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Recently, research has shown that people produce inner speech â a mental simulation of overt speech â in silent reading of, especially, direct speech quotations. Among those studies, some have reported neural overlaps (activations of the right temporal voice areas) between inner speech and emotional prosody, suggesting that inner speech may have emotional consequences. This project explores this possibility by assessing individualsâ performance on emotional judgements during silent reading. Participants were asked to judge categories of emotions (to choose one out of six facial expressions or six emotion words) for the reported speakers in the first experiments, while the latter three experiments indicated readers to judge the intensity of emotions by giving emotional arousal ratings. The results demonstrated that readers were faster to make emotional judgements when reading quotations in direct speech than in indirect speech. This âquantitativeâ effect supports the hypothesis that hearing inner speech in direct speech conditions helps readers to access the reported speakersâ emotional states. However, the findings of the âqualitativeâ effects captured by making more appropriate emotional judgements were mixed, suggesting the effects may be more complex than increasing the intensity of emotional activations. Several limitations, such as the experimental setup, were discussed. Future studies are suggested to confirm that the advantage of response time in direct speech conditions is due to inner speech and explore the âqualitativeâ effects on emotional judgements of hearing it.Date of Award | 1 Aug 2022 |
Original language | English |
Awarding Institution |
Supervisor | Bo Yao (Supervisor) & Jason Taylor (Supervisor) |


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The size is 62 that is about equal to a 7 3/4 US size. The fur is from regular domestic farm rabbits that were fully legally raised in the EU for meat.
The fur is a leftover product from the farming of these regular farm rabbits. In NO WAY is this item made from any wild, undomesticated, hunted or trapped animal fur. This item is in the category "Collectibles\Militaria\WW II (1939-45)\Reproductions\Germany". The seller is "vit-zemanek" and is located in this country: CZ. This item can be shipped worldwide.

subset: commoncrawl


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Energy Supply Development in Remote Areas of Russia
The interview with Ilya Dolmatov, head of the mirror lab project titled Models of Energy Infrastructure Development in Russia's Remote and Isolated Territories, for HSE Look
International Recruitment in HSE: Postdoctoral Fellowship
For the second year, Nurсan Ata Kilinch, a postdoc from Turkey, has been working on the Institute's projects together with other employees of the Institute for Economics and Regulation of Natural Monopolies. For more information about professional interests and plans, as well as about life in Russia, see the Nurcan's interview below (in English).
A workshop for professionals in the sphere of evaluation in Bangkok
Bangkok, October 30-31. - Within the framework of the Asia-Pacific Economic Cooperation (APEC), a seminar was held to promote and develop a community of evaluation professionals. Participation in the event was received by Ilya Dolmatov, director of the Institute for Problems of Pricing and Regulation of Natural Monopolies of the Higher School of Economics.
Priorities and tasks for energy saving in Russian cities presented in Seoul
Seoul, May 18th. - The conference "Eco-energy Town Workshop" took place in Seol under the auspices of the Ministry of Trade, Industry and Energy of the Republic of Korea. The event was attended by scientists and experts from the Republic of Korea, China, the Netherlands, France, Indonesia.
International Scientific and Practical conference "Water Forum BRICS"
29 September 2016. Igor Maskaev, Senior Researcher Fellow of the Institute for Pricing and Regulation of Natural Monopolies took part in the International Scientific and Practical Conference "Water Forum BRICS", where he he presented a report on "the Evaluation (benchmarking) of water services efficiency: international initiative."


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Wide forehead and cheekbones, tapering towards the chin.
Cheekbones are slightly wider than the chin and forehead.
Face of equal width and length, with soft curved lines.
Equally wide forehead, cheekbones, and strong jawline.
Wide jawline, medium set cheekbones and narrow forehead.
Base Curve: 8. Plastic: Grilamid is a resilient type of nylon specifically formulated for flexibility, stability, and durability. Polycarbonate: Polycarbonate is lightweight, comfortable, impact resistant, and provides UV protection. 100% UV protection. Up to 98% blue light protection, anti-reflection, hydrophobic, and oleophobic lens coatings.


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DUBLIN-LISTED property investment trust Green Reit is up for sale, with its board citing the company's consistently disappointing share price as it now looks to sell the company which has a portfolio worth €1.5 billion.
It comes after a "comprehensive and carefully considered review" of the options available to the company to try to maximise value for its shareholders, it said.
Green Reit earns €75 million in rent a year on its primarily Dublin-based properties, with most of this consisting of office space in the capital.
It owns sites like George's Quay Plaza in Dublin city, Central Park in Leopardstown and One Albert Quay in Cork.
JP Morgan Cazenove have been appointed to lead the sales process, which is set to begin immediately.
Gary Kennedy, chairman at Green Reit, said: "The company's share price has been subject to a material and persistent structural discount to its net asset value per share for over three years now.
Our primary responsibility as a board is to deliver shareholder value. Given this imperative and following detailed analysis and due consideration, we have decided to focus on the sale of the company or its portfolio of assets.
Co-founders of the company Stephen Vernon and Pat Gunne have said they won't make an offer for the company, or participate in a takeover bid.


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- Tangiwhai Memorial
The Memorial put in place to remember the victims of the Tangiwhai rail disaster, Ruapehu region.
Listed in photos - Tiger Hill Gangers' Shed
Another thing that people will enjoy along the Otago Rail Trail is all the interesting pieces of history.
Listed in photos - Manuherikia no.1 Bridge
Otago Central Rail Trail. This is the second longest bridge on the Rail Trail at 110.6 metres. The piers and abutments are constucted of concrete.
Listed in photos - The Station Gallery, Museum & Gift Shop
The Ohakune Station Gallery, Museum and Gift Shop is a not to-be-missed attraction for all railway and wildlife enthusiasts. Located in heritage prese...
Listed in photos - One of the Tunnel Entrances on a Forgotten World Adventure
When travelling along the Forgotten World Railway there are numerous tunnels each one with a magic of it's own. The longest is 1.5 kilometres long!
Listed in photos - 24 Tunnels
One of the Forgotten World railcarts entering Tunnel #24 on the SOL decommissioned railway line.
Listed in photos - Railbikes entering the Tangarakau Gorge
Our new railbikes exiting the tunnel into the untouched Tangarakau Gorge. This part of New Zealand remains untouched from the time the railway first ...
Listed in photos - Driving Creek Railway Tunnel
View of the other train coming through a man-made tunnel at Driving Creek Railway, in the Coromandel.
Listed in photos - Whangamata Walk to Luck at Last Mine - great for families
Our family is a regular visitor to the beautiful Whangamata on the Coromandel at every opportunity and in the recent summer holiday break we discovere...
Listed in articles


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Do you want to harness the power of a digital marketing campaign? Then it would be best if you had a grasp on the basics.
Many people feel that digital marketing is an area that beginners shouldn't venture into. That's not the case, as it's a broad industry that caters to various skill levels.
But how do you begin?
If you're wondering what to know about digital marketing, this short and simple guide is for you. We'll highlight some key points here so that you can get started on your marketing venture in no time.
1. Define Your Target Audience
One of the best small business website design tips is clearly understanding your brand and identifying your ideal customer. To get started, think about who your product or service is designed to help and target your digital marketing campaign to those needs.
Then, focus on a specific target. Consider factors such as age, location, income, lifestyle, profession, etc. Once you know your target audience, you can focus your messaging and create relevant content.
2. Develop an Impactful Brand Message
Develop an effective brand message, it should be concise, consistent, and tailored to each target audience. Use storytelling to share your brand's purpose with consumers and know who your target audience is before crafting a message that resonates with them.
Use customer feedback to understand what resonates best with them and tailor the message accordingly. Leverage data to identify trends in customer concerns and create a message that directly addresses those topics.
3. Generate New Leads with SEO Strategies
Optimizing content for search engine crawlers and crafting targeted long-tail search phrases will increase visibility for targeted audiences seeking out products or services.
It's important to ensure that content is well-structured and that SEO tactics are applied to web pages, blogs, product reviews, social media posts, and other content pieces. Additionally, optimizing for keywords should be a key part of any SEO digital marketing strategy, as well as optimizing page titles and metadata.
4. Utilize Social Media for Content Promotion
Social media provides an excellent platform for companies to grow their digital marketing plan and reach a larger audience. Companies should create engaging, original content and then use social media to share and promote it.
Content should be tailored to specific audiences and distributed wisely, making sure to reach the right people. Companies should also be aware of different trends and optimize their campaigns accordingly.
Read More About the Digital Marketing Campaign
Overall, digital marketing campaigns can be successful when done correctly. Utilizing tips like creating buyer personas, utilizing personalization, and understanding the target market are great ways to succeed.
If you want to read more about the digital marketing campaign, then be sure to check out our website for more detailed information.
Did you find this article helpful? If so, then be sure to check out the rest of our blog for more!


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St Matthew Health Centre is located in Santa Monica, A bunch of states, and provides complete medical and rehab services to its clients. Its staff is highly trained and dedicated to rendering the highest quality of care and attention. They do the job closely with each patient to meet her or his individual goals. The health middle employs more than 2, 75 staff members.
This center provides patients an array of services, including surgery and physical rehabilitation. Their programs are made to promote recovery by rebuilding a person's musculoskeletal system. It also offers numerous social and recreational activities. Additionally to amounts, the center also has a offer program to supply support to its affected individuals.
Heartbeat, a brand new series upon NBC, practices Dr . Alex Panttiere, a female cardiothoracic plastic surgeon. The character uses real-life surgeon Dr . Kathy Magliato. The show isn't entirely based on the actual hospital, but the setting is similar. The hospital alone is named St . Matthew Health and wellbeing Center. 2 weeks . medical center that provides high-quality attention and an excellent individual experience.
Moreover www.stmatthewcenter.org/ for the health middle, two state-of-the-art hospitals are located inside the Cayman Islands. These medical features provide usage of clinical knowledge, and the ability to study drugs in a world class setting.


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Fighting is not only a spirit, but also a philosophy of life. Learning is like sailing against the current. If you don't advance, you will fall back. In the workplace, fighting is the driving force of success. If you want to make a breakthrough in this world, you must work against the clock and let the successful concept of combat take root in your heart.
We all know that in the world of the law of the jungle, we are strong because of fighting, and we fight tirelessly because of being strong! It is a fighting spirit that will never admit defeat. The so-called ambition is just a life form that organisms should have, fighting for life and fighting for life!
Source: @172_tattoo_zapresic


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PHiLL It Up Disposal, LLC
Local Trusted Dumpster Rental Service Company in Kittanning PA - PHiLL It Up Disposal, LLC
Waste Management and Dumpster Rental Services for Kittanning, PA
PHiLL It Up Disposal, LLC: Your Eco-Friendly Waste Management Expert
In the picturesque town of Kittanning, PA, managing waste effectively and responsibly is a community priority. PHiLL It Up Disposal, LLC stands as a leader in providing top-tier waste management service and dumpster rental service to all the surrounding areas, ensuring a cleaner, greener environment.
Dumpster Rental Services for Every Project
Your Ultimate Dumpster Rental Service in Kittanning
Whether you are embarking on a renovation project, managing a construction site or undertaking a major cleanup, PHiLL it Up Disposal provides a variety of dumpster rental services that will meet your needs. Our goal is to make waste disposal easy and efficient for each customer.
Flexible Roll Off Dumpster Rentals for Larger Projects
Our roll off dumpster rentals are the ideal solution for managing substantial waste. Available in various sizes, these dumpsters cater to both residential and commercial projects, providing the flexibility and capacity needed for efficient waste disposal.
Tailored Solutions for Effective Waste Management
A Variety of Dumpster Sizes for Diverse Needs
PHiLL it Up Disposal understands that each project is unique and offers a variety of dumpster sizes. From smaller dumpsters for minor cleanouts to larger ones for significant waste removal, we ensure you have the right dumpster for your project.
Dumpster Rentals at Affordable Prices
PHiLL it Up Disposal makes renting a dumpster easy in Kittanning, PA and the surrounding area. Our user-friendly online booking system allows for quick and easy dumpster rentals, free of hidden fees and complications. We strive to make the entire rental process as transparent as possible.
Serving Kittanning and Beyond
A Local Company with Extensive Reach
While based in Kittanning, PA, our services extend to the surrounding communities. We are proud to be a local company that values and understands the needs of our communities. Choosing PHiLL It Up Disposal means selecting a partner committed to providing exceptional service across the region.
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Kittanning ( ki-TAN-ing) is a borough in and the county seat of Armstrong County, Pennsylvania, United States. It is situated 36 miles (58 km) northeast of Pittsburgh, along the east bank of the Allegheny River. The population was 3,921 at the 2020 census. The name is derived from Kithanink, which means 'on the main river' in Lenape or the Delaware language, from kit- 'big' + hane 'mountain river' + -ink (suffix used in place names). "The main river" is a Lenape term for the Allegheny and Ohio combined, which they considered as all one river.
East Kittanning, Sprankle's Neighborhood Market, West Kittanning, Wick City, Williamsburg


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LINEC Courses
Welcome to the Learning Institute of New England College (LINEC) "bridge to knowledge" for adult lifelong learners. For over 30 years we have offered learning opportunities in science, history, geology, social sciences, travel, and the arts.
Our instructors are highly-educated volunteers with experience in their fields.
- Some are retired.
- Some are still employed.
- Some are members.
- Some are experts outside of LINEC.
- Some are New England College staff.
Please scroll through the course offerings. First, pick Membership in order to register.
Click here to see the 2024 Spring Term courses.
Registration opens on February 17
DEADLINE is March 15 at midnight.
NEC Parking Form for on campus parking. (Only needed for on campus parking)


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At this point, it's pretty safe to say that realistic love dolls are so much more than just exceptionally beautiful ways to upgrade one's solo sex life. They're becoming increasingly popular as art forms and things of beauty in and of themselves, so it's not surprising that so many love doll owners take to doing love doll photoshoots.
Photographing a love doll can be as satisfying a creative outlet as any other type of photography. But as with any other photography subgenres, it's crucial to consider one's subject before diving in, the better to get the most out of the experience. Here are some tips on staging an amazing love doll shoot to remember.
Invest in quality equipment and tools
The art of photography is more accessible than ever thanks to superior-quality smartphones and affordable editing software. But factors like camera quality can make all the difference as far as whether you're able to do justice to the fine details that make love dolls so beautiful in the first place.
That said, it's worth upgrading your phone or investing in some professional-quality camera equipment, lenses, and post-editing software if you don't already have those things. You'll love the difference it makes in your love doll photoshoot.
Know how to dress your doll for shoots
Dressing a love doll for a photoshoot is more like dressing a real person than you might think. You want to choose clothing that evokes the mood and feeling you wish to capture with your shoot, of course. But many love doll owners like to try to capture a bit of what they feel is their doll's unique personality, as well.
Is your doll a saucy vixen with an insatiable sexual appetite? Capture that by dressing her in sumptuous, sensual lingerie before taking her picture. Or maybe she's a delicate creature who exudes grace, beauty, and class. Try dressing her in elegant but tasteful clothing that shows the viewer this side of her.
Pose your doll with care
If your luxury sex doll is like most, she has an intricate skeletal system and flexible joints that make it easy to pose her in a wide variety of different positions. But it's still important to consider the doll's ultimate well-being and bodily integrity when selecting poses. Always move your doll's limbs gently and position her with care to avoid damaging her in the process.
You'll also want to give some thought to the artistic aspects of posing your doll, just as you would if you were working with a human being. Is your doll curvy and voluptuous or slim and slender? What are her best features, and what do you like most about her? Choose creative, elegant poses that show off her best assets and will help others see her exactly the way you do, for the perfect love doll photoshoot.
Strike the right balance with your shoots
Although realistic love dolls are really so much more than sexual aids, there's no getting around the fact that that's still the primary reason people purchase them. So it makes perfect sense if you'd like your shoot to be a bit more on the explicit side. However, many love doll owners like the idea of showing a different, purer side of the beings they consider their dolls to be.
That said, the best love doll shoots tend to mimic human photoshoots in that they strike a solid balance between obvious sensuality and respectful elegance. Any artistic pursuit – photography included – is an opportunity for the artist to share something only they can see in a way that helps other people see it, too. Keep this in mind as you plan your own love doll photoshoot.
Embrace ways to enhance realism
One of the biggest challenges of love doll photography is helping the images feel as real, natural, and accessible as they would if the subject were another human being. A love doll naturally isn't going to be able to move, respond, and take direction the way a human can, so more care and forethought in selecting poses, lighting, and composition is a must.
However, with practice and attention to detail, it's definitely possible to create a truly magical sense of emotion, movement, and lifelike candidness with your love doll photography. Start by checking out some of the work of other love doll photographers, listening to any advice they give their audiences, and applying what you learn to your own love doll photoshoot. There are many other outside-the-box things to try with your sex doll as well.
And definitely don't be afraid to explore and experiment with techniques and creative ideas of your own. At the end of the day, that's what art is truly all about – expressing yourself, finding your personal style, and having fun with what you're doing every step of the way. Love doll photography can be a terrific way for you to spend more quality time with your doll, as well.


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If you have previously received an SR-22 or certificate of financial responsibility reporting requirement, it's good to know eventually your SR-22 reporting period will come to an end. Therefore, you might be wondering how the end of your reporting requirement will affect the premiums you pay for auto insurance.
This guide will show you how to make sure your auto insurer receives a notification that your reporting period has ended. You'll learn how the end of SR-22 will change the auto insurance premiums you pay in the long run.
How Does an SR-22 Requirement Raise My Auto Insurance Premiums?
When you receive an SR-22 reporting requirement from your state's department of motor vehicles, the reason for such a notice usually involves a DUI incident or other reckless driving situation. Because the SR-22 or FR-44 indicates that you are a higher-risk driver, your insurer will raise your premium to cover the additional risk for insuring you.
Other factors such as your geographic location, prior driving record, and insurance history can influence auto premiums. Still, this reporting requirement can raise your rates significantly beyond these other factors in many instances.
How Do I Determine When My SR-22 or FR-44 Reporting Period Has Ended?
In the initial letter sent to you by your state's DMV, you should have an exact date on which the requirement will end. Assuming you have not had additional citations or violations that might extend your reporting time, you can expect it to end at the indicated time.
If you have any questions about how much time remains, you can reach out to your local DMV for more information. Some states may also allow you to look up your record online or by mail to get more information.
Will My Auto Insurance Company Know When My SR-22 Has Ended?
Usually, you will need to reach out directly to your insurance company to let them know your SR-22 has ended. Typically, they will want some form of proof, including a notification letter from the DMV. Once they have received the letter, your insurer may consider lowering your rates.
What Paperwork Do I Need to File to Cancel My SR-22?
If you want to cancel your SR-22 before the mandated period is over, keep in mind that this could lead to legal issues. In most states, if you let your SR-22 insurance lapse or cancel it early, your insurance company is required by law to notify the state DMV, which may then decide to suspend your driving privileges.
If you no longer own a vehicle but still need to fulfill your requirement, consider switching to a non-owner SR-22 policy. This type of policy provides liability coverage when you're driving a vehicle you don't own.
Find Cheap SR-22 Auto Insurance Quotes
Will My Auto Insurance Cost Less after My SR-22 Ends?
Once the SR-22 period ends, your insurance premiums could decrease. But this is not a guarantee. The end of your SR-22 period might decrease your premiums, but it's unlikely to return them to the original rate you had before.
The traffic violation that led to the reporting requirement will stay on your driving record for a time, depending on your state's laws, and that can still impact your insurance rates well into the future.
But over time, if you maintain a good driving record, your premiums should decrease. Other ways to reduce your premium include shopping around with different insurance companies, negotiating with your current insurer, and foregoing driving in favor of public transportation, bicycling, or walking.
How Far Back Do Insurers Look at My Driving Record?
The exact length of time that insurers will look back into your driving record depends on many factors, including your state of residence, the types of violations you have previously received, and whether you were criminally charged.
For non-moving violations like illegal parking or traffic violations such as speeding, states will usually drop these off your record within 3 to 5 years. For more serious incidents, such as driving under the influence of drugs or alcohol, your criminal record (assuming you were convicted) may remain open for much longer.
The best way to answer this question is to simply ask your agent how far back their company will look when underwriting your policy.
How to Drive Safely and Save Money on Your Auto Insurance
The key to saving money on your car insurance is to drive safely, obey traffic laws, and avoid serious incidents like drinking and driving. Proactively staying safe while you're on the road will go a lot further than trying to repair the damage after the fact.
However, not every insurance company knows how to handle SR-22 or FR-44 reporting requirements. Many insurers refuse to take risky drivers. To help save money on your insurance policy, consider taking the following steps:
- Seek the right insurance discounts for your situation, including safety features, student status, and safe driver discounts.
- Ensure that you maintain your auto insurance policy each year without any gaps. Creating gaps can lead to higher costs from year to year.
- Tailor your liability coverage to your specific needs, so long as that coverage meets or exceeds your state's mandated minimum amounts.
Ultimately, the best way to avoid paying inflated costs for auto insurance is to obey the traffic laws so you no longer fall into the "high-risk insurance" category.
Get Affordable SR-22 Insurance Today
Cheap SR-22 insurance starts with finding an agent who truly understands your situation and needs. SR-22 Adviser's partner can help you find the right policy for your needs. Get started today with an online quote!


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Why I don't Scrap Digi...
June 01, 2006
Matthieu is really trying to get me to try digital scrapbooking. I really have no desire to even try it... The bottom line ... it's not fun for me. This is a hobby, so is supposed to be fun but I really dislike the computer end of it... I don't like getting the photos from my camera and editing them... Love the results, just not all the work. I think a lot of it has to do with the fact that my photoshop is all in French. Ok, yes, I realise that I am bilingual, but this is vocabulary that is pretty specific and I don't know what a lot of it is. so it's a lot of trial and error... I mean Amy Howe posted a cool, simple tip in the BG newsletter and I couldn't even figure out where all that suff was in my French PS. Matthieu recently got me Nikon Capture, that's cool because eventhough it's in French everything is icons and I don't have to go through 6 zillion dropdown menus to find what I want. I haven't played around much yet, so we'll see how that works out.
Another reason is I just love paper and pencil. Give me an empty journal and I get all giddy!! Give my a blank Word page and I get all stressed out. I took a great online class from the Big Picture and was all gung ho until she said that we had to journal on the computer. Well, I stopped right there... stuck... writer's block. It wasn't until I decided to do it by hand, like I do with all my scrapbooking, that I could write what I needed.
One last weird reason is that I do something to screw up electronics... seriously I have some sort of electric force that breaks them in strange ways. I used to have a stereo that would only skip for certain songs numbers on any given CD... CDs that worked just fine on any other stereo... Matthieu bought a camera when we were first dating... a camera that I acquired when we moved in together 3 years later. It broke, don't know how I did it, it would have cost about 200€ to fix it so we bought another one, it's my P&S that I keep in my purse today. This one will turn off all by itself at any given moment. Usually, while I'm taking a photo. Mind you this camera works perfectly fine for anyone else!!!! The other night when I was resizing the photos from SAG I turned around to say something to Matthieu and when I turned back, they were all gone. 19 photos poof!!! And last night a whole folder disappeared, I found later under another folder... see I'm bewitched, or maybe I'm a witch and don't know it!! Speaking of... we got Harry and the GOF on DVD today... the boys enjoyed the un-scary bits!!


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Financial inclusion is a crucial concept that aims to ensure that every individual, regardless of their income, background, or geographical location, has access to a wide range of financial services. The goal is to empower people to participate in the economy, manage their finances, and build wealth over time. Unfortunately, traditional financial systems have often excluded certain segments of the population, leaving them underserved and without adequate access to essential financial products and services.
The State of Inclusion in Finance
Here are some relevant statistics pertaining to the topic of AI and financial inclusion:
- In 2020, only 31% of adults in developing countries had access to a bank account.
- In the United States, Black and Hispanic borrowers are more likely to be denied loans than white borrowers.
- In 2019, only 12% of women in developing countries had access to mobile money services.
These statistics show that there is still a long way to go in terms of financial inclusion. However, AI has the potential to help close this gap.
Overall, AI has the potential to play a significant role in making financial markets more inclusive. However, it is important to address the challenges that have been mentioned above, such as data bias and lack of transparency. By addressing these challenges, we can help to ensure that AI is used to make financial markets more inclusive and that everyone has access to the financial services that they need
The Power of AI in Financial Inclusion
Advancements in artificial intelligence (AI) have opened up new possibilities to address the challenges of financial exclusion. AI's ability to process vast amounts of data, learn patterns, and make data-driven decisions enables it to transform various aspects of the financial landscape and make it more inclusive. Here are some key ways in which AI is driving financial inclusion:
Identifying and Targeting Underserved Populations
AI is a powerful tool for analyzing data and identifying patterns that might not be apparent through traditional methods. By harnessing AI's capabilities, financial institutions and regulators can gain insights into specific demographics that are underserved or entirely excluded from the financial system. These insights can inform targeted outreach and educational initiatives, designed to empower and educate those individuals on the benefits and possibilities of financial services.
Personalizing Financial Products and Services
One of the primary challenges in achieving financial inclusion is catering to the diverse needs of individuals and communities. AI's machine learning algorithms can analyze user behavior, preferences, and financial histories to create personalized financial solutions. By tailoring products and services to individual circumstances, financial institutions can provide more relevant offerings, reducing barriers to entry and making financial services more accessible to everyone.
Reducing the Cost of Financial Services
The implementation of AI in financial processes can streamline operations, automate repetitive tasks, and enhance efficiency. As a result, financial service providers can significantly reduce their operational costs, making their offerings more affordable for customers. Lower costs can lead to more competitive pricing and ultimately extend the availability of financial services to underserved populations.
AI's Impact on Financial Decision-Making
Beyond personalized products, AI also plays a crucial role in assisting individuals with financial decision-making. AI-powered financial advisors, known as robo-advisors, leverage complex algorithms to offer investment advice tailored to an individual's risk tolerance, financial goals, and time horizon. These services democratize investment opportunities and allow individuals with limited financial knowledge to make informed choices, further promoting financial inclusion.
Challenges and Mitigation Strategies
While AI holds tremendous promise for financial inclusion, it is essential to address several challenges to ensure its ethical and equitable use:
Data Bias
AI systems learn from historical data, and if the data used for training is biased, the AI models may perpetuate existing inequalities. To mitigate data bias, diverse and representative datasets that encompass various demographics must be used. Additionally, continuous monitoring and auditing of AI systems can help identify and correct any unintended biases that arise during their use.
Lack of Transparency
The opacity of AI decision-making processes can raise concerns regarding fairness and accountability. To promote transparency, financial institutions should implement explainable AI models that provide clear rationales for their decisions. Additionally, regulators can mandate transparency standards for AI deployments in the financial sector, ensuring the use of understandable and interpretable algorithms.
Cost of Implementation
AI implementation can be expensive, especially for smaller financial institutions and organizations with limited resources. Collaborative efforts among governments, financial institutions, and tech companies can help lower the barriers to AI adoption by providing funding, resources, and open-source AI tools. These measures will encourage a more widespread adoption of AI-powered solutions, benefiting a broader spectrum of users.
Steps to Fight the Inequality in Financial Services
Despite these challenges, there are a number of steps that can be taken to mitigate them. These include:
Using diverse data sets: When training AI systems, it is important to use diverse data sets that represent the different groups of people who will be using the system. This will help to reduce the likelihood of bias in the system.
Making AI systems more transparent: AI systems should be made more transparent so that people can understand how they work and assess whether they are fair and equitable. This can be done by providing clear explanations of how the systems work and by making the data that the systems are trained on available to the public.
Making AI systems more affordable: AI systems should be made more affordable so that they can be used by smaller financial institutions and organizations. This can be done by developing open-source AI tools and by providing financial assistance to organizations that are developing AI-powered solutions.
By addressing these challenges, we can help to ensure that AI is used to make financial markets more inclusive and that everyone has access to the financial services that they need.
The Promising Future of AI in Financial Inclusion
The future of AI in financial inclusion looks increasingly promising, with continued advancements and innovation on the horizon. AI's potential applications include personalized financial advice, enhanced fraud detection, and improved risk assessment, among others. These developments hold the potential to bridge the existing gaps in the financial system and create a more equitable and inclusive financial landscape.
AI is a transformative force driving financial inclusion forward by enabling the identification of underserved populations, personalizing financial products and services, and reducing costs. While challenges like data bias, lack of transparency, and implementation costs exist, concerted efforts to address these issues will ensure that AI is harnessed ethically and responsibly. With ongoing collaboration and advancements, AI will undoubtedly continue to play a pivotal role in fostering financial inclusion, enriching the lives of millions by providing equal access to essential financial services.


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What months are jellyfish most active in Destin?
They have four tentacles on its underbelly to capture small marine animals. The Cabbage Head Jellyfish can be seen November through April on the Destin shores.
Why is Destin so popular?
Snuggled against the Gulf of Mexico in northwest Florida, Destin is rightfully famed for its sugar-white sands and emerald-hued waters. And due to its plentiful and always hungry underwater population, Destin is widely known as the "world's luckiest fishing village."
What is the best month to go to Destin Florida?
Where is the warmest place to go in Florida in March?
Miami Beach
When should you not go to Florida?
Some people thrive in hot and humid weather, but for the rest of us, the summer months are not the best time to visit Florida. Temperatures all over the state reach into the upper 80s and low 90s Fahrenheit from April through October, with high humidity levels leaving you drained when exposed to the heat.
Should I study over spring break?
So yes, studying over spring break might have helped your grades a little bit, but it's still OK if your grades are not 110 percent. Resting over spring break might actually help in the long run.
What is the cheapest month to go to Florida?
The cheapest months to fly to Florida are September, May (except for Memorial Day weekend) and early June before schools let out. You can find terrific values on hotels and activities in the fall (Sept.
What is Destin Florida known for?
Located on Florida's Emerald Coast, Destin is known for its white beaches and emerald green waters. Originating as a small fishing village, it is now a popular tourist destination. The city styles itself "The World's Luckiest Fishing Village", and claims to have the largest fishing vessel fleet in the state of Florida.
What is jellyfish season in Florida?
The Florida stingray season is from April through October. There's no predicting when jellyfish will show up but the heaviest concentrations on the Gulf Coast appear in the fall — August through October, according to the Florida Wildlife and Conservation Commission.
What is coldest month in Florida?
November 2020 to October 2021. Winter will be milder and drier than normal, with the coldest temperatures in mid-December, early January, and early February.
Are there Box jellyfish in Florida?
Although the Florida species of box jellyfish does not pack the extreme potency of the infamous Australian box jellyfish dubbed the sea wasp, the species that washes up on Florida's beaches can still be life-threatening and has a painful sting. The box jellyfish can be identified by its box-shaped bell.
How can I be productive over spring break?
7 Ways to Stay Productive Over Spring Break
- Catch up on work. We all know that school and test prep can get the best of us sometimes.
- Get ahead. Not only can you catch up on schoolwork and test prep, you can actually get ahead!
- Look for internships.
- Catch up on sleep.
- Get organized.
- Volunteer.
- Reenergize.
Can you drink on the beach in Destin 2020?
ALCOHOL — Alcohol is allowed on the beach but not in the state parks. Again, no glass bottles, etc. Underage drinking is not permitted. LITTERING — No littering on the beach, and no glass containers on the beach.
What month do jellyfish come out?
For example, in Australia's coastal waters, Box Jellyfish are often found from October to May during the country's wet season. Do your research about jellyfish season before you head to the beach. Avoid the water when there are a lot of jellyfish present, such as during a jellyfish bloom.
Is Spring Break and Easter the same?
As a holiday it is variously known as Easter vacation, Easter holiday, Easter break, spring break, spring vacation, mid-term break, study week, reading week, reading period, Easter week or March break, depending on regional conventions.
What dates are Spring Break in Florida?
The staggered schedule means Florida's Spring Break begins in late February and runs through mid-April, peaking in mid-March. The dates don't necessarily align with the Easter holiday, although that's when you are most likely to encounter families with children. Easter falls on April 4 in 2021.
Which side of Florida is warmer in March?
The list of beaches runs from south to north along the Atlantic Ocean and the Gulf of Mexico. The ocean is warm enough during spring at beaches in southern Florida for most people to enjoy swimming….Florida's Ocean Temperatures in Spring.
Key West | |
March | 75 |
April | 78 |
May | 82 |
Are man of war jellyfish in Florida?
The Portuguese man-of-war, Physalia physalis, is found in every ocean except the Arctic and often washes up on Florida's coasts. These animals use long, venomous tendrils to ensnare prey and can float in groups of more than 1,000.
Are there sharks in Destin FL?
Are there sharks in Destin? Yes, of course there are sharks in Destin! We are situated along the coast of the Gulf of Mexico, sharks' natural habitat, and there are a wide variety of sharks that live in the Gulf, such as nurse sharks, hammerhead sharks, reef sharks, and bull sharks.
Is Destin or Panama City better?
Destin is more upscale and the shopping is much better. They have the silver sands outlet mall and Destin Commons which has all the nice stores. The stores in Pier Park just can't compete in my opinion. However, Panama City Beaches are beautiful, clean, and there are lots of condos to choose from.
What celebrities live in Destin Florida?
Other sports stars like TJ Oshie, Danny Wuerffel and NFL all-stars Kevin Greene, Jason Elam, Keith Brooking and others have dropped their bags in Destin. TV personalities frequent and live in Destin. Wayne Rogers of the hit movie and television series MASH calls Destin home.
Is Destin Florida expensive to live?
Compared to only Florida, Destin has a cost of living index that's 1.2x higher than Florida's index of 99. The standard of living in Destin ranks as #4,428 most affordable out of the 6,522 places we measured in Florida. By definition, that implies Destin ranks as the #1,979 most expensive place in the Sunshine State.
Is there alligators in Destin Florida?
Today there are almost 1, 500,000 of them all over Florida. Most of them are in the southern part of the state in places like the Everglades. Here along the Emerald Coast, they are scarcely found in the vast wild nature preserves along Scenic 30A, but almost never in Destin or Miramar Beach.
What is the coldest month in Destin Florida?
January 17
Can jellyfish in Florida kill you?
Serious exposure can result in breathing difficulties, shock and even death. These creatures range in size from tiny to several feet in diameter, with tentacles hanging below. While most jellyfish do not sting, Florida has several species (including those pictured) that sting.
What month is spring break in 2020?
In general, spring break month is February, March or April, depending on where you are in the country, and the specific name your institution gives it may also vary. Most institutions, like the University of Texas and California State University, opt for a spring break during March.


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Movement Fix the country is moving many people to demonstrate for fundamental change in the major city of Tamale in the north of the country. A hope in a region where much violence has spread in some of Ghana's neighboring countries in West Africa. From the International PeaceFactory Wanfried we are in conversation with organizers of the movement: We discuss how awakening movements in Ghana and Germany can learn with and from each other and support each other in "putting our countries in order" and together address global problems - such as climate change, spread of war and violence, implementation of decent living conditions for all.
With a large demonstration, especially young people in the northern Ghanaian city of Tamale are calling on politicians at all levels to put people's living conditions in order. Similar demonstrations have taken place in other cities in the resource-rich West African country in recent months. The action in the north was preceded by several months of grassroots work by Fix the county activists in the region, and the demonstration shows it was successful. Fix the country moves the youth not to put their hope in fleeing to Europe, to rely solely on electing another party or even on violence, but to seek solutions to the major problems that plague many people, such as a lack of prospects for young people, unemployment, a lack of educational opportunities, a lack of health care or a glaring gap between rich and poor, through their own commitment to changing society.
On its homepage, the Fix the Country movement writes: "#FixTheCountry is a non-partisan and non-political civic movement by Ghanaian youth for Ghana. We demand a new society based on justice. We refuse to play by the rules of a political class that is so disinterested in the Ghana project. We demand a realignment and a change in the assumptions from which the pervasive immorality in our society emanates." It is not only targeting national politics, but also wants to start building the new society from the bottom up: with the project Enforcing Accountability, the movement aims to draw attention to the Municipal, Municipal and District Assemblies (MMDAs). It sees them as the agents of local development and the most reliable actors for "fixing the country." From them, they demand detailed action programs and annual metrics for various areas of the district economy.
Further, Fix thecountry advocates for the drafting and adoption of a new constitution. (translated from: https://fixthecountrygh.com/)
The state of Ghana was imposed on the people by the European colonial powers - in the case of Ghana by Great Britain and Germany. They organized a state for the interests of Europeans, not Ghanaians, and placed themselves above any general law that applied to the people of Ghana. This right to make laws only for the people and to put themselves above the law and thus enrich themselves from the people and the land was taken over by the elites from the colonial powers when they came to power at independence and continued. The movement criticizes this and, in a kind of second state formation of its own by the Ghanaian people in a peaceful and grassroots democratic way, now wants to create a state not only for the elites cooperating with the former colonial powers, but for all the people of Ghana. To this end, the movement is calling for a new, just constitution.
more reports from the demonstration in Tamale: https://gna.org.gh/2023/01/thousands-of-youth-join-fix-the-country-demonstration-in-tamale
Thousands of youth join 'Fix the Country' demonstration in Tamale
"We need a constitution that is fair and just," reads one of the placards.


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The international conference on rendering financial aid for reconstruction of Afghanistan will begin in Paris on 12 June. The President of France Nicola Sarkozy, President of Afghanistan Hamid Karzay, the UN Secretary General Ban ki Moon and representatives of more than 60 delegations will take part in the conference.
During the conference in Paris, the president of Afghanistan will address the international community with a request to render a $50bln aid to his countryDonors Funds for Afghanistan do not Stay in This Country: Head of ACBAR
Azerbaijan, Baku, 12 June
/ corr. Trend G. Ahmadova, D.
Khatinoglu/ The Head of the Afghani governmental organization ACBAR Anja de
Beer attributes to the problem on spending of foreign donor aid to the poor
security conditions in this country. "Many high-income foreign companies in Afghanistan very often sign short-term contracts due to the security problems," Anja de
Beer, head of the Agency Coordinating Body for Afghan Relief (ACBAR) said to
Trend .
According to
the head of the Agency, the other part of the problems on donor money is
connected with the regulation of supplies. "The goods are purchased not in Afghanistan, but outside the country. It means that the funds allocated for Afghanistan by donors do not stay in the country, these funds move back in this or that way," Beer
said over a telephone from Paris on 12 June.
"However if
more capital would stay in Afghanistan, it would be incentive for the country's
economy," said the Head of ACBAR.
According to
Beer, the foreign companies and organizations functioning in Afghanistan are not required to render a report before the government. "Therefore, there is no
clear idea of how much international financial companies spend for
reconstruction of Afghanistan. The government also accepts the opinion that
there should be a better way to managing financial aid from the donor
organizations," head of the Afghani organization said.
According to
Beer, the point is not only financing reconstruction in Afghanistan. "The point also is that the international donor aid, which is to be spent,
should be reflected on facts," he said.


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Nearly three years ago, the COVID-19 pandemic brought the world to a screaming halt and left us all wondering about veterinary medicine's future. Could we ever return to "normal" after such a life-changing event? The truth is, we haven't, and we probably never will. But, I maintain that the many professional changes and the growth have been more positive than negative. Telemedicine is no longer considered impossibly problematic, mental health has been aggressively prioritized, and flexible schedules that cater to personal and family needs are more commonplace.
So, if we achieved so much in the past three years, what will 2023 bring? Most veterinary practices have moved beyond pandemic survival mode, and are rebuilding. We've proven we can overcome nearly any challenge, so let's use the following 2023 New Year's resolutions and continue to innovate for our teams, our clients, and ourselves.
#1: Clear the clutter
Does your practice have an attic, basement, or stock room filled with old junk? Veterinary equipment is expensive, and practice owners and financial decision makers all seem compelled to keep every broken, malfunctioning, or outdated item and turn their practice into a scene from Hoarders. The same way you clean out a cabinet or closet at home, clearing out unneeded items and organizing what's left, such as old X-rays or files, will give you and your team that squeaky clean, anxiety-relieving, refreshed feeling—and you will more easily keep the hospital clean when clutter is gone.
#2: Consider low-stress handling
Once upon a time, pet pain management was not a universal concept. Postoperative go-home pain meds were optional, and multi-modal drug therapies were considered overkill. Now, our profession knows the huge importance of pain control for healing, comfort, and quality of life, but embracing the change took a while. The newest movement in veterinary medicine is fear free and low-stress handling, and it's time to jump on the train, if you haven't already. Minimizing patients' stress not only improves their care, but also provides your staff with a better work environment, and bonds grateful clients to your practice for life. Consider a free webinar or visit the fear-free booth at your next conference to check out all the hype.
#3: Update or create medical protocols
If your practice is AAHA-accredited, you're already familiar with the painstaking process of creating protocols for every possible situation in day-to-day practice—and you probably haven't updated those protocols since your original accreditation. You may not even know where they are. AAHA-accredited or not, your team can benefit from the guidance and consistency of frequently updated protocols. They are not necessary for every hospital situation, but standardizing only a few things can improve training and efficiency. Let your medical staff decide on the processes that cause the most confusion, and assign one person to each topic.
#4: Focus on hiring and retention
Chances are pretty high that your practice, like most others in the country, is currently understaffed. Already ridiculous burnout rates soared during the pandemic and many staff members moved to other hospitals or left the profession entirely. You can't single-handedly solve the veterinary staffing crisis, but you can improve your current staff retention and attract the right people to grow your practice. Consider the following ideas:
- Hire a recruiter or management consultant
- Increase pay or expand benefit offerings
- Offer more schedule flexibility
- Consider work-from-home projects or opportunities for staff—with cloud-based software, yes, this is possible!
- Invest in staff education and training
#5: Build your digital brand
Are you still using paper postcard reminders and calling clients to confirm appointments? A few clients probably appreciate these, but they are incredibly time-consuming and outdated communication methods. Your staff can easily reach most of your current and potential clientele via email, text, your website, or social media channels, and younger generations already expect this. If you aren't especially tech-savvy, you can surely elevate a staff member to champion these tasks and improve your digital presence, or you could hire an outside service to streamline your current processes.
#6: Implement a monthly blog
If you want to draw more traffic to your newly updated, aesthetically pleasing website, consider adding regular blog posts to improve your search engine optimization and provide clients with easily accessible educational content. You can choose topics important to your practice and staff, such as dental care, preventive screenings, or common medical conditions, or post blogs with practice updates or fun employee profiles. Over time, you'll build up a topic library that can serve as digital or printed handouts for clients.
As a profession, we've been slogging through and trying to stay afloat for too long. Use these resolutions to re-prioritize, and start working toward a better clinic culture and client experience. If you're short on time or energy, Rumpus Writing and Editing can help you update your website, create marketing materials, or post a monthly blog. Visit our website to learn more about our staff and services that will move your practice forward in 2023.


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Autumn's most beautiful adventure is coming to an end after last week's selective suitors were picked by farmers in looking for love.
However, on Monday's episode, the real test awaited when the pair met alone over the course of several days.
by Jackten Farms Turmod Buck Johnson (61) Six upbeat suitors, it was dancer Attlee Huff, 52, who caught the farmer's interest the most. After the last electionThe farmer and suitor set out on a romantic vacation trip to Olison to see if an affair could get out of it all.
But – during the Last Supper at Sunnmørsbyen – he told the emotional Johnson that it wasn't the two of them.
What I know in my heart is that I have made a very good friend. But I'm not sure if we're lovers.
Watch the heartbreaking farewell in the video at the top of the story.
– Don't fall in love
When TV 2 contacts Hoff after the dumping, the suitor shares that he is still in contact with the farmer.
"We have a good tone and talk as straightforward as about the Jackton trip we had together — and other than that short talking about everyday life and what we do," he says.
The 52-year-old says that their relationship has become more friendly.
Watch Jakten's first kiss of the year
– I was there getting to know Turmod and was very happy with my choice. Feelings built up over time, and there was and still is good chemistry between us, but it didn't turn into infatuation or love, he explains, and continues:
– Maybe we are very different like people? Perhaps encounters in love are about whether you clap or not.
The suitor says it was a delicate moment when Johnson rejected him during dinner.
– I was very touched by Turmod's tears. It was nice getting to know each other better, but the expectations of love somehow stuck on us. We tried to give each other a chance and see if it could be us, but I felt like it should be defined as a bonus.
– Nice experience
Hof thinks the farm stay in Halden was a good experience, and he's glad he got to know people both in front of and behind the camera.
— and it was a great experience in every way — and a bit of fun to win a reality show, then, it should be fair to say even if it wasn't us, he says.
He was worried about one of the suitors: – I thought you collapsed
When asked whether or not he lives a single life, he answers the following:
– I am open to life and love, so we will see who communicates with you.
– Too hard
Johnson explains to TV 2 that he wasn't sure about his feelings, and that the trip to western Norway made him sure what he wanted.
– I had to feel from inside if it was infatuation and love, or if it was friendship, so I gave him a chance to go there. I didn't want to make any hasty decisions until I was completely sure. I did that trip to Alesund for sure, and then I realized that's not how we should build a future together as lovers, he says.
Jakten-frier surprises intimate inspiration
Bunden describes the decision to throw Hof out for dinner as a "cruel process."
– What was so hard and so painful was that Atl was so excited and looking forward to dinner. The fire on the fireplace, the candles – everything was set up for a very romantic evening, and then I knew in my heart that it would be the other way around.
His head was paralyzed and his thoughts raced. The 61-year-old wondered how to turn down a suitor without hurting him too much.
– He's so handsome. I don't want to be stupid, ugly, or mean in any way, but I didn't know how to say it. So I sent a prayer to the universe: "Help, help. What should I do?".
The hunt for Turmod is confirmed by suitors: – Klein Geren
But the words eventually fell into place.
– I was hoping he'd feel like I really tried. He says I didn't do it for fun, or it was some kind of nonsense.
Johnsen doesn't have a good answer as to why it didn't work out between them.
– It's a little difficult. It must come from somewhere deep in the body, soul, brain, and mind – all of these layers must desire it. Perhaps this is the attraction.
We see looking for love Monday and Wednesday at 8 pm on TV 2 Direkte, and whenever you want TV 2 play.
"Infuriatingly humble web fan. Writer. Alcohol geek. Passionate explorer. Evil problem solver. Incurable zombie expert."


text: Yes. Watch the final credits (either at the end of the game or from the main menu) with the music volume turned up to hear the song sung beautifully by Billie Wild rick, the same person who did Elisabet's voice. Lovely and haunting -- though I liked it better when I thought it was talking about a person rather than a box of treasure.


text:
Hello everyone
I like to be able to present in a conversational way by clicking on topics and drilling deeper down to subtopics and sub-sub topics. However, I like to be able to go back to overview directly without going through subtopic and topic.
Is it possible to make a "home-button" or a link so that you always can come back to the overview from anywhere in the presentation?


text:
Narratives of an Outsourced Information Systems Failure in a Small Enterprise
In this study we investigate a case of an outsourced information systems (IS) failure (OISF) within the collaborative partnership among asymmetric partners. A small and medium-sized enterprise (SME) is dealing with an independent software vendor (ISV) conducting a project of implementing an IS that fails. We used a narrative research methodology for our enquiry. In the construction of our narrative we followed the OISF framework as a theoretical touchstone. As a major conclusion we found that asymmetric collaborations with partners with inadequate managerial and technical IT capabilities are extremely prone to OISF's. We showed that an outcome-based and fixed price contract is not an adequate instrument to conduct such a partnership and to avoid a failure.
Origin : Files produced by the author(s)


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Bowing to the constant demand of the dabbawalas, Deputy Chief Minister Ajit Pawar has ordered concerned departments to provide houses to them under the PM Awas Yojana. Pawar has called for immediate action to resolve the housing needs of dabbawalas. Since 2005 dabbawalas have been demanding for home in Mumbai. Pawar also announced that Dabbawala Bhawan will be constructed in the city to showcase the work of dabbawalas. The housing scheme was launched in 2015 with an objective of providing affordable housing for all in urban areas by year 2022.
There are nearly 5,000 Dabbawalas in the city who charges around Rs 1000 a month from a customer to pick up and deliver home-cooked meals at their offices.
Dabbawalas have welcomed the announcement. When asked, Dr. Pawan Agrawal ,CEO of the Mumbai Dabbawala Association, told AV, "The move is quite appreciable, the dabbawalas are in thousands and all can take advantage of this scheme because most of them are from lower middle-class families and their ancestors too have no properties of their own. As an organization, if these people get benefit, many other organizations like us can approach for the same."
A delegation of the association met Ajit Pawar, along with labour and excise department minister Dilip Walse-Patil, in Mantralaya. Following the meeting, the deputy CM directed the officials to work out a plan for the same. The Dabbawala association's spokesperson Subhash Talekar said, "We welcome the decision as it was our demand since 2005 as most of us hail from villages in Pune. Like mill workers and Mathadi kamgars, we also want homes in Mumbai. We now hope that we will get homes."
"It is good news. We thank Ajit Dada for taking such a decision. It will be really good for the welfare of dabbawalas," he added.
Mumbai's dabbawalas are famous across the world for their management skills and unique system of marking which enables them to collect lunch boxes from homes of working professionals and deliver them on time in their offices. They deliver two lakh lunch boxes everyday but struggle with their own housing needs in Mumbai.
The housing for dabbawalas will be provided under Pradhan Mantri Awas Yojana or PMAY scheme that was launched in 2015 with the aim of providing housing for all in urban areas by year 2022. Through the scheme, the centre provides assistance to the implanting agencies through the states union territories and central nodal agencies fro providing house to all eligible families.
As per a report, the large number of dabbawalas comes from the Varkari community of Maharashtra. The dabbawalas work on a system of colour code which determines where the box is picked up, sorted and delivered. Also, if the one dabba picked up from a home then the dabba goes through six dabbawalas before it reaches the consumer. The same rule applies for its return trio.


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Pushing your bike into tight corners, forcing it out to meet aggressive lines as well as bumping over the biggest roots, obstacles and rocks can be extremely tiring and demanding to a rider's physique. Full body workouts are essential and therefore part of the mix to a champion's fitness. Maintain your strength and explosiveness with the world champion as Nino Schurter welcomes us back into the gym for a strength training session.
Catch up on the other episodes:
Gym with Nino Schurter ep 1
Find the Perfect match Nino Schurter ep 2
Fitter Faster Stronger Nino Schurter ep 3


text:
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Does the thought of finding and retaining employees keep you awake at night? At the American Society of Concrete Contractors Annual Conference in Chicago, IL, more than 20 participants gathered at 5:30 a.m. to discuss the employee shortage and possible steps to remedy the situation moving forward.
First, we must acknowledge this is not a new problem. Over the years it has remained on the list of contractor concerns. The urgency has risen to where it is often the most citied obstacle to growing the business. Most industries are currently experiencing a labor shortage. The difference is that construction work has developed a stigma that is drying up the pipeline of future employees. It is often viewed as an unappealing career option by the emerging workforce.
The construction industry has historically done a poor job of marketing itself. It carries a misunderstood reputation as a 'dirty' job and not something many young people aspire to pursue as a profession. Most young people are unaware of the many career paths available in the construction industry. Many are not familiar with the transformation that has occurred on the jobsite. This includes the widespread use of high-tech layout and design tools, as well as ergonomic and automated equipment that makes life easier and also requires more advanced skills. In most cases, this is no longer back-breaking work performed by low-skilled labor.
Combat Social Norms
Young people have been taught that there is one path to success. That path leads to a university or college. From an early age, teachers frequently ask students which university they plan on attending. Higher education becomes the expectation. If you are smart enough, you go to a university or prestigious college. If you 'fail' to make it into one of these, you settle for a junior college. If you 'fail' to get into junior college, then you go to work in the trades.
This stigma leaves few students actually wanting to pursue the trades as their first choice. Students would rather have their parents and peers view them as successful. This is a powerful social norm that is difficult to change, and it will not be an easy or quick transformation.
In actuality, the one career path system just does not work for everyone and students who excel in the trades or future craftsmen should be encouraged, not viewed as failures. Skilled craftsmen are in very short supply and there are few apprentices who will eventually replace them. One of the contractors on the panel shared that his payroll clerk was amazed how the craftsmen in the field actually made more than most of the office personnel.
One factor changing viewpoints is the mounting student loan debt crisis. Many students are graduating with debt that often reaches six figures. They are competing for jobs that don't necessarily support these debt loads.
By entering the vocational trades upon graduation, many of these students could avoid massive debt while still learning a highly sought after skill.
Market to Youth
The negative view youth have of the construction market is really a marketing challenge for those in the construction field. The industry needs to illustrate all of the career paths available. This includes potential promotions and salary levels.
You need to target all youth, not just those who will not make it into a university. The reality is that some people are 'wired' to build things. These are students who either like working with their hands or gain satisfaction from seeing something that they have built. One concrete construction firm owners, for instance, owned a successful business consulting firm prior to starting his contracting business. He changed professions because he liked building things, although he admitted business consulting paid more.
Students who are 'prewired' for building are out there. It is your job to identify these individuals and attract them to your business. It is important to realize that being 'wired' for building and actually possessing the necessary skills are not the same thing. Most schools have eliminated vocational education programs and there are not many kids left who grew up on farms. Unless a student's parent was a carpenter, plumber or tradesman, he or she likely experienced limited exposure to practical experience. You will need to find that student and provide the appropriate training.
Social media is a good way to reach prospects. Remember, these students are probably too young to be using Linkedin. To reach this audience you will need to consider the channels they frequent, such as Twitter, Youtube, Instagram and Facebook.
An approach one contractor at the conference reported using included testimonials from younger workers in the company. These video testimonials included what it was like to work for the company and what a typical day looked like.
Work with the Schools
Schools have limited budgets. Most have dropped vocational programs to maximize usage of available funds. But most schools are open to outside help. Several of the contractors at the round table had positive experiences working with their local schools.
Realize that most schools do not currently have the resources or capability to provide the training. That becomes your job. Investigate the willingness to set up an on-the-job training program to expose students to the career paths available in the industry.
This does require an investment on the part of a contractor. Students can't simply be placed on the jobsite. There are restrictions on what they will be permitted to do and a structured program will need to be put in place. The school provides the students and it is up to the contractor to provide the education. But the benefits can be very rewarding.
One company was presenting participants in the program with certificates of completion and an offer to work for the company upon graduation. The certificate of completion may not sound like much, but it was a big deal to students who participated it. Some had never received this type of recognition before.
Examine Your Benefits
One of the more interesting comments came from a well-established East Coast contractor. This union contractor reported the company had no problem finding an ample supply of workers. The contractor admitted the union benefits and pay were a big draw, but advised others to review their pay and benefits. Not every region of the country offers the same cost of living. Employees should not have to work more than 60 hours a week to earn a decent standard of living in the regions where they live.
The drawback to this approach is that it is not adding additional workers to the overall employee pipeline. By increasing the wages, you may be able to attract skilled labor from your competitors. This can actually lead to a bidding war that drives up the cost of operation.
Don't Overlook Vets
It should go without saying that military veterans are a great source of future employees. These people often have comparable skills to succeed on the jobsite and many in the room had success hiring veterans.
Take Action
It was obvious that contractors at this conference have put a lot of thought into attracting future employees. With the pipeline at critically low levels, this is an issue you cannot afford to ignore. Develop and plan now if you have not already. This issue is not going to go away any time soon. No one can solve this problem for you.
The youth that are 'wired' for building are out there. You need a plan to target these potential employees and convince them that there is a career path that best suits their interests.


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August 05, 2006
Roasted Whole Trout with Herbs
Last night, when I was getting ready to leave work, I had no idea what I was going to make for dinner. So, I decided to just head for the grocery store, and hope that something would strike me.
I got to the fish counter, and there was a sign: "Rainbow Trout - $2.99/lb". Now, I'm always a little worried when I see fish on sale (does it mean that it's no good and they're trying to get rid of it?), but it's a lot harder to pass off a skanky whole fish as fresh than a skanky filet. These trout looked nice, so I got 2, loaded up on fresh herbs, and headed home to make dinner.
Now, I've never cooked whole trout before in my life, but I wasn't worried, because I have Mark Bittman's Fish, which is pretty much guaranteed to have cooking instructions for any type of seafood I might haul home from the market. So, I found a recipe for whole trout with herbs, and tweaked it a little to account for what I actually had on hand. (If I recall correctly, Bittman uses parsley and tarragon. I used parsley, rosemary, and thyme. Next time I'll have to add sage, and call it Scarborough Fair Trout.)
- 2 whole trout (about 1 lb. each), cleaned and gutted, heads on.
- 1 tbsp. minced parsley, plus extra for garnish
- 1 tsp. minced fresh rosemary leaves, plus ~4 small rosemary branches
- 1 tsp. fresh thyme leaves, plus ~4 sprigs fresh thyme
- 1 large clove garlic, minced
- 1 tbsp. lemon juice
- 2 tbsp. olive oil
- salt and pepper to taste
- lemon wedges
- Preheat the oven to 450 degrees.
- Mix the parsley, rosemary, thyme, garlic, lemon juice, olive oil in a small bowl.
- Salt and pepper the trout inside and out. Stuff the cavity of each with rosemary branches and thyme sprigs. Smear the outside with the herb/lemon/olive oil mixture and put the trout in a baking dish.
- Bake for 15 minutes, or until the flesh flakes off easily with a fork. Serve garnished with extra parsley, and lemon wedges.
Trout tastes a lot like a very mild salmon, with a nice buttery texture. I think it would be very easy for it to be bland, but roasting it with the herbs this way really gets the herb flavor into the fish.
Posted by spaceling at August 5, 2006 10:33 AM
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UWA Summer Studio
Lisboa, Portugal
Year – 2016
University – UWA, University of Western Australia
Coordination - Kirill de Lancastre Jedenov
Location – Lisbon, Portugal
Lecturers – Albuquerque Goinhas, Cristina de Mendonça, Nuno Griff, Kirill de Lancastre Jedenov
Assistants - Oscar Barnay, Pavol Dobšinský
Students – Alaric Korb, Anna Mustard, Angus McBride, Benjamin Moffitt, Beth Litjens, Charlotte Lane, Charlotte Smail, Craig Nener, Jaimie Hilton, Julia Kaptein, Katarina Schnell, Kate Bonner, Kathryn Sims, Lesley-Claire Howard, Marian Mahendra, Mitchell Hender, Monique Annesley, Nikita Filippou, Rachel Tallon, Rebecca Hawkett, Sean Heath
Seminars – Carrilho da Graça, Espacialistas, João Antunes, Jorge Mealha, Luca Martinucci, Margarida Grácio Nunes, Paulo Mendes Ribeiro, Pedro Bandeira, Pedro Ressano Garcia, Ricardo Carvalho
Studio Critics – André Tavares, António Louro, Bernardo Vaz Pinto, Isabel Barbas, João Ferrão, Luís Santiago Baptista, Manuel Aires Mateus, Manuel Henriques
Photography - MTG (Mercês Tomaz Gomes)
EMBAIXADA/UNLEASH was invited by Kirill de Lancastre Jedenov, a teacher at University of Western Australia, to present a studio application for its annual European Summer Studios. This studio abroad, organised by UWA, is a learning programme that offers students the opportunity to interact with practitioners, in a setting near or in their design firms.
Aiming to move the experience closer to the "real work" environment, EMBAIXADA involved each of the leading partners in the studio's work in progress, sharing their practice methodologies with the students. The idea of having a studio that maintains a close link with the practical immersion of architecture, led the office to propose to the Lisbon Architecture Triennial the construction of a 1/1 scale model to be present at the Triennial edition in October 2016.
Therefore, during January and February EMBAIXADA transformed Sinel de Cordes Palace (the triennial headquarters) into an extension of the office, and oversaw 21 students in an academic experiment that brought together theory and design practice with the real world and with a culture geographically located in the antipodes. During the process, students worked on a design, within a very specific disciplinary theme, in the knowledge that it would be inhabited.
The Thickness of the Limit
This studio aimed to make students aware of the importance of dealing with the limits existing in western cities using the city of Lisbon as an example. Following academic research developed by Cristina de Mendonça with the very same name "The Thickness of the Limit", it is intended to explore strategies to dismantle the idea of the boundary within the spectrum of building scale. The final goal was to build a 1/1 scaled model.
The studio activities were divided into two major parts, the Inputs and the Outputs. The Inputs provided questions to be answered during the Studio work and consisted of their direct relationship with the daily work at Embaixada's office; several lectures by invited architects/artists that gave an extra contribution to the studio's work in progress; and also on architectural trips through selected buildings in Portugal. The Outputs consisted of student discussion and experiments on the proposed subject which was the research carried out through four exercises.
Assignment 1 - "Ways of seeing"
This assignment explored strategies of perception and conception on site specifics through quantitative analysis. Students were to select a task and enroll in a working group (max. 5 students per group). Physical model, 3D digital model, 2D Technical drawings and on-site action research (creating on site records of measuring tools), should be made providing a work base for the next assignments.
Assignment 2 - "The eyes of the skin"
This assignment explored strategies of perception and conception on site specifics through qualitative analysis. Students should analyse and draw intangible elements of the site from a phenomenological perspective (e.g. individual fluxes, privacy assessment, site-specific conceptual interventions, etc.).
Assignment 3 - "The thickness of the limit" (first approach)
Starting with the idea of a wall dividing two spaces, the aim of this assignment was to learn how to deconstruct physical limits/boundaries between spaces without losing the prominent characteristics. Students should place a wall in the garden and develop its characteristics in order to create relations between the new generated spaces. Students should find ways to materialise the result of their research in a synthetic way.
Assignment 4 - "The thickness of the limit" (pavilion project)
Designing a pavilion over the learned concepts of quantitative and qualitative analysis, and deconstructing physical limits. The pavilion should be placed at the Sinel de Cordes Palace garden and it should provide inhabitable space/s to be within community as well as maintaining a sense of privacy.
In the end, out of the five proposals, two were awarded - Palácio Preto and Line the Pavilion -, both deal with the studio's theme in its fullness, exploring the pavilion as a generator of space in relation to its physical surroundings, creating different intimate spaces in confrontation with the existing limits of the Palace's courtyard.
The Line the Pavilion was selected to be built, and through a sucessuful crowdfunding campaing the pavilion open to the public in October 2016 for the fourth Edition of Lisbon Architecture Triennale.


text: On 5/16/2018 11:07 AM, Derek Buitenhuis wrote: > On Mon, May 14, 2018 at 5:50 PM, Derek Buitenhuis > <derek.buitenhuis at gmail.com> wrote: >> This is a little rambling / stream of thought, but take it as you will, >> and perhaps some discussion or change comes of it. Or, more likely, personal >> attacks, flames, and no change. Or 1 few will reply and then the thread will >> die and people will go on like it never happened. Sorry to be pessimistic, >> but history speaks for itself. > > 48 hours later and: > - Some votes for repealing the CoC. > - One vote for keeping I think the issue is not the lack of clear enforcement rules, but a lack of a proactive enforcer, be it a person or a body. The CoC has done nothing but give people something to say when they want to be passive aggressive in a discussion. Changing it to a more strict one like Videolan's will not affect that. This lack of interest you mentioned is exactly the issue. If it all depends on the coordinated action and involvement of a dozen or so developers, then nothing will happen. As i said, the one time action was called for a developer's behavior, no voter showed up. I'm up for keeping it or making it stricter. But it needs to be enforced. So how do we get a dozen or so people to stop looking away every time someone is a dick in a thread? > - Some replies that do neither, but prefer to attack the example > rather than the actual point of the email. > - As suspected, a large chunk of the project's developers have > simply not replied, hoping it just goes away or blows over, or > don't care. > > I'd say the prediction was pretty accurated. I don't forsee any change, as per > usual. Just some flames, and nothing happens, as is tradition. Can't change > a community who are not interested and/or actively hostile to trying to be > less toxic. (inb4 'I just want to write code and not do politics/etc." replies, > which really mean 'I am OK with the way it is and can't be arsed to make > it less toxic for others.') > > Cheers, > - Derek > _______________________________________________ > ffmpeg-devel mailing list > ffmpeg-devel at ffmpeg.org > http://ffmpeg.org/mailman/listinfo/ffmpeg-devel >


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Category at a Glance | Academics | Dive Flows | Quiz | Reading— Visualization
By this time, you have had several opportunities to learn controlled, stable fall. Freefall students (AFF and tandem) have a head start on the point of the next lesson's freefall skills: relaxed control using the procedure, "altitude, arch, legs, relax."
Tandem and AFF students usually begin this category with two AFF Instructors but should jump with only one before advancing.
IAD and static-line students perform the first jump in this category identically to the last jump in Category B, preferably on the same day. On subsequent jumps, they practice controlled freefall for ten seconds before deployment on at least two jumps to become accustomed to the shift in direction of the relative wind from ahead to below. It also introduces them to the speed of a near-terminal-velocity freefall.
You need to establish confidence and relaxed freefall control. A controlled freefall in Category C may include some random heading drift, which you learn to lessen by relaxing and focusing on the basics: altitude, arch, legs, and relax.
The instructor shows you more about how to plan a canopy pattern for various wind speeds and directions to improve traffic flow and avoid conflicts with obstacles and other jumpers. You learn to predict, avoid, and react to turbulence induced by wind over obstacles and heated areas.
You'll learn ways to approach an off-field landing, and the drop zone staff explains how off-field landings may affect neighbor relations.
You'll meet the FAA-rated parachute rigger, who packs and maintains the reserve parachute. He or she will familiarize you with the closed parachute system, and you'll observe the pre-flight equipment check.
Emergency review includes discussion on an inadvertently opened parachute in and around the aircraft and how to avoid and respond to it. Also, your instructor provides more details on recognizing and avoiding landing obstacles and how to approach off-field landings.
Instructor: Transition Protocol
The USPA Tandem program terminates after Category B. All former tandem students may continue in the AFF program, or the remainder of the USPA IAD or static-line progression.
Crossover students to AFF who have completed Category B in the IAD and static-line program will need additional training on the AFF climbout, set-up, and count; AFF freefall communications; use of the altimeter in freefall; and the main parachute deployment device, including deployment device malfunctions. IAD and static-line students may make the first jump in this category with one AFF Instructor on the recommendation of the USPA IAD or Static-Line Instructor and with the concurrence of the USPA AFF Instructor.
Crossover students to IAD or static line who have completed Category B in another training method will need additional training on the IAD or static-line climbout, set-up, and exit commands and use and malfunctions of the IAD or static-line deployment system. AFF and tandem students who have completed Category B must demonstrate a stable practice deployment on an IAD or static-line jump before proceeding to a clear and pull.