Fintech Frenzy : Is this the new bubble? - Bonova Advisory Inc.
Fintech Frenzy : Is this the new bubble?
Innovations is inevitable. The business world cant live without it but in recent years its meaning sometimes gets lost in abyss of business jargon. Bank failures are traumatic event for the society creating a lot of social upheaval. Bank regulators response to such financial epidemics have had a complete makeover to how it was being done traditionally. The operating environment being so complex and the product mix being enigmatic it becomes a losing battle if financial institutions are not well equipped to be smarter than the competition. Without adequate examination by the SME's, the probable holes at the bottom of the boat may not surface.
Propelled by the significant technological advancements, the expectancies of Fintech customers are exorbitant today. The new wave of Fintech is born with both the technological, and generational progressions. From the devices and wearables induced consumerism shift, to the millennial and Gen Z induced generational shifts – the veering of era has brought about an on-demand economy, which led to the sudden augmentation of Fintech companies and startups.
Fintech is about reimagining the conventional services in the orthodox financial realm, and then furnishing those services to deliver in the on-demand economy. Be it financial management and stock trading, or peer-to-peer lending, or mobile payments and collections, or crowd-funded lending & donation sites – outside of the big banks, Fintech has remodeled and supercharged the financial sector through technological innovations. Similarly, there have also been further innovative Fintech products and services geared for the banks, financial institutions, and the like.
Largely piloted by the flock of vigorous and animated startups, the financial industry is seeing rows of ingenious and imaginative new products and services – all accessible through simplified, smart, algorithm-driven mobile applications, and add-ons. This is all great stuff, and undoubtedly an immense progression. However, more is not necessarily the merrier in this industry, unfortunately – at least not without an expert human intervention.
Financial sector is a serious business, and inadequate due-diligence done on the technology front, can not only create havoc as a ripple effect, but also jeopardize the securities of many involved. What the ripple effects will be, are only limited by the boundaries of our imaginations. The world would be a chaotic, anarchic place without appropriate law enforcement and policing. Similarly, with the lack of pertinent regulatory guidelines, in an uber-sensitive industry that is Finance, it's impossible to not see a repeat possibility of 2008 crisis in the horizon. Fintech certainly is revolutionizing the industry, and disrupting the traditional banking in a powerful way, but as excited as the new financial era looks from the outside, it's also important to stop for a moment and think. Think about what it means to expand the customer base that may not otherwise be considered creditworthy. Think about what it means to provide large funding to millennial who would otherwise be considered unqualified for large sums of loans. Think about what a drastic disruption in the heavily regulated industry really could mean.
From introducing major benefits through cost saving opportunities, and data-driven solutions that work autonomously, to prospects of better risk-assessment processes, if done right – Fintech indeed is an exciting news. But disrupting such sensitive industry, by only focusing on tech innovation in siloed fashion, without any intervention from SME, is a troubling concept to grasp.
Whether it is product innovation, process innovation, marketing innovation, or overall organizational innovation that is introduced – every change to an existing 'way of doing work', needs vigorous due-diligence, scrutiny, and assessment by the Subject Matter Experts (SMEs) in the Financial sector. This is especially true when the change comes through the insertion of smart technological components, software, materials, or characteristics. Innovations are always good news, but without adequate examination and scrutiny by the SME's, the probable holes at the bottom of the boat may not surface.
Financial Technology (Fintech) is going through a steep climb, and an investment in this field is growing rapidly – immediately behind Cloud, Mobile, and Analytics. On the same note, majority of the newer, fresher, innovative products and services on the shelf today, are offered by aspiring startups, keen to take chunks off the Fintech pie. As far as technology is concerned, these startups may be onto something potentially astronomical and ground-breaking – but chances are they lack years of business acumen, industry expertise, compliance knowledge, regulatory insights, and much more that an industry veteran/SME can offer.
Would you hire your CIO without background checks & security clearance done by HR?
If not, then why introduce a Fintech product without a vetting by your own trusted SME's?
A key hire within any business is done with proper background checks, reference checks, security clearances, and all strategic and procedural exercises by Human Resource department. In the same sense, any launch of a newer technological implantation in the existing financial procedures should be preceded by the rigorous assessment and testing by the SME. On top, periodic and consistent monitoring by the experts is also equally necessary, in order to avoid disruptions in the market, and potential regulatory flaws.
The Fintech industry is booming – and almost at a point where it's overcrowded by keen market disruptors. This opens a Pandora's box with countless products & services, which aren't necessarily fully vetted. In order to skim through the options available, banks need to gear up with right resources, and SME's who are experts in this arena. Designing a new generation technology and navigating through ever changing regulations are two different sides of the coin. Many times the new generation technology being developed is unable to take into account the complexity involved in regulations and compliance. Regulatory Subject matter experts are better equipped to make informed decisions to design a roadmap and choose the right product that will compliment the bank's model for a full compliance to the regulation and building robust business processes.


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Top tips to make the best acquisition, or not
First, know when to walk away.
By Graham Elton and Rolf-Magnus Weddigen
Getting a good deal has never been easy. But with more than Dollars 250bn (Euros 195bn, Pounds 132bn) of uninvested private equity capital worldwide—and prices rising to what Blackstone Group head Stephen Schwartzman calls "nosebleed territory"—picking the right acquisition target is doubly challenging these days.
Corporations are also flush with cash on their balance sheets, with 61 publicly traded companies worldwide each reporting more than Dollars 10bn in cash, further fuelling the M&A boom.
All that ready money is placing an even higher value on a key ingredient in the success of private equity firms: the discipline to walk away.
Indeed, executives say that knowing when to walk away from a deal is one of the most difficult responsibilities to execute.
When Bain & Company surveyed 250 senior managers with M&A responsibilities, half said their due-diligence process had overlooked significant problems, and half found that targets had been dressed up to look better for deals.
Two-thirds said their approach routinely overestimated the synergies available from acquisitions. Overall, only 30 per cent of executives were satisfied with their due-diligence processes. A third acknowledged they had not walked away from deals despite nagging doubts.
To address these common shortcomings properly, acquirers can start by ridding themselves of their assumptions.
When senior executives begin to look at an acquisition, they quickly develop a mental image of the target company, often drawing on its public profile or its reputation within the business community.
That mental image shapes the entire deal-making process—it turns into the story management tells itself about the deal.
Private equity firms tell us their advantage lies in being industry outsiders. They force themselves to ask basic questions about how an acquisition truly will make money for investors.
That circumspect approach has helped to fuel a surge in acquisitions involving private equity firms, which have closed deals worth Dollars 462bn globally in the first three quarters of 2006, more than double the amount of Dollars 230bn for the same period a year earlier, according to Thomson Financial.
How do private equity firms hone their deal-making acumen?
Rather than rely on secondary sources and biased forecasts provided by the target company itself, the most effective acquirers build their own proprietary, bottom-up view of the target and its industry. They form investment committees that test the deal thesis, the attractiveness of the opportunity and then take a final decision.
Private equity firms commonly focus their due diligence on four interrelated areas that some players call the four C's: customers, competition, costs and capabilities.
To arrive at a business's true stand-alone value, all accounting idiosyncrasies must be stripped away. In most instances, the only way to do that is to look beyond the reported numbers by sending the due diligence team into the field. Equally important, putting a team into the field is often the best way to assess a target's future prospects.
Successful acquirers begin by drawing a map of the target's market—its size, its growth rate and how it breaks down by geography, product and customer segment. This allows private equity firms to analyse a target's customer segments—their profitability potential and where they are vulnerable.
Next, they compare the target company's industry presence with that of competitors. How does it stack up in terms of customer feedback, market share, revenues and profits by geography, product and segment? By looking at the pool of available profits, companies can determine whether the target is getting a fair (or better) share of industry profits compared with its rivals.
Then they run the expense numbers. Do competitors have cost advantages? Why is the target performing above or below expectations? When considering post-merger opportunities for reducing costs, firms can assess whether the benefit of sharing costs with other business units will outweigh the lack of focus that can arise from spreading costs across multiple businesses.
Successful acquirers are not looking to buy just a P&L, a balance sheet and a cash flow; they also want capabilities such as management expertise.
Capabilities may not be easy to measure, but taking them for granted can be too large a risk.
In the end, effective due diligence is about balancing opportunity with informed scepticism. It is about testing every assumption and questioning every belief. It is about not falling into the trap of thinking you'll be able to fix problems after the fact. By then it is usually too late.
Graham Elton is a partner with Bain & Company in London, and head of Bain's European private equity practice. Rolf-Magnus Weddigen is a Bain partner in Munich and a senior member of Bain's private equity practice.
Graham Elton
Partner, London
Rolf-Magnus Weddigen
Partner, Munich
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Investors say environmental, social, and governance (ESG) matters more than ever, but limited partners and private equity firms frequently lack the tools to measure what's working—and what's not.
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Companies are using M&A more than ever before to transform their businesses for a post-Covid world.
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Books, reading and self-directed learning are things that I am passionate about. Book reviews and book recommendations are included in this section. While I am still partial to paper books, I realize that eBooks and many other online reading materials are important sources, too, so reviews and recommendations of those are also included.
A Note about Age-Appropriateness for Children's Books: I completely disagree with many of the "recommended" reading ages for Children's books because I think those unnecessarily limit material for growing minds. Every child is different, but most have this in common: the more you read to them and with them, the greater attention span and understanding they acquire. Who cares if they know what all the words mean? Hearing you read is how they learn! So read anything and everything to them. You will figure out what they like by their requests: which books do they ask to read over and over again?
Libraries vs. Buying: I believe that parents and caregivers are obligated to introduce their children to libraries. Libraries and librarians provide a wealth of resources for learning! They are also great tools to help any person (child or adult) figure out which books they like the most. On of my favorite techniques is to check out stacks and stacks of books for our daughter, then see which ones she requests again and again. The ones that we renew for our maximum time allowable, the ones that we check out again and again, the ones that she asks for over and over again, these are the ones that we buy.
I try to use this same trick for myself, although buying books is probably my biggest weakness. Once my house and basement began to overflow with books, I realized I had to reign in my book-buying addiction. Checking out books from the library first is also a great way to explore new subjects and genres. Learn to love your library!
Always Under Construction: As with any blog and, in particular, the resources section of this blog, these pages are "living documents" and are constantly being updated. If you have favorite books, suggested reading, and even if you disagree with me, please share in the comments section at the bottom of most pages. Or drop me an email at stephanie at OneMooreInTheOven dot com.


Take Hwy. 60 East toward Pampa.
When arriving in Panhandle, take the fork on the right to FM 293.
Turn right on St. Ann's Drive. Turn left on Franciscan Way.
Take 287 toward Amarillo. In Claude, turn right (North) onto 207.
Go several miles until there is a blinking light. Turn left onto the access road.
Go over the overpass to the Love's Gas Station.
Go straight on 207 for about 10 miles.
Turn right onto Hwy. 60.
Take the fork on the right to FM 293.
Turn right on St. Ann's Drive.
Turn left on Franciscan Way.
Call 806-537-3182 for further assistance.


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A Girl Named "Lipstick" and the Flapper Way of Life
Rose Heichelbech
In the 1920s the hemlines were rising and for the first time young ladies were unabashedly wearing makeup in public. Prohibition was in full swing which meant anyone who fancied a drink had to become quite cavalier on where they got their liquor. And at the same time the brand jazz music was stirring the world with it's novel rhythms and strange melodies. It was the perfect storm for the flapper to be born. One flapper in particular made it a point to explain to the world what they were all about and her nom de plume was "Lipstick."
Lois Long publicity photos showing her modern silhouette contrasted with the pearl-clutching Edwardian office lady of yore. Via/ Wiki Commons
Lois Long was the daughter of a minister and ended up completely defying that image. Educated at Vassar College, Long quickly developed a taste for the more daring things in life, including fashion, makeup, music, and the new-fangled cocktail.
Long landed a job at the New Yorker in 1922 and soon her column about the flapper lifestyle was read by thousands, though she threw out mysterious clues about her true identity in her columns. Her first column was called "Table for Two" and the legend goes that she gave herself the name Lipstick because the column's previous writer had called himself Top Hat!
Two flappers on a bench. Via/ Flickr
Don't think it was just writing about a fictional flapper life – she lived it. She would reportedly stumble into her office at 4am: tipsy, and wearing her beaded evening attire, but wanting to record the night's events while they were still fresh in her mind. While arriving to work drunk is never advisable, Long got away with it because it was part of a young and fresh, decadent lifestyle that the public, while cautious, was still very curious about.
In her column she was paid to review various speakeasies around New York City, so it was kind of in her job description to imbibe!
Flappers around the world flaunted their carefree attitude during the '20s. Via/ Library of Congress
Long also wrote about fashion, a subject near and dear to the heart of any flapper! She had written for Vanity Fair and Vogue before settling down at the New Yorker, where she would write until the year 1968, only 6 years before her death. In the 1920s Long married the cartoonist Peter Arno and had one child with him before divorcing after only a few years of marriage.
Her focus switched to fashion not only because she was a mother now and (we hope) not out at a speakeasy, but also because the luxurious '230s had come screeching to a halt once the Stock Market Crash brought stark reality into the picture. The last "Table for Two" column was published in 1930.
Flapper girls could be sweet too. Via/ Shutterstock
For a brief period in 1936 Long, with her thin frame and dark, sleek bob, was signed with Paramount Pictures, but her career in film was a complete no-go. It was never in the cards for her to be a film star, but she is remembered today as an early critic of fashion and supremely modern woman of her era. Vogue magazine had been founded by a man, as were most of the fashion houses of the era. Long was one of the first female fashion writers of the 20th century and paved the way for the field to become a woman's domain, unlike what it had been before.
15 flapper girls in all their glory: Click "Next Page" below!
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65 Years After They Fell in Love Couple Dies on Same Day Just Hours Apart
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Getting a personal loan in Horton has never been easier !
Some financial problems are stressful for everyone. Do you stuck in a nasty situation where you need cash now but cannot borrow them from family and friends, and your next pay check is far away? It could be an urgent vehicle repair or a bill that certainly need to be paid – in a month when they're maxed out on their credit cards. We provide our customers with the best pay day loan possible. It is so simple because we truly understand what you need. Our goal is not only to make sure that our services are the most customized but also to treat our clients as the real partners.
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Executives from Northrop Grumman present a sponsorship check to UCF's Collegiate Cyber Defense Club.
The University of Central Florida's three-time national champion student cyberdefense club has landed a sponsorship from Northrop Grumman.
The global security company is donating $75,000 to the Collegiate Cyber Defense Club – also known as Hack@UCF — to further its success.
Northrop Grumman provides innovative systems, products and solutions in autonomous systems, cyber, C4ISR, strike, and logistics and modernization to customers worldwide. The company has facilities and employees around the world and in the Florida cities of Orlando, Melbourne, Apopka, St. Augustine and Pensacola.
Northrop Grumman and the Northrop Grumman Foundation are committed to supporting cyber security education, training, technology and workforce development. The Northrop Grumman Foundation is the presenting sponsor of the Air Force Association's CyberPatriot high school and middle school competition, and that expertise will now help the UCF students. Company executives joined Hack@UCF officers at a recent club meeting to announce the partnership.
The Collegiate Cyber Defense Club, which is a registered student organization, fields teams of students who face off with students from other colleges at regional and national competitions. A UCF team has won the Southeastern regional competition and the national championship for the past three years, and is currently the defending champ.
The funding from Northrop Grumman will allow the club to field more teams and send more students to more competitions.
But the sponsorship goes beyond competing. Most Hack@UCF students major in computer science or computer engineering. It can cost thousands of dollars for classes to earn various certifications in those fields beyond their college degrees. Northrop Grumman has offered to provide training to students so they can pursue certifications without having to pay for costly classes.


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Brooklyn Baby
Produced by Dan Auerbach
Album Ultraviolence
Brooklyn Baby Lyrics
Ta-da-da-da-da-da-da
Pa-da-da-da-da-da-da
They say I'm too young to love you
I don't know what I need
They think I don't understand
The freedom land of the seventies
I think I'm too cool to know ya
You say I'm like the ice I freeze
I'm churning out novels like
Beat poetry on Amphetamines
Well, my boyfriend's in a band
He plays guitar while I sing Lou Reed
I've got feathers in my hair
I get down to Beat poetry
And my jazz collection's rare
I can play most anything
I'm a Brooklyn baby
They say I'm too dumb to sing
They judge me like a picture book
By the colors, like they forgot to read
I think we're like fire and water
I think we're like the wind and sea
You're burning up, I'm cooling down
You're up, I'm down
You're blind, I see
But I'm free
I'm free
I'm talking about my generation
Talking about that newer nation
And if you don't like it
You can beat it
Beat it, baby
You never liked the way I said it
If you don't get it, then forget it
'Cause I don't have to fucking explain it
And my boyfriend's in a band
I get high on hydroponic weed
[Post-Chorus]
Pa-da-pa-pa, pa-de-da
Te-de-de, da-da-ah
Ooh, oh
Woah-ah
Yeah, my boyfriend's pretty cool
But he's not as cool as me
'Cause I'm a Brooklyn baby
Da-da-da-da-da, baby
Ah-ta-da-da-da-da
Da-da-da-da, baby
Pa-da-da-da-da-da
Pa-pa-da-pa-da, yeah
About "Brooklyn Baby"
"Brooklyn Baby" is the fourth single released from Lana Del Rey's third studio album, Ultraviolence. Like much of her music, it is steeped in nostalgia for an earlier period in American history.
Like "National Anthem", "Brooklyn Baby" appears to be partially satirical or entirely satirical, as Rolling Stone has interpreted it. It describes a cool, young girl who brags about her musician boyfriend, her rare jazz collection, and her hydroponic weed, seeming to simultaneously lampoon and celebrate these typically "Brooklyn" preoccupations.
The track was written by Lana Del Rey and her ex-boyfriend, Barrie-James O'Neill.
In a Guardian interview, Del Rey said she was originally meant to record the song with Lou Reed of the Velvet Underground; Reed died the day of the planned recording.
"Brooklyn Baby" Track Info
Written By Lana Del Rey & Barrie O'Neill
Produced At Easy Eye Sound
Vocals Lana Del Rey
Acoustic Guitar Russ Pahl & Kenny Vaughan
Mastered by John Davis (Mastering Engineer)
Pedal Steel Russ Pahl
Background Vocals Seth Kaufman
Tenor Saxophone By Leon Michels
Percussion By Seth Kaufman & Leon Michels
Mellotron Leon Michels
Tambourine Leon Michels
Upright Bass Nick Movshon
Drums By Maximilian Weissenfeldt & Nick Movshon
Electric Guitar by Seth Kaufman & Dan Auerbach
Mixing Robert Orton
Engineered By Collin Dupuis
Designed At Big Active
Design By Mat Maitland
Photography Neil Krug
Recorded At Easy Eye Sound, Nashville, TN. USA.
Brooklyn Baby by The Code
Ultraviolence Lana Del Rey
1. Cruel World
2. Ultraviolence
3. Shades of Cool
4. Brooklyn Baby
5. West Coast
6. Sad Girl
7. Pretty When You Cry
8. Money Power Glory
9. Fucked My Way Up to the Top
10. Old Money
11. The Other Woman
12. Black Beauty
13. Guns and Roses
14. Florida Kilos
15. Is This Happiness
16. Flipside


Recognition of our long involvement in the state came this week with the appointment of Pat Tomes, program manager for RTC's Northeast Regional Office, to the newly formed Pennsylvania Trails Advisory Committee.
The Department of Conservation and Natural Resources formed the committee to drive implementation of Pennsylvania's recently completed Statewide Outdoor Recreation Plan, which encourages the development of a thorough trail network to facilitate outdoor recreation, provide alternative transportation routes and encourage healthy lifestyles.
As one of its authors, Tomes is familiar with the plan and the huge role that rail-trails will play in moving toward its goals. She says that in Pennsylvania, where so many rail-trails are already established, the challenges are different from states where the majority of effort goes into getting pathways built in the first place.
"Pennsylvania is a mature state, in terms of rail-trail development," Tomes says. "But there is a lot of work to do to further encourage usage--like how to connect the smaller pieces so people can utilize loops and networks, and providing better signage."
Tomes says she will urge the committee to give plenty of attention to the issue of wayfinding and tourism signage.
"The focus of funding is often on building and construction, and there are seldom many resources to promote the trails once they are built," she says. "I would like to see the various agencies--DOT, tourism, economic development--work together to make these trails easier to find, and make it easy for trail users to get to the communities and businesses along the way."
While RTC does a lot to promote Pennsylvania's trails, Tomes says, there is much more that could be done, and without spending a lot of money. As she knows from her experience in trail towns in the Northeast, a simple and inexpensive wayfinding sign pointing to a local main street or options for food and lodging has a marked impact on the value of that trail to the region's economy. It is this kind of on-the-ground experience that Tomes will bring to the new Pennsylvania Trails Advisory Committee.
For more information about the committee, and the Statewide Outdoor Recreation Plan, visit www.paoutdoorrecplan.com.


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Lawrence é uma estação do metrô de Toronto, localizada na secção Yonge da linha Yonge-University-Spadina. Localiza-se no cruzamento da Yonge Street com a Lawrence Avenue. Lawrence possui um terminal de ônibus integrado, que atende a três linhas de superfície do Toronto Transit Commission (ônibus da 97 Yonge não entram no terminal, e passageiros desejando realizarem uma conexão entre o metrô e a linha e vice-versa precisam de um transfer). O nome da estação provém da Lawrence Avenue, a principal rua leste-oeste servida pela estação.

Lawrence
Estações ferroviárias inauguradas em 1973

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Khris Middleton is back, and so are realistic NBA championship expectations for the Bucks
January 25, 2023 by PlayerN01
DETROIT — It's been 280 days since the Milwaukee Bucks could say that they were whole, 280 days from the day Khris Middleton injured his wrist in their first-round series against Chicago, 280 days from the day their chances at a repeat championship went down the drain.
But Middleton emerging after his start-and-stop season to date was a sight to see, and a return to realistic title expectations for the Bucks.
He came off the bench to play 15 minutes in their 150-130 win over the Detroit Pistons in a game that wasn't as close as the spread indicated. The Pistons are without their cornerstone Cade Cunningham and still likely road weary from their Paris trip last week, but this beatdown was likely coming regardless of the circumstances.
The Bucks played with fervor and a pop that was a sharp contrast from the malaise they've worn for a few stretches this season. Giannis Antetokounmpo returned from a five-game absence and didn't look out of rhythm at all, scoring 20 in the first quarter and finishing with 29 and 12 rebounds in 26 minutes.
The numbers are immaterial, in a way, but the feeling of optimism was certainly palpable in the locker room afterward.
"The band is back together," Antetokounmpo said. "It's good to see him out there, run up and down, connect with him, play with him. It's been a long time; he was doing rehab and going through the battle by himself."
If the Bucks were a band, Antetokounmpo would, of course, be the lead singer. David Ruffin, Ronald Isley, Michael Jackson, take your pick. Middleton isn't a background voice, he might not even be someone you'd notice at first glance in that way.
See also Impressive stat highlights Steph Curry's playoff success without Kevin Durant
But he makes everything better, like a great bass player. You might not know James Jamerson from The Funk Brothers, but you'd know his guitar riffs and bass lines when you hear them — giving room for the star to be the star.
"I try to pride myself in my job, making everybody's job easier. Take a lot of pressure off Giannis and Jrue [Holiday], everyone," Middleton told Yahoo Sports. "Me being out gives those other guys a chance to grow, which will make us better in the long run."
Milwaukee was fifth the last two years in 3-point percentage, but this year, the Bucks are 18th. Middleton shot 39% in that period — think they've missed him much?
The Bucks have been admirable in his stead as a whole, especially with Holiday stepping into the second scorer role, and Bobby Portis arguably being the league's top sixth man.
But there are not too many players like Middleton, and certainly nobody on this current Bucks roster.
Milwaukee Bucks forward Khris Middleton played just his eighth game this season in Monday's win over the Detroit Pistons. His return puts the Bucks in realistic title contention. (AP Photo/Paul Sancya)
It's almost like he sits on a 12-foot string from Antetokounmpo, keeping himself in sight and defenses honest when Antetokounmpo barrels or pirouettes down the lane for one of those long-armed finishes — and ready for the kickout if the defense bites.
Middleton was 3 of 7 from the field with six turnovers, many of them in scattered play, but his timing was expected to be off. The wrist surgery that cost him the first 20 games of the season and knee soreness that kept him out since mid-December wasn't the recipe to produce a sharp showing.
See also 'I've been a chatterbox my whole life,' says Boston's Grant Williams of the personality quirk that drives his elite play
Let's be clear. Every contender in the East has endured some level of major strife. Boston's coach was in scandal right before training camp, Brooklyn makes a deal with drama every year and Philadelphia is always flirting with it, one way or the other.
Middleton's absence was Milwaukee's cross to bear. Losing five of six from Dec. 21 to Jan. 1, then three of five before Monday didn't cause league-wide alarm, but nothing Milwaukee does will move much of the needle until the playoffs — the benefits of consistently flying below the radar.
"This is where things get interesting across the season for every team," Middleton told Yahoo Sports. "This is where you make that playoff push before All-Star break, find out who you are. So I'm definitely excited to be back around this time. This is where everybody steps up their game, fights for their seeding and trying to play their best basketball going forward."
League sources told Yahoo Sports the Bucks are very much in play for Phoenix swingman Jae Crowder, but you get the feeling their offer is their offer and they'll be ready to make a move on a secondary situation if Crowder is moved elsewhere — probably in the mold of a versatile, rugged defender who can make shots.
Any addition would fortify a well-oiled roster, but even without personnel moves, they have enough to win the East.
"The healthier we are, the more chance we have to play our best basketball late in the season," Antetokounmpo said. "Guys are not available, it makes our jobs harder. I try to focus on our team, I'm not sure what's going on around the league. [But] the more healthy we are, the more chances we have to be great."
See also Tyrese Maxey, Sixers react to James Harden being out for a month
It's easy to say now, albeit impossible to prove: but with a healthy Middleton last spring, it would've been tough to see anyone beating the Bucks in a seven-game series. Not even the dynastic Warriors. We don't talk about it much because Middleton's game is so understated, and because rightfully, Antetokounmpo takes up so much oxygen.
But Middleton put up a 40-point game in the 2021 Finals to help the Bucks come back from a 2-0 deficit — which we don't talk much about because the clinching play in that game was arguably the greatest cat-and-mouse defensive play of all time, authored by Antetokounmpo.
"You never know, I'll never know. Every confident player will say, 'We had a chance,' but it didn't happen," Middleton told Yahoo Sports about last season's shortened playoff run. "At the time, it was frustrating, but now I'm not [frustrated]. It's added motivation and we gotta do this. I'm not gonna say we should've beat Boston, we should've won the NBA championship. That's a hell of a team over there. I would be discrediting my respect to those guys from the other side."
He also recognizes his importance, too. He has a $40.4 million player option for next season, but he could decline that and sign a deal that keeps him in Milwaukee through his mid-30s. A strong finish and playoff run could only enhance his case.
"Of course you want to be healthy and in the best position and play the best basketball you can," Middleton told Yahoo Sports. "Those things take care of itself in the offseason. Only one thing to worry about, that's the game."
Tennis star Victoria Azarenka opens up on accusations she cheated at the Australian Open
How Renovation Mistakes People Make During Winter


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package org.elasticsearch.xpack.sql.expression.function.aggregate;

import org.elasticsearch.search.aggregations.metrics.PercentilesConfig;
import org.elasticsearch.xpack.ql.expression.Expression;
import org.elasticsearch.xpack.ql.tree.NodeInfo;
import org.elasticsearch.xpack.ql.tree.Source;

import java.util.List;

public class Percentiles extends PercentileCompoundAggregate {

    public Percentiles(Source source, Expression field, List<Expression> percents, PercentilesConfig percentilesConfig) {
        super(source, field, percents, percentilesConfig);
    }

    @Override
    protected NodeInfo<Percentiles> info() {
        return NodeInfo.create(this, Percentiles::new, field(), percents(), percentilesConfig());
    }

    @Override
    public Percentiles replaceChildren(List<Expression> newChildren) {
        return new Percentiles(source(), newChildren.get(0), newChildren.subList(1, newChildren.size()), percentilesConfig());
    }

    @SuppressWarnings("unchecked")
    public List<Expression> percents() {
        return (List<Expression>) parameters();
    }

}

redpajama_set_name: RedPajamaGithub


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text:
Manufacturer increasing operations and adding jobs at Franklin County plant
Joyce F. Nowell
Herald-Mail Media
A manufacturer is increasing operations at one of its Franklin County locations, as well as expanding its workforce there by up to 35 jobs.
JLG Industries Inc., headquartered in Fulton County, is in the approval process with Antrim Township to expand the parking lot at its 15276 Molly Pitcher Highway location in State Line.
That location is a research-and-development facility for new JLG and Jerr-Dan products, according to Richard Wright, JLG's senior manager for global communications and community engagement.
Wright said the company, which designs, manufactures and markets access equipment, recently began to assemble some JLG products there as well.
"The parking lot is being expanded to accommodate additional team members working at this site, and to separate the team member parking from other activities, such as truck traffic making deliveries and shipping of finished products," he said.
"This will be a safety improvement by keeping pedestrians away from truck and material-handling equipment movement."
Wright said the company expects to add 30 to 35 team members to support the additional assembly work at the location.
More:Letterkenny Army Depot to cut nearly half of contract positions this year
As part of the approval process with Antrim Township, a shared use trail (sidewalk) is being required along the U.S. 11 (Molly Pitcher Highway) road frontage of the building. Plans show the walkway will extend 560 feet.
Antrim Township Zoning Officer Sylvia House said the shared-use trail plans will present some attractive landscaping.
"This far exceeds our ordinance," she said. "It's gorgeous."
The landscaping will be both functional and neighborly, Wright said.
"Even though our facilities exist within zoned commercial spaces, we recognize that our buildings are often adjacent to urban and rural residential real estate," he said.
"Incorporating landscaping creates natural borders for privacy and wildlife while beautifying the space.
"We want employees and neighbors to be proud of our outdoor space."
More:These are the jobs with a future in southcentral Pa.
JLG has one other Franklin County facility at 1080 Hykes Road in Greencastle near the Molly Pitcher Highway building.
There are 160 employees at the Hykes Road location. With the expansion at the Molly Pitcher Highway facility, the 65-person workforce will grow to about 100, Wright said.
JLG Industries Inc., now an Oshkosh Corp. company, was founded in McConnellsburg by John L. Grove in 1969.
Joyce F. Nowell is a Gannett reporter based in Hagerstown, Md.


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1. Director/actor/model Divya Khosla of T-Series and Yaarian fame stopped the show with her electrifying entry wearing a grand three-strand pearl necklace and a diamond choker, lace cuffs and rings for PN Gadgil. She created a look like Katy Perry and was extremely playful on the ramp. She might not be regular on the runway but she certainly stirred a lot of interest.
2. Chitrangada Singh, Bollywood's glamorous diva made a lovely showstopper for Moni Agarwal presented by Solitaire Gemological Laboratories. She looked beautiful in her desi avatar. Her nose ring garnered a lot of fan following; a new trend, which we might soon see on the high-street fashion radar. She walked the ramp wearing a dazzling Raani Haar, studded diamond collar, intricate cummerbund, nose ring, Haath Phool and bracelet from the collection.
3. Sridevi was the showstopper for Golecha Jewels and looked ethereal in her Indian attire. The evergreen actress walked the ramp wearing a regal diamond Raani Haar with a grand square gleaming pendant, matching earrings, bracelet and ring. Vijay and Rupali Golecha couldn't have found a better showstopper for their collection which is a good balance between vintage and modern.
4. In the grand finale, Best–of–the–best, stunning Bipasha Basu closed the show for PC Jewellers. She wore a luxurious green embroidered net lehenga/ maroon blouse and modelled a gorgeous polki Raani Haar, shoulder dusters, bangles and an impressive cocktail ring. She looked like a "queen" in her own words.
5. Sunny Leone opened the show for Apala by Sumit Sawhney to showcase his collection 'The Royal Tribe' in an opulent Victorian neckpiece with elements of the Hasli with gold claws adding the tribal touch to it. Bringing extra drama was the rear piece with an amazing wreath effect in jade along with beautiful anklets and head piece.
Raveena Tandon and Kalki Koechlin were also impressive. Who do you think was the best showstopper at IIJW 2014? Leave a comment below.
Tagged Bipasha Basu, Chitrangada Singh, Divya Khosla, iijw 2014, Moni Agarwal, PC Jewellers, PN Gadgil, Sridevi, Sunny Leone, Vijay Golecha.
Thank you Cyril 🙂 It means a lot.


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Tables are a fundamental part of many policies to help organize and present information in a visually appealing manner.
For advanced table and cell properties, see this article.
To insert a table into a policy, click the Edit link in the bar on the top right of the policy.
Place the cursor in the Editor window before where the table should go.
Click the Table icon in the formatting bar on top of the Editor window.
Rows and Columns: Assigning the initial number of rows and columns.
Headers: Assigning the first row, first column, or both with a bold header font and settings.
Caption: The title to appear above the heading.
Summary: While no visual elements are displayed on the screen, the summary is used to assist individuals using screen readers to understand the table content.
Click OK (5) to create the table with the desired settings.
The table is created in the Editor and ready for content to be entered.
To add cells, rows, or columns, select a cell and use the right-click menu.
PLEASE NOTE: The graphic below shows inserting and deleting rows, but the menu is the same for cells and columns.
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text:
TTLC 2022
#TTLC22
Conquering Thoracic Cancers Worldwide
Platform Training Video
Virtual Meeting Guide
Oral and Poster Abstracts
Promotion, Advertising & Exhibits
Confirmed Sponsors & Exhibitors
IASLC 6 hours ago
RT @ChristianRolfo: Super proud of @ddemiguelperez receiving the @IASLC Educational Award🥇 at #LA...
RT @Al3ssandroRusso: Congrats to my friend @ddemiguelperez for this well deserved award! @IASLC @isl...
The IASLC 2022 Targeted Therapies of Lung Cancer Meeting (TTLC 2022) would like to thank the following companies for their support:
For more than 40 years, we've been following the science, seeking solutions to unmet medical needs. As a proud member of the Roche Group, we make medicines to treat patients with serious medical conditions.
Website: https://www.gene.com
EMD Serono
AstraZeneca is a global, science-led biopharmaceutical company that focuses on the discovery, development and commercialization of prescription medicines, primarily for the treatment of diseases in three therapy areas – Oncology, Cardiovascular, Renal & Metabolism and Respiratory & Immunology. For more information, please visit www.astrazeneca-us.com and follow us on Twitter @AstraZenecaUS.
At EMD Serono, the healthcare business sector of Merck KGaA, Darmstadt, Germany, in the US and Canada, our scientific approach in oncology focuses on oncogenic pathways, immuno-oncology, and DNA damage response. To deliver breakthrough cancer therapies, we complement our internal expertise and development programs with scientific collaborations to improve trial designs, accelerate treatment development, and partner on exciting asset programs and integrated innovations. We aim to deliver personalized treatment options that may potentially transform cancer care.
Website: https://www.emdserono.com/us-en
BeiGene
Regeneron
BeiGeneis a global, commercial-stage biotechnology company focused on discovering, developing, manufacturing, and commercializing innovative medicines to improve treatment outcomes and access for patients worldwide. We currently market an internally discoveredproductin the United States,BRUKINSA®(zanubrutinib).
Website: https://www.beigene.com/
Since 2007, Regeneron and Sanofi have collaborated to help people with debilitating and complex conditions that are often difficult to diagnose and treat, using innovative technology platforms. Regeneron is a leading science-based biopharmaceutical company based in Tarrytown, New York that discovers, invents, develops, manufactures, and commercializes medicines for the treatment of serious medical conditions. Sanofi Genzyme is the specialty care business of Sanofi, focusing on difficult to treat conditions. © 2021 Regeneron Pharmaceuticals, Inc., and sanofi-aventis U.S. LLC. All rights reserved.
Website: https://www.regeneron.com/
Amgen Oncology
Jazz Pharmaceuticals
Mirati Therapeutics
At Amgen Oncology, our mission to serve patients drives all that we do. That's why we're relentlessly focused on accelerating the delivery of medicines that have the potential to empower all angles of care and transform lives of people with cancer.
For the last four decades, we have been dedicated to discovering the firsts that matter in oncology and to finding ways to reduce the burden of cancer. Building on our heritage, Amgen continues to advance the largest pipeline in the Company's history, moving with great speed to advance those innovations for the patients who need them.
At Amgen, we're advancing oncology at the speed of life®.
For more information, follow us on www.twitter.com/amgenoncology.
For more than 50 years, Lilly has been dedicated to delivering life-changing medicines and support to people living with cancer and those who care for them. Lilly is determined to build on this heritage and continue making life better for all those affected by cancer around the world. In 2019 Lilly created Loxo Oncology at Lilly, with the goal of rapidly delivering impactful new medicines for people with cancer. Our approach centers on creating new medicines that unequivocally work in early clinical development and will matter to patients. To learn more about Lilly's commitment to people with cancer, please visit www.LillyOncology.com and loxooncology.com.
About the Janssen Pharmaceutical Companies of Johnson & Johnson:
At Janssen, we're creating a future where disease is a thing of the past. We're the Pharmaceutical Companies of Johnson & Johnson, working tirelessly to make that future a reality for patients everywhere by fighting sickness with science, improving access with ingenuity, and healing hopelessness with heart. We focus on areas of medicine where we can make the biggest difference: Cardiovascular & Metabolism, Immunology, Infectious Diseases & Vaccines, Neuroscience, Oncology, and Pulmonary Hypertension.
Learn more at www.janssen.com.
Jazz Pharmaceuticals plc (Nasdaq: JAZZ) is a global biopharmaceutical company dedicated to developing medicines for people with serious diseases — often with limited or no options.
Website: https://www.jazzpharma.com/
About Mirati Therapeutics, Inc.
Mirati Therapeutics, Inc. is a clinical-stage biotechnology company whose mission is to discover, design and deliver breakthrough therapies to transform the lives of patients with cancer and their loved ones.
The company is relentlessly focused on bringing forward therapies that address areas of high unmet need, including lung cancer, and advancing a pipeline of novel therapeutics targeting the genetic and immunological drivers of cancer.
Mirati is using its scientific expertise to develop novel solutions in two registration-enabling programs: adagrasib (MRTX849), an investigational small molecule, potent and selective KRASG12C inhibitor, as monotherapy and in combination with other agents, and sitravatinib, an investigational spectrum-selective inhibitor of receptor tyrosine kinases in combination with checkpoint inhibitor therapies. Mirati is also advancing its differentiated preclinical portfolio, including MRTX1133, an investigational KRASG12D inhibitor, MRTX1719, an investigational PRMT5 inhibitor, and other oncology discovery programs.
Unified for patients, Mirati's vision is to unlock the science behind the promise of a life beyond cancer.
For more information about Mirati Therapeutics Inc., visit us at Mirati.com or follow us on Twitter and LinkedIn.
Novartis is reimagining medicine to improve and extend people's lives. We use innovative science and digital technologies to create transformative treatments. Novartis products reach more than 800 million people globally and we are finding innovative ways to expand access to our medicines . About 109,000 people of more than 145 nationalities work at Novartis.
Website: https://www.novartis.ca/
At Pfizer Oncology, we are committed to advancing medicines wherever we believe we can make a meaningful difference in the lives of people living with cancer. Visit Pfizer.com to learn more.
At Takeda Oncology, we aspire to cure cancer, with inspiration from patients and innovation from everywhere. We are structured within Takeda to ensure a tight connection from research to development to commercialization and meet the needs of the cancer community, optimizing our ability to bring potentially transformative medicines to market. With demonstrated leadership in the treatment of hematologic cancers and solid tumors, we propel cutting-edge science around the power of innate immunity to enhance and broaden the impact of immunotherapy.
We complement our deep in-house expertise with symbiotic partnerships to unlock promising science wherever it emerges.
For more information: www.takedaoncology.com.
Biodesix
Blueprint Medicines
Biodesix is a leading data-driven diagnostic solutions company with a focus in lung disease. The Company develops diagnostic tests addressing important clinical questions by combining multi-omics through the power of artificial intelligence. Biodesix is the first company to offer eight non-invasive tests for patients with lung diseases. The blood based Nodify Lung® nodule risk assessment testing strategy, consisting of the Nodify XL2® and the Nodify CDT® tests, evaluates the risk of malignancy in incidental pulmonary nodules, enabling physicians to better triage patients to the most appropriate course of action. The blood based IQLung™ testing strategy for lung cancer patients integrates the GeneStrat® targeted test, the GeneStrat NGS™ test and the VeriStrat® test to support treatment decisions across all stages of lung cancer with results in an unprecedented 36-72 hours, expediting time to treatment. Biodesix also leverages the proprietary and advanced Diagnostic Cortex® AI (Artificial Intelligence) platform, to collaborate with many of the world's leading biotechnology and pharmaceutical companies to solve complex diagnostic challenges in lung disease. Biodesix launched the SARS-CoV-2 ddPCR™ test, the Platelia SARS-CoV-2 Total Ab and the cPass™ SARS-CoV-2 Neutralization Antibody test (cPass™ Neutralization Test Kit, GenScript, Inc,) in response to the global pandemic and virus that impacts the lung and causes COVID-19. For more information about Biodesix, visit biodesix.com.
Blueprint Medicines is a global precision therapy company that aims to invent transformative medicines for people with cancer and hematologic disorders. Applying an approach that is both precise and agile, we create therapies that selectively target genetic drivers, with the goal of staying one step ahead across stages of disease. Since 2011, we have leveraged our research platform, including expertise in molecular targeting and world-class drug design capabilities, to rapidly and reproducibly translate science into a broad pipeline of precision therapies. Today, we are delivering our approved medicines to patients in the United States and Europe, and we are globally advancing multiple programs for genomically defined cancers, systemic mastocytosis, and cancer immunotherapy.
Website: https://www.blueprintmedicines.com/
AtriCure
G1 Therapeutics
Novocure
AtriCure's cryoICE cryoSPHERE® probe is cleared for temporary ablation of peripheral nerves to block pain, providing pain relief in cardiac and thoracic procedures. For more information, visit AtriCure.com or follow us on Twitter @AtriCure.
Website: https://www.atricure.com/
Bayer is a global life sciences leader in healthcare and nutrition. Building on a 150-year legacy in healthcare, Bayer is committed to improving patient lives by developing therapies and delivering first-in-class educational and support programs to meet their needs.
Website: https://www.bayer.com/en/
Our mission is to develop and deliver innovative therapies that improve the lives of those affected by cancer. Led by a team with a deep understanding of the biology of cancer and extensive drug discovery, development and commercialization experience, we are rapidly advancing two novel therapies for people living with cancer.
COSELA™ (trilaciclib) is a first-in-class therapy designed to improve outcomes for people with cancer who are treated with chemotherapy. G1 is also advancing rintodestrant, a potential best-in-class oral selective estrogen receptor degrader, or SERD, for the treatment of ER+ breast cancer. In 2020, G1 out-licensed global development and commercialization rights to its differentiated oral CDK4/6 inhibitor, lerociclib.
Website: https://www.g1therapeutics.com/
About the Janssen Pharmaceutical Companies of Johnson & Johnson
At Janssen, we're creating a future where disease is a thing of the past. We're the Pharmaceutical Companies of Johnson & Johnson, working tirelessly to make that future a reality for patient everywhere by fighting sickness with science, improving access with ingenuity, and healing hopelessness with heart. We focus on areas of medicine where we can make the biggest difference: Cardiovascular & Metabolism, Immunology, Infectious Diseases & Vaccines, Neuroscience, Oncology, and Pulmonary Hypertension. (74)
Learn more at www.janssen.com. Follow us at www.twitter.com/JanssenGlobal.
Novocure is a global oncology company working to extend survival in some of the most aggressive forms of cancer through the development of its innovative therapy, Tumor Treating Fields (TTFields). Novocure has ongoing clinical trials investigating TTFields targeting specific lung, pancreatic, ovarian, hepatic, and gastric cancers, brain metastasis, and glioblastoma.
The information provided here is intended as an educational resource for healthcare professionals and researchers practicing in the United States. It may include information about products or uses that have not been approved by the U.S. Food and Drug Administration. If you are not a U.S. healthcare professional or researcher, please visit Novocure.com.
To learn more, please visit our Medical Affairs Virtual Booth.
For information regarding promotion & advertising, symposia and exhibit opportunities, please contact:
International Association for the Study of Lung Cancer (IASLC)
CorporateRelations@iaslc.org
© 2022 International Association for the Study of Lung Cancer – IASLC TTLC 2022 | Privacy Notice


With the "Odd Couple" pairing of Robert Redford and Nick Nolte, director Ken Kwapis (Big Miracle, He's Just Not That Into You) has made an unmistakable buddy road picture in A Walk in the Woods. It's certainly laconic vs. loquacious on the Appalachian Trail: one part existential journey and another part environmental reverie, as told by sardonic travel writer Bill Bryson (Redford) in his memoir, adapted for the screen by Redford's producing partner, Bill Holderman.
Here are some of the craft and animation highlights backstage last night at the Oscars, topped by Emmanuel "Chivo" Lubezki taking home his second consecutive cinematography award for the single-take Birdman experiment, Christopher Nolan's Interstellar winning the VFX prize, and Disney's surprise animation sweep with Big Hero 6 and Feast, continuing the momentum from last year's Frozen.


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Readers engaged and challenged ideas about Nancy Pelosi and Bernie Sanders this week. In particular the question of Bernie Sanders' impact on the two party system provoked a lot of thought. Strong responses came for "Freedom Rider: The Democrats Win and Black People Lose" and "Bernie Sanders Puts Forward A Program That Could Split The Democratic Party."
Margaret Kimberly's"Freedom Rider: The Democrats Win and Black People Lose"argues that if the Democrats were a true political party Nancy Pelosi's failures would have taken her out of the running for any leadership position.
On Facebook Steve Pavlichenko writes:
"Framing Pelosi's very competent methods of enabling her class to ruthlessly plunder working people inside and outside Amerika as mere "failures" is a soft apologism for her fascist violence."
Marc Salomon responds:
"When a leader of a "political party" sees an electoral collapse of 1000 elected seats on her watch, then by an objective analysis, presuming the legitimacy of that political party, that is a failure. In the eyes of Democrat Partisans, that should be viewed as the kind of failure that would de-legitimatize Pelosi and her ilk in their eyes, weakening their political position. This is why the campaign to reinstall Pelosi is playing the Wurlitzer of misogyny and conservatism to demonize and marginalize all who would contest her right to reassume the gavel."
"Bernie Sanders Puts Forward A Program That Could Split The Democratic Party"by Glen Ford argues that the social democratic platform recently put forward by the presidential hopeful, though silent on imperial wars, has the potential to split the Democratic Party between corporatists and social democrats.
Beverly Rice writes:
"The only good thing about this plan is it would split the Demo-crook Party.
The truly bad thing about this plan is it will not be implemented if Sanders or any other alleged 'progressive' gets elected. Bernie uttered the good-sounding smooth talk in 2014 and even before that he was always good for a sound bite that made sense. But when running against Killary, Sanders failed to push his agenda and certainly didn't forcefully challenge Killary on these issues. Hell, the mo-fo caved in and threw his support to Killary after she and the DNC stole the primaries from him. Hell #2: the mo-fo said when the primaries started that he would support Killary if he lost. Some competitor. Shit no, you don't say from the get-go that you will support your foe if you lose; you say "I'm in it to win it!"
I turned off from Sanders long ago when he was on one of the talking head Sunday chat fests (Face the Nation, if I remember correctly). This was during Drone-bama's push to 'overhaul' health insurance. When asked about single payer, Sanders replied to the effect, 'that's not going to happen' and proceeded to talk up supporting ObamaCare scam. This was a prime opportunity for Sanders to tout Medicare for All to a national audience. Instead, he followed the party lie, er, line. So I don't pay any attention to Sanders' rhetoric. He's the white Jesse Jackson -- talks a good game but when game is on the line he punts on fourth and one instead of going for the touchdown."
Tom Johnson writes:
"The purpose of the Dims is to co-opt the U.S. 'left,' and they are quite consistently successful at this in the (s)electoral arena. It is not totally out of the question that the oligarch, plutocrat, and corporate owners of the party could 'hold their noses' and allow Sanders or another 'progressive' shill to get nominated with the 10-point program -- if it had been sufficiently watered-down and hollowed into nothingness by the end of the Dim Convention. Even AO-C of the select-committee-to-be will be silenced by then into selling a watery brand of progressive Dim snake oil -- or even an empty bottle with just the progressive label. Then there's Warren, Harris, Booker (choke up the Dim 'progressive' names of choice that you can stomach)...
As it is, the 10-point program is false on many levels:
* Sanders' S. 1804 'Medicare for All' is not Single Payer Expanded Medicare for All HR 676, and both are subject to further gutting in the Kabuki Kongress sausage factory;
* Sanders" $15 wage is not now a livable wage and is proposed as a 5-year phase-in;
* '...bold action' on climate change, fixing the criminal justice system, comprehensive immigration reform, progressive tax reform, a $1 trillion infrastructure overhaul and cheaper prescription drugs..." are vague enough as to be meaningless already.
* 'Progressive taxation' would require all income to be taxed as earned income, significant wealth taxes because the current distribution of wealth is so skewed, significant transaction taxes, repealing an array of regressive taxes, etc. Sanders, nor any other Dim, has proposed a real progressive taxation plan; they just throw out the phrase and nibble around the edges of the regressive taxation system that the capitalist empire requires.
* And then there's always the reality of the global imperial capitalist military project. Which, of course, no U.S. 'progressive' will ever seriously talk about. There's always that. Mathematically, the murderous, heinous global empire makes domestic austerity inevitable in terms of dollars and cents.
None of which means that any sentient candidate would necessarily fail selling a 'progressive' program because the peoples of the U.S. are hungry for all the things these cliche'd terms imply. But such an effort is too early to predict. There are too many factors involved. What real progressives and leftists can do is to point out the hypocrisy of all the party is and does -- not depending on the sheepdogs to do any more than snarl at their masters -- except on pay days, when they whimper."
Glen Ford replies: "As David Swanson, one of the framers of a recent letter to Sanders by about 100 activists and intellectuals, said in an interview with BAR, "It is incoherent to have a public policy that ignores over 60 percent of the federal discretionary spending that goes into militarism." Sanders' relative silence on U.S. imperial wars –- with the exception of his late and wholly inadequate legislation on Yemen -- amounts to assent to the massive and multitudinous Bush-Obama aggressions of the 21stcentury, wars that have killed millions and cost over $5 trillion. His description of the late Venezuelan leader Hugo Chavez as a 'communist dictator' marks Sanders as an unreconstructed Cold Warrior and 'Social Imperialist.' However, Sanders' resistance to Democratic Party complicity in domestic austerity, albeit 'incoherent,' has the potential to split the Party wide open and further destabilize the corporate electoral duopoly, opening up space for a genuine left politics in the belly of the beast -- including independent Black political formations. Therefore, I am hoping for Sanders to decisively vanquish the likes of Cory Booker, Kamala Harris, et al, in the primaries. We should welcome that which further fractures the duopoly system, even if it comes in the form of a 'sheep dog' who will never leave the corporate plantation."
For more on this: "Activists Demand Sanders Take Stand Against Militarism"
It was greatto have so many readers engage with the strategic questions of electoral politics in the Trump era. These questions will need more thought in the coming days and we look forward to printing the debate on this page.
Jahan Choudhryis Comments Editor for Black Agenda Report. He is an organizer with the Saturday Free School based in Philadelphia, PA.
This week readers discussed the presidential primary, the rise of neoliberalism, and the passing of Bruce Dixon. Your letters are
by Jahan Choudhry, Comments Editor
This week Venezuela, Zionism in the Congressional Black Caucus, and Gandhi and the anti-colonial movement are discussed. We received comments for
Today we discuss Bernie Sanders in 2020 and Mahatma Gandhi in the anti-colonial struggle. Strong comments came for "
This week we discuss the internal colony theory, Hollywood's portrayal of the Central Park Five, and continue the discussion on the future of Black
This week BAR readers discussed the Central Park Five, US support for jihadism, and Black Lives Matter. Strong comments arrived for "
This week you wanted to talk about Joe Biden's presidential run, the National Lawyers Guild, Julian Assange, and Israeli apartheid. Strong comment
This week police brutality, the art of protesting, and the anti-war movement were on your minds. You wrote on "
This week the most talked about topic was war. Readers wrote in about "
This week the hypocrisy of Democratic Party presidential candidates and the reality behind the nonprofit industrial complex were topics on your min


At St. John School we recognize the value of athletics for young people. Not only does participating in an organized sport provide physical activity, it is also one way of providing the means for learning to work with others as well as fostering self-confidence. In all of our sports programs we attempt to provide our student athletes with the necessary tools to live their lives as disciples of Jesus Christ both in their respective sport as well as in their every-day lives.
Click here to see Sport Programs.
Click here to email our Athletics Director.
All students require a sports physical to participate in any program sponsored by St. John.
We are always looking for volunteers to help with our programs. If you have an interest in helping with any of the programs listed on our Sport Program page, please contact the Athletic Director for more information on how to get involved.


The definition оf wоrk-lіfе bаlаnсе іѕ hаvіng mental and рhуѕісаl equality between the еffоrt you ѕреnd оn wоrk аnd thе еffоrt уоu spend оn thе rеѕt of уоur lіfе. It'ѕ аbоut having a bаlаnсе between thе tіmе you're doing work and tаѕkѕ rеlаtеd tо wоrk, аnd thе time spent оn the rest оf your life, ѕuсh аѕ frіеndѕ, self, fаmіlу, аnd hobbies. Why іѕ it so important?
Enhanced Social Connections: If you are overworked, you will most likely don't have any time for fun or socializing. If you are always the person that is missing out on all social and family gatherings, then it's time to reassess your priorities in order of importance so you can improve your social relationships and have a richer social life.
It саn bе tеmрtіng tо bring work home after уоu lеаvе thе оffісе or if you work from home to continue working every single minute or every day without setting a clear working schedule. Getting juѕt those еxtrа few things done ѕееmѕ hard аt wоrk, but getting them done at home mеаnѕ you hаvе a frеѕh ѕtаrt the next dау. Thіѕ mау ѕееm like a gооd іdеа - аnd іt'ѕ ѕоmеthіng that саn bе gооd, but оnlу in moderation. If you're taking уоur wоrk hоmе соnѕtаntlу, you won't bе аblе tо draw thе line between work-life and реrѕоnаl life. It will take a toll оn уоu, mentally, оvеr thе lоng term.
If you work from home, it's important to draw the line and set up a "work schedule" so you know that at a certain time, you will cut ties with work-related issues and you will focus on your yourself of your family. Block out "me time" on your calendar. One of the things you can do is to set up a "phone cut out time" (no checking emails, or social media updates, chats, etc.); You can turn it off until the next morning or at least for a few hours so you can enjoy some "me time" to relax and unwind or to spend quality time with your family by being actually present and in the moment.
There's mоrе to life аnd work, and thаt'ѕ why there are ѕо mаnу hobbies and activities реорlе аrе іntеrеѕtеd іn. One of the things I lіkе tо dо is to go to the beach, I'm lucky because I live near the beach, so whenever I can, I go there to unwind and decompress and to reconnect with nature. Other реорlе I knоw like tо do yoga, rеаd, go to the gym, take pottery classes, аnd mаnу оthеr асtіvіtіеѕ. It could even be something ѕіmрlеr lіkе сооkіng dinner or watching a few TV ѕhоwѕ. It gіvеѕ уоu a break frоm wоrk аnd рrоvіdеѕ bеnеfіtѕ thаt уоu dоn't оthеrwіѕе get. Find out what уоur іntеrеѕtѕ аrе аnd try ѕоmеthіng nеw оutѕіdе of wоrk.
Spending time with others іѕ a grеаt wау tо achieve wоrk-lіfе bаlаnсе. Whether thіѕ іѕ ѕосіаlizing with work colleagues, frіеndѕ or family, thе асt оf gоіng out and ѕреndіng time with реорlе has great bеnеfіtѕ and hеlрѕ to bаlаnсе уоur life. Yоu саn learn nеw things and hаvе fun. In my case, I'd rather have a nice dinner with a friend if I can, but during a busy week, taking a 30-minute coffee break during the day is better than not seeing friends at all.
Sоmеtіmеѕ you can't hеlр it - work nееdѕ tо bе dоnе bу a сеrtаіn dаtе оr something nееdѕ to bе dоnе аѕ soon аѕ possible. However, over thе lоng tеrm, іt ѕhоuld bаlаnсе out. Maybe you need to work rеаllу hard for a соuрlе of weeks. After thаt, уоu might ѕlоw down a lіttlе bit. The аіm оf thіѕ роіnt іѕ to balance thе high-volume оr peak periods оf work with thе nоn-реаk реrіоdѕ.
Onе оf thе bеѕt ways to have a wоrk lіfе balance is juѕt to take a vacation. It dоеѕn't have to bе extravagant - уоu саn tаkе a fеw dауѕ оff tо gо for a drive, have a wееkеnd аwау ѕоmеwhеrе, оr you could take a few wееkѕ оff to gо іntеrnаtіоnаl. Thе аіm іѕ to get away from wоrk аnd give уоurѕеlf a рhуѕісаl and mental break. It'ѕ a great way of giving уоurѕеlf more balance in уоur lіfе.
Sometimes things juѕt need to сhаngе a bit for уоu tо gеt a greater balance. Try new things, take a new route if you drive to work. If you work from home, change up your morning routine, some days drink tea instead of coffee, do yoga or go running before you start your "work" day. Making this subtle changes adds a bіt of vаrіеtу tо lіfе аnd can make уоu fееl rеfrеѕhеd.
Mаnу оf us оvеrсоmmіt to the number of thіngѕ that wе dо іn lіfе. This is еѕресіаllу true аѕ wе gеt оldеr and have a fаmіlу аnd kіdѕ. Trying to do everything саn mеаn thаt wе do nоnе оf thоѕе thіngѕ well. You should lеаrn hоw tо recognize your limits and not try tо tаkе on too mаnу thіngѕ at оnсе. Thіѕ аррlіеѕ both to work tаѕkѕ and things аt hоmе.
Remember: Achieving a healthy balance between all areas of your life often comes down to your own ability to prioritize according to what's most important and what really matters to you.
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"I can't because..." - the list of reasons we come up with for why we don't achieve our goals is endless. What if you would stop excusing yourself and start with reaching your dreams? Discover five steps to get out of your head and into action.
You sit down at your laptop to start with your task, but instead, you end up checking Facebook. "Just for a minute" you promise yourself but then your friend texts you and you end up discussing the weekend. You fell into the procrastination trap. We've all been there, that's why our accountability coach Romina set up a three-step process to get out of the procrastination habit.
When I was approaching my 30th birthday, I found myself wondering: "Is this it?" Will I spend the rest of my life working in corporate jobs? Thankfully I realized that success is not what others tell you it is - working long and hard, being famous or having high status. Success is whatever you decide it should be.


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At the end of 2025, will any of GiveWell's top charities perform mass deworming as their primary intervention?
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According to GiveWell's Cost-Effectiveness Analysis (CEA), mass deworming ranks among the very best global health interventions. The evidence for deworming comes primarily from a single study, which showed large economic effects which were present a full decade after treatment. However, other studies have shown little to no effect of mass deworming on weight, cognitive ability, school attendance or other health outcomes, and the weight placed on the initial paper has proved controversial.
In GiveWell's CEA, deworming benefits are modeled as being entirely due to long-term economic effects like those seen in the study mentioned above. Despite being heavily discounted due to concerns about replicability, in expectation these economic effects are expected to dominate the short term health effects of the interventions.
Givewell's position is explained, in detail, in the following two blog posts:
Why I mostly believe in Worms
How thin the reed
Some more information is available in this evidence overview, written by GiveWell, which cites several papers, and this evidence overview, which was written by Evidence Action. While Evidence Action does currently run a deworming programme, they have proved capable of changing their minds on programmes when the evidence changes.
Currently, GiveWell lists seven top charities, of which four are deworming programmes.
Resolution will be according to the GiveWell website on 2026/01/01.
If GiveWell no longer maintains a list of "top charities", but allows donors to donate funds which will be re-granted at GiveWell's discretion, this question resolves positively if at least 10% of these regrants go to deworming charities in the year 2025.
"Mass deworming" is taken to mean treating all or almost all of the individuals in a group for parasitic worms, without testing to see whether they have them. This is common practice due to the low cost and excellent safety profile of deworming medication, as well as the relative expense of testing.
If a charity has multiple programmes, but GiveWell restricts its donations to a particular programme, that programme is considered to be the "primary intervention" for the purposes of resolution. Otherwise, whichever intervention the organisation spends most on is considered the "primary intervention".
If deworming medication is administered in addition to something else, for example a vaccine or vitamin supplement, at the same time, then whether "deworming" is the primary intervention will be determined by whether the majority of the value of the programme comes from deworming, according to GiveWell's CEA.
If GiveWell ceases to exist in a similar form, such that neither of the conditions for positive resolution above make sense, this question resolves ambiguously.
Some of the text in this question has been adapted from this EA forum post, by the same author.
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According to GiveWell's Cost-Effectiveness Analysis (CEA), mass deworming ranks among the very best global health interventions. The evidence for deworming comes primarily from a single study, which showed large economic effects which were present a...
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HTML entities, and escape routines.
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Without hyperbole and undue fanfare, Harper's plan for rebalancing federalism is quite simply one of the most artful and historic in the evolution of federal provincial relations. It is bound to get lost in talk about the rest of the budget, and it is overshadowed by major constitutional negotiations like Meech Lake or Charlottetown, but the 2007 Budget is deserving of the highest accolades, nonetheless.
Harper took on a seemingly insurmountable challenge: After years of Liberal cut-backs to the provinces, he pledged to pull together a deal on equalization and transfer payments, in the face of several conflicting election promises, 10 conflicting premiers, a Quebec election, a minority government situation, and hundreds of bureaucratic, political and academic skeptics. This is no small task. Harper should be commended for promising to do so, applauded for attempting, and idolized for accomplishing it.
First, provinces will be able to choose between the old system and the new system. Nova Scotia and Newfoundland and Labrador are expected to stick with the old system for a while, since their offshore accords under the old regime more than surpass the enrichments of the new regime.
Once a province has joined the new system, it can't go back to the old system. But it can choose whether it wants to calculate what it is owed based on including half of its natural-resource revenue, or based on excluding all of its resource revenues.
That choice allows for resource-rich provinces to keep their royalties and receive equalization payments at the same time, eliminating the "claw-back" that has long annoyed poorer provinces trying to improve their lot.
However, there's a cap on how much money receiving provinces can get, so that resource-rich provinces such as Newfoundland will not end up receiving transfer payments that make them richer than have-provinces such as Ontario.
Several provinces, notably Newfoundland and Saskatchewan, argued strongly against a cap, but its inclusion was crucial for Ontario and Alberta, who see it as the only way the new regime would be fair to provinces that don't receive equalization.
The premiers of both Newfoundland and Saskatchewan were quick to harshly condemn the Harper government for the cap, calling it a "betrayal" of an election promise that hampers the ability of both provinces to prosper.
But the fiscal balance package doesn't stop there. Transfers for education are being increased by about $800-million a year, distributed on a per capita basis that favours populous provinces such as Ontario. And the Canada Social Transfer -- the main funding vehicle that Ottawa uses to help provinces pay for social programs -- will rise by 3 per cent a year starting in 2009.
Both the CST and the Canada Health Transfer will be restructured so that they are on a strict per capita basis, removing all traces of equalization from those transfers that have rankled Ontario and Alberta in the past. However, there are some strings attached. The health transfers will not be restructured until the current agreement expires seven years from now. Plus, CST will now be split into an education category and a social assistance category, in an effort to suggest to provinces where they should spend the money.
But the government has imposed a floor on the transfers, so that no province will actually lose money compared with current funding levels, even after equalization factors have been sifted out. Ontario will gain about $350-million a year from the CST changes, while Alberta will see about $310-million in increased annual transfers.
Don't be fooled by Premiers Calvert and Williams. The former is facing an uphill battle against the SaskParty in an upcoming election and needs to show some anti-conservatism in order to shore up his base; the latter is known for howling at any moon that rises over Ottawa. They're both better off than before the deal, and Harper most certainly did not break his election promise to keep resource revenues out of equalization (if they choose to do so, all premiers have this option). Long story short, anyone who thought SK and NL would remain "uncapped" (i.e., receive equalization payments to the point where their per capita income is greater than Ontario) was living a pipe dream. The objections of Calvert and Williams -- much like that of Layton and Dion -- smack of crass partisanship, idealism, and knee-jerk diplomacy.
Granted, this is a one-off, seven-year deal. It is not as permanent as the premiers would have liked (e.g., indexing the transfers to GST revenue, or vacating tax room). This is the one down-side, but one grounded in the reality that economies and politics change a lot in a decade.
In the end, however, Harper's masterful rebalancing act was not only the best deal possible, it was even better than any imaginable just months ago. Kudos to him.
"Generally, we think this is a positive budget and we would actually suggest to people that they should vote for it."
"The equalization number was slightly higher than I expected. All in all it is on the positive side of the ledger."
"There are a number of real positives for Ontario. I think we've made some significant progress."
"I think it's a real tribute to the premier [McGuinty] that he has argued this case forcefully across the country and the net benefit of that argument is not only going to help this province, but all 10 provinces and three territories."
Most of the budgets I've paid attention to in my lifetime have come in the past 30 years or so. They all had some things I liked and some things I didn't but I will say this now. This budget is the very first one I can recall which directly targets the middle income taxpayer.
In all of the previous ones it seems to me that the government in power pandered to the galloping hordes of very loud special interest groups. To some extent the same holds true in this budget but it is interesting to note that the current government has, through their latest effort, diverted the motor mouths who scream the loudest by changing the rules on the "fiscal imbalance".
If you are "His Blondness" or this guy you could have a huge problem coming down the pipes.
Therefore, I am not surprised by all the shouting and screaming.
"You see" — Canada has been a socialist dreamworld for "lo, these many years" as very loud special interest groups were able to repeatedly target the federal government for more money. All of a sudden they have to start chasing after their respective provincial premiers to get their grubby little mitts on the money which Harper has seen, in an unseemly fit of benevolence, to bequeath upon them.
And so they will go away.
Instead of chaining themselves to Harper's front gate they will instead chain themselves to "McShifty's" front gate "cause that's where the rainbow ends". You get the drift.
and I invite you to do the same. It`s all about how to choose a correct partner who uses your money in a right way - that`s it!.
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