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SEC Commissioner Michael Piwowar Warns Crowdfunding Platforms on use of SAFEs
May 9, 2017 @ 12:34 pm By JD Alois
SAFEs or "Simple Agreement for Future Equity" is a widely utilized security in the investment crowdfunding space. A SAFE is more of an option to invest in a company than anything else. It was created by Y Combinator in 2013 as a founder friendly method to raise growth capital for early stage companies. SAFEs have become a popular vehicle for issuers, specifically using the Reg CF exemption. Commissioner Piwowar, in a speech delivered at the SEC/NASAA Annual Section 19(d) Conference, commented on the usage of SAFEs;
"Although these securities have been used in some Regulation Crowdfunding offerings, they are not securities with which many retail investors are well acquainted. An investor only receives an equity stake in a SAFE company if the specific terms of the security are met. If the terms are not met, the investor is left with nothing. As an additional element of risk, the terms governing whether and when an investor may receive the future equity vary from offering to offering. In short, despite its name, a so-called SAFE is neither "simple" nor "safe.""
Piwowar said that, as regulators, they have a responsibility to ensure rules are operating as intended.
"In contrast to the sophisticated venture capital investors for whom SAFEs were originally intended, Regulation Crowdfunding is designed to serve as a new method of raising capital from a broad, mostly retail base of investors … Intermediaries face a real challenge in educating potential investors about this high-risk, complex, and non-standard security when the security itself is entitled "SAFE." Companies and their intermediaries should think carefully about how they name or describe their securities. Securities marketed as "safe" or "simple" ought to be just that."
The comments by Piwowar may be taken as a warning to platforms that are currently utilizing SAFEs. Piwowar said the Commission continues to monitor the use of these exemptions and must assess whether investor protection provisions are working correctly.
The Reg CF sector of crowdfunding has successfully raised over $34 million to date. The mix of securities includes both debt, equity and, of course, SAFEs. While the nascent sector is growing there is concern that sector growth is being hobbled by expensive and highly prescriptive mandates under the exemption. While the rules were ostensibly designed to boost investor protection there is always the possibility of negative selection where low quality issuers are compelled to use the exemption as opposed to Regulation D – the most popular method of raising private capital.
Commissioner Piwowar's Speech is republished below.
Opening Remarks at 2017 SEC/NASAA Annual Section 19(d) Conference
Commissioner Michael S. Piwowar
Good morning. Thank you, Joe [Borg], for that kind introduction.
It is a pleasure to welcome you to the annual Section 19(d) Conference. Although representatives of the SEC and state securities regulators frequently meet throughout the year, this annual conference provides us with a more formal opportunity to share our experiences and views. We are also fortunate to have representatives of FINRA and the Justice Department with us today. It is important for us to come together and share insights as we help companies grow by facilitating capital formation while providing appropriate safeguards for investors.
On a separate note, I would like to take this opportunity to welcome our new Chairman, Jay Clayton, to the Commission. Chairman Clayton has expressed his strong support for pursuing a capital formation agenda, and I look forward to working with him closely.
As companies seek to expand their businesses, they—and we—must consider new avenues for raising capital. In recent years, the Commission has amended Regulation A, established new Regulation Crowdfunding to implement provisions of the JOBS Act, and modernized the intrastate and small offerings exemptions to accommodate modern business practices and communications technology. For a capital formation agenda to succeed, it is essential that state and federal regulators work together to support the businesses that seek to engage in these offerings while also protecting investors.
This February, the Commission and NASAA took steps to strengthen our relationship by entering into an information sharing agreement, improving our ability to assess whether these new capital formation options are serving their intended purpose. With this agreement in place, SEC staff and NASAA will be better able to monitor the effects of these changes to the securities laws and to guard against fraud.
As we continue to monitor the use of these exemptions, we must assess any concerns that may arise with these transactions or the types of companies involved and whether the investor protection provisions are working to address those concerns. In Regulation Crowdfunding, one concerning development that we are monitoring is the use of a new startup-financing instrument—the so-called "SAFE" —in offerings that are intended for a broad, mostly retail base of investors. A SAFE, which stands for a "simple agreement for future equity," is an agreement between an investor and a company in which the company generally promises to give the investor a future equity stake in the company if certain triggering events occur.
Although these securities have been used in some Regulation Crowdfunding offerings, they are not securities with which many retail investors are well acquainted. An investor only receives an equity stake in a SAFE company if the specific terms of the security are met. If the terms are not met, the investor is left with nothing. As an additional element of risk, the terms governing whether and when an investor may receive the future equity vary from offering to offering. In short, despite its name, a so-called SAFE is neither "simple" nor "safe." In the interests of educating investors about the potential risks associated with SAFE offerings, this week, our Office of Investor Education and Advocacy is releasing an investor bulletin on these particular types of instruments.
SAFEs were first developed in Silicon Valley as a way for venture capital investors to invest quickly in a hot startup without burdening the startup with the more intense negotiations that an equity offering usually entails. For some venture capital investors, the value of obtaining an opportunity for a potential future equity stake exceeds that of protecting a relatively small investment in a SAFE. The terms of the SAFE, from the triggering events to the conversion terms, are typically designed to operate in the context of a fast-growing startup likely to need and attract future capital from sophisticated venture capital investors.
In contrast to the sophisticated venture capital investors for whom SAFEs were originally intended, Regulation Crowdfunding is designed to serve as a new method of raising capital from a broad, mostly retail base of investors. Regulation Crowdfunding thus requires the intermediary facilitating the offering to provide investors with educational materials, including information about the types of securities offered and sold on the intermediary's platform and the risks associated with each type of security. Intermediaries face a real challenge in educating potential investors about this high-risk, complex, and non-standard security when the security itself is entitled "SAFE." Companies and their intermediaries should think carefully about how they name or describe their securities. Securities marketed as "safe" or "simple" ought to be just that.
As regulators, we also have a responsibility to ensure that our rules are functioning as intended and in an effective and efficient manner. We must engage in a constant process to obtain feedback as to how our rules are operating in practice. When we learn that there are widespread compliance challenges with a rule, we have a duty to fix the situation, particularly where investors may be adversely affected.
One such example relates to our auditor independence rules. These rules reinforce the concept that independent auditors are key gatekeepers for high quality financial reporting. But some entities, especially mutual funds, face substantial practical challenges related to one part of these rules, known as the "Loan Provision." The Loan Provision deems an auditor not to be independent if that auditor has received a loan from its audit client. The Loan Provision includes lending relationships between auditors and entities holding more than 10% of the audit client's equity securities. Thus, it is triggered even in situations where a lender may not be able to assert any influence over the entity whose shares it owns, including certain instances in which the lender holds the securities as a custodian or an omnibus account holder for its customers without beneficial ownership.
More critically, these situations may not have any effect on an auditor's objectivity and impartiality, because the lender does not have significant influence over the audit client. Yet these compliance challenges threaten to disrupt the operation of the asset management industry, which is relied upon to manage and invest trillions of dollars of investors' retirement savings.
As a result, during my time as Acting Chairman, I directed the staff to commence work on amendments to the Loan Provision designed to address unnecessary compliance issues and instead focus attention on lending relationships that actually threaten auditor independence. Moreover, this rulemaking is consistent with my view that the Commission evaluate whether the rules and policies the agency implements are indeed achieving their intended objectives.
Before I turn things back to Joe Borg, I am delighted to share that this year brings what I hope will be a productive and refreshing change for this conference. Rather than dividing the breakout session groups according to the internal organizational structures of the SEC and NASAA, we are instead centering discussion around current topics of interest. Whether you choose to join the discussion about JOBS Act implementation, robo-advisers, or one of the other four breakout sessions, I hope these discussions will prove to be collaborative and productive. Please let us know your thoughts on this change as well as any other improvement you would like to see in future years. The Section 19(d) Conference is an opportunity for fellow regulators to speak candidly, share insights, and continue to work together to develop a safe and thriving market for our small businesses to raise capital. I hope the new structure this year will facilitate those conversations.
Thank you for your attention, and I look forward to our continued collaboration to improve our markets for the benefit of both companies and investors.
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About 315 people from Aguleri in Anambra East Local Government Area of Anambra State benefited from the free medical service rendered by the Onitsha Military Cantonment of the Nigerian Army, as part of activities lined up for Nigeria's 55th Independence anniversary.
Aguleri is the hometown of the governor of Anambra State, Chief Willie Obiano, and incidentally they happened to be the first people to benefit from the programme.
Addressing the recipients from Aguleri community at Amaeze Aguleri Square, opposite the palace of the traditional ruler of the community, Eze Christopher Idigo, the Officer in Charge of the Military Cantonment Medical Reception Station, MRS, Captain Saheed Shittu, said the medical service will be extended to other communities in the state.
"In line with the 55th Independence anniversary of Nigeria, the Military Cantonment Onitsha led by Col. Abdullahi Isah, organized this medical outreach on behalf of the Nigerian Army. The medical outreach is free for all patients.
"The military is using this medical service to foster civil- military relationship, and to also make our civilian brothers and sisters know that we also care for them.
Despite that we play our primary and statutory function of protectiing the territorial integrity of Nigeria, we also care for their health. That is why we came to Aguleri to offer this free medical service," he said.
According to him: "We are offering services for many health challenges. We attend to you on outpatient basis, we have just done health talk on diseases that are preventable and consultation is being provided, whereby after being checked from the records section, the nurses check your vital signs and from there, you will come to see the doctors and then to the pharmacy where the drugs are being dispensed," he said.
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Shonda Rhimes, the writer and producer of shows such as "Grey's Anatomy" and "How to Get Away with Murder" has moved her production company, Shondaland, to Netflix in a multi-year deal. "Grey's Anatomy", "Scandal" and "How to Get Away with Murder" will still air on ABC in America. Outside of America her show "How to Get Away with Murder" is only available on Netflix.
Shondaland's move to Netflix is the result of a shared plan Ted Sarandos and I built based on my vision for myself as a storyteller and for the evolution of my company," said Rhimes. "Ted provides a clear, fearless space for creators at Netflix. He understood what I was looking for — the opportunity to build a vibrant new storytelling home for writers with the unique creative freedom and instantaneous global reach provided by Netflix's singular sense of innovation. The future of Shondaland at Netflix has limitless possibilities.
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Justify won the Triple Crown this past weekend. One of only thirteen horses to ever accomplish this. Eyebrows are raising at Justify's Triple Crown win. Did he get help? After the race, people speculated that another horse helped Justify win by blocking other horses. The term "reckless riding" has been flying around. Scott looked it up and turns out you can be suspended or have your career ended due to reckless riding. It is kind of like reckless driving, veering into another horse or being erratic both qualify as reckless riding. Is horse racing a sport? The question comes up as sports betting becomes legal almost everywhere. How can they prove reckless riding? Scott asks these questions because when money is on the line races are more likely to be fixed. Next, Scott has a story about meeting Justify's trainer. And it isn't a very pleasant story. Scott Mitchell was a record setting quarterback at the University of Utah. After being drafted into the NFL he played for the Miami Dolphins, Detroit Lions, Cincinnati Bengals and Baltimore Ravens. Find Helmets Off on Facebook at facebook.com/helmetsoffpodcast and on Twitter @helmetsoffshow.


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Adelphi Freshmen Dive Into High-Impact Learning
Ian Hnizdo and Pooja Kar, now juniors, met their first semester as freshmen. Hnizdo lived on Long Island his entire life; Kar had recently arrived from Bangladesh. Both joined the Levermore Global Scholars program and enrolled in one of the LGS freshman seminars: Our Children, Peace and Violence. They found common ground in their desire to tackle pressing issues and make a difference. Under the tutelage of their professor, Devin Thornburg, Ph.D., professor and department chair of the Ruth S. Ammon School of Education, Hnizdo was soon chauffeuring them to the Hempstead to tutor kids in the P.E.A.C.E. (Partnerships in Education to Avoid Criminal justice system Entry) Afterschool Program.
Despite Hnizdo's and Kar's very different backgrounds, both were enriched by the experience. In fact, Hnizdo so enjoyed working with the kids that he continued volunteering during the spring semester and over the summer.
He said it was eye opening to see the challenges low-income children and their families face. "But kids are kids," he said. "I grew as a person, I met people I wouldn't have ordinarily and it broadened my perspective of the world." On a lighter note, he added, "And I got really good at finding parking spots."
This freshman seminar is just one of the classes that get students—right from the get-go—putting a topic into its real-world context and taking action. "The philosophic stance I take is that high-impact learning around community action is what should occur in college," Dr. Thornburg said.
A recent crop of freshmen agreed. "I'm so glad Dr. T's seminar was one of the first classes I took to start off my college career," said Jasmine Garcia. "Not only was the material interesting and thought provoking, but the way he presented these issues encouraged us to share our ideas and viewpoints while always maintaining an open mind. Dr. T put a lot of effort into making sure his classroom was an open environment that fed on curiosity and new ideas. He went out of his way to learn more about his students and encouraged any passions we had."
Dr. Thornburg started the course in 2008. In class, students learn about the history of childhood, art of children over the centuries, theories of violence and aggression in kids, education, and topics involving children in some element of violence, such as trafficking, child soldiers or domestic violence.
The focus changes each year according to student input. In Fall 2016, students tackled the issue of human trafficking. "New York is a hot zone, and it affects mostly children under the age of 18," Dr. Thornburg said. Students partnered with the local group Love 146 to host an event in December called the "Human Trafficking Awareness Symposium." The event featured the art of students Esther Wolf and Neha Harish, and Charles Hager showed a PowerPoint presentation about the "human trafficking problem and ways individuals can make a difference," he said.
Alina Campbell said the class was her "hands-down favorite of the semester," one in which "you were working with your peers to tackle important issues close to your heart." Her takeaway, she added, is that "it is not enough to simply discuss what needs to be done, but that we as global citizens have the responsibility of taking that extra step to actually do it."
Want to read more stories like this?
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September 27, 2016 Hillary Rutter: She Went Pink Long Before It Was in Vogue News The director of the Adelphi New York Statewide Breast Cancer Hotline and Support Program talks the hotline and her 20-year experience with it.
August 31, 2017 First-Ever Adelphi University Health Innovation Awards News Adelphi is promoting community health programs with its exciting new Health Innovation Awards program.
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About Adelphi: A modern metropolitan university with a personalized approach to higher learning
Adelphi University, New York, is a highly awarded, nationally ranked, powerfully connected doctoral research university dedicated to transforming students' lives through small classes with world-class faculty, hands-on learning and innovative ways to support academic and career success. Adelphi offers exceptional liberal arts and sciences programs and professional training, with particular strength in our Core Four—Arts and Humanities, STEM and Social Sciences, the Business and Education Professions, and Health and Wellness.
Recognized as a Best College by U.S. News & World Report, Adelphi is Long Island's oldest private coeducational university. It serves almost 8,000 students at its beautiful main campus in Garden City, New York—just 23 miles from New York City's cultural and internship opportunities—and at dynamic learning hubs in Manhattan, the Hudson Valley and Suffolk County, as well as online.
More than 116,000 Adelphi graduates have gained the skills to thrive professionally as active, engaged citizens, making their mark on the University, their communities and the world.
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BBC issues mobile accessibility guidelines
By Creative Bloq Staff ( netmag ) published 20 June 13
Aims to better accessibility on mobile web content and apps
The BBC has drafted mobile accessibility standards guidelines for web content and applications to target device delivery and native applications.
Although designed for the BBC, the Draft Mobile Accessibility Standards and Guidelines cover subjects all web designers and developers should be mindful of, including colour, movement, input access, screen-reading, and text links and equivalents.
On the BBC's internet blog, senior accessibility specialist Henny Swan wrote a post about the guidelines. She said the accessibility team has worked for the past 18 months with others at the BBC to ensure web and app content was accessible. Without any internationally accepted guidelines available for mobile accessibility, the team decided to write its own.
Swan explained existing accessibility guidelines were "a useful foundation", but remarked that something "more targeted" was required for mobile web and native apps. She noted differences in requirements between desktop and web, such as in colour.
"On the desktop web it is widely accepted that a contrast level of 4.5:1 is acceptable. On the mobile web, where users are on the move in changing light conditions dealing with variable levels of glare, it's questionable whether 4.5:1 is enough, so perhaps we should be aiming for something closer to 7:1," she wrote.
The resulting standards and guidelines are technology agnostic and can apply to any platform, and three sets of techniques have then been devised to support HTML, iOS and Android. "As such the standards can be applied to any platform but the techniques are technology specific," she told .net. According to the original article, these platforms were prioritised due to most of the BBC's content being accessed via them, and iOS and Android having mature accessibility support.
Evaluation criteria has also been provided because, said Swan, the accessibility team "felt it was important for our teams to not just know what to do but also how to do it and how to verify they have implemented guidance correctly".
If you're looking to improve your own accessibility guidelines, the BBC's draft should prove a good source of inspiration.
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Will Ontario University Professors be Next to Strike?
University of Ottawa part-time professors will be in legal position to strike as of Monday, October 30th.
This comes after an overwhelming majority of part-time professors voted in favour of a strike mandate, according to the Association of Part-Time Professors (APTP).
The APTP and UofO have been in contract negotiations for 14 months, according to Shawn Philip Hunsdale, Director of Communications at the APTP.
Hunsdale said that the negotiations are taking place around salary and job security for part-time professors. This is similar to the situation that prompted more than 12,000 faculty at 24 Ontario colleges to start strike action last Monday. The strike affects more than 500,000 students, according to CBC.
The negotiations are taking place between the College Employers Council (CEC) and the Ontario Public Services Employees Union (OPSEU), the union representing the teachers. Full details of the strike and the demands of the OPSEU can be found here.
According to the OPSEU, the current ratio of full time to part time teachers at Ontario colleges is one to three.
"The balance between full-time and part-time has shifted substantially over my time. Now the number of full time faculty is going down, the number of students is going way up. The number of programs is up. And where that slack is being made up is part timers," said McKercher.
McKercher said that there are advantages to part-time and contract staff. Most still work in the industry and bring current skills and practices.
"To me, it's not an 'us vs. them' situation, but it has to be a matter of balance," she added.
In the OPSEU's Final Offer for Settlement, they requested that the ratio of part time to full time staff be 50:50.
Part time work is defined as anywhere between 6 and 12 teaching hours a week, with pay rates ranging between $54.16 and $142.86 per hour, according to the current collective agreement. It seems like a pretty good wage.
The lowest end of the pay-scale has a take home pay of less than $20,000; below the poverty line in Ontario.
But, in fact, staff on the highest end of this pay scale would make only around $50,000 a year before tax. The lowest end of the pay-scale has a take home pay of less than $20,000; below the poverty line in Ontario.
Contract instructors also don't get sick days or benefits.
Although she now has a full time position, a professor at Sheridan College, who wishes to remain anonymous, tells us it took several years of precarious contract work to get there.
Professors have said it takes a toll—never knowing where the next paycheque will come from.
"When you're worried about whether or not you'll still have a job in a month, or you're working two jobs, you can't focus entirely on what you're teaching," said Professor Mark Komza. He teaches full-time at Sheridan College, but has worked as a contract professor in the past and understands the toll it can have.
Brandon Amyot, a recent graduate of George Brown college, said that most of their teachers were part-time and that many had to work additional jobs to help make ends meet.
"They were there because they wanted to be there, not for the money," said Amyot.
In addition, the OPSEU is calling for increases in support staff, such as counsellors and librarians, for students.
Another chip on the bargaining table is academic freedom for professors and instructors at colleges.
The precarious employment of contract staff does not limit itself to colleges. The Canadian Association of University Teachers (CAUT) reported that nearly half of all Canadian undergraduate students are taught by contract professors.
A contract professor makes, on average, one third less than a full-time professor teaching the same course.
Contract and part-time professors do not earn as much as their full-time counterparts. A contract professor makes, on average, one third less than a full-time professor teaching the same course.
However, different unions represent faculty at different universities. So it is up to the discretion of faculty at individual institutions whether or not strike action is necessary.
Laurentian University recently went on strike for two weeks over contract negotiations.
"It's not radical what we're asking for," said a contract professor who asked not to be named for fear of repercussions. "It would even be nice to have an eight month contract instead of a four month one." As a father of three, he is seeking more stability than he currently has as a contract professor.
What is the impact of a strike?
For students, the impact of the strike has included lost class time and cancelled convocation ceremonies, and could mean an extended school year.
In the last 50 years, there have only been three strikes by college faculty: Sept 1984, Oct 1989, and March 2006. The only time the college teachers were legislated back to work was in 1984. None of the three strikes ever costed students their academic year.
The CEC is calling the strike unnecessary and unfair to students.
The CEC is calling the strike unnecessary and unfair to students. In a press release, the CEC called the union demands unaffordable, and said that meeting union demands would increase annual salary spending by 30%.
In addition, the CEC said that 50:50 staffing ratios would cut more contract positions than it would gain full-time positions, ultimately resulting in job losses.
However, professors say it is the students who are suffering when their professors have precarious employment.
For some students, like Amyot, the strike means cancelled convocation ceremonies.
Two Humber College students were so upset, they created an online petition, which already has 16,000 signatures from students. The campaign, #wepaytolearn aims to get back lost tuition money for the time students are not in class.
McKercher feels while the students anger is understandable. There is also a lack of understanding on the position part-timers are in.
"Most young Canadians don't get labour education, so they don't really understand what unions are, what they do and what negotiation accomplishes. It should be part of civics courses, unfortunately it's something people don't get a lot of. I think the students would be more understanding of the teacher's position if they got the education," said McKercher.
Despite his frustrations Amyot said they are supportive of the teachers on strike.
"I want this resolved quickly, but I want it resolved right," added Amyot, who noted that strikes have been occurring more frequently and closer together in the last few years.
Sarah Hartman, a Fanshawe marketing student, said her frustration lies with the colleges, not with the teachers or the union.
Profs will be trying to cram information into a shorter time span.
Hartman is also worries about the workload when classes do resume. Profs will be trying to cram information into a shorter time span. She said she is trying to get as much work done as possible but it's difficult without staff support.
Ultimately though, the strike is an ongoing and frustrating process, for staff and students alike. Pat Kennedy, president of the 415 section of OPSEU, is currently on the picket lines at Algonquin College. Around 500 part-time staff are marching. He understands the student's frustrations, and is also feeling them.
"It's understandable the students are mad, they should be upset. The college said they would provide them a 15 week semester and they're not doing it. They have a right to be angry. But we've had support from the students at the school. They're all generally supportive of their teachers," said Kennedy.
"Equal pay for equal work with regard to full timers is a recurring issue. But it's something we are really focusing on this time. We also want a senate for part timers. They already have it Sheridan, it costs nothing, but they don't want to discuss it. We've also had retirees come and ask to get life insurance plans through the school. It's one hundred percent paid for by the individual it doesn't cost the university 5 cents. But that's their attitude on it," says Kennedy.
Emily is a huge theater junkie and journalism student at Carleton university. When she's not slaving over school work, she's writing, absorbed in a newspaper, or getting outdoors with her horse, her partner, or (ideally), both.


Liverpool are tracking Chelsea winger Callum Hudson-Odoi, according to German outlet Bild.
The Blues turned down numerous bids from Bayern Munich in January for their academy graduate, despite the 18-year-old submitting a transfer request.
Borussia Dortmund, the team which friend and fellow English winger Jadon Sancho, are also reportedly interested.
However, the German duo may need to compete with Liverpool who, it's claimed, have been monitoring the forward's situation.
Hudson-Odoi has scored five times in 17 appearances for Chelsea.
Mohamed Salah, Roberto Firmino and Sadio Mane have starred for the Reds in recent times but Jurgen Klopp may want to provide his front-three with some competition.
The Londoner is under contract until the summer of 2020 but after being slapped with a two-window transfer ban the Stamford Bridge side will be desperate to keep the starlet.
Hudson-Odoi is currently on international duty with England for their two Euro 2020 qualifiers after receiving a first call-up to the senior side.


text:
Q: LinkedIn API on localhost gives API key invalid I'm working with the LinkedIn API on my localhost, using port 80. I get "API Key is invalid".
How do I get my API key to be valid?
I call the LinkedIn API from locally served pages with these URLS. I've added both URLs to "Javascript API domains" on the LinkedIn API admin page.
http://myjobsite/index.php/test
http://myjobsite/index.php/my-second-test

A: try changing localhost to your local IP in the API page and then make a call using your IP.
Also ensure your API key IS correct, and that you Oauth User Agreement scope is what you want it to be able to access.

redpajama_set_name: RedPajamaStackExchange


text:
O Mariscal Braun é um clube de futebol boliviano.

É um dos mais tradicionais clubes pequenos da cidade de La Paz. Manda seus jogos no Estádio Hernando Siles, com capacidade para 42 mil espectadores.

Disputou por diversas vezes a Liga de Fútbol Profesional Boliviano. Atualmente encontra-se disputando a Copa Simón Bolívar.

Clubes de futebol fundados em 1952

redpajama_set_name: RedPajamaWikipedia


The newest Power Rangers movie has impacted a new generation of fans since premiering earlier this year. And as it turns out, it also had an effect on the career of one of the film's stars.
Becky Gomez (a.k.a. Becky G) recently revealed how her role as Power Rangers' Trini/Yellow Ranger impacted her music career. As she explained, appearing in the film inspired her to try more things with her music, particularly with regard to Spanish-language songs.
"It all started with [my co-starring role in] Power Rangers." Gomez writes in a column with Billboard. "I learned so much from filming the movie that it re-inspired me on an artistic level, and it's really what made me go into Spanish music. I figured, "What the hell? I'm trying something completely new in the acting world, my first feature film." So it gave me the balls to try something new in my music."
As Gomez writes, the decision to venture into Spanish music brought a lot of insecurities for her initially, but it was ultimately worth getting out of her comfort zone like she did with Power Rangers.
"Although I'm very proud to be Latina and I'm proud of where I come from, [singing in Spanish] was always one of my biggest fears. It might be because I watched the movie Selena too many times -- when her dad says, "You're either too Mexican for the Americans or too American for the Mexicans. You can't be in the middle." That part stuck with me, because I've lived my whole life in the middle. When people say, "I'm going to cross over," I realized, "No, I am the crossover. I'm one foot on one side, and one foot on the other." It's scary to walk that bridge, because you never know if you're going to be accepted into the community as an artist the way you would hope."
It's safe to say that Gomez's role in the film paid off, especially with the Latina and LGBT representation her character brought to the franchise. And if Gomez ends up getting to reprise her role in a Power Rangers sequel, she definitely wants to continue in that direction.
"It is an honor," Gomez revealed in an interview earlier this year. "It's something that I was very excited about and, as an actress, there's nothing [more] that I could have asked for... The truth is with something like that, you don't just wake up and know. It's a process. And so, as time goes by, if we make Power Rangers 2, 3, 4 … I'm excited to see how she grows."


Left tae richt Lovell, Swigert, Haise, 12 days efter thair return.
Apollo 13 wis the seivent manned mission in the American Apollo space programme an the third intendit tae laund on the Muin.
↑ Orloff, Richard W. (September 2004) [First published 2000]. "Table of Contents". Apollo by the Numbers: A Statistical Reference. NASA History Division, Office of Policy and Plans. NASA History Series. Washington, D.C.: NASA. ISBN 0-16-050631-X. LCCN 00061677. NASA SP-2000-4029. Retrieved April 15, 2012.
This page wis last eeditit on 8 Dizember 2015, at 17:52.


Active MLS # 203426, Listed by Gooden Homes, Inc.
17/A Arbor Ridge Circle is a $28,500 property on a 0.25 acre lot located in Lillian, AL.
A beautiful residential neighborhood off CR 99, just South of Hwy. 98 approx. 2.5 miles. Brick and Craftsman style homes, Paved streets, street lighting, underground utilities, Public water and sewer and more! Owner Lot Financing Available. Several lots available, and you may Choose your Builder too! Great entrance to HOME...Seller Financing Example: lot cost $ 28,500 - 1500 down payment = $ 27,000 finance @ 6% int amort. 20 yrs. = $ 193.44 monthly payment, with 3-5 year balloon payoff, no penalty for early payoff. If you have plans that needs a longer balloon payment we can discuss. Several lots to choose from & going fast.
I am interested in 17/A Arbor Ridge Circle, Lillian, AL 36549.


Specifications for HTC's next "Facebook phone" have been confirmed. The device will go under the name 'HTC Mystic' and will offer a set of mid-range specifications. The smartphone will feature a 1.5GHz dual-core CPU, 1GB of RAM and 16GB of internal memory. The device will not allow users to use SD cards for expansion. As far as the display goes, the device will offer 4.3-inches of 720p screen real-estate at 320 pixels-per-inch. The Mystic's cameras will offer resolutions of 5 and 1.7-megapixels for the rear and front facing cameras respectively. Finally, the device will offer LTE, HSPA, Wi-Fi and Bluetooth 4.0 connectivity and will be powered by Android 4.2.1.
UnwiredView has stated that this information comes from a "reliable source" and that it matches earlier leaked information from last month. The publication has also stated that the device should ship sometime this spring and will be pre-loaded with a plethora of Facebook applications like Messenger and Instagram as well as the official Facebook Android app. However, we're still not sure if the device will offer a dedicated Facebook button like what was offered with the HTC ChaCha and HTC Salsa, HTC's previous attempts at a Facebook phone.


This page and the next were inked and scanned on April 10th; after getting those two ready for shading I decided to continue with line art production operations and wound up drawing, inking, cleaning up and coloring the entire scene prior to shading. After shading it sat on disk while I thrashed out and finalized what I'd be doing with the ATC Patreon page. I got that rolling on May 6th and posted the entire scene on the 25th and 27th – in HD and with script pages for $5 pledges and with a support image for $10 patrons. $10 patrons will be seeing more soon, as I started development on the next scene last week and got a bit of build work done this weekend and I plan on posting some "behind the scenes" as the scene develops. I plan to be drawing again in late June and hope to post the pages in July, though I don't really know what this month looks like for availability yet so it could easily play out differently.
The first panel of this page is intended to match with the last shot of the previous page, which it does for positioning and camera distance though can't for spacing due to height differences between Raven and Tantek. These shots are a transitional companion piece to the final panel of Water -15- (Raven) and the first panel of Water -16- (Tantek) and are intended to remind the reader of that arc and the relationship between Raven and Thad, which is something you'll be seeing more of over the course of the next couple of pages.
In panel one, Thad is taped up to prevent chafing. This is a real enough thing that there are multiple products for it. I don't know if this is a consideration for modern EVA equipment or not – the suit in this scene is a type of Space Activity Suit, and chafing is almost certainly an issue.
It's been about two months since the last page was posted – if you need a refresher just about everything of relevance to this page was set up a few pages ago. Though if you want to get technical plot construction starts much further back.
Actually it starts all the way back, though in the context of the chapter the relevant plot bits do start around Fire -11- or -12-.
There are four more pages completely complete and waiting in the wings – you can read those on Patreon right now, or you can wait for me to post them whenever it occurs to me to do so. I might burn them off this week or I might stick with weekly posts in an attempt to get things back on something resembling a schedule. Which way this goes depends on factors outside of ATC and this time next year it won't even matter so… they'll be here when they get here.
In the meantime, stay tuned to Patreon!
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© 1994 - 2019 dmh.


text:
Gabriel Weinreich
Regents' Proceedings 380
Gabriel Weinreich, professor of physics, retired from active faculty status on May 31, 1995.
Professor Weinreich received his ANB., AM., and Ph.D. degrees from Columbia University in 1948, 1949, and 1953, respectively. From 1953-60, he was a physicist at Bell Labs. Professor Weinreich came to the University of Michigan as an associate professor of physics in 1960; he was promoted to professor in 1964.
In his early years at Michigan, Professor Weinreich and his colleagues were the first to report the generation of optical harmonics, thus founding the science of nonlinear optics. More recently, Professor Weinreich has been recognized for his work in musical physics. In 1979, he was awarded the first major National Science Foundation grant for a project in musical acoustics, which resulted in an influential Scientific American article. He has gone on to become a world authority in the field of musical physics. A fellow of the American Acoustical Society, he is recognized for his abilities to bring concepts from other fields of physics to the study of acoustics and for a number of significant discoveries in the discipline. In 1992, he was honored with the French Acoustical Society's International Medal. The same year, he delivered the annual Klopsteg Lecture to the American Association of Physics Teachers and, in 1994, was distinguished public lecturer at the Acoustical Society's annual meeting.
A devoted teacher, Professor Weinreich has taught nearly every course the department offers; he also developed a revised elementary physics sequence for engineers and physicists in 1968-70. He earned a Distinguished Undergraduate Teaching Award in 1968 and was named a collegiate professor in 1975.
Professor Weinreich was ordained as an Episcopal priest in 1986. He accepted a position as rector of St. Stephen's Episcopal Church in Hamburg, Michigan, in September 1994, as he began his phased retirement from the University.
The Regents now salute this distinguished professor by naming Gabriel Weinreich professor emeritus of physics.


text:
Q: Grunt. Convert json file to javascript file and store json file data into js object I have yaml files with localization strings on the server. I'm using grunt and grunt-yaml module to convert yaml files to json files. The problem is that I need to store those file in the head section of the page like js files and pass it into variable. Example:
I have json
{
    en: {
        name: "Name",
        ......
    }
}

And I need to convert it to js file and include it to using script tag:
var language = {
        en: {
            name: "Name",
            ......
        }
    }
<script type="text/javascript" src="path-to-file/en.js"></script>

In that way I will have access to json in my application.
Note! I can't load json via ajax, because of technical reasons. I need to form file url based on the serverside logic.
Best solution is to use some other grunt module to convert yaml directly to js file with json in it. Or use one more module to convert json file to needed js.
Anyway, I don't know if it even possible. If no, I will use grails for conversion.


Here I am on another beautiful Sunday morning...about to run another half marathon! And it's in the gorgeous Seaside!!! It really is beautiful here! I can't wait to tell you all about it!
It's time for another runner spotlight! If you'd like to be spotlighted please send me an email at mindy@roadrunnergirl.com! I'd love to spotlight you!
Today it's Kat from Sneakers and Fingerpaints' turn! Kat is one of my best blends (blogger friends)! She is also one of my partners in #holidayaday and #goalgetter2013! I got to meet Kat in January at Disney and she is even more beautiful in person! I'm so happy you get to learn more about her!
When and why did you start running? In 2007 I started doing 5ks with friends to stay challenged with fitness. Starting in 2012, I started tackling longer distance training! I did my first half Nov 2012 and am now working on my 5th coming up in March! Half fanatics level 2, here I come!
What is your favorite race and race distance? Half marathon!
What is your race day routine? I usually wake up 2+ hours earlier to eat something small (an energy gel - haven't worked up to food yet) and then 'do the do' and get to the race early enough to hop in the port-o-let again and warm up!
Kat didn't talk about this in her answers but check out her before and after picture! She's a true inspiration!!!
Here are all the different ways you can connect with Kat!
Thanks so much for sharing with us Kat!!!
QOTD: What is YOUR favorite race distance?


This week in book-related infographics: Electric Literature has recommendations for summer reading, organized by location and required concentration level. Going to Italy? Try A Room with a View. Craving a tropical get-away? Read The Beach, obviously.
Brideshead Revisited is one of my favorite novels. I am prone to the use of superlatives, fits of florid enthusiasm, and weeping, so I have dozens of favorite novels, songs, and movies. I also have a lot of mortal enemies (mostly from the parking lot) and several best friends. Both my cats are my favorite. There are so many things to love (and loathe). Let's say that I am catholic with my affections.
The people in Brideshead Revisited are also Catholic with their affections, but for them it means something different, namely that they are crazy. Or not crazy, exactly, but capable of nuances of feeling, infinitely tied to a class and place and time, that seem no longer to be part of anyone's emotional spectrum. These feelings do not register on the brute psychic seismographs of today; they require some exquisite baroque device, ancient but extraordinarily sensitive, sitting under a drop cloth in a crumbling country estate. I think this is why we must read novels; we need them to exercise emotional muscles rendered vestigial by work, or poverty, or Real Housewives of Bachelor Island.
For all that I cannot quite grasp the inevitability of breaking up with one's lover because, ostensibly, my lapsed-Catholic father crossed himself upon his deathbed and I inherited an enormous mansion and all of the servants and furniture, I find so much to love in Waugh's superb style that it doesn't matter. It's the same way with A Room With A View–I don't understand why everyone gets so mad when they run off at the end, but I find it a delicious, uplifting read nonetheless.
In Brideshead Revisited, Waugh, relaxing some of the savage facetiousness of his earlier novels, allows himself to get emotional, without sacrificing a pungent sardonicism. I've read Decline and Fall and A Handful or Dust, and I recall them as being comic but brittle; Brideshead Revisited has laughs, but is full of a sincerity which palpitates my overwrought heart. To view the progression in his oeuvre in modern terms, Waugh is like an emotionally unavailable love interest, who wounds with bitter jokes and soothes with mixtapes and your own endless optimism. And then one day he stops messing about with humorous Tumblrs, writes the great American blog, gets a tattoo of your face, and says he wants a baby. In sum, Evelyn Waugh is your bi-curious hipster boyfriend. Maybe modern life has its own incomprehensible manners and modes of feeling.
Brideshead Revisited is mostly about things being over. Waugh embellishes his story of Charles Ryder's lost love (Sebastian) and lost lover (Julia) with lost buildings (stuffed with soldiers, pulled down to make blocks of flats), lost generations (blown up by mortar or age, replaced by the hapless Officer Hooper), and lost lineage (the male line stymied by a déclassée widow, the great house going to the girl). Even Charles himself, an architectural painter of country houses and jungle ruins, is the chronicler of things going and gone. Like Anthony Powell, Waugh meditates on the intersection of personal and cultural loss, although each writer's sense of humor saves his respective work from maudlin, lost-empire ruminations.
He told me and, on the instant, it was as though someone had switched off the wireless, and a voice that had been bawling in my ears, incessantly, fatuously, for days beyond number, had been suddenly cut short; an immense silence followed, empty at first, but gradually, as my outraged sense regained authority, full of a multitude of sweet and natural and long-forgotten sounds–for he had spoken a name that was so familiar to me, a conjuror's name of such ancient power, that, at its mere sound, the phantoms of those haunted late years began to take flight.


text:
{% extends "spirit/_base.html" %}

{% load i18n %}

{% block title %}{% trans "Publish comment" %}{% endblock %}

{% block content %}

{% trans "Publishing comment on" %} "{{ topic.title }}"

    <form action="." method="post">
        {% csrf_token %}
        {% include "spirit/_form.html" %}

            {% include "spirit/comment/_editor.html" %}

            <input class="button reply-button" type="submit" value="{% trans "Publish" %}" />

    </form>

{% endblock %}

redpajama_set_name: RedPajamaGithub


My husband will probably think I'm silly for posting this review, but I can't help it. His all time favorite movie is Boondock Saints which I do enjoy mainly because of how attractive Norman Reedus and Sean Patrick Flanery are, and William Dafoe's acting is amazing as well. But no movie in my mind trumps V for Vendetta!


Pulse MP is a free player of musical files which is able to cope with each device. It is meant mainly for users of PCs, who dream of ingenious, adaptable and efficient tool for music replaying and organisation.
Inject HP SAS Controller Drivers into Windows 2003 32Bits. This will allow you to upgrade your hardware without reinstalling or migrating. Image your server to a new HP Proliant with a SAS Controller.
SoundJam MP plug-in allowing spectrum waveform analysis. Mimic is a SoundJam MP plug-in that allows for spectrum waveform analysis.
Publisher: DataMagnet Software Solutions Inc.
Software Tools for SCSI/FC/iSCSI/SAS Device Testing, Visual SCSI Explorer software runs on the Windows 2000/XP/2003/Vista operating system platforms and is intended for people who deal with SCSI devices.
Able Page View can show all kinds of FAX images, multipage FAX and TIFF images (rev.6.0, Packbits, LZW, CCITT G.3 and G.4) with RGB, CMYK, B/W, animated GIF.
Sweet MIDI Harmony Maker enhances the sound of notes played on your MIDI keyboard.
One of the best and most rewarding features of the 050-894 training materials are that they are guaranteed to bring you success in the testing room.
Random Burper is a fun prank program that plays gross belching sounds and other bodily noises at random intervals.
SendExpress Pro, a mailing list manager.


CAF-1 is an evolutionarily conserved H3/H4 histone chaperone that plays a key role in replication-coupled chromatin assembly and is targeted to the replication fork via interactions with PCNA, which, if disrupted, leads to epigenetic defects. In Saccharomyces cerevisiae, when the silent mating-type locus HMR contains point mutations within the E silencer, Sir protein association and silencing is lost. However, mutation of CDC7, encoding an S-phase-specific kinase, or subunits of the H4 K16-specific acetyltransferase complex SAS-I, restore silencing to this crippled HMR, HMRae**. Here, we observed that loss of Cac1p, the largest subunit of CAF-1, also restores silencing at HMRae**, and silencing in both cac1Δ and cdc7 mutants is suppressed by overexpression of SAS2. We demonstrate Cdc7p and Cac1p interact in vivo in S phase, but not in G1, consistent with observed cell cycle-dependent phosphorylation of Cac1p, and hypoacetylation of chromatin at H4 K16 in both cdc7 and cac1Δ mutants. Moreover, silencing at HMRae** is restored in cells expressing cac1p mutants lacking Cdc7p phosphorylation sites. We also discovered that cac1Δ and cdc7-90 synthetically interact negatively in the presence of DNA damage, but that Cdc7p phosphorylation sites on Cac1p are not required for responses to DNA damage. Combined, our results support a model in which Cdc7p regulates replication-coupled histone modification via a CAC1-dependent mechanism involving H4 K16ac deposition, and thereby silencing, while CAF-1-dependent replication- and repair-coupled chromatin assembly per se are functional in the absence of phosphorylation of Cdc7p consensus sites on CAF-1.


text:
Rosberg tops Bahrain practice
Mercedes driver tops second Bahrain practice as Formula One gears up for the new season.
Rosberg tops the standings ahead of Saturday's practice run [GALLO/GETTY]
Nico Rosberg was fastest in Friday's practice for the season-opening Bahrain Grand Prix, staying ahead of teammate Michael Schumacher who finished third to put Mercedes at the front of the Formula One grid.
Rosberg set the quickest time of 1 minute, 55.409 seconds to lead Lewis Hamilton of McLaren and Schumacher by just under half a second after two sessions.
Compatriot Adrian Sutil had stolen some of the returning seven-time champion Schumacher's limelight in the first session with the quickest time for Mercedes-powered Force India, but Rosberg went faster in the afternoon.
Hamilton was second, running faster than team mate and reigning champion Jenson Button who had been ahead in the morning.
Mercedes-engined cars filled the top four slots.
Schumacher said he needed to raise his game and shake off the rust in time for Saturday's qualifying.
"It's a bit too much for my standards, so I gotta raise my game a bit and I'm sure I'm going to," said the 41-year-old German, who skidded off the track at one point during the first session.
"It has been fun but I certainly feel a little bit rusty, especially on the (qualifying lap) issue. I'll just use the rest of the weekend to tweak out a few little things."
Alonso ninth
Spain's double world champion Fernando Alonso limbered up for his Ferrari race debut with the second best time in the first session and then ninth after lunch.
"I have no idea," Alonso answered when asked if his Ferrari was capable of putting him on pole position for Sunday's race.
"It's still completely unknown for everybody. The four big teams, any of them can be quick tomorrow and be on pole."
While practice times can be misleading, with drivers trying out different set-ups and running with varying fuel loads, all eyes were on Schumacher's pace after an absence of three seasons.
With Mercedes returning as a works team for the first time since 1955 after taking over champions Brawn, the former Ferrari great was 10th in the morning and more than 0.4 seconds slower than Rosberg.
Lotus, an illustrious name returning after a 16-year absence were the best of the three all-new entrants although they were an age off the pace.
Finland's Heikki Kovalainen lapped 18th fastest, 5.464 seconds slower than Rosberg, with Italian Jarno Trulli 19th.
Virgin Racing's Timo Glock was 6.6 seconds slower than the fastest car while Brazilian Bruno Senna was 11.5 seconds away from Rosberg's time.
Second practice results
1 Rosberg (GER) Mercedes 1:55.409
2 Hamilton (GBR) McLaren 1:55.854
3 Schumacher (GER) Mercedes 1:55.903
4 Button (GBR) McLaren 1:56.076
5 Vettel (GER) RedBull-Renault 1:56.459
6 Huelkenberg (GER) Williams-Cos 1:56.501
7 Massa (BRA) Ferrari 1:56.555
8 Petrov (RUS) Renault 1:56.750
9 Alonso (ESP) Ferrari 1:57.140
10 Rosa (ESP) BMW Sauber-Ferrari 1:57.255
11 Kobayashi (JAP) BMW Sau-Fer 1:57.352
12 Sutil (GER) Force India-Mercedes 1:57.361
13 Barrichello (BRA) Williams-Cos 1:57.452
14 Liuzzi (ITA) Force India-Mercedes 1:57.833
15 Kubica (POL) Renault 1:58.155
16 Alguersuari (ESP) Toro Ros-Fer 1:59.799
17 Webber (AUS) RedBull-Renault 2:00.444
18 Kovalainen (FIN) Lotus-Cosworth 2:00.873
19 Trulli (ITA) Lotus-Cosworth 2:00.990
20 Glock (GER) Virgin-Cosworth 2:02.037
21 Di Grassi (BRA) Virgin-Cosworth 2:02.188
22 Senna (BRA) HRT-Cosworth 2:06.968
23 Buemi (SUI) Toro Rosso-Ferrari
24 Chandhok (IND) HRT-Cosworth
Hot temperatures at the desert track came into play and accelerated tyre degradation.
Drivers will need to carefully manage tyres on heavy cars as a result of new rule changes that did away with refuelling in the upcoming season.
"It's a bit of a dog to drive it on a heavy fuel tank," Hamilton said of the heavier set-up.
"It's like driving a bus. (The car) doesn't stop as well."
The drivers were also unhappy about the new-look track which has added eight new corners to slow the cars.
"It's hard to concentrate on the next corner with your head bouncing all over the place. It's tricky," Button said of the new section.
"It's a good place to lose a lot of time so you have to be careful. It doesn't help overtaking in any way."
Button said he was "reasonably happy" with his car and his new start at McLaren after winning the title with Brawn GP – now Mercedes – last year.
"I've chosen my new challenge and that is to race here. I think I needed that challenge after winning the championship," the Briton said.
"It's not that I'm not hungry, I'm so hungry."
While the top teams prospered, the rookie teams continued to struggle at the back of the grid with Bruno Senna losing a piece of his rear tyre on the final lap in his Hispania Racing car.
Senna, nephew of three-time champion Ayrton Senna, managed 20 laps over the two sessions with a best time of 2:06.968 – nearly 12 seconds off the pace.
With the HRT (Hispania) team unable to test the car before arriving in Bahrain, the return of the Senna name to a grand prix weekend for the first time since the death of Ayrton at Imola in 1994 was limited to what amounted to a shakedown.
Indian rookie team mate Karun Chandhok did not even manage to get out on track, forced to sit out both sessions while mechanics worked on his car.
"We have had a lot of problems, we can't seem to get the clutch and gearbox working," he said.
"It's such a shame for the mechanics, they have worked all night without any sleep – so I feel for them. It's some sort of electronic or hydraulic issue, it's not mechanical… it's a very difficult first day in F1 for me."
Schumacher itching for F1 start
Former champion says he feels like a child waiting for Christmas ahead of Bahrain.
McLaren's formula for drama
Partnership between F1 champion Button and former winner Hamilton set to ignite tensions.
Chandhok: 'India expects too much'
F1's only Indian driver says he is having to damp down unrealistic hopes at home.
Chandhok secures F1 drive
Karun Chandhok becomes second Indian F1 driver as Hispania prepare for debut season.
Mo Salah donates oxygen, ambulance for Egyptian village
PGA pulls 2022 championship out of Trump National
Australia apologises as India cricket players racially abused
Real Madrid star Karim Benzema to stand trial in sex tape case


text:
Here's why banks need to prioritize digital platforms
LinkedIn icon The word "in". Email icon An envelope. It indicates the ability to send an email. Facebook Icon The letter F. Fliboard icon A stylized letter F. Twitter icon A stylized bird with an open mouth, tweeting. Link icon An image of a chain link. It symobilizes a website link url.
This story was delivered to BI Intelligence " Payments Briefing" subscribers hours before appearing on Business Insider. To be the first to know, please click here.
JPMorgan Chase and Wells Fargo announced their Q1 2018 earnings on Friday, which reflect a pattern seen in previous quarters of mobile banking continuing to rise, but at a decelerated rate, as the market matures.
JPMorgan Chase counts 30.9 million active mobile customers, up 13% from the 27.3 million the bank counted in Q1 2017. Of the 3.6 million users that Chase added in the past year, 800,000 came in Q4 2017. Growth is still solid, but continues to decelerate — something that Chase and other banks have been seeing for several consecutive quarters.
Wells Fargo counts 28.8 million total active digital users, 21.8 million of which use mobile banking. The firm noted that mobile active customers continued to exceed desktop-only customers. While that demonstrates slow annual growth of just 3%, it could still be solid growth for the bank, given that it experienced a slight decline in digital active users over the past few quarters as it began to recover from last year's scandal.
As the digital banking market approaches saturation, banks should find new ways to engage digital users.
The mobile banking market is nearly ubiquitous. Eighty-three percent of respondents to Business Insider Intelligence's Mobile Banking Competitive Edge Report use mobile banking, suggesting that the plateau isn't due to declining interest in mobile banking platforms, but rather due to mobile banking nearing ubiquity, where growth is coming from customers new to banks rather than those new to mobile offerings.
And so banks should focus on engagement, and work on making mobile banking valuable. Digital banking interactions are replacing physical interactions — last year Wells Fargo saw 5.9 million digital interactions, up from 3.8 million in 2013, while physical interactions declined overall — indicating that they're a valuable channel for banks to reach customers on a recurring basis. Firms should subsequently leverage their digital platforms to meet consumer need and use them as a relationship-building channel. By incorporating value-added tools and services that consumers want, like card controls and peer-to-peer (P2P) transfer functionality, firms can continue drawing a wide swath of users back to their apps. That could increase user loyalty, and might also be an opportunity to upsell customers on more lucrative services, which in turn would increase lifetime customer value.
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Dr. Brent Johnson was raised in Ironwood, MI where he graduated from Luther L. Wright High School. He completed his undergraduate work at the University of Minnesota with a bachelor of science degree in dentistry. He also graduated with distinction from the University of Minnesota School of Dentistry with a Doctor of Dental Surgery degree.
He is a member of the American Dental Association, the Wisconsin Dental Association, the Northern District Dental Society, Seattle Study Club and the World Clinical Laser Institute. Each year he completes many hours of continuing education.
Dr. Johnson and his wife Natalie have four sons and four grandchildren. Dr. Johnson loves spending time with his family, swimming at the YMCA, cross-country skiing, training for triathlons, hunting and fishing.


Right now, we're just showing the possible effects of changing your batting lineup. Coming in the future, we'll include pitching performances and a sample score from the other team to get a final game result.
*In BWB, we count BB, SB, and HBP in the TB value.
Errors come into play for YOUR pitching score (adding .5 to the score for every error), so currently we're not showing the effect of that.
This is just half the score for your team in a game.
Are you the home team?
If both teams have the same rounded run total, the team with the highest raw score is the winner, and we adjust one of the team's run values up or down a run (and mark the game as an "extra inning" game).


185 cfa and cfd SSRs, mapped in Synthetic x Opata (ITMI) and Courtot x Chinese Spring (CtCS).
Primers, quality, motif, size and chromosome locations.
PCR conditions are 94°C 5 min ; 30 cycles (94°C 30 sec ; Tm 30 sec ; 72°C 30 sec) ; 10 min 72°C.
Maps of ITMI and CtCS with these SSRs added.


• reproductive and developmental toxicity (teratogenicity).
• other (e.g., skin penetration potential, flammability, etc.).
• other (e.g., mobilization of metals, regulatory issues, toxicity to soil organisms, etc.).
of Governmental Industrial Hygienists, ACGIH; etc.), teratogens (National Toxicology Program, NTP), ozone-depleting substances (Section 602(b) of the Clean Air Act), and so on. Other data must be gathered from various standard test methods (aquatic toxicity [OPPTS Harmonized Guidelines; 850.1075 and 850.1400], biodegradability [OPPTS Harmonized Guidelines, 835.3500 and 835.3400], and so on) and others from credible scientific literature (fate in the natural environment, known biodegradation breakdown products, etc.). Some of the data are publicly available, while others must be obtained from raw material manufacturers at the request of the product manufacturers. Some are based on expert assessment, models, and evaluation of analogs.
For ease in communicating levels of potential health effects, color coding is used to designate whether or not the data exceed criteria for each attribute. For list-based data, a chemical either is or is not on a particular list, for example, the National Toxicology Program Report on Carcinogens. For attributes such as aquatic toxicity, data are evaluated and cut-off criteria limits are set. Red would indicate toxicity to fish based on LC50 <10mg/L. Yellow would indicate moderate aquatic toxicity to fish with LC50 between 10 and 100 mg/L. Green would indicate that based on test results, the chemical is considered relatively nontoxic to aquatic life at LC50 > 100 mg/L. A color coding of orange is used to indicate the absence of data.
The first step most companies and industries take on the path to cradle-to-cradle is to identify and move away from substances that are widely recognized as harmful. A number of companies have developed Restricted Substances Lists based both on regulatory requirements and design ideals to support their designers and purchasers in this commitment. This approach has resounding impacts up and down the supply chain.
If an ingredient is found to violate the Priority Criteria, then every effort is made to avoid its use. Criteria are also prioritized based on the type of product and exposure routes. For example, cleaning products are generally released to the air and/or sewerage system. In addition, there is opportunity for inhalation, and skin and eye exposure. Therefore, criteria such as biodegradability, aquatic toxicity, skin and eye irritation, chronic toxicity (asthma), and sensitization would be priority criteria in designing cleaning products.
At a second level of commitment, companies can select ingredients by comparing existing substances based on their human and environmental health and safety (EH&S) profiles. In order to do so, they will need full product ingredient disclosure for ingredient assessment, as outlined above. Challenges in comparing ingredients include trade-offs and lack of data. Sometimes ingredients will appear to be relatively equivalent with respect to EH&S criteria. Companies must decide what criteria are most important and relevant based on the product's intended use, fate, and exposure routes and determine which attributes best reflect the company's highest aspirations. Which attributes are more important to the company and its stakeholders? What is the best decision that can be made now, knowing that more information in the future will continue to inform decisions? This requires decision-making under uncertainty, but still pushes forward the intention to design using materials with the most favorable human and environmental health profiles. For example, the Port of Portland worked with their Janitorial Service provider to convert at least 65 percent inventory to environmentally preferable cleaning products (EPP). They chose products that were either already eco-labeled or distinguished via partnerships such as U.S. EPA's Design for the Environment Formulator Initiative, products screened via State, City or Federal environmentally preferable purchasing programs, or products for which full ingredient disclosure was obtained and ingredients were screened for carcinogens, endocrine disruptors, hazardous air pollutants, ozone-depleting chemicals, persistent, bioaccumulative, and toxic substances (PBTs), teratogens, and alkylphenol ethoxylates. The screening was also informed by the Indiana Relative Chemical Hazard Score (http://www. ecn.purdue.edu/CMTI/IRCHS/) and the Janitorial Products Pollution Prevention Project (http://www.wrppn.org/Janitorial/jp4.cfm).
In the end, the goal is to specify and use only the safest, healthiest chemicals and materials. This can involve the development of lists of preferable chemicals (what we call "P-lists") for use in specific applications. The development of P-lists is useful and practical within a company, as well as within and between industries, as many of the same raw materials are used by different manufacturers for different applications. For example, dyes and surfactants are used so broadly that the identification of positively assessed ingredients in these categories could support the use of more benign ingredients in multiple sectors. There is a need to share data and information on ingredients based on application and performance to support product design, especially because the chemical assessment work is resource intensive.
Where materials do not currently exist, there is a clear need for new green chemistries to fill the void. Criteria for designating green or positive chemicals must be defined along with associated predictive human and ecotoxicology tests and physical chemistry assessment in order to support sustainable product design. And of course, one cannot assume that a new chemical is benign when no negative data are available simply because it has not been thoroughly tested.
Figure 5.5 illustrates levels at which data are used and weighted to support organizations in optimizing chemicals and materials in their products and processes.
Green chemistry faces many challenges in the next decade as data related to physical-chemical properties, human and ecological toxicology are collected internationally, and new tools emerge for predicting toxicology. Tools used for drug design and new chemical review are being adapted for identifying potential human and environmental health concerns for chemical ingredients, prior to their use in formulated products. In addition, green chemistry must address the development of materials with fundamentally new properties, such as those derived from nanotechnology and processes using genetically modified organisms.
MSDSs, regulatory and other lists of known hazards.
Relative chemical hazard Extensive assessment based data and client values. on test data, modeled data, literature reviews and expert judgment.
Criteria for green chemicals based on application.
Figure 5.5. Applications and information needs for assessing human and environmental health.
• Is it technically feasible to recycle the material? What is the nature of the recycling process (chemical, mechanical)?
• Is the material biodegradable and potentially beneficial when discharged to environmental media or to an organic recovery system such as anaerobic digestion or composting?
• Does a recycling or organic recovery infrastructure exist for the material?
• What is the resulting quality of the recycled material or biodegraded nutrient?
• How can the materials and products be designed to enhance post-use value recovery?
• What is the value of the material for use in energy recovery?
• Has the material been designed for safe incineration in currently existing energy recovery systems?
For example, because it is difficult at this time to conceive of recovering cleaning products after use, it is sensible to design cleaning products as biological nutrients. Therefore, the cleaning product formulation must be amenable to wastewater treatment via the criteria of biodegradability and low aquatic toxicity. The packaging of these products, however, can be designed for a technical metabolism.
Asking the question, "How can this material or product be conceived as a nutrient?" drives different avenues of thinking. For example, eutrophication by excess phosphorus in manures is considered a pollution problem, while phosphorus is mined elsewhere for use as fertilizer. Thinking in terms of nutrients would suggest recovering P from manures for use as fertilizer, whether from anaerobically digested manures or as precipitated struvite. Likewise, nitrogen is a pollutant when emitted from cement kilns and coal-fired plants at the same time it is needed for growing food. Thinking in terms of nutrients would suggest that NOx could be recovered and transformed (it can be) for use as a nutrient.
The challenge of nutrient-metabolism thinking is building infrastructures for metabolizing materials to capture their highest value. While a material may be fully recoverable or recyclable, its value will not be realized if the infrastructure does not exist for recovery and recycling. On the large scale we envision for a truly sustainable industry, this cost can rarely be borne by individual companies, but groups of companies can organize, agree on common goals, and pool their resources to promote common infrastructures. There are already examples of such groups. Starting in summer 2003, GreenBlue organized a working group of companies in the packaging value chain - from consumer brands like Nike and Estee Lauder to commodity materials companies like MeadWestvaco and Dow - to explore cradle-to-cradle concepts and opportunities. In 2004 they formed the Sustainable Packaging Coalition to collectively outline and pursue strategies for creating cradle-to-cradle packaging products and systems (www.sustainablepackaging.org).
As industry moves toward renewable energy sources and materials, materials and products can be evaluated for their effective use of energy. This process includes the following considerations.
• What energy sources are used in its creation, distribution, use, and value recovery processes?
• How much energy is required for creation of the virgin material?
Figure 5.6 illustrates a value recovery hierarchy that can be used to inform decisions about material cycling strategies.


text:
package com.thinkaurelius.titan.diskstorage.cassandra.astyanax;

import com.thinkaurelius.titan.diskstorage.BackendException;
import com.thinkaurelius.titan.diskstorage.configuration.Configuration;
import com.thinkaurelius.titan.diskstorage.configuration.ModifiableConfiguration;
import org.junit.BeforeClass;

import com.thinkaurelius.titan.CassandraStorageSetup;
import com.thinkaurelius.titan.diskstorage.cassandra.AbstractCassandraStoreTest;
import com.thinkaurelius.titan.diskstorage.cassandra.AbstractCassandraStoreManager;

public class AstyanaxStoreTest extends AbstractCassandraStoreTest {

    @BeforeClass
    public static void startCassandra() {
        CassandraStorageSetup.startCleanEmbedded();
    }

    @Override
    public ModifiableConfiguration getBaseStorageConfiguration() {
        return CassandraStorageSetup.getAstyanaxConfiguration(getClass().getSimpleName());
    }

    @Override
    public AbstractCassandraStoreManager openStorageManager(Configuration c) throws BackendException {
        return new AstyanaxStoreManager(c);
    }
}


Q. Describe how a skill you learned in a previous job helped you in your current job. Dare to fail.
Q. Job advice in three words? Do your homework.
Q. How are you (or your company, org, nonprofit) currently bridging the gap between politics and tech / innovation and regulation? By moving with my family from the Bay Area to Washington, DC to be CEO of USTelecom. Does that count? Seriously, broadband is the backbone of modern communications, connecting families, communities and our digital economy. USTelecom operates at the intersection of policy and innovation – advocating on behalf of our members (both large and small) so they can grow their networks and deploy broadband to consumers, no matter where they live.
Q. What can Silicon Valley (innovators) teach DC (regulators)? Regulators can be innovators.
Q. What can DC (regulators) teach Silicon Valley (innovators)? Competition thrives better on a level playing field.
Q. Looking back, what advice would you give yourself in the beginning of your career? Never work for anybody who really cares where you went to college and what you studied while there. The passion, discipline, and commitment you show are much more important indicators of your future success.
Q. What's one piece of advice you are still trying to master? The art of listening.
Q. Living person you admire? My wife, Carrie.
Q. Favorite under the radar company? Verdigris Technologies and its brilliant CEO Mark Chung.
Q. Most underrated virtue in an employee? The ability and desire to defer credit to other team members.
Q. Favorite app? Tidepool, developed by the visionary Howard Look, to revolutionize Type 1 diabetes management.
Q. If you had to live in another city, which would it be? Paris (again).
Q. Embarrassing work moment? Too many to list.
Q. Startup to watch? Elemeno Health, Inc.
Q. How do you unwind after work? Trail running, Peloton and family time.
Jonathan's profile was featured in #TheBridgeUpdate. Enjoying TheBridge Profiles? Sign up HERE for TheBridge Update.


text:
from typing import TYPE_CHECKING
from typing import Optional, Any, Iterable, Dict, Callable, Sequence, List
from .compat import Protocol, runtime_checkable

from thinc.api import Optimizer, Model

if TYPE_CHECKING:
    from .training import Example

@runtime_checkable
class TrainableComponent(Protocol):
    model: Any
    is_trainable: bool

    def update(
        self,
        examples: Iterable["Example"],
        *,
        drop: float = 0.0,
        sgd: Optional[Optimizer] = None,
        losses: Optional[Dict[str, float]] = None
    ) -> Dict[str, float]:
        ...

    def finish_update(self, sgd: Optimizer) -> None:
        ...

@runtime_checkable
class InitializableComponent(Protocol):
    def initialize(
        self,
        get_examples: Callable[[], Iterable["Example"]],
        nlp: Iterable["Example"],
        **kwargs: Any
    ):
        ...

@runtime_checkable
class ListenedToComponent(Protocol):
    model: Any
    listeners: Sequence[Model]
    listener_map: Dict[str, Sequence[Model]]
    listening_components: List[str]

    def add_listener(self, listener: Model, component_name: str) -> None:
        ...

    def remove_listener(self, listener: Model, component_name: str) -> bool:
        ...

    def find_listeners(self, component) -> None:
        ...


Martin had almost reached the point of no return. So how did we approach the situation differently?
Extensive review finds that thinking and memory skills are boosted by regular exercise.
How a simple knock at the door changed perceptions for Eileen.