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In Session 1: Episode 10, David Wilcock and Corey Goode discussed the importance of the Pineal Gland which is the source of neuro-melanin. Egyptian pharoahs wore two snakes on their crowns to show that they were enlightened. The snakes represented the energy that rises through the spine and ignites in the Pineal Gland. "Melaninated people" are people who have melanin in the skin -- giving them various shades of color. However, everyone has some degree of neuromelanin.
The concept of the two "snakes" of energy rising through the spine to the crown chakra is depicted in the caduceus, the symbol of Western medicine. However, its vital significance for consciousness is never explained!
Amazon says about the book Dark Light Consciousness: Melanin, Serpent Power, and the Luminous Matrix of Reality by Edward Bruce Bynum, Ph.D.,
"Within each of us lies the potential to activate a personal connection to the superconscious. Called "Ureaus" in ancient Egyptian texts and "Kundalini" in ancient Hindu yoga traditions, our innate serpent power of spiritual transcendence inhabits the base of the spine in its dormant state. When awakened, it unfurls along the spinal column to the brain, connecting individual consciousness to the consciousness of the universe enfolded within the dark matter of space. At the root of creativity and spiritual genius across innumerable cultures and civilizations, this intelligent force reveals portals that enfold time, space, and the luminous matrix of reality itself.
Combining physics, neuroscience, and biochemistry with ancient traditions from Africa and India, Edward Bruce Bynum, Ph.D., explores the ancient Egyptian science of the Ureaus and reveals how it is intimately connected to dark matter and to melanin, a light-sensitive, energy-conducting substance found in the brain, nervous system, and organs of all higher life-forms. He explains how the dark light of melanin serves as the biochemical infrastructure for the subtle energy body, just as dark matter, together with gravity, holds the galaxies and constellations together."
New Earth!
Raise Your Consciousness!
PREPARE FOR THE SOLAR FLASH (2028-2029)
The Cosmic Disclosure show is hosted by triple New York Times best-selling author David Wilcock and began airing in mid-2015. Corey Goode is a Secret Space Program whistleblower who has a security clearance 35 levels above the US president and is the main guest on the show.
Corey explained that smaller flashes have started and will continue until the "big event" which is expected in 2028-2029. It is not known if the Solar Flash with be a Coronal Mass Ejection "Kill Shot" that destroys civilization, a minor disruption, or an "Ascension Event". The outcome of the Solar Flash will be determined by the Mass Consciousness. So, each of us is now creating the reality we are going to experience collectively.
Corey was not surprised that Mass Consciousness is going to affect the Solar Flash, but was surprised by how important it is. Corey pointed out that viewers of the Cosmic Disclosure show can help plant key ideas because they are more focused than many people. Corey said that there are two main ways to raise consciousness: Be "51% Service to Others" and to Focus on a Positive Outcome for the event.
Now is a key "Window of Opportunity" for each of us to raise our consciousness. Corey said that a very small number of people can act as a rudder for the collective consciousness. Since viewers of the Cosmic Disclosure show have more power in their co-creative abilities, they can focus on planting seeds in the group consciousness. Corey stressed that every single person is important. There is no one more special than another. Corey said it is very important to exert ourselves to get Full Disclosure.
In Season 8, Viewer Questions #11 "Preparing for Ascension" and in Season 10 on May 15, 2018, Viewer Questions #13 "New Future for Humanity" indicate that viewers of the Cosmic Disclosure show would like more specifics on how to raise their consciousness. They also want ways to share the information from the show with family and friends who may not be ready to watch the show.
This Cosmic Disclosure Help site responds to these requests in several ways. The Key Figures and Main Topics sections of the site allow new viewers to catch up quickly. The Seasons section provides links to each Season and every Episode since the show began in mid-2015!
See Shows For Free! provides links to three shows each month in the Extras section to give people a way to watch shows to see if they want to commit to the $10 a month on Gaia or Amazon Prime to support the courageous work of host David Wilcock and his guests. Note: The Cosmic Disclosure show is the ONLY place that provides Full Disclosure now!
PREPARE FOR OUR SEAT ON THE SUPER FEDERATION COUNCIL
In Season 10: Episode 2, Corey reported that, for the first time in our history, humanity has been given a seat on the Super Federation Council! Corey will serve as Ambassador for Earth and our Solar System. Corey first met Micca, the Olmec Ambassador (shown below). In December, he met the other 51 Ambassadors for the Solar Systems in our Local Star Cluster. The other Solar Systems in our Local Star Cluster are Fourth Dimensional cultures.
Corey said in Season 10: Episode 13 in May 2018, that when the Super Federation Council starts meeting, Earth will be represented by people from different regions who will serve on a rotating basis. Corey explained that the other Solar System Ambassadors are human and look enough like us to go undetected on Earth. They are here now getting to know us better so they will know best how to help us. For example, the Ambassadors who look more Asian are going to Asia.
Corey explained that there will be many opportunities for trade. However, we will be kept isolated until we evolve into a galactic civilization. This is another reason to raise our consciousness now! He said we are going through a "Great Awakening" now and can expect to experience a Consciousness Renaissance!
EASY STEPS TO RAISE YOUR CONSCIOUSNESS!
The Cosmic Disclosure Help site provides the following easy ways to raise your consciousness now!
These steps were inspired by the following concepts presented in the Cosmic Disclosure show.
UBUNTU: In Season 3, the Cosmic Disclosure show invited Michael Tellinger, author of Ubuntu Contributionism, on the show for Episodes 3 and 9. Corey said that the Secret Space Program is excited about using the concept of Ubuntu (cooperation vs. competition) to replace capitalism which is proving so divisive and destructive of the Earth.
ANCIENT EGYPTIAN WISDOM: David pointed out in Season 3: Episode 7 that The Law of One says that a mistake was made in giving wisdom to the ancient Egyptians because it was later corrupted by the Illuminati/Masons. So, that wisdom must now be restored.
THE PINEAL GLAND: In Season 1: Episode 10 David and Corey discussed the Importance of the Pineal Gland. 📷
FOUR AUTHORS RECOMMENDED FOR COSMIC DISCLOSURE SHOW
The Cosmic Disclosure Help site recommends the following 4 authors for the Cosmic Disclosure show to further the understanding of Ubuntu, to facilitate the recovery of ancient Egyptian wisdom, and to extend the discussion of the importance of the Pineal Gland.
Dr. Edward Bruce Bynum discusses the key role of the Pineal Gland in Enlightenment in his books and YouTube videos. He explains the many wonders of Melanin -- which functions on the cosmic level, in the environment (as coal/oil/diamonds), and our bodies and brains. It is the release of Melanin by the Pineal Gland that produces Enlightenment.
Archbishop Desmond Tutu, who first introduced Ubuntu to the West, says that there can be no Ubuntu without Reconciliation. President Nelson Mandela appointed Archbishop Tutu as Chairman of the Truth and Reconciliation Commission in South Africa. See the example of growing Reconciliation around the world and in America shown below and on the site. These are key to the successful adoption of Ubuntu. The site also recommends a UN Year of Reconciliation in 2024 to end the 500+ years of colonialism and neo-colonialism that have so plagued the Western Hemisphere, Africa, and other parts of the world.
Dr. Muata Ashby shows in his book Ancient Egyptian Economics that Ubuntu is part of the ancient Egyptian Principles of Ma'at which initially are deceptively simple, but are incredibly profound. They describe the basis for the order of the cosmos, world, and society, as well as the means for personal Enlightenment and an enlightened culture. These principles kept ancient Egypt stable, prosperous, and the light of the world for thousands of years!
Peter Gandy is the co-author of The Hermetica: The Lost Wisdom of the Pharoahs! In his book and in the YouTube video linked to on the site, Gandy explains that when The Hermetica was introduced to Europe in the 15th century, it fueled the Renaissance and Protestant Reformation. Franciscan Friar Giordano Bruno loved the Egyptian wisdom so much that, even after 8 years of torture by the Catholic Church, he said he would rather die than live without it! He was burned alive at the stake and his huge stature now stands facing the Vatican! Bruno felt that the Egyptian philosophy could unite Christians, Jews, and Muslims -- something that is greatly needed today!
Dr. Edward Bruce Bynum, Archbishop Desmond Tutu, Dr. Muata Ashby, Peter Gandy
SUPPORT GROWING RECONCILIATION STEPS
The Cosmic Disclosure Help site shows several ways in which Reconciliation has begun around the world and in America. These include the National Memorial for Peace and Justice, a slavery and lynching memorial, which opened in Alabama in April 2018. Bryan Stevenson is the lawyer who founded the Equal Justice Initiative, the nonprofit organization behind the memorial. He says that slavery did not end -- it morphed into lynchings, Jim Crow, segregation, and mass incarceration today. Stevenson says there can be no Reconciliation without Truth.
Another step toward Reconciliation is demonstrated by the Democracy Now show which hosted Professor Craig Steven Wilder, author of Ebony and Ivy: Race, Slavery and The Troubled History of America's Universities. The show also invited Katrina Browne who created the film "Traces of the Trade" when she discovered that her family, the DeWolfes of Connecticut, had been the largest slave-holding family in America. They brought over 10,000 people from Africa -- who now have about 500,000 descendants! Professor Wilder pointed out that Americans seem willing and able to deal with these issues now.
SUPPORT END OF 500+ YEARS OF NEO-COLONIALISM: This step is increasingly being supported now as a growing number of cities have stopped celebrating "Columbus Day". A lot more must be done to address the ongoing wrongs to the 500 Native American Nations. Adoption of the correct World Map is key to an accurate understanding of the Earth.
SUPPORT UN YEAR OF RECONCILIATION 2024: This site proposes that there be a UN Year of Reconciliation in 2024 to end the Dark Age of the 500+ years of colonialism and neo-colonialism that still plague the Western Hemisphere, Africa, and much of the rest of the world.
SUPPORT RETURN OF THE COMMONS: The Goldman Environment Prize, the world's largest award for grassroots environmental activists, is presented each year to honor environmental heroes from Africa, Asia, Europe, Islands & Island Nations, North America, and South & Central America. They are selected for their sustained, significant efforts to protect and enhance the natural environment, often at great personal risk. They work on projects that include shutting down destructive mines, cleaning up toxic waste sites, restoring clean water for their communities, safeguarding our ocean's resources, saving an endangered species, and protecting virgin forests.
They are achieving a Return of the Commons – restoring recognition of the fact that clean air, water, and access to arable land are rights that belong to everyone and cannot be confiscated for private profit!📷
UNDERSTAND THE IMPORTANCE OF THE PINEAL GLAND: Western civilization is the only major culture for which Enlightenment has not been the goal! Although the Caduceus is the symbol of Western medicine, it is never explained that it shows the rising Kundalini energies (as snakes) meeting in the Pineal Gland where Melanin is released and the person becomes Enlightened (as shown by the wings). The East Indian Chakra System is a very valuable tool for Enlightenment, but is not taught in the West. Why is this essential information hidden from us? 📷
SUPPORT UN YEAR OF ENLIGHTENMENT 2026: This site recommends that there be a UN Year of Enlightenment in 2026 to encourage the discussion of the importance of Enlightenment including understanding the Chakras, Kundalini, the Caduceus, the Pineal Gland, and Melanin.
UNDERSTAND THE SHIFT OF THE AGES: The East Indian Yugas Cycle shows that we have been in the Dark Age (aka Material Age) of Kali Yuga for the last 2,400 years since the fall of ancient Egypt. We are moving now into the Energy Age (aka Mental Age) of Dwapara Yuga which involves a higher level of consciousness. Joseph Selbie is co-author of The Yugas: Keys to Understanding Our Hidden Past, Emerging Present and Future Enlightenment. A video linked to on the site provides a brief introduction. 📷
See the following pages:
Books/DVD in the Extras section for frequently-updated suggestions.
Show and Site Map in the Introduction section for an overview of the key topics.
Chart: Steps to An Enlightened New Earth! in the Guests section.
Demand Full Disclosure!


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    Stander Y, Marais D, Botha I. Trading strategies with copulas[J]. Journal of Economic and Financial Sciences, 2013, 6(1): 83-107. Online Copy

    Hanson T A, Hall J R. Statistical arbitrage trading strategies and high-frequency trading[J]. 2012.  Online Copy

    Mahfoud M, Michael M. Bivariate Archimedean copulas: an application to two stock market indices[J]. BMI Paper, 2012.  Online Copy

    Rad H, Low R K Y, Faff R. The profitability of pairs trading strategies: distance, cointegration and copula methods[J]. Quantitative Finance, 2016, 16(10): 1541-1558.online copy

    Mahfoud M, Michael M. Bivariate Archimedean copulas: an application to two stock market indices[J]. BMI Paper, 2012.  Online Copy

    LANDGRAF N, SCHOLTUS K, DIRIS D R B. High-Frequency copula-based pairs trading on US Goldmine Stocks[J]. 2016.

    Genest, C. and MacKay, J., 1986, The Joy of Copulas: Bivariate Distributions with Uniform Marginals, The American Statistician, 40, 280-283

    Jean Folger, Pairs Trading Example  Online Copy

    Xie W, Wu Y. Copula-based pairs trading strategy[C] Asian Finance Association (AsFA) 2013 Conference. doi. 2013, 10.

    Liew R Q, Wu Y. Pairs trading: A copula approach[J]. Journal of Derivatives & Hedge Funds, 2013, 19(1): 12-30.

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TV News, Interviews, and Reviews
'Glee' season 5 song spoilers: Hear Adam Lambert, Demi Lovato perform again
Adam Lambert, Demi Lovato, Glee	 March 2, 2014
"Glee" is really doing everything that it can to take advantage of having Adam Lambert in their cast; after all, we're going to see a number of different performances from him in Tuesday night's new episode "Trio."
What is the one that we're highlighting today? Think along the lines of "The Happening." This is a fun, energetic number that we're highlighting here that features primarily Adam, Chris Colfer (Kurt), and the return of Demi Lovato as Dani. The actress really has not had nearly as much to do on the show as we and so many others thought that she would going into this. As a matter of fact, we're still not quite sure that there has even been a story explanation for her hair suddenly turning another color.
Given that Demi is now out on tour with Fifth Harmony, we have a pretty hard time imagining that she was available to really record any further performances or shoot episodes beyond what is immediately coming up. While it is still technically a mystery as to just what happened to her character, we don't think that anyone really felt like the Dani character was going to be on the show for that long to begin with.
In going back to this particular performance, though, it's a ton of fun. It's very different from some of the rock songs that Adam has been doing on the show as of late, and we know already that Starchild will have another musical number in this episode that really plays out that part of his personality. (We'll have a little bit more on that song very soon.)
What do you think about this performance? Be sure to share your thoughts below, and also click here if you want to see some more news on the upcoming Nationals episode "City of Angels."
For some other great news worth singing about sent straight to your email inbox, we suggest now just signing up for our CarterMatt Newsletter.
Photo: Fox
Love TV? Be sure to like CarterMatt on Facebook for more updates!
atigrace
March 3, 2014	@ 3:09 pm
I totally agree. Kurt is definitely a good actor, a character we adore, & he can carry a tune, but him singing next to Lambert, only highlghts Chris's run of the mill singing talents. Adam blows Chris's singing out of this world. I've never researcherd this, but I would bet that the songs Chris sings as far back as season 1 of Glee,, fans are not racing to itunes to buy & downloads the songs Chris sings. Darren Criss is still hands down, the most talented cazt member. I would also bet (& I'm not a gambler) that the songs sung by Darren Criss are bought & downloaded a heck of a lot more by fans, than all the rest of the of the Glee cazt members combined. I certainly hope there will be at least a few songs sung bLambert & Criss. That would be incredible to see
Ovationimpact
March 3, 2014	@ 6:42 am
What is interestng listening to these new song is how Adam has the ability to glide into different singing levels to balance his duets. What a talent.
Matt thanks for the article. But there will be four songs Adam is featured in next week. Barracuda (ROCK), The Happening, Gloria and one more. He sounds amazing in the first three songs especially Barracuda.
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Relive the Apollo 11 mission in real-time with NASA's interactive experience
Tammy Rivera- Malphurs and Jazmin Meredith talk 'When Women Succeed' Tour
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USWNT defend themselves amid criticism over 13-0 win against Thailand at Women's World Cup
By Gabrielle Moreira
Video Posted Jun 12 2019 05:26PM EDT
USWNT players hug after scoring another goal during their match with Thailand at the Women's World Cup in France on June 11, 2019. (Photo by Robert Cianflone/Getty Images)
LOS ANGELES - After the USWNT defeated Thailand with a record-breaking 13-0 win in the Women's World Cup, the team faced criticism for the crushing defeat.
Some people, including Canadian broadcasters, took to social media to condemn Team USA for celebrating after every goal. Kaylyn Kyle, a Canadian sportscaster and former Canadian team player, said it seemed "excessive and disrespectful" for the team to continue celebrating after reaching eight goals.
This is the last I will comment on this issue.
💕 Kay pic.twitter.com/EsrYxFmDkQ
— Kaylyn Kyle (@KaylynKyle) June 11, 2019
While Kyle agreed that the team should "score as many goals as you can in a World Cup," others thought scoring 13 goals was too much.
the goal celebrations of #USWNT at 9-0, 10-0, 11-0 are so overboard. Why are they even trying to score anymore. I'm on #teamthailand at this point
— Jeff Paterson (@patersonjeff) June 11, 2019
Former USWNT player Hope Solo wrote an op-ed in The Guardian questioning the goal celebrations.
"It was tough for me to watch some of the U.S. goal celebrations - which have come under criticism - considering the scoreline," she wrote. "You do want the game to be celebrated and you do want to see players having fun but at the same time I thought some of the celebrations were a little overboard."
She added that a few seemed "planned out" and offered insight into how Thailand's goalkeeper must feel after 13 goals got past her.
"I would love to give some advice on how to deal with it but really you just have to suffer. Struggle helps us grow in life and soccer is similar," she said.
In the end, Solo said despite the team's major win, the question of whether USWNT has a sound defense when they're up against stronger teams remains.
Alex Morgan, who scored five goals during the match, eventually responded to the criticism and said "every goal counts." Morgan continued her defense of the game, saying it was important to keep scoring in case goal differentials came into play in the group stage.
After the match, the Thailand players were in tears, but Morgan and Carli Lloyd went and comforted some of those players. Solo called these moments classy in her op-ed and said these were a "far better expression of what the U.S. team are about."
RELATED: Women's World Cup basics for people who don't watch soccer
Coach Jill Ellis said her team showed Thailand respect and wondered if a 10-0 victory in a men's World Cup would spark the same reactions.
"This is a world championship, so every team here has been fantastic to get to this point. And I think that to be respectful to opponents is to play hard against opponents, and as Alex said, it's a tournament where goal differential is important," Ellis said.
Thailand's coach Nuengrutai Srathongvian said the team was disappointed because they wanted to make an impression in their first match, but added the team will be fine.
"Yes, they are all athletes and they will be resilient. We've got two more games to play and we need to bounce back," Srathongvian said through a translator.
Srathongvian said soccer in Thailand is still growing and there is a limited pool of players to draw from.
The World Cup comes at a time when female players across the globe are seeking better treatment, conditions and pay. Many teams, such as Jamaica and Thailand, receive funding from private benefactors.
RELATED: The U.S. Women's National Team has slayed the WWC before, and they might do it again
The U.S. national team has long championed equal rights, and players collectively filed a lawsuit earlier this year that alleges discrimination by the U.S. Soccer Federation and are seeking pay equitable with that of the men's national team.
The players say the lawsuit is on hold while they're in France.
After Thailand's defeat, people also took to Twitter and said the victory is another reason for USWNT to receive equal pay.
PAY THESE WOMEN AS MUCH AS THE MEN #USWNT
— Molly Knight (@molly_knight) June 11, 2019
Since when is celebrating goals in a World Cup "disgraceful"? The only thing people should be mad about is the huge gender pay gap that still exists in sports I'm shocked by how much more coverage there is on how much they celebrated than the actual records that they beat #USWNT
— Hajar Abdessamie (@hajarabdess) June 12, 2019
During the match, not only did the team break the record for the most lopsided victory in the history of the Women's World Cup, but Morgan tied the single-game record set by Michelle Akers in 1991.
USWNT plays against Chile – who are also making their World Cup debut – on June 16.
More World Cup Stories
Secret brand deodorant donates $529,000 to US women's soccer team
Procter & Gamble, a sponsor of the U.S. Women's National Soccer Team, is now supporting its members' fight for equal pay.
The company, which supports U.S. soccer through its Secret deodorant brand, says it will donate $529,000 - $23,000 for each of the 23 players on the U.S. team that won the World Cup earlier this month - to help close the pay gap. The sponsor took out a full-page ad printed in The New York Times on Sunday urging the U.S. Soccer Federation to "be on the right side of history."
"Let's take this moment of celebration to propel women's sports forward," Secret says in the ad. "We urge the US Soccer Federation to be a beacon of strength and end gender pay inequality once and for all."
World Cup champions and their fans celebrate in New York
By FOX 5 NY STAFF , STACEY DELIKAT
Members of the U.S. women's soccer team waved from floats as fans cheered during a victory parade up the Canyon of Heroes in Lower Manhattan Wednesday.
'Ticker-tape' - named for the long strands of ticker tape that used to be showered down from office buildings, but has since been replaced with paper confetti-- rained down on the FIFA Women's World Cup champions.
Co-captain Megan Rapinoe and her teammates shared a float with Mayor Bill de Blasio and U.S. Soccer Federation president Carlos Cordeiro. Rapinoe struck her now-famous victory pose, took a swig of Champagne and handed the bottle to a fan.
Senator introduces bill to withhold 2026 World Cup funds until USWNT paid equally
Democratic Sen. Joe Manchin, of West Virginia, introduced a bill Tuesday that would prohibit federal funds from being used for the 2026 World Cup unless the men's and women's national teams are paid equally.
Manchin's office issued a press release stating that the senator was inspired to create the bill after receiving a letter from Nikki Izzo-Brown, head coach for women's soccer at West Virginia University.
"The clear unequitable pay between the U.S. men's and women's soccer teams is unacceptable and I'm glad the U.S. Women's Soccer Team's latest victory is causing public outcry," Manchin said in a statement. "They are the best in the world and deserve to be paid accordingly."
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TV series: are you an addict, an expert or clueless?
One of the nicest ways to pass the dark winter nights is to draw the curtains, curl up on the sofa and watch your favorite TV series. With the popularity of Netflix, HBO and other on-line streaming sites the choice of series is huge.
Do you like to watch an episode a week or are you a binge watcher? Do you have to get your "fix" or do you prefer to space your viewing out over a few weeks?
Whatever your preference, TV series culture is now an essential part of our "general knowledge" necessary for everyday conversations. So don't be left behind, this quiz will help you to swot up on important plots and themes so that you can dazzle your colleagues during those workplace coffee breaks.
TV series are a great way to learn English. You hear everyday vocabulary, a wide variety of accents and enjoy great stories at the same time.
At first it might seem just far too difficult to understand what's going on, but try these tips to help you improve your listening skills.
(i) Don't expect to understand every word. Many of the actors do not speak clearly because it's part of the character they're playing. Either they mumble their words or they speak with a strong regional accent....so don't worry if you only catch half of what they are saying.
(ii) At first watch just 15 minutes, pause the programme and make a note of what you have understood from the images and then return to the story. Keep watching out for clues which will help you to understand.
(iii) Watch the episode as many times as you like until you have a better understanding. Be like a young child watching their favorite programme again and again.
(iv) "Prepare" the vocabulary that you think will be in the story. Before you watch think which words you may hear.
(v) If you are really stuck, activate the subtitles in English for a short time.
(vi) RELAX AND ENJOY. It takes time to achieve a good level of comprehension in a new language, so .... take your time !!!
The most watched series ever is Game of Thrones which is known for its complicated plots, huge cast of characters and high number of corpses per episode.
One of the most memorable scenes from the series is known by fans as the Red Wedding. Do you remember who was murdered?
Ned Stark
Rob Stark
John Snow
Brandon Stark
Where does the award winning series House of Cards take place ?
We all know this well known character from Breaking Bad, but can you remember his pseudonyme ?
Fallenberg
MM (Meths Man)
What type of keepsake does this serial killer collect from his victims?
In which long running series was the main character shot by his sister in law ?
Which Clan, from the series Outlander, does this heart throb character belong to ?
Which lead character in a ground breaking series, which aired from 2001 to 2010, said "I haven't slept in 24 hours"?
Dexter Morgan
Dr. Shepard
Which current popular series is based on real life events and in which the actors bear an uncanny resemblance to the real people?
What is the main theme of the popular series 13 Reasons Why ?
Computer hacking
This series recounts the family life of gangs involved in organized crime in Birmingham at the turn of the 20th century. The nickname of this murderous gang is the Peaky Blinders. Why did they acquire this nickname ?
Because they lived in an area of Birmingham called The Peaks.
Because they blinded their victims with acid.
Because their family name was Blind.
Because they would sew razor blades to the inside of their flat caps to inflict wounds on their victims.
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Home / Home Page / Insurance ratio tilted against India's women
Insurance ratio tilted against India's women
3 min read . Updated: 30 Jun 2009, 11:43 PM IST Teena Jain
Insurance ratio tilted against India's women
New Delhi: It's an Indian woman's life, and less likely to be protected by insurance cover.
Data collected by Mint shows that women constitute 20-30% of total lives covered by the country's life insurers, including Life Insurance Corp. of India, or LIC, the largest insurer by premium collected.
There are many reasons put forward to explain why such a gender gap exists, from the fact that many Indian women are home-bound to their relatively low exposure to risks. "Indian society doesn't recognize the value of a woman. Importance is not given to a woman unless she is earning and therefore, when the question comes up for insurance, it is very difficult to get women insured," said S.B. Mathur, secretary general of Life Insurance Council, an umbrella body. "In group insurance schemes, however, the coverage of women is higher because the government pays the premium and they automatically get covered."
According to the 2001 census, there are 933 women per 1,000 males in India—48% of India's billion-plus population. In comparison, women had a lower weightage in a life insurance market of Rs2.2 trillion, or 4.4% of gross domestic product, at the end of March.
"In LIC, around 28% of total lives covered are women," said a senior official of LIC, who didn't want to be identified because he is not allowed to talk to media. "The figures have risen recently after women in metro cities started working, otherwise around five years back, the percentage was as low as 18-19%. Insurance penetration among women is not sufficient in India."
Coverage is low with private insurers, too. "Around 24% of our customers are women," said Gaurang Shah, managing director of Kotak Mahindra Old Mutual Life Insurance Co. Ltd. "Women do not come out so often, resulting in low penetration."
Rajiv Jamkhedkar, chief executive of Aegon Religare Life Insurance Co. Ltd, says, "Insurance coverage of women is relatively on the lower side...because financial matters are still decided by male members of the family. Currently, around 18% of total lives insured with us are women."
"Around one third of our customers are women and this number has shown increasing trend over last few years," said Debashis Sarkar, director, marketing, products and corporate affairs, with Max New York Life Insurance Co. Ltd.
LIC also offers Jeevan Bharati I, a policy designed for women, but there are few takers. "The response to Jeevan Bharati I is not quite encouraging," said another LIC official. "We have sold around 1 lakh policies so far." LIC now manages around 23 crore policies.
Jeevan Bharati is an insurance policy exclusively for women, and has a combination of endowment and mediclaim policies. Certain women-specific problems such as some critical illnesses are covered only under this policy.
"Women do not take only women-specific policies, they take other policies, too," said LIC managing director Thomas Mathew T. "We have 17 lakh self-help groups covering women. We are also planning to launch several women-specific policies in future."
LIC has a few group policies especially designed for women, such as Aanganwadi Karyakarti Bima Yojana and Janashree Bima Yojana (with add-on benefits for women). The latest report by a parliamentary committee on empowerment of women, which was presented in Lok Sabha and Rajya Sabha late last year, stated that "the response of intended beneficiaries to these schemes is far from promising". The report says the committee feels that either there is something amiss with the conceptualization of the scheme, or the government has not taken adequate measures to reach the targeted beneficiaries.
The report says there has been a decrease in the coverage of women under Janashree Bima Yojana, from 5,93,324 in 2004-05 to 4,78,050 in 2005-06. "Janashree Bima Yojana is meant for a head of the family, so insurance coverage for women is very low under the scheme," said an official in charge of group business, who didn't want to be identified because he is not allowed to talk to the media.


text:
Q: Input file no overriding file but append I have this form with a some input text and one of an input multiple file. The problem is that when loading another file after loading one or more files, the previously loaded files are overwritten by the last loaded.
This is the code for the form and the jquery code for the ajax call to the php file for manipulate the form data.

$('form#formNewChallenge').submit(function(e){
            $('#loaderDiv').removeClass('hidden-div');
            e.preventDefault();
            var form_data = new FormData(this);

            $.ajax({
                type: 'post',
                url: './function/insert_challenge.php',
                data: form_data,
                cache: false,
                contentType: false,
                processData: false,

                success: function (answ) {

                    let json = $.parseJSON(answ);
                    var title_max = 60;
                    var text_max = 90;

                    if(json == "TUTTO OK"){
                        $('#loaderDiv').addClass('hidden-div');
                        $('#alertNewChallenge').removeClass('hidden-div').addClass('alert-success').text('Grazie per aver inserito la challenge').show(0).delay(5000).hide(0);
                        $("#formNewChallenge").trigger("reset");
                        $('#inputTag').tagsinput('removeAll');
                        $('#uploadDoc').next('.custom-file-label').html("Carica documentazione");
                        $('#uploadPhoto').next('.custom-file-label').html("Carica una foto");

                        $('#count_title').html('0' + ' / ' + title_max);
                        $('#count_short_description').html('0' + ' / ' + text_max);

                        // $("#formNewChallenge")[0].reset();
                        //$('#uploadPhoto').val("");
                        // $('#uploadDoc').val('');
                        // $('#inputTag').val('');

                        $("div.has-success").removeClass('has-success');
                        $("input.form-control-success").removeClass('form-control-success');

                        location.reload();
                    }
                    else{
                        $('#loaderDiv').addClass('hidden-div');
                        $('#alertNewChallenge').removeClass('hidden-div').addClass('alert-danger').text(json).show(0).delay(5000).hide(0);
                    }
                }
            })
        });
$('#uploadDoc').on('change', function () {
            var fileName = [];
            fileName = $(this).val();

            const numFiles = $(this)[0].files.length;

            if(numFiles == 1)
                $(this).next('.custom-file-label').html(fileName.substring(fileName.lastIndexOf('\\') + 1, fileName.length));
            else
                $(this).next('.custom-file-label').html(numFiles + ' files caricati');
        })
<link href="https://maxcdn.bootstrapcdn.com/bootstrap/4.0.0/css/bootstrap.min.css" rel="stylesheet"/>

<form action="" id="formNewChallenge" enctype="multipart/form-data">

                                                    <input onchange="checkTitle(this);" type="text" id="inputName" name="nome" class="form-control" placeholder="Nome Challenge">

                                                    <textarea onchange="checkTitle(this);" id="inputShortDescription" rows="6" name="shortDescription" class="form-control" placeholder="Breve descrizione"
                                                        style="resize: none;"></textarea>

                                                    <textarea onchange="checkTitle(this);" id="inputLongDescription" rows="9" class="form-control" placeholder="Descrizione" style="resize: none;" name="longDescription"
                                                       ></textarea>

                                                    <select id="selectType" name="selectType" class="form-control" style="text-align-last:center;" onchange="changePrize();">
                                                        <option value="default" name="default" selected="">Montepremi</option>
                                                        <option value="stage" name="stage">Stage</option>
                                                        <option value="compenso" name="compenso">Compenso Monetario</option>
                                                        <option value="lavoro" name="lavoro">Offerta di Lavoro</option>
                                                    </select>

                                                    <input style="padding-left:20px; text-align:left;" type="number" id="inputMontepremi" name="montepremi" class="form-control" placeholder="Montepremi">

                                                    <input style="text-indent: 10px;" type="text" placeholder="Termine" data-provide="datepicker" class="datepicker form-control" id="termine" name="data_scadenza">

                                                        <input type="file" name="foto" class="custom-file-input" id="uploadPhoto" accept=".png, .jpg, .jpeg">
                                                        Carica una foto

                                                        <input type="file" class="custom-file-input" name="files[]" id="uploadDoc" multiple >
                                                        Carica documentazione

                                                    <input id="inputTag" name="microcategorie" type="text" class="form-control" value="" placeholder="Tags " data-placeholder="Tags " data-role="tagsinput">

                                                    <input type="checkbox" class="form-check-input" name="anonymous" id="anonymous">
                                                    Desidero pubblicare in anonimato

                                                    NOTA: Ti consigliamo un'immagine alta 185px e larga 350px

                                                <button style="margin-top: 30px;" id="insertNewChallenge" class="btn btn-primary contact text-center" type="submit">PUBBLICA</button>

                                </form>

redpajama_set_name: RedPajamaStackExchange


text:
Ghana library showcases black and African literature
2020/7/11 00:30 (EDT)
©Agence France-Presse
Sylvia Arthur founded the library in 2017
Accra (AFP) - A small group of visitors waits eagerly at the entrance to a single-storey building in Ghana's capital Accra, looking to explore the literary treasure inside.
This is the Library of Africa and the African Diaspora -- a passion project launched by Ghanaian-British writer Sylvia Arthur.
Based around Arthur's personal book collection, the library provides a remarkable opportunity to bring literature from the global black community to a country considered a cradle of African civilisation, and which was once a hub of the transatlantic slave trade.
"Our work has been neglected, it's not been showcased, it's not been respected, it's not been archived and that's the purpose of this library," Arthur said as she guided her visitors around.
The library was founded in 2017 when Arthur moved to Ghana after working in Europe.
It was renamed and relaunched this year, welcoming its first guests again in July as restrictions to curb the spread of the coronavirus were eased in the west African nation.
The library boasts around 4,000 books, from almost every country on the African continent.
Many names will be familiar to those who have seen the growing international acclaim for African writers such as Wole Soyinka, Chinua Achebe, Chimamanda Ngozi Adichie, Ben Okri, Mariama Ba and Ngugi wa Thiong'o.
But this collection is a rarity in Africa.
It not only spans the entire continent, including authors such as Assia Djebar from Algeria and Naguib Mahfouz from Egypt, as well as white authors from southern Africa such Doris Lessing, Nadine Gordimer and J.M. Coetzee -- it also includes black writers from across the world including the US, Caribbean and Europe.
It also has a special collection of rare and out-of-print books, drawing historical links between the works of African and diaspora writers, and offers residences for authors from abroad.
"We started off in one room and now we are in a whole house," Arthur said.
The library's aims have been made even more relevant by the Black Lives Matter protests that have swept the globe and sparked renewed debates on history and equality.
"I definitely think what we do is very empowering," said Arthur.
"It shows people that no matter what they've been taught in schools, and in Western schools, we actually come from a race of people who are intelligent, smart, literate."
Ghana -- a beacon in Africa's struggle for independence -- has long played a role as a hub of thought and memory for the broader black community.
American writer and civil rights activist Maya Angelou lived in Accra in the early 1960s and the government has tried to attract black people to move to the country.
In 2019 the authorities staged the "Year of Return" -- four centuries after the first slave ship landed in what is now the US -- urging African Americans to "come home".
'Don't lose our identity'
But despite those official efforts, there is often little knowledge of writers from across Africa and the black community.
Visitors said that the library, while small in the numbers of books it has compared with others, is a seed that can grow, filling those gaps.
For an annual fee of 600 cedi ($100, 90 euros), members can borrow books or simply peruse the shelves lined beneath portraits of renowned writers of African descent.
"I'm truly overwhelmed by the trove of materials I've seen here, especially such a brilliant and classical collection of pan-African writers," said Appiah Kusi Adomako, who works on regional integration.
"These are great materials everyone should come and read to add to their knowledge of African history so we don't lose our identity."
Young writer Nasirudeen Jabbaru agreed the collection offered a fantastic window into an often-neglected area.
"Having all these books together in one place is special," he said.
"Most of them are scarce on the market and this is a whole inspiration for me."
Researcher Jeffrey Boadu described the library as a "good foundation for future writers".
"I've really been inspired and I'll definitely come back to read some more," he said.
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text:
Digital Control Centre
Salford Royal NHS Foundation Trust would like to invite providers to attend a 'Market Engagement Event' which will inform the market of Salford Royal NHS Foundation Trust intentions to develop a Digital Control Centre. Any values and timescales stated within this PIN notice are for guideline purposes only and should not be taken as a guarantee. Introduction Salford Royal NHS Foundation University Teaching Trust (SRFT) is a highly regarded integrated provider of hospital, community and primary care services Trust. Our team of 7,000 staff provides local services to the City of Salford and specialist services to Greater Manchester and beyond. We are an Outstanding Trust - the first Trust in the North of England to achieve the highest rating given by the Care Quality Commission and are leading innovative new models of care achieving national vanguard status twice; for the development of an Acute Care Group and an Integrated Care Organisation. Salford Royal NHS Foundation Trust (SRFT) is currently in an enviable position as one of the most digitally mature Trusts in England as measured by the NHS England Digital Maturity Index and has recently been chosen as a Centre for Global Digital Exemplar (GDE). The GDEs will trail blaze new ways of using digital technology to drive radical improvements in the care of patients. Building on this, Salford Royal is looking to the future of healthcare and wants to establish a Digital Control Centre, bringing the latest advances in data analytics and digital health to achieve a world-leading organisation which has operational excellence, the best quality healthcare and patient experience across the entire organization which also includes social care. Salford Royal will be the Test Bed for the Digital Control Centre with an opportunity to scale across Group and potentially across the rest of the NHS. Potential Providers are also asked to read and download - Appendix 1 - which details desired outcomes and Case Studies. Salford Royal NHS Foundation Trust would like to invite interested providers to attend a 'Market Engagement Event' on Thursday 22nd June 2017 from 1pm until 5pm. The event will be held in level 2 Mayo Building Seminar Room 11 & 12 Salford Royal NHS Foundation Trust, Stott Lane, Salford M6 8HD. Bidders wishing to express an interest in participating in the Market Engagement Event should register their interest on the EU Supply Website. To register on EU Supply please log on to the following website: https://nhssbs.eu-supply.com and look for PIN reference number CB/SRFT/508/17-18 Digital Control Centre. For support registering on EU Supply please contact the e-Tendering help desk on 0800 840 2050 or support@eu-supply.com. Any information provided to Salford Royal NHS Foundation Trust in the course of this market engagement event would be made available to all interested parties responding to any future potential tendering opportunities. This will provide an opportunity for potential pr
Claire Barnes
Claire.barnes@srft.nhs.uk
Turnpike House, 631 Eccles New Road
M50 1SY
Published: 23 May 2017, Receipt by:


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Social media has grown to become an incredible platform for businesses to connect and communicate with their target audience. But with so many options to choose from, it has become a really difficult job to find out what works the best for you.
As a matter of fact, it's not that hard. Before locking down on the social media platform that you assume might work the best, there are a number of things you should consider. Like the core audience, engagement level, type of content etc. (for example, a bakery is better off with Instagram than LinkedIn). This will give you an idea about which platform has the most potential to fulfil the goal you're trying to achieve.
Facebook has more active users than any other platform, more than 1.5 billion of them. Which makes Facebook the go-to platform for the majority of brands. Facebook's core value is to serve as a platform to connect and build relationships with people. This is exactly what brands want to achieve out of social media i.e. build meaningful relationships with the targeted audience to turn them into loyal customers.
Facebook helps in gathering feedback for your services or products from your customers and gives you the freedom to communicate with different types of content. Just make sure whatever you put out is visually appealing and engaging.
The majority of the audience is between the age of 15-49 & almost 91% of millennials have a facebook account.
It's best suited for businesses who want build valuable relationships and want to amplify customer interaction.
The only problem with Facebook is that it's flooded with pages, profiles and content which has massively decreased the organic reach (expect less than 10%) making it a pay to play model. If you want your content to reach more people you'll surely have to cough up some cash.
Instagram is growing at a fast rate. It may not have the same headcounts as Facebook but people really love it. Its minimalistic interface gets the most engagement on each post than any other platform. You will find the most captivating photos and videos ( 1 minute or less ) on Instagram.
It is best suited for businesses with visually appealing content looking for brand promotion.
As it is still a relatively new platform the user base is also young. 90% of users are below the age of 35.
While Facebook and Twitter recommend 1 or 2 hashtags per post, Instagram encourages to use as many as possible resulting in wider reach and more engagement.
The only downside is it's difficult to get ROI out of Instagram ( measurable one ). You cannot link your website anywhere except the bio of your profile making it more of a promotional platform.
If your business has a lot to say about what's happening in the company and the world, Twitter is the right platform you. Twitter's user base is quite diverse but a bulk of it is between the age of 18 and 50.
Twitter lets you communicate with all sort of content including photos, videos, text. You can also engage the audience with features like polling and hashtags.
If you are looking for returns from Twitter, you need to be very active and would require a decent follower count.
A tweet's lifespan is very low if it's not trending.
No Pinterest is not just for foodies, travellers and brides-to-be. It has over 100 million users out of which 85% are females. So if your brand's target audience is young girls, you have to be on Pinterest.
Pinterest is the only platform where the old content stays relevant for a long time.
You will find lots of infographics and DIY posts. So if you can create content like that with relevance to your business, Pinterest will work just fine for you.
The only catch is that it is a slow moving platform and acquiring a large following takes time, but with consistency and quality it can be achieved.
LinkedIn is without a doubt the best digital networking platform for B2B companies. If you do business with other brands, there's no reason to not be on LinkedIn.
With close to 500 million users it has certainly become a powerhouse for small and Fortune 500 companies alike.
Over 50% of the users are between the ages of 30 and 64.
Remember you don't sell anything directly to your audience other than your brand.
To conclude: You're better off choosing one or two social media platforms and using them to their maximum potential rather than having fingers in too many pies.


text:
About the volunteers appreciation evening – 2022
A wonderful event to appreciate the dedicated volunteers who served tirelessly to collect donations at various London Stations and venues during the Poppy Appeal Campaign 2021 was organised at the Baitul Futuh Mosque, Morden, Surrey.
The event, co-hosted by the Royal British Legion, was held on Wednesday, 2nd March 2022 within the Tahir Hall.
The proceedings started with the recitation of the Holy Quran by AMA UK Missionary, Mr Mahmud Wardi.
The event gave an opportunity to appreciate over 900 volunteers who turned out last November at train stations and shopping centres across the country, raising money for the RBL Poppy Appeal in November 2021.
An astonishing £700,000 was raised in just 2 weeks of the national campaign. There was an outpouring of sympathy and support from the great British public who donated generously, buying branded traditional poppies, official RBL merchandise, donating cash or paying large amounts on the new wireless contactless machines.
Gail Walters (RBL's Assistant Director for Network Engagement Regional Operations) greatly appreciated the efforts of this army of volunteers.
In London's Tahir Hall at Baitul Futuh Mosque, amidst CWFP and RBL banners, the evening's proceedings commenced with the traditional recitation of the Holy Quran by AMA UK Missionary Mr Mahmud Wardi.
The traditional Kohima Epitaph was then read out by Catherine Davis, Head of Remembrance at RBL, including the timeless reminder: "For your tomorrows these gave their today."
The welcome address was given by Mr Mubashir Siddiqi, Vice Chair of CWFP and its Head of Poppy Appeal. He said the purpose of today was to show our appreciation to our volunteers for their tireless effort over the years.
Gail Walters RBL's Assistant Director (Network Engagement Regional Operations) thanked the volunteers.
Jane Ayers, fundraising manager from RBL London gave an introduction to the evening's certificate presentations.
The High Sheriff of Greater London, Lynn Cooper said how delighted she was to be invited back for this appreciation event. She presented a certificate of appreciation to Zaheer Ahmed, Chairman of CWFP.
Zaheer Ahmed – Chairman CWFP said
"I am thankful to the RBL to co-host today's event and appreciate our volunteers who have done a magnificent job collecting over 690k and all within just two weeks of the Poppy Appeal Campaign 2021". The Chairman underlined how every penny was passed on to the other charities and none was kept for administration.
There followed presentation ceremonies for cheques and certificates.
The compère for the evening, Mr Rafi Ahmad (Vice Chair CWFP), then invited The Worshipful Mayor of Sutton, Councillor Trish Fivey to say a few words:
"I am delighted to be able to join you here this evening for this wonderful appreciation event to celebrate your enormous efforts last year. I had the privilege to join you on the route of the walk itself last summer. I must say that Mayors and councillors from London boroughs, have always enjoyed attending your events and are highly appreciative of the amazing work that you do. Under your motto of Love for All, Hatred for None it is humbling to see a Muslim charity raise £700,000 for the Royal British Legion Poppy Appeal in just a few weeks. You went on to raise over £1 million across all projects, so very well done indeed."
Although the national campaign saw over 900 volunteer-members participate, only 200 volunteers and guests were accommodated in the Tahir Hall this year due to COVID-19 precautions.
The Royal British Legion was delighted to present printed, framed appreciation certificates to each of these incredible volunteers, who removed their face masks briefly to take some memorable photos as a memento of this exceptional year.
The National President of the Ahmadiyya Muslim Elders Association UK, Dr Ch Ijaz Ur Rehman, said
"Islam is a religion of peace and the teachings of peace mean serving mankind without giving any consideration to cast, colour, creed, faith or religion. This is what the Ahmadiyya Muslim Association has been doing since its inception from the times of the Promised Messiah Hadhrat Mirza Ghulam Ahmad of Qadian from 1889" The President was delighted to invite the Mayor of Sutton to present Jane Ayers, the London representative of the Royal British Legion with a cheque for £690,552.38. A new record collection for Charity Walk for Peace.
Other cheques were presented on the night to the following
-Sutton Mental Health Foundation £1,200
-Home Start Sutton £800
-Brotherhood of the Cross and Star £640
-Samaritans, Redbridge Branch £2,200
(This year's events were regionalised, with donations to various organisations scheduled to be presented within the regional events.)
At the conclusion of a unique and memorable evening, Dr Rehman led the congregation in silent prayers.
After the cheques were presented, the guests were treated to a delicious buffet dinner (including vegetarian options) and offered tours of the Baitul Futuh Mosque where the Isha (night) prayers were due to commence.
The event was covered by social media and a special news report was televised on MTA International [1].
[1] https://www.youtube.com/watch?v=dQabWxkvlZw&ab_channel=MTANews
Download Event report (PDF)


Download and install EZChangeLog from the EZChangeLog website (or use the Check for Update feature if you are already running the demo to be sure you have the latest version).
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In this group, you will be at the FLOATS #3 of the União da Ilha Samba School.
You must pick up your costume 7 days prior to the event at the União da Ilha Samba School headquarters located at: R. Rivadávia Corrêa, 60 - Gambôa, Rio de Janeiro - RJ, 20220-290, Brazil.
Delays will occur and you may pick up the costume on the day of the event.
Final costume can look different than original sketch due to availability of materials at the final fabrication.
Once paraded there are no refunds.
All of them have a theme and we will present you with the costumes for men or woman, the number of the float you will be parading and all costumes are to be picked up 1 week before the event/parade. Delays will happen and you might pick up the costume on the days or hours before. We will inform you as much as we can on the pick up and delivery. Once you pick up the costume we suggest you to try the costume and if there are any complains do it to the school in person. Once you remove the costume you are responsible for your costumes and no refund is acceptable. Your costume has only a symbolic price as you are paying to participate on a samba parade on a float or not. In general terms the costume for União da Ilha samba school has a symbolic price of U$150 for materials. Customer is paying the balance of the price for parading during 60 minutes on a float for the samba school. This is standard in many samba schools.


text:
Q: Web Api MVC binding FormDataCollection I have a Jquery Ajax call more or like below
 $.ajax(url, {
         type: httpMethod,
         contentType: "application/json; charset=utf-8",
         data: '{name:"abc",age:23,address:"29 judd ce"}',

The web api action is
  public HttpResponseMessage Post([FromBody] FormDataCollection data)
        {

However the parameter 'data' is always null.
Is this a web api limitation or am i doing it the wrong way
Thanks

A: Use a view model instead:
public class UserViewModel
{
    public string Name { get; set; }
    public int Age { get; set; }
    public string Address { get; set; }
}

that your controller action will take:
public HttpResponseMessage Post(UserViewModel model)
{
    ...
}

A: it's possible
 $.ajax("http://localhost:57281/api/Values", {
                    type: "POST",
                    data: '{name:"abc",age:23,address:"29 judd ce"}',
                    contentType: "application/x-www-form-urlencoded"
                });

//POST api/values
public void Post([FromBody]FormDataCollection value)
{

}

Also works without [FromBody]
But you will get only ONE pair of key/value
Better use something like that
  $.ajax("http://localhost:57281/api/Values", {
                    type: "POST",
                    data: 'name=abc&age=23&address=29 judd ce',
                    contentType: "application/x-www-form-urlencoded"
                });

& is used as a separator for each pair


text:
Home ■ Earth ■ Climate ■ Your next holiday might cost the Earth
7 May 2018 /
Richard A Lovett
Your next holiday might cost the Earth
New modelling finds tourism accounts for a big slice of global greenhouse gas emissions. Richard A Lovett reports.
Long distance travel and away-from-home splurging carry a hefty environmental cost. Credit: Marla Rutherford/ Getty Image
Holidays are for relaxing, adventuring, or pampering yourself. But they can also be large contributors to global climate change. In fact, says Arunima Malik, a researcher in sustainability assessment at the University of Sydney in Australia, tourism accounts for a startling 8% of the world's annual greenhouse gas emissions.
Furthermore, she and colleagues report in a paper published in the journal Nature Climate Change, these emissions increased 15% between 2009 and 2013, and could increase by another 45% by 2025, driven by increasing global affluence and the related rise in demand for energy-intensive travel.
Malik's team wasn't the first to address this problem. But prior studies, she says, had found tourism's impact to be much lower — roughly 3% of the total.
The difference is because previous analyses looked primarily at the relatively direct greenhouse-gas impacts of tourists' activities, she says, examining only the more obvious parts of the supply chains related to them. By combining several mammoth databases, she explains, her team was able to trace supply chains in far greater detail, for 160 individual countries.
"We were able to trace over a billion supply chains," she says.
As a result, her team was able to account for such things as the construction materials for hotels and souvenir shops, the effects of tourism-related land-use changes, and all of the inputs that go into foods and beverages consumed by tourists.
"People eat more processed food when they travel," she says.
Much of the impact is from carbon dioxide, but that isn't the only greenhouse gas produced by tourism-related activities. One-sixth of the overall impact comes from methane, she says, mostly from agricultural activities designed to feed tourists. Nitrous oxide, chlorofluorocarbons, sulfur hexafluoride, and a couple of other gases also play a role.
But that was only part of the study. Malik's team also calculated the carbon costs of tourism country-by-country, not just for destination countries, but for those from which tourists come.
Not surprisingly, tourists from high-income countries spent the most on air travel, hospitality, and shopping, racking up correspondingly high greenhouse gas footprints in return. Those from lower-income countries took more budget-minded vacations, eating fewer highly processed foods and doing a higher fraction of their travel by rail or automobile.
Among other things, the results revealed that a disproportionate fraction of emissions occurred on small island nations, which have relatively few ways to mitigate their climate-change footprints.
"This leaves them in a difficult situation because this is their income stream," Malik says, adding that, at the same time, they have a lot to lose from unchecked emissions.
"They are really vulnerable to the effect of climate change," she says.
Other scientists are impressed, but cautious. Paul Peeters, a professor of sustainable transport and tourism at Breda University of Applied Sciences in the Netherlands, applauds the new study's focus on such factors as agricultural emissions. {%recommended 7046%}
"The message that food should not be ignored is welcome," he says. "Also the finding that emissions grow faster than economies in tourism is important."
However, he says, the inclusion of so many other factors into the total has the unwelcome side-effect of masking the importance of air travel: a concern because the technology exists to significantly reduce the greenhouse-gas footprint of such things as agriculture, surface transport, heating, and construction.
"This is not the case for aviation," he says. And that's a problem, because the average distance that tourists travel is increasing rapidly.
"Aviation forms a fundamental threat to the success of the Paris Accord," he says.
Another problem is that people eat and shop not just when they travel, but also at home. To the extent they are going to do these things regardless of where they are, they are not costs of travel, per se.
That said, the effect of the splurge-when-traveling effect appears to be huge, at least for tourists from wealthy countries. Peeters' own work has found that the average Dutch tourist creates seven to eight times more carbon emissions on holiday than at home.
Malik agrees that her team's study wasn't able to take this into account. The goal, she says, was to tabulate all of the costs of tourism, in an effort to raise awareness of the degree to which it affects climate change.
"The more we talk about it, the more, hopefully, we'll be able to find solutions for ensuring that tourism-related carbon emissions don't keep on growing," she says.
One such solution, says Richard Alley, a climate researcher at Pennsylvania State University in the US, is a "price" on greenhouse gas emissions, possibly as a carbon tax, or possibly via other methods such as cap-and-trade.
People pay for fossil fuels and things derived from them in order "to get good things from the energy," he says. But in the process, greenhouse gas emissions from that energy produce damages, such as climate change. Economic studies, he explains, "repeatedly find that a price on carbon would allow people to continue to do the things they want, while balancing the good against the bad. This 'right-pricing' of carbon would help develop the technologies that will allow future travel and other activities we enjoy without changing the climate."
Malik's colleague, Manfred Lenzen, also of the University of Sydney, urges eco-minded tourists not to wait for the government to put such "right-pricing" into effect. Instead, he encourages them to take matters into their own hands and voluntarily invest in projects designed to offset their carbon emissions – especially from flying.
For example, he says, an air traveler could help fund a project designed to grow trees where none currently exist. But it isn't cheap. "If I flew from Melbourne to the UK return, I would pay at least an additional $205 to offset my emissions," he says. "For a return trip between Sydney and Brisbane, about $18 extra."
Richard A Lovett is a Portland, Oregon-based science writer and science fiction author. He is a frequent contributor to Cosmos.
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Leaves long left alone have story to tell
NZ glacier melt linked to climate change
Science of Sexuality – we were born this way
Ageing chimps value old friends


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New Parking Available for Residents
California Lutheran University allows students, staff and faculty to park on campus for free in specific areas. In a recent change, another section has been added for residential students.
Due to recent changes, parking along both sides of South Campus Drive will now be available to residents in addition to the commuters and staff that can already park there. This street is located by South Hall alongside part of Mt. Clef Field and the Chapel.
There are Academic Core Restricted parking areas, according to the campus parking map, which means no "R" (or Resident Student) permits allowed from 9 a.m. to 7 p.m. Monday through Friday, not including weekends. These areas are found along parts of Memorial Parkway, Luther Avenue, Pioneer Avenue, Faculty Street, South Campus Drive, Regent Avenue and Chapel Lane according to the campus parking map.
"Thirty three parking spaces on S. Campus Drive between Olsen Road and Memorial Parkway are now available for resident student use. Signage along S. Campus Drive will be changed to indicate that the spaces are available to 'R' permit holders," Director of Campus Safety David Hilke said in an email interview.
Many students living in New West have had poor experiences finding parking before and some have had to park at Mt. Clef, according to senior Schaun Billing, who is a New West resident. So this change has been positive for New West residents.
"It's already helped, I've already used it. But, I mean before there was nothing you could do. Every single spot was taken," Billing said.
The parking struggle: Cal Lutheran created more spots for residential students due to issues with finding parking this semester.
While this new switch has been beneficial to students living on campus, it made an already difficult situation worse for the commuters on campus.
"Yes, there's always residents [on the street by South]. I park on the one spot right in front of the pedestrian crosswalk and right in front of me you see at least four cars with the red resident sticker instead of the white commuter sticker, and it's a little frustrating but it's okay… I don't like the change. It's hard to find parking and I'm late to class a lot," sophomore commuter Nadine Abukhzam said.
According to Hilke and Associate Vice President of Planning & Services Ryan Van Ommeren, this change was enacted due to fall annual survey results. Campus safety has tried to make the parking situation clear with various signage around campus indicating who can park in which spots.
Campus is divided into sections for Faculty/Staff (S), Commuter Student (C), Resident Student (R), Exempt (E), and Faculty/Staff (G) which is an incentive program for faculty and staff who work in an office south of Olsen Road but may park north of Olsen Road, according to the CLU Parking Management Plan Thousand Oaks Campus.
"Staff and faculty receive a $25 per month incentive to park on North Campus. We obviously do this to lessen parking demand on S. Campus," Van Ommeren said in an email interview.
Students living on campus are only allowed to bring one car on campus and only one type of parking permit can be issued at a time, according to the Cal Lutheran Parking Management Plan.
However, commuting students as well as staff and faculty can get more than one permit if they use more than one vehicle to commute to campus, according to the CLU Parking Management Plan.
There are certain areas on campus that no one can park in. Parking in a red zone is never allowed and Cal Lutheran can immediately tow any car in a red zone.
Green zone is reserved for special parking such as visitors, carpools or timed parking but the specifics are detailed on signs.
Yellow areas are reserved for marked Cal Lutheran service vehicles or marked vendor service vehicles.
The white zone is reserved for loading/unloading of passengers for no more than 20 minutes.
Finally, blue spots are only available for visiting vehicles with a valid disabled license plate or for cars that have a Cal Lutheran parking permit and a valid disabled license.
This is all explained in the Cal Lutheran Parking Management Plan. All this information can be accessed at https://www.callutheran.edu/offices/campus-safety/documents/CLU_Parking_Management_Plan.pdf
Permits can be applied for online through the CLU Parking Management Program and picked up at the Campus Safety Office or applied for in person at the Campus Safety Office.
Anissa Fraijo
Dogs on campus provide positive reinforcements
Student entrepreneurs flourish at CLU flea market
Student entrepreneurs highlight the importance of small businesses
Civic Engagement Fair encourages students to get involved with the community
SEEd Garden hosts education about native plants
CCEI hopes to highlight Indigenous People's Heritage year round
iCLU radio encourages students to creatively express interests
Gumby Gossip – What reminds you of the Fall season?
LASO brings comfort in remembering loved ones during Día de los Muertos
'Shakespeare in Love' filled with comedy, romance


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I would like to say a few words The Honorary Consul General at Karachi would like to congratulate the esteemed embassy of Ukraine and in specific belove Ambassador on Silver Jubilee of Ukrainian Independence.
pronounced Declaration Act of the Independence of Ukraine.
determination to keep the independence irrevocable.
improve in the economy, trade and prosperity number.
-Member Public Private Partnership Policy Board Sindh Govt.
-Member Board of Directors of Pakistan Standard Quality Control Authority under Ministry of Science & Technology.
-Member: Advisory Committee of Federal Tax Ombudsman.
-Member Board of Directors, Pakistan Steel Mills.


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Mofaz: I called for an early ground op
Minister told Winograd C'tee he was repeatedly ignored by decision makers.
mofaz .298.88
(photo credit: Ariel Jerozolimski [file])
Transportation Minister and former IDF chief of staff Shaul Mofaz testified to the Winograd Committee that he had called for a ground incursion into Lebanon the day reservists Ehud Goldwasser and Eldad Regev were kidnapped, but had been ignored. Mofaz's testimony was published Tuesday. The committee members asked Mofaz what the proper course of action after the kidnapping would have been. "I supported the following actions," Mofaz replied. "First, counter the rockets - I thought this was our opportunity. I thought it was right to act that same night, to strike their infrastructure, both permanent and mobile… without harming citizens." Mofaz said he had supported an intense, prolonged strike. He said that he believed it was necessary to find a "tipping point" against Hizbullah, such as an attack on [Hizbullah spiritual leader Hassan] Nasrallah. The former defense minister added that he did not see this as impossible, even though at the time there were no clear targets for Israeli action. Mofaz also said that he had not been informed of political issues throughout the war - despite the fact that had made the cabinet aware of this. The former defense minister had tried to influence decision-making countless times throughout the war, but was disregarded. "Not only was I ignored every time I intervened, I was attacked," Mofaz said. Mofaz's statement was divided into two parts - the first addressed his position as Chief of General Staff during the Lebanon War and the IDF withdrawal from Southern Lebanon in 2000, and the second detailed his experience as a minister and member of Cabinet during last summer's war. In another meeting, the minister tried to raise the issue of drafting reservists and was again ignored. Asked how he himself reacted at the beginning of the war, and whether he was consulted due to his defense experience, he said: "I phoned the prime minister on the second or third day [of the war], and on the eighth day of the war I said to him, 'Listen, this is not right.' Afterwards I called him again and I said to him [again], 'this is not right.' And you see that nothing changed."


.A Headstone represents a fitting tribute and a lasting symbol of remembrance to a loved one.The headstone you select should,we believe, be one that accurately reflects your wishes and incorporates everything that is important to you. We have an extensive selection of Headstones from which you can choose but we can also reproduce any Memorial you may have seen to meet your individual requirements.
We also add inscriptions and clean existing headstones.


Friends – I look forward to seeing many of you tomorrow (Friday 7 March) at the DC Christian Peace Witness for Iraq at noon.
Then tomorrow and Saturday will be our DC area "Everything Must Change" event. We have over 300 registered already, but if you'd like to come, there's still some room and you can register at the door. Check out the deepshift.org website for directions and other information.
Lots of good things cooking … Hope to see you this weekend!


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Qlik Launches Industry's First Data Literacy Consulting and Service Offerings to Enable Customer Success
Delivering Data Literacy as a Service, the New Offerings Help Address the People, Process and Technology Challenges to Creating an Enterprise-Wide Data-Driven Culture
Philadelphia – Qlik today launched the industry's first Data Literacy Consulting Service and Signature Services designed to help organizations adopt a Data Literacy as a Service approach to creating a data-driven culture. These always-on education, consulting and support services will help organizations drive higher data literacy rates while optimizing the value trapped in their data.
"Around the globe, organizations consistently tell us they believe data literacy is essential to their ability to scale data-driven decision making and increase value from data," said James Fisher, Chief Product Officer at Qlik. "What they are struggling with is how to best blend the people, process and technology elements necessary for a culture to become truly data-informed. Our new offerings, through a proven structure and expert resources, enable a higher level of customer success when bringing data-driven decisions to every aspect of their business."
The interest in data literacy services as an enterprise-wide value driver has been steadily growing in the past two years. Qlik's Data Literacy Index data shows that large enterprises with higher corporate data literacy experience $320-$534 million in higher enterprise value (the total market value of the business). This has driven investments in technology to empower employees, which has created unintended consequences that limit data and analytics adoption. In new research co-sponsored by Qlik and Accenture, only 21% of the global working population surveyed reported they are fully confident in their data literacy skills, leading almost two thirds to report being overwhelmed. This has resulted in employees spending at least one hour a week procrastinating over data-related tasks and adding billions in lost productivity per year, estimated at $109.4B annually in the U.S. alone.
This employee resistance adds a new dimension to the adoption plateau organizations face when deploying data and analytics solutions, increasing the difficulty in extracting ongoing value from data. This has driven demand for over 250 Qlik-led data literacy workshops over the last two years. Organizations found these popular workshops valuable, yet CDOs in particular noted they need even more help in creating a widespread cultural shift to data literacy. Qlik has launched these initial services under the banner of a Data Literacy as a Service approach, highlighting the importance of closing this gap and helping organizations address the people, process and technology challenges that can limit success and company-wide confidence in the use of data.
"At Nemours, we've been addressing the data literacy gap through a mix of technology and training, working closely with Qlik on our approach and rollout. While the initial results have been promising, like many on this journey we now want to scale and embed these capabilities across the organization," said Rishi Muchhala, Manager of Enterprise Intelligence at Nemours Children's Health System. "We're excited to explore these new services from Qlik on our path to creating a fully data literate culture."
Data Literacy as a Service is a holistic always-on customer success approach designed to drive a data-informed culture by optimizing three components: the value of analytic technology and processes, human capital through a comprehensive, ongoing and product-agnostic data literacy adoption program, and mission-critical analytics with a 24/7 enterprise support foundation. The initial Data Literacy Consulting and Signature Services are available today via subscription, and like other subscription services can be customized over time to evolve with customers' unique needs.
The new services include:
Data Literacy Consulting Services – New education, consulting and change-management subscription services to drive and create an organization-wide culture of data literacy. The services include a 6-step adoption framework supported by services to help organizations adopt data literacy, designed and delivered by a team of data literacy experts who are globally recognized in the field of data analytics and science.
Signature Services – Qlik Signature is a customer success subscription service for strategic customers, delivering a personalized and prescriptive path to success with Qlik experts by their side and aligned with their business priorities. New tailored recurring services span consulting and education to ensure customers always optimize their landscape and continue to drive new value at every step, ensuring they are constantly maximizing the technology and processes that support their ability to read, work, analyze and argue with data.
Qlik's vision is a data-literate world, one where everyone can use data to improve decision-making and solve their most challenging problems. Only Qlik offers end-to-end, real-time data integration and analytics solutions that help organizations access and transform all their data into value. Qlik helps companies lead with data to see more deeply into customer behavior, reinvent business processes, discover new revenue streams, and balance risk and reward. Qlik does business in more than 100 countries and serves over 50,000 customers around the world.
© 2020 QlikTech International AB. All rights reserved. All product and company names are trademarks™ or registered® trademarks of their respective holders. The information provided herein is subject to change without notice. In addition, the development, release and timing of any product or functionality described herein remain at the sole discretion of Qlik and should not be relied upon in making a purchasing decision, nor as a representation, warranty or commitment to deliver specific products or functionality in the future.


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Home > FORMS > N-4, Monthly Report Naturalization Papers
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N-4, Monthly Report Naturalization Papers
The clerk of any court conducting naturalization activities under Section 339 of the Immigration and Nationality Act (8 U.S.C. 1450) and 8 CFR 339 uses this form to provide information to USCIS to finalize the record process regarding individuals naturalized and to determine payments to the courts as provided by law.
Form N-4 (PDF, 42 KB)
Edition Date
08/01/17. We will publish a new edition of this form soon. In the meantime, you may file using the 08/01/17 edition and previous editions dated: 10/26/15, 01/22/13 and 11/09/09. You can find the edition date at the bottom of the page on the form and instructions.
Where to File
File with the USCIS office that has jurisdiction over the court's location. The USCIS office receiving the form should retain the original, duplicate and all attachments, and should not forward to the headquarters address noted on page two of the form.
Filing Fee
Most Popular Forms
Apply for Citizenship (Form N-400)
Apply for a Green Card (Form I-485)
Petition for Alien Relative (Form I-130)
Apply for Employment Authorization (Form I-765)
Affidavit of Support (Form I-864)
Employment Eligibility Verification (Form I-9)
Apply for a Travel Document (Form I-131)
Remove Conditions on a Green Card through Marriage (Form I-751)
Renew or Replace My Green Card (Form I-90)
G-1055, Fee Schedule
Forms Information
Form Filing Tips
Expedite Criteria
Preparing for Your Biometric Services Appointment
Form I-797: Types and Functions
Card Delivery Tracking
Fee Waiver Guidance
USCIS Immigrant Fee
Forms Processed at USCIS Lockbox Facilities
Forms Updates
2D Barcode Requirements
Workload Transfer Updates
Department of State (DS) and Other Non-USCIS Forms
DS-260: Online Immigrant Visa Application
Application for a U.S. Passport (DS-11)
Arrival/Departure Forms (I-94 and I-94W)
Department of State (DS) Visa Application Forms
U.S. Customs and Border Protection: Forms


Attorney general says decision for Andargachew Tsige's pardon was part of moves intended to 'widen political space'.
Ethiopia has pardoned an opposition leader with British citizenship who had been sentenced to death.
Berhanu Tsegaye, Ethiopia's attorney general, said on Saturday that Andargachew was pardoned "under special circumstances" along with 575 other inmates.
The decisions were made with the "intention of widening political space," the attorney general told reporters in the capital, Addis Ababa.
Andargachew is expected to be released within the next two days.
Yemi Hailemariam, Andargachew's wife, said she hoped he would be allowed to return to Britain soon.
"I am so thankful that the pain and anguish my children have had to go through could now soon be coming to an end," she said in a statement issued by Reprieve, a human rights group.
Thousands of prisoners, including several senior opposition leaders, have been freed since January having been accused of charges such as "terrorism" or incitement to topple the government.
The protests broadened into rallies over political rights, leading eventually to the resignation of Prime Minister Hailemariam Desalegn in February.
He has since been replaced by Abiy Ahmed, a former lieutenant-colonel in the army and head of Ethiopia's science and technology ministry.
Tigistu Awelu, chairman of the opposition Andinet party, welcomed the government's decision to free Andargachew as "hugely significant for bringing about national reconciliation and healing".
Last week, the government and an exiled opposition party from Oromia opened talks with the aim of enabling it to return to the political fold.
The Oromo Democratic Front (ODF) was formed in 2013 by former members of the Oromo Liberation Front and seeks self-determination for ethnic Oromos, Ethiopia's largest ethnic group. Its leaders have been living in exile.


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Democrats are moving quickly to address problems faced by both parties in the last presidential campaign concerning early-stage debates. But whether the DNC's new ideas will meaningfully improve the process is, at best, debatable.
Four years ago Republicans struggled with too many candidates, while Democrats had too few debates and scheduled some in undesirable weekend slots. This time, Democrats will hold debates early and often, beginning on successive weeknights this June. A lottery will divide the field, with as many as 10 participants going the first night and an equal number the next.
Also new: dual pathways for qualification. A candidate must either reach 1 percent in three national polls or collect at least $65,000 from 200 donors in 20 different states. The DNC says the rules will evolve further over the course of what will be dozens of debates.
The qualification metrics are reasonable, but the lottery is risky. If one or two front-runners find themselves on stage with a cast of long-shot opponents the value of the event will be diminished. Moreover, there are other problems with presidential debates—especially those conducted in the early going—that have yet to be addressed.
>Debates or interviews? A flaw in early debates is that moderators, usually chosen by the news organizations carrying the events, feel compelled to tailor their questions to each particular candidate. Thus, for example, a logical question to California Sen. Kamala Harris would be: "Your record as a criminal prosecutor seems to be at odds with several of your current campaign positions. How do you reconcile that?" Similarly, Massachusetts Sen. Elizabeth Warren would be asked about her claims of Native American heritage; Vermont Sen. Bernie Sanders would be asked about his age, and so forth.
Such questions would be appropriate in a town hall or Sunday TV interview, but in a multi-candidate debate become a distraction. A true "debate" involves an exchange of positions and ideas on key issues. Ideally, every candidate should be required to answer the same questions—about climate, immigration, taxes, etc.
>The attack rule doesn't work. It's generally accepted that if one candidate attacks another directly in the course of giving a timed answer, the other candidate is allowed to respond. This proved especially vexing for Republicans in 2016 because practically every candidate was asked about Donald Trump, giving Trump a disproportionate opportunity to seize the microphone.
Democrats should waive this rule and allow candidates to fend for themselves during their own allotted time.
>Candidates don't stay on point. Too often participants deflect a question and turn instead to pet talking points. Moderators must be more aggressive in keeping to the question at hand.
>Social media don't fit. News organizations are enamored of Twitter, Facebook and other digital means of allowing viewers to "participate" in debates. This bogus practice should be halted. Journalists have enough problems orchestrating questions and eliciting meaningful answers from the candidates without random input from viewers that is purely cosmetic and wastes time.
The debate process becomes significantly easier as the size of the field is reduced and the election draws near. But in a critically important race, with such a diverse cadre of candidates, Democrats need to think outside the box in the early going. Debates should do more to examine the strengths of rising stars, rather than cement the fortunes of an established candidate, as happened with Hillary Clinton in 2016.
Would Democrats consider having candidates grilled one at a time in the first portion of the event, while the others were isolated backstage?
Might Democrats agree to one debate in which all questions are asked by the candidates of each other? Would the DNC sanction a series of debates on successive nights in late summer for which each installment involves just a single topic, such as healthcare in America?
Any chance of conducting a debate in a studio without an audience? What if the podiums were placed in a circle so candidates had to look one and other in the eyes, rather than playing to the crowd?
Whatever the format, this cycle's debates should focus on information and insight, not ratings or the showcasing of network anchors. That much is beyond debate.