Bond is back. From Asia to London to Cuba, the debonair spy James Bond, aka Agent 007, returns to the big screen in an action-packed adventure as he hunts down another megalomaniac while attempting to prevent a cataclysmic war in Die Another Day. In typical Bond fashion, the film features fast cars, beautiful women, incredible scenery, high-tech gadgetry, hair-raising chases, and an abundance of special effects. This time, though, a substantial number of the effects are computer-generated rather than practical. In fact, Die Another Day features more digital effects shots than any other Bond film to date. Cinesite, a London-based studio, was responsible for the majority of those sequences.
In all, Cinesite completed approximately 480 digital effects shots, the most complicated of which appear in a chase sequence on an ice field in Iceland. In the scene, Bond speeds across a glacier in a dragster, eluding villains shooting at him with a laser. As he approaches the edge of the glacier, he releases a parachute and grappling hook to slow him down before toppling over the ice cliff. As the super spy is dangling precariously in the air, the bad guys continue to fire at him, causing the wall of ice and Bond to collapse into the water. This, in turn, sets off an 80-foot-high wave that bears down on Bond as he bobs offshore. He emerges from the wave, then dodges icebergs while maneuvering to safety at the opposite end of the bay.
The biggest challenge for the Cinesite team was re-creating the scale and natural phenomena of the sequence, which involved a massive expanse of CG water, foam, ripples, and spray within a 1-square-kilometer virtual environment; 250-foot-high computer-generated cliffs; and approximately 200 digital icebergs. Initially, the group spent three days filming water elements, but in the end, only about 20 percent of those were used. The remaining water environment was generated from a program developed in-house by Jerry Tessendorf at Cinesite's Los Angeles location. Alias|Wavefront's Maya, Pixar Animation Studios' RenderMan, and Side Effects Software's Houdini were also used to generate particles for some of the water spray.
Cinesite's water-generation tool, which is based on the studio's procedural water-simulation program, was adapted for the specific needs of the icebergs sequence. Originally, the software was used to generate smaller segments of water, but for this film, the group needed to show the entire bay, says Dottie Starling, sequence supervisor. Therefore, programmers Peter Yesley and Andy Whittock had to revise some of the processes in order to handle the large data set by creating displacement maps within the shader to make the small and medium-size waves. In particular, R&D was required to develop deformations for the larger waves, and shaders to handle ripples and smaller wave movements, as well as textures for the various elements (such as surface, foam, and splash).
The impressive ice cliff and numerous icebergs, on the other hand, were modeled in Maya, and textured with Right Hemisphere's Deep Paint. Rendering was done with a beta version of RenderMan Version 11, enabling the artists to achieve authentic raytracing and refractions. "Ice is tricky. It has this nice white color, and on the back side, or shadow side, it has a bluish appearance," says Starling. "So we had to write a few Maya plug-ins to do per-point vertex thickness calculations to establish how light would transmit through the ice, depending on which side you were looking at." The Cinesite group wrote additional plug-ins to situate the icebergs in the water so they were weighted correctly and would therefore bob and move as the director requested.
Next, the artists composited images of James Bond into some of the water shots. In most instances, the group used a digital double of Bond actor Pierce Brosnan, rather than inserting bluescreen footage of a stuntman. "When we got the [water tank] tests back, the stuntman didn't have the proper lateral movement, and his body weight didn't look right [in the water]," notes Starling. "So production decided to go with a digital double for the medium and long shots, and composited footage of Brosnan [using Eastman Kodak's Cineon and Apple's Shake] for the close shots."
The team then used 2d3's boujou and RealViz's MatchMover for matching the live-action shots of Brosnan with the CG environments. One shot in particular proved especially complex. In that segment, the camera focuses on Brosnan's face as a huge wave creeps up behind him, then the camera turns 180 degrees, so at the end of the shot, the camera is behind the actor. "When they shot the bluescreen of Pierce, they turned the camera 90 degrees, and then he turned 90 degrees, making the shot difficult to track," says Starling. "We had to get in close enough [with the camera] to where it didn't look like Pierce was moving." The group accomplished this by using a 3D track, then transferring the shot to the 2D department, where the team stabilized it, and then handed it back to the 3D group for another track to smooth out the motion.
This sequence and other action-packed scenes have helped make Die Another Day hot at the box office, proving that technology and Bond are still a winning formula. ..
Karen Moltenbrey is a senior editor for Computer Graphics World.


text:
Home » "Black Panther" director Ryan Coogler mistakenly handcuffed at ATL bank
Posted inSocial Justice
"Black Panther" director Ryan Coogler mistakenly handcuffed at ATL bank
by Ezekiel J. Walker March 10, 2022 Updated September 16, 2022
Ryan Coogler, director of legendary Black films, was briefly handcuffed by Atlanta police after a bank teller mistook him for a robber as he passed her a note attempting to withdraw over $10,000 in cash.
Coogler walked into a Bank of America branch Jan. 7 and passed the teller a withdrawal slip with a note written on the back asking her to "be discreet when handing him the cash," according to a police report. Coogler also had an ID card from California and his Bank of America card.
When her computer notified the teller that it was a high-risk transaction, she spoke with her manager. When the teller, a Black woman, explained Coogler wanted $12,000 and the transaction made her feel uncomfortable, the manager suggested talking to Coogler, she told officers. But she refused because she was pregnant and did not know if he had a gun. She then called 911.
Lupita Nyong'o says "Black Panther" actor Chadwick Boseman's 'power lives on'
"It be your own people."
Police responding to the bank branch in ATL's Buckhead neighborhood spotted a black Lexus SUV parked out front with the engine running. An officer talked to the male driver who said he was waiting for Coogler, who was inside the bank. A female passenger said the same.
A description of Ryan Coogler given by the driver matched the description reported to have been trying to rob the bank, the report says.
Body camera video released by police shows officers approaching Coogler from behind as he stands at the counter wearing a light gray hooded sweatshirt, a black cap, sunglass and a white mask. As an officer pulls his gun and another tells him to put his hands behind his back, Coogler is heard saying, "Whoa, whoa, what's going on?"
The outside officer detained both the driver and passenger in the back of a police vehicle but neither were placed in handcuffs as two other officers led Coogler out of the bank in handcuffs.
Police soon determined the whole thing was a mistake by the teller and Coogler "was never in the wrong," the report says. The handcuffs were immediately removed and the other two people were released from the back of the patrol vehicle.
Ryan Coogler was released without incident.
Police can be seen on body camera video explaining to Ryan Coogler that they were responding to a call of a bank robbery and had to take appropriate precautions. Still sitting in the back of the police SUV, Coogler can be seen on video looking down and shaking his head as the officer explains.
Ryan Coogler replied to the officers that a medical assistant who works for him prefers to be paid in cash. When he withdraws a large sum to pay her, he said, he passes the teller a note because he does not want the cash run through the money counter right there because it attracts attention and makes him feel unsafe.
The teller never indicated there was a problem and when she went to talk to her manager, other bank employees kept asking if he was being taken care of, he told officers.
"I don't know who made what call, who did what, but I just had guns drawn on me for taking money out of my own account," Coogler told police.
"We deeply regret that this incident occurred. It should never have happened and we have apologized to Mr. Coogler," a statement from Bank of America says.
If art is an imitation of life, Ryan Coogler's powerful legacy of filmmaking may ascend to new heights as he, unfortunately, became the main character in a movie he never wanted to see.
Tagged: Michael B. Jordan, Mistaken Identity, National News, ryan coogler
Ezekiel J. Walker
zeke@bwstimes.com
Hailing from Charlotte North Carolina, born litterateur Ezekiel J. Walker earned a B.A. in Psychology at Winston Salem State University. Walker later published his first creative nonfiction book and has... More by Ezekiel J. Walker
Previous Opinion: Take "liberty and justice for all" out of the Pledge of Allegiance
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One reply on ""Black Panther" director Ryan Coogler mistakenly handcuffed at ATL bank"
hypercoyote says:
Man, just listening to the emotions in his voice makes me cry. Idek how they thought they were being robbed when the man hands them HIS bank card, ID and everything to pull money out of HIS ACCOUNT! Whoever made that call needs to be re-trained because that's ridiculous.

redpajama_set_name: RedPajamaCommonCrawl


President Muhammadu Buhari on Wednesday night declared that the massive crowd that turned out to welcome him on his arrival in Kano for a two-day working visit was a message to the opposition that his support in the region remains unshaken and his popularity undiminished.
President Buhari, who made this comment at a state dinner held in his honour, said he was grateful to the government and people of Kano for the very warm and peaceful reception.
''I am overwhelmed with the massive reception I have received, and definitely, since this is partisan politics, I think it has sent a clear message to the opposition.
''It has been so consistent and I don't think I have the vocabulary to express my thanks to the people of Kano. I am very grateful to God and the people of Kano for the complete trust you have in me,'' he said.
The president, in a statement by his senior special assistant on media, Garba Shehu, noted that during his drive around the city on Wednesday to commission several projects, he observed that many of those who thronged the road to welcome him were very young people.
He pledged that, as a person in a position of authority, his priority was to provide a meaningful future for the teeming youth in the country through education and the prudent management of the economic resources of the country.
President Buhari restated that his message at his inaugural address, "I belong to everybody and I belong to nobody,'' will continue to guide his stewardship to the Nigerian people.
''My problem is Nigeria and I have been involved in almost all the instability Nigeria experienced: the civil war, the coups, and counter-coups. That was why I said during my swearing-in that 'I belong to everybody and I belong to nobody.
Stakeholders of the All Progressives Congress (APC) in Kano State yesterday adopted President Muhammadu Buhari as their candidate for the 2019 general election.
According to a statement by the president's senior special assistant on media, Garba Shehu, the party leaders also expressed their support to Governor Abdullahi Umar Ganduje as their sole candidate for 2019.
LEADERSHIP Friday reports that President Buhari did not accept or decline the endorsement in his speech even after the party leaders promised to procure the nomination forms for him.
The party leaders even threatened to sue if he declined the said endorsement.
But President Buhari merely beamed with smiles and went on to underscore the need for unity in the party and among the diverse peoples of Nigeria.
The APC stakeholders meeting, held on the sidelines of the president's state visit to Kano, was attended by Governor Ganduje, his deputy, Professor Hafizu Abubakar, the state chairman and members of the state executive committee and members of the national executive committee of the party from Kano State.
The state chairman of the APC, Alhaji Inuwa Abbas, hinged their endorsement of the president on his achievements in the last two years, especially in the fields of security, the war against corruption and the revival of the economy.
"Security is important for everyone, not just for Borno, Yobe and Adamawa states; it's even more so for us as a commercial and industrial state. We are convinced that you are best for these times when the country has begun to muster energy and resources to develop agriculture, infrastructure and empower the younger citizens," Abbas said.
Speaking on a jocular note, governor Ganduje said the party was prepared to drag the president to court to force him to accept the second term ticket.
In his response, President Buhari said he understood the clamour by the ordinary people on the streets who raised four fingers on each arm, ''meaning four plus four,'' that is, second tenure as president.
He, however, stressed the need to sanitise party politics by ridding it of vote buying and violence.
"What I saw in the elections in Kogi, Bayelsa and Rivers – the use of money and those headless bodies – really upset me. I don't wish to see that anywhere. I would not have won if money and killing was the modus of operation. That is my view of politics," the president said.


"The PTO is a group of parent volunteers and teacher representatives committed to promoting a positive educational environment with partnership from parents, teachers, and the community."
What does Beverly PTO do?
PTO is a network of parents, grandparents, teachers, and administrators who are committed to make your child's time at Beverly a safe and happy learning experience.
We help teachers get additional technology, transportation for field trips, supplies and paper for their classrooms. We fund projects like the expansion of our playground. We celebrate accomplishments, provide incentives, encourage giving back, and offer fun activities for each child throughout the year. We even take care of our Beverly students after they've moved on, through our yearly scholarships, granted to college bound seniors.
The Organization shall work with the school to provide quality education for all children and youth and shall seek to participate in the educational decision making process. Our objectives are as follows: To promote the welfare of children in the home, school and community. To bring a closer relationship between the home and school so that parents and teachers may cooperate intelligently in the education of children. To develop united efforts between home and school to afford children the highest advantages in mental, physical and social education.


Choosing a casino was deemed a difficult task in the earlier times. In case, you had a brick and mortar casino near you, it was understood to be the only option for you. Whether you liked it or not, you were required to visit the casino and indulge in your gambling needs. However, that is not the case in the present times. Thanks to the ever-changing and developing technology, people have been able to make the most of their gambling needs from the convenience of their homes. They do not have to step out of their respective homes or visit Las Vegas for their gambling needs. Online casino is the latest face of gambling.
In comparison to the land-based casinos, online casinos have been a boon for people looking forward to gamble in their free time. Apart from the convenience of gambling from anywhere, you would be given additional benefits for gambling online. The online casinos such as fun78 would offer you with a world of bonuses to suit your respective needs and requirements. You may not be lucky to make use of these bonuses, if you were still associated with land-based casinos. Let us gain knowledge on the kind of bonuses offered by online casinos.
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Just downloaded this app. My three year old grandson loves it. We have had no problems with crashes. A dollar well spent.
I want my $1 back. It crashes after ever word spelled. Its a good idea but they need to fix this problem.


text:
package EjerciciosSueltos;
import java.util.*;
//Pedir 3 positivos, si son positivos ver el primer numero si no el ultimo

public class NumerosPositivos
{
	static Scanner leer;

	public static void main(String[] args)
	{
		leer = new Scanner(System.in);
		int num1, num2, num3;

		System.out.print("Num1: ");
		num1 = leer.nextInt();

		System.out.print("Num2: ");
		num2 = leer.nextInt();

		System.out.print("Num3: ");
		num3 = leer.nextInt();

		if(num1>=0 && num2>=0 && num3>=0)
		{
			System.out.println("Primer Numero: "+num1);
		}
		else
		{
			System.out.println("Ultimo Numero: "+num2);
		}
	}
}

redpajama_set_name: RedPajamaGithub


text:
(function() {
  'use strict';

  /**
   * @ngdoc directive
   * @name iLayers.directive:badge
   * @description
   * # mobile
   */
  angular.module('iLayers').directive('mobile', Mobile);

  function Mobile() {
    return {
      templateUrl: 'views/mobile.html',
      restrict: 'E',
      replace: 'true',
      link: function($scope) {
        $scope.dismiss = function (){
          $('.mobile').remove();
        };
      }
    };
  }
})();


Fingerpaint, an advertising agency here in Saratoga Springs recently published an article about the idea of work life balance on their company blog – here's a link.
Given my obsession with The Work, this is something of real interest to me. I'm a huge Fingerpaint fan – their offices are beautiful, their work is lovely, and they are great members of the greater Saratoga Springs community. I can see their office from my perch at Sharatoga even!
Work hard at work but be smart about it and then leave it there.
When you're done you're done. Go home. Turn it off.
Because no matter how hard you plan, you will never achieve "balance." You will always regret not spending enough time with your significant other or your kids, or seeing friends or family members. I believe this is something called human nature.
I think this might be where we split in our thinking. I don't think living without regret and having a job you love are mutually exclusive, and I think that finding some sort of balance between what you do for a living and what you do that really rings your bell is a huge piece of a fulfilling life. If you're lucky enough to have a job that also helps fulfill you in non-bill-paying ways, even better.
If your work environment is causing you to miss things you'd rather not miss, important things like family events, things that you will regret? That's either an unhealthy work environment or you have an unhealthy relationship with it. You should find a solution either way.
Leave work at work, definitely. Live in the moment, absolutely. But don't think for a moment that you need to accept missing out on things that are important to you* – that's not accepting a brave new world, that's holding on to The Old Ways.
I'd recommend keeping an eye on this tenuous balance, and protecting it with vigilance and vigor. This is your only life, after all, and work is just work.
* – Kids recitals, not Warped Tour dates. Unless you're playing in the Warped Tour, then that's pretty cool actually.
Not that kind of hygiene.
One of the ways that you can get better sleep is by practicing good Sleep Hygiene – part of the Big Idea is that you need a space that is optimized for sleep. You keep your bedroom for sleeping and restful activity, mostly, which helps to keep your sleep restful and fulfilling.
As a remote worker, it's easy to carry my work around with me – to the kitchen, into the living room, even out on the porch during the warmer months. My wife, a professor, also tends to do quite a lot of work at home, grading, lecture prepping, etc. We found ourselves in a place where the living room, the kitchen table, and even our bedroom had papers to be graded, power cords, and legal pads covering any available surface.
Starting this week, inspired by the idea of Sleep Hygiene, we've started to institute better Work Hygiene – to keep work from encroaching on our non-work spaces, to prevent it from being a constant visual and physical reminder, any time we are doing work in the house, we are doing it in our shared office space. We have two desks, a couch, and plenty of room for both of us to spread out. In fact, we're both working in here right now. So far, it's been great – simply pushing all of our physical Work Stuff into one room has reduced mental clutter and distraction from other parts of our life, and also helps us to maintain focus while we're in the office.
Especially for remote workers, it's up to you to define your own idea of Work Space – and you should define it with hard edges to avoid work creep, both mentally and physically.


Anthony Bourdain was a character much loved by chefs, servers, and bartenders everywhere. This was no less the case in Ithaca, a small town with a large appetite for life—and life's culinary pleasures. Thus, Bourdain's death by suicide is very hard to comprehend and absorb. To The Sophie Fund's dear friends in the kitchens and dining rooms of Ithaca: please take the time to care for yourself and show extra kindness to friends and colleagues.
The Sophie Fund is proud to sponsor training in Mental Health First Aid, which gives us tools for supporting ourselves and others when we may be experiencing a mental health crisis. If you or your establishment would like to participate in a training, please contact us at thesophiefund2016@gmail.com.


A Marlin Travel specialist can help make your dreams of a destination wedding, honeymoon, or vow renewal come true.
You do the math! Wedding at home: $25,000. Destination wedding: starts at $5,000 for the couple. Great group rates, upgrades, discounts and more – let Marlin Travel help you stretch your wedding budget further.
With years of experience helping arrange picture-perfect weddings abroad, our Marlin Travel destination wedding specialists have the expertise and first-hand experience to make planning your special day enjoyable and stress-free.
With our Destination Weddings & Honeymoon Gift Registry, your guests can buy Marlin Travel Gift Cards and give the gift of travel. Use them to lower the cost of your wedding, for a honeymoon, or any future travel. Plus, registering is easy!


Posted on October 29, 2013, in REViEW and tagged 1941, 2010, anthony hopkins, benicio del toro, claude rains, emily blunt, horror, hugo weaving, joe johnston, lon chaney jr, rick baker, the wolf-man, universal studios, werewolf horror. Bookmark the permalink.	1 Comment.
Yeah, I was dissappointed with this one even though I had high hopes for it. You've mentioned most of the reasons why it failed. I also thought they should have made Talbot's relationship with his brother's wife a real relationship, that way at the end when she had to kill him it would have been more striking.


"Of course, other kinds of assignments involving visuals do occur in college writing pedagogies. Visual analysis (especially advertising analysis) has been commonplace in postsecondary writing instruction for at least fifty years as a part of the post–World War II emphasis on propaganda and semantics characteristic of many composition and communication courses beginning in the 1940s, but that practice did not always or consistently include careful consideration of how images, layout, or graphics actually communicated meaning. Instead, advertising was treated as a subject for critique rather than itself a form of communication that employed both word and image" (Diana George, 2002, p.21).
"If I have given the impression that the media revolution of the fifties and sixties was a tough one for [writing] composition teachers, then I must say here that the world of graphic design, electronic text, and Web technologies certainly will prove even more difficult, though ultimately perhaps more useful for future understandings of composition as design. As with written compositions, Web pages must have an internal coherence; they must, in other words, be navigable. Unlike written compositions, the internal logic of a Web piece is likely to appear first in the visual construction of the page – not only in the images chosen but the colors, the placement of text or links, the font, the use of white space, and other elements linked more closely to the world of graphic design than to composition pedagogy. The work of Anne Wysocki is useful here as she challenges writing teachers to rethink their notions of what composition means – beyond the word and inclusive of the visual. Wysocki writes, 'When we ask people in our classes to write for the Web we enlarge what we mean by composition. None of us are unaware of the visuality of the Web, of how that initial default, neutral grey has a different blankness than typing–paper' ('Monitoring Order'). And whether it is true or not that their teachers are aware of the difference between the blank screen and the blank page, our students are certainly aware of this difference. Many already compose for the Web. Many have worked in the realm of the visual (or the virtual) as constitutive of composing texts of all sorts years before they get to their first–year college courses."
2). Diana George. "From Analysis to Design: Visual Communication in the Teaching of Writing," College Composition and Communication 54.1 (2002): 11–39.
"In Media Res is dedicated to experimenting with collaborative, multi–modal forms of online scholarship. Our goal is to promote an online dialogue amongst scholars and the public about contemporary approaches to studying media. In Media Res provides a forum for more immediate critical engagement with media at a pace closer to how we experience mediated texts.
Each weekday, a different scholar curates a 30–second to 3–minute video clip/visual image slideshow accompanied by a 300–350–word impressionistic response. We use the title 'curator' because, like a curator in a museum, you are repurposing a media object that already exists and providing context through your commentary, which frames the object in a particular way. The clip/comment combination are intended both to introduce the curator's work to the larger community of scholars (as well as non–academics who frequent the site) and, hopefully, encourage feedback/discussion from that community.
Theme weeks are designed to generate a networked conversation between curators. All the posts for theme weeks thematically overlap and the participating curators each agree to comment on one another's work."


This Fuchsia Multi Colored Two Piece Set is so pretty! We are in love with the variety of colors on this crop top and maxi skirt set! The pleated material makes the set look absolutely stunning!
Approx. Length Top (shoulder to bottom hem): -Small: 14" -Medium: 14.5" -Large: 15"
Approx. Length Shorts (waist to bottom hem): - Small: 44" - Medium: 44.5" - Large: 45"


Apple Pay is plodding along instead nicely following its roll-out along with the iOS 8.1 upgrade late last year, and with Apple Watch ready to more widen the perspectives of the contactless payment facilities, Google is evidently positioned to respond to with the second-coming of its apparently forgotten Wallet. The honest I/O designer celebration, which has actually currently been confirmed with the Large G taking registrations from the center of next month, will play host to this resurgence of Google Budget, and with Apple Pay gaining quite a bit of traction, the Android maker recognizes that it'll should relocate promptly in order to keep up.
The report arrives politeness of The Wall Street Journal, citing those acquainted with Google's activities in recommending that a spruced up version of Pocketbook will certainly be showcased at I/O on May. With relevant entities such as banks, service providers and makers all stated to be a component of Google's ongoing talks, it would certainly seem that the search titan is serious concerning taking Purse to the next dimension, although with Apple Pay showing up in April, the Cupertino may be in an also stronger position already.
Budget is still an active service currently, however it has actually withstood a stuttered beginning in the industry. As a matter of fact, Apple Pay is the first to really take off in this arena, and with Pocketbook use having enhanced therefore of Apple Pay's intro, growth sooner, as opposed to later, would make an excellent bargain of feeling.
As the report continues, Google will certainly pay carriers/ OEMs to pack Purse right into their device line-ups, which would certainly be a big improvement in aiding to (lastly) obtain Google Wallet off the ground. It is counting on the reality that teams will play more perfectly if the cash's right, although likewise, getting a number of financial institutions, vendors, carriers and such on the exact same plain will certainly not be a very easy activity.
With Purse having actually been deserted for electronic repayments lately, many presumed that it will be eliminated off, however if anything, this a time when Google can really use a rival to Apple Pay. Therefore, we keenly wait for the re-launch of Google Budget, and with a few months to go up until I/O itself, we'll surely hear far more on the subject as time progresses.
You can follow us on Twitter, add us to your circle on Google+ or like our Facebook web page to keep yourself updated on all the current from Microsoft, Google, Apple and the Web.


The newest tech fad snatched up $14 million in funding, and its backers say is going to change the way people use the internet forever.
The new app lets users stream and share videos in real time and automatically sends them to Twitter.
"We are all about re-inventing shared experiences," the company says on its website.
Meerkat is expected to be used for on the ground reporting, as well as socially, between friends to share personal moments. The platform has more than 120,000 users and is one of the fastest growing social apps.
Introduced last February by San Francisco-based Life on Air, the live streaming service is already in the top 25 social networking downloads in Apple's App Store, according to App Annie, which tracks application metrics.
Like Snapchat, content is only available in real time- no reruns. Each user's content will be saved to his/her device, but not on a general cloud. Snapchat, which is only four years old, values itself at $19 billion. The company is rumored to be considering an IPO.
27-yeard old Ben Rubin, Meerkat's chief executive officer, uploaded his own video on Thursday March 26 to announce the $14 million in funding. Investors include Chad Hurley, co-founder of YouTube and Hollywood actor Jared Leto. Financing was led by Greylock Partners.
The app is competing head to head with Twitter-backed Periscope, which is similar to Meerkat, but has the advantage of tapping into Twitter's data.
Twitter went public in a $1 billion IPO in October 2013.


This snack tho…omg too good. FYI this is the healthy alternative to a PB and J. I used almond butter hence the title "AB and J" because 1. Almond butter is way better for you and 2. Peanut butter is straight up fattening. Also, to cut the bread out use an apple instead, it's full of fiber and amazingness. If you have a lil craving of just a sweet ol PB and J… try this, you won't regret it.
This entry was posted in Recipes and tagged AB and J, healthy snacks, snack food on 04/23/2014 by carag.


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text:
Part Two: Cavalia Odysseo Performance Sneak Peek
Seventy majestic horses, stars of the theatrical production Cavalia Odysseo, have officially taken up residence at their new home in Arizona to star in this equestrian extravaganza under the gigantic White Big Top in Scottsdale beginning February 21, with matinee and evening shows scheduled through March 18. I was lucky enough to attend TWO special Cavalia media sneak peeks. In the first recap, I shared footage of the horses arriving and walking the red carpet, liberty horse training demonstrations, and a tour of the stable. In this second recap, I'm sharing a video sneak peek of the performance featuring 70 horses, 50 riders, acrobats, aerialists, dancers, stilt walkers and musicians.
The horse has marked human history and progress more than any other animal. Horses have taken us to the ends of the earth enabling us to build bridges between cultures and expand civilization. It is the beauty and harmony of this ancient relationship, this meeting of two worlds, those of horse and man, that inspired the creators of Odysseo.
Photo Courtesy of Cavalia
As friends, partners and inseparable performers on stage, 70 horses and 50 artists lead the viewer on a great journey in yet another world – a world of dreams where together they discover some of the planet's most unforgettable landscapes.
Horses at Liberty - Photo Courtesy of Cavalia
Odysseo marries the equestrian arts, stage arts and high-tech theatrical effects at never-before-seen levels. Odysseo features the world's largest touring production and traveling big top, the biggest stage, the beautiful visual effects, and the largest number of horses at liberty.
About the Stage and Visual Effects
To give life to this extraordinary equestrian adventure, a 17,500 square foot stage was created with a hill that rising three-stories tall. Some 10,000 tons of rock, earth and sand are trucked in and then sculpted to create the vast space of freedom where humans and horses come to play in complicity.
Above the stage hangs an imposing technical grid capable of supporting 80 tons of equipment including a full-sized merry-go-round far beyond anything attempted to date on any touring show and comparable to the best-equipped theaters of Las Vegas, London or New York.
Odysseo's Merry-Go-Round - CREDITS : DAN HARPER
Odysseo is a unique theatrical production and a grandiose multi-dimensional spectacle. Audiences are taken to a live Hollywood-style movie set, where the moving interactions between human and horse are at the heart of the action. On an enormous stage, layers of mesmerizing decor are combined with live music, gravity-defying acrobatics and aerial stunts. To make this experience even more astounding, the production transports spectators across the world's most beautiful landscapes with powerful high-definition computer graphic images.
Odysseo - CREDITS : JAK WONDERLY
The Odysseo epic wraps up with a fantastic crescendo as the stage is inundated with 40,000 gallons of recycled water in just a few minutes. A virtual waterfall overhangs the resulting lake, in which horses, riders and artists join to frolic, leaving behind them the traces of their splashes and an astonished audience.
About Odysseo's White Big Top
The Big White Top - Photo Courtesy of Cavalia
Standing 125 feet tall, the White Big Top is a traffic-stopping addition to the skyline of each city Odysseo performs. When visitors enter, they are immediately transported into a lavish and intimate environment reminiscent of any permanent theatre.
More than twice the size of the structure created for the first production, Odysseo's White Big Top is the size of an NFL football field. The 17,500 square foot stage, larger than a hockey rink, and the 50 foot-wide backstage area offers a vast playground for more than 30 cantering horses. The grandiose stage also offers incredible possibilities for large-scale staging.
A total of five tents comprise the Odysseo village. The White Big Top houses the stage and backstage, seating and lobby areas under a single roof. The Rendez-Vous tent hosts VIP ticket holders for dinner, an open bar and photo opportunities with the artists.
The Cavalia Stable Area in Scottsdale, AZ - Photo Courtesy of Cavalia
The horses live in a climate-controlled stable tent complete with showers, tack shop and a blacksmith department. Between the stables and White Big Top, the Warm-Up tent is where the riders rehearse with the horses before and after the show. This area also includes wardrobe, makeup and dressing areas for the human artists. A staff kitchen tent prepares more than 300 meals daily.
About Creator Normand Latourelle
Creator Normand Latourelle - Photo Courtesy of Cavalia
In his 40-year career in the performing arts, Normand Latourelle has followed a path that has led him through all aspects of the industry, having occupied every position from lighting designer to agent, production manager, director and artistic director. A pioneer of Cirque du Soleil from 1985 to 1990, he has been the driving force behind many impressive and memorable events. A visionary in constant quest for innovation, Normand Latourelle is renowned for combining different forms of artistic expression and reinventing the scenic space, with the ultimate goal of taking audiences to new dimensions. Since 2003, Normand Latourelle has been fully dedicated to his company Cavalia Inc., instilling his talent, passion and imagination into the productions.
The Four-Legged Stars
Odysseo's Liberty Trained Horses - Photo Courtesy of Cavalia
There are 70 horses that represent 12 different breeds from around the world in the Odysseo stable. All the horses are male – stallions and geldings. They hail from 6 countries including Spain, Portugal, France, Germany, the United States and Canada. The average age of the horses is 9 with the youngest at 6 and the oldest at 14.
Odysseo captures the bond between human and horse - Photo Carly Kade
At the heart and soul of every Odysseo performance is the age-old bond between human and horse. The company fosters an environment where patience, trust and deep-seated respect for the four-legged stars come first. The company's training methods are designed to ensure the horses enjoy training and performing on stage. Trainers pay close attention to the horses in order to ensure that every request is adapted and respectful of what the horses are ready to offer.
The Human Co-Stars
There are 50 artists – acrobats, aerialists, riders, dancers & musicians in Odysseo - Photo Carly Kade
There are 50 artists – acrobats, aerialists, riders, dancers and musicians in the show. They represent 11 countries including the United States, Canada, Brazil, France, Italy, Guinea, South Africa, Poland, Russia, Spain and Ukraine.
Video: Odysseo Performance Sneak Peek
I am honored to have been invited to an exclusive 55-minute sneak peek of Cavalia Odysseo's new version before opening night in Scottsdale, AZ. The media preview featured stunning visual highlights and never-before-seen moments from the spectacular equestrian show. Happy viewing!
Don't miss PART ONE in this series on Cavalia:
In the first recap, I shared footage of the horses arriving and walking the red carpet,
liberty horse training demonstrations, and a tour of the stable.
Click to Go Behind the Scenes of Cavalia
Want Cavalia tickets? Here's what you need to know!
The shows begin February 21, 2018. Matinee and evening performances are scheduled through March 18. The performances are held under the White Big Top in Scottsdale located at Red Mountain 202 at McClintock Dr. (1475 N. McClintock Dr, Scottsdale, AZ 85257).
Tickets for Cavalia Odysseo are available at www.cavalia.com/scottsdale/
or by calling 1-866-999-8111.
About Cavalia Inc.
Cavalia Inc. is an entertainment company that specializes in the creation, production and touring of innovative shows. Founded by Normand Latourelle, the company reimagines the equestrian and theatrical arts. With its headquarters in Montreal, Cavalia Inc. is an integral part of Canada's cultural heritage, and the largest Canadian-owned cultural enterprise. Its expertise in high technology, multimedia and special effects creates magical, unique, never-before-seen experiences. Its first show, Cavalia, has been seen by more than 4 million people across North America, Europe, Australia, the Middle East and Asia since its 2003 debut. Odysseo, the company's second show, has toured to rave reviews and public acclaim since its 2011 premiere.
Available Now in Paperback and Ebook


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Silicon Valley's answer to the housing crises? Charging $1,200 for a bunk bed in a shared house
Arwa Mahdawi
PodShare, a US startup that provides 'co-living' accommodation, claims to offer the change the industry needs. In fact, it is part of the problem
PodShare Hollywood, where one of the company's customer service agent lives for free in lieu of a salary. Photograph: PodShare
Silicon Valley has rebranded the bunk bed. It is called a "pod" now – and a startup called PodShare is renting them out in San Francisco and Los Angeles for $1,200 (£960) a month. Yep, you read that right: you can now rent a bunk bed, in a house full of other bunk beds, for $1,200 a month. That price includes cereal, toilet paper and a personal TV. It doesn't include privacy. But, hey, we live in a post-privacy world.
Perhaps this concept sounds familiar; perhaps you are used to calling this sort of dorm-style living a hostel. Well, please don't. Don't call it a boarding house, either. Or a tenement. Or a scene straight out of the dystopian movie Sorry to Bother You. Nope, PodShare would rather you called it "co-living". Elvina Beck, the 34-year-old founder, says the company follows a "subscription housing" model that provides flexible and affordable housing in desirable neighbourhoods. "PodShare is a byproduct of high rents," Beck explains on the company's website. "Homelessness is on the rise, and a large part of that is very strict regulations that make it almost impossible to provide affordable housing … PodShare believes that we can repurpose underutilised spaces in a safe way to allow a type of new communal housing, because housing not only needs to change, it HAS to evolve."
Beck is right: housing has to evolve – and not just in the US. Things are dire in the UK, too. A 2018 report by the Resolution Foundation, for example, found that one in three British millennials will never own a home. Britain's housing crisis seems only to be getting worse; a recent analysis of data found that no rooms were available for private rent in many parts of London and Greater Manchester that were within the budget of people on housing allowance.
But while housing has to evolve, I am not sure rebranding boarding houses is the most desirable way for it do so. I am not alone in this view. PodShare has been around for several years, but it only started getting a lot of attention when it recently entered San Francisco and a CNN article about it went viral. The internet blew up with comments from aghast readers and there was a backlash against the company. While some think PodShare represents all that is wrong with late capitalism, others think it is stealthy socialism. When I called PodShare to talk to them, a man called Praveen in customer service told me he had just taken an "angry phone call from someone saying we were promoting communism; he said his ancestors didn't fight against the Russians for this." Praveen, who has been living in a Hollywood PodShare for the past five months, also told me he doesn't get paid for his job. He volunteers 13 hours a week, over three and a half days , in return for a free bunk bed. "I guess it's a fair trade," he said.
What is most problematic about PodShare is that it isn't a one-off; it is part of a broader trend in which poverty is repackaged in a way that makes it seems innovative and cool. Tiny spaces have been spruced up and rebranded as "co-living" and "micro-living". Landlords have been rebranded as entrepreneurs. We keep being told it is liberating to live without things; that it is great to live in a "sharing economy" where we pay for access instead of ownership. While that may seem liberating and modern on the surface, it is not that liberating or modern when you realise it is just rentier capitalism 2.0.
•Arwa Mahdawi is a Guardian columnist
•This article was amended on 10 July 2019 to say that Praveen works for PodShare for 13 hours a week, not 13 hours a day.


Posts about data on New Markets Tax Credits (NMTC), Community Development Block Grant (CDBG), Community Reinvestment Act (CRA) & more.
The Historic Tax Credit not only preserves heritage and character, but it helps revitalize struggling areas and often provides a source affordable housing.
The CDFI Fund just released new guidance data to determine what areas are eligible for NMTC, and what areas qualify as being in higher distress.
Difficult to Develop Areas (DDAs) are used by LIHTC users in areas with high costs. This year, DDAs were particularly challenging to show on a map.
Find where tracts with High Housing Need are near your target area to support your application to the Capital Magnet Fund.


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Q: Do we indirectly punish good citizens? I always search SO hard before asking a question. And let's be honest, the site isn't necessarily optimized for search (answers tend to reuse question terminology, which often isn't the broadest relevant terminology), so sometimes finding what I'm looking for is laborious.
My question is, are we punishing searchers? I don't ask a lot of questions (to date, zero), quite frankly, because I can always find the answer. Sometimes I find it elsewhere and forget to re-ask on SO, which admittedly is my own fault - but I think the point holds.
However, I routinely see very-near-but-not-exactly-duplicate questions voted up and answered with no recourse. And I don't see that as a mostly solvable problem.
Maybe I'm just venting because I feel like I am punished for not asking questions without searching first. What does Meta think?

A: If you have a question you want an answer to, isn't getting a correct answer quickly the ultimate reward? You're likely to get the answer quicker through a successful search than through carefully crafting a question and waiting for an answer, even though answers on SO do usually come remarkably quickly.
Surely that should be much more important than the (reasonably small) amount of reputation you get for asking a question.

A: SO is really designed to reward answerers more than questioners.  The reward for questioners and searchers is a good answer.

A: Just a thought: In terms of SEO, duplicate questions (and answers to them) would result in "better" search results on Google, etc. because it makes The Triology more relevant for the keywords contained.

A: I think three things could help this.

*

*The tags system is polluted, and rarely useful. Integrating the search with tags, eliminating the cruft tags, and perhaps suggesting tags based on question content could help. Additionally mods could get a list of questions with similar content and tags (upon request) so they can quickly evaluate new questions as a dupe.

*Building on that last part, a system for finding & reporting duplicate questions at multiple levels could be useful. When a user with low rep asks a question, maybe they have to review a few similar questions to be sure the new question isn't a dupe before it's actually posted. And a mechanism for reporting dupes, other than flagging it for a mod, or posting it in the comments would be nice for normal users. And again, a mechanism for mods to instantly search existing questions for similar content & tags would be useful. A "punishment" mechanism could also be part of this, but I doubt it would work as intended, as new users are too easily scared away by such negativity.

*An improved search system has been talked about many times before. I think pulling the tags taxonomy into the equation would help, but again you get into the tags problems. It's really a issue of where to start, and having a plan of where you're going with it all at the same time.

A: I've noticed that I frequently find answers, or at least highly relevant threads, in the Related questions shown on the right hand side after my question has been saved. Curiously, they are not the same set of Relateds shown on the initial composition page. I don't know if this a fact or a mental illusion, but what is certainly true is that even though I always search before posting a question, the Relateds are usually new to me.

redpajama_set_name: RedPajamaStackExchange


better than i could have imagined: Sisters.
We had a pretty good day today. Not perfect.....because it never is. And as it should be. But all in all....I'll look back on this day with fondness.
As the girls get older.....they are playing together more and more. I can't really give justice to, in words, the feelings I get when I see them playing together. I am so thankful that they have each other and hope they are always close.
Parker told Grace to get her Minnie and her baby and to follow her.....they were going to work.
Parker is telling her, "Grace! Come here!"
Splat! She said, "OH!" when she fell....and then got right back up.
Daddy even got in there for a bit. He's such a fun dad. I feel guilty sometimes because I play with them....but I guess we just play with them differently.....and he's definitely more fun!
So when lunch time came......Grace comes running into the kitchen....sees that I am almost done making her spaghetti.....and goes and climbs in this chair. We are currently still putting her in a booster seat....but today- she beat us to the chair and I was in a special "I've been up since 5:45am mood so whatever is just going to have to be ok today".....and she did just fine. Messy, but that's normal for her. (Oh- and just to note.....she ran to Geoff to have him take her shirt off before climbing onto the chair. She know's this is how she ends up after spaghetti. Hahaha!
I pick up her spaghetti off of the chair and off of her at least 4 times during the meal. Maybe this is why she is always so hungry.....I just think she's eating a lot, but really it's not ending up in her belly! She is very independent though and wants no help!
Then Parker started acting silly making noises with her lips. I think she wanted me to take these pictures because she was acting so silly and she thought she was pretty funny. So I laughed with her.
SO...........by the time I sit down to eat my lunch....they are half way done. This is also the norm around here. But I point it out only because.....right when I sit down....she reaches her hand over to grab my hand so we can say the blessing. I try to just grab her wrist....but she wants to hold my hand. And I could wipe it off, but what would the point of that be?
I had made these last week for "C is for Cookie" (idea is from here).
So Grace decided to roll around on the floor for a bit.
This is how Parker works. They 'go places'....and she, of course, gets the car. And Grace (or Payton if she is here).....has to follow her along in their 'car'....which is the stroller. They are stopped at a red light here.
Parker told her that now the light was green so they could go.
And just to write this down for memory's sake.....at one point Parker was really wanting Grace to do something....and Grace was done being told what to do playing with her. And so Parker would say to her, "Grace! Come here! Do you want to get ice cream later? Do you want to go to Gramma's house? Then you better come here!"
And to finish up the day.....somehow....Parker started saying, "Ready. Set. Go." from the doorway....then running and bouncing onto the couch....and getting 'stuck' (or 'tuck' as Grace would say). Well- monkey see, monkey do. And they were both doing it. Hilarious to me.
so very sweet, made me smile, & also made me teary-eyed. They are just amazing though!
Looks like they were having so much fun together. I can't wait until Grayson and Reagan can play like that. Poor, thing wants him to play with her so bad, right now he just isn't that fun. I'm sure in about 6 months I will say, oh I am so tired of saying, "stop that, give that back to him!" You have to share!" "Leave him/her alone!"
Oh and I say the same thing about Darrin. He is more than I am sometimes, just a different kind of fun!


November 26, 2004 By Roxanne Khamsi This article courtesy of Nature News.
Brain images show thinking about learning makes it more difficult.
When attempting to master a task, sometimes it's best not to try too hard. Researchers have confirmed this folk wisdom, using brain imaging to show that thinking too hard about simple actions interferes with the learning process.
Scientists already knew that consciously trying too hard to learn can cause trouble. The earliest demonstration of this came from a study in 1976, in which college students were asked to memorize strings of letters.
Those who were told from the start that there was a regular pattern within the letters found it harder to discriminate between strings that did or did not contain the pattern. But until now, no one understood why this happened.
Paul Fletcher, a psychiatrist at the University of Cambridge, UK, and his colleagues watched the brain activity of people who were learning without consciously trying (implicit learning) and compared it with activity in people who were putting deliberate effort into mastering the challenge.
The team asked subjects to press one of four buttons, depending which one of four boxes on a screen was highlighted. During the six-minute test, each person was required to pushed roughly 300 buttons, including 18 repetitions of a particular 10-item sequence.
One group of volunteers was asked to try to learn the pattern, and a second group was told to relax and not to worry about finding it. Learning the pattern should help people to respond more quickly, explains Fletcher.
At the end of the test, those who weren't looking for a pattern completed the task with a reaction time that was about 40 milliseconds faster than those who were looking, suggesting that the former had learned the pattern more effectively.
During the test, Fletcher and his colleagues monitored the brain activity of the volunteers with functional magnetic resonance imaging, a technique that tracks blood flow to give an ongoing picture of brain activity. They detected a notable boost in the activity of the right frontal lobe in people who were trying to learn the pattern. Their results are published online in Cerebral Cortex.
The decision-making abilities of the frontal lobes are normally employed during sophisticated thought or learning. These areas communicate with the egg-shaped thalamus, which acts as a mental 'switchboard', filtering sensory information.
Why would increased frontal lobe activity make it harder to learn the pattern? Fletcher explains that the frontal lobes are valuable in a crisis, when it is necessary to make a quick decision about which course of action to take. But this conscious processing might actually inhibit the automatic learning of simpler tasks, he says.
So should we give our brains a break and stop trying to learn? It depends on the type of task, says Fletcher. For example, people who are learning to ski should try to relax as they go down the slope.
"If you work out every turn in advance it disrupts the processes at the motor level," he says. But when it comes to mastering textbooks, some concentration will still be required.


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Here's who benefits the most from student loan forgiveness
By Rita J. Phillips on September 11, 2022 Small Loans
Helen Cortez/EyeEm | Getty Images
Figuring out who benefits most from student loan forgiveness — the poor, the middle class, or the wealthy — might seem like a simple exercise.
But an exact calculation is difficult, according to economists and education experts. Besides the challenges with the available data, the future financial benefits that will accrue to some borrowers are nearly impossible to model, they said.
However, the issue takes on particular importance as the public weighs the merits of President Joe Biden's Aug. 24 announcement that he would forgive up to $10,000 in federal student debt for most borrowers and up to 20 $000 for a subset of receivables. Relief is also limited to those earning less than $125,000 a year, or married couples or heads of households earning less than $250,000.
In remarks after the announcement, Biden said 95% of borrowers — 43 million people — would benefit from the debt relief plan. Nearly 45% of borrowers, or nearly 20 million people, would see their debt entirely cancelled, he said.
But which borrowers will benefit the most?
White House plan assesses individuals, not households
The White House posted a board breakdown of the distribution of total dollars forgiven by three income groups. It shows that 87% of the money would go to those earning less than $75,000 a year. None would be paid to people earning more than $125,000.
Leveraging that data, Biden said the plan would target poor and middle-class people — "the families who need it most."
This is true in at least two senses: The policy sets an income cap for forgiveness, ensuring that wealthier households cannot participate. And recipients of Pell Grants, a type of financial assistance for low-income families, are eligible for double the maximum relief, or $20,000, compared to other borrowers.
Biden forgives $10,000 in federal student loan debt for most borrowers
But White House analysis measures income per individual, rather than at the household level. Let's say that each spouse of a married couple earns $70,000 a year — they would have $140,000 in joint family income, but would be among the group earning less than $75,000 in the White House income analysis.
The Biden administration felt that an analysis of individuals would be more accurate than that of households, because US Department of Education data does not indicate whether a borrower is married, according to a White House official.
"It's not a gift for the rich"
A few institutions have conducted independent analyzes that measure the overall impact on households. Most believe that low- and middle-income households will receive the bulk of the benefits, but differ on the precise share of these groups in overall forgiveness dollars.
Economists at the Wharton School of the University of Pennsylvania estimate that households with annual incomes below about $82,000 would receive the bulk — 74% — of the total rebate funds. These families are part of the bottom 60% of employees.
According to a separate Penn Wharton analysis for CNBC, people in the bottom half of income would receive about 55% of rebate dollars.
"This is not a gift for the rich," said Kent Smetters, professor of business economics and public policy at the University of Pennsylvania.
"A little more relief" comes to the bottom half, largely thanks to the "Pell Grant bonus," Smetters said.
"But it doesn't particularly target low-income households as much as other transfer programs," he added, using the working income tax credit as an example of an existing policy that is better targeted. on poor households.
According to Penn Wharton, about 95% of the total benefits go to households with incomes below $150,000.
A White House official said the Penn Wharton The study supports its basic conclusion that the vast majority of benefits go to low- and middle-income people.
The JPMorgan Chase Institute, in a separate facility study, found that a smaller share (51%) of total debt cancellation would accrue to the poorest 60% of households. JPMorgan defines this group as having an income of less than $76,000 per year.
The middle class could see 'the biggest increase in effective income'
About two in three of the lowest-income borrowers would see their federal student debt wiped out entirely, according to the JPMorgan study. According to the analysis, black and Hispanic borrowers are more likely to have their debt fully forgiven than white borrowers.
Biden's policy would give low-income, student-indebted households the "largest proportional reduction in debt payments," compared to middle- and high-income earners, according to a separate Goldman Sachs report released Aug. 25. Most low-income households don't have student debt and therefore won't get any benefit, according to the study.
"We estimate that middle-income households will receive the greatest increase in effective income from the announced debt cancellation plan," the analysis says.
"There is no perfect data" for the impact of forgiveness
So what do you think of all this? In short: it is difficult to make definitive statements about which income groups will get what share of the benefits.
For one thing, each analysis uses different sets of data that yield different results. Penn Wharton's estimate, for example, draws on data from the Department of Education and the Federal Reserve's Consumer Finances Survey. Due to the details of this Fed investigation, while it captures a parent's student debt, it may not capture the debt of a recent graduate living at home with those parents, according to the economists.
Meanwhile, JPMorgan's analysis uses credit bureau and bank data from Chase. The analysis assumes that all borrowers with an income of $125,000 to $250,000 are married, for example; the bank's data suggests this is true for the "vast majority" of these borrowers, but the assumption skews the distribution of benefits to wealthier households, according to the analysis. Using bank customer data may also exclude some low-income earners, the economists said.
"There are no perfect data, they don't exist," said Dominique Baker, associate professor of educational policy at Southern Methodist University. "Even the Department of Education doesn't have perfect data."
Consider other quirks like this: the government awards Pell grants to students based on parental income; as long as a borrower's income is below $125,000, they would qualify for the Pell Grant forgiveness "bonus" based on their parents' lower incomes in previous years, Smetters said.
According to Matt Bruenig, economic policy analyst and president of the People's Policy Project, there is also the question of what "income" to consider for an analysis of the benefits of forgiveness.
For example, economists may choose to look at a parent's current income, a student borrower's current income, or a student's expected future income, Bruenig said. These types of data assumptions yield different results.
"We want to do analysis that we can't even really do," Bruenig said.
"There's all this change in people's financial lives"
According to education experts, there are also a host of financial benefits of loan forgiveness that would accrue primarily to low- and middle-income people, but which cannot be captured in these data analyses.
Contrary to popular belief, borrowers with less debt are more likely to default on their student loans, said Susan Dynarski, professor of education at Harvard University. These are usually low- to middle-income borrowers, she said.
Defaults negatively impact credit scores, which can then negatively impact homeownership, hurt job prospects and increase the costs of other lines of credit, he said. she stated.
"Not all of that is measured" in revenue analytics, Dynarski said. "I think that understates the benefits of forgiveness, especially for small loans."
Learn more about personal finance:
Don't Refinance Your Federal Loans While Waiting for Student Debt Cancellation
Borrowers in these states may owe taxes on student loan forgiveness
GOP may take legal action to block Biden's student loan forgiveness plan
Forgiving these relatively small balances may mean less flow of federal dollars to these borrowers — but forgiving their debts would likely have an outsized impact.
"There's this whole change in people's financial lives," Baker of Southern Methodist University explained.
Many borrowers are in default due to failures in the student loan system itself, such as mistakes among student loan servicers over revenue-driven repayment plans, Dynarski said. Correcting these errors by canceling the debt is probably worth the effort, even if it means that some wealthier households who "don't need it" also benefit, she explained.
"For people with small loans who are harmed to get out of this system, I agree with a few middle-class people who get forgiveness," Dynarski said. "I consider it a cost of doing business."


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HXH: G.O.C.S Chapter 283: Potcelain
To attach his Amortizing Power Redirector on Noro, Knuckle needed to land a hit, but unfortunately, it wasn't that easy, since Noro was a Royal guard, a monster amidst monsters.
With his own power, it would be almost impossible, that's why he needed his partner's help.
His partner was Shoot, a fellow disciple under Morel's teaching. The two were partners for years and had great teamwork.
Even if they were facing a monster, if they set their mindset right, they could fight Noro.
Shoot was a manipulator, and he uses a technique called Disembodied hands, which is represented by three hands that Shoot can control freely.
Shoot's main Nen ability is Hotel Rafflesia, which allows him to shrink any body part touched with his Disembodied hands and seal it into a birdcage.
Even though somebody's parts can be sealed, there is no actual damage to the target when he is missing one.
For example, if he hit his target's eyes, he can seal his eyes and seal them, rendering his opponent blind, but it isn't permanent, because as soon as the Hotel Rafflesia is released, the eyes would return to their owner.
For now, Knuckle could only rely on Noro to give him an advantage to land a strike.
Shoot and Knuckle kept retreating while Noro followed after them trying to kill them.
"We don't have an advantage in an open space, we need to lead him to the forest," Knuckle said.
"Yeah." Shoot agreed.
Directly, both of them headed to the forest near the palace.
After entering the forest, Knuckle and Shoot started guerilla warfare against Noro.
Although Noro was strong, he was helpless in this situation.
Many trees were destroyed by Noro, but to no avail, as he couldn't hit his targets.
Finally, after some time, One of Shoot's hands finally landed on Noro's right eye.
Suddenly, the eye disappeared from Noro's head and appeared in the cage due to Hotel Rafflesia.
Since Noro lost an eye, he had a blind spot due to the missing chunk in vision, which made it easier for Knuckle to land a hit.
The punch was strong, but what puzzled Noro, is the fact that he didn't feel any pain, instead, he felt like he was given Nen instead.
While wondering what's going on, Noro's single eye noticed something strange flying next to him. It was a fat doll.
"What's this?" Noro frowned and noticed the number 500 appearing on the Doll's forehead.
"It's time, counting added Interest." The doll beside Noro smiled as it said.
Noro noticed that the number displayed on the forehead of the doll increased from 500 to 550.
"Good, Potclean started calculating the Interest." Not far away, Knuckle said in joy.
Since the Amortizing Power Redirector was attached, it was only a matter of time before Noro would enter bankruptcy.
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Holidays in St Lucia are the equivalent an adventurer's play area. It's the perfect place to enjoy long walks, wild forests and relaxing on desert-island beaches. Every corner of this idyllic island hides more beautiful coves waiting to be discovered. Here you'll find a guide to the best beaches, which are just waiting to be discovered.
Most of the seaside spots in St Lucia are the short and sweet type. You'll find little coves or clearings of gold with a handful of joyful beach-goers relaxing peacefully. Rodney Bay's Reduit Beach is the exception, boasting two kilometres of beautiful desert-island sand.
This beach is lined by a handful of hotels, blessing guests with a beautiful views, plus there are some great beach bars clinging to the shore to spend chilled out days and lively nights in. There are also watersports companies that'll cater for the kids and thrill-seekers among you. Waterskiing, scuba diving and more are all available on the coast of Rodney Bay.
You'll be hard-pressed to find a more scenic beach in St Lucia than Jalousie Beach in the southwest. It has the clearest water, brightest sands and one of the most incredible backdrops of forests and mountains just waiting to be roamed.
Set beneath the twin peaks of Gros and Petit Piton, the crystalline sea is the temptress of scuba divers from all over the island who want to explore the underwater kingdom. Bring your snorkelling gear and see for yourself.
Anse Chastanet is another great attraction for scuba divers on holiday to St Lucia. This time it's the sudden and dramatic underwater landscape that brings them here. This beach is not ideal for small kids looking to paddle. But if you're on a group or couples' holiday, and fancy seeing an amazing coral reef and sharp coastal shelf without sailing far out to sea, this is a great spot.
The black sands of Anse Chastanet echo the volcanic roots of the island, and make for some great photos. There's also a luxury resort nearby, full of the wealthier visitors to St Lucia, which has a great restaurant and bar on-site for those lazy evenings by the sea.
Way up in northern St Lucia is the Pigeon Island National Park beach. This strip of coast is quiet and relaxed, offering great spots to tan and swim in the cool water. There are also great museums nearby and a stunning view of Fort Rodney from the park's lookout point.
To balance this historical heritage, the Pigeon Island National Park also holds the annual Jazz Festival which brings many local and international acts to the area. This, plus there's a year-round underground rum bar which goes down a treat with the grown ups.
Set just north of Dennery, Grande Anse is another of St Lucia's favourite beaches. It stretches a total of one and a half kilometres in length, and is considered an unofficial national park. This is because it's the home to one of the great natural wonders of the world – giant leatherback turtles roam the beach.
Many people flock from all over the Caribbean to see them come onto to land to lay their eggs, in a tradition known as Turtle Watch. If you're in St Lucia, a visit to Grande Anse is an absolute must, especially as these leatherbacks are a critically endangered species.


The artist's earlier work largely focused on animals that Ellison had seen firsthand on excursions over the course of his life. From skunks and sloths to opossums and ocelots, Ellison's creatures spanned the wild species. While occasional vampires, werewolves, and beautiful young women would enter the mix, Ellison, for the most part, concentrated his efforts on the depiction of quirky animals.
From 2008 to 2010, Ellison's paintings generally grew larger (up to 14 x 18 inches), and he veered more toward his macabre subject matter. Inspired by Scandinavian folk art he admired while living in Sweden, along with obscure horror films, grisly tales, recurrent fears, and popular music (Ellison is also a recording artist), the darkly humorous works are sparse and enigmatic, suggesting but never completely offering extended narratives.
Originally trained as a photographer at Purchase College and then the International Center for Photography, Ellison cites Diane Arbus and Ralph Eugene Meatyard as other major influences, which is apparent in the deadpan compositions of his earlier animal portraits and the mood of many of the newer pieces.


1. Look for rebates on basic office supplies. Check sales circulars for special offers and rebates on items you will use all the time.
2. Sign up for customer loyalty programs at office supply stores. Many offer bonus points for initial purchases, and you will receive specials and coupons because you are a member.
3. Ask friends and family if they have any desks, chairs, bookcases, etc. they are replacing- tell them you will be glad to take any items they don't want. This can get your office furnished as you are starting out.
4. Garage sales can yield very inexpensive items such as bulletin boards, file boxes, desk organizers, and storage crates.
6. Online auction sites are great resources for deals on items such as shipping supplies and ink cartridges.
7. Sign up for a 6 month no interest credit card to get you started with inventory and supplies- just make sure you have a plan in place to pay off the balance in full before the no interest period ends.
8. Check with different banks and credit unions to see which offers the best deal for checking accounts and various banking services.
9. Don't overlook the obvious- dollar stores are great resources for pens, pencils, notepads and calendars.
10. Search for websites offering free or low cost advertising to get your company name out there.
Remember, as your business grows, so will your budget! You can always upgrade furnishings later. Focus first on keeping your space functional and organized so that looking for things doesn't take time away from the most important task in building your business- working on income producing activities.


text:
YouTube Reveals More Ways For Creators to Make Money
4 days ago at 9:22 am by Aman Jain
YouTube is the biggest video-sharing platform, and to ensure that it retains the top spot, it regularly adds new features and monetization tools. In a continuation of this trend, YouTube has now revealed more ways for creators to make money.
At the VidCon event last year, the company introduced new products such as merchandise shelves, channel memberships, premieres and more. At the same event this year, YouTube expanded those products with new features.
For instance, YouTube is now adding new Channel Membership levels. Until now, fans could pay $4.99 a month to get membership perks like exclusive live streams, extra videos and shout-outs. Creators now will be able to set up to five membership fee levels. The price of each membership will vary in accordance to the perks offered. According to YouTube, it found in testing that offering varying levels of membership increased revenue six-fold.
Further, the video streaming platform is adding more partners to its Merch shelf. Now creators can collaborate with Fanjoy, Represent, Rooster Teeth, Crowdmade and DFTBA. Until now, Teespring was the only partner that helped creators sell merchandise such as t-shirts, hats, phone cases and more. YouTube takes a small commission on such sales.
The video-sharing platform is also moving its "YouTube Giving" fundraising tool out of beta. The company said it will add a button that will allow fans to donate directly to the creator's cause. Such a button will automate the process of sending 100% contributions to a non-profit of the creator's choice.
In addition to adding new features to existing products, YouTube also announced new products such as Super Stickers and Learning Playlists. The Super Stickers feature will complement the Super Chat, which is one of the ways for creators to make money, while the Learning Playlists will promote the use of YouTube for educational purposes.
YouTube's Super Chat, which debuted in 2017, allows users to pay to make their messages stand out during a live stream or premiere. According to the video-streaming platform, Super Chat is the top revenue stream across 20,000 channels, representing a jump of about 65%.
Over 90,000 channels have used this feature, and some are earning more than $400 a minute from it. Creators keep 70% of the revenue from Super Chats and memberships, while YouTube takes the remaining 30%.
To further monetize the feature's popularity, YouTube has now come up with Super Stickers. These animated stickers will be available to purchase in the next few months. Fans will be able to buy these stickers during live streams to show support for the content.
"[Super Chat] is a way for the creator to generate more revenue," YouTube Chief Product Officer Neal Mohan told CNN Business. "But it's also a way for fans and creators to connect more closely. That's a theme that runs through all of these new products that we're announcing,"
The Super Stickers are similar to Twitch's Bits emotes and cheermotes, which also help support video creators. However, YouTube's Super Stickers will come in different languages and categories, such as sports, music, food, fashion, beauty, gaming and more.
Learning Playlists will allow creators to organize their videos into chapters. To minimize distractions, the video platform will also hide recommendations from the watch page. Currently it is testing the feature with "trusted partners" such as Khan Academy, TED-Ed and Crash Course.
Most of the announcements YouTube made at the event are aimed at helping creators make more money. The company claims that since the launch of the Merch shelf, Super Chat and Channel Memberships, "thousands" of channels have been able to double their revenue.
From the creators' point of view, these new monetization tools not only help them increase their revenue but also reduce their dependence on any one monetization tool. There is always a concern among YouTube creators that a shift in policy by the platform will impact their revenue. However, if they utilize multiple revenue sources, the impact from a policy change will be less.
It is good to see that the company is not solely relying on ads to boost creators' revenue. Growing competition from Facebook is also one big reason for YouTube to keep adding such measures. For instance, Facebook is testing a way that allows fans to send a few cents to video creators during live and on-demand videos.


Workout: Warm [1 mi.], 8x400m @ 1:18-1:22 w/ 200 jog, Cool [1 mi.] Weather: 73 degrees, sunny, windy.
Got a couple hunches about this 5K deal thanks to a lot of positive comments after the last run. With that in mind, I'd like to have a little more fun for the next couple of weeks. Fast fun. See where it takes me.
The first step for me was re-conceptualizing what a workout is. Today was about running fast then slow then fast again…8 times. Nothing more. Kind of like being a kid out there to be honest. Stop and go kind of game. Got the heart rate up where I wanted it. It's all good. On to Saturday's long run.
Workout: Warm [0.75 mi.], 6×800 @ 2:44 w/ 400 jog, Cool [0.75 mi.], Drills Weather: 81 degrees, partly cloudy, dark.
Up at 6 a.m. for this one. A lot of back and forth in my head over whether to do it early or late, at the track or at the park. Eventually, early and at the park won out. Following a suggestion from another blog, I decided to use the Garmin intervals feature to make a 6 x 0.5-mile workout with 0.25-mile jogging rest in between. That matches up pretty closely with the 6x800m at the track. In fact, it was a little harder because the park has a concrete surface instead of the soft track; I couldn't wear my spikes and there's a small hill in the route. Accordingly, I told myself to aim for 2:50 pace instead of 2:44 to allow for some delay. Plus, it was morning time, and I didn't know if I could generate enough power just after getting out of bed.
After driving to the park in the dark, I opened the car door and immediately stepped in dog poop in the parking lot. Fortunately, I brought my road racers to do the workout, so I was able to change shoes. I threw regulars in the trunk…because they were stinky. Only later did I find out that the poop had somehow made its way to my longer shorts, which I left on the passenger seat. 😦 After a short warmup and sip of the Lemon Lime Kool-Aid, the workout began.
Yep. Negative splits – every repetition faster than the one before. For a distance slightly longer than 800m, at the park. Now, I'm grateful that this run didn't happen in 90+ degrees like in the past, but I still think it's a better effort than previous weeks. After the first repetition, I thought 2:50 was a good goal. And I kept waiting to hit the wall and quit because of all the things that could go wrong at the park. But it never happened. The first 0.25 mile of every rep seemed to fly by, and then all I had to do was focus on finishing. Form wise, I tried to be relaxed with a big back kick and relaxed arms…like Bekele and Farah at the Great North Run recently (They're sooo fast). Also, I always like to remember the moment where I knew I would finish a tough workout. For me, it was the beginning of the 5th rep. I'd done 4×800 last week, so I knew that much would be possible. But when I wasn't laboring on the 5th, I felt I had it. For the last 800m today, I just wanted to crack 2:40 again. Great day.
Really starting to think that the slow stuff is behind all of this. Tomorrow, 7 miles easy at 150 bpm, hopefully faster the 9:36 pace on Wednesday. Then, on Saturday, the long run – 10 miles @ 7:49…still working towards that 18 miles @ 7:02 pace in December.


Welcome to the first installment of Mary's Corner! Just to get you up to speed, Mary's Corner is brand new feature on SVGCuts.com and will be full of great tutorials that will help you get the most out of your SVG collections! In each episode, you'll get a table that contains the exact dimensions for the project as well as a High Definition video that you can follow along with. These videos will be filmed in HD so that you can watch it in full screen High Definition on your monitor! Its going to look and sound great!
The card in this tutorial was created using 3 seperate SVG collections from our store and 1 free SVG file from our blog. The collections required are linked in the Dimensions table below!
Click on the names of the SVG Collections to learn more about them in our store!
Note: In Sure Cuts A Lot, click the "Keep Proportions" box in the properties window for each shape before typing in the width specified.
Mini Flowers- Just use whatever small simple flowers you may have. Size to about 0.3" wide. Cut 3 to 5 of these.
Wow Mary! that card is beautiful! THank you so much for showing us how you did it. I think i rely too often on making cards using stamps instead of things I've cut on my Cricut. You've inspired me to get back in SCAL some more! Thanks!
I LOVE the card. I do have the 3-d flowers….but I havent used them yet. After watching this, I think Ill have to u se it. Your videos really helpful!
thanks guys for the tutorials. I am one of those who needs just a little more visual. I also like the chart that comes with the design.
Thanks Mary for some great cards, I can't wait to make some, also thanks for the Tutorial, very easy to follow.
You have created some beautiful cards, keep up the good work!
THANKS…I love the tutorial I was looking for a wedding card and I will try this one…thanks agian love it.
Thanks for the tut. i usually need a visual to convince myself that i can do it.
This is a beautiful card and awesome tutorial. Thank you for showing me the different ways to use all my files. Please keep inspiring us. Now I can use my collection of svgs I have bought from you.
What a wonderful card idea using your great cuts!! Finally got a chance to see it today-weather here has been gorgeous so not much time at the computer… Super tut!! Love the HD too! Thanks Leo & Mary (Dynamic Duo)for making an already great site/product even greater!! Will make the card for a wedding next week-THANKS!
Thank you Leo and Mary for such a wonderful video tutorial. I have a wedding coming up and need to make a very special card. You are both an inspiration to me, please keep up the good work.
Just getting around to watching. The card is gorgeous. thanks for the great videos, Mary and Leo!
Thank you so much for the step by step tutorial. I just finished making this card for my cousins wedding. It turned out spectacular! This was my first attempt at making a fancy card so it took me quite a few hours. Well worth the time.


1 of 10 Heat oven to 350 degrees F. Grease and flour three 8-inch round layer-cake pans, tapping out excess flour.
2 of 10 Prepare cake mix according to package directions. Divide evenly into the 3 prepared pans.
3 of 10 Bake in 350 degrees F oven according to package directions, but only for 25 to 30 minutes or until tops spring back when pressed lightly with fingertip. Cool according to package directions. Set all three layers, top side up, on cooling racks.
4 of 10 Prepare 2 recipes Fluffy Frosting. Spoon 1/2 cup into each of 3 small bowls. Color one light orange, to resemble cheese. Color another with liquid red and yellow colorings to resemble pale peach-colored Russian dressing. Fold in nuts. Color third batch with red paste coloring to resemble tomato.
5 of 10 Spoon 1-1/2 cups white frosting into bowl. Set aside 2 tablespoons cocoa powder. Stir remaining 2/3 cup cocoa powder and 2 tablespoons warm water into frosting until smooth to make dark-brown frosting for hamburgers. Stir reserved 2 tablespoons cocoa and instant coffee into 1 tablespoon warm water; add to remaining white frosting to make light-brown frosting for buns.
6 of 10 Knead several drops of green and 1 drop of yellow food coloring into almond paste. Divide into 12 pieces. Roll out pieces between waxed paper to form uneven shapes resembling lettuce leaves.
7 of 10 Frost halfway up side of first cake layer with light-brown frosting for bun. Place layer, frosted side down, on cake plate. Thickly frost top half of side of layer with a little less than half the dark-brown frosting. Round the edges and roughen with fork to resemble hamburger. Frost top of layer with dark-brown frosting.
8 of 10 Spoon orange frosting on top of layer. Spread with spatula to cover top and extend over sides at places to resemble melted cheese. Top with 6 almond paste lettuce leaves.
9 of 10 Turn second cake layer over on cooling rack. Frost bottom (now facing up) and halfway down sides with light-brown frosting for bun. Place, frosted side down, on top of almond paste leaves on first layer. To make tomato, spread thin layer of red frosting with spatula around unfrosted top half of layer and over top of cake.
10 of 10 Spoon all of the Russian dressing frosting over the red frosting. Spread to cover the top of the layer, and extend part way down the sides to resemble dressing. Top with remaining 6 almond paste lettuce leaves.
Per Serving: 5 g sat. fat, 19 mg chol., 26 g Fat, total, 83 g carb., 167 mg sodium, 4 g fiber, 5 g pro., 570 kcal cal.