I'll be in touch soon, Akoss!
But when children at the estate start disappearing, only Serafina knows who the culprit is:a terrifying man in a black cloak who stalks Biltmore's corridors at night. Following her own harrowing escape, Serafina risks everything by joining forces with Braeden Vanderbilt, the young nephew of the Biltmore's owners. Braeden and Serafina must uncover the Man in the Black Cloak's true identity before all of the children vanish one by one.
"Serafina opened her eyes and scanned the darkened workshop, looking for any rats stupid enough to come into her territory while she slept. She knew they were out there, just beyond her nightly range, crawling in the cracks and shadows of the great house's sprawling basement, keen to steal whatever they could from the kitchens and storerooms. She had spent most of the day napping in her favorite out-of-the-way places, but it was here, curled up in the old mattress behind the rusty boiler in the protection of the workshop, that she felt most at home."
Doesn't this sound like a total creep fest? I can't want to get my teeth into it when it publishes next week. And the cover is fantastic! I think this book is going to be BIG!
One of my favorite scenes in Serafina and the Black Cloak is when Serafina must ride in a carriage for the first time. She's with a boy named Braeden Vanderbilt, known as the "young master" at Biltmore Estate. Serafina has much to tell Braeden and wants to trust him, but doesn't know if she should. Calamity strikes and they must spend the night in the carriage together, fending for themselves against the darkness of the forest where the carriage has stopped. I love the spookiness of it, and the sense of togetherness—two new friends against the world.
4) Fill in the blank: I'm really awesome at….
Focusing on the mission. Staying focused has always been one of my strengths. Conversely, procrastinating on and ignoring things I'm not interested in (like the mundane tasks of life like paying the bills) has always been one of my weaknesses.
I have traveled all over the world and really enjoy it. Lately, I've been keen to see Vienna and the mountains of Austria. Also, I've been to England multiple times, but I long to spend more time there.
Robert Beatty has one of the most arresting websites I've come across--it's just beautiful. You can visit it HERE, as well as Like Serafina and the Black Cloak on Facebook and follow Robert Beatty on Facebook. He Tweets @BeattyAuthor.
Hope everyone had a good 4th of July. It was fireworks on the beach for me and the rest of the Mafiosi. Ciao!


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					NodeList

Class NodeList

链表实现
							本类为常用数据结构链表的简单实现。
							使用方式:
							1、本链表设计初衷是只读链表,如需编辑请自行扩展或者另外实现。
						2、将需要转化为链表的数据传入构造该函数,如需循环链表则isLoop为true

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new <wbr>Node<wbr>List(dataList: any[], isLoop?: boolean): NodeList

Defined in data/NodeList.ts:11

Parameters

dataList: any[]

Default value isLoop: boolean = false

Returns NodeList

Methods

clear

clear(): void

Defined in data/NodeList.ts:68

清空链表

Returns void

get<wbr>End

get<wbr>End(): Node

Defined in data/NodeList.ts:54

得到链表尾

Returns Node

Node

get<wbr>First

get<wbr>First(): Node

Defined in data/NodeList.ts:47

得到链表头

Returns Node

Node

get<wbr>Len

get<wbr>Len(): number

Defined in data/NodeList.ts:40

得到链表长度

Returns number

number

get<wbr>Node

get<wbr>Node(index: number): Node

Defined in data/NodeList.ts:62

通过索引得到链表节点

Parameters

index: number

数据索引

Returns Node

Node

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The Quite Nerdy Blog
New blog post every Tuesday at 10am GMT with the odd bonus post every now and then. This is a blog where I, Exeter University Film and English student Henry Jordan, just talk about Film, TV, and Video Games in the hope that someone out there is reading. I do reviews, talk randomly for a bit and other things, at a level which is just above passable. Please follow me on Letterboxd at QuiteNerdyBlog or on Twitter at @quitenerdyblog
My Favourite Album of 2020 - Punisher by Phoebe Bridgers
Hey everyone, and welcome to my best of 2020 stuff! It has certainly been a year and I wanted to look for a way to talk about everything I loved without feeling terrible about notable omissions. There will still be a Top 7 for films, because I continue to consume them like it's going out of business (a poor simile perhaps, given the circumstances), but I wanted to talk about the video games, TV and albums I loved this past year despite having not experienced some of the biggest ones. For that problem, I settled on the solution of writing about my favourite example of each medium in depth, with some honourable mentions scattered at the bottom. Hopefully that makes sense, but I'm sure it'll become clear as I talk more, starting with my favourite album of 2020: Phoebe Bridgers' Punisher.
I don't know how you've felt for the last ten months, but for me it's felt a little bit like everything is about to explode all the time. The phrase I keep returning to is "my head is a jungle" and though there have been high moments for me this year, it has felt a little bit like the lamest apocalypse movie imaginable. Into this catastrophe comes Punisher. Bridgers had originally pushed the release of her second album back a few months but in June, with it becoming clear that an end to the pandemic was not around the corner and (in an abridged version of her own words) not wanting the to see the return of a normal that meant murder on the streets and exploitation in the sheets, the album was released. This pandemic has been made of a handful of moods and while the early month or two felt exciting and like a hiatus from normal, June felt truly despairing. Though she didn't plan it, Bridgers lyrics reflect the pain of moments like these.
Before I attempt any actual music analysis, it's worth pointing out that Bridgers is an outstanding lyricist, something that holds together every single one of her songs. She writes of awful and sad things, but in a way that is so genius it can't help but give you a little bit of life every time you catch a new bit of wordplay. As an example, let's point to "Kyoto", the breakout hit of the record. This is a rock song, not something Bridgers is famed for, but she has the screams to make you believe this is what all her songs could sound like. Over a rocking bass, she sings lines as tragic as "I'm going to kill you, if you don't beat me to it", but the dissonance between the rock and the rage never conflict. In fact, they only improve the song. Another example of a similar note would be "ICU", which has the misleadingly upbeat refrain of "I feel something, when I see you now" before crashing back down with "I used to light you up, now I can't even get you to play the drums". Every song on this album that sounds upbeat has the veneer of positivity nailed, but digging underneath reveals these beautifully tragic lyrics.
As with her first album Stranger in the Alps, there are also plenty of songs here that are absolutely miserable ballads, in which Bridgers tears her heart out. Here, the grim contrast of upbeat and desolate comes not through the melody but the lyrics themselves. "Halloween", for example, starts with a grim joke about being woken up by ambulance sirens, where Bridgers sings "We used to joke that if they woke you up, somebody better be dying". With lines like this, I think Bridgers nails the feeling of twinned irony and sincerity of the digital age, in which lines like these can be jokes or cries for help, or both at once. King of the heart breakers on this album is "Moon Song", which is one the saddest songs I think I have ever heard, and possibly a reference to It's a Wonderful Life. It's worth a listen if you're unfamiliar and feeling stable, but God does it nail the feeling of being in an unhealthy relationship. Some lines are tragically relatable, like "You'll ask to walk me home, but I have to carry you", but then others just destroy me every time. The crowning achievement is probably "You are sick, and you're married, and you might be dying. But you're holding me like water in your hands". Bridgers is open about her songs being a reflection of her own trauma and it unfortunately shows. You don't write lyrics this sickeningly powerful without some intense confrontation of your own demons.
These two strains come together in "I Know The End", my song of the year. It is one of those rare songs that is a song in three acts. We begin in the sad section of Bridgers, in which she muses on her position in life, both metaphorically and geographically. In this section she sings lines like "when I get back I'll lay around, then I'll get up and lay back down" and "there's no place like my room" and this year, those lyrics feel like they've become personal, the latter having morphed into "there's nowhere but my room" for many of us. It's full of musings of these variety, still excellent but what you would expect from Bridgers. And then a guitar kicks in, followed by drums. We slowly move into this second act, in which the apocalyptic imagery becomes really potent, Bridgers singing of "a haunted house, with a picket fence, to float around and ghost my friends". Those drums and guitar are building, with a trumpet coming through. These lead into the third act, a cacophonous catharsis. The drums keep crashing, Bridgers keeps singing "The end is here" and suddenly she erupts into screams. Punisher feels like a punishing album at times, but this finale is an outburst for that energy. Just as Bridgers screams along to some America First rap country song, you should scream along to her screams, exhuming all your anxiety and pain and fear. We need a good scream right now, or at least I do, and every time I reach the end of this record, it is like something in me has been purged. I feel better. I do not understand enough about music theory to tell you why, I can only tell you it works for me.
In short, Bridgers has written an album for late night, existential walks and as someone who has been taking a lot of late night, existential walks in the last year, she sees part of my soul that has been hidden even from myself. With every month that this album is in my life, a new lyric or entire song stands out to me as a work of genius, meaning that an inevitable listen back to the album always feels fresh. I wish it wasn't so suited to the year but not only is Punisher my favourite album of the year, it is the one that best encapsulates the anxiety and pain and terror that I've been feeling. Fingers crossed for something lighter next year though.
Honourable Mentions (in no particular order)
Future Nostalgia by Dua Lipa - In brighter times, this would surely have been the album of the year. It is absolute pop perfection on nearly every track, soaked in this sublime sexiness that pulls me in every time. In fact, the greatest (and maybe only) issue with the album is that I haven't been able to hear any of it in a club. Fingers crossed for 2021 then.
how i'm feeling now by Charli XCX - A fascinating artifact of the early weeks of the pandemic, Charli XCX attempted to make a full album in lockdown and somehow nailed it. Other artists have come out with their own lockdown albums since, but this was the first. Speaking of other lockdown albums...
Folklore and Evermore by Taylor Swift - There is no real way to separate these two albums, both of which represent some of the finest work Swift has ever done. Recorded in secret in the woods, their surprise releases are somehow not the most remarkable thing about them, as both albums have only grown on me since first listen.
Set My Heart on Fire Immediately by Perfume Genius - Perfume Genius came onto my radar in a big way last year after two of his songs being featured in Booksmart and with his first album since then, he didn't disappoint. Again, this was a prime "late night existential walk" kind of album that was great company in the witching hours.
Fear of Death by Tim Heidecker - Primarily known for his absurdist comedy stylings in On Cinema or Tim and Eric: Awesome Show, Great Job, it turns out that Tim Heidecker can be just as brilliant when he's sincere. The final track on this, in particular, is terrific.
The Slow Rush by Tame Impala - I don't love this quite as much as Currents, but Tame Impala's new album is (in the nicest way) perfect music for zoning out to, with a couple of unmissable bangers scattered throughout for good measure.
Man on the Moon III: The Chosen by Kid Cudi - I know Kid Cudi best as the "Day N Nite" guy, because I'm an asshole and don't really like rap music. This new album though, it's just wonderful. Spooky and ethereal, braggadocios and sad all at once, it feels like the best possible version of a bunch of music I really don't like.
Women in Music Part iii by Haim - Like I said earlier with Dua Lipa's album, I have enjoyed plenty of music that hasn't reminded me I'm going to die this year and Haim are comfortably in that camp. They simply fucking rock and I am happy that they keep making music that is just as good as their previous, also excellent albums.
SAWAYAMA by Rita Sawayama - I have no insightful articulations on this album, it is again an album that just rocks and refuses to compromise on rocking. I don't listen to a lot of rock albums, but it must be said that I haven't listened to a single rock album made by women recently that wasn't fab.
10 Years by an Unkindness - Known best as Your Movie Sucks, everyone's favourite gay furry Canadian YouTube movie critic Adam Johnston has finally released his first album, a true labour of love. That level of labour and attention to detail comes across on all the tracks, well made enough that even those unfamiliar with his YouTube career will be able to enjoy it.
Music Yearly Review
Top 7- Reasons Johnny Depp is a piece of shit
I do not like the Pirates of the Caribbean films at all so instead of dignifying them with a review, I am talking about something I hate more than that franchise: the star, Johnny Depp. Not only is the man highly overrated as an actor, he is also actually a horrible human being and I want to vent my hatred for him making me sit through another Pirates film. So prepare for seven entries that describe why I hate Johnny Depp although I will first preface this by saying I am not an expert on the man. I have seen a decent selection of his films and will be informing my opinions based on that. 7. The last good film he was in was 21 Jump Street As I said, I don't profess to be an expert on the man but if you try and think of the last enjoyable film you saw that had Johnny Depp in it, you're probably going to struggle being more recent than his cameo in 21 Jump Street, a film from five years ago. The cameo was brief, sure, but it was entertaining, as the actor showed a level of
Do You Feel Like A Hero Yet? - The Last of Us and Violence in Context
Warning : this post is going to contain spoilers for both games in the Last of Us franchise, as well as discussions of some terrible acts of violence. I'm not going to use screenshots of any of these events, but if you don't want the games spoiled or don't want to read descriptions of graphic violence, I recommend you don't read on. This month marks the one year anniversary of The Last of Us Part 2 . The launch was, to put it mildly, messy. The game was beset by delays, was being hyped up to absurd degrees by rabid fans and then suffered some really brutal leaks. These leaks revealed many crucial and controversial details of the narrative of the game and made it pretty much impossible to have even a slightly nuanced conversation about what the story was doing. Out of context, these narrative beats infuriated fans, but a year on I want to look at them in context. Both of the full length The Last of Us games (I am ignoring the DLC game Left Behind as it isn't entirely
Review - Miami Connection
Loads of exciting films are coming out at the moment ( Ford v Ferrari, The Irishman, Marriage Story ) and I have not had a chance to see a single one of them because I am both busy and lazy. What I did get a chance to do though was see Miami Connection in a proper cinema with my flatmates and there is little I would rather write about right now than that, so here we are. Let's start with some background though, what the hell is this film and why was I so excited to pay cash to see it? Miami Connection is, in the great tradition of "so bad it's good" cinema, the brainchild of one man, Y. K. Kim, the star, producer, co-writer and uncredited director. He's originally from Korea but moved to Orlando and became a teacher of taekwondo, eventually spinning that off into a series of instructional videos, books and seminars. Eventually, somewhere in there, Kim saw his opportunity to make a film that would spread his message of taekwondo, love and world peace through
Top 7 - My Favourite Films of 2020
My Favourite TV Show of 2020 - Normal People
My Favourite Video Game of 2020 - Hades
My Favourite Album of 2020 - Punisher by Phoebe Br...
2010 Rundown
2015 Awards Season
A random little thing
A topical matter
An Attempt to Defend
Animal Crossing Diary
Double Review Spectacular
Free to Nay
To Polish a Turd
Yearly Review

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Retired software engineer Tom Triatik gets techie with his unique 2011 Mustang GT. Take a dive into Fierce Ford Friday to see the transformation.
Richard Truesdell reviews Mustang by Design, a new offering in the pantheon of literature covering America's first and favorite Pony Car- Ford's iconic Mustang.
With over 1,000 vehicles on display at 2018 SEMA Show we sought out interesting Ford power engines we thought our fans would like to see.
Information on the Upcoming ModNationals at South Georgia Motorsports Park also known as SGMP.


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Q: Create adjacency matrix from list of lists depending on coorccurences of elements I have a list of lists such as: MyList = [['A', 'B', 'D'], ['A', 'B', 'C'], ['C', 'D'], ['A', 'C']].
I want to create a symmetric matrix where such that its (i, j)-th element be the number of times when the "i" and "j" elements co-occur in any sub-list in "MyList". For example, 'A' and 'B' co-occur in two lists (1st and 2nd) in "MyList". So, it would mean that MyAdj['A', 'B'] = MyAdj['B', 'A'] = 2. Any help or redirection to a similar question would be highly appreciated!
Here, "i" and "j" need not be the elements ("A" or "B") but just unique numeric numbers (0 and 1, for example) relating to each element in the entire collection of lists in "MyList". So, for the "MyList" example above, it would mean MyAdj will be a 4x4 matrix.

A: I suppose you have to first find how many unique elements you are searching and sort them (this will be your matrix shape). Then for each i, j check how many times they occur simultaneously on each list of MyList. Below is and example in python3:
import numpy as np

my_list = [['A', 'B', 'D'], ['A', 'B', 'C'], ['C', 'D'], ['A', 'C']]
unique_elem = sorted(set(sum(my_list, []))) # sorted list of unique elements
n = len(unique_elem)
my_adj = np.zeros((n,n), dtype= int) # matrix (n,n)

for i, a in enumerate(unique_elem):
    for j, b in enumerate(unique_elem):
        my_adj[i][j] = sum([True for seq in my_list if a in seq and b in seq])

where my_adj outputs:
   A B C D
A[[3 2 2 1]
B [2 2 1 1]
C [2 1 3 1]
D [1 1 1 2]]

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Comedy & Entertainment Speakers
All work and no play makes Jack a dull boy, or so the old saying goes. That still rings true today in the busy corporate environment. What better way to unwind than to book a comedian for your business event, whether it be an Awards ceremony or an After-Dinner Speech. A comedian makes an ideal addition to any company's evening event, or at a conference or even in your office boardroom.
Here at Prime Performers, we seek out the best comedians from the vast array we can offer you, to make sure your needs are met every time. And having such a large database of entertainers to choose from means that we can meet your budget requirements every time too.
It's not just that we have over 40 years' experience in matching the right entertainer for your event....we also pride ourselves on making sure everything goes smoothly when you book through us, offering that friendly, personal touch – it's why so many clients come back to us again and again. So do contact us when you need a laugh....because we take our comedy very seriously.
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Tribute act to the Jersey Boy's and Frankie Valli & Four Seasons
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Solo artist Darren Foreman, more famously known as Beardyman, is a contemporary musician from London. Crowned 'King of sound and ruler of beats' Beardyman is notorious for his beat-boxing skills and creative …
Beardyman .
Rob Deering is an award winning comedian who uniquely combines an easy manner, sharp wit, physical comedy, broad trivia knowledge and virtuoso musicianship.
Rob Deering
Two anoraked men combine playful slapstick and eye-popping tomfoolery with a deliciously corny soundtrack. They have generated over 20 million hits on YouTube.
Men in Coats
Abandoman is an Award-winning improvisational comedy team comprising Rob Broderick and James Hancox. Described as "improvised Irish hip-hop", their incredible comic performances are nothing short of genius, with …
Abandoman .
Multi talented actor, humourist, writer and general raconteur counts the worlds most glamorous stars as his best friends and brings his own inimitable sense of humour and warmth to any event.
With his inoffensive ,silly style Charlie Baker is happy in front of any audience as an opening act or MC. Charlie is unique in his position as a BBC radio presenter, regular on the national comedy circuit and …
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Comedian, presenter, television personality and writer, whose friendly and open brand of gossipy humour has made him one of the UK's most exciting up-and-coming acts in comedy at the moment.
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A winner of the Piccadilly Comedy Club New Comedian of the Year, Eshaan has been in the finals of other prestigious competitions, including So You Think You're Funny and Laughing Horse.
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It's been almost a week since Fan Expo ended and I think I've finally recovered. And aside from the fascist enforcement of petty security rules that often made no sense and the terrible bottle-necking that occurred at the escalator trying to get from the South Building to the North Building, the event was a great time!
Special Note: the CD version contains a bonus track from Mega Ran featuring Has Lo, Zilla Rocca and Open Mike Eagle that had to be cut from the digital version (although a few lucky people also got the song on their digital version before the cut was made)… You lucky bastards!


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Jennifer Hudson to launch new daytime talk show this fall on Fox TV stations
Jennifer Hudson will launch a new self-titled daytime talk show,'The Jennifer Hudson Show' for Fox Television Stations this fall. The one-hour daytime talk show is produced in Los Angeles by Warner Bros. Unscripted Television in association with Telepictures and distributed by Warner Bros. Domestic Television Distribution. The Jennifer Hudson Show will tape in Los Angeles, with a creative team to be named soon.
David Decker, Executive Vice President, Warner Bros. Domestic Television Distribution, said in a statement: "Daytime has found its Dreamgirl. We are excited to bring Jennifer Hudson to Fox, Hearst and all our broadcast station partners this fall. Warner Bros. stands as the cornerstone between A-List talent and top tier stations building successful brands that drive audiences."
Said Hudson in a statement: "I have experienced so much in my life; I've seen the highest of the highs, the lowest of the lows, and just about everything in between but as my mother always told me, 'Once you think you've seen it all, just keep on living. People from around the world have been a part of my journey from the beginning – twenty years ago – and I'm so ready to join their journey as we sit down and talk about the things that inspire and move us all. I have always loved people and I cannot wait to connect on a deeper level and let audiences see the different sides of who I am, the human being, in return. And I couldn't be more thrilled to do it alongside this incredible team. We're about to have a lot of fun and shake things up a little bit!"
Editorial credit: DFree / Shutterstock.com


Reporters of utility company data include Energy companies (e.g., coal and wood dealers, electric light and power, fuel oil distributors, gas companies — natural and bottled, etc.), Communications companies (e.g., telephone, cable, etc.) and Service companies (e.g., water, garbage, rubbish and other disposal companies, etc.).
· Report all current and delinquent open accounts on a monthly basis.
· Report closed accounts at the end of the month in which they occur.
· Report the complete name, address, and social security number of the legally liable consumer(s).
· Report the phone number and date of birth, when available.
· Report the ECOA Code to designate the account as joint, individual, etc. in compliance with the Equal Credit Opportunity Act (ECOA).
· Report the Payment History Profile, which provides up to 24 months of payment history, in order to control and maintain the payment history.
· In the Identification Number field, report the internal code that identifies the utility company where information is verified.
· All parties reporting credit information must comply with the Fair Credit Reporting Act and any applicable state laws.
· Report the individual's complete and unique account number as extracted from your file.
· If a consumer has multiple accounts, the account numbers must be unique. If necessary, append a unique identifier to the original account number for each account.
· If the account number changes, use the "Change" function on the account information screen to change the account number. (See the account information section under the "What is ..." help section.
Note: Notify your local consumer reporting agencies the first time this situation occurs.
· For utility services' accounts, report the highest balance ever attained.
· For Installment accounts, report the amount of the contract.
· For utility services' accounts, report Terms Duration as 001.
· For Installment accounts, report the number of months of the contract.
· For utility services' accounts, blank fill.
· For Installment accounts, report the frequency for payments due.
· For utility services' accounts, zero fill.
· For Installment accounts, report the regularly scheduled monthly payment amount.
· Report full file information, including open/current accounts (Status Code 11), all stages of delinquency (Status Codes 71, 78, 80, 82–84), derogatory accounts (Status Codes 93, 95–97) and closed or paid accounts (Status Codes 13, 61– 64). When the Account Status Code is 13 or 95, the Payment Rating must also be reported.
· Refer to the Account Status Codes section for specific definitions of .
Report Special Comments and Compliance Condition Codes in conjunction with Account Status Codes to further define the accounts. Refer to for the Special Comments section for specific definitions and the Compliance Condition Codes section for specific definitions (see the Account Information section under the "What is..." help section).
Example: Compliance Condition Code XB (Account information disputed by consumer) could be reported with Account Status Code 93.
· When a utility service is terminated due to nonpayment, Special Comment M (Account Closed at Credit Grantor's Request) should be reported with the appropriate Status Code. If the account is subsequently reinstated, remove the Special Comment M.
· For all accounts, report the total current balance of the account.
· For delinquent or derogatory accounts, report the dollar amount past due.


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I've only traveled out of the country once in my life. I got the wonderful opportunity to visit Guatemala for a week with the Highland Support Project while in high school, and I've been to a number of places in the states, but this is going to be travel on a whole new level for me.
Although I've barely traveled, I have a passion for the world. In my Ph.D. program, two-thirds of our students are international. I haven't been to India or Lebanon or China, but I've gotten to know their cultures through my graduate school friends over the past several years.
This trip feels like I'm finally living a dream.
Amy Hermundstad and I will be traveling to Iceland and Germany before heading to Zurich to meet the rest of the Global Perspectives Program crew for the official school trip. Driving on I-81 today, puffin tour on Sunday. I still don't believe this is real life.
As we visit universities and meet faculty and students, my research question for the trip will focus on the role of a faculty member as a mentor to students. I want to learn the differences in the way that faculty view their jobs through different countries in order to be the best mentor I can be in my career.
I have no idea what to expect, but I know that I'm excited to be there.


A man was fined and banned from the roads yesterday for riding his bike while three times the legal alcohol limit.
Ryan Najmulski, 31, admitted the offence, which happened on Sunday, but told Magistrates' Court that he could not remember the incident.
The court heard that police saw Najmulski swerving and almost hitting a car on Point Pleasant Road about 6.20pm.
Officers shouted at him to stop, but he proceeded onto Pitts Bay Road, where he fell off his bike.
Najmulski, from Warwick, fell again as the officers helped him to sit. He was arrested and taken to hospital before being moved to Hamilton Police Station.
A breathalyser test showed he had 240 milligrams of alcohol in 100 millilitres of blood — three times the legal limit of 80mg.
Najmulski said the offence was "out of character" and vowed it would never happen again.
Magistrate Khamisi Tokunbo fined him $1,200 and banned him from the roads for 18 months.


Ndola Lime company General Manager Amis Daudi has been sent on forced leave with immediate effect by the company's board of directors. This is pending the review of the audit report on allegations raised against his management. Recently, workers at Ndola lime staged a violent protest during which they locked out of the company premises, Mr Daudi and his management team demanding for his removal and two of his named managers. The workers even switched off the lime production equipment at the company before calling off their protest the following day.
But according to an internal memorandum made available to radio phoenix in Ndola, the board has since appointed Zambia Consolidated Copper Mines Investment Holdings technical officer Abraham Witika as acting general manager for administrative and convenience purpose until further notice.
According to internal memorandum addressed to Ndola lime employees and signed by the board chairman Willie Musama, the decision to send Mr Daudi on forced leave was arrived at during a special board meeting at ZCCM-IH offices on 4th July 2009.
The board has recommended an independent and transparent audit to investigate Ndola lime company financial records and later a report be submitted by the end of this month. The board has further reviewed the protracted salary increment negotiations and the illegal industrial action taken by unionized workers to withdraw their labour.
The board has since directed that both unions and management representative resolve their outstanding differences. The board has however described the switching off power to the rotary kiln by employees on Friday last week as unacceptable behavior. Meanwhile, National Energy Sector and Allied Workers Union general secretary Yotam Mtayachalo has appealed to employees at Ndola Lime to allow the three managers to resume work until the financial audit is concluded.


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The Great Reluctance
As businesses reopen in the wake of Covid-19, they can adapt their offerings to address consumers' risk aversion using a test-and-learn approach.
By Darci Darnell, François Faelli, Eric Almquist, and Shweta Bhardwaj
After Covid-19, many people will remain deeply cautious about returning to activities that involve human proximity. A period we call "the great reluctance" could endure well after governments lift physical restrictions.
We expect to see a spectrum of behavior, with some people sheltering at home, and even embracing the new ways of life, while others return gradually to wider activities.
Consumer-oriented companies have two options: reduce the risks of human proximity by reconfiguring physical spaces and setting up tailored safety protocols, or bypass the risks of proximity by adapting products or experiences for use in the home.
In each case, companies will need to test-and-learn their way to meeting consumers' evolving needs.
Human behavior has never changed so much, so quickly and across so many locations as it has in the past three months.
Prior cataclysms, ranging from the bubonic plague to world wars, caused more casualties than Covid-19 and no doubt altered behavior in significant ways. In each case, however, the behavioral effects took years to play out. The 1918 influenza pandemic, for instance, killed more people. Yet daily life did not change much as a result, because epidemiology was less developed, information did not spread instantly and constantly, travel was more limited and businesses were not so dependent on global supply chains.
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Consider the scale and scope of behavioral shifts caused by the coronavirus and subsequent closures of physical spaces:
Almost all dining out and cinema-going ceased throughout many countries in Europe and Asia, and in many US states, over a matter of days.
US airline passenger volume dropped 96% in March compared with the previous year, the Transportation Security Administration reported.
Globally, 1.37 billion students, or more than 3 out of 4 youths, were doing schoolwork at home by late March, according to UNESCO.
Within two weeks in March, mobility of people in Delhi dropped roughly 75%–85%, except for trips in their immediate neighborhoods, according to Google's Covid-19 Community Mobility Reports, based on tracking cell phone locations.
About 10 million new buyers, young and old, started shopping online in the US since the start of the pandemic, Nielsen estimated.
This sudden retreat to the home front and resulting limited mobility has led to big changes in how people spend their money and time. Demand collapsed in many sectors and surged in a few (see Figure 1). In recent weeks, as the rate of new Covid-19 cases peaks or tapers off in some regions, many governments have begun to reopen public spaces and businesses, usually in stages. Still uncertain is when and at what rate people will return to the dental clinics, sporting arenas, barbershops, malls and taxis of the world, not to mention the offices, factories and stores that once anchored work.
The fallout from Covid-19 caused demand to plummet in many industries and spike in others
Behind the uncertainty, many people are deeply cautious about returning to activities that involve human proximity. This state of mind will likely last until well after governments lift physical restrictions, especially if new cases flare up again. Moreover, even when the first vaccines and therapeutics become widely available, no one knows how effective they will be. Bain & Company thus calls the period we have entered "the great reluctance."
Reduced consumption, limited mobility
Evidence of the great reluctance appears even in regions where governments did not impose heavy lockdowns, or where they recently loosened restrictions.
In Sweden, where businesses stayed open throughout the pandemic without legal restrictions, household consumption is down about 30% since mid-March, the Wall Street Journal reported. New car registrations dropped by 37% in April. Many Swedes are following social-distancing recommendations or going beyond them.
Travel will likely rebound in fits and starts. In China, for instance, the number of domestic flights started to recover in mid-February but plateaued in early March at just over 40% of levels before the outbreak, according to the International Air Transport Association.
Local mobility patterns reflect a similar desire to stick close to home, as documented by Google data on cell phone locations. In the Capital Region of Denmark, which includes Copenhagen, all trips dropped steeply after the lockdown in mid-March, except for those very close to home. After the government eased restrictions on April 15, the number of trips ticked up but remains well below the norm before the pandemic (see Figure 2). We see similar patterns in other areas we analyzed, including Delhi, the North Rhine–Westphalia state of Germany, Stockholm County in Sweden, the US state of Georgia and South Korea.
Most people have been sticking close to home
Ready—or not—to venture forth
The great reluctance also pervades recent consumer surveys. In a Bain/Dynata survey of US consumers in early May, 26% of respondents said government restrictions remain too loose, while only 14% said they are too tight.
In general, people have become less willing to resume social activity, our weekly tracking shows, with 40% of respondents in early May expressing discomfort with doing so. There is some variation by age: European baby boomers on average said they would be less likely to travel over the next 12 to 18 months than younger respondents did. However, boomers expect to do more socializing with friends and dining out than do Generation X respondents (see Figure 3). Further, in the US, a significant minority—29% of respondents—are not comfortable returning to their traditional workplace.
Consumer behavior over the next year could vary by age
Social media posts confirm this ongoing anxiety. We used a scraping tool by Synthesio to analyze social media posts containing keywords related to personal risk reduction—mask, handwashing, virus test, isolate and so on—in several countries since the first of the year. In China, such posts rose sharply in the week after the first case of Covid-19 outside of Wuhan was publicized on January 19. Although risk-reduction posts subsequently declined in China as the number of active cases dropped, the level of chatter has remained at roughly 10 times the pre-virus baseline.
During this extended period of uncertainty, we expect to see a spectrum of reluctance, based on individuals' tolerance for health risks, on their financial situation and perhaps on how the coronavirus has affected their home region. Highly risk-averse people who have the luxury of sheltering at home will do so. Some might not be risk-averse but will still embrace the new ways of living. Others will want to return gradually to wider activities.
Certain segments of the population are eager to let loose. When Shanghai Disneyland reopened in mid-May, for example, the first week sold out almost immediately. An outbreak of new coronavirus cases in Seoul in early May was linked to reopened nightclubs and bars. Despite well-publicized outbreaks on cruise ships, during March and April CruiseCompete.com has reported a 40% increase in bookings for 2021 compared with 2019.
Indeed, it's possible that at some point we could experience a new incarnation of last century's Roaring Twenties, which followed the carnage of World War I and the devastation of the 1918 flu. Innovations in manufacturing and communication put products such as the automobile, telephones and electrical appliances within reach of millions of households, and there was an explosion of creativity in many art forms. Prohibition did not end alcohol consumption in the US but rather sent it underground. Much behavior, in short, broke with tradition.
Yet even if only 10% of consumers resist returning to pre-Covid patterns, a 10% clip off consumption in many categories would prevent a full recovery. A 10% decline in a company's revenue could trigger activist moves by board members and investors, significant cost-cutting and a review of the long-term strategy.
New laws of gravity in the consumer universe
Clearly, we have entered uncharted territory, and businesses will have to grapple with a high level of uncertainty. The contours of the new normal remain fuzzy, as do the timelines for consumers to shed their anxiety. However, we can discern a few trends that are likely to endure over the medium term. Think of them as new laws of gravity affecting how people spend time and money:
More time at home and less time in separate workplaces, restaurants, cinemas, gyms, cars, hotels, airplanes and public transit of any kind;
More flexibility required for employees, especially parents, caretakers and others whose home life has become more complicated; and
Lower disposable income overall, leading to a sharper focus on essential and more affordable products.
Business leaders now have a short window of time to reset strategy in ways that will address consumers' new priorities. They can start by reexamining what their customers value at this moment. Of the 30 Elements of Value® that consumers look for in the companies serving them, our research finds that the pandemic has raised the importance of three elements: reduces risk, reduces anxiety, and provides a sense of affiliation and belonging.
Of course, other types of value also come into play depending on the product—for example, sensory appeal in food and beverages, or, in consumer banking, heirloom (a good investment for future generations). Nevertheless, the new laws of gravity require greater attention to the three elements noted above.
Based on understanding what their customers value, consumer-oriented companies have two options in the new environment. First, they can reduce the risks of human proximity by reconfiguring physical spaces and setting up tailored safety protocols. Second, they can bypass the risks of proximity by adapting products or experiences for use in the home. In each case, companies will need to adapt and tailor their offerings to a spectrum of consumer needs that will evolve over the next year or two.
Allaying risks outside the home
Reconfiguring existing retail and service spaces involves a blend of new spatial arrangements and new schedules. Plenty of companies that serve customers in person have already begun to modify their spaces.
Some airlines have temporarily abolished the middle seat, now require passengers to wear masks throughout the flight and have intensified cleaning between flights. These measures have worked while passengers are scarce, but they may need revisiting if bookings increase or if airlines consolidate flights along routes.
Restaurants and other food establishments have installed curbside pickup, facilitated by smartphone apps, to promote contact-free transactions. If customers return to eat on the premises, owners may need to widen gaps between tables, stagger seatings, take customers' temperatures before they enter, require staff to wear masks and face shields, outfit bathrooms with new fixtures and make other expensive changes to conform to social-distancing standards. None of this will feel like last year's dining experience.
Brick-and-mortar retailers face similar challenges. Walmart has limited stores to 20% of shopper capacity; dedicated employees to clean high-traffic, high-touch areas; and partnered with local governments to offer drive-by testing. Other retailers have taken similar measures, but it's not clear whether these will be enough to lure back many shoppers.
Bringing experiences into the home
Bypassing the risks of human proximity by adapting a product or experience for the home is a more ambitious strategy. Yet it holds great potential if done right, because it might be sustained for years after the pandemic abates.
A few lucky companies have benefited from the new laws of gravity without having to change their core business model. Netflix saw a surge in new subscribers for its streaming entertainment content. Online furniture retailer Wayfair fielded new demand to furnish home offices and other rooms. Lululemon sold 50% more athleisure clothing in April vs. January.
Other companies will have to innovate so that the adapted product or experience meshes with consumers' new priorities. It needs to fit in the home, accommodate a more fragmented schedule and a smaller wallet, and still deliver the essence of the out-of-home experience.
The good news is that many consumers are open to trying new brands and will quickly adopt new practices that are simple and convenient (see Figure 4). Our recent surveys have shown a rise in first-time online shoppers, many of whom said they will be more likely to shop online in the future (see Figure 5).
Many consumers are open to trying new brands
The pandemic has caused a surge of first-time online buyers
However, not with just any vendor—28% of online shoppers in the UK and 14% in France tried but failed to complete a purchase. Shoppers who successfully purchased groceries online ran into problems such as out-of-stock products and no available delivery slots (see Figure 6). Reliable product fulfillment, delivery and ordering technology have become table stakes to capture the expanding pool of online commerce.
When online grocery shopping falls short, stockouts, missing items or no delivery slots are usually the problem
Chinese cosmetics company Lin Qingxuan fits the bill. When it was forced to close 40% of its stores due to the pandemic, sales plummeted. However, the company redeployed its beauty advisers as online advisers, using platforms such as DingTalk and WeChat to engage customers virtually and drive online sales. A livestream session on Valentine's Day attracted more than 60,000 viewers, and Lin Qingxuan sold more than 400,000 bottles of its camellia oil. The company's February sales rose 120% over the previous year.
With a void in live sports, a few organizations have created compelling online alternatives, at least temporarily. Formula One produced virtual car races featuring its drivers and celebrities, and its inaugural Virtual Grand Prix drew 3.2 million online viewers.
Turning to the complex healthcare sector, telemedicine—bringing medical staff and patients together online—has been discussed for years but adopted in only a handful of countries and regions. Now there is more urgency to lower the regulatory, cultural and insurance barriers, and providers may make faster progress. Amwell, which provides urgent-care web conferencing in the US, among other telehealth services, has seen use of its mobile app rise by more than 150% since January. It recently introduced a digital platform for smaller physician practices, which includes clinical workflows, e-prescribing, online enrollment, staff training and payment collection.
Test and learn, test and test again
Because no one knows how the great reluctance will unfold, companies should be responsive to customers along the way. Whichever strategy they choose, frequent tests of the new offerings and messaging will allow them to optimize product features and marketing in real time. Agile principles enable fast-paced testing in sprints, with a focus on getting to market quickly with minimum complexity.
Multivariate testing, for instance, makes it possible to experiment with different messages, promotions and packaged offers. Quarantined adults age 65 and older who perhaps never would have considered buying groceries online are now trying these services. To better understand the ramifications of that change, a retailer or food company might set up a test to measure which messages are most effective with the new demographic.
Some of these concepts and messages would have been unthinkable three months ago. But trying the previously unthinkable is what it will take to tailor offerings for consumers along the spectrum—those that ache to return to pre-Covid patterns, those that remain in the sanctity of their homes, and those that test and learn new behaviors themselves over time. A clear testing hypothesis, followed by rapid adjustments based on feedback, will be essential to create value for consumers and break through their great reluctance.
The authors are grateful to Christian Short, Ben Hartwell, Nicholas Teo, Aqil Rashid and Sydney Babiak for their support in developing this brief.
Elements of Value® is a registered trademark of Bain & Company, Inc.
The global Covid-19 pandemic has extracted a terrible human toll and spurred sweeping changes in the world economy. Across industries, executives have begun reassessing their strategies and repositioning their companies to thrive now and in the world beyond coronavirus.
About Dynata
Dynata is one of the world's largest first-party data and insights platforms. With a reach that encompasses more than 62 million consumers and business professionals globally, and an extensive library of individual profile attributes collected through surveys, Dynata provides precise, trustworthy, quality data. The company has built innovative services and solutions around its robust first-party data offering to bring the voice of the customer to the entire marketing continuum―from strategy, innovation and branding to advertising, measurement and optimization. Dynata serves nearly 6,000 market research, media and advertising agencies, publishers, consulting and investment firms, and corporate customers in North America, South America, Europe and Asia-Pacific. For more information, go to www.dynata.com.
Darci Darnell
Partner, Chicago
François Faelli
Partner, Brussels
Eric Almquist
Advisory Partner, Boston
Shweta Bhardwaj
Partner, Boston
Consumer Elements of Value®
Covid-19 Catapults White Goods Makers into the Digital Future
As consumers shift to buying appliances online, leaders develop direct-to-consumer channels.
Will Covid-19 Change "Singles Day"?
The year 2020 will be a pivotal one for China's annual shopping festival.
As Costs Rise, Consumers Tighten Their Belts
Our latest survey of US and European consumers finds them trimming discretionary spending to cope with inflation.
Anticipating When Consumer Sentiment on Covid-19 Will Turn
Social media patterns can guide companies' signature actions and messaging.
How Coca-Cola Uses Marketing Experimentation as a Superpower
Kelly Edwards sits down with Coca-Cola's Romain Mallard to discuss how marketing experimentation is transforming the brand.
A major retailer rejuvenates sales by thinking local
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Focus on core delivers growth for retailer
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The US Campaign to End the Israeli Occupation and Jewish Voice for Peace thank Representative Hank Johnson for his participation in the event "Progressive for Palestine: Is the US Ready to Rethink Policy on Israel," which took place yesterday in Philadelphia during the Democratic National Convention.
July 26, 2016–The US Campaign to End the Israeli Occupation and Jewish Voice for Peace thank Representative Hank Johnson for his participation in the event "Progressive for Palestine: Is the US Ready to Rethink Policy on Israel," which took place yesterday in Philadelphia during the Democratic National Convention.
Representative Johnson offered insightful comments on the diminishing prospects for a two-state resolution to the Israeli-Palestinian issue, citing Israel's ongoing settlement activity – which violates international law and official US policy going back decades – on occupied Palestinian land in the West Bank, a point consistently made by both the Obama and Bush administrations.
A video of Representative Johnson's remarks can be found here.
This analogy was taken out of context in an article with a misleading headline written by a journalist with a longstanding record of anti-Palestinian reporting. The effect of this deliberate misreading was to distract from the important observations made by Representative Johnson regarding the expansion of Israel's illegal settlement enterprise and what life is like for millions of Palestinians living under Israel's nearly 50-year-old repressive military occupation regime.
Representative Johnson is among a growing number of Members of Congress who are speaking out in support of Palestinian rights and a just peace between Palestinian and Israelis. We thank Representative Johnson for his continued fight for the human and civil rights of all people, including Palestinians.


text:
The 50th anniversary of Apollo 8: Humanity's first trip to the Moon
On December 21, 1968, Apollo 8 lifted off from Kennedy Space Center atop a Saturn V rocket, beginning one of the most historic trips in human history.
By Ernie Mastroianni | Published: Friday, December 21, 2018
The Apollo 8 mission lifted off from pad 39A at Kennedy Space Center at 7:51 a.m. on December 21, and slid into lunar orbit three days later, astounding the world with a live television broadcast on Christmas Eve.
National Geographic Creative/Bruce Dale
In the summer of 1968, astronaut Frank Borman was deep into training as the mission leader to test the Apollo command and lunar modules in Earth orbit. The flight would be risky. He and crew members Jim Lovell and Bill Anders would be the first humans to ride the Saturn V rocket. The massive vehicle was tested twice on unmanned missions (both ultimately successful) but the second flight had serious glitches, including vertical oscillations (dubbed the pogo effect) and premature engine shutdowns.
By August, delays in the lunar module development meant that the mission would not have the very spacecraft it was intended to test. That's when Apollo program manager George Low proposed a bold mission: orbit the Moon. The Apollo 8 crew would still fly, but their destination would be lunar orbit, but minus the lunar lander. A successful mission would give the United States a decisive lead in the space race against the Soviets.
Low's pitch was accepted, and on August 19, 1968, NASA directors gave the Apollo 8 crew their new mission. They had just four months to learn how to fly to the moon.
Their assignment was contingent on the success of Apollo 7, in which three astronauts took the command module on an 11-day, Earth-orbit shakedown cruise in October 1968. The green light for the lunar mission came on November 12, just five weeks before its scheduled launch.
Borman, Lovell and Anders were quick studies. They blasted off on December 21 and slid into lunar orbit three days later, astounding the world with a live television broadcast on Christmas Eve.
As they pointed the camera to the lunar surface and panned to the distant Earth, they read from the Book of Genesis. To those watching the grainy video feed, it marked an astonishing end to a year filled with war, civil unrest and assassinations. Their safe return cemented the US lead in the space race and led to six successful landings on the Moon.
As Apollo 8 emerged from the Moon's far side on December 24 , astronaut Bill Anders took this photo with a Hasselblad camera, a telephoto lens, and Kodak slide film. It became an iconic image of the space age.
Bill Anders, Frank Borman and Jim Lovell discuss the mission near a lunar module trainer in 1968. Their mission was changed from Earth orbit to lunar orbit just four months before launch.
The first stage of the Saturn V rocket slated for the Apollo 8 mission had five F-1 engines that produced 7.5 million pounds of thrust. That the rocket was ready for a Moon flight was a crucial factor in deciding to go for the Moon.
Launch of Apollo 8
The Apollo 8 mission lifted off from pad 39A at Kennedy Space Center at 7:51 a.m. on December 21. It was the first time that a crew was on board a Saturn V launch.
Bilious Borman
Borman floats in the cabin on the Apollo 8 lunar orbit mission. He was affected early in the mission by motion sickness, but recovered.
Lovell at work
Lovell works at the command module's guidance and navigation station.
Anders the photographer
Anders was originally trained as the lunar module pilot, but when the mission changed, he took on new tasks for the mission, including photography.
Lunar craters up close
From lunar orbit, the surface of the Moon was covered in craters. This photo, taken from on board Apollo 8, shows the 40-mile-wide Goclenius, which is crisscrossed with rilles (grooves in the lunar surface).
Far side of the Moon
The astronauts were also the first humans to directly view the unusual crater named Tsiolkovsky. On the far side of the Moon, it is never visible from Earth. It was first spotted by the Soviet spacecraft Luna 3 in 1959.
A show unlike any other
The Moon mission was a must-watch show for millions who were home for Christmas Eve.
A speedy splashdown
The Apollo 8 capsule and crew survived the 25,000 mph (40,000 kph) re-entry and the capsule is recovered in the Pacific by the crew of the USS Yorktown.
A welcome return
Borman, Lovell and Anders greet the USS Yorktown crew from the recovery helicopter after the splashdown about 1,000 miles (1,600 km) southwest of Hawaii.


text:
Advisory Group to the Board
UK Strategy for Financial Wellbeing
Talk Money Week
Debt advice funding
Pensions dashboards
Money Guiders
Housing sector
Press releases Uncategorised
Money and Pensions Service calls for retail banking sector to promote customer financial wellbeing in products and services
In a report released yesterday, 26 June 2019, the Money and Pensions Service (MaPS) is calling on the retail banking sector to consider that:
improving customers' financial capability should be a strategic goal; providers should consider this as part of building the business case for new products, services and features
financial capability should be integral to the design of products and services, as well as evaluation, and
the sector should work together to drive a cultural shift around money in society.
From savings goal-setting pots to spending analysis tools and features to find better energy deals, the retail banking sector has made significant inroads to help customers improve their financial wellbeing, but more must be done to achieve significant change in the nation's ability to manage their money, says the Money and Pensions Service.
Currently, 9 million people in the UK are struggling with problem debt, 11.5 million do not even have £100 in savings, and a further 24 million people do not feel confident making decisions about financial products and services.
Low financial capability is contributing to tens of millions of people in the UK lacking the resilience needed to deal with unexpected events such as job loss or the death of a family member. Problem debt can have a profound effect on a person's mental health and wellbeing. The Money and Pensions Service (MaPS) is trying to address these challenges through working in partnership with the retail banking sector.
At an event yesterday (26 June 2019) to discuss their new report for the retail banking sector, Transforming customer wellbeing – What can retail banking do to build financial capability?, MaPS called on banks to put customers' financial wellbeing at the centre of their corporate purpose and to ensure their products and services include features to help people improve their ability to manage their money well.
Based on interviews with employees across 19 banks, building societies, fintechs and one credit union, the report demonstrates that while the sector has made progress with good-practice features built into current and savings accounts, there is room for improvement and greater take-up across the sector.
Case study examples within the report include:
The 'pots' saving feature in the Monzo banking app, where customers can set money aside for bills or a particular savings goal, where pots can be named with each goal and target amount. Customers can also set rules to automatically move money in and out of the pots.
Metro's Insights app is an AI-powered money management tool enabling customers to keep track of the amount they spend by category, such as 'transport', 'shopping', 'eating out'. This analysis may prompt customers to think if these habits are best use of their money and to consider adjusting spending.
The Plum mobile app includes a feature that lets customers know when they could save money on their energy bill, amongst other expenses, by monitoring what customers pay each month and cross-checking this with tariffs for UK suppliers.
Sir Hector Sants, Chair of the Money and Pensions Service said: "Money is a fundamental part of life and is central to people's health and wellbeing. A population that can manage their money and pensions well is essential, and the retail banking sector has a critical and central role to play in moving the dials for the UK population. It is time for the sector to take a much more proactive, holistic approach to financial wellbeing, shifting the balance from the cost of remediation to investment in prevention.
"We encourage the sector to work with us to develop and implement the changes needed to improve people's financial capability, as well as rebuilt trust and confidence in financial services."
MaPS has recently held a UK-wide programme of listening events, calling on organisations to discuss views on everything from pocket money to pensions, and help create a new National Strategy for money and pensions, as well as the organisation's three-year corporate plan. The new report offers another touchpoint for the retail banking sector to engage with the MaPS and feed into the organisation's development of the National Strategy, to be released later this year.
The full report can be viewed here: https://moneyandpensionsservice.org.uk/2019/06/05/transforming-customer-wellbeing-what-can-retail-banking-do-to-build-financial-capability/
For media enquiries contact:
Press Office 020 8045 4201
Mia Cochrane, senior press officer media@singlefinancialguidancebody.org.uk
IFF Research (www.iffresearch.com) conducted interviews with 42 employees across the 19 firms between October 2018 and January 2019. Participants were from major banks and building societies, mid-tier banks and building societies, and challenger banks/fintechs and one credit union. Participants were typically current accounts/ savings accounts product managers at middle to senior management levels.
About the Money and Pensions Service
The Money and Pensions Service vision is people making the most of their money and pensions.
The new organisation brings together the free services delivered by the Money Advice Service, The Pensions Advisory Service and Pension Wise.
The Arms-Length organisation is sponsored by the Department for Work and Pensions, with a joint commitment to ensuring that people have access and guidance to the information they need to make effective financial decisions over their lifetime. The organisation also engages with HM Treasury, which is responsible for policy on financial capability and debt advice.
Working hand-in-hand with stakeholders throughout the UK, the Money and Pensions Service ensures that money and pensions guidance is available to those that need it, adapting to people's changing needs throughout their lives, offering services and appointments over the telephone, online and in person where appropriate.
The Money and Pensions Service is also responsible for delivering and overseeing pensions dashboards, to help people access their pensions information online, in partnership with the DWP. An industry delivery group will be brought together by the Money and Pensions Service, and during 2019 will set out a clear timetable and roadmap to drive progress towards fully operational dashboards.
For further information for stakeholders, they should visit the Money and Pensions Service website www.moneyandpensionsservice.org.uk Consumers can continue to access free guidance about their money and pensions via the following websites and help lines:
www.moneyadviceservice.org.uk / 0800 138 7777
www.thepensionsadvisoryservice.org.uk / 0800 011 3797
www.pensionwise.gov.uk / 0800 138 3944
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Q: You say kids should be in an online charter school. Do they work on all of it there with you? Do the mentors help the kids so parents that enroll a child full time don't have to?
A: The parents can choose to have the child do all or part of their work at the school or they can complete it part or all at home. See our partial enrollment section.
Q: What are your student policies?
A: Our student policies are listed here.
Q: If the parents choose some of the curriculum, how is it paid for?
A: The online charter school will provide the individualized curriculum financing.
Q: Are the kids going to be stuck in front of a computer all day long? How will curriculum be presented?
A: We have chosen to work with businesses that work with online charter schools because many of the curriculum choices they offer do not need to be on the computer. Very few of the online classes require the child to be in front of a computer for the class. Many of the classes include a building kit, manipulatives, workbooks, text books and so on. We provide many classes in addition to the online charter school including, outdoor projects, reading discussions, service projects, and fitness programs.
Q: I work full time, what volunteer options are there for me to fulfill the minimum 30 volunteer hours per year?
A: See this page listing the Volunteer Opportunities.
Q: What grades or ages of students are you serving?
A: We offer a preschool and we teach grades K-12.
Q: My child has some learning disabilities, does your school have any programs to address special needs (like dyslexia, adhd)?
A: Our teachers have worked with these specific issues and have had great success in doing this. They have also learned that there are many different degrees of disabilities. A teacher will evaluate each case and communicate with the parents and child. The doctor's evaluation will also be considered, to determine the best personalized learning program for your child.
Q: My child has been bullied in the past. What does your school do to protect children from bullies or from becoming bullies?
A: We have a zero tolerance bullying policy. The very nature of our classroom prevents bullying from starting because the multiple ages in the one room school house promotes mutual respect, tolerance, and acceptance. Our school will not tolerate behavior that infringes on the safety or emotional stability of any student. Because our school is a private school students can be easily expelled from the school if they break the behavior contract each student is required to sign. See our Student Policies. Students accused of bullying will be given a chance to to prove they are not.
A: Students enrolled in businesses that work with online charter schools are required to participate in all mandatory state tests. The required tests are completed at the school once a year.
Q: Will there be "report cards"?
A: Yes, every quarter each student will be evaluated in their personalized learning program and a report will be available to parents and students. The report will include attendance, behavior, participation, and academic progress.
A: The costs are listed on this page.
Q: Are the children allowed to advance as quickly as their intelligence will let them?
A: Definitely. Each child will be on their own individual program and student's time will not be wasted.
Q: What makes this school GREAT?
A: More hands on time less busy work "seat work"
Q: I live out of state--How does it work to enroll my child? Does my child need to attend the campus to be enrolled? Is tuition the same for an out of state student, seeing as there are many of your programs we would be unable to participate in?
Q: What do you offer for children with special needs?
A: Our school is structured to offer many individual needs to be met including special needs. Some special needs will be beyond what we can offer. In that case we will hire a facilitator and the cost will be added to the tuition. We will meet with you and your child to determine what options we can provide for your child.
Q: How will curriculum be presented?
A: We have chosen to work with businesses that work with online charter schools because many of the curriculum choices they offer do not need to be on the computer. Students will use workbooks, learning kits, textbooks, and group classes.
Q: What happens first, my enrollment in your school or my enrollment in an online charter school?
A: Enrollment in our school. After that we will take care of the enrollment in the online school.
Q: Are there additional fees for enrollment in the online charter school?
A: There are no additional fees for enrollment in businesses that work with online charter schools.
Q: Are there any reasons tuition would be refunded?
A: Tuition refunds will be given for withdrawal but not for illness, vacations, school days canceled because of weather or other planned absences.
Q: How long is my commitment for enrollment?
A: Enrollment is for one school year.
Q: Does businesses that work with online charter schools offer AP classes?
A: Yes, e2020 and APEX offer AP classes that we can provide. Additionally, there are many 3rd Party Providers of AP courses.


When I woke up on Tuesday morning, my first thought was "I dreamed a friend and I went to Iceland for 5 days." Then I remembered that we had actually done the trip; it was not a dream, but a dream come true.
The dream actually started more than a year ago when we had seen an Icelandair ad for some low-cost package tours to Iceland to see the northern lights. We weren't able to get in on the action last year, but when the deal popped up again this year, we decided to go for it!
1. I will (hopefully) no longer fuss about the short days in Minnesota during the winter. In Reykjavik in December, the sun rises around 11:15 and sets around 3:15. The twilights preceding those two events, however, are long (and gorgeous), which meant we had a little more than 6 hours of daylight in which to do our sightseeing. It did make for some great lighting, however.
2. There are no words to describe the beauty of the northern lights, and photographing them is extremely difficult. This is especially true if you are on the deck of a moving boat. It's blurry, I know, but here's proof that we saw them.
3. Our trip to the Blue Lagoon Geothermal Spa was on a cold evening, so we floated and bobbed around in a thick cloud of steam. I'm sure the water was blue, but we had no way of seeing that. Watching heads emerging and disappearing in the steam made me think we were on the set of Gorillas in the Mist.
4. If you love trees, you might find Iceland hard to appreciate. My mom is a tree-lover, and all she could say when I was telling her about the trip was "No trees? How can a place with no trees be beautiful?" Trust me; it is!
6. How's this for the perfect rental car?
7. There is something mildly appealing about a country that doesn't have Starbucks and MacDonald's.
8. In 2008, the economy of Iceland, which was based on financial services, collapsed. They are rebuilding it on tourism. I say "hat's off" to the Iceland Tourism Bureau, because in the middle of December there were tourists everywhere. And from everywhere. In fact, at each place we visited, we stumbled across a bus load of tourists from China!
Go here to see more photos on my Flickr page.
And I was right about one thing this might do — whet my appetite for a longer visit. In the summer.


Flexibility means more than just optimal adaptation to the requirements of freight transport. In this age of deregulation, passenger transport also holds opportunities. Putting your locomotives into service for passenger traffic can increase their utilization capacity and thus contribute to a better use of your assets. But only a product that remains adaptable throughout its entire life cycle can cover both areas and retain the value of your investment. With Vectron, you have the perfect locomotive.
Passenger trains pulled by locomotives allow you to distribute your investment volume by procuring locomotives and coaches separately. This gives you considerable flexibility in planning, purchasing, and adapting to passenger traffic. Vectron can be deployed universally, meaning it can haul both regional and long-distance trains. Even a reconfiguration from freight to passenger locomotive – for example during the second half of its life cycle – is easily accomplished.
From 1879 to the present day, transporting passengers by rail would be unimaginable without Siemens. The world's first electric locomotive was manufactured by Siemens and transported passengers.


You found your calling, but have you found your place? In our last blog post, Want to Grow Your Home Business? Rescue a Pet! we explored how our furry companions spark creativity, increase productivity, and make us healthier overall.
So what do we mean by find your place? In 2016, we almost put off a long-awaited trip to Scotland. A trip wouldn't have been prudent after a tough year financially. But one of us couldn't stop looking at Pinterest and pondering our dream vacation.
When the airfare dropped one morning, we took the plunge and have never looked back.
Despite the harrowing driving experience, this turned out to be the best money we ever invested our business. Yes, that's right. The trip seemed to unlock some hidden potential. Business soared.
You're probably wondering how spending a few thousand on a trip could lead to business prosperity. Sure we could have used that money to buy more Google ads, hire a social media guru, or have our website redesigned (all worthy ventures), but none of those things would help define us.
We decided to read a wee bit about Scottish history in advance so we didn't act like typical tourists decked in our finest non-clannish plaids. Most important, we rented a car so we could take in the countryside at our own pace. We hiked, wide-eyed, in majestic forests, among towering Douglas firs with boundless carpets of moss underfoot.
Clearly we enjoyed ourselves, but inevitably our trip came to an end!
One might argue that we acquired some great memories, used up a portion of our savings, and now it was over, right?
We took a piece of Scotland home with us (in addition to a few luxurious cashmere scarves). We developed a feeling of contentedness. The locals' down-to-earth perseverance infected our psyches.
For a few days back at home, we talked of nothing else. We wandered around in a depressed daze as we returned to familiar, grayed-out American shopping centers.
We had to survive in our new reality, and run our small business. How were we ever going to manage that? We had already investigated moving to Scotland, but our business was in the States.
In order to persist, we opened our eyes to our own backyard, so to speak.
As it turns out, we live within a mile of a nature center, two reservoirs, and a mountain—all of which have extensive trail systems.
How could we have lived here for ten years, and not taken advantage of these natural wonders? Because we hadn't been awakened to them. Scotland did that for us.
It became our proverbial place.
Being outdoors does so much for our bodies, and minds. A 20-minute dose of nature improves short-term memory, sharpens focus, and sparks creativity. It also boosts your immune system, which means we spent less time sniffling and more time networking.
Nature even combats fatigue. Normally most of us guzzle coffee and gulp sugary snacks to slog through the drudgery. Maybe all we need is to surround ourselves with nature and inhale the fresh air.
Not only did the trip re-order the mitochondria in our brains, but it also provided us with an array of stories. Tales about Scottish locals bumping into Prince Charles in the Highlands near Balmoral Castle and our own near-death driving experiences captivate an audience at dinner parties.
While many of us realize that successful businesses are built on the ability to tell stories, we may borrow them from others.
But they are much more powerful when they are our stories.
At Barnett Writer, we encourage you to go find your place, and live to tell your own tales. It'll help define you as a person, and that will define your business.


A booth was SOLD OUT last year! Please apply ASAP.
Exhibits: Food/Beverage (Ingredients, Fresh products, Processed Food), Non-Food (Miscellaneous goods, Cosmetics, home electrical appliance), Products that supports development like package.
Visitors: Person in charge of product development come to find the partners for developing their products.
More than 80% of the visitors have some influence on the decision-making process for purchasing.
Nearly 50% of the businessmeetings led to concluding business deals.
Local Product Show, Package/Design Show.
It is held in Tokyo Big Sight East hall 8 on a 160 booths scale.
Are you interested in strengthening OEM/PB in order to expand and stabilize your business scale?
Private Label & OEM Trade Show 2019 is the 11th exhibition that is held for the purpose of providing a place for buyers who are in charge of development and procurement of Private Label/OEM business materials to find potential business and development partners. Any exhibitors from food to non-food can exhibit.
We are looking for producers who offer "products that sell well" at the store front.
Not only packages that maintain the quality of the contents, but also packages with stylish designs that draw people's attention at stores and packages for branding have come to prominence.
Japanese retailers are seeking for overseas manufacturers who can supply with high quality and unique food & non-food products for consumers. A statistics below shows that Engels Coefficient ‒the proportion of money spent on food in household expenses- reached a record high in 29 years (25.8% See statistics ) ,which means Japanese consumers buy high quality products and home-meal replacement. Retailers have made an tremendous effort to deliver high quality products to fulfill their consumers'demand.
Japan has been facing the shortage of labor force as about 10 million labor force has decreased for 20 years due to the aging population. Simultaneously, unemployment rate has reached a record high and Japanese companies feel the need to outsource their easy tasks and manufacturing to other companies. Private Label and OEM manufacturing will become one of the solutions.
"High density Exhibition" where there are many visitors with strong purpose.
We could have many business deals with customers we could hardly reach to.
New hotels and restaurants that are different from our customers are interested in our products.
The show was fruitful since we had more business deals and business cards than expected.
Original Products Development Week like from ingredients to products, package, local products can exhibit. Also, we will have many seminars related to original development.
During the show period, It is held networking party that meet an exhibitor and a visitor.
Original Product Development WEEK's web site is updated.
An application of Original Product Development WEEK exhibition has started. Early-bird discount deadline is July 31. Please ask up as soon as possible.


Maxim D., born in 2007, in November of 2015, as a result of an accident, suffered serious injuries while passing the pedestrian crossing. An ambulance delivered the boy without consciousness to a hospital. He was treated in the childrens' hospitals No. 2 and No 7 in Kyiv.
In February 2016 Maxim was admitted to NODUS for additional examination and creation of an individual rehabilitation program (IRP).
During the hospitalization, the patient with impaired consciousness. He could not speak, walk or react even to parents, besides, the situation was complicated by epileptic attacks.
The patient had the inpatient rehabilitation treatment.
The rehabilitation treatment was offered in accordance with the individual rehab program (IRP), including the following: СPM therapy Kinetek Breva; neurolectomiostimulation, hardware verticalization on the verticalization platform with evaluation of parameters of main systems; therapeutic rhythmic transcranial and transvertible magnetic stimulation; kinesiotherapy on the S-E-T system; manual therapy session; Exercise therapy; electrical stimulation of the middle nerves ("Neurosoft") (brain stem, cortex).
At NODUS Maxim received TEN rehabilitation courses, three of them FOR FREE.
the volume of passive and active movements in the limbs has increased.
However, the mother and relatives of the patient, refused to continue the inpatient rehabilitation treatment at NODUS, due to the financial problems and insisted on the patients' discharge from the centre.


Mackay doesn't observe daylight saving time but Oslo does. DST in Oslo started on 31 March 2019 and will end on 27 October 2019. Once DST ends in Oslo the time difference between Mackay and Oslo will be -9:0 hours.


There will be a late-night signing event in Burnley FC's Turf Moor shop on Thursday, 30 November. You're invited to call in for a glass of wine and a mince pie and the opportunity to meet four stars of the 70s and Jimmy Adamson's great side - Frank Casper, Colin Waldron, Jim Thomson and Paul Fletcher.
They will be on hand between 6-8pm to sign books and other items, in particular the two newest books in the club shop.
Mud, Sweat and Shears is a behind-the-scenes story of the club filled with football stories and anecdotes from the 70s and 80s when Roy Oldfield was the groundsman and met a host of players and managers, all with a tale to tell. Written with Dave Thomas.
From Orient to Emirates is Tim Quelch's detailed story of the club from the iconic Orient game to the present day in the Premier League, in the words of the people who took part in this amazing re-birth of the club.
The club are happy for you to bring other items to be signed along with purchases from the shop. And with Christmas approaching this is a good chance to buy that perfect claret gift for family and friends.


I teach a number of American Institute for Avalanche Research and Education (AIARE) Courses. AIARE is a national organization that has created a standardized curriculum and training for courses and instructors. It is by far the most common curriculum and there are a number of providers both in the Mount Washington Valley and nationally.
Why take an Avalanche Course with Chauvin Guides? With so many courses using the same curriculum why should you choose a Chauvin Guides Course? The greatest variable in the AIARE courses is the instructor's experience, enthusiasm, and training, check out my credentials here. Next is the group size, all my courses are capped at 6 people with one instructor. Many other providers go as large as 12 students and two instructors. Although the ratio is the same the logistics of a large group makes the field days more cumbersome and less able to adapt to conditions.
This course along with the AIARE one day Rescue Course fulfills the American Mountain Guides Association's prerequisites for the; Ice Instructor Course, Ice Instructor Exam, and Alpine Guide Course.
Prerequisites: You must be able to travel in avalanche terrain, either on foot, snowshoes or skis, there are no requirements for previous training.
This course is not required for any AMGA courses. The AMGA Ski Guide Course and Advanced Alpine Guide Course require the Pro 1 Course and the Alpine Guide Exam and Ski Guide Exam requires the Pro 2 Course. Any other profession that deal with avalanche risk should look to their association to see what is required. Neither the Pro 1 or the Pro 2 are scheduled to be run in the Northeast in the 2018-2019 season.
Well if you got this far down the page you should be rewarded, enjoy the video.


HUB has been in existence for 60 years and throughout its existence has responded to the changing landscape of the high-tech machining industry with state-of-the-art equipment and expanded operating facilities. HUB's continued growth and operational advancements have enabled the Company to provide precision machined parts to a variety of industries, including aerospace, automotive, infrastructure and military industries.
We can deliver prototype builds and volume production runs. With over 20 CNC machines and veteran staff of skilled machinists,we are able to respond quickly and accurately to your needs.
HUB Corporation is a custom manufacturing CNC Shop specializing in true 5-Axis contour programming and machining with the ability to make incredibly complex shapes.


Study Medieval and Early Modern Studies at Canterbury Christ Church University - Which?
Medieval and Early Modern Studies offers you the opportunity to study world history and culture from the end of the Roman Empire (c.300) to the French Revolution (c.1790).
The course draws upon methodologies from history, English literature, archaeology and theology. You can choose from a wide range of optional modules across these disciplines, anchored by core modules that consider the medieval and early modern world in all its complexity and richness. While our approach is global and comparative, the course is rooted firmly in Canterbury and the local area, drawing inspiration and case studies from the Cathedral, Dover Castle and other local sites of interest.


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Nice blog people , and this post about the frogs really make me think so . Actually once my father had said that natural calamities are known first to animals . Pigeons are the first to know abt earthquakes .


Whether helping first-generation college students or children with autism, Oliver Perez is dedicated to serving others.
2017 graduate Adam Johnson never gave up on his dream of obtaining a college degree.
New strategic initiatives will help enhance the student experience.
A commitment to inclusive excellence will help foster the new era of higher education.


Świetna lokalizacja, ale pozostał w lepszej!
How far is Dublin bay from the hotel?
Hello! I'll be staying at your hotel in September as I'm only in town one day/night due to layover. What is the best way to get to/from the hotel from the airport?
A special line 747 takes you directly to the area of Temple Bar, about 35min !