected deeply on those experiences in her memoir," Benjamin says. "Everyone talks a lot about leadership. Well, we can learn a lot about that vital subject by hearing about all the ingredients that went into this remarkable leader's career, and not only her views on foreign policy."
Before her appearance in Spaulding, Rice will meet with first-year students in the Dickey Center's Great Issues Scholars program; she is also scheduled to meet with Dickey Center postdoctoral fellows earlier in the day.
The Great Issues Scholars program, which is marking its 10th year at the Dickey Center, enables first-year students who have an interest in international affairs to meet and talk with renowned public officials, scholars, and journalists.
The evening event with Rice and Benjamin, part of the Mary and Peter R. Dallman 1951 Great Issues Lecture series, is free and open to the public, but tickets are required. For more information and to obtain tickets, visit the Hopkins Center event website.
William Platt can be reached at william.c.platt@dartmouth.edu.