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Yirendai Reports First Quarter 2019 Financial Results and Announces the Successful Closing of Business Realignment Transactions with CreditEase
Yirendai Ltd. (GLOBE NEWSWIRE)
BEIJING, July 10, 2019 (GLOBE NEWSWIRE) -- Yirendai Ltd. (NYSE: YRD) ("Yirendai" or the "Company"), a leading fintech company in China, today announced its unaudited financial results for the first quarter ended March 31, 2019 and the successful closing of the business realignment transactions with CreditEase Holdings (Cayman) Limited, or CreditEase.
The business realignment transactions with CreditEase were successfully closed on July 10, 2019 EST. The entry into definitive agreements relating to the business realignment was previously announced on March 25, 2019. Pursuant to an amendment to the share subscription agreement between Yirendai and CreditEase, the consideration for the business realignment transactions was adjusted to a combination of 61,981,412 ordinary shares of Yirendai and a total of RMB2,889.0 million cash. At the closing, Yirendai issued 61,981,412 ordinary shares and paid RMB230.0 million cash to CreditEase, with the remainder of the cash consideration to be paid by installments in an 18-month period after closing with each payment contingent upon the acquired business achieving certain pre-agreed performance targets. Mr. Ning Tang, the executive chairman of Yirendai and the founder, chairman and Chief Executive Officer of CreditEase, has assumed the Chief Executive Officer role of Yirendai upon the closing of the transactions.
"Today, we are very pleased to announce the successful closing of our business realignment between Yirendai and CreditEase, and I have assumed the CEO role of the combined businesses and working along with our new management team to lead the business forward," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yirendai. "The businesses Yirendai assumed from CreditEase dovetail nicely with our existing operation and provided a strong foundation as we start our new strategic business transformation. The combined credit business will become one of the largest creditech platforms in China that provide a full suite of online/offline multichannel lending products and services. In addition, leveraging our large base of affluent investors, we believe we are well-positioned to build our Yiren Wealth Management business – a one-stop asset allocation-based digital wealth management solution for affluent investors. Along with our new and experienced management team, we look forward to building a leading tech-enabled integrated financial services platform that provides both wealth management and consumer credit services. We believe we are well positioned to capture the significant synergies presented by this business realignment and deliver long-term operating performance and shareholder value as we grow our business. In addition, as part of our strategic expansion, I am also excited to announce that we have signed a preliminary Memorandum of Understanding for the acquisition of a leading supply chain financing platform, DaoKouDai Technology Ltd based in Beijing, which will bring a strong team of experts to help us better serve small and medium enterprises. As part of our business realignment and strategic transformation, we will be operating under a new brand of Yiren Digital. Lastly, I would like to provide my sincere appreciation for the efforts and achievement Yihan Fang has contributed to the Company, and we wish her success in all future endeavors."
Upon the consummation of the business realignment with CreditEase, the Company will be operating under a new brand of Yiren Digital and will have two main business––Yiren Credit and Yiren Wealth. In addition, the Company's interim financial statements and operating data for the quarter ended March 31, 2019 reflect the businesses Yirendai assumed from CreditEase. Prior period financials have also been recasted to reflect the acquisition under common control. The valuation of the contingent consideration is preliminary and is subject to change.
First Quarter 2019 Operational HighlightsWealth Management—Yiren Wealth
-- Cumulative number of investors served reached 2,159,490 as of March 31, 2019, representing an increase of 16% from 1,865,675 March 31, 2018. -- Number of active investors in the first quarter of 2019 was 768,514, representing a decrease of 17% from 931,346 in the first quarter of 2018. -- Total AUM for Yiren Wealth was RMB 47,257.2 million (US$7,041.5 million) as of March 31, 2019, representing a decrease of 4% from RMB 49,212.9 million as of March 31, 2018. Average AUM per investor reached RMB 141,406 (US$20,070) as of March 31, 2019, representing an increase of 12% from RMB 126,526 as of March 31, 2018. -- AUM of non-P2P products amounted to RMB 457.7 million (US$68.2 million) in the first quarter of 2019, representing an increase of 8% from RMB 423.2 million in the first quarter of 2018. Non-p2p products include money market funds, mutual funds and insurance.
Consumer Credit—Yiren Credit
-- Total loan originations in the first quarter of 2019 reached RMB 10.9 billion (US$1.6 billion), representing a decrease of 45% from RMB 19.8 billion in the first quarter of 2018. -- Cumulative number of borrowers served reached 4,404,812, representing an increase of 15% from 3,824,341 in the first quarter of 2018. -- Number of borrowers in the first quarter of 2019 was 149,715, representing a decrease of 48% from 287,166 in the first quarter of 2018. -- The percentage of loan volume generated by repeat borrowers was 38.8% in the first quarter of 2019. -- Total outstanding principal balance of loans reached RMB 63,213.8 million (US$9,419.2 million) as of March 31, 2019, representing a decrease of 16% from RMB 75,271.5 million March 31, 2018.
"Last quarter we accomplished a milestone to prepare Yirendai for the next growth phase and strategic transformation," said Mr. Dennis Cong, Chief Financial Officer of Yirendai. "With a more diverse and scalable mix of credit and wealth management service platforms as a result of our business realignment with CreditEase, and a more streamlined internal operation and organization, we are starting the rest of 2019 in a stronger position to serve the needs of our customers and drive our future growth. The first quarter of 2019 was a quarter of integration, adjustment, and investment for the company. To ensure better risk management of our platforms, we have taken a more conservative business growth strategy while made strong efforts to optimize our internal resources and operational efficiencies by integrating and consolidating various business functions that will help us to grow our business more effectively in the future. Building on that and with a more constructive regulatory environment of China's P2P lending industry, we are getting ready to start our new growth phase for our consumer credit business and strategic transformation of our online wealth management businesses going forward. To support our business growth, we have entered into two strategic transactions in the second quarter of 2019 including first, a JV with ZBO Fintech as well as an acquisition of a Hong-Kong based private company that holds Type 1(Dealing in Securities) and Type 2(Dealing in Futures Contract) Licenses under regulations of Hong Kong Securities and Futures Commission to provide better service to our customers."
Total amount of loans facilitated in the first quarter of 2019 was RMB 10,934.9 million (US$1,629.4 million), compared to RMB 19,771 million in the same period last year. As of March 31, 2019, the total outstanding principal amount of the performing loans was RMB 63.2 billion (US$9.4 billion), decreased by 8% from RMB 68.3 billion as of December 31, 2018.
Total net revenue in the first quarter of 2019 was RMB 1,980.4 million (US$295.1 million), compared to RMB 3,764.7 million in the same period last year. Revenue from Yiren Credit reached RMB 1,459.0 million (US$217.4 million), representing a decrease of 56% from RMB 3,341.7 million in the first quarter of 2018. Revenue from Yiren Wealth reached RMB 521.4 million (US$77.7 million), representing an increase of 23% from RMB 423.0 million in the first quarter of 2018.
Sales and marketing expenses in the first quarter of 2019 were RMB 1,127.9 million (US$168.1 million), compared to RMB 2,156.0 million in the same period last year. Sales and marketing expenses in the first quarter of 2019 accounted for 10.3% of the total amount of loans facilitated, as compared to 10.9% in the same period last year due to increased marketing efficiencies.
Origination and servicing costs in the first quarter of 2019 were RMB 172.1 million (US$25.6 million), compared to RMB 264.6 million in the same period last year. Origination and servicing costs in the first quarter of 2019 accounted for 1.6% of the total amount of loans facilitated, compared to 1.3% in the same period last year mainly due to increased collection efforts and a decline in loan origination volume.
General and administrative expenses in the first quarter of 2019 were RMB 257.7 million (US$38.4 million), compared to RMB 522.1 million in the same period last year. General and administrative expenses in the first quarter of 2019 accounted for 13.0% of the total net revenue, compared to 13.9% in the same period last year mainly due to a decline in loan originations.
Allowance for contract assets in the first quarter of 2019 were RMB 191.1 million (US$28.5 million), compared to RMB 235.0 million in the same period last year. The decrease was mainly attributable to changes in future collectability estimates as well as decreased loan origination volume.
Income tax expense in the first quarter of 2019 was RMB 76.5 million (US$11.4 million).
Net income in the first quarter of 2019 was RMB 369.1 million (US$55.0 million), compared to RMB 535.9 million in the same period last year.
Adjusted EBITDA (non-GAAP) in the first quarter of 2019 was RMB 397.3 million (US$59.2 million), compared to RMB 648.9 million in the same period last year. Adjusted EBITDA margin1 (non-GAAP) in the first quarter of 2019 was 20.1%, compared to 17.2% in the same period last year.
—————————————————— 1 Adjusted EBITDA margin is a non-GAAP financial measure calculated as adjusted EBITDA divided by total net revenue.
Basic income per ADS in the first quarter of 2019 was RMB 3.99 (US$0.59), compared to RMB 5.85 in the same period last year. During 2019 the target business of Ocean was transferred to Yirendai in an internal reorganization under common control. Contemporaneously with this transaction, 30,990,706 shares were issued by Yirendai to affiliate entities. For purposes of calculating earnings per share, weighted average shares prior to the reorganization have been retroactively adjusted to give effect to the reorganization for all historical periods presented in the successor financial statements.
Diluted income per ADS in the first quarter of 2019 was RMB 3.96 (US$0.59), compared to RMB 5.77 in the same period last year.
Net cash used in operating activities in the first quarter of 2019 was RMB 658.3 million (US$98.1 million), compared to net cash used in operating activities of RMB 817.0 million in the same period last year.
As of March 31, 2019, cash and cash equivalents was RMB 2,519.0 million (US$375.3 million), compared to RMB 2,605.9 million as of December 31, 2018. As of March 31, 2019, the balance of held-to-maturity investments was RMB 312.8 million (US$46.6 million), compared to RMB329.6 million as of December 31, 2018. As of March 31, 2019, the balance of available-for-sale investments was RMB 1,187.6 million (US$177.0 million), compared to RMB835.6 million as of December 31, 2018.
Delinquency rates. As of March 31, 2019, the delinquency rates for loans that are past due for 15-29 days, 30-59 days and 60-89 days were 0.9%, 1.9%, and 1.7%, compared to 1.0%, 1.8% and 1.7% as of December 31, 2018. The increase in delinquency rates was partially due to the slower growth in loan volumes and volatile credit performance of the loans.
Cumulative M3+ net charge-off rates. As of March 31, 2019, the cumulative M3+ net charge-off rate for loans originated in 2016 was 9.0%. As of March 31, 2019, the cumulative M3+ net charge-off rate for loans originated in 2017 was 12.7%. As of March 31, 2019, the cumulative M3+ net charge-off rate for loans originated in 2018 was 5.9%.
Recent DevelopmentsStrategic TransactionsIn July 2019, Yirendai signed a preliminary Memorandum of Understanding for the acquisition of a leading supply chain financing platform, DaoKouDai Technology Ltd which is based in Beijing.
In May 2019, Yirendai and ZBO Fintech established a joint venture to provide creditech solutions to ZBO Fintech as well as various financial institutions. ZBO Fintech is a B2B2C auto financing company incubated by PICC Financial Services Company Ltd. Yirendai and CreditEase Fintech Investment Fund are both shareholders of ZBO Fintech.
In July 2019, Yirendai signed a definitive agreement to acquire a private company incorporated in Hong Kong. The target company has a license to engage in Type 1 and Type 2 regulated activities under the rules and regulations of the Hong Kong Securities and Futures Commission.
Institutional Funding UpdateAs of July 10, 2019, the Company had secured funding in a total amount of RMB19 billion from four commercial banks in China.
Increase in Registered CapitalIn preparation for the upcoming P2P registration and to lay a solid foundation for the future growth, the Company is in the process of increasing its registered capital by RMB500 million effective July 2019.
Management ChangeMr. Ning Tang has assumed the position of the Chief Executive Officer of the Company, while he will continue to serve as the chairman of the board of directors and the Chief Executive Officer of CreditEase.
Ms. Yihan Fang has resigned from her position as Chief Executive Officer of the Company and Yiren Wealth, a business division of the Company, for personal reasons.
Dr. Yichuan Pei has resigned from his position as Chief Risk Officer of the Company for personal reasons.
Mr. Huan Chen, our Board of Director, will assume the position of Chief Risk Officer of the Company, while he will continue to serve as Chief Strategy Officer at CreditEase.
Ms. Wei Wang will assume the role of Chief Executive Officer of Yiren Credit.
Ms. Xiao Shang will assume the role of Chief Executive Officer of Yiren Wealth, while she will continue to serve as a senior vice president at CreditEase Wealth Management.
Non-GAAP Financial MeasuresIn evaluating the business, the Company considers and uses several non-GAAP financial measures, such as adjusted EBITDA and adjusted EBITDA margin as supplemental measures to review and assess operating performance. We believe these non-GAAP measures provide useful information about our core operating results, enhance the overall understanding of our past performance and prospects and allow for greater visibility with respect to key metrics used by our management in our financial and operational decision-making. The presentation of these non-GAAP financial measures is not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with accounting principles generally accepted in the United States of America ("U.S. GAAP"). The non-GAAP financial measures have limitations as analytical tools. Other companies, including peer companies in the industry, may calculate these non-GAAP measures differently, which may reduce their usefulness as a comparative measure. The Company compensates for these limitations by reconciling the non-GAAP financial measures to the nearest U.S. GAAP performance measure, all of which should be considered when evaluating our performance. See "Operating Highlights and Reconciliation of GAAP to Non-GAAP measures" at the end of this press release.
Currency ConversionThis announcement contains currency conversions of certain RMB amounts into US$ at specified rates solely for the convenience of the reader. Unless otherwise noted, all translations from RMB to US$ are made at a rate of RMB 6.7112 to US$1.00, the effective noon buying rate on March 29, 2019, as set forth in the H.10 statistical release of the Federal Reserve Board.
Conference CallYirendai's management will host an earnings conference call at 8:00 p.m. Eastern Time on July 10, 2019, (or 8:00 a.m. Beijing/Hong Kong Time on July 11, 2019).
Dial-in details for the earnings conference call are as follows:
International: +65 6713-5091 U.S. Toll-Free: +1 866-519-4004 Hong Kong Toll-Free: 800-906-601 China Toll-Free: 400-620-8038 Conference ID: 4659887
A replay of the conference call may be accessed by phone at the following numbers until July 18, 2019:
International: +61 2-8199-0299 U.S. Toll-Free: +1 646-254-3697 Replay Access Code: 5810
Additionally, a live and archived webcast of the conference call will be available at ir.Yirendai.com.
Safe Harbor StatementThis press release contains forward-looking statements. These statements constitute "forward-looking" statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident" and similar statements. Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond Yirendai's control. Forward-looking statements involve risks, uncertainties, and other factors that could cause actual results to differ materially from those contained in any such statements. Potential risks and uncertainties include, but are not limited to, uncertainties as to Yirendai's ability to attract and retain borrowers and investors on its marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, PRC regulations and policies relating to the peer-to-peer lending service industry in China, general economic conditions in China, and Yirendai's ability to meet the standards necessary to maintain listing of its ADSs on the NYSE or other stock exchange, including its ability to cure any non-compliance with the NYSE's continued listing criteria. Further information regarding these and other risks, uncertainties or factors is included in Yirendai's filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and Yirendai does not undertake any obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable law.
About YirendaiYirendai Ltd. (NYSE: YRD) is a leading fintech company in China connecting investors and individual borrowers. The Company provides an effective solution to address largely underserved investor and individual borrower demand in China through online and offline channels to efficiently match borrowers with investors and execute loan transactions. Yirendai deploys a proprietary risk management system, which enables the Company to effectively assess the creditworthiness of borrowers, appropriately price the risks associated with borrowers, and offer quality loan investment opportunities to investors. Yirendai's marketplace provides borrowers with quick and convenient access to consumer credit at competitive prices and investors with easy and quick access to an alternative asset class with attractive returns. For more information, please visit ir.Yirendai.com.
For investor and media inquiries, please contact: YirendaiInvestor RelationsEmail: ir@Yirendai.com
Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages) For the Three Months Ended For the Year Ended ------------------------------------------- ------------- March 31, March 31, March 31, December 31, 2018 2019 2019 2018 ------------- ------------- ------------- ------------- RMB RMB USD RMB Net revenue: Loan facilitation services 2,997,463 1,055,046 157,207 7,309,403 Post-origination services 281,118 296,279 44,147 1,601,424 Account management services 361,742 488,340 72,765 1,806,732 Others 124,348 140,743 20,971 526,560 ----------- - ----------- - ----------- - ----------- - Total net revenue 3,764,671 1,980,408 295,090 11,244,119 ----------- - ----------- - ----------- - ----------- - Operating costs and expenses: Sales and marketing 2,155,962 1,127,945 168,069 6,658,270 Origination and servicing 264,613 172,123 25,647 1,061,289 General and administrative 522,091 257,705 38,399 1,755,655 Allowance for contract assets 235,014 191,105 28,476 992,592 Total operating costs and expenses 3,177,680 1,748,878 260,591 10,467,806 Gain on disposal of loan receivable and other - 84,511 12,592 655,884 beneficial rights Interest income, net 28,269 95,569 14,240 81,899 Fair value adjustments related to Consolidated 7,071 34,998 5,215 243,122 ABFE Non-operating (expenses)/ income, net (576 ) 4,614 688 26,323 Income before provision for income taxes 621,755 451,222 67,234 1,783,541 Share of results of equity investees (2,324 ) (5,603 ) (835 ) (9,295 ) Income tax expense 83,578 76,534 11,404 194,287 ----------- - ----------- - ----------- - ----------- - Net income 535,853 369,085 54,995 1,579,959 ----------- - ----------- - ----------- - ----------- - Weighted average number of ordinary shares 183,349,505 185,126,457 185,126,457 184,225,643 outstanding, basic ----------- - ----------- - ----------- - ----------- - Basic income per share 2.9226 1.9937 0.2971 8.5762 ----------- - ----------- - ----------- - ----------- - Basic income per ADS 5.8452 3.9874 0.5942 17.1524 ----------- - ----------- - ----------- - ----------- - Weighted average number of ordinary shares 185,754,475 186,578,885 186,578,885 186,270,515 outstanding, diluted ----------- - ----------- - ----------- - ----------- - Diluted income per share 2.8847 1.9782 0.2948 8.4821 ----------- - ----------- - ----------- - ----------- - Diluted income per ADS 5.7694 3.9564 0.5896 16.9642 ----------- - ----------- - ----------- - ----------- - Unaudited Condensed Consolidated Cash Flow Data Net cash used in operating activities (817,030 ) (658,306 ) (98,090 ) (3,959,107 ) Net cash (used in)/ provided by investing (262,560 ) (225,931 ) (33,665 ) 3,302,148 activities Net cash provided by/ (used in) financing 236,574 469,889 70,016 (793,472 ) activities Effect of foreign exchange rate changes (10,976 ) (2,196 ) (327 ) 3,631 Net decrease in cash, cash equivalents and (853,992 ) (416,544 ) (62,066 ) (1,446,800 ) restricted cash Cash, cash equivalents and restricted cash, 4,480,272 3,033,472 452,001 4,480,272 beginning of period Cash, cash equivalents and restricted cash, end 3,626,280 2,616,928 389,935 3,033,472 of period ----------- - ----------- - ----------- - ----------- -
Unaudited Condensed Consolidated Balance Sheets (in thousands) As of --------------------------------------- December 31, March 31, March 31, 2018 2019 2019 ------------ ------------ ----------- RMB RMB USD Cash and cash equivalents 2,605,926 2,519,040 375,349 Restricted cash 427,546 97,888 14,586 Accounts receivable 40,310 70,281 10,472 Contract assets, net 3,909,263 3,431,014 511,237 Contract cost 145,460 143,323 21,356 Prepaid expenses and other assets 2,552,319 1,192,574 177,699 Loans at fair value 1,375,221 851,406 126,863 Amounts due from related parties 1,357,305 270,626 40,325 Held-to-maturity investments 329,597 312,768 46,604 Available-for-sale investments 835,565 1,187,588 176,956 Long term investments 194,121 143,864 21,436 Property, equipment and software, net 266,002 239,822 35,735 Deferred tax assets 184,136 156,322 23,293 Right-of-use assets 389,299 58,007 Total assets 14,222,771 11,005,815 1,639,918 ---------- - ---------- - --------- - Accounts payable 307,046 53,667 7,997 Amounts due to related parties 8,246,300 258,038 38,449 Liabilities from quality assurance program and guarantee 9,950 8,384 1,249 Deferred revenue 569,469 459,806 68,513 Payable to investors at fair value 626,207 7,386 1,101 Accrued expenses and other liabilities 2,193,575 2,154,914 321,092 Refund liability 2,145,748 2,137,835 318,546 Deferred tax liabilities 486,773 417,629 62,229 Lease liabilities 348,176 51,880 Contingent consideration 2,626,734 391,396 Total liabilities 14,585,068 8,472,569 1,262,452 ---------- - ---------- - --------- - Ordinary shares 77 77 11 Shares to be issued 2,754,444 410,425 Additional paid-in capital 1,293,968 1,080,395 160,984 Treasury stock (254 ) (5,694 ) (848 ) Accumulated other comprehensive income 16,390 13,160 1,961 Accumulated deficit (1,672,478 ) (1,309,136 ) (195,067 ) Total (deficit)/ equity (362,297 ) 2,533,246 377,466 ---------- - ---------- - --------- - Total liabilities and equity 14,222,771 11,005,815 1,639,918 ---------- - ---------- - --------- -
Operating Highlights and Reconciliation of GAAP to Non-GAAP Measures (in thousands, except for number ofborrowers, number of investors and percentages) For the Three Months Ended For the Year Ended ---------------------------------------- ------------ March 31, March 31, March 31, December 31, 2018 2019 2019 2018 ------------ ------------ ------------ ------------ RMB RMB USD RMB Operating Highlights Amount of investment 18,027,655 11,435,588 1,703,956 70,667,346 AUM of investment 72,733,920 67,251,285 10,020,754 71,091,980 Number of investors 331,519 200,780 200,780 745,799 Amount of loans facilitated 19,771,068 10,934,923 1,629,354 63,303,236 Number of borrowers 287,166 149,715 149,715 922,593 Remaining principal of performing loans 75,271,466 63,213,843 9,419,156 68,345,361 Segment Information Wealth management: Revenue 422,990 521,434 77,696 2,021,747 Sales and marketing expenses 698,933 143,904 21,442 1,242,439 Consumer credit: Revenue 3,341,681 1,458,974 217,394 9,222,372 Sales and marketing expenses 1,457,029 984,041 146,627 5,415,831 Reconciliation of EBITDA Net income 535,853 369,085 54,995 1,579,959 Interest income, net (28,269 ) (95,569 ) (14,240 ) (81,899 ) Income tax expense 83,578 76,534 11,404 194,287 Depreciation and amortization 38,253 32,502 4,843 147,992 Share-based compensation 19,533 14,699 2,190 119,998 ---------- - ---------- - ---------- - ---------- - Adjusted EBITDA 648,948 397,251 59,192 1,960,337 ---------- - ---------- - ---------- - ---------- - Adjusted EBITDA margin 17.2 % 20.1 % 20.1 % 17.4 %
Delinquency Rates -------------------------------------- Delinquent for ------------------- 15-29 30-59 60-89 days days days ----- ----- ----- All Loans December 31, 2014 December 31, 2015 0.7 % 1.2 % 1.0 % December 31, 2016 0.6 % 0.9 % 0.8 % December 31, 2017 0.8 % 1.0 % 0.8 % December 31, 2018 1.0 % 1.8 % 1.7 % March 31, 2019 0.9 % 1.9 % 1.7 %
Net Charge-Off Rate for Upgraded Risk Grid ------------------------------------------------------------------ Total Net Charge- Loan Customer Amount of loans Accumulated M3+ Net Off issued facilitated Charge-Off Rate period grade during the period as of March 31, 2019 as of March 31, 2019 ------ -------- ------------------ -------------------- ------ (in RMB thousands) (in RMB thousands) 2015 I 4,894,936 204,034 4.2 % II 17,502,449 779,071 4.5 % III 11,272,838 716,717 6.4 % IV 11,283,656 1,365,938 12.1 % V 11,199,563 1,734,289 15.5 % -------- ------------------ -------------------- ---- - Total 56,153,444 4,800,049 8.5 % -------- ------------------ -------------------- ---- - 2016 I 5,858,473 229,860 3.9 % II 12,781,372 514,171 4.0 % III 9,951,614 711,424 7.1 % IV 8,652,543 891,251 10.3 % V 16,981,990 2,539,120 15.0 % -------- ------------------ -------------------- ---- - Total 54,225,993 4,885,827 9.0 % -------- ------------------ -------------------- ---- - 2017 I 11,223,886 604,798 5.4 % II 12,270,230 1,201,390 9.8 % III 13,837,922 1,804,614 13.0 % IV 13,663,558 1,975,100 14.5 % V 19,680,365 3,400,179 17.3 % -------- ------------------ -------------------- ---- - Total 70,675,961 8,986,081 12.7 % -------- ------------------ -------------------- ---- - 2018 I 9,604,220 251,825 2.6 % II 14,656,703 610,073 4.2 % III 13,903,094 756,058 5.4 % IV 13,812,989 1,021,518 7.4 % V 11,326,230 1,085,458 9.6 % -------- ------------------ -------------------- ---- - Total 63,303,236 3,724,932 5.9 % -------- ------------------ -------------------- ---- -
M3+ Net Charge-Off Rate Loan issued Month on Book period ------ -------------------------------------------------------------------- 4 7 10 13 16 19 22 25 28 31 34 2015Q1 0.8 % 2.2 % 3.7 % 5.1 % 6.2 % 7.0 % 7.5 % 7.9 % 8.1 % 8.1 % 8.2 % 2015Q2 0.8 % 2.4 % 4.0 % 5.4 % 6.6 % 7.5 % 8.2 % 8.5 % 8.7 % 8.8 % 8.9 % 2015Q3 0.4 % 1.6 % 3.2 % 4.5 % 5.6 % 6.5 % 7.1 % 7.5 % 7.8 % 8.1 % 8.3 % 2015Q4 0.4 % 1.6 % 3.1 % 4.4 % 5.5 % 6.3 % 6.9 % 7.4 % 7.8 % 8.2 % 8.5 % 2016Q1 0.3 % 1.3 % 2.5 % 3.6 % 4.5 % 5.2 % 5.8 % 6.4 % 7.0 % 7.3 % 7.6 % 2016Q2 0.4 % 1.7 % 3.1 % 4.3 % 5.2 % 6.0 % 6.8 % 7.6 % 8.1 % 8.4 % 2016Q3 0.3 % 1.6 % 3.0 % 4.2 % 5.4 % 6.6 % 7.8 % 8.6 % 9.1 % 2016Q4 0.2 % 1.5 % 2.9 % 4.3 % 5.9 % 7.4 % 8.4 % 9.2 % 2017Q1 0.3 % 1.5 % 3.2 % 5.1 % 7.1 % 8.5 % 9.7 % 2017Q2 1.1 % 2.9 % 5.6 % 8.3 % 10.2 % 11.9 % 2017Q3 0.3 % 2.9 % 6.3 % 9.0 % 11.4 % 2017Q4 0.5 % 3.8 % 7.2 % 10.4 % 2018Q1 0.4 % 3.0 % 6.5 % 2018Q2 0.5 % 3.6 % 2018Q3 0.3 %
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Share some information about your insurance needs and we will let you know if we can lower your costs and expand your coverage.
TBIA, Inc. is an independent, multi-state, insurance broker that has been servicing the needs of families and businesses since 2001. TBIA is not limited to the products of only one insurance company, but to a multitude of insurance carriers. This allows us to provide individualized sollutions to consumers and business owners, helping them make informed decisions about their insurance needs. We are able to shop and compare across the entire insurance marketplace to find the right policy at the right price for each individual and business client.


What follows then, you won't be surprised, is not autobiographical. Or mostly not. But it is about music. Music and politics at a particular point in time. Confectionary doesn't really get a look in.
Savage, who I guess we might best describe as a cultural historian these days, has written a new book. It's a book about the year 1966, and it is full of the music of the time, much of it great. But it's also a book about nuclear fear, the Vietnam war, the rise of feminism (before the word feminism even existed), civil rights marches, LSD and flower power. And it's a book about how all those things connect and interact.
"Pop was everything in 1966," Savage writes on (almost) the first page of 1966. It was, he argues, "a way of looking at the world" too. And that in essence is what 1966 is about. The music and the mood music. The tenor of the times and the soundtrack that accompanied it. The Beatles and the street battles, if you like (though you can also expect everyone from the Four Tops to Love, Wilson Pickett to the Thirteenth Floor Elevators to turn up at some point).
It's a grey Welsh morning on Anglesey when we speak. This is where Savage lives now, when he's not delving through yellowing clippings and microfilm in libraries and museums. Possibly still best known for his monumental history of punk, England's Dreaming, Savage has been pursuing the back story of the teenage dream for decades now. Indeed, 1966 is a reaction to his previous book Teenage, one that covered the years 1875 to 1945 and necessarily entailed engaging with the horrors of two world wars.
So here we are, with a 550-page book (not including notes and discography). There's also an accompanying double CD if you're so inclined, though thankfully it doesn't include Staff Sargeant Barry Sadler's mawkish, militaristic The Ballad of the Green Berets which does feature heavily in the book.
And the thing is, Savage may have started out not wanting to revisit the horrors of the war but 1966 had its own terrors. It's a book that begins with the fear of nuclear annihilation after all.
Time and again Savage crosscuts from the utopian possibilities of pop to the painful reality of the times, whether it be the escalation in the Vietnam War or the increasing violence surrounding the civil rights marches in the US. And so James Brown rubs shoulders with Martin Luther King and firebrand Stokely Carmichael.
These are subjects that retain the power to shock, Savage found. "I started off watching the footage of Selma and I couldn't believe it. I just couldn't. I was absolutely horrified. It has that power 50 years later.
And not even Diana Ross could change that.
But pop could offer a commentary on and sometimes a rebuttal of that painful reality. And it did. For some it's why the sixties remain such a contentious part of our history. 1966 is Savage's defence of that decade.
Jon Savage was 13 in 1966, living in Ealing where his parents had moved after the Second World War. A new beginning in a new place. A new world even.
"I bet you're sorry you won," Ringo replies.
Thinking about it, it's possible that Ringo's story, Savage's story, every sixties story is a war story of sorts.
"I do believe every generation has its own task," Savage tells me at one point, "and its own time and the work of my generation was to deal with post-war damage and to start unlocking those feelings and all that damage that our parents had quite understandably locked up.
In passing he remembers the funeral of Winston Churchill in 1965. "I think what happened for me anyway is that the death of Churchill and the funeral actually unlocked something. That was the end of the war. That was it.
1966 is forever. How sweet is that?
1966: The Year the Decade Exploded by Jon Savage is published by Faber, priced £20.A double CD of the same name has been released on Ace Records.


Prince Harry and Meghan Markle are set to tie the knot in May 2018 and considering the couple's vast wealth, they may consider entering into a pre-nuptial agreement ("a prenup") to protect their respective interests.
Given that the couple intend to reside in England, if they were still habitually resident there at the point of any separation in the future, the divorce would be governed by the law of England and Wales. The default position would be that the value all of their assets, including those acquired before marriage, would potentially be taken into account. Their matrimonial assets would be split in a way in which the courts deemed to be fair. Any inheritance and wealth acquired before the marriage could potentially be considered and so Prince Harry's reported £30million and Meghan's reported £4million should ideally be protected. A prenup may, therefore, be useful to provide certainty regarding the split of assets on divorce.
Historically, prenups were not seen to be legally binding in England and Wales. The Supreme Court's decision in the case of Radmacher v Granatino shifted the attitude of the courts towards giving significant weight to these types of agreement and there are moves to try and make them binding on courts. At present though, there will be one factor for the judge to weigh up but not necessarily the determining factor especially if there are children, financial dependence, loss of career as a result of family and if the marriage has been a long one. Also, in determining the fairness of the agreement, the courts in England will consider whether the parties had the opportunity to take independent legal advice and if there was full disclosure of all the parties' assets prior to them signing the agreement. Agreements can also be set aside if there is any evidence that the agreement was entered into under duress, fraud or misrepresentation. At present, they cannot completely oust the jurisdiction of the family courts in England.
The courts in England and Wales, therefore, have a high degree of discretion relative to prenups and even if Prince Harry and Meghan were to enter into one, it is not guaranteed that the court would uphold the terms of the agreement.
If Prince Harry and Meghan were ever to decide to move north of the border, and then separate, then the position relative to divorce law and to prenups would differ markedly from that of England and Wales. In Scotland, it is widely accepted that prenups will be upheld provided that they were fair and reasonable at the time they were entered into. Importantly in Scotland, assets acquired before the marriage as well as gifts and inheritances do not form part of matrimonial property to be divided between the couple on divorce. The assets built up already by Prince Harry and Meghan would, therefore, not be taken into account. However, there is one proviso to that which would render a prenuptial agreement invaluable in Scotland. If either of the parties converted their existing assets by selling them and acquiring new assets in their place during the marriage, then these newly acquired assets would form part of their matrimonial property. It is highly likely that a couple broadly of the ages of Prince Harry and Meghan will buy and sell their property, reinvest their money and generally change their assets around quite a bit.
A prenuptial agreement could, therefore, be a valuable insurance policy for Prince Harry and Meghan considering the substantial wealth they have already accumulated.
Prenups can be perceived as being a difficult topic for discussion, however, they can provide predictability and protection in circumstances where a relationship has broken down. Contrary to the myth that prenups are only used by wealthy individuals, such as Prince Harry and Meghan, they are in fact regularly used by individuals of more modest means, particularly those couples who choose to marry later in life or for a second time and who have already accumulated property and assets beforehand.
If you are looking for advice on prenuptial agreements, please get in touch with the Family Law team at Turcan Connell.


text:
Q: MongoDB: Any possibility to show operation progress of insertMany using C/C++ drivers? In my Qt-based app I've started using MongoDB via C driver (C++ driver happens to require more configuration efforts and is documented not as good as C driver). One thing I cannot figure out is if it is possible to track the progress of a current time-consuming operation like mongoc_collection_insert_many().
Suppose I make a client connection to a remote mongoDB server, and insert 5000 documents into a collection (which, by the way, I do in a separate thread to avoid blocking the GUI-part). In my case this operation takes 1-2 minutes, depending on the network load. For sure, I can track insertion progress if I use mongoc_collection_insert_one() instead and cycle over documents, but this then takes about 15 minutes which is unacceptable for me. Is it possible to track the progress with mongoc_collection_insert_many()? If not, is it possible in C++ driver? (asking just 'in case', as I guess it doesn't depend on drivers at all.)

redpajama_set_name: RedPajamaStackExchange


text:
Martin: Mass for Double Choir
Westminster Cathedral Choir, James O'Donnell
For connoisseurs of choral music this is an essential buy. Outstanding performances of two rarely heard 20th-century masterpieces. — Classic CD More…
Recording of the Year
Winner - Choral
Penguin Guide
Martin, F: Mass for Double Choir
James O'Donnell
I. Kyrie
II. Gloria
III. Credo
IV. Sanctus
V. Agnus Dei
Martin, F: Passacaille
James O'Donnell (organ)
Pizzetti: Messa di Requiem
I. Requiem aeternam
II. Dies irae
III. Sanctus
IV. Agnus Dei
V. Libera me
Pizzetti: De profundis
Classic CD
For connoisseurs of choral music this is an essential buy. Outstanding performances of two rarely heard 20th-century masterpieces.
These are magnificent performances.
Written in 1922, the Agnus Dei being added four years later, the Mass is one of Martin's most sublime compositions. Surprisingly it gains enormously from using boys' rather than female voices. It's a measure of James O'Donnell's achievement with Westminster Cathedral Choir that the gain in purity and beauty is never at the expense of depth and fervour.
This is an altogether moving and eloquent performance, often quite thrilling and always satisfying.
This disc brings us a fine performance by O'Donnell of the Passacaille and the Pizzetti Messa di Requiem, also composed in 1922. The received wisdom is that it is in his a cappella music that Pizzetti is at his finest; in his 1951 monograph Guido Gatti spoke of his setting as 'the most serene and lyrical of all... from Mozart's to Gabriel Faure's'. Serene and lyrical it most certainly is, and it will come as a revelation to those encountering it for the first time.
There is a fervour and a conviction about the Westminster performances of both the Requiem and the 1937 De profundis. The luminous tone this choir produce in both these inspired and masterly works will ring in your ears long after you have finished playing this splendidly recorded disc.
The Mass for Double Choir is one of Martin's purest and most sublime utterances. The version from the Westminster Cathedral Choir under James O'Donnell is the most outstanding. The boys produce marvellously focused tone of great purity and expressive power.
Martin, Frank (1890–1974)
Pizzetti, Ildebrando (1880–1968)
Martin, F: Passacaille for Organ
O'Donnell, James

redpajama_set_name: RedPajamaCommonCrawl


It is a potential fatal infection resulting from a bacterial toxin.
It is caused by various organisms like Staphylococcus aureus and group A Streptococcus pyogenes.
1.	Ganem D. Toxic shock syndrome-Medical Staff Conference, University of California, San Francisco. West J Med 135:383-388, Nov 1981.
2.	Irazuzta J, Sullivan KJ, Garcia PC, Piva JP. Pharmacologic support of infants and children in septic shock. J Pediatr (Rio J). 2007;83(2 Suppl):S36-45.
3.	Masao Miyashita. Controversy of Corticosteroids in Septic Shock. J Nippon Med Sch 2010; 77: 67-70.
What are the Signs and Symptoms of Toxic Shock Syndrome?


SEC FILES SETTLED INSIDER TRADING ACTION AGAINST TWO BRADENTON RESIDENTS FOR TRADING IN THE SECURITIES OF AMERICAN BANCSHARES, INC.
SECURITIES AND EXCHANGE COMMISSION v. THOMAS HOUCK AND MICHAEL LEWIS, Case No. 8:01-CV-1071-T-26MSS (M.D. Fla.).
On June 6, 2001, the Securities and Exchange Commission (SEC) filed insider trading charges in the United States District Court for the Middle District of Florida against Thomas Houck and Michael Lewis, both of Bradenton, Florida. The SEC's lawsuit charges Lewis with illegally providing inside information to Houck. The lawsuit further alleges that Houck then illegally traded in the securities of American Bancshares, Inc. (American Bancshares) before the September 7, 1999 announcement that Gold Banc, Inc. (Gold Banc) had agreed to purchase American Bancshares. Simultaneously with the filing of the complaint, Houck and Lewis agreed to settle the charges against them.
According to the SEC's complaint, on August 30, 1999, Lewis, a vice-president of consumer lending at American Bancshares, discovered non-public information that led him to conclude that American Bancshares would soon be taken over. This information prompted Lewis to ask at least one of American Bancshares' senior executives if the bank was being taken over. The SEC's complaint also alleges that on August 30, 1999, Lewis communicated to his friend, Houck, material non-public information concerning American Bancshares. The complaint alleges that, based upon this tip, Houck purchased 1,500 shares of American Bancshares stock at a price of $9 5/16 per share. The SEC's complaint also alleges that Houck told another individual to purchase American Bancshares stock, and that the individual also purchased 1,500 shares of American Bancshares stock on August 30, 1999.
When the Gold Banc acquisition of American Bancshares was announced on September 7, 1999, American Bancshares' stock price rose as high as $14 ½ per share, before closing at $13.875. That same day, Houck and the individual he tipped sold their American Bancshares stock for a combined profit of $12,291.68.
Simultaneously with the filing of the complaint, Houck and Lewis, without admitting or denying the allegations in the complaint, consented to the entry of a final judgment permanently enjoining them from violating Section 10(b) of the Securities Exchange Act of 1934 and Rule 10b-5 thereunder. The judgment orders Lewis to pay a civil money penalty of $6,145.84, equal to the profits earned by Houck, and orders Houck to pay disgorgement of $12,291.68, plus prejudgment interest, representing the profits he and his tippee earned from their trades in American Bancshares stock, and a civil money penalty of $6,145.84, representing his own profits.
The SEC thanks NASD Regulation, Inc. for its assistance with this matter.


Are you happy in your current career? Do you feel unfulfilled and unhappy in your work? Are you thinking about changing career or taking a new direction? If so, you need to review your situation. To take a step back and consider what you want out of work and what options are available. Working with a qualified career coach, we will help you identify what your key skills are and what motivates you. This is about enabling you to visualise the way ahead, take control of your destiny and get your career back on track.
Our no obligation 10-minute career coaching fact finding session will help you identify what you will gain from the service. Telephone us on 0845 435 0136 or email info@cv-writers.org.uk to find out more.
Following a short fact-finding conversation, your career coach will arrange a 30-minute coaching session to facilitate the exploration of your future career options, help you identify aspects that might be holding you back and from moving forward. They will also review your potential and help you to facilitate change to enhance your career. The session will assist you to make positive changes and form your own career solutions. Further 30-minute sessions can be purchased if required.
It is important to note that career coaching is not careers guidance but offers you a method of facilitation to realign your career and will support and encourage a career focus. A career coach will not be directive or make decisions on your behalf.
Following a fact-finding call to discuss and agree outputs, this service includes three 30-minute Skype/telephone sessions which offers more in depth and focused career coaching, which may involve some 'homework' for you to carry out between sessions. The sessions will enable goal construction and clarification and focus on an outcome or action plan for personal growth.
Who will be your consultant?
Our career consultant holds a certificate in life coaching, has 13 years' experience in HR, 3 years' in recruitment and is also an experienced CV writer.


The company data protection officer of InoTec GmbH Organisationssysteme can be reached at the above address, for the attention of the person responsible, or datenschutz@inotec.eu .
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Brandon N. Adkins' practice focuses on litigation and enforcement matters, including civil and criminal investigations conducted by the U.S. Department of Justice, the U.S. Securities and Exchange Commission, and other federal and state regulators, as well as disputes involving complex cross-border issues affecting multi-national companies.
Brandon joined the firm in 2012 and was resident in the London office from July 2014 until January 2016.
Editor of the Georgetown Law Journal and an extern at the U.S. Department of Justice, Civil Fraud Section.


I have installed a new 120g hard drive in this machine which has hardly been used, but I do not have the original software. What's the maximum OS I can use? The machine currently has 256 ram.
I note from previous posts that Leopard 10.5.8 was recommended yet in another this was said to run slow. Also, apart from ebay can someone recommend a good supplier?
Thanks for the response Rab, I have one RAM slot so can I use a single PC700 1 GB chip - you say to use 2 x 512's in your response?
When I mentioned that I was looking for supplier I was referring to the software for the operating system, I note comments in previous posts about using ebay. So I need a supplier for Tiger 10.4 (I assume this is best for this machine?).
Actually your computer has one ram slot as you have found out. The preferred ram is PC 2100 but the computer will use PC 2700. You need one 1GB stick to max out your memory.
Your maximum OS is Leopard, but that's pushing it, I usually follow the n-1 rule, so run Tiger. Leopard will be slow, sluggish, and unresponsive, Tiger will be responsive and quick (for the specs).
To max out the RAM, get two 512 MB sticks, and follow this guide, to max out the hard drive get this 5400RPM 320GB HDD, and follow this guide.
As for software, I suggest browsing the web with Firefox over Safari, as it's a lot more stable and responsive on older hw.
Thanks Ralph - great advice.
I have a 1.42Ghz iBook G4 with 1.5 gigs of ram on the original hard drive with 10.5 (leopard) and she runs just about as fast as my 1.8Ghz HP Mini 110 with 2 gigs of ram and 10.5. Which is saying something seeing as they are a good 5 years apart in age.
I am using TenFourFoxbrowser its better then firefox or safari, actually it runs pretty *^^* well.


text:
Free remix of 'Lucy In The Sky With Diamonds' by The Beatles
Rhythm Scholar did a fun remix of this Beatles classic. He keeps the vibe of the original and adds a bit of a downtempo / reggae-tinged twist.
Rhythm Scholar Soundcloud page - They have lots of other free remixes to download, lots of classic songs remixed.
Rhythm Scholar Facebook page
Follow Rhythm Scholar on Twitter
Labels: bootleg, free mp3, free music, mp3, music, pop, remix
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text:
Live: Beethoven, Enescu, Chopin
Ludwig van Beethoven | George Enescu | Frédéric Chopin
Charles Richard-Hamelin
Album code AN 2 9129
Periods Classical | Romantic
Genres Piano
Archambault – CD
ArkivMusic – CD
Presto Classical – FLAC + MP3
Choose your streaming platform
They spoke about it
His interpretation of the Enescu work is magnificent, but what he does with Chopin's Polonaise No. 6 is exceptional because it renews the work. He is full of talent, this boy!
— Radio-Canada
To say that this new album is a delight is a euphemism. This young man has a splendid touch and he constantly conveys an emotion that almost pulls your tears. Bravo!
—Le Journal de Montréal
The silver medalist of the International Chopin Piano Competition keeps moving forward with confidence on the path of depth and musical intelligence.
— La Presse
Captured in a warmly immediate recording, Richard-Hamelin is a welcome new voice on the pianistic firmament.
— Gramophone
Fluent, multifaceted and tonally seductive, he is a technician of exceptional elegance and sophistication.
— BBC Music Magazine
Pupil of André Laplante and Jean Saulnier, his readings of Chopin has the stamp of a precocious maturity: he plays without scruple, not trying to please but to communicate.
— BachTrack (UK)
This live concert recording features superb performances and exceptionally fine sound.
— Ludwig van Toronto
Richard-Hamelin shows not only acute elegance and poise, but extreme precision and a heightened emotional sensibility.
— La Scena Musicale
Richard-Hamelin demonstrates a genuine understanding of this music and reveals more of its inner secrets in a gratifying way. […] His playing sparkled, his confidence was clearly evident, his musicianship mature and engaging.
— The WholeNote
Playing of this insight and maturity is rare.
— Vancouver Classical Music
After his consecration, it is now a liberation towards an almost infinite repertoire for the musician […] Evaluation: Superb ★★★★★.
— Le Parnasse Musical
Though written within a span of just over 100 years, the works recorded here nevertheless represent three centuries of music: Beethoven's Two Rondos, Op. 51 are steeped in Classicism; the works by Chopin are in the Romantic tradition; and Enescu's Piano Suite No. 2, Op. 11, with its unique harmonic language and impressionistic style, pointed toward one of the roads modernity would take in the early 20th century.
Yet in this admixture of eras, there is a pleasing balance between well-known favourites and more obscure works – between familiarity and discovery.
Two Rondos for piano, Op. 51 by Ludwig van Beethoven (1770 – 1827)
Beethoven's Two Rondos for solo piano, Op. 51 were written four years apart and not intended to go together; the decision to include them in the same opus was made by a publisher, who released them together in 1819, 19 years after the second was composed. But the two works do share many features, starting with the elegant simplicity of their refrains, which evoke the classicism of Mozart and Haydn more than they do the "heroic" Beethoven of the early 19th century. Each in their own way, both works in Op. 51 stray from the conventional rondo form. For instance, within the second couplet of the Rondo in C Major, Op. 51, No.1, Beethoven places the return to the refrain in the key of A-flat major. Some of the alterations made to this "false refrain", such as the use of chromatic passages, or of triplets to rhythmically accelerate the consequent phrase, reappear in the third and final occurrence of the refrain in the initial key of C major. In the Rondo in G Major, Op. 51, No. 2, the rondo form is nested within a larger ABA', suggested by the extreme contrast of the second couplet compared to the rest of the work, which Beethoven imbued with a more animated character, a new key, and a different metre and tempo.
Suite No. 2 for piano, Op. 10 by GEORGE ENESCU (1881 – 1955)
During his lifetime, George Enescu's compositional output was eclipsed by his brilliant career as a soloist, chamber musician, conductor, and teacher. A virtuoso violinist who taught the likes of Yehudi Menuhin and who performed with Dinu Lipatti and Pablo Casals, Enescu was also an excellent pianist whose technique was admired by none other than Alfred Cortot. Enescu himself premiered his Piano Suite No. 2 in D major, Op. 10 in 1903. Three of the four movements were written for an international composition competition organized that same year by the magazine Musica. To the "Toccata" composed two years earlier during a stay in his home country of Romania, he added a "Sarabande", "Pavane", and "Bourrée" to form a suite that he submitted to the jury under the title of Des cloches sonores (Ringing Bells).
The bell image works particularly well for the rich, vibrant textures of the opening "Toccata" and the closing "Bourrée". Enescu here seems to use a definition of "toccata" dating from the 16th and 17th centuries, when it could mean a fanfare-like work. Unlike the perpetual motion character of the toccatas from Debussy's 1901 Suite pour le piano and the conclusion of Ravel's Tombeau de Couperin (1918), Enescu's Op. 10 Toccata alternates full, majestic writing that makes liberal use of the pedal and that spans both ends of the piano's range with thinner, more articulate writing, thereby evoking different stops on an organ.
In the introduction of the noble, dream-like "Sarabande", the arpeggiated chords accompanying the melody, played in octaves with the right hand, evoke the strumming of guitar strings, an accompaniment style that returns from time to time as the movement unfolds.
The "Pavane", which bears the indication "lentement bercé" (slowly rocking), is the most intimate movement of the work. In the opening lines, the melody, with its free rhythm ornamented with trills and marked "quasi flûte" (flute-like), could be heard as an allusion to Romanian folk music; however, in a suite so highly imbued with French influences, it remains a very subtle evocation.
Much more exuberant – at times even pounding – with moments of dramatic intensity not yet reached in the previous movements, the opening of the "Bourrée" manages to be at once festive and solemn, with a motive in parallel thirds in the right hand that undeniably evokes a trumpet call. This motive takes on great importance as the piece unfolds, its rhythm or melodic shape variously taken up in different registers of the keyboard, culminating in an almost orchestral climax shortly before the end.
Romantic piano works by Frédéric Chopin (1810 – 1849)
Frédéric Chopin completed his Rondo in E-flat major, Op. 16 in 1832, the year before he arrived in Paris. Based on sketches he had long set aside, this work in the "brilliant" style, filled with a freshness, virtuosity and – rare for Chopin – humour, is fully in keeping with his young works, composed while he was still in Poland.
The other pieces by Chopin on this recording, all composed between 1840 and 1843, are mature works in which virtuosity is employed to convey more substantial musical ideas. The Ballade No. 3 in A-flat major, Op. 47, more luminous than Chopin's other three ballades, also stands out for its almost dance-like character and the unity of its thematic material. Written two years after he started writing Op. 47, the Polonaise in A-flat major, Op. 53 features an assemblage of sections with characters that justify the subtitle "Heroic": majestic and triumphant, the main theme gives way to the famous central section in E major, with its martial melody strutting over a tireless ostinato pattern of four descending eighth-notes played in octaves. Conversely, the melancholy Nocturne in E-flat major, Op. 55, No. 2 is a highly abstract work that paves the way for Chopin's late style. Behind its improvisational exterior is writing that is much more complex than it initially appears; the attentive ear will detect subtle thematic relationships between the melody and the accompaniment.
© Florence Brassard
Translated by Peter Christensen
Andrew Wan
Chopin: Concertos Nos. 1 & 2
Orchestre symphonique de Montréal (OSM)
+ Kent Nagano
Chopin: Sonate No. 3, Polonaise-Fantaisie, Nocturnes
Chopin: Ballades & Impromptus
Max Bruch: Eight Pieces for Clarinet, Viola and Piano, Op. 83
Philon Trio
David Dias da Silva
+ Adam Newman
Camilla Köhnken
Adam Cicchillitti
Steve Cowan
Schubert: The Complete Sonatas and Major Piano Works, Vol. 1 - The First Romantic
Mathieu Gaudet
Mahler: Orchestral Songs - The Organ Transcriptions
David John Pike
Angèle Dubeau
Angèle Dubeau & La Pietà
Buzz Brass
Clara - Robert - Johannes
Orchestre du Centre national des Arts du Canada
Alexander Shelley
+ Angela Hewitt
Yosuke Kawasaki
New Jewish Music, Vol. 2 - Azrieli Music Prizes
Boris Brott
Orchestre classique de Montréal
+ Lara St. John
Sharon Azrieli
Charles Richard-Hamelin stands out on the international music scene as a "highly sensitive" pianist (Gramophone), driven by "a great depth of feeling without the slightest condescension" (Le Devoir). [...]
Born on December 17, 1770 in Bonn, Germany
Died on March 26, 1827 in Vienna, Austria
From a very young age, Ludwig van Beethoven was taught piano and violin. He acquired orchestral player skills as a violist in the orchestra of the court in Bonn, his hometown. He settled in Vienna in 1792. [...]
George Enescu
Romanian composer and violinist
AN 2 8877 EP Clara Robert Johannes
AN 2 9145 Chopin Ballades Impromptus


If you've ever had to navigate the health care system, you've probably wondered, does it really need to be this complicated? The short answer is: No, not in this day and age.
Nearly every major industry, from retail to travel, has figured out how to use digital technology to simplify the customer experience. They've identified the biggest sources of friction in the customer journey and have found innovative ways to make the most common transactions virtually effortless. Once freed from the byzantine details of each transaction, the focus can return to the customer and his or her individual needs.
At Providence, we're working diligently to reduce the friction in health care by creating more conveniences and services online. Here are some of the key ways that my team – the Digital Innovation Group at Providence – is finding ways to improve the patient experience through technology.
1. We're assembling top engineering talent with expertise from other industries. While many health care organizations are pursuing innovation, one thing that makes Providence unique is that we're building a team of in-house product and software engineers. Many of the individuals who have joined us come from outside health care and have helped develop successful apps and online services for some of the country's major consumer-centric brands. They're working closely with our clinicians and early stage technology partners to transform the patient experience at Providence.
2. Initially, we're focusing on nailing the basics. Though online conveniences have become a basic expectation in other industries, they continue to be the exception rather than the norm in health care. At Providence, we're working quickly to change that and are initially focused on making sure the basic expectations – from making appointments online to virtual doctor and nurse visits – are well-oiled and delivering an exceptional experience for patients. Once we've nailed that, we'll move on to the bigger challenge of creating healthier communities through new health and wellness tools. Ultimately, Providence wants to keep people healthy – not just see them when they're sick – and we believe there is tremendous opportunity to use technology to engage people in their health, as well as involve their families and support networks in the process.
3. We're spending a lot of time getting to know our customers. My team is focused on three customer segments: 1.) patients and families, 2.) the clinicians who work at Providence and 3.) early-stage technology companies that are partnering with us to solve challenges in health care (because we know this will be a team effort). We're working with and talking with each of these groups on a regular basis and analyzing data to better understand their experiences and identify the friction points in their interactions with Providence. We are also conducting small pilots to quickly test and iterate new applications and services.
I joined Providence about a year ago. Most recently I came from Amazon and prior to that I had been involved in consumer and enterprise startups and led a turn-around of technology and product engineering at Zynx Health, a clinical decision support software company. My first concern was will the best and brightest join us on this mission? At a 158 year old not-for-profit?
As we are building a team of all-stars coming into healthcare, many for the first time, I am overjoyed at the talent who are choosing to join our endeavor. Providence's Mission of serving the poor and the vulnerable is lived every day and helps keep everyone's eyes forward. Afterall, aren't we all vulnerable when there is a health challenge in our families?
From the Sisters of Providence who brought the healthcare to the Northwest frontier in the 1850's to the nearly $900 million per year in free and discounted care and other community services that Providence delivers today, the Mission of Providence is alive and well today and fuels our drive to transform the health care industry. It's a rare opportunity and a privilege for technology geeks like us to be part of something as meaningful as this and to literally have the chance to impact people's lives at a time when they need it most.


text:
Beuermann, Sabine (22) (remove)
Monograph/Edited Volume (1)
radical polymerization (3)
copolymerization (2)
) (1)
atom transfer radical polymerization (ATRP) (1)
block copolymers (1)
fluorinated olefins (1)
fluoropolymers (1)
hexafluoropropene (1)
Synthesis of high molecular weight polyglycolide in supercritical carbon dioxide (2014)
Schmidt, Christian ; Behl, Marc ; Lendlein, Andreas ; Beuermann, Sabine
Polyglycolide (PGA) is a biodegradable polymer with multiple applications in the medical sector. Here the synthesis of high molecular weight polyglycolide by ring-opening polymerization of diglycolide is reported. For the first time stabilizer free supercritical carbon dioxide (scCO(2)) was used as a reaction medium. scCO(2) allowed for a reduction in reaction temperature compared to conventional processes. Together with the lowering of monomer concentration and consequently reduced heat generation compared to bulk reactions thermal decomposition of the product occurring already during polymerization is strongly reduced. The reaction temperatures and pressures were varied between 120 and 150 degrees C and 145 to 1400 bar. Tin(II) ethyl hexanoate and 1-dodecanol were used as catalyst and initiator, respectively. The highest number average molecular weight of 31 200 g mol(-1) was obtained in 5 hours from polymerization at 120 degrees C and 530 bar. In all cases the products were obtained as a dry white powder. Remarkably, independent of molecular weight the melting temperatures were always at (219 +/- 2)degrees C.
Homogeneous phase copolymerizations of vinylidene fluoride and hexafluoropropene in supercritical carbon dioxide (2011)
Möller, Eleonore ; Beuermann, Sabine
Copolymerizations of vinylidene fluoride (VDF) and hexafluoropropene (HFP) were carried out in homogeneous phase with supercritical carbon dioxide up to complete VDF conversion using conventional peroxide initiators. The HFP monomer feed ratios, f(HFP), were varied between 0.65 and 0.20. Depending on f(HFP) amorphous or semi-crystalline copolymers were obtained. f(HFP) also determines the minimum pressure required to allow for homogeneous phase reactions. For example, HFP-rich copolymerizations in 70 wt.-% CO(2) at 100 degrees C require a pressure of around 500 bar. Further, bulk copolymerizations in homogenous phase were feasible for f(HFP) 0.65 at 900 bar up to complete VDF conversion. Copolymerizations in the presence of perfluorinated hexyl iodide carried out at 75 degrees C gave access to low dispersity polymers. Due to homogeneous phase conditions the use of any surfactants or fluorinated cosolvent is avoided.
1H,1H,2H,2H-Perfluorodecyl-Acrylate-Containing block copolymers from ARGET ATRP (2011)
Schreiber, Ulrike ; Hosemann, Benjamin ; Beuermann, Sabine
Block copolymers of 1H,1H,2H,2H-perfluorodecyl acrylate (AC8) were obtained from ARGET ATRP. To obtain block copolymers of low dispersity the PAC8 block was synthesized in anisole with a CuBr(2)/PMDETA catalyst in the presence of tin(II) 2-ethylhexanoate as a reducing agent. The PAC8 block was subsequently used as macroinitiator for copolymerization with butyl and tert-butyl acrylate carried out in scCO(2). To achieve catalyst solubility in CO(2) two fluorinated ligands were employed. The formation of block copolymers was confirmed by size exclusion chromatography and DSC.
Fullerenes decorated with poly(vinylidene fluoride) (2011)
Vukicevic, Radovan ; Beuermann, Sabine
Fullerenes decorated with poly(vinylidene fluoride) (PVDF) were synthesized in a three-step procedure: Iodine transfer polymerization of vinylidene fluoride with C(6)F(12)I(2) as the chain transfer agent was carried out in supercritical carbon dioxide to synthesize iodine-terminated PVDF, which was subsequently transformed to azide-terminated polymer. Finally, azide-terminated PVDF chains were attached to a fullerene core under microwave irradiation at 160 degrees C in 1.5 h. The materials were characterized by NMR, FT-IR, UV/vis, GPC, elemental analysis, and DSC. On average, 4-5 PVDF chains are attached to one C(60) moiety. FT-IR spectra and DSC measurements indicate that the polymer end groups strongly affect the crystallinity of the material. For PVDF with azide end groups and PVDF attached to fullerenes the fraction of the beta polymorph is dominant while alpha polymorphs are almost absent.
Free Radical Copolymerization Kinetics of gamma-Methyl-alpha-methylene-gamma-butyrolactone (MeMBL) (2011)
Cockburn, Robert A. ; Siegmann, Rebekka ; Payne, Kevin A. ; Beuermann, Sabine ; McKenna, Timothy F. L. ; Hutchinson, Robin A.
The propagation kinetics and copolymerization behavior of the biorenewable monomer gamma-methyl-alpha-methylene-gamma-butyrolactone (MeMBL) are studied using the Pulsed laser polymerization (PLP)/size exclusion chromatography (SEC) technique. The propagation rate coefficent for MeMBL is 15% higher than that of its structural analogue, methyl methacrylate (MMA), with a similar activation energy of 21.8 kJ . mol(-1). When compared to MMA, MeMBL is preferentially incorporated into copolymers when reacted with styrene (ST), MMA, and n-butyl acrylate (BA); the monomer reactivity ratios fit from bulk MeMBL/ST, MeMBL/MMA, and MeMBL/BA copolymerizations are r(MeMBL) = 0.80 +/- 0.04 and r(ST) = 0.34 +/- 0.04, r(MeMBL), = 3.0 +/- 0.3 and r(MMA) = 0.33 +/- 0.01, and r(MeMBL) = 7.0 +/- 2.0 and r(BA) = 0.16 +/- 0.03, respectively. In all cases, no significant variation with temperature was found between 50 and 90 degrees C. The implicit penultimate unit effect (IPUE) model was found to adequately fit the composition-averaged copolymerization propagation rate coefficient, k(p,cop), for the three systems.
Toward the description and prediction of solvent induced variations in Methacrylate Propagation Rate Coefficients on the basis of Solvatochromic Parameters (2011)
Jelicic, Aleksandra ; Yasin, Muttaqin ; Beuermann, Sabine
Benzyl methacrylate (BzMA) propagation rate coefficients, k(p), were determined in ionic liquids and common organic solvents via pulsed-laser polymerizations with subsequent polymer analysis by size-exclusion chromatography (PLP-SEC). The aim of the work is to gain a deeper understanding of the solvent influence on k(p) and to develop a general correlation between solvent-induced variations in k(p) and solvent properties. Applying a linear solvation energy relationship (LSER), which correlates k(p) to solvent solvatochromic parameters, suggests that dipolarity/polarizability determines the solvent influence on k(p). To compare the solvent influence on BzMA k(p) with data for methyl methacrylate, hydroxypropyl methacrylate, and 2-ethoxyethyl methacrylate normalized k(p) data were treated by a single LSER, providing a universal treatment of the solvent influence on the propagation kinetics of the four monomers. Further, the predictive capabilities of this universal correlation were tested with additional monomers from the methacrylate family.
Azide-terminated poly(vinylidene fluoride) as building block for nanocomposite materials and block copolymers (2011)
Vukicevic, Radovan ; Schreiber, Ulrike ; Beuermann, Sabine
Block copolymers of poly(vinylidene fluoride) obtained via 1,3 dipolar cycloaddition (2011)
Schreiber, Ulrike ; Vukicevic, Radovan ; Beuermann, Sabine
Alkyne-azide coupling of tailored poly(vinylidene fluoride) and polystyrene for the synthesis of block copolymers (2012)
Vukicevic, Radovan ; Schwadtke, Ulrike ; Schmuecker, Simon ; Schaefer, Philipp ; Kuckling, Dirk ; Beuermann, Sabine
The synthesis of block copolymers consisting of poly(vinylidene fluoride) (PVDF) and polystyrene (PS) is reported. Firstly, a propargyl-functionalized alkoxyamine initiator (PgOTIPNO) was prepared and subsequently used for the preparation of a propargyl-terminated PS homopolymer of different chain lengths with low dispersities via nitroxide-mediated radical polymerization. A tailored PVDF homopolymer with iodine end groups originating from iodine transfer polymerization was transformed to PVDF with azide end group. Then, alkyne-terminated PS with different molecular weights and azide-terminated PVDF were joined together via copper-catalyzed alkyne-azide coupling. The block copolymers were characterized using H-1-NMR, F-19-NMR, IR, SEC, and DSC.
Poly(vinylidene fluoride)-functionalized single-walled carbon nanotubes for the preparation of composites with improved conductivity (2012)
Vukicevic, Radovan ; Vukovic, Ivana ; Stoyanov, Hristiyan ; Korwitz, Andreas ; Pospiech, Doris ; Kofod, Guggi ; Loos, Katja ; ten Brinke, Gerrit ; Beuermann, Sabine
The surface of single-walled carbon nanotubes (SWCNTs) was functionalized with azide-terminated poly(vinylidene fluoride) (PVDF). Functionalization was confirmed by dispersibility, Raman spectroscopy, and thermogravimetric analyses. Raman spectra show disordering of the SWCNTs, thus, strongly suggesting that PVDF was covalently attached to SWCNTs. Functionalized SWCNTs were mixed with commercially available PVDF in a twin-screw extruder and thin films were obtained by melt-pressing. Films containing 0.5 and 1 wt% PVDF-functionalized SWCNTs exhibited significantly improved electrical conductivity compared to PVDF films containing pristine SWCNTs.


This Multi-toned gold and crystal statement bracelet Apple Watch Band is available in 38mm and 42mm and also in the new Series 4 40mm and 44mm. This watch band fits all generations of Apple iWatch and is adjustable to fit most wrists.
This is a very sturdy watch band without any breakable elastic. This means that there will be slight movement in the band on the wrist when being active and may not give the most accurate reading. Please see our size description allowances for each band.
Sizing: This watch will come with removable clasp links to help you customize your fit. It will fit a wrist size 6.05 inches (17 cm) up to a wrist size 7" (17.5 cm) This can be made quite a bit larger if needed. Please specify wrist size in the notes section during checkout if you need a different size other than what is listed.
Your bracelet may vary slightly from the bracelet pictures. Due to sizing we may add or take away a link or ring.
The customer service is amazing here! I get so many compliments on my bands from here. I have two, and will be purchasing more! They are very high quality, and compliment the rest of my jewelry!
I love this band! I finally feel cute wearing my apple watch! I've even had my watch die, but put it on anyway since it makes the cutest accessory! They come with removable claps; the problem is that it's a little big with all of the clasps on, but too tight with it taken off. Even though it's a little big, it works great!


SF-based wealth management firm, Mercer Advisors, retained KNI to completely overhaul the firm's digital experience and transform it into a world-class execution befitting of the firm's successful AUM and client-base. The work also cascaded down from web into systematic overhauls of the company's wealth-coaching decks, which are instrumental in driving leads through event-based presentations and wealth coaching seminars that have proven to be a primary driver of AUM growth for the firm. Like many of our Wealth Management engagements, the project included KNI getting to have a lot of fun overhauling financial visualizations, and other custom infographic representations in both the website and the updated keynote presentations, resulting in a world-class customer journey and client on-boarding experience.


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A hospital chain has found a way of caring for both the young and the old by having them take care of each other – and in the process, built a bridge across generations.
The Intergenerational Learning Center consists of a preschool inside the Mount St. Vincent nursing home in Seattle, Washington.
The 400 adults in the assisted-living center join the kids in daily activities from music and dancing to storytelling and just plain visiting.
The Center's managers say the children learn from their elders and are nurtured by the adults while the invigorated seniors get a new sense of purpose and well-being from the playful tots.
Filmmaker Evan Briggs launched a Kickstarter page to finish a documentary about the place.
My daughter and I have often discussed the idea of combining homes for the elderly, homes for children, and pet rescue organizations. I think the combination could be beneficial for many.


SPECIALIST traders and demonstrations will be part of a North American-themed model railway exhibition at Arden School, in Knowle, on Saturday.
The event will run from 10am to 5pm and there will be at least 12 layouts. Refreshments will be available.
Admission at the door is: adults £4.50, seniors £3.50, children £2.50, family tickets £12, NMRA members £3.50. For further details visit www.ardenrail.co.uk.


We try where possible to enable patients to leave before 11am on the day of discharge.
When you go home your family doctor will be given details of your treatment and of any follow-up attention which you may need. It is important that you tell ward staff if you have changed your family doctor recently.
Please tell the nursing staff you are going before leaving the ward.
Give the duty nursing staff the address to which any correspondence should be forwarded.
If you have to come back to attend an Outpatient Clinic check the arrangements.
Make sure that you have collected any cash or valuables that you handed over for safe keeping, including pension books.
Ensure that you know what your transport arrangements are.
Make sure that you have collected all medicines and/or dressings which you need to take home. If you need a medical certificate for work then ask the ward staff to provide you with one.
Please check that you have not left any belongings in your bedside locker.
Arrange for a friend or relative to bring in suitable clothing for you to wear when you leave.
If you are at all worried about going home then please talk to your nurse who will be able to help you.
If you need a sick note after the first seven days of your illness please tell your nurse who will arrange this for you. Remember, you may also need one to cover you once you have left hospital, make sure that you ask for one before you go home.


text:
BABY BOX DELIVERIES START TODAY
Every child born in Scotland from today (August 15) will receive a baby box full of essential items from the Scottish Government.
Each box contains a large number of practical items that will help to promote health and tackle inequality. It also doubles up as a safe space for the baby to sleep, having been awarded British Safety Standard accreditation as a crib for domestic use.
Falkirk West MSP Michael Matheson said: "I'm extremely proud of this Scottish Government initiative, which will help Falkirk bairns to thrive in those vital early months and provide practical support to their parents.
"One of the many great things about the baby box is that feedback from families and healthcare professionals will be used to keep the contents under review, which will ensure that it perfectly meets the needs of newborns and their parents.
"This is a really worthwhile investment in our future generations and further evidence of the Scottish Government's commitment to give every child the best possible start in life."
Dr Catherine Calderwood, the chief medical officer for Scotland, added: "All the evidence shows that the early years are crucial for children's development. What happens then can be linked to outcomes much later in life.
"Over and above the practical benefits the items within the baby box provide, it also offers healthcare professionals a unique opportunity to introduce expectant parents to a wide range of health promotion information."


text:
Bekele Targets World Record Time On Dubai Return
If Kenenisa Bekele is to be believed – and who wouldn't? – come 08.30am Gulf time on Friday morning, January 20, he will be the world record holder for the marathon; which would mean that the 34 year-old Ethiopian would be the only man in history to consecutively hold the world records for 5,000 and 10,000 metres on the track, and 42.195 metres on the road.
By its nature, a world record is not an easy thing to achieve, or even to predict. And most athletes are loath to venture such a forecast. So when Bekele told the press conference for the 18th Standard Chartered Dubai Marathon here in the UAE this morning (Wednesday) that he was confident that he could beat 2.02.57 on Friday, there were more than a few raised eyebrows.
Until three months ago it seemed as if Bekele's latter-day marathon career was not going to match his earlier superlative efforts in cross-country and track running. But then, almost out of the blue, he not only beat former world record holder and Olympic medallist, Wilson Kipsang in the Berlin Marathon in October, he won in 2.03.03, just six seconds off the world record of Kipsang's Kenyan colleague, Dennis Kimetto.
So when you're talking to a man who has also won three Olympic golds, 18 world titles on grass, tartan and tarmac, setting a handful of world records en route, you lower the eyebrows and listen in, intently.
"The marathon needs a long time to develop, you need experience," said Bekele, referring to a no more than adequate introduction to the longer distance, which saw his best time after four marathons (in addition to a DNF here in Dubai two years ago) as 2.05.04, from his debut in Paris 2014. "After two years, I feel that I am a marathoner now," he continued. "This (Dubai) is a similar flat course to Berlin, and I think I can do better. I plan to run the world record.
"Of course, it's a race, so you can't say for sure, and it depends on the conditions. But I was very disappointed not to finish here two years ago. My plan in Berlin was to run a fast time. I was focussed on a personal best and the Ethiopian record (2.03.59 by his illustrious predecessor, Haile Gebrselassie). Here, Dubai is a fast course, I'm planning to run the world record, and I'm confident".
Asked about the extent to which the combat with Kipsang in Berlin produced his fast time, he said, "He was more experienced than me, and he knew the course. He helped me a lot. Without him, maybe I would have run 2.04 or faster. But I can run fast without him".
His manager, Jos Hermens concurs. Hermens, a former world record himself, for 20,000 metres and the One Hour, said: "We only waited a little while after Berlin, to see how Kenenisa recovered, before we decided to come to Dubai. He is quite confident that he can break the record. He's 34 now, he's got to take every chance".
If he does take that chance, it should increase his bank balance considerably, by around half a million dollars. Billed as the world's richest marathon, Dubai pays out $200,000 to the men's and women's winners with a $250,000 bonus for a world record. And though Race Director, Peter Connerton boasts that he doesn't pay appearance money, it's hard to believe that a few bob hasn't been added as incentive.
Connerton is hopeful that his efforts, which have seen the race go from 120 contestants in its year 2000 inauguration to 30,000 participants (admittedly mostly in the 10k) this year, will finally see the imprimatur of a world record.
"We've has some great races and super-fast times over the years," he said, "particularly since the Standard Chartered sponsorship began 13 years ago; and everyone in the Dubai hierarchy, from the royal family to the Dubai Sport Council to Dubai Holdings have been involved; and Kenenisa's friend and countryman, Haile Gebrselassie was foremost among them (with victories in 2008-10). But we're hoping that Kenenisa can finally put the icing on the cake for us".
Bekele himself admits that he won't be alone at the front, in particular his colleague, 2014 winner Tsegaye Mekonnen (2.04.32) is also expected to enjoy the impetus that the pacemakers will provide; another Ethiopian Dino Sefir (2.04.50) is also coming back to the form which took him to second here in 2012. He won in both Ottawa and Barcelona in 2016.
In the early days of women's official long distance running, Ingrid Kristiansen of Norway held the three records, 5000/10,000 metres and marathon, from 1986 to 1993. It is a measure of how much women's distance running has moved on that Friday's favourites and former high placers here in Dubai are not among the absolute world's best, but have run faster than the Norwegian's 2.21.06 in London 1985. But not by much! Shure Demissie has run 2.20.59, and her Ethiopian colleague, Meselech Melkamu has run 2.21.01.
By Pat Butcher


when I finished installing gentoo yesterday, my ifconfig still listed all my network devices (one ethernet, one wireless, usual lo). Today, it only shows lo.
ln -s net.lo net.my_interface_name. But, as far as I remember, this also still worked yesterday. I also downloaded and installed wpa_supplicant.
With a LAN-cable connected, I also cannot ping www.gentoo.org, or use emerge, so there really is no internet (today!).
In case this might be relevant: I shut down the computer via shutdown -hP now. Is that the correct way?
You can also get rid of net.* links and let dhcpcd configure your wireless and wired connections.
So, as I said, the devices are - for some reason - not found anymore.
because i think your network has just never work.
what you describe as yesterday working network should more probably be describe as "yesterday network was working in the chroot while installing because the livecd has configure it for me"
but having network working inside the livecd is not a proof you have properly configure it for your own gentoo.
the rawest example would be: livecd kernel could have proper drivers for your ethernet card, while your own kernel you have build inside the chroot may lack it.
I know what you mean, but I am sure that I rebooted and removed the LiveCD-USB stick before trying my system.
Also afterwards, I rebooted several times, and it still worked. Unfortunately, I cannot tell the exact moment when it stopped working.
Yes, sorry for my clumsy formulation. Also, I need to apologize: Your were right, some configurations in my kernel have not yet been activated. I thought I had. Well, now, I see everything which I wanted to see. I thought that it would be enough to choose "Atheros Devices" (as my WLAN is Qualcomm Atheros), but one actually also needs 802.11ac support. Similar thing with my ethernet, where r8169 is used.