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Copyright Agreement and Acknowledgement of Authorship Form
Trends in Business and Economics (Trend Bus Econ) is a scientific, open access, online-only periodical published in accordance with independent, unbiased, and double-blinded peer-review principles. The journal is official publication of the Ataturk University Faculty of Economics and Administrative Sciences and published quarterly publication in January, April, July, and October. The publication languages of the journal are Turkish and English.
Trends in Business and Economics aims to contribute to the literature by publishing articles at the highest scientific level in economics. The journal publishes original articles, reviews and letters to editors prepared in accordance with ethical rules. The scope of the journal includes economics and business writings. Trends in Business and Economics deals with original articles that have theoretical foundations and are supported by empirical findings.
The target audience of the journal includes academicians, researchers, professionals, students, related professional and academic bodies and institutions.
EDITORIAL AND PUBLICATION PROCESS
The editorial and publication processes of the journal are shaped in accordance with the guidelines of the Council of Science Editors (CSE), the Committee on Publication Ethics (COPE), the European Association of Science Editors (EASE), and National Information Standards Organization (NISO). The journal conforms to the Principles of Transparency and Best Practice in Scholarly Publishing (doaj.org/bestpractice).
Originality, high scientific quality, and citation potential are the most important criteria for a manuscript to be accepted for publication. Manuscripts submitted for evaluation should not have been previously presented or already published in an electronic or printed medium. The journal should be informed of manuscripts that have been submitted to another journal for evaluation and rejected for publication. The submission of previous reviewer reports will expedite the evaluation process. Manuscripts that have been presented in a meeting should be submitted with detailed information on the organization, including the name, date, and location of the organization.
Manuscripts submitted to Trends in Business and Economicswill go through a double-blind peer-review process. Each submission will be reviewed by at least two external, independent peer reviewers who are experts in their fields in order to ensure an unbiased evaluation process. The editorial board will invite an external and independent editor to manage the evaluation processes of manuscripts submitted by editors or by the editorial board members of the journal. The Editor in Chief is the final authority in the decision-making process for all submissions.
The authors are expected to submit researches that comply with the general ethical principles which include; scientific integrity, objectivity, collegiality, data integrity, institutional integrity and social responsibility.
The Editorial Board of the journal handles all appeal and complaint cases within the scope of COPE guidelines. In such cases, authors should get in direct contact with the editorial office regarding their appeals and complaints. When needed, an ombudsperson may be assigned to resolve cases that cannot be resolved internally. The Editor in Chief is the final authority in the decision-making process for all appeals and complaints.
The correction requests submitted by the authors are reviewed by the Editorial Board and the corrections are applied based on the decision of the Editorial Board. In case of corrections in the published text, the readers are informed by publishing the Erratum text in the number following the correction. The edited article is updated on the journal web page and in the indexes when the journal is scanned.
PLAGIARISM AND ETHICAL MISCONDUCT
Trends in Business and Economicsis extremely sensitive about plagiarism. All submissions are screened by a similarity detection software (iThenticate by CrossCheck) at any point during the peer-review and/or production process.
When you are discussing others' (or your own) previous work, please make sure that you cite the material correctly in every instance.
Authors are strongly recommended to avoid any form plagiarism and ethical misconduct that are exemplified below.
Self- plagiarism (text-recycling): Overlapping sections or sentences with the author's previous publications without citing them. Even if you are the author of the phrases or sentences, the text should not have unacceptable similarity with the previously published data.
Salami slicing: Using the same data of a research into several different articles. Reporting the same hypotheses, population, and methods of a study is into different papers is not acceptable.
Data Fabrication: It is the addition of data that never occurred during the gathering of data or the experiments. Results and their interpretation must be based on the complete data sets and reported accordingly.
Data Manipulation/Falsification: It means manipulating research data with the intention of giving a false impression. This includes manipulating images (e.g. micrographs, gels, radiological images), removing outliers or 'inconvenient' results, changing data points, etc.
In the event of alleged or suspected research misconduct, e.g., plagiarism, citation manipulation, and data falsification/fabrication, the Editorial Board will follow and act according to COPE flowcharts.
Trends in Business and Economicsdoes not consider preprint publications as prior publication. In other words, authors are allowed to present and discuss their findings on a non-commercial preprint server before submission to a journal.
Authors must provide the journal with the pre-print server deposition of their article accompanying its DOI during initial submission.
If the article is published in the Trends in Business and Economics, it is the responsibility of the authors to update the archived preprint and link it to the published version of the article.
Being an author of a scientific article mainly indicates a person who has a significant contribution to the article and shares the responsibility and accountability of that article. To be defined as an author of a scientific article, researchers should fulfill below criteria:
Making a significant contribution to the work in all or some of the following phases: Research conception or design, acquisition of data, analysis and interpretation.
Drafting, writing or revising the manuscript
Agreeing on the final version of the manuscript and the journal which it will be submitted
Taking responsibility and accountability of the content of the article
Outside the above mentioned authorship criteria, any other form of specific contribution should be stated in the Acknowledgement section.
In addition to being accountable for the parts of the work he/she has done, an author should be able to identify which co-authors are responsible for specific other parts of the work. Also, authors should have confidence in the integrity of the contributions of their co-authors.
If an article is written by more than one person, one of the co-authors should be chosen as the corresponding author for handling all the correspondences regarding the article. Before submission, all authors should agree on the order of the authors and provide their current affiliations and contact details. Corresponding author is responsible for ensuring the correctness of these information.
Trends in Business and Economicsrequires corresponding authors to submit a signed and scanned version of the Copyright Agreement and Acknowledgement of Authorship form (available for download at www.economics-ataunipress.org) during the initial submission process to act appropriately on authorship rights and to prevent ghost or honorary authorship. If the editorial board suspects a case of "gift authorship," the submission will be rejected without further review. As part of the submission of the manuscript, the corresponding author should also send a short statement declaring that he/she accepts to undertake all the responsibility for authorship during the submission and review stages of the manuscript.
CHANGE OF AUTHORSHIP
Trends in Business and Economics reviews the authorship according to the author's declaration in the Title Page, thus it is the authors responsibility to send the final order of the complete author names. Requests in the change of authorship (e.g. removal/addition of the authors, change in the order etc) after submission are subject to editorial approval. Editorial Board will investigate this kind of cases and act following COPE flowcharts.
Change of authorship requests should be submitted to the Editorial Office with an official letter stating the reasons of the change. The letter must be signed by all authors and include their approval on the change in authorship. If the request is approved by the Editorial Board, authors need to submit a new Copyright Agreement Form according to the final order list.
APPEALS AND COMPLAINT
The Editorial Board of the journal handles all appeal and complaint cases within the scope of COPE guidelines. In such cases, authors should get in direct contact with the editorial office regarding their appeals and complaints. When needed, an ombudsperson may be assigned to resolve claims that cannot be resolved internally. The Editor in Chief is the final authority in the decision-making process for all appeals and complaints.
Trends in Business and Economicsrequires each submission to be accompanied by a Copyright Agreement and Acknowledgement of Authorship form (available for download at www.economics-ataunipress.org). By signing this form, authors retain the copyright of their work and agree that the article, if accepted for publication by the Trends in Business and Economics. The journal's content is licensed under a Creative Commons Attribution (CC BY) 4.0 International License which permits third parties to share and adapt the content for any purpose by giving the apropriate credit to the original work.
From January 2022 onwards, content is licensed under a Creative Commons CC BY 4.0 license. The journal's back content was published under a traditional copyright license however the archive is available for free access.
When using previously published content, including figures, tables, or any other material in both print and electronic formats, authors must obtain permission from the copyright holder. Legal, financial and criminal liabilities in this regard belong to the author(s).
Statements or opinions expressed in the manuscripts published in Trends in Business and Economicsreflect the views of the author(s) and not the opinions of the editors, the editorial board, or the publisher; the editors, the editorial board, and the publisher disclaim any responsibility or liability for such materials. The final responsibility regarding the published content rests with the authors.
Manuscripts can only be submitted through the journal's online manuscript submission and evaluation system, available at www.economics-ataunipress.org. Manuscripts submitted via any other medium and submissions by anyone other than one of the authors will not be evaluated.
The style of the manuscripts should be prepared according to the Publication Manual of the American Psychological Association (APA), Seventh Edition.
Manuscripts submitted to the journal will first go through a technical evaluation process where the editorial office staff will ensure that the manuscript has been prepared and submitted in accordance with the journal's guidelines. Submissions that do not conform to the journal's guidelines will be returned to the submitting author with technical correction requests.
Authors are required to submit the following:
• Copyright Agreement and Acknowledgement of Authorship Form (should be filled in by all contributing authors) during the initial submission. These forms are available for download at www.economics-ataunipress.org.
Preparation of the Manuscript
Title page: A separate title page should be submitted with all submissions and this page should include:
• The full title of the manuscript as well as a short title (running head) of no more than 50 characters,
• Name(s), affiliations, highest academic degree(s), and ORCID IDs of the author(s),
• Grant information and detailed information on the other sources of support,
• Name, address, telephone (including the mobile phone number), and email address of the corresponding author,
• Acknowledgment of the individuals who contributed to the preparation of the manuscript but who do not fulfill the authorship criteria.
Abstract: An abstract should be submitted with all submissions except for Letters to the Editor. The abstract of Research Articles should be unstructured. Please check Table 1 below for word count specifications.
Keywords: Each submission must be accompanied by a minimum of three to a maximum of five keywords for subject indexing at the end of the abstract. The keywords should be listed in full without abbreviations.
Manuscript Types
Research Articles: This is the most important type of article since it provides new information based on original research. Acceptance of original papers will be based upon the originality and importance of the investigation. The main text of original articles should be structured with Introduction, Methods, Results, and Discussion subheadings. Please check Table 1 for the limitations for Original Articles.
Editorial Comments: Invited brief editorial comments on selected articles are published in the Trends in Business and Economics. Editorials should not be longer than 1000 words excluding references. Editorial comments aim to provide a brief critical commentary by reviewers with expertise or with high reputation in the topic of the research article published in the journal. Authors are selected and invited by the journal to provide such comments. Abstract, Keywords, and Tables, Figures, Images, and other media are not included.
Review Articles: Reviews prepared by authors who have extensive knowledge on a particular field and whose scientific background has been translated into a high volume of publications with a high citation potential are welcomed. These authors may even be invited by the journal. Reviews should describe, discuss, and evaluate the current level of knowledge of a topic in clinical practice and should guide future studies. The subheadings of the review articles should be planned by the authors. However, each review article should include an "Introduction" and a "Conclusion" section. Please check Table 1 for the limitations for Review Articles.
Letters to the Editor: This type of manuscript discusses important parts, overlooked aspects, or lacking parts of a previously published article. Articles on subjects within the scope of the journal that might attract the readers' attention, particularly educative cases, may also be submitted in the form of a "Letter to the Editor." Readers can also present their comments on the published manuscripts in the form of a "Letter to the Editor." Abstract, Keywords, and Tables, Figures, Images, and other media should not be included. The text should be unstructured. The manuscript that is being commented on must be properly cited within this manuscript.
Table 1. Limitations for each manuscript type
Type of
Word limit*
Abstract word
Figure limit
(Structured)
5 or total of 10 images
10 or total of 15 images
No tables
*Word limit should not include the abstract, references, tables, and figure legends.
Tables should be included in the main document, presented after the reference list, and they should be numbered consecutively in the order they are referred to within the main text. A descriptive title must be placed above the tables in title case in italics. Abbreviations used in the tables should be defined below the tables by footnotes (even if they are defined within the main text). Tables should be created using the "insert table" command of the word processing software and they should be arranged clearly to provide easy reading. Data presented in the tables should not be a repetition of the data presented within the main text but should be supporting the main text.
Table Examples in APA Format
Source: Sample Tables, APA accessed https://apastyle.apa.org/style-grammar-guidelines/tables-figures/sample-tables
Figures and Figure Legends
Figures, graphics, and photographs should be submitted as separate files (in TIFF or JPEG format) through the submission system. The files should not be embedded in a Word document or the main document. When there are figure subunits, the subunits should not be merged to form a single image. Each subunit should be submitted separately through the submission system. Images should not be labeled (a, b, c, etc.) to indicate figure subunits. Thick and thin arrows, arrowheads, stars, asterisks, and similar marks can be used on the images to support figure legends. Like the rest of the submission, the figures too should be blind. Any information within the images that may indicate an individual or institution should be blinded. The minimum resolution of each submitted figure should be 300 DPI. To prevent delays in the evaluation process, all submitted figures should be clear in resolution and large in size (minimum dimensions: 100 × 100 mm). Figure legends should be listed at the end of the main document.
All acronyms and abbreviations used in the manuscript should be defined at first use, both in the abstract and in the main text. The abbreviation should be provided in parentheses following the definition.
When a drug, product, hardware, or software program is mentioned within the main text, product information, including the name of the product, the producer of the product, and city and the country of the company (including the state if in USA), should be provided in parentheses in the following format: "Discovery St PET/CT scanner (General Electric, Milwaukee, WI, USA)"
All references, tables, and figures should be referred to within the main text, and they should be numbered consecutively in the order they are referred to within the main text.
Limitations, drawbacks, and the shortcomings of original articles should be mentioned in the Discussion section before the conclusion paragraph.
Both in-text citations and the references must be prepared according to the APA Manual Seventh Edition.
While citing publications, preference should be given to the latest, most up-to-date publications. Authors are responsible for the accuracy of references. In the main text of the manuscript, references should be cited by author's name and the publication year in parenthesis. In the case of direct citations in the main text, only publication year should be stated in parenthesis after the name of the author. Please see below the examples.
The reference styles for different types of publications are presented in the following examples.
Journal Article: Klimonske, R., & Palmer, S. (1993). The ADA and the hiring process in organizations. Consulting Psychology Journal: Practice and Research, 45(2), 10-36.
Journal Article with more than one author: Jerrentrup, A., Mueller, T., Glowalla, U., Herder, M., Henrichs, N., Neubauer, A., & Schaefer, J. R. (2018). Teaching medicine with the help of "Dr. House." PLoS ONE, 13(3), Article e0193972. https://doi.org/10.1371/journal.pone.0193972
Article in Turkish: Mutlu, B., & Savaşer, S. (2007). Çocuğu ameliyat sonrası yoğun bakımda olan ebeveynlerde stres nedenleri ve azaltma girişimleri [Source and intervention reduction of stress for parents whose children are in intensive care unit after surgery]. Istanbul University Florence Nightingale Journal of Nursing, 15(60), 179–182.
By a Single Author: Kimmel, M. S. (2007). The gendered society. Oxford University Press.
By Two or More Authors: DiFonzo, N., & Bordia, P. (2007). Rumor psychology: Social and organizational approaches. American Psychological Association.
By a Corporate (Group) Author: American Sociological Association. (1975). Approaches to the study of social structure. Free Press.
Edited Book: Rhodewalt, F. (Ed.). (2008). Personality and social behavior. Psychology Press.
Book Chapter with Editor(s): McCormack, B., McCance, T., & Maben, J. (2013). Outcome evaluation in the development of person-centred practice. In B. McCormack, K. Manley, & A. Titchen (Eds.), Practice development in nursing and healthcare (pp. 190-211). John Wiley & Sons.
Dissertation or Thesis: Valentin, E. R. (2019, Summer). Narcissism predicted by Snapchat selfie sharing, filter usage, and editing [Master's thesis, California State University Dominguez Hills]. CSU ScholarWorks. https://scholarworks.calstate.edu/concern/theses/3197xm925?locale=en
No Author: The universal declaration of human rights. (1974). U.S. Catholic Conference, Division of Latin America.
Web sites: Sparks, Dana. (2018, September 12). Mayo mindfulness: Practicing mindfulness exercises. Mayo Clinic.
In the seventh edition, up to 20 authors should now be included in a reference list entry. For sources with more than 20 authors, after the 19th listed author, any additional authors' names are replaced with an ellipsis (…) followed by the final listed author's name:
Author, A. A., Author, B. B., Author, C. C., Author, D. D., Author, E. E., Author, F. F., Author, G. G., Author, H. H., Author, I. I., Author, J. J., Author, K. K., Author, L. L., Author, M. M., Author, N. N., Author, O. O., Author, P. P., Author, Q. Q., Author, R. R., Author, S. S., . . . Author, Z. Z.
When submitting a revised version of a paper, the author must submit a detailed "Response to the reviewers" that states point by point how each issue raised by the reviewers has been covered and where it can be found (each reviewer's comment, followed by the author's reply and line numbers where the changes have been made) as well as an annotated copy of the main document. Revised manuscripts must be submitted within 30 days from the date of the decision letter. If the revised version of the manuscript is not submitted within the allocated time, the revision option may be canceled. If the submitting author(s) believe that additional time is required, they should request this extension before the initial 30-day period is over.
Accepted manuscripts are copy-edited for grammar, punctuation, and format by professional language editors. Once the publication process of a manuscript is completed, it is published online on the journal's webpage as an ahead-of-print publication before it is included in its scheduled issue. A PDF proof of the accepted manuscript is sent to the corresponding author and their publication approval is requested within 2 days of their receipt of the proof.
Editor in Chief: Vedat Kaya
Address: Ataturk University, Faculty of Economics and Administrative Sciences, Erzurum, Turkey


Woke up to a bit of a down pour. We started the day with a tour of a drive-in volcano, which was really cool. Next we went to the botanical gardens where we saw a really sweet waterfall. We also went to a hot spring bath. The crew had a bit of shore time and went out and grabbed a little lunch. We had a communications review after dinner.


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У Дрогобицькому районі Львівської області нараховується 6 пам'яток монументального мистецтва.

Джерело
Перелік пам'яток Львівської області

Дрогобицьк
Дрогобицький район
Пам'ятки Дрогобицького району

redpajama_set_name: RedPajamaWikipedia


All Weather Guard Roofing inc. has been serving Chicagoland, and NorthWest Indiana since 1972. All our employes are highly trained well qualified proffesional roofers. We use top quality materials only, and all work is fully guaranteed. We offer high quality work at a reasonable price. With hundreds of satisfied customers throughout Illinois, and Indiana. We are here to provide all your roofing needs.


If you are a dedicated fan of hilarious jokes, so-called Internet memes, and mind-boggling pop-culture ideas, this wallpaper category is just for you. If there's one thing we can do tiptop is collecting some funny wallpapers for your device. We strongly believe that a good sense of humor will save the world and everyone needs some funny ideas to laugh at relieving the stresses of modern life. When you could probably lose the spirit and beauty of life, laughter is the best medicine. A funny desktop well-savored with humor looks like a fine way to start the day.
Thankfully, nowadays there are all kinds of funny pics to use as wallpapers on the Internet. Let's take a look: here we offer tons of memes images, typographic style famous sayings, specific cultural and social popular themes shots, viral catchphrases and much more. Thousands of such images have been created and edited just for laughs, so no wonder these funny wallpapers like "Keep Calm and Hakuna Matata" or "Winter is coming" are so popular. Not a series lover? There are hundreds of emoticons, comical animal images and jocular quotations here. You just have to find out the theme and to enjoy – as we all know well, laughing is a cheap medicine.


New vampire literature has literally exploded onto the scene in recent years, and readers across the globe have been devouring(excuse the pun) these books like they were going out of style. But what makes these books so addictive has to be the cool, suave, beautiful, and a lot of the time fearsome, male protagonists.
These vampire characters are definitely what keeps a lot of readers glued to the page, and therefore, they surely deserve some praise. So, this article will present a list of the top ten male vampires to watch, read, and wish they were real. And before beginning, an apology must be made to all those Twilight fans out there, as Edward Cullen will not be making an appearance in this list, not because he is unworthy but merely because lets face it, he doesn't exactly need the publicity now does he?
Ten: So, to start at number ten, the first character the grace this list will be Bill Compton from Charlaine Harris' ever popular Sookie Stackhouse novels. Bill is dark haired and almost one hundred and seventy years old and fought during the Civil War. He is the neighbour of the main character, Sookie, and has appeared in all nine of the books so far.
Nine: Micheal Glass from Rachel Caine's Morganville Vampires series. Micheal is blond haired and blue eyed, he is a good friend of Claire(main character) and owns the house where she rents a room. Micheal plays guitar to packed out gigs and he has been newly made into a vampire, though surprisingly he does not show the usual violent tendencies of new borns.
Eight: Constantine from Robin McKinley's novel Sunshine. Constantine is first encountered by Rae (lead character) when she finds herself imprisioned in the ballroom of an abandoned mansion. He has been chained there by his enemy and left to slowly die of hunger and sun exposure. Constantine is an anti-hero and you can't quite tell whether or not he is on Rae's side throughout the novel.
Seven: Lestat from Anne Rice's The Vampire Lestat. The androgenous Lestat has become an icon of vampire literature, particularly since Tom Cruise portrayed him in the movie Interview with the Vampire.
Six: Joe Pitt from Charlie Huston's Already Dead series. Joe is probably the most gritty of all the characters featured here, in the first book of the series he is on a mission to find out what is causing the zombie epidemic that has seized New York. One of his most redeeming qualities lies in his relationship with his HIV infected girlfriend Eve, as he struggles over whether to cure her by turning her into a vampire.
Five: Rhage from JR Ward's Black Dagger Brotherhood series. Rhage, or Hollywood as he is nicknamed by his brothers, because of his movie star good looks, is the quintessential alpha male. He hunts the Lessers by night and struggles with the demon inside of him with which he has been cursed, for fear that it will escape when he becomes angry and cause mayhem and violence.
Four: Christophe Reynard from Lili St.Crow's Strange Angels. Christophe is a dhamphir, half human half vampire. He is blond haired and blue eyed and acts as a guide and mentor and possible love interest to Dru as she enters a brand new world having discovered that she too is a dhamphir.
Three: John Matthew from JR Ward's Black Dagger Brotherhood series. John Matthew is introduced as a skinny, shy, mute in his early twenties in the second of the BDB books and has featured in every book since. We see him grow into a vampire after he survives the change, and a hunter when he joins the BDB, and his book is to be released at the end of this month entitled "Lover Mine".
Two: Eric Northman from Charlaine Harris' Sookie Stackhouse series. Eric is a thousand year old Viking vampire who owns the nightclub Fangtasia in Shreveport. He is a rival to the previously listed Bill in his affections for Sookie. I have listed him so highly mainly for his great sense of humour in the books.
One: Dimitri Belikov from Richelle Mead's Vampire Academy novels. Those who declare that Edward Cullen could never be replaced in their hearts have got to read the Vampire Academy series, for when they discover Dimitri they will be asking themselves, "Edward who?". Dimitri, like the previously listed Christophe, is also a dhamphir, and he acts as Rose Hathaway's tutor when she returns to the academy after running away with her best friend Lissa. A forbidden student/teacher romance ensues.


Just a quick post on Östersunds FKs latest signing Andrew Stadler.
If there is one single thing that differs ÖFK from the league leaders, Jönköpings Södra i'd say it is efficiency. In all other aspects ÖFK is by far the best team in Superettan. Is the signing of Andrew Stadler something that may change that? Well one way of trying to find out would be to check his Expected Goals/Goals ratio the last two seasons with my new improved model.
Well, his numbers could imply an effect. The question would in that case be who he would replace. Dragan Kapcevic has had quite a decent season with an expg/g of 6.2/7. Seon-Min Moon also had similar numbers but from fewer finishes.
Time will tell and I think I will do a follow up at the end of the season to se if this transfer has had an impact on the teams efficiency in terms of ExpG/G.


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Home Entrepreneurs Digitized ID Verification Startup, Onfido, Lands $100M
Digitized ID Verification Startup, Onfido, Lands $100M
Shazir Mucklai
Onfido uses artificial intelligence to analyze a person's facial biometrics and compare it to government-issued IDs to verify his or her identity. This round, which was led by TPG Growth, brings Onfido's total funding to $200 million, according to the company.
"We're standardizing the way everyone proves their real identity, in a similar way to how Facebook has standardized the way everyone shares their social identity, and LinkedIn has standardized the way everyone signals their professional identity," CEO Husayn Kassai said in a statement.
Now that the COVID-19 pandemic has restricted physical interactions, there's an even greater need for fast and secure digital access, the company says.
"This proliferation of digitization is only just starting," Kassai said in an interview with Crunchbase News. "What's been happening the past couple of months is accelerating."
Kassai pointed to banks as an example of businesses doubling down on digitization. Because of the COVID-19 pandemic, people are no longer going to bank branches to open accounts, and banks need a way to verify identities.
Onfido ended up partnering with TPG Growth to lead the round, which Kassai described as competitive, because of the "sheer scale and breadth" of its portfolio. The firm's long-term vision and shared vision around identity were also important factors, Kassai said.
The company, which most recently saw 130 percent year-over-year growth, counts CLEAR, Expensify and Revolut as clients. Onfido's investors include Wellington Partners and Crane Venture Partners, per Crunchbase data.
The new funding will be used to invest in machine-learning technology, consolidate existing markets and keep up with demand in new areas, according to a statement from the company. In terms of expansion, the United States is Onfido's key core market, followed by Europe (the company wants to expand into Germany) and then Southeast Asia.
Previous articleTech Heavyweights Launch Beyond Identity To Deliver 'The End Of Passwords,' Raise $30M Series A
Next articleIndia's FarEye Attracts M12, Others In $25M Series D
The Ashes: Australia complete Ashes win as England collapse again – highlightson January 16, 2022 at 12:22 pm
How tennis reacted to Djokovic's deportation from Australiaon January 16, 2022 at 12:46 pm
Peter Seabrook: Gardening writer and broadcaster dies aged 86on January 16, 2022 at 1:19 pm

redpajama_set_name: RedPajamaCommonCrawl


Gift giving during the holidays can get costly but doesn't have to break your bank. There are tons of easy, handmade gift ideas to choose from and this Simple Neighbor Christmas Gift with baked goods is one of them!
I shared this idea over at I Heart Nap Time during their Crazy Christmas event and I'm excited to be sharing here with you guys. I am so blessed to live in a neighborhood with wonderful neighbors. They're the type that will put your garbage out for you if you forget. They come to the rescue when you get stuck with your car. They bail you out of plumbing issues that are over your head. They come stay with your kids when a crisis ensues. They never forget a birthday or special occasion. So because I'm so blessed by them I want to make sure that I give them a little something during the holidays. I love to bake and my chocolate chip cookies are kinda my specialty so putting together a cookie neighbor Christmas gift was a no-brainer.
When I give gifts I always like to do a little something fun with the gift wrap. The first thing I do is make printable gift tags. I'm so lovin' all of the buffalo check print that is popular right now so I created these adorable "Merry Christmas" reindeer tags.
I found cardboard berry cartons in the dollar spot at Target ($1 for 4) and added some matching red and black check ribbon to it using my hot glue gun. I finished it off by tying the tags on with ribbon and twine. I absolutely love how cute it looks!
Just a little side note – I found that cute vintage red truck in Target's dollar spot too!
This is such a fun gift idea that it doesn't have to be limited to neighbors…..or cookies. You can put anything you want in those adorable cardboard cartons and you can give the gift to a teacher, mailman, bus driver, whoever!
To use the tags you'll want to print them out onto white card stock and cut them out using a 2.5 inch circle punch or a flourish punch (pictured in photos above). If you don't have a paper punch, you can just cut them out by hand. The tags will look just as cute either way. I know one photo has the tags as circles and one has them as squares. I don't know what my problem was (lol) when I was creating these but I was having issues so that actual download has square tags.
If you are a sucker for Christmas printables, you'll love this collection of 9 Christmas Signs! Print and frame and you have yourself another simple Neighbor Christmas Gift!
Are you all about the buffalo check pattern this year too? I kind of went buffalo crazy! Check out these fun Christmas projects with coordinating buffalo check printables.


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The gift of tuition: How donors are helping business students succeed
By Griffin Moores
Melissa Quesada delivers a speech about the challenges she faced before coming to the College of Business and how the generous gift made to CSU by Michael Smith relieved her and her family from financial worry.
A story of scholarship
As plates and glasses clinked during the College of Business's annual scholarship luncheon, Melissa Quesada, a freshman with hopes of becoming a corporate lawyer, walked up to the podium.
Shuffling through a handful of notes, she looked into the lights and crowd and flashed a smile to the hundreds of people waiting to hear her story.
Her journey to become a business scholar at Colorado State University has a joyful ending, but it didn't start that way.
A life-changing moment
"It's a little easier to talk about now," Quesada said.
However, four years earlier, as hardship began to crash down on her family, Quesada was struggling.
"My dad was diagnosed with stomach cancer my freshman year of high school," said Quesada.
He beat the cancer, but it came back just a few years later.
Quesada started working 40 hours per week, saving money for college and covering the expenses for her International Baccalaureate exams, business extracurriculars, and even prom, while balancing school and helping support her father through his illness.
She would study during meals, before school, or when things slowed down enough during her late-night shifts at Wendy's and Topgolf.
"It was kind of to take one of the stresses off my parents' back," Quesada said.
"I mostly just slept really little," said Quesada, guessing she was averaging around four hours of sleep each night.
But she kept at it and was thrilled when the hard work paid off and she was accepted into the College of Business at CSU.
The foothills can be seen from the second floor of the Lory Student Center on CSU's campus.
Finding a way to help
Promising her parents that she would graduate debt free, Quesada planned to pay for her education through an assortment of small scholarships, loans, and of course more work.
But when she got an email about a week before school started saying that her application for the Michael Smith Elite Business Scholarship had been accepted, everything changed.
It was a full ride.
Quesada rushed to tell her parents that they wouldn't have to worry about tuition any more.
"They were crazy excited. My mom started crying, it was really emotional."
"Being a [Michael Smith Elite Business] Scholar has given me opportunities that I never considered possible," said Quesada, recalling her family's path from her birthplace in the Caribbean.
"As an immigrant we all worked hard to be better, and to do better, and to move forward … and being able to be an inspiration to other students, to our families and to our siblings, makes me realize how worth it the hard work really was."
Michael Smith and his family with the Michael Smith 50th Anniversary Scholars and the Michael Smith Elite Business Scholars at the 2016 College of Business Scholarship Luncheon, October 7, 2016
Now Quesada's father's health has stabilized, and she's happy. Happy that her family won't have to bear any burden from her education, happy that she's able to focus on school and happy to now be studying at her "favorite place on Earth."
Back at the luncheon, Quesada brought her story to a close, turning to Michael Smith, and his family.
"This has greatly impacted my life, and I still can't believe that I can look at my parents and uphold my promise of graduating debt free and financially stress free," she said.
Her voice lifted as she looked out toward her fellow students in the crowd.
"We represent the diversity in our school because there is not a single person here that has the same background and the same story.
"I am very thankful to have become a part of the wonderful community that has allowed for my dreams and career goals to come through. We are all incredibly blessed."
How to make change
During Michael Smith's first job out of Colorado State University there was no way he could have anticipated the events in his life that would lead to a career in oil and gas, let alone his return to CSU as a leader in the industry to deliver scholarships benefiting hundreds of students and their families.
Michael Smith shares his story during the annual College of Business scholarship luncheon.
"As a student at CSU in the 1970s, I had no intention of getting into the energy business," said Smith. "I knew nothing about oil and gas, and I thought that oil gushed out of the ground like I saw in the movies."
He had become a successful real estate salesman, but knew he wanted a change. However, it wasn't until Smith invested in his first oil well that he fell in love with the business.
"The well turned out to be extremely successful and it launched me into one of the greatest industries that anyone could spend a career in."
When he first moved to Colorado from New York, Smith thought that the pumping jacks dotting the high plains were water wells until a CSU geology student explained the units were drawing oil from one of the largest fields in Colorado, the Spindle Field.
Undaunted by the unfamiliar, and fueled by his insatiable appetite for knowledge and a fierce work ethic, Smith began to seek out mentors who could help him understand the industry.
"I put in hours learning the business and read everything I could," said Smith. "Everything I could get my hands on."
"I literally learned the oil business by going out and watching wells get drilled, and in the oil business nothing happens during the day."
Responding to phone calls in the middle of the night, Smith would slip his boots on and drive along dark and dusty roads to visit active oil sites, discovering how data was collected and observing the operations.
A new company, a new direction
A view of the east entrance of CSU's chemistry building in the early 1970s, where Michael Smith spent time as a student. University Historic Photograph Collection, Colorado State University.
In 1981, Smith founded Basin Exploration to focus on drilling the new and emerging codell/niaera drilling play along the front range of Colorado. During a significant growth phase focused on drilling and acquisitions, the Spindle Field caught his eye.
"Ironically, I bought the whole field, all thousand plus wells that I once thought were water wells," said Smith.
But by the mid-90s, things began to shift. Small independent companies were having success in the shallow waters of the Gulf of Mexico using 3D seismic data analysis that could now be processed at workstations by smaller independents. Previously, the technology required super computers that were only available to the majors and very large independents.
So Smith made the difficult decision to move his company from the Front Range to the Gulf of Mexico, completely revamping the management of his company and bringing on expert geoscientists.
The success Basin Exploration found in the Gulf boosted the value of the company from around $50 million to a sale value of $410 million just five years later.
A pump jack at sunset. Image by Justin Vidamo.
Fast forward to present day and Smith is now the chairman and CEO of Freeport LNG, a liquefied natural gas company he founded in 2002.
Although decades had passed between the start of both companies, one thing stayed the same: change.
"How you respond to change will affect every one of you," said Smith, addressing students during the scholarship luncheon.
In 2005, when Freeport LNG started construction on its $1 billion import terminal, demand for foreign gas was forecast to grow, but then a technological breakthrough changed everything.
The rapid expansion of horizontal drilling coupled with multi-stage fracturing brought a glut of new fuel to the U.S. market.
So Smith made a decision: "We switched."
The company then began work on a $13 billion export facility to move the gas to foreign markets with great demand.
"I am not saying that change isn't scary – it is – but each time I confronted it and pushed forward I was better for it."
Regardless of how much uncertainty he faced at the helm of his companies, Smith always had the expertise he gained at CSU to support him.
Recognizing what it takes to have a fulfilling career, Smith's generous donation to the College of Business is helping to accomplish his goal of preparing the next generation of business leaders for success.
"The work that you do here as business students is the very foundation from which you will build your knowledge-base, allowing your future career to flourish.
"You should not fight change, and don't just accept it, but embrace it. Use it to your advantage to achieve greater success than you ever thought possible."
College of Business scholarships
Michael Smith's donation of $5 million will create 50 full-tuition scholarships available for incoming College of Business students.
Smith's gift will reach over 150 students in the next 50 years.
Thanks to over 1,000 scholarship donors, the College of Business recently awarded $894,000 in scholarships, an 88% jump from the year before.
Michael Smith greets dozens of his scholarship recipients during the 2016 College of Business Scholarship Luncheon on October 7, 2016
The College of Business at Colorado State University was founded in 1966 and consistently ranks among the top 10 percent of business schools in the nation. With over 2,300 undergraduate students in Fort Collins, and the largest MBA program in the state, the College of Business strives to fulfill the University's land-grant mission by increasing access to education, promoting research, serving the community and pursuing academic excellence.
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