A deal to jointly develop vehicles for emerging markets may be announced at the Geneva auto show in early March.
Volkswagen is in advanced talks to team up with Tata Motors Ltd. as the German automaker takes another stab at India's fast-growing demand for cars, according to people familiar with the matter.
A deal to jointly develop vehicles for emerging markets may be announced at the Geneva auto show in early March, said the people, who asked not to be identified as the plan isn't public. There's no guarantee an agreement will be struck, they said.
Tata Motors has nothing to announce but "as prevalent in the automotive industry, we regularly have discussions with different companies to explore future collaborations," a spokesman said by e-mail.
Competition for India's booming market of middle-class drivers is intensifying, with global manufacturers from Fiat Chrysler Automobiles NV to Peugeot maker PSA Group expanding in the country. VW has been struggling for years to develop low-cost vehicles for emerging economies as its own technology proved too expensive. An alliance would give Tata Motors access to VW's expertise, and sharing development will help both companies cut costs.
VW's previous attempt to tackle emerging markets, through a small-cars partnership with Suzuki Motor Corp., ended with a fierce dispute two years ago.
Tata Motors, India's fourth-biggest carmaker by volume, has been stepping up efforts to shed the budget image of its namesake brand. The company's been losing money in its home market and relies on the Jaguar and Land Rover luxury brands to provide most of its revenue.
Tata's local deliveries climbed 13% to 141,454 units between April and January. Volkswagen's sales jumped 18% to 41,285 vehicles, ranking it ninth. Industrywide demand rose 9.2% to 2.5 million autos in the period.
India, with the world's second-biggest population, is an attractive market for carmakers due its comparatively low level of vehicle ownership. There were 32 passenger autos per 1,000 drivers in 2015, compared with 102 in China and 765 in North America, according to an EY report.
Shares of Tata Motors rose 0.3% to 460 rupees in Mumbai on Wednesday. They have declined 2.5% this year, compared with the 8.4% gain on the benchmark S&P BSE Sensex Index.
The Economic Times reported the alliance talks earlier on Wednesday.


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Tag-targeted, Content-targeted, and Geo-targeted Push Notifications
Push notifications are a powerful way to reach your community with timely, relevant messages. Push notifications have higher engagement rates than emails, which makes them a popular way to communicate with people who have downloaded your app.
Push vs. Text: The Difference
How are push messages different than text messages? Push messages are sent to anyone who has downloaded your app and who has opted into push notifications, while text messages can be sent to anyone whose phone number you have.
Ways to Use Push Notifications
Tag-targeted messages. For example, send a message about volunteer opportunities to people who have expressed an interest in volunteering and who have opted to receive communications about volunteering.
Content-targeted messages. For example, schedule a message that opens up to a survey that's set up inside of your app. No need for people to search through the app to find the content - you can link straight to it with the push message!
Geo-targeted messages. For example, engage with people on Sunday mornings by sending an encouraging, welcoming message when they walk onto your church property.
Getting Started with Tag-targeted Push Notifications (segmented)
In order to send a tag-targeted push message, you'll want to create some tags. Go to People > Tags to create tags. (e.g. a private tag like 'Staff, that you'll manage on the back end, and another public tag like 'General,' 'Volunteers,' or 'Men's Group', where users will be able to subscribe from within the app.)
Public Tag or Private Tag?
After a tag has been created, click on it to manage whether it's public (available for users to subscribe to within the app), or private (users will be added to the tag by an admin on the back end).
An example of a public tag is 'VBS Volunteers,' where anyone interested in learning more about volunteering for VBS can sign up to receive push messages related to volunteering for VBS.
An example of a private tab is 'Staff,' a small, select group of people on staff at the church. These people will be added to the 'Staff' tag privately on the back end, and the 'Staff' tag won't be available for users to subscribe to within the app.
Turn on 'People can subscribe from app' if you would like people to be able to see this tag ('interest') and opt into receiving notifications about it (this is a 'public' tag, like VBS Volunteers). If you want the tag to remain 'private' and not be available for people to subscribe to within the app, leave this option turned off (like 'Staff').
In the example below, 'VBS Volunteers' is a 'Public' tag, so people will be able to see this tag under 'My Interests' inside of their profile and will be able to subscribe to it.
Private Segmented Push Notifications: Adding Users to a Tag
To send a push message to people who are part of a private tag (like 'Staff'), each person needs to be tagged.
Since the tag is private and is not available for people to subscribe to within the app, tagging people to be part of this private tag will be done on the back end by the admin.
To add a person to a tag, go to People > Profiles, then check the box to the left of each person you would like to tag. Select "Tag [...] People," choose the tag, and save your changes.
Public Segmented Push Notifications: Self-Tagging (within the app)
People can opt into public tags within the app under their Profile. The profile can always be found by clicking the side menu inside of the app.
Under the side menu, users will select their profile and then select the 'My Interests' section at the bottom of their profile to manage the interests (tags) they're part of.
To subscribe or opt into an interest (tag), users can select the check mark next to the tag name. A green check mark indicates the user is subscribed to that interest (tag).
To unsubscribe or opt out of an interest (tag), users can simply click the green check mark again. The icon will be greyed out, showing they are unsubscribed.
***Pro Tip: Send out a push notification encouraging your members to take a peek at different interests in-app by clicking on the "My Interest" button within their profile. Below is a screenshot of one of our partners who sent out a push notification encouraging their members to check out the "My Interests" section within their profile in-app.
Scheduling the Tag-targeted Push
Under the 'Connect' tab and 'Schedule' dropdown, plug in the message you would like to send. Fill out the date and delivery time for the message.
Select a tag under the 'Targeted Tag' dropdown to select a group.
Toggle 'ON' the App Push button and then click 'Schedule Message.'
*Important: If you would like a push message to go to everyone who has downloaded your app, regardless of whether they are part of a tag, you don't need to select a tag as you schedule the message.
Deleting Tags
To delete a tag, go to People > Tags, select the tag you would like to delete, then click the 'Delete' button.
*Note: Please make sure you're 100% certain you want to remove the tag when you delete it. After a tag is deleted, users will be unsubscribed from those pushes and will need to subscribe again in the future if added back.
Getting Started with Content-targeted Push Notifications
When scheduling a push message, you can select an app feature that will open when users open the push message. Use content-targeted push messages to direct users to a specific feature within your app. A content-targeted message is helpful when you want to call attention to a single app feature and allow users to access it with a single click!
If you've recently added new video content, select the video feature when scheduling the push message. Want to highlight an upcoming event? Select the calendar feature or an info page that's been dedicated to this event when scheduling the push! When users open the push message, they'll be taken straight to that feature inside of the app.
Scheduling the Content-targeted Push
Under the 'Connect' tab and 'Schedule' dropdown, enter in the message you would like to send. Fill out the date and delivery time for the message.
Select a tag under the 'Targeted Tag' dropdown if you want to select a tag (optional).
Toggle 'ON' the App Push button.
Select a feature under "Feature" to choose which feature will open inside of the app when the user opens the push message.
Select 'Message Only' if you want the message to open to your app home page instead of a specific feature.
Click 'Schedule Message' to schedule the message.
Continue reading to learn how to schedule a geo-targeted push!
Getting Started with Geo-targeted Push Notifications
Geo-targeted push messages allow you to send a push message to people based on their physical location. Schedule a push message to be sent to anyone who enters your church building on Sundays during a certain time, welcoming them and encouraging them to fill out a connection card.
Selecting 'Everywhere' will send the push message regardless of physical location. Use 'Everywhere' to communicate about registrations, service opportunities, and when you need to get the word out fast for things like closures and emergencies.
Selecting 'Geo-targeted' will allow you to drop a pin on a specific location, which will send the message to users when they enter that location radius. Use geo-targeted messages for a simple welcome or for encouraging people to check in when they arrive at the church location!
Scheduling the Geo-targeted Push
Under Connect > Schedule, enter your push message, date, time, and tag (if applicable).
Toggle on 'App push,' select a feature if you would like the push message to open up to a specific feature (see content-targeted push messages, above), and select Geo-targeted from the 'Where' dropdown.
Drop a pin on the map to select the radius where the message will be sent.
*Tip: If you are physically within the scheduled radius for your notification, in order to receive your scheduled notification you will need to leave the radius and then enter that radius again.
Select the delivery window when you'd like the push to be sent. For instance, if the message is going out at 9:00 am, selecting +/- 1 hour delivery window will send the message between 8:00 am and 10:00 am.
Click Schedule Message!
Managing Push Messages
After a message has been scheduled, you can view it under Connect > Activity.
Change your mind and want to cancel the message before the scheduled delivery date and time? Simply click the garbage can next to the message.
The key on the Activity page will show what type of message it was, and whether it's processing (hasn't been sent yet), or delivered.
Push messages are powerful. How will you leverage them to elevate your communication strategy today? Send us a note at support@aware3.com - we're here to help you make the most of push messages!
Outbound Communications Overview
Switching to Mosaic Layout

redpajama_set_name: RedPajamaCommonCrawl


When working on a web project, it's all too easy for designers to get caught up with the latest trends, cutting-edge HTML5 or CSS3 techniques, and forget about the why behind the decisions we make. In his book, Robert Mills asks us to consider this very question.
A Practical Guide to Designing the Invisible, from Five Simple Steps, reveals the hidden meanings and psychology behind the everyday design elements we take for granted. From the emotions generated from the color red to the values communicated by Comic Sans; it's all told in five easy to consume parts.
Robert Mills spent three years writing Designing the Invisible, plenty of time for any industry to progress, let alone the ever-changing world of web design. Design trends and web technologies may be continuously evolving; however, you can be sure the principles and techniques shared in this book will remain relevant for many years to come.
This book asks designers to focus on more than just the pixels on the screen and consider the story that we are telling. Using elements such as color, signs, typefaces and tone of voice we can create a story that engages users and reinforces our brand. Author Robert Mills provides an in-depth explanation of each aspect using both online and real-world examples. Detailed case-studies and live websites are also included to highlight the techniques in action.
Throughout the book, there is a strong emphasis placed on the need to know your audience. Robert Mills does an excellent job of explaining the effects and connotations of various design elements, but also stresses that factors such as age, gender, politics and culture will influence the way your audience interprets your design.
This is nowhere more apparent than in the use of color. Part 3 "Using the Right Palette" really stands out in the book and describes the powerful influence color can have. The different emotions and associations colors generate depending on who are viewing them are all thoroughly and beautifully presented. If you have ever wanted a solid understanding of color theory, this book is an excellent starting point.
The book itself is very easy to read, not too long, with clear information broken up by plenty of imagery and examples. The author, Robert Mills, has plenty of experience having worked at the BBC as an Audience Researcher and at some large web agencies including Carsonified and Mark Boulton Design.
In a foreword to the book, Mark Boulton says that this book is ideal for those just starting out in web design – and it is. I'm certain, however, that this book will also be of much benefit to many more experienced designers as well.
£11.50 for eBook (PDF, ePub and mobi), at time of writing.


Available for purchase here in the Gingiber Etsy Shop.
Enter to win this week's illustration by leaving a comment on this blog post! The winner will be announced next week along with week 3's illustration!
I am so jazzed about this project. I am thinking of donating a portion of every dog illustration sale this year to the Humane Society. Still working out the details. As a pet lover and dog owner, I think this would be a great way to "give back".
If you like this week's illustration, have friends with pugs, or just think this project is mega cool, please share!


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The Present — October 10, 2018
Nearly every country wants universal health care (except for one)
Most other countries don't have universal healthcare because of poverty or war. Why does the U.S. keep clinging to a bad system?
(Photo by Darren McCollester/Getty Images)
It's long been known that the U.S. is the only wealthy country without universal healthcare. But even significantly poorer countries also have some kind of universal healthcare system.
The reasons why the U.S. doesn't have a universal healthcare system are unique in the world but aren't insurmountable.
In order to join the rest of the developed world, the U.S. needs to realize that not having universal healthcare is something countries do out of necessity, not out of choice.
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In 2015, Leon Lederman had a very difficult decision to make. His medical debts were mounting, and he only had one asset valuable enough to cover his debt: his Nobel medal, which he won in 2012 for his work on subatomic particles. Although it represented decades of hard work, it had to be done. Lederman sold his medal for $765,000 in order to get healthcare.
Americans might not be able to agree on what their healthcare system should look like, but nearly everybody agrees that the current one is about as useful as window wipers on a submarine. We've known for a long time that most other wealthy countries have some form of universal healthcare (defined here as a system that covers >90% of the population). But even countries that aren't typically thought of as rich have this system. Kuwait, for instance, has universal healthcare, and it's GDP was about $120 billion in 2017. For comparison, the state of Nebraska alone has a higher GDP than Kuwait. So do 35 other states.
Families members visit patients in an Iraqi hospital. Iraq used to have a very prestigious and effective healthcare system, but during the last decade of Saddam's rule and the ensuing chaos from the war, the system deteriorated drastically.
(Photo by WALEED AL-KHALID/AFP/Getty Images)
Who else doesn't have universal healthcare?
Without a universal healthcare system, the U.S. has put itself in an awfully exclusive club. Out of the 195 countries in the world, a little under 40 don't have universal healthcare systems. In this regard, America's list mates include Afghanistan, Syria, and Kuwait.
On the Human Development Index (which evaluates countries based on factors like life expectancy, quality of life, etc.), the U.S. places 13th in the world. In the club of countries without a universal healthcare system, the next highest is the Caribbean nation Saint Kitts and Nevis, which placed at 72nd. There are 59 other countries worse off than the United States who still managed to look after most of their citizens' lives.
In an effort to safeguard the U.S. economy during the war, FDR accidentally encouraged the creation of the current, employer-based healthcare system used in the U.S. today.
(Wikimedia Commons)
What got us here?
Why is the U.S., the wealthiest nation in the world, holding on to systems that the poorest countries in the world use out of necessity? There are some cultural reasons, of course, namely American's dedication to the free market system and ideas of individualism and personal responsibility. The impact of abstract concepts like these, though, are tough to quantify.
It's more practical to look at the actual steps the U.S. took towards implementing free-market style healthcare. In fact, the current, bonkers U.S. healthcare system makes a lot more sense considering that its creation was entirely accidental.
In World War II, Franklin Roosevelt set price controls on the U.S. economy. Essentially, these limited the prices of rent, gasoline, and other resources critical to the war effort, as well as wages. Although this was a drastic step that would really rattle modern-day Americans, it was a necessary one to ensure that the war effort didn't throw the U.S. economy into chaos. Because the war was sucking up all of these resources and labor (it's tough to work on your farm if you're fighting in Europe), demand was soaring. To keep prices down, Roosevelt set limits to wages, preventing them from rising too high to be unsustainable.
This meant that companies had lost one of their primary mechanisms to attract workers. Instead, they turned to one of the areas they still had control over: fringe benefits. Companies began offering pensions, paid vacations, and health insurance. Rather than a national movement for universal healthcare, unions began negotiating directly with companies to pay for their employees' health insurance.
What's keeping us here?
After the war, a series of revisions to the tax code incentivized corporations to keep this system in place, revisions that were originally lobbied for by corporations themselves to cut down on the cost of the now-expected practice of supplying employees with health insurance.
Not only that, but the American Medical Association (AMA) successfully fought against numerous public health plans, starting with Harry Truman's national healthcare plan, which it labeled "a definite step toward either communism or totalitarianism." Since the AMA represents the interests of the medical community, this makes sense. There is a lot of money to be made.
In 2016, every American paid on average $10,348 on healthcare, more than twice as much as comparably wealthy countries with universal healthcare systems. According to a 2009 OECD analysis, hospital costs and drug prices are about 60% more expensive in the U.S. than in Europe. These high prices get passed on to the galaxy of doctors, hospital administrators, and health insurance companies. The average physician's salary has increased by 50% in the last seven years, from $200,000 to about $300,000. In the second quarter of 2017, the top six health insurance companies' profits increased by 29% as compared to the year before, primarily due to challenges facing the Affordable Care Act in Washington during that time.
Nearly every other country without a universal healthcare system does so because of major political unrest, such as Syria, for example, or because of poverty — like Liberia or Haiti. In the U.S., the opposite is true. Americans don't have universal healthcare precisely because it is the wealthiest nation on Earth and, for a time, Americans could afford to have their healthcare prices gouged.
But this is becoming increasingly less sustainable. Medical debt has been the number one cause for bankruptcy in America for years. After the Affordable Care Act passed, bankruptcy filings dropped by 50%. The Affordable Care Act was by no means a form of universal healthcare, but it represented a step toward the system that countless other free and wealthy countries have demonstrated to be effective. Whether we keep moving forward, however, is an entirely uncertain proposal.
capitalismEuropehealth careInequalitypolicypovertyunited stateswar
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On December 2, the Seattle Youth Ministry kicked off its weekend Divine Principle Retreat with a community service project. 12 middle and high schoolers braced the cold and rainy weather to collect cash donations for Northwest Harvest, a local food bank that provides nutritious meals to people all over Washington State. "There was no better way to begin the retreat than in service," said Irvin Granstrom, the local youth ministry leader.
Afterwards, the youth returned to the beautiful Windermere Mansion, the site of their three-day getaway. The historic Unificationist-owned building with stunning views of Lake Washington provided a tranquil and reflective atmosphere for the young people to grow their faith and deepen their friendships with one another. Doctor Sandra Lowen and her husband John Lowen joined the youth to give lectures on the Divine Principle, a holy book of the Unificationist faith. Yuto Ohki, who attended the workshop to support his younger brothers and sisters, remarked that Dr. Lowen was an amazing lecturer who explained the basic teachings of the Unification Movement in a way that felt relevant to young people. Then, to spice up the retreat, youth leaders held a Divine Principle lecture competition and awarded prizes to the youth who gave the most engaging lectures.
Both the participants and the youth leaders had a great time throughout the weekend. Everyone was especially grateful for the staff at Windermere, who provided and prepared the meals during the retreat. On Sunday, the group brought their bright energies to the Seattle Family Church, where they ended the workshop and attended Sunday Service with their families.
Check out http://familyfed.org/youthministry for more youth workshops near you!


A well-chosen Childminder's warm and caring approach can give your child a secure and stable base, in addition to your home.
All from a home setting, usually in a convenient location for either your home or workplace.
Children can experience both the benefit of mixing with children in small groups whilst also enjoying meeting other children in larger groups when the childminder takes them out and about in the community.
Some childminders also have further qualifications such as a Level 3 Childcare qualification, Foundation degree, Early Years Practitioner to mention just a few.
The registration of Childminders is intended to ensure that children are cared for by suitable people, in an appropriate environment and with a safe level of supervision.
Anyone who cares for children under the age of 8 years of age, for two hours or more, for reward, has to by law be registered (unless they are a close relative e.g. grandparent or two friends caring for each others children on the basis of no reward).
Copyright(c) 2019 DCMA. All rights reserved.


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Chrystia Freeland lay down on floor of Trudeau's office — exhausted — after sealing USMCA
By Linda Nguyen	The Canadian Press
Posted October 16, 2018 6:35 pm
Updated October 17, 2018 6:59 am
2:30 Chrystia Freeland reflects on negotiating USMCA
WATCH: Chrystia Freeland reflects on negotiating USMCA
TORONTO – After more than a year of leading intense trade negotiations with the United States and Mexico, the first thing Foreign Affairs Minister Chrystia Freeland did when the new agreement was reached was lie down on the floor of the Prime Minister's office.
"I did. That is true," she said Tuesday during a talk at the Fortune Global Forum in Toronto.
Freeland agreed that her reaction was due to exhaustion and just the thrill of the tumultuous 14 month-long process finally being over.
READ MORE: How successful was Canada's pursuit of a progressive NAFTA update?
The new trilateral pact between the U.S., Mexico and Canada, commonly referred to as USMCA, was reached at the 11th-hour on Sept. 30 and sets to modernize the North American Free Trade Agreement.
The negotiations were tense, with U.S. President Donald Trump threatening on a number of occasions that his country would withdraw from NAFTA altogether.
WATCH: Foreign Affairs Minister Freeland outlines what USMCA means for Canada
2:51 Foreign Affairs Minister Freeland outlines what USMCA means for Canada
Foreign Affairs Minister Freeland outlines what USMCA means for Canada
Freeland told a room of Canadian and foreign business leaders that the talks between the three countries had many "moments of drama," which she had anticipated from the start.
"Trade negotiations are this odd thing. On the one hand, they can be incredibly technical about really, really specific technical issues," she said. "And on the other hand, they're punctuated by these very dramatic moments… drama is par for the course."
READ MORE: Study says Canada needs trade with China, but the USMCA will make that more challenging
When asked about Trump's personal attack on her during the process, and dealing with his negotiation strategy, she and her team responded in the Canadian way.
"For us, our approach was to always be polite. We tried to always be friendly. That is always our national way. We believe strongly in using fact-based arguments and we did that, but to know what your bottom lines are and to stand firm in defence of the national interest," said Freeland.
"We were absolutely clear about that and ultimately that was understood."
WATCH: The numbers and dates to keep in mind for USMCA
1:16 The numbers and dates to keep in mind for USMCA
The numbers and dates to keep in mind for USMCA
Despite efforts from U.S. negotiators, Canada fought hard to keep Chapter 19 – a key provision that permits independent panels the ability to resolve disputes involving companies and governments, as well as Chapter 20, the government-to-government dispute settlement mechanism.
She said that Canada did not waver during the talks, and that she felt supported by Canadians for staying steadfast.
Freeland recalled being stopped and hugged by a stranger at the grocery store and the time a fellow passenger tried give her a business seat during a flight back from Washington.
WATCH: Could the PCs have landed a better USMCA deal?
5:05 Could the PC's have landed a better USMCA deal?
Could the PC's have landed a better USMCA deal?
"People were just so nice," she said. "But what I would call Canadian nice: resolute and nice. And that was really important."
Although it's been reached, the USMCA deal still faces a number of hurdles before it's officially finalized.
On Tuesday, Senate Majority Leader Mitch McConnell told Bloomberg News that U.S. Congress won't approve the renegotiated deal this year.
"There's no question this will be on the top of the agenda" next year, he told the news agency.
© 2018 The Canadian Press
NAFTATradeChrystia FreelandUSMCAtrade dealnew NAFTACanada tradeU.S. TradeFreelandUSMCA dealmexico tradeTrump USMCAFreeland USMCAUSMCA negotiations
'The roads have been terrible': Over 250 crashes reported in GTA after snowstorm hits region
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