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Donald Trump to appear on Dr. Oz, discuss health
FLINT, Michigan (AP) — Donald Trump on Wednesday handed over a one-page summary of his recent physical on a doctor's television show — but the campaign won't reveal what was disclosed.
Trump, ever the showman, appeared on "The Dr. Oz Show" in what was billed by the campaign as a discussion about his general well-being and his family's medical history. But reversing what aides had said earlier Wednesday, Trump handed host Mehmet Oz one-page of results from a physical conducted last week by his longtime physician, Dr. Harold Bornstein.
The show does not air until Thursday and the campaign declined to immediately disclose the results. But a release from the show said that "Dr. Oz took Mr. Trump though a full review of his systems" including his nervous system, cardiovascular health, prostate health and family medical history.
Both Trump and his Democratic opponent, Hillary Clinton, have been under increased pressure to release detailed medical records, especially after Clinton was diagnosed with pneumonia and was captured on video stumbling getting into a waiting van at a 9/11 memorial ceremony Sunday.
Bornstein had previously written a note declaring the 70-year-old Trump, if elected, would be the healthiest president in history. He later said he had written the letter in five minutes as a limousine sent by the candidate idled outside.
The campaigns of both Trump and Clinton, 68, have said that their candidates would be releasing detailed medical records in the coming days.
The appearance with Oz came hours before Trump was to visit Flint, Michigan to condemn the government failure which led to that city's water crisis. The city's mayor made clear she did not want him to come.
It's the Republican presidential nominee's first visit to the poverty-stricken city since lead was detected in its water supply in April 2014. He is expected to visit a water plant and a church while denouncing the crisis that affected 100,000 people after the city left Detroit's water supply and started using improperly treated Flint River water.
Trump's visit to Flint, like his one last month to flood-stricken Louisiana, is bound to produce images aimed at persuading Americans that the celebrity businessman can appear presidential. It also highlights his aims to compete in the industrial Midwest, thought polls have him down in Michigan, which last went Republican in 1988.
Flint Mayor Karen Weaver, a Democrat, condemned the visit, saying the campaign had not offered to help the city and his visit would be a distraction.
"Flint is focused on fixing the problems caused by lead contamination of our drinking water, not photo ops," said Weaver, who supports Hillary Clinton, Trump's opponent. Clinton visited Flint in February.
Flint was under state control in 2014 and Michigan's governor, Rick Snyder, a Republican, has come under scrutiny for his handling of the crisis. Trump has declared Flint's water problems "a horror show" and said "this is a situation that would have never happened if I were president."
The visit to Flint, where most residents are African-American, comes as Trump has increased his outreach to minorities. He has argued that Democratic policies have left inner cities impoverished and dangerous and has taken to asking voters of color "What have you got to lose?" in voting for him.
Critics say Trump paints an overly bleak picture of life in urban African-American communities, where crime has fallen and the life expectancy has risen in recent decades. Some black leaders have also suggested that Trump's outreach to minorities is mostly about proving to undecided white voters that he's not racist.
Weaver said she would be in Washington on Wednesday to lobby for federal aid. After months of Republican resistance, the Senate is moving ahead on a $10 billion water projects bill that includes $220 million in emergency funding for Flint and other communities beset by lead-contaminated water.
Clinton remained in her suburban New York home Wednesday as she continues to recover from pneumonia. She is expected to return to the campaign trail on Thursday. Next week, she plans to meet with foreign leaders next week at the U.N. General Assembly in New York, her campaign said Wednesday.


The vest that just screams fall! Our brown color is a best seller every year and we are so happy to now offer it in black! Throw on your favorite long sleeve top and a pair of jeans with booties to complete this autumn look!
-Plaid waterfall vest with side pockets.
-True to size. Model wearing a small.


The 10 Q/CD is ideally suited for firing fronts, however, any combination of single or multiple electric matches may be fired. The unit uses 1 'C' cell which powers both the continuity test and CD power source. This CD power source converts the 1.5 volts to 300 volts (rated at 8.7 joules).
The 10 Q/CD is housed in a 5" X 6" X 1.5" ABS enclosure with aluminum faceplate. On the top panel is a key lock switch for main power, and a DB25F for output. Also there is a mode switch "TEST/ARM"; "ON/OFF" power switch; "FIRE/OFF" switch with ready light; a 'push to test' switch with LED for continuity; and a rotary switch to select the desired cue.
We also manufacture the 10 Q/CD in a 1.1j model.


My name is Steve and I started Steven Oliver Photography, a Shrewsbury based photography company, and I have a passion to deliver high quality photography at fantastic prices.
I'm married and a father of 2 amazing children, with a broad spectrum of interests from music and motor sport to football, golf, camping and so much more.
I'd always loved the idea of photography, the ability to capture a single moment in time and preserve it; to raise a smile, provoke a reaction or allow others to remember a special time in their life. The opportunity to take the interest further came only a few years ago and I grabbed it with both hands.
I have taken business profile shots of local business men and women been a freelance supplier to the local press/websites attending many local events; and for pure pleasure some of the amazing scenery and landscapes on my doorstep.
If you have an event or the need for a photographer for a special occasion or profile update, and you like the images you see, please get in touch.


As your Oklahoma Professional Economic Development Council (OEDC) Chairman, I'd like to welcome you to our website where you will find information on economic development resources, policy, and legislative activity in Oklahoma. Our association works hard to promote education and professional development for our members, and advocates for smart economic development policy all around the state. We welcome economic development practitioners to join OEDC. If you would like more information on the benefits of membership, please contact Nicole Boyles.
Save the date! Stay tuned for agenda, registration and program details for this can't-miss event!


PHASE project was launched in 2011 in correspondence of the kick-off meeting for project presentation to the Executive Agency for Health and Consumers Office representative. The meeting was held in May 2011 in Luxembourg.
First year meeting was held in Rome in December 2011 for sharing results of the work during the 1st year of the project.
Second year meeting was held in Paris in May 2013 for sharing results of the work during the 2nd year of the project.
The final meeting was organized in Rome, 5-6 June 2014. The meeting was the opportunity to disseminate results to stakeholders of participating countries.


Flip Out Mama: Nordic Ware has my Heart.
Sorry Hubs. You're out. Nordic Ware is in. I am lovin' them. A lot.
Nordic Ware is a family owned, American kitchenware company based in Minneapolis, Minnesota.
Their products include kitchenware, bakeware, cookware, microwave and barbecue supplies.
But their most famous product, was and continues to be, the Bundt pan.
You probably have one of these in your kitchen, since 2 out of 3 American households own a Nordic Ware product.
I remember my mom using these when I was a kid. I wish that I would have been old enough for her to pass them down to me, because Nordic Ware pans are durable and made to last. They are actually perfect for passing down to future generations.
When Nordic Ware agreed to let me do a review for them, I fainted.
Okay, not really. But close.
I received the Zoo Friends Pancake Pan.
Oh My Goodness. Cutest. Thing. Ever.
Tater went crazy when he saw it!
This pan is really heavy (but not too heavy), when you pick it up you can tell that it is good quality.
You can make seven small pancakes at a time with this pan.
There is a giraffe, monkey, lion, rhino, hippo, elephant, and alligator.
I am so excited to use this pan! It is the most adorable thing ever, and I cant wait to make pancakes just like this for my boys!
Would you like to see a few of my other favorite things from Nordic Ware?
This is the Dinosaur Cakelette Pan. And look what it can do!
And look at what you can make with the adorable Brownie Bites Pan!!! Sigh. It's love.
I could really go on for hours showing you all the things I love about Nordic Ware, but I am making myself hungry.
A big thank you to Dana @ Nordic Ware for providing me with this wonderful pan, and my kiddies with pancakes that will make them smile!!!
Join Nordic Ware on Facebook and Twitter for updates about new products and promotions!
disclosure: I received a sample product in order to write this review post. Although a product was received, this in no way influenced my opinion of the product(s) or company, and no monetary compensation was received. Now instead of reading this disclosure, you should be looking at Bundt pans!
They have Nordic Ware at Williams-Sonoma and I am doing a W-S gift card giveaway right now! LOL. I love that Zoo Friends pancake pan. My kids would flip!


Bulgaria's pleasingly laid-back capital is often overlooked by visitors heading straight to the coast or the ski resorts, but they're missing something special. Sofia is no grand metropolis, but it's a largely modern, youthful city, with a scattering of onion-domed churches, Ottoman mosques and stubborn Red Army monuments that lend an eclectic, exotic feel. Recent excavation work carried out during construction of the city's metro unveiled a treasure trove of Roman ruins from nearly 2000 years ago, when the city was called 'Serdica'.
Sofia has been settled for many millennia. In honor of its hot springs, in the 8th century BCE the Thracian tribes settled here gave the city its first name – Serdika or Serdonpolis.
In the 1st century BCE, Serdika was captured by the Romans, who transformed it into a Roman city. During the reign of Emperor Marcus Ulpius Trajan (reign 98-117 CE), the city took his name, Ulpia Serdika, and became the administrative center of the region.
Serdika was the favorite city of Constantine the Great (reign 306-337), who said "Serdika is my Rome." In roughly 175, massive fortified walls, with four watchtowers were built to protect the city , and a second outer fortified wall was added during the 5th-6th centuries.
These remains are exhibited in the underpass connecting the Presidential Palace and The Ministerial Council, surrounded by shops selling traditional Bulgarian souvenirs and rosewater.
The Saint Sofia Basilica, founded during the reign of Justinian (reign 527-565), is one of the oldest churches in the capital. It was the city's major church during the Middle Ages, and under the Ottomans it was used as a mosque. Very close to Saint Sofia is The Memorial Church Saint Alexander Nevsky, now one of the city's most recognizable symbols. This church was built in 1912, and was designed by the Russian architect Alexander Pomerantsev.
Its bell tower rises to a height of 53 meters, and houses 53 bells, the heaviest weighing 10 tons. One of the most popular tourist destinations in Sofia, the church can hold roughly 5,000 people, and on important Christian holidays it is filled with believers.
There are two ski centers on Mount Vitosha to accommodate visitors to this very popular sports destination. They are Aleko and Konyarnika. Aleko is at an altitude of 1,800 meters, and its slopes face north. It also has facilities for night skiing. The Konyarnika Center is 1,507 meters high.
There are a total of 29 km of ski runs on Vitosha, and the longest is 5 km. The maximum vertical dro is 780 meters. The slopes are suitable for both experienced skiers beginners.
Bulgarian is the official language of Sofia.


The picture was created by Canon EOS 80d camera with shoot mode EF50mm f/1.8 STM - 50.0mm · ƒ/6.3 · 1/100s · ISO 250, gives a photo excellent quality. It was stored in the category "Beauty/Fashion", maximum dimension is 3002×1772 pixels, you can download it to JPEG format. We were tagged: Makeup Brush, Cosmetics, Makeup, Make Up, Eye Shadow.


**Description from Amazon: Nancy's mom says Nancy has too many tutus! But what happens when her class hosts a swap-and-shop and Nancy finds the perfect tutu?
**Description from Amazon: Nancy's mom says Nancy has too many tutus! But what happens when her class hosts a swap-and-shop and Nancy finds the perfect tutu?


I am seeking a challenging position as an ERP or Progress 4GL Developer in USA. My employment status: U.S. Green Card.
I have 15 years of experience in computer programming, analysis and design, 11 years in ERP and 10 years in Progress 4GL and MFG/PRO.
I am a fast learner and have excellent abilities for self teaching.
"Qualities: balanced, stress-tolerant, understands quickly, self-confident, determined."
"Strengths: Ability to understand, solve complex problems, ability to perform complex tasks and works well with the planner. Works quickly and efficiently, very good program quality and well structured codes."


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Sun, May 19, 2019 page1
Start-up secures purchase order at French tech show
By Lin Chia-nan / Staff reporter
A Taiwanese start-up developer of a positioning system for uncrewed vehicles has secured a US$5 million purchase order at a conference in France, the Ministry of Science and Technology said yesterday, expressing the hope that Taiwan and France will continue to deepen technological collaboration.
According to its Web site, the Viva Technology conference, which was held in Paris from Thursday until yesterday, attracted nearly 9,000 start-ups from around the world and 1,900 investors.
Deputy Minister of Science and Technology Hsu Yu-chin (許有進) on Wednesday led a delegation of 10 local enterprises to the biggest start-up expo in Europe, the ministry said in a statement.
Attendees browse tech company exhibition stands at the Viva Technology conference in Paris on Thursday.
Photo: Bloomberg
It was the first time the ministry set up a national pavilion at an important start-up gathering in Europe, it said.
The iTech team led by National Taiwan University Graduate Institute of Communication Engineering professor Mao Shau-gang (毛紹綱) secured the purchase order from a French electric car maker on the first day of the expo, the ministry said.
The team combined Mao's accumulated research on metamaterials and antennae with communication techniques and artificial intelligence (AI) to develop positioning systems for uncrewed aerial vehicles and self-driving cars, an institute newsletter said.
The delegation also included developers of a virtual-reality camera, an AI-based automotive assistant, a precise blood measurement technology and a driver fatigue monitoring system, the ministry said.
The ministry in June last year inaugurated the Taiwan Tech Arena incubator in Taipei, which has cultivated more than 100 start-ups, Hsu said at the launch of Taiwan's pavilion on Thursday.
France is Taiwan's second-largest technological partner and relations between the two nations have continued to deepen since President Tsai Ing-wen (蔡英文) took office in 2016, Representative to France Wu Chih-chung (吳志中) was quoted as saying by the ministry.
Taiwanese airlines purchased 14 A350 passenger jets from Airbus' France-based civil airplane business two years ago, 17 more aircraft last year and an additional 29 jets last week, Wu said, adding that Taiwanese and French start-ups are also expected to increase collaboration.
The delegation also received an invitation from the Luxembourg Ministry of the Economy and Foreign Trade to attend the global ICT Spring tech conference on Tuesday and Wednesday, the science ministry said.

redpajama_set_name: RedPajamaCommonCrawl


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Music » Homespun
Tech Supreme's Derrick Kilgore Has Found His Groove with EDM-Style Beats
by Christian Schaeffer
COURTESY OF THE ARTIST As Tech Supreme, Derrick Kilgore has moved from hip-hop to EDM.
As a self-professed comic book nerd and pop culture consumer, Derrick Kilgore is in his zone this spring. Game of Thrones is back on air after almost two years away, and the season's biggest film event — the final Avengers movie — is so important to him that he has an app on his phone counting down the minutes until the premiere.
"I didn't sleep the night the tickets went on sale because no one knew what time they would be released," Kilgore says. "I'm hardcore into it, have been my whole life."
But these days, Kilgore's life encompasses far more than just his pop culture obsessions. He's also a music producer, beatmaker and a podcaster.
His nerdy side comes out most strongly on the podcast, The 60 Minute Shit Show, which he produces bi-weekly with local comic book artist Benjamin Sawyer. On recent episodes the pair have opined on everything from rapper Nipsey Hussle's killing (and the conspiracy theories that surround it) to the culture's recent reckoning with long-standing allegations against Michael Jackson and R. Kelly.
For Kilgore, the podcast is an informal way to work through the glut of news and pop culture in this digital, social-media-heavy age. "We just get so much information constantly," he says. "You're going to absorb it, so this is a good way to talk about it and get it out."
Kilgore is an easy-going presence behind the mic, but music fans have seen a different side. As Tech Supreme, Kilgore is best known as a key collaborator with Tef Poe, the locally bred rapper and activist who came to national prominence through his advocacy following Michael Brown's death and the ensuing unrest in Ferguson. Together, the pair created much of the hard-edged palette that launched Tef from his native north St. Louis County to Tommy Boy Records and fellowships at Harvard University.
The fact that Kilgore and Tef (born Kareem Jackson) were roommates at the time helped their workflow, which Kilgore describes as "super organic" and a byproduct of working in close quarters. "When I did 'Out the Kitchen,' I was just making [the track], and he walked by and said, 'I need that. That's mine.' We just knew it was time to make music; we'd sit down and focus," Kilgore says.
But over the past year, Kilgore has transitioned from the style of music-making that brought him local and national recognition and toward purely instrumental tracks that fit in the wide realm of EDM, or electronic dance music.
"I kind of got away from hip-hop," he says from the courtyard of the Venice Cafe on an early spring afternoon. "I've been doing more electronic music with house, chill, downtempo, future bass and that type of thing."
As Tech Supreme, Kilgore released twelve instrumental tracks last year through Apple Music and Spotify, but his latest release, The Grooveland EP, is a more cohesive four-song set available on Bandcamp.
As the title suggests, The Grooveland is laden with laid-back vibes and a blissed-out air.
Its seeds were planted a few years ago when Kilgore attended the Electric Forest Festival in Michigan, a major event for EDM fans and musicians. "I saw Zedd perform and I just thought it was incredible, the musicality of it," he says. "I've always been a producer who plays music — I don't want to sample. I'd rather play it, and I felt that challenge to electronic music was so special and unique that I wanted to tap into it."
Kilgore has been producing long enough that he knows how to work with both the seemingly obsolete world of drum machines, samplers and synths alongside modern tools like Ableton and other digital audio workstations (he even teaches a twice-weekly music production class at a north-county middle school). But EDM showed him that his production did not have to exist solely as a backdrop for a lyricist's verses. It could stand on its own.
"In electronic music, one thing that I gravitated towards is the fact that these people are playing their music, their beats, in front of these huge crowds," Kilgore says. "And, like, most times there's no vocals, just beats — and I'm a beat producer. I love that idea, right?"
In a recent edition of the monthly Fresh Produce battle in the Grove, in which beatmakers square off in a good-natured competition of supreme sonic dopeness, Kilgore served as a judge before taking the stage alongside fellow producer Trifeckta. It was a moment where his new direction felt validated and embraced.
"It was wall to wall, shoulder to shoulder, just playing beats back and forth, and the crowd is just listening and dancing and enjoying it," he says. "That is the moment I make music for — that's literally the moment that makes me happy."


text:
McKinsey Global Institute
COVID-19: Making the case for robust digital financial infrastructure
January 26, 2021 | Article
By Olivia White, Anu Madgavkar, Tawanda Sibanda, Zac Townsend, and María Jesús Ramírez
Article (13 pages)
The pandemic has been a tough, real-life stress test for government disbursement schemes, highlighting opportunities but also gaps and vulnerabilities.
Governments worldwide reacted to the COVID-19 crisis with an outpouring of financial aid to businesses and individuals that was exceptional for both its size and the speed with which the disbursements were made. According to the IMF, fiscal measures announced globally amounted to $11.7 trillion, or close to 12 percent of global GDP, as of September 2020. As a result, the pandemic has served as a high-stakes, real-life stress test for the financial infrastructure in many countries, bringing into sharp relief critical gaps and opportunities as well as providing valuable lessons about how to improve efficiency and resilience for the future.
What determines how effectively the money is disbursed, for achieving the design ambitions of the program and delivering the funds rapidly to the intended recipients? This question has been drawing the attention of economic researchers, policy makers, fintech innovators and civil society watchdogs alike. Building on our pre-pandemic research on the economic impact of digital identification and digital financial inclusion, we studied a sample of 12 government economic disbursement programs for both individuals and small and medium-size enterprises (SMEs) in seven countries—Brazil, India, Nigeria, Singapore, Togo, the United Kingdom, and the United States.
Several findings stand out. First, we find that effective programs have three critical structural features of financial infrastructure: digital payment channels, the presence of a basic digital identification system with broad population coverage, and simple data on individuals and businesses that are tethered to the ID. When these features were present in country-level financial infrastructure, these programs could be optimally designed and delivered quickly. When one or more of these infrastructure features was not present, countries had to make trade-offs between the design ambition (the scope, scale, and specificity of beneficiaries targeted) of their programs and their delivery success (the speed, coverage, and fraud levels in rolling them out).
Second, we estimate that the potential economic gain from building robust digital financial infrastructure is about 20 percent greater now than it was before the pandemic. Before the COVID-19 crisis, we estimated the potential economic gain by 2030 from applying basic and advanced digital ID to a wide range of interactions between individuals and government and nongovernmental institutions to be in the range of 3 to 13 percent of GDP. Finally, the crisis has underscored the resilience and flexibility that a robust financial infrastructure for SMEs and individuals provides, and thus its importance as a critical tool for responding to unexpected and potentially catastrophic events.
We assessed the relationship between financial infrastructure and the performance of disbursement programs in their design ambition and how well they delivered
Government economic disbursements have assumed huge scale and complexity during the COVID-19 crisis, with emerging and advanced economies facing the challenge of supporting as many as 3.7 billion vulnerable individuals and 500 million micro-, small, and medium-size enterprises (MSMEs) worldwide both efficiently and urgently. In the unprecedented circumstances, program rollout has not always gone smoothly. Some programs providing grants or loans to individuals and small businesses have faced criticism because they were not sufficiently broad, not sufficiently inclusive, too slow, or hampered by fraud, among other reasons.
Government disbursements to individuals and businesses during the pandemic assumed huge scale and complexity. The crisis helped identify key elements to ensure successful and speedy delivery.
In our analysis of 12 COVID-19 support programs, we found meaningful patterns when we compared their effectiveness (on a limited set of criteria) with the structural elements of financial infrastructure they were able to use. Exhibit 1 provides a brief description of each program and an assessment of the country-level financial infrastructure available in our sample countries, measured on parameters of digital payment channels, digital ID, and data linked to digital ID. We also estimated specific program-level financial infrastructure for the 12 programs, using the same parameters. Finally, we compared country- and program-level infrastructure strength to the effectiveness of programs, considering both design ambition and delivery success, and using three indicators apiece to measure them.
Our measurement methodology
Our research is not exhaustive; it covers only seven countries and a subset of their disbursement programs. We selected countries that represent diversity across levels of income, availability of financial infrastructure, and types of government intervention in response to the pandemic. The programs we looked at fall into two categories: disbursements targeted directly at individuals, and disbursements and loans targeted at businesses (sometimes with the intent of supporting employees).
Across the seven countries and for each disbursement program we considered, we adopted a common metric to measure each aspect of financial infrastructure (at the national or country level and at the level of the specific program) and the program's design ambition and delivery success. We normalized the data across countries for each metric on a scale of 0 to 1, where 1 was the equivalent of universal coverage (where data pertained to a fraction of the population) or the maximum level we found (where data were absolute values, such as the different levels of disbursement in different countries).
For financial infrastructure, we assessed three attributes separately for individuals and businesses:
Coverage through digital payment channels: We used the percent of individuals or SMEs who had a bank account.
Presence of a basic digital identification system with broad population coverage: Unlike a paper-based ID, such as most driver's licenses and passports, a digital ID can be authenticated remotely over online channels. By basic digital ID, we mean one that enables digital verification and authentication with a high degree of assurance, meeting both government and private-sector institutions' standards for registration and subsequent civic and economic uses. We measured the share of individuals or SMEs with a basic digital ID, at the country and program level. For this, we measured the coverage of specific digital ID programs and included coverage where the means for legal identity verification exist (such as a social security number), along with some means for digital authentication, such as email passwords, that are used for online interactions. The latter is not strictly equivalent to full-fledged digital ID, which can be directly authenticated over digital channels.
Relevant data on individuals and businesses that are tethered to the ID: We took the percent of the population with advanced digital ID that also enables storing or linking additional information about ID owners, facilitating advanced data sharing, with informed user consent. Advanced digital ID typically has some relevant data tethered to it, such as, for example, occupation, age, family, disability, or income status to determine the level of individual need, and data related to business activities and payroll implications to assess the impact of COVID-19 on the SME, as well as bank information in both cases to make speedy disbursements.
At the country level, we looked at national coverage along these three parameters, while at the program level, we looked at the coverage of these features in the specific group targeted by the program. In some cases, we relaxed the definition of digital ID to reflect a program-specific workaround—for example, where disbursement programs were delivered through banks, we assumed that bank "know your customer" requirements were a sufficient means of digital identification at the program level, even if digital IDs were low or absent at the national level.
For the design ambition of each program, we assessed the scope, scale, and specificity of the program for individuals and businesses. We measured scope in terms of the percent of the country's adult population or SMEs targeted in the specific program. For scale, we looked at the amount of funds planned to be disbursed under the program as a percent of the country's GDP. Our measure of specificity was based on how variable the amount of payments of a given program were.
For the delivery success of each program, we assessed the speed of disbursement, fraud rates, and coverage of the target population, for individuals and SMEs. Speed was measured by the percent of the target population or applicant pool receiving funds within two weeks. For direct disbursements to SMEs, the two weeks were counted from announcement of the scheme to disbursement, while for SME loans, two weeks were counted from the application being made to funds being deposited. We assessed fraud rates for individuals and SMEs based on the search interest on Google Trends relating to each program's fraud. Finally, for coverage of target population, we counted the percentage of the targeted population or SMEs.
Because the sample of countries was geographically diverse, we relied on government data from each country or global data from a uniform source, where possible, to make comparisons meaningful. For instance, for the presence of financial payment channels, we used data from Findex and the World Bank; for the presence of digital ID and data tethered to ID, we used country-level data on basic and advanced digital ID adoption. Design ambition parameters were calculated based on country-level government data. For delivery success, we relied on government data and credible third-party reports as well as program-specific Google search trends as a proxy for fraud rates.
Note that our methodology necessarily has some limitations. We did not study the adequacy of disbursements relative to need. We acknowledge that there may be significant fiscal and other considerations that influence how much money is allocated to emergency economic and social transfer programs. For our GDP estimates, we focus on change in GDP value at stake from digital financial infrastructure during COVID-19 rather than on GDP itself, as we did not explicitly estimate GDP impact under current economic conditions and the associated range of forecasts. We acknowledge that the global impact of COVID-19 may have influenced the structural dynamics of global growth, but we did not consider this effect in our analysis.
It is important to note that our analysis is based on measurement of select parameters of disbursement programs in order to stimulate further thinking and action on how to make them more effective. It is not our intent to provide a formal evaluation of the programs, and we have not undertaken a comprehensive assessment of them. Rather, we relied on government reports on the amount and speed of disbursements, public audits where available, some studies conducted by NGOs, and, in the case of fraud, the level of public interest in fraud related to each program. Each of these is a proxy indicative measure of program effectiveness rather than a definitive evaluation (see sidebar, "Our measurement methodology").
Three structural features were critical success factors
The effectiveness of the 12 COVID-19 programs we analyzed depended greatly on the presence of the three structural features of financial infrastructure: digital payment channels, the presence of a basic digital identification system with broad population coverage, and simple data on individuals and businesses that are tethered to the ID. Where these features were in place to a large degree, interventions were more effective. Their design tended to be more ambitious and their delivery more successful. Without them, however, programs made trade-offs—sometimes large ones—between the design ambition of the program and its delivery success.
Interventions were more effective when three features of financial infrastructure were in place: digital payment channels, the presence of a basic digital identification system with broad population coverage, and simple data on individuals and businesses that are tethered to the ID.
Program-level examples illustrate these findings in Exhibit 2. We calculated each program's position on design ambition (Y-axis), delivery success (X-axis), program financial infrastructure strength (size of the bubble), and country-level financial infrastructure strength (shade of the bubble) by computing the average of metrics for each of these areas. We gave equal weight to each metric and converted the aggregate score to a scale of 0 to 1, setting 1 as the maximum achievable or observed level in our data set. The result is a set of broad indices that do not fully capture the nuances and challenges that agencies faced in designing and implementing disbursement programs under the pandemic's unprecedented circumstances. Yet these indices help convey the potential scope for improvement in outcomes as well as the link between disbursement success and the strength of structural foundations in financial infrastructure.
Programs leveraging strong financial infrastructure achieved higher program ambition and delivery success
Two of the programs had all three structural features of financial infrastructure in place, at least at the program level. This enabled them to meet relatively ambitious program goals and deliver funds with success.
Singapore's Job Support Scheme (JSS) targeted a large portion of national SMEs and channeled a substantial amount of fiscal disbursement to them. The program was rolled out in a rapid and streamlined form with reportedly low fraud levels. Funds were transferred automatically to eligible businesses in amounts calculated based on payroll, with no application process needed. This was made possible by the "CorpPass" digital ID system which assigns a unique ID to businesses linked to data on the SME's tax payment and employee wages from the government's myTax portal.
The Job Retention Scheme (JRS) in the United Kingdom used the system that collects income tax and national insurance, Pay-As-You-Earn (PAYE), to identify businesses and control fraud. The program aimed to cover up to 80 percent of furloughed workers' salaries. It reached all employers registered for PAYE, with some 28 million payroll workers enrolled, representing more than 80 percent of national employment. The PAYE reference number was linked to payroll and bank account information provided by the employer, which enabled streamlined rollout. Few cases of fraud were reported.
Programs using financial infrastructure but missing some structural features sacrificed either design ambition or delivery success
In some programs, delivery success was relatively strong, but at the potential cost of some limitations on program ambition.
India's Targeted Disbursement (TD) program was able to reach about 207 million women with Jan Dhan bank accounts and an additional 28 million elderly, disabled, and widowed beneficiaries, using data from its existing Aadhaar-linked Direct Benefit Transfer scheme. India was able to roll out the TD program rapidly, with some 40 percent of targeted beneficiaries receiving deposits within a day of the program launch in early April and 100 percent within two weeks. Nonetheless, the delivery experience could have been improved by addressing issues such as account dormancy, low use of online payment systems, and limited cash-out points in rural areas. In design ambition, lack of a universal national social registry and data limited the design ambition and scope of the program, which was focused on current beneficiaries of government transfers; for example, the needs of migrant workers were targeted through a separate initiative that introduced interstate portability of food ration benefits.
India's Emergency Credit Line Guarantee Scheme (ECLGS) targeted small businesses with government-guaranteed loans; more than three million MSMEs received disbursements within one month of the announcement and some six million as of November 2020. GECL leveraged the MSMEs' credit relationships with commercial banks and nonbanking finance companies because coverage under the digital ID program for businesses was relatively low, and credit relationships with regulated financial intermediaries were considered a reliable proxy for verification. However, this meant the program's ambit was restricted to MSMEs with those existing credit relationships. It was not able to target many of the country's 60 million microbusinesses that did not already have formal credit relationships, although this segment needed urgent credit and liquidity support, too.
In other programs that lacked some structural features of financial infrastructure, the design ambition was evident, but delivery success had some limitations.
In Togo's Novissi program, fortnightly cash transfers were disbursed to the mobile money wallets of informal workers, amounting to 30 percent of the minimum monthly wage each month (about $18 for men and $20 for women) for the duration of lockdown measures in their local area. While country-level infrastructure remains weak, program infrastructure is robust. Because Togo does not yet have a national digital ID program, the eligibility of enrollees to receive transfers was verified against the national voter ID registry that included data on occupation and place of residence, both targeting criteria for the Novissi program. (Togo has used biometric data for voter registration since 2007.) Residence in affected areas was also confirmed using mobile phone records. All informal workers were urged to register for the program, to ensure rapid payment as and when local lockdown restrictions were imposed. As of January 2021, Togo had registered 1.39 million people and paid benefits of $22 million to 580,000 eligible beneficiaries. The country intends to roll out a biometric digital ID card in 2021 to all eight million-plus citizens. The ID system will also serve as a new platform to support national projects such as a single social registry and universal health insurance.
The Paycheck Protection Program (PPP) in the United States was large in scope of the SMEs targeted, and disbursement was relatively fast for about two-thirds of applicants. However, many small businesses—including some high-need SMEs, such as minority-owned firms—were excluded or not prioritized because they lacked banking relationships. At the same time, the program has received public attention for instances of fraud; since May 2020, the US Justice Department has publicly announced charges in more than 60 fraud-related cases. The amount of fraudulently received loans associated with these charges is small relative to the size of the PPP program ($70 million in loans received by defendants versus total loans of over $525 billion). However, official estimates are not currently available for improper payments and error rates.
In some cases, both program ambition and delivery success showed limitations
Multiple programs showed lower scores for both delivery success and design ambition, although this is a matter of degree. The Bounce Bank Loan Scheme (BBLS) and the Coronavirus Business Interruption Loan Scheme (CBILS) programs were structured as loans, wholly or partially guaranteed by the UK government, and designed to make use of bank-level financial infrastructure. Both underscore the challenges of achieving the troika of widespread coverage, speed of disbursement, and low fraud rates in the absence of strong business identification systems with linked data. Disbursement decisions for the programs were made by banks, which had to authenticate and verify applications within program deadlines without the benefit of government digital records (for example, tax numbers and data). BBLS was designed to have an expedited application and disbursement process and achieved a 76 percent approval rate with about 90 percent of loans made to microbusinesses. Businesses self-certified their application documents, and lenders were not required to perform detailed credit or affordability checks. The program was found to have experienced significant risk of identity fraud, money laundering, and duplicative applications, among other issues. CBILS achieved lower levels of fraud, but through a stringent and lengthy underwriting process leading to a low approval rate of about 44 percent. This left many needy SMEs without support. Thus, the low fraud rates may have been at the expense of higher potential for impact by targeting more beneficiaries.
In the United States, the Economic Impact Program (EIP) was large in scope, aiming to pay more than 50 percent of the population, but more limited in targeting. For example, all individual Social Security recipients and tax filers earning less than $75,000 received the same amount. Delivery also met challenges, in both speed and coverage, as a result of partial reliance on paper checks and an incomplete list of eligible recipients. While more than 160 million individuals ultimately received a payment, only 90 million did so in the three weeks after the program began on March 30, 2020. On September 17, the Internal Revenue Service notified nearly nine million individuals who had still not received an EIP and were potentially eligible, supplementing significant outreach and public awareness campaigning that had been in place since March. Structurally, these people may be more likely to be lower income because they are not required to file federal income taxes.
The Emergency Aid (EA) program in Brazil was targeted at informal, unemployed workers, individual microentrepreneurs, intermittent workers, and women-led households. About 44 percent of the target population was automatically included, being registered in the country's poverty-alleviation program, Bolsa Familia, or in Cadastro Unico, the Unified Registry that contains data on more one-third of the population and is used for federal social programs. However, about half of all beneficiaries were not in the Unified Registry and did not have a digital ID; they were required to apply and register via an online platform. Those who did not have a digital financial account needed to open mobile savings accounts at a state-owned bank. Ultimately the program's rural coverage was high at 56 percent, while in the urban areas, the coverage was about 36 percent, but the lack of universal coverage under a digital social registry was a limitation. There have been reports of fraud, cybercrime, and payments made to mistaken beneficiaries.
Brazil's Emergency Employment and Income Preservation Benefit (EEIPB) program received lower scores for both design ambition and delivery success. It experienced delays because of a disconnect between business data and the digital ID system, which meant that applications had to be made manually. Additional delays were caused by numerous failures in the government portals through which employers had to submit applications. The program also reportedly experienced fraud in the form of duplicate applications, payments to individuals not covered under the scheme (for example, deceased workers and government workers), and employees with suspended contracts, among others.
Nigeria's National Cash Transfer program (NCTP) was built on a partial social registry, the National Social Register, of 2.6 million households, or 13 percent of the estimated 83 million people living below the national poverty line. Prior to the pandemic, about one million of these households were targeted for cash transfers under NCTP. In April 2020, the government announced a payment of four monthly stipends, 20,000 naira ($52) in total, to NCTP beneficiaries for January to April 2020, and said it would pay the same amount to one million additional households by expanding the registry. By September 2020, NST registration had been expanded to 4.7 million households. Data on actual disbursements are not available from government sources, but even the expanded number would fall short of the population living in poverty. The challenge is compounded by low financial inclusion (just 40 percent in 2017, according to the World Bank Global Findex database). NCTP is administered through a system of electronic credits to beneficiaries' virtual wallets, but since cash-out infrastructure is not readily available in many parts of the country, payment agents are engaged to run pay points where beneficiaries receive cash. According to a field monitoring study by the Africa Network for Environment and Economic Justice, beneficiaries in several states faced delayed disbursements due to limited availability of electronic payments infrastructure; people had to physically queue up at payment points, compounding infection risks during the pandemic. Cases of intimidation and unauthorized deductions were also reported. On multiple dimensions, Nigeria's example illustrates the challenges of reaching a large number of vulnerable people without the requisite digital financial infrastructure and data tools. This program is not included in Exhibit 2 due to limited data availability.
The COVID-19 crisis raised the potential economic value at stake from robust financial infrastructure by as much as 20 percent
In the seven sample countries, we quantified the economic value at stake from robust digital financial infrastructure in the pandemic, considering the full spectrum of COVID-19 fiscal disbursements, beyond the12 programs we studied. Our key finding was that the potential economic gain in these countries could be as much as 20 percent more than that possible through digital ID systems in the pre-COVID era.
This estimate builds on our previous research, which used historical trends in government disbursements and nongovernment financial transactions with individuals. We had estimated that countries potentially stood to gain between 3 and 13 percent of GDP by 2030 through reduced fraud, higher efficiency, and greater productivity if they achieved wide coverage of digital ID and broad adoption of digital ID–driven use cases by then. The potential varied by country based on the portion of the economy with bottlenecks that digital ID could address, as well as the scope for improvement in formalization, inclusion, and digitization. Depending on the country, between roughly 10 and 50 percent of this potential gain came from interactions between governments and their taxpayers or beneficiaries of transfers.
In response to the COVID-19 crisis, many governments sharply increased the level of government benefits paid to individuals and small and microbusinesses. This is a type of economic interaction that digital ID could improve, including by reducing levels of fraud by as much as 80 percent. If such heightened levels of government support were to persist beyond the pandemic, the total value of stake for these countries would be 1.05 to 1.2 times the level we earlier estimated. This estimate of GDP does not include additional benefits from reaching more vulnerable populations in times of most acute need. COVID-19 underscores that global failure modes are possible and could happen again within the next decade. This risk raises the need for countries to invest in robust digital financial infrastructure.
To calculate the potential, we assumed the level of disbursements seen during 2020 across all forms of government spending for individuals and small businesses would prevail. We estimated the economic value that would accrue through reduced fraud rates, better efficiency, and higher output that could be achieved if digital ID and related enabling financial technologies were in place. We compared this against our pre-pandemic estimates using the same methodology of the potential economic value of digital ID in 2030.
Extrapolating our estimates to other countries, we find a positive correlation between the increase in government disbursements during COVID-19 and the potentially higher economic value at stake from digital ID. Emerging economies have more to gain than mature economies in economic value for every percent of GDP spent in incremental disbursements (Exhibit 3). Mature economies also have a positive outcome, but the potential is less marked, perhaps because they start with more digital financial infrastructure in place.
Specifically, in our sample of seven countries, India and Brazil would see the highest incremental economic value at stake from using digital ID and financial infrastructure in 2030. Both countries had large potential for value creation before the pandemic—for India, up to 6 percent of 2030 GDP, and for Brazil, up to 13 percent. Both countries undertook significant additional government disbursements in response to COVID-19. In both countries, the value at stake we estimate has risen by a factor of roughly 1.2.
Incremental value at stake was more limited in the United Kingdom and the United States, as well as in Nigeria, rising by a factor of roughly 1.05. While the United Kingdom and the United States undertook large additional government disbursements, both had limited potential for value creation earlier, at up to 3 and up to 4 percent, respectively. Many processes are already digital in these economies, and improvement potential largely requires advanced digital ID programs that enable additional data-sharing features.
In Nigeria, which is more fiscally constrained, levels of government disbursement have risen only modestly during the crisis so far. Thus, despite Nigeria's meaningful potential for value creation from digital ID in use cases earlier, at up to 7 percent of GDP in 2030, the incremental value at stake from disbursements related to COVID-19 would be limited.
In Singapore, incremental value at stake was 1.1 times the level in "normal" times. While Singapore boosted levels of government disbursement by a factor of nearly 2.5, representing 44 percent of GDP, its economy is already highly formalized and digitized, and so its potential for value creation from advanced digital ID and financial infrastructure is relatively more limited, at roughly 3 percent.
Digital financial infrastructure can improve country-level resilience in crises and on an ongoing basis
Beyond the potential economic impact, investing in digital financial infrastructure can help governments protect their populations in other important ways with long-term benefits. Effective government support in times of need helps prevent extreme poverty, hunger, and inequality, among others. This cannot all be measured in GDP growth. Financial infrastructure is relevant for the effectiveness of broader national government programs in more normal times, as well as interactions between individuals and nongovernment institutions (Exhibit 4).
To build resilience to support businesses and individuals in potential future crises, governments should ensure that the three elements of robust financial infrastructure are in place. Doing so at the country level would provide much-needed flexibility and speed of response to the design and delivery of individual programs.
Governments would do well to undertake a clear-eyed assessment of their current level of digital financial infrastructure. Our research highlights the opportunities that are still to be seized in many countries by harnessing the digital financial tools available and rolling them out on a large scale so that they function well during even the most severe and sudden crises. In developing countries, the pandemic has strengthened the case for building robust payment, ID, and data systems to leapfrog conventional systems that typically cover a small proportion of individuals and businesses but leave the informal, micro, and small-scale parts of the economy and population out of reach. Advanced economies have high levels of overall ID and digitization that present opportunities for workarounds. But this can lull policy makers into a sense of complacency. For example, in the United States, widely held social security numbers along with reliable physical addresses and postal delivery systems suffice for support in "normal" times. But compared with the full suite of digital financial infrastructure, these fail to provide the same level of flexibility, targeting, and speed that are sorely needed in crisis times.
Our research highlights the opportunities that are still to be seized in many countries by harnessing the digital financial tools available and rolling them out on a large scale so that they function well during even the most severe and sudden crises.
Finally, even as advanced and emerging countries accelerate implementation of robust digital financial infrastructure, governments should remain mindful of potential new risks that large-scale digitization and provisioning for emergencies may bring. The principles of "good digital ID"—well-considered system design and policies that promote uptake by users, the mitigation of risks associated with large-scale capture of personal data or systematic exclusion, and guarding against the challenges of potential dual-use technology—are all the more valid in times of crisis.
Olivia White and Tawanda Sibanda are partners in McKinsey's San Francisco office, where Zac Townsend is an expert associate partner. Anu Madgavkar is a partner of the McKinsey Global Institute. María Jesús Ramírez is a consultant in the Silicon Valley office.
This work is based on our own research and draws on a partnership with Flourish Ventures, assessing the benefits of a modern public digital infrastructure. The authors wish to thank McKinsey colleagues Axel Domayer, Aluizio Goncalves, Scott Kaufman, Acha Leke, Diaan-Yi Lin, Deepa Mahajan, James Manyika, Michael McCarthy, Dan Stephens, and Alexis Yumeng Yang for their contributions to this article. They are particularly grateful for the valuable input from Kabir Kumar, director of Flourish Ventures. In addition, they thank Ruth Goodwin-Groen from the Better Than Cash Alliance, Abi Jagun from the Bill & Melinda Gates Foundation, and Nandan Nilekani, chairman and co-founder of Infosys and founding chairman of the Unique Identification Authority of India (Aadhaar).
Report - McKinsey Global Institute
Digital identification: A key to inclusive growth
Article - McKinsey Global Institute
Infographic: What is good digital ID?
COVID-19 has revived the social contract in advanced economies—for now. What will stick once the crisis abates?


text:
Young SA doctor and mum of two urgently requires funding for leukaemia drug
Kerryn Neilson Botes was diagnosed with a rare form of leukaemia. The drugs she needs to fight the disease are not available in South Africa.
by Caryn Edwards
Kerryn is a 31-year-old wife, mother and medical doctor who specialises in paediatrics. She has dedicated her life to helping others, and her vibrancy and enthusiasm for life are evident to anyone she comes into contact with.
In May 2017, Kerryn was diagnosed with T-cell acute lymphoblastic leukaemia, and she has spent the last nine months bravely fighting the disease.
The nature of her treatment has meant that she has needed to spend time in an isolation ward in hospital, unable to see her children, aged 4 and 9. According to her husband, Sheldon, the emotional toll that being in isolation has taken is equally as difficult as the physical effects of the chemotherapy.
Once Kerryn had completed her first round of chemotherapy, she was in remission. The family managed to find a stem cell donor in the US and everything was in place for a bone marrow transplant in December.
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Tragically, after five month-long chemotherapy cycles, the leukaemia returned. Following this setback, Kerryn has endured another three cycles of chemotherapy, but nothing has been successful.
Kerryn's medical team has exhausted all drugs available in South Africa, but there is hope. There is a drug available in the US called Nelarabine which is an extremely expensive chemotherapy drug, and which Kerryn's doctors believe can help her.
Kerryn's unwavering Christian faith enables her to believe that with medical intervention enabled through the kindness of her family, friends, and hundreds of strangers, she will be able to beat this disease.
Kerryn's husband, Sheldon wrote on the BackaBuddy page, "The section 21 application for MCC clearance has been submitted and once clearance is received we need to order the first cycle of Nelarabine on Friday."
Kerryn's family is appealing to anyone who is able, to make a contribution, no matter how small, towards paying for the Nelarabine.
All details are available on Kerryn's BackaBuddy page.
Alternatively, if you are a resident of South Africa, Kerryn's family is arranging some other fundraisers which you could get involved in. For more information, go to Kerryn's Leukaemia Fund on Facebook.
Tags: helping hand


text:
Emil Venere
Author of "Flying Saucers"
Contact Emil
Thanks #Nick Pope, but these are not 'prototypes' or 'experimental' aircraft!
https://warisboring.com/sorry-believers-many-ufos-are-just-military-aircraft/
The abundance of secret prototypes plying American skies gives plenty of cover to government investigators and skeptical outsiders whose impulse is to dismiss possible evidence of alien life. "That said, there are those in government—including, clearly, some of the intelligence officials who worked in the AATIP—who are prepared to think the unthinkable, and say that some of these things might be extraterrestrial," Pope said.
Nick, Nick, Nick: These are NOT prototypes, and they are NOT "experimental aircraft." They are clearly operational platforms that have existed for some time.
Posted in Uncategorized on December 27, 2017 by emilvenere. Leave a comment
Popular Science #UFO commentary touts #terrestrial hypothesis
https://www.popsci.com/ufo-aliens-military#page-3
As the New York Times wrote in another piece published last weekend, the U.S. government has been searching for extraterrestrial life on and off for decades. While some information remains classified, so far as we know, we haven't found anything particularly promising. A more likely explanation for the 2004 San Diego event could be that a government agency, deep within the United States military or the military of another nation, is simply working on new, mind-boggling technologies we're not privy to yet. Though it may feel like a less exciting rationale for the weird event, there's immense precedent. Much of the alleged alien activity of the past 80 years has ultimately been revealed as top secret government projects.
I vote U.S. military … we are the only nation with the ongoing, decades-long resources to field this sort of tech … oodles of black money going back to the 1960s … the biggest military budget in the world, by far … I would take it farther … we aren't "working on" secret tech … we have perfected it. These aren't so-called 'experimental' platforms; they are operational.
It's nice to see support for an alternative to the damn ET hypothesis, which has dominated the conversation forever!
Thanks #Neil deGrasse Tyson. You are so correct!
https://www.inquisitr.com/4697349/neil-degrasse-tyson-a-ufo-does-not-necessarily-have-an-alien-pilot/
Let me read between the lines. I think what he's saying is that the UFOs in question are likely from planet Earth. It's all about Uncle Sam, and it always has been, from the Washington UFO encounters in '52 right up to the present.
I guess the CNN on-air talent didn't understand what he was suggesting?
Popular Mechanics #UFO piece brings up major issue: USOs!
http://www.popularmechanics.com/military/a14456936/that-time-the-us-navy-had-a-close-encounter-with-a-ufo/
You know, this Popular Mechanics article brings up another really important issue related to UFOs, which I discussed in Chapter 23 of Flying Saucers.
From the PM article:
There are several interesting details about the sighting here. For one, there were clearly two unidentified objects. The first was a large underwater object that was "much larger than a submarine." For reference, the U.S. Virginia-class nuclear attack submarines are 377 feet long. The object also had some passing resemblance to a "downed airliner." This was technically a USO, or unidentified swimming object. Although much rarer than UFOs, such craft have been sighted over the years.
In my humble opinion, the Pentagon's above-top-secret space program is likely building huge structures on the seafloor, away from the prying eyes of satellite surveillance and far larger than could be fabricated in any hangar. They could assemble these things like giant Legos … perhaps building the individual segments on land, then transporting them to the ocean and then assembling.
That way, it would be possible to construct gigantic space structures. Because, after all, it is far easier to perform welding and other fabrication techniques in the ocean than it is in space. Then, once complete, these structures could simply be powered up and moved into deep space using field-propulsion technology. I suspect the propulsion system would be driven by a nuclear power plant similar to those used in nuclear-powered submarines
Incidentally, I believe the correct term is unidentified submerged object, right?
New #UFO revelations: Popular Mechanics, I think you've got it!
I vote door number two!
The second possibility is that the objects are actually operated by an arm of the U.S. government. Rumors of the federal government studying crashed UFOs or experimenting with secret technology have been rampant for decades, though with scant proof. If these were indeed secret U.S. craft, it is clear why they're being hidden. The Super Hornet was a top of the line aircraft in 2004 and yet the object easily out-maneuvered and out-accelerated it. If America's enemies mastered such technology, most (but apparently not all) of our armed forces would be defenseless against them.
Just say YES to #UFOS … and NO to aliens … the real conspiracy is on the verge of collapse!
https://www.washingtonpost.com/news/retropolis/wp/2017/12/18/the-government-admits-it-studies-ufos-so-about-those-area-51-conspiracy-theories/?hpid=hp_hp-more-top-stories_retropolis-652am%3Ahomepage%2Fstory&utm_term=.82b90e60f906
From the Washington Post article:
"We do believe that something did happen at Roswell," one source close to the investigation told The Post's Jack Anderson and Michael Binstein in 1995. "Something big. We don't know if it was a plane that crashed with a nuclear device on it . . . or if it was some other experimental situation. But everything we've seen so far points to an attempt on the part of the Air Force to lead anybody that looks at this down another track."
Well, well, well … are people finally starting to catch on? I vote "other experimental situation."
We're talking about a 70-year-old conspiracy that's just about to come crashing down.
Because, remember: Conspiracies are created and maintained by human beings. Human beings are fallible, sometimes catastrophically so. Hence, conspiracies are fallible.
And, did I mention, it's all in Flying Saucers?!
Thanks Politico, New York Times, for #UFO expose: but these are not alien …
https://www.politico.com/magazine/amp/story/2017/12/16/pentagon-ufo-search-harry-reid-216111
I fail to see ANY MENTION of the very real possibility that these vehicles are of U.S. origin and the reason the program funding ended was because revealing this program represents a threat to national security.
"Was this China or Russia trying to do something or has some propulsion system we are not familiar with?" said a former staffer who spoke with POLITICO on condition of anonymity.
Or, duh … are they of U.S. origin?!
The answer is in Flying Saucers!
Why 'internal opposition' to #UFO program? Answer: The UFOs are U.S. military!
Yet another article about the recent UFO revelations:
https://www.bostonglobe.com/news/nation/2017/12/17/are-ufos-real-the-pentagon-tried-find-out/3T77zzg5lIbA3qIRvA21cI/amp.html
But Elizondo said the only thing that had ended was the effort's government funding, which dried up in 2012. From then on, Elizondo said in an interview, he worked with officials from the Navy and the CIA. He continued to work out of his Pentagon office until this past October, when he resigned to protest what he characterized as excessive secrecy and internal opposition.
There is one very plausible explanation for this "internal opposition" to the program: It threatened to expose a 70-year-old conspiracy in which the U.S. military has built and perfected a fleet of above-top-secret field propulsion vehicles.
It's all in Flying Saucers.
#Harry Reid, #UFO revelations and underwater construction activities
Additional thoughts about the recent reporting:
https://www.nytimes.com/2017/12/16/us/politics/unidentified-flying-object-navy.html
Then, Commander Fravor looked down to the sea. It was calm that day, but the waves were breaking over something that was just below the surface. Whatever it was, it was big enough to cause the sea to churn.
Analysis: Well, it's fairly obvious that we (the United States) is engaged in underwater construction activities and that these activities are associated with the UFO phenomenon.
Specifically: It would be possible to construct HUGE aircraft and spacecraft on the seafloor, away from the prying eyes of satellite surveillance. These modular structures way too large to build in standard hangars without the danger of public exposure. The modules could be built on land and then transported to the ocean, where they would be welded together.
When completed, these vehicles could simply be lofted into space during the cover of night. The result: instant space stations far more sophisticated than anything constructed with conventional methods.
At any rate, it's all in Flying Saucers.
The #UFOs pose no threat to U.S. pilots because THEY ARE OURS!
Another article about #Harry Reid's UFO program, this time from the Washington Post:
https://www.washingtonpost.com/world/national-security/head-of-pentagons-secret-ufo-office-sought-to-make-evidence-public/2017/12/16/90bcb7cc-e2b2-11e7-8679-a9728984779c_story.html?hpid=hp_hp-more-top-stories_ufos-750pm%3Ahomepage%2Fstory&utm_term=.88c257ab2870
"Despite overwhelming evidence at both the classified and unclassified levels, certain individuals in the [Defense] Department remain staunchly opposed to further research on what could be a tactical threat to our pilots, sailors and soldiers, and perhaps even an existential threat to our national security," Elizondo said in the letter, a copy of which was provided to The Post.
They pose NO THREAT because they are the result of an above-top-secret U.S. military program that has existed for 70 years.
Question: Why did the feds cut off funding to the program? Answer: because revealing the existence of this program poses a grave national security threat.
When will people start giving serious credence to the terrestrial hypothesis. Answer: never?
Ah, but it's all in Flying Saucers!
Navy has 'briefing slides' of Tic Tac UFOs, secret video
Are those Tic Tac UFOs nuclear-powered 'black' projects?
Will new Space Force have squadron of Tic Tacs?
Pentagon has super-advanced propulsion tech, says retired AF general
War Zone article points out Navy UFOs could be exotic Pentagon tech
Vinny on Epoch Times article, Nick Pope…


Like new cul-de-sac home in desirable East Cobb! Minutes from Marietta Square & I-75. Main floor boasts open floorplan w/ upgrades galore: custom built-in cabinets in living area, chefs kitchen w/ upgraded cabinetry + double oven +gas range + stainless steel appliances, and hardwoods throughout. Room on main serves as sitting rm/office OR guest rm with closet! Upstairs find 4 addtl bedrooms including master with ensuite bath & oversized closet. Basement fully studded & ready to finish. Backyard recently fenced.


And yet again, we say goodbye to another classmate of ours, Ricardo V. Manuel, who has joined his creator in heaven. Ric's death was confirmed by his son, Exequiel, who told us his father passed away last January because of a lingering illness.
The last time we saw Ric was in 1988, when we celebrated our section's 10th anniversary in Matabungkay, Batangas. He then moved to Puerto Princesa, Palawan, with his family.


As 2016 comes to a close, we've noticed an elevated trend in monochromatic bathroom design. This has come with the rise of minimalism; living a simple live with less clutter and visual noise.
If you have a small bathroom with very little natural light, it's recommended that you choose lighter and brighter colours to dominate the room to maximise the little light you have. White wall-to-floor subway tiles with black grout are a massive bathroom trend. The clean pattern it creates is visually stimulating without being overbearing.
If you have plenty of natural light, darker bathrooms can also be an option as the room won't appear cave-like. Dark tiles when set wall-to-floor create a bold modern look.
Whether you're changing or keeping your current tiles or wall colour, it's important to consider your bathroom canvas before you start decorating.
Hotel Luxurious? Bold Masculine? Light Feminine?
Creating an atmosphere is what's going to dictate your design decisions from your choice in vanity to the towel rails.
For example, if you want a luxurious hotel atmosphere in your bathroom you may include choose marble basins and heated towel rails.
If you want a sophisticated bachelor pad atmosphere in your bathroom, choosing matte black square tapware, showerheadstowel hooks will help complete your bold masculine design.
An light feminine choose pieces with curved edges and black accents such as centrepiece freestanding bath and large mirrors.
When you decide on the feeling of your monochrome bathroom this will help you plan how much black or white colours and textures will create the desired look you're after.
To achieve a chic monochrome bathroom, find a balance between your light and dark features. Look at your large key features that you want in your bathroom and contrast them.
Black freestanding baths are definitely a sensational trend in bathrooms this year. They look absolutely luxurious in home improvement magazines, interior design blogs and on renovation TV shows. However, as much as you love them, consider the space and practicality in your current bathroom space before you buy one.
If you love a certain look, consider what's practical in your bathroom space. If there's a particular product you want, especially if it is bathroom furniture such as a bath, get advice before you make the investment. Liaise with our friendly bathroom specialists at Fontaine if you'd like an unbiased design opinion and/or a plumber if necessary.
If you want to turn up the drama in your monochromatic bathroom, consider adding another element to create a triage of colours and textures.
Popular choices are timber accessories. Timber is a natural fibred texture which will compliment and also break up your neatly planned black and white look while also injecting warmth. Adding timber to your bathroom is good luck according to feng shui.
You can create this look by ordering your vanity with a timber top or as simply as adding a stylish timber bath caddy or storage ladder.
Also consider: bold artwork, colour block towels and indoor plants.
Browse various home improvement blogs and look at our Pinterest for more inspiration. Observe how others match and contrast different features in their bathrooms and consider how it would work for your space.


This year's budget delivers more than $2 billion for key Coalition commitments in natural resource management and environmental initiatives across Australia.
Minister for the Environment, Greg Hunt, Minister for Agriculture, Barnaby Joyce, and Parliamentary Secretary to the Minister for Agriculture, Richard Colbeck, said that in line with the Coalition's election commitment, the National Landcare Programme will now be delivered in partnership with the Green Army and the Working on Country programmes.
The Government will invest more than $2 billion over four years to manage our natural resources through the National Landcare Programme, the Green Army, Reef 2050 Plan, Working on Country, the Land Sector Package and investments in the Great Barrier Reef Foundation.
Minister Hunt said the National Landcare Programme will consist of a national component and a regional component.
"The national component will deliver on key election commitments including the 20 Million Trees Programme, Coastal River Recovery Initiatives, Cumberland Conservation Corridor, Whale and Dolphin Protection Plan, Kimberley Cane Toad Clean Up and the Dandenong Ranges Wildlife Recovery," Minister Hunt said.
Minister Joyce said that the regional component will be delivered through 56 regional Natural Resource Management organisations across the country and will have a strong focus on community engagement in setting priorities and delivering projects.
"Reforms to the National Landcare Programme will put the Landcare community back at the centre of land management programmes that will encourage partnerships with Green Army and Working on Country projects," Minister Joyce said.
Senator Colbeck said local Landcare groups will be key beneficiaries of the overall increase in funding towards natural resource management initiatives.
Landcare groups will be able to sponsor Green Army projects to deliver meaningful environmental outcomes on public and private land throughout Australia.
"The Coalition has a long and proud history of supporting local communities' land management efforts and the initiatives we have outlined continue this support," the Ministers said.


text:
Achievements for 2019
Russian Science Foundation was established on the initiative of the President of the Russian Federation to support basic research and development of leading research teams in different fields of science. Legal status, powers, functions, proprietary rights and governance of the Foundation are determined by the Federal Law "On the Russian Science Foundation and Amendments to Certain Legislative Acts of the Russian Federation."
To achieve its goals, the Foundation selects science and technology programs and projects that fall under certain propriety categories, and does so on a competitive basis. Among these priorities are basic research initiatives by research groups or individual scientists, or members of the higher education teaching staff; development of scientific organizations and institutions of higher education, creation of world-class departments and laboratories in scientific organizations and educational institutions, development of experimental facilities for scientific research.
The governance structure of the Foundation is set up by the Federal Law: Supervisory Board, Management board and Director General. The Federal Law sets out a procedure for formation of these bodies as well as defines their authority. In order to provide the Foundation with the necessary expertise, the Federal law provides for creation of Review Panels acting as advisory bodies of the Foundation. Control over financial and economic activities of the Foundation is exercised by the Audit Committee of the Foundation. In accordance with the Federal Law, Russian Science Foundation submits the annual report for consideration of the President of the Russian Federation and the Government of the Russian Federation.
6 year results
Funded projects and programs
Supported scientists
Supported scientists under 39 y.o.
Reporting publications
Publications in Wos CC
₽ 102 bln
Special Status
The Russian Science Foundation was founded by the decree of the President of the Russian Federation in November 2013, and its activities are regulated by a special federal law. The RSF is not a budgetary organisation. The Supervisory board chaired by the Aide to the President Andrey Fursenko consists of 15 members represented by leading scientists, academicians of the Russian Academy of Science, representatives of legislative and executive bodies.
Large Grants for Basic and Exploratory Research
The core activity of the RSF is funding basic and exploratory (problem-oriented) research through a variety of programmes. The funding for programs and projects is based on a rigorous competitive selection process. The RSF research grant program provides sufficient financial support ranging from 2 to 150 million rubles, which creates a comfortable environment for scientists and allows to conduct research without seeking supplementary funds. The researcher awarded undertakes the responsibility to publish the research results in the peer-reviewed international journals with high scientific impact. The quantity of such publications is specified by each researcher in the grant application documents. According to the RSF rules, a researcher may lead no more than one active RSF project, which allows us to engage a greater number of researchers and increase competition for funding.
Long-term research funding programmes
A research grant can be awarded for any period ranging from 2 up to 7 years, which provides sufficient funding without the need for additional funds.
Due to the special legal status of the RSF, we can transfer the funds unused by RSF or by our grantees to the next financial year without returning them to the budget.
Wide spectrum of fields of science
RSF provides funding in 9 research fields: mathematics, computer science and systems science; physics and space science; chemistry and material science; biology and life science; basic research for medicine; agricultural science; geosciences; humanities and social sciences; engineering. Each of these general research fields is comprised of the more specific sub-fields. In total, more than 600 branches of knowledge are on our classification list.
Best research projects awards
The funding decisions are made by the independent and credible expert councils consisting of the leading scientists. RSF sets high standards for the merit of the project leaders willing to apply for grants. The chief merit is a researcher's academic reputation supported by the publications in peer-reviewed journals with high scientific impact.
The confidence of scientists in their future
The recipients of RSF grants enjoy a stable long-term prospective for their research with all necessary financial support provided for their significant research contribution to the global science, to the Russian economy and society.
Young researchers support
RSF strengthens support of young researchers contributing to the formation of the excellent future workforce in science. By our rules not less than half of the research team should be composed of the young researchers aged under 39 years.
Crashing research bureaucracy
The organizations, which are the research basis of the winning projects proposals, are awarded with RSF grants. We strive to protect the researchers from the institutional tyranny. RSF set a maximum limit on the overhead costs can be spent by the organization (in 2016 - not more than 10% of the total grant amount). We work to improve the efficiency of the non-research-related work of the scientists. RSF developed an advanced automated system for filing the applications that virtually eliminates the possibility of incorrect application data input. We also adopted a two-stage reporting system for the projects results, which minimizes the reporting efforts for the scientists.
Competent review of the research projects
With the assistance of the research community we formed expert councils for research projects and for research programmes. We strive to constantly improve our review system through the regular rotation of the council members and through the collaboration with foreign reviewers. Now our peer-reviewers database includes more than 6 000 professional researchers from around the world. The review of the projects is carried out in several stages, and the funding decisions are made by the scientists themselves supported by the competent members of the expert councils.
Progress monitoring and quality control
RSF monitors the implementation of the projects awarded. This monitoring is carried out by the control of the grant expenditures and by tracking indicators of scientific performance. The scientific review of the research results is performed by professional reviewers as well as by the members of the RSF expert councils. The projects found to be not in line with the obligations related to the grant may face warning, funding cuts or a complete closure of the project. The team leaders of these projects closed due to the failures found in the course of the monitoring, will be banned for a certain period to participate in the further RSF calls for proposals.
Transparency for the research community and citizens
RSF developed an open database of the projects funded. Every internet user can access it to see the annotations of the projects supported and what research results are anticipated. We ensure copyright protection for the rights holders.
Grand research challenges
RSF highlights the importance of research in ensuring sustainability of the country, the competitiveness of the economy and the high quality of life. Based on that understanding, we identified a number of priority research areas that should concentrate the attention and efforts from the government, business and society. New agricultural technologies, Restorative, regenerative and adaptive medicine, advanced quantum communications and computing, neurosciences etc. are among these 12 priorities.
New forms of communication with researchers
We interact with our grant recipients, experts and the research community on the constant basis. This communication is represented by a wide range of activities such as thematic seminars and webinars for the thousands of interested stakeholders scattered all over the country.
109992, Russian Federation
Moscow, Solyanka str., 14/3
© 2021, «Russian Science Foundation». All rights reserved.


Latest updates about Infiniti. You can get official details, press releases, photo galleries, test drives, specs, videos, and sales ads of a new or second-hand Infiniti vehicles. You can also scan the starting price of the Infiniti model that you want.
Infiniti's lineup for the 2016 Los Angeles Auto Show is nothing short of incredible!


text:
Q: Problem about Background transparent .png format OpenCV with Python I'm studying on OpenCV with Python. I tried to change a color of picture in PNG format, but I have got some problem with PNG background (The image has transparent background).
When I change it to grayscale, the background has changed to black -- my picture is not transparent anymore. What I desire is to keep the transparent background of picture.

Original image:

My code:
img = cv2.imread('line.png',cv2.IMREAD_UNCHANGED)
cv2.imshow('line',img)
cv2.waitKey()

Output image:

Desired output:

The white color around the border image should be transparent. How I can do this?

A: You have to add a fourth channel in your array so that the transparency information can be encoded in the alpha channel.
Here is a python code example:
import cv2
file_name = "source.png"

src = cv2.imread(file_name, cv2.IMREAD_UNCHANGED)

# Save the transparency channel alpha
*_, alpha = cv2.split(src)

gray_layer = cv2.cvtColor(src, cv2.COLOR_BGR2GRAY)

# ... Your image processing

# Duplicate the grayscale image to mimic the BGR image and finally add the transparency
dst = cv2.merge((gray_layer, gray_layer, gray_layer, alpha))
cv2.imwrite("result.png", dst)

Result for grey image:

Result for BGR image:

A: First, let me mention that if you display an image with alpha transparency using cv2.imshow then the transparent areas are going to be black.

Since your input image already contains an alpha channel, the solution is simple -- just reuse the alpha channel.
There's a slight problem -- even though PNG format allows to have grayscale with alpha channel, AFAIK there is no way to write such an image with OpenCV.
Therefore the solution is straightforward: Take the processed grayscale image, convert it back to BGR, add the original alpha channel, and save the result.
Since we're in Python, and therefore the image is represented as a numpy array, we can use array indexing to extract the channels we need. numpy.dstack allows us to add the alpha channel easily.

Sample code:
import cv2
import numpy as np

src = cv2.imread('51IgH.png', cv2.IMREAD_UNCHANGED)

bgr = src[:,:,:3] # Channels 0..2
gray = cv2.cvtColor(bgr, cv2.COLOR_BGR2GRAY)

# Some sort of processing...

bgr = cv2.cvtColor(gray, cv2.COLOR_GRAY2BGR)
alpha = src[:,:,3] # Channel 3
result = np.dstack([bgr, alpha]) # Add the alpha channel

cv2.imwrite('51IgH_result.png', result)

Result:

Once more on different background, so you can see it's really transparent:

redpajama_set_name: RedPajamaStackExchange


Did you know that over the past year, nearly 10 percent of the entire swine population in the US has been wiped out by a highly lethal virus? The virus, called Porcine Epidemic Diarrhea virus (PEDv), has been—at least in part—traced back to pig's blood used in piglet feed.
On June 5, US Secretary of Agriculture Tom Vilsack announced that a federal order has been issued, requiring swine farmers to notify the US Department of Agriculture (USDA) if they suspect PEDv on their farm. The USDA is also allocating $4 million for research, and the development of a vaccine against the disease.
Dried blood plasma is a relatively new pig feed ingredient, described as a "unique protein source for early-weaned pigs" in a paper1 on swine nutrition by Professor Gary Cromwell.
"Most of the dried plasma is produced by American Protein Corporation, whose headquarters are in Ames, Iowa. This company collects and processes blood from a number of large hog slaughter plants throughout the country.
At these plants, blood is collected in chilled vats and transported by insulated trucks to processing plants where the plasma is separated from the red blood cells. The plasma is then carefully spray dried.
It is then shipped to ingredient suppliers and feed manufacturers throughout the feed industry for use in pig starter feeds. The red blood cells are also dried and shipped to ingredient suppliers and feed manufacturers."
It appears this may be yet another example of the inherent dangers of the factory farm model, and why the "cannibal" solution, i.e. feeding animal parts back to the same species of animal tends to be a bad idea.
As you can see, the factory feeding model involves the mixing of animal parts (in this case, blood) from a large number of animals, which is then fed to large numbers of animals—the meat from which in turn are again mixed together in large processing plants, before it's ultimately sold in grocery stores across the nation.
All this mixing and cross-contamination allows for pathogens to contaminate huge amounts of food products, and is the reason why a single food contamination can affect people across multiple states—or in this case, animals across multiple states, even without direct contact between affected farms.
"Swine veterinarian Bill Minton thought the baby pigs dying at a farm in western Ohio had a bad case of gastro-enteritis and was stumped when lab results came back with no indication of what had killed them.
It took nearly 30 days – and hundreds more pigs dying in five other states - for Minton to learn the farm was ground zero for a virulent, fast-spreading virus that had never been seen before in the United States."
It's worth noting that there are no interstate or trade restrictions in place within the US pertaining to PEDv.7 It's also not considered a food safety concern, for the fact that it is not transmissible to humans. Still, the fact of the matter is that agricultural overuse of antibiotics have rendered a whole host of pathogens immune to these lifesaving drugs, and continuously promote the mutation of pathogens into ever more virulent strains. Disease promulgation is a major problem inherent of the factory farm model, period.
Besides antibiotic overuse, which now poses a MAJOR human health threat, confined animal feeding operations (CAFOs) also promote diseases that simply would not occur in the organic model, through the wholly unnatural diets used in the CAFO setting. Using pig plasma and pork meal9 in CAFO pig feed effectively turns these pigs into cannibals—a practice that has a tendency to create problems.
Mad cow disease is another perfect example of this. One of the primary ways mad cow disease is transmitted is when cows are fed bone meal and waste products from other cattle infected with the disease. As a result, it's now illegal to feed beef-based products to cows.
Alas, the beef industry circumvents this rule by using a feed product known as "chicken litter," and that too can introduce this devastating disease into our food system. How's that, you ask? Mad cow disease is still a factor when using chicken litter because this rendered down mix of chicken manure, dead chickens and feathers, is also comprised of nearly one-third spilled chicken feed, which includes cow meat and bone meal used to feed the chickens—the very ingredients that are supposed to be off limits for cows.
"A Texas man has died after eating meat from a 'mad cow,' making him the fourth person in the United States known to have contracted the ultra-rare form of Creutzfeldt-Jakob disease... Mad cow is considered an infectious disease, but it's not caused by a virus or bacterium. Rather, it's thought to be caused by an abnormal protein. The wayward protein, known as a prion, causes sponge-like holes in the cow's nervous tissue – a condition formally known as bovine spongiform encephalopathy.
If a human eats beef containing the rogue protein – likely contaminated with parts of the cow's nervous system – the human's prion proteins take on the same harmful properties, causing a degenerative, fatal brain disorder known as variant Creutzfeldt-Jakob disease, or vCJD."
It's important to consider the source of any meat you buy. Virtually all of the meat and poultry (beef, pork, chicken, turkey, etc.) found in your local grocery store comes from animals raised in confined animal feeding operations (CAFOs). If it wasn't raised in a factory farm, it will typically bear a clear label stating it's "grass-fed" or "USDA 100% organic."
Large-scale factory farming is the cheapest way to raise meat, thereby allowing for the largest profits. But the ultimate price is high, as there's a complete disregard for human health, the environment, and the ethical treatment of animals in this model. I've briefly mentioned that the routine use of antibiotics has led to the rapid rise of antibiotic-resistant superbugs that now threaten human life. Indeed, this is not to be taken lightly. According to a landmark "Antibiotic Resistance Threat Report" published by the CDC,11 2 million Americans become infected with antibiotic-resistant bacteria each year, and at least 23,000 of them die as a direct result of those infections.
For a quick review of the hazards of CAFO's, please take a few minutes to watch the video above. It's important to realize that the factory farm system is NOT a system that ensures food safety and protects human health. On the contrary, it makes the food system far more vulnerable to pathogenic contaminations that have the capacity to kill. Processing plant (i.e. plants where meat is cut or milk is pasteurized, for example) are primary culprits when it comes to the spread of pathogens.


Because not every album has to be a scathing attack on today's socio-political affairs or an exploration of your every feeling, the French dudes that make up Lame Shot put together a 10-song album called 'Try Again' that's all about having a good time.
Whether singing about their love for Zooey Deschanel, their orange van or their childhood memories, Lame Shot always do so with plenty of zeal, energy and catchy melodies. If you are into the likes of Nerf Herder, early Blink-182 and The Copyrights, you will find plenty to love on here. Especially on the horn-enhanced 'Last Day Of Summer' or the very singalong-y title track.
Try Again by Lame Shot !


text:
Morrisons — Remove, Reduce, Reuse, Recycle
Identity Signage Print
We worked in partnership with supermarket chain Morrisons to create a brand identity for their refillable offering: Remove, Reduce, Reuse, Recycle.
Morrisons are a large supermarket chain that sell food and drink as well as clothing, books, magazines, CDs, DVDs and home accessories. They currently have 491 stores across the UK.
Using the core Morrisons brand assets as a starting point, we were asked to develop an identity for the refillable offering in their new Canning Town store, that would also be rolled out across other new stores. The end result of the project would be a brand guideline document for the internal design team to use. The guidelines would look at all customer touch points, including welcome messaging, signage, station labels and leaflets.
We ran a workshop with Morrisons to discuss the tone of voice and suitable language to use. Collaborating with copywriter Tom Lynham, we developed long and short brand statements and established a framework for the tone of voice and brand language.
Creating an identity
Once the strategy and tone of voice was set, we explored how to bring the new identity to life. It was important that the new visual language complemented all the existing signage in Morrisons whilst also having its own recognisable feel.
The identity also uses a variety of shapes, derived from the circle and leaf shapes within the Morrisons tree logo, which add a playful and engaging element to the identity. The shapes can be used in a variety of ways, including patterns, as a holding device and feature in moving image.
Guidelining
Once the identity was finalised we created a detailed guideline document, with example designs used to demonstrate how the elements worked. The guidelines covered the brand personality (tone of voice and how to talk to customers) as well as how to apply the visual identity in store.
We worked with Morrisons on the roll out and implementation of the identity in the Canning Town store.
Morrisons — Manchester Piccadilly Market Kitchen
Morrisons — Market Kitchen
Morrisons — Brand Stretch