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E-commerce has completely changed the business landscape, with online sellers indexing their products online and not in physical stores. Shopify is ideal for stores that sell products or services that require minimal setup. You can sell a single product or multiple products by implementing an advanced Shopify home page, depending on your company's needs. Ultimately, this increases your return on investment and your company's income.
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At Best1tech, our mission is to help your company sell more online. We created a name for ourselves as one of the most renowned and trusted Shopify development companies. We offer a wide variety of Shopify end-to-end services that help companies create substantial and compelling e-commerce stores, improving results.
Experience higher growth with Shopify. Reach us now.
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Going through the toughest phase due to COVID-19 can we now expect the some positive and cherishing moments, as the holiday is all set to...
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On a Sunday evening in May of 1981, Joan Carson jumped out of an airplane over Marion for the last time. According to witnesses, when her main parachute failed to open, Carson – an experienced skydiver – properly cut away from it and pulled the ripcord on her reserve. But that chute failed to inflate fully, and Carson struck the ground in a clearing near the drop zone, dying on impact. She was 30.
The young woman's death profoundly affected the tightly knit skydiving community at Lost Prairie. Today the airfield is named after Carson, who was among the handful of initial investors to buy the land near Marion that would eventually develop into one of the top drop zones for skydivers in the country.
Thirty years later, at the annual Lost Prairie Boogie later this month, a Seattle-based independent filmmaker will premiere his new documentary on Carson and the early years of the Northwest Montana skydiving scene. Paul Gorman's second feature film, "Beagle Boogie Babe," reconstructs Carson's life, and explores her passion for skydiving.
The film's initial screening will be at the McGregor Lake Resort July 29, with only the cast, crew, family and friends invited. The wider screening is scheduled for Sunday, July 31 at 11 a.m. at Meadow Peak Skydiving in Lost Prairie and will be open to anyone attending the Boogie.
"I wanted to really find out what drove her to be a skydiver," Gorman said during a phone interview last week. "The story takes off in Montana and retraces her footsteps over the places she lived and where she skydived."
Gorman's relationship with Carson traces back to high school, where they knew each other, and an unusual dream he experienced later, during the early 1970s, while visiting her in San Francisco. Gorman was managing a band in Seattle and while researching venues in San Francisco, ended up staying with Gorman.
"She had just recently gotten into skydiving," Gorman said. "She invited me to go skydiving with her and I politely refused, because I was a chicken, basically."
Carson left to go skydive, and didn't return that night. Gorman, meanwhile, had a vivid dream that she had died while skydiving. When she returned home the following morning, he recalled, he told her of the dream and she dismissed it, saying she had no intention of quitting skydiving.
Over the next several years, Gorman would run into Carson from time to time at parties. Once, she had two broken wrists from a skydiving accident. Another time, she had a broken leg. Then, in 1980, he learned of her death in a skydiving accident, and Gorman said he was shaken, "to see this dream that I had kind of manifest itself."
"I think it just kind of nagged at me as to what this dream meant – as to whether it was a premonition," he added. "It was the inspiration for the film."
Gorman shot his footage in Marion last summer, interviewing many of founding members of Lost Prairie, most of whom still live and jump there. Because Carson was such a part of it, the film explores those early years of skydiving in Kalispell, when the group referred to itself as the Ospreys and had a rivalry with the Beagle Boogie Boys, who jumped in Medford, Ore.
The Ospreys jumped at the Kalispell airport until the late 1970s, when they outgrew it. And from the interview excerpts in the previews of Gorman's film, it was clearly a rowdy time.
"They definitely knew how to party," Gorman said. "A lot of the partying kind of led up to being pressured by the city to move out of the city airport."
Fred Sand, the owner of Skydive Lost Prairie was among those interviewed, and said he enjoyed reminiscing about Carson and those days for the film.
"The airport is named in her memory, so we think about her quite a bit," Sand said. "It was good to bring it back up to the surface a little bit and talk to some people who all had that common connection with her."
He went on to say that the Lost Prairie Boogie, which runs from July 23 to Aug. 1, is an opportune time, not only to check out the premiere of Gorman's film, but for beginners and experienced jumpers to converge for one of the top skydiving events in the country.
As for Gorman, despite spending so much time around skydivers exploring their motivations, he still has no interest in jumping himself.
"No, and I never will," he said. "Once a chicken, always a chicken."
For more information about Gorman's film, visit: http://beagleboogiebabe.blogspot.com/.
For more information on Skydive Lost Prairie and the 2011 Boogie, visit http://www.skydivelostprairie.com/ or call 406-858-2493.
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subset: commoncrawl


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Lets make a quick break of Egypt ;)
Graffiti is a big part of my life.
I just love this kind of art.
It's fresh, cool and shows different approach of every artist towards their own expression.
One of the most popular place where graffiti is part of city landscape is Shoreditch.
Once in a while, official celebration of art is organised in this area to attract artist from all over the world who come here to show their skills.
"Meeting of styles" is combination of graffiti masterpieces created in surroundings, music played by DJs and street food served to people who can enjoy this event.


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Combine and Tractor Fires
Combine Fires – Tractor Fires & Preventing Fires
Combine Fires & Preventing Tractor Fires
John M. Shutske, College of Agricultural, Food, and Environmental Sciences
University of Minnesota
Contact us for a no obligation insurance quote today.
Combine Fires – Tractor Fires – Preventing Fires
It's a perfect day to start wrapping up the last full week of a long, busy harvest. There's not a cloud in the sky. The crop is dry and bountiful. The harvest has been as hectic as any other, but fortunately with no breakdowns or any real problems! In fact, other than checking the oil a few times, greasing bearings, and fueling up, your combine hasn't missed a beat. You're congratulating yourself, because this year . . . you'll be done with harvest before all your neighbors.
As you turn at the end of the field, midway through your first round, you smell smoke. You feel your stomach sink. That feeling of anticipation and exhilaration turns to fear and you realize that last busy week of combining could drag on into the early winter!
You jump out of the combine wishing you were closer to the cellular telephone and fire extinguisher in the cab of your pickup! Just as you hit the ground, you turn back to see bright orange flames and smoke starting to pour out of the bottom of the combine's engine compartment. You walk toward the smoke to get at the engine to try and at least throw some dirt on it. You burn your hands on the now red-hot hood latch and resign yourself to standing back and watching your $150,000 new machine go up in flames!
Does this scene sound far-fetched? Probably not to most busy farmers. Combine and tractor fires are a problem that cause over $20 million in property losses each year and millions more because of lost time and downed crops during the busy harvest season. Fires not only cause huge losses and waste time . . . they also cause 40 or 50 serious injuries each year, and occasionally a person is killed because of a farm machinery fire.
There are two keys to preventing a disaster like the one just described:
- prevention
- preparation in case a fire does break out
Machinery Fire Prevention
For a fire to occur, three things must be present: air, a material to burn, and a heat source. It's impossible to eliminate air around a farm machine. So, farm machinery fire prevention focuses both on keeping the machine clean of possible fire-causing materials and eliminating all possible sources of heat that could lead to a fire.
Farm machinery fires cost millions in property damage, downtime losses, and personal injury.
Cleanliness and Maintenance
Begin every harvest season with a clean machine. Pay special attention to the engine and engine compartment, since about 75% of all machinery fires start in that area. Use a pressure washer to remove all caked-on grease, oil, and crop residue. A clean engine will run cooler, operate more efficiently, and greatly reduce your chance for fire.
After starting the season, make sure you frequently blow any dry chaff, leaves, and other material off the machine with compressed air. Also, clear off any wrapped plant materials on bearings, belts, and other moving parts.
Pay close attention to your machine operator's manual and follow all instructions and schedules for lubrication and routine maintenance. If you notice any leaking fuel or oil hoses, fittings, or metal lines, make sure to replace or repair them immediately!
Combine Fires – Tractor Fires – Fire Prevention:
- Keep it clean : Clean the engine compartment and exhaust at least once a day; in periods of heavier operation, more frequent cleaning may be needed. Use compressed air to clean out the chaff and dust and a high-pressure washer to clean caked-on grease, oil and hydraulic fluids.
- Be on the lookout : Conduct an inspection each day before beginning combining. During this inspection, pay attention to hoses, fuel lines, belts, fittings and wiring. If any are leaking, cracked or otherwise damaged, replace the part.
- Electrical safety: Don't bypass overload protection such as fuses and circuit breakers. Frequently inspect wiring and switches for any unsafe conditions in the combine's electrical system and reduce sources for fire ignition.
- Proper maintenance: Since vibration and friction can create heat and potential ignition sources, take steps to minimize these exposures. Follow manufacturers' recommended maintenance and lubrication schedules.
- Keep your cool: If the cooling system is not properly maintained, the engine can run hot and increase the risk of ignition. Cleaning crop residue from this system will help ensure proper operation.
- Fueling safety: Because fuel sources for combine fires can be crop residue, oil buildup or an electrical spark, a multipurpose extinguisher is required to meet type A (crop residue), type B (fuel oil), and type C (electrical) fires. Fueling safety. Extinguish any open flames before fueling the machine, and thoroughly clean any fuel spills before starting the engine.
Eliminate Heat Sources
Combine and tractor fires can be caused by several heat sources. The most common is exhaust system surfaces that contact any flammable material. Make sure your exhaust system including the manifold, muffler, and turbocharger are in good condition and free of leaks.
When checking your oil and performing other daily maintenance, quickly scan any exposed electrical wiring for damage or signs of deterioration. Replace any worn or malfunctioning electrical component with proper parts from your dealer. If you are blowing fuses, or have a circuit that intermittently cuts out, it's a good sign that there's a short or loose connection in the system. The arcing electrical wires on a farm machine will generate extremely high temperatures.
Also keep an eye out for worn bearings, belts, and chains. A badly worn bearing can glow red-hot. Any rubber belt subjected to intense heat from a worn part can burst into flames.
Being Prepared
Despite your best intentions and good maintenance, a fire on a tractor or combine can still occur. Your best source of protection for a combine is at least one fully charged ten-pound ABC dry chemical fire extinguisher. A five-pound unit is recommended for tractors. Select only extinguishers with an Underwriter's Laboratory approval. Having two extinguishers on the machine is even better in case one malfunctions or loses pressure. Keep one mounted in the cab, and one where it can be reached from the ground.
Check your extinguishers periodically, paying special attention to the pressure gauge. To function effectively, the gauge must show adequate pressure to expel the powder inside.
Extinguishers should also be checked periodically by someone from your local fire department or insurance company. Any extinguisher that has been even partially discharged must be fully recharged before it's used again. During even a brief discharge, the tiny dry chemical particles will create a small gap in the internal seal of the extinguisher valve. This tiny opening will cause any remaining pressure to leak out in a few hours or days.
What If I Have A Fire?
If a fire does break out on a machine you're operating, quickly shut off the engine, grab your extinguisher, get out, and get help. If you forget to grab the extinguisher, don't go back in after it unless the fire is extremely small or confined to an area well away from the cab.
Having a cellular phone or two-way radio nearby will help get professional assistance to the field more quickly.
Approach any fire with extreme caution. Even a small fire can flare up dramatically as you open doors, hatches, or other areas to gain access. These types of fires are especially dangerous when liquid fuels are involved. If possible, use the extinguisher's flexible hose to shoot the chemical from a safe distance at the base of any flames you see. Continue to blanket flames to allow the fire to cool and prevent a reflash.
Remember that it may not be possible to put out every fire. If it's in a difficult-to-reach area or seems out of control, don't risk the chance of injury or even death… wait for help to arrive.
Before resuming operation after any fire, make sure to find and correct the cause.
Disclaimer and Reproduction Information: Information in NASD does not represent NIOSH policy. Information included in NASD appears by permission of the author and/or copyright holder.
NASD Review: 04/2002
Produced by the Educational Development System, University of Minnesota Extension Service.
In accordance with the Americans with Disabilities Act, this material is available in alternative formats upon request. Please contact your Minnesota county extension office or, outside of Minnesota, contact the Distribution Center at (612) 625-8173. The University of Minnesota Extension Service is committed to the policy that all persons shall have equal access to its programs, facilities, and employment without regard to race, color, creed, religion, national origin, sex, age, marital status, disability, public assistance status, veteran status, or sexual orientation. FS-6481-GO 1994


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by Fu Yiming
STOCKHOLM, March 22 (Xinhua) -- The world needs effective and inclusive water governance amid a growing demand, said Hakan Tropp, director of water governance at the Stockholm International Water Institute (SIWI), on Wednesday.
The amount of water available is unchanging, yet demand for it is growing every day, especially from the manufacturing, energy and food producing sectors, he told Xinhua during a ceremony held here for announcing the 2017 Stockholm Water Prize winner.
"We see an increasing number of cities and factories reaching further into the rural landscape to claim water resources, increasing the potential for water to be a source of tough trade-offs and social and political tensions," he noted.
Tropp called for an effective and inclusive governance of water resources worldwide.
"The world needs effective, and more inclusive water governance. We need to make better decisions today to manage the water demands of tomorrow," he said.
"We also need to make sure that the water available is used for the greater public good and is recognized as a critical component to eradicating poverty," the water expert added.
According to SIWI, nearly 40 percent of the world's population lives in countries that share river basins. Increasing stress on water resources globally demands reasonable and equitable use of transboundary waters.
SIWI also believes that improved management of transboundary waters reduces the potential for conflict, fosters socio-economic development, promotes shared benefits, and supports healthy ecosystems and services.
Tropp pointed out that water resources are currently over-exploited and polluted in many places, and millions of people around the world lack access to safe water and basic sanitation.
"I hope to see clear political direction that empowers decision-makers to make better choices for both people and the environment," he said.
"For example, improved water governance reduces investment risks. A more stable and reliable investment environment leads to more investments into water. By ensuring that infrastructure procurement processes are transparent, contract costs can be kept much lower while maintaining a higher quality of infrastructure services delivery," the expert added.
Tropp criticized the current decision making on water issues for being "often fragmented between government institutions and agencies," urging better cooperation between them and a unified water mandate.
"The unpredictability of climate change impacts can reduce the effectiveness of legislation as a tool for water governance. This is why negotiated outcomes -- inclusive processes that bring impacted stakeholders to the decision making table -- are critical to the future of effective water governance," Tropp noted.
While noticing a great trend in many parts of Africa towards improved water governance through more inclusive decision making, Tropp believes "much remains to be done."
On Wednesday, which marked this year's World Water Day, SIWI granted Professor Stephen McCaffrey of the United States the 2017 Stockholm Water Prize for his "unparalleled contribution to the evolution and progressive realization of international water law."


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Renaissance Man
Kai Nagata on the Possibilities of Post-Corporate, Citizen Journalism
Kai Nagata suggested we meet at the bar where, just one night prior, he gave a very regular patron a very fake name.
Taking out his wallet during a second round, he flashed me an old, CTV-issued piece of identification. Bangs in an impeccable, immobile news-anchor pompadour, the only thing recognizable in Nagata's angular face are the determined brown eyes. The bearded man drinking a beer before me could be a different person entirely.
Nagata is a journalist that struck a national nerve last July when he walked away from his "great job, especially for a 24-year-old" working as CTV's Quebec City Bureau Chief and wrote a lengthy explanation of his move on his website, kainagata.com.
Part rationale, part media criticism and part manifesto, his blog post, "Why I Quit My Job," received substantial attention across the country.
Some of the thousands of comments that came with the storm of viral backlash and back-and-forth wrote him off as self-indulgent, questioning his wisdom, while others hailed him a visionary.
"As a reporter, I feel like I've been holding my breath. Every question I asked, every tweet I posted, and even what I said to other journalists and friends had to go through a filter where my own opinions and values were carefully strained out," he wrote at the time.
"If I ever said anything out of line with my position as an 'objective' TV reporter, they had grounds to fire me. I had a sinking feeling when I first read that clause, but I signed because I was 23 and I wanted the job. Now I want my opinions back."
Nagata said he is far happier today than he was before.
"I felt like I was going crazy, having that much of a gap between who it was I wanted to be [and who I was]. I couldn't recognize the two," he said. "I'll give you an example: what does it mean to your identity to play a character on air that everyone assumes is straight, but actually be gay?
"That's something a disproportionate number of male of broadcasters deal with, and I can't claim to get inside their heads, but I know it's tough to compartmentalize that this is who I am on air and this is who I am the rest of the time."
Emphasizing a self-censorship that occurs in journalism when reporters are forced to adopt a "he-said, she-said mentality" to storytelling that lacks a deeper, or more informed analysis, Nagata argued the current framework makes it difficult to create media that makes a difference.
"I recognize that people try every day to put out better stuff than the kind of ultimately useless, non-analytical representation of events," he said.
"But the reality is that the economic context forces you […] to do some lazy-ass journalism from time to time. And I think that starts to chip away at your integrity and values, because that's your name on the byline, your face on the TV or your voice on the radio."
Though people across the country called him naive for leaving the system, Nagata demurred. Rather, he said, it's naive to believe things can be changed from the inside in an institution like media.
"Give me an example of when that's worked and I'll happily discuss it," he said with a chuckle.
"Let's put it this way: is there any reason to be hopeful about the existing model? I don't believe that unlimited growth is possible forever. And saying that out loud makes you a heretic. It's not a viable model for your career or for the global economy."
After taking a decision to strike out against the "internal, self-regulated culture of news," Nagata gave away most of his worldly possessions in Quebec City and spent the rest of his summer occupying his father's backyard, living in a tent.
He eventually became a writer in residence at The Tyee, an independent online magazine based in British Columbia, while making plans to work on changing how news is produced from the outside.
His first project, Renaissance Man—the debut installation of a possibly three-part documentary he filmed in California about a Montreal-based, blind British dirt bike jumper named Matthew Wadsworth—also quietly hit the Internet last week.
"What I'm trying to experiment with right now is a ground-up sustainability model to media production," he said. With a budget cultivated online from donors, "we proved we could make something cool with very little money and without any networks, distributors or advertisers calling the shots.
"Think about how far [our budget of] $5,000 would go at a TV station," he mused. "It would keep the lights on for the first half of the day. But if you can strip down the process […] it's possible to create a model of efficiency that allows you to tell ambitious stories."
Nagata's bold prediction is that creating a more sustainable model of producing media now will better prepare journalists if there's another recession—and another round of industry downsizing.
And while he's got his hands full at the moment, currently en route to England to put together part three of Renaissance Man, Nagata is also in the early stages of developing an interactive online network and skillshare for citizen journalists.
"Think of it like a Facebook for citizen journalists," he explained, "or a hybrid news site, training resource and meeting place."
It is the projects like these that keep him extremely hopeful about the future of Canadian journalism and the quality of the people working in it, he said.
Plugging away at Renaissance Man, Nagata said his progression away from the corporate journalist has allowed a more creative and resourceful side to flourish.
"The more time you can give yourself to think deeply, to read, to reflect, to examine your own causations and feelings, the more you have time to work on yourself and your own work, rather than someone else's," he explained. "When you're not working for someone else, all kinds of interesting things happen with those creative muscles."
Check out Nagata's new film project Renaissance Man at kainagata.com


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Last week, former member of the IQCC was awarded the prestigious FRIPRO Young Research Talent grant (8 million NOK) for Accurate Prediction and Interpretation of NMR Spectra in Transition-Metal Complexes (SpecTraM) by the Research Council of Norway. With this grant she can start her own research group at the Hylleraas Centre for Quantum Molecular Sciences of the University of Oslo, Norway. Dr. Castro did her PhD thesis with success on "Computational Study of Nuclear Magnetic Resonance Shielding Constants" supervised by Marcel Swart in 2017. Then, she continued her work as postdoc in the research group of Prof. J. Oscar C. Jiménez-Halla at the University of Guanajuato, Mexico and then in 2019 she joined the Hylleraas Centre as postdoctoral researcher with a prestigious MSCA-IF fellowship funded by the European Union.
Abstract SpecTraM: The accurate prediction of NMR (Nuclear Magnetic Resonance) properties in transition-metal complexes provides a useful, but challenging, strategy to help in the interpretation of the spectra. Magnetic shieldings have been said to be sensitive to everything and the enormous challenge when modelling NMR spectra of heavy-nuclei or paramagnetic molecules, arises from the extreme sensitivity to relativistic and environmental effects. SpecTraM will contribute to this challenge, combining state-of-the-art relativistic approaches with robust quantum-chemistry methodologies to reproduce accurate chemical shifts for heavy transition-metal complexes.
The IQCC congratulates her warmly and wishes her success in her new adventure!
Girona, June 28, 2021
For more information: email@example.com


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This business is listed in the fire-protection section of our website
- 07928431509
- lancashire
- Blackpool
- Palatine Road
- Other Pages: - -
- We can carry out an extensive fire risk assessment to help you understand your level of risk, what work needs to be done and why.
We will provide you with a comprehensive report that meets all regulatory requirements and will highlight any deficiencies or issues that require attention. Using a simple traffic-light system, issues requiring attention are summarised in the Action Plan at the end of the fire risk assessment document, and are rated in accordance with priority based solely on their impact on life safety.
We have been doing 'in-house' Fire risk assessments for over 10 years, and are now available for your business. Our latest qualifications are approved by: The Fire Protection Association, The Institution of Fire Engineers, and CFPA Europe. (Confederation of Fire Protection Associations Europe).
Can we help you?
We carry out Fire Risk Assessments in Preston / Blackpool and surrounding areas. - Also Listed In:
fire-protection in Blackpool
lancashire Business Directory
Blackpool Business Directory
fire-protection in lancashire
fire-protection Directory
- This business listed their business in these categories:
fire risk assessments
blackpool risk assessment
fire risk assessors Preston
Fire Risk Assessments Preston
Fire Risk Assessments Blackpool
New to business directory You can add your business to our website by going here


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Living in a #TimesUp era helps us shed light on inconsistencies between Men and Women in American society. It's hard to believe the laws/rules below stood in place for Women until as recent as the 1970's.
According to Snopes, here's what women weren't allowed to do in 1971...
- Get a credit card in her name. In 1974, a law FORCED credit card companies to issues cards to women without their husband's signature.
- Get pregnant without being fired. In 1978, the Pregnancy Discrimination Act
- Get an Ivy League education. Dartmouth and Columbia started admitting women in 1971, not Harvard until 1977.
Check out the full list here.


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Self storage that works for you
Simple. Book your storage and collection online or through the phone, your possessions are collected and stored in secure, climate controlled facility. We bring your them back when you need them. No hassle. No muscle.
Book your storage and collection online or through the phone.
Your items are stored in secure, climate controlled facility.
We bring your items back when you need them. No hassle.
Storage Units for Horwich locals
Need self storage in Horwich or elsewhere in Manchester? Whether you're in Horwich, Wythenshawe, or Urmston, easyStorage is the cheap storage service to beat. Nationwide availability with no hidden costs is all part of the easyStorage promise.
Our innovative easyPods can come with two professional loaders to stow your belongings. Sit back and relax - we'll do all the heavy lifting for you. Once this is complete, the easyPod is secured with a uniquely numbered seal and delivered to our nearest storage facility.
Why battle with the logistics of traditional self storage options when easyStorage comes right to your door? Leaving you to enjoy the pleasant ambience of Horwich where easyStorage is readily available.
Horwich has several notable sites to explore. The Horwich Town Council has created a self-guided heritage trail beginning at the Crown Hotel on Chorley New Road. From here, the trail takes a triangular path, following Lee Lane, then Winter Hey Lane, and ending right back at the Crown Hotel. Just off the trail is Horwich Heritage Centre on Beaumont Ave which documents the history of the town's locomotive industry.
A more modern train journey will get you to Horwich from central Manchester in less than an hour. Hop off at Horwich Parkway on Arena Approach and it's a short trip to the town centre to one of Horwich's many restaurants. Options range from the charming Curley's Dining Rooms on Wallsuches to Il Toro over on Church Street for traditional Italian meals. If a hearty British lunch sounds more like the thing, the Blundell Arms on Chorley Old Road serves delicious food in a 17th Century pub.
Chorley Old Road also hosts a wealth of local shops and boutique stores. Are you an entrepreneur in Horwich? easyStorage has the perfect business storage solution for you. With a single phone call or a few clicks on our site, you can have our easyStorage van picking up your boxes in no time. You can even purchase our low-cost moving packs online and benefit from next-day delivery. Whether you're relocating or renovating, take advantage of our secure storage at cheap self storage prices.
For many people who move to the area, Horwich is a pleasant escape from the bustle of the big city. These new residents have settled in roads such as George's Lane, Foxholes Road, and Ridgmont Close. The suburbs are conveniently close to arts and culture facilities. Leith's Dance is on Lee Lane, not far from UKTC Taekwondo on Victoria Road. Across from this is Horwich Leisure Centre where members can enjoy the indoor swimming pool, courts, and fitness classes.
For those who prefer outdoor activities, The Matchmoor Riding Centre is the place to go to explore the West Pennine Moors while mounted. If you're a keen rider who's collected way too much gear, there's an easy storage solution at hand! Your saddles and bridles will be safe and dry in our clean easyPods. Just give us two days' notice if you'd like to remove or add items to your storage container. Leave the stress of storage to our professional team and get back to relaxing on horseback.
Whatever you want to lock up and store, easyStorage is happy to meet your needs. Traditional self storage options have you bearing all the hassle but none of the convenience. With easyStorage, it's all about your satisfaction.
Our team is also happy to answer all of your questions about self storage in Horwich, Cheadle, or Carrington. Give us a call today and let easyStorage simplify your storage!


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The developed world may soon be compensating the developing world for climate change
By Matthew Barrett
Follow Matthew on Twitter.
At the climate talks currently being conducted in Doha, there is a radical proposal that, it seems possible, may be accepted by many of the major developed countries in the world. The UN talks look like they will conclude with an agreement that developed countries will compensate developing countries for the impact of climate change.
The principle of compensating the third world has been discussed since 1992's climate talks in Rio, but many industrial Western countries, especially the United States, have resisted such an idea. The US appears ready to consent to it this time, because the wording of the proposal caps compensation payouts by wealthy countries at a nonetheless-eye-watering €100bn a year.
Our man in Doha, Gregory Barker, pictured as part of the British delegation, right, has been keeping followers updated on Twitter. By all accounts, delegates at the Qatari capital's conference centre are extremely tired, and the talks have frustratingly stretched on for longer than expected, having been supposed to have finished last night. It is still unclear what the final outcome of the talks will be, or if the radical plan will finally be adopted, but the signs so far point to definite progress.
The effect of the resultant climate change bill on Britain is not likely to be a happy one; countries have signed up to a further reduction in carbon emissions, which usually means an increase in fuel prices for British consumers, a less competitive atmosphere in which to do business, and so on.
"The British Geological Survey (BGS) is carrying out an independent analysis of shale gas reserves which it plans to publish in the new year. It is understood that the BGS will estimate that the 1,000 square kilometres covered by the Bowland Basin to the east of Blackpool contains 300 trillion cubic feet of gas, equivalent to 17 times the remaining known reserves in the North Sea. A year ago Cuadrilla published an estimate of 200 trillion cubic feet for the Bowland Basin. At the time the company said that the figure was conservative. But many experts dismissed it as unrealistic."
The Chancellor announced in his Autumn Statement, that there would be tax breaks to incentivise shale gas developers, which would result in at least 30 new gas-fired power plants being built by 2030. As a result, our domestic energy bills are likely to come down, in time. We will also be less dependent on unreliably available and unethically owned gas from Russia and the Middle East. As Lord (Nigel) Lawson writes in today's Daily Mail:
"Until now, the West has been heavily dependent for its supplies of oil and gas on an unstable Middle East and an unreliable Russia. Crucially, all that has changed because gas and oil-bearing shale is scattered throughout the world — including in Britain. This has shaken up the old world order — and the global balance of power is being permanently transformed before our eyes. ... We are living in an era when good news is thin on the ground. The shale gas revolution is the exception: a game-changing piece of good news, both economically and geo-politically, both for this country and for the world."


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Transitional Flash banner is built from a flash animation displayed when the user navigates to another page in the website. Instead of a simple flash animation can be use it a video sequence or a video player.
This banner can be configured to be displayed in the center of the screen or to be aligned to the browser edges. Also, a domains list which activates the banner or not, can be used.
Browse through the examples below to see how to use Transitional Flash.
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Peugeot UPC
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Towner, Kevin J, Evans, Benjamin ORCID: https://orcid.org/0000-0001-6849-9758, Villa, Laura, Levi, Katrina, Hamouda, Ahmed, Amyes, Sebastian G B and Carattoli, Alessandra (2011) Distribution of intrinsic plasmid replicase genes and their association with carbapenem-hydrolyzing class D beta-lactamase genes in European clinical isolates of Acinetobacter baumannii. Antimicrobial Agents and Chemotherapy, 55 (5). pp. 2154-2159. ISSN 0066-4804
Full text not available from this repository. (Request a copy)Abstract
Ninety-six genetically diverse multidrug-resistant clinical isolates of Acinetobacter baumannii from 25 hospitals in 17 European countries were screened by PCR for specific carbapenemase-hydrolyzing class D β-lactamase (CHDL) genes and by PCR-based replicon typing for the presence of 19 different plasmid replicase (rep) gene homology groups (GRs). Results were confirmed by DNA sequencing where necessary. All 96 isolates contained at least 1 (with a maximum of 4) of the 19 groups of rep genes. Groups detected were GR6 (repAci6; 93 isolates), GR2 (including repAci1 [67 isolates] and repAci2 [3 isolates]), GR16 (repApAB49; 12 isolates), GR12 (p2ABSDF0001; 10 isolates), GR3 (repAci3; 4 isolates), GR4 (repAci4; 3 isolates), GR10 (repAciX; 1 isolate), and GR14 (repp4AYE; 1 isolate). Variations in rep gene content were observed even among epidemiologically related isolates. Genes encoding OXA-58-like CHDLs (22 isolates) were associated with carriage of the repAci1, repAci3, repAci4, and repAciX genes, genes encoding OXA-40-like CHDLs (6 isolates) were associated with repAci2 and p2ABSDF0001, and genes encoding OXA-23-like CHDLs (8 isolates) were associated with repAci1. Most intrinsic Acinetobacter plasmids are non-self-transferable, but the almost ubiquitous repAci6 gene was strongly associated with a potential tra locus that could serve as a general system for plasmid mobilization and consequent horizontal transmission of plasmids and their associated antibiotic resistance genes among strains of A. baumannii.
Item Type: | Article |
Uncontrolled Keywords: | acinetobacter baumannii,carbapenems,plasmids,beta-lactamases |
Faculty \ School: | Faculty of Medicine and Health Sciences > Norwich Medical School |
UEA Research Groups: | Faculty of Medicine and Health Sciences > Research Groups > Gastroenterology and Gut Biology Faculty of Medicine and Health Sciences > Research Centres > Metabolic Health |
Depositing User: | Pure Connector |
Date Deposited: | 24 Sep 2016 00:09 |
Last Modified: | 19 Oct 2023 01:44 |
URI: | https://ueaeprints.uea.ac.uk/id/eprint/59867 |
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Local governments would be prohibited from placing restrictions on large livestock facilities in rural areas under a bill being considered in the Indiana Senate.
The bill would prevent county or other local officials from adopting any rules beyond state laws on building livestock structures in areas zoned for agricultural use.
Senate Agriculture Committee Chairwoman Jean Leising of Oldenburg told The Indianapolis Star that her bill is responding to various counties around the state that have sought moratoriums on large facilities, which can house thousands of hogs or cows.
Some environmentalists and local government leaders say the proposal would wrongly strip away local authority.
The agriculture committee is scheduled to hold a hearing on the bill Monday.


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Lisette Starr
I am the doting aunty of nine and the step mum of one. Originally from the UK my husband and I now live on the edge of the forrest just outside of Melbourne, in one of the quirkiest towns in Australia. (Population - about 2,000. Cafe's & Art galleries - about 45,000. Tourists - A LOT!).
I care for my mum, who is, (apart from being the most relentlessly "glass half full" person I have ever met), blind, half deaf and almost crippled, (she can't stand up unsupported). She has been living with us for the last 5 years. AND Yes, it is hard work, but it has given me the opportunity to write, and start up RED BEETLE BOOKS... so turns out that I am blessed, and all that hard work has been truly worth it. *Also my mum is hysterically funny, interesting and cheerful, so it's not really a chore!
I love writing verse. I started writing songs when I was nine, and have been at it all my life. I have a degree in Film & TV, have written and directed several short films and one feature, made a few video clips, and been a finalist in the "Filmmaker's International screen writing awards" three times. I have also won a number of small short story competitions. I am known for being a bit of a wordsmith.
My aim is to deliver you quality books that are fun to read and have great messages, and I invite you to join me on my journey through the fabulous world of imagination that are kids books!
You can follow Red Beetle Books on Facebook or Twitter. And if you go to the Red Beetle Books website and sign up for the "Red Beetle Book Club", I will send you a free colouring book, and keep you up to date with any new releases, special offers, freebies or big discounts... come and join me... I'd love to have you in the club!


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Urinal Deep Clean
Is your urinal smelly and dirty with accumulated uric acid stains and build up over the years?
Vedder Sanitary Services has professional staff available to deep clean urinals reducing bacteria and odors and leaving it like new.
This service is performed using a special machine, tools and chemicals to suit the type of urinal and conditions – to penetrate deep, softening any build up of stains and uric acid deposits on the urinal walls, steps, trough, drain pipes etc.


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If you want to increase your business's bottom line, you need to expand your customer base. While strategies like lead generation are helpful, it's often better to get referrals from your existing clientele.
Unfortunately, that is easier said than done. Many businesses don't know exactly how to ask for referrals, so they may be missing out on some incredible deals. Thankfully, this article will outline the top five tips to help your team get more referrals. Here is what you need to know.
Why are Referrals Valuable for Your Business?
Even if you don't have any issues finding new qualified customers, a referral program can still be vital to your bottom line. Here are the top reasons why you should be asking for referrals as much as possible:
- Land Bigger Clients – If you want to close more substantial deals, you need to seek high-profile customers. However, these individuals or companies are less likely to work with an outsider. So, getting a referral means that you can build trust before meeting with the prospective client and have a better chance of closing.
- Expand Your Referral Network – As your current customer base refers other leads, and you convert them, those new clients can refer even more individuals, and so on. You can potentially increase your market share relatively quickly.
- High ROI – One of the best benefits of referrals is that they cost practically nothing. So, if you can land a few lucrative customers, you'll have a much larger ROI than if you used standard lead generation tactics.
Prospective Client vs. Potential Customer
Two fundamental sales elements are prospecting (finding leads) and qualification (focusing on the best leads). When looking at various strategies, you'll see the terms prospective client and potential customer has thrown around. Although these phrases are similar, they mean two different things.
- A potential customer is a person who may or may not be interested in what your brand has to offer.
- A prospective client, however, is someone who has been qualified and nurtured by the sales team, so there is some expectation that they will buy.
Ideally, you can turn most of your potential customers into prospective clients, but that is harder when finding brand-new leads. This process is much easier with referrals since the lead already knows what to expect from your company.
Five Tips on How to Ask for Referrals
Tip One: Utilize Your Customer Success Manager
While sales and customer service representatives react to customer questions, concerns, and issues, a customer success manager is much more proactive. The CSM's job is to ensure a smooth transition from lead to a client, and they will maintain a good relationship with customers after they have purchased.
Because long-term communication and loyalty are the goals, customer success managers should be the front line of your referral program. They already have a good relationship with your clients, so they are naturally in a position to know how to ask for referrals.
Best of all, as long as these relationships are positive, your customers will be far more willing to recommend your business to others.
What If You Don't Have a CSM?
The short answer to this question is to find and train a customer success manager as soon as possible. However, if that isn't feasible (i.e., you don't have the budget or resources), you will need to lean on your sales team to achieve the same goal.
Realistically, your sales staff won't be able to keep up with all past clients, but they can focus on nurturing repeat customers. Better yet, if you develop an automated referral system, reps can ask everyone quickly and efficiently.
That being said, sales training may be necessary to ensure that your team is reaching out to customers the right way. Asking for referrals doesn't have to be an awkward process, but the wrong language or tactics can make it tough to get positive feedback.
Tip Two: Turn Cold Calls Into Warm Leads
Most sales reps don't like cold calling because it is often hard to close a deal. However, with a referral, it is much easier to get a positive response.
To ensure that your new leads are warmed up, you want to utilize the person making the referral as much as possible. Ask questions about the person and see if your client can make an introduction. This way, the new lead is more likely to listen to your pitch and give your company a chance.
Overall, you want to avoid a situation where a customer just gives you a name and a phone number. Get as much information as possible beforehand.
Tip Three: Utilize Your Net Promoter Score
One of the best ways to measure the health of your business is to get customer feedback. Happy customers are likely to buy from you again and recommend your brand to others. So, if your client satisfaction is high, your company should be doing well.
The simplest method for determining customer satisfaction is with a net promoter score (NPS). If you aren't familiar with this term, here is how it works:
- First, you ask your customers this question, "how likely is it that you would recommend our (brand or product) to a friend or colleague?" When asking, be sure to give a ranking option from zero to 10.
- Next, measure everyone's response. There are three NPS categories based on how high the customer scored. Those at the bottom (zero to six) are detractors, those in the middle (seven or eight) are passives, and those at the top (nine and ten) are considered promoters.
- To determine your net promoter score, simply subtract the detractor total from the number of promoters.
Let's say that you reached out to 100 people. Sixty of them ranked as promoters, 30 were passives, and 10 were detractors. In this case, your NPS would be 50 (60-10).
The best part about a net promoter score is that it is highly adaptable. You can ask questions about specific products, services, or customer experiences. Additionally, you can ask after each transaction or reach out to past clients regularly to see how their opinion of your brand changes over time.
As you can imagine, your NPS can be highly valuable when learning how to ask for referrals. First of all, the question itself is related to the topic, and secondly, you can determine which customers are more likely to give a referral.
By utilizing your net promoter score, you can focus your attention on the most satisfied clientele. That being said, you don't want to dismiss your detractors, either. Instead, it is far better to try and turn a detractor into a promoter. While you may not want to ask dissatisfied customers for a referral, you can ask them why they are unhappy with your brand.
From there, you can address any specific issues and request a second chance. Although not everyone will come back, you can potentially convert some detractors. If that happens, they are far more likely to recommend your business since you addressed their complaints and solved the problem.
Tip Four: Focus on Your Best Customers
As we mentioned, the NPS system is vital because it allows you to categorize your customers. While it can be valuable to ask everyone for a referral, it is often better to focus your attention on individuals who are more likely to say yes.
Even without using a net promoter score, your sales team should have a good idea of which clients may respond more positively to referrals. Just as you want to qualify your leads to avoid wasting time, you can do the same for customers.
Tip Five: Build a Referral Program
One of the primary issues with learning how to ask for referrals is that there is no standard method for doing it. All too often, businesses take a meandering approach, meaning that they will ask randomly or arbitrarily. In that case, it is hard to get any meaningful responses.
A better option is to build a referral system. This program can either be automatic or based on client interactions. Here are some ways to get started:
Come Up With a Script
Although an email or sign can be useful, the best way to ask for referrals is in person or over the phone. To help your sales or customer service team avoid fumbling, write a script and have each rep memorize it.
Ideally, the script will focus on positive interactions and building a relationship with the customer. Rather than a straightforward "do you know anyone else who may be interested in our products?" your team can reinforce your brand quality. Here is an example of a referral script:
"Hello [customer name],
First of all, I want to thank you so much for shopping with us! We appreciate all of our customers, and we are happy that you had a fantastic experience. Our company is committed to providing that same level of care and attention to detail to everyone we encounter.
Since you had such a positive experience with our team, I wanted to see if you knew anyone else who could benefit from our products. Perhaps a friend, co-worker, or family member? Referrals are the core of our business, and we pride ourselves on building a strong network of satisfied customers.
You don't have to think of anyone right now, but please call me back at [phone number] if you come up with a referral. You can also reach out if you have any questions or want to buy from us again!
Thank you so much for your time. I hope you have a wonderful day!"
Create Referral Materials
Realistically, the bulk of your referrals will come from personal interactions. However, it is also a good idea to create various marketing and sales materials that mention your referral program. These items can include:
- Emails – Leverage your subscriber list to get more business.
- Email Signature – Subtly remind everyone you contact that your company loves referrals
- Signage – Place marketing signs in high-traffic areas and in places where your sales team meets with clients.
Come Up With an Incentive Plan
While you cannot solicit positive reviews by offering freebies, you can incentivize customer referrals. For example, clients can receive a free add-on or discount with their next purchase. Or, perhaps the referral customer could get rewarded.
Another point to consider is that you can incentivize your sales and customer service reps to ask for referrals as well. For example, you can offer $5 gift cards for each referral that buys something. With a rewards program, your team will be far more motivated to follow up with customers.
Use Social Media
Sites like LinkedIn and Twitter are useful for finding leads, so why not referrals as well? You can use these platforms to message past customers directly or promote your program to the masses. Ideally, your audience will be mostly clients, but it doesn't hurt to tell new leads that they can benefit from referring others to your business.
Analyze Your Results
Once you build a customer referral program, the job isn't finished. What happens if no one is recommending new leads? What if your customer relationships are struggling? You need to have a system in place to analyze which elements are working so that you can refine the process to be more effective. Otherwise, you could be wasting time and resources.
Contact Selling Revolution Today
Building a customer referral program can be challenging if you have never done it before. Not only that, but it can be hard to find new referral opportunities, particularly if you are a new business.
Fortunately, Selling Revolution can make it easy to get customer referrals with real-world strategies and examples. Let our team help you expand your network and build your market share. Contact us today to find out more.


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RT Minerals starts drilling on Link Catharine RLDZ gold property near Kirkland Lake
RT Minerals Corp. has commenced drilling on the Link Catharine RLDZ Property 25 km southeast of Kirkland Lake. The gold property is comprised of 15 unpatented single cell mining claims with a total area of 220 hectares in one claim block within the Larder Lake Mining Division, Province of Ontario. Access to the Property is by vehicle on all weather and seasonal roads. The current phase of drilling will consist of up to 1000m of drilling to depths of up to 300m.
Gold mineralization occurs on the Property in zones of quartz veined iron and green fuchsitic carbonate altered rocks associated with the north-south Pacaud Fault and Deformation Zone. The Pacaud Fault and Deformation Zone are approximately 400 metres wide and run North-South for 2.5 kilometres on the Property. There are no mineral resources or mineral reserves within the Property boundaries.
A total of forty-seven diamond drill holes (totaling 6,956 metres) have been drilled on the Property by previous operators. Historical diamond drilling conducted by previous operators intersected gold mineralization with grades up to 7.07 g/t Au over 4.0 metres (Sudbury Contact Mines drilling 1993-94), 2.65 g/t Au over 33.62 metres (T. Link drilling 1999-2005), and 8.96 g/t Au over 2.0 metres (Golden Dawn Minerals drilling 2008-09) demonstrating significant gold mineralization within a favourable geologic setting. Geological data for the Property is summarized from the Nass Valley Gateway Ltd. NI 43-101 report by Stewart Jackson (2011) filed on SEDAR (September 30, 2011).
Strongly altered rocks favourable for gold exist on the Property in an approximately 400 metre wide by 2.5 kilometre long N-S trending deformation zone along the Pacaud Fault. Much of the deformation zone is covered by overburden and has not been drilled. The area that has been drilled has only been tested to shallow depths of less than 150m from surface.
The Company may earn a 100% interest in the Property by paying an aggregate of $200,000 cash, issuing 1,950,000 common shares and incurring $1,000,000 in work expenditures over a five year period as detailed in the Company's news release dated September 28, 2020.
Tags: Northern Ontario / Exploration / Gold / All Articles


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Susan Eckert of Promontory Financial Group also contributed to this post.
In the first part of our article, we discussed the changing regulatory environment for debt collection, noting that third party collectors and debt buyers should be preparing themselves for bank-like compliance. In part two, we look at how banks have been regulated in the past and explore the key points of focus for the CFPB:
Increasing complexity in the challenge of maintaining data integrity
Adapting disclosures to help consumers recognize and dispute debts
Clarifying responsible use of new technologies
Data Integrity
Although bringing first-party activities under the new debt-collection regulations would significantly expand the FDCPA's formal reach, doing so may be necessary to address systemic information flaws. The CFPB and the FTC have described these flaws as the most pressing in debt collection based on frequent consumer complaints regarding collection calls for debts that are not theirs or for erroneous amounts.
The frequency of debt sales puts a priority on accurate information management. Each successive buyer faces the prospect of making collection and sale decisions based on progressively less accurate and complete information, due largely to inconsistent file information and documentation requirements, as well as incompatible information-management systems. In some cases, debt buyers may obtain account documentation only if they pay additional fees.
Whether contractual agreements for transferred debts adequately safeguard data integrity is a question that the OCC has taken on aggressively. Even after sale, the originating lender and interim collectors have a stake in the accuracy of information about the nature, amount, and status of a debt. For example, a collector that eventually uses litigation to recover on a pool of charged-off loans must rely on prior owners' affidavits to establish debtor identity and the amount owed. A recent OCC enforcement action4 cited lax oversight of the affidavit process in this context as an unsafe and unsound practice.
The CFPB's ANPR emphasizes data integrity and related issues, including information transferred to debt buyers or collection vendors, the relationship between the sale price of transferred debts and the amount of transferred information, the information that creditors or sellers retain, and the access rights of vendors and debt buyers to underlying account documentation.
Consumer Disclosure and Dispute Resolution
The CFPB's proposal focuses attention on whether consumers have enough information to identify the debt being collected and understand their rights to challenge claims. With respect to the latter, key questions are whether current practices appropriately inform consumers of their ability to dispute claims and whether consumers unknowingly waive certain protections.
Here too, the frequency of outsourcing and debt buying is likely to be important. Since the institution and account from which the debt originated may not be provided and consumers are unlikely to have a direct connection to subsequent debt collectors, the transfer of debts may confuse consumers and undermine their ability to acknowledge or dispute claims. The CFPB is considering disclosure requirements to ensure the clarity, accuracy, and thoroughness of information provided during the collection process. One option under consideration is that the debt be identified by the original creditor, with the relevant account information, and a breakdown of the principal, interest, and fees owed.
Activities related to time-barred debt present a specialized issue. The ANPR seeks to identify what information consumers need to know and understand about their ability to contest certain collection activities for debts older than the applicable statute of limitations, and how to present that information effectively. As a hint of things to come, amicus briefs filed by the CFPB argue that the FDCPA requires collectors offering time-limited settlement options to inform consumers that the underlying debts cannot be collected through litigation, even where the collector has not raised the prospect of litigation.
New Technologies and the Regulatory Framework
The bureau's proposal reflects the need to clarify the legality of using various technologies for collection purposes. The eventual rule is likely to mark the first time that a federal agency has comprehensively extended consumer protections to new communications technologies. Just as the CFPB's mortgage servicing rulemaking is likely to set standards for student loan servicing, its resolution of technology- driven issues in debt collection will be an important marker for the use of technology in other areas.
The FDCPA prevented collectors from using only one form of communication — postcards — due to privacy concerns. The CFPB will have to balance the statute's broad embrace of communications methods with privacy. Whether leaving a voice mail, registering inbound caller ID information, or sending messages via social media, debt collectors will likely get clarity regarding permissible forms of contact, requirements for stating identity and purpose, and prohibitions regarding inappropriate third-party disclosures. Further, there could be additional restrictions such as limiting text messages due to possible cost to the recipient, consistent with the Telephone Consumer Protection Act.
The bureau will also have the opportunity to reconcile conflicting requirements. One such area is determining how collectors can comply with limitations on calling before 8 a.m. or after 9 p.m. when a cellular phone is the debtor's primary contact and may have an area code unrelated to the debtor's current residence.
The bureau may also consider whether and to what extent technology providers should be brought into the regulatory framework. Efforts to hold payment processors accountable for actions taken by commercial clients suggest that the CFPB will be interested in leveraging all involved parties to create strong incentives in favor of responsible conduct.
Prudential Leadership
Banking agencies' actions have already laid the groundwork for the CFPB's efforts. The OCC's best practices for debt sales5 set the tone for collection reform by, in effect, treating such sales as a vendor-management scenario in which banks retain responsibility for the conduct of all subsequent purchasers/handlers. The agency expects national banks to:
Use scorecards to assess the compliance performance and associated reputational risks of debt buyers
Create a governance body to monitor debt sales and related controls
Conduct presale due diligence at the account level so that balances are accurately reported, title to all transferred debts is free and clear, and documentation is accurate
Enhance documentation provided to buyers to ensure responsible conduct
Limit subsequent resale through contractual requirements
Adopt contracting standards
Perform strategic assessments of buyers' litigation strategies
Implement appropriate management reporting that tracks debt sales by business line, sales price, and repurchase risk
Subsequent vendor-management guidance from the OCC6 and Federal Reserve7 amplified these themes and clearly outlined oversight responsibilities for all vendors, including firms hired to collect debts in the original creditor's name. Consequently, first-party collectors are asserting greater control of the overall default life cycle.
Getting Ahead of the Curve
Even in the absence of the CFPB's final rule, the bureau and its prudential peers continue to vigorously examine lenders, vendors, and larger nonbank debt collectors. Responsible market participants need to develop two strategies — one for continually assessing and adapting their business practices and risk/compliance infrastructures, and another for engaging the bureau's rulemaking process.
Critical evaluation of current practices on an ongoing basis is fundamental to effective risk management with respect to both safety and soundness and consumer protection. Given the current supervisory emphasis on debt collection, it is particularly important to ensure robust internal review of the adequacy of:
Collection and debt-sales policies and procedures, overall and with respect to prohibiting unfair, deceptive, or abusive acts or practices
Default-management hierarchy, from temporary and permanent workout programs to settlement offers and collateral foreclosure/repossession, including the consistency with which the various options are offered or pursued
Documentation and data-integrity processes and standards, including system(s) adequacy in light of heightened expectations
Procedures for obtaining and documenting consumer consent on issues ranging from use of cellular phones to authorizing electronic funds transfers
Monitoring and testing protocols and other controls for ensuring adherence to policies, procedures, and data integrity
Complaint management and dispute resolution processes
Credit-bureau reporting, including the dispute resolution process
Due diligence and ongoing monitoring processes for collection vendors and debt purchasers
Compliance with state and federal laws regarding recording of collection calls
Stricter regulation of collection activities will favor market participants that make proactive, speedy, and effective enhancements to processes, systems, and controls. Collection firms whose activities were subject to one of the CFPB's first debt-collection exams or whose collection efforts have been reviewed by one of the banking agencies may find that early contact to be beneficial. In an environment of changing expectations, early investments in upgrading practices are likely to pay off. Tougher requirements will likely raise barriers to entry and allow established firms to further assert their market positions.
Susan Eckert and P-R Stark are members of Promontory Financial Group's Consumer Protection Practice and provide clients with strategic, regulatory, and compliance advice. This article originally appeared in Promontory's Sightlines newsletter, for which you can sign-up here.


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Located on the upper floor of a family home with secure private access, Romero Home Stay provides generous living space with 3 air conditioned bed rooms, and a self contained kitchen. Conveniently located just minutes by car or public transport from shopping, restaurants, entertainment, and downtown Naga. Hot meals can be made to order for small or large groups, along with fresh bread, cakes and pies from the on site bakery. Driver service is available for airport transfers and daily transport, or why not take a day tour to nearby locations such as the Geothermal Hot Springs, Beaches, or Mayon Volcano and Quad Biking. In the evening enjoy a relaxing drink around the table on the large covered balcony.
Romero Home Stay
Category: Accommodation, Apartelle, Hometel
Location: Magsaysay
Price Category: Reasonable
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The FINANCIAL — American Express on January 30 announced it has acquired Mezi www.mezi.com, a personal travel assistant app that helps consumers plan and book trips.
The Mezi app allows travelers to simply message their requests for flights, hotel or restaurant reservations, and Mezi provides recommendations and makes travel arrangements at the customer's request. Founded in 2015, Mezi uses artificial intelligence (AI) and human expertise to personalize the online travel discovery and booking experience. By learning travelers' preferences and understanding the way customers make requests using natural language, Mezi gets smarter and more efficient over time.
"Mezi's AI-powered experience opens up exciting new ways for us to connect with and serve our Card Members and creates opportunities for us to build more meaningful relationships with them," said Phil Norman, Vice President of American Express Digital Labs. "With messaging emerging as channel of choice for many, and the demand for unique experiences increasing, we believe the combination of Mezi's capabilities with our global network of expert travel counselors creates a differentiated, high-touch service experience for our Card Members."
The acquisition of Mezi follows an investment made in 2016 by American Express Ventures, the strategic investment arm of American Express, as well as a successful pilot with American Express Card Members. For those currently already enrolled in the AskAmex pilot, it will continue to run through the first half of 2018, according to American Express.
"American Express has always been synonymous with superior service and we couldn't be more thrilled to join the company," said Swapnil Shinde, Co-Founder and CEO, Mezi.
Going forward, Mezi will operate as a wholly-owned subsidiary of American Express and will continue to develop its core technologies and enhance its capabilities in digital travel concierge services. "We've built Mezi to become better with each and every interaction and based on the success of our pilot with American Express, we are excited to bring Mezi's mobile capabilities to more Card Members," said Snehal Shinde, Co-Founder and CTO, Mezi. The company's co-founders will continue to lead Mezi, and will report to Phil Norman, Vice President, Amex Digital Labs, Global Consumer Services Group at American Express.
"I'm excited to welcome Mezi's talented team to American Express. Together, we will continue to innovate mobile travel and concierge experiences for our customers," added Mr. Norman.


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A woman from Woking, whose car broke down in floodwater on Sunday (January 3), has paid tribute to the "amazing kindness" of two Surrey Police officers who came to her rescue.
Emma Butcher was with her one-year-old daughter Isabelle when her car broke down in floodwater underneath a railway bridge in Blackhorse Road, Woking, at around 5pm.
She found herself with no phone signal and, not wanting to leave her vehicle with her daughter sleeping inside, had no choice but to dial 999.
By the time officers arrived, a passer-by with a 4x4 had towed the pair to safety and they were waiting at the roadside for breakdown recovery service to arrive.
READ MORE:Flood alerts across Surrey as New Year rainfall continues
PC Joe McGregor and PC Mark Russell arrived at the scene and gave Emma and Isabelle foil blankets and offered to go to the local shop for provisions.
"The two officers showed us the most amazing kindness," said Emma. "Not only did they ensure we were warm and dry, but they also went to the shop and came back with lots of goodies for me and Isabelle.
"PC Russell went to a local house and got permission to take Isabelle and myself there to heat up her food. They then let us sit in the warmth of the police car until the breakdown recovery service arrived."
'Over and above'
However, when the breakdown service arrived, they were unable to fix the car and Emma was told it would take another hour-and-a-half before a recovery vehicle arrived.
"The officers decided that they couldn't leave me there and towed my car to the safety of a well-lit 24-hour garage forecourt," said Emma.
"When the recovery lorry arrived, PC McGregor even helped load my car onto the lorry.
"By the time they arrived, we were out of the water and in one piece so they could have driven away and left us to wait for the RAC but I genuinely feel both men went over and above anything I would have expected to make sure Isabelle and I were safe and warm and looked after.
"They made a very scary and unpleasant situation for us safe and manageable and I really do thank them both from the bottom of my heart."
Surrey has experienced widespread flooding in recent days after incessant rains in the New Year, which at one stage saw eight flood alerts in place.


text: This Barclay provides all principal essential parts. The essential ceiling support for shower rods are available to ease your installation. It is made from premium materials, this Item offers great function and value for your home. This fixture is part of Barclay's decorative collection, so make sure to check out other styles of fixtures to accessorize your room. Brass construction Ceiling mount installation For use with 1" shower rods Adjustable by cutting ends All lengths are 3/8" OD Includes flange and eyeloop Rod threaded on one end only


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President Donald Trump ramped up his attacks on Georgia's Republican leaders after yet another state audit of the 2020 election failed to find any evidence of his mythical voter fraud claims.
Trump called on Gov. Brian Kemp, a longtime Republican ally, to resign for not backing the president's baseless allegations of fraud after numerous audits and recounts showed that he lost the state.
"@BrianKempGA should resign from office," Trump said on Twitter. "He is an obstructionist who refuses to admit that we won Georgia, BIG!"
Trump lost the state by about 12,000 votes and there has been no evidence of any fraud that could have affected the outcome. Trump is the first Republican to lose the state since 1992.
Trump attacks secretary of state's nonexistent brother:
Trump also criticized fellow Republican Brad Raffensperger, the Georgia secretary of state, and alleged he had a brother who works in China to back his fraud claims. Raffensperger does not have a brother.
"I love the Great State of Georgia, but the people who run it, from the Governor, @BrianKempGA, to the Secretary of State, are a complete disaster and don't have a clue, or worse," Trump wrote. "Nobody can be this stupid."
"Now it turns out that Brad R's brother works for China, and they definitely don't want 'Trump'. So disgusting!" he added.
Raffensperger has repeatedly refuted Trump's false claims amid death threats from the president's supporters. Raffensperger has argued that Trump cost himself the state by depressing his own voter turnout by attacking mail-in voting, which has repeatedly proven to be secure.
Signature audit finds no fraud:
Election investigators and law enforcement agents did not find a single fraudulent ballot in an audit of over 15,000 voter signatures, according to results released Tuesday.
The investigation found that 10 of the roughly 15,000 absentee ballots reviewed were accepted even though voter signatures did not match or were missing. But Georgia Bureau of Investigation investigators contacted the voters and confirmed they were legit.
"No fraudulent absentee ballots were identified during the audit," the report said.
"The secretary of state's office has always been focused on calling balls and strikes in elections, and in this case, three strikes against the voter claims and they're out," Raffensperger said. "This audit disproves the only credible allegations the Trump campaign had against the strength of Georgia's signature match process."


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SoFi Technologies (NASDAQ:SOFI) is a leading online platform that provides a range of financial products and services, such as personal loans, mortgages, student loans, investments, banking and insurance. The company has grown since the Great Recession, which saw many traditional banks retreating from certain financial products, including unsecured personal lending and mortgages. Since then, SoFi has expanded into new markets, including crypto trading, robo-advising and credit cards.
However, SoFi is not the only fintech platform to gain significant market traction. Below are three stocks set to be the next SoFi.
Upstart Holdings (UPST)
Upstart Holdings (NASDAQ:UPST) is a cloud-based artificial intelligence (AI) lending platform that connects consumers with banks and credit unions. The company uses AI to assess the creditworthiness of borrowers based on a plethora of variables, such as education, employment, and income. As of their recent third-quarter results, the company has partnered with over 100 banks and credit unions and has facilitated over $35 billion in loans since its inception.
Unfortunately, a high-interest rate environment has negatively impacted Upstart's ability to originate loans, compressing revenue growth in recent quarters. UPST shares plummeted around 27% after a disappointing Q3 earnings print, but as interest rates have most likely peaked, now may be a good time to allocate to this up-and-coming fintech stock. Upstart's AI-driven product could gain more steam as the economy level sets and recovers in the coming months.
Affirm Holdings (AFRM)
Affirm Holdings (NASDAQ:AFRM) is a fintech company that provides point-of-sale financing solutions for consumers and merchants. In particular, Affirm is a leading provider of buy now, pay later (BNPL) services, allowing consumers to split their purchases into interest-free or low-interest installments. While I have made criticisms of BNPL platforms in the past, their traction amongst consumers is noteworthy. Still, the company's share price has had mixed performance throughout 2023 due to the uncertainty of the high-interest rate environment. The share price had fallen nearly 7% by early May but has since then entered a number of peaks and troughs.
Affirm's management team hinted higher rates could weigh on the company's margins in the near future, spooking a number of investors. However, similar to Upstart, the company could see tremendous growth reinvigorated as real interest rates decline. Investors seem to believe this, as they have been pumping more money into the stock recently.
Marqeta (MQ)
Marqeta (NASDAQ:MQ) is a fintech company that provides a modern card issuing platform, enabling businesses to create customized payment cards for their customers or employees. Marqeta's platform allows users to control every aspect of their card programs, such as spending limits, rewards, fees, fraud prevention, and real-time data. Furthermore, Marqeta supports key digital wallets, including Apple Pay and Google Pay.
The fintech company's future is looking even brighter these days, especially as the global economy avoids a hard-landing recession scenario. In their third-quarter earnings print, total processing volume increased 33% from a year-over-year perspective, indicating the platform has continued to gain users and increase volume. Marqeta also made significant improvements in profitability with adjusted EBITDA up 84% YoY, edging closer to positive territory. The Block (NYSE:SQ) partnership renewal will only help further Marqeta's reach in the wider payments market.
While shares are only up nearly 4% YTD, now may be a good buying opportunity for investors interested in the payments processing solutions market, which is estimated to reach $140 billion in size by 2023.
On the date of publication, Tyrik Torres did not have (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed in this article are those of the writer, subject to the InvestorPlace.com Publishing Guidelines.


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Police have revealed how a man came to suffer 'serious facial injuries' in Crawley town centre earlier this week.
Sussex Police were called to Station Way, near to the County Mall's North car park entrance, at 12.15pm on Wednesday (March 27) and found the man injured .
He was taken to hospital and a cordon was put up on Station Way and Southgate Avenue while detectives gathered evidence.
Police were previously unsure as to how the man came to be injured, but have now come to the conclusion that the injuries were sustained "by a fall following a medical episode".
"Several members of the public came to his aid before emergency services arrived on scene," a spokeswoman for Sussex Police added.
"Witness accounts have been obtained and Sussex Police are now satisfied there is no evidence of an assault or third party involvement.
"The man is receiving ongoing treatment for his injuries and has spoken with detectives. Police will not be making any further enquiries regarding this incident."
The County Mall North car park was closed for the majority of Wednesday due to the incident.
One witness said at the time: "Just driven pass County Mall. Something happened there again!
"Many police cars and ambulances. Area corner off with blue tape - looks very serious!"
An air ambulance was called and landed in Southgate Park, although the victim didn't require air lifting. Air ambulance crew accompanied the man in the ambulance with the South East Coast Ambulance Service (SECAmb) crew.
A SECAmb spokesman said: "We were called in at around 12..10pm and we attended the scene along with police, following reports of a man injured and in need of medical attention.
"Our ambulance crews were joined at the scene by an air ambulance.
"He suffered serious injuries including a head injury and has been treated and since taken into hospital by road with the air ambulance team joining us in our vehicle."
To see how this incident unfolded go to our live blog here .
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Skylar Green
Skylar Green is an American pornstar. She was born Valentine's Day, February 14th, 1993 and is from Oklahoma City, Oklahoma. She has been active since about 2013 or so. She's a very petite girl, barely 5 feet tall, 90 pounds or so, and measures in at 30B-23-32. She has a nice smooth body and a couple of tattoos, including "Eiesland" written in her bikini line area. She does plenty of hardcore, and also have appeared on FTV Girls.
Hot galleries from Skylar Green:
* Playful Skylar Green Gets Seriously Boned- Cute Little Skylar Green Sucks some dick at play ground then flip fucked around * Dad Will Never Find Out- Big breasted Licious Gia shows Skylar Green how to satisfy her man with a tandem blowjob and a mindblowing raunchy fuck * Skylar Green Make A Splash- Blonde coed Skylar Green shows off how she gets herself off with a vibrating toy and squirts her pussy juices everywhere * That Special Time Sexy Blowjob and Fucking- Watch as blonde Skylar Green seduces her man with a wet blowjob and then a stiffie ride in her tight bald pussy * And The Winner Is- A game turns into a raunchy lesbian fuckfest as Skylar Green and Ashlyn Molloy lick and finger each others horny pussies * Hot Blond Diddles Herself- Join beautiful blonde Skylar Green as she uses her magical fingers for a hot wild exploration of her bald juicy pussy * She's So Tiny That Cock is So Big- Tiny Blonde Teen Skylar Green with Huge Black Cock! * Wild Fucking Blondie- Young sweet blonde wants to show us how a cowgirl rides the dick * Tiny Tits Girl Does a Strep Tease and Gets Banged - Blonde babe Skylar Green does a striptease and follows up with a wet blowjob and a stiffie ride in her bald pussy * Skylar Green Sharing Cock With Step Mom- ennifer was finishing up some things around the house and explaining to her step daughter that she was to have no one over while she was gone. Skylar was totally giving her an attitude about it, but Jennifer took off and left her home alone anyway. When she came back to the house, shortly after forgetting something, Jennifer found Skylar spread eagle in her bedroom getting fucked silly. Skylar jumped up terrified and begged Jennifer not to tell her father. Jennifer was totally into what she saw and ordered her to keep sucking her boyfriend's dick as she watched. Skylar hesitated at first, but didn't want to get in trouble, so she went to town on him. Jennifer got turned on and wanted to join in on the fun. You don't want to miss the hot action, as this hot MILF showed her step daughter how to really work the cock. * Busty Mom Fucks Daughers Boyfriend Then shares- Watch momsbangteens scene sexual attraction featuring angel allwood she gets onto it with her daughters boyfriend, and when she catches them, mom shares the cock wealth! * Skyla Green Naked Impression With Angel Allwood- Watch momsbangteens scene naked impression featuring skylar green and angel allwood caught fucking, this scene turns into a hot step mom and step daughter three way fuck scene * Skylar Green Get Banged Hard- Cute Little Skylar Green Sucks some dick at play ground then flip fucked around


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LBASense, the Real-time analytics of visitors, has been deployed to resolve the long recession of the business district in Jinju city. This area has gone through an economic decline and with the breakout of COVID-19, the situation is expected to get worse.
The merchants tend to depend on their experience and business acumen but with the installation of the LBASense Solution, they expect to derive consumer insights and consequently optimise their marketing strategy and promotional offers.
What does the result show?
Overall, the number of visitors in this area is 60% below compared to before the arrival of the COVID-19 pandemic.
The most dramatic drop is recorded on the weekend, 54% and 44% recorded crowd over the normal activity trend. Although the merchants open their business on weekends with the belief that more consumers shop, data prove that the reality is far from their expectation. Likewise, they usually close the business on Monday, which is not a sensible decision from the perspective of data analysis.
LBASense Solution as presented on Local TV
What's different?
We do not miss visitors.
The LBASense solution is able to count the number of unique mobile devices, our solution does not require visitors to take any action in order to be counted, it is sufficient that the phone will be turned on and within the range of our sensors.
We value privacy.
LBASense Sensor collects MAC addresses of the mobile devices, this identifier is converted using a special one-direction 512 bits encryption algorithm into a unique number that can not be associated with the MAC address any more. In this way, no personal information is stored in the system.
We predict the pathway of the visitors.
LBASense provides not only counting but also the prediction and understanding of the pathway of the visitors. Multiple sensors located at the different entrances of the market are able to predict the pathway patterns of the visitor and help businesses to take actions based on this information, for example, where is the optional location to advertise the business.
Interested in knowing more about LBASense Solutions? Contact us.


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Outlaw King Review
Netflix's Outlaw King has Chris Pine bare all in the role of Robert the Bruce, but it can't chase away the ghost of Braveheart.
At a glance, it would be easy to mistake Outlaw King as the anti-Braveheart. Both are about the First War of Scottish Independence, both feature Robert the Bruce as a major character, and both have William Wallace make an appearance—albeit to wildly different effect. Whereas Mel Gibson imagined the kilt-wearing rebel as a "warrior poet," David Mackenzie's Outlaw King depicts him as a desperate, wide-eyed nut literally falling out of trees. As the film surmises about this medieval form of mania, "Wallace is more of an idea than man."
And yet, it is easy to see Outlaw King has much of the same thoughts on its mind too, if only regarding Robert the Bruce as its subject of worship. Aye, the Netflix film which enjoyed the coveted opening night spot at the Toronto International Film Festival begins as mildly deconstructionist of Hollywood visions of Scots in revolt—even with its own Hollywood star in a dashing if underserved Chris Pine—but the movie really only starts landing its blows when, like Gibson before him, Pine is actually delivering said concussive strikes between wrathful speeches and horses on spikes. The result is a film uneven in its sensibilities, but with the kind of grisly gusto that war movie-gorehounds have long been starved of at the multiplex.
Taking place mostly in the interval between Wallace's execution and Braveheart's epilogue, Outlaw King opens with a breathtaking tracking shot on a Steadicam that may in fact be the film's highlight. Disguising a loch-full of exposition and its careful recalibration of Robert's initial surrender to King Edward I (a sublimely Neolithic Stephen Dillane) as prudence, the extended sequence tracks Robert from his bent knee and lowered eye to a muddy, ostensibly friendly duel outside in the dreck with a sniveling Prince of Wales (Billy Howle). It even last so many minutes as to make way for the King to show off his massive catapult, which even after gaining his peace pact he still fires once at the Scottish castle in the distance. They did spend three months building the damn thing.
The film could have used more of such theatrical subversion, particularly during the languid first hour that sets the stage for the actual story: a gruesomely violent Robin Hood-style tale with a Scottish king on the run and, eventually, then the attack. Until that time, the film shifts frequently between the early moments of Robert's rise with the dutiful quality of a higher budgeted historical reenactment, complete with the notable lack of bite. Despite centering on a man who was able to unite the clans to his cause after Wallace's failed insurrection—and who began so by murdering his rival for the throne inside of a church—Outlaw King has a diminutive view of Bruce's ambitions, unafraid to have him dig deep into the mud of Loudoun Hill but still shy about his motivations or ambitions being anything even vaguely medieval.
Hence a lot of scenes of weddings and funerals, knights and oaths, and an intriguing but underdeveloped romance between Robert and his much younger, nigh child bride Elizabeth (Florence Pugh). Embracing the unnatural discomfort of arranged feudal marriages and their age differences, Mackenzie has Pugh resemble more a big sister than stepmother to Robert's young daughter of his first marriage (Rebecca Robin). And Pugh cuts a bold path through the film's boys' club, offering a refreshing counterpoint that also avoids being anachronistic. Yet she is still destined to be kept out of the film's proverbial tree house, spending most of the second half of the film in various states of duress as the Prince of Wales marches on her castle, and Robert takes to the woods and then the sea to survive the bloodshed around the crown he's claimed.
Nevertheless, this is ultimately where the film most succeeds. It is during the war that the picture seethes with a visceral brutality that is more blunt about its disembowelments than the half-dozen or so Ridley Scott pictures that have painterly defined "ancient war epic" in this century, while still avoiding much of the fetishization that Gibson bathed in. Then again that level of savagery in front of the camera not being matched by a fury behind it can often leave its cruelty appearing also crude in a movie that tonally tries to have it both ways.
Much of this boils down to a straightforward and uninquisitive screenplay credited to five writers that wants to follow Robert into battle but not up the hill. This leaves Pine in an awkward position as he goes the full-tilt in the film—including with a brief nude scene that is sure to be a moment destined for movie trivia nights—but finds little in the way of a fighting spirit behind him, at least until its rousing climax.
The film's final moments on the fields of Loudoun Hill, where Robert the Bruce's fighting 500 stand their ground against Britain's 3,000, is as good as almost any medieval slaughter ever put on screen, and for audiences who are restless from a decade of mostly toothless action spectacle that could be enough. However, this Scottish war film is unlikely to compete with Braveheart in anyone's mind, for at its best it is only so much war with rarely any poetry.
Outlaw King was the Toronto International Film Festival opening night film. It will be released on Netflix on Nov. 9.
David Crow is the Film Section Editor at Den of Geek. He's also a member of the Online Film Critics Society. Read more of his work here. You can follow him on Twitter @DCrowsNest.


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Amethyst Crystals
As shown in picture- Includes :
Bag of Real Amethyst Crystals
Used on all of our Chakra Sets
Crystal : Amethyst
Properties: I am the spirit stone. I am an all level healer; mind body and spirit. I enhance your psychic gifts. With me you will gain clarity and a deeper understanding of yourself and the universe. Bringing you divine energy. I also make decision making easier.