text:
Github repository: https://github.com/ATTX-project/provenance-service

Considering a Microservices oriented system we identify two means of introducing a Provenance system in such a system:
* **Explicit Provenance** Making all services of that system provenance aware - meaning each service will have to send messages to the Provenance Services that contain provenance related information;
* **Implicit Provenance** Enable the system to capture in the communication between distinct services provenance related information and distribute it to the Provenance Service.

### Table of Contents
<!-- TOC START min:1 max:3 link:true update:true -->
  - [Overview](#overview)
  - [Building Provenance Service](#building-provenance-service)
    - [Graph Store Connection](#graph-store-connection)
    - [Message Broker Connection](#message-broker-connection)
  - [Environment Variables](#environment-variables)
  - [Service API Endpoints](#service-api-endpoints)
    - [health Endpoint](#health-endpoint)
    - [graph Endpoint](#graph-endpoint)
    - [prov Endpoint](#prov-endpoint)
  - [Request/response documents](#requestresponse-documents)

<!-- TOC END -->

## Overview

The Provenance Service REST API has the following endpoints:
* `graph` - managing interaction with the Graph Store and retrieving statistics about it (e.g. list of named graphs, number of queries);
* `prov` - endpoint for registering provenance information directly;
* `index` - index provenance information in Elasticsearch;
* `status` - status of a provenance job with a specific ID;
* `health` - checks if the application is running.

Current version: `0.2` (URL for the endpoint should take into consideration for the API `http://host:7030/version/endpoint`)

## Building Provenance Service

In order to work with the service start with:
* [Provenance Service source](https://github.com/ATTX-project/provenance-service) - contains information on building both the project and the  Docker image and testing from the source code;
* short tutorial on [Gradle](Building-with-Gradle.md).

### Graph Store Connection

The Provenance service requires a connection with the [Graph Store](Graph-Store.md).
A graph store connection is required in order to:
* perform operations on the graph data stored such as update and replace;
* query and retrieve graph data.

### Message Broker Connection

Provenance Service needs [RabbitMQ Message Broker](MessageBroker-RabbitMQ.md) in order to communicate with other services that want to register provenance information in the Graph Store.

### Elasticsearch Connection

In order to index provenance data into Elasticsearch, we require both the [Graph Framing Service](Service-Graph-Framing.md) and the [Indexing Service](Service-Indexing.md). The parameters for these services as as follows:
* alias: `attx`;
* document type: name graph in Graph Store e.g. if the named graph is `http://data.hulib.helsinki.fi/prov_workflow1_activity6` the document type is `workflow1_activity6`.

Provenance JSON-LD frame:
```json
{
  "@type": "http://www.w3.org/ns/prov#Activity",
  "http://www.w3.org/ns/prov#qualifiedAssociation": {
    "@explicit": "true",
    "http://www.w3.org/ns/prov#hadPlan": {
      "@explicit": true,
      "http://www.w3.org/2000/01/rdf-schema#label": ""
    }
  },
  "http://www.w3.org/ns/prov#qualifiedCommunication": {
    "@explicit": "true",
    "http://www.w3.org/ns/prov#activity": ""
  },
  "http://www.w3.org/ns/prov#qualifiedGeneration": {
    "@explicit": "true",
    "http://www.w3.org/ns/prov#entity": ""
  },
  "http://www.w3.org/ns/prov#qualifiedUsage": {
    "@explicit": "true",
    "http://www.w3.org/ns/prov#entity": ""
  }
}
```

## Environment Variables

* `MHOST` - container name or address for the MessageBroker-RabbitMQ database (defaults to `localhost`);
* `MUSER` - user name for MessageBroker (defaults to `user`);
* `MQUEUE` - provenance queue in the MessageBroker (defaults to `provenance.inbox`);
* `FRAMEQUEUE`- Graph Framing queue in the MessageBroker (defaults to `attx.ldframe.inbox`);
* `INDEXQUEUE`- Elasticsearch Indexing queue in the MessageBroker (defaults to `attx.indexing.inbox`);
* `MKEY` - password for MessageBroker (defaults to `password`);
* `GHOST` - Graph Store container name or address (defaults to `localhost`);
* `GPORT` - Graph Store port (defaults to `3030`);
* `GKEY` - Graph Store password (defaults to `pw123`);
* `DS` - Graph Store working dataset (defaults to `ds`);
* `FRAMEHOST` - container name for Graph Framing Service (defaults to `localhost`);
* `FRAMEVER` - version of the Graph Framing Service API (defaults to `0.2`);
* `FRAMEPORT` - port for the Graph Framing Service (defaults to `4303`);
* `INDEXHOST`- container name for the Elasticsearch Indexing Service (defaults to `localhost`);
* `INDEXVER` - version of the Elasticsearch Indexing Service API (defaults to `0.2`);
* `INDEXPORT` - port for the Elasticsearch Indexing Service (defaults to `4304`);
* `QTIME` - variable to set up the timer for publisher (defaults to 9 minutes and input must be integer).

## Service API Endpoints

### health Endpoint

* `health` GET API:
  * simple: http://localhost:7030/health reponds with `200` in order for other applications to know the service is running.

### graph Endpoint

* `graph/query`
    * Request:
    ```json
    {
      "namedGraph": "default",
      "query": "SELECT ?subject ?predicate ?object WHERE { ?subject ?predicate ?object} LIMIT 25"
    }

    ```
* `graph/update` POST API:
    * Request:
    ```json
    {
      "namedGraph": "http://data.hulib.helsinki.fi/attx/strategy",
      "triples": "<http://example/egbook3> <http://purl.org/dc/elements/1.1/title>  \"This is an example title\"."
    }
    ```
* `graph?uri={graphURI}`
* `graph/list` GET API
* `graph/statistics` GET API

### prov Endpoint

* `prov` POST API - register provenance message. The response is a status of a task if the message was processed along with a task ID
* `status/task/{task_id}` GET API - retrieved the processed provenance with a given task ID

## Request/response documents

See [Provenance examples](Examples-Provenance-Service.md)

redpajama_set_name: RedPajamaGithub


text:
FRC's Tony Perkins Cheers DOJ 'Religious Freedom' Task Force
Carlos Santoscoy
Tony Perkins, president of the Christian conservative Family Research Council (FRC), has praised Monday's announcement of a federal task force on "religious freedom."
U.S. Attorney General Jeff Sessions said Monday that the task force will implement guidance on "religious freedom" the Department of Justice issued last year. The Human Rights Campaign (HRC), the nation's largest LGBT rights advocate, described the task force as part of a campaign by the Trump-Pence administration "to license discrimination against LGBTQ people in the public square."
(Related: Jeff Sessions announces "religious freedom" task force.)
Perkins, who has close ties with the Trump administration and the Republican Party, praised the task force in a statement, saying that America is "witnessing a revival of freedom!"
"With initiatives such as this, it's clear that the Trump administration understands the dangers of government actors attempting to quarantine religious beliefs within the walls of a church instead of embracing their historical contributions to America's public good," Perkins said. "No American should have to restrict the practice of their faith to within the confines of their place of worship."
"I commend President Trump and Attorney General Sessions for safeguarding the freedom to live out one's faith in all areas of society without government punishment or intimidation. History makes clear, religious freedom is the key to a strong, stable and successful nation," he added.
The Family Research Council has been labeled a "hate group" by the Southern Poverty Law Center (SPLC) over its anti-LGBT rhetoric.
(Related: Groups opposed to LGBT rights take part in State Dept. religious freedom conference.)

redpajama_set_name: RedPajamaCommonCrawl


text:
2 Years In: Fighting Multiple Pandemics
Maya Hamilton, M.P.H
November 17, 2021 marks two years since, what researchers believe to be, the first case of COVID-19. In the past two years, COVID-19 infected, hospitalized, and caused the death of millions of people around the world. The virus disproportionately impacted communities of color and exacerbated health issues of those living with disabilities and comorbidities. Through it all, public health officials and health care workers were on the frontlines providing prevention, care, and treatment resources and services. Many had to make the decision to transition to the COVID-19 response from their fields of expertise, such as HIV/AIDS, hepatitis, STIs, and other infectious diseases. While the world prioritized the fight against the COVID-19 pandemic, the response to many other epidemics and pandemics suffered. Studies show that COVID-19 caused a decline in HIV testing and diagnosis and researchers fear that COVID-19 can cause a rise in HIV infections. COVID-19 also impacted access to hepatitis testing and treatment, with a 59% decrease in testing in April 2020 and a 43% decease in treatment in May 2020.
Today, two years into the pandemic, there have been lessons learned and health experts had to find a balance on how to combat COVID-19, wile also being steadfast in the fight against other infectious diseases. Public health officials, community leaders, scientists, health care workers, policymakers, and other essential stakeholders all united to develop innovative programming and policies that address COVID-19 and bring the fight against other epidemics back to the forefront. For instance, NASTAD and AIDS United were awarded with the CDC-supported funding opportunity, Expanding Syringe Services Programs (SSPs) Capacity to Respond to COVID-19. This opportunity provides NASTAD and AIDS United with resources that support SSPs and expand their capacity to provide COVID-19 vaccination, education, testing, and expanded services for additional adult vaccination for people who use drugs. The TakeMeHome program is another example of this type of programming. The TakeMeHome program addressed the decrease in HIV testing by mailing free rapid HIV self-tests directly to residents. The at-home test kits provided testing options during a time when the COVID-19 stay-at-home orders closed many HIV testing facilities. Programming and policies such as these are needed in order to provide balance in combatting COVID-19, HIV/AIDS, hepatitis, and other related epidemics.
The COVID-19 pandemic is not over, however, there have been many strides made towards eradicating it. In December 2020, Pfizer-BioNTech released a COVID-19 vaccine. Soon after, Moderna Therapeutics and Johnson & Johnson also released vaccines. From December 2020 to now, over three billion people around the world have been fully vaccinated and trends of COVID-19 cases and deaths have been on the decline. Public health officials and health care workers continue to navigate the pandemic and prioritize communities who are most impacted. We are now two years into the COVID-19 pandemic, and with focus and dedication, we can continue to see progress towards an end.
For COVID-19 updates and resources, visit: https://www.nastad.org/covid-19.


Monroe City Schools » News » What's New » Our New Teachers Are Back-To-School Ready!
Our New Teachers Are Back-To-School Ready!
Sixty-six new MCS teachers assembled at Carroll Junior High School on Friday, August 3, to get acquainted with Monroe City Schools and the various programs and tools within the district!
New teachers were introduced to representatives from APEL, MCEA, and Monroe Federation of Teachers and heard a welcome from Superintendet, Dr. Brent Vidrine. They then broke into sessions focusing on classroom management (led by Laura Maciaszek), Technology Tools (led by Jodie Moorhead), Policies and Procedures (led by Whitney Martin), and Insurance/Benefits (led by Fred Atkins).
During lunch, the new teachers were informed by a discussion panel featuring teachers who are fairly new to service in Monroe City Schools. Questions and answers helped prepare the new teachers for what to expect as they step in class the first day, how to use coworkers as a resource, how to set rules and procedures, and so much more! The panel, facilitated by Jacqueline Matthews and Rochelle Williams, featured Ebony Bailey, Shanae Herron, Joshua Mahmoodian, Robert Wright, A'Kai Solmone, April Palmer, Lucy McKenzie, Constance Clark-Wilson, Ortadius Brass, Jesse Flunder, and Briana Crockett.
Thank you to all who helped, provided refreshments, door prizes, and facilitated sessions. A big thank you to the faculty and staff of Carroll Junior High for hosting the event at the school!


text:
Fraeschels (FR)
Weather in Fraeschels (FR), CH (Weather Station)
Temperature -6 °C -3 °C -2 °C -2 °C -2 °C -1 °C 1 °C
Wind gusts 6.8 km/h 9.5 km/h 14.8 km/h 14.2 km/h 18.6 km/h 19.7 km/h 25 km/h
Temperature -1 °C 1 °C 2 °C 2 °C 2 °C 2 °C 2 °C 1 °C
Wind gusts 19.7 km/h 25 km/h 24.1 km/h 20.8 km/h 21.9 km/h 19 km/h 14.6 km/h 13.3 km/h
Feels like -4 °C -2 °C -1 °C -1 °C 0 °C 0 °C 0 °C -1 °C
Dewpoint -2 °C -1 °C 0 °C 0 °C 1 °C 0 °C -1 °C -1 °C
Temperature 1 °C 0 °C 0 °C 1 °C 2 °C 1 °C -2 °C -3 °C
Wind gusts 12.6 km/h 11 km/h 8.8 km/h 11.9 km/h 13 km/h 12 km/h 8.4 km/h 9.3 km/h
Avg. wind speed 4.2 km/h 3.3 km/h 4.4 km/h 4 km/h 4.2 km/h 4 km/h 2 km/h 3.5 km/h
Feels like 1 °C 0 °C 0 °C 1 °C 2 °C 1 °C -2 °C -3 °C
Temperature -3 °C -4 °C -4 °C -3 °C 0 °C 1 °C 0 °C -1 °C
Wind gusts 9.1 km/h 9.1 km/h 8.9 km/h 9.5 km/h 14.6 km/h 17.3 km/h 15.3 km/h 15 km/h
Temperature 0 °C -1 °C -1 °C 1 °C 3 °C 6 °C 5 °C 4 °C
Feels like -3 °C -3 °C -3 °C 1 °C 0 °C 4 °C 5 °C 2 °C
Dewpoint -3 °C -3 °C -2 °C -1 °C 0 °C -1 °C -1 °C -1 °C
Precipitation 6 l/m² 7 l/m² 0.1 l/m²
Data provided by reference station for severe weather Fraeschels (FR), 495m
+4.8 km - Ried bei Kerzers
+5.6 km - Mühleberg KKW
+11 km - Laupen (BE)
+12 km - Biel-Kappelen (BE)
Weather in Fraeschels (FR), 16.01.2021
On Saturday fair weather with scattered clouds will dominate. In the evening it will be cloudy, but mainly dry. Later clouds with light snowfall will prevail. Morning temperatures will be around -7 °C. During the day they will rise to a maximum of -2 °C. Low temperatures at night will be around -3°C. Southwesterly winds are weak.
In the early morning it will be widely overcast, but mainly dry. Before noon it will become overcast with light snowfall. The noon offers variable clouds with isolated showers of rain or snow. Morning temperatures will be around -3 °C. During the day they will rise to a maximum of 3 °C. Low temperatures at night will be around -1°C. Southwesterly winds are weak.


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Global Dating Company, Spark Networks, Expands Primary U.S. Brands Globally
NEW YORK, NY – April 10, 2018 – Today, Spark Networks, the leading global dating company with a portfolio of premium brands designed for singles seeking serious relationships, announced the global expansion of two of its core dating brands. Jdate, the premier Jewish dating platform, and Christian Mingle, the world's largest and most established Christian dating community, have both expanded services, languages, and local market support throughout Europe.
In response to user demand, the expansions are part of a broader initiative to further enable the global Jewish and Christian communities to connect, communicate, and find life partners in their native language. Originally available in English, Hebrew and French, Jdate is now also available in German and Spanish. Christian Mingle is now available in French, German and Spanish, in addition to English. Both Jdate and Christian Mingle will be rolling out Russian and Polish language and local support in the coming months.
"Jdate and Christian Mingle are undoubtedly the go-to resources when looking for love in Jewish and Christian communities, respectively, when looking for love, and we're so eager to expand the platforms to serve a global audience," said Jeronimo Folgueira, CEO of Spark Networks. "As these brands continue to grow, it is our commitment to ensure that anyone looking for love is able to connect in a simple way, in the language they feel most comfortable with. We'll be expanding to other countries and languages soon and are very excited for what's next."
About Spark Networks SE
Listed on the NYSE American LLC exchange under the ticker symbol "LOV", Spark Networks SE is a leading global dating company that specializes in premium brands designed for singles seeking serious relationships. The company's portfolio of online dating brands includes EliteSingles, Jdate, Christian Mingle, eDarling, JSwipe, SilverSingles, Attractive World, Adventist and LDS Singles, amongst others. Formed in 2017 through the merger of Affinitas GmbH (founded in 2008) and Spark Networks Inc. (founded in 1997)


Request prayer below and believe that God is going to move mightily in your life as others join you in prayer and agreement with your request! Share Your Prayer Request You may add your prayer request to our prayer wall using the form below.... What others are saying" Awesome idea for a youth room! A chalk wall for prayers!" "during 21 days of prayer set up a "wailing wall"" "A great way to make a Wailing Wall for people to post their pleas to God"
When you submit a prayer request, we will forward it to the prayer team. If you wish you remain anonymous, select anonymous below. If you wish you remain anonymous, select anonymous below. Please use the form at the bottom of the page to make a submission.... Purpose: To highlight the value and permanence of prayer. Activity: My home group recently finished a study on prayer, and I really wanted to bring it "home," so to speak. So my husband and I dedicated a wall in our house to prayer.
You may add your prayer request to our prayer wall using the form below. Only your first name and request will be shared, all other details are kept hidden. Once your prayer request is received, we will review it and share to your instructions. Please try to limit the length of your prayer requests so as many as possible can fit and be seen.
When you submit a prayer request, we will forward it to the prayer team. If you wish you remain anonymous, select anonymous below. If you wish you remain anonymous, select anonymous below. Please use the form at the bottom of the page to make a submission.


text:
Bill Gates — The Nostradamus of Pandemics
The Hypocrisy of Philanthropy
It is all over the news how Bill Gates predicted the current pandemic some years ago. The man is not an epidemiologist or a doctor, but one of his many charities focuses on pandemics. Therefore, he has become a Nostradamus for predicting this pandemic and the ones in the future.
I wonder if he foresaw how the Trump presidency would turn the greatest democracy on earth into a banana republic, because the federal government's efficiency does play a critical role in controlling the epidemic.
In 2009, when the H1N1 flu pandemic broke out in US, over 60 million people were infected and 12,000 people died between April 2009 to April 2010, according to the CDC website. Yet, we barely remember it, because the novice Obama administration managed it in a way that did not upend our daily lives, while trying to heal a cratered economy left behind by the Bush administration.
Yet, here we are today in the middle of a pandemic lockdown, where a thriving economy has come to a standstill, where governors and city mayors are scrambling for ventilators and other life-saving equipment, health workers are dangerously short of masks, isolation gowns and other PPE (Personal Protective Equipment), while FEMA has become useless, CDC bungled the testing, the Navy fired a captain who was only looking out for his crew, churlish Mr. Kushner says he won't help the states because these are "our" stockpiles, while over half a million people are infected and twenty-thousand people have died in a span of two months, in a continuing nightmare of growing infections and deaths, President Stable Genius is very happy with himself because his television ratings are up.
The reason this pandemic is as bad as it is, in our nation, has to do more with the bottomless ineptitude and corruption of the Trump administration than any prophecy. President Trump disbanding the team of pandemic experts and weakening the federal government by filling it with clueless loyalists, has more to do with the predicament our nation is in, than any prophecy.
In any previous administration, the federal government would have sprung into action early on to contain the crisis, instead of dilly-dallying wishing for miracles and sunny days. Once the problem was brought under control, the US government would have taken the lead in providing assistance to other nations in helping them cope with their crisis.
Therefore, I wish Mr. Bill Gates would focus on pressuring the Trump administration in doing its job properly, rather than rub our noses in the pandemic by saying, 'I told you so.'¹
If Mr. Bill Gates truly wants to help our nation, let him organize an initiative with the other wealthy people and force our government at various levels to help resolve the fundamental problems of perennial poverty in our nation. The predominant reason lot of people are suffering economically in this pandemic is because of deep income disparity, where a majority of people live precariously from paycheck to paycheck, several of whom have lost their jobs in the lockdown and the situation has become dire for many.
As a first concrete step to help our nation, I would like to see Mr. Gates take initiatives to reverse the 2018 tax law passed by the Trump administration, which was a giveaway to the ultra-rich. According to a 2017 article in Forbes, 50% of our nation's wealth is owned by Mr. Bill Gates, Mr. Warren Buffet and Mr. Jeff Bezos, while the rest of us have to make do with the remaining 50%.
Think about it – three households in our nation carve out half the pie for themselves, while 63 million households have to make do with the other half. Is it any wonder that a large number of the population are left without a single crumb? In the past two years, since the tax-giveaway, the gap has only grown wider, with Trump administration and the Republicans taking steps to gut the programs that protect the most vulnerable in our communities.
All of this renders moot, the idea of philanthropy as an act of generosity. When the wealthy few, tilt the functions of government in their favor, their magnanimity reeks of hypocrisy. If we think about it a lot of these wealthy philanthropists in our country are not giving away that much. What they are doing is using their wealth to control us in a different form.
For those government programs that gets de-funded, when the perpetually wealthy don't pay their fair share of taxes, they can always start a charity, to fill that need. Thus, these private individuals and their families can hold the rest of us beholden, because only they get to decide who gets what, how much and on what terms, as though they are kings and the rest of us are peasants at their mercy. If the wealthy and powerful stopped meddling with our democracy and ensured fairness, there would be less need for private charities and even if there were such charities, their generosity would be sincere and free of hypocrisy.
Therefore, instead of predicting the next pandemic, I wish Mr. Gates would explain to us about the hidden means through which the wealthy and the powerful fortify and expand their wealth, at the expense of the majority of American taxpayers. Let him explain what steps he would take to fix the problems created by this covert feudal system built by people like him who are hollowing out our nation and by extension vaporizing the American Dream.
If he doesn't know what is going on in our nation, I recommend that he take a session with Bernie Sanders, where he educates the audience about income inequality:
Bernie Sanders video on income inequality.
¹Note: Mr. Bill Gates never said, 'I told you so'. But given what we are going through, for him to go around saying that he predicted this pandemic years ago, when so many are sick and dying, for someone of his stature, seemed petty. So I used the phrase, 'I told you so', to show the effect his actions had on me. As such this is my interpretation of his actions, within the context. It is not something he said at all.
Ramblings on a word – Hypocrisy
April 13, 2020 December 30, 2021 corruption, hypocrisy, pandemic, Philanthropy
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Grants of up to $1,000 are available for any family whose child has been diagnosed with Aicardi Syndrome. Applicant(s) must demonstrate financial need (see website) and the grant funds must be used for the direct benefit of the affected child.
Examples of how families could use these grants include, but are not limited to: purchase of specialized equipment (including wheelchair accessible vehicles), home accessibility modifications, therapeutic services, respite, travel to/from the Aicardi Syndrome Family Conference, etc.


9-year-old Celine Tam is a huge fan of Celine Dion and she did her idol proud with a stunning rendition of "My Heart Will Go On" on the "America's Got Talent" auditions.
Definitely one of the best we've seen on this show ever.
The AGT 2017 auditions continue next week on NBC!
UP NEXT: Bulldog Throws Temper Tantrum Over Stolen Bed – Too Cute!


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As for their expense ratio, expect them to be fairly high. And their returns aren't exceptional, but they certainly provide stability.
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Drew Barrymore Authentic Nude
The Early Years: A blog site around Drew's early years growing up in an acting family.
Drew Barrymore had excellent success as a child starlet, and also has attained a brand-new level of recognition as an adult, starring in several effective flicks. She has actually also made a name for herself as a manufacturer of films and also director of a flick.
It is a blog concerning this excellent starlet. Blog Description: Drew Barrymore is an American starlet, supervisor, producer, talk show host as well as author. A member of the Barrymore family members of stars, she is the recipient of a number of honors, consisting of a Golden Globe and an Emmy.
1. Her job
4. Her newest duty
Drew Barrymore's career started at eleven months, when she showed up in a dog-food commercial. In Charlie's Angels, Barrymore, Cameron Diaz played the trio of detectives in Los Angeles. Barrymore was birthed into a movie industry household.
Her daddy, John Barrymore, was a well-known phase and display star, and also her mommy, Jaid, was an effective movie producer. Barrymore was close to her uncle John Drew Barrymore, that was additionally an actor.
At the age of 8, Barrymore made her film debut in Altered States, and at age eleven, she played Gertie in Steven Spielberg's E.T. the Extra-Terrestrial. In 1982, Barrymore starred in Irreconcilable Differences, and had a bit part in the movie variation of John Irving's The Hotel New Hampshire. In 1984, she appeared in Madman, and also in Gremlins.
Drew Barrymore is one of the most effective youngster stars of all time, generating countless bucks and also receiving vital honor for her efficiencies at a young age.
She's had her fair share of confrontations with the regulation, struggled with alcohol as well as cocaine misuse, and even checked herself into rehabilitation, however she's recovered as a grown-up and also is readied to show up in another Stephen King adaptation, this time around joining the cast of It.
Drew Barrymore's individual life has been a little a roller coaster ride, yet she's taken care of to find from it with her head held high. Her very first marriage, to bar owner Jeremy Thomas, ended after 5 years in 2000.
Shortly after the separation, Barrymore was associated with an on and off partnership with Tom Green that lasted until 2001. In 2001, Barrymore ended up being engaged to her previous hubby's relative, bar proprietor Lance Armstrong. Regardless of a significant connection that lasted five years, the two never ever married.
After breaking up with Armstrong, Barrymore had a quick love with Jimmy Fallon, and in 2004, she started a partnership with version Jason Bleick. The couple broke up in 2006. In 2009, Barrymore began dating actor John Mayer. In 2011, her involvement to Mayer was aborted. In 2012, Barrymore was connected to the creator of FabFitFun, Eden Sassoon.
Drew Barrymore's most current role is as a host of her very own daytime talk show. The show will broadcast on September 14, 2020, and also Drew has stated she is "ready to discuss a great deal of things." She's additionally claimed that she's mosting likely to be "chatting with a great deal of celebs and also VIPs."
The program will certainly be filmed in front of a live studio audience, yet Drew has stated that it will not resemble her films. She's likewise said that it's mosting likely to be extra like The Ellen DeGeneres Show. The Drew Barrymore Show will be an excellent program for celebrities due to the fact that it will certainly provide a possibility to share their side of the story.
Drew Barrymore has been a Hollywood wild youngster since she was a kid. Her early days made headings, as she was captured by paparazzi in a car with a much older man. She later confessed that she was smoking pot in the photo.
Barrymore's contumacy played itself out on screen and also in print. She created a photo as a manipulative teen seductress, starting with Poison Ivy. The film, based on DC Comics' imaginary character, developed her as a troublemaker, and also the media did the same. In response to the buzz, Barrymore told a press reporter, "I have no more idea what I'm doing as a 15-year-old than any person else. I'm not defiant."
Drew Barrymore is a popular American starlet. Drew Barrymore began her job as a kid actress in the late 1970s, and has actually been a well known name in the sector for more than a decade.
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text:
Regional Management (RM) Q3 2021 Earnings Call Transcript
By Motley Fool Transcribing – Nov 3, 2021 at 4:31AM
NYSE: RM
Regional Management
RM earnings call for the period ending September 30, 2021.
Regional Management (RM 0.81%)
Nov 02, 2021, 5:00 p.m. ET
Thank you for standing by. This is the conference operator. Welcome to the Regional Management Corp. third quarter 2021 earnings call.
[Operator instructions] And the conference is being recorded. [Operator instructions] I would now like to turn the conference over to Garrett Edson of ICR. Please go ahead.
Garrett Edson -- Investor Relations
Thank you, and good afternoon. By now, everyone should have access to our earnings announcement and supplemental presentation, which were released prior to this call and may be found on our website at regionalmanagement.com. Before we begin our formal remarks, I will direct you to Page 2 of our supplemental presentation, which contains important disclosures concerning forward-looking statements and the use of non-GAAP financial measures. Part of our discussion today may include forward-looking statements, which are based on management's current expectations, estimates and projections about the company's future financial performance and business prospects.
These forward-looking statements speak only as of today and are subject to various assumptions, risks, uncertainties and other factors that are difficult to predict and that could cause actual results to differ materially from those expressed or implied in the forward-looking statements. These statements are not guarantees of future performance, and therefore, you should not place undue reliance upon them. We refer all of you to our press release, presentation and recent filings with the SEC for a more detailed discussion about forward-looking statements and the risks and uncertainties that could impact the future operating results and financial condition of Regional Management Corp. Also, our discussion today may include references to certain non-GAAP measures.
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Reconciliation of these measures to the most comparable GAAP measure can be found within our earnings announcement or earnings presentation and posted on our website at regionalmanagement.com. I would now like to introduce Rob Beck, president and CEO of Regional Management Corp.
Rob Beck -- President and Chief Executive Officer
Thanks, Garrett, and welcome to our third quarter 2021 earnings call. I'm joined today by Harp Prana, our chief financial officer. In the third quarter, our strategic initiatives continued to fuel record growth and drive strong results. We posted $22.2 million of net income or $2.11 of diluted EPS, with very attractive returns of 7.1% ROA and 31.6% ROE.
We continue to grow our market share and once again experienced double-digit year-over-year growth in our net finance receivables and quarterly revenue, which were up 24% and 23%, respectively. We generated record sequential portfolio growth of $131 million in the quarter, leading to another all-time high in net finance receivables and quarterly revenue. The successes of our long-term strategic initiatives are evident. We built a growth company with a focused omnichannel strategy and proven consistent execution.
At the same time, we've derisked the business by investing heavily in our custom underwriting models and shifting more than 82% of our portfolio to higher-quality loans at or below 36% APR, enabling us to maintain a stable credit profile as we grow and deliver predictable superior results for our shareholders. In the third quarter, delinquency increased in line with expectations as government stimulus waned, but it's 4.7%, our 30-plus day delinquency rate is on par with the prior year and 180 basis points below third quarter 2019 levels. Our net credit loss rate during the quarter was 5%, the lowest in our history as a public company, a 280 basis point improvement from the prior-year period and a 310 basis point improvement from the third quarter of 2019. Our strategic investments in digital initiatives, geographic expansion and product and channel development, along with our proven omnichannel marketing engine, continue to drive substantial growth.
We originated a record $421 million of loans in the third quarter, which was up 35% over last year and 19% above 2019 pre-pandemic levels. This includes $129 million derived from our new growth initiatives. The loans originated through these growth initiatives are performing as expected with solid credit experience and strong net credit margins. Thanks to our improved digital pre-qualification experience, which we've now rolled out to all but one state in our footprint, we originated a record $48 million of digitally sourced loans in the third quarter, up 34% from the second quarter.
New digital volumes represented 28% of our total new borrower volume, with 57% originated as large loans. Our digital prequalification engine will continue to be integrated with new states as they roll out and with our existing and new digital affiliates and lead generators in the months ahead. Aside from our improved digital pre-qualification experience, we continue to test our new guaranteed loan offer product, which is an alternative to our convenience check loan product and provides online fulfillment with ACH funding into a customer's bank account. Within the next few months, we will also begin testing our end-to-end digital origination product, and we remain on pace to deliver an improved online customer portal and a mobile app in the early part of 2022.
As we continue to build on our omnichannel model and expand our digital initiatives, we made significant strides to further strengthen our team during the quarter with the addition of Chris Peterson as our first chief data and analytics officer. A strong data and analytics function can transform an organization, and we believe that it will be a key enabler in delivering our long-term strategies. We are confident that our investment in data and analytics will ultimately drive a step change in customer insight and engagement, transform products and services, enable better business decisions and risk management, and improve our core operations. In the third quarter, we also continued to grow our geographic footprint.
Near the end of the quarter, we entered Utah as we expanded our operations to the western U.S. As a reminder, we entered Illinois in the second quarter and as of the end of October, our first branch has reached $2.8 million in receivables in six months, and the four branches in the state have exceeded $9 million in receivables. We're confident in our ability to quickly gain a strong foothold in new geographies as we expand. In the coming months, we expect to enter a new state and open 10 new branches across our network, and we have plans to enter an additional five to seven new states by the end of 2022.
As we've noted previously, thanks to our new digital initiatives, including remote loan closing capabilities, the branches in these states will be able to maintain a broader geographic reach. This will result in higher average receivables per branch and the need for fewer branches, which we expect will drive greater operating leverage. In the third quarter, we assessed our legacy branch network and decided to lean further into our omnichannel approach by optimizing our footprint. To that end, we closed 31 branches in the fourth quarter, where there were clear opportunities to consolidate operations into a larger branch in close proximity, while still providing our customers with the best-in-class service they've come to expect.
These branch optimization actions will generate approximately $2.2 million in annual savings, which we'll reinvest in our expansion into new states. Along with our rapid growth, we continue to keep a firm handle on our balance sheet and credit quality. In October, we closed a five-year $125 million private securitization transaction at a fixed coupon of 3.875%, which enables us to fund loans above and below 36% APR. The transaction increases our percentage of fixed rate funding further diversifies our funding sources and strengthens our overall liquidity position.
Following the October securitization, our fixed rate debt as a percentage of total debt increased from 78% to 87%, with a weighted average coupon of 2.7% and an average revolving duration of nearly three years. Following the transaction, we also maintained $350 million of interest rate caps with strike rates of 25 to 50 basis points, covering $133 million in variable rate debt and future portfolio funding. In sum, we remain well positioned to fund our future growth and we're well protected against the risk of rising interest rates. As I noted earlier, our credit profile remains very strong.
We have achieved controlled growth with stable credit through prudent underwriting to our rigorous pre-pandemic standards and our ongoing investment in our custom scorecard. We have further protected our portfolio with the addition of enhanced verification processes implemented at the outset of the pandemic and the use of alternative data in our risk and response models to adjust for the impact of stimulus and forbearance programs. Across all product lines, FICO scores have increased since early 2020, and our highest growing customers make up a larger portion of our overall portfolio. As of September 30, approximately 87% of our portfolio had been originated since April 2020.
The vast majority of which was subject to enhanced credit standards that we deployed following the outset of the pandemic. Consistent with our loan portfolio growth, we built our allowance for credit losses by $10.7 million in the third quarter. And as a result, our allowance for credit losses reserve rate at the end of the quarter was 11.4%. Our $150.1 million of allowance for credit losses as of September 30 continues to compare quite favorably to our 30-plus day contractual delinquency of $61.3 million and includes a $15.5 million reserve for additional credit losses associated with COVID-19.
We released only $2 million of our COVID-related reserves in the third quarter as we continue to maintain a conservative stance as we monitor the impact of the delta variant, the pace of the economic recovery and the health of the consumer as the benefits of government assistance continue to dissipate. Looking ahead, absent any significant changes to the macroeconomic environment, we expect that our fourth quarter and full year 2021 NCL rates will be below 7%. Our allowance for credit losses will increase in the fourth quarter as the portfolio continues to grow, and we now anticipate that the reserve rate will return to pre-pandemic levels of around 10.8% by roughly mid-2022. Assuming the economic recovery remains on track, we believe that credit performance should remain strong into next year and that our 2022 NCL rate will be at or below 8.5% even as delinquencies continue to normalize off the recent historically low levels.
As we near the end of 2021, we remain in the strongest position in our history. Our net finance receivables are at record highs and loan demand remains robust as the economy recovers. We look forward to strong portfolio and top line growth as our strategic investments yield solid returns, and we continue to take market share. Based on our third quarter results, we're raising our expectations for full year 2021 net income to between 85 and $87 million, up from our prior range of $75 million to $80 million.
Our revised outlook reflects our strong third quarter core portfolio growth of 25.4% over the prior-year period, which outpaced the broader market. Our outlook also assumes the year-end net finance receivables will be approximately $1.4 billion, providing a strong jump-off point as we enter 2022 and further demonstrating the power of our omnichannel model. As a reminder, we're only providing a full year net income outlook for 2021 due to the unique circumstances we've encountered this year. We're having a record year and we're extremely excited for our long-term future.
Our omnichannel initiatives are working quite well for us, and we continue to invest broadly in our growth plans and digital capabilities. We'll bring our financial solutions to even in more states in the months ahead, while ensuring that our customers continue to receive outstanding service. And we'll continue to prioritize our credit quality, our balance sheet strength, and driving operating efficiencies, which will lead to more profitable growth, the return of excess capital to our shareholders, and sustainable long-term value creation. I'll now turn the call over to Harp to provide additional color on our financials.
Harp Rana -- Executive Vice President and Chief Financial Officer
Thank you, Rob, and hello, everyone. Let me take you through our third quarter results in more detail. On Page 3 of the supplemental presentation, we provide our third quarter financial highlights. We generated net income of $22.2 million and diluted earnings per share of $2.11, driven by significant portfolio and revenue growth, stable operating expenses, low funding costs, and a healthy credit profile.
The business continued to produce attractive returns with 7.1% ROA and 31.6% ROE this quarter and 7.8% ROA and 32.4% ROE year to date. We continue to demonstrate our ability to drive revenue to our bottom line and generate strong returns. As illustrated on Page 4, branch originations were well above the prior year as we originated $268 million of branch loans in the third quarter, 18% higher than the prior-year period and 3% higher than 2019. Meanwhile, direct mail and digital originations also increased nicely year over year to $152 million, 80% higher than the prior year and 66% higher than 2019.
Our total originations were a record $421 million, up 35% from the prior-year period and 19% higher than 2019. Notably, our new growth initiatives drove $129 million of third quarter originations and have become a significant factor in our accelerating expansion. Page 5 displays our portfolio growth and mix trends through September 30. We closed the quarter with net finance receivables of $1.3 billion, up $131 million from the prior quarter and $255 million from the prior-year period as we continue to successfully execute on our omnichannel strategy, new growth initiatives, and marketing efforts.
Our core loan portfolio grew $132 million or 11% from the prior quarter and $263 million or 25% from the prior-year period as we continue to take market share. Large loans and small loans grew 12% and 10% on a sequential basis. For the fourth quarter, we expect demand to remain strong and to generate healthy quarter-over-quarter growth in our finance receivables portfolio, resulting in year-end net finance receivables of approximately $1.4 billion. On Page 6, we show our digitally sourced originations which were 28% of our new borrower volume in the third quarter as we continue to meet the needs of our customers through our omnichannel strategy.
During the third quarter large loans were 57% of our new digitally sourced originations. Turning to Page 7. Total revenue grew 23% to a record $111.5 million. Interest and fee yield increased 50 basis points year over year, primarily due to improved credit performance across the portfolio, resulting in fewer loans and nonaccrual status and fewer interest accrual reversals.
Sequentially, interest and fee yield and total revenue yield each increased 40 basis points due to credit performance and the growth in our small loan portfolio in the third quarter. As of September 30, 67% of our portfolio was comprised of large loans and 82% of our portfolio had an APR at or below 36%. In the fourth quarter, we expect total revenue yield to be approximately 70 basis points lower than the third quarter and our interest and fee yield to be approximately 50 basis points lower due to the continued mix shift toward larger loans and the impact of nonaccrual loans as credit continues to normalize. Moving to Page 8.
Our net credit loss rate was 5% for the third quarter, a 280 basis point improvement year over year. Net credit losses were also down 240 basis points from the second quarter due to improving economic conditions and our lower delinquency levels. We continue to expect that our full year net credit loss rate will be below 7%. Flipping to Page 9.
The credit quality of our portfolio remains strong, thanks to the quality and adaptability of our underwriting criteria and the performance of our custom scorecards. 30-plus day delinquencies have begun to normalize as expected. Our 30-plus day delinquency level as of September 30 was 4.7%, an increase of 110 basis points versus June 30, but comparable to the prior year and 180 basis points below 2019 levels. Our 90-plus day delinquency level increased only 40 basis points sequentially and remains below third quarter 2020 and 2019 levels.
Moving forward, we expect delinquencies to continue to rise gradually toward more normalized levels. Absent any significant change to the macroeconomic environment, we expect strong credit performance into 2022. And we anticipate that our 2022 NCL rate will be at or below 8.5%, even as the historically low delinquencies continue to normalize. Turning to Page 10.
We ended the second quarter with an allowance for credit losses of $139.4 million or 11.8% of net finance receivables. During the third quarter of 2021, the allowance increased by $10.7 million to $150.1 million to support our strong portfolio growth, but the allowance as a percentage of net finance receivables decreased to 11.4%. The allowance increase in the quarter consisted of a base reserve build of $12.7 million to support our portfolio growth and a COVID-related reserve release of $2 million due to improving economic condition. We continue to maintain a reserve of $15.5 million related to the expected economic impact of the COVID-19 pandemic.
As a reminder, as our portfolio grows, we will build additional reserves to support new growth. We continue to reduce the severity and the duration of our macroeconomic assumptions given the stronger economy. We expect that the reserve rate at year-end will be comparable to current levels and will normalize to pre-pandemic levels of approximately 10.8% by around mid-2022. Our $150.1 million allowance for credit losses as of September 30 continues to compare very favorably to our 30-plus day contractual delinquency of $61.3 million.
We are confident that we remain appropriately reserved. Flipping to Page 11. G&A expenses for the third quarter of 2021 were $47.8 million, up $4 million or 9% from the prior-year period, driven by increased investment in our new growth initiatives, personnel, and omnichannel strategy. G&A expenses for the third quarter also included $0.7 million of expenses related to the consolidation of 31 branches as a part of the company's branch optimization plan and the $3 million benefit related to the deferral of digital loan origination costs, of which $1.5 million was incremental to the quarter.
On a sequential basis, our G&A expenses rose $1.4 million. Overall, we expect G&A expenses for the fourth quarter to be approximately $54 million as we continue to invest in our digital capabilities, our geographic expansion into new states and personnel to drive additional sustainable growth and improved operating leverage over the longer term. Fourth quarter G&A expenses will include an estimated $0.9 million of branch optimization expenses. Turning to Page 12.
Interest expense was $8.8 million in the third quarter or 2.8% of our average net finance receivables on an annualized basis. This was a $0.5 million or 70 basis point improvement year over year. The improved cost of funds was driven by the lower interest rate environment and improved costs from our recent securitization transactions. We currently have $450 million of interest rate caps to protect us against rising rates on our variable price debt, which as of the end of third quarter totaled $219 million.
$350 million of the interest rate caps at a one-month LIBOR strike price between 25 and 50 basis points and a weighted average duration of 2.3 years. As rates fluctuate, the value of these interest rate caps will be mark-to-market value accordingly. Looking ahead, we expect interest rate expense in the fourth quarter to be approximately $10 million, excluding mark-to-market impact on interest rate caps, with the increase in expense attributable to the growth in our loan portfolio. Page 13 is a reminder of our strong funding profile.
Our third quarter funded debt-to-equity ratio remains at a conservative 3.5 to one. We continue to maintain a very strong balance sheet with low leverage and $150 million in loan loss reserves. As of September 30, we had $722 million of unused capacity on our credit facilities and $194 million of available liquidity, consisting of unrestricted cash and immediate availability to draw down our credit facilities. As a reminder, in October, we closed our seventh securitization, a private $125 million transaction that has a five-year revolving period and a fixed coupon of 3.875%.
The new securitization enables us to pay down higher cost variable rate debt, provides us with additional fixed interest rate certainty, and allows us to fund multiple product types, both above and below 36% APR. Following the securitization, our fixed rate debt as a percentage of total debt increased from 78% to 87%, with a weighted average coupon of 2.7% and average revolving duration of nearly three years. Our effective tax rate during the third quarter was 23% compared to 27% in the prior-year period. For the fourth quarter, we expect an effective tax rate of approximately 25%, excluding discrete items, such as tax impacts associated with equity compensation.
The company's board of directors has declared a dividend of $0.25 per common share for the fourth quarter of 2021. The dividend will be paid on December 15, 2021 to shareholders of record as of the close of business on November 24, 2021. In addition, during the quarter, we repurchased 390,112 shares of our common stock at a weighted average price of $56.32 per share under our $50 million stock repurchase program. We continue to be extremely pleased with our outstanding performance throughout the year, a robust balance sheet, and our near and long-term prospects for growth.
That concludes my remarks. I'll now turn the call back over to Rob.
Thanks, Harp. And as always, I'd like to thank the Regional team for their hard work and exceptional execution. I'd also like to thank our investors for their continued support. In summary, it was another outstanding quarter for Regional.
Our omnichannel operating model, new growth initiatives, and superior credit profile continue to set us apart from our competition. We're a growth company at a value price, and we hope that you're as excited as we are about our future and the focused omnichannel strategy that we've developed. We'll continue to execute on our key strategic initiatives, positioning us to sustainably grow our business, expand our market share, and create additional value for our shareholders. We look forward to continuing to provide our shareholders with predictable, consistent, and high-quality returns.
Thank you again for your time and interest. I'll now open up the call for questions. Operator, could you please open the line?
Thank you. [Operator instructions] The first question comes from John Hecht with Jefferies. Please go ahead.
John Hecht -- Jefferies -- Analyst
Hey, guys. Thanks. Afternoon. Thanks for taking my questions.
Yeah. Quite a bit of growth in the digital channels. I'm wondering, can you -- is there any different characteristics you're seeing with the sizes of loans or anything you're seeing in terms of like as a seasoned delinquency migration with those relative to in-store loans?
Yeah. Thanks, John. Hey. And how are you doing? Yeah. On the digital side, it really is just activation around the growth initiatives as we've continue to add new channels, new digital affiliates, and lead aggregators.
Obviously, through those channels, it's a mix of small and large loans. From a percentage standpoint, 57% of those digital loans were large loans. So we've got a good mix, not quite consistent with the mix of our overall portfolio in terms of large loans, but still a healthy mix of large loans. And it's a great feeder channel for small loans.
As you know, we bring customers in at a higher rate in smaller loans and then able to see their on us credit behavior with us and then graduate them up to larger loans in the future. So we started to grow our small loan portfolio last quarter, and we continued it this quarter. And while we're still going to continue to shift our mix to large loans, it's nice to have that growth on the small loan portfolio again and support the yield. From a credit performance standpoint, all our growth initiatives, including what we're doing on digital, are performing right on our model expectations and leading to strong net credit margin.
So we're really pleased with the digital channel overall.
OK. And then you guys talked about continued branch of -- well, you continue to optimize branches and make investments in digital initiatives. Maybe talk about -- those are kind of offsetting investments versus savings in branch. Maybe talk about like what do we think about kind of how that affects total expenses as we kind of go into '22?
Yes. We're not really giving guidance specifically on '22 investments, although I will tell you that we'll continue to lean into our growth initiatives. As you can see, they've paid off handsomely in the quarter, we generated $129 million, roughly 30% of our $420 million originations came from these growth initiatives. So I think the way to look at the branch optimization is, in the past, we've closed eight to 10 branches a year.
This year, we'll probably close a total of 34. We closed three earlier in the year. The way you think about the 31 that we closed is we're leaning into our omnichannel model. We've assessed if we look at the performance of our new states and larger branches.
And we looked at our existing branch network where we could optimize performance. Take smaller branches that were in close proximity, combine them, create a larger branch which are more efficient to run and not lose anything on the performance side. In terms of how we're going to deploy our capital going forward or our investment, it's going to continue to invest in the core areas I've talked about, which is digital innovation, geographic expansion, and new products and channels. All of which we're leaning into and will require investment into next year.
OK. And then just final question. Just remind me, Utah, you're going in with branches or just digitally? And I guess on that same topic, are you able to go into new geographies just digitally or do you kind of internally require a branch to be there as well?
No. That's a great question. So yes, Utah, we're in with one branch to start. We have four in Illinois.
So the four in Illinois which I noted, they already have $9 million of balances after six months, and the largest is $2.8 million, which is a mature branch after five years is $3.7 million. So our light footprint approach into new states is really doing well. So as we look into Utah, we'll certainly look to add some more branches. That will be the go-forward model in most of our new states.
But I will tell you, once we roll out our end-to-end digital originations product in the first quarter, which we'll start testing relatively soon, that does give us the opportunity for certain states, particularly where rates are lower and margins may not be as wide to be able to enter those states digitally and skim off the best customers in a very efficient way. We haven't done it yet, but the opportunity exists once we get our digital investments where we want to be.
Great. Appreciate that. Thanks, guys.
Thank you. [Operator instructions] The next question comes from Sanjay Sakhrani with KBW. Please go ahead.
Steven Kwok -- KBW -- Analyst
This is actually Steven Kwok in for Sanjay. Thanks for taking my questions. The first one I had was just around credit, particularly around delinquency rate. Just wanted to get a sense of what are you seeing from the health of the consumer.
And as we look out over the near to intermediate term, do you think we can get back toward the 2019 delinquency and charge off levels? Or do we -- do you think like given your new -- newer mix of receivables that it could be perhaps a little bit different?
Yeah. Hey, Steven. How are you? Great question. Look, what we're guiding to, look, there's still uncertainty out there.
We all know that. But what we're looking and seeing is the customer has kind of come into this post stimulus air with very strong balance sheet. We're starting to see the normalized credit. We said last quarter that delinquencies would start to rise, and that's exactly what we're seeing.
And look, I anticipate over the next 12 months that delinquencies will normalize. I think NCLs, which we said should be at or below 8.5% next year, may not fully normalize until maybe 18 months out. So it's a little hard to predict. But what I would say is as we continue to enhance our custom scorecards as we continue to grow our large loan portfolio and improve the quality of our portfolio.
I mean, I should point out, 82% of our portfolio is below 36%. That's a big shift over the last several years in terms of the quality of our portfolio. So I'm not going to get too far over my skis, but I think that we may see normalization lower than where we were in the past. How much I can't give you that right now.
Got it. Got it. Thanks for the color. And just a follow-up around the expenses. I know for this quarter, you had guided to about $52 million, and you came in at about $48 million on the expense side.
Can you just talk about where the savings that you're getting? And then how much more runway there is going forward? Because it seems like you've been doing a lot better on the expenses each quarter as well. Thanks.
Hey, it's Harp. So I'll take that question. So the largest driver of where we guided to last quarter which was $52 million and then the $48 million roughly that we came in at was the deferral of digital marketing costs. So that $3 million that I talked about in the prepared remarks, so that decreased our expenses in the third quarter.
Of that, $1.5 million was within the quarter. And then the other $1.5 million was the accumulation of first quarter and second quarter. So $1.5 million was incremental to the quarter for the total of $3 million. So that reduced the expenses in third quarter, down to the $48 million versus the $52 million that we've given in guidance.
For fourth quarter, we are guiding up to $54 million. And that has to do with $0.9 million of branch optimization costs which will be in the fourth quarter as well as continued investment in our capabilities.
Great. Thanks for the color.
This concludes the question-and-answer session. I would like to turn the conference back over to Rob Beck for any closing remarks.
Thank you, operator, and thanks, everyone for joining. Look, stepping back, the business performed exceedingly well this quarter, breaking records on quarterly revenue, portfolio growth, total and digital originations, ending receivables and quarterly low NCLs. As we said last quarter, we expected delinquencies and losses to normalize over the next 12 months or so. We have controlled our growth with stable credit through prudent underwriting.
We're underwriting at rigorous pre-pandemic levels using our enhanced scorecards as well as enhanced income and employment verification process since the start of the pandemic and using alternative data to impact our decisioning. Our new auto secured underwriting, as an example, we adjusted for very early in the launch of our product because we believe inflated used car prices are inflated. I'm not sure everybody else has done that. And look, the performance to date has been fantastic.
So an example of how well our new initiatives are performing, the first 1,200 auto secured loans, only two are currently in a delinquency stage. So net-net, as I said in the prepared remarks, we have built a growth company with a focused omnichannel strategy and proven consistent execution. We are focused on digital innovation, geographic expansion, and new products and channels to drive our growth. At the same time, we have derisked the business by investing heavily in our customer -- custom underwriting models and shifting more than 82% of the portfolio to higher-quality loans at or below 36%, enabling us to maintain a stable credit profile as we grow and deliver predictable superior results for our shareholders.
Thanks again for joining this evening. All the best.
[Operator signoff]
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What better way to explore the island's rugged, windswept north than on a ship designed to skim over the land? For those seeking a new adventure, landsailing is remarkably easy to pick up. Reach up to 30mph at speeds three times that of the wind, master 360 degree turns and race your friends for an exhilarating afternoon that's the most fun you can have in Aruba without getting wet.
Sweeping manta rays, whisking pockets of brightly coloured, neon fish, the looming hulls of long-sunken ships; learning to dive in Aruba will unveil an alien landscape of new discoveries. Beginners can take certified scuba lessons, or those who want to dive right in can hire a snorkel and head for one of the shallower sites.
It might not sound so strenuous, but hiking semi-arid terrain under the hot Aruba sun is not for the faint of heart or weak of limb. You'll need to pack some stout shoes, but if you do choose to hike some of the 29 miles of trail, you'll be rewarded with plenty to explore, from the abandoned gold mines, and desert cacti to a panoramic view from atop Jamanota, the island's highest point.
Once you have had your fill of adventure, there's plenty in Aruba to soothe a weary, post-thrill swashbuckler. Sharpen up and ship out to one of the island's casinos to channel James Bond, or enjoy a resort dinner show. The likelihood is you have earned it.


Grounding and Bonding is one of the most important and least understood article in the NEC - it's very important to understand the difference between grounding and bonding in order to correctly apply the provisions of Article 250. Surveys have repeatedly shown that a high percentage of power quality problems are due to improper grounding or bonding, and there's no better way to learn than from AETech Electrical Trainig Center.
Few articles can match Article 250 for misapplication, violation and misinterpretation. This program is unique in its ability to explain grounding, bonding and the difference between them, in such a clear and precise manner.
This course is approved for continuing education Code credit for electrician license renewal in a number of states, including: SD, WY, NE, MT, IA . Other states accept our class based on the SD or one of the other pre-approvals and it's accepted as non-code, industry related in some states.
Illustrations taken from Mike Holt's 2017 Grounding-vs-Bonding book will be used, interspersed with applications of the code to review the use of code tables for Article 250.Many electricians also take this class as a good review and update on the NEC, even if they do not need the continuing education hours for license renewal. Either way, keeping updated on the electrical code and furthering your knowledge of grounding and bonding will enable you to be more competent at your job.


Book your Roma accommodation today for this years Easter in the Country. Entering its 29th year, this 5 day festival held from the 24th to the 28th March 2016 is a celebration of all things country. With a wide range of activities planned, there is something for everyone. From the wife carrying competition to the night rodeo and bull ride or the billy cart races to the street parade head to Roma to enjoy the atmosphere the Maranoa has to offer. Get in quick to secure your accommodation in Roma for this Easter celebration.
Roma Central Motel is the ideal choice in accommodation for your visit during Easter in the country. Choose from a range of room types, all with kitchenette, air conditioning, dining table, foxtel, sofa and bathroom amenities. This newly completed motel is ideally located on the main highway on the corner of Bowen and Gregory Street, a short walk to the CBD. You will find great dining options, shopping and a number of hotels within easy walking distance. Perfect for visitors to Roma during the annual Easter in the Country, leisure and corporate travellers.
Ring us today to make your Roma accommodation booking for this years upcoming Easter in the country 5 day festival. join us for this celebration of all things country.


Businesses that operate in the oil, gas and mining industry need a communication plan with unmatched reliability. They need a powerful network with the ability to support a wide range of applications for oilfield communications, from VoIP and satellite Internet VPN to streaming data and video. They need broadband satellite Internet from Skycasters included in their communication plan.
Satellite Internet access is often an essential part of oilfield communications and can be included in a drilling plan. Our iDirect® Premium Metered Service Plans offer maximum satellite internet data with maximum value. Notice that all of our shared service plans contain a. You see, while most companies make empty promises about transmission speeds, Skycasters makes guarantees with our oil, gas, and mining service plans.
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National, state, and local Government customers can now receive GSA Schedule discounts on all plans. Have someone contact me here to learn more about Skycasters GSA schedule Internet service prices.
See below for oil, gas, and mining service plans and Internet service prices.
iDirect® Premium Metered Service: Guaranteed Speeds*.
* – Download Guaranteed speeds require a receive signal strength above 6.0db (Modulation of QPSK 4/5).
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iDirect® Unlimited: Unlimited plans, fixed rate. Fixed contention ratio of 20:1, 10:0, or 5:1.
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7– Charged for any day with greater than 10 megabytes of data. When testing, please limit usage to under 10 megabytes of data to avoid the Daily Use Rate.
Skycasters can tailor any oil, gas, and mining service plan to meet the unique needs of your operation. Contact us at 330-785-2100 to speak with a Skycasters expert. Or click here to take an online analysis of your needs and you'll be on your way to a customized satellite Internet solution for your oilfield communications or drilling plan.
** – Nights & Weekend are times outside Monday through Friday, from 7:00 AM to 7:00 PM Eastern..
3 – Equipment price shown above reflects $1,000 discount for signing a two-year Premium Metered service agreement. Early termination fees apply.
4 – Be aware that the network requires 65 MB per month to manage and monitor remote sites.
5 – Peak-Time is defined as weekdays, from 7:00 AM Eastern to 7:00 PM Eastern.
6 – The customer is responsible for any overages incurred as a result of viral infection or unsolicited traffic from the public internet.
7 – Charged for any day with greater than 10 megabytes of data. When testing, please limit usage to under 10 megabytes of data to avoid the Daily Use Rate.


Our fashion client is a world-renowned, award winning designer of luxury accessories and ready to wear. They're looking to start a Sr Digital Designer on an on-going freelance assignment ASAP.
• The Sr. Digital Designer supports the Sr. Art Director with redesign of a major consumer facing e-commerce website.
• The Sr. Designer will be responsible for designing the interface and its paradigms for website as that affects the brands overall digital properties as well as overseeing site photography direction and execution.
• Senior Designer will oversee a designer and junior designer and together will also be tapped to support campaigns as needed for licensing and special projects as the site design.
• Support overall site design and updates in partnership with UX agency as this contributes to the evolution of customer experience and brand projection.


To the InterfaceCustomerModel's GetCustomerNameWithWildcard and GetCustomerList methods, the application apples the Logging Handler through the InterfaceModelPolicy declared in the configuration. This policy generates messages in the audit.log file and in the Windows Event Log.
To methods with any name that take a single parameter of type System.String, the application apples the Logging Handler through the AttributeModelPolicy declared in the configuration. This policy also uses a Namespace Matching Rule, and so it selects only the GetCustomerName and GetCustomerDetails methods of the AttributedCustomerModel class. This policy generates only audit.log file messages.
Figure 6. Event Log Entries: Here's a Logging Handler entry in the Windows Event Log.
You can see that the audit.log file message contains a wealth of information, including the target type name, method name, parameters, return value, call duration (Call Time), and more. You can configure for more or less information using the Logging Handler settings, or in the Logging Application Block section.
The call to the GetCustomerNameWithWildcard method also generates "Before" and "After" entries in Windows Event Log, containing the same information as the audit.log file entry. Figure 6 shows the same "After" message generated by the Logging Block in Windows Event Log.
The ApplyNoPolicies attribute overrides the configuration, and prevents the block from applying the configured policy to this member.
There are many ways that you can set up validation using the Validation Application Block, in particular by creating Rule Sets that can customize the validation error message. There is also a huge range of validation types you can take advantage of in your application configuration, or as validation attributes on parameters.
Author's Note: If you decide to experiment with the example by validating methods of the InterfaceCustomerModel class (such as GetCityList) using attributes, you must apply the [ValidationCallHandler] attribute to the method declaration in the concrete InterfaceCustomerModel class, but apply the validation attributes such as a [RangeValidator] to the declaration of the method in the ICustomerInterface. This is required because, as you saw earlier, the Policy Injection Application Block cannot see the original class through the proxy it creates.
In this article you have seen one of the latest additions to Enterprise Library—and its use within a simple ASP.NET example application. Microsoft's patterns & practices group added a raft of new and updated features to version 3.0 of Enterprise Library, including the Policy Injection Application Block described here—a new block that provides a flexible, configurable, and extensible solution for managing crosscutting concerns in enterprise-level applications.
The Policy Injection Application Block allows developers, administrators, and operators to change the behavior of business objects and target classes by injecting a pipeline containing handlers between the client application code and members of the target class. These handlers can help to minimize crosscutting concerns by implementing tasks such as validation, caching, logging, and authorization with no extra effort required by developers or administrators. Instead, the handlers integrate with the other application blocks within Enterprise Library and take advantage of the features they expose.
Developers can hard-code policies into objects using attributes, and administrators can add, remove, or modify policies using the configuration tools. In conjunction with new Group Policy configuration management capabilities within Enterprise Library, The Policy Injection Application Block provides a simple to use, yet enterprise-wide and powerful technique for managing ancillary tasks and crosscutting concerns.
In addition, developers can extend the Policy Injection Application Block by creating new handlers, handler attributes, and matching rules. They can even modify the block to change the interception and pipeline injection mechanism to suit their specific requirements.


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K–12 school funding and resource allocation: The effect of White flight on education funding among public school districts in Rust Belt states
by Gibson, John A., Ed.D. Northern Illinois University. 2010: 128 pages; 3439665.
Classifying Changes in Neighborhood Racial Composition: St. Louis City and St. Louis County, 1970-2010
by Jones, Matthew, M.S. Southern Illinois University at Edwardsville. 2018: 169 pages; 10844022.
White sow, white stag, and white buffalo: The evolution of white animal myths from personal belief to public policy
by Selnick, Christa N., M.A.L.S. Georgetown University. 2012: 134 pages; 1509148.
Statistical Analysis of the Uncertainty in Pre-Flight Aerodynamic Database of a Hypersonic Vehicle
by Huh, Lynn, Ph.D. North Carolina State University. 2012: 102 pages; 3538541.
African-American women pilots' perceptions of barriers to success in flight-training and strategies to enhance their presence
by Sulton, James E., III, Ed.D. Pepperdine University. 2008: 163 pages; 3311325.
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Black-white, black-nonblack, and white-nonwhite residential segregation in U.S. metropolitan and nonmetropolitan areas, 1990-2010
by Pressgrove, Jed Raney, M.S. Mississippi State University. 2013: 173 pages; 1548634.
Levels of Variation in Evening Grosbeak (Coccothraustes vespertinus) Calls and Morphology
by Haiman, Aaron Nathan Kositsky, M.S. University of California, Davis. 2011: 57 pages; 1502353.
Why can't a woman fly?: NASA and the cult of masculinity, 1958–1972
by McComb, Erinn Catherine, Ph.D. Mississippi State University. 2012: 320 pages; 3505392.
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by Salas Atwell, Meghan, Ph.D. The George Washington University. 2011: 198 pages; 3460344.
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by Emery, Brian, Ph.D. Northcentral University. 2011: 351 pages; 3489209.
White students' understanding of race: An exploration of how white university students, raised in a predominately white state, experience whiteness
by Smith, Barbara A., Ed.D. The University of Maine. 2014: 236 pages; 3581320.
The Effects of Exercise Induced Oxidative Stress and Age on Mitochondria Damage in the Honey Bee, Apis mellifera
by Oyler, Jennifer, M.S. Southern Illinois University at Edwardsville. 2014: 50 pages; 1558009.
An investigation of the accuracy of empirical aircraft design for the development of an unmanned aerial vehicle intended for liquid hydrogen fuel
by Chaney, Christopher Scott, Ph.D. Washington State University. 2014: 150 pages; 3684755.
A Usability and Learnability Case Study of Glass Flight Deck Interfaces and Pilot Interactions through Scenario-based Training
by De Cino, Thomas J., II, Ph.D. Nova Southeastern University. 2016: 242 pages; 10036410.
Flight-by-flight stress spectrum development methodology for aircraft structural life assessment
by Baek, Seil, Ph.D. State University of New York at Binghamton. 2012: 120 pages; 3556798.
Forcing progress: The struggle to integrate southern Episcopal schools
by Morris, Wade H., Jr., M.A.L.S. Georgetown University. 2009: 145 pages; 1462699.
Dwight Eisenhower's leadership during the U-2 affair
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Representations of history in African diasporic literatures and the politics of postmodernism
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Runaway Slaves and the Making of Georgia
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Negotiating Freedom: Reactions to Emancipation in West Feliciana Parish, Louisiana
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Unmanned Aircraft Systems (UAS) and Photogrammetrics as a Tool for Archaeological Investigation in 19th Century Historic Archaeology
by Calkins, Adam T., M.A. University of Nevada, Reno. 2017: 135 pages; 10282879.
Inconceivable Saviors: Indigeneity and Childhood in U.S. and Andean Literature
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Cloud Dynamics and Microphysics during CAMPS: A Comparison between Airborne and Mountaintop Cloud Microphysics
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The comparative benefits and hazards of EFBs and paper documents in the cockpit
by Sweet, John, M.S. California State University, Long Beach. 2016: 99 pages; 10111166.
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Welcome to Argentina. You will meet your expedition team and ship mates at the port of Ushuaia this afternoon. Embarkation will take place at approximately 3.00pm. Then it's set sail for adventure as your ship makes it's way up the Beagle channel towards open waters.
Please note, no arrival transfer or hotel accommodation is included in this voyage fare. Full details of the joining instructions will be sent to you 4 to 6 weeks before departure.
Disembarkation will take place after breakfast today.
No transfers are included at the end of your voyage. Your trip ends on disembarkation in Ushuaia.
There are currently no scheduled departures on our Antarctic Explorer from Ushuaia 10 day trip. If you are interested in other trips in the region visit one of the links below.


text:
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Concise information on the taxation issues you need to consider for both unincorporated and corporate businesses. Click on the links below to access the relevant information.
Business motoring - tax aspects
This factsheet focuses on the current tax position of business motoring, a core consideration of many businesses. The aim is to provide a clear explanation of the tax deductions available on different types of vehicle expenditure in a variety of business scenarios.
The cost of purchasing capital equipment in a business is not a tax deductible expense. However tax relief is available on certain capital expenditure in the form of capital allowances.
Cash basis for the self-employed
Small unincorporated businesses can calculate their profits for tax purposes on a cash basis rather than the normal accruals basis. We look at the optional rules that allow for this, while also taking in the key tax points.
Companies - tax saving opportunities
Pre-year end tax planning is an important consideration and this factsheet outlines some of the key areas. Topics covered include corporation tax, capital allowances, dividends payments and capital gains.
Corporation tax - quarterly instalment payments
Under corporation tax self assessment large companies are required to pay their corporation tax in four quarterly instalment payments. This factsheet considers the rules regarding these payments.
Corporation tax self assessment
This factsheet explains the procedures for filing your company's tax return and paying the tax due.
Fixed rate expenses
An optional system of fixed rate expenses applies for unincorporated businesses. We consider the optional rules which allow the use of a 'simplified' fixed rate deduction instead of actual costs.
Homeworking costs for the self-employed
If you are self employed and work from home this factsheet will summarise what homeworking costs you can claim for tax purposes.
Considerations when operating as a company on incorporation.
IR35 personal service companies
The 'IR35' rules are designed to prevent the avoidance of tax and national insurance contributions through the use of personal service companies and partnerships. This factsheet summarises what situations are caught by the rules and the implications of the rules.
Research and development (R&D) by companies is being actively encouraged through a range of tax incentives, which we consider in the points below.
The Construction Industry Scheme
The Construction Industry Scheme sets out special rules for tax and national insurance for those working in the construction industry. This factsheet considers the workings of the scheme.
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text:
Алі II ібн Ахмад (; д/н — бл. 949) — 9-й володар Критського емірату в 943—949 роках.

Життєпис
Син еміра Ахмада I. Посів трон 943 року після свого брата Шу'яба II. Про його панування відомості доволі обмежені. Напевне посилив напади на візантійське узбережжя.

Вважається, що саме в його панування візантійці на чолі з Костянтином Гонсалою здійснили потужний напад на Крит. Втім араби скористалися браком військового хисту в Гонсали, завдавши поразки візантійцям. Помер Алі II того ж року. Йому спадкував небіж Абд аль-Азіз.

Джерела
 Miles, George C. (1964). Byzantium and the Arabs: Relations in Crete and the Aegean Area. Dumbarton Oaks Papers. 18. pp. 1–32.

еміри Криту
Правителі Європи X століття

redpajama_set_name: RedPajamaWikipedia


With our Facebook and Instagram feeds constantly bombarded with the newest fashion, lifestyle, and beauty trends, it feels like we've seen them all.
Find more stories like this on the Cat Country 107.3 app!
So, I don't know about you, but snakes aren't my favorite animal. I don't hate them, but I've never EVER used the words "snake" and "relaxation" in the same sentence.
Serpentella uses boas, so they're nonvenomous, but that doesn't mean they can't suffocate you to death. I'm not ignorant to the world's constant search for the newest holistic approach to stress relief, but I'm not sure I'd be able to achieve the state of calm necessary to even begin to initiate this massage. I'd be so tense from nerves that it would defeat the purpose.
Would I try it if given the opportunity? Sure. Whether or not I would enjoy it is a totally different story.


text:
Q: How to read/change local JSON for Chrome Extension? I am developing extension and I want to read and change local JSON file in extension file directory.
How to make this?

A: I don't know if you can store data in a JSON file, but you can always use localStorage. If you set the localStorage, the data will not disappear every time you open the extension popup.
let data = JSON.parse(localStorage.data ?? "{}");
data.say = "hello world";
localStorage.data = JSON.stringify(data);

redpajama_set_name: RedPajamaStackExchange


$87.40 $105.95 Save 18% Current price is $87.4, Original price is $105.95. You Save 18%.
This text is conveniently sized for easy carrying and quick reference use. It give normal ranges for lab values and delineates SI values and toxic levels of drug assays. The medication section outlines the trade names, classification, action, clinical applications, side effects, precautions and contraindications for each drug. It also has vasoactive drug tables with identified. Information is not lengthy or detailed as to theory or physiology, but is pertinent to the subject discussed. Descriptions of problems are identifiable, utilizing signs and symptoms presented.


text:
Alert Notice 687: LPV Maser campaign extended through October 2020
AAVSO Forum threads (scroll to the bottom of a thread for latest posts):
- Campaigns and Observation Reports: https://www.aavso.org/lpv-maser-2018-campaign
- Long Period Variables: https://www.aavso.org/lpv-maser-2018-campaign-01
Further to AAVSO Alert Notices 645 and 660, Dr. Michael Stroh (Northwestern University) informs us that his SiO maser study on long period variables is being extended through October 2020.
The Mira variable V Cas has been added to the list of targets, bringing the total to 20. Below is a revised list of the targets for this campaign.
R.A. (2000)
Dec. (2000)
Spec Type
Var Type
TY Cas 00:36:59.42 +63:08:01.7 10.1 - 19.0 V M6-M8 Mira
FI Per 03:54:56.75 +48:36:01.9 14.0 - 17.8 p M7 Mira
SY Mon 06:37:31.34 -01:23:43.0 7.0 - 14.6 V M6e-M9 Mira
FX Mon 06:45:05.60 +09:02:18.5 11.0 - 18.0 p M1-M8 Mira
NSVS 12572573 06:45:14.95 -02:26:35.1 13.5 - <17.0 V M10 Mira
V349 Vul 19:31:10.47 +23:30:33.5 11.4 - 15.2 V M8 Mira
RT Aql 19:38:01.60 +11:43:18.2 7.6 - 14.5 V M6e-M8e(S) Mira
V353 Vul 19:49:22.06 +22:37:39.8 13 - <15.5 V --- Mira
SX Cyg 20:15:33.53 +31:04:20.1 8.2 - 15.2 V M7e Mira
AU Cyg 20:18:32.77 +34:23:20.5 9.5 - 15.3 p M6e-M7e Mira
V1655 Cyg 20:25:24.02 +38:42:35.6 12 - 14.8 I --- Mira
NSVS J2041274+511326 20:41:27.45 +51:13:29.9 11.0 - 13.3 R1 --- Mira
DR Cyg 20:43:41.01 +38:09:56.1 9.3 - <15.5 p M5e Mira
V750 Cyg 20:49:21.17 +50:31:51.3 11.2 - 16.4 V M5ea Mira
W Cep 22:36:27.56 +58:25:34.0 7.02 - 8.5 V M0-M2Iaep+B0/B1 SR supergiant
AL Cep 22:49:16.89 +58:35:07.1 10.9 - 14.5 p M5-M6.5e Mira
VX Cep 22:50:49.45 +64:15:04.7 11.4 - <15.5 p M8 Mira
V Cas 23 11 40.72 +59 41 59.0 6.9 - 13.4 V M5e-M8.5e Mira
V850 Cas 23 37 39.76 +58 50 46.2 12.9 - 15.2 V M5/7e Semiregular
V657 Cas 23 52 04.92 +61 48 12.5 13.9 - <19 V M8.9-10.4III Mira
Dr. Stroh writes: "Our approved Karl G. Jansky Very Large Array (VLA) monitoring campaign [that began] in October of 2018 is continuing through October 2020 and observations from AAVSO would be invaluable. In particular, we believe that the strengths of the SiO maser lines we observe at 43 GHz in the radio are correlated with the phase of the stars in our sample and may allow us to probe the density in the stellar envelopes. Our VLA observations will likely occur about once every 3 weeks, thus AAVSO sampling of targets ranging from 2 to 4 weeks through October 2020] will guide our interpretation of the radio observations."
However, the usual cadence for LPVs is one observation every 10 days, and this cadence is requested by the AAVSO. It is asked that more frequent observations not be made.
Stroh continues: "We prefer Johnson V photometry for all stars to standardize our measurements. If this is not possible, redder filters are preferred (if possible), and are considered a bonus if performed in addition to observations in V since these are very red stars." Visual observations are welcomed and encouraged.
Please see Alert Notice 645 for more details on the campaign.
Charts with comparison stars for each of the targets above may be created using the AAVSO Variable Star Plotter (VSP).
Please submit observations to the AAVSO International Database using the names given in the table.
This AAVSO Alert Notice was compiled by Elizabeth O. Waagen.
semiregular
RT Aql
V Cas
TY Cas
W Cep
VX Cep
AL Cep
SX Cyg
AU Cyg
DR Cyg
V750 Cyg
SY Mon
FX Mon
FI Per
V349 Vul
NSVS 12572573
NSVS J2041274+511326
Submitted by weo on Wed, 12/04/2019 - 14:08