Crowd Connected’s multi-faceted Colocator platform was successfully deployed to monitor and engage with fans of Real Madrid and Juventus for the UEFA Champions League Final – Europe’s premier club football match – which took place at the beginning of June 2017 at the National Stadium of Wales in Cardiff. Meeting the Business Need
Steer Davies Gleave (SDG), an independent global consultancy that combines commercial, economic, technical and planning expertise, was contracted by the Football Association of Wales to engage football fans in a dynamic fashion as they travelled to and from the UEFA Champions League final. The match was played in Cardiff, a location unfamiliar to the vast majority of the travelling supporters. It was estimated that well over 170,000 Italian and Spanish fans would descend on the Welsh capital for their respective clubs’ biggest game of the season – significantly more than the stadium’s official total seating capacity of 74,500. The solution
In an atmosphere of heightened security concerns, organisers were seeking ways to: Engage with the travelling supporters of each club in a cutting-edge way, keeping them informed and up to date; Monitor, log and understand in real time the movement of fans both as they travelled to the stadium pre-match and as they left after the game; Showcase an enhanced digital experience which combined seamlessly with the physical; and Encourage fans to see more of Cardiff thereby spreading demand.
Tapping into their experience and track record from both the London 2012 Olympics and the 2015 Rugby World Cup, SDG developed a specific event mobility app, designed to provide fans with a personalised ‘guide in their pocket’. Supporters of both teams were encouraged to download this dedicated app before they even began travelling across Europe to the game.
The Solution
SDG turned to Crowd Connected and our market-leading location intelligence to underpin the delivery of three significant component elements of their solution:
real-time location data harvesting, processing and visualisation to provide unrivalled situational awareness; highly targeted geo-behavioural communications to fans; and granular post-event analytics.
Crowd Connected’s Colocator SDK was embedded into the SDG-developed app. Without requiring any additional hardware, data from mobile phones with this app installed was transmitted to the cloud-based Colocator platform, where it was stream processed in real time to ‘digitise the physical’.
The Results
Using the Insight module within the intuitive web-based Colocator console, SDG provided control rooms in multiple location with customised visualisation of fan movement in qualitative and quantitative form via configurable heatmaps and dashboards.
This delivered never-seen-before
live readouts of vital information such as journey times, fan densities and queue times. It enabled, at a glance, those who needed the information to see, for example, how fans’ actual travel patterns were deviating from the planned and/or predicted behaviour.
This awareness of aggregated travel trends began even before supporters reached the UK. And it provided a single source of truth for understanding behaviour across multiple transport modes.
SDG also extensively used the Engage module for its unbeatable
geo-targeted messaging capability. Engage enabled SDG to build sophisticated communication campaigns to fans who had downloaded the app, providing real-time audience segmentation based on any combination of historic and present location. As a result, by Integrating Crowd Connected’s Colocotor technology with Urban Airship’s push message delivery system, SDG were able to deliver a large number of highly targeted push notification messages.
Over 50 different messages were sent, composed in multiple languages (Spanish, Italian and English), engaging with fans from three weeks before the match. Examples included highly targeted logistics advisories relevant only to certain segments of fans (by club, by mode of transport, by current and historic location, etc), messages promoting specific attractions citywide in Cardiff, and advisories re match-specific arrangements.
Moreover, the effectiveness of certain push-notifications recommending a particular course of action could be evaluated by analysing the subsequent movement of app users who had been targeted with that message.
Finally, SDG relied on the app user location data provided by Crowd Connected to deliver a
post-event wrap-up based on hard evidence – normally only captured through expensive survey methodologies.
Crowd Connected’s Colocator technology was instrumental to us making people think differently about how to engage fans and influence their behaviour. We’re delighted with the results and are very excited by the prospect of working closely with Crowd Connected on future projects.Russ Yell – Head of Digital Intelligence, SDG


UK aid’s approach to youth employment in the Middle East and North Africa
A full review assessing the relevance and effectiveness of UK aid programmes in promoting employment opportunities for young people across the Middle East and North Africa (MENA).
Background
Over half of the population in the MENA region is under 24 years old and a quarter of young people in the labour force are unemployed. Some countries within the region report that up to 60% of young women are not in education, employment or training (NEET), whilst nearly 30% of young unemployed people across the region have a university degree.
The youth employment challenge is exacerbated by both demand-side failures, such as a lack of access to finance, restrictive business regulations and cronyism which reduces the number of employment opportunities, and supply-side failures, such as education and skills that do not match labour market needs, making it harder for young people to compete for jobs.
Overall, the MENA region is characterised by economic and geopolitical instability. Economies face structural imbalances including large, inefficient public sectors, uncompetitive business environments and governance challenges, as well as high youth unemployment.
Within this context, sustainable economic development and poverty reduction in the region are closely linked to the need to create decent work opportunities for young people.
Scope
The range of potential interventions to address youth unemployment is broad. We have identified 115 programmes with a total value of over £2.4 billion from the UK’s aid portfolio in the region that include a youth employment element within the scope of our review.
The portfolio under review includes programmes where youth employment is a direct objective, or where youth employment is a component of other objectives, such as in programmes that promote stability or support refugee populations.
The portfolio covers Iraq, Jordan, Lebanon, the Occupied Palestinian Territories (OPTs), Syria, Turkey, Yemen, Algeria, Egypt, Libya, Morocco and Tunisia, and includes programming since the publication of the 2015 UK aid strategy.
Review questions Relevance:Is the UK’s approach to promoting youth employment in MENA relevant to needs? Coherence:How coherent is UK aid’s approach to promoting youth employment? Effectiveness:How effective is the UK’s support to youth employment in MENA? Timeline
Research for this review began in September 2020, with publication expected in June 2021.


Pregnancy outcomes in women with lupus significantly improved in last 18 years
Healio Primary Care reports on the findings of an HSS study published in the
Annals of Internal Medicine which demonstrated maternal mortality significantly decreased and overall pregnancy outcomes improved in women with systemic lupus erythematosus (SLE).
Lead study author Bella Mehta, MBBS, MD, MS, rheumatologist at HSS, and colleagues, conducted a retrospective cohort study using discharge data from the National Inpatient Sample database to evaluate trends and fetal complications in SLE patients from 1998-2015. Outcomes including in-hospital maternal mortality, fetal mortality, non-delivery-related hospital admissions, preeclampsia or eclampsia, cesarean sections, and the length of stay were evaluated and compared in pregnant women with and without SLE.
Researchers noted that the significantly larger improvement in maternal mortality among women with SLE compared with those without SLE suggests that factors beyond developments in obstetrics were responsible for improved maternal mortality in those with SLE.
Read the full article at Healio.com.


Breath is life force, Spirit moving into and through us. When we breathe, life flows through us.
We all want to feel vital, alive, peaceful and full of purpose. When we breathe consciously and purposefully, we release nervous energy, anxiety, fear and stress and breathe in peace, purpose, love, and compassion.
When we breathe, we release our hectic pace and claim peace. We slow our minds and bring our focus back to the present moment so that we can perceive and act from a more balanced place.
In recent weeks the world has again become a scarier place – we again witness terrorist attacks resulting in death, disruption and fear. It’s in times like this our gratitude practices help us remember the truth we know – that love, compassion, and peace are the powers that sustain us and that ultimately prevail. Gratitude is the first step in opening our hearts to this truth, even in challenging times.
Rev. Sydney’s message focuses on expressing appreciation with meaning, using the tools of nonviolent communication. How do you turn a comment such as “Good job!” into an expression of detailed appreciation that lets the listener know what his or her effort meant to you? Learn how expressing appreciation more deeply can create meaningful connection in your life!


摘要
Young incipient species provide ideal materials for untangling the process of ecological speciation in the presence of gene flow. The Miscanthus floridulus/sinensis complex exhibits diverse phenotypic and ecological differences despite recent divergence (approximately 1.59 million years ago). To elucidate the process of genetic differentiation during early stages of ecological speciation, we analyzed genomic divergence in the Miscanthus complex using 72 randomly selected genes from a newly assembled transcriptome. In this study, rampant gene flow was detected between species, estimated as M = 3.36 × 10
-9 to 1.20 × 10 -6, resulting in contradicting phylogenies across loci. Nevertheless, beast analyses revealed the species identity and the effects of extrinsic cohesive forces that counteracted the non-stop introgression. As expected, early in speciation with gene flow, only 3-13 loci were highly diverged; two to five outliers (approximately 2.78-6.94% of the genome) were characterized by strong linkage disequilibrium, and asymmetrically distributed among ecotypes, indicating footprints of diversifying selection. In conclusion, ecological speciation of incipient species of Miscanthus probably followed the parapatric model, whereas allopatric speciation cannot be completely ruled out, especially between the geographically isolated northern and southern M. sinensis, for which no significant gene flow across oceanic barriers was detected. Divergence between local ecotypes in early-stage speciation began at a few genomic regions under the influence of natural selection and divergence hitchhiking that overcame gene flow. All Science Journal Classification (ASJC) codes Genetics Plant Science Cell Biology


How can manufacturers grow profits by designing, selling and producing personalized products? Manufacturers have significantly increased the level of personalization in their products over the past five years, and customization will accelerate over the next five. Why? Companies across the manufacturing industries recognize that tailoring products drives increased differentiation, higher sales, and better margins. How


160 Gould Street
Suite 310
Needham,
MA
02494
Over time, the term Wealth Management has come to be used interchangeably with that of Investment Management. Historically, Investment Management has been defined as the selection, appropriate allocation and continuous management of financial assets. A search for ‘Wealth Management’ will highlight many resources offering ‘Investment Management’; but few are representative of a comprehensive Wealth Management philosophy.
At The Bulfinch Group, we believe Wealth Management should be far more than a well-designed investment selection and a discussion focused on rates of return. The Bulfinch Group has redefined Wealth Management by creating a Protection-First Planning Methodology to help safeguard wealth and provide for each client’s unique financial situation. Our Advisors utilize a client-centric approach, first preserving income and cash flow as the foundation of the wealth management process. Investment management, estate planning, tax strategies, retirement planning, college savings, and ongoing cash flow protection are all additional components of the coordinated, integrated and cohesive wealth management methodology.


What is the Local Government Benchmarking Framework?
The LGBF is a high-level benchmarking tool designed to support senior management teams and elected members to ask questions about key council services.
It reflects a commitment by SOLACE (Scotland) and COSLA to develop better measurement and comparable data as a catalyst for improving services, targeting resources to areas of greatest impact and enhancing public accountability.
The framework provides high-level 'can openers' which are designed to focus questions on why variations in cost and performance are occurring between similar councils. They do not supply the answers. That happens as councils engage with each other to ‘drill down’ and explore why these variations are happening.
The LGBF helps councils compare their performance against a suite of efficiency, output and outcome indicators that cover all areas of local government activity. The framework now has 8 years of data. Publication of the LGBF forms part of each council’s statutory requirements for public performance reporting, replacing the previous SPI regime.
Data for all councils can be found on the Improvement Service site.


Glossary Data Virtualization
Data virtualization delivers a unified, simplified view of an organization’s data that can be accessed anytime. It integrates data from multiple sources, to create a single data layer to support multiple layers and users. The result is faster access to this data, providing instant access, any way you want it.
Data virtualization involves abstracting, transforming, federating and delivering data from disparate sources. This allows users to access the applications without having to know their exact location.
There are some important advantages to data virtualization: An organization can gain business insights by leveraging all data They can become aware of analytics and business intelligence Data virtualization can streamline an organization’s data management approach, which reduces complexity and saves money
Data virtualization involves three key steps. First, data virtualization software is installed on-premise or in the cloud, which collects data from production sources and stays synchronized as those sources change over time. Next, administrators are able to secure, archive, replicate, and transform data using the data virtualization platform as a single point of control. Last, it allows users to provision virtual copies of the data that consume significantly less storage than physical copies.
Some use cases for data virtualization are: Application development Backup and disaster recovery Datacenter migration Test data management Packaged application projects


The United States is no stranger to deadly natural disasters. Natural disasters can occur in various forms and at any time. While you cannot predict everything, there are measures that can minimize the damage that incurs.
Between 2010 and mid-2019, major storms and climate-related events caused a total of $761 billion in damage and killed nearly 5,200 people in the United States.
A natural disaster is a major adverse event resulting from natural processes of the Earth; examples include floods, hurricanes, tornadoes, volcanic eruptions, earthquakes, tsunamis, and other geologic processes.
Get a free quote now or ask us a question,it’s free, simple and fast. GET A QUOTE


You may have heard about genetically modified organisms (GMOs) along with predictions of dire consequences for the planet or claims the technology is necessary to feed the Earth’s growing population. At the April edition of Beer with a Scientist, Paul Vincelli, PhD, professor in the Department of Plant Pathology at the University of Kentucky College of Agriculture, Food and Environment, will set the record straight with peer-reviewed science.
Vincelli will make the trip across I-64 to share his expertise on the scientific understanding of GMOs based on the substantial body of scientific literature. He will explain exactly what constitutes a genetically engineered crop, whether eating recombinant DNA is safe, and why scientists would want to change a plant’s genes in the first place.
At UK, Vincelli serves as coordinator for the United States Department of Agriculture (USDA) Sustainable Agriculture Research and Education Program. He provides science-based outreach on risks and benefits of genetically engineered crops in Kentucky, the nation and internationally.
The program begins at 8 p.m. on Wednesday, April 13 at Against the Grain Brewery, 401 E. Main St. A 30-minute presentation will be followed by an informal Q&A session.


By definition, a small business is typically a flat, centralized organization. The founder/owner is the boss and makes all the critical decisions. However, as the personnel count grows, the firm’s structure typically expands either horizontally (flat) or vertically (tall). Again, various factors including the owner’s management style, might affect what type of structure a business assumes.
You are here Flat versus tall organizations
6841
Front Matter Body Matter The mind of the entrepreneur: Your entrepreneurial journey begins by embarking on your own hero’s journey! Back Matter


Optimising haemodynamics in complex stented arteries
Grant number: LP150100233 | Funding period: 2016 - 2020
Active
Abstract
This project aims to optimise the hemodynamics (blood flow) in coronary arteries with high curvatures and bifurcations. Experience has shown that the build-up of plaque — and the resulting occlusion of blood flow — tends to occur in these complex arterial regions. The most common therapeutic strategy is the insertion of a stent to prop open the artery. However, the nature of the geometry often leads to post-stenting complications such as restenosis and thrombosis, ultimately resulting in negative outcomes. In this project, advanced research methods from fluid dynamics and optimisation and control will be used to potentially minimise these highly undesirable effects.


Understanding the Key Role of NSPases in Early Broiler Nutrition
The early nutrition of broilers plays a key role in their lifetime productivity as in this intensive growth period the gastrointestinal tract (GIT) is under development. Alongside efficient nutrient utilisation, a healthy gut will support a robust immune system. It is widely accepted that maintenance or improvement of gut health is essential for optimum growth, better feed efficiency and overall health.


The role of internal audit continues to evolve, driven by many factors including economic conditions, globalization, and new, emerging risks. These scenarios are creating a dynamic environment and new opportunities for internal auditors to demonstrate its value. Internal auditors must create value for the business.
PHAM CONSULT’s internal audit professionals bring the right mix of internal audit experience, industry specific knowledge and highly technical specialized skill sets. We can help your enterprise:
– Improves the performance of the internal audit function so that it provides sufficient comfort to the Audit Committee or the Board of Supervisors.
– Ensures that the internal audit team tackling the right risks, as well as improving and aligning the enterprise’s governance, risk and control frameworks. – Provides independent advice to the Board of Directors, the Audit Committee or the Board of Supervisors, management on the enterprise’s organizational risks and the state of the enterprise’s control.


As a former college student undertaking an assistant professor apprenticeship, it came as a surprise to me when I realized that it is quite a challenging experience having to deal with my more than 20 English composition students while I serve as a masters students myself. The task has provided me with opportunities for identifying the various issues affecting students in their academic life while comparing it with that of other well-established individuals in different careers. Upon starting dealing with the students, for instance, I had high expectations of them and quite idealistic that they would perform their level best. I approached the profession in a noble manner believing that I would manage to make a significant difference in the young individualss lives who shows minimal interest in literature as well as lacked the capacity to express them opinions in writing. Due to my mynervousness in my initial days with the students, I used to sweat, even though the profession excited me as well. I believed that I had the capacity to inspire the students in the same manner my former professors inspired me, although I was not well aware of the challenges that lay ahead of me while dealing with the students.
During my undergraduate years, about four years ago, I had come across some professors who did not have the capacity to inspire their students. I often overheard people raising complaints concerning the apathy portrayed by the students, as well as administrators who did not take the time to understand the situation of their students. Some of them complained that they used to work extensively without being accorded the appreciation they deserved. I can remember a time when one professor approached me to warn against joining the institution since he regretted the way he had spent his life without gaining any notable recognition from the school as well as the challenges he faced with the students. He stipulated that the students became lazier after the end of every year. As such, the teaching staff regarded the job of instruction as becoming harder while it was also less rewarding. The conversation I had with the professors led me to think how I would survive in the learning environment on my own.
One day, I believed that the professor were an individual who was headed toward retirement and needed to create room for new professionals who had appeared more enthusiastic and motivated to pursue the task, although this was not the case as I later came to realize. I believed I was one of the ideal people for handling the work as based on the trust I had in myself as capable of fostering learning motivation in any environment. I trusted that I had the capacity to influence any student to improve despite any common challenges apparent in the teaching environment. As such, I disregarded the opinions raised by the former professor believing I was capable of transforming the learning atmosphere. Presently, it is three years after I joined the institution where I am teaching. I think that if things go according to the way I want them to, I will be earning tenure soon. I am now wondering whether I was uncharitable to the former professor of the institution, as he might have known certain things that I do not.
Thoughts and Feelings Description
Upon my discussion with the former teacher of the university I am currently teaching, I was amazed that he felt the job of dealing with the students as challenging. I thought that did not have what it takes to survive in an environment dominated by ambitious students. I felt that he was afraid that the students did not appreciate his efforts in the teaching environment, thus leading him to tire of the dealing with them. In the field of academics, however, I am still relatively fresh with no significant groundwork on how to cope with the diverse terrifying situations associated with the institution. Nevertheless, I feel that I already understand the various exhaustions and frustrations that may lead a college professor to feel as if he had wasted his career while dealing with challenging students. During my initial encounters with my students two years ago, I came across a paper, which a student argued that John Lenin had utilized his Beatles career to serve as a stepping-stone for controlling Russia. I also came across another one that stipulated that in the early 1990s, practices, such as homosexuality and adultery did not exist. Based on the initial encounter with the two papers, I started questioning whether the students had any significant knowledge concerning what they were writing.
I did not wish to start judging the misconceptions by the students initially as my pedagogue drove me to correct them. Considering myself as an educated person, I used to shake my head as well as laugh whenever I came across such vital misconceptions. At times, however, I would come to the realization that I am the one responsible for marking the papers after devoting more than 14 hours daily during the workdays in educating the students to ensure that they get the concepts right. As such, I would often sit wondering whether this is what I should devote my entire life to depending on the encounters I had with the numerous challenging students. I would even question whether I was capable of making any difference in the lives of the students as they showed no signs of progress even after the numerous efforts I applied to ensure captured the relevant concepts.
Whenever I was in class with my students, the question repeated itself in my mind every time I heard the cell phones of the students ringing in class or whenever I realized that the essay a student wrote was gathered directly from Wikipedia. At other times, the students that attained a D during the initial submission fail to make any improvements in the following draft. I also wished that the students would talk to me in case they needed any suggestions in writing an influential paper. I realized that every time I repeated the question that prevailed in my mind, it would be possible to apply more profanity based on the frustration I went through with the students. Because of these frustrations, I started realizing that the teaching profession is a daunting one, particularly when one is forced to deal with students with diverse, challenging students. Therefore, I considered reflecting on my past to determine whether my professors felt challenged, or failed to things that might help me cope with the present situation, or if I can learn something new from the students despite their uncooperative behavior in the learning environment.
Reflective Observation
Presently, I understand self-awareness, self-regulation, and motivation in ways that I did not before serving as an educator in my present environment. I have realized that considering the students as tiring, disrespectful, and annoying is worth reviewing to understand the reasons behind such acts fully. For instance, during my undergraduate years, I used to portray significant respect toward my professors. However, when looking at the students I usually deal with, I often see as if they are mocking the efforts I apply to make them better students. When I look at the encounters I have with my students, I can now look back and understand why the individuals who have been in the profession for most of their lives direct so much frustration toward their students. The situation is usually depressing when one realizes that the experience within the college shows signs of degradation to an extent that it is incomparable to my college years when we used to show significant excitement upon attaining new knowledge.
I frequently recount an essay from one my former teacher and a good friend, which stipulated that the dream we currently dream concerning the way things used to be is no longer true, while it is more fantastical as it is the case with other types of goals. Indeed, while embarking on my efforts to educate the young adults, I have come to realize that my individual memory has somehow erased my past, mostly because of the detriments I go through for having to face the students who make my life challenging. I even remember when one student in my class considered himself as showing significant respect toward his professors although he usually fell asleep during the introductory English classes in the morning hours. I also recall a time when he handed in a research paper that lacked works cited page since he believed in other things that he considered as better than editing his work before handing it in. In this case, I now realize that students have different perceptions of life and education itself. Therefore, it is the role of the educators to consider reviewing the various situations of the learners to determine the forces behind their unusual behavior to determine the ideal ways of coping with them.
Furthermore, considering the activities I undertook during my college years if anyone tried telling me that the behavior I exercised portrayed disrespect toward my professors, I would have been dismayed and sad as well. I used to represent profound respect toward my teachers. When reflecting on my sociology professors and others, for instance, I perceived them as the smartest individuals I had ever come across. I believed I have the capacity to ask any question that troubled me and argued that the answer they offered me was the correct one. The obvious intelligence they portrayed made them appear self-assured, confident, and intimidating to a person who only possessed several book collections. Therefore, even though I showed important respect for the obvious intelligence they portrayed as well as values and the profound insights they instilled in me, the admiration I had for them hindered me from asking questions that I believed they were capable of answering. The fear I had for appearing fooling led me to opt for ignorance, which is the same situation I am encountering with the students my students.
Added Meaning
From my dealings with the students as well as when focusing on my previous life as a student, I believe I have realized that all people have something to offer irrespective of whether they are students or educators. As an assistant professor as well as an average person, I am quite aware of the ignorance that prevails in me even during the present day. Furthermore, I am mindful of the fact that the professors I used to idealize and idolize must have understood the limitations of their knowledge while they encountered similar doubts that I am still facing to this day. Therefore, one of the things associated with being a learned person revolves around accepting the notion that we do not know everything. As a student, I should have taken the time to overcome my ignorance and ask the right questions to my professors, irrespective of whether I believed they had the answers to them or not. By doing so, I would have managed to identify my weaknesses earlier, thereby prepare me adequately with diverse ways of handling my future career.
When reflecting on my learning and teaching career, I am afraid that if the students of today do not realize the need for identifying the kind of ignorance that characterizes a considerable number of learners, they might assume that the superiority offered by the knowledge we have downgraded them. They might also believe that I am judging them for the ignorance they portray. They might also think that we usually judge them if they direct their ignorance toward us by raising questions they suspect we may be having answers. In this perspective, therefore, it is vital to embark on guiding the students toward identifying the various forms of weaknesses they portray in the learning environment, thereby allow them to be well equipped in matters concerning education and in their interactions with educators.
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Healthy Hair Wash Powder is chemical-free and has zero preservatives. It only contains natural ingredients, including the goodness of Bhringraj and Tulsi. We harvest Bhringraj, the king of hair Ayurvedic rejuvenators from the Northern plains of India. Our experts ensure that we harvest Bhringraj flowers during optimal periods. Its high nutrient content promotes scalp and hair health. At the same time, the soothing effects of Tulsi boost healthy blood circulation in the scalp.
We also added Shikakai. A traditional herb for hair washing and conditioning. We collect its pods when they reach the right maturity stage to retain its astringent and tonifying quality for healthy hair. The inclusion of Brahmi and Amalaki provides cooling properties. Their presence encourages a healthy response against occasional inflammation affecting the scalp.
We make the Healthy Hair Wash in a traditional family-owned pharmacy under monitored conditions. Following sustainable Ayurvedic practices, Healthy Hair Wash is formulated according to the classic ancient formulas. Our experts produce Healthy Hair Wash in small batches to optimize effectiveness and preserve its freshness.
We collaborate with organic farmers who follow traditional practices to cultivate the ingredient. They follow our guided instructions and do not use any toxic chemicals or pesticides during the harvest and processing.
What's more?
Our expert practitioners (Ayurvedic Vaidyas classically trained in India) have selected only ethically wildcrafted, and certified organic ingredients for Healthy Hair Wash. Additionally, our organically grown ingredients come from native farms. That way, we ensure that the farmers do not use pesticides or toxic chemicals during the harvest or processing.
We also source fresh ingredients, cultivated in the ideal topographical environment. Such careful sourcing increases the quality of the ingredients and the effectiveness of the supplementation.
While we source ingredients in India, we process the product in the USA. That way, we can guarantee that you have access to whole foods and traditional products. Moreover, our herbal supplements go through multiple quality assurance checks before they reach your doorstep. We offer only the best for your health and wellbeing.
It's only here that you'll find organic supplementation that helps enrich your body with strength, vitality, and optimal health.


Non-Bank Financial Intermediation
Non-banks play an increasingly important role in the global financial system. It is important therefore that risks from non-bank financial intermediation (NBFI) are effectively managed and that authorities have the tools they need to effectively supervise and regulate NBFI.
The FSB has undertaken significant work to assess and address the risks from NBFI since the global financial crisis. A key pillar of the FSB’s work has focused on its annual exercise to monitor NBFI activities and implementing a range of reforms agreed to address problems highlighted by the global financial crisis.
The FSB’s regular vulnerabilities work assesses risks across the financial system including risks that may be developing with NBFI. This work is supplemented with deeper dives to better understand emerging risks and agree what coordinated supervisory and regulatory action should be taken.
Developments in credit markets
The impact of COVID-19 on credit markets highlighted vulnerabilities in the NBFI sector related to liquidity mismatches, leverage and interconnectedness, and investor behaviour related to certain funds that they may treat as cash equivalents during economic calm but not during crisis. While extraordinary central bank interventions calmed capital markets, which remained open and enabled firms to raise new and longer-term financing, such measures should not be required.
Understanding risk, risk transmission, and policy implications for the NBFI sector is more important than ever. Authorities across the financial sector must develop a shared understanding of our financial system as a whole and build consensus where policy responses may be needed. The FSB has formed a group on non-bank financial intermediation, composed of senior leaders from market regulators, macroprudential authorities, and international organizations, which will build a holistic view of resilience in the NBFI sector. By the G20 Summit this November, the group will carry out a holistic review of the market turmoil that occurred in March by leveraging the various workstreams underway in the FSB and SSBs. In addition, the FSB has begun a mapping exercise of the critical connections between traditional banking and non-bank sectors in a cross-border setting. This combined work will clarify the various points of vulnerabilities and risk amplification and transmission in the financial system, and will inform future steps of the FSB. In 2021 under the Italian G20 Presidency to improve the resiliency of the NBFI sector while preserving its benefits.
Leveraged loans and collateralised debt obligations
Markets for leveraged loans and collateralised loan obligations (CLOs) have grown significantly in recent years, with the majority of issuance concentrated in the US and to a lesser extent the European Union. The securitisation of leveraged loans through CLO issuance, which had come to a halt almost entirely between 2009 and 2010, exceeded pre-crisis levels in 2014 and has remained strong since then. While most leveraged loans are originated and held by banks, and banks have the largest exposure to the market, the role of non-bank financial institutions has increased.
In December 2019 the FSB published a report that reached the following conclusions:
Vulnerabilities in the leveraged loan and CLO markets have grown since the global financial crisis. Borrowers’ leverage has increased; changes in loan documentation have weakened creditor protection; and shifts in the composition of creditors of non-banks may have increased the complexity of these markets.
Banks have the largest direct exposures to leveraged loans and CLOs. These exposures are concentrated among a limited number of large global banks and have a significant cross-border dimension.
A number of non-bank investors, including investment funds and insurance companies, are also exposed to the leveraged loan and CLO markets.
Given data gaps, a comprehensive assessment of the system-wide implications of the exposures of financial institutions to leveraged loans and CLOs is challenging.
The FSB will is considering what steps can be taken to close data gaps and continues to analyse the financial stability risks. It has also continued to assess the regulatory and supervisory implications associated with leveraged loans and CLOs.


PRESENTATION
Contact: Jacqueline Sánchez
The recent announcement by BP CEO
Bernard Looney for the company to attain net zero emissions by 2050 is the latest news to ripple across the global oil industry with a direct link to confronting the climate challenge. Development of international agreements targeting emissions reduction, national policies and corporate goals are all placing increasing focus on the role of oil in a post-2050 world. This is particularly true for the large-scale, highly complex and capital-intensive projects in the sector that often take a decade or more to bring online. Layered on top of the foregoing is polarizing climate change activism and demands on oil and gas companies and the sector writ large. This begs the question of whether we are reaching the moment when it may already be too late for major new offshore oil development?
Join us for a webinar with
Jed Bailey, Managing Director of Energy Narrative and long-time Latin American energy analyst. Bailey will share his insights on the intersection of climate activism and the oil and gas sector with insights for the region, particularly the possible implications for deepwater projects in Brazil and Mexico and the nascent oil sector in Guyana and Suriname. The webinar will be held Tuesday, March 10 at 10:00am San Diego (12:00 pm Houston; 1:00 pm New York; GMT/UTC – 8 hours). The webinar will include a live Q&A session with the audience.


Management models - love them or hate them, they're at the heart of management thinking and practice. They have two main purposes: to provide a framework for improving business performance; and to confuse the uninitiated with buzzwords and acronyms.
You've heard of balanced scorecards, CRM, just-in-time and SWOT? How about the Deming cycle, parenting advantage or socio-technical organizations? Even if you have, can you describe them clearly and do you know how you can use them in your business?
Key Management Models takes the reader through each of the essential management tools in a clear, structured and practical way. It provides comprehensive coverage of the main tools, and of the models developed by the Gods of management thinking: Belbin, Handy, Kotter and Mintzberg.
1. Activity based costing
2. Adizes' paei management roles 3. Ansoff's product/market grid 4. Balanced scorecard 5. The BCG matrix 6. Belbin's team roles 7. Benchmarking 8. Business process redesign 9. Capability maturity model 10. Change quadrants 11. Chaos model 12. Competitive analysis: Porter's five forces 13. Compliance typology 14. Competing values of organizational effectiveness 15. Core competencies 16. Covey's seven habits of highly effective people 17. Customer marketing and relationship management 18. The Demming cycle 19. The EFQM model 20. Eisenhower's effective time management 21. Four competencies of the learning organization 22. Generic competitive strategies 23. Greiner's growth model 24. Handy's Gods of management 25. Hofstede's Cultural Dimensions 26. Just-in-time 27. Kaizen 28. Kay's distinctive capabilities 29. Krajlic's purchasing model 30. Kotter's eight phases of change 31. MABA analysis 32. Malcolm Baldridge award 33. 7-S Framework 34. Mintzberg's Configurations 35. Nolan's IT growth stages 36. Offman's core quadrants 37. Overhead value analysis 38. Parenting advantage 39. Production models 40. Risk award analysis 41. Schools of strategy synthesis 42. Seven forces model 43. Simon's levels of control 44. Sociological organization 45. SWOT analysis 46. The fifth discipline 47. The neurotic organization 48. Value chain 49. Value disciplines


An Introduction to Civic Practice Civic practice draws on opera’s authentic creative assets to address public priorities and community needs.
The leaders who undertake this work have a deep respect and nuanced understanding of a community’s historical context and existing cultural norms, are strong partners with organizations from different sectors, and focus on stewarding a process of relationship-building and co-creation.
An Introduction to Civic Practice, published by OPERA America, shares learning from the 2016 and 2018 meetings of the Civic Action Group, a peer-learning cohort of company representatives working to explore how opera can increase its capacity to address civic priorities. The Civic Action Group was supported by an Our Town grant from the National Endowment for the Arts.


Smart City Mobility Smart cities, mobility, and the road in between Smart City Bike Services: Economic, Environmental and Societal Impacts
The number of bike-sharing programs globally doubled between 2014 and 2018, while the number of bikes increased twenty-fold. Today, there are over 17 million shared bikes in use, about 10 million of them in China. Demand is rising in Europe and the US too.
While cycling has increased in popularity over the last decade, there has been a recent shift in favor of e-bikes and e-scooters, which are easier to use and don’t require pedaling. Research shows that in cities where both options were available, e-scooters were five times more popular than pedal bikes. 40 million e-bikes are expected to be sold worldwide in 2023.
Cycling, micro-transport, and bike-sharing trends go hand in hand with the rise of smart city technologies. Cities desperately need an alternative to private car ownership, and bicycles and light electric vehicles are increasingly perceived as a solution. Smart cities are encouraging light modes of transport and building infrastructure and policies to support them, in the hope that they can reduce the burden on road infrastructure, and improve quality of life in city centers.
In this article you'll learn about: What is Bike-Sharing?
A bike sharing system is a service that allows members of the public to use bicycles for short periods of time. Some services are free, some are paid, and most provide apps that map out a network of bikes located throughout the city. Some bike sharing companies reimburse the city for the space that their bikes occupy. Bike sharing systems can use docking stations, or they can be dockless.
Docked bike share services use computerized bike racks that lock the bikes, releasing them only when a user enters payment information. Docked services are well-suited for daily commutes, as the stations are typically located in strategic positions. A potential drawback is that users might find an empty station, or face problems docking the bike at the end of their trip if the station is full. Dockless bike share services are a newer development and are especially suitable for single, short trips. Riders use a smartphone app to locate bikes, which they can unlock with their phones. Users can then park the bikes anywhere within a designated area, locking them on ordinary bike racks or fences.
Dockless bikes are usually cheaper and more convenient than docked bikes because you can park them right at your destination. However, misplaced bikes can be an issue, as it is harder for authorities to prevent parking on the road. One way to regulate this is to offer incentives like credit points to users who return the bikes to designated areas.
Bike-Sharing Benefits
Bike-sharing services can have a dramatic impact on cities in which they operate, benefiting both the local economy and the environment.
Economic Benefits
Bike-sharing offers economic benefits for individuals and cities alike. For individuals, bike-sharing services offer a cost-effective alternative to private cars and taxis. For cities, the low-cost nature of bike-sharing allows users to spend more money at local businesses. Several studies have confirmed that people who travel by bike tend to spend more than those who drive.
Another economic benefit is the data accumulated by bike-sharing services, which provides information on commuter patterns. This information offers cities and service providers the opportunity to earn revenue via advertising and can help cities plan their services and policies.
Environmental Benefits
Bike-sharing schemes reduce fuel consumption, emissions, and congestion in city centers. Bike-sharing also encourages physical activity and can contribute to the health of city residents. The US government recommends a weekly minimum of 150 minutes of moderately intense physical activity, and cycling to work is an easy way to achieve this goal.
Bike-Sharing Downsides and Best Practices
Bike-sharing can also have a negative impact on cities. Mismanaged bike-sharing systems can cause issues: if there are too many bikes relative to demand, or if bike-sharing companies fail to collect damaged bikes, they can take up public space and inhibit movement.
If you are implementing or considering a bike sharing program, consider these best practices:
Provide a regulatory frameworkand collaborate with bike-sharing companies to establish successful bike sharing systems. Build infrastructurethat favors cyclists and integrates bike-sharing systems with other modes of transportation, like trains. Initially limit the number of bikes, allowing for growth to match demand. Provide enough bike racks to protect public space. Shift responsibility to bike-share companies, requiring them to maintain their infrastructure and remove dysfunctional bikes immediately. Examples of Leading Bike-Sharing Services
It might be useful to familiarize yourself with leading bike service providers, understand their mode of operation, policies, and pricing, as you consider a bike service program. The following are bike sharing services with a global presence:
Mobike: Operates over five million bikes, with 100 million users taking up to 25 million trips per day. The company encourages riders to park at Mobike Preferred Locations and provides incentives for good parking practices. Users can also receive Mobike Credits for reporting illegally or badly parked bikes. It is based in Beijing and is valued at around $3 billion. Lime Bikes: Offers electric bicycles and scooters as well as traditional bikes. Users locate the GPS-fitted dockless bikes through a mobile app. Lime charges $1 for a 30-minute trip and is especially popular on college campuses. The company is valued at $2 billion and has its headquarters are in San Francisco. The Broader Impact of Smart City Bicycle Programs
A new study from the University of Kentucky showed that shared bicycle and scooter services may be reducing the usage of buses; every 1,000 bikes on or near a bus route contributed to a decrease of over 1.7% in bus rides. The same study showed bike sharing may be encouraging consumers to take trains. However, other research shows few shared bike users switch over from private cars.
Together with the impact on local economies, pollution, congestion, and personal health, bike-sharing services are much more than a curiosity and are becoming a central part of smart city strategies. Smart city bike programs are inexpensive to manage and can make a major contribution to smart city goals. Even if they do not, as of yet, reduce private car ownership, they contribute to a compelling ecosystem of public transport options that are creating a new mobility economy.


Creating SciComm Workshop at CSPC 2019 ABOUT THE PANEL //
With growing divides in public and scientific opinion on controversial science policy issues like data privacy, vaccinations, and climate change, there has never been a more pressing time to improve how we communicate science.
In a step toward achieving this goal, Art the Science team members Alice Fleerackers (ScholCommLab), Julia Krolik (Pixels and Plans), Cat Lau (CHILD-BRIGHT Network), and Dorina Simeonov (AGE-WELL NCE Inc.) shared their science communication expertise at this year’s Canadian Science Policy Conference in a panel titled Creating SciComm: An interactive session connecting scientists, policymakers, and the public. Collaborative and participatory, the panel offered a hands-on approach to communicating science through visual methods. Attendees used paper, markers, glue sticks, and their own creativity to engage with four themes of public concern: climate change, artificial intelligence, genetically modified foods, and vaccinations.
During the session, participants learned to embrace their creativity, work together, and harness the power of visual communication to make science more understandable, accessible, and engaging. In less than an hour, they produced these 55 unique infographics—evidence of their originality, enthusiasm, and willingness to connect with communities beyond the conference.
PARTICIPANT INFOGRAPHICS // VIDEO INTERVIEWS // SESSION GALLERY //


When we consider making changes in our lives, we often look at the reasons why not to change first, then look at the reason why we should change.
This resistance is both genetic and biological. It takes a lot to go against this programming, but when we do, when we make the effort to truly think and act differently, the rewards are tremendous!


These online and certified (by University of College of Estate Management – UCEM) learning modules will provide ex-military with knowledge that will enable them to take the first step towards becoming
site and employment ready, i.e. gain an understanding of the construction industry as defined by employers. For example: how a construction project and a construction site operate, roles and career pathways, specific knowledge/understanding required by employers, overcoming barriers faced by ex-military.
These bespoke modules are developed through qualitative and quantitative research using surveys, along with veteran and employer focus groups. This research identified the particular issues/challenges faced by ex-military and employers and created content designed to resolve these issues.
The outcomes of these transferable
pre-employment learning modules are:
Upon completion of the modules, certification will be gained from UCEM and this accreditation can be used as evidence to employers of the individual’s knowledge of and commitment to a particular profession.
This UCEM accreditation will also come with a commitment from UCEM that the individual is
guaranteed a place on a relevant UCEM course for onward learning. This offer can be taken up as the individual moves into employment.


The Internal Revenue Service (IRS) has recently issued the Transfer Pricing Examination Process (TPEP) (Publication 5300(6-2018)), replacing the Transfer Pricing Audit Roadmap issued in 2014. As every transfer pricing issue is unique, transfer pricing examinations are factually intensive and require a thorough analysis of functions, assets, and risks, along with an accurate understanding of relevant financial information The TPEP provides a framework and a guide to best practices and processes to assist with the planning, execution, and resolution of transfer pricing examinations. The TPEP will be shared with taxpayers at the start of a transfer pricing examination, to help them understand the process and work effectively with the examination team – it will be updated regularly based on feedback from examiners, taxpayers, practitioners, and others.
Three phasesThe TPEP is comprised of three sections: Planning Phase, Execution Phase, and Resolution Phase. During the planning phase, the scope of the audit will be determined and the examination team will work with the taxpayer to establish a plan to complete the examination in a timely manner. The examination plan will be issue-focused and contain the issues identified, audit steps, timelines, and communication agreements. During this phase, the IRS issue team will gather, review, and analyze data and compute key financial ratios in order to develop a preliminary working hypothesis. This phase concludes with the opening conference.
During the execution phase, the issue team will conduct interactive discussions with the taxpayer, including using the Information Document Request (IDR) process, to develop the facts. Prior to the taxpayer orientation meetings, the issue team will review and analyze the taxpayer’s transfer pricing documentation and note areas requiring further development, confirmation, or inquiry. The issue team will also review and analyze relevant intercompany agreements and conduct functional analysis interviews, plant tours, and site visits. The taxpayer must provide the documentation within 30 days of an IRS request. Once the issue team has finished the execution phase, it will meet with the taxpayer to discuss all issues before finalizing the Notice of Proposed Adjustment (NOPA) and the Economist Report.
The goal of the resolution phase is to reach an agreement, if possible, on the tax treatment of each issue examined. If a field resolution is not reached, then the normal administrative procedures will ensue. PenaltiesThe TPEP states that penalties should be considered whenever adjustments are made to a tax return. This is in line with a separately issued IRS directive (January 2018) instructing Large Business & International examiners to more aggressively assert penalties in certain transfer pricing examinations. The issue team is directed to discuss the imposition of penalties at the same time as the primary adjustment.


____________________ 2009 Auto Restructuring Rising Used Car Prices Point to Recovery in the New Auto Market, According to Scotia Economics
TORONTO - Used car prices, a key leading indicator of the health of the overall auto market, are strengthening and point to a continuation in the global auto sales recovery, according to the latest Global Auto Report released by Scotia Economics.
"Historically, cyclical turning points in pre-owned vehicle prices lead directional changes in the new car and light truck market by three to six months, reinforcing our view that the outlook for new vehicle sales has improved significantly and that a sustained cyclical recovery is underway," said Carlos Gomes, Senior Economist and Auto Industry Specialist, Scotiabank. "Interestingly, over the past two years, the cyclical turning points in U.S. used car prices have led not only the new vehicle market, but also the directional changes in the overall economy."
Auto Sector Credit Trends
According to the report, the increased prominence of used vehicle prices as a leading indicator of overall economic activity reflects changes in credit availability. Aside from improved access to credit, a pickup in household confidence was also a key factor stimulating used vehicle demand. Consumer confidence in the United States bottomed at a record low in February (data back to 1970), before bouncing back over the summer.
Reduced Supply Will Support Prices Going Forward
A reduced supply of used vehicles, due to a sharp decline in new fleet purchases, as well as the drop in leasing over the past year, are structural changes that will continue to support used vehicle prices in both the United States and Canada. This suggests that, in both countries, firmer used car prices will be a multi-year phenomenon, not just a short-term cyclical development.
"In Canada, new fleet purchases will likely drop to less than 180,000 units in 2009, 100,000 units fewer than the average of the past decade and less than half the record volumes of the late 1980s," said Mr. Gomes. "In addition, the number of new leased vehicles in Canada will slump below 400,000 units this year, the lowest level since 1995. These sharp reductions will lead to a decline in the number of vehicles supplied to the Canadian used vehicle market by 2011."
Global Auto Recovery Remains Intact
In September global car sales, excluding the United States, posted a double-digit year-over-year increase - the strongest gain since April 2008.
Keeping with the global trend, Canadian new car and light truck sales also remained strong in September. Purchases exceeded an annualized 1.50 million units for the third consecutive month - the best performance since last October, before the late-2008 sharp sales downturn.
"This suggests that Canadian households are becoming more confident as economic conditions stabilize," commented Mr. Gomes. "We estimate that this trend remains intact, with volumes surpassing an annual rate of 1.50 million units in October."
In contrast, new vehicle purchases in the United States fell to an annualized 9.2 million units in September, as demand softened from the 'cash for clunkers'-induced 12.7 million units of the previous two months. However, volumes remained roughly in line with the level prevailing in June, prior to the introduction of the government subsidy. Purchases also remained above the early-2009 cyclical low of 9.0 million units. This suggests that the impact of the 'sales pull ahead' from the government program has largely run its course.
"In fact, Scotia Economics believes that low inventories also had a significant impact on dampening sales in the United States last month," concluded Mr. Gomes. "Preliminary estimates suggest that overall industry volumes are bouncing back, with purchases back above an annualized 10 million units in October."
Scotia Economics provides clients with in-depth research into the factors shaping the outlook for Canada and the global economy, including macroeconomic developments, currency and capital market trends, commodity and industry performance, as well as monetary, fiscal and public policy issues.


This guide from the Commonwealth Secretariat is not intended as a blueprint for implementing gender-responsive budgeting. Instead, it was developed to present basic information about gender budgets so that those
This resource pack provides relevant knowledge to facilitate mainstreaming gender-responsive approaches into reproductive health programs, and the inclusion of specific aspects of gender inequality and disadvantage into national policy frameworks.
This report discusses the compliance of government budgets with the Convention on the Elimination of All Forms of Discrimination Against Women (CEDAW). It covers expenditure, revenue, macroeconomics of the budget,
This paper proposes gender-responsive budgeting as an effective tool for monitoring the accountability of fiscal policy. Bakker first analyzes the relationship between budget and accountability in general, focusing on comprehensiveness,
This publication is divided in four sections to provide a comprehensive understanding of gender-responsive budgets. It describes the evolution of work in this area, assesses the role of different stakeholders,


Prioritise education in conflict-affected areas: Across the world 28 million1 primary school-age children living in conflict-affected countries are out-of-school, and they form half of the world’s total out-of-school population. During conflict, infrastructure assets such as schools are damaged or completely destroyed during fighting. Children may choose to stay away from school due to their and their family’s safety fears in the midst of conflict, or the need to supplement their family’s income amidst conflict-related financial loss. Children who are internally displaced by conflict face a particularly challenging task accessing education due to the specific conditions created by their displacement, such as loss of livelihoods making school fees hard to find, and discrimination from host communities. Children caught in conflict are being deprived of their right to education2 and denied the opportunity to benefit from the protective and life-sustaining mechanisms of education.
DRD, children, protection, education, Internally Displaced Persons,


This course will prepare you for the CSSLP® exam. It examines the first domain in the field of Secure Software - understanding the core security concepts that must be designed and built into all software regardless of language or implementation.
Many applications written today are vulnerable to attack or compromise. This is because many developers are unaware of how to incorporate security principles into their applications. In this course, CSSLP®: Secure Software Concepts, you'll learn the foundational concepts of security in relation to application development, and be provided with the basis for building secure software that will withstand the attacks it will face - both accidental and intentional adverse events. First, you'll explore core concepts of secure software. Next, you'll dive into understanding the process of security design. Finally, you'll cover how to understand risk in a controlled environment as it applies to software. By the end of this course, you'll have a solid understanding of the core secure software concepts and be prepared to progress into the next domain.
Kevin Henry is a passionate mentor and educator in the fields of information security and audit. Mixing experience with knowledge, Kevin delivers effective training programs for companies and individuals worldwide. A frequent speaker at prestigious conferences, Kevin is known for a clear understandable manner of imparting practical information and explaining difficult topics.
Course Overview Hi everyone. My name is Kevin Henry, a security consultant and computer analyst programmer and a holder of the CSSLP, the Certified Secure Software Lifecycle Professional certification. Welcome to my course on Secure Software Concepts, the first domain of the CSSLP certification. This course will help you prepare for and develop, implement, operate, and maintain secure software programs, and assist you in preparing for the CSSLP examination. This course is based on the latest version of the exam outline used to create the examination questions. I work in outreach as a security evangelist at Team Cymru, and I've been involved in the field of information systems, programming, security, and audit for many years. And I look forward to sharing with you knowledge and experience that can help you understand the techniques and objectives used to design secure programs. Software applications have become a favorite playground and point of compromise for criminals and hackers. Therefore, writing secure programs is essential. This course will examine the steps in secure software development, and address the ways to integrate security into the systems and software development lifecycle processes. Some of the major topics we will cover include the core concepts of secure software, the process of security design, and understanding risk in the control environment as it applies to software. By the end of this course, you'll have a solid understanding of the core secure software concepts, and be prepared to progress into the next domain of secure software requirements. I hope you'll join me on this journey to learn about the value, benefits, and features of the secure software lifecycle, and the role you can play in this exciting and rewarding field through this course at Pluralsight.


In the 1970s the cultural historian William Irwin Thompson described Richard Nixon’s resignation as U.S. President as the end of the presidency itself. He believed that Nixon’s departure symbolized a shift in the power of the office rather than just the failure of one man. The idea that leadership in the Oval Office may not be significant corresponds with the transit of transformational Pluto through executive Capricorn from 2009-2023, especially now with revolutionary Uranus coming into a stressful 90-degree square with Pluto. The point is that institutions are changing, including that of the Chief Executive in the United States, regardless of who she or he may be.
Thompson’s idea came to mind recently when I looked at the natal charts of Newt Gingrich and Mitt Romney, the leading candidates for the Republican nomination. Gingrich, unsurprisingly, is a glib Gemini with the Moon in philosophical Sagittarius with both making stressful squares to dreamy Neptune. He also has verbal Mercury in chatty Gemini closely conjunct unconventional Uranus. None of these were surprising but what is remarkable is the lack of planets in the early degrees of season starting Cardinal signs, where Uranus and Pluto will continue to trigger changes through 2015.
Mitt Romney is a Pisces with the Moon in Scorpio with only diaphanous Neptune at 9 Libra in the Uranus-Pluto transit zone. This lack of planets at these critical points made me think that neither man would be a meaningful change agent during the next few years. Barack Obama fares slightly better with sociable Venus at 1 degree of Cancer, but that’s still relatively trivial with respect to where the major planetary action is. (Transformational Pluto’s opposition to Obama’s Venus at the time of his inauguration in January 2009 reflects the breakthrough as the first mixed race U.S. president.) The absence of astrological activity is not proof of cultural insignificance but it does suggest that none of these men are likely to lead us into the dawn of a new age, which corresponds with William Irwin Thompson’s decades old belief in the withering power of the American presidency.
It isn’t surprising, though, that an office that requires vast amounts of money and media attention to obtain is not going to represent the cutting edge of American consciousness. The seven-year transit of Uranus in independent Aries is, as I’ve often stated, about individual breakthroughs leading the way to collective change. The leadership we seek lies within each of us. Yet surprisingly, Vladimir Putin’s Sun at 13 Libra is in the Uranus-Pluto transit zone, suggesting that he may play a greater role in shaping the future than the three Americans mentioned. This doesn’t mean that the old KGB spymaster will be transformed into an angel of enlightenment but that changes in Russia may be have more impact on the world’s future than we expect.


I. Citizenships in Europe: harmony and conflict. – I.1. A curious legal status perched on limitations. – I.2. EU citizenship: two lessons. – II. EU citizenship: questioning the established narrative. – II.1. Empowering the citizen – Humiliating the State. – II.2. Promoting democracy – Undermining democratic outcomes. – II.3. Promoting non-discrimination – Undermining equality. – II.4. Implications for the rule of law: the sole possibility of one type of constitutionalism. – III. We have time: the new picture is here to stay. Table of Contents: European citizenship, although derived from the nationalities of the Member States, came to play a significant independent role in reforming European constitutionalism in unanticipated ways by undermining some of the key assumptions underlying the notions of citizenship, equality and democratic accountability. Instead of lingering merely as a super-structure atop Member State nationalities, it instead reshuffles the constitutional basics and not all Europeans emerge as winners as a result. This brief Abstract: Articleprovides an introductory background for the Special Section on EU citizenship and rights of European Papers, Vol. 3, 2018, No. 3 and outlines some of the core tensions which EU citizenship brings to light. EU citizenship – equality – justice – conferral – wholly internal situations – Member State nationalities. Keywords:
* Professor of EU Constitutional Law, University of Groningen, d.kochenov@rug.nl.


Qualifying for a rental home can be as challenging as a home purchase. However, there are ways around finding the right property for you!
First, engaging a real estate professional like myself is key. You've heard the old adage: "It is not always what you know but who you know." It is about the relationship between the two agents and the relationship between the Landlord and their agent.
In the event you have marginal credit or what could be considered a derogitory background check: Here are just a few things that may allow you to rent with those issues:
Find an individual landlord vs a Management Company Pay a larger deposit or rent in advance Use letters of recommendations Find someone to co-sign for you Find a roommate Pay extra per month
Recommendations are weighty. Especially when they come from credible sources, such as a current or previous landlord, employer, even a roommate. These letters of recommendation shouldn’t only be glowing tributes to your character. They should also give insight into the nature of your financial relationship with the writer of the letter. This would soften the impact of negative entries on your credit report.
You may source for endorsements from landlords who you only had short-term leases with or even get a reference letter from your bank. The bottom line is that letters of recommendation should put your landlord at ease about responsibility and financial capability.
As your representative, these are a few of the things that I can negotiate on your behalf. I will work tirelessly representing you and only you! As compared to the Listing Agent who works for the Landlord and is obligated contractually to work only in their best interest.
Remember Real Estate Experience is not Expensive - It is Priceless... It will save you time and money! I look forward to serving your real estate rental needs! Call or Text for a direct prompt response: 281-703-0016


Bibtek download is not availble in the pre-proceeding
Feng Xie, Ruichu Cai, Biwei Huang, Clark Glymour, Zhifeng Hao, Kun Zhang
Causal discovery aims to recover causal structures or models underlying the observed data. Despite its success in certain domains, most existing methods focus on causal relations between observed variables, while in many scenarios the observed ones may not be the underlying causal variables (e.g., image pixels), but are generated by latent causal variables or confounders that are causally related. To this end, in this paper, we consider Linear, Non-Gaussian Latent variable Models (LiNGLaMs), in which latent confounders are also causally related, and propose a Generalized Independent Noise (GIN) condition to estimate such latent variable graphs. Specifically, for two observed random vectors $\mathbf{Y}$ and $\mathbf{Z}$, GIN holds if and only if $\omega^{\intercal}\mathbf{Y}$ and $\mathbf{Z}$ are statistically independent, where $\omega$ is a parameter vector characterized from the cross-covariance between $\mathbf{Y}$ and $\mathbf{Z}$. From the graphical view, roughly speaking, GIN implies that causally earlier latent common causes of variables in $\mathbf{Y}$ d-separate $\mathbf{Y}$ from $\mathbf{Z}$. Interestingly, we find that the independent noise condition, i.e., if there is no confounder, causes are independent from the error of regressing the effect on the causes, can be seen as a special case of GIN. Moreover, we show that GIN helps locate latent variables and identify their causal structure, including causal directions. We further develop a recursive learning algorithm to achieve these goals. Experimental results on synthetic and real-world data demonstrate the effectiveness of our method.


Bibtek download is not availble in the pre-proceeding
Christian Naesseth, Fredrik Lindsten, David Blei

Modern variational inference (VI) uses stochastic gradients to avoid intractable expectations, enabling large-scale probabilistic inference in complex models. VI posits a family of approximating distributions q and then finds the member of that family that is closest to the exact posterior p. Traditionally, VI algorithms minimize the “exclusive Kullback-Leibler (KL)” KL(q||p), often for computational convenience. Recent research, however, has also focused on the “inclusive KL” KL(p||q), which has good statistical properties that makes it more appropriate for certain inference problems. This paper develops a simple algorithm for reliably minimizing the inclusive KL using stochastic gradients with vanishing bias. This method, which we call Markovian score climbing (MSC), converges to a local optimum of the inclusive KL. It does not suffer from the systematic errors inherent in existing methods, such as Reweighted Wake-Sleep and Neural Adaptive Sequential Monte Carlo, which lead to bias in their final estimates. We illustrate convergence on a toy model and demonstrate the utility of MSC on Bayesian probit regression for classification as well as a stochastic volatility model for financial data.


Diabetic retinopathy (DR) is the most prevalent microvascular complication of diabetes and a leading cause of preventable blindness in the working-age population. However, due to a lack of suitable biomarkers, its prediction in asymptomatic patients is insufficient. Currently, DR is diagnosed at a stage when typical morphologic lesions become fundoscopically visible. Yet, chronically elevated blood glucose levels lead to characteristic alterations in retinal vessel caliber, blood flow, oxygen saturation, and the capillary network, which precede DR lesions. Furthermore, emerging evidence suggests that retinal neurodegenerative changes occur early in diabetes, initiating a disintegration of the retinal neurovascular unit prior to the appearance of microvasculopathy in DR. This chapter will discuss recent research achievements toward understanding the complexities of DR pathophysiology. It will focus on the nomination of potential imaging biomarkers for the prediction of DR development and progression using innovative structural, functional, and metabolic imaging techniques, including optical coherence tomography angiography (OCTA), retinal oximetry, ultra-wide field FA, and corneal confocal microscopy (CCM). Validation of these biomarkers would allow the identification of patients at high risk of developing DR and might initiate a swift move to early diagnosis and individualized care.
Part of the book: Early Events in Diabetic Retinopathy and Intervention Strategies


A transportation investment that materially improves links between centres opens up previously unavailable options for new activities. Traditional cost-benefit analysis does not adequately take account of the value of this option; real options theory must be added to the analysis to evaluate the full benefits.
This paper uses a specific example, Auckland's Harbour Bridge, to motivate the importance of real options analysis. Using illustrative, multi-period models of the real options problem, it highlights how inclusion of real options factors may either increase or decrease the attractiveness of a proposed investment.
The models identify situations in which it is optimal to invest even where a standard benefit-cost ratio is less than one.


Finding HIPAA Compliant IT Services (Tips & Insights)
Finding a HIPAA compliant company offering IT services in Rhode Island can be a challenge.
As a small or mid-sized medical organization, you need to choose a HIPAA compliant IT company that will secure protected health information (PHI) and comply with HIPAA requirements, while at the same time protecting people’s data, optimize operations, and reduce costs.
Discover what a HIPAA compliant IT service looks like and how to find one.
What Is HIPAA?
HIPAA stands for Health Insurance Portability and Accountability Act. It sets standards for protecting sensitive patient data. Medical organizations with PHI need to have security protocols for their system, equipment, and processes. They should follow these measures to ensure HIPAA compliance. Any partner, contractor, or sub-contractor that the medical organization works with and has access to the PHI needs to be HIPAA compliant.
Protected health information (PHI) refers to any data held by a covered entity concerning health care, health status, or payment for health services that one can link to an individual. It covers 18 fields of electronic PHI (e-PHI), such as Name, Social Security Number, and Diagnosis. HIPAA requires the organization to disclose this information to a person within 30 days upon request.
What Are HIPAA Privacy and Security Standards?
The Department of Health and Human Services (HHS) outlines that HIPAA Privacy Rules establish national standards for protecting PHI. The Security Rule defines national security standards for protecting PHI transferred or held in electronic form.
HIPAA Security Rules operationalize HIPAA Privacy Rules by addressing the safeguards that covered organizations need to secure e-PHI. HHS’s Office of Civil Rights (OCR) enforces the Privacy and Security Rules. Medical organizations that violate the rules directly or by association get penalties, such as fines.
Why Do Companies Offering IT Services Need to Comply to HIPAA Standards?
As medical organizations embrace technology, HIPAA compliance becomes critical to secure e-PHI. Cybercriminals may target the data, which makes the rules necessary to protect them. With the rules in place, an organization can adopt innovations while protecting the details of patients.
HIPAA Security Rule is flexible enough to allow the relevant institutions to implement procedures, technologies, and policies that suit their size, structure, and risks to e-PHI. The company providing your organization with IT services in Rhode Island needs to comply with HIPAA Regulations and Rules. This requirement protects your PHI and saves you from penalties for violating them.
Overview of HIPAA Rules and Regulations
HIPAA Regulations and Rules specifications and standards include:
1. Administrative Safeguards
Administrative safeguards are procedures and policies that show how the medical institution will comply with the act. They include:
Covered institutions need written privacy procedures and policies. They should designate a privacy officer to develop and implement all required procedures and policies. The written privacy procedures and policies need to reference management supervision and institutional agreement to observe the set security controls. The procedures should restrict access to e-PHI to personnel that need them for their functions. It should list the allowed workers or classes of employees. The policies need to address access authorization, modification, establishment, and termination. The policies need to outline how ongoing training for the relevant staff handling the e-PHI will happen. The policies should ensure external partners, such as contractors and sub-contractors, are HIPAA compliant. A medical organization can achieve this compliance by including clauses in the contract requiring the external organization, such as an MSP, to comply with HIPAA Rules and Regulations. The policies should outline a contingency plan for emergencies, such as backups and change control procedures. The policies should specify the frequency, scope, and procedures of audits. Audits need to be both event-based and routine. The regulations need to specify the instructions for responding and addressing security breaches under HIPAA rules. 2. Physical Safeguards
Physical Safeguards are measures that control physical access to prohibit inappropriate access to e-PHI. They include:
Physical Safeguards include protocols that govern the removal or introduction of software and hardware. Equipment removed from service need to undergo disposal procedures to safeguard e-PHI. Measures that control and monitor access to hardware or software with e-PHI. Only allowed personnel should access them. They also include protocols that control access powers, such as maintenance records, facility security plans, and visitor logbooks and escorts. They include measures that govern the use of workstations, such as their strategic locations away from unrestricted areas. Protocols for ensuring external partners know and comply with physical access rules and regulations. 3. Technical Safeguards
Technical Safeguards control access to computer networks and enable the relevant organizations to secure communications involving e-PHI done in open networks to ensure they reach the recipient. They include:
Information systems with PHI need protection from intrusion, such as adequate encryption for open or closed networks. Data integrity is essential, including the double-keying, digital signature, use of a checksum, and message authentication to ensure data integrity. External entities that the covered entity communicates with also need some authentication, such as password systems, telephone callback, token systems, and three-way handshakes. Covered organizations need to document their HIPAA compliance and avail supporting documents to the relevant government agencies to determine compliance. IT documents should include written policies, procedures, access records, and all configuration settings for components of networks. Covered entities need documented risk management and analysis programs. Why Choose TAG As Your HIPAA Compliant IT Services Provider
Technology Advisory Group (TAG) provides IT support and IT services to organizations in Rhode Island, such as managed IT services, cybersecurity solutions, cloud technologies, and IT consulting.
When you choose us as your IT services company we bring:
IT support from an MSP that meets HIPAA requirements for a secure network, including workstations, wireless connections, and mobile computing 24/7/365 support Reliable cybersecurity to protect your IT infrastructure A team of experienced professionals Visible returns for your IT expenditure and we will help you understand how you are enjoying our services Customized support to help your organization benefit Advice on how you can better use IT support or innovations to help you achieve your objectives
Consult with us today and let us help you leverage HIPAA compliant IT services to achieve your goals.


We're familiar with the concept of packing a "Go Bag" in the 3rd trimester of pregnancy, or if serving as active duty military. If you're someone with chronic illness who may need an emergency trip to the hospital, or someone who is at increased risk of hospitalization during the COVID 19 Pandemic, it's a good idea to pack a "Go Bag" now.
In the preceding blogs titled Crash Course in Nursing Homes, Part 1, Part 2 and Part 3, I shared Susan's experiences with illegal nursing home practices and lessons learned. This post summarized the lessons learned for easy reference. You may think you're admitted to the hospital but you may actually only be on observation status. Observation status does not qualify you for medicare coverage for a skilled nursing facility. Ask your nurse, doctor, or the admissions team if you are "admitted" or on "observation status." Lesson 1: Rehab/nursing home stays are only covered by Medicare if a patient is first admitted to a hospital for 3 midnights.
When they hear "palliative care," most people think "hospice"--but this isn't quite correct. While hospice does include palliative care, palliative care is not limited to patients qualified for hospice. Palliative care focuses on relief from the symptoms of illness and addresses physical, emotional, and spiritual needs. Many hospital systems now employ palliative care specialists and some outpatient centers do as well. Some hospice organizations are offering palliative care services in the home to patients not qualified for hospice.
Urinary Tract Infections (UTIs) are an infection anywhere in the urinary tract system, though we commonly think of them as bladder infections. For most younger adults, they are a simple infection that causes pain in the low pelvis, burning with urination and frequency. However, as we age, typical symptoms are different and the infections can be more serious. UTIs are a common source of infection in the elderly, ranked #2 after upper respiratory infections. If untreated, they can lead to infection of the kidneys (pyelonephritis), sepsis (overwhelming infection in the blood stream), and even death.


Agricultural production increasingly uses pesticides to control pests and other crop problems. Such products are, in general, toxic and leave residues in food and soil, contaminating not only groundwater, but also the food chain. On the other hand, there is a growing prospect of a healthier diet, organic farming, that has a high cost when compared to foods grown with synthetic chemicals.
Through an innovative technology, we intend to study economically and socially significant pests for agriculture in Brazil, with the aim of developing a specific biopesticide for local agriculture. We believe that our approach can represent a paradigm shift in the treatment of agricultural pests.


The committee is also tasked with mitigating obstacles regarding the recall of unused spectrum, from state agencies for the National Broadcasting and Telecommunications Commission (NBTC), in exchange for compensation. It is expected to enhance cooperation between related agencies for 5G development support.
Deputy prime ministers Somkid Jatusripitak, Prawit Wongsuwon and Wissanu Krea-ngam serve as the deputy chairmen of the committee. The minister of finance, minister of tourism and the minister of education are also part of the committee.
The permanent secretary for the Digital Economy and Society Ministry serves as the director and secretary of the committee.
This committee is formed to promote vertical 5G development, ensuring optimum benefits of 5G adoption for the economy and end users. It will promote a clear roadmap for 5G adoption and infrastructure development by ensuring the participation of representatives from key ministries, said Thailand NBTC secretary-general Takorn Tantasith.
The COVID-19 pandemic has prompted Thailand's major telecom operators to rev up deployment of 5G technologies. The country's top mobile operators are racing to deploy 5G networks at hospitals to support doctors and medical personnel to fight the virus.
“Application of 5G to public health demonstrates how digital infrastructure can have a significant impact on people's health during a major emergency,” said Buddhipongse Punnakanta, Thailand Digital Economy and Society Minister.
The Digital Economy and Society Ministry, together with Huawei Technologies Thailand, are providing AI-assisted solutions with 5G technology to hospitals in the country with the aim of enabling output diagnosis results more efficiently through a high-speed network. Industrial organizations such as GSMA pointed out that 5G technologies are crucial in the fight against the pandemic and will be a “backbone” for the economic recovery. It is increasingly accepted in the industry that ICT and digital economy will be a major push as work resumes post pandemic.


Pfizer and BioNTech, the companies that recently announced their experimental coronavirus vaccine is 90% effective, has signed a distribution agreement with the European Union for 200 million doses of the vaccine.
The Hill reported that the European Commission would distribute the vaccine. In light of Pfizer’s vaccine trials and other companies such as Eli Lilly’s antibody treatment, many are hopeful a successful vaccine will be available by the middle of 2021.
“Since the onset of the pandemic, Pfizer’s priority has been to develop a safe and effective vaccine, while simultaneously scaling up our manufacturing to deliver doses before the end of the year. This is an ambitious goal but critical to halting this global pandemic,” said Pfizer CEO Albert Bourla.
“Today’s finalized supply agreement with the European Commission represents the largest initial order of vaccine doses for Pfizer and BioNTech to date and a major step toward our shared goal of making a COVID-19 vaccine available to vulnerable populations,” he added.
Many European countries, faced with a second wave, has been initiating localized lockdowns.


IRS announces tax relief for Nebraska and Iowa disaster victims TAX ALERT |
Recently, in separate notices, the IRS announced tax relief for taxpayers impacted by the recent winter storm that caused flooding in the Midwest. On March 22, the IRS published notice NE-2019-02, providing tax relief for regions of Nebraska impacted by the recent winter storm. Currently, the relief for regions in Nebraska is limited to Butler, Cass, Colfax, Dodge, Douglas, Nemaha, Sarpy, Saunders and Washington counties. On March 25, 2019, the IRS issued notice IA-2019-02, providing relief for Fremont, Harrison, Mills, Monona and Woodbury counties in Iowa.
Like tax relief for other major disasters, these provisions also extend to taxpayers not located within the declared disaster area, but whose records necessary to meet a tax filing deadline are located within the impacted declared areas. Additionally, impacted taxpayers include workers assisting with the relief efforts who are affiliated with a recognized government or philanthropic organization. All qualifying taxpayers with an address outside of the impacted areas must contact the IRS at 866-562-5227.
Grant of relief
The tax relief postpones various tax filing and payment deadlines due on or after March 9, 2019 and before July 31, 2019 for Nebraska locations and deadlines on or after March 12, 2019 and before July 31, 2019 for Iowa locations. As a result, affected individuals and businesses have until July 31, 2019 to file returns and pay any taxes that were originally due during this period. That includes upcoming tax year 2018 filings for calendar year taxpayers due on March 15, 2019 and April 15, 2019 as well as deadlines for making quarterly estimated tax payments. Specifically for impacted individual tax filers, the relief applies to their 2018 income tax returns that are otherwise due April 15, 2019. The relief also applies to tax-exempt organizations operating on a calendar-year basis that have a Form 990 due on May 15, 2019.
In affected Nebraska counties, the IRS will waive any late-deposit penalties for federal payroll and excise tax deposits normally due on or after March 9, 2019, and before March 25, 2019, if the deposits are made by March 25, 2019. In affected Iowa counties, the IRS will waive any late-deposit penalties for federal payroll and excise tax deposits normally due on or after March 12, 2019, and before March 27, 2019, if the deposits are made by March 27, 2019
The IRS automatically provides filing and penalty relief to any taxpayer with an IRS address of record located in the disaster area. Thus, taxpayers need not contact the IRS to get this relief. However, if an affected taxpayer receives a late filing or late payment penalty notice from the IRS that has an original or extended filing, payment or deposit due date falling within the postponement period, the taxpayer should call the number on the notice to have the penalty abated.
These declarations also trigger special provisions that give affected taxpayers the option of claiming disaster-related casualty losses on their federal income tax return either in the year the event occurred or in the preceding tax year. While personal casualty losses are no longer deductible beginning with the 2018 tax year as a result of tax reform, personal casualty losses attributable to a federally declared disaster may be claimed as a qualified disaster loss. See Publication 547 for details.


Abstract
Caco-2, a human differentiated intestinal epithelial cell line, is a promising model for investigating the mechanism of polarized targeting of apical and basolateral membrane proteins. We stably transfected rat GLUT5 cDNA and rabbit GLUT1 cDNA into Caco-2 cells with an expression vector. Immunohistochemical study revealed that the GLUT5 protein expressed was localized at apical membranes and that the GLUT1 expressed was present primarily in the basolateral membranes of cells grown on permeable support. Next, to investigate the domain responsible for determining apical vs. basolateral sorting in glucose transporters, we prepared several GLUT1-GLUT5 chimeric cDNAs and transfected them into Caco-2 cells. A GLUT1 [N terminus- sixth transmembrane domain (TM6)]-GLUT5 [intracellular loop (IL)~C terminus] chimera was observed exclusively at the apical membrane, while GLUT1 (N terminus~IL)-GLUT5 (TM7~C terminus) and GLUT1 (N terminus~TM12)-GLUT5 (C- terminal domain) chimeras were observed mainly at the basolateral membrane, a localization similar to that of GLUT1. Moreover, using a recombinant adenovirus expression system, we expressed a GLUT5 (N terminus~TM6) - GLUTI(IL)-GLUTS(TM7~C-terminus)chimera, which was observed at the basolateral membrane. Based on these results, the C-terminal domain does not determine isoform-specific targeting of GLUT1 and GLUT5. Rather, it is the intracellular loop in glucose transporters that appears to play a pivotal role in apical-basolateral sorting signals in Caco-2 cells.
ASJC Scopus subject areas Molecular Biology Endocrinology


We used to plan all the learning experiences in advance. If the entire unit is planned out in detail, where are the opportunities for learners to drive the inquiry? How do they take ownership of their learning and lead it in new directions?
We do, at my school, plan the big picture, of course. We build on where the learners have come from and ensure clarity on the conceptual direction. We know what we hope the learners will come to understand and the skills and dispositions required to support the learning. But plans are flexible and responsive to what the learners reveal. The individuality of the journey, the specific teachable moments, and the ways the learning might impact or transform each learner, depend on how the inquiry unfolds.
As we shift to an increasingly emergent model, the learning is becoming more meaningful. The more we take an inquiry stance, seeking to notice what our learners are curious about and how best they learn, the more competently we can support them in moving forward. The more thoughtfully we reflect on what is revealed, the more effectively we can respond.
When questioned recently about our strategic plan, I realised that this is also how we, as leaders at my school, plan. We know where we have come from and we can identify goals for moving ahead. And then what? We value the power of ‘what if’ and ‘how might we’ questions to provoke thinking, encourage dreaming and support our inquiry stance.
Here too, it seems our model is more emergent. The more attentively we observe and notice ourselves and others, the more we are able to explore possibilities. The more thoughtfully we reflect on the nuances of complex issues, openly examine tensions and actively disrupt the status quo, the more ready we are to experiment with innovative solutions.
Creating a carefully laid out action plan in advance, with specific strategies and tasks, is not, it seems, our optimum style.


The Business Auto Policy typically extends Liability coverage to all Corporate Employees for vehicles Hired or Borrowed by the
Name Insured (generally a Corporation). Your Business Auto Policy will function in excess of the Hired or Borrowed vehicle’s insurance. However, Liability coverage is not extended to any employees (frequently Officers/Owners) when they or their spouse borrow or rent a vehicle for their personal use. A coverage gap occurs if they do not have vehicles registered in their personal names or that of their spouse as they then have no Personal Automotive Policy coverage to respond. This same exclusion of coverage would apply to Uninsured/Underinsured Motorist coverage also.
Typically, many people tend to rent vehicles while on vacation, generally in their personal names. If this occurs, the individual is relying on the limits provided by the Rental Company. We strongly suggest that Owners/Executives consider the addition of Drive Other Car Coverage, which will allow the Corporate Automobile limits to follow them if they
Rent or Borrow a vehicle in their personal name within the United States, its Territories and Possessions, Puerto Rico and Canada.
The cost varies per Company but generally is in the $250 range for each individual designated on the Commercial Auto Policy.
If this exposure exists, we strongly suggest that you consider this coverage. Please contact your Agent or Customer Service Representative if you desire more information.