text:
About this paper
The move to online banking is hugely positive for both financial institutions and their customers. Banks are using online payments as a first step in building a more coherent, holistic view of each customer. With customers' growing preference for communicating through tablets, smartphones and other mobile devices, banks must continue to offer up new ways for them to interact with their accounts. But as growth rises, online fraud is increasingly seen as an urgent threat by banks across the world. With fraudsters capable of circumventing banks' existing authentication systems, the need for sophisticated analytics technology that enables investigators to take proactive action to eliminate online fraud at the source is becoming ever more acute.
About SAS
SAS is the leader in analytics. Through innovative software and services, SAS empowers and inspires customers around the world to transform data into intelligence. SAS gives you THE POWER TO KNOW®.
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text:
Implementing login correctly is a surprisingly complicated bit of coding, particularly in an AJAX application. For example, an HTTP-delivered web page can't use HTTPS to talk to the server to protect the password. You can handle this situation in a klunky-but-easy or elegant-but-hard way, but you have to handle it. This article looks at the various obstacles, describe the solutions in code, and points to some important best practices. Next month, I will look at a full implementation of a generic login system that works on both HTTP-delivered and HTTPS-delivered pages.
Storing Passwords
The first issue is universal, and must be done regardless of how you implement login. The fundamental principle is: Never store an unencrypted password in a database.
As a general rule, you should write your code under the assumption that your server is vulnerable. Passwords are particularly sensitive, because many users use the same password for every website they access, (including their bank). Even if the data associated with your particular app isn't particularly sensitive, don't assume that it doesn't much matter if the passwords are secure on your site. You really don't want to give a hacker the password to your users' bank account. Consequently, not even you should know your users' passwords.
This problem is easy to solve using cryptographic hashing. The basic notion is that a cryptographic hash (sometimes called a message digest) is a longish number (typically 128 bits or more) that uniquely identifies a block of text (anything from a book-length chunk of text to a password). Change one byte of the input, and something like half of the bits in the hash should change. The number of hashes is so large that the odds of two different texts hashing to the same value are astronomically low. It really doesn't matter if this collision does happen, because collisions don't affect security in most protocols. Every time you hash the same input, though, you get the same result. Finally, you can't revert from the hash back to the original value. Given a hash of a password, there's no way to "unhash" it to get the original password.
The basic idea is to store a hashed version of the password in the database (Figure 1). When you validate a password, the server hashes the presented password, then compares that hash to the stored hash. If the two hashes match, then the passwords match (Figure 2).
One way to attack a site is to grab the set of hashed passwords, then create hashes of likely passwords (when I was at college, something like 80% of the passwords in use were characters from The Lord of The Rings). Another attack involves taking an entire dictionary of the English language and hashing every word in it. You then compare the hashed dictionary words to the ones that you've stolen. If the hashes match, then you've found the passwords. Similarly, two identical passwords will hash to the same value, so if you break any one of them, you have all of them.
Both of these problems are solved by something called salt. The basic idea is to add a string (the salt) to the password, typically by XORing the characters in the salt to those in the password in somewhat complicated ways. Because usernames are unique, they work pretty well as salt, but you can also just use a random number (cryptographically superior, but annoying in practice becasue it has to be stored somewhere). You should always salt the password before hashing it.
Several cryptographic hash algorithms exist, but some of them (MD5 and SHA1) have known vulnerabilities. Your best bets are the algorithms called SHA-2 (which come in various flavors with varying levels of security SHA-256 is adequate for our purposes) and BCrypt (which is based on the Blowfish encryption algorithm). I've been using a Java BCrypt implementation that I got from http://www.mindrot.org/projects/jBCrypt/.
Create a hash like this:
String hashed = BCrypt.hashpw( password, BCrypt.genSalt() );
genSalt() method returns a random number, but you could use the username if you like. Verify the password like this:
if( BCrypt.checkpw(candidatePassword, hashed) ) // candidate matches
The string returned from
hashpw() has the salt encoded into it, so it doesn't have to be stored separately.
Just for fun, and to demonstrate why you don't want to use them, here's part of what you'd do to accomplish the same thing with the Java Encryption APIs:
byte[] salt = new byte[]{ (byte)0x3a, (byte)0x44, ... , (byte)0x31 }; int iterations = 1000; // should be >= 1000 char[] password = getPasswordFromUser(); PBEKeySpec spec = new PBEKeySpec( password, salt, iterations ); SecretKeyFactory factory = SecretKeyFactory.getInstance("PBEWithMD5AndDES"); SecretKey key = factory.generateSecret( spec ); Cipher c = Cipher.getInstance("PBEWithMD5AndDES"); byte[] hashedValue = c.doFinal( plaintext );

subset: commoncrawl


text:
'It is hard to believe that a $250 phone can look so good.'
'The OnePlus X is possibly the nicest looking phone to have come from the Chinese start-up so far. '
'You need an invitation to buy one.'
'The OnePlus X is a great phone that offers terrific value for money – it will meet most smartphone users needs. '
'Considering how good-looking the display is, and how impressive the performance is – and the battery life isn't too bad either – it's hard to see how anyone could be disappointed with the Moto G4. '
'Otherwise, your search for a great phone at a low price ends here. '
'First impressions of the phone are that it's pretty responsive, but with the odd glitch here and there.'
'No useless software'
'The Redmi Note 3 is a thoughtfully targeted device with a premium metal build, flagship-grade specs, and an iconic MIUI launcher. '
'I did have to add that "nearly" there because the screen's colors aren't exactly accurate. '
'Great design and build.'
'The screen is bright and with realistic colours and great viewing angles, making the Note 3 an ideal mobile device on which to enjoy video.'
'The Oppo F1 is a neat phone, particularly if you're after something that'll keep you away from pricey contracts. '
'Great value.'
'Slim, part-metal frame.'
'Sleek design and sturdy build.'
'The Samsung Galaxy J5 is a fine budget smartphone. '
'TouchWiz interface still feels relatively smooth and responsive, and apps don't take an age to open either.'
'This display is pretty incredible for the price, despite its resolution.'
'This could be the best value phone you'll see this year. '
'Previous P-series phones have been good-looking, but the P8 takes Huawei's definition of premium to the next level.'
'Spend some time with the P8, though, and the iPhone comparisons give way to genuine appreciation—it might be a copycat.'
'The phone looks gorgeous and its design is as refined as it gets no matter what angle you look at it. '
'Windows 10 mobile still not perfect.'
'This makes it great for watching content on your phone as the sound is directed towards you.'
'Camera has poor automatic exposure and white balance settings. '
'Very sluggish performance'
'Specs bordering on dated.'
'Also included with the Asus ZenFone Max is a 1A/5V charger that is horribly inadequate for a phone with a battery of this size.'
'Rarely did we get a great shot. '
'The Zenfone Max puts its 5,000mAh battery to good use to post an endurance rating of 121 hours;. '
'polished overall experience'
'It's easily the most impressive phone available under $300, and it doesn't force you to make the compromises that are commonly required by cheap phones. '
'Mesmerizing IPS-based display'
'While the software and audio hardware are great, the Idol 3 is not a smartphone you'll pick for its visual design. '
'From the minimalist look in front to the textured 'moonstone grey' back panel, the phone is still attractive and feels great to hold. '
ReviewGist helps you find the best products to buy by making sense of online reviews.
We are currently aggregating 376,500 reviews
covering over 29,474 products.
© 2020 ReviewGist.com. All Rights Reserved.


text:
Cooking For Engineers
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Kitchen Notes: Additives
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Posted: Fri Mar 17, 2006 8:04 pm
Post subject: Folic Acid
It's also important and interesting to note that synthetic folic acid that is added to foods to increase their folate content and also to multivitamins or supplements is much better absorbed by the body than forms of naturally occuring folate. It's one of the few vitamins whose synthetic form is more absorbable than the naturally occuring form. PS I have a degree in human nutrition from the University of Florida, I promise I'm not making this up!
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Posted: Thu Mar 30, 2006 9:17 pm
Post subject: Seaweed in ice cream
Reading through the comments, I noticed several mentioned that seaweed extract should not be added to ice cream to make it more creamy. Those extracts are not necessarily added to make ice cream more creamy, but to keep ice crystal size small as the ice cream sits in you self-defrosting freezer. Don't get me wrong-I do like Bryers-but ice cream without those extracts get icy very quickly in the freezer. So unless you plan on eating all the ice cream in a short amount of time, don't be afraid of buying ice cream with a bit of seaweed in it. Cream doesn't give the creamy texture, the small ice crystals do.
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Posted: Tue Jul 18, 2006 5:20 am
Post subject: try reading labels in Australia
I've been into reading food labels for a while now, but got stymied when we moved to Australia from the US. Down here they are required to use codes from a lookup table rather than actual ingredients, so it might look something like this: (exerpt from my bread)
vegetable emulsifier(471, 322), food acid( 260), mineral (170), flour treatment agent (300), preservative (202).
This is ridiculous because you actually have no idea what is in your food anymore. The list is made available on a governmental website, but really who is going to carry around a list of 1500 items when they do their shopping? It seems like a total food industry scam to me.
Anyway, maybe you should file this under 'misplaced rant'.
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Posted: Thu Sep 07, 2006 5:16 pm
Post subject: Iron entry
I noticed the iron entry says that there are no side effects for iron as a food additive and then looks like it has an asterisk, but I can't find a footnote for it on the page. I thought you might add in the table that overdosing on iron supplements is a major cause of fatal poisoning in children. It's such a harmless seeming thing that it's good to be aware of this.
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Jeremy in Mich
Posted: Mon Oct 30, 2006 6:43 pm
Post subject: aluminum phosphate
I notice that your list does not have alumimum phosphate or any alumimum additives (i.e baking powder component). Does alumimum in the diet contribute or cause Alzheimer's ? I dont know, although I do know that there it concerns me that it might, and after seeing several family members go through Alzheimer's it bothers me that it is in a number of foods still.
For example almost all of those frozen pizzas and some frozen foods have it.
sometimes tortillas do and many pre-mixed baking mixes still have it.
I was just surpirxed not to see it one your list...
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Joined: 18 Jul 2005
Posts: 29
Posted: Tue Oct 31, 2006 1:07 am
Post subject:
Rumford baking powder is one of the few that is aluminum free. Works great.
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Jeremy in Mich
Posted: Mon Nov 06, 2006 5:47 pm
Post subject:
I rarely ever use baking powder, but aluminum is still used in some, although not as much as it used to be. Right now I have an aluminum and phosphate free backing powder with only calcum carbonate and citric acid, not that phosphates are really that bad, I think they are hard on the kidneys maybe?
my favorite thing was to make pancakes with baking soda and sour/butter milk (mild with a table spoon of vingar) it works great and I thought they tasted great without the aftertaste of baking powder, maybe it didnt make a diference i dunno.
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Joined: 08 Oct 2006
Posts: 42
Location: Massachusetts
Posted: Thu Nov 16, 2006 12:25 am
Post subject: Thank you
Thanks Michael,
For opening up this topic.
As someone who finds cooking relaxing, I generally don't eat pre-prepared foods (except, of course Cheetos for breakfast), both because of a suspicion of additives, but also because of an objection to the "sameness" of mass produced foodstuffs. I can make a pound of beans in a pressure cooker for about .89 cents or I can buy a can of beans for about the same price.
I rarely buy the can because I like the variability of my own cooking. And I know what has gone in to it.
(Except that the pressure cooker is aluminum, and who knows what the dried beans have been treated with to prevent pests and mold, oh well...)
I know a lot of people who distain cooking because they consider it a distraction, or they just don't have the time.
I treasure distraction...Sometimes just standing in the kitchen on a sunny afternoon chopping veggies feels good. I always find that ordinary tasks open up the mind, my best solutions usually come when I am doing dishes, riding on the bus, anything except staring at a piece of paper (or computer screen)
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Posted: Tue May 22, 2007 2:20 am
Post subject: Artificial sugar/sweetener
A note about artificial low carb sugar /sweetener. This came up as a tangent in my conservation biology class a while ago. The low carb sweeteners are a modified form of sugar. As it is almost sugar, it retains the sweet taste. However, the body recognizes it as a toxin so it does not metabolize it. Most of it passes through your system, but a small amount (something like 5-15%, I cant remember exactly) accumulates in your body. I don't know of evidence saying this is harmful, but your body thinks it is toxic.... Not to mention the completely unknown environmental consequences of this now common ingredient.
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Posted: Wed Jun 06, 2007 3:03 am
Post subject: Fat free Half n' Half
I saw artifical colors listed on the side of carton of my Fat Free Half n' Half. I wrote them to find out what these colors where...and they said it was proprietory, and that they did not have to tell me. I have heard some horror stories about users of non-dairly creamers having long strands of ropey gunk scraped out of their arteries...
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Joined: 14 Aug 2007
Posts: 6
Posted: Wed Aug 15, 2007 2:51 pm
Post subject:
The list of additives does not load on my computer (using firefox, tried IE as well). Help?
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Michael Chu
Joined: 10 May 2005
Posts: 1654
Location: Austin, TX (USA)
Posted: Wed Aug 15, 2007 6:28 pm
Post subject:
MissLinda wrote:
The list of additives does not load on my computer (using firefox, tried IE as well). Help?
It's not working right now. Apparently, it was one of the pages that died when I moved servers and changed out most of my code. I discovered this last week, so it's on my list of things to fix. Sorry for the inconvenience.
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Joined: 14 Aug 2007
Posts: 6
Posted: Wed Aug 15, 2007 8:22 pm
Post subject:
No rush, thanks for the reply!
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Joined: 08 Oct 2006
Posts: 42
Location: Massachusetts
Posted: Thu Aug 16, 2007 12:00 pm
Post subject: CO in Meat
I recently read an artical about Carbon Monoxide gas used in meat packaging to make older meat look bright red longer. (One of the Wal___'s, I can't remember whether Walmart or Walgreens had agreed to stop doing it. The article was in Treehugger)
That's the kind of thing that really alarms me, because stuff like that isn't listed as an "ingredient".
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Joined: 24 Jul 2006
Posts: 112
Location: Camp Hill, PA
Posted: Thu Aug 16, 2007 4:59 pm
Post subject: Carbon Monoxide
because stuff like that isn't listed as an "ingredient".
Should they not also list nitrogen, oxygen, argon, carbon dioxide and water vapor??
Is there an unhealthy byproduct produced by carbon monoxide treatment? Or if not completely dissipated, is there a adverse health impact due to the presence of carbon monoxide in my packaged meat?
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This is the sad tale of Mary Ann Pretty, wife of Clement Pretty, who drank herself to death at Wistaria Villa (now number 65) Howard Road in 1886.
Mary Ann and Clement started their married life in London, with Clement working as a commercial traveller in silks. Several children were born there: Clement, Henry and John. By 1877 they had settled in Leicester, and daughter Alice was born. Perhaps due to an inheritance in 1875 from Clement's father, formerly the landlord of The Three Crowns licensed hotel in St Martins, following his death in 1875, Clement set up in business as a coal merchant. The 1877 White's Directory of Leicestershire shows Clement Pretty, colliery agent, at Stanley Terrace (Humberstone Road), and in 1881 the family lived at 22 London Road.
Things started to go wrong. In 1883 the RSPCA prosecuted an employee of Clement's, William Lemon, for cruelty. The animal was destroyed, being emaciated and having several sores on its back. Later that year, In 1883 Clement was made bankrupt and his coal merchant business liquidated. In 1885 Marian sold 5 Angel Hill, Bury St Edmunds, to a tobacconist named Ignatius Carter.
Then on the evening of 30th April 1886, Marian got drunk. She was an habitual heavy drinker. She took to her bed, complaining of a pain in her side, but this time she was taken very ill with "apoplexy" (bleeding), perhaps in her liver or her pancreas. The local doctor was called but Marian died the following afternoon. Clement moved out of Wistaria Villa shortly afterwards, being replaced in 1887 by Arthur Triggs, a commission agent.
Mary left £1,275 in her will and it seems that Clement decided to spend the money purchasing numbers 1-13 Edward Road, Clarendon Park, which he presumably rented out. These he owned until at least 1904. He moved to Holbrook Road with daughter Alice and in 1901 was "living on his own means" (or at least his late wife's!). However, when he died at the Infirmary in 1931, he left just £139 9s 6d, so Clement somehow spent it all.
I wonder why Marian was such a heavy drinker? Perhaps those years of worry about debt bankruptcy drove her to it. Clement doesn't seem to have been very good with money. Perhaps she visited her in-laws at the Three Crowns too often. Anyhow, it must have been very sad for her husband and children. Perhaps she needed the help of the Temperance folk. Regards, Elizabeth.
Leicester Chronicle, Saturday May 15th, 1886, p6.
Distressing Case of Sudden Death
An inquest was held at Knighton on Monday afternoon, before the coroner, Mr G.F. Harrison, on the body of Mary Ann Pretty, aged 42, the wife of Mr. Clement Pretty, Wistaria Villa, Howard-road, Knighton. The husband stated that the wife was taken ill through drink on the 30th inst., and did not come down stairs afterwards. About nine o'clock on Friday morning, he heard a crash in her bedroom, and on going up to see what was the matter found his wife lying on the floor. He called in Mrs Williams, who lives next door, and she assisted him to get his wife into bed. Deceased complained of feeling very unwell, and of having hurt her side. He remained with her for some time, and sent for Dr. Emmerson. He left her about three o'clock in the afternoon, and on going up to her room at 3.30 with the doctor, found her dead. She was, he said, a woman of intemperate habits. Dr Emmerson examined the body of the woman ,and found no suspicious appearances. He was of the opinion that death had resulted from a natural cause, serious apoplexy, induced by drink. He had attended her several years, and knew that she was very intemperate. A verdict in accordance with the medical evidence was returned.


text:
Brand in new romance
Russell Brand is enjoying another new romance.
The British comedian - who split from pop singer Katy Perry last December after just 14 months of marriage - was spotted holding hands with a mystery blonde woman in Los Angeles on Sunday.
A source told gossip website X17Online.com that the 'Rock of Ages' star spent most of the day filming his new TV Show 'Brand X' but was later seen chatting and affectionately holding the girl's hand.
The 37-year-old actor has dated a string of women since announcing his split from Katy, including former Spice Girls' star Geri Halliwell and twin Playboy models Carla and Melissa Howe.
Meanwhile, the 28-year-old 'Part of Me' singer has moved on with 'Half Of My Heart' singer/songwriter John Mayer.
Katy is said to be obsessed with the rocker despite their romance getting off to a rocky start because he wouldn't commit.
But a source revealed that they barely acknowledged other guests at Katy's 28th birthday party last month because "they were in a world of their own."
An insider said: "She didn't even talk to her friends much. It was just her and John. She's obsessed with him. She said hello to people but then went right back to him."
Friends say Katy "believes she can change" John and "doesn't want to be just another one of his conquests."
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This product is out of stock
A go-everywhere mini shopper crafted from satin with gathering and ruffles at the edges. Lightweight and versatile, the design is defined by tubular handles sewn into the casing. Concealed magnetic closure, inside pockets. Measurements: 30 x 30 x 7 cm.
Product name: NUDIMINI
Product code: 4511010703002
Distributed by Manifatture del Nord S.r.l. Unipersonale, with registered office in Reggio Emilia (Italia), Via Mazzacurati n. 6, 42122
Bag: 100% polyester; Lining in polyester.
No special treatment is required to maintain our bags' appearance and functionality over time. You should always refer to a specialised centre for the cleaning of bags.
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text:
EuroView: Quarterly Market Insight - Q1 review and Brexit implications
EuroView: Quarterly Market Insight - Q1 review and Brexit implications
During our last quarterly review we highlighted the increased market volatility driven by an array of global and European issues.
Many of these issues remain but sentiment has undoubtedly improved since mid-February. Our prognosis that the weak markets were a function of negative sentiment rather than a significant deterioration in the economic fundamentals appears correct in the short term.
For the purposes of this review we will primarily focus on the UK's EU referendum which many commentators view as the most important issue for UK and European investors to consider this year.
The other potential risks to markets discussed previously - such as the European recovery, corporate earnings growth, Chinese hard or soft landing, US interest rates etc - remain valid but there's not much more to be said for now.
After a brief first quarter summary of the markets, we'll move straight into the EU discussion.
Q1 summary: ECB action, Italy under pressure, growth outperforms
Pan-European equities finished the first quarter down 8% having rallied by 10% from the mid-February lows.
Much of the fear experienced in the first six weeks of 2016 - driven by global macroeconomic concerns - dissipated as Chinese data stabilised and the US Federal Reserve adopted a more dovish tone on interest rate increases.
More recently, the European Central Bank (ECB) expanded its quantitative easing programme and reduced the deposit rate to -0.4%.
Equity markets have responded quite well to the additional policy measures although ECB president Mario Draghi's comments about the limited benefits of further loosening have lead to euro appreciation.
The Dutch market was the best performing major exchange during the quarter, delivering flat returns, with Italy the main laggard, falling 15%. The Italian market suffered because of worries over the burden of non-performing loans in the banking sector.
Financials make up over a third of the index and so when they perform poorly the Italian market is dragged down further than other EU markets.
The first formal merger of two popolari (co-operative) banks also took place. These mergers are part of the government's plan to strengthen the banking sector.
However, markets were surprised by the regulator's insistence that the merger be accompanied by a rights issue, which added further uncertainty to an already uncertain situation.
Growth versus value
Stylistically we saw a continuation of the growth versus value1 trade - Chart 1 below shows growth has now outperformed value for the longest period on record.
Having said that, most of the value underperformance in the first quarter came from the European banks.
The negative interest rate environment has exerted significant pressure on net interest income and it has been an extremely tough period for the investment banks.
Other value sectors such as energy and commodity plays performed well given the recovery in oil and metals prices.
We have argued that the ongoing supply response will eventually lead to some recovery in oil, but we have less conviction around a sustainable bounce in metals prices given that supply in many areas continues to come on-stream.
Overall, as we have said previously, many of the opportunities we are seeing reside within the value category and this continues to be the case.
Chart 1: Value versus growth
Source: Schroders, Thomson DataStream, MSCI Europe Value Index Net Return versus MSCI Europe Growth Index Net Return, 18 April 2016. Past performance is not a guide to future performance and may not be repeated
The fall in the market so far this year is at least partially justified given modestly declining earnings revisions. Chart 2 shows earnings growth forecasts which have fallen from +6% to approximately flat for 2016.
There's little doubt the global growth concerns combined with increasing fears around a 'Brexit' have damaged confidence and possibly caused a delay in corporate investment decisions.
Chart 2: European earnings revisions
Source: Barclays, Schroders, 21 April 2016. STOXX 600 earnings revisions – 10-week average.
The UK referendum on UK membership
Referendum day has been announced, the gloves are off and the debate is seriously gaining momentum.
Our previous concerns look well founded, i.e. that political shenanigans would overshadow the really important issues such as the probable impact on British businesses in the event we choose to leave the EU.
In order to understand the key aspects of the debate we have carried out our own proprietary research by talking to companies about how staying or leaving the EU would impact their companies, their industries and the overall UK economy.
In addition we have had a number of internal discussions with high profile politicians, economists and current MPs.
There will be many non-economic factors influencing voters such as sovereignty and immigration. On these matters we express no opinion since, like everyone else, opinions across the team differ.
Instead, we would like to provide our survey results followed by some general thoughts around the possible market reaction as well as some sector-specific analysis.
Our overall perception of the business surveys that have been carried out in recent weeks is that UK companies are more in favour of staying in rather than leaving the EU.
Our surveys would support this perception with approximately 60% of large UK companies suggesting they felt their businesses are better off remaining within the EU.
It is worth pointing out that the response to our survey was limited with only 35 larger companies responding, of which only 22 were prepared to express a view.
A bespoke survey of 500 smaller companies (turnover >£50,000) is perhaps more illustrative of UK corporates who - when asked about their company, sector or the UK economy - were consistent in saying, two to one on each question, that the impact of leaving the EU would be negative.
In isolation these surveys would indicate that a vote to leave the EU may be negative for UK companies.
However, this generic response doesn't tell us how the markets may react or indeed which sectors could be most impacted. In the remainder of this review we will attempt to address these questions.
How likely is Brexit?
Opinion polls have tightened considerably post Prime Minister David Cameron's EU deal announcement with the average of the last ten polls (whatUKthinks.org) showing that 'remain' is ever so slightly ahead but pretty much 50/50.
Remain had a lead of 7% last Christmas, falling to <1% today, but we also need to consider the c.15% of the population that are undecided who may be more inclined to vote conservatively, favouring the existing arrangements.
This would appear to have been the case in the Scottish referendum and the UK general election.
The other, possibly better, way to judge the likelihood of Brexit is to see what the bookies are saying.
Chart 3 below shows Betfair exchange has a two-thirds implied probability of remain. It is also worth bearing in mind that the polls (and the bookies to a lesser extent) were poor predictively on the Scottish referendum and general election.
Basically, it's very hard to call despite the current remain lead and certain events (terrorism, refugee crisis, etc) could swing things considerably over the next 10 weeks.
Chart 3: Betting markets show lower Brexit risk than opinion polls
Source: Betfair.com, Schroders, 30 March 2016.
What would be the impact of a leave vote on the UK stockmarket?
We believe there are three key implications from Brexit, namely weak sterling (this would have an inflationary impact over the medium term); increased uncertainty (regulatory, political and markets); and short-term economic weakness.
On these uncertainties, the headlines would focus on political uncertainty around Scotland and David Cameron if we leave, while the financial pages would debate the sustainability of London's status as a financial centre.
One other factor to consider would be the impact on bond yields and the equity risk premium2 but it's not clear whether gilts will be seen as a safe haven or as a victim of capital flight.
A key point to make is that the UK stockmarket is very different from the UK economy, with the FTSE 100 basically a global stockmarket listed in London.
More broadly, a leave vote may have a negative impact on other European bourses as investors may fear that similar votes may follow elsewhere and challenge the sustainability of the euro.
Which sectors are likely to be affected?
We believe broadly speaking that Brexit would weigh on domestic cyclicals3, mainly consumer cyclicals and financials. Indeed, we know of two investment banks who have established baskets of stocks which they believe will suffer from Brexit.
They are both heavily weighted to the banking, real estate and retail sectors and so act as something of a proxy for current investor sentiment.
Sterling weakness benefits the overseas earners translating their profits back to sterling, and is even more of a benefit for those companies with significant overseas earnings and also with a large UK cost base since a transaction benefit would boost competitiveness.
The FTSE 100 is much better placed than the FTSE 250 in terms of overseas earnings and cyclicality (the FTSE 100 only has around 21% UK revenue and has 40% of the index in defensive sectors, compared to more than 50% UK revenue and 12% in defensives for the FTSE 250. The small-cap index, for its part, has more than 60% revenue from UK).
We have asked our analysts for some insights into their sectors.
Likely sector losers?
- General retailers: In some cases as much as 60% of retailer sourcing is in US dollars, with their entire revenue base here in the UK which means sterling weakness will have a significant impact on their profitability. In addition any economic slowdown will affect general spending, particularly discretionary purchases.
- Airlines: A highly cyclical industry with a significant chunk (>35%) of their cost base in US dollars but with limited dollar revenue which suggests the currency fluctuations will have an effect on profitability. The regulatory picture may change if the UK leaves the EU given the single aviation market structure is up for debate, but from a volume of traffic perspective, lower immigration may have an effect.
- London commercial real estate: London's ability to retain its status as Europe's pre-eminent financial centre is unclear but we have already seen a de-rating of the sector brought about by possible lower rents and funding issues.
- Housebuilders: Homebuilder companies, particularly those exposed to the London property market, are at risk especially given the extended rally in these stocks over recent years. These are highly cyclical stocks with very high operational gearing. Modest declines in house prices have a significant impact on earnings with a 1% price fall impacting earnings per share by around 5%.
- Domestic banks: Banks are economically cyclical and vulnerable to negative sentiment. The uncertainty introduced by a possible re-run of the Scottish referendum would be negative for Lloyds and Royal Bank of Scotland with higher wholesale funding costs, at least in the short-term. However, it's worth noting that valuations are very low and they will almost certainly have priced something in already for Brexit risk. The lack of clarity around the ability of multinational banks operating in London (US, Swiss, European) to passport financial services from the UK into the EU could also result in a downsizing of the broader UK financial services hub.
Likely sector winners?
- Consumer staples, pharmaceuticals, capital goods, resources and software are all big overseas earners who may benefit from the improvement in competitiveness driven by a weaker sterling for those who manufacture in the UK.
- Food retail could be an unlikely winner (depending upon the severity of short-term economic weakness) basically as sterling weakness would be inflationary. The sector tends to pass on all inflation (these are largely non-discretionary purchases and so sector pricing tends to move as one with inflation) and there is a strong correlation between sector valuations and inflation. The deflationary environment has been difficult for the sector recently, resulting in lower valuations across the sector. This could turn into a mild tailwind.
- The UK technology sector in general is a big overseas earner, and therefore would benefit in the short term from any sterling weakness resulting from Brexit. In both software and hardware, the vast majority of companies have a significant percentage (+75%) of revenue coming from overseas. However, there is a potentially negative impact from Brexit in the longer term. A large number of tech firms rely on an often international workforce; should a post-Brexit world make it harder for tech firms to attract and retain these talented individuals, this would likely have implications in the long term for firms' ability to maintain their competitive advantage of leading edge intellectual property and innovation.
Conclusion: take advantage of market volatility
The degree of uncertainty around what will happen in the event of the UK leaving the EU is significant.
It's impossible to say how long trade re-negotiations will take or indeed whether the eventual arrangements established will be positive or negative for the UK economy over the medium to long term.
It's probable that volatility will pick up in the run up to and post the referendum, whatever the outcome.
The direction of the UK and European markets will be driven by the result itself and the policy response of governments and central banks, while the reaction of individual stocks and sectors will depend to a large extent on what the market is pricing in immediately prior to the referendum.
We have attempted to take a pragmatic approach in understanding the implications for markets and sectors but our clients should be very aware that we will opportunistic and ruthless in exploiting the market inefficiencies that may arise through this volatile period.
The analysis and evidence presented is intended to inform investors and not to persuade voters or influence the outcome of the upcoming referendum.
1. Growth stocks are those with high rates of growth, both current and projected forward, while value stocks are those that have ben under-priced by the market and have the potential to rise in value.↩
2. A risk premium is the extra return that an investor expects to earn as compensation for owning an investment that is not risk free.↩
3. Cyclical stocks are those with greatest sensitivity to the economic cycle while defensive stocks are less dependent on the economy.↩
Important Information: This communication is marketing material. The views and opinions contained herein are those of the author(s) on this page, and may not necessarily represent views expressed or reflected in other Schroders communications, strategies or funds. This material is intended to be for information purposes only and is not intended as promotional material in any respect. The material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. It is not intended to provide and should not be relied on for accounting, legal or tax advice, or investment recommendations. Reliance should not be placed on the views and information in this document when taking individual investment and/or strategic decisions. Past performance is not a reliable indicator of future results. The value of an investment can go down as well as up and is not guaranteed. All investments involve risks including the risk of possible loss of principal. Information herein is believed to be reliable but Schroders does not warrant its completeness or accuracy. Some information quoted was obtained from external sources we consider to be reliable. No responsibility can be accepted for errors of fact obtained from third parties, and this data may change with market conditions. This does not exclude any duty or liability that Schroders has to its customers under any regulatory system. Regions/ sectors shown for illustrative purposes only and should not be viewed as a recommendation to buy/sell. The opinions in this material include some forecasted views. We believe we are basing our expectations and beliefs on reasonable assumptions within the bounds of what we currently know. However, there is no guarantee than any forecasts or opinions will be realised. These views and opinions may change. To the extent that you are in North America, this content is issued by Schroder Investment Management North America Inc., an indirect wholly owned subsidiary of Schroders plc and SEC registered adviser providing asset management products and services to clients in the US and Canada. For all other users, this content is issued by Schroder Investment Management Limited, 1 London Wall Place, London EC2Y 5AU. Registered No. 1893220 England. Authorised and regulated by the Financial Conduct Authority.


text:
Windows Phone Hits New Price Low as AT&T Adds $99 Prepaid Lumia 520
AT&T said on Monday that it is adding the first Windows Phone to its GoPhone prepaid brand.Nokia Lumia 520[/caption]
The big news here is the price, with AT&T selling the Lumia 520 for just $99 without a contract or subsidy.
T-Mobile has been pleased with the results of selling a similar model — the Lumia 521. That carries a $149 sticker price, though promotions with HSN, Walmart and elsewhere have brought the phone's price even lower.
"A diverse device ecosystem benefits everyone, and the addition of an affordable Windows device gives our customers yet another choice that fits their needs," AT&T devices head Jeff Bradley said in a statement.
Windows Phone boss (and now overall Windows head) Terry Myerson spoke at D: Dive Into Mobile about the challenges Windows Phones have had in the U.S. taking on the iPhone and other top-of-the-line smartphones.
The addition of models like the Lumia 520 could offer Microsoft and Nokia a different battleground among first-time smartphone owners and the budget-conscious.
Of course, Nokia is still also aiming for the high end, most recently with the Lumia 925 for T-Mobile and the just-announced Lumia 1020 for AT&T, a 41-megapixel camera phone. AT&T said preorders for that phone have already sold out.


text:
Normal Mode
It is not known exactly when the Eton Wall Game was first played, but the first recorded game was in 1766. The first of the big St Andrew's Day matches — between the Collegers and the Oppidans — was probably in 1844. The rules must obviously have been more or less agreed by then, but they were not actually printed and published until five years later.
The rules have been revised from time to time since 1849, but the game has remained essentially the same. The field of play is a fairly narrow strip, about five metres wide, running alongside a not quite straight brick wall, built in 1717 and about 110 metres from end to end. As in all forms of football, each side tries to get the ball down to the far end and then score. Players are not allowed to handle the ball, not allowed to let any part of their bodies except feet and hands touch the ground, not allowed to strike or hold their opponents, and there are also exceedingly strict 'offside' rules (no passing back and no playing in front); apart from that, almost anything goes.
Each phase of play starts with a 'bully', when about six of the ten players from each side form up against the wall and against each other, the ball is rolled in, and battle is joined. The player in possession of the ball will normally be on all fours, with the ball at his feet or under his knees. Players on his own side will attempt to support him, to establish themselves in a position where he can pass the ball to them, or to disrupt the opposition. Likewise, players on the other side will attempt to obstruct his progress, to force him down, to gain possession of the ball themselves. Occasionally the ball becomes 'loose' and a player may be able to kick it out of play: the next bully is then formed opposite where the ball stops or is stopped — quite unlike what happens in soccer or rugby.
At each end of the wall is a special area known as 'calx'. When play reaches this area, the rules alter slightly (passing back becomes legal, for example) and the attacking side can score. The attackers try to raise the ball off the ground and against the wall, and having done so to touch it with the hand. They then shout "Got it!" and if the umpire is satisfied that all is correct he shouts "Shy!" and awards them a 'shy', worth one point. The attackers can now attempt to throw a 'goal' which would bring them an extra nine points (the goals are a garden door at one end and a tree at the other). Shies are relatively common, perhaps half a dozen a year, but goals are very uncommon — the last on St Andrew's Day was in 1909.
The Eton Wall Game is exceptionally exhausting and is far more skilful than might appear to the uninitiated. The skill consists in the remorseless application of pressure and leverage as one advances inch by painful inch through a seemingly impenetrable mass of opponents. Few sports offer less to the spectator, although St Andrew's Day has become much more spectator-friendly recently.
The College and Oppidan teams practise throughout the Michaelmas Half in preparation for St Andrew's Day, playing against scratch teams composed mainly of Masters, Old Etonians, and other boys. Come the Lent half, the younger Oppidans get a chance to play: D Wall and E Wall play once a week, practising in the early weeks and then participating in a series of matches (the most serious of which is E Wall versus Chamber Wall, the College equivalent team), and about 40 boys in F are introduced to the game.
Click here to download the Rules.


text:
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Graphics Cards (RTG)
GVP (Great Valley Products): Impact Vision 24
|Connection: Video Slot, Zorro II
Picture showing the two main versions of the card. Top is the A3000 verison and bottom is a Rev 8 A4000 Version
Closeup of A3000 version
Closeup of A4000 version
|Graphics Memory
|8bit Support:
|16bit Support:
|No (but supports 12bit)
|24bit Support:
|Display Drivers
|CyberGraphX V2:
|CyberGraphX V3:
|CyberGraphX V4:
|Picasso 96:
The ImpactVision 24 is a full length Zorro II framegrabber with limited "graphics card" support. Although this card is listed as an RTG graphics card, the only support it has in this respect is with the ancient EGS system, so it is not clear how well the IV24 performs as an RTG card. There are two versions of the ImpactVision 24, one which is designed for use with the older ECS/OCS video slots, whilst the newer version (eg Rev 8) which is designed for use with the AGA video slot as found in the A4000 series machines. The card contains 1.5MB of RAM and is capable of capturing at 768x580 in 24bit and supports PiP (Picture in Picture). The card includes a standard 15pin (possibly 9pin?) VGA/SVGA connector which can output video at both 31Khz and 15Khz. The card was usually supplied with IVPiP, IVCP, IVGrab, IVView, IVRead, IVCMD, Scala, Calligari and Macropaint. There are at least 5 revisions of this card. Revision 5 cards using 3.10 ImpactVision ROMs have been reported not to function correctly in an A4000 with Kickstart 3.0. Several other units were designed for use with this card such as the RGB Splitter and Component Transcoder.
Contributions to this page by:
Antoine Dubourg, Severino CM
Letzte Änderung des Artikels: 2009-01-25 20:31
Revision: 1.0
You cannot comment on this entry


text:
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Old accounts should work. If you have problems, please stop by the IRC channel.
git.gnu.io is graciously hosted by the Free Software Foundation. https://donate.fsf.org


text:
Finding the perfect apartment in New York City can be a pretty cutthroat endeavor, and if you have a pet, things get even more complicated. As the New York Times points out, New Yorkers will go to crazy lengths to get not just themselves into the homes of their dreams, but their pets, too.
It is all too common for families to be denied an apartment or asked to move, and families often lose important real estate deals, all because of their pet.
U.S. & World
The Times points to examples of people paying large sums in advance to cover the potential cost of refinishing building damages, hiding details about the weight, number, or breed of their animals, or straight up lying. If a building suddenly adopts a "no pet" policy and an owner's pet dies, the owner might adopt an animal of the same breed and promise it's the same pet.
As buildings are creating stricter and stricter rules for housing animals, we are left wondering what new extremes owners will be expected to rise to.
One couple approached the board president of a co-op who had a no-pet policy. They agreed to pay "$50,000 as a nonrefundable fee to the building and $25,000 in escrow for any damage the dog might cause. The couple also submitted a dossier consisting of a photo, a veterinarian's report and a colorful description of Dakini, describing her as "spiritual" and detailing her meeting with the Dalai Lama. Dakini, it was further revealed, had also appeared in a television pilot.
And, if a pooch like Dakini can't make the cut, who really can?
Copyright LXTVN - LXTV


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There are no products matching the selection.This is a custom CMS block displayed if category is empty.
You can replace it with any custom content.
Buy Sexy Vampire Costumes online today from the stimulating Tempt Me Tease Me range. These great value and very sexy products are not to be missed!


text:
NEW YORK — This week featured more spoilers than a Lost fan site, as out-of-contention teams made a big impact on the MLS playoff field, which is now officially filled with one week to play.
Also-rans killed the chances of the final team hoping for the postseason, and they spoiled golden opportunities for both conference leaders to clinch home-field advantage throughout the playoffs.
The spoiler act wasn't limited to playoff implications either: A landmark streak was squelched out, a record bid denied, and a home finale ruined on a goal by … a goalkeeper.
But before we get to all that:
[inline_node:319844]Let Us Now Praise Brian McBride
The Chicago–DC match had no impact on the playoff picture—both teams were eliminated before kickoff—but it was a home sendoff for a player who's had as much impact on US soccer as just about anyone before or since, Fire striker Brian McBride.
The game was also hit by this week's spoiler effect: A debatable offside flag, some superb goalkeeping by Troy Perkins and a few missed chances combined to deny McBride a storybook sendoff—or at least a finale with some goals in it.
As it happened, the US, Fulham and MLS legend left near the end of a 0-0 draw—to a well-deserved standing ovation from the home crowd.
Playoff Picture: All Set, and Totally Unsettled
Kansas City's flickering playoff hopes were officially extinguished in a 1-0 loss to New England at Gillette Stadium on Saturday. That put Colorado in the postseason and finalized the field of eight.
A pair of surprising results produced the only change in the playoff positioning: San Jose lost at home to last-place Houston, while Colorado won on the road at first-place Los Angeles.
That combination flopped the teams in the playoff standings; the Rapids now sit seventh while San Jose fell to eighth, though they have a game in hand.
The as-of-today postseason matchups remain much the same as they were last week:
Los Angeles vs. Seattle
Real Salt Lake vs. FC Dallas
New York vs. San Jose
Columbus vs. Colorado
But after a weekend of table-tightening results—Real Salt Lake, Seattle and Columbus all narrowed gaps on the teams above them—every one of those pairings is subject to change pending Week 30 games.
Stay tuned for what's sure to be a wild final week.
(Speaking of wild, Columbus closed to within a point of New York atop the East after tying Toronto 2-2 on goalkeeper Will Hesmer's dramatic stoppage-time equalizer. Afterward, the stunned BMO fans looked like they were channeling Luke Wilson from the rumble scene in Anchorman: "I did not see that coming!")
Getting Real in Salt Lake
The Postgame has a soccer-snob buddy who, upon hearing about the founding of Real Salt Lake back in 2005, said, "they should be called get Real Salt Lake." Oof.
Well, even he—an England fan, so he's been duly humbled in the interim—will have to admit that Real Salt Lake, just a few years on, are the real deal.
They have one MLS title under their belt, and this year they've produced one of the more impressive seasons in league history, no matter how it ends.
They've qualified for the quarterfinals of the CONCACAF Champions League, and after Saturday's 2-0 win over Dallas, they've gone unbeaten at home for the season, and for 25 consecutive games over two seasons. They're currently one point shy of the Supporters' Shield with one game to play,
RSL's victory also ended Dallas's record 19-game overall unbeaten streak, and just for good measure, Salt Lake keeper Nick Rimando made a reflex save to deny Jeff Cunningham's latest attempt to surpass Jaime Moreno as all-time MLS goal king.
Yes, RSL are for real, and they're a real threat to become the third repeat champions in MLS history, after DC (1996, '97) and Houston (2006, '07)
Real Salt Lake 2, Dallas 0
Philadelphia Story
The Red Bulls entered Saturday's game at PPL Park knowing that a win would clinch the Eastern Conference title—and home-field advantage for the playoffs.
Despite the opportunity knocking, New York came out flat and gave up two early goals before falling 2-1.
That's one way of looking at it. Another way is that Philadelphia, who had dedicated the game to their raucous fans, came out full of energy and simply took it to New York in the early stages.
Union boss Peter Nowak may not be a Coach of the Year candidate, but he's done an excellent job with his young side.
[inline_node:315984]Philadelphia are the third-best expansion team in MLS history, after the 1998 Chicago team that won it all, and last year's Sounders FC side that made the playoffs.
Nowak's team isn't going anywhere this season, but he committed the Union to an attractive, attacking style from the get-go, coaxed an MVP-worthy season out of Sebastien Le Toux and groomed a Rookie of the Year candidate in 19-year-old Danny Mwanga.
To borrow a phrase from baseball—a strong suit in Philly just now—wait 'til next year.
The Casey-Cummings Show Rolls On
It's hard to pin down the most impressive aspect of Colorado's 3-1 win at LA.
There was the fact that the Galaxy had so much to play for: A win would have wrapped up the Supporters' Shield for them.
There was Omar Cummings' driven cross for Conor Casey to turn in for his 12th goal of the season, and Casey's perfectly weighted ball for Cummings to power into the far side netting for his 13th goal of the year (the duo has 60 percent of Colorado's goals in 2010).
There was also this: Colorado weathered an early goal (Edson Buddle's league-leading 17th) and rallied to win, marking the first time since May 6, 2006—a 68-game stretch—that the Rapids had given up the first goal of a game and come back to win.
Yep, we're going with that as the most impressive element of Colorado's win: It practically marks a new era for the franchise.


text:
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Don't let your potential customers click away...contact KCSR for pricing packages!
Call: 308-432-5545 or e-mail Kathi Brown at email@example.com.


text:
UPDATE: Well that didn't take long--theater owners have already expressed their outrage at Sony's plan to no long cover the cost of 3D glasses:
"To the extent that Sony seeks to change the current model in a manner that shifts the costs to exhibitors, we would be forced to evaluate this new economic model and program our screens accordingly. This could result in fewer screens exhibiting 3D films," said Regal Theaters CEO Amy Miles.
Nothing sets the stage for poor decision making like a technological revolution. Just looking back at 15 or so years of Internet history, we've see billions flushed down the drain via ill-conceived business models brought to us by film and television studios. And while the idiocy of cyberspace is far from over, it's now in the realm of 3D that the latest "idea" is about to bump up against the cold reality Econ 101.
U.S. & World
Sony Pictures Entertainment has sent a letter to theater owners warning them that as of May 1, 2012, the studio will no longer be footing the bill--sometimes as much as $5 to $10 million per film--for the cost of 3D glasses, according to The Hollywood Reporter. Sony's deadline falls, not surprisingly, just weeks before they unveil their next two 3D tent-poles, "Men in Black III" and "The Amazing Spider-Man."
"This is an issue that has to be resolved between us and our exhibition partners. We are trying to give them a very lengthy lead time in regards to the change in policy," said SPE president of distribution Rory Bruer.
Like a drug dealer trolling for junkies, studios originally told theater owners they would cover the cost of 3D glasses, figuring everyone would get hooked and come back begging for more. But a funny thing happened since "Avatar" made $2 billion--the 3D movie market went in the tank. It's impossible to tell if the fall in profits is a result of the quality of the films, the no-longer newness of the technology or what. But now that film goers have started to turn their backs on 3D, when unemployment is at 9%, when the economy is in the toilet, Sony now wants theater owners to incur the cost? And while theater owners will no doubt put up a fight, who do you think they'll turn to cover their expenses?
When people were complaining bitterly about the extra money they were originally asked to shell out for 3D, we defended the studios. They were offering a whole new experience that required new technology and equipment, and those things don't come cheap. But two years after slapping a premium on the 3D, to come back and ask for even more is bad business--it's why New Yorkers hate the MTA so much.
People have already shown a willingness to forgo the surcharge and watch movies in 2D, and now Sony wants to incentivize you further to opt for 2D? Wouldn't it be cheaper and more profitable to just drop 3D? We're not advocating the death of 3D--it'd be like advocating the death of sound or color--but traditionally the price for new technology is supposed to go down, isn't it? Remember when VCRs cost like $800?


text:
EDIT2: This issue seems to have been fixed in 11.04, when installing it now has an option called 'install Ubuntu alongside X' where X is your other operating system. This was very helpful for newbies like me who don't want to play with hard drive partitions.
I would like to install Ubuntu on my laptop as my primary operating system while keeping Windows. When I get to the screen that says "Allocate Disk Space," I click specify partitions manually because I don't want to erase Windows.
Problem is, I don't know how to specify partitions manually. It's all one huge green bar called sda1 (ntfs). What do I do next?
If I press install now, it says no root files system is defined. I tried the "shrink volume" function in Windows, but it complained telling me to run chkdsk, so I right clicked the c drive and nagivated to the chkdsk utility, told it to run on the next startup, which it didn't.
I am running Windows 7.
EDIT: I figured it out, see answer below


text:
Fox Filmed Entertainment Co-Chairman and CEO Tom Rothman went on Jim Rome this morning and since Rome is a big fan of the Die Hard franchise, Rothman answered some questions about the upcoming sequel. Rothman told Rome [via /Film] that the official title is A Good Day to Die Hard, because I guess John McClane (Bruce Willis) is now a Klingon. Shooting is set to begin in January 2012 for a February 14, 2013 release (President's Day weekend, but it may also be a nice date flick). The story will have McClane traveling to Russia to save his son John McClane, Jr., "but nothing is what it seems." (Russia's been dead the whole time!) They're still casting for John McClane Jr. and they're not sure if the film will be PG-13 or R.
Hit the jump for more details on the sequel.
As we previously reported, bland director John Moore (Max Payne) was chosen by Willis to direct, and Mary Elizabeth Winstead says she doesn't expect to return to play McClane's daughter (one imperiled child at a time!). Skip Woods (Hitman) wrote the screenplay, and Willis says the story will go "worldwide," because the series needs to expand in scope.
I would disagree with that sentiment. One of the defining traits of McClane is his resourcefulness. Give him the whole world and the claustrophobia and desperation of his plight is lost. His other defining attributes are his wise-cracks, foul-mouth (which was lost in Live Free or Die Hard) and the beating he can take (hence the title). All that seems to be left is the beating and the wise-cracks which turns him into a generic action hero with a well-known name. Basically, there's really no point to a Die Hard 5 but we're getting one anyway.


text: NEED began with the desire to create clothes for our friends. At home and across the world, our friends are the people who motivate us to do what we do. As designers, photographers, authors, and creators, they inspire us with their passion and work – and support us in ours. As a thanks, we designed NEED to fit into their lives by creating garments that are refined, hard-working and stylish. Just like them.


text:
As an industry leader we follow one vision: quality.
Since 1984 we have been improving our glass and windows' optical quality, strength and durability. Our brands—Tecnoglass, ESWindows and Alutions—are fully integrated in a 2.6 million-square-foot facility, allowing us to offer single-source responsibility on all of our products. Today we employ over 4,000 people, we sell to 27 countries and we offer the latest technology on glass, aluminum frames and window systems.
Tecnoglass is the destination for customers who want high-quality glass that meets custom needs, is offered at competitive prices and comes with timely delivery. Our record-breaking technology has made us a one-stop-shop for all glass needs, including tempered, laminated and insulating glass, as well as glass with screen printing, impact-resistant glazing and curved glass.
We want to help make your vision a reality. That's why we combine our selection of pioneering architectural glazing with one-on-one guidance from our industry and project experts. We strive to fulfill our customers' quality and service expectations while maintaining our competitiveness through empowerment … and this is what makes us unique.
It is not only about the glass, but also about what it can transform into.
Meeting the Demand for Better Quality


text:
The comments were made by the then chief executive Anders Eldrup in an interview late last week with Bloomberg. Eldrup said the investment in offshore was to cover a decline in coal and gas fuelled power plants.
Although Eldrup resigned yesterday, Dong said its investment plans remained in place and it is currently recruiting a replacement CEO. CFO Carsten Krogsgaard Thomsen has taken on the acting CEO position.
Eldrup said the offshore investment would continue for the next "two or three years". It will partly fund this expansion by selling shares in existing projects.
Such a move, confirms a similar view expressed by Eldrup in an interview with Windpower Monthly last year.
Discussing the sale of a 50% share in the 400MW Anholt project to two pension funds, Eldrup said it was part of the company's strategy to sell off parts of its developments in order to secure more funding for new projects.
Eldrup said: "We would rather have two wind farms where we own 50% rather than one where we own 100%." He added Dong would not go beyond the 50% point in order to "keep control of the park".


text:
BBC News
- Schools 'must come before pubs and restaurants in future'
- Coronavirus: Ethnic minorities 'over-exposed' to Covid-19
- Bosses' pandemic pay cuts 'superficial' says report
- John Hume: SDLP tribute as body returns to Derry
- Don't demolish old buildings, urge architects
- TV watching and online streaming surge during lockdown
- Redundancy advice calls triple as furlough scheme winds down
- Charities and unions call for Tory MP suspension after rape allegation
- Early-years workers quit 'underpaid and undervalued' jobs
- Championship play-off final: Brentford 1-2 Fulham (AET)
- NHS: MPs pilot system to measure delivery of key pledges
- Sheffield marriage proposal causes flat fire
- Weekly virus deaths in Wales fall to March levels
- Virtual house hunting gets a pandemic boost
- Coronavirus: Evening update
- Coronavirus: Journey from doctor to patient
- How grades were worked out in Scotland's no-exams year
- Coronavirus: Eight ways life in the UK has changed
- Coronavirus in Scotland: Sturgeon 'would consider' closing pubs again
- Coronavirus weddings: 'It's heartbreaking to see my fiancee's face'
- Coronavirus: Can the pandemic make us rethink our courts?
- Coronavirus: What happens if I'm in an area on the watchlist?
- Seven reasons not to give up on poetry
- Twitter: Athlete Jimmy Watkins' running music reviews a hit
- How abusive dance teacher went unchecked for decades
- Why does Rocket Ronnie think he is a bit like William?
- 'Eat out to help out will definitely affect the weekend'
- Harrogate Town promotion a 'superb lift' after lockdown
- British Vogue September issue: Edward Enninful showcases activists of 'hope'
- 'Why I run with a car tyre on my back'
- Pregnancy and coronavirus: How has giving birth changed during the pandemic?
- James Lovelock: Gaia theory creator on coronavirus and turning 101
- 'Don't we owe these children a duty of care?'
- 'How I found out Pablo Escobar was my father'
- The Papers: Kate's 'majestic' mask and Beirut left in 'agony'
- Jesus Army abuse 'covered-up by church leaders', report claims
- Heavy rain causes landslip at Rest and Be Thankful
- Coronavirus: £800m to prepare Welsh NHS for second wave
- Coronavirus: Are people in Manchester respecting the new restrictions?
Our traditional ANY-Village websites can still be found at their original location:
Below we are listing some of the most popular UK property websites advertising homes for sale in the Whittonditch area:
Nestoria (WHITTONDITCH Map Search)
Vebra.com (WHITTONDITCH Map Search)
Rightmove (WHITTONDITCH Map Search)
Zoopla (Whittonditch Map Search)
Homes for SALE / Flats for SALE in WHITTONDITCH
Homes for RENT / Flats for RENT in WHITTONDITCH


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December 24, 2013
Christmas is a joyous time for many, but after the holidays come putting away decorations — and finding room for all those new gadgets and other items people receive for Christmas. Sometimes putting away those decorations and new items can be done with a bit more organization.
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5 questions: Christmas clutter
With Christmas gifts can come post-holiday clutter. Organizedhome.com offers some tips for yuletide organization.
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Judds Folley Hotel – Wedding DJ and Mobile Discos from JMF Disco
Looking for a top Wedding DJ or Mobile disco for your wedding or celebration party at the Judds Folley Hotel?
JMF Disco can provide an experienced Wedding DJ and Mobile Disco for the Judds Folley Hotel to help with your special day or celebration.
To compliment the great service offered by Judds Folley Hotel, JMF Disco will provide the perfect solution for your party or wedding reception entertainment, with a reliable, experienced, professional mobile disco service, providing all the help you need with planning the 'formalities' and providing you and your guests with a great party which will be the perfect ending to your special day at the Judds Folley Hotel.
My aim is to provide you with all the help you need, from your initial phone call to seeing your happy guests leaving after a wonderful nights entertainment, at your perfect celebration provided by your Wedding DJ at the Judds Folley Hotel.
JMF Disco's mobile disco service will provide you with the entertainment you want for your dream wedding reception or party at the Judds Folley Hotel – why settle for anything less?
Call or email JMF Disco for your mobile disco requirements at the Judds Folley Hotel and find out how I can help you host the best party ever!
Have a look at the Weddings page for more details of the Wedding DJ service at the Judds Folley Hotel I offer, or our Celebrations page for other parties, and call me to discuss how I can help make your evening very special.
I like to provide my clients with that little bit more – I provide them with what they want, need and deserve for their reception – it is a special occasion and should be treated as such. Doing it right requires a Wedding DJ or Mobile DJ with the right skills and resources that I will bring to your celebration at the Judds Folley Hotel.
It's the personal attention to detail and planning that will bring your dream wedding reception or party to life. JMF Disco will provide you with all the help you need to organise your special day, including providing you with a custom Wedding Reception or Party Planner to help organise your special day and the music you want to hear to help make your evening unforgettable at the Judds Folley Hotel.
Contact John on Tel 01795 429777, Mobile 07895 546183 or by email to discuss your Wedding DJ or Mobile Disco at the Judds Folley Hotel needs or questions.
Click on the image below to find out how JMF Disco can help you dazzle your friends and family with a great Mobile Disco at Judds Folley Hotel.
Additional information about Mobile Disc Jockeys can be found here
For other areas and great venues we serve in the Faversham area – Click Here


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David BERRY
Founder - Seres Therapeutics
David Berry joined Flagship in 2005 where he focuses on innovating, entrepreneuring, and investing in new ventures in life sciences and sustainability. He is a founder of Flagship portfolio companies Seres Therapeutics (NASDAQ: MCRB), Pronutria Biosciences, Joule Unlimited, Eleven Biotherapeutics (NASDAQ: EBIO), LS9 (acquired by Renewable Energy Group), Evelo, and and Indigo. David has served as founding CEO of Joule, Pronutria and Seres. He currently serves on the boards of Eleven, Pronutria and Avedro. He was previously a Board member of CGI Pharmaceuticals (acquired by Gilead), Joule, Seres and Symbiota.
Prior to Flagship, David received an MD from Harvard Medical School and a PhD from the MIT Biological Engineering Division, working in the laboratories of Professors Ram Sasisekharan and Bob Langer, completing the dual degree in just over 5 years.
David currently serves on the Leadership Council of the United Nations Sustainable Development Solutions Network. He is currently on the Boards of the Hackley School and the Juventas New Music Ensemble, and has served on the MIT Corporation, its Board of Trustees as well as the Boston Philharmonic Orchestra.
David was elected a 2014 Young Global Leader by the World Economic Forum. Previously, David was named the Innovator of the Year by Technology Review, and received the prestigious Lemelson-MIT Student Prize for invention and innovation. He was also selected by the US State Department as 1 of 12 Innovators Helping to Reshape Reality.


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✔65 beautiful bedroom color schemes ideas 38
Top Choices of Bedroom Color Schemes Ideas If you've been putting off getting your bedroom painted for a while now, it is the right time to do a rethink. The bedroom is where you devote a whole lot of your time and a space in which you relax. It is a wonderful place to introduce a color scheme that fits the mood you want to feel most while you're there. It is your private sanctuary. It is the most intimate space in the home, so it is only fair that you should be able to show off your flair and individuality away from the prying eyes of guests and family. Many techniques to have a lovely bedroom and one of them is to pick the appropriate color scheme. What Bedroom Color Schemes Ideas Is – and What it Is Not In search of special concepts is among the fun actions. however, it can also be exhausted whenever we can not have the wished idea. You will discover great ideas that may become your reference. Browse bedroom decorating suggestions and layouts discover design inspiration from an assortment of bedrooms including color decor theme choices. When it has to do with interior… Continue Reading Read More


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Easy Body Jewelry Measuring App!
Measure your body jewelry on your device screen or view actual sizes for help choosing jewelry that fits YOU!
Use Section 1 to Measure Gauge
Use Section 2 to Measure Bar Lengths or Diameter of Hoops
Use Section 3 to Measure Ball or Top Sizes
Follow instructions to set up your screen once and actual sizes will be shown! Easy and convenient app to find out what size earrings, hoops, studs or barbells you really have! Avoid costly returns.
Measure Body Jewelry Gauge On Screen!
Measure Body Jewelry Ball / Stone Diameter On Screen!
Printable Body Jewelry Gauge Measuring Chart
|We often get asked the question "What size or gauge Body Jewelry Size Should I Order?". It is very difficult for us to tell what piercing sizes you need for your particular body piercing. There is no "standard" gauge size that all Piercing Professionals use. We can tell you the most common gauge sizes used for a particular piercing, but that will not necessarily be the piercing size that you have. The only way to accurately determine the size you need is to contact the piercer and ask what gauge, length or diameter you were pierced with or measure the jewelry you are wearing and use that as a guideline for new body jewelry purchases.
We provide a free Body Jewelry Gauge Chart that you can print and use to measure your body jewelry. This will help you determine what body jewelry gauge size you need, as well as the length or diameter. This body jewelry measuring chart must be printed to be accurate. Do not measure jewelry on the computer screen. The measurements will not be accurate!
This chart also includes instructions on how to accurately measure your body jewelry. If you cannot print the gauge chart, you can view it on your computer screen and follow the measuring instructions using a ruler or measuring tape. Or you can go to a local Piercing Professional and have them measure the body jewelry for you.


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Visit http://www.concordialanguagevillages.org/adult-programs/educator-programs/workshops-consulting/qatar for more information.
Through a generous grant from the Qatar Foundation International, Concordia Language Villages is able to offer two Qatar Professional Development Workshops for current and future teachers of Arabic at our brand new Russian Language Village facilities in Bemidji, Minn. This project will bring together K-12 Arabic language teachers from across the United States in two exciting opportunities to participate in professional development programs this year. The 2015 - 2016 workshop themes will be Curriculum and Assessment. Preference will be given to K-12 Arabic teachers from the Midwest, but all Arabic teachers are welcome to apply.
In addition to new and returning participants, this year's workshop is structured to include those who have already attended multiple QFI-CLV workshops in the past to enroll as teacher-leader participants.


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Welcome to the website of the
Big Bang Philosophy
This website is made to exchange ideas about the philosophy of the Big Bang
Click here!
1st hypothesis:
1st observation:
Since the universe is finite, the first question that occurs to the mind is this: What is there beyond? Indeed, the finite universe cannot be explained by itself, it needs an external cause. Let us wonder what stops at the limits of the universe. The Big Bang theory teaches us that space is a component of the universe and that it this which has been expanding during 12.000.000.000 years. Outside the universe there is no space, therefore there are no dimensions.
2nd observation:
Our brain needs dimensions in order to reason and calculate. This signifies that the external world is totally outside our investigations. We are intellectually and physically prisoners of the universe and this situation will last as long as the universe will last. We cannot even say that there is nothing outside the universe, because on the one hand the universe needs an external cause and on the other hand the notion of emptiness, as opposed to fullness, applies only inside the universe.
2nd hypothesis:
If the external world is not thinkable, it is nevertheless possible to approach it indirectly. We know that it is at the origin of the universe, that the universe came out of it, and that this renders it important for us. But there is more. The universe being finite in time, it will go back to the external world. We do not know when, but we are certain that it will do so. The universe is also entirely surrounded by the external world at the limits of its large dimensions as well as at each point of space at the limits of its small dimensions. The external world is therefore every where in us, in every thing. The basis of the universe is in the external world. The universe is the superstructure of a whole of which we cannot know the infrastructure. The exterior of the universe, being non-measurable, can be described as infinite. When we consider this and add that the answer to the why and wherefore of the existence of the universe is to be found in the external world, we cannot but think that the external world is the real world and that the universe is the world of illusions.
3rd hypothesis:
While we are all separated by space and time in the universe, we were one in the real world. Our condition was therefore better.
3rd observation:
There is in human beings a desire to find the real world again. This desire is expressed by a moral conduct which consists in considering others as ourselves, and treating them therefore as ourselves, since we were ONE before. This moral attitude can nevertheless not change the structures of the universe.
4th observation:
The Big Bang theory shows us the extreme elasticity of the universe, which reached its present dimensions starting from practically nothing. The universe is therefore malleable.
4th hypothesis:
It seems that life appeared and developed until now in order to give the universe the possibility to understand itself and to change itself. Humanity is on the march, since all time and without knowing it itself, toward the limits of the universe. The physicists who discover new particles and our ancestors who discovered fire are on the same path. When humanity will have reached the limits of the universe, it will be able to use the very forces of the universe and its malleability in order to go back to the real world. We understand for the first time that this fantastic adventure gives meaning to life. History is a relay race in which each generation goes as far as it can before passing the stick to the following generation, until the time when our far-off descendants will be in a position to carry out our destiny.
Jean-Pierre Burri
Geneva, Switzerland.
Important:The moral consequences of the Big Bang philosophy.
Answers to questions asked by English speaking persons.
(Last updating: 16 August 2001)
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This overview paper highlights the successes of the Ozone Monitoring Instrument (OMI) on board the Aura satellite spanning a period of nearly 14 years. Data from OMI has been used in a wide range of applications and research resulting in many new findings. Due to its unprecedented spatial resolution, in combination with daily global coverage,...review 2018


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'Pillowcase Rapist' released with strict limits
63-year-old acknowledged to raping, assaulting 40 women
He can't be alone outside after dark, needs permission to walk through his neighborhood or go to a bowling alley, and must allow random searches and polygraph tests. For the first time in roughly two decades, serial rapist Christopher Hubbart is free, so to speak, but that freedom comes with strict limitations.
Nicknamed the "Pillowcase Rapist" because he used a pillowcase to muffle his victims' screams, Hubbart moved into his new home outside Palmdale earlier this week despite protests from people in the community about 70 miles northeast of downtown Los Angeles.
The 63-year-old has acknowledged raping or assaulting 40 women between 1971 and 1983.
Guards stand watch around the clock to protect the public from him and him from those who have fought against his release for months. Protesters have camped outside the tiny home on a dusty plot this week as sheriff's deputies patrolled outside every few hours.
Hubbart is one of a dozen people deemed sexually violent predators who are being monitored by the state-contracted Liberty Healthcare Corp. His public defender, Jeffrey Dunn, declined to comment.
Hubbart's 16-page conditional release terms, at least initially, are a lot like house arrest.
"He's not going anywhere on his own, and in fact he's not even allowed to drive a car or take the bus, and probably won't be at least for another year," said Santa Clara County prosecutor Vonda Tracey. "If he's going to the grocery store, somebody's going with him. Somebody is driving him to his appointments. When he's not got some place he needs to be, he's at home, and he's not allowed to leave the property."
Hubbart must wear a GPS anklet and continue treatment, and he needs permission to work, use the Internet, or visit the park, beach or pool.
When his prison term ended in 1996, Hubbart was put in a mental hospital under California's civil commitment law. To be constitutionally correct, ex-cons must be able to progress and ultimately graduate from treatment - after all, they've already served their time. A court will hold annual hearings to decide whether to continue Hubbart's supervision, return him to the hospital or eventually release him unconditionally.
Supporters of the state's Sexually Violent Predator program say it allows authorities to keep dangerous people who'd otherwise be freed as parolees locked up longer and under more stringent supervision.
"For somebody who's on probation or parole, you've got one agent for dozens of people," Tracey said. "For sexually violent predators, you have a whole team of people, and their sole job is to keep Christopher Hubbart out of trouble."
But there's palpable fear in the community. Sharon Duvernay, 62, is one of Hubbart's closest neighbors. She was also raped as a child.
"It's absolutely horrifying," Duvernay said. "The restrictions will never be good enough for me. He needs to be in a place where he's watched 24 hours by more than two guards."
Duvernay was camped outside Hubbart's home again Friday with other Ladies of Lake LA, a community group created to fight his release to their desert community.
"We're so isolated, and that's why we love it out here it's really peaceful," Duvernay said. But she said phone use is spotty, patrols infrequent and "we're terrified he'll do this again."


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Q&A With President, Human Rights Advocate Mary Robinson
Mary Robinson told students at Augustana on Wednesday that she was inspired to advocate for human rights long before she joined the United Nations.
"As a child, I was the only daughter in my family ... wedged in between four brothers. Of course I was interested in human rights and equality," she said, laughing.
Before she addressed a crowd of 2,100 at the Elmen Center for the 2011 Boe Forum on Public Affairs, Robinson spoke with students and Augustana officials about her role as the first female president of Ireland and her efforts to address world hunger and poverty.
Q. As you know, Augustana has chosen "World Hunger and Poverty" as its International Theme for the 2011-12 academic year. In an interview with South Dakota Public Broadcasting earlier this week, you said you were looking forward to visiting Augustana because that theme aligns so closely with an issue that's near and dear to your heart.
In that same interview, you also spoke about the importance of holding both the private sector and states accountable for securing and supporting human rights. You said your efforts as United Nations High Commissioner for Human Rights and your work with Climate Justice have helped set the framework and guidelines for corporations and states to follow, but you also mentioned the need for young people – tomorrow's leaders – to, in a sense, serve as watchdogs for the public – to implement those guidelines and rules of accountability in order to preserve the human rights of all.
For Augustana students, your stance most certainly hits close to home. Earlier this year, more than 80 students, faculty and alumni witnessed the revolution in Egypt firsthand while in Cairo over the January term. As you know, the Egyptian revolution was led primarily by young people, angry at a lack of freedoms and long-standing economic hardships, who took to the streets in a series of unprecedented anti-government protests. They used social media, such as Facebook and Twitter, and text messaging to organize protests, stage labor strikes and rally citizens.
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Dr. Peg Preston (history); Dr. Patrick Hicks (English); and Dr. Bill Swart (sociology) have studied Ireland extensively, including its history, culture and political structure. They spoke with the Argus Leader about why Robinson is such an influential world leader and how her work changed Ireland.
In 2009 when President Obama awarded you the Medal of Freedom in recognition of your work, he called you "an advocate for the hungry and the hunted; the forgotten and ignored." How can our students use emerging technologies to advocate, drive change, eliminate borders and promote inclusion in order to make tomorrow's world even better than today's?
A. There's a huge potential for greater participation and, in my view, participation is one of the most important dimensions of democracy. It makes the citizen a player … a hundred-thousand messages can be sent within a couple of hours. [In Egypt] you had Tahir Square where the use of social media helped people come and feel safe because of the numbers.
I think we're seeing, embryonically, in the discussions of Occupy Wall Street, what's happening on Dame Street in Dublin, what's happening in London … the right kind of questions are going to lead to formal answers. The point is there's a critique beginning that's asking 'why could we have had such a financial crisis that accentuated the inequalities, where a few people have such power and there is no longer a sense of a social contract?' The earlier citizenship that was developed in this country and in European countries and in Japan was based on a kind of social contract. Somehow, that trust has been broken. There is a real sense of wanting to find a new model, or models. And, whatever model it is, it's going to involve much more participation and holding to account and monitoring the behavior of governments. The really good news is that this is going to happen globally. It will take time, in some cases. I'm returning to Dublin tomorrow night to attend the inauguration of the ninth president of Ireland, then I'm flying to Tunisia to take part in a meeting of the Mo Ibrahim Foundation. We are deliberately holding our meeting in Tunisia to celebrate the fact that it was the first country that has moved and has had good elections and 25 percent of the parliament will be women, which is very significant.
The Mo Ibrahim Foundation has an index measuring governance in all 54 countries of Africa. It's a very sophisticated index of economic performance, performance of human rights, attacking poverty, gender, health and education. The statistics are drawn from the World Bank and the United Nations, generally, but also African-generated data. There's a very good link of academics.
What's happening is that we've had about 10 years of covering most countries in this index. You can actually see the countries that are going up and the countries that are going down in their performance. This may sound obvious but, actually, we haven't measured governance properly. I believe that in the coming years, every country will be measured in the way that the Mo Ibrahim Index is measuring African countries. Civil society is going to use these tools to say 'why do people have so much more access to education there than we have in our country; why is the healthcare system delivering in Rwanda, but not delivering here?' It really is beginning to happen now, it's a different conversation. Social media lends itself to this.
Q. Before being elected the first female President of Ireland (1990-1997), during which, by many accounts, you changed the role from what was once considered "a sort of retirement post for politicians" to one that advocated a more open and pluralist society, working to guarantee civil rights to all of its citizens regardless of gender, sexual orientation, religious background or economic makeup, you spent 20 years as a senator. Prior to that, you practiced law and served as Reid Professor of Law at Trinity College.
You also have a husband and three children.
Tonight, you'll be speaking in a state that has the highest percentage of working mothers in the nation. Among those in the audience will be female students who will look to you as an example of how to manage and balance having a career and raising a family and, working mothers who work at perfecting that balancing act every day.
What advice do you have for women who will someday, or already do, face the challenge of balancing a career and raising a family?
A. I think it's an important question and I honestly don't think there's a one-size-fits-all answer. I think we all work it out.
For me, it was extraordinarily important when I was working, that I conveyed strongly to my children that they were more important than what I was doing as a senator or professor. I repeated that message to all three of them during the presidential campaign and after the election, particularly to our youngest who was just nine at the time. No matter what happens – I may be president of the country – but you are the most important as far as I'm concerned. I meant it.
The work-life balance is important and I think we need a critical mass of women to make sure that in our public and private systems and institutions there is a fair balance for women who have to oftentimes carry out the nurturing and child care.
I do think it's equaling out a lot. Modern fathers play a different role. Even so, at the end of the day, I think there's a greater call on the mother, especially when children are sick.
When I served on the Dublin City Council, our meetings were at 4 p.m. There was a tendency to solve every problem by creating another committee. All those committees were during the time when I wanted to be home with my children. Eventually I retired early from the City Council because it was interfering with my family life.
Q. Last spring, Monique Schmidt, a 1998 Augustana alumna, returned to campus to talk about her experiences as program director for the Akilah Institute for Women in Kigali, Rwanda. She talked about the amazing hope and eternal optimism of the young women at the school, despite the horrors they had endured during the 1994 Rwandan genocide. As president, you traveled to Rwanda in 1997 and witnessed the aftermath of the country's civil war and genocidal campaign. Can you talk about what you saw? How did that visit, and your visits to famine-plagued Somalia and other distressed areas of Africa, shape your efforts to support and advance human rights? And did these visits give birth to the idea connecting climate change and human rights, which you now fight for through Climate Justice?
I made three visits to Rwanda while I was president of Ireland. The first one and the most awful was in 1994 just after the genocidal killing. I can still remember the smell of blood; can still see the images of blood-splattered rooms in churches and piles of clothing on the floors with children's shoes. Stumps of trees outside splattered with blood from the use of machetes.
I went back in 1995 because I was going to be speaking on behalf of the 50th anniversary of the UN. I wanted to bring the reality of how poorly Rwanda was coping into the spotlight.
The third time I went in 1997, I attended a Pan-African Women's Conference in Rwanda that was quite remarkable. They had women from throughout Africa – vice presidents, ministers, academics, community leaders – these women had a huge impact on development in Rwanda.
So, pop quiz … what country has the highest number of women in parliament in the world today? It's not Norway. It's not Sweden. It's Rwanda. It's got about 54 percent women in Parliament. That's helped it to have a better healthcare system and a better education system than many other African countries.
I went to Somalia in October 1992. It was shocking to see women and severely malnourished children, near death. I spoke to warlords to try to stop the fighting. Mainly though, I tried to be supportive. I went back in July (2011) and, this time, everything was worse. First of all, it was October when I went in 1992, which is the end of the dry season. This time, it was mid-July. While we were there, the UN declared that famine was present in two regions of the country, and they only say that when they're sure that a certain percentage of children have died. I was told that probably about 28,000 children had died of hunger at that point. Many more have died since.
The horn of Africa has had the eight hottest years in succession ever. Climate change is a factor; it's not the only factor, but it's a very serious one.
In speaking with the women there, one of the easiest ways to start a conversation is to say, 'how many children do you have?' Not a single woman told me less than six. Most were seven, eight or nine. They were having seven, eight or nine children in the hope that one or two might survive.