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Go to Banking Transformed
Embrace change, take risks, and disrupt yourself
Hosted by top 5 banking and fintech influencer, Jim Marous, Banking Transformed highlights the challenges facing the banking industry. Featuring some of the top minds in business, this podcast explores how financial institutions can prepare for the future of banking.
A Solution to Future-Proof Legacy Banking Platforms
The importance of a digital banking platform that is flexible, powerful and affordable has never been more important. Banking organizations of all sizes are partnering with solution providers that can help them catch up with a marketplace that has never moved faster.
Financial institutions must find solutions that are built for banking, can be deployed quickly, and can be scaled in a manner that allows for building new products and services at digital speed.
Our guest on the Banking Transformed Podcast is Michael Coghlan, founder and CEO of BrightFi. We discuss how BrightFi partners with regional and community banks to deliver affordable, cloud-based technology-enabled financial solutions.
This episode of Banking Transformed is sponsored by BrightFi
BrightFi's mission is to build stronger communities through better banking by delivering financial technology and operations solutions to community banks and credit unions. Our solution is a ready-to-deploy digital banking infrastructure that is low-cost and reliable. We help financial institutions of all sizes grow revenues, reduce OPEX and ultimately delight and grow within their communities by meeting them where they are on the path to digital transformation.
Visit brightfiservices.com/jm
Jim Marous:
Hello, and welcome to another Banking Transformed Solution podcast. I'm your host, Jim Marous, owner and CEO of The Digital Banker Report and co-publisher of The Financial Brand.
The importance of a digital banking platform that is flexible, powerful and affordable has never been more important. Banking organizations of all size are partnering with solution providers that can help them catch up in a marketplace that has never moved faster. Financial institutions must find solutions that are built for banking, tend to be deployed easily and quickly, and can be scaled in a manner that allows for building new price and services at digital speed.
Our guest on the Banking Transformed podcast today is Michael Coghlan, founder and CEO of BrightFi. We discuss how BrightFi partners with regional and community banks to deliver affordable cloud based technology and enables financial solutions that can make a difference in this digital environment we're in.
BrightFi, subsidiary of Verdigris Holdings, provides a cloud based technology solution that let's financial institutions and non-banks of all sizes test and launch digital banking products and services or entire digital brands at a fraction of the time and cost of normal solutions. Highly configurable and scalable, BrightFi provides a platform that can replace a legacy core or run in conjunction with an existing core.
As I mentioned, today I have Michael Coghlan, founder and CEO of BrightFi, on the show. To start us off today, Michael, can you introduce yourself, give our listeners a bit of an overview of who you are, what you've done, and also an overview of BrightFi?
Michael Coghlan:
Yeah. Of course. Jim, great to be here, and hello to everyone listening. My background is a career of banking. I've been working in banking since I left uni 20 something years ago, and was fortunate to be involved in setting up one of the early internet banks back in 1996, believe it or not, and that had stayed me in great stead as I've gone through my career in banking, often at the tip of the technology sphere, and I set up BrightFi as the next iteration of digital technologies for banking.
Interesting. Since the pandemic hit most financial institutions have been playing kind of a game of catch up and crisis management, as everything in banking went digital and many organizations enabled the opportunity for customers to use their mobile device to open an account or to get a loan, but really didn't do it in a digital way.
Some of the processes in our research of the digital banking report showed that it took 12 to 15 minutes to implement something. So what has the impact been on BrightFi, as well as financial institutions in the marketplace, since the pandemic hit, and really in the second year of responding to the pandemic?
Jim, I think there's been a number of accelerations in the environment in banking over the period that we've been in COVID. What I think everyone accepts is that the move to digital in every industry that is affected by COVID has accelerated tenfold, that we've seen the acceleration of the need for digital products across all industries during the period, and that we might say that banking has moved 10 years ahead of what it was going to do in the two years that we've been sitting in COVID.
I think we've seen organizations start to respond more in the second year than they did in the first year. I think in the first year a lot of organizations were at a loss as to what to do to change their strategies, and what we are now seeing is the recognition that the smaller institutions in the US must now embrace digital technologies much more fully if they are going to be able to continue to survive in this COVID and post-COVID world.
It's interesting, because when you look at what's happened organizations really... They differentiated themselves. Legacy financial institutions really took one path and your digital fintech firms really did another. But when you're looking at organizations today, they're looking to modernize their core or improve their digital offerings. What are they looking for? When you're meeting with banks what basically are they looking for today?
Gosh, I think the ones who know what they're looking for are looking for digital platforms, which is what their customers are demanding. They are looking for the ability to provide digital solutions, so digital banking. It's the products, it's the functionality, it's the tech end operations, and they know that they have to be able to provide it to their customers, because their customers are getting amazing service outside of banking in relation to their everyday needs, and they get that through the digital platforms that we use in our daily lives, and banking has not sufficiently caught up with the rest of the world, with the other industries in that regard.
So the businesses who know what they are looking for are asking for digitization and all of that functionality for banking. Unfortunately, not all of them know what they're looking for.
That's a really good question. So when you usually get in contact with a financial institution do you find them sometimes kind of picking your brain as to okay, we know what we want to achieve, but we really don't know the path to go? Do you help them structure that path and say, "Okay, let's figure out where you are today, let's figure out what you want become, and let's find the best way within your budget to get there." Is that... I mean a lot of organizations maybe don't have a complete, clear view of where they want to end up?
Yeah. That's precisely the case. Even more so, Jim, they don't really know what it's going to cost or how long it's going to take either. They have the notion, they have an idea, they have a desire to be able to digitize their business, not necessarily knowing exactly what that's going to mean.
Of course there are very smart, very capable technology and business leaders in many institutions across the country, but that doesn't mean that they understand this element of technology that's necessary for successful digitization, and so we do work with them to move them through that process.
It's about saying what have you got? How do we fit around that? How do we make sure that we are sensitive to the existing business, because it's not the case where you can just go in and pull everything out and start again. That's not how banks work.
We've got to be very sensible in the approach that we take and collaborative with the clients, and that's just good business sense from our perspective of course as well. That's a better approach than saying to somebody, "Oh, my gosh, your systems are terrible and you must do this thing." You've got to be much more practical and pragmatic than that.
Interesting. In researching BrightFi, your organization started off as a neobank, going directly to underbanked consumers. Now you're offering a platform for banks and credit unions. What changed? What changed your business model overall?
The realization, Jim, that what we had created for ourselves, which is a fully digitized, virtualized technology platform and operations support for banking, was something that other banks need as well. So it became immediately obvious to us in the early days that the very solution that we were putting together to be able to provide services to the unbanked and underbanked communities, which is what we set out to serve, was also going to be the same technology and operations that could support the wider public that is already receiving great service from community banks and credit unions and regionals who just do not have the technology to be able to compete against the major fintechs and major national banks.
By offering the service that we do we allow them to compete and to be able to use the best technologies for their clients too.
It's interesting, you talked about the way you started off as a neobank, and one of the reasons why a lot of the neobanks are in existence, they say they're reaching out to the unbanked and underbanked, but a lot of that has to do with the fact that that whole segment has been underserved by traditional banks that have a much higher cost structure.
The lower cost structure of a digital bank makes it so that you can reach a niche that wasn't reachable before, and even more than just the cost of serving. It's the data collected and the ability to use data to build better price, isn't it?
Yeah. For sure data is an important element of every transaction that occurs in banking, and it always has. The power now, though, is to be able to take all of that information and use it to identify whether that's next best product or risk level that relates to a specific credit product. All of those things become information that, yes, we can use to be able to provide better service to the customer and to the clients, and to do it at the time that they need that product.
So, yeah, data is an important element of it, but it's not the be all and end all. As you say, the operational costs, the fundamental costs to serve, is an important element in how we are able to provide services to even the unbanked and underbanked, the people that generally generate the lowest revenue for the banks, and therefore are not targeted by most banks.
Our premise was always if we can provide a profitable service to that group and treat them properly as our customers, then ever other group becomes even more profitable. So being able to use that same platform for other customer groups then generates a cost save for the institution that can translate into greater revenues for them and also then to maintain the appropriate risk profiles and all of those important things too.
So it's interesting, you've mentioned the smaller community banks and credit unions, which is really pretty much... As I understand it, the primary target market of BrightFi is you're partnering with organizations, but it's interesting, because our research shows that the best right now of the digital transformation journey have been the biggest banks, because they have the dollars to do so, and actually the smallest banks, because they don't have the legacy leadership that holds onto the past so strongly that it makes it so that move forward and the innovation and the digitalization format is so difficult.
What advantages do you see? You obviously are picking community banks and credit unions as your target customer base. What advantages do you see within those organizations and how they serve their communities, but also their willingness to open their minds towards digital transformation as you've provided?
To some degree, Jim, I think that there's a sense of necessity about that digitization journey, so they are a group that is very open to the conversations that we and others have with them about digitizing their business. They're very open to it because they recognize that it's a journey that they must take.
There's a survey that related to the confidence that small banks, community banks and credit unions, have in the relationships that they have with their customers. Their customers say we love the fact that community banks and credit unions understand our business, they understand our cashflow, the create the appropriate products, they have good relationships with us, I know that I can go to them and have a proper conversation with them about my business or my needs or my particular experience or problems and they will respond humanly to those problems.
But the reality is also that if they don't have the digital capabilities to serve those customers as well as the relationships, then they are not going to be able to survive, because that's where the major banks... You know, Bank of America spent $12 billion last year on technology and digitization, and they're getting really bloody good at it, and unless the community banks and credit unions can use technologies like ours to level that playing field, then they will continue to lose customers, particularly younger customers, which are the future lifeblood of all of those organizations, to the major national banks and to the standalone fintechs as well.
So the conversations that we have with them are often very positive in relation to, exactly as you said, the innovation that they want to embrace, but we have to show them and bring them on a path to be able to do that effectively.
Obviously there's a significant cost to implement digital. You might be able to modernize and reduce costs, but the implementation hill is significant to climb with regard to a core transformation. How do you address that challenge at BrightFi as you partner with the banks and credit unions you're working with, because obviously they don't have the staff, they don't have the team, the certainly don't have the dollars to implement at such a broad way that a large bank can?
But this is all scalable, isn't it? How do you work with your clients right now in not only dealing with the cost implement, but more importantly the time and effort that's pretty significant as well?
Yeah, well the answer is we do it very carefully. From the very start we created something that we knew would have to be implemented into organizations that would rely more on us and our skills and our capabilities to be able to fulfill that implementation.
My experience in major banks is that it would take many years and tens if not hundreds of millions of dollars to do anything like a core banking transformation, and it is the stuff of nightmares for CIOs and executives in every organization.
What we have done is to set out a platform that we can introduce alongside or indeed swap over a corp banking system, but we can implement it alongside in as little as 90 days and for as little as a couple hundred thousand dollars, so it is a consequential change from implementing the old legacy systems of the last 20 years because it is a virtualized digitized system and it's configurable, and it's got all of those great... All the buzzwords are all in there, but the important outcome is that it's a relatively, in inverted commas, easy thing to implement and that there's a path that we can bring our client through quickly and to the extent that it's possible painlessly.
This is interesting. What you're saying is when your partnering with a financial institution you really address the three major challenges that our research found that financial institutions have with digital core transformation. Number one, cost. You have a way to drill this down, and obviously between the cost of what they're doing and the cost of what they're going to be doing going forward there are savings involved.
Secondly, speed of implementation. You mentioned that this can done extraordinarily fast from this concept of when things are being done, and if you listen to podcasts we talk over and over again about the speed of digital is so fast that if we don't catch up and go ahead in the speed category, if we don't do things that aren't annual plans, but quarterly plans or monthly plans, we're not going to succeed.
The third thing you mentioned, it's configurable in that you don't have to jump all in. You can do a section. You can do a department. You can do a line of business. You can do certain areas, which makes it so that this whole thing can be absorbed in a fairly easy way compared to what we mentally put in place.
And if I'm not mistaken, BrightFi is cloud based, so even the security issues are being addressed, because obviously we have found while a lot of this hesitation around using the cloud was security, actually the cloud is a much more secure environment than most of our legacy platforms, legacy core systems. So really you've really addressed all those issues, haven't you?
Yeah, we really have. We've embraced the virtualization wholeheartedly, because it creates an environment, or has now created an environment, a platform that allows us to achieve all of those things, and importantly to do it in a way that doesn't create additional risks and doesn't sacrifice the service to the customer, but in fact enhances it, so the customer is getting all of those things securely to their phone or to their laptop or to whatever device they're using banking, and they are then to quickly transact to using that platform.
This is interesting. We talk often on this podcast and in my articles about the need for speed, about the need to become digital, to really work on the back office and make that so that not only is the platform modernized, but your processes are modernized. This seems to be the solution that everybody is looking for, but obviously not everybody is standing in line to sign up or anything of that nature.
When you're working with financial institutions and you get to that first meeting and you sit down with them, what holds a lot of organizations back from actually implementing your solution, which seems to answer most of the major issues that organizations bring up in their challenges section. What holds them back from becoming more digitally mature and using a process like yours?
Jim, that's a great question and I'm not sure that there is one single answer to that, because every organization is necessarily different. They have different calls on the funds that they have available for investing. Smaller institutions don't have billions of dollars. Many of them don't have millions of dollars to be able to spend on different projects, and therefore they have to then be very sensible and careful about where they direct the funds that they have available.
Funding is always going to be a conversation point right from the start, so we're very transparent about the cost model that we've pursued, because we know that it is consequentially cheaper than they will have had experience with with the legacy systems. So costing is for sure always one of the things that come up.
The reluctance to mess around with existing systems is always something that comes up. If it's not broken don't fix it I think as an objection comes up time and again. However, that generally is an obstacle that has already been resolved in the minds of the executives at the majority of institutions, because as we've just said they recognize that if they don't embrace this set of technology changes, that if they don't make their business digitally capable, if they don't virtualize and provide a basis for future changes and whatever is coming down the path in six months and 12 months and five years time, then they will not survive in the current market environment, which is one that is defined by digitization.
The successful businesses that we all see now are ones, particularly in the service and banking space, are ones that have high digital functionality, so that is not going to change.
I'm a financial institution, I'm a community banker or a credit union and I want to move forward, but it takes more than technology. It takes more than simply a plugin play or working on a core technology that's going to run parallel to what I currently have... Our research shows that it takes to look at your back office, because simply digitizing, what you've done in the past, isn't going to give you the benefits that technology will bring.
You really have to work at reconfiguring and rethinking your back office. In addition, you need to implement and use data and analytics more proficiently in order to know what you have to do next.
How does your organization work with clients, even though it's not your necessarily your column and silo to work on... How do you work with organizations to fix the other things around the technology to allow to get the highest level of efficiency and effectiveness?
Yeah, you're 110% right. Digitizing the old process, the old broken process, is not going to solve the problem. There was a study that I saw a few months ago that said that something like 90% of transactions are now initiated digitally, but of those more than 50% then are passed to a manual process for completion.
So all you're doing there is put in a digital front end on an old broken back end, and the opportunity really is to be able to have that end digitization. That's really where the opportunity lies.
Yes, the first step is to front end digitization, no problem. They need to take that first step, but really it is about then taking the second step as well. Because we actually operate our own bank for unbanked and underbanked, then we are able to show here's what the operations can look like as well and direct the clients around using more efficient operations to have that full end-to-end process rather than just the front end.
I would imagine that one of the benefits that you bring to the table is that since you work with financial institutions overwhelmingly and the size of the organizations that you're targeting and the size of organizations that you already have, you could also connect the dots and say, "Here's how other clients that we've worked with have solved this problem."
Again, one of the benefits of having a highly focused target audience is that certainly if not helping them directly, you can point them in the directions of what other organizations who they've used to help solve these issues, or other financial institutions have already addressed these issues. So you provide that guidance in such a way, because you've already gone down these paths. You know the challenges organizations have. You know what's going to mess up the efficiency and effectiveness of your platform, and you can connect with organizations that have already solved it, can't you?
Yeah. That absolutely is the case, and I'd add to that as well we can also bring in learning, and have brought in learning from other industries too. The gambling and gaming industry is further ahead than banking in remote identity verification. They've just been doing it for longer. They are better at it. They've got more skills, and we looked to them when we were building our elements for remote customer onboarding. How do we make sure that that is the most secure and accurate mechanism for us to be able to identify an account opener?
The same with the medical industry. It's further ahead in secure data access retrieval and sharing across their infrastructure, so we looked to the medical industry to take examples and learn from that industry so that we can make the best available for our own platform.
Let's look two years out. I used to say five to 10 years out, but you know that time frame, everything can change by then. But let's look two to five years out. How do you see community banks and credit unions competing against not just the bigger banks, but also against the neobanks that have been eating away at the size credit bit?
Do you think these organizations can actually do the digital transformation that's necessary to not just survive and keep up, but to actually maybe get ahead of the game and succeed?
Yeah, I do. I think that in two to five years we will have a thriving community bank and credit union environment. I think that the group has a superpower in the relationships that they have with their customers. They are by far better than the major banks and better than the fintechs at maintaining those relationships and understanding their customers and engaging in their communities and owning that relationship.
The thing that they now have to do is to get the infrastructure right. I'd love to say that our digital platform is the thing that will make the difference for them. That's not true. Their continuing relationships with their customers will be the difference. It will continue to be their superpower, but unless they get the technologies, unless they digitize, they won't have the chance to use that super power or continue to use that super power.
So yes, I think that it will be a thriving community in two years time, but it depends on them taking this digitization journey.
I agree totally. I think the span between those that thrive and those that don't any longer exist is going to become clear to us, because I think that we've made the journey easier than it's ever been. It's less costly. It's faster. Organizations have to make the decision though.
At the end of the day... And we've interviewed a lot of fintech firms and a lot of really innovative financial institutions, it gets back to legacy leadership, is the leadership willing to embrace the change that's required, willing to take on the risk that's still going to be in there, you can't do all this without some risk being accepted, and are you going to do it at speed, that is so key, and that leadership is going to drive it?
I think we're going to see a lot of great success stories. I think we're also going to see organizations combining. I think we're going to see more fintech firms and the traditional financial institutions combining to make more digitally oriented traditional financial institutions.
Finally, what key piece of advice would you give to financial institutions for evaluating currently cloud based digital and core banking platforms? What would you tell them... Number one, what key advice would you do, and what should they do first?
My advice I think comes back to precisely what you just said, Jim. The only real competitive advantage that I think is left in business generally is the ability and the desire to change, because the market is changing at such an accelerated rate that organizations must embrace change positively. That would be my advice, is accept that you're going to have to change and then pursue that change.
Do it in whatever style and mechanism suits your business of course. Take the time, do the reading, ask the questions, but then make the change. There is no doubt in my mind... Like you, I share the view that there are going to be survivors who will thrive and there will be organizations who do not make this digital change and they will not survive. It will not be enough just to have relationships with customers. You must also serve those customers with the products that they want, in the manner that they want, and that's digitization, like it or not.
Well, it's interesting, because at the end of the day it is going to be those organizations that are willing to make those changes, and I am of the personal belief that the mid-sized, the second tier, not the third tier, but the second tier, the regional banks, are probably going to be challenged more than anybody, because they don't have the money to compete directly with the biggest banks and they have legacy leadership that's been in place for 30 years that is less likely to change, because financially they're doing very well. If there's no pain there's no movement.
I think again, the smaller community banks and the credit unions really have an advantage in this, because they understand what's going on in the street and they're usually more the innovative spirits out there, the challenger mindsets that we talked about.
Michael, thank you so much for being on the show today. If somebody is trying to get ahold of you and find out more about BrightFi how do they do so?
The website of course, brightfiservices.com. A Google search will certain get to us, and ultimately to me.
Great. Thank you so much for being on the show.
A pleasure. Thanks for having me, Jim.
Thanks for listing to Banking Transformed Solutions, a new banking podcast that focuses on innovative solutions for financial institutions. We would like to thank BrightFi, that sponsored today's show.
If you're a solution provider wanting to discuss how you can help bankers and credit unions solve the major marketplace challenges drop me an email. We're keen to help.
This has been a production of Evergreen Podcast. A special thank you to our producer Leah Longbrake, audio engineer Sean Rule-Hoffman, and video producer Will Pritts. I'm your host, Jim Marous. Until next time remember the ability to deploy innovative solutions at digital speed usually involves a trusted partner.
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Sean Connery reading "Ithaca", of Cavafy, the great Greek poet. . . with Greek subtitles O Sean Connery απαγγέλει την Ιθάκη του Καβάφη σε μουσική υπόκρουση Παπαθανασίου.
"The melancholy of Jason Kleandros, poet of Commagenes, 595 A.D.
is a wound from a horrific knife.
I have no perseverance whatsoever.
the numbing of griefs tested, in Fantasy and Words.
which make- for a little- the wound not be felt.
whatever theme I pass through, whatever idea I say.
and I hear those last words and I hear the first.
as the vision leaves me alone.
it goes out and is lost, your form, your shape of love.
κι' ακούω τα λόγια μας τα τελευταία κι' ακούω τα πρώτα.
σαν φεύγ' η οπτασία και μ' αφίνει μόνο.
σβύνει και χάνετ' η μορφή σου η ερωτική.


Worked on blog 30 minutes for 3 days resulting in three blog posts.
Completed two books. Presence by Amy Cuddy and Sam Walton Made in America.
Family day at Rock City on Monday.
Several 3rd party detailers are now in training.
Improvements to daily morning time block helped, completed 3 time blocks.
Missed using Full Focus Planner one day, took me off track.
Had a cold and used that as an excuse not to use my fluoride toothpaste.
Continue using the 30 minute time block 9-9:30 am, expand to 45 minutes.
Most big goals we set require us to make 100s of tiny changes. That is why we often do not accomplish them.
By focusing on the outcome we ignore the process. Focus on the process.
Have a great and productive meeting with VP on 2019 sales plan.
Work on blog 30 minutes for three days, result of at least three posts.


text:
When We Were Wolves: Stories
Billman, Jon
9780307568519, Related ISBNs: 0307568512, 0375502580, 0812992318, 9780307568519, 9780375502583
Synopsis: "If you could have been around a hundred and fifty years ago, and passed through the landscape as a beaver-trapping tough with Jim Bridger or Jedediah Smith, before coal barons, before soda ash and oil, before Mormons, before you could stand outside and watch satellites pass through the night sky or silhouettes kissing in warm apartment windows, when this history was wild and new, you could have just pointed and named something of permanence, a mountain, a river--at least a creek--after yourself. Or they would have named it for you, a permanent mark, just for being here."
From a new talent that Annie Proulx has called an "important emerging writer" comes a surprising and expansive collection of stories, steeped in the lore of the frontier but unmistakably fresh and of our time.
When We Were Wolves roams over a West we never knew existed--colonized by rogues and tricksters, Custer impersonators, firefighters with a weakness for arson, and the other rootless folk who come to rest under the vast and forgiving desert sky. Jon Billman writes about accidental lives: people who are trapped in unsuitable marriages, impossible situations, but who handle them with the odd grace of those who are determined to live by their own strange code. He mingles the skewed humor of David Sedaris with the loping, rough-edged appeal of Tom McGuane. This is a beguiling new entry on the map of American fiction.

redpajama_set_name: RedPajamaCommonCrawl


text:
People aged 38 and 39 to be offered a Covid jab in England from Thursday, May 13
By Advertiser Reporter
news@newarkadvertiser.co.uk
Published: 16:00, 12 May 2021
| Updated: 16:27, 12 May 2021
NEW Forest and Christchurch residents in their late 30s will be able to book their first Covid jab from tomorrow.
Appointments on the NHS booking website are expected to be opened to those aged 38 and 39 from Thursday.
Up until now only people aged 40 and over have been entitled to book their appointments, alongside health workers, carers and those with an underlying health condition, but as the vaccination drive continues health chiefs have told the PA news agency that England's roll-out will now move down into the next age bracket from the end of this week.
The vaccine roll out is expected to move to the next age bracket from tomorrow
Under-40s are expected to be offered an alternative to the Oxford/AstraZeneca coronavirus vaccine following advice from The Joint Committee on Vaccination and Immunisation (JCVI) because of an 'extremely small risk' of people suffering blood clots after having the jab.
It is understood those under 40 accepting a Covid jab will instead be offered a dose from one of the country's other suppliers including both Pfizer and Moderna.
The Johnson & Johnson vaccine is currently awaiting approval from The Medicines and Healthcare products Regulatory Agency to be used in the UK.
Patients logging onto the NHS booking website from tomorrow will be directed to their nearest vaccination centre with available appointments and a supply of jabs.
Alternatively people will be contacted by their GP surgery.
Coronavirus Health Advertiser Reporter


text:
Boston Cardinal Launching Podcasts
Jim Finkle, Reuters (reuters@telecom-digest.org)
Next message: USTelecom dailyLead: "Vodafone Eyes Bid For India's Hutchison Essar"
Previous message: Donna Smith, Reuters: "No Typing not a Problem for 'The Hammer' Blogger"
By Jim Finkle
Boston's Cardinal Sean O'Malley, the Internet-savvy leader of the
fourth-largest U.S. Roman Catholic diocese, is bringing the church's
2,000-year-old message to the world's millions of iPod owners.
O'Malley will become the first of the Catholic Church's 186 cardinals
worldwide to launch a podcast and use the technology to reach
followers, said Father Robert Reed, who runs a Web site that will
distribute the podcasts, on Thursday.
The cardinal, who already maintains his own blog, plans to deliver his
first video message over the Web on Christmas Eve, issuing holiday
greetings in English, Spanish and Portuguese that can be played on
demand. That will be followed up next month with downloadable video
Podcasts are audio and video programs that can be downloaded from the
Internet and played on iPods and other digital media players.
The Archdiocese of Boston has turned to the Web to unify its followers
and help repair its damaged image after a pedophile priest scandal
that erupted in 2002 in Boston and spread to other U.S. dioceses,
sparking hundreds of lawsuits.
Last month, it launched a password-protected Intranet computer network
that links the cardinal with about 800 priests in Massachusetts. He's
also issued them e-mail accounts.
"He embraces technology," said Reed, who is director of Catholic TV, a
cable TV station in Massachusetts.
The station recently launched http://www.iCatholic.com, which will
feature podcasts, video-on-demand programming and a live stream of
Catholic TV.
O'Malley, 62, was named to run Boston's troubled Catholic church in
2003. He wears the plain brown habit and rope belt of his Capuchin
order, founded in the 16th century as an offshoot of the Franciscan
In September, he became the first U.S. cardinal to launch a blog,
http://www.cardinalseansblog.org , where he posts photos and messages
describing his activities each week.
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We'd aim for a 2.0-liter equipped GT Line for its features, or the 2020 Soul S for its value.
The 2020 Kia Soul compact hatchback is proof of life among small, inexpensive cars.
The 2020 Kia Soul hatchback scopes in its target audience by aiming at the fringes.
Outre style, light-up speakers, and a low price speak to periphery shoppers who don't mind trading style for substance. The Soul's secret? Its hatchback practicality, fuel-efficient powertrains, and quiet ride are right down Broadway for many buyers.
This year, the Soul is new but retains the characteristics that made it a surprise hit in the U.S.
The new Soul is available in LX, X-Line, S, EX, and GT Line trim levels. Kia hasn't yet said how much each will cost, but base cars will start around $18,500 and top trims will tempt $29,000. The Soul's sweet spot will be close to $21,000, however.
This year's Soul is subtly different than the car it replaced. It's bigger by inches, but the same boxy profile has returned. We like the new face, which is more unified than the outgoing version's split grille. Different trim levels wear different accents.
Inside, the interior lights are higher and the speaker covers are different—but it's still functional and comfortable for adults.
The base powertrain is the best: a 2.0-liter that makes 147 horsepower mated to an automatic transmission. The Soul is hardly fast, but it's agile around town and its gearing makes it a good urban runabout at slower speeds.
The optional engine is a 1.6-liter turbo-4 that's peaky and teamed with a finicky automatic transmission. We don't recommend it.
The Soul is also available with an electric powertrain that we cover separately.
The Soul's pride is in its packaging: it's comfortable for four adults, with plenty of leg room for 6-footers or taller. The hatchback has an easy entry (which appealed to older buyers who snapped up the last generation in droves) and spacious cargo area that opens up to more than 60 cubic feet with the rear seats folded.
It's quiet down the road and more comfortable than its low price would suggest.
Most Souls will be safe (we couldn't help ourselves). Active safety features are included on S trims and higher and include automatic emergency braking and lane-departure warnings. Top GT Lines get the full house: blind-spot monitors, adaptive cruise control, and a head-up display.
Base cars skip active safety and a few creature comforts but offer 16-inch wheels, cloth upholstery, a 7.0-inch touchscreen with Apple CarPlay and Android Auto compatibility, one USB port, and a low price.
A big, bright 10.3-inch touchscreen is available on top trims along with more USB ports, a wireless phone charger and interior ambient lighting.
The price of the 2020 Kia Soul isn't the only thing that looks good.
Graduated from its hamster days, the 2020 Kia Soul's new style will still be familiar to most shoppers. It's a boxy hatchback with small twists that cleverly disguise from its budget construction.
With the 2020 Soul, Kia didn't rewrite its successful formula from last time around. It's still a brick with a buzz, to us; Kia calls it a boar with a backpack.
The trim levels diverge slightly: X-Line trims get chunky body cladding (but no more capability), GT Line trims get a unique grille and red accents on the exterior.
Kia claims that its corporate grille has been planted in the Soul's snout, but we don't see it. Instead, the new Soul is smarter and more angular than the last version, playing less with its lines along the windows and more with its taillights.
Depending on trim level, the Soul has one of three headlight configurations—we like the GT Line the best. Around back the Soul is the same, regardless of trim level, with wide boomerang lights that reach toward the top.
Inside, most of the Soul is new, although the speaker lights return—in top trims. The speaker towers and doors are different this year, but a center touchscreen still dominates attention.
Kia did well to cover the Soul's economy car roots with dashes of flavor: the speakers run close to the door handles with silver accents, the black accent in the rear roof pillar is stamped with a "Soul" name.
The 2020 Soul nails its performance mission: affordable and agreeable, without feeling cheap.
Despite its price, and commuter-car aim, the 2020 Soul doesn't dull drivers with a perpetual-Monday feel behind the wheel. The small Kia is bright and comfortable but doesn't sacrifice fuel economy with gobs of power or substantial girth.
Two engines are offered in the Soul this year, down from last year. The base Soul is powered by a 2.0-liter inline-4 that makes 147 hp and 132 pound-feet of torque. It drives the front wheels only through a 6-speed manual transmission, or more commonly, a continuously variable automatic transmission (CVT).
It's the better of the two powertrains available in the Soul, and also the cheapest.
The fuel-saving CVT has a secret: it's better at low speeds than higher speeds, which makes the Soul more comfortable around town. There's a sport mode that stiffens the steering slightly and revs higher, but normal is more the Soul's speed.
Compared to the top-shelf, turbocharged engine, the 2.0-liter inline-4 feels a little pokey but we wouldn't trade pace for the 1.6-liter's petulance.
The 1.6-liter turbo-4 optional in the Soul GT Line makes 201 hp and 195 lb-ft, which is a considerable jump from the base engine. For the trade, drivers get a peakier engine that delivers power in a chunky way. It's fun to wind up the turbo at highway speeds, but at slower speeds—read: around town, or in stop-and-go traffic—there's less of a difference than 36 percent more horsepower would suggest.
Part of the issue is the turbo's 7-speed dual-clutch automatic transmission that we've taken issue with before. At low speeds, the automatic feels like it hesitates—even rolls back in traffic—and at moderate speeds the shifts can clunk through gears. Owners have reported that the problems get only more pronounced as the car ages, and we have difficulty recommending any of its applications.
The Soul's ride is calm and composed, edging closer to comfort than we'd expect from an economy car. Despite riding atop a suspension setup that's typically known for its low cost instead of low turbulence, the Soul was calm on a variety of road surfaces. Our turns behind the wheel came behind GT Line and X-Line cars, which both feature tall, 18-inch wheels that can stiffen rides. We didn't notice any harsh rides, and even with the GT Line's stiffer suspension settings, the ride was still supple.
The Soul steers with confidence, although it could be a little heavier than expected. Generally speaking, we like heavier steering feel, if only because it feels more confident. The Soul tracks well down the highway, but between the 2.5 turns from lock to lock, there's not much buildup in the wheel in a way that we'd like.
Forget the number; the 2020 Kia Soul is spacious and comfortable—a relative rarity.
Don't be fooled: the 2020 Kia Soul is remarkable in its efficiency of space and room for a tall-riding hatchback.
Five adults fit within the small car, with ample leg room in the front and rear for NBA-sized passengers. (Four's better with broad shoulders, perhaps.) Behind the second row, more than 24 cubic feet of cargo room is available with the seats up, or 62.1 with the second row folded flat. There are numerous cubbies and shelves, and the seats are comfortable for adults, too—even base versions.
Up front, the Soul's seats are thickly padded and all-day comfortable. Most cars get six-way manual adjustments with enough seat travel for drivers seemingly wearing stilts. The front seatbacks may pinch the broadest of frames below the shoulders, but it's not uncomfortable—congrats on blasting your lats at the gym.
The rear seats are a marvel. Behind 6-footers, rear-seat riders can be 6-footers themselves and their knees will never touch the front seatbacks either. Three abreast is possible in the Soul—good news if one arrives as your ride-share on Friday night—and children will easily fit. The door cutouts for the rear seats are mildly awkward, watch your dress ma'am.
Behind the second row is a generously sized cargo area with an available floorboard that can raise or lower to offer a flat loading floor from the hatch, or an additional 0.8 cubic feet of storage space when lowered. The liftover height is deceptively tall and the hatch is just a little too low for 6-footers to stand upright beneath it.
The Soul's fit and finish isn't luxury grade, but it's not poor either. In most trims, the funky hatchback has solid materials that feel durable and cleanable—although they wouldn't be as interesting without the quirky speaker panels and shapes.
Top GT Line trims separate from the pack with a large, slick touchscreen, illuminated door speakers and unique instrument cluster. It's a bucks up feel for a cheap car, if you can afford it.
We'd rather not ruin a 2020 Soul, we'll wait for the feds instead.
Aside from standard safety equipment, which includes six airbags and traction and stability control systems, most 2020 Souls will be equipped with lifesaving active safety equipment.
Automatic emergency braking, lane-departure warnings and blind-spot monitors are standard on all but base Soul LX.
S trims or higher add active lane control, and a driver-attention warning if the car drifts from its lane too often. GT Line models, when equipped with the turbocharged engine, get the full boat: pedestrian detection, adaptive cruise control, and a head-up display.
Outward vision in the tall-riding hatchback is generally good, except toward the rear where chunky roof pillars can obstruct blind-spot views.
Base models skip the good stuff, but the 2020 Soul can be well-equipped without spending a fortune.
Cute may be the Soul's calling card, but the good stuff isn't hard to find.
This year the Soul is offered in LX, X-Line, S, EX, and GT trims. A Designer Collection upgrade for the EX version adds bigger wheels, synthetic leather, upgraded headlights, but no runway strut. The top model, a GT-Line with 1.6-liter turbo-4 rings the bell at more than $28,000, but the Soul doesn't have much value more spacious rivals at that price.
Top trims are impressive, too, although we're not sure may buyers will go there either. The Soul GT-Line with the 1.6-liter turbo-4 adds synthetic leather upholstery, 18-inch wheels, a slick 10.3-inch touchscreen for infotainment with smartphone compatibility, two USB ports, a wireless smartphone charger, keyless ignition, premium audio by Harman Kardon, active safety features (that we cover above), a head-up display, and speaker lights. Those cars will be a big step up in available features—and in price.
The GT-Line with the base engine is a better deal at just over $22,000, but it doesn't offer the impressive 10.3-inch touchscreen or synthetic leather upholstery.
Ask us to spend our own money and we'd step over the GT-Line to S versions that cost the same as the GT-Line 2.0, and add to the base model 17-inch wheels, active safety features, and upgraded cloth upholstery. EX trim levels are tempting, but likely crest $22,000, where the Soul's value starts to fall down relative to others.
Good news, thrifty commuters: The 2020 Kia Soul is fuel-efficient in every configuration.
The 2020 Kia Soul is fuel efficient in most configurations, but the base powertrain that most shoppers will consider is the most frugal.
The base Soul rates 27 mpg city, 33 highway, 30 combined with an automatic transmission, according to the EPA. Manual-equipped Souls are not only rare, they're also the thirstiest: 25/31/27 mpg.
The turbocharged GT version is automatic-only and rates 27/32/29 mpg.
This year's Soul EX gets "eco" badges and a 29/35/31 mpg rating. The Soul EV is black belt eco, however. The EPA rates its electric range at 243 miles, although we rate it separately.


Thank you to everyone who filled out a copy of our survey to win a Droplr invite. We had over 1,000 responses, and got some great insight into what you like and dislike about AppStorm!
I've randomly selected 20 respondents as winners, and am pleased to announce that the results are in!
Thanks to everyone who entered our Snowtape competition. It's a great application, and if you'd like to find out more about it you can read our recent review.
Congratulations – we'll be in touch soon! If you'd like to be notified when our next competition kicks off, be sure to follow us on Twitter or subscribe via RSS!
Mac software developers are incredibly generous when it comes to giving something away free to the community – whether in a competition or a bundle. Federico got in touch yesterday to let me know about MacStories Festival, a 10 day giveaway of more than 130 different software licenses. That's an awful lot of free software!
Almost 35 different apps for Mac and iPhone are on offer, and 130 licenses are up for grabs. It's a big party, created with Apple lovers in mind! Head over to the competition announcement to read more and enter. The giveaway closes tomorrow, on Wednesday 7th October. Good luck!
Thank you to everyone who entered last week's competition to win a copy of VoodooPad or Pathfinder. They're both great applications in their respective fields, and I'm pleased to announce that the winners have been chosen!
We'll be announcing the winners of our huge wallpaper competition very soon, so be sure to follow us on Twitter or subscribe to the RSS feed to find out if you're a winner!


text:
96-year-old recovering after hit-and-run 'handicapped' her, suspect still at large
by: Ryan Matthey
LAS VEGAS (KLAS) — Two weeks later, 96-year-old Narumi Lichlyter and police still do not know who hit her with their car and left her for dead.
Lichlyter, or "Rumi" as friends and family call her, has spent the past two weeks in and out of medical care after losing feeling throughout her entire body from a November 17, hit-and-run at Tropicana and Mojave.
The Japan native, turned Las Vegas local, said she was hit while crossing the street from a shopping center directly across from the living facility she moved into four months ago.
"I stepped farther (in the crosswalk), I don't have consciousness. I can't remember anything. I was in a hospital bed when I woke up," Lichlyter said while sitting inside her living facility's main lobby Thursday afternoon.
Though she says the living facility provides a shuttle to the nearby center, she opted to walk home to "get exercise" after seeing other facility members do so.
She said those members walked faster than her, leaving her a crossing cycle behind, but only crossing the street when she had the appropriate crossing light.
Now, she has three fractured ribs, an injured shoulder, knee pain, and a bump on her head.
Her son, Thomas Lichlyter, flew in from Oregon to be by her side while she recovered over the past two weeks.
Though the 96-year-old says she felt "frozen" when she first regained consciousness, her son adds that some pain is "melting" and is now only affecting the right side of her body.
"It's definitely slowed her down, hampered her, handicapped her. She's right-handed," Tom said, sitting next to his mother. "She can't do nothing with her left hand."
Las Vegas Metropolitan Police suspect a gray or black Ford Crown Victoria with tinted windows and no license plates hit Narumi around 11:30 am. Officials confirm a suspect had not been located yet as of Thursday afternoon.
Until then, and as Narumi and her son continue daily physical therapy classes and new medication, they wonder if justice will ever be served to the driver who almost took her life.
"She just wants to get back on her feet and do her normal everyday routine," Tom said. "I would tell (the driver) to come forward and just be honest about it. Maybe say 'I didn't see her' or 'I was in a hurry.' Something."
"I should remember the memory. I don't have nothing," his mother added.
Police urge anyone with information regarding the vehicle in question to contact the LVMPS Collision Investigation Section at (702) 828-3128, or, to remain anonymous, Crime Stoppers at (702) 385-5555.
Police add that "tips directly leading to a felony arrest, or an indictment processed through Crime Stoppers may result in a cash reward."


text:
Q: One to Many Hibernate, adding many side with proxy object I have two tables, say A and B. A is One side, and B is many side. Foreign key is in B only.
I need to know for a scenario where I need to persist entity A, along with adding relation to entities in B. (B entities were already present)
I tried it using proxy object using method getReference() of JPA.
So I took proxy objects of B.
But when I tried doing b.setA(a) I saw hibernate loading the model despite b being only a reference of B.
b is B object, a is A object.
Can I do better?

A: That is expected as getReference() gives you a proxy of the object and when this object is needed it executes the query and get it.

redpajama_set_name: RedPajamaStackExchange


Nightmare School section continues in 2018 edition with a calendar rich in initiatives, meetings and educational activities proving the will to raise the bar, continuing the path, brilliantly launched last year, of valuing the Festival's formative soul, whose dimention goes more and more beyond the main event's ten days with progressive incursions during the whole year. A vocation, the one connected to education and engagement of viewers of tomorrow, that is part of the great and composite universe called Start Cinema Factory.
Fundamental collaborations are the ones with the Cultural Department of Ravenna's municipality, in connection with the Public Education Department, as well as the contributions of Regione Emilia-Romagna, Minister of Cultural Heritage and Activities 2017 and, starting from this year, also Fondazione del Monte of Bologna and Ravenna. Realised in collaboration with Alma Mater Studiorum University of Bologna Department of Cultural Heritage and Fondazione Flaminia for University in Romagna, Nightmare School's proposal is addressed to students of different age groups with ad-hoc conceived events aiming to give necessary tools and know-how to make us of the constant flow of audiovisual material to which they are steadily exposed.
2018 edition is offering many projects, starting from Master Classes that also this year will give university and high school students the chance to participate in specialization courses where to meet and discuss with experts in the field.
Launched by last May's Master Class on complex television by professor Roy Menarini, the cycle continues with the second appointment titled Emotions between cinema, philosophy and neuroscience, held by professors Emanuela Serri and Rossella Giovannini, that is going to explore the subject of emotions and empathy from a philosophical and neuro-scientific point of view. The lesson, conducted by the professors together with Enrico Ghidoni, neurologist and neuroscience expert, will take as a reference the vision of Three billboards outside Ebbing, Missouri by Martin McDonagh.
Also Nightmare Kids&Junior specific workshops are back, taking advantage of the Festival dimension by proposing viewings and analysis occasions with professionals of the film industry hardly viable in other contexts and generally dedicated to a more mature audience.
In Nightmare School's 2018 edition primary schools will deepen the study of animation cinema and its techniques through the screening of My life as a courgette by Claude Barras, with the guidance of director Francesco Filippi.
As for secondary schools, a focus on film-making professions will show the many different competences contributing to the realisation of a cinematographic product. This year's lesson will be held by Giuseppe Squillaci, director and visual effects supervisor (VFX), who will tell his story and the secrets of his profession.
Training framework is finalised by the activation of university traineeship in cinema and communication, call for volunteers aka Nativi Nightmare and study/work experiences with high school students of Ravenna's Municipality that are going to actively take part in the Festival's realisation.
Starting from this year's edition, Nightmare School will be enriched by a new educational area thanks to the event Nightmare without barriers that aims to promote contents, tools and technologies that make possible the enjoyment of cinematographic art also to deaf, partially sighted and blind people.
The appointment, realised in collaboration with Associazione Quadrifoglio in Ravenna, consists of viewings of documentaries and short films starring deaf protagonists and authors. On this occasion documentary Il rumore della vittoria by Ilaria Galbusera and Antonio Guzzardi will be screened, that is a testimony of different stories about life and hearing loss, intertwined among them, proving that it's actually possible to overcome barriers. To follow: the vision of Esisto anch'io realised by students of 5C class at IIS Leonardo da Vinci in Rome, winner of School section award at CINEDAF 2017, and a selection of short films by Luna Bizzarri from Associazione Quadrifoglio.
In order to submit a class to the initiative, simply send an email at school@ravennanightmare.it specifying the class, its respective Institute, the teacher's name and telephone number, number of students and adults. Alternatively, you can phone Nicola Berti: Office +39 0544464812 - Mon-Fri 9:00-13:00, Mob. +39 3497399303.
Please note that available seats are limited and submissions will be accepted based on the order of arrival.


text:
Coupling Thermal Analysis with APCI MRMS to Characterize Petroleum Samples
Sponsored by Bruker DaltonicsApr 4 2019
The in-depth analysis and determination of petroleum fractions remain challenging. Evolved gas analysis (EGA) is a complementary method to conventional spray-based and ionization techniques such as APCI, APPI and ESI.
Thermal analysis involves measuring a specific thermal property, e.g. mass or heat flux, whilst applying a defined temperature program. Heating of the sample results in the vaporization and decomposition of the sample, and the gas mixture that is evolved can then be analyzed and characterized using a technique such as MS.
Thermal analysis with a thermo-balance allows analysis to take place at high temperatures, including the pyrolysis regime above 300-350 °C. If analysis takes place at lower temperatures (the desorption phase) any volatile components of the sample will be vaporized and remain intact during analysis.
Experiments in the pyrolysis phase involve the analysis of fragments and decomposition products, which can be used to elucidate structural information about the sample components. The ultra-high resolving power, large dynamic range and high mass accuracy afforded by Fourier Transform Mass Spectrometry (MRMS) means individual components of low concentration can be detected in complex samples.
Using an atmospheric pressure chemical ionization (APCI) method allows polar species to be targeted, such as polycyclic aromatic hydrocarbons (PAH) and their nitrogen and sulfur-containing derivatives, that cannot be accessed using ESI.
This article will explore a case study that demonstrates what can be achieved using MRMS alongside thermal analysis and a gas phase APCI source for petroleum sample analysis.
Method and Material
A GC-APCI II source (Bruker) was coupled to a thermo balance (TG 209, Netzsch Gerätebau GmbH, Selb, Germany) using a heated transfer line, as shown in Figure 1.1 An MS spectrum was captured using an Apex Qe 7 T MRMS (Bruker) set to positive ion mode. The sample was heated from 20 to 600 °C over the course of an hour using a temperature gradient of 10 K/minute.
Figure 1. Schematic representation of a TG coupled to a 7 T apex II ultra MRMS system using a GC-APCI II source
The samples, which were diluted in DCM, were held in an aluminum crucible and the mass loss over the course of the experiment was recorded to give a curve. Around 1 mg of sample was used per experiment. Spectra were captured between 100 – 1000 m/z with five spectra and 2 MW data points giving a resolving power of 260,000 (m/z 200) and an acquisition frequency around 0.4 Hz.
Analysis was carried out on a diesel fuel (DIN EN 590), a fatty acid methyl ester standard mixture (FAME Mix, Sigma-Aldrich), a crude oil (Greek crude) and a heavy fuel oil (HFO). Data was pre-processed, using m/z calibration and peak picking, and exported using an analysis program (DA 4.0, Bruker) alongside custom Matlab (MATLAB R2016a) scripts. The assignment of elemental composition was carried out within 2 ppm of error and the restriction of C6 -100 H6 -200 N0 -2 O0-10 S0 -2. A similar method can be found in the literature for GC-APCI.2-3
The coupling of MS with thermal analysis for the analysis of evolved gases is useful for the characterization of complex mixtures. Here, the use of TG-MRMS, using a GC-APCI II ionization source, for the analysis of petroleum analysis is explored. The technique's unparalleled mass accuracy and resolving power allows sample components to be characterized at the molecular level.
Figure 2, a survey view of the results that plots the temperature against m/z with the intensity indicated by the color, illustrates how complex the petroleum samples analyzed were.
Figure 2. Survey view of a) FAME standard, b) diesel fuel, c) heavy fuel oil and d) Greek crude oil measured by TG-APCI FT-MS. The high complexity and mass range of the petroleum samples is shown.
Several hundred features (elemental compositions with an individual temperature evolution profile) were detected for the diesel fuel and thousands for the HFO and crude oil, respectively. The evolved mixture spans a mass range from the lower acquired m/z boundary at 100 (for the diesel fuel) and reached up to 750 m/z (crude oil, HFO).
The use of high-resolution MS allowed elemental compositions to be determined. The diesel fuel was rich in CH-, CHO1- and CHO2 species, in contrast the HFO contained mostly CH and CHS-class species.
The use of the double bond equivalent (DBE) can be used to help understand the results. Figure 3 shows a temperature resolved visualization of the diesel sample's DBE pattern.
Figure 3. Three dimensional visualization of the double bond distribution evolved over temperature for a diesel TG-MRMS measurement. Intensity is color coded and a selection of potential structures is given.
Thermal analysis showed the desorption and pyrolysis phases (Figure 4) that was to be expected for a high bp fuel that contains some non-volatile components. During the pyrolysis phase there is a shift towards analytes of a smaller m/z, which are the result of fragmentation of the compounds present. The pattern in Figure 4 shows this shift in the averaged mass spectra between 300 – 500 °C. Pyrolysis results in the detection of a higher proportion of CHOx compounds.
Figure 4. Total ion count chromatogram with marked area of the desorption and desorption/pyrolysis phase for the heavy fuel oil TG-MRMS measurement. Averaged mass spectra of the marked areas are given below
The pattern resulting from analyte pyrolysis is overlaid with signals from the desorption of heavier analytes, which extend into the upper m/z. Due to the complex nature of the sample the desorption and pyrolysis phases show some overlap.
Coupling thermal analysis to ultra-high-resolution MS facilitates the in-depth, temperature resolved chemical determination of evolved gas mixtures.
This method can be used alongside direct infusion methods (e.g. ESI) or GC-APCI. The use of a thermal balance allows more information to be collected at higher temperatures, e.g. structural information can be elucidated from pyrolysis fragments. APCI is a powerful method of detecting any species with polar groups that are released during heating.
This article has demonstrated that TG-APCI MRMS can be used for the analysis of different petroleum samples over a variety of distillation ranges.
[1] Rüger, C. P.; Miersch, T.; Schwemer, T.; Sklorz, M.; Zimmermann, R. Hyphenation of Thermal Analysis to Ultrahigh-Resolution Mass Spectrometry (Fourier Transform Ion Cyclotron Resonance Mass Spectrometry) Using Atmospheric Pressure Chemical Ionization For Studying Composition and Thermal Degradation of Complex Materials. Analytical chemistry 2015, 87 (13), 6493–6499. DOI: 10.1021/acs.analchem.5b00785.
[2] Schwemer, T.; Rüger, C. P.; Sklorz, M.; Zimmermann, R. Gas Chromatography Coupled to Atmospheric Pressure Chemical Ionization FT-ICR Mass Spectrometry for Improvement of Data Reliability. Analytical chemistry 2015. DOI: 10.1021/acs.analchem.5b02114.
[3] Smit, E.; Rüger, C. P.; Sklorz, M.; Goede, S. de; Zimmermann, R.; Rohwer, E. R. Investigating the trace polar species present in diesel using high resolution mass spectrometry and selective ionization techniques. Energy Fuels 2015, 150827122347008. DOI: 10.1021/acs.energyfuels.5b00831.
This information has been sourced, reviewed and adapted from materials provided by Bruker Daltonics.
For more information on this source, please visit Bruker Daltonics.
Bruker Daltonics. (2021, January 14). Coupling Thermal Analysis with APCI MRMS to Characterize Petroleum Samples. AZoM. Retrieved on January 16, 2022 from https://www.azom.com/article.aspx?ArticleID=17768.
Bruker Daltonics. "Coupling Thermal Analysis with APCI MRMS to Characterize Petroleum Samples". AZoM. 16 January 2022. <https://www.azom.com/article.aspx?ArticleID=17768>.
Bruker Daltonics. "Coupling Thermal Analysis with APCI MRMS to Characterize Petroleum Samples". AZoM. https://www.azom.com/article.aspx?ArticleID=17768. (accessed January 16, 2022).
Bruker Daltonics. 2021. Coupling Thermal Analysis with APCI MRMS to Characterize Petroleum Samples. AZoM, viewed 16 January 2022, https://www.azom.com/article.aspx?ArticleID=17768.
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Over the years advertising has changed a lot, and it continues to change and advance. It all started with a word of mouth, advancing to paper, carton and plastic, further to TV and radio, and finally digital advertising. One form of advertising that remains stable, trustworthy, and timeless is advertising via banners.
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In his short life, the Guyanese intellectual Walter Rodney emerged as one of the leading thinkers and activists of the anticolonial revolution, leading movements in North America, South America, the African continent, and the Caribbean. In each locale, Rodney found himself a lightning rod for working class Black Power. His deportation catalyzed 20th century Jamaica's most significant rebellion, the 1968 Rodney riots, and his scholarship trained a generation how to think politics at an international scale. In 1980, shortly after founding of the Working People's Alliance in Guyana, the 38-year-old Rodney would be assassinated.
In this classic work published in the heady days of international black power, Groundings with My Brothers details the global circulation of emancipatory ideas, but also offers first-hand reports of Rodney's mass movement organizing. Introduced and contextualized by leading Caribbean scholar-activists, this updated edition brings Rodney's legacy to a new generation of radicals.
Walter Rodney was an internationally renowned historian of colonialism and a leader of Black Power and Pan-African movements across the diaspora, most notably the Guyanese Working People's Alliance. His life and work brought together struggles for independence on the African continent with the strivings of the black working classes of North America and the Caribbean basin. On June the 13th, 1980, Rodney was assassinated, most likely by the then-president of Guyana. He was 38 years old.


Mandy (she/her, they/them) is a proud genderqueer member of the LGBTQ2S+ community. Originally from Northern Ontario, she has lived in Ottawa for the past three years. Mandy's background includes event management, social enterprise, working with adults on the Autism Spectrum, and horticulture.
Currently, Mandy works for an environmental non-profit, conducting outreach and coordinating events that helps people and organizations to lower their environmental impact. She also volunteers at a vegan farm sanctuary and advocates for animal rights.
Mandy joins the Board of Directors with a goal of celebrating and advocating for the queer community in the National Capital Region in a meaningful and inclusive way.


WASHINGTON, D.C. — Although the ongoing war in Afghanistan has shifted the softwood lumber dispute into the shadows, the U.S. has taken steps toward reaching a settlement.
Former Montana governor, Marc Racicot, was asked to be a special envoy to try to broker a deal with Canada to put an end to the softwood saga.
Commerce Secretary, Donald Evans, says that Racicot is an ideal candidate because he is familiar with the industry.
"This dispute has endured for decades and it's our hope that, with the governor's help, we can achieve a lasting market-based solution," says Evans.
Rodney Moore, a spokesman for the Canadian Embassy in Washington, welcomed the move.
"It indicates to us the high level of importance that the Bush administration places on the softwood lumber trade," says Moore.


text:
Families USA says 89.6 million lacked health insurance in 2006-2007
89.6 million lacked health insurance in 2006-7
Those under 65 had no coverage for at least part of the time, group says
Updated: 7:46 p.m. ET Sept 20, 2007
WASHINGTON - More than one-third of the U.S. population under the age of 65 went without health insurance for all or part of the last two years, a consumer group said on Thursday.
The nonprofit Families USA group used data from last month's U.S. Census Bureau report that found 47 million Americans went without health insurance for all of 2006.
Families USA broke down that figure and calculated that 89.6 million people under age 65 — 34.7 percent — went without health insurance at some point during 2006-2007. It used a projection for the remaining months of this year.
After age 65, Americans become eligible for Medicare, the state-federal health insurance plan for the elderly.
"The huge number of people without health coverage over the past two years helps to explain why health care has become the top domestic issue in the 2008 presidential campaign," Ron Pollack, executive director of Families USA, said in a statement.
"The expansion of health coverage in America is no longer simply a matter of altruism about other people but a matter of intense self-interest."
RISING COSTS
In the United states, an employer generally supplies health insurance. But rising costs mean fewer employers are offering this benefit.
Budget crunches mean states have tightened eligibility for programs such as Medicaid, the public insurance plan for the poor and disabled, and for programs covering children.
Surveys also suggest that many of those going without insurance are middle-class and employed.
The Families USA report found that nearly two-thirds of people who lacked coverage at some point went uninsured for six months or more, and half went uninsured for nine months or more.
Texas had the most people without insurance — 45.7 percent of the non-elderly population.
The report found that more than 79 percent of those without insurance were in families in which at least one person had a job, 70.6 percent were themselves employed full-time, and 8.7 percent were employed part-time.
"The number of uninsured has reached crisis proportions that must be addressed by the President and Congress to ensure that health coverage is available and affordable for all," Pollack said.
Health insurance is a major topic of the 2008 presidential election campaign, with virtually every candidate offering a plan. Various nonprofits, big employers, unions and other groups are also proposing plans to cover more people.
(c) Reuters 2007. All rights reserved.
Here are some my views on Health Care in America:
"2008 Race to the White House - Is U.S. Health Care a Priority?"
"Dear ABC, 20/20, and John Stossel...please...PLEASE!!!...'Give ME a Break!'"
"Single-Payer Health Coverage - Scary Boogey Man or Super Process-Improvement Force in Health Care Reform?"
"To Govern or Not to Govern...That is the Health Care Debate Question"
"Who spent $83,959,239 in 6 months to 'educate' policy-makers and the public!!"
ADDITIONAL ARTICLES ON HEALTH CARE by REUTERS
Part 1: When staying alive means bankruptcy
Part 2: Devil's in the details of Mass. reform
Part 3: Universal health insurance on the horizon?
Experts answer readers' questions
Persistence wins health care battles, readers say
How to save thousands on your health care
Facts on the Massachusetts law
Q&A with the head of the Mass. plan
What insurers don't want you to know
Labels: Health Policy - Insurance
The Scary 'S' Word
Entrepreneurs and Revolutionists
Biogen and Johns Hopkins enter collaboration
Families USA says 89.6 million lacked health insur...
Senate Passes "Mental Health Parity Act of 2007"
Dear ABC, 20/20, and John Stossel... please...PLEA...
2008 Race to the White House - Is U.S. Health Care...
Questcor uses the Orphan Drug Act as a strategy to...
Single-Payer Health Coverage: Scary Boogey Man or ...


text:
Pop Minute - Photos - Videos - TV Tonight
Past Popular News & Videos - Page 401:
Britney Booed After She's Caught Lip-synching ...
Britney Spears was booed mercilessly by fans after being caught lip-synching during what was supposed to be a 'live' performance.
First Look At FOX's 'Sarah Connor Chronicles' ...
Here's your first look at 'Sarah Connor Chronicles', currently slated to be on FOX's spring TV schedule.
Full FOX' Primetime Schedule for 2007-08 ...
The full schedule released by FOX for the upcoming fall TV season (all times ET/PT).
Full CBS' Primetime Schedule for 2007-08 ...
The full schedule released by CBS for the upcoming fall TV season (all times ET/PT).
CBS Promises To Provide Closure For 'Jericho' ...
After CBS pulled the plug on post-Apocalyptic series "Jericho," devoted fans of the series expressed their outrage to the network in droves demanding that, if nothing else, CBS find closure for the series and it appears they have made their point.
Robert De Niro Gets Sued For Having Cancer ...
Robert De Niro has filed a motion against "Fireman's Fund Insurance" to dismiss a suit the company filed against him in 2006.
Michael Moore's Foe Doesn't Want His Money ...
Even when Michael Moore makes a nice gesture by anonymously offering a critic $12,000 for his wife's treatment, he's made out to look like the bad guy.
'Rambo IV' Feature Trailer Released ...
Your first look at 'Rambo IV', simply titled 'John Rambo'.
'Transformers' Final Theater Trailer Released ...
'Veronica Mars' Cancelled By The CW ...
It's a sad day for "Veronica Mars" fans.
Paris Hilton Can't Drive, So She Rides Her Bike ...
With Paris Hilton sentenced to 45 days in jail for violating her probation by driving with a suspended license, she's decided to go green.
Jane Fonda Gets Friendly with Stephen Colbert ...
Lost's Evangeline Lilly Interviewed On 'Kimmel' ...
Evangeline Lilly appeared on 'Jimmy Kimmel Live' following this week's episode.
Jessica Simpson And Eva Longoria Party Together ...
Jessica Simpson and Eva Longoria partying it up in a Las Vegas nightclub.
Paris Hilton Fans Send Letter To Schwarzenegger ...
Paris Hilton's fans have sent an open letter to Governor Arnold Schwarzenegger.
Robert Rodriguez May Direct "Jetsons" Movie ...
"Grindhouse" might have done poorly at the box office, but director Robert Rodriguez is very much in demand.
Lindsay Lohan Caught Snorting Cocaine ...
Lindsay Lohan has been allegedly caught snorting cocaine with two friends in a the bathroom of a club, during a wild night on the town.
Japanese Audience Warned "Babel" May Make You Sick ...
A Japanese distributor says in its national newspaper advertisements that watching "Babel" could make viewers feel ill.
"Lost" To End After Three More Seasons ...
The end date has been set for ABC's island mystery drama 'Lost', but you will have to wait until 2010 for all the answers.
Spider-Man 3 Behind The Scenes Videos ...
With Spider-Man 3 opening today across North America, we've put together some videos featuring behind the scenes footage from the highly anticipated movie.
David Hasselhoff Drunk Video Leaks Out ...
A videotape made by David Hasselhoff's daughters shows the recovering alcoholic falling off the wagon, but the actor says that he is doing much better since it was made.
Iron Man Mark III Suit Finally Revealed ...
We reported in October of last year that Robert Downey Jr. was cast to star In 'Iron Man'. And now, we've got your first look at the cybernetic suit.
Salma Hayek Won't Be Back On 'Ugly Betty' ...
'Ugly Betty' fans may be wondering now that executive producer Salma Hayek is pregnant in real life, will her character of Sofia Reyes announce she's pregnant with Daniel Meade's child?
Cast Of 'Heroes' On 'Larry King Live' ...
The cast of NBC's Heroes stopped by 'Larry King Live'.
Lohan Plans To 'Milk It' Once She's 21 ...
Lindsay Lohan won't be satisfied with a cake and some candles when she turns 21.
April Bowlby's Forensic Scene On 'Men' ...
April Bowlby as she practices a script from a scene on 'Two and a Half Men'.
Natalie Portman Starts Off May On 'The View' ...
Natalie Portman started off May on 'The View', as she was a guest on Tuesday's edition of the show.
George Bush Thanks 'American Idol' Viewers ...
President Bush and his wife, Laura, thanked "American Idol" viewers for helping raise $70 million during last week's charity special, "Idol Gives Back."
Ninel Conde Gets Felt Up At Latin Awards ...
Ninel Conde gets felt up at the Billboard Latin Awards.
New Photos From 'Shrek the Third' ...
New photos from the production of the latest Shrek feature, 'Shrek the Third'.
Paris Hilton Nude Sculpture On Display To 'Educate' ...
An anti-drunk driving Public Service Announcement titled "Paris Hilton Autopsy" has been created by artist Daniel Edwards.
Bart Simpson To Bare All In Upcoming Movie ...
In what is sure to be the unlikeliest of nude scenes, Bart Simpson will go full frontal in his upcoming feature film.
Hugh Grant Arrested For 'Baked Beans Attack' ...
Hugh Grant has been arrested and questioned by police after a photographer accused the actor of attacking him with a tub of baked beans.
April Bowlby On 'Two And A Half Men' ...
April Bowlby as Kandi in a scene from an episode of 'Two And A Half Men'.
Scarlett Johansson On Saturday Night Live ...
Scarlett Johansson was on this weekend's SNL.
Sandler Talks About Playing Gay In New Film ...
Adam Sandler says there's a moral to his upcoming movie, in which he plays a heterosexual fireman who pretends to be gay.
'Order of the Phoenix' International Trailer Is Out ...
The extended version of official trailer for Harry Potter's 'Order of the Phoenix' is finally out!
Will The New Incredible 'Hulk' Be Grey? ...
Last week we reported that Edward Norton would be taking on the role of Bruce Banner aka The Incredible Hulk in the 2008 version of the 2003 movie that didn't do so well.
Heroes Returns Tonight, Special Preview ...
Heroes returns tonight, Monday, 9 PM EST on NBC with its 19th episode of the season, titled ".07%."
Lindsay Lohan's Gmail And MySpace Accounts Hacked ...
Lindsay Lohan's Gmail and MySpace accounts have been hacked into and the hacker has put out some of the findings for all to see.
Baldwin Calls 11-Year-Old Daughter "Thoughtless Little Pig" ...
The bad blood between Alec Baldwin and Kim Basinger has erupted again as an angry phone message from Baldwin to his daughter has leaked into the public. On the recording, Baldwin can be heard berating his 11-year-old daugther, Ireland, "You are a rude, thoughtless little pig."
Lost: Kate Jumps Sawyer In The Tent ...
Scene from last night's episode of 'Lost' titled 'Catch 22'.
Lost: Sawyer Walks In On Kate ...
Edward Norton Is The New 'Incredible Hulk' ...
Edward Norton is set to star in the new 'Incredible Hulk' film.
Masi Oka: The Unlikely Star of NBC's 'Heroes' ...
He's one of the breakout stars of this television season. But before his Golden Globe-nominated turn as Hiro Nakamura, the tech geek turned rudimental superhero on "Heroes," Masi Oka almost gave up acting.
Hillary Clinton Asked About 'Idol' Malakar ...
Under-talented "American Idol" contestant Sanjaya Malakar is even getting the attention of presidential candidates these days.
Charlie Sheen And 'Rose' Woman Settle Lawsuit ...
Charlie Sheen has settled a lawsuit against him filed by a woman who claimed that one of the characters on his hit TV show "Two and a Half Men" was based on her.
New Photos From Fantastic Four: Rise of the Silver Surfer ...
Some great new photos from "Fantastic Four: Rise of the Silver Surfer." It is set to be released on June 15th, 2007.
New Flash Gordon Series Lands on Sci Fi ...
Eric Johnson of "Smallville" fame is headed to outer space as Flash Gordon.
Green Arrow Movie Gets The Green Light ...
It appears that Green Arrow will soon be the latest in a long line of comic book heroes to make it to the big screen.
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