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BENGALURU, Karnataka — At 3:45 am on 10 August, five days after the Indian government cut all phone lines and blacked out the internet in Jammu & Kashmir, Molvi Abdul Hai left his house in Srinagar without informing his wife, son or daughter-in-law. Something had been troubling the 83-year-old former teacher for a while and so he decided to act.
In his hurry to slip out of his home, he packed haphazardly and even wore mismatched footwear. A student drove him past a couple of checkpoints manned by sleepy uniformed personnel to the airport, where he boarded an Indigo flight non-stop to Bangalore. He had forgotten to lock his bag and when he eventually opened it, many of his possessions, including his medicines, were missing.
On the flight Hai met a woman with an infant who was returning home because her mother had just died.
"She was coming to pay her respects and didn't know if her mother had been buried yet," he said.
The moment he landed in Kempegowda International Airport, he switched on his phone and made a call. "I'm at the Bangalore airport," he told his shocked granddaughter Daniya, who answered with the question: "Where are you?"
Daniya, who is 22 years old, was in class at a Bengaluru college and blinked when her phone flashed the familiar Kashmir number. Like thousands of other Kashmiris working or studying across India, she had had no contact with her family back home since the lockdown.
August 10, the day Hai landed in Bengaluru, was Daniya's mother's birthday and she had written a poem on Facebook about how her mother seemed so far away. Just the day before, her class had started learning about Kashmir as part of a course on geopolitics, and her fellow students were reluctant to even accept the legitimacy of the historical documents the teacher showed them.
Article 370 of the Indian constitution granted Kashmir "special status", and was a pre-condition for the state joining the Indian union. On August 5 2019, the Indian government had nullified this provision, bifurcated Jammu and Kashmir into two union territories, and put the local population under military siege.
Now her maternal grandfather had slipped past the security cordons in Srinagar and flown almost the entire length of the country to come to spend Eid with her in Bengaluru.
Daniya says her Nana never says no.
"He always says go experience it," she said.
When Daniya wanted a tattoo and her mother said no citing Islam, she asked her Nana what he thought.
"He doesn't impose religion, he always uses logic," she said.
Hai asked her, "Do you pray five times? Do you fast? Do you give zakat?"
When she answered no to all those must-dos, he said then why all the fuss about a tattoo.
"I knew she must have been worrying if we were okay, if her parents were alive," Hai said, of his granddaughter. "What would she do on Eid alone?"
He had wanted her to come home for the festival but when the situation in Kashmir deteriorated suddenly, the family realised she wouldn't make it.
So he decided to deliver the news that they were okay in person.
"I knew she was sad. I thought two sad people…" his voice trails away.
The Bangalore taxi driver who ferried him to the city saw a gullible target in the shaky senior citizen with the walking stick who was travelling alone and overcharged him.
"I'm 83, I've never seen people so fearful and terrified," he recalled over a cup of sweet, milky tea and apple pie. He held his walking stick in his left hand even while sitting and jabbed the table for emphasis with his right hand. He suffered a hairline fracture of his spine when he slipped during the Kashmir floods of 2014 and he still needs to rest his back regularly.
"The doctor has asked me to sit like this," he said, leaning back and demonstrating the position that puts the least stress on his back.
"I have seen Hari Singh's reign. I have seen 1947, 1965 and 1972. I came by foot from Anantnag to Srinagar when Sheikh Abdullah was arrested in 1953," Hai said. "But I have never seen any happiness or peace in Kashmir in all these years."
The worry is clearly etched on his face. Hai said that though people are critical of former Prime Minister Bakshi Ghulam Mohammad from 1953 to 1964, things eased off a bit in the years when he was in charge of the administration. "I've never seen so much fear in any previous curfew. Nobody knows what's going to happen next. There are so many problems that I have even forgotten myself."
Hai's father was a teacher too. He couldn't afford the 7 rupees a month fee that was required to hire a teacher for his son and so he taught him himself at home. Hai would go on to get a triple PhD and start his own educational institute after years of working at The National Council of Educational Research and Training (NCERT) in Delhi and being a professor.
He sounds anguished and exasperated when he talks about Kashmir today. "Everything we use in Kashmir is sourced from India. We don't have any industries of our own. Even Nun Chai comes from Bengal. The clothes we wear are Indian. Which idiots say we are not Indians?"
"We are just not recognised as Indians," Daniya said.
Hai said the government's decision to strike down Article 370, which had governed the state of Jammu & Kashmir for so many decades, is purely a political play. "The government had no other pressing matters in any other state to start its five-year term? What about all the floods that are plaguing parts of India now? Why don't they focus on such things?"
Like most Kashmiris, Hai is only too familiar with loss. "He had three sons and a daughter," said Daniya. "Now he has one son and a daughter."
Hai's son Rizwan will be familiar to anyone who has read Agha Shahid Ali's searing collection of poems The Country Without a Post Office. In I See Kashmir from New Delhi at Midnight the poet writes:
'Rizwan it's you, Rizwan it's you,' I cry out as he steps closer, the sleeves of his phiran torn…Don't tell my father I have died, he says…"
Hai was like a son to the poet's father, renowned educationist Agha Ashraf Ali, and the two families are still very close. After Rizwan was murdered, Shahid Ali stopped coming to Kashmir.
"I have passed my childhood in temples and mosques but now I see humanity is the biggest religion. We have to work with each other, be there for each other, understand each other's pain," Hai said sadly.
For today though, he's glad he will be spending Eid with his granddaughter.
Priya Ramani is a Bengaluru-based writer and columnist.


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The adidas Group is a global leader in the sporting goods industry, offering a broad portfolio of footwear, apparel and hardware for sport and lifestyle around the core brands adidas, Reebok, TaylorMade and Reebok-CCM Hockey. Headquartered in Herzogenaurach, Germany, the Group employs more than 55,000 people across the globe and generated sales of around € 17 billion in 2015.
The adidas Sustainability report introduces the Group's new roadmap towards 2020, 'Sport needs a space', and details how the new Sustainability Strategy has come to life. A direct outcome of the company's business strategy 'Creating the new', the strategy translates the company's overall sustainable efforts into tangible goals and measurable objectives until 2020.
Highlights from the 2010 - 2015 cycle include:
The adidas Group suppliers' social & environmental performance as tracked through KPIs has seen a significant improvement.
The SMS Worker Hotline, launched at the end of 2012, was expanded to a total of fifty-eight factories across Indonesia, Cambodia and Vietnam, covering roughly 263,000 factory workers.
Since 2010, employee volunteering hours achieved a total of 150,000.
Better Cotton has increasingly been sourced, with the company now sourcing 43% of all its cotton as Better Cotton.
The company is well on track to source 100% of cotton across all product categories in all its brands as "sustainable cotton".
The increasing use of virtual samples allowed the Group to save 2.4 million physical samples between 2011 and 2015.
While initially aiming to certify five of the company's sites globally, the adidas Group now has 13 sites with ISO 14001 certification.
Important partners the company has started to work with in the period of 2010-2015 are: Sustainable Apparel Coalition (SAC); Zero Discharge of Hazardous Chemicals (ZDHC); bluesign® technologies; Parley for the Oceans.
Additional information about the Sustainability Strategy is available on the adidas Group website.
please consider the environment... only print this page if you really need to (
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subset: commoncrawl


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Private landlords with properties on the exemption register with an Energy Performance Certificate (EPC) rating of F or G will now have to show that the costs to bring the property up to an E rating would be greater than £3,500 (including VAT) after new rules were introduced.
Under the Energy Act 2011, the government pledged to avoid any 'upfront costs' for landlords, but this principle was disregarded by setting the cap at £3,500 in November last year.
The key changes came into effect on 1 April.
The existing MEES requirements mean that landlords with properties which require an EPC cannot start new tenancies in England and Wales in properties with a rating lower than E.
From April 2020, all existing tenancies which require an EPC will need to have a minimum E rating.
The government's ambition is to bring all property up to a Band C by 2030.
David Cox, chief executive, ARLA Propertymark, previously described the new cap as "bad news for the private rented sector".
He commented: "Over the last few years, the financial burdens faced by landlords have increased time after time, which is pushing rent costs up and driving buy-to-let investors out of the market."
ARLA Propertymark wants the government to show its support for landlords by reintroducing the Landlords' Energy Saving Allowance (LESA) and extending it to include anything contained within the 'recommendations report' of an EPC.


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Robots.txt is a file that's only purpose is to communicate with web crawlers and robots. It tells these bots and crawlers which areas on your site to scan, and which to ignore.
If your file isn't setup correctly, you may be blocking necessary components of the ad tech from properly crawling your site, and this can severely impact performance.
We are checking to see 3 main things
1. Is there a robots.txt? Can we get to it? Are they blocking "the world" (example below)?
404 status code = GOOD (means your site is up, just doesn't have this file and doesn't explicitly tell anyone not to crawl it)
500 status code = BAD (your site could be down so skip it and don't crawl anything)
2. and 3. Are they blocking Grapeshot or Google Adsense ?
"Grapeshot assists advertisers to contextually place adverts on pages, to do this it is necessary to examine, or crawl, the page to determine which category, or categories, it best matches."
**BAD (They are blocking google grapeshot)**
User-agent: grapeshot
Disallow: /
**BAD (they are blocking the world)**
User-agent: *
Disallow: /
**BAD (They are blocking google adsense)**
User-agent: Mediapartners-Google
Disallow: /
Please update the file via FTP, or contact your managed host or technical support for assistance.
Yay! You are all set!


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The Original Motion Picture Soundtrack of Sex And The City Movie is composed by Aaron Zigman. Here is track listing of all songs from Sex And The City film –
1. Labels or love by Fergie
2. The heart of the matter by India Arie
3. Click flash by Ciara
4. All dressed up in love by Jennifer Hudson
5. All this beauty by The Weepies
6. How can you men a broken heart by Al Green
7. Love will keep us together by Captain and Tennille
8. How deep is your love by The Bird and The Bee
9. New york girls by Morningwood
10. The Trolley song by Judy Garland
11. It is amazing by Jem
12. Real girl by Mutya Buena
13. Walk this way by Run D.M.C. and Aerosmith
14. Chick flash by Ciara
The Original Motion Picture Soundtrack CD (OST) of Sex And The City is now available on Amazon and iTunes.


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Boomerang Meet and Greet Gatwick
Why Book Gatwick Boomerang Meet and Greet
Boomerang Gatwick is now part of Meteor Parking who have been providing car parking at Gatwick for over 25 years. Boomerang Meet and Greet is great value valet parking from an established company. Your cars will be parked in a secure compound less than 2 miles from the airport. What could be easier than driving straight to the departures at either North or South terminal, leave your car with a Boomerang Parking representative and just head in to Check in! Perfect for those travelling with a family or lots of luggage as you don't even need to catch a bus transfer.
Compare Gatwick parking prices with 35 other car parks and pre-book your parking at the cheapest rate. Not only will you guarantee your space, essential in the height of summer, but it will also save you money, up to 60 per cent!
Arrival Procedures
You will need to call Boomerang Parking on the phone number provided in your confirmation email 15 minutes before arriving at Gatwick, ideally just as you get on to the M23 from the M25. Then follow the directions below. You will be met by a fully insured driver from Boomerang Parking, easy to spot as they will be wearing black Meteor Uniforms.
Departure Procedures
On your return call Boomerang Meet and Greet on the phone number provided in your confirmation email from the baggage hall to alert the driver of your arrival. Then exit the terminal building and make your way to the pre arranged collection point, where you car and their driver will be waiting for collection.
Directions to Gatwick Airport | North and South Terminal
Gatwick Airport, South Terminal, West Sussex, RH6 0NP.
Gatwick Airport, North Terminal, West Sussex, RH6 0PJ.
The GPS Coordinates are 51.14806, -0.19028.
From the M23 - Leave the motorway at Junction 9 for Gatwick Airport.
For South Terminal - At the first roundabout turn left if you are departing from South terminal. After entering the 30mph speed limit zone, follow the signs for "Passenger Drop Off". Drive under the terminal, go through both sets of traffic lights. Use both the right and left hand bays.
For North terminal - At first roundabout continue straight across and then follow signs at next roundabout for Sofitel Hotel, since all Gatwick North terminal Meet and Greet pick-ups and drop-offs now occur in Northway Road, which is located in front of the Sofitel hotel which is the same road as the Short Stay car park. Customers should follow the new signs to the Valet Parking drop-off and-pick up points.
Security at Boomerang Meet and Greet Gatwick
Your car will be parked in a secure car park close to the airport, in fact just 1.5 miles away. It is manned 24 hours a day and is protected by a security barrier, security lighting, CCTV, full security fencing and frequent security patrols.
- Manned 24 hours with regular security patrols
- Full CCTV covering the entire compound
- Security barrier for restricted access
- Full perimeter fencing surrounding entire compound
On Airport Parking
- Long Stay North (NCP Flightpath)
- Long Stay Plus South (Park Plus)
- Long Stay South (Parking Express)
- Short Stay North
- Short Stay South
- Summer Special North
- Summer Special South
Off Airport Parking
- Airparks Gatwick
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- Holiday Parking North Terminal
- Tudor Rose Parking
Meet and Greet Parking
- AAP Meet and Greet
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- Boomerang Meet and Greet
- Cophall Farm Meet and Greet
- Diamond Meet and Greet
- Eco Parking Meet and Greet
- EPG Meet and Greet Parking
- Executive Parking
- Help Me Park Meet and Greet
- I Love Meet and Greet
- Maple Manor Meet and Greet
- Meteor Meet and Greet
- Official Valet Parking
- Premier Meet and Greet
- RS09 Meet and Greet
- Skyone Meet and Greet
- Skyparking Meet and Greet
- Star Parking Meet and Greet
- Tailored Parking Services
- Tudor Rose Valet Parking


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Krystal Cancun Timeshare owners headed to Cancun this fall can share in the festivities of Viva Mexico en Cancun. Throughout the month of September there will be many fun activities to participate in or simply watch the dancers, street performers and entertainers pass by. While many people have a limited …Read More »
Krystal Cancun Timeshare Recommends Unique Tours to Summer Guests
Travelers who are coming to visit Cancun this summer can enjoy Krystal Cancun Timeshare's recommendation for one of the most unique tours in the destination. Krystal Cancun Timeshare knows that many travelers choose their summer vacations based on how many activities are available to them in their chosen destination. The …Read More »
Krystal Cancun Timeshare Reveals Ideal Attractions for Summer Cancun Visitors
This summer guests can appreciate time spent in Cancun by indulging in summer attractions that have been recommended by Krystal Cancun Timeshare. Each year, hundreds of travelers come to Cancun to enjoy some of the world's best entertainment. There are plenty of readily available entertainment, and as well as tours …Read More »
Krystal Cancun Timeshare Explores Top Cancun Attractions
One of the hottest summer spots is Cancun, and Krystal Cancun Timeshare is truly the best way to find all of the must-do attractions. Whether it's relaxing on the beautiful Mexican beaches, taking in the fantastic historical sites, or just doing some shopping, Cancun has something for everyone to enjoy. …Read More »


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Back to all reports
3 bags of rubbish dumped by lamppost outside 36 Montagu Sqaure
Reported in the Flytipping category anonymously at 16:32, Friday 17 January 2020 using FixMyStreet Pro
Sent to Westminster City Council 3 minutes later
Three weeks in a row someone dumps their household rubbish bags after the collection time and it sits there for days ! It is by the lamp post outside 36 Montagu Square under a no fly tipping sign !
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First Signs of Labor: How to Know When Baby is Coming
Article at a Glance
- The first signs of labor are well before delivery. Within a month of your due date, you may feel baby change positions to get ready for birth or experience Braxton Hicks contractions. Your cervix also will dilate and you may pass your "bloody show."
- When labor actually starts, you'll feel more intense contractions and your water will break. Sometimes, Braxton Hicks contractions will continue as a false labor. True labor pains travel from the back to the front of your body, and the contractions are more painful.
- These signs of labor approaching may also appear if you're experiencing preterm labor. Seek medical attention immediately, particularly if you are at 36 weeks or less.
Last updated January 3, 2019.
Maybe you think that your experiencing the first signs of labor now or you're just excited to find out what you should be looking for when the time comes. Finding out that you're experiencing the first signs that your baby is coming is exciting and those signs can start showing much early than you might have expected. What are the first signs of labor?
- The First Signs of Labor Happen Way Before Delivery
- Signs of Labor Approaching
- False Labor (Not First Signs of Labor)
- What if My Baby is Coming Early?
- Signs Baby is Coming are Different for Everyone
The First Signs of Labor Happen Way Before Delivery
We picture the fist signs of labor happening hours before your baby is coming but the process happens much earlier than that. Actually, your body starts preparing it's first signs of labor weeks in advance. As early as a month before you actually go into labor, you might feel a "lightening" of your belly as the baby flips around to get in position for birth. Another first sign of labor is it may be easier to catch your breath, since that relieves some of the pressure on your ribcage.
Weeks before you go into proper labor, you may start to notice Braxton Hicks contractions. These are sort of practice contractions and not a first sign of labor; they actually start within the first couple of months of your pregnancy but you won't be able to feel them until you're closer to your due date. Also, some women don't experience Braxton Hicks contractions at all. If you do get them, Braxton Hicks contractions are typically irregular and not painful, although they may be uncomfortable. Real contractions when you start experiencing your first signs of labor will get steadily longer and closer together, while Braxton Hicks contractions will come in and out.
As you get close to your delivery day, your cervix will start to show it's first signs of labor by "ripening" in preparation. That means it will start to thin out and perhaps even dilate a bit. If it dilates enough, you may pass your mucus plug (also called your "bloody show"). That's the lump of thick mucus that has blocked off your cervical passage through your pregnancy; it may come out all at once or in piece over several days. Sometimes it's tinged with blood, hence the "bloody show" nickname. This is normally a large indication that you are experiencing your first signs of labor.
Signs of Labor Approaching
So, your body will start to prepare it's first signs of labor way before it actually happens. Of course, that's not telling you anything new — you already have a rough idea of when you'll deliver. So how do you know it's the real deal?
First Signs of Labor #1: Contractions
You may have been feeling Braxton Hicks contractions for a month or more, but you'll know the difference when real labor contractions kick in. Braxton Hicks contractions aren't necessarily pleasant, but they're also generally not painful. Real contractions (the most painful first signs of labor) are much more intense. They'll also get steadily stronger, longer, and more frequent.
First Signs of Labor #2: Your Water Breaks
One of the most unmistakable first signs of labor is your water breaking. The amniotic sac that surrounds the baby will break in preparation for delivery and that fluid will flow out through your vagina. For some women it's a small trickle, but for others it's more of a flood. You'll probably already be having contractions by the time your water breaks, or they'll start soon afterward. In any event, you should contact your doctor or midwife to let them know your water has broken. If you don't start true labor within 12-24 hours, they may need to induce your labor to reduce the risk of infection.
First Signs of Labor #3: Losing Your Mucus Plug
Another clear first signs of labor is losing your mucus plug. This will also help you determine if the baby is coming or your experiencing Braxton Hix contractions.
False Labor (Not First Signs of Labor)
With Braxton Hicks contractions and other changes to your body, how can you tell the difference between the first signs of labor and false labor? These are a few things to look for:
- Regularity: Braxton Hicks contractions may get strong and even painful and may occur every 10-20 minutes, but they won't progress. True contractions will get closer together and more intense.
- Pain: True labor pains often travel from the back to the front of your body. False alarms are often concentrated at the front.
- Bloody show: If you pass your mucus plug, you're probably approaching true labor.
See also: Epidurals for Delivery: Pros and Cons
What if My Baby is Coming Early?
These first signs will also appear if you're entering labor preterm. If you think you may be going into labor early, it's best to call your doctor or midwife immediately. This is especially crucial before 37 weeks; premature babies are at risk for a variety of health problems and there may be steps your medical care team can take to help delay your delivery.
If your water breaks, if you have pelvic pain, or if you notice unusual vaginal discharge, you should seek immediate medical attention. Pay attention to any vaginal discharge; your medical care providers will need to know if it's bloody (which could indicate internal bleeding) or greenish or brownish (which could indicate meconium release due to fetal distress).
Signs Baby is Coming are Different for Everyone
At the end of the day, it's always better to call your doctor or midwife if you're unsure about whether you're in labor. Every pregnancy is different and the first signs of labor will be different for everyone. Your doctor or midwife will be familiar with your unique pregnancy and will be be able to help guide you through false alarms and identify the real deal.
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Depth at outside linebacker Acho's agency
Biyombo's role is not simply to play defense . It's the same. It was Cheap Jerseys Wholesale a no-brainer for Cespedes to opt out of the final two years of his contract order to test free http://www.eaglesofficialsshop.com/Rasul_Douglas_Jersey_Cheap agency, but the Mets made it a top priority to keep him around. It's a lot harder to make ordinary pitcher into a strikeout pitcher than it is to make a strikeout pitcher into a decent everyday pitcher, Judge said. That's correct. He has been on the disabled list since 21 with left hip inflammation. Phil Kessel, who didn't make the American team the World Cup, is part of Burnside's team. didn't have his best game on England, going 27 of 42 for 284 Cheap Jerseys Wholesale Cheap Jerseys Elite yards and a touchdown with interception and nearly a crucial fumble overtime. It would be interesting to the can of worms that would be opened up if you were to expose football to Africa.
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Mangano, in State of County speech, announces plans to build practice facility for Islanders
Nassau County Executive Edward Mangano announced plans in last night's State of the County address to build a new practice facility and corporate offices for the New York Islanders at Cantiague Park in Hicksville -- even as the team moves to Brooklyn next season.
Mangano said the project will "cement the Islanders in Nassau and provide hope that we will witness their full-time return" after the Nassau Coliseum undergoes a privately funded renovation beginning this summer.
The Islanders signed a 25-year contract in 2012 to play at the Barclays Center beginning in the 2015-16 season.
The Islanders' corporate office is now in the Coliseum, which will close for 18 months during the renovations. The team practices at Islanders Iceworks in Syosset but county officials said the site is outdated.
Mangano said the projects would be at no cost to taxpayers but he declined to discuss the financial details after his speech.
A contract would be submitted to the Republican-controlled county legislature.
Mangano said the new facilities and renovated arena "provide hope for Islanders fans" that they could return because developer Bruce Ratner both owns the Barclays Center and is spending $229 million to renovate the Uniondale arena, adding a sports-and-entertainment complex to the site.
"The decision-makers are involved in both facilities," Mangano said.
Islanders officials did not return calls for comment and a Barclays Center spokesman declined to comment.
Ratner and his staff will control all programming decisions at the renovated Coliseum.
Mangano's speech Wednesday night, at the Twin Rinks Ice Center at Eisenhower Park, is his sixth since he was first elected in 2009. The Republican re-elected in 2013 announced plans Tuesday to sell five acres of land on the southwest portion of the Coliseum property to Memorial Sloan Kettering Cancer Center to build a $140 million, privately funded outpatient treatment and research facility.
His speech did not mention controversial recent efforts to raise county revenue, including the scuttled school zone speed camera program, a proposed electronic gaming parlor or a plan to erect billboards along the Long Island Expressway.
In his response, Minority Leader Kevan Abrahams (D-Freeport) called the cameras and casino "gimmicks that erode the quality of life in Nassau."
In his speech, Mangano said crime is down 25 percent in Nassau since he took office. Those figures do not include the Village of Hempstead, where there were 11 homicides last year.Mangano cited police efforts to curtail the sale of heroin and prescription narcotics, gun buyback programs and a new focus on predictive law enforcement, by sending cops to targeted areas where certain crimes are more likely to occur.
Among those in attendance at the speech were the family of NYPD officers Rafael Ramos and Wenjian Liu, the two men shot dead in December in their patrol car by an ex-con who then killed himself shortly afterward.
To keep young people in Nassau, 3,500 new apartments have opened or are under construction throughout the county, including more than 1,000 units converted from vacant office space near Long Island Rail Road stations, Mangano said.
"Our housing initiative not only assists young families, it revitalizes downtowns by eliminating community blight and increasing economic activity," he said.
Mangano also focused on his environmental record, including the county's contract with New Jersey-based United Water to manage Nassau's sewage treatment system and the state's recent commitment of $150 million for a nitrogen removal system at the Bay Park sewage treatment plant.
Mangano said he continues to work with state and federal officials to secure an additional $550 million to build an outfall pipe that would extend into the Atlantic Ocean, instead of nitrogen-choked Reynolds Channel.
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by David Middleton, October 4, 2018 in WUWT
95% of the model runs predicted more warming than the RSS data since 1988… And this is the Mears-ized RSS data, the one in which the measurements were influenced to obtain key information (erase the pause and more closely match the surface data).
Their "small discrepancy" would be abject failure in the oil & gas industry.
The observed warming has been less than that expected in a strong mitigation scenario (RCP4.5).
Output of 38 RCP4.5 models vs observations. The graph is originally from Carbon Brief. I updated it with HadCRUT4, shifted to 1970-2000 baseline, to demonstrate the post-El Niño divergence.


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The majestic lions of Tanzania by Ashley Morgan
Wildlife photographer Ashley Morgan captured these amazing images of the kings of the jungle in the Serengeti and Ngorongoro National Parks, Tanzania. Living in scrub, grasslands and open woodlands, Tanzania's lion population is by far the largest in Africa. Ashley's lion photos feature in robertharding's exclusive Sirius collection.
See more stock photos of lions


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Monthly Archives: February 2019
Ballast Point Ventures Announces Exit from MolecularMD
Tampa, FL – February 21, 2019
Ballast Point Ventures II, LP and Ballast Point Ventures I, LP ("BPV") are pleased to announce that they have successfully exited their growth equity investments in MolecularMD, a molecular diagnostics company founded in West Palm Beach, FL. MolecularMD was acquired by ICON plc (NASDAQ: ILCR), a global provider of outsourced development services to the pharmaceutical, biotechnology and medical device industries.
Founded in 2006 by Dr. Brian Druker and Sheridan Snyder, MolecularMD developed a core competency in streamlining the development, regulatory approval, and clinical development deployment of precision oncology medicines for well-established, long-term biopharma clients. Drew Graham and Matt Rice, Partners with BPV, served on MolecularMD's board of directors prior to the acquisition.
Dan Snyder, the Company's CEO since 2014, remarked, "Our team has worked tirelessly to provide our clients with an exceptional, full-service diagnostics offering aimed at accelerating the approval of cancer drugs and therapies. Ballast Point Ventures has been a great partner and tremendous resource for us in driving growth in our business. We have relished the leadership, guidance, and expertise that Drew and Matt have provided, and we appreciate the support that the entire BPV team has provided MolecularMD throughout our multi-year partnership." He continued, "ICON plc has a very complementary strategy to our focus at MolecularMD, and we are excited to become part of the ICON team."
Drew Graham, a Partner with BPV who served as Chairman of MolecularMD, said, "We are proud of our partnership with MolecularMD and the Company's growth from a small business in West Palm Beach to a highly regarded player in the molecular diagnostics industry with a blue chip client base around the world. Dan Snyder and his talented team built a great company, and I have no doubt they will help ICON achieve even greater success."
Please see here for full press release.
About Ballast Point Ventures
Ballast Point Ventures, headquartered in Tampa, Florida, is a later-stage venture capital and growth equity fund founded in 2002 to provide expansion capital for rapidly growing, privately owned companies, with a particular emphasis on companies located in Florida, the Southeast and Texas. The BPV partners have more than 80 years of combined experience investing in and building high-growth companies in several industries, including healthcare, software, technology-enabled business services and consumer. BPV has $360 million under management across three funds and seeks to make initial equity investments ranging in size from $4 million to $10 million. For more information, visit www.ballastpointventures.com.
Amped up: PowerChord delivers hit after hit for clients
Source: Business Observer FL
By: Brian Hartz
Tucker says hiring employees who want to stay and grow with the company is a priority. That's one reason why PowerChord has been diligent about implementing a unique organizational culture that involves staff from all departments in high-level decisions.
"I want to hire people who are smarter than me," Tucker says. "What I've found is that great ideas, whether related to products or strategy or anything else, don't always come from your top dozen executives. They come from people who are out there facing the customer, who understand the customer and deal with them
Proving the theory, Tucker involved some 30 employees outside PowerChord's C-suite in the firm's 2019 strategic planning sessions. That means hundreds of ideas can be brought forward. Then, through a distillation process, the sessions will produce a few key companywide strategic initiatives, as well as department-level goals ripe for execution.
Tucker, in the process, balances pushing staff with realistic expectations. "We've got to challenge employees, but we've also got to guide them," he says. "As employees grow and mature, and as the company grows, you can start taking on more things and still not have plates hit the floor."
Employee empowerment is also a major part of PowerChord's culture. Company policy allows for a generous amount of paid time off, for one, and managers are instructed to be tolerant of mistakes. "You have to be able to accept good news and bad news equally quick," he says. "I'm a huge believer in that because if you're not out there trying, you can say, 'Well, I've never had a failure.' But if you say that, you've never pushed yourself and you've never really tried."
(This story has been updated to clarify that PowerChord does not offer unlimited paid time off to employees.)
Ballast Point Ventures Announces Majority Recapitalization of YPrime
Tampa, FL – February 7, 2019
Ballast Point Ventures II, LP ("BPV") is pleased to announce that Flexpoint Ford has led a majority recapitalization of BPV portfolio company YPrime, a global leader in cloud-based eClinical solutions. Ballast Point Ventures II has retained a substantial minority stake in the Company, and BPV Partner Matt Rice will continue to serve on the Board. BPV II originally invested in YPrime in 2013 to help the Company grow its sales and marketing teams and further enhance its technology platform with additional product offerings. BPV's investment facilitated the Company becoming a premier provider of electronic Clinical Outcomes Assessments (eCOA), a large and rapidly growing segment within the eClinical landscape.
"When we decided to raise our first round of outside growth capital in 2013, we knew the Ballast Point Ventures team was aligned with our vision for YPrime and would be a great partner as we scaled the business," said Shawn Blackburn, co-founder and CEO of YPrime. "We are grateful for the leadership and guidance that Matt and the team at BPV have provided over the years, and we are excited to continue our partnership with BPV as YPrime expands. The new investment from Flexpoint Ford will allow us to accelerate our growth of technology solutions across global clinical trial operations and will provide us with additional strategic resources and capabilities to support our continued rapid growth."
Matt Rice, Partner at BPV, remarked, "At YPrime, we saw the opportunity to partner with a tenacious and innovative management team operating in a large, rapidly growing industry undergoing fundamental change. Shawn and the YPrime team made the right investments in both people and technology and have positioned the Company as a leader in the eCOA market. We are proud to support YPrime in this next chapter, and we look forward to the Company's continued success during our partnership with Flexpoint Ford."
About YPrime
Founded in 2006 by Shawn Blackburn and Jaime Cook, YPrime provides innovative software solutions and consulting services to pharmaceutical, biotechnology and life sciences sponsors, clinical research organizations, research sites and patient users to enable efficient and collaborative clinical trial data collection and information management. Data services tools eliminate data silos and help sponsors bring together fragmented clinical research data into contextual and actionable information. For more information, please visit www.yprime.com.
About Ballast Point Ventures
Ballast Point Ventures, headquartered in Tampa, Florida, is a later-stage venture capital and growth equity fund founded in 2002 to provide expansion capital for rapidly growing, privately owned companies, with a particular emphasis on companies located in Florida, the Southeast and Texas. The BPV partners have more than 80 years of combined experience investing in and building high-growth companies in several industries, including healthcare, software, technology-enabled business services and consumer. BPV has $360 million under management across three funds and seeks to make initial equity investments ranging in size from $4 million to $10 million. For more information, please visit www.ballastpointventures.com.
About Flexpoint Ford
Flexpoint Ford is a private equity investment firm that has raised more than $2.3 billion in capital and specializes in privately negotiated investments in the healthcare and financial services industries. Since the firm's formation in 2005, Flexpoint Ford has completed investments in more than 30 companies across a broad range of investment sizes, structures and asset classes. Flexpoint Ford is headquartered in Chicago, Illinois. For more information about Flexpoint Ford, please visit www.flexpointford.com.
Jeff Vinik's deep dive on stocks, startups and 'Florida man'
Source: St. Pete Catalyst
By: Margie Manning
Drew Graham (left), managing partner, Ballast Point Ventures, interviewed Jeff Vinik at the Florida Venture Capital Conference. (Photo credit: Stuart Rudolph, ScaleUp Executives)
Jeff Vinik opened up about getting back into money management, his investment philosophy and the infamous "Florida man" during a candid interview at the Florida Venture Forum's Venture Capital Conference.
It was the first public interview Vinik has done since announcing earlier this month he would relaunch Vinik Asset Management, a fund he ran between 1996 and 2013.
Vinik, who owns the Tampa Bay Lightning and is partnering with Cascade Investment on the $3 billion Water Street Tampa development, became a well-known name in the investment community when he managed the Fidelity Magellan Fund in the mid-1990s. Vinik — who described himself as "relentless"— said he still spends five or six hours a day reading Wall Street reports.
"I love it so much I can't stop doing it," Vinik told Drew Graham, managing partner of Ballast Point Ventures, during the interview. "I don't put many trades in, but I follow companies. Today is the busiest day of earnings season. There will be 300 companies that will report earnings today and from my analysts I'll get Wall Street research on every one of them. I'll spend 10 seconds on some, two minutes on others, looking for ideas.
"I've been doing that for the last two years and I thought, as long as I was doing all this work I might as well get paid for it."
The market has shifted from active money management to passive management and computerized trading strategies. Vinik said he sees opportunity in active management.
"The story that I'm telling is that active has underperformed for so long and competition has decreased, that we are now finally at the time for active to outperform passive and I'm going to be taking advantage of that. I don't really believe that," he said. "I actually think passive will still outperform. I think the human emotions of greed and fear are every bit as strong as they were 20 or 30 years ago. I see hedge fund managers making the same mistakes, buying high and selling low … but reading so many hours a day like I do and having people feed me information, like a point guard in basketball, and being such a generalist, I think I can make it work for me, but I've got to prove it."
He described his investment philosophy for public companies as simple — buy good companies with good earnings and good management. He's industry agnostic but singled out Software-as-a-Service as a hot sector right now.
Vinik also has been active in private company investing, including putting money into local startups such as digital health firm Peerfit and educational technology company Knack. He's also backing Embarc Collective, a downtown Tampa hub that will bring together entrepreneurs, venture capitalists and other funders, and academic resources in one space.
"We want to make it as easy as possible for entrepreneurs to get to the next level. Many won't but some will," Vinik said.
Vinik – who has called on everyone in the area to be an evangelist for Tampa Bay — said he was speaking to a group of high school students a few years ago and was surprised by how many of them said they wanted to leave Tampa after graduation.
"That was like a light bulb going on. How do we keep talent here and attract talent, which I believe we can. It's education, it's getting this entrepreneurial movement. It will build on itself as we go along. It's still early, but we do have momentum."
Florida traditionally has been better known for tourism and for "Florida man," a Twitter handle and a euphemism for weird news that comes out of the state.
"There's an Arkansas man. There's a Texas man. But it's the Florida man that's getting published every day … We've got to do a better job of getting the word out," Vinik said. "I moved from Boston and it's fantastic here … People don't know what they're missing."
He predicted growth in Florida's business community and the venture industry would outpace tourism over the next 20 years.
He touched on a couple of other topics in response to audience questions.
Sports. "If sports were a stock, it wouldn't be the first stock I would buy." That's because young people spend less time playing and watching sports than they used to, as the internet has captured more of their interest. He has an investment in an e-sports company, Team Liquid, and said he's bullish on that investment.
Attracting entrepreneurs to the area. It's key to build critical mass, Vinik said, so that someone moving here from out of town knows there's a fallback to go to if their venture fails. "The type of people we attract are early adopters," Vinik said. "Tampa Bay is not Miami, which has blossomed and exploded. I'd like to think we have that ahead of us. People who are the early adopters come in and want to be part of that movement, as do I."


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Day Trips: Bandera
The Silver Spur Dance Hall ruins are a reminder of the golden age of country music
By Gerald McLeod, Fri., Sept. 1, 2017
The Silver Spur Dance Hall ruins watch over the Medina River Valley at Bandera like the ancient stone walls of a medieval castle. Rather than a fortress, this sentinel is the remains of a legendary cathedral of country music. A young Willie Nelson played the concrete stage in Ray Price's band and then returned to headline. A constellation of stars – Patsy Cline, George Jones, Eddy Arnold, Loretta Lynn, and many others – filled the Hill Country nights with music.
The solid limestone walls of the two-story main building with arched entryways and a turret-like entrance were built in the Twenties. The business saw moderate success as a supper club. When the weekend dances became more popular than food, the large patio with the spectacular view was covered for an all-weather dance floor.
Through the Forties and Fifties, the Silver Spur was a favorite stop on the club circuit through South Texas. The crowds were enthusiastic, and the kitchen provided a hot meal. Ernest Tubb called it one of his favorite places to play.
Paradise came crashing down late one night in the early Sixties. The building was fully engulfed by the time the fire department made the trek up the steep hill on the edge of town. The owners were up in years and never rebuilt the dance hall. In 1976, Nita and Bill Jenkins cleaned up the ruins and restored four rock cabins on the property. Nita operated the bed & breakfast until her death in 2014.
The Silver Spur Cabins are still for rent through www.backroadstexas.net/silverspur.htm or at 830/688-1383. The two main cabins have a porch view of Bandera and the surrounding valley.
1,362nd in a series. Follow "Day Trips & Beyond," a weekly travel blog, at austinchronicle.com/daily/travel.


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Mild temperatures are now in the rear view mirror! A strong cold front will deliver much colder air for the rest of the week. A strong cold front will spark showers and isolated thunderstorms tonight and overnight Winds will stay rather strong and may gust close to 50 mph with isolated t'storms. Temperatures will fall into the lower 40s.
TIMELINE: Rain & cold across central Indiana
Posted: 6:33 PM, Dec 04, 2017
Updated: 2017-12-04 22:58:46-05


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I'm not going to be attending my 35th college reunion.
Category: Lonely
Standing Apart from the Crowd
I've been observing crowds all my life. I've seen them get sad, anxious, giddy, angry, reactive, and just plain stupid. People who were generally thoughtful as individuals could lose their ability to think for themselves when influenced by a crowd.
No one has challenged me to fisticuffs, pistols, or dueling Bibles. However, they really don't know what to say when I tell them I'm an atheist.
Can't We Still Be Friends?
I was hoping I could have my own thoughts, express my views, and even debate them strenuously, yet stay friends. Is that possible? I still love these people and would never reject them. In fact, I'm still here for them.
Angry Outcasts
Parents, your children are more important than your religion.
I Was Lonely
In my journals which I've written all my adult life, one of the things I said repeatedly since the beginning that that I was lonely. If I was once your minister, please don't feel guilty. You didn't know and you didn't cause this. I'm telling it now because I hurt people when I left the … Continue reading I Was Lonely


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Now that I am married, what next? I often ask what next in anything. What next after I wake up, what next after school, after work, after anything at all. We are all in a hurry, we want to get a job, get married, have kids, own a business and so on. If nothing is going... Continue Reading →
Biafra Must Not Be Born From War
No one who has been a victim of war, either by death or starvation wants a repeat of it. It is always beyond words to explain what war does and only a sadist will be much happier to see it happen over and over, even if it is for the fun of it. Those... Continue Reading →
The Spirit Of Football
A group of men can gather for anything and an argument would break out. It may be peaceful sometimes but just as when in the house, they want to be in control, they also feel the need to be ahead within themselves when they are together except of cause, when they gather for this. From... Continue Reading →
We Aren't As Different We Think
People trust their smart phones, more than the person he sees; he has begun a war which ever has been but is now no more a hidden tale of his human rights. He has inevitably perceived that his own kind is his worst enemy and he is suffering from post traumatic stress. The perceptions today... Continue Reading →
Who Was Margaret Thatcher?
Margaret Hilda Thatcher, Baroness Thatcher, 13 October 1925 – 8 April 2013) was a British politician who was the Prime Minister of the United Kingdom from 1979 to 1990 and the leader of the Conservative Party from 1975 to 1990. She was the longest-serving British Prime Minister of the 20th century and is the only woman to have... Continue Reading →
Why You Should Appreciate A Soldier
Every time there is a war between two countries, men are sent out to fight and have a peace watch all over the city; they stag, train, combat for their country's name. Many of them return and many don't, they are either "missing in action" or dead to the reality of life they come back... Continue Reading →
Walking into the studio at Plaistow, London, he came in with charisma and charm. The emerging winner of Mr Ideal Nigeria 2012, Abayomi Towase who represented Osun state, Nigeria got my colleague Joyce smiling as he sat down for a brief interview about his tour in London and beyond Mr Ideal Nigeria. "Good day ladies"... Continue Reading →


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The Green Gathering 2014Thursday 31st July to Sunday 3rd August 2014
Piercefield Park, Chepstow, Monmouthshire, NP16 6BE, Wales MAP
£96.50 for a weekend ticket
Festivals that maintain a certain ethos or have a special history remain in the hearts of those who attend them in a profound way. Many of Green Gathering's organisers and attendees have kept the festival alive against unlikely odds.
It all started so well, in 1994 as a natural progression from the Green Fields site at Glastonbury it became a festival in it's own right "for people who care about the environment, sustainability, health, community and our children's futures. It is a celebration of the natural world and our place within it." - as the organisers themselves describe.
It grew and became the Big Green Gathering and at it's peak was attended by around 20,000 visitors as an important place for families to get their first or renewed taste of a greener life and more infamously where activists met to discuss ideas and raise funds. This last point is where the festival is truly unique, as it, or perhaps some of it's attendees, were seen as subversive to various plans of the government which responded by installing an undercover cop in a Green Gathering bar that was raising funds for Climate Camp. This is of course a very short hand story, I urge you to read the history of this event in more details, but in 2009 the festival was threatened with an injunction just 2 days before the festival gates opened which meant the organisers hands were turned and they were forced to cancel the event at an estimated cost of £2 million. Financial disaster but unbelievably not complete ruin.
In recent years the organisers have continued, now far smaller and as the Green Gathering, battling to get out of debt, each year getting a little bigger and a little less in debt. The need for events such as this and the strong belief that people have in green issues has been enough to keep the festival alive and hopefully with each year more integral in Britain's culture again.
The site itself is beautiful, a vast rolling landscape with a huge, spooky derelict building as a backdrop. The slightly ramshackle layout of the site is due to topography but it adds character and space to the site. Almost everyone is in a bus, caravan, lorry, or camper van, which you could argue isn't so green until you remember that many of these folks actually live in their vehicles (and rarely move them). For anyone with an interest in live in vehicles then just being invited into someone's home is part of the festival as you bare witness to some wonderful ingenuity, craftsmanship and way to adapt modern technology into a vehicle living space, often with the use of solar or wind.
The site is friendly and there is a sense of old friends meeting together without it feeling unwelcoming to newcomers. There are more children running around muddy faced than any other festival I've seen and the kids area is as big and interactive as any major festival.
Although a feature of the event, the main focus has never been on music, as is the norm for most festivals these days and the environmental issues still rage on with talks, seminars and debates. Many of them are insightful and only a few of them I'd consider completely 'out there' in there style of thinking, although I'll say for the record now that I'm not buying and of the evidence I've seen so far regarding chem trails but I learned several new things regarding fracking and Palestine.
This kind of event could have been 'preachy' but most people here seemed well balanced enough to understand the line between fun and learning. This is after all a coming together of humans wanting to be with other humans too.
So on to the music, let's be honest no one can whinge like a hippy but GG tries to put it's money (or lack of) where its mouth is and suggest and implement solutions. Each stage and stall is powered by renewables, if the energy runs out then it's time to go acoustic. The weather wasn't as sunny as hoped so the various power suppliers (people with several tonnes of solar panels) where occasionally at odds with stage managers who were having to trim bass levels to save energy.
The variety of acts was stupendous and performers give there services as massively reduced costs in support of the event. Highlights were 3 Daft Monkeys, Fasta Benj and festival favourite Rory McLeod but I got to see so few acts due to the wealth of opportunities to meet interesting characters (a hilarious fairy who rarely broke character springs to mind), make things (I really love working with willow and hazel I discovered) hear talks,etc, etc but that was fine, in fact going with the flow and having no sense of direction seemed better and more appropriate.
It's been reported that this year the festival managed to drag itself out of debt, a huge testament to the willpower of these wonderful people. So the future is looking good for the Green Gathering and hopefully for the environmental movement too. The organisers steely determination already had them looking to next year with keenness and I salute them in their efforts. Go and support this event, it needs you and Britain, our government and big businesses needs events like this to keep them from ruling us without hearing our opinions.
The Green Gathering 2014Thursday 31st July to Sunday 3rd August 2014
Piercefield Park, Chepstow, Monmouthshire, NP16 6BE, Wales MAP
£96.50 for a weekend ticket
latest on this festival
festival details
still hoping & planning to go ahead
line-ups & rumours
festival home page


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The Luck of Roaring Camp
Grabhorn Press, 1948. Limited Edition. Hardcover. Used - Very Good. Item #10000000001691
Edition limited to 300 copies, from the library of Edward M. Crane (with his bookplate), front board slightly warped, illustration on front board fading. . Very Good.
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The FDA has done an adequate job of preparing for novel technologies in the past. The FDA's experience in regulating products based on early biotechnology, artificial intelligence, and advanced biotechnology products demonstrate that the agency is able to acquire the scientific expertise necessary for effective regulation.
The FDA was able to equip itself for effective regulation of early biotechnology products. The biotechnology revolution was launched in 1976 when a human protein was expressed from recombinant DNA in E. coli. Recombinant DNA technologies resulted in products such as synthetic insulin to treat diabetes and interferon to treat leukemia, and the biotechnology industry began to take flight in the 1980s. The FDA responded to the emerging industry in several ways. First, the FDA decided not to create a new Center for biotechnology, but to incorporate biotechnology products into the current regulatory structure.70 Each product was regulated on a case-by-case basis for safety and efficacy. The Office of Biologics Research and Review (OBRR) became the FDA's "expert" in biotechnology review. OBRR hired specialists in molecular biology, protein chemistry, and immunology; almost all biotechnology products, including drugs and devices, were sent to OBRR
for review.71 The agency also began to draft documents called "Points to Consider" in the early 1980s.72 Although not regulations or guidelines, they were intended to facilitate dialogue and understanding between the FDA and the emerging industry. The FDA has continued to promulgate Points to Consider as the industry has advanced,73 and they are now considered "dogma in the field of biotechnology."74 Biotechnology advancements also led the agency to establish the Office of Biotechnology in 1990. The purpose of the Office was to "to enable [the] FDA to meet the new challenges presented by advances in the area of biotechnology."75 The Office advised the commissioner and other FDA officials on biotechnology science and policy, directed agency research and training, attempted to recruit and retain scientists with needed expertise, and represented the FDA on biotech matters to other agencies, industry, academia, and Congress.76 The establishment of the Office was lauded as effective in putting the FDA "at the forefront of recent advances in the industry."77 Having served its purpose of equipping the agency with the ability to effectively regulate biotechnology, the Office of Biotechnology was abolished in 1994.78
The FDA also took steps to enhance its science base in preparation for technology based on artificial intelligence. Scientists at CDRH began studying artificial intelligence and preparing for review long before they were presented with any applications. Neural networks, which use biological systems to process information, are now being used to create "smart" devices such as automatic Pap smear readers to do repetitive pattern recognition analysis. As one FDA official explains, "Our scientists saw that the use of artificial intelligence in medical devices was on the horizon and that we needed to have expertise in the area. As a result of our investment in this area, when the first application came in the door, we were ready for it."79
In the late 1990s and early 2000s, the FDA was faced with a wave of advanced biotechnology products. Breakthroughs in genomics, proteomics, gene therapy, and tissue engineering resulted in a significant increase in applications for clinical testing of novel technologies. In attempting to keep pace with the explosion of new technologies, the FDA has initiated four policies to improve the agency's effectiveness.
1. Former FDA Commissioner Jane Henney decreed several initiatives to improve the quality of the FDA workforce. She contracted with an outside group to work with the scientific staff and the office of human resources to determine the necessary composition of the scientific workforce in the near future.80 The contractor was also directed to investigate ways to improve recruitment and retention at the agency.
2. The FDA has made efforts to improve internal training. For example, the Centers put on monthly training sessions, the agency has established an alumni program to keep former staff involved in consulting and training efforts, and there have been efforts to cross-train staff through a scientific exchange program.81
3. The FDA has pursued an aggressive leveraging program involving collaboration with outside experts. There have been numerous "joint training" sessions with industry, where FDA staff tour manufacturing sites to learn about cutting edge research.82 There are also various Cooperative Research and Development Agreements (CRADAs) between the FDA and different companies,83 and CBER and CDRH have established "vendor days" to allow manufacturers to provide information about their products and research to FDA staff. The FDA has also pursued partnerships with universities84 and fostered its relationships with other public health service agencies,85 existing advisory panels and consultants, professional societies,86 and domestic and international standards organizations.87
4. The agency has taken steps to improve its regulatory science. Research activities allow the FDA to obtain independent laboratory information in reviewing applications, set standards for regulatory assessment, establish test methods, monitor products, and study emerging risks.88 The FDA highlights the success of its Tissue Proteomics Program as evidence of its ability to engage in cutting edge regulatory science.89 The research, which involves collaboration with the National Institutes of Health (NIH), focuses on developing proteomic tools for the early detection of cancer and other diseases.90 The FDA can also boast of cutting edge laboratory research in other areas.91
These reforms and initiatives have been relatively successful in enabling the FDA to regulate advanced biotechnology products. The agency has been able to spend some time developing a regulatory framework for genetic testing,92 tissue engineering,93gene therapy,94 and other novel technologies. Not only has the FDA worked diligently to establish regulations, notices, and guidelines regarding testing and manufacturing procedures, but there is evidence that it has been able to more efficiently review applications and better monitor clinical trials and manufacturing.95 As senior scientist Donald Marlowe explains, the "Centers can rely on their advisory panels and an array of outside experts to obtain expertise in any area."96
However, despite its best efforts to keep pace with advancing medical technologies, there is evidence to suggest that the FDA may begin to experience difficulties in maintaining expertise. In January 2004, a study from the Tufts Center for the Study of Drug Development warned that the FDA will face increased pressure to maintain staff expertise as experienced agency personnel retire or change jobs.97 Indeed, maintaining technical expertise in the coming years will be "a difficult task in the face of rapid technological change, staff turnover, and the broader context of high employment and movement of knowledge workers."98
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I am compelled to fear that science will be used to promote the power of dominant groups, rather than to make men happy. Icarus, having been taught to fly by his father Daedalus, was destroyed by his rashness. I fear that the same fate may overtake the populations whom modern men of science have taught to fly.
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How to Prevent Chargebacks and Keep Your Income
One of the most frustrating things while running a business is dealing with chargebacks. Initially, chargebacks got formulated as a way of protecting buyers from being exploited. However, nowadays chargebacks have changed to become a threat to many sellers. As a business owner, chargebacks can be hurting to your business and cost you much money, effort and consume most of your time.
High chargeback rates will further result in being classified as a high-risk merchant. It can also result in your merchant account to be frozen or be completely closed. Considering this, you need to have a plan on how to prevent the occurrence of chargebacks in your business and keep your income. In this article, therefore, we discuss what the causes of chargebacks are and how you can prevent their occurrence in your business.
Understanding Chargebacks and their Causes
Transfer of money back to the buyer's account is what we refer to as chargebacks. Chargebacks can be as a result of many reasons. They can be as a result of clerical and technical errors, customer dissatisfaction, and even as a result of fraud detection. The bank will always give back a reason code to the business explaining why the buyer disputed the transaction. Reason codes are usually taken on the basis that the customer is explaining the truth. This means that it is unto merchant to fight chargebacks in his or her business.
Preventing Chargebacks
Chargebacks are very costly and disturbing hence preventing your business from running smoothly. If you are experiencing difficulties with chargebacks in your business, consider employing the following seven tips;
1. Understand all causes of chargebacks
As already discussed, there are different classes of reasons why a customer may dispute a transaction. However, you need to understand all these reasons so that you can prevent them from happening. Minimizing reasons for the customer to dispute any of your transactions will keep your business safe and out of chargebacks risks.
2. Open Communication with Your Customers
By practicing proper communication with your customers, it is possible to avoid the occurrence of chargebacks in your business. Try to encourage your customers to communicate about the disputes they have with any of your transactions openly.
This works best for eCommerce merchants that never get to see their customers. It helps to solve disputes before the customer gets in contact with the bank requesting for a chargeback.
3. Your payment descriptor should be clear
The appearance of your business name and contacts on the customer's credit card payment statement is what we call a payment descriptor. Be sure to use a recognizable company brand to lower the risk of chargebacks. For information about the looking of your payment descriptor, you can contact your merchant account service center. They will give you all the details about your account and how the descriptor should look like.
4. Proper Product and Service Description
One way to help reduce chargebacks is by describing what you sell clearly. Consider also not to over exaggerate about your products. This makes sure that your customer's expectations are not more than what you can deliver. As a result, you lower the risk of customer dissatisfaction and hence chances of chargebacks.
This is more emphasized for eCommerce sellers as the customer depends on the description of your products online.
5. Using a Payment Processor that Features Fraud and Seller Protection Traits
A good payment processor should have fraud and seller protection features. Fraud protection characteristics will include observing that which does not comply with AVS and CID standards of verification.
For seller protection traits, they should cover a certain amount of chargebacks losses in all eligible transactions. Some of the payment processors that offer seller protection terms include PayPal and Square
6. Clear Product Return Policies
I understand not many of business owners love to process a return. However, having a clear return process is less expensive and less hurting to your business as chargebacks are. Also, formulating a return process lowers the risk of the customers pursuing chargebacks claims.
7. Use chargebacks prevention services to verify sales
You also need to confirm the expiration date of the customer's credit card and keep details of every transaction.
Chargebacks can get you out of business if not properly taken care of. As seen, there are different causes of chargebacks in a business. Consider understanding them all and apply the above tips towards preventing chargeback occurrences. By doing this, you are lowering the risk of chargebacks happening in your business.


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Western Digital reported revenue of $4.7 billion in the first full quarter after its SanDisk acquisition closed, claiming demand was strong for hard drives and flash-based products with cloud and ...
NetApp is the first storage vendor to sell Toshiba's new highly secure solid-state drives (SSDs). NetApp hybrid FAS and E-Series arrays will include Toshiba PXO4S 12 Gb per second SAS SSDs, built ...
Hewlett Packard Enterprise launched its high-end enterprise storage array upgade today at the same time as Hitachi Data Systems. The HPE XP7 and HDS Virtual Storage Platform (VSP) use the same ...
Dell EMC's making XtremIO multi-protocol- Editorial News Director 20 Oct 2016
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