text:
SFBED is an open data project to provide baseline information about
San Francisco elections in an open, machine-readable, documented, and
structured form.

The end product of the project is a single, static, publicly available
[JSON][json] file (maintained at [`data/sf.json`](data/sf.json)), along
with supporting documentation.  This file is placed in the public domain.
See the [License](#license) section below for details.

The JSON file provides in a structured format information about San
Francisco elections that tends to remain the same from election to election.
This includes things like information about the offices and government
bodies that appear on the ballot, and what precincts and districts they
cover.

Anyone can use this information, for example by [mashing it up][mash_up]
with other election data for your own purposes (e.g. media pieces, research
projects, campaign finance reports, election results, ballot information,
etc.).  The project eliminates the need to manually compile this
information on your own.

See [here][SFBED_gh_page] for a sample web page created from this data.
If you notice any issues with the data or have any other project suggestions,
please file an issue in the [issue tracker][issue_tracker].

SFBED is a project of the [SF Elections Data][sf_elections_data] group
of [Code for San Francisco][code_for_sf].

## Overview

The data is provided as a single JSON file included in this repository:
[`data/sf.json`](data/sf.json).

Examples of the type of information that the project aims to provide include--

* all local, state, and federal offices that appear on San Francisco ballots,
* links to the official web site of each office or office body,
* the lengths of the terms of each office, and
* district information for each office (e.g. list of precincts).

The project focus is on the information that tends to remain the
same from election to election.  Thus, the project does not provide
information about candidates, election results, or current office holders.

To permit a higher guarantee of quality and accuracy, the focus of the
project is on the information that tends to remain the same from election
to election (or that changes infrequently).

## Languages

The project has partial support for [internationalization][i18n] (aka "i18n"),
which means support for multiple languages.  The data provides
translations of some English phrases into the following languages:

* Chinese
* Spanish
* Filipino/Tagalog (limited)

The [San Francisco Department of Elections][SFDOE] currently prints official
ballots in English, Chinese, and Spanish.  In November 2015, the
Department will begin printing official ballots in Filipino (see
[here](http://www.sfmayor.org/index.aspx?recordid=543&page=998) for
information on the San Francisco [Language Access Ordinance][SFLAO], or LAO).

The project would also like to add translations in the following languages--

* Japanese
* Korean
* Vietnamese

In the November 2014 election, in addition to Chinese and Spanish, the
Department of Elections also made translations of election materials
available in the three languages above, as well as Filipino.  Translated
materials included ballots and related instructions, State Voter
Information Guides, and Voter Bill of Rights posters.  Thus, official
San Francisco translations already exist in some form, but just need
to be added to the data.

## Use Cases

Possible uses of the data include "[mashing up][mash_up]" with or otherwise
supplementing presentations of--

* what is on the ballot,
* election results, or
* campaign finance information.

## The Data

For how to interpret the JSON file, see [this page](docs/json.md).

## Sources

See Article XIII: ELECTIONS, SEC. 13.101. TERMS OF ELECTIVE OFFICE. of the
San Francisco Charter for information about terms of offices, etc.

Resources:

* [List of Local Elected Officials](http://www.sfgov2.org/index.aspx?page=832)
* [List of State Elected Officials](http://www.sfgov2.org/index.aspx?page=833)

## Contributors

Contributors should refer to the [contributor documentation](docs/develop.md)
for additional information.

## License

This project (with the exception of the JSON file as described below) is
licensed under the BSD 3-clause license.  See the [`LICENSE`](LICENSE) file
for details.

The database consisting of the JSON file located at
[`data/sf.json`](data/sf.json) in this repository is made available under
the Public Domain Dedication and License v1.0 whose full text can be
found at the file [`data/LICENSE.txt`](data/LICENSE.txt) in this repository,
as well as at the following location:
[http://opendatacommons.org/licenses/pddl/1.0/](http://opendatacommons.org/licenses/pddl/1.0/).

## Author

Chris Jerdonek (<chris.jerdonek@gmail.com>)

[code_for_sf]: http://codeforsanfrancisco.org/
[i18n]: http://en.wikipedia.org/wiki/Internationalization_and_localization
[issue_tracker]: https://github.com/cjerdonek/sf-base-election-data/issues
[json]: http://json.org/
[mash_up]: http://en.wikipedia.org/wiki/Mashup_%28web_application_hybrid%29
[pddl_v1.0]: http://www.opendatacommons.org/licenses/pddl/1.0/
[sf_elections_data]: http://cjerdonek.github.io/sf-elections-data/
[SFBED_gh_page]: http://cjerdonek.github.io/sf-base-election-data
[SFDOE]: http://sfelections.org
[SFLAO]: http://sfgsa.org/index.aspx?page=4450


About Tri-Wood Insurance Agency, Inc. - Dublin, Ohio - Tri-Wood Insurance Agency, Inc.
A customer-first independent insurance agency in Central Ohio.
Tri-Wood Insurance Agency, Inc. is your trusted independent insurance agency throughout all of Ohio and surrounding areas.
Tri-Wood Insurance Agency was established in January of 1982 by William Wood. Today his daughter Trisha DeLong, CISR, is the principal licensed agent and president of the agency, which has grown to be one of the premier insurance agencies serving the entire state of Ohio. Trisha has over 30 years of experience in the insurance industry, with six of those years as a commercial lines and personal lines underwriter with a large regional insurance company.
Tri-Wood Insurance Agency is an independent insurance agency with a broad range of products in personal and business insurance and employee benefits. Some our our specialties include, Home Insurance, Auto Insurance, Business Insurance, Life Insurance and Group Health Insurance.
As an independent insurance agency, we don't just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future. And because we're independent, our priority is you – not the insurance company. We've aligned ourselves with some of the finest national and regional carriers to deliver great products to you.
At the Tri-Wood Insurance Agency, we are committed to customer service and being one of the premier independent insurance agencies in central Ohio. Our commitment is to provide our clients with an exceptional personalized experience in this digital age, and to provide the best insurance coverage and value available.
At Tri-Wood Insurance Agency, Inc., our mission is very simple. We strive to provide a true, concierge client experience which is unique in the insurance industry. We give clients the power of choice from top-rated national and regional insurance carriers. We offer comprehensive insurance solutions throughout all of Ohio, including Dublin, Hilliard, Columbus, Westerville, Worthington, Upper Arlington, Gahanna, Newark, New Albany, Grove City, Canal Winchester, Arlington, Grandview, London, Plain City, Delaware, Westerville, Galloway and surrounding areas.


text:
Who is announcing Thursday in Week 16 between the Jaguars and Jets?
We discuss the announcing team for Week 16's Thursday Night Football game.
By TeddyRicketson@TeddyRicketson Dec 22, 2022, 4:00pm PST
Share All sharing options for: Who is announcing Thursday in Week 16 between the Jaguars and Jets?
Photo by Cooper Neill/Getty Images
Week 16's iteration of Thursday Night Football will take place on Thursday, December 22. The Jacksonville Jaguars will head north to take on the New York Jets in an AFC battle. Kickoff from MetLife Stadium in East Rutherford, New Jersey is set for 8:15 p.m. ET, and the game will be available on Amazon Prime Video.
The TNF crew is back, as it will be Al Michaels, Kirk Herbstreit and Kaylee Hartung will handle the announcing duties. Michaels will bring viewers the play-by-play with Herbstreit adding color commentary and Hartung being on the sidelines.
Jacksonville has a 6-8 record and is in second place in the AFC South. They are coming off back-to-back big wins over Tennessee and Dallas. Trevor Lawrence has been dealing with a toe issue but has begun to show what the team saw in him as a former No. 1 overall draft pick. Even if the weather ends up being a factor, this further favors Jacksonville with their running backs.
The Jets were starting to build momentum until Mike White suffered an injury from some big hits he took against the Buffalo Bills. New York ended up losing that game, and then they took the loss against the Detroit Lions last week. They will hope to spark some late-season momentum with a win on Thursday night.
New York is the 1.5-point favorite at DraftKings Sportsbook. The point total is set at 36. The Jets are moneyline favorites at -115, which makes the Jaguars the narrow underdogs installed at -105.

redpajama_set_name: RedPajamaCommonCrawl


Tip·ple – Here we are referring to the noun format of the word which means "an alcoholic drink." It can also mean "to drink." I know I like to tipple a tipple.
I will be reviewing a lot of different tipples in the future. From beer to scotch you will find something to your liking. Below this tab on the main page you will find links to my ratings in different categories. Choose the category you like and have fun! I know I did.


We are seeking a skilled administrator with pensions experience to work in the Pensions Team to assist in the day to day operation and delivery of the University's pensions scheme administration services.
Have experience of administrative work gained within a busy and complex environment.
Use their initiative to solve or refer problems.
Be proficient computer users with excellent attention to detail.
Hours: Part time hours considered up to a maximum of 14.6 hours per week. Requests for flexible working options will be considered (subject to business need).


text:
Q: What is __init__.py for? What is __init__.py for in a Python source directory?

A: In Python the definition of package is very simple. Like Java the hierarchical structure and the directory structure are the same. But you have to have __init__.py in a package. I will explain the __init__.py file with the example below:
package_x/
|--  __init__.py
|--    subPackage_a/
|------  __init__.py
|------  module_m1.py
|--    subPackage_b/
|------  __init__.py
|------  module_n1.py
|------  module_n2.py
|------  module_n3.py

__init__.py can be empty, as long as it exists. It indicates that the directory should be regarded as a package. Of course, __init__.py can also set the appropriate content.
If we add a function in module_n1:
def function_X():
    print "function_X in module_n1"
    return

After running:
>>>from package_x.subPackage_b.module_n1 import function_X
>>>function_X()

function_X in module_n1

Then we followed the hierarchy package and called module_n1 the function. We can use __init__.py in subPackage_b like this:
__all__ = ['module_n2', 'module_n3']

After running:
>>>from package_x.subPackage_b import *
>>>module_n1.function_X()

Traceback (most recent call last):
  File "<stdin>", line 1, in <module>
ImportError: No module named module_n1

Hence using * importing, module package is subject to __init__.py content.

A: One thing __init__.py allows is converting a module to a package without breaking the API or creating extraneous nested namespaces or private modules*. This helps when I want to extend a namespace.
If I have a file util.py containing
def foo():
    ...

then users will access foo with
from util import foo

If I then want to add utility functions for database interaction, and I want them to have their own namespace under util, I'll need a new directory**, and to keep API compatibility (so that from util import foo still works), I'll call it util/. I could move util.py into util/ like so,
util/
  __init__.py
  util.py
  db.py

and in util/__init__.py do
from util import *

but this is redundant. Instead of having a util/util.py file, we can just put the util.py contents in __init__.py and the user can now
from util import foo
from util.db import check_schema

I think this nicely highlights how a util package's __init__.py acts in a similar way to a util module
* this is hinted at in the other answers, but I want to highlight it here
** short of employing import gymnastics. Note it won't work to create a new package with the same name as the file, see this

A: In addition to labeling a directory as a Python package and defining __all__, __init__.py allows you to define any variable at the package level. Doing so is often convenient if a package defines something that will be imported frequently, in an API-like fashion. This pattern promotes adherence to the Pythonic "flat is better than nested" philosophy.
An example
Here is an example from one of my projects, in which I frequently import a sessionmaker called Session to interact with my database. I wrote a "database" package with a few modules:
database/
    __init__.py
    schema.py
    insertions.py
    queries.py

My __init__.py contains the following code:
import os

from sqlalchemy.orm import sessionmaker
from sqlalchemy import create_engine

engine = create_engine(os.environ['DATABASE_URL'])
Session = sessionmaker(bind=engine)

Since I define Session here, I can start a new session using the syntax below. This code would be the same executed from inside or outside of the "database" package directory.
from database import Session
session = Session()

Of course, this is a small convenience -- the alternative would be to define Session in a new file like "create_session.py" in my database package, and start new sessions using:
from database.create_session import Session
session = Session()

Further reading
There is a pretty interesting reddit thread covering appropriate uses of __init__.py here:
http://www.reddit.com/r/Python/comments/1bbbwk/whats_your_opinion_on_what_to_include_in_init_py/
The majority opinion seems to be that __init__.py files should be very thin to avoid violating the "explicit is better than implicit" philosophy.

A: __init__.py will treat the directory it is in as a loadable module.
For people who prefer reading code, I put Two-Bit Alchemist's comment here.
$ find /tmp/mydir/
/tmp/mydir/
/tmp/mydir//spam
/tmp/mydir//spam/__init__.py
/tmp/mydir//spam/module.py
$ cd ~
$ python
>>> import sys
>>> sys.path.insert(0, '/tmp/mydir')
>>> from spam import module
>>> module.myfun(3)
9
>>> exit()
$
$ rm /tmp/mydir/spam/__init__.py*
$
$ python
>>> import sys
>>> sys.path.insert(0, '/tmp/mydir')
>>> from spam import module
Traceback (most recent call last):
  File "<stdin>", line 1, in <module>
ImportError: No module named spam
>>>

A: There are 2 main reasons for __init__.py

*

*For convenience: the other users will not need to know your functions' exact location in your package hierarchy (documentation).
your_package/
  __init__.py
  file1.py
  file2.py
    ...
  fileN.py

# in __init__.py
from .file1 import *
from .file2 import *
...
from .fileN import *

# in file1.py
def add():
    pass

then others can call add() by
 from your_package import add

without knowing file1's inside functions, like
 from your_package.file1 import add

*If you want something to be initialized; for example, logging (which should be put in the top level):
 import logging.config
 logging.config.dictConfig(Your_logging_config)

A: It facilitates importing other python files. When you placed this file in a directory (say stuff)containing other py files, then you can do something like import stuff.other.
root\
    stuff\
         other.py

    morestuff\
         another.py

Without this __init__.py inside the directory stuff, you couldn't import other.py, because Python doesn't know where the source code for stuff is and unable to recognize it as a package.

A: It used to be a required part of a package (old, pre-3.3 "regular package", not newer 3.3+ "namespace package").
Here's the documentation.

Python defines two types of packages, regular packages and namespace packages. Regular packages are traditional packages as they existed in Python 3.2 and earlier. A regular package is typically implemented as a directory containing an __init__.py file. When a regular package is imported, this __init__.py file is implicitly executed, and the objects it defines are bound to names in the package's namespace. The __init__.py file can contain the same Python code that any other module can contain, and Python will add some additional attributes to the module when it is imported.

But just click the link, it contains an example, more information, and an explanation of namespace packages, the kind of packages without __init__.py.

A: The __init__.py file makes Python treat directories containing it as modules.
Furthermore, this is the first file to be loaded in a module, so you can use it to execute code that you want to run each time a module is loaded, or specify the submodules to be exported.

A: An __init__.py file makes imports easy. When an __init__.py is present within a package, function a() can be imported from file b.py like so:
from b import a

Without it, however, you can't import directly. You have to amend the system path:
import sys
sys.path.insert(0, 'path/to/b.py')

from b import a

A: Since Python 3.3, __init__.py is no longer required to define directories as importable Python packages.
Check PEP 420: Implicit Namespace Packages:

Native support for package directories that don't require __init__.py marker files and can automatically span multiple path segments (inspired by various third party approaches to namespace packages, as described in PEP 420)

Here's the test:
$ mkdir -p /tmp/test_init
$ touch /tmp/test_init/module.py /tmp/test_init/__init__.py
$ tree -at /tmp/test_init
/tmp/test_init
├── module.py
└── __init__.py
$ python3

>>> import sys
>>> sys.path.insert(0, '/tmp')
>>> from test_init import module
>>> import test_init.module

$ rm -f /tmp/test_init/__init__.py
$ tree -at /tmp/test_init
/tmp/test_init
└── module.py
$ python3

>>> import sys
>>> sys.path.insert(0, '/tmp')
>>> from test_init import module
>>> import test_init.module

references:
https://docs.python.org/3/whatsnew/3.3.html#pep-420-implicit-namespace-packages
https://www.python.org/dev/peps/pep-0420/
Is __init__.py not required for packages in Python 3?

A: Files named __init__.py are used to mark directories on disk as Python package directories.
If you have the files
mydir/spam/__init__.py
mydir/spam/module.py

and mydir is on your path, you can import the code in module.py as
import spam.module

or
from spam import module

If you remove the __init__.py file, Python will no longer look for submodules inside that directory, so attempts to import the module will fail.
The __init__.py file is usually empty, but can be used to export selected portions of the package under more convenient name, hold convenience functions, etc.
Given the example above, the contents of the init module can be accessed as
import spam

based on this

A: Although Python works without an __init__.py file you should still include one.
It specifies that the directory should be treated as a package, so therefore include it (even if it is empty).
There is also a case where you may actually use an __init__.py file:
Imagine you had the following file structure:
main_methods
    |- methods.py

And methods.py contained this:
def foo():
    return 'foo'

To use foo() you would need one of the following:
from main_methods.methods import foo # Call with foo()
from main_methods import methods # Call with methods.foo()
import main_methods.methods # Call with main_methods.methods.foo()

Maybe there you need (or want) to keep methods.py inside main_methods (runtimes/dependencies for example) but you only want to import main_methods.

If you changed the name of methods.py to __init__.py then you could use foo() by just importing main_methods:
import main_methods
print(main_methods.foo()) # Prints 'foo'

This works because __init__.py is treated as part of the package.

Some Python packages actually do this.  An example is with JSON, where running import json is actually importing __init__.py from the json package (see the package file structure here):

Source code: Lib/json/__init__.py

A: If you're using Python 2 and want to load siblings of your file you can simply add the parent folder of your file to your system paths of the session. It will behave about the same as if your current file was an init file.
import os
import sys
dir_path = os.path.dirname(__file__)
sys.path.insert(0, dir_path)

After that regular imports relative to the file's directory will work just fine. E.g.
import cheese
from vehicle_parts import *
# etc.

Generally you want to use a proper init.py file instead though, but when dealing with legacy code you might be stuck with f.ex. a library hard-coded to load a particular file and nothing but. For those cases this is an alternative.

A: __init__.py : It is a Python file found in a package directory, it is invoked when the package or a module in the package is imported. You can use this to execute package initialization code, i.e. whenever the package is imported the python statements are executed first before the other modules in this folder gets executed. It is similar to main function of c or Java program, but this exists in the Python package module (folder) rather than in the core Python file.
also it has access to global variables defined in this __init__.py file as when the module is imported into Python file.
for eg.
I have a __init__.py file in a folder called pymodlib, this file contains the following statements:
print(f'Invoking __init__.py for {__name__}')
pystructures = ['for_loop', 'while__loop', 'ifCondition']

When I import this package pymodlib in my solution module or notebook or python console:
These two statements get executed while importing.
So in the log or console you would see the following output:
>>> import pymodlib
Invoking __init__.py for pymodlib

in the next statement of python console: I can access the global variable:
>> pymodlib.pystructures

it gives the following output:
['for_loop', 'while__loop', 'ifCondition']

Now, from Python 3.3 onwards the use of this file has been optional to make folder a Python module. So you can skip from including it in the python module folder.

redpajama_set_name: RedPajamaStackExchange


audioid monitor is a software solution designed for monitoring broadcast media such as TV and radio to report the occurrences of advertising spots, press conferences, political interviews, music or other types of content.
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Its real-time capability enables complete control of synchronized online advertising campaigns to significantly increase the Click-Through-Rates (CTR).


text:
The NCN to finance new projects in basic research
Recently concluded OPUS 7, PRELUDIUM 7 & SONATA 7 calls contribute over € 67 million to basic research in Poland.
In response to the three calls, the NCN received over 5,000 proposals, of which 715 have qualified for funding.
OPUS continues to remain the most popular of the National Science Centre's funding schemes. Its calls are open to all researchers, regardless of their research experience. The funding from the NCN may help finance different types of research activity: the purchase of equipment, employment of co-investigators, research expeditions etc. In the seventh edition of the OPUS calls, as many as 362 research projects across all three research domains (Arts, Humanities & Social Sciences, Life Sciences, Physical Sciences & Engineering) received aggregate funding of over € 50 million.
Dedicated to early-stage researchers is the PRELUDIUM funding scheme. A person submitting a proposal under the PRELUDIUM call has to be a researcher before completion of their doctorate, therefore it is doctoral candidates who make up the majority of applicants. In the recent edition, funding worth ca. € 6 million was granted to 240 proposals.
In the third of the concluded calls, SONATA 7, proposals were sent in by researchers who had been holders of a doctoral degree for no longer than 5 years. Under this funding scheme grantees may purchase equipment that could be instrumental in developing a unique approach or method. This time funding was granted to 113 projects, with the total sum exceeding € 10 million.
Proposals are assessed by our Experts, in the course of a 2-stage peer review, with additional evaluation carried out by External Reviewers from abroad. We are happy to see the number of foreign reviews steadily increase. In the case of OPUS 7, PRELUDIUM 7 & SONATA 7, the second stage of evaluation had a considerable share of reviews made by Experts from abroad: nearly 50 per cent in Arts, Humanities & Social Sciences, 94 per cent in Life Sciences, and 62 per cent in Physical Sciences and Engineering, said professor Andrzej Jajszczyk, director of the NCN.
Regarding distribution of the funding between research domains, Arts, Humanities & Social Sciences received ca. € 11 million, Life Sciences – over € 28 million, Physical Sciences - Engineering – over € 27 million.
Among the projects in Arts, Humanities & Social Sciences, the largest portion of funding was awarded to Settlement History of Iraqi Kurdistan 2, led by dr hab. Rafał Koliński from the Adam Mickiewicz University in Poznań, a continuation to the research of the history and cultural heritage of the Aqrah-Bardarash plain, which started in 2012. The project, worth € 355,000, will be carried out under the OPUS scheme.
The largest grant in the domain of Life Sciences, amounting to ca. € 473,000, was awarded to the project on metabolic profiling of individuals with classic and genetic risk factors of coronary artery disease, led by doctor Tadeusz Osadnik. It will be carried out at the Silesian Centre for Heart Disease in Zabrze.
The top funding in Physical Sciences and Engineering was given to the project Intelligent Radiation Detector with Inter-pixel Communication and Time of Arrival Measurements for Implementation in Technologies of Extreme Scale of Integration. The Principal Investigator of the project, worth over € 350,000, is professor Grzegorz Deptuch from the AGH University of Science and Technology in Krakow.
The full list of awardees can be found here (available only in Polish).


This awesome Aquarius Duck has a 85Hp Yamaha with trim and tilt motors. Included is a galvanized trailer. Pontoons are in excellent condition.
On a galv, double axle breakneck trailer. Boat is rigged with 2x 85Hp Yamaha motors with beaching kits and trim and tilts, push pole for easy launching, a bum seat and plenty of seating and storage.
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On a galv breakneck trailer with a 1x 85Hp Yamaha 1998 model and equip with fishfinder, Vhf radio and safety. Very neat and in good condition.
On a galv trailer with 2x 55Hp Mariner motor with sun canopy and plenty room for seating.


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Glaze colors. Lf089. Keypress. Christmas gift: Wecollection. Wholesale colostrum milk. Safe package. Strongwell. Sunglory. Mug detail 1: Do not put in the sterilizer. Spirited away haku.


The Astro portable wireless speaker is not your average bluetooth speaker. It's less. But sometimes less is more. What this speaker does differently is remove the need for software to change the audio coming from the speaker. There really isn't any software that is altering the quality of the music coming from the speakers. This speaker utilizes simplicity. There is only 1 button on the entire device, which is used for On/Off.
The device has a loop on the left which can be used for either carrying the speaker or for tying it to something. There is a closed flap to cover the area where you can charge the device or to put in the 3.5 mm headphone input.
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← iPhone 6s Chipgate – Did You Get the Slow Apple Processor?


text:
<?php
if(!defined('DS'))define('DS', DIRECTORY_SEPARATOR);
ini_set('display_errors', 1);
ini_set('log_errors', 1);
ini_set('error_log', dirname(__FILE__).DS.'DEBUG_error_log.txt');
error_reporting(E_ALL);		//php 5 only

if(!file_exists('config.json')){
	die('File Not Found: '.__DIR__.DS.'config.json');
}

if(!function_exists('json_decode')){
	die('Expected method: json_decode');
}

$config=json_decode(file_get_contents('config.json'));

if(empty($config)){
	die('Failed to decode json: config.json');
}

if(!key_exists('easyimage', $config)){
	die('Missing Key: config.json->easyimage');
}

if(!file_exists($config->easyimage)){
	die('File Not Found: config.json->easyimage:\''.$config->easyimage.'\'');
}

if(!(key_exists('file', $_GET)&&key_exists('file', $_GET))){

	//access to this file directly
	echo 'mod-rewrite-asset-tint: success';
	return;
}

$default=dirname(__FILE__).DS;

$file=dirname(__FILE__).DS.urldecode($_GET['file']);
$e_ex=explode('.', $file);
$ext=array_pop($e_ex);
$tint=$_GET['tint'];
//die(print_r($_GET,true));
$rgb=explode(',', $tint);
//$brightness=key_exists('bright', $_GET)?(int)$_GET['bright']:0;
$contrast=key_exists('contrast', $_GET)?(int)$_GET['contrast']:255;
//$smoothness=key_exists('smooth', $_GET)?(int)$_GET['smooth']:0;

$r_0_ex=explode('(', $rgb[0]);
$r_0_po=array_pop($r_0_ex);

$rgb[0]=(int) trim($r_0_po);

$rgb[1]=(int) trim($rgb[1]);

$r_2_ex=explode(')', $rgb[2]);
$r_2_sh=array_shift($r_2_ex);

$rgb[2]=(int) trim($r_2_sh);

if(file_exists($file)&&in_array($ext, array('png', 'jpg', 'gif', 'jpeg'))){

	//dirname(dirname(dirname(__FILE__))).DS.'library'.DS.'easyimage'.DS.'easyimage.php';
	$toolpath=$config->easyimage;
	include_once $toolpath;
	$image=EasyImage::Open($file);
	$s=EasyImage::GetSize($image);

	$tinted=imagecreatetruecolor($s['w'], $s['h']);
	$color=imagecolorallocatealpha($tinted, $rgb[0], $rgb[1], $rgb[2], 127);

	imagefill($tinted, 0, 0, $color);

	//imagesavealpha($image, true);
	//$tinted=EasyImage::Open($file);
	//imagesavealpha($tinted, true);

	//imagefilter($tinted, IMG_FILTER_CONTRAST, $contrast);
	//imagefilter($tinted, IMG_FILTER_BRIGHTNESS, $brightness);
	//imagefilter($tinted, IMG_FILTER_SMOOTH, $smoothness);
	//imagefilter($tinted, IMG_FILTER_COLORIZE, $rgb[0], $rgb[1], $rgb[2]);

	//$s=EasyImage::GetSize($image);
	for($x=0;$x<$s['w'];$x++){
		for($y=0;$y<$s['h'];$y++){

			$a=imagecolorsforindex($image, imagecolorat($image, $x, $y));
			$t=imagecolorsforindex($tinted, imagecolorat($tinted, $x, $y));

			imagesetpixel($tinted, $x, $y, imagecolorallocatealpha($tinted, $t['red'], $t['green'], $t['blue'], $a['alpha']));
			//echo print_r(array($x, $y, $a, $t), true).'
';
		}
	}

	imageAlphaBlending($tinted, true);
	imageSaveAlpha($tinted, true);
	//die();

	header('Content-Type: image/png;');
	imagepng($tinted);

}else{
	header("HTTP/1.0 404 Not Found");
}

redpajama_set_name: RedPajamaGithub


text:
THE MIRAGE LAS VEGAS is now owned and operated by Hard Rock International. Learn More
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Unity™ by Hard Rock
Rock Shop
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About Hard Rock
Hard Rock and the Seminole Tribe of Florida: the perfect marriage of two kindred spirits. Hard Rock's philosophy has always been based on strong values, including the importance of being authentic and independent and a shared service for preserving our wildlife and protecting our planet.
First cafe opened at Old Park Lane, Mayfair, London, founded by two Americans Isaac Tigrett and Peter Morton in 1971. The Seminole Tribe of Florida purchased Hard Rock in 2007 which now has venues in more than 68 countries around the world.
Seminole Tribe of Florida
Building on its rich heritage of courageous and groundbreaking achievements, the Seminole Tribe of Florida acquired the Hard Rock brand in 2007 and is now poised to expand its horizon even further, to all corners of the globe.
Memorabilia Collection
Hard Rock owns the world's largest and most valuable collection of authentic music memorabilia at more than 86,000 pieces, including autographed guitars, costumes from world tours and rare photographs.
Our Memorabilia
Slash (Guns 'n Roses)
Serving People & Our Planet
Our brand plants the roots of its global soul in every place we live. Hard Rock founders, Isaac Tigrett and Peter Morton, were two young Americans who brought together American food and rock 'n' roll in London, heart of the world's music scene in 1971. They wanted a cafe that embraced everyone, whatever their background, to unify a world where "bankers did not hang out with bakers."
Explore Our Mottos
Award Winning Performances
Hard Rock International is one of the most globally recognized brands and winning awards is a result of our commitment to our fans and employees.
Group Leisure & Travel 2020 - Best Group Dining
JD Powers #1 Guest Satisfaction
Global Gaming Awards
Forbes- Leading Employer For Women 2019
Forbes - Best Large Employer 2019
Hard Rock Cafe Franchise Opportunities
Hard Rock International maintains over 80% favorable global brand recognition and has more than 250 + Cafe, Hotel, Casino, Live and Rock Shop venues in over 70 countries. Hard Rock continues to globally define what a lifestyle destination experience can be.
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Copyright © Hard Rock Cafe International (USA), Inc. All Rights Reserved.


We've been trying to catch up and keep up with life while making sure to get at least one post out to you all each week! It has been an awesome last few weeks (I've been home only 2 of the 5) as travel has been on my brain :).
Don't worry about a thing – I'll be sharing the stories and pictures with you all of the trips, and also how in the world I have kept on with my debt free journey while enjoying the places I've visited.
Speaking of debt! We wanted to share a story that was posted a month ago, but we just realized happened! I was featured on debt.com!!
Both Jack and I have been sharing more of our stories with you all and it has been a blast. Brian (article author) reached out to me to see if I would be interested in sharing my story, and hopefully motivating others to become debt free. I said yes of course!!
Check out the article below and let us know what you think!
SN – we have some awesome guest posts on the way from queens of their kingdom and also a few of our own on fellow blogs. We're happy to announce summer is finally here and that we still love writing on the blog, learning from you all, and reading articles in the personal finance community! Keep building!


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The Washington Capitals lowered the curtain on the 2017 portion of their 2017-2018 regular season at home against the New Jersey Devils on Saturday night. When it was over, the Caps had a 5-2 win and the top spot in the Metropolitan Division to end 2017.
The best thing that could happen playing a team coming in for the second of a back-to-back set of games would be to get an early goal. The Caps did just that less than three minutes into the contest when Christian Djoos carried the puck behind the Devils' net, came out the other side, and found Tom Wilson parked at the top of the crease for a one-timer that beat goalie Cory Schneider to the blocker side. The Caps had a 1-0 lead 2:26 into the game.
Nine minutes later the Caps doubled their margin, and Djoos doubled his points. He started the scoring play, carrying the puck down the left wing, leaving it for Alex Ovechkin at the top of the left wing circle. Ovechkin sent the puck across to Nicklas Backstrom at the bottom of the right wing circle, and Backstrom closed the loop, finding Djoos in left wing circle for a lay-up into the open side of the net that Schneider vacated trying to defend Backstrom. Caps had a 2-0 lead at the 11:09 mark.
The Devils got on the board late when John Moore converted a cross-ice pass from Travis Zajac for a one-timer that beat Braden Holtby at 17:35 of the period.
Although the Caps had a shots and shot attempts advantage for much of the period, the Devils finished the frame even with the Caps in shots with 12 apiece, while the Caps had a 22-21 advantage in shot attempts.
The Caps got their first power play of the game in the period's sixth minute, and they made it count. The Caps wore down the Devils in the second minute of the man advantage by maintaining offensive zone control. Finally, Nicklas Backstrom peeked out from behind the New Jersey net and lifted a pass over the stick of defenseman Sami Vatanen and right into John Carlson's wheelhouse. Carlson smashed a screaming one-timer over Schneider's blocker, and it was 3-1 at the 7:01 mark.
It would be the only scoring in the period as the Caps denied the Devils a goal on a New Jersey power play late in the frame. Washington out-shot the Devils, 10-7, and had a 22-20 edge in shot attempts for game totals of 22-19, Caps, in shots and 44-41, Caps, in shot attempts.
The Caps had been playing one of their best games from a passing standpoint through two periods, and they carried into the third period to score a goal that looked a lot like the Djoos goal in the first period. Matt Niskanen was the defenseman starting the play in the offensive end, again carrying the puck, as Djoos did earlier, down the left side. Niskanen left the puck for Alex Ovechkin, who sent it across to Devante Smith-Pelly. With Schneider once more getting over to defend the player in the right wing circle, Smith-Pelly sent it back across to Niskanen, who had a lay-up into another all but empty net to make it 4-1 4:25 into the period.
New Jersey got that goal back less than five minutes later when Travis Zajac converted a feed from Marcus Johansson to beat Holtby from the doorstep at the nine-minute mark.
Nicklas Backstrom added an empty net score with 41 seconds left to close out the scoring and give the Caps a 5-2 win.
-- Alex Ovechkin (0-3-3), John Carlson (1-2-3), and Nicklas Backstrom (1-2-3) finished with three-points. It was the second time this season that the Caps had three players with three-point games (Backstrom, Ovechkin, and Tom Wilson in a 6-2 win over the Chicago Blackhawks on December 6th).
-- Christian Djoos' goal and an assist gave the Caps four players with multi-point games, tying their season high in players with two or more points. One of those times was against this same Devils team, in a 5-2 win on October 13th.
-- Tom Wilson was a force in front of the net again, planting himself at the top of the crease to convert a Christian Djoos feed. His sixth goal closed to within one of his career best, reached in each of the last two seasons. And, it was his fifth straight game without a penalty minute, a season high.
-- Jakub Vrana did not have a shot attempt in 10:38 of ice time. On a night where the Caps were flinging the rubber around, this stood out as odd.
-- Jay Beagle and Taylor Chorney also did not register a shot attempt. Beagle was 13-for-16 on faceoffs, though (81.3 percent).
-- Alex Ovechkin's three-assist night was his third of the season (the win over Chicago in December and against Edmonton in late-October). It was the 14th game of his career with three or more assists.
-- The Caps lifted their record to 8-5-2 when awarded two or fewer power plays, 6-5-1 when holding an opponent to two or fewer power plays, 3-3-1 when both they and their opponent were held to two or fewer power plays.
-- The Caps are now 17-0-0 when scoring four or more goals in a game this season.
-- Braden Holtby won his seventh straight game on home ice. He has a GAA in those games of 2.26 and a save percentage of .926.
-- Marcus Johansson recorded assists on both New Jersey goals for a successful (on an individual level) return to Washington.
The Caps finished 2017 as they started it, with a win. More important, they finished the calendar year at the top of the Metropolitan Division. Compare that to January 1st, when they were in fourth place in the Metro. This game showed off the Caps' ability to pass, although for the glass-half-empty crowd it might be viewed as a case of getting off easy with too many instances of one too many passes. Still, though, things clicked in a way that they have not in many instances this season. Every pass it seemed was on someone's tape. For the glass-half-full crowd, it might be seen as the team finally getting a sense of itself and what it is. What they are, at least in one area, is what they have been for a decade – hard to beat at home. Their 16th win on home ice this season tied them with Tampa Bay for the league lead in home wins. And, it was a milestone win for head coach Barry Trotz, whose 737th career win passed Lindy Ruff for fifth place on the all-time list. All in all, a nice way to end the year and something off which to build in the new year.


The Juroku Bank Ltd - Strategy, SWOT and Corporate Finance Report, is a source of comprehensive company data and information. The report covers the company's structure, operation, SWOT analysis, product and service offerings and corporate actions, providing a 360˚ view of the company.
The Juroku Bank, Ltd. (Juroku Bank) is a provider of banking, leasing and other financial solutions. Its key offerings include deposits; mortgages; debit and credit cards; and loans for home, car, education, and home improvement. It provides insurance coverage for education, medical and cancer, individual annuity and life risks. Juroku Bank offers online banking, foreign currency exchange,business management; and funding support including venture support, legal and tax consultation, business matching, overseas support, private placement bonds, and personal computer services. It also offers leasing services, credit guarantee, safe deposit boxes, and asset management. The bank operates through branches primarily in Gifu and Aichi prefectures in Japan; and has representative offices in Hong Kong, Shanghai, Bangkok and Singapore. Juroku Bank is headquartered in Gifu, Japan.
Gain understanding of The Juroku Bank Ltd and the factors that influence its strategies.
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Sciurus carolinensis (aka the Grey Squirrel) has been destroying everything we hold dear since the moment our ancestors decided to take a load off under the shade of a tree. They've overrun our parks, universities, and even our homes. Make no mistake, we are at war with the squirrels, and they're winning.
It was the photobomb seen round the world when, in 2009, a Golden-mantled Ground Squirrel (aka Crasher Squirrel) inserted himself into Melissa and Jackson Brant's vacation pic at Banff National Park. And now we've learned that Redditor supplenupple was recently on the receiving end of a vicious attack in Florida, when he naively tried to pose for a selfie with a squirrel. Thankfully, his mother witnessed the attack and documented it to provide evidence to the proper authorities.
It's the top of the ninth inning between the Cleveland Indians and the Chicago White Sox, and this squirrel is in no rush to leave the field. He's even so bold as to taunt Umpire Larry Vanover at the 2:20 mark. Maybe he feels so confident because deep underground, beneath the stadium, lies one of the largest squirrel bunkers in America, holding not only a vast stash of acorns but also plans to destroy the human race. Just a thought.
How hard is it to waterski, really? Haven't human beings already demonstrated that we excel in this area? From Elvis's role as a water-ski instructor in 1967's Clambake, to Fonzie literally jumping the shark on Happy Days, to the famous Cypress Gardens show in Florida (Water Skiing Capitol of the World, by the way). Homo sapiens excel on the water. Step off, squirrels, I think we got this.
It's all fun and games until somebody stumbles home from the bar too loaded to climb the steps to their apartment. Consider this the squirrel version. These folks came home to find that the rodents had devoured fermented pumpkins, which somewhat diminished their tree-climbing performance.
Squirrels aren't dumb. They rely on highly evolved Squirrel PSYOPS to slowly drive us insane, and our bird feeders have always been at the front lines of their diabolical warfare. Sure, we've tried all sorts of clever tricks to beat them back—obstacles, complicated pulley systems, and even electric shocks—but they mock our every attempt. We're getting a sinking feeling it could be an impossible mission.
Is nothing sacred? A true Jedi must study for a lifetime to wield a lightsaber. This guy just leaves some tiny weapons out for the squirrels in his backyard. I'm sensing a disturbance in the Force.
I've never met The Huntress—and I'm sure she's a terrific cook—but I'm 100 percent sure that she just ruined a perfectly good cheesemelt. Even though we're dedicated meat lovers in America, there's a good reason we've got so many squirrels running around.
Go ahead and put this video on repeat, because the pyrotechnic display you're witnessing is happening all across the nation, and officials firmly point the finger at squirrels. A terrifying new breed of kamikaze squirrels are frying themselves to oblivion to destroy our infrastructure, and the list of some of their targets is chilling.
One infamous Tampa incident started with a squirrel chewing through a power line and ended with the failure of a water treatment plant; residents had to boil their water for 37 straight days. Then there's this: Squirrels have successfully shut down our financial system on multiple occasions, halting trading on the NASDAQ in 1987, 1994, and some believe again in August 2013.
Good taxidermy makes one think of the majestic, unsettled world of nature and provides a platform for a talented taxidermist to show off his or her skill. You can see it in the 12 point buck who's been rendered in muscular mid-leap, the grizzly bear towering ominously on two legs, and the squirrel who bravely rides a rattlesnake, bronco-style. Wait, what?
Squirrels appear to be getting more brazen in recent years, as this unexpected footage of a squirrel that appeared in BBC Two's Great British Bake-Off demonstrates. It would seem that British squirrels can be just as treacherous as their American counterparts—and maybe even more nuts.


I had three places on my wish list, and Momofuku-anything was at the top. However, getting into Momofuku Noodle Bar on a Saturday night is tough (especially with a party of 9) but after waiting an hour and a half and splitting our group in two, it was a dream come true. Green Light: Momofuku ramen ($16) was savory, slippery and made with love; with luscious chunks of pork belly and a perfectly poached egg. Spotlight: melt in your mouth pork belly buns. Everyone from Anthony Bourdain to Martha Stewart raves about these famous buns and now I know why.
We also visited Momofuku Milk Bar, which turned out to be a smallish take-out dessert spot hidden in the Chambers Hotel. Green Light: the Cinnamon Bun Pie has built-in cream cheese icing (genius!), we also liked the yummy peanut butter and compost cookies. Yellow light: the Candy Bar Pie was a little bit too sweet, in my opinion (like a Reese's, Snickers and Rolo all at the same time, with a pretzel). Spotlight: their famous Crack Pie had an addicting, custard-y, butterscotch-y taste that made you want to swallow more and more with each bite.
We also made sure to try the Shake Shack, which some say is like the In & Out of the E. Coast (I think it's even better, and I love In & Out). Green Light: perfectly cooked, deliciously seasoned burgers and cheese fries. Yellow Light: the peanut butter fan in me had to try the salted peanut butter hot chocolate, which was good if not a little too rich. Spotlight: here they have concretes - which is kind of a cross between a sundae and a shake. All I can say is wow. Their Pumpkin Pie Oh My Concrete (vanilla frozen custard with a piece of pumpkin pie blended together) is one of the best things I've ever tasted.
I lived in NY for a few years and my fave bagels were from H&H, so I had to visit for old times' sake. Green Light: cinnamon raisin bagels: firm and toothsome on the outside, soft and chewy on the inside, best when eaten still warm. Another Green Light: strawberry cheesecake from Junior's: dense, creamy and flavorful with just the right amount of tart and sweet. Unfortunately, a a return visit to a former favorite spot, Gray's Papaya turned out some underwhelming hot dogs - Red Light.
Lastly, a BIG Green Light for the Halal Guys in midtown. Open from 7:30pm-4am, this food cart (my sister's bf Pat-strami did the research, and these guys at this particular location are the best) serves a $6 platter of some of the best chicken or lamb gyro and rice ever. Fresh, tender and perfectly spiced with an awesome white (mayo? yogurt?) sauce. At $6 it's one of the best, and most delicious deals in town.
And this is only the first half. The eating continues...Part 2 next week!
Green light as mean good to go?


text:
LA City (North Central/Mission Hills & Panorama City) PUMA, CA
In 2017, LA City (North Central/Mission Hills & Panorama City) PUMA, CA had a population of 147k people with a median age of N/A and a median household income of $48,747. Between 2016 and 2017 the population of LA City (North Central/Mission Hills & Panorama City) PUMA, CA grew from 146,612 to 147,267, a 0.447% increase and its median household income grew from $45,546 to $48,747, a 7.03% increase.
The population of LA City (North Central/Mission Hills & Panorama City) PUMA, CA is 71.1% Hispanic or Latino, 13.8% Asian Alone, and 11.1% White Alone. 80.5% of the people in LA City (North Central/Mission Hills & Panorama City) PUMA, CA speak a non-English language, and 72.5% are U.S. citizens.
The largest universities in LA City (North Central/Mission Hills & Panorama City) PUMA, CA are National Career College (168 degrees awarded in 2016).
The median property value in LA City (North Central/Mission Hills & Panorama City) PUMA, CA is $386,000, and the homeownership rate is 41.4%. Most people in LA City (North Central/Mission Hills & Panorama City) PUMA, CA commute by N/A, and the average commute time is 25.1 minutes. The average car ownership in LA City (North Central/Mission Hills & Panorama City) PUMA, CA is N/A per household.
LA City (North Central/Mission Hills & Panorama City) PUMA, CA borders LA City (Northwest/Chatsworth & Porter Ranch) PUMA, CA, LA City (Northwest/Encino & Tarzana) PUMA, CA, LA City (North Central/Van Nuys & North Sherman Oaks) PUMA, CA, LA (North Central/Arleta & Pacoima) & San Fernando Cities PUMA, CA, LA City (North Central/Granada Hills & Sylmar) PUMA, CA, and LA City (Northeast/Sunland, Sun Valley & Tujunga) PUMA, CA.
Photo by Thomas Hawk
United StatesCalifornia
The economy of LA City (North Central/Mission Hills & Panorama City) PUMA, CA employs 61.5k people. The largest industries in LA City (North Central/Mission Hills & Panorama City) PUMA, CA are Restaurants & Food Services (5,560 people), Construction (5,034 people), and Hospitals (3,212 people), and the highest paying industries are National security & international affairs ($100,830), Electric & gas, and other combinations ($82,826), and Water, steam, air-conditioning, & irrigation systems ($80,292).
Median household income in LA City (North Central/Mission Hills & Panorama City) PUMA, CA is $48,747. Males in LA City (North Central/Mission Hills & Panorama City) PUMA, CA have an average income that is 1.08 times higher than the average income of females, which is $38,178. The income inequality in LA City (North Central/Mission Hills & Panorama City) PUMA, CA (measured using the Gini index) is 0.418, which is lower than than the national average.
Households in LA City (North Central/Mission Hills & Panorama City) PUMA, CA have a median annual income of $48,747, which is less than the median annual income of $60,336 across the entire United States. This is in comparison to a median income of $45,546 in 2016, which represents a 7.03% annual growth.
Look at the chart to see how the median household income in LA City (North Central/Mission Hills & Panorama City) PUMA, CA compares to that of it's neighboring and parent geographies.
In 2017, full-time male employees in LA City (North Central/Mission Hills & Panorama City) PUMA, CA made 1.08 times more than female employees.
This chart shows the gender-based wage disparity in the 5 most common occupations in LA City (North Central/Mission Hills & Panorama City) PUMA, CA by number of full-time employees.
$63,475 ± $216,391
American Indian and Alaska Native tribes specified; or American Indian or Alaska Native, not specified and no other races
In 2017 the highest paid race/ethnicity of LA City (North Central/Mission Hills & Panorama City) PUMA, CA workers was American Indian. These workers were paid 1.42 times more than American Indian and Alaska Native tribes specified; or American Indian or Alaska Native, not specified and no other races workers, who made the second highest salary of any race/ethnicity.
This chart shows the race- and ethnicity-based wage disparities in the 5 most common occupations in LA City (North Central/Mission Hills & Panorama City) PUMA, CA by number of full-time employees.
In 2017, the income inequality in LA City (North Central/Mission Hills & Panorama City) PUMA, CA was 0.418 according to the GINI calculation of the wage distribution. Income inequality had a 1.3% decline from 2016 to 2017, which means that wage distribution grew somewhat more even.
The 2017 the GINI for LA City (North Central/Mission Hills & Panorama City) PUMA, CA was lower than than the national average of 0.479. In other words, wages are distributed more evenly in LA City (North Central/Mission Hills & Panorama City) PUMA, CA in comparison to the national average.
This chart shows the number of workers in LA City (North Central/Mission Hills & Panorama City) PUMA, CA across various wage buckets compared to the national average.
TotalWhiteBlackNative AmericanAsianPacific IslanderTwo Or MoreHispanic
In 2016, the PUMA with the highest Median Household Income (Total) in LA City (North Central/Mission Hills & Panorama City) PUMA, CA was N/A with a value of N/A, followed by N/A and N/A, with respective values of N/A and N/A.
The following map shows all of the PUMAs in LA City (North Central/Mission Hills & Panorama City) PUMA, CA colored by their Median Household Income (Total).
N/A% of the population for whom poverty status is determined in LA City (North Central/Mission Hills & Panorama City) PUMA, CA (N/A out of N/A people) live below the poverty line, a number that is approximately the same as the national average of 13.4%. The largest demographic living in poverty are N/A N/A, followed by N/A N/A and then N/A N/A.
The most common racial or ethnic group living below the poverty line in LA City (North Central/Mission Hills & Panorama City) PUMA, CA is false, followed by false and false.
From 2016 to 2017, employment in LA City (North Central/Mission Hills & Panorama City) PUMA, CA grew at a rate of 2.96%, from 59.7k employees to 61.5k employees.
The most common job groups, by number of people living in LA City (North Central/Mission Hills & Panorama City) PUMA, CA, are Cashiers (2,418 people), Personal care aides (1,816 people), and Driver/sales workers & truck drivers (1,787 people). This chart illustrates the share breakdown of the primary jobs held by residents of LA City (North Central/Mission Hills & Panorama City) PUMA, CA.
The most common jobs held by residents of LA City (North Central/Mission Hills & Panorama City) PUMA, CA, by number of employees, are Cashiers (2,418 people), Personal care aides (1,816 people), and Driver/sales workers & truck drivers (1,787 people).
Compared to other pumas, LA City (North Central/Mission Hills & Panorama City) PUMA, CA has an unusually high number of residents working as Sewing machine operators (7.39 times higher than expected), Computer operators (5.65 times), and Graders & sorters, agricultural products (4.97 times).
The highest paid jobs held by residents of LA City (North Central/Mission Hills & Panorama City) PUMA, CA, by average salary, are Producers & directors ($117,302), Medical & health services managers ($114,652), and Medical scientists, & life scientists, all other ($100,505).
The most common employment sectors for those who live in LA City (North Central/Mission Hills & Panorama City) PUMA, CA, are Restaurants & Food Services (5,560 people), Construction (5,034 people), and Hospitals (3,212 people). This chart shows the share breakdown of the primary industries for residents of LA City (North Central/Mission Hills & Panorama City) PUMA, CA, though some of these residents may live in LA City (North Central/Mission Hills & Panorama City) PUMA, CA and work somewhere else. Census data is tagged to a residential address, not a work address.
The most common industries in LA City (North Central/Mission Hills & Panorama City) PUMA, CA, by number of employees, are Restaurants & Food Services (5,560 people), Construction (5,034 people), and Hospitals (3,212 people).
Compared to other pumas, LA City (North Central/Mission Hills & Panorama City) PUMA, CA has an unusually high number of Soap, cleaning compound, & cosmetics manufacturing (7.72 times higher than expected), Motion pictures & video industries (7.29 times), and Cut & sew apparel manufacturing (6.87 times) industries.
The highest paying industries in LA City (North Central/Mission Hills & Panorama City) PUMA, CA, by average salary, are National security & international affairs ($100,830), Electric & gas, and other combinations ($82,826), and Water, steam, air-conditioning, & irrigation systems ($80,292).
Domestic production and consumption consists of products and services shipped from California to other states, or from other states to California.
$196B
Mixed freight
In 2015, the top outbound California product (by dollars) was Electronics with $196B, followed by Mixed freight with $157B and Gasoline and $127B.
The following chart shows the share of these products in relation to all outbound California products.
Showing data for California state.
$1.54T
In 2015, total outbound California trade was $1.54T. This is expected to increase 61.2% to $2.48T by 2045.
The following chart shows how the domestic outbound California trade is projected to change in comparison to its neighboring states.
Interstate trade consists of products and services shipped from California to other states, or from other states to California.
In 2015, the top outbound California domestic partner for goods and services (by dollars) was Texas with $63.1B, followed by Arizona with $42.2B and Washington and $31.2B.
The following map shows the amount of trade that California shares with each state (excluding itself).
N/A% of the population of LA City (North Central/Mission Hills & Panorama City) PUMA, CA has health coverage, with N/A% on employee plans, N/A% on Medicaid, N/A% on Medicare, N/A% on non-group plans, and N/A% on military or VA plans.
Per capita personal health care spending in the puma of LA City (North Central/Mission Hills & Panorama City) PUMA, CA was $7,549 in 2014. This is a 4.04% increase from the previous year ($7,256).
Primary care physicians in LA City (North Central/Mission Hills & Panorama City) PUMA, CA see 1281 patients per year on average, which represents a 0% change from the previous year (1281 patients). Compare this to dentists who see 1214 patients per year, and mental health providers who see 324 patients per year.
Comparing across all counties in the state, Tehama County has the highest prevalence of diabetes (10.6%). Additionally, Tulare County has the highest prevalence of adult obesity (33.4%)
Data is only available at the state level. Showing data for California.
Primary care physicians in California see an average of 1,281 patients per year. This represents a 0% change from the previous year (1,281 patients).
The following chart shows how the number of patients seen by primary care physicians has been changing over time in California in comparison to neighboring states.
Estimated Number of Chronically Homeless IndividualsPercent of Residents with Access To Exercise OpportunitiesPrevalence of Food InsecurityPercent of Occupied Households Lacking Complete Plumbing FacilitiesPercent of Households Lacking Internet Access
Between 2013 and 2014, all personal health care spending per capita in California (including private, Medicare, and Medicaid) grew 4.04%, from $7,256 to $7,549.
Between N/A and N/A, the percent of uninsured citizens in LA City (North Central/Mission Hills & Panorama City) PUMA, CA N/A by N/A from N/A% to N/A%.
The following chart shows how the percent of uninsured individuals in LA City (North Central/Mission Hills & Panorama City) PUMA, CA changed over time compared with the percent of individuals enrolled in various types of health insurance.
DiabetesAdult ObesityHIV DiagnosesSexually Transmitted InfectionsAdult SmokingAlcohol-Impaired Driving DeathsMotor Vehicle Crash DeathsHomicidesViolent Crimes
Alpine County
Tehama County has the highest prevalence of diabetes in California, at 10.6%.
The following map shows the prevalence of diabetes in California by county over multiple years.
LA City (North Central/Mission Hills & Panorama City) PUMA, CA is home to a population of 147k people, from which 72.5% are citizens. As of 2017, N/A% of LA City (North Central/Mission Hills & Panorama City) PUMA, CA residents were born outside of the country.
The ethnic composition of the population of LA City (North Central/Mission Hills & Panorama City) PUMA, CA is composed of 104k Hispanic or Latino residents (71.1%), 20.3k Asian Alone residents (13.8%), 16.2k White Alone residents (11.1%), 3.74k Black or African American Alone residents (2.55%), 1.54k Two or More Races residents (1.05%), 208 Some Other Race Alone residents (0.142%), 192 American Indian & Alaska Native Alone residents (0.131%), and 106 Native Hawaiian & Other Pacific Islander Alone residents (0.0723%).
The most common foreign languages spoken in LA City (North Central/Mission Hills & Panorama City) PUMA, CA are Spanish or Spanish Creole (86,313 speakers), Tagalog (10,764 speakers), and Armenian (3,218 speakers).
In N/A, the median age of all people in LA City (North Central/Mission Hills & Panorama City) PUMA, CA was N/A. Native-born citizens, with a median age of N/A, were generally N/A than foreign-born citizens, with a median age of N/A. But people in LA City (North Central/Mission Hills & Panorama City) PUMA, CA are getting N/A. In N/A, the average age of all LA City (North Central/Mission Hills & Panorama City) PUMA, CA residents was N/A.
As of 2017, N/A% of LA City (North Central/Mission Hills & Panorama City) PUMA, CA residents were born outside of the United States, which is approximately the same as the national average of 13.7%. In 2016, the percentage of foreign-born citizens in LA City (North Central/Mission Hills & Panorama City) PUMA, CA was 49%, meaning that the rate has been maintaining.
The following chart shows the percentage of foreign-born residents in LA City (North Central/Mission Hills & Panorama City) PUMA, CA compared to that of it's neighboring and parent geographies.
29,611 ± 3,776 people
In 2017, the most common birthplace for the foreign-born residents of LA City (North Central/Mission Hills & Panorama City) PUMA, CA was Mexico, the natal country of 29,611 LA City (North Central/Mission Hills & Panorama City) PUMA, CA residents, followed by El Salvador with 12,712 and Philippines with 11,265.
As of 2017, 72.5% of LA City (North Central/Mission Hills & Panorama City) PUMA, CA residents were US citizens, which is lower than the national average of 93.1%. In 2016, the percentage of US citizens in LA City (North Central/Mission Hills & Panorama City) PUMA, CA was 71.6%, meaning that the rate of citizenship has been increasing.
The following chart shows US citizenship percentages in LA City (North Central/Mission Hills & Panorama City) PUMA, CA compared to that of it's neighboring and parent geographies.
104k ± 3.57k
Asian Alone
20.3k ± 1.1k
In 2016, there were 5.14 times more Hispanic or Latino residents (104k people) in LA City (North Central/Mission Hills & Panorama City) PUMA, CA than any other race or ethnicity. There were 20.3k Asian Alone and 16.2k White Alone residents, the second and third most common racial or ethnic groups.
The following bar chart shows the 8 races and ethnicities represented in LA City (North Central/Mission Hills & Panorama City) PUMA, CA as a share of the total population.
86,313 speakers (64.4%)
10,764 speakers (8.03%)
3,218 speakers (2.4%)
80.5% of LA City (North Central/Mission Hills & Panorama City) PUMA, CA citizens are speakers of a non-English language, which is higher than the national average of 21.5%. In 2015, the most common non-English language spoken in LA City (North Central/Mission Hills & Panorama City) PUMA, CA was Spanish or Spanish Creole. 64.4% of the overall population of LA City (North Central/Mission Hills & Panorama City) PUMA, CA are native Spanish or Spanish Creole speakers. 8.03% speak Tagalog and 2.4% speak Spanish or Spanish Creole, the next two most common languages.
LA City (North Central/Mission Hills & Panorama City) PUMA, CA has a large population of military personnel who served in false, N/A times greater than any other conflict.
In 2016, universities in LA City (North Central/Mission Hills & Panorama City) PUMA, CA awarded 168 degrees. The student population of LA City (North Central/Mission Hills & Panorama City) PUMA, CA is skewed towards women, with 28 male students and 196 female students.
Most students graduating from Universities in LA City (North Central/Mission Hills & Panorama City) PUMA, CA are Hispanic or Latino (115 and 68.5%), followed by White (25 and 14.9%), Asian (18 and 10.7%), and Black or African American (9 and 5.36%).
The largest universities in LA City (North Central/Mission Hills & Panorama City) PUMA, CA by number of degrees awarded are National Career College (168 and 100%).
The most popular majors in LA City (North Central/Mission Hills & Panorama City) PUMA, CA are Medical Assistant (63 and 37.5%), Medical Office Management (43 and 25.6%), and Health Information & Medical Records Technology (22 and 13.1%).
The median tuition costs in LA City (North Central/Mission Hills & Panorama City) PUMA, CA are $N/A for private four year colleges, and $N/A and $N/A respectively, for public four year colleges for in-state students and out-of-state students.
1 to 2 Year Postsecondary CertificateAssociates Degree
Medical Office Management
Licensed Practical & Vocational Nurse Training
In 2015, the most common concentation for 1 to 2 Year Postsecondary Certificate recipients in LA City (North Central/Mission Hills & Panorama City) PUMA, CA was Medical Office Management with 43 degrees awarded.
This visualization illustrates the percentage of students graduating with a 1 to 2 Year Postsecondary Certificate from schools in LA City (North Central/Mission Hills & Panorama City) PUMA, CA according to their major.
National Career College
In 2016, the LA City (North Central/Mission Hills & Panorama City) PUMA, CA institution with the largest number of graduating students was National Career College with 168 degrees awarded.
In 2016, 15 men were awarded degrees from institutions in LA City (North Central/Mission Hills & Panorama City) PUMA, CA, which is 0.098 times less than the 153 female students who received degrees in the same year.
This chart displays the gender disparity between the institutions in LA City (North Central/Mission Hills & Panorama City) PUMA, CA by degrees awarded.
In 2016 the majority of degrees awarded at institutions in LA City (North Central/Mission Hills & Panorama City) PUMA, CA were to Hispanic or Latino students. These 115 degrees mean that there were 4.6 times more Hispanic or Latino students then the next closest race/ethnicity group, White, with 25 degrees awarded.
The median property value in LA City (North Central/Mission Hills & Panorama City) PUMA, CA was $386,000 in 2017, which is 1.77 times larger than the national average of $217,600. Between 2016 and 2017 the median property value increased from $352,100 to $386,000, a 9.63% increase. The homeownership rate in LA City (North Central/Mission Hills & Panorama City) PUMA, CA is 41.4%, which is lower than the national average of 63.9%. People in LA City (North Central/Mission Hills & Panorama City) PUMA, CA have an average commute time of 25.1 minutes, and they commute by N/A. Car ownership in LA City (North Central/Mission Hills & Panorama City) PUMA, CA is approximately the same as the national average, with an average of N/A per household.
In 2017, the median household income of the N/A households in LA City (North Central/Mission Hills & Panorama City) PUMA, CA grew to $48,747 from the previous year's value of $45,546.
The following chart displays the households in LA City (North Central/Mission Hills & Panorama City) PUMA, CA distributed between a series of income buckets compared to the national averages for each bucket. The largest share of households have an income in the N/A range.
In 2017, the median property value in LA City (North Central/Mission Hills & Panorama City) PUMA, CA grew to to $386,000 from the previous year's value of $352,100.
The following charts display, first, the property values in LA City (North Central/Mission Hills & Panorama City) PUMA, CA compared to it's parent and neighbor geographies and, second, owner-occupied housing units distributed between a series of property value buckets compared to the national averages for each bucket. In LA City (North Central/Mission Hills & Panorama City) PUMA, CA the largest share of households have a property value in the N/A range.
This chart shows the households in LA City (North Central/Mission Hills & Panorama City) PUMA, CA distributed between a series of property tax buckets compared to the national averages for each bucket. In LA City (North Central/Mission Hills & Panorama City) PUMA, CA the largest share of households pay taxes in the $3k+ range.
In 2017, 41.4% of the housing units in LA City (North Central/Mission Hills & Panorama City) PUMA, CA were occupied by their owner. This percentage declined from the previous year's rate of 41.9%.
This percentage of owner-occupation is lower than the national average of 63.9%. This chart shows the ownership percentage in LA City (North Central/Mission Hills & Panorama City) PUMA, CA compared it's parent and neighboring geographies.
The following chart displays the households in LA City (North Central/Mission Hills & Panorama City) PUMA, CA distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in LA City (North Central/Mission Hills & Panorama City) PUMA, CA have N/A, followed by N/A.
Using averages, employees in LA City (North Central/Mission Hills & Panorama City) PUMA, CA have a similar commute time (25.1 minutes) than the normal US worker (25.1 minutes). Additionally, N/A% of the workforce in LA City (North Central/Mission Hills & Panorama City) PUMA, CA have "super commutes" in excess of 90 minutes.
The chart below shows how the median household income in LA City (North Central/Mission Hills & Panorama City) PUMA, CA compares to that of it's neighboring and parent geographies.
In N/A, the most common method of travel for workers in LA City (North Central/Mission Hills & Panorama City) PUMA, CA was N/A, followed by those who N/A and those who N/A.
LA City (Northwest/Chatsworth & Porter Ranch) PUMA, CA
LA City (Northwest/Encino & Tarzana) PUMA, CA


text:
NatGeo Needs 4 Covers To Capture 2021
Fresh, News December 5, 2021December 16, 2021 Ilana Greenberg
Four Covers Address COVID, Climate, Conflict, Conservation
National Geographic has published its Year in Pictures campaign, featuring images that embody 2021's turbulence – from political rancor and climate change to COVID developments and conflicts around the globe.
With a cooler of COVID-19 vaccines in hand, Nazir Ahmed looks for shepherds and nomadic herders in the meadows of Tosamaidan, southwest of Srinagar in the Indian territory of Jammu and Kashmir. In the race to vaccinate against the SARS-CoV-2 virus, health-care workers have gone to extreme lengths to reach remote communities. From Srinagar, it took Ahmed and a half dozen colleagues three hours driving and then walking to reach this isolated spot. They spent four hours searching for people and vaccinated more than 10. (Dar Yasin/AP PHOTO)
The January issue is presented this year through four covers, each reflecting a major theme of 2021 – COVID, climate, conflict, and conservation. With almost 2 million photos added to National Geographic's archives in 2021, the four covers and photos from the campaign best document the year through the work of some of the world's most gifted photographers.
Firefighters spent months in 2021 battling to contain California's Dixie fire, which burned nearly a million acres and destroyed most of Greenville, a town of around a thousand. The number and size of wildfires across western North America have increased in recent years, driven in part by climate change, which intensifies hot, dry conditions that suck water from living and dead plants, making them likelier to burn. Part of the solution, scientists agree, is more widespread use of "good" fire: controlled, low-intensity burns that clear leaf litter and brush from the forest floor, reducing the fuel for wildfires. (Photo by Lynsey Addario)
While the January issue is the centerpiece of the Year in Pictures campaign, the digital hub also features an array of additional content, including best animal photos of 2021, 2021 wins for the planet, best science photos of the year, and more.
Planted on parkland around the Washington Monument, the small white flags were both tributes to and symbols of each life lost to COVID-19 in the United States. Artist Suzanne Brennan Firstenberg devised the installation to express the enormity of the national death toll—and also the pain of individual deaths, as mourners decorated flags with loved ones' names and photos. During the roughly three weeks that the installation was in place, the U.S. passed a grim milestone: 700,000 COVID fatalities. (Stephen Wilkes/National Geographic)
Whitney Johnson, NatGeo's Director of Visual and Immersive Experiences, is responsible for putting together the 'Year in Pictures' issue and choosing which photos are featured in this year's campaign.
2021, GDUSA, graphic design magazines, Graphic Design News, Graphic Design USA, NatGeo, National Geographic, Whitney Johnson, Year in Pictures campaign
Enter Our 59th GDUSA Package Design Awards
Pentagram Turns To Type For 2DADS


text:
Q: Change DIV content on mouse-over I have an existing script i've been using for content display. Currently it works when you click on a link. Is it possible to modify it to work on mouse-over instead of a click.
Here is my fiddle:
HTML:

JavaScript:
$( document ).ready(function() {
    $('#1').click();
});

$('#1').click(function() {
  $('.content').html('This is a text example 1');
});

$('#2').click(function() {
  $('.content').html('This is a text example 2');
});

$('#3').click(function() {
  $('.content').html('This is a text example 3');
});

A: Just change click() to mouseover();.
You can also use mouseenter(). See the link for more explanation (link).
DEMO
$( document ).ready(function() {
    $('#1').mouseover();
});

$('#1').mouseover(function() {
  $('.content').html('This is a text example 1');
});

$('#2').mouseover(function() {
  $('.content').html('This is a text example 2');
});

$('#3').mouseover(function() {
  $('.content').html('This is a text example 3');
});

A: Yes. Replace click() with mouseover()
 $( document ).ready(function() {
   $('#1').click();
 });

 $('#1').mouseover(function() {
  $('.content').html('This is a text example 1');
});

$('#2').mouseover(function() {
  $('.content').html('This is a text example 2');
 });
 $('#3').mouseover(function() {
  $('.content').html('This is a text example 3');
});

A: You can just replace click() with mouseover():
$( document ).ready(function() {
$('#1').mouseover();
});

$('#1').mouseover(function() {
$('.content').html('This is a text example 1');
});

$('#2').mouseover(function() {
$('.content').html('This is a text example 2');
});

$('#3').mouseover(function() {
$('.content').html('This is a text example 3');
});

A: Yes, just replace .click() with .hover() or .mouseover() (See the difference between hover and mouseover):
$( document ).ready(function() {
    $('#1').click();
});

$('#1').hover(function() {
  $('.content').html('This is a text example 1');
});

$('#2').hover(function() {
  $('.content').html('This is a text example 2');
});

$('#3').hover(function() {
  $('.content').html('This is a text example 3');
});

Here you can see how it works on Jsfiddle

A: Your code has some deprecated functions issue and shows error if use latest version of jQuery (SyntaxError: Using //@ to indicate sourceMappingURL pragmas is deprecated. Use //# instead)
Change it to:
$(document).ready(function() {
    $('#1, #2, #3').mouseover(function(evt) {
        $('.content').html('This is a text example' + evt.currentTarget.id);
    });
});


As we reported previously, in June 2018, Zillow Group (Zillow) announced that it is no longer under investigation by the CFPB for Real Estate Settlement Procedures Act (RESPA) and UDAAP compliance with regard to its co-marketing program. The CFPB investigation triggered a securities lawsuit filed in the United States District Court for the Western District of Washington (C17-1387-JCC). The plaintiffs alleged in a putative class action that they purchased Zillow shares at an inflated price and were damaged by alleged material misrepresentations by the defendants regarding the Zillow co-marketing program and the CFPB investigation of the program. The court noted that there was a decline in the price of Zillow stock in the two days after Zillow provided an update in August 2017 regarding the status of the CFPB investigation. Underlying the plaintiffs' claims were alleged violations of RESPA with regard to the co-marketing program, which are the focus of this blog post.
The court noted that because the plaintiffs alleged securities fraud under section 10(b) of the Securities Exchange Act of 1934 and section 10b-5 of Securities and Exchange Commission rules, in order to survive a motion to dismiss the complaint must satisfy the general standard of setting forth sufficient factual matter, accepted as true, to state a claim for relief that is plausible on its face, and meet additional standards. One additional standard is that the complaint must state with particularity the circumstances constituting fraud or mistake.
With regard to RESPA, the plaintiffs asserted that the co-marketing program (1) acted as a vehicle to allow real estate agents to make illegal referrals to lenders in exchange for the lenders paying to Zillow a portion of the agents' advertising costs, and (2) facilitated RESPA violations by allowing lenders to pay to Zillow a portion of their agents' advertising costs that was in excess of the fair market value of the advertising services that the lenders received from Zillow. The court found that the plaintiffs failed to sufficiently plead either theory of RESPA liability.
Addressing the plaintiffs' second theory of liability—that the co-marketing program facilitated RESPA violations by allowing lenders to pay more the than fair market value for advertising services they received from Zillow—the court states that the plaintiffs failed to provide particularized facts that demonstrate that the lenders actually paid more than the fair market value of the advertising services they received from Zillow.
While the mortgage industry will welcome the favorable decisions on the RESPA issues, industry members should be mindful that the context is a securities fraud case with specific pleading standards.
On August 22, 2018, Commissioner Perez issued a Memorandum setting forth a no action position relating to the U.S. Office location requirement that went into effect on October 1, 2018. As it relates to mortgage activity, the referenced requirement can be found in Sections 8 and 79 of Public Act 18-173.
The Department indicates in its Memorandum that it received several inquiries concerning the effect of this requirement on licenses presently held and otherwise valid through December 31, 2018, for offices in locations that do not meet the definition of "state." The Memorandum provides that Connecticut is taking a "no action" position with respect to the conduct of activity by licensees from locations that do not meet the definition of "state" through December 31, 2018, provided that the person engaged in such activity is otherwise in compliance with the licensure requirements in effect prior to Public Act 18-173.
Presumably, the licenses for non-"state" offices will not be eligible for renewal. The provisions of the Public Act restricting activity subject to licensure to the U.S. and its territories are emblematic of state regulators' concerns about how to appropriately vet foreign entities, foreign control persons, and foreign MLOs consistent with post-SAFE Act licensure requirements, as implemented by the states, coupled with available NMLS processes surrounding credit reports and criminal background checks.
The veteran will recoup the fees to refinance within 36 months of the date of the loan.
There is a net tangible benefit to the veteran in the form of an interest rate reduction. If a fixed-rate loan is being refinanced with another fixed-rate loan, the rate reduction must be at least 50 basis points. If a fixed-rate loan is being refinanced with an adjustable-rate loan, the rate reduction must be at least 200 basis points. The rate reduction may be achieved through the payment of discount points, subject to limitations.
The refinance loan is made the later of (1) the date that is 210 days after the date on which the first monthly payment is made on the existing loan, or (2) the date on which the sixth monthly payment is made on the existing loan. The seasoning requirement does not apply to a cash-out refinance loan when the principal amount of the new loan exceeds the amount of the loan being refinanced.
The Act includes a corresponding provision under which a VA refinance loan may not be included in a Ginnie Mae securitization unless the loan seasoning requirement in the third bullet point is satisfied. The Act did not provide for a specific effective date for the Ginnie Mae provision, and as a result the requirement became effective upon the Act being signed into law on May 24, 2018, and applied to existing refinance loans that were not already included in a Ginnie Mae securitization. This meant that lenders were unable to include in a Ginnie Mae securitization any of such existing loans if the loans did not satisfy the seasoning requirement.
The Mortgage Bankers Association applauded the action by the House and urged the Senate to swiftly pass the legislation.
As we have previously discussed, that language raised a number of issues, such as what would constitute a "conflict" between the GLBA and the CCPA and whether the language was even consistent with the GLBA insofar as personal information is not collected, processed, sold, or disclosed pursuant to the GLBA. The provision also failed to address the relationship between the CCPA and California's Financial Information Privacy Act.
Extends most protections to 120 days after military service ends (prior provision extended protections for 60 days after the end of military service).
Expands the 6% interest rate cap to include student loans, with the 6% rate to remain in effect for one year after the period of military service ends.
Extends the ability to defer payments on certain obligations to include student loans.
Extends the right to terminate leases after entry into military service to include vehicle leases.
Clarifies that penalties may not be imposed on the nonpayment of principal or interest during the period in which payments are deferred on an obligation pursuant to a court order.
Requires a person receiving a request for relief from a servicemember to respond within 30 days acknowledging the request, setting forth any reasons the person believes the request is incomplete or the servicemember is not entitled to the relief requested, specifying the specific information or materials that are missing from the request, and providing contact information the servicemember can use to contact the person regarding the request. If, after receiving a request from the servicemember, the recipient does not respond within 30 days, the recipient waives any objection to the request, and the servicemember is automatically entitled to the relief sought.
Extends the bar on sale, foreclosure, or seizure of property for non-payment to the period of military service plus one year (prior provision was for the period of nine months after the end of military service).
Extends the bar on enforcing storage liens during the period of military service and for 120 days thereafter (prior provision was until three months after the end of military service).
Requires a sworn statement of compliance by any person who files or completes a notice, application, or certification of lien sale or certificate of repossession.
Extends the ability of courts to stay proceedings involving servicemembers as a plaintiff or defendant to 120 days after the end of the military service (prior provision was until 60 days after the end of military service).
Permits a servicemember who is granted an initial stay to apply for an additional stay by showing there is a "continuing military effect" on the servicemember's ability to appear. If the court refuses to grant an additional stay, the court shall appoint counsel to represent the servicemember in the proceeding.
Requires courts to stay for a minimum period of 90 days any proceedings in which (a) there may be a defense to the action that cannot be presented without the presence of the servicemember defendant; or (b) counsel cannot after due diligence contact the servicemember defendant to determine if a meritorious defense exists.
Limits the ability of a court-appointed attorney to waive defenses that a servicemember may have or to otherwise bind the servicemember whenever the attorney cannot locate the servicemember through a new statutory provision.
Prohibits a creditor or consumer reporting agency from making an annotation in the servicemember's record that the person is on active duty status. A violation of this provision is a misdemeanor, punishable by imprisonment of not more than one year or a fine not to exceed one thousand dollars, or both.
Prevents a debt collector from falsely claiming to be a member of the military in attempting to collect any obligation. A violation of this new provision is a misdemeanor, punishable by imprisonment of not more than one year or a fine not to exceed one thousand dollars, or both.
Expressly prohibits a debt collector from contacting the servicemember's military unit or chain of command in connection with the collection of any obligation unless the debt collector obtains written consent from the servicemember after the obligation becomes due and payable. A violation of this new provision is a misdemeanor, punishable by imprisonment of not more than one year or a fine not to exceed one thousand dollars, or both.
These provisions in the California Military and Veterans Code apply broadly to members of the Armed Forces (Army, Navy, Air Force, Marine Corps, and Coast Guard) who are on active duty as well as any member of the state militia (defined as the National Guard, State Military Reserve, and the Naval Militia) who are on full-time active state service or full-time active federal service. Creditors are advised to consult with counsel to determine whether these new provisions will apply to specific servicemember borrowers who have contacts with California.
The trade groups state that, as currently implemented, the LO Comp rule imposes strict and often ambiguous limits, which have the unintended consequences of increasing consumer costs and reducing product availability and competition. Accordingly, the trade groups encourage the Bureau to make three specific changes to the rule to address these problems.
First, the trade groups request that the LO Comp rule should be amended to "allow loan originators to voluntarily reduce their compensation in response to demonstrable competition in order to pass along the savings to the consumer." The trade groups assert that because the rule currently prohibits a loan originator's compensation from being increased or decreased once loan terms have been offered to a customer, a lender "must decide between lowering the interest rate, fees, or discount points to meet the competition (and thus originating an unprofitable loan with the fixed loan originator compensation) or declining to compete with other loan offers." "The requirement to pay the loan originator full compensation for a discounted loan creates a strong economic disincentive for lenders to match interest rates," which harms consumers by impeding competition in the marketplace.
Second, the trade groups claim that the prohibition on changes to a loan originator's compensation after loan terms have been offered also has the negative consequence of preventing employers from holding their employees "financially accountable for losses that result from mistakes or intentional noncompliance with company policy." Accordingly, the trade groups request that the LO Comp rule be amended to "allow [the] lender to reduce a loan originator's compensation when the originator makes an error." The trade groups assert that this change would encourage accountability on the part of loan originators and "incentivize them to reduce errors and [to] consistently comply with regulatory requirements and company policy." The trade groups also maintain that such incentives would encourage better adherence to the regulations and policies designed to protect consumers and that, accordingly, alleviating the restrictions on changes to a loan originator's compensation after loan terms are offered would benefit consumers and lenders alike by encouraging competition and increasing accountability.
Third, the trade groups recommend that the Bureau amend the rule to allow lenders "to alter loan compensation in order to offer loans made under state and local housing finance agency (HFA) programs." These programs provide important benefits and access to credit for first-time home buyers and low-to-moderate-income families, and the robust underwriting and related requirements make such loans more expensive to produce. The trade groups note that covering these expenses is a challenge, as HFA programs typically limit the interest rates and fees, and that lenders previously addressed the issue "by paying loan originators a smaller commission for an HFA loan than for a non-HFA loan." According to the trade groups, the LO Comp rule's prohibition of this solution has reduced the ability of companies to offer HFA loans at all, thereby reducing the availability of these important resources for consumers.
In its conclusion, the letter also suggests that the Board should broadly simplify the LO Comp rule by "specifying a clear 'bright line' list of impermissible compensation factors," reversing course from the "current approach of providing a short list of permissible factors and a vague and complicated 'proxy for a term' analysis that serves to discourage everything else." The trade groups assert that clear, bright-line rules create less ambiguity and are therefore easier to enforce, encouraging adherence to the law and better serving both consumers and the industry.
The MBA also addressed the LO Comp rule in its comments responding to the CFPB's Request for Information Regarding the Bureau's Adopted Regulations and New Rulemaking Authorities (RFI), which were submitted on June 19, 2018. The MBA comments addressed issues "in the order in which [the MBA] believe[s] they should be revisited by the Bureau," starting with the three requests set forth in the recent trade group letter. Those comments, in combination with the recently submitted letter, demonstrate industry-wide agreement that the Bureau should prioritize its resources to implement revisions to the LO Comp rule.
According to the researchers, the results of their research suggest that "even the simple, easily accessible variables from the digital footprint proxy for income, character and reputation are highly valuable for default prediction." For example, ownership of an iOS device was found to be one of the best predictors for being in the top quartile of income distribution, customers coming from a price comparison website were found to be almost half as likely to default as customers directed to the website by search engine ads, and customers having their names in the email address were found to be 30% less likely to default. The researchers also found that digital footprint information complements rather than substitutes for credit bureau information, suggesting that a lender that uses information from both sources can make superior lending decisions.
The NMLS Resource Center has been updated to include state-specific MLO annual continuing education requirements and related information (state-specific education charts). As a reminder, the SAFE Act requires state-licensed mortgage loan originators to complete a minimum of eight hours of NMLS-approved continuing education annually, and a number of states impose additional continuing education obligations on MLOs.