Sec. 157.001. SHORT TITLE. This chapter may be cited as the Mortgage Banker Registration and Residential Mortgage Loan Originator License Act.
Added by Acts 2003, 78th Leg., ch. 1301, Sec. 1, eff. Jan. 1, 2004.
Acts 2009, 81st Leg., R.S., Ch. 1147 (H.B. 2779), Sec. 1, eff. April 1, 2010.
(1) "Commissioner" means the savings and mortgage lending commissioner.
(D) an administrative penalty imposed on a person holding a residential mortgage loan originator license under this chapter.
(iii) issuer for the Government National Mortgage Association.
(4-a) "Nationwide Mortgage Licensing System and Registry" has the meaning assigned by Section 180.002.
(4-b) "Recovery fund" means the fund established and maintained by the commissioner under Subchapter F, Chapter 156, and Section 13.016.
(5) "Residential mortgage loan" has the meaning assigned by Section 180.002.
(5-a) "Residential mortgage loan company" has the meaning assigned by Section 156.002.
(6) "Residential mortgage loan originator" has the meaning assigned by Section 180.002.
Acts 2007, 80th Leg., R.S., Ch. 921 (H.B. 3167), Sec. 6.053, eff. September 1, 2007.
Acts 2009, 81st Leg., R.S., Ch. 1147 (H.B. 2779), Sec. 2, eff. April 1, 2010.
Acts 2011, 82nd Leg., R.S., Ch. 588 (S.B. 17), Sec. 2, eff. September 1, 2011.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 45, eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 48, eff. September 1, 2013.
(3) prescribe a method for proof of delivery to the consumer.
"COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, ______________________________ (street address of the Department of Savings and Mortgage Lending). A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT _______________ (telephone number of the Department of Savings and Mortgage Lending's toll-free consumer hotline)."
Acts 2007, 80th Leg., R.S., Ch. 921 (H.B. 3167), Sec. 6.054, eff. September 1, 2007.
Acts 2009, 81st Leg., R.S., Ch. 1147 (H.B. 2779), Sec. 5, eff. April 1, 2010.
Acts 2011, 82nd Leg., R.S., Ch. 588 (S.B. 17), Sec. 4, eff. September 1, 2011.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 50, eff. September 1, 2011.
Transferred and redesignated from Finance Code, Section 157.007 by Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 54, eff. September 1, 2013.
Sec. 157.0022. COMPLAINTS. (a) If the Department of Savings and Mortgage Lending receives a signed written complaint from a person concerning a mortgage banker, the commissioner shall notify the representative designated by the mortgage banker under Section 157.003(b) in writing of the complaint and provide a copy of the complaint to the representative.
(b) The commissioner may request documentary and other evidence considered by the commissioner as necessary to effectively evaluate the complaint, including correspondence, loan documents, and disclosures. A mortgage banker shall promptly provide any evidence requested by the commissioner.
(c) The commissioner may require the mortgage banker to resolve the complaint or to provide the commissioner with a response to the complaint. The commissioner may direct the mortgage banker in writing to take specific action to resolve the complaint.
Acts 2007, 80th Leg., R.S., Ch. 921 (H.B. 3167), Sec. 6.055, eff. September 1, 2007.
Transferred and redesignated from Finance Code, Section 157.008 by Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 54, eff. September 1, 2013.
Sec. 157.0023. RULEMAKING AUTHORITY. (a) The Finance Commission of Texas may adopt rules necessary to implement or fulfill the purpose of this chapter.
(b) The Finance Commission of Texas may by rule adopt standard forms for, and require the use of the forms by, a mortgage banker who represents that an applicant for a loan is preapproved or has prequalified for the loan.
(c) The finance commission may adopt rules under this chapter as required to carry out the intentions of the federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (Pub. L. No. 110-289).
Acts 2009, 81st Leg., R.S., Ch. 1147 (H.B. 2779), Sec. 7, eff. April 1, 2010.
Transferred and redesignated from Finance Code, Section 157.011 by Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 56, eff. September 1, 2013.
Sec. 157.0024. MORTGAGE INDUSTRY ADVISORY COMMITTEE. The mortgage industry advisory committee shall advise and assist the commissioner with respect to this chapter as provided by Section 156.104.
Added by Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 49, eff. September 1, 2013.
Sec. 157.003. REGISTRATION REQUIRED. (a) A person must register under this chapter before the person may conduct the business of a mortgage banker in this state, unless the person is exempt under this section or Section 157.004.
(6) provide to the commissioner a list of any offices that are separate and distinct from the primary office identified on the mortgage banker registration and that conduct residential mortgage loan business relating to this state, regardless of whether the offices are located in this state.
(b-1) Repealed by Acts 2011, 82nd Leg., R.S., Ch. 655, Sec. 65(a)(11), eff. September 1, 2011.
(c) Repealed by Acts 2011, 82nd Leg., R.S., Ch. 655, Sec. 65(a)(11), eff. September 1, 2011.
(d) Repealed by Acts 2011, 82nd Leg., R.S., Ch. 655, Sec. 65(a)(11), eff. September 1, 2011.
(e) The registration of a mortgage banker is valid on approval of the commissioner and may be denied if the commissioner determines the mortgage banker does not meet the requirements of Subsection (b). If registration is denied, the mortgage banker may appeal the determination in the same manner as an applicant for a residential mortgage loan originator license may appeal a denial of issuance of a license under Section 157.017.
(f) Repealed by Acts 2013, 83rd Leg., R.S., Ch. 160, Sec. 87(7), eff. September 1, 2013.
(g) The registration may be withdrawn or revoked.
(h) A mortgage banker that services residential mortgage loans must indicate in its registration that it acts as a residential mortgage loan servicer.
Acts 2009, 81st Leg., R.S., Ch. 1147 (H.B. 2779), Sec. 3, eff. April 1, 2010.
Acts 2011, 82nd Leg., R.S., Ch. 588 (S.B. 17), Sec. 3, eff. September 1, 2011.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 46, eff. September 1, 2011.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 65(a)(11), eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 51, eff. September 1, 2013.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 87(7), eff. September 1, 2013.
Acts 2013, 83rd Leg., R.S., Ch. 161 (S.B. 1093), Sec. 22.001(18), eff. September 1, 2013.
(5) the state or a governmental agency, political subdivision, or other instrumentality of the state, or an employee of the state or a governmental agency, political subdivision, or instrumentality of the state who is acting within the scope of the person's employment.
Acts 2009, 81st Leg., R.S., Ch. 1147 (H.B. 2779), Sec. 4, eff. April 1, 2010.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 52, eff. September 1, 2013.
Sec. 157.005. UPDATE OF REGISTRATION. A mortgage banker shall update information contained in the registration not later than the 10th day after the date the information changes.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 47, eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 53, eff. September 1, 2013.
Sec. 157.006. REGISTRATION AND ADMINISTRATION FEE. The commissioner may charge a mortgage banker a reasonable fee to cover the costs of the registration and of administering this chapter. The fee may not exceed $500 a year.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 48, eff. September 1, 2011.
Sec. 157.0061. RENEWAL OF REGISTRATION. (a) The registration of a mortgage banker expires on December 31 of the year in which the registration is approved and must be renewed annually.
(b) To renew a registration, a mortgage banker must comply with the requirements of Section 157.003 and pay a renewal fee in an amount not to exceed $500.
Added by Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 49, eff. September 1, 2011.
Sec. 157.0062. REINSTATEMENT AFTER EXPIRATION OF REGISTRATION. (a) A mortgage banker whose registration has expired may not engage in an activity for which registration is required under this chapter until the registration is renewed.
(b) A mortgage banker who is otherwise eligible to renew a registration, but has not done so before January 1, may renew the registration before March 1 by paying the commissioner a reinstatement fee in an amount not to exceed $500.
(c) A mortgage banker whose registration has not been renewed before March 1 may not renew the registration. The mortgage banker may obtain a new registration by complying with the requirements and procedures for obtaining an original registration.
Sec. 157.009. TERMINATION OF REGISTRATION. (a) A mortgage banker may withdraw the mortgage banker's registration at any time.
(b) Repealed by Acts 2011, 82nd Leg., R.S., Ch. 655, Sec. 65(a)(12), eff. September 1, 2011.
(c) The commissioner may revoke the registration of a mortgage banker if the mortgage banker fails or refuses to comply with the commissioner's written request for a response to a complaint.
(d) The commissioner may revoke the registration of a mortgage banker after considering a complaint filed under this chapter if the commissioner concludes that the mortgage banker has engaged in an intentional course of conduct to violate federal or state law or has engaged in an intentional course of conduct that constitutes improper, fraudulent, or dishonest dealings or has engaged in a negligent course of conduct exhibited through pattern or practice. The commissioner shall recite the basis of the decision in an order revoking the registration.
(d-1) The commissioner, after review of the circumstances, may revoke the registration of a mortgage banker if the mortgage banker has had a license, registration, or other certification revoked by a state or federal regulatory authority.
(e) If the commissioner proposes to revoke a registration under Subsection (c), (d), or (d-1), the mortgage banker is entitled to a hearing before the commissioner or a hearings officer, who shall propose a decision to the commissioner. The commissioner or hearings officer shall prescribe the time and place of the hearing. The hearing is governed by Chapter 2001, Government Code.
(f) A mortgage banker aggrieved by a ruling, order, or decision of the commissioner is entitled to appeal to a district court in the county in which the hearing was held. An appeal under this subsection is governed by Chapter 2001, Government Code.
Acts 2009, 81st Leg., R.S., Ch. 1147 (H.B. 2779), Sec. 6, eff. April 1, 2010.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 65(a)(12), eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 55, eff. September 1, 2013.
Sec. 157.010. REREGISTRATION. (a) A mortgage banker whose registration is revoked by the commissioner may register again only after receiving the authorization of the commissioner. The commissioner shall authorize the registration if the commissioner concludes that the mortgage banker will comply with state and federal law and will not engage in improper, fraudulent, or dishonest dealings.
(b) A mortgage banker who seeks registration under this section may request and is entitled to a hearing before the commissioner or a hearings officer, who shall propose a decision to the commissioner. The hearing is governed by Chapter 2001, Government Code.
(c) If the commissioner denies authorization for the registration of a mortgage banker under this section, the commissioner shall recite the basis of the decision in an order denying the authorization.
(d) If the commissioner denies authorization for the registration of a mortgage banker under this section, the mortgage banker is entitled to appeal to a district court in Travis County. An appeal brought under this subsection is governed by Chapter 2001, Government Code.
(2) complies with other applicable requirements of Chapter 180 and rules adopted by the finance commission under that chapter.
(b) The finance commission may adopt rules under this chapter as required to carry out the intentions of the federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (Pub. L. No. 110-289).
(4) be a citizen of the United States or a lawfully admitted alien.
(d) Repealed by Acts 2013, 83rd Leg., R.S., Ch. 160, Sec. 87(8), eff. September 1, 2013.
(2) for which the individual is acting as a residential mortgage loan originator.
Reenacted and amended by Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 51, eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 58, eff. September 1, 2013.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 59, eff. September 1, 2013.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 87(8), eff. September 1, 2013.
Sec. 157.0121. EXEMPTIONS FROM RESIDENTIAL MORTGAGE LOAN ORIGINATOR REQUIREMENTS. (a) In this section, "depository institution," "dwelling," "federal banking agency," and "immediate family member" have the meanings assigned by Section 180.002.
(6) an individual who is exempt as provided by Section 180.003(b).
(e) The finance commission may grant an exemption from the residential mortgage loan originator licensing requirements of this chapter to a municipality, county, community development corporation, or public or private grant administrator to the extent the entity is administering the Texas HOME Investment Partnerships program if the commission determines that granting the exemption is not inconsistent with the intentions of the federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (Pub. L. No. 110-289).
Added by Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 60, eff. September 1, 2013.
Acts 2015, 84th Leg., R.S., Ch. 258 (S.B. 1203), Sec. 2, eff. September 1, 2015.
(2) a recovery fund fee in an amount determined by the commissioner, not to exceed $20.
(c) An application fee under this section is not refundable and may not be credited or applied to any other fee or indebtedness owed by the person paying the fee.
(d) In addition to the disciplinary action by the commissioner authorized under Section 157.024(a)(6), the commissioner may collect a fee in an amount not to exceed $50 for any returned check or credit card charge back.
Added by Acts 2009, 81st Leg., R.S., Ch. 1147 (H.B. 2779), Sec. 8, eff. April 1, 2010.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 52, eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 61, eff. September 1, 2013.
Added by Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 62, eff. September 1, 2013.
Sec. 157.0132. CRIMINAL AND OTHER BACKGROUND CHECKS. (a) On receipt of an application for a residential mortgage loan originator license, the commissioner shall, at a minimum, conduct a criminal background and credit history check of the applicant.
(b) The commissioner shall conduct criminal background and credit history checks in accordance with Section 180.054, and, in connection with each application for a residential mortgage loan originator license or other individual license, the commissioner may conduct a criminal background check through the Department of Public Safety.
Sec. 157.014. ISSUANCE OF RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSE. (a) The commissioner shall issue a residential mortgage loan originator license to an applicant if the commissioner determines that the applicant meets all requirements and conditions for the license.
(b) Each residential mortgage loan originator license must have a unique identifier as provided by Chapter 180.
Sec. 157.0141. CONDITIONAL LICENSE. The commissioner may issue a conditional license. The finance commission by rule shall adopt reasonable terms and conditions for a conditional license.
Added by Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 63, eff. September 1, 2013.
(3) provides the commissioner with satisfactory evidence that the residential mortgage loan originator has attended, during the term of the current license, continuing education courses in accordance with the applicable requirements of Chapter 180.
(b) Repealed by Acts 2013, 83rd Leg., R.S., Ch. 160, Sec. 87(8), eff. September 1, 2013.
(d) On receipt of a request for a renewal of a license issued under this subchapter, the commissioner may conduct a criminal background check under Section 157.0132.
(d-1) A renewal fee is not refundable and may not be credited or applied to any other fee or indebtedness owed by the person paying the fee.
(e) The commissioner shall issue a renewal residential mortgage loan originator license if the commissioner finds that the applicant meets all of the requirements and conditions for the license.
(f) The commissioner may deny the renewal application for a residential mortgage loan originator license for the same reasons and grounds on which the commissioner could have denied an original application for a license.
(4) during the current term of the license, the commissioner becomes aware of any fact that would have been grounds for denial of an original license if the fact had been known by the commissioner on the date the license was granted.
(h) In addition to the disciplinary action by the commissioner authorized under Section 157.024(a)(6), the commissioner may collect a fee in an amount not to exceed $50 for any returned check or credit card charge back.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 64, eff. September 1, 2013.
Sec. 157.016. REINSTATEMENT AFTER EXPIRATION OF LICENSE; NOTICE. (a) A person whose residential mortgage loan originator license has expired may not engage in activities that require a license until the license has been reinstated or a new license has been issued.
(b) A person whose residential mortgage loan originator license has not been renewed before January 1 but who is otherwise eligible to renew a license, and does so before March 1, may renew the license by paying the commissioner a reinstatement fee in an amount that is equal to 150 percent of the required renewal fee.
(c) A person whose residential mortgage loan originator license has not been renewed before March 1 may not renew the license. The person may obtain a new license by complying with the requirements and procedures for obtaining an original license.
(d) Repealed by Acts 2011, 82nd Leg., R.S., Ch. 655, Sec. 65(a)(13), eff. September 1, 2011.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 53, eff. September 1, 2011.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 65(a)(13), eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 65, eff. September 1, 2013.
Sec. 157.017. DENIAL OF APPLICATIONS AND RENEWALS. (a) If the commissioner declines or fails to issue or renew a residential mortgage loan originator license, the commissioner shall promptly give written notice to the applicant that the application or renewal, as appropriate, was denied.
(b) Before the applicant or a person requesting the renewal of a residential mortgage loan originator license may appeal a determination to a district court as provided by Section 157.026(d), the applicant or person must file with the commissioner, not later than the 10th day after the date on which notice under Subsection (a) is received, an appeal of the ruling requesting a time and place for a hearing before an administrative law judge designated by the commissioner.
(c) The designated administrative law judge shall set the time and place for a hearing requested under Subsection (b) not later than the 90th day after the date on which the appeal is received. The administrative law judge shall provide at least 10 days' notice of the hearing to the applicant or person requesting the renewal. The time of the hearing may be continued periodically with the consent of the applicant or person requesting the renewal. After the hearing, the commissioner shall enter an order relative to the applicant based on the findings of fact, conclusions of law, and recommendations of the administrative law judge.
(d) If an applicant or person requesting the renewal fails to request a hearing under this section, the commissioner's refusal to issue or renew a license is final and not subject to review by the courts.
(e) A hearing held under this section is governed by Chapter 2001, Government Code. An appeal of a final order issued under this section may be made in accordance with Section 157.026(d).
(f) A person who requests a hearing under this section shall be required to pay a deposit to secure the payment of the costs of the hearing in an amount to be determined by the commissioner not to exceed $500. The entire deposit shall be refunded to the person if the person prevails in the contested case hearing. If the person does not prevail, any portion of the deposit in excess of the costs of the hearing assessed against that person shall be refunded.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 66, eff. September 1, 2013.
Sec. 157.019. MODIFICATION OF LICENSE; CHANGE OF SPONSORSHIP. (a) Before the 10th day preceding the effective date of an address change, a residential mortgage loan originator shall notify the commissioner or authorized designee in writing of the new address.
(b) A person licensed under this chapter must notify the commissioner or the commissioner's authorized designee not later than the 10th day after the date of any change in the person's name for the issuance of an amended license.
(c) When the sponsorship of a residential mortgage loan originator is terminated, the residential mortgage loan originator or the former sponsoring entity licensed or registered under this chapter or Chapter 156 shall immediately notify the commissioner. The residential mortgage loan originator's license then becomes inactive. The residential mortgage loan originator license may be activated if, before the license expires, an entity licensed or registered under this chapter or Chapter 156 files a request, accompanied by a $25 fee, notifying the commissioner that the entity will sponsor the residential mortgage loan originator and will assume responsibility for the actions of the residential mortgage loan originator.
(d) A residential mortgage loan originator may not conduct business under any assumed name that is not the registered assumed name of the entity licensed or registered under this chapter or Chapter 156 that is sponsoring the originator.
(e) A fee under this section is not refundable and may not be credited or applied to any other fee or indebtedness owed by the person paying the fee.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 54, eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 67, eff. September 1, 2013.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 68, eff. September 1, 2013.
Sec. 157.020. MORTGAGE CALL REPORT. (a) Each mortgage banker shall file a mortgage call report with the commissioner or the commissioner's authorized designee on a form prescribed by the commissioner or authorized designee. The report must be filed as frequently as required by the Nationwide Mortgage Licensing System and Registry. The report is a statement of condition of the mortgage banker and the mortgage banker's operations, including financial statements and production activity volumes, and any other similar information required by the Nationwide Mortgage Licensing System and Registry.
(b) The information contained in the mortgage call report related to residential mortgage loan origination volume or other trade information is confidential and may not be disclosed by the commissioner, the commissioner's authorized designee, or any other employee of the Department of Savings and Mortgage Lending.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 55, eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 69, eff. September 1, 2013.
Sec. 157.0201. RECOVERY FUND. The recovery fund established, administered, and maintained under Section 13.016 and Subchapter F, Chapter 156, shall be used as provided by Subchapter F, Chapter 156, to reimburse residential mortgage loan applicants for actual damages incurred because of acts committed by residential mortgage loan originators licensed under this chapter when the act was committed.
Added by Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 56, eff. September 1, 2011.
Sec. 157.02012. STANDARD FORMS. (a) The finance commission by rule shall adopt one or more standard forms for use by a residential mortgage loan originator, sponsored by and conducting business for a registered mortgage banker under this chapter, in representing that an applicant for a residential mortgage loan is preapproved or has prequalified for the loan.
(b) The finance commission shall adopt rules requiring a residential mortgage loan originator licensed under this chapter to use the forms adopted by the finance commission under Subsection (a).
Added by Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 70, eff. September 1, 2013.
Sec. 157.02013. SECONDARY MARKET TRANSACTIONS. This chapter does not prohibit a residential mortgage loan originator sponsored by and conducting business for a registered mortgage banker under this chapter from receiving compensation from a party other than the mortgage applicant for the sale, transfer, assignment, or release of rights on the closing of a mortgage transaction.
Sec. 157.02014. AFFILIATED BUSINESS ARRANGEMENTS. Unless prohibited by federal or state law, this chapter may not be construed to prevent affiliated or controlled business arrangements or loan origination services by or between residential mortgage loan originators sponsored by and conducting business for a registered mortgage banker under this chapter and other professionals if the residential mortgage loan originator complies with all applicable federal and state laws permitting those arrangements or services.
(4) a residential mortgage loan originator's advertisement under a trade name.
(b) The finance commission may adopt rules regarding books and records that a residential mortgage loan originator licensed under this chapter is required to keep, including the location at which the books and records must be kept.
(c) The finance commission shall consult with the commissioner when proposing and adopting rules under this section.
Sec. 157.02016. ADMINISTRATION OF SUBCHAPTER. The commissioner shall administer and enforce this subchapter.
Sec. 157.021. INSPECTION; INVESTIGATIONS. (a) The commissioner may conduct an inspection of a person licensed as a residential mortgage loan originator as the commissioner determines necessary to determine whether the person is complying with this chapter, Chapter 180, and applicable rules. An inspection under this subsection may include inspection of the books, records, documents, operations, and facilities of the person. The commissioner may request the assistance and cooperation of the sponsoring mortgage banker in providing needed documents and records. The commissioner may not make a request of the sponsoring mortgage banker for documents and records unrelated to the person being investigated or inspected. The commissioner may share evidence of criminal activity gathered during an inspection or investigation with any state or federal law enforcement agency.
(b) On the signed written complaint of a person, the commissioner shall investigate the actions and records of a person licensed as a residential mortgage loan originator if the complaint, or the complaint and documentary or other evidence presented in connection with the complaint, provides a reasonable cause. Before commencing an investigation, the commissioner must notify the licensed residential mortgage loan originator in writing of the complaint and that the commissioner intends to investigate the matter.
(c) For reasonable cause, the commissioner at any time may investigate a person licensed as a residential mortgage loan originator to determine whether the person is complying with this chapter, Chapter 180, and applicable rules.
(g) The commissioner may share information gathered during an investigation or inspection with any state or federal agency only if the commissioner determines there is a valid reason for the sharing.
(h) The commissioner may require reimbursement of expenses for each examiner for an on-site examination or inspection of a licensed residential mortgage loan originator if records are located out of state and are not made available for examination or inspection by the examiner in this state. The finance commission by rule shall set the maximum amount for the reimbursement of expenses authorized under this subsection.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 72, eff. September 1, 2013.
Sec. 157.0211. MULTI-STATE EXAMINATION AUTHORITY OF RESIDENTIAL MORTGAGE LOAN SERVICER. To ensure that mortgage bankers that act as residential mortgage loan servicers operate in this state in compliance with this chapter and with other law in accordance with this chapter, the commissioner or the commissioner's designee may participate in multi-state mortgage examinations as scheduled by the Conference of State Bank Supervisors Multi-State Mortgage Committee or by the Consumer Financial Protection Bureau in accordance with the protocol for such examinations.
Added by Acts 2011, 82nd Leg., R.S., Ch. 588 (S.B. 17), Sec. 5, eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 73, eff. September 1, 2013.
Sec. 157.022. ISSUANCE AND ENFORCEMENT OF SUBPOENA. (a) During an investigation, the commissioner may issue a subpoena that is addressed to a peace officer of this state or other person authorized by law to serve citation or perfect service. The subpoena may require a person to give a deposition, produce documents, or both.
(b) If a person disobeys a subpoena or if a person appearing in a deposition in connection with the investigation refuses to testify, the commissioner may petition a district court in Travis County to issue an order requiring the person to obey the subpoena, testify, or produce documents relating to the matter. The court shall promptly set an application to enforce a subpoena issued under Subsection (a) for hearing and shall cause notice of the application and the hearing to be served on the person to whom the subpoena is directed.
Sec. 157.023. ADMINISTRATIVE PENALTY. (a) The commissioner, after notice and opportunity for a hearing, may impose an administrative penalty on an individual who is licensed or required to be licensed under this chapter as a residential mortgage loan originator and who violates this chapter, Chapter 156, or a rule or order adopted under this chapter or Chapter 156.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 57, eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 74, eff. September 1, 2013.
(18) charged or received, directly or indirectly, a fee for assisting a mortgage applicant in obtaining a residential mortgage loan under Chapter 156 before all of the services that the person agreed to perform for the mortgage applicant are completed, and the proceeds of the residential mortgage loan have been disbursed to or on behalf of the mortgage applicant, except as provided by Section 156.304.
(b) The commissioner may also order disciplinary action against a licensed residential mortgage loan originator, after notice and opportunity for a hearing, if the commissioner, during the current term of the license, becomes aware of any fact that would have been grounds for denial of an original license if the fact had been known by the commissioner on the date the license was granted.
(c) In addition to disciplinary action by the commissioner authorized under Subsections (a) and (b), the commissioner, if the commissioner has reasonable cause to believe that a licensed residential mortgage loan originator has violated or is about to violate this section, may issue without notice and hearing an order to cease and desist continuing a particular action or an order to take affirmative action, or both, to enforce compliance with this chapter.
(d) An order issued under Subsection (c) must contain a reasonably detailed statement of the facts on which the order is made. If a residential mortgage loan originator against whom the order is made requests a hearing, the commissioner shall set and give notice of a hearing before the commissioner or an administrative law judge. The hearing shall be governed by Chapter 2001, Government Code. Based on the findings of fact, conclusions of law, and recommendations of the administrative law judge, the commissioner by order may find that a violation has occurred or not occurred.
(e) If a hearing is not requested under Subsection (d) not later than the 30th day after the date on which an order is made, the order is considered final and not appealable.
(f) The commissioner, after giving notice, may impose against a residential mortgage loan originator who violates a cease and desist order an administrative penalty in an amount not to exceed $1,000 for each day of the violation. In addition to any other remedy provided by law, the commissioner may institute in district court a suit for injunctive relief and to collect the administrative penalty. A bond is not required of the commissioner with respect to injunctive relief granted under this subsection.
(g) For purposes of Subsection (a), a residential mortgage loan originator is considered convicted if a sentence is imposed on that person, that person receives community supervision, including deferred adjudication community supervision, or the court defers final disposition of that person's case.
(h) If a residential mortgage loan originator fails to pay an administrative penalty that has become final or fails to comply with an order of the commissioner that has become final, in addition to any other remedy provided under law, the commissioner, on not less than 10 days' notice to the residential mortgage loan originator, may without a prior hearing suspend the residential mortgage loan originator's license. The suspension continues until the residential mortgage loan originator has complied with the administrative order or paid the administrative penalty. During the period of suspension, the residential mortgage loan originator may not originate a residential mortgage loan and all compensation received by the residential mortgage loan originator during the period of suspension is subject to forfeiture as provided by Section 157.031(a-1).
(i) An order of suspension under Subsection (h) may be appealed. An appeal is a contested case governed by Chapter 2001, Government Code. A hearing of an appeal of an order of suspension issued under Subsection (h) shall be held not later than the 15th day after the date of receipt of the notice of appeal. The appellant shall be provided at least three days' notice of the time and place of the hearing.
(3) being an employee, officer, director, manager, shareholder, member, agent, contractor, or processor of a mortgage banker, residential mortgage loan company, or residential mortgage loan originator for a residential mortgage loan company.
(k) On notice and opportunity for a hearing, the commissioner may suspend the license of a residential mortgage loan originator under this chapter if an indictment or information is filed or returned alleging that the person committed a criminal offense involving fraud, theft, or dishonesty. The suspension continues until the criminal case is dismissed or the person is acquitted.
(l) The commissioner may, in the commissioner's discretion, rescind or vacate any previously issued order.
Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 58, eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 75, eff. September 1, 2013.
Sec. 157.0241. REVOCATION OR SUSPENSION OF LICENSE FOR PAYMENT FROM RECOVERY FUND. (a) The commissioner may revoke or suspend a license issued under this chapter on proof that the commissioner has made a payment from the recovery fund of any amount toward satisfaction of a claim against a residential mortgage loan originator licensed under this chapter.
(b) The commissioner may seek to collect from a residential mortgage loan originator the amount paid from the recovery fund on behalf of the residential mortgage loan originator and any costs associated with investigating and processing the claim against the recovery fund or with collection of reimbursement for payments from the recovery fund, plus interest at the current legal rate until the amount has been repaid in full. Any amount, including interest, recovered by the commissioner shall be deposited to the credit of the recovery fund.
(c) The commissioner may probate an order revoking or suspending a license under this section.
(d) A person on whose behalf payment was made from the recovery fund is not eligible to receive a new license or have a suspension lifted under this chapter until the person has repaid in full, plus interest at the current legal rate, the amount paid from the recovery fund on the person's behalf and any costs associated with investigating and processing the claim against the recovery fund or with collection of reimbursement for payments from the recovery fund.
(e) This section does not limit the authority of the commissioner to take disciplinary action against a residential mortgage loan originator for a violation of this chapter, Chapter 156, or the rules adopted by the finance commission under this chapter or Chapter 156. The repayment in full to the recovery fund of all obligations of a residential mortgage loan originator does not nullify or modify the effect of any other disciplinary proceeding brought under this chapter or Chapter 156.
Added by Acts 2011, 82nd Leg., R.S., Ch. 655 (S.B. 1124), Sec. 59, eff. September 1, 2011.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 76, eff. September 1, 2013.
Sec. 157.025. RESTITUTION. The commissioner may order a residential mortgage loan originator to make restitution for any amount received by that person in violation of this chapter or Chapter 156.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 77, eff. September 1, 2013.
Sec. 157.026. HEARINGS AND JUDICIAL REVIEW. (a) The commissioner may employ an enforcement staff to investigate and prosecute complaints made against residential mortgage loan originators licensed under this chapter. The commissioner may employ an administrative law judge to conduct hearings under this section. The commissioner may collect and deposit any court costs assessed under a final order.
(b) If the commissioner proposes to suspend or revoke a license of a residential mortgage loan originator or if the commissioner refuses to issue or renew a residential mortgage loan originator license under this chapter, the applicant or license holder is entitled to a hearing before the commissioner or an administrative law judge who shall make a proposal for decision to the commissioner. The commissioner or administrative law judge shall prescribe the time and place of the hearing. The hearing is governed by Chapter 2001, Government Code.
(c) The commissioner or administrative law judge may issue subpoenas for the attendance of witnesses and the production of records or documents. Process issued by the commissioner or the administrative law judge may extend to all parts of the state and may be served by any person designated by the commissioner or administrative law judge.
(d) An individual aggrieved by a ruling, order, or decision of the commissioner has the right to appeal to a district court in the county in which the hearing was held. An appeal under this subsection is governed by Chapter 2001, Government Code.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 78, eff. September 1, 2013.
Sec. 157.027. CIVIL ACTIONS AND INJUNCTIVE RELIEF. (a) A residential mortgage loan applicant injured by a violation of this chapter or Chapter 156 by a residential mortgage loan originator may bring an action for recovery of actual monetary damages and reasonable attorney's fees and court costs.
(b) The commissioner, the attorney general, or a residential mortgage loan applicant may bring an action to enjoin a violation of this chapter by a residential mortgage loan originator.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 79, eff. September 1, 2013.
Sec. 157.028. BURDEN OF PROOF TO ESTABLISH AN EXEMPTION. The burden of proving an exemption in a proceeding or action brought under this chapter is on the person claiming the benefit of the exemption.
Sec. 157.029. RELIANCE ON WRITTEN NOTICES FROM THE COMMISSIONER. A person does not violate this chapter with respect to an action taken or omission made in reliance on a written notice, written interpretation, or written report from the commissioner unless a subsequent amendment to this chapter or a rule adopted under this chapter affects the commissioner's notice, interpretation, or report.
Sec. 157.030. COMPLETION OF RESIDENTIAL MORTGAGE ORIGINATION SERVICES. (a) On disbursement of mortgage proceeds to or on behalf of the residential mortgage loan applicant, the residential mortgage loan originator who assisted the applicant in obtaining the residential mortgage loan is considered to have completed the performance of the loan originator's services for the applicant and owes no additional duties or obligations to the applicant with respect to the loan.
(3) violating any other state or federal law.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 80, eff. September 1, 2013.
Sec. 157.031. UNLICENSED ACTIVITY; OFFENSE. (a) An individual who is not exempt under this chapter or other applicable law and who acts as a residential mortgage loan originator without first obtaining a license required under this chapter commits an offense. An offense under this subsection is a Class B misdemeanor. A second or subsequent conviction for an offense under this subsection is a Class A misdemeanor.
(a-1) An individual who received money, or the equivalent of money, as a fee or profit because of or in consequence of the individual acting as a residential mortgage loan originator without an active license or being exempt under this chapter is liable for damages in an amount that is not less than the amount of the fee or profit received and not to exceed three times the amount of the fee or profit received, as may be determined by the court. An aggrieved person may recover damages under this subsection in a court.
(b) If the commissioner has reasonable cause to believe that a person who is not licensed or exempt under this chapter has engaged, or is about to engage, in an act or practice for which a license is required under this chapter, the commissioner may issue, without notice and hearing, an order to cease and desist from continuing a particular action or an order to take affirmative action, or both, to enforce compliance with this chapter. The order must contain a reasonably detailed statement of the facts on which the order is made. The order may assess an administrative penalty in an amount not to exceed $1,000 per day for each violation and may require a person to pay to a residential mortgage loan applicant any compensation received by the person from the applicant in violation of this chapter. If a person against whom the order is made requests a hearing, the commissioner shall set and give notice of a hearing before the commissioner or an administrative law judge. The hearing shall be governed by Chapter 2001, Government Code. An order under this subsection becomes final unless the person to whom the order is issued requests a hearing not later than the 30th day after the date the order is issued.
(c) If a hearing has not been requested under Subsection (b) not later than the 30th day after the date the order is made, the order is considered final and not appealable. The commissioner, after giving notice, may impose against a person who violates a cease and desist order, an administrative penalty in an amount not to exceed $1,000 for each day of a violation. In addition to any other remedy provided by law, the commissioner may institute in district court a suit for injunctive relief and to collect the administrative penalty. A bond is not required of the commissioner with respect to injunctive relief granted under this section.
Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 81, eff. September 1, 2013.
Sec. 157.032. POWERS OF COMMISSIONER. (a) In addition to any other action, proceeding, or remedy authorized by law, the commissioner may institute an action in the commissioner's name to enjoin a violation of Subchapter D or a rule adopted under Subchapter D. To sustain an action filed under this subsection, it is not necessary to allege or prove that an adequate remedy at law does not exist or that substantial or irreparable damage would result from a continued violation of Subchapter D.
(b) The commissioner is not required to provide an appeal bond in any action or proceeding to enforce Subchapter D.
Added by Acts 2013, 83rd Leg., R.S., Ch. 160 (S.B. 1004), Sec. 82, eff. September 1, 2013.


Elise Tan-Roberts from North London has just become the youngest member of Mensa, where only those with an IQ of 148 and above can qualify. To put that in perspective, only 2% of us have an IQ in this range. And with Elise's estimated IQ of 156, she was not only a candidate – she beat Carol Vorderman's IQ by two points!
Elise has been well advanced since she was a baby: around 5 months, Elise looked at dad Edward, a motor consultant and car buyer, and said "Dada". By 8 months, she was walking, and by 10 months, she was running. She could recognise her written name before she turned 1, and by 16 months she could count to 10.
Elise can now also count to 10 in Spanish, knows the capital cities of different countries, and is able to correct her mum when she calls her toy a rhinoceros instead of a triceratops. Yes, we think it's an easy enough mistake to make, Mum!
Last month, Elise was taken by her parents, Edward and Louise, a part-time account manager with a removals company, to see specialist education psychologist Professor Joan Freeman. Professor Freeman gave Elise a complex 45-minute IQ test, and her report described Elise as 'gifted'.
Elise's parents weren't aware of their daughter's intelligence until she started to talk. All they saw was that baby Elise tended to stare at people and things, soaking up all that she could. They know of no other child geniuses in their family.


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From Iceland — Magnitude 4.4, 4.9 Earthquakes Recorded At Bárðarbunga Caldera
Magnitude 4.4, 4.9 Earthquakes Recorded At Bárðarbunga Caldera
Emma Ledbetter
Screenshot/Icelandic Meteorological Office
A magnitude 4.4 earthquake was measured 4.3 km northeast of the Bárðarbunga caldera yesterday afternoon.
The new Reykjavík Grapevine print issue is out! Subscribe to it in our shop or join our High Five Club to get it in your inbox. If you like the great work we do here, consider joining the High Five Club to support us!
Less than half an hour later, an earthquake of magnitude 4.9 occurred in the same area, reports the Icelandic Meteorological Office.
Earthquakes around Bárðarbunga, which is located in Vatnajökull National Park, occur frequently because the area is still stabilising from the 2014 Hóluhraun eruption.
An earthquake of magnitude 3.3 occurred in the area in June, while earthquakes of 3.2 and 4.8 were reported in months prior to that.
In other earthquake news, a 4.5 magnitude quake was recorded over 100 km off the shore of Höfn í Hornafirði in the east of the country. This occurred simultaneously with the 4.9 magnitude earthquake at Bárðarbunga.
bárðarbunga
Icelandic Meteorological Office
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Previous: Number Of Students With Foreign Background In Icelandic Schools Is Increasing
Borgarfjörður: Glaciers, Hot Springs & The Heart Of The Sagas

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Delegation of the European Union to Kenya
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EEAS > Кенија > EU and WHO working together to defeat COVID-19 in Kenya
EU and WHO working together to defeat COVID-19 in Kenya
The EU through its Civil Protection and Humanitarian Aid Operations department (ECHO) has donated KES 270 million (2,573,105 Million Euros) to WHO Kenya. This grant will be used by the WHO to support the Government of Kenya's efforts to control the spread of the pandemic.
Specifically, WHO Kenya will boost the response effort by training frontline health workers at national and county levels and strengthen the current work being done by the COVID-19 rapid response and clinical teams across all counties.
It will also be used to support risk communication and community engagement activities in areas that have been identified as hot spots across the counties. The strategies being used include airing of messages in local languages on 21 radio stations and other information platforms, engaging community leaders and the public in order to change individual behaviour, and building the capacity of health workers as they support the community response to the pandemic. Additional technical personnel will also be deployed to the counties to support these activities.
"The grant comes at a critical time when we are dealing with community transmission and need urgent response measures to stop further spread,"Dr Rudi Eggers, WHO Representative said. Thanking the EU Ambassador to Kenya, Mr Simon Mordue, he said the ECHO funding would go a long way to support WHO interventions in the county and the implementation of guidelines at national and county levels. "It is critical that health workers in all health facilities across the country are knowledgeable about the various aspects of the Coronavirus so that they are able to protect themselves, their families and their patients as well," Dr Eggers said.
EU Ambassador Simon Mordue underlined the added value of the EU's collaboration with the WHO in support of countries and communities at this challenging time: "The EU is partnering with the WHO at this critical moment as it is the international organization best placed to provide advice and concrete support to the specific COVID-19 related circumstances facing Kenya, based on its in depth expertise. In this way the EU is helping to find the solutions that will stop this pandemic from spreading."
This grant to Kenya is part of 30 Million Euros that the EU has provided to the World Health Organization in response to its Global Appeal to combat COVID-19 across the world. The European Union and the World Health Organization are working in close collaboration to provide resources to countries that need support in managing the COVID19 pandemic.
The programme is part of an overall Team Europe response that has seen the EU and its Member States working closely to support Kenya during this crisis. The European Union is contributing over Ksh 35 billion to Kenya's response to COVID-19 whilst EU Member States have already provided more than Ksh 3.3 billion (EUR 30 million). This collective support by Team Europe is a statement of Europe's friendship and partnership with Kenya in these difficult global times.
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Кенија
EU in Sierra Leone 2020
Coronavirus Global Response: EU mobilises €15 million for Sierra Leone
International Human Rights Day Celebrated with a Press Lunch
EU Ambassador Calls for joint efforts to foster Human Rights Culture
Remembering not to forget, acting not to repeat
Други написи кои би ве интересирале
Kenyan youth leaders continuing anti-radicalisation work despite COVID-19Youth leaders from Kenya, Nigeria and Somalia, spoke about their experiences, difficulties as well as new opportunities to spread a message of peace, dialogue and understanding during the time of the COVID-19 pandemic.
COVID-19 Cash Safety Nets – Simple but Effective Ambassador Mordue met with beneficiaries of the European Union funded programme to support most vulnerable residents in Nairobi with direct and unconditional cash transfers during COVID-19 pandemic.
EU CBRN Centres of Excellence Initiative helping with COVID-19 responseOn 10 & 11 November 2020, the EU CBRN Centres of Excellence Initiative orgarnised the 8th meeting of the Heads of Regional Secretariat. The CoE Initiative is celebrating its 10th Anniversary and is strengthening the implementation of COVID-19 responses.
EU and Private Sector Foundation Uganda respond to COVID-19 impact, promote green investments and decent employment The Board of the Sustainable Business for Uganda (SB4U) Platform has endorsed concrete actions responding to the COVID-19 negative consequences and advancing the Uganda-European Union Roadmap to Improved Investment Climate, in the area of skills development, access to finance and anti-corruption.
Delegation-Kenya@eeas.europa.eu
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You have accessed emdserono.ca, but for users from your part of the world, we originally designed the following web presence merckgroup.com
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Making Great Things Happen Together
We are committed to meeting the unmet medical needs of patients across multiple therapeutic areas. EMD Serono, Canada has deep expertise in fertility, endocrinology, oncology, neurology and immunology.
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We are dedicated to improving the quality of life for Canadians by responding to significant unmet medical needs.
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EMD Serono, Canada and our parent company Merck KGaA Darmstadt, Germany offer outstanding jobs and fascinating international career opportunities – in 64 countries around the world.
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Experience the joy of curiosity. Search for a job.
Junior Talent Sourcer
Bonifacio Global City, Metro Manila - Philippines
Req Id 256911
A career at our company is an ongoing journey of discovery: our 58,000 people are shaping how the world lives, works and plays through next generation advancements in Healthcare, Life Science and Electronics. For more than 350 years and across the world we have passionately pursued our curiosity to find novel and vibrant ways of enhancing the lives of others.
In this newly created role you will be in charge of identifying and attracting talents to join our thriving organization. You will closely work with Talent Acquisition Advisors and source talented and diverse candidates for open positions within your regional scope. Based on the identified long-term talent need you will proactively ensure a continual flow of prospects into our talent pipeline for future vacancies. Tasks include partnering with internal stakeholders to understand the concrete demand and work along the defined sourcing strategy (i.e. target list of companies, required experience level, hard and soft skills etc.).
Tasks include:
You will ensure that promising candidates will be matched to live requisitions on the ATS and will take care of accurate documentation and compliance with procedures, policies and regulations.
Another task will be to create, build, maintain and nurture talent pools via our new state-of-the-art CRM and to keep future prospects engaged, all while ensuring adherence to our DE&I objectives.
You are encouraged to contribute to the development of processes and share know-how on best practices, tools and market trends, actively contributing to process improvements and to the development of the function overall.
Minimum 1 year of experience in talent sourcing including professional usage of networking tools, such as LinkedIn, Boolean searches etc.
Knowledge in the usage of ATS and CRMs strongly desirable
Business proficiency in English, any additional Asian language considered a plus
Strong organizational and documentation skills and a high level of attention to detail as well as solid communication and interpersonal skills
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Amenable to work in BGC, Taguig
What we offer: We are curious minds that come from a broad range of backgrounds, perspectives, and life experiences. We celebrate all dimensions of diversity. We believe that it drives excellence, innovation, and human progress. We care about our customers, patients, and our rich mix of people. This diversity strengthens our ability to lead in science and technology. We are committed to creating access and opportunities for all and empower you to fulfil your ambitions. Our diverse businesses offer various career moves to seek new horizons. Join us in building a culture of inclusion and belonging that impacts millions and empowers everyone to bring their curiosity to life!
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EMD Serono is the Canadian biopharmaceutical business of Merck KGaA, Darmstadt, Germany, with innovative products and devices, and industry-leading patient support and access programs. EMD Serono has deep expertise in neurology, fertility and endocrinology, and a pipeline in neurology, oncology, immunology and immuno-oncology. EMD Serono is headquartered in Mississauga, Ontario.
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Q: Dynamodb table query time not decreasing even if i increase provisioned RCU I have a dynamodb table User whith following attributes-
userBirthYear - partition key- number
userDOB - sort key (number -in millisecond)
searchable - attribute (bool)
country - attribute (string)

Our query is - find user between an age range where searchable= true and country=xyz
Currently we query for each birthYear calculated using age range and merge result at the end.
We have provisioned RCU 500 and while load testing for some queries response time is not coming less than 1 second even if we increase the RCU to 1000.

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Rudolf Steiner presents a unique and sane response to spiritual imbalance and the loss of human dignity in our postmodern world. Between the Gothic era and the mid seventeenth century, eleven mystics resolved the conflict between their inner perceptions and the seeds of modern science in the new world of individual freedom. Based on the lives of those men and his own spiritual insight, Steiner shows how their ideas can illuminate and preserve our true human nature today.
Mystics after Modernism presents Steiner's revolutionary views of Meister Eckhart, Johannes Tauler, Heinrich Suso, Jan van Ruysbroeck, Nicholas of Cusa, Agrippa of Nettesheim, Theophrastus Paracelsus, Valentin Weigel, Jakob Bhme, Giordano Bruno, and Angelus Silesius. The informative and comprehensive afterword by Paul Allen, a lifelong student of spiritual science, describes the historical context and expands Steiner's ideas.


The efficacy and safety of CTLA-4 inhibitors for the treatment of patients with small cell lung cancer (SCLC) is currently under investigation. Ipilimumab has shown potential in treating patients with extensive SCLC in a phase II trial (NCT00527735; Reck et al. 2013).
In a phase I/II study comparing treatment with nivolumab alone andversus nivolumab in combination with ipilimumab in patients with recurrent SCLC, the combination arm demonstrated higher response rates than the single agent arm (CA209-032; Antonia et al. 2015).
Contributors: Wade T. Iams, M.D., Douglas Johnson, M.D., Christine M. Lovly, M.D., Ph.D.
Suggested Citation: Iams, W.T., D. Johnson, C. Lovly. 2015. Immunotherapy in Cancer. My Cancer Genome http://www.mycancergenome.org/content/molecular-medicine/c2654-small-cell-lung-cancer/ (Updated September 3).


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Maldivian Blood Services (MBS) was formed on 1st November 2012. "National Thalassaemia Centre (NTC)" and "National Blood Transfusion Services (NBTS)" were merged to form Maldivian Blood Services with the hope and aim to provide better service to patients suffering from hematological disorders like Thalassaemia and other hemoglobinopathies and also to provide safe blood to those who are in need.
MBS has two main units: Thalassaemia and Other Haemoglobinopathies Centre (TOHC) and Central Blood Bank (CBB) TOHC is the only centre throughout Maldives serving exclusively to patients of Thalassaemia and other haemoglobinopathies.Thalassaemia and other haemoglobinopathies patients can get registered at MBS to get free service. TOHC will give free consultation by 4 experiences medical doctors. Patients who need blood transfusion will be taken care of by these doctors and well experienced and caring nurses at a welcoming and pleasant environment. As Thalassaemia is the most prevalent haematological disorder in the country TOHC has free facility to screen for Thalassaemia and also running programmes to increase awareness of Thalassaemia and other haemoglobinopathies among general public.
TOHC is also providing free medications to Thalassaemia patients. These include Desferoxamine (Desferal), L1 and Asunra.
Both voluntary and direct donors are received by CBB and work hard to create a cheerful and comforting environment to blood donors so that donors could have a good and memorable blood donation experience. CBB expects every donor to come back and donate after every 3 months. CBB is providing free blood to patients seeking treatment at TOHC.
MBS also has a common laboratory which caters for the needs of TOHC and CBB. Laboratory has facility to screen blood for Transfusion Transmissible Infections, cross-match blood for transfusion and Thalassaemia Screening.
THALASSAEMIA SITUATUION IN MALDIVES
Thalassaemia is a major socio – medical problem in Maldives.
Beta Thalassaemia is the type most common in Maldives. But with the improvement of laboratory techniques, homozygous and heterozygous states of alpha thalassaemia and abnormal haemoglobin disorders such as HbE, HbS, HbC and HbD cases are frequently seen.
It is not known when the first thalassaemia case was diagnosed in Maldives. The first few cases were diagnosed in the nearby country Sri Lanka approximately 20 years back. Awareness regarding thalassaemia was nil at the time. Many children die at the age of 5 to 7 years due to intercurrent infections, severe anemia and ultimately heart failure without being diagnosed or treated. A minority of severely anemic children who seek medical help were transfused without knowing proper diagnosis.
Diagnostic facilities were introduced around 1984. The government hospital in Maldives, the only one at the time, started diagnosing beta thalassaemia majors with HbA2 and HbF estimation by elution technique and macro column chromatography along with Hb estimation and peripheral smear cytology.
Two leading physicians in the work of thalassaemia presented two country reports based on the existing situation of thalassaemia in Maldives.
Dr.Bernadette Modell (UK), in 1988 estimated that 40 nre patients would be born every year in Maldives.
Professor Calogero Vullo (Italy), in 1992 estimated that 1 out of every 5 to 6 persons in Maldives is a carrier for Beta Thalassaemia.
Society For Health Education a local Non Governmental Organisation, conducted a survey in 1992 on 496 students (age group 14-20 yrs.) Based on this survey the beta thalassaemia carrier rate was estimated as 18.1%. One 120 births is expected to be a case of beta thalassaemia major. 1 in 30 marriages is expected to be between two beta thalassaemia carriers.
Based on the prevalence data of carriers, and if the birth rate does not change, approximately 60 to 70 new cases are expected each year.
The spread of thalassaemia may be due to the considerable in – breeding within the island communities although there is no convention of consanguineous marriages in Maldives. This may be due to confinement of the people to one's island due to the difficult geographical situation.
Registration of thalassaemia cases at the beginning of 1992. Number of cases registered (as of September 15th 1998) are 326 and total number of deaths are 57. It is estimated that this number of registered cases is only a quarter of all the thalassaemia cases in Maldives.
Till the end of 1994, the diagnoses cases were managed in the OPD and later in a separate clinic in the government hospital ( Central Hospital) in Male'.
Due to the constant increase in the number of thalassaemia cases, the need arose to open a separate centre for their management.
Thus on 29th December 1994, the paediatric wing of the Central Hospital was converted to National Thalassaemia Centre (since a new hospital was opened the same year).
All the expences for blood transfusion and desferal therapy are covered by the government.
Cost of treatment per child per annum is $6000 (need to revise the figure)
In 1997, a Thalassaemia Advisory Committee was formed to give advice on different issues related to thalassaemia and its control.
NATIONAL THALASSAEMIA CENTRE (N.T.C)
National Thalassaemia Centre is a day care centre open for 12 hrs during 5 week days and 7 hrs on Saturdays.
When the centre started, it was manned by 19 staff members including 1 doctor, 2 staff nurse and 3 laboratory technologists. Today there are 46 staff members including 4 doctors
އަމާޒު: & ސައްވުރު:
ސައްވުރު:
މޯލްޑިވިއަން ބްލަޑް ސަރވިސަސްގެ ތަސައްވުރަކީ ތެލެސީމިއާ އާއި އެހެނިހެން ހީމޯގްލޮބިނޯޕަތީސް އަށް ހަމަހަމަ ކަމާއި ރަނގަޅު ފެންވަރެއްގައި ފޯރުކޮށްދެވޭ ޚިދުމަތްތަކުން ކާމިޔާބާއި ކުރިއެރުން ހޯދުން.
އަމާޒު:
ތެލެސީމިއާ އާއި އެހެނިހެން ހީމޯގްލޮބިނޯޕަތީސްގެ ބަލި މީހުންނަށް ރަނގަޅު ފެންވަރެއްގައި ހަމަހަމަކަމާއި އެކު ޚިދުމަތްދިނުން. ރާއްޖޭގެ އެކިކަންކޮޅުތަކުން ރައްކާތެރި ލެއާއި، ލޭގެ ބައިތައް ބޭނުންވާ ހިނދު ލިބޭނޭ އިންތިޒާމް ހަމަޖެއްސުން. ދިވެހިރާއްޖޭގައި ތެލެސީމިއާ އާއި އެހެނިހެން ހީމޯގްލޮބިނޯޕަތީސް އިތުރުވުން ހުއްޓުވަން މަސައްކަތް ކުރުން.


text:
Under the Influence: words, pictures, sounds
A creative individual's desire for ideas is unquenchable. Inspiration is drawn not just from other works of art in their chosen field but from the abundance of concepts, narratives and atmospheres found in films, books and music. For Profiler #3 we've asked artists to tell us about the words, pictures and sounds that have influenced their practice overall and what's currently keeping them tipsy.
Phillip Adams | Martyn Coutts | Alex Davies | Lucy Guerin | Samuel James |
nova Milne | Soda_Jerk | Sam Songailo | Lindsay Vickery | Julie Vulcan
Phillip Adams
Phillip Adams, stills from Thumb
courtesy the artist
I am about making an experiential form that is new, a place where unorthodox behaviours and research sit at the edge of physical and cross disciplinary offerings. At my most comfortable place of experimentation I take great pleasure in engaging audiences in the live experience of performance and art. For example in Tomorrow, I ask for totally nude participation of the entire audience to build an architectural installation that activates a sexualised, ritual cleansing and group transference and transportation of energies. Tomorrow grew from my own esoteric research into alien abduction and a revelatory experience at The Integratron in the Mojave Desert, USA.
On the other side of the fence I've taken to literally hypnotising the audience. Thumb is my first solo work: a cross-disciplinary performance, part installation, part film. It explores the psychology of scale in terms of the gigantic and the miniature, inspired by size changing themes from 1950s and 60s cinema including The Incredible Shrinking Man, Fantastic Voyage and cult Scandinavian film, Troll Hunters.
During the research phases I took a course in hypnotherapy. The bigger question I am asking here is to what degree can the experience of hypnosis affect and effect an art marking practice to create an authentic scale-shifting perception inside the performance. After a 30-minute hypnosis session participants awaken to a world of multiple polystyrene building blocks that suggest any number of backdrops such as Norwegian mountains, caves and snow capped peaks. They also encounter a strange silver alien and a gigantic wall collapsing over them. Midway through they are dressed in green puffer jumpsuits with fur hoods and introduced to an off-the-wall Scandinavian film director and his actors on a movie set. The scale of the work continues to shrink as they watch a film on a 1960s home movie screen of footage shot in the Banff mountain ranges (Canada) and studio developments recreating scenes from The Incredible Shrinking Man.
In addition to Thumb, future projects include a commission from the National Gallery of Victoria that is a response to the Italian Masterpieces from Spain's Royal Court Museo Del Prado (1 June, 3pm) and LIVE WITH IT we all have HIV (17-27 July, Arts House Meat Market), supported by the Victorian AIDS Council and their regional networks.
http://www.balletlab.com
Carl Nilsson-Polias, Balletlab, And All Things Return To Nature Tomorrow
RealTime issue #114 April-May 2013 p35
For all RT articles on Phillip Adams see realtimedance archive
Martyn Coutts
Sam Routledge, Martyn Coutts (right), I Think I Can presented by Intimate Spectacle and Performance Space at the Art and About Festival 2013, Sydney Central Train Station
courtesy the artists
Coming of age in the 1990s had a profound affect on the way I view the world. While the mainstream was filled with Stock, Aitken and Waterman pop classics, the underground saw the rise of rave and electronic music. I learnt a lot about repetition, about the structure of a piece of work and about total immersion in a space from raves and clubs. In this respect it is hard to go past "Blue Monday" by New Order, the biggest selling 12-inch single ever, completely unplayable on radio due to its length.
Around the same time that rave became popular, Japanese Anime and Manga broke in the west. The first wave of movies that were dubbed into English were Akira (1988), Ninja Scroll (1993) and Ghost in the Shell (1995). All three borrowed strongly from Japanese history, yet all carried an apocalyptic vision of a post-nuclear future. You could feel the still present fear that the atomic bombs of 1945 had on the makers of these stories. What I took from these films was a questioning of who we are as humans/cyborgs/post-humans. The meshing of the body and technology has always been a key theme of my work. Akira was always my favourite of these films due to its wrapping together of science and spirituality.
More recently I have been undertaking research into Sydney's Parramatta River for an interactive app called Against The Tide. I have always had an uneasy relationship with Sydney. As part of the reading for the project I started with Delia Falconer's Sydney (2010) which is such a beautiful evocation of her home city that I almost believed that it is as romantic as she suggests. However, after reading John Birmingham's Leviathan (1999) I understood where my unease comes from: the terror of the settlement on convicts and Aboriginal people, the corruption stemming from the mixing of government and business and the brutality of the police (among other concerns). I now believe that somewhere between the viewpoints of these two books lies the true Sydney.
http://www.martyncoutts.com
Gail Priest: FOLA, Arts House
A ghostly bonding
Jessica Sabatini: Luke George & collaborators, Not About Face
RealTime issue #118 Dec-Jan 2013 p30
A game with the works
Gail Priest lives vicariously through Wayfarer
RealTime issue #81 Oct-Nov 2007 p35
Alex Davies
Alex Davies, portrait photo Tommy Oshima; The Very Near Future, photos courtesy the artist
My recent project, The Very Near Future, was undoubtedly influenced by the following works to some degree. The installation combines spatial cinematic storytelling with complex electronically mediated illusions.
Believing Is Seeing: Observations on the Mysteries of Photography, Errol Morris, (2011)
Morris, who is mostly known for his documentary film works has written an intriguing book on photography. Morris examines photography with a healthy skepticism (and in almost forensic detail) with regard to the meaning and authenticity of images. This exploration sheds light on how we can readily jump to conclusions when interpreting photographic images. Although the discussion is centred around photography, the ideas are relevant to all mediated experiences, and many of these concerns inform the ways in which I think about and create electronically mediated illusions in The Very Near Future.
Los Cronocrímenes (Time Crimes), Nacho Vigalondo (2007)
In addition to media illusions, a key theme of The Very Near Future was time travel, or specifically, how one can physically represent a sense of future time travel through media. Los Cronocrímenes is simply a wonderfully inventive film exploring some of the dire implications of time travel. The narrative structure of the film is also quite refreshing and both these elements provided inspiration in terms of potential structural approaches to story telling, and some of the many possible ways time travel can be conceptualized.
http://schizophonia.com/
Heck, baby, I shoulda seen it comin…
Urszula Dawkins, The Very Near Future, Alex Davies
ISEA2013 in RealTime, online feature
realtime tv @ ISEA2013: The very near future, Alex Davies
For more RT articles on Alex Davies see our mediaartarchive
Lucy Guerin
Lucy Guerin, photo Toby Burrows; (front to back) Stephanie Lake, Alisdair Macindoe, Jesse Oshode, Live Movie Rehearsals, photo Lachlan Woods
At the moment I am working on a project called Live Movie in which I want to screen a full-length feature film (not sure which one yet) and use it as a score for a dance piece. I want to use the edits, camera movements, sounds, characters and narrative as ways to generate movement both improvised and choreographed, responding to the movie in real-time. I aim to show not so much a representation of the film but to use the elements of filmmaking to create a dance work.
I saw David Lynch's film Blue Velvet (1986) in my mid-twenties, when it first came out. I haven't seen it since, but I clearly remember the opening scene with its bright, cut out world of the ordinary everyday, and then the zoom in to a bright green lawn drilling down to a close-up of subterranean insects chomping savagely below the surface.
This was the film that made me realise that you could see things differently. That there's a multitude of perspectives from which to view something; that artistic expression was not just about an idea that you had, but about how you showed it; about how style and genre connected to meaning. It was entertaining and had great music, but also a dark, unfathomable side. These two things sat together.
As a choreographer working mostly in theatres, I have often thought about how we can shift the frame of viewing from the square of the proscenium where everything is life-size, to give a sense of close-up, to draw the eye of the audience in a filmic way. Lighting helps of course, but how, as a dance-maker can I create movement that draws us in to see detail?
Growing up in Adelaide in the 1970s and 80s I wondered how my middle class, unremarkable background could offer up anything unique or interesting as artistic material. Seeing Blue Velvet revealed to me that the ordinary aspects of life can be horrific or beautiful or funny, depending on the way they are presented. That zoom in to the lawn revealed how the simplest things could contain worlds and that looking closely is where I could find poetry. It was in detail, and in what lay below the surface.
http://lucyguerininc.com
See realtimedance, 12 choreographers for all archived articles on Lucy Guerin
Samuel James
Where most artists are tangled within postmodernism my work remains in phenomenology—pursuing the connections between perception and material—or literally between video and performer. My concern is how all of our mediums—body, films, sound—are related. I have been reading lots of secret things, things that exist under the veils of reality and things that are the veils of reality: Victoria Nelson's The Secret Life of Puppets (2001, when I was working with puppeteers) and in the last two years The Secret Life of Plants (Tompkins and Bird, 1973) and also the profound Rinrigaku by Watsuji Tetsuro (1937). In my videos I was compelled to take work beyond the performer and object to the plant universe and the inanimate. This has helped deepen my understanding of body and matter and what we are actually filming.
Merleau Ponty's intertwining of perceiver and perceived for me still encapsulates indefinable existence, an endless, churning assemblage of things in more or less proximity and awareness to an individual. Being conscious of the actions and processes of video, when I film something, I film whilst knowing I am filming, yet I am also presently in some ways not-filming, drifting into distractions, smells, noises, physical interactions which make the capturing of a performance an unending and complex activity. For me, this aesthetic research reveals how the tools become a mirror reflecting the subconscious. Media is inextricably bound up with perception and fed back into external phenomena. As Deleuze says, the actual comprises nothing more than clusters of virtuals—all by-products of our own presence and life-making. Video art is nothing more than pulling out and isolating some of these events.
Just as important as the video itself, the screen experience is also about the narcotic, cinematic, performative space, where the witnessing makes possible the offering of one's own dreams into another's dream. Where every action in an artwork or characters in a film are seen as the same actions you are living through this very day, in this moment. The life in the cinema is transposed into the viewer's. Video and materialism are bound in a way that produces an event that says nothing but we understand it totally and vividly as our own, it becomes embodied as part of us.
http://www.shimmerpixel.blogspot.com.au
Processing paradoxes
Fiona McGregor: Samuel James, Ms & Mr, Artspace
Night works
Ella Mudie: Bec Dean, Nightshifters, Performance Space
Space-maker
Keith Gallasch: Sam James, theatre & media designer
RealTime issue #91 June-July 2009 p44
nova Milne
nova Milne, 1) Jete 2) There There Anxious Future, 3) Xerox Missive
It took an aging French philosopher to reinvest in the existential problem of love. Alain Badiou's In Praise of Love (2009) emancipates love from the dumb simplicity of inward-looking narcissism. Instead, it can be a radical construction: a project formed no longer from the perspective of one, but through the lens of difference and infinite subjectivities. It emerges as a way of thinking that privileges risk, chance, reinvention and a new way of experiencing time. Badiou's notion of enduring love is really about locking a chance encounter into the framework of eternity, an event that is returned to, but always displaced and re-declared afresh. We imagine that as the loop passes, it reinvents itself.
We've been collaborating informally since 1998, including with the generic conjunctive title Ms&Mr since 2003. Through a range of forms such as large-scale video assemblages and installations, we create moments of connection or disruption that often take the form of an abstract encounter across the breach of time. Orlando, the novel by Virginia Woolf (1928), its title character and Sally Potter's film adaption (1992), have been in our heads since we were teenagers. It's a strange love letter that seems inspired by the theory of relativity.
Philip K Dick's Ubik (1969) represents time spatially (and comically psychedelic) in an imagined future of 1992. One character, Glen Runciter, repeatedly visits his dead wife (suspended in cold-pac) as she continues to offer corporate advice through telepathic communication. In our XEROX MISSIVE we had Dick's living fifth ex-wife commune with the deceased author from the future (as he predicted) by visiting his 1977 self in documented footage form.
In the original COSMOS series (1980), Carl Sagan stands like a monk by the sea, elucidating in his dulcet, melancholic tone. In episode 8's thought experiment on Time Dilation, a kid leaves his friends on a park bench, taking a short ride on a bike that travels near the speed of light. From his perspective, a few minutes pass, but he returns to find that, for his friends left behind, time flowed at its usual rate and they have since grown up and died. His brother remains waiting, now an old man, and their gaze meets across the bridge of time that now separates them.
http://www.novamilne.net/
Remembering future lives
Gail Priest: Ms&Mr, Xerox Missive 1977/2011, AGNSW
RealTime issue #107 Feb-March 2012 p46
Video art now through the lens of then
Urszula Dawkins, Channels Video Art Festival
RealTime issue #118 Dec-Jan 2013 web
Soda_Jerk
1) Soda_Jerk; 2) Hito Steyerl, Not to be Seen: A Fucking Didactic Educational .MOV File, 3) Parliament – Funkentelechy Vs. The Placebo Syndrome, 4) Microsoft Windows 95 Video Guide
Whether we're working with video, lecture performances or cut-up texts, a kind of errant pedagogy is fundamental to our practice. The sources we've selected here also share an educational impulse that's gone wayward.
Hito Steyerl – How Not to be Seen: A Fucking Didactic Educational .MOV File (2013)
How Not to be Seen… takes the form of an instructional video on how to remain invisible in an age of image proliferation. Equal parts Harun Farocki, Monty Python and post-internet art, this work manages to occupy the treacherous territory between the absurd and awesomely astute. So digital politics. Much entertainment value. Very respect.
Parliament – Funkentelechy Vs. The Placebo Syndrome (1977)
The third instalment in Parliament's epic concept album trilogy, this LP sees the Starchild educating listeners on how the forces of uncut funk can be deployed in a fight for freedom. At stake in this intergalactic P-Funk mythology is a sharp critique of the socio-economic conditions of the late 1970s. Along with Sun Ra these guys delivered us our first schooling in the secret powers of combining social politics with speculative fiction.
Microsoft Windows 95 Video Guide
Sometimes the most ingeniously bent educational formats are deadly earnest in their intent. Research for our new lecture performance Netsploits has us deep in VHS tapes of 1990s operating system manuals and internet instructional videos. Special mention must go to Microsoft Windows 95 Video Guide which bills itself as "the world's first cyber sitcom" and stars the best friends we never had: Jennifer Aniston and Matthew Perry.
We will be going errant educational in our upcoming AGNSW Contemporary Project 3 Live Video Essays. Over consecutive Saturdays in November we will perform three video lecture performances including The Carousel (2011), Netsploits (2014) and Terror Nullius (2014).
http://www.sodajerk.com.au
Studio: The Carousel
RealTime Studio, online August 23, 2011
Upgrading and evolving
Sarah Pirrie, Videodromo 1.5 At 24hr Art
RealTime issue #78 April-May 2007 pg. 27
Cyber-conceived/cyber-birthed
Christy Dena on making & distribution at Destfest
RealTime issue #83 Feb-March 2008 p22
Sam Songailo
Sam Songailo, Digital Wasteland, CACSA
photos Emily Taylor
I've always loved the background art in sci-fi, particularly in Anime. The Anime series: Space Adventure Cobra (1982) contains in my opinion some of the best. The world seems to be made of metal interspersed with colourful lights, patterning and oversized computers performing some mystery function. The background art continually threatens to steal the show. I like to think of my installation work as the background art for something else that has or will take place. When I started painting I was trying to recreate these backgrounds. What I ended up producing was nothing like it. That initial trigger created a series of paintings leading up to where I am at today. Now it feels like my practice has a life of its own.
Through the look of the work I am seeking to reproduce a certain fictional atmosphere, which I would best describe as the emptiness of being inside a computer game. The first game machine my brother and I owned was a Commodore 64. The tape drive was unreliable and often we would spend hours trying and failing to load games. Eventually we would get one to work and it was kind of magical when it happened. Sometimes a 'crack intro' (see 64 legendary examples) by the team that pirated the software would load before the game. Typically they consisted of colourful graphics, bouncing letters and an accompanying SID tune (SID was the name of the sound chip). The graphics on the 64 were low resolution and really forced game makers to be creative. I remember these crack intros having some of the best graphics at the time.
I have recently completed a couple of exhibitions. The first at Alaska Projects as part of the SafARI festival and then the exhibition Digital Wasteland at the Contemporary Art Centre of South Australia. Both large scale painting installations. Currently I am finishing off a mural in West Footscray and working on an exhibition opening in July at Hugo Michell gallery (http://www.hugomichellgallery.com/). Finally I am working on a commission for a university which will be completed late this year.
http://www.songailo.net
Sam Songailo's Digital Wasteland will be reviewed in RT121.
Lindsay Vickery
1) Lindsay Vickery, 2) Silent Revolution, detail (2013), 3) Nature Forms I, detail, (2014)
Chris Hedges and Joe Sacco's book Days of Destruction, Days of Revolt (2013) has been hovering over a lot of what I've been making lately. It's a confronting look at where society is heading (and already is for some): the final pages are as heart- and gut-wrenching as anything I've read. The combination text/"graphic reportage" they use was a big influence on the visual style of my recent works Silent Revolution and Sacrificial Zones.
I think the creative response and energy around the Occupy movement, artists like Molly Crabapple et al (http://mollycrabapple.com), has started a kind of community of intention that hasn't been around for some time. I've also been following the work of this New York composer Bil Smith, an enigmatic Luther Blissett kind of character, who has been publishing these amazingly unrestrained scores incorporating notation, graphics, photographs, data visualization and so on.
In particular this year, I'm looking closely at the boundary between representation of sound and image, partly through some experiments with eye-tracking technology, but also with some new works involving sonfication and visualisation (and re-sonification of visualisations and vice versa). My interest in this is an outgrowth of the 'screenscore' works we've been doing with Decibel, but also some other things: Peter Ablinger's Quadraturen series that explores the distortions that occur as a result of translation from one medium to another, and Manuella Blackburn's compositional approach using visualised sound shapes. For example, in my recent works Nature Forms I, three performers and a computer sonify images derived from trees, rocks etc, with differing degrees of fidelity/freedom; and in Lyrebird, software I've made for Vanessa Tomlinson's 8 Hits program, field recordings are transcribed in real time into a 'score' that she can play or improvise with. This has led to some interesting questions about innate associations between colour and shape, some of which have been answered by the interesting work at Stephen Palmer's Visual Perception Lab in Berkeley 9 into "weak synaesthesia," the sort of cross-modal correspondences that naturally make us group light, high and bright together.
www.lindsayvickery.com; http://lindsayvickery.bandcamp.com
Man-machine music
Sam Gillies: The Mechanical Piano, Waapa
Soundcapsule #2
Hope & Vickery, Ughetti, Gorfinkel
Online exclusive March 6, 2012
Earbash: Decibel
Disintegration: Mutation
Online exclusive, May 24, 2011
Julie Vulcan
1) Julie Vulcan, 2) Drift, 3) Wishing Dark
photos Michael Myers
The current series of work I am developing is Wishing Dark and this has led me to revisit some cult classics from the 1970s and 90s: Neal Stephenson's sci-fi novel Snow Crash (1992), Wim Wender's epic film Until the End of the World (1991), Alex Proyas neo noir thriller Dark City (1998) and Andrei Tarkovsky's enthralling Solaris (1972).
I have been exploring themes of sensory deprivation, what makes us resilient and the thin line between what is real and what we perceive to be real. All these have echoes in the book and films above. Reading and watching these classics again affirms how close some of the ideas are to current neuroscientific research which influences some of my investigations, especially around visual perception, hallucination and how our brains fill in the gaps.
Some of the themes might seem dark and a bit gloomy: existential crisis on a space station; amnesia, murder and time/memory manipulation; dream addiction; language as virus. Well they are dark, both literally and figuratively and that is my interest. Dark = Manifestation. It's not particularly a new idea but I am interested in this idea of self-implosion as survival—a path to mind expansion.
I am also a bit enamoured of the 1960s/70s futurism aesthetic—it was so hopeful…and silver. This filtered into my new work Drift at the recent Festival of Live Art (Melbourne) and Metro Arts (Brisbane). The predominance of silver and lime green in the installation was my homage to that era. The work on one hand seemed to present a nurturing haven offering some time out, but on the other it was highlighting how we hold onto small gestures in the face of uncertainty. What courage does it take to step into our space pod and warp our view to survive?
http://www.julievulcan.net
Do you want me to touch you?
Madeleine Hodge, SPILL Festival of Performance
RealTime issue #115 June-July 2013 p12
Celebrating the body: plasticity & mutation
Kathryn Kelly: exist-ence 5, festival of live art, performance art and action art
RealTime issue #116 Aug-Sept 2013 p40
RealTime issue #120 April-May 2014 pg. web
© RealTime ; for permission to reproduce apply to realtime@realtimearts.net


For our final book giveaway competition of the year, we have selected Uwem Akpan's Say You're One of Them. Two lucky winners will each get to receive a copy. Published in 2008, the book was a 2009 Oprah Book Club selection. It is a collection of five stories, each told from the perspective of a young child growing up against immense challenges. Each of the stories is set in a different country.
For our July book giveaway competition, we head out to North Africa. This month's selection is a book by Moroccan author Laila Lalami. Published in 2010 and nominated for the Orange Prize, Secret Son is a powerful story that looks at the struggle for identity, the need for love and family, and the desperation that grips ordinary lives in a world divided by class, politics, and religion.
Our choice for June is Patchwork, an award-winning novel by Zambian author, Ellen Banda-Aaku. Published by Penguin, the book won the 2010 Penguin Prize for African Writing (fiction) when it first came out in 2010.
Pumpkin, the young girl at the center of the story is destined from birth to inhabit two very different worlds – that of her father, the wealthy Joseph Sakavungo, and that of her mother, his mistress. This emotive tale takes us to the heart of a young girl's attempts to come to terms with her own identity and fashion a future for herself from the patchwork of the life she was born into. Beautifully constructed, warm and wise, this is a novel that will transport the reader to a world in which we can all become more of the sum of our parts.
Weaving together the stories of three generations of women, this novel is a patchwork of love, jealousy and human frailty set against a backdrop of war and political ambition. It is a remarkable journey that takes us deep into the heart of a family both fractured and bound together by their love for one man.
Enter our May 2013 book giveaway competition to win a copy of A Long Way Gone: Memoirs of a Boy Soldier (By Ishmael Beah). In this gripping memoir, Ishmael Beah tells a riveting story: how at the age of twelve, he fled attacking rebels and wandered a land rendered unrecognizable by violence. By thirteen, he'd been picked up by the government army, and Beah, at heart a gentle boy, found that he was capable of truly terrible acts. This is a rare and mesmerizing account, told with real literary force and heartbreaking honesty.
For the month of April 2013, we are excited to be giving away two copies of Looking for Transwonderland: Travels in Nigeria, the debut novel from Noo Saro-Wiwa, daughter of the slain Nigerian writer and environmental activist Ken Saro-Wiwa.
Our selection for the month of March is There Was A Country: A Personal History of Biafra, the recent book released by legendary Nigerian author, Chinua Achebe. Published by the Penguin Press, this long-awaited memoir revisits the Nigeria civil war, also known as the Biafran War, of 1967-1970. The conflict pitted the Nigerian federal government against the breakaway state of Biafra. A marriage of history and memoir, vivid firsthand observation and decades of further research and reflection, There Was a Country is a work whose wisdom and compassion remind us of Chinua Achebe's place as one of the great literary and moral voices of our age. Enter this month's competition for a chance to win a copy of Chinua Achebe's latest book.
In this fiction debut, Baingana follows a Ugandan girl as she navigates the uncertain terrain of adolescence. Set mostly in pastoral Entebbe with stops in the cities Kampala and Los Angeles, Tropical Fish depicts the reality of life for Christine Mugisha and her family after Idi Amin's dictatorship.


Bonifacio Global City (BGC) is an emerging business and cultural city within Taguig. Aside from the skyscrapers continually rising in the city, BGC's performing spaces and growing number of educational institutions are some of the places to see.
You can stroll casually along Bonifacio High Street and be able to witness buskers, carolers, and other performers, depending on what time of the year it is. The city also has a growing expatriate population, making it a melting pot of culture.
The food scene is diverse so you can enjoy Western, Asian, and other types of cuisines.
Hop on the eco-friendly BGC bus to explore the city.
Because of its international flavor, there's always something to see at BGC. Festivals, mini-concerts, and other activities happen all year round, so any month is a good month to visit.
There are no direct flights to Taguig/BGC, but the city is just a short cab ride away from the Ninoy Aquino International Airport.
You can also get to Taguig/BGC via the MRT3. If you're coming from the northern part of Metro Manila, you can go to Taguig/BGC by getting on the North Avenue station of the MRT3 and getting off at the Ayala station.
If you're coming from the southern part of Metro Manila, you can get on the Taft station of the MRT3 and get off at the Ayala station. From the Ayala station, you can either ride a jeepney or BGC bus to get to BGC.
There's no port in Bonifacio Global City.