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U.S. Leadership TeamMentors International's Leadership Team brings a robust level of knowledge and expertise. Combined they bring over 50 years of experience in leadership, educating, mentoring, management, finance and economics, training and development, marketing and communications to name a few. They are dedicated to our mission of ending poverty in a sustainable way.
Curtis Bennett
President and CEO
Curtis Bennett comes from humble circumstances and knows the power and benefit of a true mentor.
Throughout his career, he has had vast experience in many avenues of for-profit business to non-profit organizations, educational institutions, and international business. He has traveled extensively throughout the world and has personally witnessed the extreme poverty facing many families. Recently, Curtis and his wife Sheri were released after serving a term of service for the Church of Jesus Christ of Latter-day Saints presiding over the Mexico Missionary Training Center, located in Mexico City from January 2017 – January 2019.
Curtis is very appreciative for the mentors and examples who have helped shape his life. He strongly feels like now is the time in his life where it is his turn to pay it forward. He is grateful to serve as the CEO of Mentors International and help empower families to grow in greater self-reliance in all aspects of their lives.
When Curtis is not helping to share and grow the mission of Mentors International, he is found spending his time with his beautiful wife Sheri, his five children, and their 12 grandkids. He also enjoys exploring the great outdoors on his mountain bike.
Chris Dunn
Chief Operating Officer
Chris Dunn currently serves as Chief Operating Officer. Chris has more than 25 years of sales, finance, and general management experience and has held management and executive-level positions in the transportation, education, healthcare, and financial information services industries. He has also held executive-level positions in a number of business start-up ventures and has successfully led several high growth companies to the private equity funding stage.
Chris earned his BA in Economics from the University of Colorado and received an MBA in Finance from Brigham Young University. He currently resides in Utah with his wife and children.
Curtis Beesley
Vice President Business Development
Curtis was born in Utah and grew up in Southern California and has a vast sales and executive management career in the private sector that includes the construction, manufacturing and youth leadership industries. His passion is people and specifically helping others to see their value and full potential to achieve life's highest measures regardless of their surrounding conditions. Striving to do good everyday by living the "Golden Rule" is the innate desire of his heart!
Curtis received his BS in Business Management from BYU with a minor in Spanish.
Curtis enjoys outdoor sports of all kinds and quality time with his wife Stephanie and their 4 kids along with his brand-new grandbaby!
Luis Kemeny
Director of Programs
Luis was born in Brazil from European parents. He has a Business degree from Brigham Young University and a Master's in International Business Administration from Thunderbird Graduate School of Global Management. His professional experiences include worldwide responsibilities for two high-technology companies in Northern California, one as the Director of International Operations for TeleSensory Systems, Inc., (15 years) and the other as the Worldwide Vice President of Sales and Marketing for Elesys, Inc. (16 years). He has traveled to over 45 countries multiple times to identify, appoint and manage distribution channels. Kemeny had been engaged with our organization for over 10 years and has been involved in various aspects of operations. He currently focuses on managing programs and curricula for the Learning and Mentoring Centers. He and his wife live in Kaysville, Utah, have 6 children, and 26 grandchildren.
Justin Mellor
Justin Mellor, CPA, CFE, currently serves as Chief Financial Officer. Justin has more than 15 years of extensive experience in both finance and accounting. He has held management and executive-level positions in healthcare, not-for-profit, and retail. Prior to his current role, he served as the Chief Financial Officer for Lifting Generations and was the Chief Financial Officer for Gold Cross Ambulance.
Justin earned both his BA and Master's degree in Accountancy from Brigham Young University. He currently resides in Utah with his wife and three daughters.
David Stump
Vice President of Finance
David's financial experience has come from serving as Vice President of Finance and Controller for the international headquarters of Children's Miracle Network (17 years). He was part of a leadership team responsible for increasing annual fundraising from $89 million to $240 million during his tenure – over $2 billion in funds raised altogether. His role in the nonprofit industry has allowed him to wear many hats that have contributed to his overall business acumen. David currently serves as Treasurer on the board of the Children's Medical and Research Charities of America. David received his Bachelor of Art degree in Finance from Utah State University. Additionally, he holds a masters degree in Nonprofit Management (MNM) from Regis University, graduating with Honors.
Sarah Barrett
Director of Marketing
Sarah Barrett has worked in the non-profit sector for over 15 years. Previous to her position at Mentors International, she worked for the Utah Safety Council helping to promote their mission of saving lives through education and training. Sarah has a background in marketing, communications, and website design. Sarah enjoys running and experimenting with new recipes. She also likes to hike and explore the National Parks with her husband and three kids. She is thrilled to have the opportunity to work with Mentors International and truly believes this organization is making a difference where we serve.
Melanie Winterton
Office Manager
Melanie Winterton came to Mentors International because of her love for humanitarian aid and serving others. Melanie has worked as an office manager for eight years and truly enjoys the relationships she has built with her co-workers. Melanie enjoys hiking, traveling, spending time with her family and laughing. She feels very blessed to be part of an organization that does much good in alleviating poverty throughout the world.
Epi Reyes
Administrative Assistant
Epi Reyes has 41 years of diversified and experienced as a bilingual Administrative Assistant, Bookkeeper, Translator & Office Manager. She is a very organized, dependable, loyal and hardworking employee. She was born in El Salvador, served a mission in Costa Rica and has lived in the USA for 30 years.
Epi feels fortunate to work at a non-profit organization which makes such a difference in peoples' life. "To be helping the poor and the needy on a daily basis and getting pay for it is more than I can ask". She enjoys the natural beauty, the warm water of a beach, and lying in a hammock drinking a coconut or reading a book.
Wendy Bird
Program Manager, Pearls with Purpose
Wendy Bird is the founder of Pearls with Purpose, a social-impact organization which blends micro-enterprise training with humanitarian assistance. Since 2002, Wendy has inspired and motivated people all over the world by sharing her passion for "teaching women to fish" rather than "giving them a fish." As a certified High Performance Coach, Wendy leads women toward self-sustainment with jewelry-making and micro-enterprise skills along with 12 key traits/disciplines which allow an individual to live sustained levels of energy, connection, joy, purpose, influence and clarity on a more consistent basis with simple system implementation. These women use this empowering knowledge to improve their own lives and that of others. They hand create products which are sold in developed countries and manage their own long term self-reliance, thus breaking the cycle of poverty.
Wendy has received such awards as "Humanitarian of the Year," "Woman Making a Difference," "Best of State" in jewelry production, and has been featured on Good Things Utah and various radio shows. She does keynote speeches throughout America teaching core concepts of social entrepreneurship and life purpose. As a result of her infectious and motivating passion, Wendy has helped bring about change for thousands of people worldwide. She is the mother of 5 children, and Nana to 5 grandchildren. When in country, she resides in Riverton, UT with her husband
David A. Christensen
Senior Advisor
David serves as a senior advisor. He is an entrepreneur, educator, corporate trainer, author, and administrator. He has trained in Fortune 500 companies, hometown start-ups, and non- profit groups. He was on the faculty of BYU-Idaho creating and pioneering a course that has become required at the university. He has resided and administered non-profit programs in Central and South America.
He completed his BS and MS Degrees at Brigham Young University. David counts as his life's most important accomplishment– his relationship with his wife, eight children, and a growing number of grandchildren.
Our International Directors are native to the countries in which they serve. They are deeply committed to their communities and to the people they lead.


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- Dromtarriffe vs Ballydesmond
Dromtarriffe – Ballydesmond Match Prediction | 06-10-2019 10:00
Another Tomas Howard point shortly followed , however David Murphy again rewarded his Banteer team mates for their determind play by raising his second green flag shortly follwed with a Roche point. A delighted Mikie O Gorman accepted the cup on behalf of the Dromtarriffe Hurling squad. In the 6th minute Banteer were awarded awarded another free,which was converted, the next passge of playresultingwith Dromtarriffe downto 14 after a melee of players contestinga ball that wasn't coming out,resulted witha player receiving his second yellow. After the first quarter, there was just three points between the sides two Tomas Howards points , one from a free, followed by a Darren O Connor point, were followed by a Conor Cremin goal, to leave Dromtarriffe well in a commanding position in the 25th minute. An O Keeffe and Conor Cremin combination was finished to the net by O Keeffe in the 10th minute followed by three points one each for the Howard brothers, Sean & Tomas and a second one for Evan Murphy before Banteer through David Murphy reacted first from a batted out ball to goal. A brace of Tomas Howard points eased the Dromtarriffe supporters worries with the final white flag being raised by Banteer from play in the 32nd minute of the second half, to leave the final whistle register Dromtarriffe winning their first league title on the 2-20 to 3-14 scoreline. With nineteen minutes remaining on the clock, Dromtarriffe were going to earn this title if they were to hold out for the victory and ever reliable Tomas kept his sides scores ticking over with a free in the 12th minute keeping Dromtarriffe seven ahead , 2-18 to 3-8. Entering stoppage time points were exchanged between Murphy for Dromtarriffe and Banteers Denis Roche to leave the interval scoreboard read Dromtarriffe 2-15 Banteer 3-6. Banteer were to add a point from play before a number of frees that were correctly awarded were deemed by the match official, as vocal player protests, which warranted these being brought into a more scoreable position, thus resulting in the gap being closed between the 13th and 21st minutes of the second half, to just two points. Dromtarriffe started the second half well with points by Evan and Tomas either side of two Banteer frees but quickly it seemed as though Banteer had forumalated a determind second half fightback plan of action during their half time deliberations, through imposing pressure in ever sector of the pitch. The Duhallow Championship semi final will be the next major challenge for this sqaud. Another historic title was secured by our Junior hurlers last Friday night in Kilbrin when Dromtarriffe defeated Kilbrin by three points on a final scoreline of Dromtarriffe 2-20 Banteer 3-14, after withstanding a second half come back from their opponents before a good attendance. The opening seven minutes registered five points for Dromtarriffe to Banteers three through Evan Murphy, Tomas Howard, Daniel O Keeffe, Jack Murphy and Kevin Cremin, before Banteer took the lead through an 8th minute Denis Roche goal, equalised a minute later from a Howard free. With a solid defense required, Dromtarriffe were well served, in particular by, the ever dependable and hard working Kevin Cremin, along with Michael O Brien and Captain Mikie O Gorman.
In the 12th minute, a well worked team move was finished to the Kanturk net in style by Mark Dennehy. Kanturk quickly responded with four points compared to Dromtarriffe three ( Tomas , David O Connor & Evan Murphy) before on the 25th minute Con O Callaghan goaled to increase the Dromtarriffe lead, which stood at 2-7 to 0-8 As the half drew to a close the final point registered to Dromtarriffe from a Tomas Howard free.
Clonakilty were victorious, due in no small part to the return of Mick Finn to action: the games had gone on so long that hed had time to recover from the broken hand sustained almost two months earlier. The west Cork men won 3-5 to 0-5, a surprisingly wide margin for two teams which couldnt be separated for so long.
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We competed in a number of national competitions which included taking part in Capers for the first time in the history of the club and making it to the National final in Navan in February. In the past year we have also competed in drama, the national talent competition, a number of sports competitions and travelled to Dingle on a club trip.
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Final score Dromtarriffe 2-14 Kanturk 0-18. Kanturk piled on the pressure and were guilty of some score able wides ( much to our relief) , but also Dromtarriffe were also well served by some great defence from our keeper ( Gavin O Keeffe) through the whole team , especially Conor OCallaghan , Brian Herlihy Eanna Murnagh and Shane MCSweeney. Mark Dennehy & Evan Murphy added the final two club points before the final whistle sounded recording the Dromtarriffe win .
Dromtariffe enter this final in the ideal position, carrying a large underdog tag again, but no strangers to that status all season. After running Boherbue so close only to be defeated by a single point in a replay, those performances energised Dromtariffe, their resilience and spirit surfaced to dispose of highly rated Iveleary and Kilmacabea to land a Cork title.
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With the game nip and tuck, goals were always going to be important, credit Newmarket on responding to the concession of the first green flag to square up the game. Crucially for Dromtariffe, they succeeded again on breaking down the opposing rearguard, hesitancy in the Newmarket defence allowed Conor Cremin feed Daniel O'Keeffe to net for a clear seven point advantage at the break.
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We would like to thank everybody in Banteer and the surrounding community who have supported and helped the club over the past year and we look forward to what will hopefully be an even more successful year for the club. We would also like to thank everybody who supported the church gate collection last weekend or came along to join in on the fun at Banteer Show.
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Dromtariffe make no mistake this time
Millstreet answered with a trio of points from Cathal Crowley, Donough Murphy and James Linehan only for back to back points from OKeeffe helped Dromtariffe secure a 1-6 to 0-6 advantage at the break. At times, the howling wind and drizzle made producing quality play difficult yet Dromtariffe looked the better balanced outfit at the outset, the effective Daniel OKeeffe placed Buckley for a cracking goal.

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USA Tree Service Pros is an elite tree service organization with a location within Check, Virginia. We can manage the smallest and the largest of jobs in Check, VA, such as tree trimming along with tree removal. When it comes to completing all of our services throughout Check, none of them would be feasible without our excellent staff and equipment. Whether you just need a tree trimmed up a little in Check or if a storm has blown your tree over and you want to have it taken off, give us a call at 888-202-2007.
Tree trimming is one of our services in Check, VA, and we conduct this kind of tree care several times per day. Due to the fact that our tree trimming services enable trees to continue growing in a healthy and breathtaking manner, customers love it. Having said that, we also provide tree trimming services on an emergency basis where a customer's tree branches are either nearing or touching power lines or hanging over their home's roof. We also offer tree removal in cases where a tree has deceased or has endured significant damage because of a recent thunderstorm. To make things as easy as possible for our clients, we offer tree removal. Whenever we are cutting down a tree in a tree removal, we put a major focus on safety. When the tree has been cut down, we will conduct stump grinding and donate the wood to a center that can reuse it.
When the greater part of you look at even the biggest of trees throughout Check, VA, you view them as being stunning and harmless. Unfortunately, lots of people who are not an arborist do not see the potential danger associated with trees until one has made contact with an electrical line or landed on a roof. Due to the potential danger when performing different types of tree service, our staff has to remain on their toes and rely heavily upon their extensive training. A large part of their training also involves how to use the various types of safety equipment since this makes a significant difference. Of course, our tree service group also uses their decades' worth of experience in the industry to ensure that they keep you as well as themselves as safe as possible on the job.
If you own a tree, chances are that you will find that USA Tree Service Pros is a great resource to become familiar with in the Check, VA tree care sector. In some cases, your needs may be as small as having some tree trimming completed to keep your spouse and neighbors happy, but other instances could revolve around a potential safety concern. Regardless of why you need the assistance of our tree removal company, please do not wait to give us a call at 888-202-2007 to find out how we can help.
Do I Now Have to Employ a Tree Service Company?
Theoretically, nothing would stop you from doing the tree service work by yourself, but you are going to need plenty of tools, a love for heights and not have a fear of getting hurt. The best option is to use a tree service enterprise, such as USA Tree Service Pros.
Indeed, all of the services our tree service enterprise in Check, Virginia offers are priced competitively. Be sure to call our tree service company at 888-202-2007 to receive a hassle-free quote based around your specific needs.
Each and every tree service procedure begins when you contact us and discuss your personalized tree service needs in Check, VA. From there, we will arrange an appointment time for the tree service that suits your agenda.
When we speak about tree trimming, we are working with trimming up branches to help make the tree look as shaped as possible. The tree's growth structure will be established during our tree pruning procedures. Most trees should be pruned while they are young, so they do not begin to mature into awkward shapes.
At some point, trees in Check will either decease or suffer some pretty substantial damage during a storm, which means they have to be removed. During our tree removal procedure, we can also remove the stump and pull the roots out of the ground, which are two procedures most people overlook.
You can think of an arborist as a mechanic for trees since they have experience with using various types of tree service equipment. These men and women know almost everything about each kind of tree. Morley, MI tree trimming is yet another location that we service therefore make certain to check out the other top rated cities.
A bucket truck or ladder will probably be used in nearly every job USA Tree Service Pros performs. Shears and pruners are used during our tree trimming procedures. To be sure the tree is brought down safely and efficiently during tree removal, we will use chainsaws and a number of other tools. A stump grinder will be used when we do stump grinding procedures. You will also observe us using chippers to grind up the pieces of the tree.
Yes, we are licensed in tree trimming, removal as well as stump grinding throughout Check as well as a number of other cities and states.


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There are a lot of fireplace tile ideas that you can use to decorate the hearth in living room or family room. Having a fireplace at home is indeed important, especially when the house is located in the area with relatively colder weather. The fireplace is going to keep the room warm.
Instead of using old-fashioned styled furniture with lots of bricks around it, tiles become more common material to build indoor stove. They are considered as more modern and have the same function as bricks. The best thing about tiles is they have a lot of different designs.
Some of designs on tiles are even resembling or imitating natural stones. That's why the final look of the fireplace can be as stunning as the old-fashioned one. Down below, there are a lot of examples of fireplace tile ideas you can try at home.
Middle Age Fireplace
If you love the middle ages, you will love this style of fireplace. The fireplace uses really rustic-styled tiles in the shape of stacked stones. The structure of the furniture looks completely natural and almost ancient.
As you can see in the picture, the appearance of the hearth is quite bold and noticeable. That is why they are just perfect to be used as the focal point of the room. It will make your guests get impressed with the interior design of your living room for sure.
Herringbone Stone
Herringbone is such a classic pattern to be used on a fireplace. The picture contains a beautiful-looking indoor firebox made out of herringbone-patterned stone tiles. The detailed pattern of the fireplace looks so gorgeous.
In the picture, the living room where the fireplace is placed seems to be a modern one. Considering that the herringbone tile has neutral color and subtle look, the fireplace tile ideas are indeed suitable to be used on contemporary or modern-styled living room.
Tuscan Style
The tiles used in modern fireplace do not have to be in straight square shape. They can imitate real stone to give it more authentic look. Take a look at the picture. It is the best example of Tuscan style furniture with tiles mimicking natural stones.
Tuscan style is emphasizing the usage of natural elements. It is exactly what you can see in the picture above. The fireplace and its surrounding look really rustic and natural. Even the color scheme is neutral and earthy.
Marble Swirl
The easiest way to make your living room instantly looks luxurious is by adding a fireplace made out of marble tiles. Marble is recognized as a very expensive and extravagant material. The picture shows you how amazing fireplace tile ideas with marble swirl surrounding can look.
The all-white indoor firebox looks really simple yet luxurious. The simplicity is shown by the usage of neutral color and the straightforward shape of the box. However, the swirl from the marble surface gives it the most amazing looking pattern.
Rustic Stone
Modern tiles in square shapes can also be arranged into something old-fashioned and rustic. The example is the picture of fireplace above. It shows you modern tiles with natural stone patterns. They are arranged to create a really rustic-looking fireplace.
The fireplace tile ideas are surrounded by pillar-like frame. It adds more beauty to the indoor firebox. It can be placed right in the corner of the living room and becomes a great decorative element that will surely impress everyone.
Fish Scale
Fish scale pattern is unique. They usually have bold and unique colors and they are also completed by a kind of overlapping effect, which is so great to look at. The example of fish scale tiles used for fireplace is in the picture.
The ocean blue color of the tiles look incredibly beautiful, especially when it is paired with the cream-colored walls around it. The top of the furniture is given a large, wooden surface used as a shelf to display some decorative elements.
Stacked Stone
If you love something really old fashioned, you can choose natural stone tiles instead of the porcelain or ceramic one. The fireplace tile ideas in the picture above can be the example of an indoor firebox with stacked stone tiles.
The stones are in the different shades, emphasizing its earthy impression. The structure of the fireplace looks massive as well, making it perfect to be used in large-sized living room that needs a bold focal point.
Contemporarily Patterned
A lot of ceramic tiles are produced with pattern on it. Combining tile by tile can create a huge pattern with beauty and appealing look. Take a look at the fireplace in the picture above. The fireplace is simply made out of patterned tiles.
The black and white pattern looks so contemporary, especially when they are completed by colorful surroundings, such as the abstract wall art right on top of the fireplace tile ideas and the colorful pillows on the couch.
For those who love anything vintage, this fireplace is going to be the best option for them. The hearth in the room is taking vintage style as the principal theme. You can see the old-fashioned style from the selection of smaller-sized tiles in pale green color.
They look like the floor and wall on Victorian mansion, which is very much considered as vintage. The wooden pillars on the right and on the left of the fireplace add even more vintage vibes to the indoor fire box.
Granite Pillars
One of the best benefits of having large living room is that you can have elaborated fireplace. Take a look at the example in the picture. The fireplace tile ideas are made entirely from granite, which is stunning looking and completely durable.
The look of the fireplace is improved by the usage of Roman-styled pillars supporting the area. It does look so beautiful and so great to look at. This type of fireplace is only suitable for larger-size living room because their size can be massive.
Modern and Luxurious
The picture above shows a really modern fireplace in a contemporary living room. The modern area is designed with black stone tiles with smooth surface. It is paired with a glass-walled area for the wood to burn.
The fireplace tile ideas are perfect idea to use when you love the fireplace to be tall, large, and gorgeous. The black color scheme of the furnace can easily be the accent wall effect for the living room. It has the darker color; meanwhile the rest of the wall is painted white.
Victorian Style
The combination between neutral-colored tiles, an old-fashioned burning pit, and a colorful tiled on the left and right has made a really stunning looking fireplace in Victorian style. The Victorian style is emphasizing the usage of old stuff and a bit of modernity in the term of color.
It is such the perfect idea to have when you love your living room to be less boring and ordinary. Take the style into considerations because it is easily applied, even in a simple-designed living room like the one in the picture.
- Faux Wood
Using wood is not recommended anymore today to build the structure of a fireplace. They can easily catch fire and put the entire house in peril. That is why tiles are made as well in wood-like design. The color and grains are all imitating real timber.
They are called the faux wood or the fake wood. They look so amazing when they are successfully put together. Take a look at the picture above. It is the perfect example of how faux wood tiles can be arranged into grand looking fireplace tile ideas.
Glass Mosaic
If you love the small details in mosaic, you will love the fireplace shown in the picture. It is using a great-looking glass mosaic in gray and black color. Surely enough, the overall look of the firebox is really appealing.
The fireplace is surrounded by large frame in white color, thus giving it a nice contrast between the darker color of the mosaic and the lighter color of the frame and surrounding.
When you think the best fireplace is the one with brick wall, go ahead and use tiles which have brick design. They are available practically everywhere and can make a beautiful looking, classic fireplace, just like in the picture.
The look of the fireplace tile ideas is rough, yet really appealing, especially because it is paired with bold wall surrounding. They are perfect to be installed in the vintage or rustic living room.
It is believed that having a fireplace at home is really important, especially when the house is constantly deemed with humid and cold weather. The hearth in living room or any other rooms will make sure the inside of house is nice and warm, even without any electrical warmer.
Those ideas above are just great to consider. Choose any of the styles above that match the theme of your house or the idea in your head about the perfect indoor fireplace. Those fireplace tile ideas are all going to produce a gorgeous-looking indoor furnace for sure.


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Residents and Community,
please see the attached Consolidated Annual Performance Evaluation Report (CAPER) prepared by the Community Development Department. This report outlines the accomplishments in 2019 from the overall uses of the HUD Community Block Grant Funds (CDBG).
If you have any questions or comments regarding the report, please contact Karen Hood in writing at City of East Cleveland Department of Community Development, 143240 Euclid Ave., East Cleveland, Ohio 44112 Room 8; or by email at firstname.lastname@example.com.
2019 Consolidated Annual Performance Evaluation Report (CAPER)


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Social media is one of the world's best – and worst inventions. The barren wasteland of misogynistic, unyielding profanity and utter tyranny that dwells within it makes one wonder whether-or-not this species is salvageable? It's given a voice to everyone out there, even to those that arguably don't deserve. The upshot of this is that in any piece of good news, there will always be someone lurking; waiting to jump in with their say. This is applied to almost every subject across the platform and is especially prevalent in sport.
One particularly notable about some of the comments made on social networking sites is the extreme negativity and hostility demonstrated toward any bit of attempted improvement made by sporting organisers or teams. Formula One is a classic case in point. It seems that no measure of reasoning will get through to people – not even a well-structured, perfectly reasoned article? An argument so often touted is that modern-day Formula One 'sucks' and that the racing of yesteryear was all-the-more better than what today's cast of teams and drivers could ever aspire to achieve. Except, put into a more grotesque context.
Now, are these people correct in what they say? Does modern-day Formula One 'suck'? Well, that depends upon how you look at the sport. Do you look at the cover or do you read the book? In other words, do you just pay attention to the leaders and occasional lull that happens in almost any motor race on the planet or do you actually watch the Grand Prix? Naysayers and bitter folk will forever detest any argument made in favour of racing held in the present day, no matter how good said argument may be. But, for those willing to simmer down and listen to a self-proclaimed Formula One historian, let me give you my two cents on the matter.
A prominent complaint in regards to the driver line-ups this year is the supposedly ever-increasing number of pay drivers – who gained their seat by the strength of their chequebook as opposed to merit garnered in the lower formula. Few folk actually do settle down in the early hours of the morning to catch the live coverage of the support categories, but those that do would be the ones best qualified to give you an answer as to whether or not a driver coming up through the ranks is any good. Take Lance Stroll, for example. By now, Stroll has not got a good reputation behind him. In fact, a lot of people believe he has tarnished both the development and the image of the Williams F1 Team. He has been vilified and hated by 'fans', written off by motoring journalists and treated as 'another driver' by many of the personnel in the paddock. I remain one of the few that see the talent that he invariably possesses, though hasn't fully utilized yet. Watching him ascend through the lower categories of formula racing, it was evident that the young Canadian had something. Money can buy you a seat, but it doesn't buy you multiple karting and formula racing championships.
Something else I would like to point out – why are we getting so offended about pay drivers entering the sport? Formula One was built off the wealth of rich men and playboys, who had the money to throw at the sport irrespective of how much talent they had. The Grand Prix of old had entrants including the Prince of Siam (modern-day Thailand) and Dutch-nobleman, Carel Godin de Beaufort. Drivers would pit under audacious circumstances which saw them have a quick smoke before heading out on track. The 'barriers' at most race tracks were either trees or spectators and the circuits themselves tested the bravery of the drivers. Royalty would descend upon the circuits to gaze upon the peasants that filled the stands and bask in the loud, brutal sport that daring men endeavoured to dedicate their lives to. It had it all, supposedly. Except for one crucial element – the actual racing.
For most people, seeing someone walk off into the distance to win the race is about as entertaining as watching paint dry – or watching NASCAR. But, as of late, this hasn't been much of a factor, with races generally being quite close and going down to the wire even, with a resilient will to win coming to blows with an equally strong will to avoid losing. This was such a rare occurrence back in the so-called 'glory days' that a close finish was when second place finished on the same lap as the leader. Good racing throughout the field was spare, as the performance gap between the cars was far greater than what it is today. We forever complain about the performance gap between the cars being too great when the issue was much more prevalent back in the post-war period. Yet somehow, it was better?
I know a lot of people have turned away from the sport due to the dominance of the Mercedes GP Team. News flash folks – there has always been a dominant force in each era of Formula One. Before Mercedes, there was Red Bull. Before them, it was Ferrari. Then, McLaren. Then, Williams. Then, McLaren, again. Need I go on? When Argentine-veteran Carlos Reutemann could barely keep up with Hector Rebaque thanks to what was an inarguably superior, did you think at that time that Formula One 'sucked'? Or did you enjoy watching that television set broadcasting grainy images of cars on a stretch of bitumen so bumpy and blistered that it aged a driver by three years, each race? Was it as much a spectacle as you made it out to be? Was it as exciting as today's Formula One cars? Or are you perhaps more pre-occupied with 'the sound'?
When the new regulations came into force in 2014, everyone was up in arms as the V8 era (which in itself was not widely loved) was escorted out, giving way to the new V6 twin-turbo power units that we have today. Still to this day, the attitude toward the hybrid-era has been largely negative, to put it mildly. The only issue, as far as I can see, is in regards to 'the noise' – regarding the power unit's to have the sound of 'vacuum cleaners'. Whilst I agree that the tone of the V10 was marvellous, it would burst the eardrums of anyone within the immediate vicinity. Even with earplugs, it would reverberate throughout your entire system – you FELT the noise! But, did that make great racing or just provide a better soundtrack? What do you care about here? The racing or the sound? If you've answered with the latter, you're not answering with the best interests of motor racing at heart. And that's not to claim that you don't care for motor racing, but with the issues surrounding the planet today, irrespective of whether-or-not you'd like to believe them, we can't strand ourselves in yesterday whilst the rest of the world moves on. Formula One was and is about innovation – not living in the past.
With the advent of the internet, you can go back to these races and enjoy whatever era of Formula One you have fond memories of. I grew up watching Michael Schumacher walk away from the field whilst team-mate Barrichello acted as rear-gunner. Looking back on it now, it certainly isn't as exciting as what the last ten years offered us. Sure, 2013 was horrible, but most of the 50s had gaps measured by laps. The 60s had sparse variance in driver-skill level. The 70s was the beginning of a time where teams started to play favourites with drivers, thereby creating the plague known as 'team-orders'. The 80s started to see a surge of technological advances which more-or-less made one team vastly dominate the field. The 90s had much the same issue and the age of the new millennium saw a mainly foregone conclusion with a mercurial Bavarian being handed victory after victory on a silver platter with all the best personnel in the paddock in the red garage. Yet, today's Formula One racing is worse than ever because the noise 'sucks'?
Formula One has always sucked. What's new?
Leave a Reply.
Josh Revell
Josh Revell is a writer and eSports competitor who specialises in motorsport. Under the BOX THIS LAP format, Revell also manages a podcast, with episodes streaming every fortnight. Be sure to check back here for weekly content and follow him on Twitter for his views and opinions on all the happenings in the world of motorsport.
June 2018


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At the start, do not even call it a weight-reduction plan, I surely do not. Why the label? What I do is say that I'm consuming the way in which I'm presupposed to. I'm consuming the way in which my physique was designed to be fed. Your physique developed to the fruits, vegetables, and meats that our ancestors ate to outlive. In my opinion one of the causes for all the center illness and most cancers in America is all those snacks, smooth drinks, and all the pieces else unnatural to the physique. Would I eventually die if I saved consuming cyanide? Of course. Take a look at all these substances on the field of some Twinkies, or perhaps a Nutrigrain bar. Only somebody with a masters diploma can explain to you whats in these products.
This subject might gross some people out, however the real shock is the fact that being massive can complicate even the only things, akin to going to the bathroom. Huge John manufactures outsized toilet seats to accommodate obese prospects. They cater to over seventy two million Americans by providing generously padded seats which are 19 inches broad and a couple of inches taller than the standard seat. They've a weight capacity of 1,200 pounds.
Who does not wish to take pleasure in their life to the fullest?
Enjoying the vacations and don't worry about your weight loss plan. If you're like me your will power breaks down while you odor these vacation cookies or that pumpkin pie. I was doing okay after which my daughter dropped off some Christmas cookies and I ate 4 cookies before my brain lastly kicked in and mentioned STOP!! Do I really feel guilty? Sure slightly. Do I would like another cookie? No, my sweet tooth seems satisfied no less than in the meanwhile.
As a substitute of placing your physique by way of hell in the distant hope of shedding kilos, how about introducing just a few primary wholesome modifications to your consuming habits? Begin with four or 5 simple changes like consuming extra water, eating 5 parts of fruit and vegetables per week, reducing your portion sizes by 20% and walking for around 30 minutes on a daily basis. After you have finished those issues repeatedly for around 30 days, they should turn out to be a permanent habit. That is the perfect alternative to make some extra modifications. In a couple of months your weight loss program and life-style will probably be unrecognisable out of your old dangerous habits.
Is it essential to work such lengthy hours?
It is by no means too late to begin this process. Simply this week, an article appeared within the weekly Parade magazine about Drew Carey who at age 52 changed his lifestyle to lose 77 lbs by maintaining a healthy diet and exercising. He cured his diabetes and now has the energy to maintain up together with his younger little one. However the earlier you start, the earlier your youngster will have the ability to get pleasure from the benefits of a wholesome life-style.
Well being Benefits of WalkingIt is a recognized undeniable fact that lack of regular train may end up in poor health and even untimely death. The stress of the fashionable age has considerably increased unhealthy life and the chance of ill well being. The longer working hours, air pollution, quick meals, easy accessibility to unhealthy habits are all contributors to the increase in mortality charge.
There are easy issues we will do to stay healthy. A healthy way of life is an method to physical, psychological, emotional and spiritual effectively being. It is extremely necessary to deal with your mental health to endure this recession. Undertaking regular train can improve vitality ranges and over all wellbeing whereas reducing the danger of disease.


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RIO DE JANEIRO (Reuters) – Corporate and government accounting will likely reflect environmental profit and loss within a decade, thanks partly to progress made this week at a U.N. conference in Rio de Janeiro, backers of the plan told Reuters on Thursday.
Company accounting and calculations of gross domestic product (GDP) are flawed because they fail to show governments, consumers and managers the true costs of their activities, said Pavan Sukhdev, a board member of U.S. environmental group Conservation International and a former Deutsche Bank AG banker.
The main reason is that accounting practices fail to account for the creation, use and degradation of air, water, trees, and other "natural assets" in the same way they account for factories, credit and other assets, he said.
He estimates that the top 3,000 companies fail to account for $2.1 trillion of charges related to the use or pollution of natural assets – say by releasing carbon dioxide into the air or waste into a river. That figure nearly doubles to $4 trillion, or about 6.7 percent of global GDP, when the world's entire corporate sector is included, he said.
"We cannot continue to do business thinking we are adding value to shareholders while at the same time destroying value for stakeholders," Sukhdev said. "This is bad management."


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Conference and Hollow Square
Appropriate for interactive discussions and note-taking sessions for fewer than 25 people. Many hotels have elegant "boardrooms" for 10 to 20 people, equipped with full audiovisual capabilities, a writing board, cork board and a flip chart.
Schoolroom or Classroom
The most desirable setup for medium to large-size lectures. Requires a relatively large room. Tables provide attendees with space for spreading out materials and taking notes.
Appropriate for large sessions and short lectures that do not require extensive note-taking. This is a convenient setup to use before breaking into discussion or role-playing groups because chairs can be moved.
Stand-up social function where beverages and light foods are served. Foods may be presented on small buffet tables or passed by servers. May precede a meal function.
Generally used for meals and sessions involving small group discussions. A five foot round table seats eight people comfortably. A six foot round table seats 10 people comfortably.
Ovals and Rounds
Generally used for meals and sessions involving small group discussions. A five foot round table seats eight people comfortably. A six foot round table seats 10 people comfortably.
E-shape, U-shape and T-shape
Appropriate for groups of fewer than 40 people. These are best for interaction with a leader seated at the head of the setup. Audiovisual is usually best set up at the open end of the seating.


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News for Employees
Student-Employee of the Year Nominations Open
The Offices of Student Financial Aid and Student Employment are hosting the second annual campus-wide Student-Employee of the Year competition this fall. The top three winners will receive scholarships for the spring 2020 semester, and the first-place winner will go on to compete for the Midwest Regional Student-Employee of the Year. Students must be nominated by their supervisors to be eligible for the award. For details, visit studentjobs.wisc.edu/student-employee-oty. Nominations should be submitted by November 22nd.
November Forums to Update Employees on TTC Project
All UW–Madison employees are invited to attend an informational update on the Title and Total Compensation (TTC) Project. New information will be shared, so those who have attended previous forums are encouraged to participate. The November Forums will provide an update on manager and employee engagement, and introduce the UW job library and new standard job descriptions. There will be time for questions and answers. Five sessions will be held at various campus locations during the week of November 11, and there will be an online forum on Wednesday, Nov. 20. Multilingual sessions will be offered in English, Spanish, Hmong, Tibetan, Mandarin, and Nepali. TTC is a campus-wide initiative to attract, reward and retain university employees by creating a market-informed pay and benefits structure. For specific forum details and to learn more about the TTC Project, visit go.wisc.edu/ttcproject.
New Accident Insurance Plan Offered for 2020
UW-Madison employees who are eligible for State Group Health Insurance can choose to enroll in a new Accident Insurance plan that provides coverage for accidents and catastrophic events. This plan, administered by Securian Financial, helps cover unexpected expenses by providing a lump sum payment for illness or injury due to accident. Examples include fractures, stitches, and hospitalization. The plan also includes identity theft coverage and benefits for accidental death and dismemberment. Coverage is available for employees, spouses and children. Monthly premiums start at $3.26 for an employee only. Eligible employees who wish to enroll in the Accident Insurance plan may do so during the Annual Benefits Enrollment period, which ends on October 25, 2019. For details on this and other benefits options, visit wisconsin.edu/abe.
Register Now for Leadership Conference
Leaders and potential leaders will gather for a full day of professional development and networking at the Leadership and Management Development Conference on Wednesday, Nov. 13, 8:30 a.m.–4:15 p.m. at Union South. Breakout sessions will help participants develop skills in areas such as improving workplace performance, change tolerance, group dynamics, decision-making, influence without authority, and balancing life, family and career. The keynote session by Dr. Amy Climer, "Leading Deliberate Creative Teams," will consider how teams can drive innovation. The conference is open to faculty, staff, and community members. Participants do not need to be in formal leadership positions to benefit from the conference. The $125 fee includes lunch. Register by Friday, Nov. 1 to secure your seat at the conference.
Re-Enroll to Continue Certain Benefits in 2020
The Annual Benefits Enrollment period is currently underway and will end on October 25, 2019. Even if you do not want to make any changes in your benefits elections for 2020, some plans require that you enroll each year to continue your participation. Be sure to enroll if you wish to participate in the Flexible Savings Account (FSA) in 2020, including Health Care FSA, Limited Purpose FSA, and Dependent Day Care FSA. You must enroll in a Health Savings Account (HSA) each year if you choose a High Deductible Health Plan (HDHP). If you wish to decline health insurance, you must opt out every year to participate in the State Group Health Insurance Opt-Out Incentive Plan. Visit www.wisconsin.edu/abe for details, or watch a recorded benefits seminar at benefits.wisc.edu/2020.
Registration for Wellness Symposium Closes Friday
The registration deadline is this Friday, Oct. 11 for the UW–Madison Wellness Symposium on Wednesday, Oct. 23, 8 a.m.–2:30 p.m. at Union South. At this event, employees can explore different aspects of well-being at work, find tools and resources for stress management and resilience, define their wellness goals, and connect with others who are interested in wellness. Free, 30-minute credit report reviews will be available by appointment. Attendees can come and go throughout the day. The $35 registration fee for UW–Madison faculty and staff includes breakout sessions, the keynote presentation, and lunch. For details, visit hr.wisc.edu/wellness-symposium.
Workplace Workouts Offer Lunchtime Fitness
Recreation & Wellbeing (Rec Well) is offering 45-minute lunchtime workout classes to UW–Madison employees. Classes meet once a week for seven weeks at Memorial Union, Union South, and the Space Science and Engineering Center. All fitness levels and abilities are welcome, and you do not need to be a Rec Well member to participate. There is a $35 fee for each class series. Registration is now open for sessions starting at the end of October.
Upcoming Fair Serves Those Involved in Research
The Researcher Regulatory Fair will be held on Tuesday, October 29, 11 a.m.–1:30 p.m. at Union South. The fair will bring together a number of campus departments that help researchers navigate regulatory and compliance issues. Anyone involved in research, including faculty, post-docs, graduate students and administrators, is welcome to attend. Free refreshments will be available, and Bucky Badger is scheduled to appear. Advance registration is not required.
Employee Benefits and Resource Fair Helps You Understand Your Options
The Employee Benefits and Resource Fair will take place on Tuesday, Oct. 8, 9 a.m.–5 p.m. at Union South. All UW–Madison employees are encouraged to attend. You can attend a seminar to learn about your benefits options for 2020 and meet with benefits representatives. Get help enrolling in benefits using Self Service (eBenefits). A variety of campus resources will be featured at the event, and presentations on personal finance and retirement topics will be offered. On-site flu shots will also be available for UW–Madison employees; remember to bring your insurance card. The event is free and on a drop-in basis, so you may come and go throughout the day as your schedule permits. No leave needs to be taken to attend this event.
TTC Project to Host Open Q&A Sessions
The Title and Total Compensation (TTC) Team is holding open question-and-answer sessions at the Employee Benefits and Resource Fair on Tuesday, Oct. 8. TTC representatives will be available in the Marquee Theater on the second floor of Union South from 11 a.m. to noon and 2:15 to 3:15 p.m. Employees are invited to drop in and get answers to their questions regarding the TTC project. TTC is a campus-wide initiative to attract, reward and retain university employees by creating a market-informed pay and benefits structure. To learn more about the TTC project, visit go.wisc.edu/ttcproject.


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text:
Is there a way to (visually in the dashboard) differenciate between a Meraki device that lost comunication to the Meraki Cloud and a Meraki device that completely lost internet connection ?
From the dashboard side, both scenarios are the same.The info you want can only be found on the device's local status page.
Though, as I am seeing now, this info is not available for switches.
>visually in the dashboard
View all community news »


text:
Have you ever visited a website and been greeted by a warning stating that the site is "Not Secure" or something similar? It is definitely off-putting to visitors when this happens. If you are a site owner and notice your site doing this, it is actually pretty easy to fix. All you need to do […]Read More →
Why You Need an SSL Certificate on Your Website
on July 19, 2019in Blog, Securitytags: encryption, Hacking, not secure, Security, ssl certificate
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on May 31, 2019in Blog, Security, Techtags: Security, Upgrade, Windows
The Windows 7 end of life date is quickly approaching. If you're still behind, you should mark your calendar. Microsoft is ending extended support for this popular OS on January 14, 2020. After this date, they will stop patching security holes. Users who do not upgrade will be exposed to an ever increasing number of […]Read More →
Why Labor Unions Need Member Data Systems
on February 3, 2016in Web Developmenttags: AppleTreeUnionMediaWorks, centralized database, Data, database, governement, Labor Unions, Member Data Systems, member experience, Security, user friendly, web/mobile intergration
Many large organizations – specifically labor unions – struggle trying to keep their member data updated and accessible. Without a centralized database, the most up-to-date vital pieces of information often find their way into a collection of personal spreadsheets and sticky notes rather than somewhere useful. But what makes a centralized database somewhere useful in the […]Read More →
Good WordPress Administrator Names
on April 14, 2015in Blog, Security, Web Developmenttags: Administrator, Security, WordPress
Good WordPress Administrator Names WordPress lets you select your administrator name and by default, historically we have seen 'admin' come up as the most often used name. But using 'admin' as your username for WordPress is a potential security breach in the making. When hackers try to brute-force their way into a site, the first […]Read More →
Facebook Password Reset Scam!
on March 31, 2015in Blog, Securitytags: Facebook, facebook password scam, phishing, Security
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on February 18, 2015in Blog, Securitytags: Credit Cards, Fraud, Security
EMV Chip and PIN Credit Cards You may be receiving new credit cards this summer: the chip and PIN credit cards. Credit card terminals must be upgraded to the new technology, common in Europe, by October 1st or will be held liable for Credit Card fraud that happens in their establishment. The EMV chip and […]Read More →
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on February 3, 2015in Securitytags: antivirus, banner ad virus, business locked files, cryptolocker, email virus, Internet Security, locked files, Malware, ransom for files, ransomware, Security
Ransomware Ransomware, often going by the specific name CryptoLocker or Cryptowall, is a form of malware that, when installed on your computer, encrypts your files and locks them with a key. It then demands a ransom in digital currency within a set amount of time, or the key will be deleted and the files will […]Read More →
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on December 30, 2014in Securitytags: Android, Apple, Security, Vulnerability
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Verizon's Cookies and Windows XP Hackers Verizon's 'Perma-Cookie' Is a Privacy-Killing Machine Apparently Verizon tracks your internet use and there is no way to opt out of it. When surfing the internet using Verizon's internet, a string of about 50 characters is added to the end of every URL you go to. Verizon calls this […]Read More →
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One Day Kawaii
A downloadable game
This game is abaut a men who have to go work.
He need to not be distract in thei way to arrive on time and not be fired.
It contains a Survival Mode with inclemental rounds.
In Survival Mode there are 7 guns with animations and sonds.
It contains a minimap and a mao of the city to don't get lost.
One Day Kawaii.zip 98 MB
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Select Guess the Emoji Level
|Guess the Emoji Level 68
|Polar Bear
|Elephant Man
|Super Eight
|Bedtime Stories
|Rat Race
|Linkin Park
|Jet Lag
|Harold and Kumar
|The Smurfs
|City Lights
Welcome to the best Guess the Emoji Cheat site for 2017. Full answers with all emoji images for every single level. Use this cheat to help you complete everything! The best and most complete cheats solutions for Guess the Emoji by Random Logic.


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Treatment of Back Pain Using Transcutaneous Magnetic Stimulation (TCMS)
This is a single-site, randomized, Single-blinded, placebo-controlled, trial of Transcutaneous Magnetic Stimulation (TCMS) for the treatment of lower back pain. TCMS will be applied locally to the back in the location of a patient's pain.
Study Type
- Study Type: Interventional
- Study Design
- Allocation: Randomized
- Intervention Model: Parallel Assignment
- Primary Purpose: Treatment
- Masking: Single (Participant)
- Study Primary Completion Date: June 22, 2017
Detailed Description
Approximately one third of Americans suffer from acute and chronic pain and pain has been called a silent epidemic. Treatment of pain often involves opioid medications with a significant potential for abuse, addiction and adverse reactions such as respiratory depression and death. Magnetic brain stimulation has been used for the treatment of pain. There are reports of its use in phantom-limb pain and in the treatment of central and peripheral pain syndromes.
The study will evaluate whether an experimental medical device (Fischell TCMS Pain Treatment Device) that emits pulses of a brief, intense magnetic field will relieve pain in the lower back. Transcutaneous Magnetic Stimulation (TCMS) is the name of this method of delivering magnetic pulses through the skin. TCMS has been approved by the FDA for peripheral nerve stimulation, treatment of migraine headaches and for depression but this type of device has not been studied scientifically for the treatment of back pain. No significant adverse reactions or side effects have been reported with the use of magnetic stimulation for headache treatment. Some patients who have migraine headaches have excellent pain relief with the magnetic treatment even if they do not get pain relief with medications. Other patients do not have headache relief with magnetic treatment. The current use of TCMS applied to the head requires special equipment and multiple treatment sessions. TCMS applied peripherally is easier to do, and may require fewer treatment sessions to achieve pain relief. Non-invasive treatment of pain would represent a significant advance in the field especially if its use both successfully treated pain and resulted in the reduction or elimination in the need for opioid medications.
The investigators do not know whether magnetic treatment will relieve back pain so the investigators will test this by applying a powerful electromagnet to the area of the back having pain. In some patients, the magnet will be turned on, but in other patients the magnet will not be turned on. Neither patients nor patient's treating doctor will know whether the magnet was turned on or not, although the study team will know which patients received treatment with magnetic pulses. The effect on pain will be recorded periodically for 2 days. If the patients' reported pain is reduced by having the magnet turned on compared to patients' who do not have the magnet turned on, then the magnet may have reduced the pain. Additional studies in patients will be needed to be sure that the magnet therapy is reducing low back pain.
- Device: Fischell Transcutaneous Magnetic Stimulation Pain Treatment Device
- Transcutaneous Magnetic Stimulation
- Device: Placebo
- The placebo Transcutaneous device
Arms, Groups and Cohorts
- Experimental: Transcutaneous Magnetic Stimulation
- Transcutaneous Magnetic Stimulation
- Placebo Comparator: Sham Device
- Sham Device
Clinical Trial Outcome Measures
Primary Measures
- Immediate pain relief (Numeric Pain Scale (NPRS)
- Time Frame: 60 minutes
- Immediate pain relief measured by Numeric Pain Scale (NPRS)
Secondary Measures
- Durable pain measured by Numeric Pain Scale (NPRS)
- Time Frame: 30 days
- Durable pain relief
Participating in This Clinical Trial
Inclusion Criteria
1. Adult, age >18 years of age
2. Prescription pharmacologic treatment is insufficient for treatment of pain
3. Pain duration of ≥ 6 months
4. Pain limits physical activity
5. Pain occurs daily
6. Chronic low back pain, with or without leg pain, associated with MRI or other imaging study consistent with lumbo-sacral spine disease with or without nerve compression
7. Pain intensity ≥ 5 at the time of enrollment a a self-reported pain score of ≥ 4 over the 7 preceding days.
Exclusion Criteria
1. Life expectancy ≤ 6 months for any reason
2. Oral opiate dosing or type of opioid that has changed in past 12 months
3. Received intraspinal (e.g., epidural, intrathecal) medication in the past 6 months
4. Use of intravenous pain medication in the past 6 months
5. Active use of a transcutaneous electrical nerve stimulator (TENS) [within 30 days]
6. History of seizures
7. History of implanted medical device, cardiac pacemaker or implantable cardiac defibrillator, or other implant (Cochlear etc)
8. History of cardiac dysrhythmias
9. Member of vulnerable population
10. Current or potential legal action of disability claim related to back pain
11. Body Mass Index (BMI) >35
12. Another pain condition that might confound results, including back pain above the waistline
13. Women of child-bearing potential
14. Inability to undergo study assessments or complete questionnaires independently
15. Metal objects in the body (i.e. Aneurysm clip, bullet fragment)
16. Active psychological co-morbidites (i.e. uncontrolled schizophrenia)
Gender Eligibility: All
Minimum Age: 18 Years
Maximum Age: N/A
Are Healthy Volunteers Accepted: No
Investigator Details
- Lead Sponsor
- University of Maryland, Baltimore
- Provider of Information About this Clinical Study
- Principal Investigator: Peter Rock, Professor of Anesthesiology – University of Maryland, Baltimore
- Overall Official(s)
- Peter Rock, MD, Principal Investigator, University of Maryland, Baltimore
Clinical trials entries are delivered from the US National Institutes of Health and are not reviewed separately by this site. Please see the identifier information above for retrieving further details from the government database.


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Archive for the 'Self Service' Category
A perfect example of customer loyalty | WordPress outage
A key driver of customer loyalty is customer service, especially in the handling of crises and problems. But there are other aspects.
WordPress for those that are not familiar, is a blogging platform. This blog is running on WordPress. Yesterday, late afternoon, WordPress was down for 110 minutes. On the face of it this would be a crisis. For example when gmail goes down, even for 2 minutes, everyone panics, predicts the end cloud computing, reflects on how this proves you cannot trust Google etc. etc.
When wordpress goes down, here is the result.
Jean-Luc Crucifix
February 19th, 2010 at 12:03 am
Thanks for this very quick update! We appreciate it!
- Olivia Tejeda
February 19th, 2010 at 12:04 am
Honestly, I was horrified when I heard WordPress was down, but you did a great job of keeping us informed and getting back to business. Thanks so much for that!
- Avraham
February 19th, 2010 at 12:04 am
Thanks for all your hard work!
- jamesb101
February 19th, 2010 at 12:05 am
Thanks for the info…..
I love you guys…..You're doing a great Job….
After I did a level 2 diagnostic check (A la Star Trek ) I knew it was the system and I just left things alone…
Keep up the good work!
- Ruslan Trad
February 19th, 2010 at 12:06 am
We understand!:)
We love you, thank you, we understand?? There are 203 comments and they are 100% in the same vein. There is not one comment suggesting they will leave WP, or even anything remotely negative.
On twitter these were the initial reactions.
And this was wordpress response at the time – note Matt Mullenweg is the CEO.
I have seen similar occurrences when something has gone wrong at WP and the result is always the same.
A few things stand out about wordpress.
- They are both personal and personable. Users feel they are dealing with people. First names are always used.
- Matt the CEO is personally engaged and it shows.
- There are frequent enhancements to the service that are promoted on my dashboard, and discussed on their blog and forum. They are always communicating to their users.
- Users care about WordPress, appreciate the service, and feel engaged with it. so when it breaks they feel part of the problem, as opposed to Google users who have no idea who is on the other side of the wall at gmail. There is no personality in the case of Google.
Relevance to Bankwatch:
In my little case study of one, me, WordPress and gmail are my two most commonly used apps. They are both technically sound, equally reliable and invaluable to me. Yet I have more perceived confidence in wordpress than gmail, this despite the fact that logically I know that gmail has never missed a beat since inception in 2004, and I have complete confidence my mail will always be there, despite occasional hiccups.
I believe one difference must lie in personality, and knowing who I am dealing with. I always have more confidence in the bank where I know the people than in a monolithic organisation such as a typical discount brokerage firm where there is little human contact. Incidentally I also recognize the distinction between the immediacy of the tools which will also influence how users interpret downtime.
The challenge then, relative to the organisational personality aspect is to create that human contact and create it in a way that is genuine, and that will scale, without having to maintain a 1,000 unit branch network for example. The traditionalists always say that bank branches drive loyalty and new accounts. Is it the physical locations or is it the personality that located in those locations? How do we scale personality and personal contact. Before everyone jumps on it this is more than a twitter solution. My impression of twitter is that it is actually becoming highly impersonal with RT being the predominant twitter activity.
No, the challenge for banks and other organizations to develop a genuine and trusted personality online will be multi faceted yet essential in order to succeed and produce economic scale.
How much about the approach to Branchless Banking is driven by incorrect assumptions?
Johan picked up on my post about mobile loans, but interestingly pointed to an Economist article in November entitled A bank in every pocket?
Mobiles bankieren in die EU. « – was einer so denkt –
Bis jetzt hatte ich gedacht, dass das eine afrikanische Tradition wäre. Ich finde das ganz spannend.
Until now, I had thought that this would be an African tradition. I find this very exciting.
I have covered the African mobile phone market, and this article builds on what is happening there.
These "branchless" schemes typically allow customers to deposit and
withdraw cash through a mobile operator's airtime-resale agents, and
send money to other people via text messages that can be exchanged for
cash by visiting an agent. Workers can then be paid by phone;
taxi-drivers and delivery-drivers can accept payments without carrying
cash around; money can be easily sent to friends and family. A popular
use is to deposit money before making a long journey and then withdraw
it at the other end, which is safer than carrying lots of cash.
Lots going on, BUT what really struck me was this sentence.
There is no need to set up a national network of branches or cash
So, what are we saying here. The unbanked, those "poor" folks who for whatever reason have no access to 'real' banking services are in fact getting true Direct Banking!!! [emphasis and sarcasm thrown in for free]
In North America, we are insulated from true creativity in financial services, partly by how Banks' think, but probably even more by what consumers expect. When you live in the middle of an incredibly poor area with nominal resources, such as Africa, it seems you can get accept total creativity in Direct Banking/ Branchless Banking, that would not work in North America. Or would it?
How much about the approach to Branchless Banking is driven by incorrect assumptions? Maybe, just maybe, our approach to creative solutions is limited by the current environment. If we approached Direct Banking as Africa has done, and assumed no current resources, what kind of solution might we be able to develop that might address the business case challenges.
A new use of the Wesabe API makes switching banks easier
Marc at Wesabe writes about two companies, and their use of the new Wesabe API. I wanted to focus on one of them with a Banking context – BankSwitcher.
Wheaties for Your Wallet » Blog Archive » LessAccounting, BankSwitcher, and the Wesabe API
BankSwitcher is a service to help people switch their accounts from one bank to another. They just launched their site yesterday, with Wesabe API support baked in from the start. They use your Wesabe transaction data to identify automatic payments and deposits you have set up at your old bank, and to create a "Switching Checklist" that helps you make sure you get everything switched to the new account with no fuss.
… …
The BankSwitcher CEO posted about their launch, and their use of the Wesabe API, in Wesabe Groups.
Such a simple concept, yet powerful, and disruptive to Banks. This changes paradigms.
This from the CEO of BankSwitcher contained in the Wesabe forum.
Hi, I'm the CEO of Facilitas, a financial services technology start-up
based in NYC. We've just launched BankSwitcher, the first-ever
Web-based tool to make it easier for consumers to switch banks.
BankSwitcher instantly identifies all the forms and instructions a user
needs to switch banks and generates a personalized Switching Checklist
that can be downloaded, printed and saved.
The Bank of the Future | some thoughts on the world of cross-channel sales and marketing
Just prior to the recent NetFinance conference I was lucky enough to be asked by Dan at eStara to answer a few questions, which were posted on their blog. Its been a couple of weeks now, and thought I would place them here too.
Meantime please check out eStara and their blog. They do a good job at covering many aspects of multichannel development, and not getting caught up in promoting their own products, which incidentally are good, as I can attest from personal experience.
Anyhow here is the email interview we did, and I relate this to my earlier post on Bank of the Future.
This week, hundreds of financial services executives from all over the world will gather in Phoenix for the 6th Annual Net.Finance Conference to discuss issues pertaining to the marketing and sale of financial products and services. One of the speakers at this year's event will be Colin Henderson of The Bank Watch blog. Colin, who was formerly director of channel optimization at Bank of Montreal, will be presenting at this year's conference on Web 2.0, and how banks can incorporate new media and technology to enhance their customer interactions. Recently, we asked Colin a few questions about what banks will be like in the future:
eStara: In your blog, The Bank Watch, you state that the channel efforts of banks ought to be focused on Internet, and then levered across other channels. Explain why you feel this way, and how banks are handling this transition to the Web lifestyle?
CH: This is way to start thinking about things differently, to catch up with customers, yet still maintain old loyalties. Listen, I know that Banking is all about risk aversion. Its about keeping multiple stakeholders happy, both inside and outside the Bank. Generational change is not new, but the rapid rise of internet, means this generational shift that we are going through is new. Telephones took 38 years to reach 10 million mass market customers, cable TV 25 years … www took less than 5. When we overlay that pace of change with GenX/Y/M folks you have an instantly trained generation. That's a first. Their expectations are not like previous generations (including me). So we have to learn from them, listen to them and be ready for them. By 2011, the net generation will comprise 50% of the working population – that's only 2 years away in planning/implementation, and execution time.
So, back to the question … by building for internet now, and adapting as required for others, we are aligning the organization for customer expectations.
eStara: How do you feel banks are integrating the online customer experience with their call centers and branches?
CH: With Call centres, I think pretty well. Most are still wrestling with organisation, do you put email people with telephone people, with click to talk people etc, but that's a healthy discussion. Branches are different .. they are generally still in 1985. Part of this is regulation, and concerns for privacy and confidentiality. The irony is that customers and branch staff are corresponding about banking using email, whether its allowed by Bank rules or not.
eStara: From a customer service and support perspective, how do you think the banks of the future will meet the needs of consumers?
CH: I will take that as 'should' meet the needs, because frankly some will and some won't and will suffer accordingly. Broadly, banks' will do a better job at being there all the time, as required for their customers. I recall once, an old visionary Banker talking about the ideal future Bank. He said its like a genie in a bottle, your own personal genie. Banking is boring and being in the bottle most of the time is just fine. But at that moment, in a shop, purchasing online, after a phone call – whatever the catalyst, if you need your Bank, you need them right now. It goes from not even on your mind, to instant need. So the good banks will be there, via wireless, online, phone to a certain extent, to provide an answer. Some say this is too expensive, but to me that's an execution issue.
eStara: You've worked in banking in the U.K., Canada and the U.S. Are there any unique challenges in each country? What are some of the shared challenges?
CH: North America is very conservative, conventional. I attended a conference in Geneva in February, and I have to say the interest level in new ways of doing things, including particularly financial services is very high. Its a space I am watching closely.
As a final note, I wanted to mention Web 2.0 and blogs, and before everyone's eyes glaze over – there are new opportunities there now for Banks to experiment, at low cost, with alternative methods of engaging customers, and consumers. The immediate reaction is often, "It's too high risk and what about our brand image?"
But that train has left the station … people are already talking about your Bank online. If you do a Google blog search on your Bank, its remarkable … I did one just as I was typing this, and took something at random, on page 10 of the search. It was 'Dave' writing about the families of deceased soldiers in Afghanistan losing life insurance, because a war clause invalidated mortgage insurance:
Here is a snippet (Feb 2007):
…she was initially told she would likely not be able to collect on her mortgage insurance because of a war exclusion clause.
She pursued the issue with officials at the Bank XYZ, who issued the policy near her home at New Brunswick's Canadian Forces Base Gagetown, and was told they'd look into it.
While awaiting an answer, Customer, who has two children under the age of 15, was forced to continue paying her mortgage. Four months later, she says the bank revealed it had no such exclusion clause and would begin payments.
My point is not the specifics here, horrific as they are. The point is that these discussions are occurring online. There were three comments on that blog post, but none from the Bank in question … what a fantastic opportunity, to right a wrong … missed, gone forever. That customer could have been the most loyal customer advocate for that Bank…now how many people will she tell the opposite? Meantime the customer communications group believe that the televised story earlier that week, is over, and phew!, we managed our way through that will minimal press
Source: Thought Leader Q&A: Colin Henderson, The Bank Watch, on The Bank of the Future – Multichannel Musings – Insight into the world of cross-channel sales and marketing
Financial Services Customer Care Centres lag other industries
In a rather damning report (dated Dec 2005) on financial services efforts, their Customer Care Centres are seen to be lagging almost all, along every axis, with the exception of Insurance, government, and Telcoms – three hardly known as exemplars. I would suggest that this is partly because they have not made the leap from Call Centre to Customer Care Centre, the second have cross channel implications.
I see this tying into the need to develop proper benefit from CRM within Banks. The report does note that Banks' have been investing heavily, so benefits should be expected.
Despite comprising nearly 23 percent of the U.S. CCC market, behind only telecommunications and technology (25 percent) and retail and manufacturing (27 percent), the efficiency and effectiveness performance of financial services firms' CCCs has lagged that of most other industries.
Source: Integrating sales with service in financial services customer care centers pdf
Elements of expected investment are:
- Multi channel integration: expected to account for 28% of that investment. Purpose is to integrate enterprise resources across channels, using a mix of technology and people-oriented solutions.
- Efficiency: various activities depicted in this diagram:
- Cost reduction: There is much focus on cost reduction activities including:
- Migrating customers to lower-cost channels
- Improving workforce deployment and agent productivity
- Outsourcing CCC operations
Raise revenue: This component has less meat in the report
- Providing training tools and incentives that encourage
and enable agents to cross- and up-sell
- Segmenting customers and developing targeted
sales efforts
- Integrating product and channel strategies to
optimize sales.
Customer retention (loyalty):
- Integrating channels to provide optimal, consistent
- Sharing customer data across channels and LOBs
- Tailoring services to customer needs and preferences
Contact flow management: standardized processes, workflow and business rules cross the enterprise and across channels
- Identify and segment incoming calls – Using interactive voice response (IVR) in combination with customer data to determine customer needs, existing relationships, past interactions and recent transactions across all channels. In addition, by using customer lifetime value or tiered customer ratings (such as gold, silver and platinum), banks can also tee up segment aligned products and services that provide special
price considerations
- Direct calls to appropriate levels of service – Using skills-based routing and an agent proficiency matrix to route transactions to the agent who is best equipped to complete the call successfully on the first attempt
- Increase levels of self-service, where appropriate –
Directing customers to lower-cost channels, including IVR and the Web. However, this strategy must be well thought out since a poorly designed self-service offering risks increasing the number of online calls exponentially, to the detriment of the initial objective
Achieving optimal customer profitability: Optimal customer profitability requires identifying and targeting customer needs with tailored customer service and product offers, including the following actions:
- Route customer calls to appropriate channel or media –
Identifying and segmenting customers by needs and preferences, based on data from all interactions and
- Build cross-selling and up-selling capabilities – Enabling
agents to identify opportunities and close sales
- Make outbound customer acquisition and retention
calls – Targeting desirable existing and new customers
in target segments.
Its quote a sweeping paper, and worth the read for technology strategists, as well as business leaders trying to understand the leverage points of technology versus process, and when you need both for best impact.
Finally this diagram trying to pull together some of the activities.
NatWest – Mobile Phone Top-up Demonstration at the ATM
Courtesy of Improving new account opening, this demo of ATM functionality. Now this is a good use of flash, and the way the demo is done where you actually click the buttons as if you were at the ATM is brilliant.
Link to NatWest – Mobile Phone Top-up Demonstration
tags: flash+demo
WaMu Shifts Strategic Focus to the Internet From Branches
Now here is a headline I have been waiting to read. Quietly online account acquisition has been gaining momentum amongst the big banks, supplemented by high interest rates on such accounts.tags: online+acquisition
Washington Mutual Inc. plans to rely more on the Internet to attract new customers. The Seattle-based bank is adding more than 700 new checking accounts a day, CEO Kerry Killinger says. Driving customers to cyberspace to open and manage accounts cuts back on the need to open more stores — something Wamu has been doing with singular ferocity over the last several years.
Source: BankNet 360 – TOP STORY: WaMu Shifts Strategic Focus to the Internet From Branches