text:
Q: I am not able to insert values into temporary table in a postgres function I have created a temporary table in PostgreSQL
create temporary table tempTable(
val int
)

I have another table newTable which has the following data:
val
5
6
0
8
7
0
9
2
0

But my function
create or replace function getval(
out valOut int
)
As $$
Begin
    insert into newTable values(5) returning inserted.val into tempTable
values(inserted.val);
End; $$
language plpgsql;

I am getting the following error:

ERROR:  "temptable" is not a known variable
LINE 6: ...to newTable values(5) returning inserted.val into tempTable ...

Can you please help me with this.
Thanks.

A: You can't specify a table name with returning.
In order to do that, you need to chain two CTEs:
with new_rows as (
  insert into newtable (val) values (5)
  returning *
)
insert into temptable (val)
select val
from new_rows;


A 71 year-old man presented for evaluation of head drop, dysphagia, and proximal limb weakness. He had been diagnosed with seronegative autoimmune myasthenia gravis locally with partial response to pyridostigmine. He had lid ptosis and mild facial weakness without ophthalmoparesis, neck flexor and extensor weakness, asymmetric scapular winging, and moderate limb-girdle pattern weakness without reflex or sensory abnormalities on his neurologic examination. There was no clinical myotonia.
Standard nerve conduction studies were normal. Two-hertz (Hz) repetitive stimulation of the ulnar and facial nerves showed no decrement at baseline and after one minute of exercise. Baseline and post-exertion repetitive stimulation of the accessory and peroneal nerves is shown in the figure below. The immediate post-exercise accessory compound muscle action potential (CMAP) is not shown as there was no repair. Needle EMG showed short-duration, low amplitude, polyphasic motor unit potentials with rapid recruitment diffusely with rare fibrillation potentials. Varying motor unit potentials were noted in the deltoid and tibialis anterior muscles.
Question 1: Can decrement be a finding in a primary myopathic process?
A1: Correct answer is a (yes).
Choice 1. There can be decrement on repetitive stimulation in primary myopathic or neurogenic disorders, although typically the decrement is less prominent than what is seen in neuromuscular junction disease. Up to 20% decrement has been reported on repetitive stimulation at baseline in myopathy, although some myopathies with associated neuromuscular transmission failure due to alteration in end-plate physiology can result in higher decrement values as seen in this case.
Rodriguez Cruz PM. Congenital myopathies with secondary neuromuscular transmission defects; a case report and review of the literature. Neuromuscul Disord 2014; 24: 1103-10.
Question 2: Which myopathy(ies) have been associated with a defect of neuromuscular transmission?
A2: Correct answer is d (Centronuclear myopathy).
Choice 4. The centronuclear myopathies are a histopathologically defined, heterogeneous group of myopathies that have been associated with post-synaptic neuromuscular transmission defects. Pathologic findings consist of prominent, centrally located nuclei in > 70% of muscle fibers. This patient had evidence of a myopathy on his triceps muscle biopsy with most fibers harboring central nuclei. Mutations most commonly associated with centronuclear pathology include MTM1 (myotubularin), DNM2 (dynamin-2), BIN-1 (amphyiphysin-2), and RYR-1 (ryanodine receptor), each with a variable age of symptom onset and severity, fatigability, significant decrement on repetitive nerve stimulation, and partial response to pyridostigmine and/or 3,4-diaminopyridine. Electron microscopy evaluation of muscle biopsies in affected individuals with these mutations have shown muscle end-plate and junctional fold abnormalities, which are postulated to variably affect neuromuscular transmission.
Robb et al. Impaired neuromuscular transmission and response to acetylcholinesterase inhibitors in centronuclear myopathies. Neuromuscul Disord 2011; 21 (6): 379-86.
Liewluck et al. Endplate structure and parameters of neuromuscular transmission in sporadic centronuclear myopathy associated with myasthenia. Neuromuscul Disord 2011; 21(6): 387-95.


Panikos Tembriotis' latest work, inventive and sarcastic, creates the conditions for a pleasurable lunge into the modern human's unconsciousness. His displayed sculptures impress at a very first glimpse. Naked humanistic bodies pose in various muscular positions, resembling motions of another type of animal.
At first sight, the effect seems both dazzling and fused. At a closer look, however, these figures appear as reflections of a modern human's psyche, which, having ignored the intellectual dimension of her/his existence, is consumed by various activities, unconsciously incited by an impulse to search for meaning. Paradoxically, the result is equally humorous, as it is sarcastic, since, in an attempt to affirm their superiority over the animal species, these hybrid bodies disclose aspects of their being, which demonstrate their apparent relationship to animals, one they sometimes ignore, and at other times, try significantly to conceal. In the end, what remains is nothing but an echoing absence of existential meaning, as might be the case for the contemporary individual.
As with much of Panikos Tembriotis' work, the issues of identity construction, individual consumption versus social happiness, superheroic idolatry, and the artist in relation to her/his political make-up, are engaged with here. Life-size mannequins adorned in wooden extensions of fruit, fish, and black crows, metamorphize into physically challenged skiers and roller bladders. Here, we have the merging of an animalistic innateness to survive and a contemporary paranoia of the artist/human to be super-human.
We could ski along with the alien/robotic-looking black mannequin with pink horns, and a spinal cord formed by, what looks like, two bloody egg-shaped hearts. Half skiing and half swimming, as the diver's fin worn on the left foot suggests. Or we could inflame the very 'foreigner'/mannequin/individual, who seems to be aloof about her/his own alterity, like the black crow, whose awkward site on the cross sculptures, makes it difficult for us to imagine that it could be ruled out from the tribe. It is necessary that it/she/he has a place in its identities and that they belong to the tribe.
As the title of Panikos Tembriotis' project of the last two years suggests, the hybrid tribe is not a utopian space, be it imaginary or three-dimensional, but a real topos of clans, animal, human and humanoid, in which we all live interdependently. We are hybrid in our identities and in the ways that we believe, think, behave and perform. For every other individual, community, country, that we come to touch, we give and take something from this cross-ing of civilizing stimulus.
Tembriotis' glossy and plastic kitsch dummies give off relevant propositions in the way that they make reference to their self-created distortions through a firm aura. If Tembriotis' film, Helen, commemorates some form of unification of fragmented communities, and My wife threw me out, honours a world in which alternative communities may develop from within a globalized era, Tribus Hyba celebrates physical and conscious alterities in a world growing more and more out of a three-dimensional space.
My wife threw me out is an installation performed for a week in Aglantzia, a small municipality in Nicosia, Cyprus. Armed with very basic amenities - food, water, electricity, clothes, a bed - this mobile 'home', a white caravan, 'secures' a place in a public square, and artist, Panikos Tembriotis, is there to perform this imagined, or not, refuge for seven days. Might it be the birth of a camping site? A 'homeless' man trying to start a temporary public life? An urban 'Berliner' unwilling to give up on the loss of the prospect of creating new communal life in a public square?
Positioning himself in a public square puts Panikos Tembriotis at both mental and physical challenges. An exposed fantasy and an exposing gesture of realization that something has to change. Inviting passers-by to respond or partake in whichever way they desire, Panikos Tembriotis, provokes us to lay a hand on a particularly current urgency - at least in many over-indulging, capitalist societies - to join with intimate strangers, if only for an endless moment. The 'collaborator' might be gracious but s/he could also be hostile. Implicit is the unpredictability of the 'community' being created, however, the artist takes responsibility for the eventful possibilities, which he allows to be created.
Is Panikos Tembriotis' performance-installation a tempting place where more and more people/artists, today, are looking to rest outside consumerism?
The stress induced by the gap created between consuming material and losing a sense of community spirit seems to be an inherent response to a post-globalized isolation. Is Tembriotis' performance a re-enactment of a 'other' life, promisingly simple, sensitizing, and fulfilling? In tune with the ambivalent title, the artist holds a photograph of Marilyn Monroe, engaging his audience by showing them a picture of the 'wife who threw him out'. This is not a morbid 'mass-produced' image of Andy Warhol's Monroe, but a small single photograph of a female icon, who is inimitable and priceless. Yet, the artist seems to suggest that Monroe is a treasure to be protected from an urban and industrial, corporate art market.
And so does this gesture leave him 'homeless' in return? Or is it a celebration of another possible world. Over a year ago, the man who lives without money, Irishman, Mark Boyle, parked his caravan from the organization Freecycle, on an organic farm in Bristol. He is the founder of the Freeconomy Community, an online organization of 17,000 members sustaining an alternative economy during the time of a global economic crisis. My wife threw me out addresses both a personal and a social crisis, where the two are not unrelated.
In 2002, Marina Abramovic took refuge in New York's, Sean Kelly Gallery, for twelve days. Without speaking or eating, in an oath of silence and fasting, if you will, Abramovic opened a ''private'' experience into the public, pushing, once again, the boundaries of what is uniquely human and humanizing. In the tradition of Performing art installation, where blurring the boundaries is necessary, Panikos Tembriotis agrees playfully to an open ended ideation with his audience in order to enhance a human relation engulfed in possibilities. Through performance, he establishes his own existence as an artist, via time and space. However, the installation itself explores the experience of an audience leaving space and time as object relations. Open-endingly, we may wonder, whether the 'visibility' of the performer's body is important? Must the artist be 'present'?
A narratological 15th century mural painting of the Christian parable, created by Leonardo da Vinci has found itself reincarnated in contemporary art. From Andy Warhol's The Last Supper cycle (1986) to Judy Chicago's The Dinner Party (1974-79), a subversive feminist iconic installation, the theme continues to excite and incite new interpretations.
The ritual meal of early Christianity, the 'agape' feast, was celebrated by each participant bringing his own food, bread and bloody wine, and eating it in a common room. Panikos Tembriotis' Last Supper, an installation completed between 2003-6, offers yet another version of this narrative. The setting of the last supper comes in variations. In a procession of a kitsch-inspired decorative-framed reproduced photo of a version of The Last Supper, Mary Magdalene is implicitly present, since the desired and desiring woman is being anticipated. The all-male tale remembers that it has forgotten a crucial counterpart: a female.
Tembriotis' installations shift, however, from 'still' representations, which make commentary on what's missing in the early Christian ceremony, to a collection of real and fresh cauliflowers, offering a new and simple vegetarian 'feast', to wax-figures/dummies resembling children's toys, to a decadent banquet, where bloody wine remains untouched, and, finally, The Last Supper, comes without the male bodies themselves. Twelve bright yellow raincoats hanging on a white wall behind an oblong wooden table dressed in a clean white tablecloth, with black loafers by them, suggest another reading of the 'supper'.
Notwithstanding the parody, we wonder whether the followers of Christ are protectors or need to be protected? While a female representation is absent here, it is questionable whether a disciple is, in any conventional way, being symbolized. Invisible as they are, their 'souls' are identical and identifiable in what they are not wearing. An allusion, perhaps, to our prime state of becoming beings. Once again, Tembriotis' subversive verve resides in the reconstruing of a historical narrative, in order to show how it is relevant today, precisely because cultural tales impact our own stories, and shape the way we relate to the world.
This film attempts to merge George Seferis' poem, Helen and Euripides' tragedy Helen, as well as the history of modern Cyprus in the wider historical context of Hellenism.
On the countenance of both Helen and Teucer, the visionary and timeless work of the two creators reminds us of the struggles of latter Hellenism, which are ultimately not awarded a fair dealing.
The film incorporates archival material with dramatized and abstract frames of Helen's and Teucers' journey, and relates the events of the Trojan war with those of the catastrophe of Asia Minor, the struggle of Freedom in Cyprus between 1955-59, the declaration of Independence in 1960, the conflict of the two communities, and the Turkish invasion. The film doesn't 'return' merely to the past but transports it to the present by making obvious how these affairs continue to have an effect on Cyprus today.
The bold reach of the director is a means by which to become problematised about the significance of the two texts in juxtaposition with the modern historical passage of Cyprus. How is it, in other words, that chronologically distant historical periods are comparable, if not because identities cross and re-congregate, therefore, making sameness unneeded and difference acknowledged.
From the far past to the very present and near future, communities have been building and collapsing. While the former Yugoslavia was ferociously dissected, and occupied Palestine continues to be brutally isolated and oppressed, there are, nevertheless, incidents of positive change, as for example, the unification of Berlin, current visions to create a single government to unite Afghanistan and Pakistan, and an ongoing plan to fully incorporate Hong Kong into China.
Identity continues to be a present day "problem". But is it? Whether we refer to human identity, that of the individual and her/his ethical inclinations, or ethnic identity, that pertaining to the community from which we develop social behaviours, ideologies, phobias, etc, the question of "who we are" is not uncomplicated, but is it a "problem" to be resolved or a condition to be traversed?
Divided communities with similar histories, and diverse religions which have, however, matured parallel in a world of cross-cultural identities determined by fluid mobilities, can provide us with new ways of living in a world beginning to disintegrate by global warming, growing hostile by anti-democratic right-wing extremist politics, and disappearing from over-consumption in an age when natural resources are depleting.


Preheat the oven to 180°C (350°F/Gas 4). Rub the capsicums with the oil and arrange on a baking tray. Roast in the oven for 20–30 minutes, or until their skins blister. Place the capsicums in a plastic bag and seal; the steam helps to loosen the skins. Peel the capsicums, discard the seeds, and cut into 1 cm (½ in) slices. Set aside for later use.
Meanwhile, place the chicken in a bowl with the garlic, lemon zest, harissa, smoked paprika and 3 tablespoons of olive oil. Season with the salt and pepper. Leave to marinate for at least 20 minutes.
Heat a large paella pan or frying pan over medium heat. Add the chicken and cook for 6–8 minutes, stirring often, until golden brown. Remove from the pan and set aside.
Return the pan to the heat, add a splash more oil if needed and cook the onion for 4–5 minutes. Add the saffron and cook for 1–2 minutes, or until fragrant. Add the rice and cook for 2–3 minutes, stirring often, until lightly toasted. Add the wine, stirring well, and cook until it has reduced slightly. Add the stock and bring to the boil.
Reduce the heat to a simmer and cook for 15–20 minutes, stirring often, until almost all the stock has been absorbed by the rice. Add the peas and reserved capsicum strips and cook for another 3–4 minutes. Stir well for the last 2–3 minutes, ensuring the peas cook through and the remaining stock is absorbed. Add more stock or water if necessary.
Taste for seasoning, then stir in the parsley and lemon-infused olive oil and serve.


text:
News : 80,000 Officers Vacancies In PSU Banks, Expected In Next 2 Years
Published on Tuesday, August 18, 2015 Tuesday, August 18, 2015
News : 80,000 Officers Vacancies In PSU Banks, Expected In Next 2 Years :
This is a very good news for all banking aspirants who are striving to get job in PSU Banks, this news which will put banking aspirants in their euphoria. It will invigorate their will like rising again from the ashes of phoenix. It is another opportunity which every aspirant wants to seize. So Guys fasten your seat belts and start your preparation to get your dream job with full throttle!
Around 80,000 vacancies are expected to open at top public sector banks in the country, including State Bank of India, as a large number of officers and staff will superannuate over the next two years.
As many as 78,800 employees will retire during the current fiscal and next fiscal, official sources said. During the current financial year, 39,756 employees are retiring. This includes 19,065 officers and 14,669 clerks, sources said.
Besides, 6,022 sub-staff would also get superannuated this fiscal year. About 39,000 employees would be retiring next fiscal. Of this, 18,506 officers and 14,458 clerks would retire from their service from various public sector banks.
There are 22 state-owned banks in India including SBI, IDBI Bank and Bharatiya Mahila Bank. Besides, there are five associate banks of SBI. Considering vast vacancy in the middle-level position, the government is planning to provide some flexibility in the recruitment.
The Finance Ministry is going to provide flexibility with regard to recruitment at the middle level. Currently, they can hire on contractual basis. Public sector banks undertake recruitment of staff to fill vacancies on ongoing basis as per their requirements depending upon business volume, business growth employee strength and retirement among others.
Last week, Finance Minister Arun Jaitley had said banks are extremely keen in campus recruitments, but there are legal difficulties. "The banks are extremely keen to do that (campus hiring)...there is now judgement of the Supreme Court which is not giving adequate flexibility to government banks how to do it and that is handicapped which the banks have flagged. We are examining the legal position. But as of today there is a legal impediments in that," he had said.
Source- The New Indian Express
Bank Jobs News

redpajama_set_name: RedPajamaCommonCrawl


text:
Chips, display makers must take next step in automation: Samsung exec
Jong Jun LEE
Looking ahead: Manufacturing Tech Conference
Samsung Display's Lee Jae-sun
"The semiconductor and display industries have achieved nearly 100% of automation in terms of process, and about 50% in terms of analysis," said Samsung Display's senior vice president Lee Jae-sun on Sept. 27, about a week ahead of the Oct. 8 Manufacturing Tech Conference to be co-hosted by The Elec and Byline Network.
Lee is one of the speakers at the event. He has developed automation software for 30 years since he first entered Samsung in 1989. Since 2010, he has been handling automation solutions for Samsung Display production lines and is currently the head of the firm's smart IT division.
Semiconductors and displays both use wafers and glass for their base substrates. It usually months for the wafers and glass to come back out after processing, meaning raising their yield rate is critical for chip and display makers.
"Manufacturing Execution System, indicating the system for analyzing the data to automatically locate the cause behind glitches, is the key to the automation of production lines," said Lee, adding that Samsung has been independently developing the system.
The system also helps iron out differences between engineers who in the past would engage in lengthy battles over who was responsible for whatever went wrong in the production process.
"This can help place more people on other pressing matters, such as developing new products and areas where the machine can't do everything," added Lee, pointing out that most chips and displays have short replacement cycles.
He also stressed that not every company can or should aim for the same level of smart factories, and that the priority should be placed on price competitiveness.
On Oct. 8, leading South Korean semiconductor and display manufacturers, along with technology companies from both home and abroad will gather together to share insight on smart factory and digital innovation on at L-Center in Southern Seoul.
The Elec is South Korea's No.1 tech news platform.
저작권자 © THE ELEC, Korea Electronics Industry Media 무단전재 및 재배포 금지
Jong Jun LEE 다른기사 보기


text:
Headline: Gangsta' Documentary Graphically Recounts History of L.A. Turf War
How many young lives would you guess have been claimed in gang-related warfare in Los Angeles over the past four decades? 100? 200? 500? Try 15,000 and counting. What makes a poor kid pick up a gun and shoot another poor kid for something as seemingly meaningless as a pair of sneakers or for passing through his neighborhood?
To get at the roots of such profound dysfunction, you really have dig rather deeply, as does director Stacy Peralta in Crips and Bloods: Made in America. Narrated by Forest Whitaker, this heartrending expose' opens with actual footage of gang-bangers being blown away in drive-bys and being left lying dead in the street.
Apparently, some of these demented killers are so proud of their slayings that they get a kick out of filming their dirty work so they can watch it later at their leisure. Obviously, this is a flick not to be taken on an empty stomach.
However, such sensational and sobering moments aside, the picture more importantly offers a serious discussion of exactly how the Crips and the Bloods came to be. It makes no bones about indicting a segregated L.A. culture which discouraged black boys from joining Cub Scout or Boy Scout troops located in lily-white communities, leaving the generally-fatherless African-American adolescents to fend for themselves in the ghetto.
And the folks from South Central interviewed here make it abundantly clear that the LAPD perceived all black males as criminals and thus saw it as their duty to keep them from ever crossing the invisible borders into white enclaves. Consequently, it was not unusual for a kid from the 'hood to go from the cradle to the grave without ever seeing the suburbs, the ocean at Malibu, the mansions in Beverly Hills, or other alternatives to the thug life.
According to former gang member Ron Wilkins, the Crips and the Bloods were originally formed as benign, street-front fraternities which offered rudderless youngsters a sense of status, family, power and acceptance in a world which was showing them little in the way of love. But they gradually morphed into felonious associations, since there weren't many legal outlets for all that unbridled testosterone.
The crack epidemic of the Eighties didn't help matters much, nor did the dwindling manufacturing base or an educational system way too willing to graduate functional illiterates. No wonder inhabitants of the 'hood exhibit the same level of post traumatic stress syndrome as people living in a war zone.
Before the curtain comes down on this daunting documentary, expect to well up while watching emotional tableaus of grieving mothers burying their babies at funerals and simply staring blankly into the camera with tears streaming down their pained faces. That's the tragic fallout of the gangsta lifestyle they never show in music videos.
Studio: Verso Entertainment
To see a trailer for Crips and Bloods, visit: http://www.youtube.com/watch?v=qN4pP-1NWoA


Children should not be in school before 8.50am, except for those given special permission because of difficult travel arrangements (or those attending Breakfast Club). The School can accept no legal responsibility for children on the premises prior to 8.50 am. When children arrive in School they should go straight to their classrooms. Those who have dinner at home should not return to School until 1.00pm. unless they are taking part in a specific school activity where they will be supervised by teachers.
Children should be picked up at 3.30 p.m (except when attending an after school activity). If a child is left for more than 30 minutes after this point and no contact has been received from the parents, then the School may need to ask Social Services to take charge of the children until the parents arrive.


Braemar Shipping Services plc (LSE: BMS), a leading international provider of broking, financial, consultancy, technical and logistics services to the shipping, marine, energy, offshore and insurance industries, is pleased to provide a trading update for the year ended 28 February 2019.
The Group's results for the second half of the year under review are in line with managements' expectations and the Board expects to report a full year underlying (before one-off and acquisition-related costs) profit before tax within the range of £6.8 to £7.2m.
The Shipbroking division has had a strong second half with full-year profits expected to be ahead of the market expectations for this division.
Braemar Naves is expected to deliver profits somewhat lower than the market forecast. However, the business has had an extremely active year and built an extensive and growing pipeline of mandated business and retainer income from both financial and shipping clients. This augers well for the coming year, and we believe the expectations at the time of acquisition will be exceeded.
The Group's Technical division continues to experience challenging conditions and the Board is working on a structural change.
The Logistics division, Cory Brothers, has traded robustly and is expected to deliver profits in line with market expectations.
Braemar believes that the outlook for the year ending 29 February 2020 is positive as the Shipbroking division continues to trade strongly, supported by performance in the Financial division as the extensive pipeline of business materialises.
Results for the year ended 28 February 2019 will be released on 14 May 2019.
For more information, including our investor presentations, click here.


text:
Vintage Pulp May 25 2021
It's pie for everyone in Girls Are for Loving.
Above you see a poster for Girls Are for Loving, which is a spy movie in which a sexy operative for hire is tapped by the CIA to foil a set of international baddies that want to disrupt Asia-U.S. trade negotiations. The movie is third in a series after 1971's Ginger and 1972's The Abductors, with Cheri Caffaro in the lead role of Ginger MacCallister, while Sheila Leighton is the head villain and Timothy Brown is the CIA's man on the spot. It's an action-sexploitation flick, but the international trade aspect, mid-level budget, and shooting locations in St. Thomas elevate it above what you'd expect.
But it isn't that elevated. Caffaro does some lingerie karate, some bikini karate, some hot pants karate, and some topless karate, while her backup Brown always shows up too late to help. Inevitably she's captured, and just as inevitably, she's stripped and molested. But you can't keep a good international spy down, even with ropes and the weight of a hairy, slobbering villain. In the end Caffaro gets the better of her foes, and she and sidekick Brown head off into the sunset smiling.
As sexploitation goes, this one is raunchier than most, and the fact that Caffaro was married to director Don Schain makes it even more eyebrow raising that he directed another man getting touchy feely with his wife's cherry pie. But on the other hand, you have to admire these spouses' commitment to art. We can imagine Schain's direction: "Suck her nipples. No, suck them. Really get them in your mouth. Great. Cheri, act like you enjoy it. Good. That's uh... actually quite convincing." As '70s action goes Girls Are for Loving isn't great, but as '70s sexploitation it's muff-see entertainment. It premiered in the U.S. today in 1973.
U.S. Virgin IslandsSt. ThomasGirls Are for LovingCheri CaffaroSheila LeightonTimothy BrownDon Schainposter artcinemasexploitationmovie review


Two vertical 'container farms' capable of producing natural crops which are more nutritious, have far bigger yields – and are ready to harvest in at least half the time – have been created by Nottingham Trent University.
The farms, thought to be the first of their kind in the UK and housed inside two converted shipping containers, use a variety of innovative and automated feeding and environmental control systems to create perfect growing conditions all year round.
Scientists in university's School of Animal, Rural and Environmental Sciences plan to use them for teaching and research – and to showcase the potential for 'precision agriculture' in a time of global challenges for food security and safety.
He said: "We believe that there is enormous potential for urban agriculture and '"vertical farming to meet these emerging challenges. Container farms have optimum growing conditions from germination right through to harvest. It is a hugely efficient and sustainable way of growing very fresh vegetables and some fruit all year round.
NTU is one of the largest UK universities. With nearly 32,000 students and more than 4,000 staff located across four campuses, the University contributes £900m to the UK economy every year. It is one of the UK's most environmentally friendly universities, containing some of the sector's most inspiring and efficient award-winning buildings. 96% of its graduates go on to employment or further education within six months of leaving.


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text:
Target-date funds feel more pressure on already low fees
Requests adding to woes of firms competing for shrinking market share
Robert Steyer
Matthew Gilson
Jeff Holt believes only the largest firms are not fighting to gain market share.
As target-date funds become more popular, prospective managers as well as existing managers are facing profit pressure from both peers and lower fee demands by sponsors.
"As the industry continues to mature, certain providers will say, 'Can we compete?'" said Jeff Holt, a Morningstar Inc. director and co-author of the firm's recently published analysis,"2019 Target-Date Fund Landscape."
"It's a struggle for providers to gain market share," said Mr. Holt, especially because three managers — Vanguard Group Inc., Fidelity Investments and T. Rowe Price Group Inc. — owned 69% of the mutual fund-based target-date series market last year.
Adding the next three managers — Capital Group Cos., J.P. Morgan Asset Management and TIAA-CREF — brings the combined market share to 87.4%. That means more than 30 other managers are fighting for the rest of the market. At year-end 2018, Morningstar reported the mutual fund target-date market had $1.09 trillion in assets.
Meanwhile, fees are falling as veteran managers add lower-cost options to their stable of target-date series. Last year, an estimated $57 billion in assets flowed into target-date funds with expense ratios of 20 basis points or less, the Morningstar report said. Target-date funds with expense ratios of 60 basis points or more suffered an estimated $37 billion in outflows.
So it's not surprising to Mr. Holt that some managers have acted accordingly. Between September 2018 and March 2019, five managers announced they were liquidating, merging or mapping their target-date strategies into other investment options. Three others eliminated target-date series in 2017.
Last year, only two mutual-funds target-date series were launched — Fidelity Freedom Blend, by Fidelity, which had seven target-date funds at year-end 2018, and MassMutual Select T. Rowe Price Retirement Funds, by Massachusetts Mutual Life Insurance Co., which had two. The MassMutual series uses T. Rowe Price to provide active management and tactical asset allocation.
Adding more target-date funds by existing managers contributed to the target-date series growth, according to Morningstar. "The providers appear less concerned about cannibalizing their own solutions compared to wanting to participate in the market," Mr. Holt said. In this case, participation often means offering a lower-cost target-date series.
For example, by year-end 2018, the Fidelity Freedom Blend series had a weighted average expense ratio of 44 basis points, lower than four of Fidelity's other target-date series last year, the Morningstar report said. The MassMutual Select T. Rowe Price Retirement Funds, had a weighted average expense ratio of 74 basis points, which is lower than the other MassMutual target-date series.
"When providers offer multiple target-date fund series, investors tend to choose the cheapest one," the Morningstar report said.
Inching up
From 2011 to 2018, the annual number of target-date managers dropped to 39 from 42. During that period, however, the number of target-date series inched up to 63 from 54, indicating that much of the action was coming from managers with multiple products.
Fidelity has the biggest target-date family, but Morningstar noted that T. Rowe Price, BlackRock Inc., John Hancock Life Insurance Co., Voya Financial Inc. and Great-West Life & Annuity Insurance Co. each had three target-date series at the end of 2018, giving sponsors and participants a variety of investment styles and fees.
Morningstar's research on mutual fund-based target-date series excludes custom target-date funds. It includes retirement and taxable accounts, although Morningstar doesn't identify asset percentages. It also incorporates individual as well as institutional ownership. Morningstar doesn't have a precise number, but Mr. Holt said institutional and retirement shares represent a majority of the assets tracked.
DC experts said the target-date market, especially in the retirement arena, can be challenging to enter and difficult to sustain. Because target-date funds play such a big role in qualified default investment alternatives, sponsors want managers with long track records because their QDIA assets are substantial.
When clients consider offering a target-date series, Callan LLC consultants generally look for a three-year track record for managers, said James Veneruso, a Summit, N.J.-based senior vice president and defined contribution consultant for Callan. "We don't want to put a client into something that would shut down in two years," he said.
To illustrate the role of target-date funds in DC plans, Mr. Veneruso pointed to the Callan DC index, which tracks 90 large sponsors with a total of $150 billion in assets. When offered, target-date finds account for 35% of a plan's assets on average.
"It's very difficult to break into this industry," said Winfield Evens, vice president for investments, solutions and strategies at Alight Solutions, Lincolnshire, Ill. The keys to a manager's initial success is at least a three-year track record and a client's willingness to offer the target-date series as a QDIA, he said.
New managers might have more success if they can convince sponsors that their target-date strategies differ from the rest of the pack. "It's tougher if you are offering me-too target-date funds," Mr. Evens said.
Dropouts explain why
Recent dropouts from the target-date marketplace cited strategic evaluations as reasons for their decisions, or they offered no comment.
A March 29 prospectus filed with the SEC noted that the 10 funds within the BMO Target Retirement series would be liquidated on June 28. Amanda Robinson, a BMO Financial Group spokeswoman, declined to comment. The BMO target-date family had assets of $332 million last year vs. $352 million in 2017, according to Morningstar.
A Feb. 28 prospectus from MainStay Funds Trust, a New York Life Insurance Co. unit, reported to the SEC that the six components of the MainStay Retirement series would be mapped into four MainStay asset allocation funds in mid-June.
"We believe our asset allocation funds align with the goals and our commitment to meeting our shareholders' needs," a New York Life spokeswoman wrote in an email. The target-date family had assets of $640 million last year vs. $763 million in 2017, according to the Morningstar report.
When Pacific Investment Management Co. LLC announced in November it would liquidate its actively managed RealPath target-date series, a spokeswoman said PIMCO "regularly evaluates all of our funds to ensure they meet the evolving needs of our clients." Cutting this target-series, which was liquidated Feb. 22, was based on a "rigorous evaluation," she said. The series had assets of $107 million at year-end 2018, according to Morningstar.
PIMCO's RealPath Blend target-date series was unaffected. It had $410 million in assets at year-end 2018, according to Morningstar.
In November, BlackRock took over a target-date series offered by State Farm Mutual Automobile Insurance Co., in a merger of funds. BlackRock had been the subadviser to the State Farm LifePath series, which used the same strategy as the BlackRock LifePath Index series, said Nick Nefouse, managing director, head of defined contribution investment and product strategy and co-head of BlackRock's LifePath target-date business.
According to Morningstar, the State Farm target-date series had approximately $7.3 billion in assets in October, three weeks before the merger. The 2018 year-end total for the BlackRock LifePath Index series was $26.9 billion.
"The merger of our former State Farm LifePath Funds with similar BlackRock versions was part of moving our entire fund complex to BlackRock by shareholder proxy, so it wasn't specific to our target-date offering," said State Farm spokeswoman Anna Bryant in an email. "This activity resulted in existing customers realizing lower costs in the form of decreased fund expenses, and was joined by a significant expansion of the number of mutual funds in which customers can invest."
In October and December, the Virtus Retirement Trust liquidated all of the funds in its Virtus DFA Target Date Retirement Income series. "We carefully evaluated multiple factors, including an assessment of each product's asset levels and market demand," Joe Fazzino, a spokesman for Virtus Investment Partners Inc., wrote in an email. Virtus "determined it would be in the best interest of fund shareholders to liquidate the funds. None were mapped to other funds."
According to Morningstar, the Virtus target-date series had of $17 million in assets in September.
The biggest players aren't immune from target-fund marketplace struggles. In December 2017, Fidelity liquidated its multimanager target-date series. The company's SEC filing gave no reason and a spokesman declined to comment. However, also in 2017, the company introduced the new Fidelity Flex Freedom target-date series.
Industry aims to build on things that already work
Tackling the issue of lifetime income
DC plans still slow on moving alts into lineups
Online providers filling a void for small-employer 401(k)s
Fidelity lowers fees on index target-date funds
Sponsored Content: Comfortable With the Uncomfortable


text:
When Food Grows in the Middle of the City
The EdiCitNet project promotes local and sustainable food production in cities
In the project "EdiCitNet," individual concepts are developed to produce food locally and sustainably in different cities.
Image Credit: Pixabay License
Cities like Rotterdam or the Rhineland-Palatinate town of Andernach are setting an example – and Berlin has also put the local and sustainable production of food in the city on its agenda. Under the heading "Edible City," over 200 initiatives now exist in Rotterdam. "The best known initiative is certainly Rotterzwam: a company that cultivates mushrooms in an old swimming pool on coffee grounds and sells them to local restaurateurs," says Ina Säumel. The researcher at the Integrative Research Institute on Transformations of Human-Environment Systems (IRI THESys) at Humboldt-Universität zu Berlin has been working on the concept of "edible cities" for a long time, most recently for several years at Technische Universität Berlin, where she continues to supervise projects on the subject.
"Together with various partners, we are trying to pool the existing knowledge about individual local food production projects in a network." Ina Säumel
Since the end of 2018, Ina Säumel has headed the project EdiCitNet (Integrating Edible City Solutions for Social Resilient and Sustainably Productive Cities). The objective of the project is to develop individual concepts to produce food locally and sustainably in different cities. "Together with various partners, we are trying to pool the existing knowledge about individual local food production projects in a network, analyze it, and compile it on a digital platform for all interested parties," explains Ina Säumel.
The project arose from the collaboration between Säumel, who holds a doctorate in biology and geography, and Jörg Niewöhner, a professor of human-environment relations at the Institute of European Ethnology of Humboldt-Universität zu Berlin. Cooperation between the natural and social sciences aims to combine the different ways of thinking and create new synergies for the concrete implementation of projects. Ina Säumel and her interdisciplinary team have brought 35 partners together for this purpose. They include 13 cities, various scientific institutions, nongovernmental organizations (NGOs), and small and medium-sized enterprises with a great deal of expertise in the sector. Among the cities, there are metropolises like Oslo, Rotterdam, Havana, Montevideo, Lomé, and Berlin as well as smaller cities like Andernach, Sant Feliu de Llobregat in Catalonia, or Šempeter pri Gorici in Slovenia.
Is this edible? Project manager Dr. Ina Säumel explains the concept of EdiCitNet to the participants of a workshop in Berlin's Prinzessinnengarten.
Image Credit: EdiCitNet
"By autumn 2019, five of the partner cities in which edible city projects already exist will have established so-called Living Labs," explains Ina Säumel. The task of these real-world laboratories is the concrete implementation of individual projects, which are planned in so-called City Teams.
With the help of the scientific coordinators, these City Teams aim to bring together representatives of the relevant stakeholders and interest groups of the respective city, such as the city administration, companies, citizens' initiatives, and scientists. "The City Team concept is very simple," explains Ina Säumel. "They are structured like a soccer team: it takes strikers, captains and defenders, managers and coaches to effectively implement concrete projects."
Each City Team consists of around eleven key players and various consultants who jointly develop the Living Lab. In addition, there will be meetings with other City Teams to exchange information. All the information will later be provided on a digital information platform, the EdiCitNet Tool Box.
"In the Living Labs, concrete projects can be implemented and structural underlying conditions can be amended." Ina Säumel
Dr. Ina Säumel, who heads the project EdiCitNet, has worked at Technische Universität Berlin and is now working at Humboldt-Universität on the edible city.
Image Credit: RuralFutures
Andernach, which has already started advertising with the slogan "The Edible City," has decided, for example, to use a specific area as an urban garden. This area is to be cultivated by local kindergartens, schools, refugee homes, and other initiatives. The harvested products are processed in the canteens of the participating facilities.
"In the Living Labs, concrete projects can be implemented and structural underlying conditions can be amended, as in the example of Rotterdam," Ina Säumel points out. In the Dutch city, measures are to be developed to pool the 200 local initiatives in an umbrella organization and thus ensure their long-term economic survival. A handbook will be drawn up based on the experiences gained from successful initiatives. "The handbook will answer questions such as: What funding measures are there for the edible city? What must be taken into account when approving products for marketing? How can a product be labeled as a Rotterdam product?" clarifies Ina Säumel.
In the Laboratory for Organic Trace Analysis and Natural Substances at the Institute for Ecology, students of Technische Universität Berlin analyze the ingredients of food grown within the framework of the project.
Image Credit: Paul Fiedler
In their City Teams, the eight other partner cities develop concepts about structures that need to be created in order to implement tangible projects. In Berlin, for example, it was possible to bring together all the important Senate Departments for the City Teams, NGOs such as the Mundraub online platform for the discovery and use of edible landscapes, the engineering firm Nolde & Partner for innovative water concepts, and the Roof Water-Farm project for precipitation management.
Questions of governance and participation are also evaluated by the scientific community. Together with scientists from the Laboratory for Organic Trace Analysis and Natural Substances of the Institute for Ecology of Technische Universität Berlin, which is headed by chemistry doctorate Thi Lam Huong Pham, the organic pollutant load in vegetables and fruit growing in our cities is being investigated. In the study project, "How healthy is the edible city? Investigation of Organic Pollutants in Products of Urban Gardens," students of the Ecology and Environmental Planning course at Technische Universität Berlin take a close look at the products of the EdiCitNet cities. "This is how we successfully connect our research and university teaching," explains Ina Säumel. "Students deal with the actors of the edible cities, identify barriers and obstacles to their implementation, and work with analytical methods of organic chemistry."
Katharina Jung
EdiCitNet
The project is located in the Integrative Research Institute on Transformations of Human-Environment Systems (IRI THESys) of Humboldt-Universität zu Berlin. The European Commission is funding "EdiCitNet" with around 12 million euros over the next five years. The Berlin partners, the Senate Department for Urban Development and Housing, Technische Universität Berlin, Humboldt-Universität zu Berlin (IRI THESys), Mundraub, and Nolde & Partner will receive around 3.8 million euros of the total funding amount.
Edible Cities Network
EdiCitNet at Horizon 2020 website
sustainability/environment


text:
package adf.sample.centralized;

import adf.agent.action.Action;
import adf.agent.action.common.ActionMove;
import adf.agent.action.common.ActionRest;
import adf.agent.communication.MessageManager;
import adf.agent.communication.standard.bundle.centralized.CommandPolice;
import adf.agent.communication.standard.bundle.centralized.MessageReport;
import adf.agent.develop.DevelopData;
import adf.agent.info.AgentInfo;
import adf.agent.info.ScenarioInfo;
import adf.agent.info.WorldInfo;
import adf.agent.module.ModuleManager;
import adf.agent.precompute.PrecomputeData;
import adf.component.centralized.CommandExecutor;
import adf.component.extaction.ExtAction;
import adf.component.module.algorithm.PathPlanning;
import rescuecore2.standard.entities.*;
import rescuecore2.worldmodel.EntityID;

import java.util.List;
import java.util.Objects;

import static rescuecore2.standard.entities.StandardEntityURN.BLOCKADE;
import static rescuecore2.standard.entities.StandardEntityURN.REFUGE;

public class CommandExecutorPolice extends CommandExecutor<CommandPolice> {
    private static final int ACTION_UNKNOWN = -1;
    private static final int ACTION_REST = CommandPolice.ACTION_REST;
    private static final int ACTION_MOVE = CommandPolice.ACTION_MOVE;
    private static final int ACTION_CLEAR = CommandPolice.ACTION_CLEAR;
    private static final int ACTION_AUTONOMY = CommandPolice.ACTION_AUTONOMY;

    private int commandType;
    private EntityID target;
    private EntityID commanderID;

    private PathPlanning pathPlanning;

    private ExtAction actionExtClear;
    private ExtAction actionExtMove;

    public CommandExecutorPolice(AgentInfo ai, WorldInfo wi, ScenarioInfo si, ModuleManager moduleManager, DevelopData developData) {
        super(ai, wi, si, moduleManager, developData);
        this.commandType = ACTION_UNKNOWN;

        switch  (scenarioInfo.getMode()) {
            case PRECOMPUTATION_PHASE:
                this.pathPlanning = moduleManager.getModule("CommandExecutorPolice.PathPlanning", "adf.sample.module.algorithm.SamplePathPlanning");
                this.actionExtClear = moduleManager.getExtAction("CommandExecutorPolice.ActionExtClear", "adf.sample.extaction.ActionExtClear");
                this.actionExtMove = moduleManager.getExtAction("CommandExecutorPolice.ActionExtMove", "adf.sample.extaction.ActionExtMove");
                break;
            case PRECOMPUTED:
                this.pathPlanning = moduleManager.getModule("CommandExecutorPolice.PathPlanning", "adf.sample.module.algorithm.SamplePathPlanning");
                this.actionExtClear = moduleManager.getExtAction("CommandExecutorPolice.ActionExtClear", "adf.sample.extaction.ActionExtClear");
                this.actionExtMove = moduleManager.getExtAction("CommandExecutorPolice.ActionExtMove", "adf.sample.extaction.ActionExtMove");
                break;
            case NON_PRECOMPUTE:
                this.pathPlanning = moduleManager.getModule("CommandExecutorPolice.PathPlanning", "adf.sample.module.algorithm.SamplePathPlanning");
                this.actionExtClear = moduleManager.getExtAction("CommandExecutorPolice.ActionExtClear", "adf.sample.extaction.ActionExtClear");
                this.actionExtMove = moduleManager.getExtAction("CommandExecutorPolice.ActionExtMove", "adf.sample.extaction.ActionExtMove");
                break;
        }
    }

    @Override
    public CommandExecutor setCommand(CommandPolice command) {
        EntityID agentID = this.agentInfo.getID();
        if(command.isToIDDefined() && Objects.requireNonNull(command.getToID()).getValue() == agentID.getValue()) {
            this.commandType = command.getAction();
            this.target = command.getTargetID();
            this.commanderID = command.getSenderID();
        }
        return this;
    }

    public CommandExecutor precompute(PrecomputeData precomputeData) {
        super.precompute(precomputeData);
        if(this.getCountPrecompute() >= 2) {
            return this;
        }
        this.pathPlanning.precompute(precomputeData);
        this.actionExtClear.precompute(precomputeData);
        this.actionExtMove.precompute(precomputeData);
        return this;
    }

    public CommandExecutor resume(PrecomputeData precomputeData) {
        super.resume(precomputeData);
        if(this.getCountResume() >= 2) {
            return this;
        }
        this.pathPlanning.resume(precomputeData);
        this.actionExtClear.resume(precomputeData);
        this.actionExtMove.resume(precomputeData);
        return this;
    }

    public CommandExecutor preparate() {
        super.preparate();
        if(this.getCountPreparate() >= 2) {
            return this;
        }
        this.pathPlanning.preparate();
        this.actionExtClear.preparate();
        this.actionExtMove.preparate();
        return this;
    }

    public CommandExecutor updateInfo(MessageManager messageManager){
        super.updateInfo(messageManager);
        if(this.getCountUpdateInfo() >= 2) {
            return this;
        }
        this.pathPlanning.updateInfo(messageManager);
        this.actionExtClear.updateInfo(messageManager);
        this.actionExtMove.updateInfo(messageManager);

        if(this.isCommandCompleted()) {
            if(this.commandType != ACTION_UNKNOWN) {
                messageManager.addMessage(new MessageReport(true, true, false, this.commanderID));
                this.commandType = ACTION_UNKNOWN;
                this.target = null;
                this.commanderID = null;
            }
        }
        return this;
    }

    @Override
    public CommandExecutor calc() {
        this.result = null;
        EntityID position = this.agentInfo.getPosition();
        switch (this.commandType) {
            case ACTION_REST:
                if(this.target == null) {
                    if(worldInfo.getEntity(position).getStandardURN() != REFUGE) {
                        this.pathPlanning.setFrom(position);
                        this.pathPlanning.setDestination(this.worldInfo.getEntityIDsOfType(REFUGE));
                        List<EntityID> path = this.pathPlanning.calc().getResult();
                        if(path != null && path.size() > 0) {
                            Action action = this.actionExtClear.setTarget(path.get(path.size() - 1)).calc().getAction();
                            if(action == null) {
                                action = new ActionMove(path);
                            }
                            this.result = action;
                            return this;
                        }
                    }
                } else if (position.getValue() != this.target.getValue()) {
                    List<EntityID> path = this.pathPlanning.getResult(position, this.target);
                    if(path != null && path.size() > 0) {
                        Action action = this.actionExtClear.setTarget(path.get(path.size() - 1)).calc().getAction();
                        if(action == null) {
                            action = new ActionMove(path);
                        }
                        this.result = action;
                        return this;
                    }
                }
                this.result = new ActionRest();
                return this;
            case ACTION_MOVE:
                if(this.target != null) {
                    this.result = this.actionExtClear.setTarget(this.target).calc().getAction();
                }
                return this;
            case ACTION_CLEAR:
                if(this.target != null) {
                    this.result = this.actionExtClear.setTarget(this.target).calc().getAction();
                }
                return this;
            case ACTION_AUTONOMY:
                if(this.target == null) {
                    return this;
                }
                StandardEntity targetEntity = this.worldInfo.getEntity(this.target);
                if(targetEntity.getStandardURN() == REFUGE) {
                    PoliceForce agent = (PoliceForce) this.agentInfo.me();
                    if(agent.getDamage() > 0) {
                        if (position.getValue() != this.target.getValue()) {
                            List<EntityID> path = this.pathPlanning.getResult(position, this.target);
                            if(path != null && path.size() > 0) {
                                Action action = this.actionExtClear.setTarget(path.get(path.size() - 1)).calc().getAction();
                                if (action == null) {
                                    action = new ActionMove(path);
                                }
                                this.result = action;
                                return this;
                            }
                        }
                        this.result = new ActionRest();
                    } else {
                        this.result = this.actionExtClear.setTarget(this.target).calc().getAction();
                    }
                } else if (targetEntity instanceof Area) {
                    this.result = this.actionExtClear.setTarget(this.target).calc().getAction();
                    return this;
                }else if (targetEntity instanceof Human) {
                    Human h = (Human) targetEntity;
                    if((h.isHPDefined() && h.getHP() == 0)) {
                        return this;
                    }
                    if(h.isPositionDefined() && this.worldInfo.getPosition(h) instanceof Area) {
                        this.target = h.getPosition();
                        this.result = this.actionExtClear.setTarget(this.target).calc().getAction();
                    }
                } else if(targetEntity.getStandardURN() == BLOCKADE) {
                    Blockade blockade = (Blockade)targetEntity;
                    if(blockade.isPositionDefined()) {
                        this.target = blockade.getPosition();
                        this.result = this.actionExtClear.setTarget(this.target).calc().getAction();
                    }
                }
        }
        return this;
    }

    private boolean isCommandCompleted() {
        PoliceForce agent = (PoliceForce) this.agentInfo.me();
        switch (this.commandType) {
            case ACTION_REST:
                if(this.target == null) {
                    return (agent.getDamage() == 0);
                }
                if(this.worldInfo.getEntity(this.target).getStandardURN() == REFUGE) {
                    if (agent.getPosition().getValue() == this.target.getValue()) {
                        return (agent.getDamage() == 0);
                    }
                }
                return false;
            case ACTION_MOVE:
                return this.target == null || (this.agentInfo.getPosition().getValue() == this.target.getValue());
            case ACTION_CLEAR:
                if(this.target == null) {
                    return true;
                }
                StandardEntity entity = this.worldInfo.getEntity(this.target);
                if(entity instanceof Road) {
                    Road road = (Road)entity;
                    if(road.isBlockadesDefined()) {
                        return road.getBlockades().isEmpty();
                    }
                    if(this.agentInfo.getPosition().getValue() != this.target.getValue()) {
                        return false;
                    }
                }
                return true;
            case ACTION_AUTONOMY:
                if(this.target != null) {
                    StandardEntity targetEntity = this.worldInfo.getEntity(this.target);
                    if(targetEntity.getStandardURN() == REFUGE) {
                        this.commandType = agent.getDamage() > 0 ? ACTION_REST : ACTION_CLEAR;
                        return this.isCommandCompleted();
                    } else if (targetEntity instanceof Area) {
                        this.commandType = ACTION_CLEAR;
                        return this.isCommandCompleted();
                    }else if (targetEntity instanceof Human) {
                        Human h = (Human) targetEntity;
                        if((h.isHPDefined() && h.getHP() == 0)) {
                            return true;
                        }
                        if(h.isPositionDefined() && this.worldInfo.getPosition(h) instanceof Area) {
                            this.target = h.getPosition();
                            this.commandType = ACTION_CLEAR;
                            return this.isCommandCompleted();
                        }
                    } else if(targetEntity.getStandardURN() == BLOCKADE) {
                        Blockade blockade = (Blockade)targetEntity;
                        if(blockade.isPositionDefined()) {
                            this.target = blockade.getPosition();
                            this.commandType = ACTION_CLEAR;
                            return this.isCommandCompleted();
                        }
                    }
                }
                return true;
        }
        return true;
    }
}

redpajama_set_name: RedPajamaGithub


Over the past year and a half, I've spent so many hours immersing myself in resources related to body positivity, plus-size fashion, fat activism, and tons of bold, game-changing influencers. Not only has this immersion been a HUGE contributing factor to my education and growth, it's also completely shifted my own perception of beauty and self-appreciation. One of the best pieces of advice I can give someone seeking self-love/acceptance, is to immerse yourself with REPRESENTATION. Surround yourself with visual resources teaching you new perceptions and highlighting people/events/news that break barriers. Change your social media feed, read books centered around self-love, listen to news stories of people changing lives, visually SEE confident and kind people who look like you (or especially those who don't look like you).
Today, I wanted to highlight a woman who has been a massive influence in my life and so many others. So without further ado…meet Brianna McDonnell the creator of The B Word Blog and the #BEinyourskin Campaign.
But seriously…are ya'll seein' this?? She kills the ENTIRE game.
The campaign is a now annual month-long self-love social media event, created to help followers improve their self-esteem, take chances, and holistically celebrate their uniqueness. For me, Brianna has quickly become one of the first people to really provide representation of a fashion-forward plus woman with genuine confidence. Her blog and shared content has really changed the way I personally look at fashion and beauty. She's bold, confident, passionate, and a complete visionary. Being a fellow blogger, this woman has completely blown me away with her dedication and pure heart put into everything she touches. After receiving requests to share information about influencers who have inspired me directly, The B Word is most definitely one of the first babes that comes to mind.
Follow her. Read her content. Witness a strong, confident plus woman. Be inspired by her bold decision to be the representation our young women desperately need to see.


There are several reason to decide where is a good place to stay. Everyone have their own reason to choose favorite place called home. A town house is an alternative for them who need feel save and secure as main priority. With a guard stand by at 24 hours make a town house concept have their own fan as good place to live. This is the most advantage by choose town house as place to stay.
Art deco is a design style, not only in architecture, it's include interior, furniture, jewel craft, sculpture, dance, theatre, movie, etc. Art deco style is booming on 1920 until 1939. Details used by art deco style is modern design style after victorian era. The most historical art deco design style is "The Chrysler", high rise building on New York.
Why do you need Architect Service?
Have a comfort house is a dream by most people. We have different perception on it. There are so many architecture style which is every person have different favorites each self. Because of this property developer always have different strategy include make what's market want to sell their housing property.
Jogja Architect service by setyabudi architect.
Architecture service of house / home design, interior design, exterior and building contractor for region Jogjakarta, Jogja, Yogyakarta, Jakarta, Bandung, Semarang, Surabaya, and all region in Indonesia.


Recent studies show that D-ribose, the only ingredient in Ribose from Bio-Synergy, may help improve your performance, especially in endurance sports that deplete your energy reserves.
D-ribose, a naturally occurring carbohydrate, is the molecule that stores and provides the energy required for all kinds of activities – whether you're running an errand or a marathon.
The main benefit of Ribose is in the production of ATP, which is an essential form of energy within the body, which could give you a higher tolerance of exercise. It's also been shown to help improve overall physical function and even help fight off chronic fatigue syndrome.
According to research, D-ribose supplements help speed up your energy recovery and increase energy reserves in your muscle tissues. But what is D-ribose? It's a naturally occurring sugar that starts the process of ATP (adenosine triphosphate) production, which is used to transfer energy around the body. Without it, you would simply be unable to do anything.
More to the point, your body tries to keep its ATP stores topped up, so that you're ready to perform physical activities. But recent research shows that the supply of ATP molecules is reduced after exercise, especially prolonged workouts, and can become a performance-limiting factor. Crucially, this could also increase the time of post-exercise recovery.
Bio-Synergy Ribose can bypass this process, helping your body to quickly re-build cellular ATP and returning muscle energy levels to where they should be. To put it simply, greater ATP generation leads to more efficient energy production during exercise.
Ribose® has been the subject of numerous studies, that have been peer reviewed.
IS RIBOSE® RIGHT FOR YOU?
If you're an endurance athlete and want to improve your performance, then yes it is. Our capsules could improve your stamina and help your energy levels return faster than they normally would.
We've got you covered with a wide range of other performance products, including our pre-workout and energy powders such as Insanity, BCAA Powder, Matcha Green Tea Powder, Activeman Oatein, Power Beet® and many others.
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D-Ribose, Gelatin (Capsule Shell), Magnesium Stearate.
Take two capsules, three times a day at regular intervals with water. Do not exceed recommended daily dose.
"I have ME and find that this does help with my energy levels in some way during the day as I feel if I didn't take it I would be much tireder than I am. S.Grace"


text:
Biografia
Nasce a Vigo in Galizia; sua madre, Carmela Silva, è senatrice al parlamento spagnolo per il PSOE.

Caratteristiche tecniche
Mancino naturale è dotato di buone attitudini offensive e velocità. Nasce centrocampista laterale di destra, ma può giocare anche come trequartista, ala o seconda punta, che è il ruolo più consono alle sue caratteristiche. Dispone inoltre di grande intelligenza tattica il che gli permette di poter impostare la manovra offensiva effettuando dei cross precisi verso l'area di rigore, oltre a essere bravo nei movimenti senza palla. Falque è dotato di un'ottima tecnica che gli permette di saltare il diretto avversario grazie al caratteristico doppio passo.

Carriera

Club

Gli inizi
Cresce nella cantera del Barcellona, ma non viene mai aggregato né alla prima squadra di Frank Rijkaard, né alla formazione B di Luis Enrique. Sfrutta questo per ottenere la "carta di libertà", che gli permette di passare a parametro zero alla Juventus il 30 agosto 2008. L'accordo tra le due squadre prevede il versamento di un indennizzo al club blaugrana, 2,5 milioni di euro, nel caso in cui raggiunga determinati obiettivi individuali o di squadra nel corso della durata contrattuale. Il 2 settembre firma un contratto quadriennale. Il 6 dicembre arriva la prima convocazione in prima squadra, in occasione della partita contro il Lecce, valevole per la quindicesima giornata di Serie A.

Il 25 agosto 2009 viene ceduto con la formula del prestito secco con premio per la valorizzazione al , neopromosso in Serie A. Dopo aver giocato il girone d'andata nella Primavera dei pugliesi, senza scendere in campo con la prima squadra, il 15 gennaio 2010 ritorna alla Juventus.

Il 29 luglio 2010 si trasferisce nel Villarreal B con la formula del prestito con diritto di riscatto che, al termine della stagione, non viene esercitato.

Tottenham e vari prestiti
Il 25 agosto 2011 si trasferisce in prestito per una stagione al Tottenham. Il 16 gennaio 2012 la Juventus comunica la cessione a titolo definitivo del giocatore per € 1 milione (di cui  ai Blaugrana). Il 17 gennaio viene girato subito in prestito al Southampton. Ha fatto il suo debutto con la maglia del Southampton sette giorni più tardi, nella sconfitta per 0-2 in casa contro il Leicester City. Quella è stata l'unica partita da lui giocata coi Saints.

Terminato il prestito torna agli Spurs, con cui il 9 dicembre ha giocato la sua unica partita di Premier League (finita 1-2 per gli avversari) nei cinque minuti finali contro l'Everton al posto di Jermain Defoe, visto che il 23 gennaio 2013 viene ceduto in prestito all'Almería fino al termine della stagione, debuttando per gli andalusi il 4 febbraio contro il Real Madrid Castilla. Al club lui ha dato il suo contributo per fare sì che tornasse in Liga.

Rientrato nuovamente a Londra, per la stagione successiva viene ceduto ancora in prestito. Il 24 agosto 2013 si trasferisce infatti a Madrid tra le file del Rayo Vallecano, dove colleziona 28 presenze e 3 gol nella Liga. Ha debuttato sei giorni più tardi nella sconfitta per 2-1 in casa contro il Levante. Nel febbraio 2014, Falque ha segnato il suo primo gol per il Rayo, in una vittoria per 4-1 contro il Málaga.

Genoa
Il 1º agosto 2014 viene acquistato a titolo definitivo dal Genoa. Gioca la sua prima partita ufficiale con la maglia rossoblù il 24 agosto nella gara in trasferta, valevole per il terzo turno preliminare della Coppa Italia, vinta 1-0 contro il Lanciano. Dopo essere riuscito ad entrare negli schemi di mister Gasperini, il 2 novembre, alla sua prima partita da titolare in maglia rossoblù, segna la sua prima rete in Serie A siglando il momentaneo 2-1 per il Genoa nella vittoria per 4-2 della squadra ligure allo Stadio Friuli sull'Udinese. Il 24 febbraio 2015 firma il momentaneo vantaggio del Genoa nel Derby della Lanterna, finito poi 1-1. Il 29 aprile 2015 segna il suo decimo gol stagionale siglando su rigore il definitivo 3-1 per il Genoa contro il Milan, contribuendo così a riportare la squadra rossoblù ad una vittoria che contro i rossoneri al Meazza non arrivava dal 1958. L'11 maggio 2015 sigla la sua 11ª rete stagionale, nella partita contro il Torino vinta 5-1 dai liguri. Nel successivo incontro di campionato, fuori casa contro l'Atalanta (1-4 per il Genoa il risultato finale), segna la sua prima doppietta in serie A e sale a quota 13 in campionato.

Roma
Il 1º luglio 2015 si trasferisce a titolo temporaneo alla Roma per 1 milione di euro con obbligo di riscatto alla prima presenza ufficiale per 7 milioni più 1 milione di bonus legato al raggiungimento di determinati obiettivi sportivi. Il 22 agosto fa il suo debutto ufficiale, subentrando al 66º minuto a Mohamed Salah nel match pareggiato 1-1 contro l'Hellas Verona. Il 12 settembre 2015 trova il primo gol in giallorosso contro il Frosinone, sbloccando il risultato nella vittoria per 2-0 sui ciociari. Il 20 ottobre trova il suo primo gol in Champions League contro il Bayer Leverkusen, match terminato 4-4. Termina la sua esperienza nella Roma disputando in totale 27 gare e marcando 3 reti. Nella sua esperienza romana ha trovato meno spazio a partire da gennaio, mese in cui si è insediato sulla panchina dei giallorossi Luciano Spalletti.

Torino
Il 18 luglio 2016 viene ufficializzato il suo passaggio al Torino insieme al compagno Adem Ljajić. Il trasferimento a Torino avviene a titolo temporaneo con diritto di riscatto. Sceglie la maglia numero 14. Segna il suo primo gol nel Toro nella sconfitta per 2-1 contro l'Atalanta l'11 settembre 2016. Il 25 settembre 2016 segna una doppietta nella vittoria per 3-1 contro la Roma, sua ex-squadra, allo stadio Olimpico Grande Torino. Il 4 gennaio 2017 viene ufficializzato l'acquisto a titolo definitivo da parte del Torino per la cifra di 6 milioni nell'operazione che porta Iturbe a vestire la maglia granata. Il 12 febbraio 2017 segna la sua decima rete in campionato nella vittoria interna col Pescara per 5-3; termina la sua prima stagione in granata con 12 gol e 8 assist in Serie A.

Nella stagione 2017-2018 conferma il buon rendimento in maglia granata e - al termine del girone d'andata - è il capocannoniere e trascinatore del Torino con 7 reti in 19 partite, tra cui il gol a San Siro contro l'Inter del 5 novembre 2017 nel pareggio esterno per 1-1. Il 6 gennaio 2018, in occasione della prima giornata del girone di ritorno del campionato e del contestuale debutto del nuovo allenatore Walter Mazzarri sulla panchina del Toro, sigla la rete del 3-0 nella vittoria interna contro il Bologna. In occasione della 30ª giornata segna la sua decima rete in campionato nella trasferta di Cagliari, vinta per 4 reti a 0 dai granata. Al termine della stagione è il capocannoniere della squadra con 12 reti e 8 assist in Serie A.

Il 21 ottobre 2018 segna il suo primo gol della sua terza stagione in granata nel pareggio esterno (2-2) contro il Bologna. Il campionato di Iago è tuttavia condizionato dagli infortuni e da un modulo - il solido 3-5-2 dei piemontesi - che non ne esalta le caratteristiche; termina il torneo con 6 reti all'attivo, raggiungendo la quota di 100 presenze con la maglia del Torino in occasione della trasferta del Franchi.

Nell'estate del 2019 smette il numero 14 per vestire la casacca numero 10 e fa il suo debutto con la maglia granata in Europa in occasione del turno preliminare di Europa League contro il Debrecen (3-0). Tuttavia trova poco spazio in stagione disputando solo 4 gare in Serie A.

Prestiti a Genoa e Benevento
Il 30 gennaio 2020 fa ritorno (in prestito) al Genoa. Sceglie di indossare la maglia numero 10. Fa il suo secondo esordio in maglia rossoblu il 23 febbraio, in occasione della sconfitta casalinga contro la .

Il primo gol lo realizza il 23 giugno nella sconfitta per 1-4 contro il Parma, segnando su rigore l'unico gol dei genoani. Si ripeterà nella sfida successiva contro il , siglando il gol del 2-1 che darà il via alla rimonta dei rossoblu. A fine stagione, però, il Genoa decide di non riscattarlo e il centrocampista fa quindi ritorno a Torino.

Il 29 settembre 2020 viene ceduto in prestito al neopromosso . L'esordio con i campani avviene il 4 ottobre seguente, in occasione della partita interna col Bologna, vinta per 1-0. Il primo gol arriva il 17 gennaio 2021, siglando il gol della bandiera nella sconfitta in casa del Crotone per 4-1.

Rientrato al Torino a fine stagione, il 31 agosto 2021 rescinde il proprio contratto con il club piemontese.

Nazionale
Ha partecipato con la Spagna Under-17 al campionato europeo di categoria nel 2007. Gioca le 5 gare del torneo fino alla finale, diventando il capocannoniere della squadra, a pari merito con Bojan Krkić, grazie alle due reti messe a segno contro Francia e Ucraina nella fase a gruppi, e vincendo la competizione battendo l'Inghilterra in finale. Grazie a questa vittoria la rappresentativa spagnola si qualifica al campionato mondiale di calcio Under-17 del 2007. Nella competizione mondiale gioca le 7 gare che portano la Spagna fino alla finale contro la Nigeria, persa 3-0 solo ai rigori, realizzando una rete contro la Corea agli ottavi.

Il 28 dicembre 2008 scende in campo con la rappresentativa galiziana maggiore (non riconosciuta da UEFA e FIFA) in un'amichevole contro l'Iran. Nell'autunno 2009 partecipa con la selezione spagnola Under-20 al Mondiale di categoria, disputando il secondo tempo della gara contro il Venezuela.

Statistiche

Presenze e reti nei club
Statistiche aggiornate al 24 gennaio 2022.

Cronologia presenze e reti in nazionale

Palmarès

Club

Competizioni giovanili

Juventus: 2009, 2010

Nazionale

Competizioni giovanili

 Belgio 2007

Note

Altri progetti

Collegamenti esterni

redpajama_set_name: RedPajamaWikipedia


text:
Home » VGX-100 identified as potential therapy for improving corneal graft survival
VGX-100 identified as potential therapy for improving corneal graft survival
Circadian Technologies has published data in Investigative Ophthalmology & Visual Science (IOVS) showing that VEGF-C expression is markedly up-regulated in corneal graft rejection. The data also showed that VEGF-C blockade, through administration of Circadian's lead development candidate VGX-100, a human antibody against VEGF-C, significantly improved corneal graft survival in an animal model. The data indicates a new therapeutic opportunity for VGX-100 to improve corneal graft survival.
While most corneal grafts take very well, it is estimated that between 10% and 30% of grafts will be rejected within six to 12 months, particularly in "at-risk" patients who have a highly vascularized eye bed or in whom a graft has previously failed. The study, which was led by Professor Reza Dana and Dr Amir R. Hajrasouliha of the Schepens Eye Research Institute, Harvard Medical School department of ophthalmology, showed that VEGF-C was markedly up-regulated in rejected corneas and that administration of VGX-100 was able to significantly improve corneal graft survival.
"Corneal grafting can have enormously positive results for patients who may otherwise become blind. While grafting success has improved significantly over the past 20 years, there are still a large number of grafts which continue to fail," said Dana, senior author of the study. "Our findings demonstrating that VEGF-C is up-regulated in graft failure and that blockade of VEGF-C could significantly improve graft survival and identify VEGF-C blockade as an exciting new therapeutic possibility for improving corneal graft survival."
Cicadian Technologies is currently undertaking additional preclinical studies with VGX-100 in the corneal grafting setting with the aim to commence clinical trials in 2013.
United States Clinical Intelligence


text:
Action Needed amid Increased Rape, Teenage Pregnancies in South Africa: Catholic Entity
The logo of the Catholic Institute of Education (CIE). Credit: Catholic Institute of Education (CIE)
Johannesburg, 28 August, 2021 / 10:00 pm (ACI Africa).
Reports of increased cases of rape and teenage pregnancies in South Africa are a cause for concern for officials of the Catholic Institute of Education (CIE) who are calling for an "urgent response" to address the crisis.
Last week, a member of the Executive Council of the country's Gauteng Province, Nomathemba Mokgethi, reported that the provincial Health Department had recorded more than 23,000 teenage pregnancies with 934 girls aged 10 and 14 giving birth between April 2020 and March 2021.
Separately, South Africa's Minister of Police, Bheki Cele, announced that that 10,006 cases of rape were registered between April and June 2021, a 72.4 percent increase compared to the same period in 2020.
"An urgent response is needed to both these issues," CIE officials say in a Thursday, August 26 statement.
They add referencing the Gauteng and national data, "These two sets of statistics can be linked. What we are seeing in teenage pregnancy in Gauteng and the national rape statistics is exactly what was warned about – that lockdown would see increased abuse."
"This begs the question – how many of the 23,000 girls were abused or raped?" they pose, and add that the majority of the recorded cases "would be statutory rape according to South African law."
In order to address the situation, CIE officials say they have "alerted school leaders and Child Safeguarding Persons to the possibility of increased abuse."
"However, there are inadequate numbers of social workers and social support," they say and add, "What is not addressed is, how are we as families and communities, forming boys and young men in attitudes and behavior."
They continue, "Do girls have the correct information, not only to understand their own sexuality but also where to seek help when abused?"
Despite the challenges, officials of the Catholic entity in South Africa say they are "currently developing a sexuality program for Catholic schools and will continue to implement the Catholic Board of Educations' Child safeguarding Policy in order to keep God's children safe."
Last year, at the height of increased cases of femicide and Gender-Based violence in the country, Catholic Bishops called for a change of approach in tackling these issues and proposed "an "aggressive and holistic approach."
"We are calling for a process of rethinking the approach to gender-based violence and femicide, drawing parallels from the response to the COVID-19 pandemic that witnessed the involvement of government departments, business sector, civil society and ordinary citizens in their efforts to flatten the infection curve," members of the Southern African Catholic Bishops' Conference (SACBC) said in June 2020.
They explained that the need for the "aggressive and holistic approach is guided by the fact that the government identified gender-based violence as one of the most defining public health, social and human rights issues that confront and affect the country today."
Catholic Entity,
Catholic Institute of Education (CIE),
ACI Africa,
Rape,
Teenage Pregnancies,
SACBC,
South Africa Declares COVID-19 National Disaster, Church Limits Mass to 100
Following the declaration by South Africa's President, Cyril Ramaphosa that COVID-19 is a national disaster in the country, the first declaration of...
"I look forward to working with everybody": Archbishop-elect of Bloemfontein, South Africa
The Archbishop-elect of South Africa's Bloemfontein Archdiocese is looking forward to a collaborative ministry with the people of God who...
Church Leaders in South Africa Urge Use of WhatsApp to Fight Gender-Based Violence
In South Africa where COVID-19 restrictions have plunged the country into various crimes including police brutalities and a rise in...


text:
Q: Reorder column names in R by arbitrary specified order
Possible Duplicate:
How to sort a dataframe by column(s) in R

Here is the dataset:
odervect <- c("xaf", "c3a", "c3b", "ka101","jk12", "cd101", "kl01v", "klm1")
odervect
[1] "xaf" "c3a"   "c3b"   "ka101" "jk12"  "cd101" "kl01v" "klm1"

dfd <- data.frame(ka101 = 101:110,c3a = 1:10, kl01v = 301:310, xaf = 11:20,
    c3b = 41:50, cd101 = 61:70)

 dfd

   ka101 c3a kl01v xaf c3b cd101
1    101   1   301  11  41    61
2    102   2   302  12  42    62
3    103   3   303  13  43    63
4    104   4   304  14  44    64
5    105   5   305  15  45    65
6    106   6   306  16  46    66
7    107   7   307  17  47    67
8    108   8   308  18  48    68
9    109   9   309  19  49    69
10   110  10   310  20  50    70

Desired output:
 dfd1 <- data.frame(xaf = 11:20, c3a = 1:10, c3b = 41:50,ka101 = 101:110, cd101 = 61:70,
     ka101v = 301:310)
    dfd1
        xaf c3a c3b ka101 cd101 ka101v
1   11   1  41   101    61    301
2   12   2  42   102    62    302
3   13   3  43   103    63    303
4   14   4  44   104    64    304
5   15   5  45   105    65    305
6   16   6  46   106    66    306
7   17   7  47   107    67    307
8   18   8  48   108    68    308
9   19   9  49   109    69    309
10  20  10  50   110    70    310

Please note that not all names in order vector are present in dfd, however only need to sort the matching ones.

A: How about this? It first uses %in% to select (still in order) the strings in odervect that correspond to column names present in dfd:
cnames <- odervect[odervect %in% names(dfd)]
dfd[cnames]
   xaf c3a c3b ka101 cd101 kl01v
1   11   1  41   101    61   301
2   12   2  42   102    62   302
3   13   3  43   103    63   303
4   14   4  44   104    64   304
5   15   5  45   105    65   305
6   16   6  46   106    66   306
7   17   7  47   107    67   307
8   18   8  48   108    68   308
9   19   9  49   109    69   309
10  20  10  50   110    70   310

redpajama_set_name: RedPajamaStackExchange


I am suggesting extremely wonderful books this month. I spent some time escaping the cold and I held back special books for the trip.
This is a long and enchanting book. Most of us have a special tree somewhere in our life. A tree that helped us dream or stay calm. This book starts with stories of 9 people who have a special connection with a tree or a forest. About a third of the book is filled with these great stories. Then the stories start to connect like trees in a forest. Wonderful facts about tree are woven through this book. Trust me; don't be frightened by the length or the subject. You will love this book.
I am always watching for books by Barbara Kingsolver. Her newest does not disappoint. Unsheltered takes you on a journey to a dilapidated house in a New Jersey town with an interesting history. You go back and forth from current time to the eighteen seventies. The current owner of the house is trying to find money to make much needed repairs. It turns out it might be impossible to save the house but she keeps on trying. She discovers a small museum with interesting town related treasures and junk and becomes friend with the curator who helps her with her search. If she can find the right story she might be able to get a grant to save the house.
Macbeth by Jo Nesbo might bring you back to High School Literature. That is certainly when I last read the play. Nesbo takes the plot of Macbeth and twists it around an Industrial city in Scotland. It could be Glasgow. The famous Shakespeare characters become members of a slightly corrupt police force, city government and a group of drug dealers. Even some of the famous quotes are there. As you sink into this world, you will begin to remember the old plot. It is all there, names and all.


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text:
They endorse another romance to Kanye West. Wasn't Jefree Star the only one?
January 14, 2021 · 00:21 hs
Various sources have drawn their own conclusions and theories about the alleged divorce of the American celebrity Kim kardashian, together with her husband, the popular rapper Kanye westWhile many say they are still together but living 'apart', others say that the divorce papers are already underway and it is even presumed that they are fighting for the custody of the children.
Kanye West and Kim Kardashian
Of course, many sources have been chasing the real reason why Kim and Kanye decided to make the tough decision to divorce after almost seven years of marriage, and one of the causes that has been most rumored is about an alleged infidelity on the part of Kanye west with a renowned youtuber and professional makeup artist.
It was immediately known about the life of Jefree star, the makeup artist with whom he allegedly Kanye west was unfaithful to Kim kardashian, and one of the things that fit the most in this story is because Kanye has a property close to Jefree's.
However, another possible cause of the imminent divorce between Kanye and Kim kardashian has come to light, it is a loud rumor that has begun to resonate, it is Cole Carrigan.
Cole Carrigan is another 22-year-old makeup professional and influencer, he himself claimed with some evidence that between him and Kanye west there was a rather passionate adventure.
It was on the TikTok platform where the boy demonstrated to everyone a conversation he had with one of the bodyguards of Kanye west, where you could read that a car was going to pick you up in 20 minutes to take you to the W hotel in Los Angeles.
Next, the influencer said the following: "I neither confirm nor deny these messages with his bodyguard. I can't say much more because I don't want a lawsuit from Kim Kardashian West, but these are word for word messages from her former bodyguard, who was the one who spoke to me. That's all I'll say about it. «
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text:
UW Extension financial specialist offers advice following Equifax breach
(KMVT)
By UW News
Published: Oct. 17, 2017 at 4:03 PM CDT
Freezing credit and signing up for free credit monitoring are among strategies a University of Wyoming Extension specialist recommends in response to the massive hack of the consumer credit reporting agency Equifax.
Information for about 145 million people was compromised, potentially exposing names, addresses, birth dates and Social Security numbers.
Equifax has taken a few steps to help people protect their identities, says personal financial management specialist Cole Ehmke. All Americans can sign up for free credit monitoring at www.equifax.com at the "Equifax Cybersecurity Incident" link. The monitoring is effective for all three credit bureaus, including Experian and TransUnion. Enrollment ends Nov. 21.
Equifax also has promised to waive the fee to freeze credit reports through the end of January.
A credit freeze limits access to a credit report, preventing potential creditors from accessing credit files, so the creditor is less likely to issue credit, Ehmke says.
"The end result is that identity thieves are less likely to open an account in your name," he says.
There is a charge each time a credit report is frozen and also when the freeze is lifted. The cost in Wyoming is $10. Equifax has waived this fee until the end of January, Ehmke says.
He recommends freezing credit at all three agencies -- Equifax, Experian and TransUnion -- as the best identity theft protection.
"You'd need to do it with each of the main credit reporting agencies for both yourself and for a spouse," Ehmke says. "Remember that you'll have to 'unfreeze' your report temporarily if you want to open a new line of credit yourself."
He says Equifax has announced a new service called a credit lock, which the company says will launch by Jan. 31.
"Offering a credit lock is a more significant offer than Equifax's previous ones of one free year of credit monitoring or its promise to waive the fee to freeze your credit through the end of January, since it is free for life, but it offers slightly less than a credit freeze," Ehmke says.
A credit lock is similar to a credit freeze, in that it limits access to a credit report, but a credit freeze offers more protection as the law guarantees it, he says. Lifting a credit freeze can take between 24 and 48 hours, but not every credit lock program is instantaneous, and not every credit lock program is free.
"I would certainly recommend signing up for the one year of Equifax's credit monitoring service, which they call TrustedID Premier, and I would definitely consider credit freezes. Unfortunately, doing both a freeze and a lock isn't possible," Ehmke says.
So far, 7.5 million people have signed up for the free year of credit monitoring Equifax offered following the breach. But, after that, consumers will have to pay Equifax $17 a month to continue the service.
"But, I would be hesitant to pay to do anything that I can do myself for free," Ehmke says.
Regularly checking credit reports from the three agencies is one strategy people can take with credit reports and identity theft. Federal law provides free access to each once a year (at www.annualcreditreport.com). There is overlap in the content of the reports, so checking a different one every four months gives a rolling sense of what is in them across the year, he says.
"Monitoring credit reports helps identify whether a horse got out of the corral. A freeze might be more like helping to keep the gate closed," Ehmke says.
He cautions that credit freezes will not deter non-credit-related frauds such as tax refund identity theft and health insurance fraud.
"For that, vigilance is about all we can recommend," Ehmke says.


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