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2016 Distribution Conference for Financial Services
The New Mosaic – Picture Your Place
Hilton Miami Downtown, Miami, FL USA
Overview Registration Hotel/Venue Agenda Speakers Sponsors / Exhibitors
2016 Distribution Conference for Financial Services Brochure
Dedicated to helping distribution executives and professionals achieve ever-greater success, this conference will present leading-edge strategies to enhance operations and increase sales. This is the premier event for anyone with a vested interest in channel growth, productivity, and reshaping distribution for success.
Where do you fit in the distribution mosaic?
The distribution landscape is changing dramatically and becoming more and more complex. Everything has changed in our world – consumers, advisors, regulations, technology and channels are very different. So different, in fact, that a new mosaic – one with more pieces and facets than ever before – is taking shape. A strategic response to today's market conditions is called for in order to survive – and thrive. Successful companies will fundamentally rethink their value propositions, product design, distribution and delivery mechanisms, and economics.
This year's conference will address today's distribution reality and the dramatic changes that are taking place in the industry. We will bring you up to date on the latest issues, approaches, and trends impacting how the market purchases your products and services, and how you need to support advisors and reps. This critical information will help you formulate a response to today's market conditions – and not only survive, but thrive.
The 2016 Distribution Conference for Financial Services provides you with the opportunity to network with your peers and leading industry experts as we gather to discuss strategies to help you realize your potential and create optimal returns. Learn about all the pieces in the distribution mosaic and gain a new perspective on how the industry can reinvent and redesign its business model.
Don't miss this premiere event for distribution professionals and others that have a vested interest in channel growth, productivity and reshaping Distribution to succeed in today's business environment.
Early Registration Fee:
LIMRA Member: $1,195
LOMA Member (but not LIMRA): $1,795
Nonmember: $2,390
After January 29, 2016
Register online or use Mail/Fax Registration form
LIMRA requires prepayment of registration fees prior to all conferences and meetings. Please make checks payable to LIMRA in U.S. dollars drawn on a bank in the United States. For Vendor registration fees, call Event Registration at 800-235-4672 (U.S. and Canada) or 860-285-7789.
All cancellations must be received in writing. Cancellations received before February 3, 2016, will be refunded, less a $75 processing fee. Cancellations received from February 3, 2016, to February 17, 2016, will be refunded, less a $275 processing and administrative fee. No refunds will be issued after February 17, 2016.
In the event that a scheduled meeting or event is cancelled by LIMRA for any reason, LIMRA shall refund any conference registration fees that have been paid by the registrant. Under no circumstances, however, shall LIMRA be liable to the registrant for any other expenses including, but not limited to, airfare and hotel expenses incurred by the registrant.
Hotel/Venue
Hilton Miami Downtown
The Hilton Miami Downton Hotel is now sold out
Please call A Room With A View for information on the official designated LIMRA Distribution
Conference for Financial Services overflow hotel. They will secure the lowest available rates
at the best available hotels within walking distance of The Hilton Miami Downton Hotel
Should cancellations occur at Hilton Miami Downton Hotel, A Room With A View will contact
attendees, in the order in which reservations were booked, to transfer attendees back
to Hilton Miami Downton Hotel
A Room With A View can be contacted at 1-800-780-4343
Monday- Friday 8am – 5pm CST
International attendees can reach them at reservations@aroomwithaview.net
This is a Free Service for all LIMRA LOMA attendees
Print Abbreviated
4:00 pm - 5:00 pm: VALUE-ADDED WORKSHOPS
VA1. Evaluating Market Opportunity to Achieve Distribution Efficiencies and Expansion
PHIL BROWN, Leader, Customer Experience, LIMRA
How do you determine your next geographic territory to expand your distribution? Where should you focus your resources? What should you expect for sales? These questions represent some of the most fundamental issues we face when considering distribution efficiency and expansion. This workshop will discuss how your existing sales data can be leveraged to identify untapped or under-performing geographic market opportunities, and provide a data-driven, and analytic approach to supporting your growth objectives.
VA2. One Size Fits None
BREANA MACKEN, Assistant Research Director, Distribution Research, LIMRA
SARAH A. SCHMIDT, ACS, ALMI, Instructional Design & LMS Consultant, Assessment and Development Solutions, LIMRA
Are you trying to recruit today's candidate with yesterday's language and techniques? Considering that only 10 percent are attracted by an "entrepreneurial" career, this could set your recruiting success back. Learn how to transform your strategy, messaging and candidate experience to remain relevant in the war for talent — regardless of your distribution channel. Drawing on LIMRA's Young Advisor Series this session will help you:
Examine today's realities of "candidate driven" recruiting
Explore what motivates the Advisor of the Future
Learn what you can do and say to attract the most in-demand, and demanding, candidates
WOMEN LEADERS' RECEPTION
Explore and exchange questions, ideas and solutions with other women executives in the industry.
For LIMRA members only.
HOSPITALITY RECEPTION – Sponsored by IMN
LIMRA WELCOME RECEPTION
OPENING AND WELCOME
The Omni-Channel Imperative: Bridging the Experience Gap to Meet Consumers on Their Terms
John W. Chandler, Jr.
Senior Vice President, Chief Marketing Officer, MassMutual Financial Group
We've all seen the LIMRA data before — U.S. life insurance ownership is at an all-time low and American consumers are woefully underprepared for retirement — and the trends are only getting worse. MassMutual CMO John Chandler believes this isn't because the need has gone away, but rather because the experience is so out of sync with today's consumer. Join him as he discusses the impact that this experience gap is having on the industry, and then shares some of the initiatives that MassMutual has undertaken to meet the demand for choice and personalization in our digital-first, consumer-driven world.
Market Conditions Don't Determine Growth…You Do!
Mark King
adidas Group North America
TaylorMade Golf Company
In any flat market there are companies that shrink and those who grow. As everyone knows during such times there is only one way to grow: Take market share from your competitors. This is precisely what TaylorMade did under Mark King's leadership. From 2000 to present day, golf has been a no-growth market. During that time TaylorMade quadrupled its size from 300 million to 1.2 billion dollars and continues to show solid growth. One of Mark's core beliefs centers around the concept of growth as a cultural mindset that must be infused into the bloodstream of the organization at every level. It is the leader's responsibility to establish this and be a tireless promoter of it.
10:30 am - 11:30 am: CONCURRENT WORKSHOPS
Agency-Building Distribution
STEVE GARRITY, COO and Founder, Hearsay Social
PETER PETERSEN, Director, Strategy and Shared Operations, Northwestern Mutual Life Insurance Company; ROB NEWMAN, Managing Partner, National Planning Corporation; Moderator: JESSICA MADIGAN, Director, Leadership Development, Securian Financial Group
New technology is not just about new channels or business models. Many of the newest innovations will allow our advisors to meet and serve their clients on their client's terms. These innovations have the promise of increasing efficiency and efficacy. Attend this session and hear how some companies are leading the way to a better model for the future.
Multiple-Line Exclusive Agent Distribution
NATE PEARCE, Regional Sales Manager, MetLife Auto & Home
DANIEL TORSAK, Chief Operating Officer, Paradigm Life; Co-moderators
MICHAEL DUNNE, Assistant Vice President, Independent Financial Network Strategic Alliances, Penn Mutual Life Insurance Company
ELLEN KUGEL, Director – MPCG/P&C Alliance and PCS Sales, MetLife
Our industry is gaining traction with recruiting the "next generation" of sales talent and finding ways to use technology in prospecting and working with clients. This workshop features leaders who employ next-generation recruiting strategies and technology to make prospecting, sales development and support more attractive, creating a work culture where the next-generation can thrive. Hear how one firm was able to transform itself from a mortgage brokerage firm into a thriving life agency. Another speaker will share insight behind his brand of making others successful, especially among millennials, and the impact of targeted messaging campaigns to spread the word of what the career has to offer.
Independent Producer Distribution
Brokerage Distribution
JAMES A. POOLMAN, President, Jim Poolman Consulting, Inc.
JAMES P. PULHALA III, Vice President – US IG Compliance, MassMutual
Moderator: MARK PETERSON, Senior Vice President, Life Brokerage, AIG Life and Retirement
Concerns about fraud and regulatory scrutiny create complexity and confusion across the industry. With an aging population and new regulations, a lack of clarity on suitability and sales practices create significant risks, both politically and financially. Our experts will expand and update their on-target 2015 presentations, with focus on cooperative efforts and "getting to 'yes'."
Direct-to-Consumer Distribution
NORAH DENLEY, Assistant Research Director, LIMRA
RONDA GIACOMARRA, Client Relations Director, Contact Center Services, Assessment and Development Solutions, LIMRA
Changing technology and consumer expectations are driving companies to revisit how they market, sell, and service. Whether it's phone calls or click to chat, service or sales, connecting with consumers is critical. The industry is looking to use contact centers in new ways to benefit both the consumer and the business.
Consumer and technology trends impacting financial services
Examples from companies using new ways to connect with consumers
Key considerations in preparing for new contact center models
1:00 pm - 2:00 pm: CONCURRENT WORKSHOPS
LAILA HICK, Vice President, Northwestern Mutual Life Insurance Company
DONALD OTTO, Vice President, MetLife Premier Client Group
Moderator: SARAH L. KOENIG, J.D., CLU, LTCP, Director – Field Growth and Development, Northwestern Mutual Life Insurance Company
What are the characteristics and competencies we need to be seeking and developing in the future leaders of our firms? What does the selection process need to be? Do we have the "right" leaders in the pipeline today, given the changes in technology, communications, channel expansion and client expectations? How will we hold them accountable in order to have the best talent for our organizations? Hear how Northwestern Mutual and MetLife Premier Client Group are taking steps today to ensure the right leadership going forward.
DAVE EDINGTON, Senior Vice President, Epsilon
Moderator: JOHN MURPHY, Vice President Marketing Development & Education, The Horace Mann Companies
Learn how data savvy companies are putting BIG DATA into the hands of field personnel to deliver heightened customer experiences and drive better results. While gains have been made at the corporate level to harness the power of Big Data — leading companies are now addressing how to Distribute the Knowledge gleaned and make it actionable on the front lines in real time. Several relevant case studies will be shared during this workshop.
KIM SIEGERS, CGA, CPA, Director, Business Transitions and Advisor Teaming, Great-West Life Assurance Company
TRACEY SMITH, CPA , FLMI, Vice President, Distribution Operations & Finance, Ameritas Life Insurance Corp.
Moderator: NICHOLAS BARISHIAN, LLIF, Second Vice President, General Agencies, Boston Mutual Life Insurance Company
Succession planning is a vital piece of our industry's new mosaic. It is complex and requires years of thoughtful and purposeful action to make it a reality, particularly in the independent channel. There are many facets to this issue — it's more than buying or selling a practice and it is a process, not an event. In this timely workshop, several organizations share how their dedicated succession planning programs are addressing this important issue. Learn how one company uses a teaming strategy as an effective method of improving current and future client retention and how it has facilitated a seamless transition of practice equity and ownership. There will also be a discussion of the pros and cons of "doing nothing." In other words, which is more cost effective to the carrier and/or manufacturer — to be (or not to be) involved in succession planning for independent producers?
BLOKE MOHR, CEO, Capitas Financial, Inc.
BLAIR O'CONNER, Senior Vice President, Sales, Producers Choice Network
Moderator: JOHN KNOWLES JR., CLU, Vice President, Head of MGA Relationship Management, Lincoln Financial Group
Everyone talks about the wirehouse/BD opportunity, but who's developed a success strategy? What are the keys to unlocking the potential of these investment-focused financial professionals? Hear two strategies for approaching this high-potential combination.
JOEL SCHWARTZ, Head of Marketing & Finance, Colonial Penn Life Insurance Company; Moderator: LAUREN MCCALLUM, Client Relationship Manager, Niche Markets & Specialty Accounts, LIMRA
It's one thing to have multiple Direct to Consumer sales channels, it's quite another to continuously and successfully funnel sales opportunities to them. Attend this session to learn how one company:
Has a powerfully integrated and connected Direct Response Sales & Marketing culture
Balances Lead Generation, Prospect & Customer Reactivation Marketing efforts across sales channels to maximize marketing cost/sales effectiveness
Embed a strong sales culture within its Customer Service team
Views best practices of the Telesales "Rep of Today and the Future" that will cover topics including recruiting, talent acquisition, hiring, licensing, training and compensation
JENNIFER GLOVA CKI, CLU, ChFC, Vice President, Member Care Services, Thrivent Financial; YVES PIETRACOUP, Director, Training and Development, Sun Life Financial
Moderator: ROBERT POPA ZZI, CLU, CHS, BA, Assistant Vice President, Sales Force Growth and Development, Sun Life Financial Distributors (Canada) Inc.
There are numerous responsibilities on the shoulders of today's financial professionals — they must be continual students of the business, effectively and efficiently marketing their services, constantly prospecting, while compliantly serving and supporting their clients. Attend this session to hear how some companies are providing virtual support to their advisors — all to help them become more productive. Come away from the session with some approaches that may make a significant difference for your advisors and channel.
SIMON REED, Leadership Enterprise Development, State Farm
JOHN RENTZ, Associate Vice President, Nationwide Financial
DON SANDS, Vice President Strategic Distribution, Allstate Financial
Moderator:SUE BEIGIE, Marketing and Sales Director, State Farm
The insurance industry is ripe for distribution disruption. To grow in this environment, it's important that multi-line exclusive agent companies equip their agency force for the future. Cultivating life insurance business can help increase the cross sell of other products for new and existing customers. This workshop examines what future success looks like and how we get there, including:
What does a successful multi-line agent look like?
What works well today that can be leveraged?
How are some companies addressing this challenge?
LUKE COSME, Senior Vice President, Chief Sales and Marketing Officer, Mutual Trust Life Insurance Company
TODD W. REIMERS, CLU, LLIF, Senior Vice President and Chief Marketing Officer, Assurity Life Insurance Company
Moderator: JOHN DELPOZZO, CLU, Senior Vice President, PGA Distribution, Ohio National Financial Services
We'd all agree that no matter when we started in the life business, very few if any failed placing 100 applications per year. We've all heard the numbers, producers decreasing, lack of new producers and ownership down. What are we doing to increase life insurance ownership? Come to this interactive session to learn and discuss creative ways to address this significant concern.
JANE DEMUTH, Director, Marketing Communications, Crump Life Insurance Services
KIRSTEN LEES, Vice President of Channel Marketing, AIG Global Consumer Insurance;
Moderator: CRAIG KLENK, Vice President, Sales, Independent Marketing Group, American National Insurance Company
One challenge of working through BGA/IMO partners is determining whether carrier information is reaching the ultimate producer. Typically, intermediary partners want to control communication flow to their producers. This issue has implications for effective communication from training to product updates to compliance. This workshop will focus on best practices for communication without causing channel static.
DOUG BAKER, President & CEO, Teachers Life; Moderator: BRENT LEMANSKI, CLU, LLIF, AVP, Executive Director, LIMRA/LOMA Canada
People can now buy any of millions of products online at anytime from anywhere — without talking to anyone. Is that possible with life insurance? The easy answer is "yes." But how can it be done? Learn how one small company is leveraging technology and streamlining the online buying process to:
Reach more underinsured consumers, where they want to buy, when they want to buy
Meet the expectations of consumers weaned on online shopping
Selling in a Social World
Founder and President, Mindset Digital
Debra Jasper, Ph.D.
Founder and CEO, Mindset Digital
In this session, Mindset Digital will provide you with practical tips in how to use LinkedIn and social strategies to generate leads and increase business. They'll walk you through the three curses that stand between your sales teams and their clients, and show you new approaches and tools for expanding your networks, building your reputation and sharing expertise. This high-energy, high-level talk will help you apply new thinking in a real-time world. Then they'll focus on the practical, including how to:
create powerful and professional LinkedIn profiles
leverage the latest platforms to strengthen relationships and drive new business
expand thought leadership
recruit more effectively
demonstrate how to stand out from the crowd to amplify your professional — and personal — brand
Vizcaya Museum & Gardens
Join us to celebrate LIMRA's 100th Birthday sponsored by the Miami Convention & Visitors Bureau and their Partners. Your support and participation has helped us create a remarkable legacy – one that we want to continue for many years to come. Please join us at the breathtakingly beautiful Italian Renaissance gardens of Villa Vizcaya as we celebrate a century of service to you.
Buses Leave the Hilton at 5:45 p.m.
Buses Leave Vizcaya at 8:00 p.m. to return to the Hilton Downtown Miami.
Dress Code: The dress code is business casual. Let us emphasize for the ladies – comfortable flat shoes are strongly suggested as the grounds and stone terrace are uneven and high-heels will likely get stuck in the crevices. Wedges, flats, or non-stiletto heels are recommended for your comfort.
Sponsored by Greater Miami Convention & Visitors Bureau
8:00 am - 9:00 am: CONCURRENT WORKSHOPS
JESSICA GAUDIO, Director, MyPath™ at The Institutes
MATTHEW GIBSON, Vitality Sales & Distribution VP, John Hancock
GARETH ROSS, Senior Vice President, U.S. Insurance Group, MassMutual
Moderator: ROB QUESNEL, Life Sales Director, American Family Life
LIMRA research has shown that consumers are disconnected from our industry. We must craft a bridge to the public in order to address their financial security needs and to attract the next generation of advisors. This session will showcase specific examples of companies who are engaging with consumers in new, innovative ways, making them stand out in the minds of the consumers. Additionally, MyPath™ of The Institutes, will share their initiatives to provide a unified voice to educate and excite students and young professionals about the prospects of career options within our industry.
MATTHEW GIBSON, Vice President, U.S. Insurance, John Hancock
RONALD C. ALEXANDER, CFP, Senior Vice President, Crump Life Insurance Services
MARTY JOHNSON, CLU, AALU, FLMI, Vice President, Underwriting, Mutual of Omaha Insurance Company
STEPHEN ROBINSON, Vice President, IMO Sales Leader, Legal & General America; Debra Smith, Senior Vertical Account Manager, LexisNexis
Moderator:ERIC P. MILLER, Vice President, US Life and Annuity Sales, Independent Order of Foresters
Carriers who distribute through independent and intermediary channels are constantly challenged to "make it easier" for producers. The ever-evolving potential for technological efficiencies presents a range of business-facilitation options to achieve the "Digital Dream." In this return engagement of our game-show participative format, our "host" will challenge the teams to identify new ways to "Automate This!"
DEBRA G. ROBINSON, CCMC, Director, Customer Care Operations, Member Services, Thrivent Financial; ROBERT J. WHITESEL, CFP, Line Manager, Vanguard Annuity & Insurance Services; Moderator:JOHN J.HAWK, SR. LUTCF, FSS, ALMI, ACS, Director/General Manager, Direct Sales, AAA Life
There has been a philosophical change in the relationship between customer service and direct sales. Once separate organizations with narrowly focused interactions, they are now increasingly integrated operations focused on serving the whole customer. This session will examine two approaches for harnessing service to help generate sales:
Contact center reps who leverage service to help with sales and retention
Contact center reps who have the ability and permissions to sell
REFRESHMENT BREAK AND EXHIBITOR PRIZE DRAWING
The DOL Fiduciary Proposal: Positioning for Change
Aaron Klein
CEO, Riskalyze
Christopher Raham
Principal Financial Services Office, EY
W. Mark Smith
Partner, Sutherland Asbill & Brennan LLP
Scott Stoltz, CFP
Senior Vice President, Private Client Group
Investment Products and Wealth Management Division, Raymond James
While we can debate WHAT will ultimately be passed, most agree that new DOL Fiduciary requirements WILL be passed. So how do you prepare? Led by Christopher Raham, a Principal in the Financial Services Office of EY, we are convening an industry panel of senior leaders across Distribution, Manufacturing, Technology, and Law to discuss what firms are doing now to prepare. This won't be another review of the WHAT the specifics of the proposed DOL regulation are, but instead, these leaders will share current insights around the strategic questions the new DOL fiduciary proposal raises and what firms are doing today to prepare for that vision.
How are firms thinking about the transformation of front-end operations and related support functions?
How will positions on distributors' platforms be affected?
How are some turning this into a competitive advantage?
The Evolution of Advice
Patrick T. Leary, M.B.A., LLIF
Corporate Vice President, Workplace Benefits Research, LIMRA
In today's ever-changing financial services landscape, one thing remains constant: the consumer's need for information and advice. But while the need is constant, what has changed is HOW they will seek out and obtain that information and advice. There are many options at their disposal, from web-based solutions to trusted financial professionals and everything in between. What do consumers think about these options? What information and advice are they looking for? Highlighting new LIMRA research, this session will show what organizations must do to align their strategies and connect today's — and tomorrow's — consumer with the advice they want and need.
8:05 am - 9:00 am: GENERAL SESSION
John Chandler is Senior Vice President and Chief Marketing Officer for Massachusetts Mutual Life Insurance Company, responsible for the branding, advertising, web and social media, product marketing, and community responsibility efforts of this Fortune 100 Company. Before joining MassMutual, John was Chief Marketing Officer at The Hanover Insurance Group, leading rebranding of the former Allmerica Financial Corporation. Prior to that, he held senior marketing and brand management positions in the U.S. and Europe with leading consumer marketers Hasbro, Holiday Inn, Cadbury Schweppes, and Frito Lay. John earned his bachelor degree at Trinity College in Hartford, Conn., and a Master's in Business Administration from the Amos Tuck School at Dartmouth College. He is Chairman of the Board for the Springfield Symphony Orchestra, a board member of the Economic Development Council of Western Massachusetts, and is actively involved in several marketing and insurance industry organizations.
3:45 pm - 4:45 pm: GENERAL SESSION
Betsy Hubbard helps leaders in Fortune 100 firms and healthcare organizations get up to speed in a digital age. She and her colleague, Debra Jasper, have provided training and consulting to more than 25,000 people and delivered keynote talks around the world. Before starting Mindset Digital, Betsy worked in higher education, transforming the Kiplinger Program in Public Affairs Journalism into the first social media fellowship for journalists and teaching graduate courses on digital media. She has also worked in philanthropy as a grant maker, overseeing projects at The Pew Charitable Trusts, and as a consultant, conducted research on leadership and organizational performance for a range of clients, including the Brookings Institution. Betsy has degrees in political science and public policy, with a year spent abroad at the London School of Economics.
Mobile, custom, fast and easy. That's what it takes to meet the demands of today's digital consumer. That's why Mindset Digital Founder and CEO Debra Jasper is passionate about helping leaders compete in a world of AI, charming chatbots, emotion analytics and more.
An international speaker, Debra has given keynotes in more than a dozen countries, from the Global Internet Conference in Australia to Sweden's Schibsted Academy and the Ukrainian Council of Ministers. Today, tens of thousands of people are enrolled in her firm's highly engaging programs that drive new habits—and measurable results. Named one of the top 12 female entrepreneurs in North America by Ernst & Young, Debra works with a wide range of leaders across Fortune 100 financial firms as well as healthcare, hospitality and tech organizations.
James W. Kerley, LLIF
Chief Membership Officer, LIMRA and LOMA
Jim Kerley is a member of the executive team that leads LIMRA and LOMA. In his current leadership role, his primary objective is to deliver products and services to member companies that are strategic, contemporary, and relevant. He is also responsible for member relationship management for the 450 U.S. and Canadian members. Jim joined LIMRA in 2007 as President of LIMRA Services, Inc., to oversee the development and delivery of a wide range of products for their global membership. With the completion of the merger of LIMRA and LOMA in 2010, Jim now serves in that role for both organizations. Jim is also a LIMRA Leadership Institute Fellow.
9:30 am - 10:20 am: GENERAL SESSION
Aaron's career has largely been at the intersection of finance and technology. As co-founder and CEO at Riskalyze, he led the company to twice being named one of the world's top 10 most innovative companies in finance by Fast Company Magazine. Today, 90 Riskalyzers serve thousands of advisors who manage over $121 billion on the platform. In his spare time, Aaron serves as a Sierra College Trustee, and co-founded a school project for orphans and vulnerable kids in Ethiopia. He has been honored by Investment News as one of the industry's top 40 Under 40 executives.
Mark King, the president of adidas Group North America and chairman of the TaylorMade Golf Company, was born and raised in Green Bay, Wisconsin and graduated from the University of Wisconsin-Green Bay. He joined TaylorMade Golf, then a start-up company, in 1980 and spent 20 years in sales before he was elevated to president in 1999 and CEO in 2002. King immediately implemented a strategy of developing innovative, technologically superior equipment for better players at a fast rate, and success quickly followed. TaylorMade became the No. 1 driver brand on world's major professional tours, and sales rose steadily from $300 million in 1999 to $1.7 billion in 2012, although the industry was flat and the world economy was challenging. King oversaw the acquisition of the Ashworth and Adams Golf brands, and instigated growth every product category: clubs, balls, footwear, apparel and accessories.
10:20 am - 11:15 am: GENERAL SESSION
Patrick T. Leary, M.B.A., LLIF, is corporate vice president, workplace benefits research for LIMRA. This program provides research on the employee benefits marketplace, focusing on the products, markets, and distribution of a wide range of life, health, and related employee benefits.
Before assuming his current position, Pat directed LIMRA's distribution research program and, prior to that, was a member of LIMRA's group insurance research team.
Pat joined LIMRA in 1989. He earned his bachelor's degree from Hartwick College and his M.B.A. from the University of Connecticut. Pat also earned his LIMRA Leadership Institute Fellow (LLIF) designation in 2012.
Mark Smith, a partner at Sutherland, is a nationally leading ERISA lawyer. Since 1981, banks, broker-dealers, insurance companies, investment advisers, mutual funds, retirement platform providers and plan sponsors have engaged Mark for a broad range of consulting, transactional, regulatory and litigation matters. Clients say he has "extensive experience" and provides solutions that are "concise, easy-to-understand" and "invaluable; he is very adept at assisting clients with navigating the regulatory waters." He has been heavily involved in advocacy related to the DOL fiduciary proposal, and is working with a number of retirement product and service providers in evaluating the impact of and business response to the proposal. Mark is a fellow of the American College of Employee Benefits Counsel, has been recognized in Best Lawyers in America and Legal 500 USA, and, from 1999 to 2007, served as partner-in-charge of Sutherland's Washington office and firmwide Executive Partner. He currently leads Sutherland's tax and employee benefits practice.
Scott Stolz oversees the Insurance and Annuity Division, the Alternative Investment Group, Structured Products, Mutual Fund Research & Marketing, Options, Financial and Retirement Planning and Portfolio Solutions. He and his management teams are responsible for providing sales, marketing and administrative support to Raymond James' 6000+ financial advisors for each of the product areas. Prior to joining Raymond James in 2005, Stolz spent 9 years as Jackson National Life's Senior Vice President of Administration. He has been a frequent speaker over the years on many topics affecting the annuity industry and customer service.
Chris is a Principal of EY, with more than twenty years of experience serving the financial services industry, with a focus on insurance. Leader of the firm's Retirement Income team, Mr. Raham is responsible for the delivery of product and services aimed at institutions seeking a competitive advantage in the retirement market. Chris is a Fellow of the Society of Actuaries, a Member of the American Academy of Actuaries, and a holds a Bachelor of Science from the University of Calgary.
SEE ALL OF OUR SPONSORS AND EXHIBITORS
We are close to selling out Exhibit Space for the Distribution Conference. If you are interested, please contact Barbara Kimball to determine current availability at: Bkimball@limra.com; 860-214-3350.
Elite Strategic Partner
Digital Training Strategic Partner
Contact us to learn more:
Suzanne Melanson
smelanson@limra.com


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Liberal Emigration Wave: Why Sergei Guriyev May Leave Russia
Sergei Guriyev. Source: Forbes Russian
Sergei Guriyev, dean of the Russian Economic School, has resigned of his own accord from the supervisory board of Sberbank and has written a request not to include him as a candidate in the voting list at the annual meeting of the bank's shareholders. Sberbank announced this 28 May, adding that Guriyev explained his wish was "due to personal circumstances". Guriyev told Forbes that the decision was linked to his personal circumstances unrelated to Sberbank.
"The decision not to run for the new slate of the supervisory board was not one I took under pressure; none of the directors of Sberbank told me to my face, or, as far as I know, said behind my back, that I should not run," said Guriyev.
A colleague of Guriyev's on the board of directors of the Agency for Housing Mortgage Lending (AHML), which Guriyev left in November also of his own accord was surprised at Guriyev's decision. According to the source, Guriyev left AHML in order to have more time for work on the Sberbank supervisory board.
Guriyev also heads the board of directors of the Russian Venture Company (RVC). Igor Agarmizyan, general director of RVC, could not explain whether Guriyev intends to run for the next term, although he noted that at the present time the annual election to the board is under way, and Rosimushchestva [State Property Agency] is authorized to run candidates for the board. Guriyev told Forbes that he would not put in his nomination for the board of RVC "for the same reasons as for the supervisory board of Sberbank."
Alexey Savatyugin, former deputy minister of finance wrote on his Twitter account on 20 May: "Hurry to buy Guriyev's books while they are for sale…" Meanwhile, two acquaintances of Guriyev's who learned of his resignation from Sberbank's supervisory board recalled that the famous economist's family live in France and suggested that likely he intends to leave Russia. Guriyev himself did not reply to a direct question from Forbes about whether he planned to leave Russia.
Late Tuesday, Interfax cited a source that said Guriyev had also submitted his resignation to the post of dean of the Russian Economic School as well.
Recently, Sergei Guriyev has experienced a certain amount of pressure from the authorities. A government official confirmed that in early 2013, Guriyev was invited for a talk with law-enforcement agencies in the so-called Experts' Case. As The New Times wrote, investigators were interested in the work of Russian experts who took part in the public review of the second criminal case of Mikhail Khodorkovsky (the experts doubted the legitimacy of the sentence). An acquaintance of Guriyev's told Forbes that the investigators were interested in the conditions of the work of the experts, their connection to the Higher School of Economics and the Russian Economic School (RES). Simultaneously, tax officials conducted an inspection of the RES, which turned "into a frightening picture overall," said the source. Guriyev said that no charges were filed against him at all, and refrained from further commentary, citing his signature on a non-disclosure statement.
Guriyev is currently on vacation abroad.
Guriyev is known for his sympathies to the liberal opposition; he is friendly with Alexey Navalny. Upon learning of Guriyev's resignation, a source in the leadership of the Coordinating Council of the opposition recalled [author] Boris Akunin's appeal at the last rally on Bolotnaya Square: he asked people with good reputations to refrain from cooperation with the current government.
Igor Fedyukin, deputy minister of education(in the past, director of RES's applied research) also submitted his resignation from his post as well. Fedyukin had been appointed deputy minister in June 2012. At the ministry he was responsible in particular for the system of government accreditation of scientific and science educational personnel and the work of the Superior Attestation Committee.
"I hope that my departure will at least in part reduce the unprecedented tension, growing with each day, which has now formed around the decisions taken by the ministry," Fedyukin told RIA Novosti.
On 28 May, Izvestiya cited a source in the ministry that Fedyukin was dismissed and received the notice of his firing the next week. "The publication does not correspond to reality from start to finish," he said the same day. He emphasized that at the present time, an information campaign is underway against the ministry because after the ministry uncovered a number of cases of plagiarism and fraud in the dissertations of highly-placed officials and politicians.
Alexey Navalny Russian Economic School Sberbank Sergei Guriyev
State Department Says US Has No Plans to Contact Rybka Re: Possible Revelations on Russian Interference in US Elections
New Russian Facial-Recognition Tech May Fight Crime But It's Already Misused Against Opposition
3 Ukrainian Soldiers Wounded in Battle; 2 Civilians Injured in Shelling; 1 Feared Abducted
Upwards Of One Thousand Protesters, Including Opposition Leaders, Arrested In Russia
Russian Officials Planned to Influence Trump Aides; Truckers Detained; Gogol Theater Searched, Putin Comments
Russian Bombers Fly Near Alaska; Opposition Leader Navalny Denied Travel Abroad for Medical Care

redpajama_set_name: RedPajamaCommonCrawl


text:
The BT Archive
News National 2016 03 22 Indonesian jailed for illegal entry
Indonesian jailed for illegal entry
22 March 2016 The Brunei Times National 0 minutes, 53 seconds
A MAN who claimed to be an Indonesian national was sentenced to serve three months and three strokes of the cane yesterday after he admitted to entering Brunei without a valid pass.
The court document stated that on March 11 this year, at about 7.45am, the defendant, Karel Duly, 41, was arrested at Simpang Melayan Labi, Ulu Belait, by officers from the Labi police station.
During investigations by the police, it was revealed that Karel entered Brunei without valid documents.
On March 12, Karel was surrendered before the Immigration Enforcement Section in Kuala Belait for further Investigation.
During investigations, Karel in his statement said that he first entered Brunei some time in February this year. He entered Junjungan Brunei from Kampung Gadong, Limbang, by foot.
Karel's purpose for entering the Sultanate was to find sandalwood in Brunei's forest. According to the defendant, he was in the forest for three weeks.
Following the sentencing, the court has ordered Karel to serve the sentence with effect from the day when he was first remanded on March 12.The Brunei Times
The BT Archive is a repository for articles and items from the now-defunct The Brunei Times newspaper. (more)
The BT Archive: About | Medium | Twitter


text:
Vote for a 2023 Prompt: Week Two
September 12, 2022 September 12, 2022 / 3 minutes of reading
Help us pick a 2023 Prompt! Week Two: September 12-18, 2022 Thanks to everyone who voted in last week's poll! While we're busy tallying up our three city finalists from last week, we're excited to get started on our week two vote — the author prompt for 2023! This is a prompt that we KNOW you have an opinion on… …
Vote for a 2023 Prompt: Week Two Read More »
Vote for a 2023 Prompt: Week One
September 5, 2022 September 5, 2022 / 3 minutes of reading
Help us pick a 2023 Prompt! Week One: September 5-11, 2022 Hello 52 Book Club friends! It's that time of year again! The time where we start thinking about new prompts for next year's challenge! If you've been a part of The 52 Book Club in the past, you'll know that we love inviting you to share your ideas for …
Vote for a 2023 Prompt: Week One Read More »
The 52 Book Club's 2021 Reading Challenge Finishers!
2021 Reading Challenge Finishers, You Did It! 2021 is drawing to a close and to celebrate, we've put together a couple of official graphics to share your reading challenge success with the world! Share these on your social media pages when you show off your 2021 reads. Don't forget to use #the52bookclub2021 so we can see it too!
The 2022 Reading Challenge: Goodreads Lists
November 20, 2021 December 1, 2022 / 3 minutes of reading
The 2022 Challenge: Goodreads Lists Did you know that The 52 Book Club has a dedicated Goodreads group? This is a great spot to share your reads and recommendations, and to find books too! We also have a Goodreads List for EACH of the 2022 prompts. (Huge thanks to our admin, Lindsey for that!) To help you easily find the …
The 2022 Reading Challenge: Goodreads Lists Read More »
The 52 Book Club's 2022 Reading Challenge Guide
November 15, 2021 November 15, 2021 / 31 minutes of reading
The 2022 Reading Challenge Guide We are so excited to take a closer look at our 2022 Reading Challenge! In this post, we're going to examine each of the fifty-two prompts on the 2022 challenge. If you're stuck on a prompt or have a specific question about it, this is the place to check first! Before reading the 2022 guide: …
The 52 Book Club's 2022 Reading Challenge Guide Read More »
Three Winning Prompts – A Sneak Peek at 2022!
October 2, 2021 November 11, 2021 / 2 minutes of reading
Who's ready for a sneak peek at the 2022 challenge? We have just three months left to finish the 2021 challenge. Some of you have a few prompts left, some have already finished, and some are just joining in. No matter what, I know we're all excited to find out what's in store for next year! That's why I am …
Three Winning Prompts – A Sneak Peek at 2022! Read More »
How to Read 52 Books in 52 Weeks
January 26, 2021 November 10, 2021 / 7 minutes of reading
Studies say that the average person reads somewhere between four to twelve books a year. Here at The 52 Book Club, we like to push our challenge participants a little further by encouraging them to expand their reading and attempt 52 books in 52 weeks. There are a lot of reasons as to why you should read more. (Expanding vocabulary …
How to Read 52 Books in 52 Weeks Read More »
How To Create A Book Journal
January 5, 2021 November 10, 2021 / 5 minutes of reading
Post contains affiliate links. As an Amazon associate, I earn from qualifying purchases. One of the best things to happen to my reading-life was a book journal. I find immense satisfaction in finishing a book and recording it in my tracker. Not only is it a great way to document my reads and goals from year to year, seeing those …
How To Create A Book Journal Read More »
12 Ways to Make Your Reading Challenge MORE Challenging
December 15, 2020 November 15, 2022 / 7 minutes of reading
For some of us, reading fifty-two books in a year is challenging enough. But there are also a few 52 Book Club members who whiz through this challenge every year, completing all the categories by April. So, for those looking for a way to INCREASE the difficulty of your reading challenge, here are 12 "mini-challenges" to add to any 52 …
12 Ways to Make Your Reading Challenge MORE Challenging Read More »
We are so excited to take a closer look at our 2021 Reading Challenge! In this post, we're going to examine each of the fifty-two prompts on the 2021 challenge. If you're stuck on a prompt or have a specific question about it, this is the place to check first! Before reading the 2021 guide: We recommend that you first …
What books are you most looking forward to reading next month?


CEOs aren't the only company leaders with escalating salaries.
Non-executive directors at the companies on the S&P 500 saw their pay increase by almost 50% between 2006 and 2014, according to an analysis by the Wall Street Journal. The study of data from MyLogIQ and regulatory filings found that the median pay for an independent board member of an S&P 500 company was $255,000 per year as of the end of October.
The total annual pay for all S&P 500 non-executive directors comes out to $1.4 billion, the Journal notes, with some of the roughly 4,300 people in those roles earning as much as five times the median pay.
Non-executive directors sit on company's boards but are not part of a company's executive management team. The role generally requires directors to participate in regular (though, not necessarily frequent) board meetings while helping executives to shape a company's broad strategy.
Non-executive director salaries fall well short of average pay for CEOs and other leading executives but, as the Journal points out, the position is typically not a director's primary job.
For example, Apple's (AAPL) board includes prominent non-executive directors such as former Vice President Al Gore and Walt Disney (DIS) CEO Bob Iger, while Disney's own board features high-profile tech executives such as Jack Dorsey, CEO of Twitter (TWTR) and Square (SQ), and Facebook (FB) chief operating officer Sheryl Sandberg.
While non-executive directors at many large companies are very well compensated, others (like those at Warren Buffett's Berkshire Hathaway (BRK)) receive only token compensation.


leasing is right for you, compared to buying.
I like to really try out a car before buying it.
I don't want to hassle with trade-ins.
When I trade a car in, I owe more than it's worth.
My car will be used for business purposes.
Many financial experts advise that you should buy assets that appreciate in value, and lease those that depreciate in value. Because automobiles depreciate in value, leasing makes good financial sense.
If you can't decide if leasing is for you, we can help! Call to discuss your situation with our friendly advisors at 1-800-223-4882.


text:
The Brooklyn Eagle
July 20, 1899: "Newsboys Start A Strike."
July 21, 1899: "The Newsboys' Strike."
July 24, 1899: "Messenger Boys Join the Army of Strikers."
July 20, 1899: "Newsboys on Strike."
July 20, 1899: "Strike Days in Wall Street."
July 21, 1899: "Newsboys Still on Strike."
July 22, 1899: "Newsboys Aggressive."
July 24, 1899: "Newsboys Want to Parade."
July 25, 1899: "Newsboy Strikers Orderly."
July 26, 1899: "Newsboy Leaders Quit."
July 26, 1899: "Condition of the Newsboys."
July 27, 1899: "Newsboys' Strike Still Firm."
July 29, 1899: "Newsboy Strike Leaders"
July 31, 1899: "Newsboys Form A Union"
The Evening Telegram
July 20, 1899: "Newsboys Strike Against Two Papers"
July 21, 1899: "Newsboys' Strike Spreads to Harlem"
July 22, 1899: "Boy Strikers Sweep the City"
July 24, 1899: "Can't Break Boys' Tie-Up"
July 25, 1899: "Newsboy Strike Gains Ground"
July 26, 1899: "Newsboys Ready to Show Strength"
July 27, 1899: "Salvation Lassies Wouldn't Sell Them"
July 28, 1899: "Newsboys See Victory Ahead"
July 31, 1899: "Union to Enforce Newsboys' Strike"
The Morning Telegraph
July 21, 1899: "Newsboys Turn Out on Strike"
July 22, 1899: "Newsboys Strike A Great Success"
July 23, 1899: "Newsboys Still Out On Strike"
July 25, 1899: "Tim Sullivan Makes A Talk"
July 28, 1899: "Newsboys' Strike Must End"
July 29, 1899: "Kid th' Blink" No longer on Top"
The New York Herald
July 21, 1899: "Newsboys Strike for Better Terms"
July 22, 1899: "Spread of Strike Fever Among Lads"
July 23, 1899: "Newsboys' Strike Promises Success"
July 25, 1899: "Newsboys Wage A Merry War"
July 26, 1899: "Newsboys' Strike Becomes General"
July 27, 1899: "Newsdealers and the Boy Strikers"
July 28, 1899: "Dealers Boycott to Aid Newsboys"
July 29, 1899: "Newsboy Strikers Keep Up the Fight"
July 30, 1899: "Striking Newsboys Stand Firm"
July 31, 1899: "Newsboys Form An Organization."
July 21, 1899: "Newsboys Go On Strike"
July 22, 1899: "The Strike of the Newsboys"
July 23, 1899: "Striking Newsboys Are Firm"
July 23, 1899: "Newsboys May Be Uniformed"
July 24, 1899: "Mass Meeting of Newsboys"
July 25, 1899: "Newsboys Act and Talk"
July 25, 1899: "Violent Scenes During Day"
July 26, 1899: "Newsboys Still Hold Out"
July 26, 1899: "Seek To Help the Newsboys"
July 27,1899: "Newsboys Are Weakening"
July 31, 1899: "Newsboys Form A New Union"
August 1, 1899: "Newboys Up For Blackmail"
August 1, 1899: "Declare Newsboys' Strike a Failure."
The New York Tribune
July 22, 1899: "Newsboys' Strike Goes On"
July 23, 1899: "Newsboys' Word Stands"
July 24, 1899: "A Newsboys' Meeting"
July 25, 1899: "Boys Forsee A Victory"
July 25, 1899: "Newsboys Riot in Mount Vernon"
July 25, 1899: "Trenton Newsboys Strike"
July 25, 1899: "Park Row Capulets and Monatgues"
July 26, 1899: "'Newsies' Standing Fast"
July 26, 1899: "Yonkers Boys Form A Union"
July 26, 1899: "New-Haven Newsboys Strike, Too"
July 26, 1899: "Newsboys Striking In Paterson"
July 26, 1899: "Strikers in Cincinnati"
July 26, 1899: "Strikers Ahead in Mount Vernon"
July 27, 1899: "Tried for High Treason"
July 27, 1899: "Boys Eloquent in Brooklyn"
July 28,1899: "'Kid' Blink Arrested"
July 28, 1899: "Yonkers Boys Win A Victory"
July 28, 1899: "Providence Boys Join the Strike"
July 29, 1899: "'Kid' Blink Fined"
July 30, 1899: "Fable Repeated In Fact"
July 30, 1899: "New-York Newsboys," Illustrated Supplement
July 31, 1899: "Newsboys' Strike On Again"
July 31, 1899: "Yonkers Boys to Parade"
August 1, 1899: "Newsboys Plan Another Meeting"
August 1, 1899: "A Big Parade in Yonkers"
August 1, 1899: "Newsboys' Strike in Asbury Park"
August 2, 1899: "Newsboys' Boycott Over"
July 20, 1899: "Newsboys 'Go Out'"
July 21, 1899: "The Only Tie-Up In Town"
July 22, 1899: "Strike That Is A Strike"
July 23, 1899: "Newsboys' Strike Swells"
July 24, 1899: "Plan to Down Newsboys"
July 24, 1899: "Sociological Students in Court"
July 25, 1899: "Great Meet of Newsboys"
July 25, 1899: "Troy Newsboys In Fight"
July 26, 1899: "Newsboys Parade To-Night"
July 27, 1899: "Parade To-Night, Sure"
July 27, 1899: "Newsboys Gain A Point"
July 28, 1899: "Newsboys Get New Leaders"
July 28, 1899: "Stole Newspapers from Girls and Women"
July 29, 1899: "Newsboys' New Leader"
July 29, 1899: "A Kindergarten for Strikers"
July 31, 1899: "Rochester Newsboys to Go On Strike"
July 31: "Striking Newsboys Elect Officers"
August 1, 1899: "'World' Jails Newsboys"
August 2, 1899: "Newsboys Strike Up the State"
August 2, 1899: "Three Newsboys Arrested for Assault"
July 30, 1899: "Herald Employees Sued for $10,000"
August 1, 1899: "Blackmailers Try to Profit by Strike"
August 3, 1899: "Plain Statement of Facts for Public Consideration"
Newsworthy Blog
Bibliography: Newspaper Articles
City Hall Park 1899
~ History of the Newsboys Strike of 1899, through actual newspaper articles from the time.
Herald Employees Sued for $10,000.
Coor, Who Was Engaged to Stimulate the Evening Newspaper Boycott, Wants Damages.
He Alleges False Arrest.
Growing Tired of Deceiving the Newsboys, a Charge Was Trumped Up Against Him.
George Corr, a former employee of the Evening Telegram, yesterday brought suit for $10,000 damages for false arrest and imprisonment against three men: Gardner G. Howland, general manager of the New York Herald and Telegram and James Gordon Bennett's representative in this country; Frank Flaherty, outside circulation manager of the Telegram, and Martin Fitzgerald, driver's cashier.
The suit grows out of the newsboys' strike or boycott, now ended. Corr had been nine years in the Telegram's employ and he swears he took charge of the late boycott in the Tenderloin district and worked day and night to encourage the newsboys so that the boycott might last and a few Telegrams might be sold.
But on Friday afternoon Corr grew weary of deceiving the newsboys, and he put up a sign at the Telegram's distributing station, Thirty-third street and Broadway, stating that the boycott was at an end. Telegram employees tore down the sign. Corr put it up again.
Five minutes after this Corr was arrested on complaint of Martin Fitzgerald, who charged him with petit larceny, the theft of $6.21. The charge was false. Corr in his zeal for the Telegram and in the course of his business had given credit for $6.21 worth of pink paper. But Corr was taken to the Tenderloin Police Station and held in $500 bail to appear in the Jefferson Market Police Court yesterday morning. He gave bail.
Yesterday morning Fitzgerald and Flaherty took Corr to the circulation manager of the Herald. The manager, Corr says, apologized to him for his arrest, offered to pay him $8.50 the Telegraph owed him for wages and asked him to return to the Telegram's employ. This Corr refused to do.
In court Fitzgerald said to the Magistrate:
"We have considered the matter and have decided to let the matter drop."
So the case was dismissed. Later Corr brought his suit. He alleges in his complaint that the charge of petit larceny was trumped up against him, to get him out of the was so that the boycott might continue.
William Fitzgibbons, another former employee of the Telegram, went to the Tombs Court yesterday to make application for a warrant against Abe Newman, an employee of the Telegram, who has charge of outdoor distribution, whom he accused of attempted felonious assault. He alleges that Newman, who is known as "Big Abe," pulled a pistol on him and attempted to shoot him, at Broadway and Thirty-third street, on Friday night. Fitzgibbons was telling the newsboys that they were being deceived into continuing the boycott.
Fitzgibbons might have been shot and killed if Joseph Quinn had not thrown himself in front of the pistol.
Source: "Herald Employees Sued for $10,000." World, 30 July 1899, p. 2.


text:
Q: Why the need for both const reference and const member function? I'm doing the exercises from "Programming Principles and Practice using C++"
and I found a class with this member function here:
const vector<string> &get_name() const { return name; }

where name is a vector:  vector< string> name;
The book presents 2 concepts so far (up to page 235):

*

*return a const reference to prevent the function to change the returning value:
const vector<string> &get_name() { return name; }

*a const member function that cannot modify the object. in this case, it would be like this:
vector<string> get_name() const { return name; }

Maybe I'm not getting this completely, but aren't those 2 concepts the same?
Not wanting to change the "name" vector.
Why the need for both "const"?
Thanks to anyone taking the time to reply!

A:

*

*return a const reference to prevent the function to change the returning value

*a const member function that cannot modify the object. in this case, it would be like this

This could have been a bit more clearer, I'll try my shot at explaining it better.
Returning a const reference prevent the returned object to be mutated by callers.
Here's an example:
// let get_name be `const std::vector<std::string>& get_name()`

np1.get_name().size(); // ok, size is a const function of vector
np1.get_name().push_back("hello"); // ERROR! push_back is not a const function of vector

So indeed, a caller cannot change the name vector. The return type is const qualified.
However, if the function get_name itself is not const qualified (not the return type), then it is allowed to change name from the class itself.
You see, member functions receive a hidden this parameter, which is a pointer to the object being called on. The pointer can either point to a const object, or a mutable object. Here's the comparison:
// returning const ref, callers cannot change the name vector
const std::vector<std::string>& get_name() {
    // The function receive a `this` that points to a mutable,
    // we can change the name from the inside
    this->name.push_back("another");
    return name;
}

// the `this` pointer points to const -----v---v
const std::vector<std::string>& get_name() const {
    this->name.push_back("another"); // ERROR! Cannot mutate member of const object
    return name;
}

Const-qualified member function are really useful for the caller, as it knows that whenever this function is called, its state won't change.
For example, not only you know that the vector::size() function won't mutate the vector, but the compiler guarantees it since it's a const qualified member function.
And for the last bit, the code you posted here:
vector<string> get_name() const { return name; }

This will not return a reference, but will make a copy. The caller can mutate the copy however it wants, but cannot mutate name itself.
Here's an example of a copy mutated:
auto name_copy = np1.get_name();

name_copy.push_back("another name"); // works, we mutated the copy by adding an element

A: A member-function has an implicit this-reference.
And the referenced object can be const-qualified, allowing the member-function to be called on a constant object, by following the parameter-list in the declaration with const.
Whether that member-function also returns a reference to some constant data may be strongly correlated, but is still completely the programmers decision.

A: This case return a const reference to vector<string>, and we cannot change this vector. But we can change vector<string> name in this function.
const vector<string> &get_name() { return name; }

In this case return a copy of vector<string>, and we can change this vector, because it's already another vector. In this function we cannot change vector<string> name.
vector<string> get_name() const { return name; }

redpajama_set_name: RedPajamaStackExchange


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text:
#include "epic.h"

/*
==========================================================================
read_byte_image() -- reads the image from the stream (assumes the file
is already open for reading).  Returns error code.
==========================================================================
*/

read_byte_image(stream, image, x_size, y_size)
  FILE *stream;
  register float *image;  /* already allocated */
  int x_size, y_size;
  {
  register int i, im_size = x_size * y_size;
  register Byte *byte_image;
  int status;

  byte_image = (Byte *) check_malloc (im_size*sizeof(*byte_image));
  status = fread(byte_image, sizeof(*byte_image), im_size, stream);
  if (status != im_size) { printf ("Error reading byte image file.\n"); exit(-1); }
  for (i=0; i<im_size; i++) image[i] = (float) byte_image[i];
  check_free ((char *) byte_image);
  }

/*
==========================================================================
Returns true if the open file is a PGM stream
- FOR NOW we make the rather rash assumption that a PGM file starts with
  a P.  This will not differentiate between an ascii or a raw PGM file
  (so here we assume raw)
==========================================================================
*/

int PGMStream(infile)
  FILE *infile;
  {
  char c;
  c = getc(infile);
  ungetc(c,infile);
  return (c == 'P');
  }

/*
==========================================================================
Assume the first character is 'P', also we assume that
all comments go between P5 and the (column row) specification.
Again, we assume that it is a raw pgm file
==========================================================================
*/

float *ReadMatrixFromPGMStream(Infile, xsize, ysize)
  FILE *Infile;
  int *xsize, *ysize;
  {
  float *M;
  char buf[80];
  int rows,columns;
  int i;
  int value;
  int ascii_pgm;

  if (Infile == NULL) return(NULL);
  fgets(buf,sizeof(buf),Infile);

  if (buf[1] == '2'){
    ascii_pgm = 1;
  } else if (buf[1] == '5'){
    ascii_pgm = 0;
  } else {
    fprintf(stdout,"ReadMatrixFromPGMStream(): File not P2 Or P5 PGM image\n");
    exit(-1);
  }

  do {
    fgets(buf,sizeof(buf),Infile);
  } while(buf[0] == '#');

  sscanf(buf," %d %d",xsize,ysize);

  fgets(buf,sizeof(buf),Infile);
  if (strncmp(buf,"255",3) != 0){
    fprintf(stdout,"ReadMatrixFromPGMStream():  File is not a 255-shade PGM image\n");
    exit(-1);
  }

  M = (float *) malloc((*xsize)*(*ysize) * sizeof(*M));

  if (M == NULL) {
    fprintf(stdout,"ReadMatrixFromPGMStream():  Unable to alocate enough memory\n");
    close (Infile);
    exit(-1);
  }

  for (i=0;i<(*xsize)*(*ysize);i++){
    if (ascii_pgm){
      fscanf(Infile, " %d",&value);
    } else {
      value = fgetc(Infile);
    }
    M[i] = (float) value;
  }

  return (M);
  }

/*
==========================================================================
write_byte_image() -- Write integer image to file as a stream of bytes.
==========================================================================
*/

write_byte_image(stream, image, x_size, y_size)
  FILE *stream;
  register int *image;
  int x_size, y_size;
  {
  register int i, im_size = x_size * y_size;
  register Byte *byte_image;
  int status;

  byte_image = (Byte *) check_malloc (im_size*sizeof(*byte_image));
  for (i=0; i<im_size; i++) byte_image[i] = (Byte) image[i];
  status = fwrite(byte_image, sizeof(*byte_image), im_size, stream);
  check_free ((char *) byte_image);

  if (status != im_size) { printf ("Error writing byte image file.\n"); exit(-1); }
  }

write_pgm_image(stream, image, x_size, y_size)
  FILE *stream;
  register int *image;
  int x_size, y_size;
  {
  register int i, im_size = x_size * y_size;
  register Byte *byte_image;
  int status;

  byte_image = (Byte *) check_malloc (im_size*sizeof(*byte_image));
  for (i=0; i<im_size; i++) byte_image[i] = (Byte) image[i];

  fprintf(stream, "P5\n");
  fprintf(stream, "# CREATOR: UNEPIC, Version %.2f\n", EPIC_VERSION);
  fprintf(stream, "%d %d\n", x_size, y_size);
  fprintf(stream, "255\n");     /* HARDWIRED DEPTH: 1 byte */

  status = fwrite(byte_image, sizeof(*byte_image), im_size, stream);
  check_free ((char *) byte_image);

  if (status != im_size) { printf ("Error writing byte image file.\n"); exit(-1); }
  }

redpajama_set_name: RedPajamaGithub


Doing greater and bolder things has become the driving ambition THAT defines our species. Going to the moon, inventing the wheel - feeding our families.
What starts as a dream and then turns into our way of life is what makes us human beings.
We've had the privilege of seeing organisations all over the world working to change in order to cope with every kind of challenge - they grow by adapting and adopting new capabilities to suit.
Hopefully without re-inventing the wheel.
This site shares what we've learned about how to do that and what we've done to help - together with our clients. If there's great thinking and working out there then let's figure out how to do that at scale.


Chinese smartphone maker Asus today launched its latest budget smartphone, the Zenfone Max Pro M1 at an event in New Delhi. Over the past few days, the company had been teasing that the device would be launched at an unbelievable price and today, the company launched the device starting at Rs. 10,999.
The Asus Zenfone Max Pro M1 is powered by a Qualcomm Snapdragon 636 processor that we recently saw on the Xiaomi Redmi Note 5 Pro. Additionally, it comes with a 5.99-inch full HD+ IPS LCD display with a resolution of 2160 x 1080 pixels. The device runs on Android 8.1 Oreo out of the box.
The Asus Zenfone Max Pro M1 runs on Android 8.1 Oreo out of the box. The device features a 5.99 inch full HD+ IPS LCD display with a resolution of 2160 x 1080 pixels and an aspect ratio of 18:9.
In terms of performance, the Asus Zenfone Max Pro M1 runs on the Octa-core 1.8 GHz Qualcomm Snapdragon 636 processor coupled with Adreno 509 GPU. In terms of memory, the device comes in two variants – 3GB RAM + 32GB internal storage and 4GB RAM + 64GB internal storage. The device comes with a dedicated microSD card slot for storage expansion up to 256GB.
Coming to the camera department, the Asus Zenfone Max Pro M1 features a dual camera setup at the back consisting of a 13MP primary camera and a 5MP secondary camera with Phase Detection Autofocus, f/2.2 aperture, and an LED flash. On the front, the device sports an 8MP secondary camera with an LED flash.
The Zenfone Max Pro M1 is powered by a huge 5,000mAh battery and comes with fast charging and reverse charge support. Connectivity options on the device include 4G VoLTE, Wi-Fi 802.11 a/b/g/n, Bluetooth 5, GPS and a 3.5mm audio jack.
The Asus Zenfone Max Pro M1 has been priced at Rs. 10,999 for the 3GB RAM variant and Rs. 12,999 for the 4GB RAM variant. The company has announced that it will also launch a 6GB RAM variant priced at Rs. 14,999. The device will be available exclusively from Flipkart starting from May 3.


Constructed from light solid oak.
All joints have been re-glued and the show wood frame has been stripped, polished with shellac, protected with beeswax.
The umbrella stand retains its original metal drip tray which has been anti rust primed and treated with new anti corrosion hammer effect paint.
A stylish stand which is like new again, although being just over 100 years old.
Solve the problem of wet carpet and tiles by the front door, this fine Arts & Crafts period umbrella stand is ready and waiting to hold your soaking brollies.


What a fabulous Science week we had at Mercenfeld! From competitions in house to others in different schools; moon buggies to rockets with Druck volunteers; erupting volcanoes to lava lamps and not forgetting the mouldy jellies or popcorn (changing state)! These are to name but a few. I do not think we could have fitted more in if we had tried!
The science competition entries were judged after the fair on Friday night and will be announced on Wednesday this week. Thank you to all those who supported, got creative or just came along to check out what has been happening.
While you are waiting for the results, have a look at the selection of photos and see if you can spot a potential winner? Unfortunately, they are just a selection, there were so many I could not fit them all on!


Mary's Draught House features Northern Michigan's largest collection of craft beers flowing from 50 taps! Whether a tap takeover by your favorite craft brewer, a game on the big screens or live music, there is always something happening at Mary's place.
Mary's Bistro specializes in unique savory cuisine loaded with flavor. We use the freshest local ingredients prepared in our open kitchen on a wood grill or in the spitfire rotisserie oven. Seasoned hardwoods from Michigan's Upper Peninsula impart a subtle and unmatched flavor to the food from our grill. Our spitfire rotisserie oven slow-cooks chicken to tender perfection, sealing in their juices to create mouthwatering meals.


Let there be no question, Christ's crucifixion and subsequent resurrection are the cornerstone realities of our faith. Upon these two united events the most vital truths of Christianity unfold. Indeed, if Christ did not die upon the cross, there would be no atonement. If He did not rise from death as He foretold, then all He taught would become suspect. He would have been yet another philosopher/prophet who lived and died a tragic death.
Yet, Jesus demonstrated that He was the "Son of God with power by the resurrection from the dead" (Romans 1:4). Christ's resurrection broadcast throughout time and eternity that One more than a prophet died for mankind's sins. It was God on earth who prayed to God in heaven, "Father, forgive them; for they know not what they do."


5/4/2008 – Sergey Tiviakov and Kateryna Lahno won their titles outright, but there were a number of playoffs for the medals and places in the FIDE World Cup. Reconstruction everything was not easy, but we have tried to prepare a clear overview of the games, results, medal winners and qualifiers. We bring you these together with a big pictorial report from Plovdiv.
The IX European Individual Chess Championship took place in Plovdiv, Bulgaria, from April 21st to May 3rd 2008, with one free day, on Monday, April 28. The tournament halls were in the Novotel Plovdiv. The championship was an 11 round Swiss, playing time is 90 minutes for 40 moves plus 30 minutes for the rest of the game with an increment of 30 seconds per move, starting from move one. The total prize fund in the men's section was 92,200 EUR (first 15,000, 2nd 10,000, third 8,000, fourth 6,500, fifth 5,500 etc.) and in the women's section 34,500 EUR (first 6,000, second 5,000, third 4,000, fourth 3,000, fifth 2,000, etc.). According to Bulgarian law all prizes were taxable (10%).
to establish qualifiers, for the World Chess Championship.
To do this additional matches of two games would be played, with 15 minutes on the clock and addition of 10 seconds before each move. If this match is drawn again, then two games will be played with five minutes plus two seconds per move. If this match is again drawn, then the sudden-death game will be played with white having 5 minutes on the clock and black having 4 minutes, without any addition. White has to win the sudden-death game in order to win the match.
The rules also state that in case more than three tie-break rounds had to be played, the chief arbiter was able to change the playing schedule in such a way that the tie-break matches can be finished within one day.
We have tried to figure out exactly what transpired and give you our results without a warrantee (except for the medals) that they are completely accurate or what they mean for the World Championship/Cup qualifications.
Obviously Sergey Tiviakov had won the event alone and had the Gold Medal and the title of European Championship. This is how the tiebreak games that were necessary went.
GM Cramling Pia (SWE), with Diana Mihajlova. Pia, the the highest ranked player in the ladies' tournament, did not make it among the top seven, but followed the leaders with 7.5.
Over a late night ice-cream in the near-by bar we chatted, among other things, about the effects of long tournaments. The ever gentle Pia Cramling admitted how hard she found to be away from her young daughter for such a long time. It is the first time she has travelled to a tournament alone, without the support of her husband, Spanish GM Juan Bellon and their little daughter, who this time had to stay home because of her school. She thought that if a chess tournament could be played like a tennis tournament would be much better: where when you lose in the first two or three rounds you simply go home; two weeks is too long. When I suggested that the absence of her family might have contributed to her somewhat poorer performance, she denied it in her ever sporting manner, but added contemplatively: 'I know what my problems are.' I did not want this time to delve into the secret of 'her problems'. A slightly worst performance every now and then it is only understandable. Independently of that Pia has already secured her place in the history of women's chess.
At the Plovdiv Championships new type of winners were introduced. Throughout the tournament the public was requested to vote for 'Queen' and 'King' of the Championships. Faithful to their home stars the public chose GM Stefanova Antoaneta (BUL) for their Queen and IM Kresimir Rusev (BUL) for their King.
42nd: FM Samvel Ter-Sahakyan, 2449, ARM, 7.0 points. We are told that 14-year-old Samvel has secured his GM title with this result.
There is a popular saying that "life is what happens to us, while we make plans about it". In the early hours of April 29, when the Spanish chess player Albert Muratet was preparing his game against the Bulgarian Dimitar Marholev, a sharp pain in the area of the kidneys made him forget chess variations and seek medical help. He was taken to the Saint George University Hospital – one of the best in Plovdiv. The physicians had no doubt – the patient had to undergo immediate appendicitis surgery.
Unfortunately the language barrier posed a problem. Albert initially did not consent to a surgical intervention. The Spaniard was convinced that it was some kind of kidney trouble, since he felt pain behind in the waist, while the appendix is normally in the front. The physicians however felt that Albert's appendicitis was located at the back and the pain was atypically localised.
Lucky for the patient that Dr. Assen Zlatarev appeared – a physician who has worked in Mexico for years. In perfect Spanish he not only soothed Albert, but also explained to him how serious the situation actually was. The chess player understood that he had no choice but to trust our doctors, and he underwent surgery in the afternoon of the same day. After the operation Muratet was provided a VIP room in the hospital recovery wing. Logically the attending physician was Dr. Zlatarev.
A few days after this crisis we visited Albert Muratet at the "St. George" University Hospital. We found him slightly weak, but in good spirit.
The games are being broadcast live on the official web site and on the chess server Playchess.com. If you are not a member of Playchess you can download ChessBase Light, which gives you immediate access. You can also use this program to read, replay and analyse the PGN games. Download free PGN reader ChessBase Light now.


text:
Mit dem Begriff Kehrwasser bezeichnet man im Wildwasser Bereiche, in denen sich die Strömung flussaufwärts kehrt oder zumindest stark verlangsamt. Diese "Umkehr" (oder Verlangsamung) der Fließrichtung des Wassers wird durch Wirbelbildung hinter angeströmten Hindernissen in Fließgewässern hervorgerufen. Die Hindernisse können über der Wasserfläche sichtbar sein oder auch nur unter Wasser die Hauptströmung eines Flusses behindern; in letzterem Fall ist das Kehrwasser weniger stark ausgeprägt und oft schwerer zu erkennen. Insbesondere hinter Strompfeilern kann sich bei entsprechender Strömung das Kehrwasser zu einem Strudel entwickeln.

Beschreibung
Die Grenze zwischen der Hauptströmung und dem Kehrwasser wird als Verschneidungslinie oder Kehrwasserlinie bezeichnet. Nahe an dem Hindernis, das das Kehrwasser verursacht, (das heißt flussaufwärts) handelt es sich oft tatsächlich um eine klare Linie. Mit zunehmendem Abstand vom Hindernis (das heißt flussabwärts) und allgemein zunehmender Verwirbelung des Strömungswassers weitet sich die Linie indes zu einer Zone verwirbelten Wassers aus. Das Durchfahren der Kehrwasserlinie erfordert wegen der auf das Boot wirkenden unterschiedlichen Strömungen eine spezielle Fahrtechnik (insbesondere Kanten), um an der Grenze zwischen Kehrwasser und Strömung – der sogenannten Verschneidungs- oder Kehrwasserlinie –  ein Kentern des Bootes zu vermeiden.

Aufgrund der oft kreisförmigen Strudelbewegung von Kehrwassern können sich hier Gegenstände wie Treibholz sammeln, die dank wechselnder Wasserstände frei treiben oder am Ufer hängend ins Wasser hineinreichen können. Sie sind oft bei der Anfahrt nicht oder schwer zu sehen und bilden damit eine Gefahr für Paddler. Außerdem befinden sich in Kehrwässern öfter Hindernisse (meist Steine) direkt unter der Wasseroberfläche, die durch die geringere Strömung im Kehrwasser nicht weiterbefördert wurden und die Paddler zum Kentern bringen oder weniger widerstandsfähige Boote beschädigen können.

Nutzung beim Wildwasserpaddeln

Kehrwässer sind für Wildwasserpaddler geeignet, um aus der Hauptströmung herauszufahren und so die Fahrt zu verlangsamen. Das ist hilfreich für eine kleine Pause, um das Boot für den nächsten Abschnitt in eine gute Ausgangsposition zu steuern oder um sich einen Überblick über den weiteren Flussverlauf zu verschaffen. In Kehrwasser am Ufer lässt sich außerdem leichter und sicherer ein- und aussteigen als im vollen Stromzug.

In Kehrwässern kann außerdem flussaufwärts gefahren werden. An manchen Flussabschnitten erlaubt das Paddlern trotz starker Strömung, einiges an Höhe zu gewinnen (engl. to attain): Dazu wird erst in einem Kehrwasser flussaufwärts gepaddelt und dann möglichst schnell in den unteren Bereich eines weiter flussaufwärts gelegenen Kehrwassers gewechselt; dort wird weiter Höhe gewonnen und dann gegebenenfalls in ein noch weiter flussaufwärts gelegenes Kehrwasser gewechselt.

Eine besondere Rolle spielen Kehrwässer beim Spielbootfahren und Squirtboating. Indem durch Kehrwässer das Flussaufwärtsfahren erleichtert wird, erlauben Kehrwässer einerseits, kurze, strömungsintensive Flussabschnitte mehrfach zu befahren, ohne das Boot zu verlassen, oder am Strömungswasser anzuhalten. Insbesondere Surfwellen sind daher besonders beliebt, wenn sie dank eines daneben liegenden Kehrwassers wiederholt befahren werden können. Darüber hinaus nutzen Spiel- und Squirtbootfahrer die Kehrwasserlinien für Tricks, insbesondere das Aufrichten des Bootes (Kerze).

Siehe auch
 Neerstrom

Literatur
 Bill Mason: Die Kunst des Kanufahrens. Der Canadier. Deutsche Bearbeitung von Arno Gatz und Elmar Engel. 6. Auflage. Gatz – Verlag für Sport, Natur und Freizeit, Köln 1998, ISBN 3-9803812-0-X
 Gary McGuffin, Joanie McGuffin: Faszination Kanusport. HEEL Verlag, Königswinter 2000, ISBN 3-89365-849-1.

Kanusport
Limnologie

redpajama_set_name: RedPajamaWikipedia


This topic contains 5 replies, has 4 voices, and was last updated by Men in Sheds West Bletchley 5 months, 2 weeks ago.
We in Buckingham have a Facebook group that is open for anyone to join. We use it for posting events (usually selling events), maintaining a gallery of our products and posting up-to-date pictures to keep the group 'fresh'. Does anyone else make use of social media? Any hints and tips?
Hi Andy and welcome to the UKMSA Forum. We in West Bletchley use Social Media mainly to publicise what we are doing/events we are attending/or simply just to offer a new product or say something about another we are in the process of making.
The important thing is to keep it simple but snappy and importantly, relevant. I've found that a good picture is essential. As to products, the Shed website is probably the best forum for that, so just provide a link in your social media post.
I designed a noticeboard style site from the Joomla framework. It is much more flexible than Facebook as any member can submit articles, it shows our constitution, events and accounts. We still use Facebook for instant what's going on stuff, but link to our main site for articles.
This reply was modified 1 year ago by Awgydawg.
Having recently attended one of Milton Keynes Council's excellent adult education one-day courses on writing your own (Free) website using WordPress. I'm currently adding material as I have time, but it is fairly flexible and has the ability to grow possibly into a paid website as time goes by.
Kia ora, greetings from NZ.
I have joined this forum to gain experience, because a forum was suggested for NZ sheddies as an additional service to our closed Facebook group.
I doubt many sheddies use FB – NZ anyway. Our national closed group has just 90 members after a year of operation.
My home shed with a small membership of 13 has 3 members that use FB regularly. The shed has a FB presence and it is a great way to keep in touch with other groups in the community that use FB. We also have a few ladies in the community who follow the posts, and we all know what great supporters they are of our movement.
Hi NZ, good to hear from the other side of the planet.
Many Sheds in the UK are lucky if they have in excess of 20 members, but we grow organically and use many mediums to reach our audience. I know that our Facebook feed is read by quite a few who are not members of the Shed but are nonetheless, supporters of what we are doing so I don't block out friends just hope that they will be encouraged to come along.
What I have noticed is that Twitter especially is beginning to be an organ for expressing political views which I think is sad and not right as that should be kept personal and out of Sheds. We should be talking about issues about what matter to Sheds not Brexit or stuff like that.
If you are lucky enough to have someone who can put together a social media presence it is good, but I'm advocating that there should be an "Idiots Guide" for want of some better words, that tells others how to take this forward in the event that the current webmaster is unable to do so as that has been the fall down point of so many Shed attempts at social media.


If you need a Spanish / English translator for your event, we have Alicia Alaniz available.
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You can book as a bilingual translator for your next event.
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text:
Immigrant rights advocates call to make Illinois a sanctuary state
Peter Hancock/Capitol News IllinoisRep. Celina Villanueva, a Chicago Democrat, and Sen. Don Harmon, an Oak Park Democrat, join with immigration rights advocates Wednesday at the Capitol to urge passage of a bill to prohibit local and state agencies from entering into agreements to enforce federal immigration laws.
By Peter Hancock
Capitol News Illinois
phancock@capitolnewsillinois.com
Updated 5/22/2019 5:03 PM
SPRINGFIELD -- Two Democratic state lawmakers joined a group of immigration rights advocates Wednesday in calling for passage of a bill that would effectively make Illinois a "sanctuary state."
Rep. Celina Villanueva, of Chicago, and Sen. Don Harmon, of Oak Park, said they are pushing for passage of a bill that would limit how much cooperation public agencies in Illinois could provide to U.S. Immigration and Customs Enforcement.
"In a time when separating families has become synonymous with the U.S.-Mexico border, families in Illinois are also under the threat of separation due to ruthless, harmful and lawless immigration enforcement," Villanueva said during a statehouse news conference.
She specifically pointed to a program called the 287(g) program -- named after a 1996 addition to the Immigration and Nationality Act -- that authorizes ICE to contract with state and local law enforcement agencies, allowing designated officers to perform limited immigration law enforcement functions.
"What they're trying to do is scare our families, our immigrant families, into not being able to report crimes that are happening in their communities, … living in fear of going to work every day, taking their kids to school, just living lives," Villanueva said.
Lucia Wrooman, a Mexico City native now living in the Chicago area, said through a translator that many immigrants like her are already afraid to have any dealings with law enforcement, even when they are victims of crimes. She said allowing law enforcement to work as ICE agents would make that situation worse.
"At this moment, we live in fear because it seems that any contact we do with police could mean being arrested and deported," she said.
House Bill 1637, known as the "Keep Illinois Families Together Act," would prohibit local law enforcement agencies in Illinois from entering into agreements to enforce federal immigration laws.
It would also prohibit law enforcement officials from asking anyone who has been arrested or detained about their citizenship or immigration status, or their place of birth. That prohibition also would apply to people who submit to questioning, crime victims, witnesses and any person who contacts law enforcement seeking assistance.
Additionally, it would call on the state attorney general to propose rules limiting how much assistance certain public agencies could provide to immigration officials. Those rules would apply specifically to public schools and higher education institutions, state-funded health care facilities, public libraries, facilities operated by the secretary of state and courthouses.
Soon after coming into office in 2017, President Donald Trump issued an executive order aimed at cutting off federal funding to so-called "sanctuary cities" that refused to cooperate with federal immigration authorities. Later that year, the Justice Department announced that cities applying for certain public safety grants would have to comply with federal immigration enforcement.
Chicago, which has declared itself a sanctuary city, was one of several states and cities around the country to challenge those orders in court. The city won the case in U.S. District Court, and in April 2018, the 7th Circuit Court of Appeals in Chicago upheld a nationwide injunction against the policy.
"That policy from the White House, and specifically from the Justice Department, has been challenged in court by a number of jurisdictions, including the city of Chicago," said Fred Tsao, senior policy counsel for the Illinois Coalition for Immigrant and Refugee Rights. "All of those challenges have prevailed to date, so we're pretty confident that this could withstand some further challenge from this administration."
House Republican leaders did not immediately respond to a request for comment about the bill.
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