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Home > World Regions > Europe News > Former UK Treasury chief urges honesty on Brexit
Former UK Treasury chief urges honesty on Brexit
By Catherine Early on 14/09/2017
Lord Macpherson, former permanent secretary at the UK HM Treasury, speaking at the Global Government Finance Summit 2015
The UK government is failing to explain the realities of Brexit negotiations to the public, the former permanent secretary to the UK Treasury has warned.
Lord Macpherson, who was the top Treasury official for 11 years from 2005 to 2016, said last week: "I feel passionately that this is an area that needs leadership: someone has got to be honest with the British public about the compromises and trade-offs that need to be made. Sadly that simply hasn't happened."
Asked how he would feel if he was still working at the Treasury, with every decision impacted by the UK's impending departure from the bloc, Macpherson also appeared to question the structures put in place to manage Brexit planning and negotiations. "I worry about how Whitehall resources are being harnessed and deployed in support of the government's approach," he said.
During his time leading the Treasury, Macpherson managed its response to the financial crisis, then oversaw Gordon Brown's economic stimulus package and the Tory-Lib Dem coalition's austerity agenda.
Speaking an interview with the BBC, he recalled the first symptoms of the credit crunch in 2007, when mortgage lender Northern Rock asked the Bank of England for urgent financial support – prompting a run on the bank.
Explaining that almost nobody remained at HM Treasury who'd experienced the last recession in 1991, Macpherson acknowledged that it had been unprepared for the crisis: "I take my share of the responsibility for that," he said. "The Treasury didn't have the right resources in the right place when the run on Northern Rock took place."
But Macpherson noted that that its experience in rescuing Northern Rock proved invaluable when bigger banks got into trouble the following year. And, he said, the close working relationship between officials and ministers – led by then-chancellor Alastair Darling, who also participated in the interview – limited media leaks which could have exacerbated the problems.
It was a challenging period, he recalled: "We were in very serious unknown territory. Yes, you can prepare for it, but in reality the number of decisions we had to take in very short order was terrifying."
His job was made easier, Macpherson said, by the fact that Darling was calm and good at making decisions "sensibly, sequentially and quickly".
"Having someone in that post who has the temperament to deal with a crisis was, from my perspective, very lucky."
BrexitCivil serviceDont MissEUEuropeFinanceleadershipTreasuryUKUnited Kingdom
About Catherine Early
Catherine is a journalist and editor specialising in government policy and regulation. She writes predominantly about environmental issues and has held permanent roles at the Environmentalist (now known as Transform), the ENDS Report, Planning magazine and Windpower Monthly, and has also written for the Guardian, the Ecologist and China Dialogue. She was a finalist in the Guardian's International Development Journalism competition 2009, and was part of the team that won PPA Business Magazine of the Year 2011 for Windpower Monthly. She also won an outstanding content award at Haymarket Media Group's employee awards for data-led stories in Planning magazine. She holds a 2:1 honours degree in English language and literature from Birmingham University.
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The Queen's Council Rebel Rose Hardcover
Rebel Rose is the first in the Queen's Council series, an empowering fairy tale reimagining of the Disney Princesses-and the real history behind their stories-like you've never seen before.
Happily ever after is only the beginning as Belle takes on the responsibility of becoming queen and learns to balance duty, love, and sacrifice, all while navigating dark political intrigue-and a touch of magic.
It's 1789 and France is on the brink of revolution. Belle has finally broken the Enchantress's curse, restoring the Beast to his human form as Prince Adam, and bringing life back to their castle in the province of Aveyon. But in Paris, the fires of change are burning, and it's only a matter of time before the rebellion arrives on their doorstep.
Belle has always dreamed of leaving her provincial home for a life of adventure. But now she finds herself living in a palace, torn between her roots as a commoner, and her future as a royal. When she stumbles across a mysterious, ancient magic that brings with it a dire warning, she must question whether she is ready for the power being thrust on her, and if being Queen is more than just a title.
Reading age : 14 years and up
Grade level : 9 and up
Dimensions : 5.75 x 1 x 8.5 inches
Hardcover : 352 pages


I LOVE these ice cube boats - we will make some with sticks and leaves and then set them free on the local river! Hooray!
Thanks so much for linking up! We've never read The Rescuers, although we have seen the movie. This sounds like a good potential read-aloud for us, and I am definitely checking out that series!
This books look like a wonderful read-aloud for my girls. We are reading a new book that just came out- KenKarta (adventurous, but probably more for older kids as well- 8 and up).
I love the ice boat. I remember reading that book as a kid and loving it.
Love the floating ice boat!
I loved the Rescuers when I was young. The boat is so cool! (Literally and Figuratively!
that is cool boat.. Thanks for you kind words.. You are right about not getting rest..
I remember watching Rescuers as a series back home. It was one of the first Disney movies I've ever seen. I haven't read this book, but we really enjoyed Jenny Linsky books from the same series.
I loved this series as a child. This is a cute go along activity. They turned out very cute and I bet they were fun!
I loved the rescuers as a child - didn't know about the books though - excited to look for them! Thanks for linking up at Feed Me Books Friday!
This is one of my all time favorite books when I was a little girl. Love your ice boat idea. How fun.


A comparative analysis of the performance of the property funds listed on the Johannesburg Stock Exchange.
Listed property entities on the Johannesburg Stock Exchange fall under the category of 'Financials - Real Estate'. There are four types of property entities that a prospective investor can consider namely: Property Unit Trusts, Property Loan Stock Companies, Real Estate Holding and Development Companies and Real Estate Investment Trusts. The listed property sector allows investors to enter the property investment market in a uniquely affordable and secure way without the added risk, expense and administration that comes with direct property investment. This study evaluates the investment performance of the various property fund types through the implementation of Jensen's alpha, the Sharpe ratio and Treynor ratio in an effort to establish whether there is a significant difference in the returns that can be obtained from the diverse funds given the associated risks. An analysis of the total returns and standard deviation of the property industry shows that the real estate market is affected by changes that take place in the macro economy. It is also investigated whether there is a differential risk associated with investing in these funds. We find that there is no significant difference between the performances of the various funds and there is no differential level of risk associated with investing in the property funds. An analysis of the fluctuation of total returns and standard deviation of the property funds over the eleven year period shows that the property sector is affected by changes in economic conditions however the changes are not enough to cause colossal volatility. For instance, the global recession of 2008 had an impact on the property industry returns but the sector has since made a steady recovery.


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Remove Asthma
Awards and Accreditations (10)
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Lung Health (3)
Renown Leadership (16)
Wildfire Smoke More Dangerous Than Other Air Pollution For People With Asthma
Stage 2 Air Quality Index and alarming research studies from DRI, Renown Health and the Washoe County Health District leads to public health advisory- seek care if needed For people who suffer from asthma, wildfire smoke is more hazardous than other types of air pollution, according to a study from the Desert Research Institute (DRI), the Renown Institute for Health Innovation (Renown IHI) and the Washoe County Health District (WCHD). The study published in the journal Environmental Health examined associations between airborne particulate matter (PM) from sources such as wildfire, transportation and industry, and medical visits for asthma at Renown Health's emergency departments and urgent care centers in Reno, Nev. during the six-year period from 2013-2018. "In places like Reno, where wildfire events occur regularly during parts of the year and are expected to become more frequent in the future, an accurate understanding of the impacts of wildfire smoke on population health is critical," said Tony Slonim, MD, DrPH, President & CEO of Renown Health. "We have an exceptional process in place through our urgent care sites, Renown Medical Group offices and hospital emergency departments to screen, diagnose and treat members of our community who come to us for care related to asthma, chronic obstructive pulmonary disease (COPD), chronic bronchitis, emphysema, and other upper respiratory diseases that may be exacerbated by wildfire smoke. At the same time, we continue to develop and refine, in real-time, the data that supports our predictive analytic models. We are using every tool and resource-including scientific data and clinical reporting, to ensure that we are meeting both the health and healthcare needs of the people we serve." In the study, researchers found that air quality in the Reno area was affected by wildfire smoke on a total of 188 days during the study period. A total of 18,836 asthma-related emergency room and urgent care visits occurred over the same five-year period of time, indicating that the influences of wildfire smoke and other types of air pollution on this medical condition are important to understand. The Washoe County Health District – Air Quality Management Division (AQMD) has issued a Stage 2 Air Pollution Warning due to smoke from area wildfires. Air quality in the Reno-Sparks area is now "Very Unhealthy" with an Air Quality Index of 247. The Stage 2 warning means that all residents should stay indoors and reduce activity levels due to the susceptibility of increased health risks. To see current air quality in Reno-Sparks, click here. Brion Hill, MD who practices at the Renown Urgent Care - Los Altos location warns, "This is an important health advisory, exposure to elevated PM2.5 (fine particulate matter in smoke) concentrations can result in eye and throat irritation, headaches, nausea, shortness of breath, congestion, coughing, impaired lung function and chest pain. Everyone should take precautions when the air quality is unhealthy. Air pollution can aggravate heart and cardiovascular disease as well as lung diseases like asthma and COPD. When the air quality is unhealthy, people with these conditions may experience symptoms like chest pain, shortness of breath, wheezing, coughing, or fatigue. If you are experiencing any of these symptoms, use your inhalers as directed and contact your health care provider," says Dr. Hill. "If you do not have a health care provider, we have 11 conveniently located Renown Urgent Care offices with providers ready to see you 7 days a week." Dr. Joseph Grzymski, a research professor at Desert Research Institute, a corresponding author on the study and Chief Scientific Officer, Renown Health, says, "This air is very bad for your health. Given today's Air Quality Index in Reno, being outside and breathing this air for a day equals about smoking half a package of cigarettes." Additional Information: The full text of the article "Particulate matter and emergency visits for asthma: a time-series study of their association in the presence and absence of wildfire smoke in Reno, Nevada, 2013–2018," is available from Environmental Health: https://ehjournal.biomedcentral.com/articles/10.1186/s12940-020-00646-2 To learn more about the Renown Institute for Health Innovation, please visit: https://www.dri.edu/renown-ihi/ Renown Urgent Care provides treatment for a wide range of minor injuries, illnesses and medical concerns that are urgent but not life-threatening, that require same-day medical attention and avoid the long wait times and high prices of the emergency room at 13 convenient sites, including Reno, Sparks, Carson City, USA Parkway, Fallon and Fernley. You can walk-in or book ahead online. The Washoe County Health District offers online health information on its Be Smoke Smart website, including fire information, daily air quality information, fire and smoke maps and how to protect yourself. About the Desert Research Institute The Desert Research Institute (DRI) is a recognized world leader in basic and applied interdisciplinary research. Committed to scientific excellence and integrity, DRI faculty, students, and staff have developed scientific knowledge and innovative technologies in research projects around the globe. Since 1959, DRI's research has advanced scientific knowledge, supported Nevada's diversifying economy, provided science-based educational opportunities, and informed policymakers, business leaders, and community members. With campuses in Reno and Las Vegas, DRI serves as the non-profit research arm of the Nevada System of Higher Education. For more information, visit www.dri.edu. About Renown Health Renown Health is a locally governed, not-for-profit integrated healthcare network serving northern Nevada, Lake Tahoe and northeast California. Renown is one of the region's largest private employers with a workforce of more than 7,000. It comprises three acute care hospitals, a rehabilitation hospital, the area's most comprehensive medical group and urgent care network, and the region's largest and only locally owned not-for-profit insurance company, Hometown Health. Renown has a long tradition and commitment to improve the care and the health of our community. For more information, visit renown.org.
Read More About Wildfire Smoke More Dangerous Than Other Air Pollution For People With Asthma
Wednesday, Jul 14, 2021
Where There Is Smoke; There May Be More Headaches, Nausea And Coughing
Renown Urgent Care team prepares you to stay safe this season and is available seven days a week at 11 locations across northern Nevada Millions of people across the West live in areas where air pollution can cause serious health problems. Local air quality can affect our daily lives. Like the weather, it can change from day to day. The Northern Sierra Air Quality Management District issued an Air Quality Health Advisory for Plumas County, to notify the public of the possibility of poor air quality conditions resulting from the Beckwourth Complex Fire in addition to other wildfires in northern California. In addition, there is the potential for wind shifts to carry smoke to other parts of Plumas County from the Beckwourth and several other regional wildfires. Air quality is expected to vary greatly depending on fire behavior and weather conditions, with smoke settling in low areas at night and in the early mornings as long as these fires are active. The advisory mentions, "Exposure to elevated PM2.5 (fine particulate matter in smoke) concentrations can result in eye and throat irritation, headaches, nausea, shortness of breath, congestion, coughing, impaired lung function and chest pain, especially among sensitive individuals such as the elderly, children, people with asthma, people with heart or lung conditions, pregnant women and anyone who is exercising or working hard outdoors." Kouros Farro, MD, a physician with Renown Urgent Care advises that there are people who are more likely to be affected when fine particle pollution reaches an unhealthy level. People who have asthma or other breathing conditions like chronic obstructive pulmonary disease (COPD). People who have heart disease or high blood pressure. Children and older adults. People of all ages who are doing extended or heavy, physical activity like playing sports or working outdoors. "Everyone should take precautions when the air quality is unhealthy. Air pollution can aggravate heart and cardiovascular disease as well as lung diseases like asthma and COPD. When the air quality is unhealthy, people with these conditions may experience symptoms like chest pain, shortness of breath, wheezing, coughing, or fatigue. If you are experiencing any of these symptoms, use your inhalers as directed and contact your health care provider," says Dr. Farro, who is board certified in family medicine and practices at Renown Urgent Care at 975 Ryland St in Reno. "If you do not have a health care provider, know we have a Renown Urgent Care office on almost every corner, with providers ready to see you." Dr. Farro advises the following: Take it easy and listen to your body. Limit, change, or postpone your physical activity level. If possible, stay away from local sources of air pollution like busy roads and wood fires. If you have asthma or other breathing conditions like COPD make sure you have your relief/rescue inhaler with you. People with asthma should review and follow guidance in their written asthma action plan. Make an appointment to see your health provider to be sure you have an asthma action plan. "Even just one hour of smoke exposure can affect our lungs and hearts, and these consequences can reach people far beyond the direct area endangered by the fire. Children, older adults, pregnant women, people with preexisting cardiopulmonary disease, communities of color, economically disadvantaged communities, and people with preexisting chronic health conditions like asthma, diabetes, and obesity are all especially vulnerable to the air pollution that wildfires cause," says Dr. David Lemak, Division Chief of Urgent Care at Renown. Renown Urgent Care provides treatment for a wide range of minor injuries, illnesses and medical concerns that are urgent but not life-threatening, that require same-day medical attention and avoid the long wait times and high prices of the emergency room at 11 convenient sites, including Reno, Sparks, Carson City, USA Parkway, Fallon and Fernley. You can walk-in or book ahead online. You can get the latest fire and smoke information at the Washoe County Health District's Be Smoke Smart webpage. It includes information about air pollution levels and how to protect yourself from the smoke. An on-line subscription page allows you to sign up for EnviroFlash, notifying you about air quality. About Renown Health Renown Health is a locally governed, not-for-profit integrated healthcare network serving northern Nevada, Lake Tahoe and northeast California. Renown is one of the region's largest private employers with a workforce of more than 7,000. It comprises three acute care hospitals, a rehabilitation hospital, the area's most comprehensive medical group and urgent care network, and the region's largest and only locally owned not-for-profit insurance company, Hometown Health. Renown has a long tradition and commitment to continually improve the care and the health of our community. For more information, visit renown.org.
Read More About Where There Is Smoke; There May Be More Headaches, Nausea And Coughing
Together, will test over 30,000 qualifying study participants by 2023 for risk of cirrhosis and liver-related illnesses. Renown Institute for Health Innovation (IHI) announced today that the organization and Gilead Sciences, Inc. will be joining forces with Siemens Healthineers to offer the Enhanced Liver Fibrosis (ELF™) Test to people with risks for nonalcoholic steatohepatitis (NASH) enrolled in the Healthy Nevada Project (HNP). The ELF Test will help identify people most at risk for progressing to cirrhosis and liver-related outcomes and allow healthcare providers to intervene before irreparable damage occurs. This noninvasive blood test uses three serum biomarkers to create an ELF score from a predefined algorithm, which can be used by doctors to help evaluate if a patient requires increased medical care and monitoring for their condition. Nonalcoholic fatty liver disease (NAFLD), which includes NASH, is prevalent in Nevada and under-diagnosed, likely affecting more than 500,000 adult Nevadans. If undetected and untreated, NASH can result in liver cirrhosis and may require liver transplantation or lead to death. There are more than 12,000 people on a waitlist for liver transplantation in the U.S. and this number continues to rise due to the increasing prevalence of NAFLD. "Thanks to important data collected through our Nonalcoholic Steatohepatitis Liver Disease Genome Atlas study, we now know that NASH is prevalent in the state of Nevada," said Tony Slonim, M.D., DrPH, FACHE, president and CEO of Renown Health. "We are proud to expand our partnership with Gilead and begin working with Siemens Healthineers to improve health of those with liver disease and to take early detection one step further by offering Enhanced Liver Fibrosis, ELF testing for patients of Renown Health. This test provides our team of highly-skilled physicians an advanced, noninvasive method to actively assess dynamic liver fibrosis in study participants and intervene whenever necessary, contributing to a healthier Nevada." "Gilead believes that noninvasive tests, including the ELF Test, will help improve the experience of people living with NASH. These tests may help to diagnose liver disease, monitor disease progression and evaluate responses to treatment without the requirement for liver biopsy," said Rob Myers, MD, Vice President, Liver Fibrosis Clinical Research at Gilead Sciences. "The ELF Test has proven itself to be a valuable tool in NASH management and we hope this partnership will further support its use in routine care." "We are very pleased that NASH patients in the Healthy Nevada Project now have access to the ELF Test which offers clinically useful prognostic information for their condition with the convenience of a simple blood test. Using our advanced laboratory expertise together with Renown IHI and Gilead, we can work towards better understanding of NASH and liver disease in a representative patient population," said Sebastian Kronmueller, Head of Molecular Diagnostics at Siemens Healthineers. "We launched the Healthy Nevada Project to help people understand more about their health, to identify serious health risks, and to give people access to innovations like the ELF Test, so they can live their best lives," said Renown's chief scientific officer, Dr. Joseph Grzymski, who is also a research professor at the Desert Research Institute and principal investigator of the Healthy Nevada Project. It's incredibly rewarding to be able to report clinical findings to help our 50,000 volunteer study participants, and to assist healthcare providers in helping their patients." The provision of the ELF Test builds on a previously announced strategic collaboration between the Renown IHI and Gilead in July 2019. This ongoing partnership aims to collect and analyze de-identified genetic and electronic health data from 60,000 qualifying study participants to enhance the understanding of NAFLD and NASH and to potentially inform development of treatment options for these diseases. About NAFLD and NASH NAFLD is a build-up of fat in the liver of people who do not have a history of alcohol misuse. It is normal for the liver to contain some fat, but if more than 5 percent of the liver content is fat, it's considered a fatty liver (steatosis). NASH is the most severe form of NAFLD in which a person has liver cell damage and inflammation of the liver. Inflammation and liver cell damage can cause fibrosis, or scarring of the liver, and can cause decreased liver function (1). The symptoms of NASH are often silent or non-specific, making it difficult to diagnose. About one-third of people with NASH develop cirrhosis or irreversible liver damage (2). About the ELF™ Test The ELF Test is a noninvasive blood test that can quickly identify which patients are at an elevated risk for developing cirrhosis and other liver-related clinical events (LREs). In contrast to standard liver enzyme tests that reflect liver damage that has already occurred, the ELF Test combines three serum direct biomarkers of active fibrosis. The ELF Test algorithm measures each of these biomarkers to create an ELF score, which can be used as an aid to assess the risk for future disease progression. Doctors may use this ELF score to help evaluate if a patient requires increased medical care and monitoring for their condition. Individuals interested in determining their risk for NASH and its progression are encouraged to enroll in the Nonalcoholic Steatohepatitis Liver Disease Genome Atlas study. Those who have already consented and participated in the study will be contacted with more information on how to receive an ELF blood test. For more information or to enroll, please contact RenownIHI@renown.org or (775) 982-6914. The Enhanced Liver Fibrosis (ELF™) Test kit is not available for sale in the U.S. Product availability may vary from country to country and is subject to varying regulatory requirements. In the U.S., the ELF Testing Service is available from Siemens Healthcare Laboratory, LLC (SHL), a CLIA-certified laboratory located in Berkeley, Calif. The ELF Testing Service, including the establishment of performance characteristics, was developed by SHL. The ELF Test has not been cleared or approved by the U.S. Food and Drug Administration. SHL is regulated under CLIA as qualified to perform high complexity testing. The ELF Test is used for clinical purposes and should not be regarded as investigational use only or research use only. About Renown Health Renown Health is the region's largest, locally owned and governed, not-for-profit integrated healthcare network serving Nevada, Lake Tahoe and northeast California. With a diverse workforce of more than 7,000 employees, Renown has fostered a longstanding culture of excellence, determination and innovation. The organization comprises a trauma center, two acute care hospitals, a children's hospital, a rehabilitation hospital, a medical group and urgent care network, and the region's largest, locally owned not-for-profit insurance company, Hometown Health. Renown's institute model addresses social determinants of health and includes: Child Health, Behavioral Health & Addiction, Healthy Aging and Health Innovation. Clinical institutes include: Cancer, Heart and Vascular Health, Neurosciences and Robotic Surgery. Renown is currently enrolling participants in the world's largest community-based genetic population health study, the Healthy Nevada Project®. For more information visit, renown.org. About the Renown Institute for Health Innovation Renown Institute for Health Innovation is a collaboration between Renown Health - a locally governed and locally owned, not-for-profit integrated healthcare network serving Nevada, Lake Tahoe and northeast California; and the Desert Research Institute - a recognized world leader in investigating the effects of natural and human-induced environmental change and advancing technologies aimed at assessing a changing planet. Renown IHI research teams are focused on integrating personal healthcare and environmental data with socioeconomic determinants to help Nevada address some of its most complex environmental health problems; while simultaneously expanding the state's access to leading-edge clinical trials and fostering new connections with biotechnology and pharmaceutical companies. Learn more at healthynv.org. Renown Health is Nevada's most comprehensive and integrated healthcare network and maintains electronic health records for 1.02 million registered patients. In 2016, Renown Health and the Desert Research Institute established the Healthy Nevada Project (HNP), the nation's first community-based population health study. In 2017 HNP began a partnership with Helix to leverage its population health services, Exome+™ sequencing, and consumer engagement tools. The HNP is now an ongoing collaboration between Renown IHI, the Desert Research Institute, a global leader in environmental data and applied research, and Helix, a personal genomics company. HNP combines genetic, environmental, social and clinical data to address individual and community health needs with the goal of improving health across the state and the nation. The HNP currently has over 60,000 participants. For more information, visit healthynv.org. About Siemens Healthineers Siemens Healthineers AG (listed in Frankfurt, Germany: SHL) is shaping the future of Healthcare. As a leading medical technology company headquartered in Erlangen, Germany, Siemens Healthineers enables healthcare providers worldwide through its regional companies to increase value by empowering them on their journey towards expanding precision medicine, transforming care delivery, improving the patient experience, and digitalizing healthcare. Siemens Healthineers is continuously developing its product and service portfolio, with AI-supported applications and digital offerings that play an increasingly important role in the next generation of medical technology. These new applications will enhance the company's foundation in in-vitro diagnostic, image-guided therapy, and in-vivo diagnostics. Siemens Healthineers also provides a range of services and solutions to enhance healthcare providers ability to provide high-quality, efficient care to patients. In fiscal 2020, which ended on September 30, 2020, Siemens Healthineers, which has approximately 54,000 employees worldwide, generated revenue of €14.5 billion and adjusted EBIT of €2.2 billion. Further information is available at www.siemens-healthineers.com.Media Contact for Siemens Healthineers: Lance LongwellM: 610-448-6341E: lance.longwell@siemens-healthineers.com
The Healthy NV Project® launches a new study to identify how private well water could impact the health of those living in the household. You use your faucet to wash your hands, make coffee and fill your water bottle. However, for approximately 41,000 people in Washoe and Churchill Counties who rely on private well water, there may be unseen contaminants present in their H2O, which could be affecting their health. The Healthy Nevada Project®, with support from the National Institutes of Health (NIH), is launching a new study to discover how private well water quality impacts the health of well owners. By providing free water testing kits to interested Healthy Nevada Project® participants, researchers will collect samples and give results back to well owners, along with resources for potential treatment options. Data from previous studies in Nevada show elevated concentrations of heavy metals in some private, household wells. Since water from household wells is not monitored for quality by government agencies, well water testing helps ensure water does not contain dangerous levels of heavy metals, such as lead, which can lead to adverse health impacts. Those with a household well interested in receiving a free water testing kit must be enrolled in the Healthy Nevada Project's population genetic screening study and consent to be a part of further research. People interested in joining the study can simply sign up to receive a genetic spit test kit in the mail or join the waitlist to be notified when in-person testing resumes. "The goals of the Healthy Nevada project are to improve population health and better understand processes that increase disease risks, such as cancer. In this study, we engage with our study participants and inform them about the impact of the environment on their health, while researching environmental contaminants that may elevate cancer risk," said Joseph Grzymski, Ph.D., research professor at DRI, principal investigator of the Healthy Nevada Project® and chief scientific officer for Renown Health. "During a time where people are spending more time at home, we're excited to launch this multi-disciplinary study that dives into possible health impacts of a household's water source." "As the Healthy Nevada Project continues to serve over 54,000 research volunteers, we are proud to provide helpful information to participants, so they can make life-changing improvements to their home environment," said Tony Slonim, M.D., DrPH, FACHE, president and CEO of Renown Health and co-director of the Healthy Nevada Project. "This allows every person with well water in Nevada, to have important information, at no charge, to help live healthier and better lives and to protect their family's health." The Healthy Nevada Project® is the fastest-enrolling genetic study in the country. The Project is also the first of its kind to return clinical results to study volunteers, which means participants can learn their genetic risks tied to heart disease and certain cancers, as well as lifestyle changes that could potentially help reduce their risk and prevent disease. To enroll in the Healthy Nevada Project, please visit healthynv.org. Renown Institute for Health Innovation is a collaboration between Renown Health - a locally governed and locally owned, not-for-profit integrated healthcare network serving Nevada, Lake Tahoe and northeast California; and the Desert Research Institute - a recognized world leader in investigating the effects of natural and human-induced environmental change and advancing technologies aimed at assessing a changing planet. Renown IHI research teams are focused on integrating personal healthcare and environmental data with socioeconomic determinants to help Nevada address some of its most complex environmental health problems; while simultaneously expanding the state's access to leading-edge clinical trials and fostering new connections with biotechnology and pharmaceutical companies. Learn more at healthynv.org.


Let's be honest today. You know you've got something. You know there is something that you can rock in a way that only you can: Parlor tricks you learned in fifth grade that magically entertain restless kids at the family gathering; dated jokes that amuse your crabby uncle at Sunday dinner; starting the campfire with tinder and a flint block; deciphering the ingredients of Kabocha Croquettes in umami sauce after only two savory bites (my cousin can with most restaurant dishes… love it).
Consider the little things that you are able to do that very few, if any of your other friends can or are willing to do themselves and love you for it. Even if you don't think much of it. What is it that you may be underestimating in yourself. We aren't islands. As people we are meant to be social, and whether we are extroverts, introverts, or ambiverts (like me) we all have things to share within our circles and within our communities. We must give ourselves credit for the hodgepodge of skills we've acquired in our lifetimes that actually may contribute to other people's enjoyment. Especially in our 30s, we have to remember to start sharing again.
I have mentioned my background as a teacher on this blog . Even though I haven't officially worked in my own classroom for some time, my teacher brain, no matter how much I try, is still on, and doubt it will turn off unless I give it another place to live. So in this regard it is an incredible pleasure to say where I am now going to share that particular "something" of mine.
My contributor profile on Jennifer Cooper's Classic-Play.
In June '12, I made my first foray into online classes via Alt Summit and met the wonderful Jennifer Cooper. As the speaker for the online course, "Writing and Finding Your Voice," she was instrumental in getting me excited about working at blogging one step at a time. If you have not yet visited Classic Play, I urge you to first of all, because her features are more than a touch cooler than other family focused blogs. I don't have a family and yet I love reading her activities and ideas. It's a very engaging site. Second, you HAVE to visit now because my very first Cooking With Kids contribution was posted yesterday right here.
My intention is to encourage parental involvement in small group cooking activities for school or a play date in a way that is fun, approachable and meaningful. It is lesson plan style, but if you go through it, you'll see it is segmented for developmental appropriateness, and therefore is adaptable to each facilitator's needs. At least that is what the idea is. I do not claim that the recipes will be extremely innovative, but the techniques for group facilitation and substitution of ingredients to accommodate different sensitivities is how I hope to consistently provide something of value. (wow, talk about being in teacher brain mode).
So will you please check it out? Tell me what you think! Unless you don't like it in which case silence is golden. I'm kind of kidding… kind of.
More importantly, will you give some thought into what else you have within yourself to contribute? It can be one "something" or seven "somethings". What and how will you do it? I am convinced you may already know what your "something" is.
Just clicked over to read your post. Those photos are adorable! What a great idea! My son used to love to bake with me when he was younger, and even now, he sometimes asks to help. As for my "something?" Hmmmm…still thinking on that one!
I have no idea what that something is! Eek. Maybe taking care of children, but that's just because I've been doing it for SO long and that's kind of been my focus. But I don't think I'm particularly good or particularly creative. I can be relaxed because I see the bigger picture, but I can also be lazy. You've totally got me thinking on this!!
You have so many somethings from what I can tell so far!!! 😉 Thanks for checking out Classic Play!!!!
You are like everyone else, not giving yourself credit where it is due. You'll think of something, and when you do, BE PROUD! 😉 Welcome back, you've been missed!!!!


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Undrafted: Getting to Know 49ers RB Matt Breida
We continue our series getting to know the San Francisco 49ers unheralded standouts with running back Matt Breida. The former Georgia Southern ball-carrier has been turning heads since the offseason program and has continued his strong play into camp.
As will be the case in each part of this series, we asked Breida to share a scouting report of himself.
"I'm a guy who is going to get the job done," he began. "I'm not selfish. I'll play anywhere on the field – special teams, fullback, wide receiver, etc. I'm a speed runner, but I also like to run physical. I pride myself in 3rd-and-1 situations when the game is on the line, and we've got to get the first down. I want the guys to know that they can count on me to make the big plays for them."
Breida had standout sophomore and junior campaigns with 17 touchdowns in both seasons. In 2015, he set a career high with 1,609 rushing yards. But a subpar senior season put his draft stock in doubt. Without an invitation to neither a college All-Star game nor the NFL Scouting Combine, Breida's pro day served as his only pre-draft opportunity to impress scouts.
The running back didn't disappoint. Breida's hype train started rolling after he posted a 4.37-second 40-yard dash, a 42-inch vertical jump, an 11-foot-2 broad jump and 23 reps on the bench press.
"I ran that in the rain. Many people don't know that," Breida said. "Scouts wanted to see my workout numbers match the tape, and I was able to do that.
"I was feeling really good. I showed them that I was still the same back that I was my sophomore and junior year."
At least 16 teams reached out following his impressive pro day. As the draft wore on, however, Breida began to accept that he might not hear his name called. A call from the 49ers lifted his spirits.
"They were surprised I hadn't gotten picked yet," Breida said. "They told me they were waiting to get in free agency."
The Baltimore Ravens came on strong as well, but Breida ultimately felt like he was wanted more in San Francisco. The opportunity to play in Kyle Shanahan's offense was one he couldn't pass up.
"I knew that they wanted me here, and I knew that I had a shot at playing," Breida said. "You always want to go where you're wanted. I believe in what Coach Shanahan is doing and the scheme that he's running. I feel like it's a good scheme for me."
The hype surrounding Breida's prospects at making the 49ers roster continues to build. ESPN's Adam Schefter went on record this week to say that Breida is "going to make" the team. The running back has also been receiving positive reviews from the likes of Shanahan, John Lynch and his position coach Bobby Turner.
Breida knows that there are aspects of his game that need improving (he noted pass protection as one of them), but the undrafted rookie believes that he has the ability to be a three-down NFL running back.
"I think I'm doing well, but I've always got to do better the next day," he said. "They tell me I'm doing a great job, but I know in my head that I've got to keep it up.
"I appreciate those guys giving me a shot and believing in me. I love the 49ers. I'm happy to be a Forty Niner, and I can't wait to continue this long journey."
(Fun fact: Breida's last name is pronounced "Bree-duh" and not "Bray-duh". The more you know.)


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Kentucky football wins at Tennessee for first time since 1984 in 34-7 blowout
Jon Hale
Louisville Courier Journal
For the first time since 1984, the Kentucky football team has won a game at Tennessee.
The Wildcat defense did the heavy lifting in the first half by forcing four turnovers, including two interceptions returned for touchdowns. Quarterback Terry Wilson and the offense then took over in the second half, giving the Wildcats' their first complete performance of the season in a 34-7 win over the No. 17 Volunteers.
The victory is just Kentucky's third in the last 36 games against Tennessee. It snapped a 17-game losing streak for UK in Knoxville.
Here are three things we learned from the win.
Time to give some more respect to Terry Wilson
The SEC Network broadcast began with talk that UK quarterback Terry Wilson's job was in jeopardy while Tennessee quarterback Jarrett Guarantano's was not despite uneven performances from both this season.
By the end of the game, Tennessee was playing its third-string quarterback and Wilson had become the first UK quarterback since Derrick Ramsey in 1977 to lead Kentucky to wins at Florida and Tennessee in his career.
Wilson's stats do not jump off the page, but he completed 12 of 15 passes for 101 yards and one touchdown and gained 32 yards on eight carries. UK receivers had a chance to catch all three of the incompletions.
Game recap:UK beats Tennessee in Knoxville
Kentucky's offense did not score a touchdown until the third quarter, but the early struggles reinforced the problems have more to do with the receivers than Wilson. Yes, Wilson lost needless yards by not throwing away the ball on a couple of early plays, but he does not need to be perfect when the defense is playing this well and the run game is working.
Having former top-50 recruit Joey Gatewood on the bench is a nice insurance policy for Kentucky, but Wilson deserves to feel comfortable in his hold on the starting job.
"Terry is our starting quarterback," Kentucky coach Mark Stoops said after the game. "That's how we went into it. Period, the end. He's our starting quarterback. If he didn't play well or just played really bad then we have other options. We have guys to go to. That's no different from any position."
Interceptions, Interceptions, Interceptions
Remember when just more than a week ago Kentucky was one of just two teams in the country to play multiple games without forcing a turnover?
Now Kentucky is among the nation's leaders with nine interceptions across the last two games, including three interceptions returned for touchdowns.
Against Tennessee, much-maligned cornerback Kelvin Joseph started the scoring with an interception returned 41 yards for a touchdown in the second quarter. Six plays later, linebacker Jamin Davis returned an interception 85 yards for a touchdown. Tennessee's next drive ended with an interception from safety Tyrell Ajian.
Those plays gave Kentucky nine interceptions in a span of 16 drives. In all of the 2019 season, 55 of 130 FBS teams, including Kentucky, had nine or fewer interceptions all season. Only 21 teams had more interception return yards last season than UK's 215 in the last two games. Only six teams had more than three interceptions returned for touchdowns last season.
After being torched by Ole Miss -- something that looks less embarassing considering the Rebels' continued stellar offensive performances -- defensive coordinator Brad White said his unit was still searching for its identity.
The Kentucky defense appears to have found that identity now as a relentless turnover-forcing machine.
"Our identity honestly is just to prove everybody wrong and just remember that one day they can be rooting for us and the next day they can turn their backs on us," Davis said. "We're just doing what we've got to do to prove everybody wrong."
Quinton Bohanna injury is one negative
UK closed out the win without senior nose guard Quinton Bohanna, who was sidelined with a knee injury just before halftime.
SEC Network cameras showed him in considerable pain on the field after the play, and he had to be helped by trainers to limp to the sideline. Bohanna was then taken to the locker room on a cart.
After the game, Bohanna tweeted he was OK, and Davis said he thought his teammate was fine.
His injury came one week after Bohanna forced two interceptions by pressuring Mississippi State's quarterbacks.
News:Quinton Bohanna doubtful to return versus Tennessee due to injury
"We wouldn't say he's a finished product, but every day he works," UK defensive coordinator Brad White said of Bohanna on Wednesday. "He's been getting better throughout the season. It happened to sort of culminate on Saturday for everybody to see, but he's had some really, really solid rushes throughout the first two weeks."
On the season, Bohanna has been credited with four tackles, one-half tackle for loss and one pass breakup, but his ability to take up multiple blockers at 6-foot-4, 357 pounds often brings benefits not evident in the box score.
"So many people, they go right to the stat sheet," White said. "It's the effect he has on the quarterback, the effect those guys up front have on the vision points for the quarterback. If you can put a big body in a pass lane, you can put a big paw up. ... Really pleased with his progression and the fact that he's owned up to sort of his deficiencies (in the pass rush) and known in the past that we needed more in that area.
"The other thing that's probably not being talked enough about is his conditioning and how many snaps he can play at full speed and still get out of the stack. He runs and he hustles. It's been impressive."
Email Jon Hale at jahale@courier-journal.com. Follow him on Twitter, @JonHale_CJ.


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6 Ways to Help Team Members Hold Colleagues Accountable
by Gregg Gregory
In this series, I've focused each individual article on a step to building a strong and cohesive team. In the event you have not seen the previous articles here are the links for you to catch up:
Trust and respect
Harmonizing skills
Having conflict around ideas
Committing to a unified mission
Pursuing team goals on an agreed upon course
Now that the team's foundation is solid, with everyone committed to the team's mission and course, the challenge now becomes how team members can hold each other accountable.
In my workshops, a common question that arises is, "How do you hold a colleague accountable without making them feel like you are attacking them?" Before we can address this head-on, let's look back to a portion of our foundation approach.
How do you hold a colleague accountable without making them feel like you are attacking them?
Once your team has achieved vulnerability trust, has successfully worked through conflict around ideas rather than making conflict personal, and has truly committed to the mission, holding each other accountable is much easier. The secret behind this is that everyone needs to be heard.
Think about yourself for a moment. If you are truly committed to doing your best, do you find yourself not wanting to let other people down? Do you sometimes put off your own personal goals to help others? I know that, for me, if I have committed to someone else to do something (personal or professional), I will do whatever it takes to help that person. That is why "accountability partners" are a great tool! I have used accountability partners for years in my business, and I know my business is stronger because of them.
As critical as it is for teams to set accountability expectations, there must also be leadership accountability. Let's look at an example:
Sarah works for a reasonably large retail company's service desk. When they were in the process of developing and rolling out new POS software to the entire organization, she knew that she needed the team to be 100% accountable to each other if the project was going to be a success. The challenge was that while Sarah's direct supervisor, David, was a fun, engaging manager, he never held anyone on the team accountable.
Sarah is a strong and confident employee who never misses a deadline. She knew that she had to engage David in some way to hold everyone accountable. Knowing this was not an issue for her, Sarah went to David in the early stages and said that she had a lot on her plate and was struggling with a few things. She asked David to hold her accountable during each step of the process. Of course, David now stepped up and said he would. As the team began to notice David holding Sarah accountable, he also began holding other team members accountable. This set a precedent that allowed team members to begin holding each other accountable.
Here are a few ideas that you might employ to help make mutual accountability a reality on your team.
Have team members pair up with their own accountability partner.
Accountability partners can be rotated every month, or every quarter, to create a more balanced and mutual accountable setting.
Have an accountability meeting on a regular basis. The timing can vary depending on current tasks or projects.
Make sure that holding each other accountable is a safe zone for team members.
Never allow accountability to become personal.
Celebrate every level of success.
Once team members are comfortable holding colleagues accountable, it is infinitely easier to focus on team-based results. Unfortunately, too often, teams begin to anticipate results rather than building a firm foundation for the team. Like any tall building, the foundation is the incredible amount of the structure underground that supports the building above.
As I have mentioned a number of times over the years, teamwork is the single greatest advantage any organization can have in today's competitive workplace. While teamwork is not hard, it is also not a one-time event. It is ongoing and requires constant attention and adjustment.
If your team follows this systematic approach to teamwork, your service desk team can be transformed and become the envy of everyone within your organization.
Gregg Gregory is America's teambuilding mastermind, specializing in building winning cultures at every organizational level. A Certified Speaking Professional (CSP) with more than 35 years working at all levels within in corporate America, Gregg has delivered more than 2,000 keynotes and teambuilding trainings to more than 500 companies in the past 20 years. Named an HDI Top 25 Thought Leader in 2017, his expertise and articles have appeared in hundreds of business and trade publications, including SellingPower.com, Boardroom Magazine, and Drake Business Review. Follow Gregg and Teams Rock on Twitter @TeamsRock, Facebook, and LinkedIn.
Tag(s): supportworld, workforce enablement, workforce enablement, team building, teamwork, leadership
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Steve McQueen and actor Lee Majors share a beer at the Santa Paula Airport, May 1979.
Steve McQueen's last hometown is paying tribute to its most famous resident with a weekend of aviation and family-related activities.
The Aviation Museum of Santa Paula will welcome home Barbara McQueen with a VIP reception, dinner and booksigning on Saturday, December 6 at the Santa Paula Airport. The 5 p.m. reception will include a catered dinner, slide show and booksigning for Steve McQueen: The Last Mile.
This is Barbara McQueen's first trip back to Santa Paula since her late husband's 1980 death.
The tax-deductible (as allowed by law) dinner is $50 with proceeds benefiting the Aviation Museum of Santa Paula. Seating, however, is limited and attendees are asked to RSVP by December 1, 2008. Please call (805) 525-1109 or e-mail mcqueenevent@amszp.org to RSVP.
The Santa Paula Airport will salute the life of Steve McQueen on its "First Sunday Open House," on December 7. Privately owned hangars open their doors to unveil a variety of vintage aircraft, cars, and memorabilia, which are on display for the public from 10 a.m. to 3 p.m. Several other aircraft owners will put their antique aircraft on static display and many vintage aircraft also fly in each month. Car and motorcycle clubs will also display their machines on the airport's taxiways and the Museum Tram will provide travel between hangars. The Experimental Aircraft Association Chapter 723 offers free airplane rides to kids ages 7-17. Barbara McQueen will also sign, Steve McQueen: The Last Mile at the five-hour extravaganza.
Steve McQueen: The Last Mile is a photo book that captures wonderful and unique images that the very private actor allowed to no one else. Barbara soon discovered that the screen legend she had idolized since a kid was a determined individualist who loved vintage planes, motorcycles and cars and admired the men who flew and drove them above all others.
For more information on both McQueen events, visit www.amszp.org.


I truly enjoyed photographing Ashley and Ernie's wedding in Palm Springs California. The bride was stunningly gorgeous and so photogenic, she honestly can't take a bad photo lol. I especially loved the fact that it was going to be a sunset wedding in the Dessert :) Ashley and Ernie are so sweet and their two boys are so adorable it was such a pleasure to be part of this special event!


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If you are in Long Island, Brooklyn, Queens, The Hamptons, or other surrounding areas, contact ForeverLawn today for a free consultation on your artificial grass project.


Mums with babies and school children, through to the elderly are catered for. There are board books to babble over, good mysteries to be scared by, heart-warming romances for a cold winter's day, information for school, ideas for gardening projects; as well as a great range of magazines for a lighter read. If you don't find what you're looking for, we can order books from any of our other libraries for you.
Head along to your bookbus, it's a great place to meet up with friends and neighbours, borrow a book or just have a chat.
For details about other bookbus stops, or for more information about Dunedin Public Libraries, check out www.dunedinlibraries.govt.nz or ring 474 3690.


this year, in addition to cancel, modify the administrative examination and approval, the west district will be in the district administrative services hall set up 6 integrated service window, the implementation of the Department of the joint trial. And the installation of electronic monitoring and electronic evaluation system in the service window, effectively promote the service window quality and efficiency. At the same time, will promote the community burden project, trying to implement the social forces to undertake pension service model.


Did you know that some 150 different plants grow in Starr King Open Space – and more than twenty of the 150 plants are the gorgeous wildflowers that make California's wild lands such a special springtime treat?
The Land Stewardship Committee of the Board of Directors leads annual Wildflower Walks and invites you to take part in the 1st walk of the 2013 season!
Don't miss it: Sunday, April 14, starting at 11 a.m. and lasting approximately 1 hour.
Meet on Carolina at Coral loop across from Starr King Elementary School.
To the right is a chart with photos and names of 20 wildflowers you an find on Starr King Open Space. If you'd like, bring one with you to the Wildflower Walk; just click on the image, and print the full size PDF. Or, if you can't join us on Sunday, do your own wildflower walk with the flier in-hand and see how many you can find!


locomente...: Happy Onam - എല്ലാവര്‍ക്കും ഓണാശംസകള്!
Happy Onam - എല്ലാവര്‍ക്കും ഓണാശംസകള്!
Onam always reminds me of how my mother and i would put large flower carpets in Bangalore… It used to be an eye candy for all…. I used to enjoy observing those envious stares! And I also remember that we made a similar large flower carpet in Kerala…. And within minutes, a bunch of goats came and ate all the flowers… That beautiful flower carpet was replaced by a mess of few flowers… stems and grass scattered here and there.. I was nine years old then and I decided that I will never put flower caret in my life!!! I cried endlessly. Recalling that incident now… I am smiling… Onam has always been such a fun!!!
Have loads of fun and payasam indeed!!! Wink!!!
My best and warmest Onam greetings to you and your family.
Bring prosperity and fulfillment to your Life..
And here I am wishing u Happy Onam in advance !


If you are looking for dental implants in Indianapolis, contact Dr. Ben Ahlbrecht at North Meridian Dental Excellence. Dental implants have been used successfully for smile restoration for the last 50 years and are the most conservative and longest-lasting treatment for replacing missing teeth. Implants are also useful for supporting dentures and bridges to correct more extensive tooth loss. Dental implants are prosthetic replacements for missing or severely damaged teeth. Dental implants placed by our Indianapolis office deliver an unprecedented level of patient satisfaction. Contact our team to learn more today.
Tooth implants provide a natural-looking appearance and long-lasting function. They are the gold standard for smile makeovers and dental restoration. If you are in the Indianapolis area and have lost one or more teeth to fractures, gum disease or tooth decay, Dr. Ben Ahlbrecht can help you regain your beautiful smile.
If you have undergone extractions or are congenitally missing one or more teeth, we recommend speaking with Dr. Ben Ahlbrecht about getting the dental implants from our Indianapolis office. There is no upper age limit for this treatment. The most important factor in success rates for implants is bone density. Patients who have very advanced periodontitis (gum disease) may not have enough bone left to hold an implant. They may need one or more bone grafting procedures to boost their candidacy before they can get tooth implants. Smokers have more complications during healing than non-smokers, so if you smoke, we recommend quitting before you undergo this dental treatment.
Consultation – This includes a full oral exam, medical history, x-rays and a CT scan. This information is used to determine if you are a good candidate for dental implants, as well as what size and shape of implant to use.
Healing – This phase lasts around 2 months. During this time, your jawbone heals around the implant.
Contact our office today if you are interested in learning more about dental implants in our Indianapolis office!


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Black Monday 30 years on…
Black Monday 30 years on: how it happened and what we can learn
It has been 30 years since Black Monday, the biggest one-day fall in stockmarket history. We look at what happened and how today's markets compare to 1987.
David Brett
On 19 October 1987 global stockmarkets came crashing down amid worries about a slowing global economy and high stock valuations. The concerns were compounded by a computer glitch.
In the space of 24 hours stockmarkets in Asia, Europe and the US suffered falls of up to 23%.
It was the biggest crash in living memory. In the US, the Dow Jones fell 22.6%, destroying the previous record one-day fall of 12.8% set during the Wall Street Crash of 28 October, 1929.
However, with the help of central bankers stockmarkets recovered. Five years after the event stockmarkets in the UK, Europe and the US were rising by as much as 15% a year.
The chart below illustrates the performance of stocks before, during and after Black Monday.
The blue column shows the annual rate of return for stocks in the five years leading up to the crash.
The dark green column is the percentage change in stocks on Black Monday.
The light green column is the precentage change in stocks in the five years after Black Monday.
Below we relive what happened and the lessons it can offer to investors today.
In October 1987 stockmarkets were in the midst of a five-year bull-run. The global economy had recovered from the recession and stagnation that had blighted the 1970s. Credit was expanding, house prices were rising and investors were in bullish mood. But things were about to turn sour.
A great storm was on its way to cripple the UK. Appropriately enough, Michael Jackson's Bad was on the verge of topping the US billboards charts. At the cinema Fatal Attraction was a box office smash just as investors' love affair with the stockmarket, albeit briefly, was about to end.
In the space of 24 hours on 19 October, global stockmarkets went into freefall. Yet few could put their finger on the exact reasons why.
In the years since, investors have blamed worries surrounding a turn in the fortunes of the global economy and rising inflation. Others have pointed to rumours of an interest rise in the US and political tensions between the US and Iran that were threatening to spill over.
The global financial crisis 10 years on: six charts that tell the story
20 years on: could the Asian financial crisis be repeated?
There has been much conjecture.
What can't be argued with is the fact that there was a collective panic across markets.
Losses were exacerbated by new computerised trading floors that were ill equipped, at the time, to prevent the collapse from spreading.
It came after a period of sustained gains. Most stockmarkets in developed countries had been growing at more than 30% a year in the five years up to Black Monday – gains that have not been repeated since. It took valuations to record highs.
As stockmarkets plunged and investors panicked, central bankers took action: interest rates were cut and the Federal Reserve "encouraged" banks to continue lending to ensure the flow of money wouldn't dry up.
Those policies worked. In the five years following the crash, stockmarkets made a strong recovery.
US stock prices grew by 14.7% a year. UK and European stockmarkets rose at rates of 8% and 7.6%, respectively, while global stockmarkets as a whole posted annual gains of 6.3%. The Japanese stockmarket was the notable exception - a banking crisis left investors facing annual average falls of 7.2%.
What can we learn from it now?
While high stock valuations can contribute to a fall they are not necessarily the catalyst. As the table below illustrates, valuations in the US, UK and Europe are higher now than they were in 1987, yet stockmarkets continue to hit record highs.
How stockmarket valuations compare
In 1987 there was a more obvious path for investors to take to protect their money. In government bonds they could still find a healthy return as well as the required protection for their investment.
The yields on 10-year government bond yields in developed countries such as Japan, Germany and the US were as much as 9.9%.
Find out how to value stockmarkets
In the UK, the figure was 10.1%. Today, the highest yield, among those countries, is 2.9% for US bonds. In the UK it is 1.28%, while Germany and Japan are closer to zero.
The path to protecting your money now is not so obvious.
How government bond yields compare: 1987 and 2017
Views from the fund managers
Matthew Dobbs, an equities fund manager who was in London at the time of Black Monday and is today Head of Global Small Cap, said:
"It is easy to understand why investors might be concerned about investing in stocks now. Stockmarkets continue to reach new highs and equity valuations are similar now to what they were in 1987. But there is big difference today: the risk-free rate is very different.
"What I mean is that that the yields on bonds and interest rates in banks, where there are fewer risks to losing your investment, are now very low compared to the dividend yield on the stockmarket, which is around 4%.
"So, where would you put your money? If you don't have it in stockmarkets then you're not paid much for having it in the bank and not paid much for having it in the bond market.
"Despite that I still don't think too much money is going into stockmarkets. People are cautious towards stocks because of what happened during the global financial crisis of 2007 and 2008. Although it was 10 years ago it still feels like it happened quite recently."
Andrew Rose, equities fund manager, recalls the surreal atmosphere in London that surrounded Black Monday.
"It was an exceptional time for the stockmarket. We hadn't seen anything like the performance in stock prices before and we haven't seen anything like it since. And it coincided with one of the greatest storms the UK has ever seen, which bizarrely ended up contributing to market falls.
"The storm happened on the Thursday night before Black Monday. There was hardly anyone in the Schroders' London office on the Friday or anywhere in the City.
"Matthew and I were in work because our tube line was running. Anyone coming in on overland trains had no hope. Fallen trees were strewn across roads and rail lines.
"With markets closed it meant that investors had to carry their positions throughout the weekend because they couldn't square them on the Friday. But traders had bought portfolio insurance – a mechanism that automatically sold investments into a market when the price hit a certain level.
"Investors thought it was a free lunch and losses would be limited. But everyone was a seller and no one was a buyer when markets went into freefall on Monday morning. The automated mechanism of selling at a certain price failed. In fact, it exacerbated the issue.
"Ironically, if they hadn't taken out this sort of insurance then markets might never have fallen as much as they did.
"At the time you felt it was the end of the world, but looking back it was just a blip. The UK and the US stockmarkets rebounded strongly in the late 80s and throughout the 90s.
"Could it happen again? Procedures are now in place to prevent stockmarkets falling so far, so fast. There will always market peaks and troughs but over the long term, stocks have delivered superior returns."
The market blip that was Black Monday
The chart below reflects the fluctuations in the US stockmarket since 1970. It illustrates how Black Monday registered as barely a blip in the long term and how resilient stocks have been over the last 47 years.
Those who invested after Black Monday would have seen $100 turned into $1,135 without considering the dividend income paid out. That high return was achieved despite remaining invested through the dotcom crash of 2000-03 and the global financial crisis of 2007-09.
MSCI USA: 1970-2017 and the blip that was Black Monday
The views and opinions contained herein are those of Schroders' investment teams and/or Economics Group, and do not necessarily represent Schroder Investment Management North America Inc.'s house views. These views are subject to change. This information is intended to be for information purposes only and it is not intended as promotional material in any respect.
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53 Years Ago: 'Hee Haw' Makes Prime-Time Debut on CBS
The Boot Staff Updated: June 15, 2016
CBS Photo Archive, CBS / Getty Images
Fifty-three years ago, on June 15, 1969, the TV show Hee Haw made its prime-time debut on CBS. Inspired by Rowan & Martin's Laugh-In, Hee Haw focused on rural life and country music. Set in the fictitious Kornfield Kounty, the comedy and variety show was taped in Nashville, first downtown and then at the Opryland USA theme park.
Hee Haw's cast included the Hee Haw Honeys, a group of attractive, somewhat scantily clad women, and several series regulars, such as Irene Mandrell, Minnie Pearl, George Lindsey, LuLu Roman and Lindsey Thompson, among others. Roy Clark and Buck Owens hosted the show, which featured numerous recurring skits and sketches, with guest artists often appearing in them along with the cast members.
Hee Haw also included musical performances, which were the only parts of the show that were taped live. The musical segments were done by both guest artists and regular cast members, typically including one song at the beginning of the show from the entire cast.
Hee Haw aired on CBS from 1969 to 1971, followed by 20 years in local syndication. Although the show was a huge success, not all of the show's stars were thrilled with the program. Owens revealed in his autobiography, Buck 'Em! The Autobiography of Buck Owens, that he remained on Hee Haw purely for the money.
"I couldn't justify turning down that big paycheck for just a few weeks' work twice a year," he says in the book. "So, I kept whoring myself out to that cartoon donkey."
A Hee Haw musical, with songs written by Brandy Clark and Shane McAnally, premiered in the fall of 2015.
Source: 53 Years Ago: 'Hee Haw' Makes Prime-Time Debut on CBS
Filed Under: Editor's Picks, hee haw
Categories: Victoria News
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