Rapper Bad Bunny is currently scheduled to be in the Royal Rumble Match on Saturday, according to Ringside News.
It’s likely that Bad Bunny will not be at WrestleMania 38 this year, but anything is possible. He’s currently scheduled for a three-night tour-wrapping concert in Miami on April 1, April 2 and April 3, which is WrestleMania Weekend.
It’s likely that this is just a one-off appearance as the rapper is scheduled to begin his 35-stop arena tour on February 9 in Denver. The tour quickly sold out last April, due to a push from his WWE run, and broke Ticketmaster’s record for most tickets sold on its first day of sales, and also crashed their system. WWE promoted the tour on this week’s RAW episode. Due to the quick sellout of the tour beginning in February, Bunny just announced a 29-stop stadium tour that will begin on August 5 in Orlando, and wrap in December with stops in Latin America.
After performing at the WWE Royal Rumble in 2021, Bunny began a program that led to he and current WWE United States Champion Damian Priest defeating John Morrison and The Miz at WrestleMania 37. Bunny also became a one-time WWE 24/7 Champion in February, capturing the title from R-Truth, but then relinquishing it back to him later on.
Stay tuned to PWMania.com for the latest.


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Carmen House is a minimalist residence located in Alicante, Spain, designed by Carles Faus Arquitectura. The design of the house was born with an eye on the style of the Ibizan country house: simple, clear lines, controlled light and white. A rectilinear formality was considered without too many deviations from the plans that make up the main axes of the house. Access to the interior of the house was created through a side access, located on the north facade. This access is accompanied by a large opening, which frames us the views from the kitchen and dining area, increasing the relationship between both spaces, housing a small green line of the outside garden inside the main room. The entrance opens the space of the main living area, a space of double height that allowed the designers to break the exterior continuity.
Photography by Mariela Apollonio

domain: artistic


MP3 Eddy Shin - Grey Skies Clear
This file is no longer available on Tradebit.
10 MP3 Songs in this album (53:01) !
Related styles: Rock: Adult Alternative Pop/Rock, Blues: Jazzy Blues, Solo Male Artist
People who are interested in Eric Clapton John Mayer Sara Bareilles should consider this download.
A young singer/songwriter/guitarist from Atlanta, GA, Eddy Shin was introduced to music at the tender age of six through the cello. As he grew, he became fascinated with the guitar and the ability to improvise and create music, rather than read it off of a sheet. Switching to guitar at 14 and self-teaching himself, he gradually honed his skills, listening to other guitarists such as Stevie Ray Vaughan, Eric Clapton, and Eric Johnson. He began using his guitar skills not only to play others' music, but also to write his own. Thus began his journey into attempting to record songs on his own. After a couple of years, he also began the arduous process of bringing his post-pubescent voice to maturity in order to be able to sing his own songs.
Going into college at the University of Georgia as a pre-med biochemistry major, he grew interested in furthering his ability to record, mix, and master and also met other musicians who were interested in playing his music. Nick Joiner and Louis Romanos joins him on the drums on some of the tracks of Grey Skies Clear, as well as Aaron Kang, who plays the bass. A couple of the tracks, "Rain" and "When Time Unwinds", were entirely composed, played (including drums, bass, and other instruments), and produced by Eddy. The album includes songs written from the beginning of his journey through music to the present and can be seen as a timeline of sorts.
Grey Skies Clear is the culmination of several years of struggling between passion and practicality and marks a crossroads, where Eddy is unsure about continuing a path to a career in medicine or pursuing a career in music.
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A member of the Galadari clan, and the young owner of the Galadari Investment Office, he is linked to some of the world’s top real-estate developers.
August 18, 2008 7:44 by kippreport
The owner of the Galadari Investment Office (GIO), the luxury holding division of Dubai-based Galvest, he broke away from his family business to start his own empire. His company recently announced plans to spend around $1.5bn to acquire existing properties in the GCC and European markets. According to reports, he is also looking at expanding the GIO brand across the world, into fashion and jewellery – and also luxury travel.
GIO was launched in 2005 and Galadari has been investing heavily in the construction of luxury real-estate projects and is currently developing the company’s flagship project – the G Tower in Dubailand.
Abu Dhabi's TDIC delays fundraising plans for huge shopping mall
The online industry: Your life, on screen
Lack of sleep is affecting you more than you think
Region’s top business leaders recognised at TOP CEO awards
World’s Tallest Hotel not to be built in Dubai

domain: news


The world has just had the best backpacks of all time.
We’ve got our hands on the new Nike Ultra Boost, a lightweight pack that costs $2,700 (£1,500) and packs in everything from a laptop and a smartphone to a hiking stick and a bag.
How did it do it?
Weighing in at just 4.3kg (8.2lb), it’s the most lightest backpack on the market.
What’s more, the pack’s performance comes in a pack of a few hundred of these, meaning the pack will last for years.
But, unlike the previous lightest backpack, the Ultra Boost can also pack in a laptop or tablet, which makes it ideal for travel.
We’re also excited to see the Nike Nano Boost, which is the first pack in the Nike line to use a synthetic material.
And, like the Ultra, it’s got a laptop pocket.
The best way to go backpacking The Nike Ultra’s lightweight construction is a great fit for backpackers who prefer to pack light.
It has plenty of room for a laptop, smartphone or tablet in the back.
The backpack has two zippered pockets in the shoulder straps and a removable laptop sleeve, but you can also add a laptop sleeve in the front for added comfort.
The design of the pack is simple, with a single strap that you can easily adjust to suit the way you’re wearing it.
The Nike backpack comes in two colors: a navy-grey and a gold-grey.
We also like the look of the Nike mini backpack, which has a large, lightweight nylon strap and an elastic waistband that is adjustable to fit any length you want.
It’s a great option for people looking to travel light, but also those who want a more traditional backpack that’s also very comfortable.
How to use the Nike UltraBoost Nike UltraBOOST is available in three sizes: Light, Medium and Large.
The Ultra Boost weighs 4.9kg (11.5lb), but packs in around 100 of them.
The pack has an average of 4.5mm (0.3in) of space for your laptop or mobile.
When you add the Nano Boost and the UltraBoost, it comes to a total of about 3.8mm (1.2in) in the pack.
How do you use it?
You’ll need a backpack that can handle the extra weight, which means it’s best to start by taking the UltraBOLts backpack apart to get to the inner workings of the backpack.
The inner workings are simple: a single zipper holds the front flap closed and the rear flap open.
The flap opens and closes with a quick push of the right hip strap, and then the flap folds back inwards to close the flap completely.
You’ll find a single-layer, soft mesh pocket at the bottom of the flap.
If you’re not wearing any kind of bag, you can fold it down and use it as a laptop/phone pocket.
If that’s not an option, there’s a separate pocket on the right side of the shoulder strap.
This pocket can also hold your phone or tablet.
The side pocket has a small, removable zipper that opens up into a pouch at the end of the zipper.
If your bag doesn’t have a pouch, the Velcro strap will secure the pouch closed, making it easy to keep your bag organized and safe.
When it comes down to it, the Nike backpack is the best choice for backpacker in the world, which may seem a little counterintuitive given that its price tag.
But we think it’s a smart choice because, in the end, it means less weight and more comfort.


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Exploiting Opponents' Patterns: Blackjack Hit, 1. The Foundation: Luck in Roulette:
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Virtual reality introduces a transformative layer to live dealer games. Players can sit at a virtual table, interact with live dealers in a lifelike manner, and engage with fellow players. This convergence of live dealer experiences with VR technology adds a social dimension to online gaming, bridging the gap between the convenience of online play and the sociability of land-based casinos. Best Online Blackjack App, Poker games can vary in pace, and being mindful of the time is essential. We'll discuss the importance of making decisions promptly, avoiding unnecessary delays, and being considerate of other players' time.
Blackjack Online Spielen Play and Bet Blackjack Deviations Fun Games to Play for Free VR technology transports players to a virtual world, creating an immersive gaming experience. Online pokies are increasingly incorporating VR elements, allowing players to feel as if they are physically present in the game. We'll explore the impact of VR on gameplay, graphics, and overall player satisfaction.
The integration of Augmented Reality in online casinos represents a significant step towards creating more immersive, interactive, and engaging gaming environments. As technology advances and adoption increases, the future promises a new era of online casino experiences that seamlessly blend the digital and physical worlds. In blackjack when should you split, Behavioral Analytics for Player Retention:
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domain: game


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15 Minutes to Build to a Heavy
3RM Bench Press
*Use a spotter!!
75 Overhead Squats (95/65)
*Run 200m Every Time the barbell is dropped
Note: The entrance to the gym is located down the sidewalk to the right of the garage.
215B CHESTER AVENUE ATLANTA, GA 30316

domain: geography


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Signs that your cat is in pain
Knowing when your cat is pain may not be as easy as it sounds. Cats have a natural inclination to mask their pain. This was thought to be part of their defence process to show predators they were still capable of protecting themselves. This may cause some complications for owners who can’t detect illnesses and pain in their feline pets. If you pay close attention to your cat, there are some clear signs that will alert you that your cat is in pain.
Typical cats have the natural ability to manage their food intake on a regular basis. So when you find that your cat has a decreased appetite, it can be an indication that something is wrong. This loss of appetite could be due to problems with their internal organs that could be causing discomfort or pain in your pet. It is a good rule of thumb to always monitor their food intake rather than letting them feed themselves.
If you find that your cat has a change in their gait or posture this is an obvious sign that they could be hurt. This is especially true if this is accompanied with decreased activity in their daily routine. Cats are generally very active and social animals. A lack of activity is a clear sign that their movements are hurting them and disrupting their normal activities during the day.
Change in mood
Cats can sometimes be temperamental but severe mood changes can mean that they are in pain. As a social animal, cats will try to be active with their owners and are usually close by. If your cat seems withdrawn and stopped rubbing themselves on you, it is another sign of an illness. If suspect that your cat is in pain, you should immediately take them to your local vets in county Durham.

domain: medical


Comparing the RF, Bluetooth, and Wi-Fi between Apple’s Wi-Fi iPad and 3G iPad.
In a previous blog post I reviewed using an Apple iPad as a tool for Wireless LAN Professionals. (http://wlanpros.com/iPad1)
And then did more detailed analysis of Wi-Fi and Bluetooth results from the initial Wi-Fi iPad. (http://wlanpros.com/iPad2)
In this blog and podcast I’ll be delving further into the radios included in the current two versions of Apple’s iPad.
Devices Used in Tests
First, lets introduce the players. I tested the following devices:
- Apple iPhone 3GS – MAC FF:6F
- Apple Wi-Fi iPad– MAC 39:C9
- Apple 3G iPad – MAC 54:9C
- Apple MacBookPro 13” – MAC 3C:D3
- Sprint Overdrive AP – MAC EC:D8
Bluetooth Signal Strength Test
For the first set of analysis, I compared the results of each portable station device broadcasting a Bluetooth Discovery signal. This is a pseudo-random frequency-hopping pattern. Each device was held the exact same distance from an external antenna attached to an AirMagnet Spectrum Analyzer. (Cognio chipset)
The results show the iPhone was strongest, followed by the Wi-Fi iPad and finally the 3G iPad.
I was a bit surprised with these results. I had thought the 3G version, with it’s RF friendly plastic antenna cover near the top would have been better than the Wi-Fi only version.
The plastic cover houses the 3G and GPS antennas in the 3G version, yet the Wi-Fi radio antennas are in the exact same location (behind the Apple logo) in the center of the iPad’s back. See the following URL for a detailed breakdown and photos of these parts. http://www.ifixit.com/Teardown/iPad-3G-Teardown/2374/1
Average Bluetooth Signal Strength
iPhone 3GS -48 dBm
Wi-Fi iPad -50 dBm
3G iPad -52 dBm
This test leaves a lot of variables, but it is still a fairly effective way of testing various RSSI of each device without actually attaching directly to the device in question.
802.11 Signal Strength Test
The next test used an AirMagnet Wi-Fi NIC and the AirMagnet Wi-Fi Analyzer software to report the RSSI of each device in dBm.
As expected the AP came in fairly strong, and amazingly the MacBookPro was right up there. Followed by the portable clients, in the same order as before.
Sprint Overdrive AP -36 dBm
MacBookPro 13” -32 dBm
iPhone 3GS -40 dBm
Wi-Fi iPad -50 dBm
3G iPad -52 dBm
802.11n Capability Analysis
Again, using the AirMagnet Wi-Fi Analyzer, I looked at the decodes to see what various parameters the devices supported.
802.11n Efficiency Analysis
Using the .11n Efficiency tool in WFA, I next compared the supported data rates and capabilities between the MacBookPro and the 3G iPad. The MBP far exceeds the throughput capacity of the iPad. The laptop could, in the best of circumstances transmit a symmetric 140 Mbps, whereas the iPad could reach just under 65 Mbps. (mostly because of the differences between an MCS of 15 on the MBP and only an MCS of 7 on the single radio-chain in the iPad.
802.11n Frame Analysis
Below is the capture of an iPad connecting to the Spring Overdrive. No one has ever applauded Apple’s wireless stacks. One of the other stated problems with iPads on a variety of campuses has been the problem with their processing of DHCP lease times.
Laura Chappell has also done extensive analysis of the ‘chatty’ nature of Apple’s stacks, not only on iPhones and iPads, but on all their clients. (don’t get me started on Client firmware and drivers… all vendors do some weird stuff – all meeting 802.11 specs, but the specs have lots of ‘optional’ bits.
For those of you who are into packet decodes, what type of authentication and encryption is being used in this exchange?
I had purposely picked up a 3G iPad on the assumption the radios would work better than the Wi-Fi version. I was surprised to find with the two I tested the Wi-Fi version reported slightly higher results in both Bluetooth and 802.11 signal strengths.
I would still recommend the 3G version for the far superior GPS that is included onboard, as well as the capability to add a 3G signal (with a paid plan) in the future.
I would think the update to the OS later this year to 4.0 version will also improve the Wi-Fi and other radio bits with patches/fixes that come as a vendor gets an extended ‘beta’ test. As of this posting Apple has already sold over 2 million iPads – that should give them a very large pool of ‘testers’ to help them better refine their firmware and algorithms for 802.11 connection and roaming in a future update.
For now I’m still carrying my Spring Overdrive with me for 3G/4G Internet access that can be shared between all my devices.
I personally haven’t found any issues with either of my iPads with respect to Wi-Fi and dropped signals. (knock on wood) – but I was already using the recommendations, separating 2.4 GHz and 5 GHz into different SSIDs.
After having the iPads for many weeks of testing, I’m even more impressed with the technology. One easy way to sum up my iPad experience, of all those who might complain the iPad isn’t this, or isn’t that, or doesn’t support flash, or any of the many complaints… none of them actually owned an iPad! All those iPad owners I’ve communicated with are totally enamoured with the product and use it more than they ever expected.
No, it won’t replace my laptop anytime soon, but it sure make a fantastic light-weight addition. It is wonderful for the consumption of media, from TV shows, to games, to technical PDFs, to staying up on RSS feeds, to reading/watching news, and finally it totally replaced my Kindle.
I can’t recommend the iPad any higher. I am just waiting for Apple’s next developer code to support Wi-Fi analysis in the public infrastructure, http://www.wlanbook.com/iphone-wifi-scanner-apps-banned-by-apple/ then we’ll see some fantastic tools for the Wireless LAN Professional on this platform. I’ve included a couple graphics from iPhone Wi-Fi apps that I happened to already have before the ban a couple months ago, so you can see what might be coming soon.
Thanks for listening.
We’d love to have you subscribe to our RSS feed – just click the button in the upper right corner of the web page. Until next week, thanks for listening!
If you have any feedback on the show – please drop an e-mail to [email protected].


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MF spoke to the BBQ masters to find out which regional style is the best, how to make your own sauce, and what common mistakes beginner BBQ-ers are making.
Master the grocery store with chef Spike Mendelsohn's fool-proof tip. Do it right, and you might walk out of the supermarket with a new girlfriend.
The art of ditching your diet for a cheat meal to maximize your workouts.
Why you should be filling up on these fiber-rich fruits as you prep for shirtless season.
Not eating them? This is why you should be—plus 6 easy recipes.
If you have a craving that must be satisfied, choose these fitness friendly treats!
Whether you're looking to lose or gain, here's the equation to calculating exactly how many calories you need.
Be prepared to whip up a gourmet-style meal with the help of these simple staples.

domain: food


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Oil prices quoted on this Website are based upon information provided by oil dealers, without independent verification by Energy Data, LLC. Energy Data, LLC updates this information daily, but makes no representation or warranty regarding the price, quality, delivery or availability of oil by the dealers referred to on this Website. *prices Brent Crude Oil Price Chart and Latest News View the latest price for Brent Crude Oil, including historical data and customisable charts, plus Crude Oil ETCs and the latest research and news. 10 Best Oil and Gas Stocks for This Year - Top ... - TheStreet Apr 01, 2020 · Every day TheStreet Ratings produces a list of the top rated stocks.These 10 gas and oil stocks are rated highest by TheStreet Ratings' value-focused stock rating model. What is the ticker symbol for oil? How was it chosen? - Quora
Crude oil prices & gas price charts. Oil price charts for Brent Crude, WTI & oil futures. Energy news covering oil, petroleum, natural gas and investment advice
Mar 8, 2020 Oil prices dropped as much as 30% following the unexpected Saudi decision to Oil prices and stock indexes were in freefall Sunday after Saudi Arabia Zip code. Phone Number. Sign up for Today's Top News Newsletter. Mar 9, 2020 “It was an overvalued stock. Maybe this will mean that people recalibrate it,” Beveridge said, although he pointed out that with some stocks falling Mar 11, 2020 Oil prices are at multi-year lows, and energy stocks are in a death spiral. Eventually they'll rebound, and you'll want to own these oil ETFs when Mar 9, 2020 Crude oil prices are collapsing, and U.S. shale oil stocks could go bankrupt in the aftermath of Russia and Saudi Arabia's price war. Mar 9, 2020 Trump downplays coronavirus fears, oil price war as stock market plunges. By Sylvan Lane Tweet player failed to load.(Error Code: 100013).
Apr 01, 2020 · Every day TheStreet Ratings produces a list of the top rated stocks.These 10 gas and oil stocks are rated highest by TheStreet Ratings' value-focused stock rating model.
Stock analysis for Oil Search Ltd (OSH:ASE) including stock price, stock chart, company news, key statistics, fundamentals and company profile. Crude Oil Price Today | Brent OIL PRICE CHART | OIL PRICE ... The price of oil is the most important value on international commodity markets since crude oil is the most important commodity. Emerging industrial markets such as China, India and Latin America
View the crude oil price charts for live oil prices and read the latest forecast, news and technical analysis for Brent and WTI. Indices Get top insights on the most traded stock indices and
Share prices | Shell Global Use our share price calculator Historical Royal Dutch Shell plc & BG Group plc share prices Historical pre-unification share prices On July 20, 2005 the unification of Royal Dutch Petroleum Company and The "Shell" Transport and Trading Company plc under a single parent company, Royal Dutch Shell plc, … Code for Crude Oil Dashboard - Oil Price
OPEC Oil Basket Price Stock Quote | Stock Price for OPEC
What Is the Stock Symbol for Crude Oil? | Reference.com The stock symbol for crude is WTI, which stands for West Texas Intermediate. Used as a benchmark in oil pricing, WTI is also referred to as Texas light sweet oil. WTI is a light crude oil mostly refined in the Midwest and Gulf Coast regions in the United States. Share prices | Shell Global
What code should I enter in a stock app for Brent Oil or WTI ? Not sure about Google specifically, but most stock apps (Including the Apple iOS app) can track WTI prices. First the price being traded is a "futures" price so the stock ticker is different every month based on "date of delivery". So you will have to go into the app every Oil Price Chart - History & Analysis - eToro May 06, 2019 · Live Oil price, OIL real-time value charts and advanced technical analysis tools (Japanese candles, Fibonacci and more). Live Oil price, OIL real-time value charts and advanced technical analysis tools (Japanese candles, Fibonacci and more).

domain: economics


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It’s incredibly easy for distance Coasters to relish the amenities of Sin City without hopping on an airplane or quitting several high-rolling enjoyable the famous urban area offers.
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domain: entertainment


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Jan Mitchell was making her way across Highway 1 to Whitewood, Saskatchewan when she came across a tragic sight. There, at the edge of the road was a dead moose, killed by an oncoming vehicle.
Upon further investigation, Mitchell discovered a moose calf hiding nearby, and after much coaxing and patience, managed to capture it for delivery to the Moose Mountain R&R Wildlife Rehabilitation Centre.
Since its admittance to the centre, the moose, christened Mercy, has grown steadily stronger, which is apparent from regular picture updates on the centre’s Facebook page.
At this age, the calf is drinking approximately 20 ounces of moose milk per day, a dietary demand that will only grow as time goes on. The centre estimates it costs $150.00 per day to look after a fawn, but they are happy to look after Mercy until the fall, when the young moose will be released once again into the wild.
If you would like to donate to the rehabilitation centre, and to see weekly updates of Mercy’s progress, visit their Facebook page for details on how you can help them continue their mission to rescue wild animals.


The routine may be called by the names f08tef, nagf_lapackeig_dspgst or its LAPACK name dspgst.
To reduce the real symmetric-definite generalized eigenproblem , or to the standard form using packed storage, f08tef must be preceded by a call to f07gdf which computes the Cholesky factorization of ; must be positive definite.
The different problem types are specified by the argument itype, as indicated in the table below. The table shows how is computed by the routine, and also how the eigenvectors of the original problem can be recovered from the eigenvectors of the standard form.
Golub G H and Van Loan C F (1996) Matrix Computations (3rd Edition) Johns Hopkins University Press, Baltimore
1: – IntegerInput
On entry: indicates how the standard form is computed.
if , ;
if , .
if , ;
if , .
, or .
2: – Character(1)Input
On entry: indicates whether the upper or lower triangular part of is stored and how has been factorized.
The upper triangular part of is stored and .
The lower triangular part of is stored and .
3: – IntegerInput
On entry: , the order of the matrices and .
4: – Real (Kind=nag_wp) arrayInput/Output
Note: the dimension of the array ap
must be at least
On entry: the upper or lower triangle of the symmetric matrix , packed by columns.
if , the upper triangle of must be stored with element in for ;
if , the lower triangle of must be stored with element in for .
On exit: the upper or lower triangle of ap is overwritten by the corresponding upper or lower triangle of as specified by itype and uplo, using the same packed storage format as described above.
5: – Real (Kind=nag_wp) arrayInput
Note: the dimension of the array bp
must be at least
On entry: the Cholesky factor of as specified by uplo and returned by f07gdf.
6: – IntegerOutput
On exit: unless the routine detects an error (see Section 6).
6Error Indicators and Warnings
If , argument had an illegal value. An explanatory message is output, and execution of the program is terminated.
Forming the reduced matrix is a stable procedure. However it involves implicit multiplication by if () or (if or ). When f08tef is used as a step in the computation of eigenvalues and eigenvectors of the original problem, there may be a significant loss of accuracy if is ill-conditioned with respect to inversion.
See the document for f08saf for further details.
8Parallelism and Performance
f08tef makes calls to BLAS and/or LAPACK routines, which may be threaded within the vendor library used by this implementation. Consult the documentation for the vendor library for further information.
Please consult the X06 Chapter Introduction for information on how to control and interrogate the OpenMP environment used within this routine. Please also consult the Users' Note for your implementation for any additional implementation-specific information.
The total number of floating-point operations is approximately .
This example computes all the eigenvalues of , where
using packed storage. Here is symmetric positive definite and must first be factorized by f07gdf. The program calls f08tef to reduce the problem to the standard form ; then f08gef to reduce to tridiagonal form, and f08jff to compute the eigenvalues.


The Indian footwear industry: Walking on eggshells
As a consumer you might forget to buy many things, but if you forget to buy these…well you won’t be able to go anywhere. If you haven’t guessed it already, we are talking about footwear. But every coin has its flip side. The truth is that in these fraught times, the footwear industry is grappling with many challenges and is just about managing to stay afloat.
Anushruti Singh April 23, 2022
MORE IN Features
Casual, colourful, chic or comfortable.
One can define footwear using many adjectives. And everyone has their own preferences. India especially, is known for the wide variety of footwear that can be found in its markets.
Over the years, India’s panache for footwear has evolved in many senses and is known worldwide. To begin with, being one of the largest markets for footwear, India comes second only to China in terms of footwear consumption.
Estimates curated by ICICI Securities say that in 2020, India consumed around 2.56 billion pairs. This was a surge of 4.5 per cent from 2015. Total footwear consumption is estimated to be at 2.9 billion pairs by 2025.
Whereas Statista says that by 2022, 95 per cent of sales will be attributable to non-luxury goods, as the rise of e-commerce contributes significantly to the purchase of footwear online.
Considering this context, the footwear sector is critical for India’s economy. Contributing 2 per cent to India’s economy, this sector employees over 2.5 million people and can further create two million jobs down the line. Meanwhile, a majority of the footwear manufactured in India is domestically consumed. The remaining are exported, as they are specifically meant for the American and European brands.
If we go by market forecast estimates, then market is growing significantly.
Its value is expected to grow at a CAGR of 15 to 17 per cent from Rs 920- 950 billion in 2022 to ~Rs 1,380- 1,450 billion in 2025.
In brief, this growth has occurred on the back of rapid urbanisation and industrialisation. Nevertheless, we can’t ignore the exponential increase in the demand for footwear either, as consumerism is at its peak in both the online and offline worlds. Plus, consumer expenditure capacities are also driving this market’s growth.
“The pandemic has caused a change in the mindset of a lot of people,” opines Dr. Simran Mann Sachdeva, Founder and Director of KazarMax, a homegrown online footwear brand.
The brand has been growing well due to its online sales.
“The online footwear industry has continued to grow in spite of the raging pandemic. We have seen an increase in online sales over the past two years owing to a larger number of people that choose to shop online rather than visit a brick-and-mortar store. The physical stores in malls and shopping complexes, however, have seen huge losses. Overall, we have witnessed a positive growth in the athleisure footwear category for a brand like ours,” she adds.
Notably, this growth is also due to the increase in the Average Selling Price (ASP). The ASP in the fiscal year 2015 was Rs. 308 per pair and grew to Rs. 376 per pair in the fiscal year 2020. In the future, ASP is expected to grow at a CAGR of 5 -7 per cent and is expected to reach Rs. 490-515 in the fiscal year 2025.
What’s the ground reality?
Having said that, just to make sure that the market analysis makes more sense, we spoke to some industry insiders. Some of them didn’t respond, while some of those who did prefer to remain anonymous.
However, the stakeholders unanimously feel that there are more obstacles than growth opportunities for the footwear industry.
“Maybe the positive growth that these industry reports are calculating is possible. But lot of us in the fraternity are witnessing challenges,” a small manufacturer from Madhya Pradesh says.
According to them there are two sides to every story. And the manufacturers are in a grey area right now, the reasons for which are many.
GST is the troublemaker
Since last year, the GST has been the number one troublemaker for the footwear sector.
To give a brief context, last year on December 31st, the GST council decided to hike the tax on footwear priced up to Rs 1,000 to 12 per cent from the prevailing 5 per cent. This step was meant to make the tax slab level, as the GST on footwear valued above a thousand rupees was 12 per cent.
However, the sector reacted very negatively to this decision.
Because, firstly, this increase made footwear more costly for the consumers. Secondly, the ease of doing business went haywire for the manufacturers. Not only that, but the whole value chain has been disrupted because of this decision by the government. They all unanimously say, “It’s a double whammy.”
For instance, for the retailers it means that more tax has to be paid to the government.
A local shop owner, N Bhati from Greater Noida says, “Business was zero during the pandemic. In addition, due to the rise in online sales, the sales have been impacted to some extent, especially for shop owners like us, who do not have big shops in the market. On top of that, we have to sell our remaining stock at the new rates. It means that we are paying up for the 7 per cent gap, according to the new regime. Tell me what to do.”
The increase in GST is taking a huge toll on the manufacturing industry as well.
A Delhi based manufacturer, Pankaj Dhamija, Director at Weldon Shoes says that it has caused a lot of problems for the community. “Especially for the small-scale manufacturers,” he says.
“Survival chances have diminished for those small-scale factories, which have a margin of 5 to 12 per cent. With a 12 per cent GST levied on that, they make zero profit out of it,” he adds.
Old stocks, on the other hand, cannot be repriced and sold. The only alternative is to sell them at a loss. “However, the customer will continue to pay the same price inclusive of GST for the products that are already listed. At KazarMax, we choose to absorb the losses instead of increasing the sale price for the customer,” Sachdeva tells us.
Furthermore, an Agra manufacturer claims that imported Chinese footwear is exempt from the GST increase, causing the made in India shoes to lag behind them in the market.
The fraternity is demanding a reduction in the GST
The CAIT and IAF argue that nearly 85 per cent of the population of the country buys footwear that costs less than Rs 1,000 and therefore any increase in the GST tax rate will directly affect the consumers.
Footwear apex bodies, along with traders’ associations have been trying to persuade the government to reduce the GST rates to provide some relief to this sector’s stakeholders.
But it’s all going in vain.
Dhamija feels that it’s the failure of this sector’s lobbies, that they couldn’t state their case effectively like the textile bodies did when the government announced a rate hike in their GST.
“This is only due to a lack of sectoral collectives. When the government was taking these actions, the textile industry kept urging it to rationalise the GST for the sake of their industry. Ultimately, they managed to effectively convey their concerns to the government departments and the process was put on hold. If we could have taken up this matter aggressively rather than taking it easy, the result would have favoured us,” he asserts.
As the industry at large wants a reduction in the GST rates, Dhamija hopes that its various associations are able to put their case across more effectively this time, for the betterment of the entire sector.
The GST rates are only the tip of the iceberg when it comes to the challenges that are being faced by the footwear industry.
The past two years have seen unprecedented challenges being faced by the manufacturing industry. From the decreased raw material imports to the shortages in the labour force, the footwear industry has had to grapple with a multitude of problems.
Even if we they are in recovery mode at the moment, the experts in the field say that due to the pandemic, the sector’s health has been gradually dwindling and most of it is a major chain reaction.
“The Delhi cluster constitutes a significant portion of India’s footwear manufacturing space, accounting for 35-40 per cent of the total production. But this industry has been suffering for quite a long time,” asserts Dhamija.
To begin with, these manufacturers were subjected to the pandemic induced lockdowns. Then there is the GST, which is having a negative impact due to the compliance issues. Though, there was some respite in between, the sluggish demand and overproduction dealt another blow to the manufacturers.
“Most of us are now forced to sell our products at a loss or at the manufacturing price, just to get over with our stock. Furthermore, footwear manufacturing is a credit-based industry. Which implies that we work on the give and take principle. But when demand gets muted, the whole chain gets disrupted as the money gets stuck at various levels. This in turn affects our manufacturing and leads to revenue loss,” Dhamija explains.
The current unstable geo-political scenario has also not helped.
“The export market will definitely be adversely affected by the sanctions on Russia. The political unrest has plunged the manufacturing industry into a lot of uncertainty. Many export houses have had to shut shop due to mounting debt and dead stock,” elaborates Sachdeva.
“Agra exporters deal with European companies 95 per cent of the time. So, we are not exactly under the weather due to this conflict. The percentage is quite miniscule there and we have not been majorly affected due to the Russia-Ukraine conflict,” says the Agra manufacturer.
In fact, a majority of this industry’s stakeholders feel that the direct impact of this conflict on the footwear sector has been minimal. But most of the exporters are still cautious because Russia is a significant trading partner of India.
However, although the direct impact of the Russia-Ukraine conflict on the footwear industry has been minimal, there are a few indirect impacts of this conflict that need to be taken into account.
Inflation has hit hard
The news lately has been all about price inflation, supply chain issues, and rising labour costs. All of this is putting a lot of pressure on the Indian manufacturers and is reducing their profit margins. And the footwear manufacturers are no exception.
This also implies that the product and services prices have skyrocketed.
One of the many reasons for this is the spike in crude oil and global energy prices following the Russia-Ukraine conflict. According to a January 2022 PwC Pulse Survey, 68 per cent of manufacturers agree that inflation is likely to remain elevated at the end of 2022. The footwear manufacturers agree.
“High costs have ruined our manufacturing. From raw materials to input costs to GST. Everything is inflated,” says the anonymous source.
Weighing in, Sachdeva also asserts, “The cost of manufacturing has gone up due to the increased cost of raw materials by 30-40 per cent. Increased fuel costs have led to an increase in supply chain costs as well.”
Raw materials are pricey
Talking about the raw materials, an anonymous source, a manufacturer from Agra laments at the current scenario. “If the government could just make raw materials duty-free, that would be a huge relief for us. We don’t want anything else,” he says.
The Agra industry exports 95 per cent of the footwear made there; for the manufacture of which, they heavily depend on imported raw material i.e., leather. Which mostly comes from Italy, Spain, Turkey or Bangladesh. The high import duties make it more expensive, which in turn adds on to the final manufacturing price. This is forcing brands to shift away to other manufacturing regions such as Vietnam.
“There is a heavy import duty on leather, and most Agra manufacturers deal with crush leather. We have been urging the government to make it duty free, but it is not paying heed. Instead, they are planning to make wet blue leather duty free. Why are they not listening to us, when the Agra industry does 95 per cent exports and contributes majorly to the GDP of the country?” he questions.
Not just him, but the manufacturers from the Delhi cluster too are speaking up about the surge in the prices of raw materials by 25 to 30 per cent. The manufacturers are witnessing high input costs as most raw materials such rubber, plastic and other materials like the solutions used in manufacturing are basically petroleum products.
“Prices are skyrocketing. I haven’t seen such rapid price increases in the last 10 to 15 years. At the same time, raw materials are overpriced, due to the increase in GST and other factors, and we are forced to buy them. For example, pre lockdown, EVA compound was priced at Rs 200 + tax/ kg, but today its around Rs 350 + tax /kg. DVP, was at Rs 80 but now we are buying it at Rs 140. Similarly, packaging material costs have also increased, for example, what cost Rs 5 earlier now costs Rs 10. Furthermore, the raw materials are all petroleum based. With prices escalating day by day, the raw material costs are surging,” Dhamija tells us.
Mostly, footwear priced below Rs 1,000 includes footwear that has been made from rubber, ethylene vinyl acetate (EVA), polyvinyl chloride (PVC) and polyurethane.
The consumers have to bear the cost
However, because this industry is very competitive, the manufacturers can’t just simply raise the prices of their products. And as consumers place a high value on economic products, when the prices rise, they gravitate toward less expensive options.
This can be quite devastating for the small-scale manufacturing units.
Not only this, but the logistics costs have also added on extra woes for the manufacturers. The rise in fuel prices is a cost push factor as well. Dhamija says that it’s another pain point for everyone, as the rising fuel prices have shot up the logistics costs. “All these factors will collectively become pass down costs, implying that the consumers will have to bear the brunt of it all due to the hiked product prices,” he asserts.
And it’s already happening. “A pair of school shoes priced at Rs 85 are now going at Rs 120 to Rs 200 from the manufacturer to the wholesaler. The prices will escalate further from the wholesaler to the retailer level. Ultimately the consumers will have to pay the increased prices,” Dhamija further adds.
There is no PLI scheme for the footwear sector
This is another issue that this industry’s stakeholders have been vocal about.
Since the inception of the PLI scheme, there has been a long-standing demand from the industry for a PLI scheme for the footwear manufacturing sector. According to industry stakeholders, it will increase the productivity of the existing players and make India the most preferred destination for footwear exporters.
Furthermore, the PLI scheme will help with import substitution for input products like ornaments, zippers, soles, buckles, and embellishments. The stakeholders have been constantly questioning and urging the government to play fair and extend the benefits of the PLI scheme to the footwear sector as well.
“During manufacturing we use different types of fabric to make up a pair of footwear. Even then, the government has extended the PLI scheme for textile manufacturing, but not for us. It’s unfair,” says the Agra source.
Recently, the Council for Leather Exports (CLE) also urged the government to extend the production-linked incentive (PLI) scheme to this sector and consider the setting up of a leather park to boost manufacturing, export and job creation.
Leekha sought “the support of the government in achieving the envisaged targets by extending the PLI (scheme) to the leather sector and also considering a leather park scheme similar to the textile sector.” Having said that, as per the Council for Leather Exports (CLE), India’s leather and footwear exports stood at US$ 5.5 billion, which is expected to double by the end of 2025. The extension of the PLI scheme to this sector will increase its value and boost its growth.
The industry source from Agra says, “Also, it’s critical to reduce dependency on China for certain components and raw materials. For this, the component industry in India needs more working capital. Considering this, it’s high time that the government made some draft for the footwear segment to include it under the PLI umbrella.”
Good shoes can take you places
Even though there is no dearth of demand or supply, the current market scenario is quite dull.
Dealing with so many issues, and in survival mode, the stakeholders want to remain positive for the sake of their businesses. However, market researchers expect the footwear market to remain muted for some time. For instance, ICRA calibrated the revenues of domestic footwear entities at 10-15 per cent below the pre-COVID levels in FY2022.
So far, according to the agency, there was limited headroom for the reduction of fixed cost due to varied reasons. The higher raw material prices also impacted margins to an extent. Which is still going on. However, the analysts expect the operating margin to return to pre-COVID levels by Q2 FY2023 with improved scale. At the same time, the large, listed entities will remain strong.
But if we were to take cognizance of all the stakeholder’s concerns, we won’t be able to say the same about the small and medium footwear industries.


Thu, Feb 01|
Whole Mouse Brain Atlas Publication Package Highlights
This webinar presents a new collection of papers reporting the first complete cell type atlas of a mammalian brain. Key researchers will present their studies and there will be time for Q&A with the paper authors.
Time & Location
Feb 01, 2024, 10:00 AM – 12:00 PM PST
About the event
The recording of this webinar is now available: https://www.youtube.com/watch?v=l5NHSLk6O-A
The millions to billions of cells that comprise mammalian brains are organized into many highly specialized cell types. Previous studies have demonstrated that known and novel cell types can be identified by their single-cell gene expression profiles. However, the actual number of cell types in the brain and the degree of diversity among these cell types has been unknown.
This webinar presents a new collection of studies from the BRAIN Initiative Cell Atlas Network (biccn.org) and published in Nature that report the first complete cell type atlas of a mammalian brain, with over 30 million cells profiled from the adult mouse brain using a combination of single-cell transcriptomic, epigenomic, and spatial transcriptomic approaches, identifying over 5,300 cell types in the entire mouse brain.
These studies uncover multitudes of organizing principles of the extraordinary cell type diversity across the brain. This collective body of work represents a landmark achievement that will have far-reaching impact on understanding cell type-based brain circuit function across the neuroscience field.
More about the collection of studies, published in Nature on December 13, 2023: https://www.biccn.org/science/whole-mouse-brain
10:00am Overview - Hongkui Zeng https://www.biccn.org/science/whole-mouse-brain
- Understanding the extraordinary diversity of the individual cells in the brain by classifying them into an organized census has been a multi-generational endeavor since Ramon y Cajal. Now, as reported in ten articles published in Nature on Dec 14, 2023, researchers from the BRAIN Initiative Cell Census Network (BICCN) have used single-cell transcriptomic, epigenomic and spatial transcriptomic characterization of more than 32 million cells to comprehensively define and localize cell types in the entire brain of the mouse, the most widely used laboratory model in vertebrate neuroscience. Integration of these datasets has resulted in the first complete cell census and atlas of a mammalian brain with exceptionally high molecular and spatial resolution.
10:10am A high-resolution transcriptomic and spatial atlas of cell types in the whole mouse brain - Zizhen Yao https://www.nature.com/articles/s41586-023-06812-z
- A comprehensive and high-resolution transcriptomic and spatial cell type atlas for the whole adult mouse brain was created by combining a scRNA-seq dataset of ~7 million cells profiled (~4.0 million cells passing quality control) and a spatial transcriptomic dataset of ~4.3 million cells using MERFISH. The atlas is hierarchically organized into four nested levels of classification: 34 classes, 338 subclasses, 1,201 supertypes and 5,322 clusters. A high degree of correspondence between transcriptomic identity and spatial specificity for each cell type was observed. The study reveals unique characteristics of cell type organization in different brain regions, in particular, a dichotomy between the dorsal and ventral parts of the brain. The study shows that transcription factors are major determinants of cell type classification in the adult mouse brain and identifies a combinatorial transcription factor code that defines cell types across all brain regions.
10:20 am Molecularly defined and spatially resolved cell atlas of whole mouse brain - Xingjie Pan https://www.nature.com/articles/s41586-023-06808-9
- We imaged a panel of more than 1,100 genes in approximately 10 million cells across the entire adult mouse brains using MERFISH and performed spatially resolved, single-cell expression profiling at the whole-transcriptome scale by integrating MERFISH and scRNA-seq data. This approach generated a comprehensive cell atlas of more than 5,000 transcriptionally distinct cell clusters, belonging to more than 300 major cell types, in the whole mouse brain with high molecular and spatial resolution. Using this atlas, we systematically characterized cell-type composition, organization, and cell-cell communication in all brain regions.
10:30 am The molecular cytoarchitecture of the adult mouse brain - Jonah Langlieb https://www.nature.com/articles/s41586-023-06818-7
- As part of the BICCN consortium, this study unveils a comprehensive atlas of mouse brain cell types, using high-throughput single-nucleus RNA sequencing (> 6 million nuclei) combined with Slide-seq unbiased spatial transcriptomics (> 4 million spatial pixels). It highlights the exceptional diversity of cell types in the midbrain and hindbrain and extends to characterizing neuropeptide and neurotransmitter signaling, exploring region-specific activity-regulated gene expression, and examining the heritability of neurological and psychiatric traits. These data are additionally available as an online resource at www.BrainCellData.org.
10:40 am Single-cell DNA methylome and 3D multi-omic atlas of the adult mouse brain - Hanqing Liu https://www.nature.com/articles/s41586-023-06805-y
- Cytosine DNA methylation plays a crucial role in brain development and has been associated with several neurological disorders. In our study, we employed cutting-edge techniques such as single-nucleus methylome and 3D multiome sequencing to analyze the DNA methylation patterns in nearly half a million individual cells obtained from 117 distinct regions across the adult mouse brain. I will present an overview of our cellular and genomic analysis approaches, as well as highlight the major insights and discoveries made possible by this extensive dataset.
10:50 am Single-cell analysis of chromatin accessibility in adult mouse brain - Songpeng Zu https://www.nature.com/articles/s41586-023-06824-9
- We report a comprehensive atlas of candidate cis-regulatory DNA elements (cCREs) in the adult mouse brain, generated through examination of the chromatin accessibility in 2.3 million individual brain cells from 117 anatomical dissections. The atlas includes approximately 1 million cCREs and their chromatin accessibility across 1482 distinct brain cell populations. We infer the gene regulatory networks in over 260 subclasses of mouse brain cells and develop deep learning models to predict the activities of gene regulatory elements in different brain cell types from DNA sequence alone.
11:00 am Brain-wide correspondence of neuronal epigenomics and distant projections - Jingtian Zhou https://www.nature.com/articles/s41586-023-06823-w
- Anatomical and single-cell genomic analyses parse the neurons into cell-type clusters by either their connectivity or molecular signatures, but how the cell types defined by these two different data types are associated with each other remains unknown. In this talk, I will describe our effort using Epi-Retro-Seq to link single-cell epigenomes and cell types to long-distance projections for 33,034 neurons dissected from 32 different regions projecting to 24 different targets across the whole mouse brain. We highlight uses of these data for interrogating a complicated but predictable relationship between neural projection and epigenome, and linking ~1k molecular cell types with distal projection and spatial location through integrative analysis.
11:10 am A transcriptomic taxonomy of mouse brain-wide spinal projecting neurons - Carla Winter https://www.nature.com/articles/s41586-023-06817-8
- The brain controls nearly all bodily functions via spinal projecting neurons (SPNs) that carry command signals from the brain to the spinal cord; however, a comprehensive molecular characterization of brain wide SPNs is still lacking. Here, we transcriptionally profiled a total of 65,002 SPNs, identified 76 region-specific SPN types, and mapped these types into a companion atlas of the whole mouse brain1. We use this atlas to uncover novel aspects of SPN biology, including (1) a transcription factor code defining the composition and spatial location of reticulospinal neurons, (2) transcriptomic differences between cervical- & lumbar- projecting SPNs, and (3) electrophysiologically distinct types of rubrospinal neurons. Together, this study establishes a comprehensive taxonomy of brain wide SPNs and provides insight into the functional organization of SPNs in mediating brain control of bodily functions.
11:20 am Spatial atlas of the mouse central nervous system at molecular resolution - Hailing Shi https://www.nature.com/articles/s41586-023-06569-5
- A spatial atlas of the mouse central nervous system with molecular resolution was generated with the in situ spatial transcriptomics method STARmap PLUS, composed of 1.09 million high-quality single cells profiled with 1,022-gene expression and recombinant adeno-associated viral transduction mapped at 194 x 194 x 345 nm3. Integration with single-cell RNA-seq datasets allowed the imputation of ~12,000 genes in spatially mapped single cells. In addition to clustering single-cell gene expression for spatial maps of hundreds of molecular cell types, we defined molecular tissue regions by clustering spatial niche gene expression constructed from spatially resolved single cells, refining tissue architectures in previously established anatomical definitions.
11:30 am Conserved and divergent gene regulatory programs of the mammalian neocortex - Ethan Armand https://www.nature.com/articles/s41586-023-06819-6
- Evolution is a power lens to understand gene regulation; diverging patterns of gene regulation drive evolution across species, while conserved patterns are representative of core functions that are preserved across evolution. We present an unprecedented dataset of chromatin accessibility, gene expression, 3D genome information, and DNA methylation across 21 cell types in humans, macaques, marmosets, and mice. These data allow us to identify functional conserved elements, diverging elements driving changes in gene expression, and build powerful deep learning models of regulatory syntax.
11:40 am Evolution of neuronal cell classes and types in the vertebrate retina - Karthik Shekhar https://www.nature.com/articles/s41586-023-06638-9
- I will describe our efforts to analyze the conservation of retinal cell types across 17 vertebrate species using single cell transcriptomics. We find a remarkable degree of conservation of retinal cell types, suggesting that they originated in the vertebrate ancestor 500 million years ago. We have identified mammalian orthologs of the so-called "midget" cells which comprise >80% of the retinal output in humans, subserve high acuity vision, and were hitherto believed to be specific to primates. The orthology relationship is surprising, and provokes an intriguing hypothesis connecting the evolution of the retina to the evolution of the cerebral cortex. Knowing the orthologs of midget cells in several accessible models will aid efforts to slow their degeneration in blinding diseases such as glaucoma.
11:50 am Q&A - all speakers


I am putting together the parts and fittings for the boiler for my Stuart engine. I read Tel's excellent post on making simple nipples (?olives) for pipe connections - but what material should be used for them? If its copper rod - should it be annealed first to make it "squashy"?
Secondly - in some of the recipies I am following for fittings - reference is made to "O" rings (in cap seals for a lubricator and glands for a simple regulator) - will simple silicone O rings (black automotive type) suffice or should something special be used in view of the temperarures involved?
I apologise for these dumb questions - but I have never piped anything up before and am very confused as to how to do it for best practice. Can anybody kindly help please?
Brass is a more commonly used material for pipe nipples, just use it as it is- no heat treatment/annealing required. Though there is no real reason not to use copper, just a bit more difficult to machine.
Unlike household compresion fittings it is usual to solder the nipples to the pipe so any annealing would be wasted by the soldering process, though allowing to cool naturally rather than quenching will keep the pipe soft.
Nitrile O rings are better as they are less affected by oil & heat.
Agreed, I just use brass for the nipples. Now here's another hint with 'em. When it comes to fitting them to the pipe, bash the end of your stick of silver solder out pretty thin, then snip it to an acute point, that way you will be able to apply just the tiny bit you need and not a big blob.
BTW, the silver soldering process will anneal the pipe regardless of whether you quench it or let it cool slowly. I prefer to quench as it shocks off as lot of the crap.
Decisions, decisions Peter, another way you might want to consider is to use a flared end on the pipe and a cone end on the fitting, like the brake pipes on a car/motorbike. Saves Silver soldering. Regards Ian.
PS. No 1 is OK for delivery WHEN I debutt and sort the mags.


text:
This design is perfect for fans of Ukraine, Ukrainian nationalism, military history, orthodox Christianity, and the St. Mary's Battalion, which is one of more than a dozen private groups fighting alongside the Ukrainian Army against Russian-backed separatists in eastern Ukraine.
A classic fit, cotton jersey knit top. It's quarter-turned, meaning that it eliminates the center crease.
• 100% jersey knit
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• Banded neck and arm holes

domain: design


3 Stocks Trading At A Massive DiscountDec 15, 2022
Talk about a crazy year. People often overestimate what can be done in a day and underestimate how much can be done in just over a few months.
And in the last few months alone, we're pretty positive most people underestimated how much could happen that quickly.
To name a few things, we saw:
Inflation finally starting to peak while oil & gas prices ultimately come down
A war continuing to rage on in Eastern Europe
Interest rates at 15-year high's causing markets to crash in 2022
Nuclear fusion achieved
And the list goes on...
Unfortunately, the 1st half of 2023 is likely to be just as crazy as all of 2022. However, as investors, there are a few things we can do to get prepared for the upcoming events.
And the event we're going to focus on today is the three best ways to invest during a continued period of rising interest rates. The stocks below are therefore all trading at a discount to their true value!
In case you missed it, rising interest rates have taken center stage for the markets this year. And over the next 12 months, rising interest rates will be at the core of whether your investments work or not.
And as Jerome Powell told us yesterday, rates are unlikely to come down in 2023.
But before we dive into the stocks we like we need to first give some context on why these stocks have a great chance of outperforming in a rising interest rate environment.
As we told you in our guidance for 2022 at the end of last year, rising inflation & rising rates were going to be key themes in 2022 and boy has that held true so far.
But fortunately, this trade is far from over yet. So in order to figure out how to best play it, we need to open up the history textbooks and see what happened the last time interest rates rose during an inflationary period.
What Happened Last Time:
While no two events are 100% alike, we can use comparables to understand how markets react in similar environments. And like last time, we saw a few things happen.
In 1994, the Fed began aggressively raising rates as they moved up from 3% to 6% in just one year.
And over the course of 2022, the Fed has raised rates from nearly 0% up to ~4% -- mimicking what the Fed did in 1994.
And so with a similar raising rates schedule, we can look back and see that the last time this happened, financials (at large) did well while banks lagged. The reason this happened was because deposit-heavy banks with high variable rate deposit accounts were subject to serious costs that exceeded the benefits from their loan businesses.
What we mean by this is that most banks offer deposit accounts with either fixed, floating or non-interest-bearing accounts. In a rising rate environment, those banks that have a high percentage of their deposit accounts in floating rate accounts will be subject to high costs whereas those with high fixed or non-interest rate accounts will benefit greatly.
The reason they will benefit outside of lower costs is that they will be able to arbitrage the difference between what they pay deposit accounts and what they can earn on them. Combine that with higher margin loan accounts and these types of financials can outperform whereas other financial institutions will be at serious risk!
How To Play It:
Therefore when we analyze the financials sector, stock selection becomes more important than ever.
If you want to outperform in 2023, investors need to not only get the sector right but they also need to get the stock right and not just pick the index.
Therefore the financial stocks that we like display the following characteristics:
Most of their deposit accounts have fixed rates or are non-interest rate-bearing accounts.
They are a large lender.
And they're positioned to do well over the next 5+ years. The reason this last point is important is because financials often start significantly outperforming in the back half of the rising rate schedule. And because the end of the schedule is impossible to predict, we are allocating now and holding onto names that will be strong into the future.
Top Stocks For Rising Rates:
First on our list is Silvergate. Out of any stock on this list, Silvergate is by far the biggest boom or bust pick.
If you're not familiar with Silvergate, they are one of the largest crypto-led banks out of there. This is not your traditional boring finance play.
But a lot of their success will hinge on crypto's ability to have a strong 12-24 months. And while it seems crazy now, crypto will likely come back into the centerfold once markets start rebounding.
While it may not happen tomorrow, we believe Silvergate is ready to stand benefit to this eventual institutional inflow. And on top of that, Silvergate is the most rate-sensitive bank we cover. This is what they have going for them too:
A key theme of this post -- Silvergate's non interest-bearing deposits represent 99% of their asset accounts. Comparing this to their peers we see that the industry average is near 35%. And as we've mentioned several times now non or fixed interest-bearing deposit accounts are key for 2023 and beyond. The reason being is if Silvergate is paying 0% interest on 99% of their deposits, that means their costs are WAY LOWER than any of their competitors.
And not only will they save on costs but their assets will perform very well in a rising interest rate environment too! This is because most of Silvergate's assets are variable rate assets - with rising interest rates, their assets increase more substantially in value.
Therefore we're reiterating our overweight rating and our price target of $50. This is a LONG TERM play that will take time to play out -- so if you're going to play this one, make sure you have a long time horizon and a high-risk tolerance.


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When you go to the Avengers Campus at Disney California Adventure, you can expect to meet heroes like Doctor Strange, Black Panther, Black Widow, and more… but don’t forget to look up during your visit!
It looks like Disney may be introducing the latest advancement in theme park technology at the Avengers Campus, bringing our friendly neighborhood Spider-Man to life like never before. That’s because when you look up at the park — he could actually be swinging overhead!
So, how does this work exactly? The answer lies in Stuntronics, which are acrobatic audio-animatronics capable of performing “superhuman feats” that would be too dangerous for a human performer. In other words, Disney has the ability to literally fling a robotic Spider-Man into the air and program it so it sticks the landing.
While Disney has not confirmed they will be specifically be using a Spider-Man Stuntronic, they did post a cryptic video that looks very similar to the motions we’ve seen from past Stuntronic tests. Check out the video for yourself below!
What do you want to see Disney do with this amazing technology? Let us know your thoughts in the comments!
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The Termica Milazzo cogeneration combined cycle power plant completed an extensive upgrade and integration project with a nearby refinery in Sicily, Italy. The successful project, which spanned about three years and included more than 100,000 man-hours of work, makes it a worthy POWER Top Plant award winner.
Eni S.p.A. and Kuwait Petroleum Italia S.p.A. own equal shares of Raffineria di Milazzo S.C.p.A. (Refinery at Milazzo, RaM). RaM, which is located in Sicily, operates within the Italian and international refining system to produce fuels and raw materials for petrochemicals.
In 2016, RaM acquired Termica Milazzo (TEM)—a cogeneration combined cycle gas turbine (CCGT) power plant located about 500 meters from the refinery—assuming full management of maintenance activities and energy production for the facility. The plant had previously sold power only to the national grid. RaM, however, had other objectives. It intended to use the facility to supply the refinery’s entire electrical load demand by integrating the electrical network, thereby increasing the reliability of RaM’s power system.
The TEM facility operates a single GE frame 9E GT (Figure 1) arranged in a single-shaft configuration with a combined cycle ISO nominal energy output of 155 MW. When acquired by RaM, the flexibility of the power plant was limited to a steam cogeneration flow of about 80 tons/hr to 100 tons/hr and a minimum emissions-compliant power turndown of 110 MW.
1. GE’s 9E heavy-duty gas turbine provides essential power and performs in a vast number of duty cycles. Applications include combined heat and power schemes in desert climates, the tropics, and arctic cold regions. Courtesy: GE Power
As part of RaM’s long-term vision for the power plant, it wanted to improve power and steam generation flexibility by reducing the minimum turndown of the GT, while maintaining emissions compliance and optimizing potential energy market trading opportunities. The company also wanted to upgrade the existing control system, which included multiple separate components, into a single, advanced and integrated system. RaM hoped by doing so, it would gain some enhanced features and innovative functions, including Industry 4.0 and Internet of Things (IoT) aspects.
Despite being located so close to each other, the refinery and TEM were totally separate from both an electrical and automation standpoint prior to the acquisition. So, RaM embarked on a complex project, which included engineering and technology solutions to achieve industrial integration between the CCGT and the refinery plant. The multidisciplinary project consisted of the following main activities:
- Installing a high-voltage (HV) electrical cable interconnecting the separate HV substations of RaM and the TEM plant.
- Upgrading and modifying the GE GT (frame 9E) combustion system.
- Upgrading the electrical control system and cogeneration plant with a more integrated distributed control system (DCS).
RaM’s Technology and Engineering departments conducted important research during the design phase. The groups investigated and evaluated available products and technologies to determine the most innovative solutions for the project. Due to the various competencies involved, a classic turnkey model was adopted. Three main contracts were coordinated: Terna Rete Italia was responsible for electrical interconnections, ABB for general control system work, and GE for GT upgrades. The remaining balance-of-plant and ancillary system tasks were carried out by RaM with the support of other minor subcontractors.
The first step of the project—assigned to Terna with ABB as a subcontractor—was to connect TEM’s electric production directly to refinery loads, reaching a complete self-production configuration, with capability to export the energy surplus to the national grid. To accomplish the task, a new HV electrical cable was installed, interconnecting the two separate HV substations. The distance between the substations was about 300 meters, requiring various modifications at both sides in order to provide start/arrival feeders.
With this new interconnection cable, the existing TEM HV grid feeder was added to two existing refinery HV lines. The new configuration significantly improved electrical reliability and flexibility of the RaM-TEM and 150-kV national grid connection. Furthermore, with Terna and ABB cooperation, an additional synchronization system was studied and implemented at the interface with the national grid battery limit switch breaker, with direct control of the 9E GT MARK VIe frequency governor in TEM.
The HV electrical protection and DCS strategy had to be thoroughly reviewed and checked in order to guarantee the approval of the Transmission System Operator (TSO) grid code. It also had to comply with several specific requirements related to the detection of possible electrical faults, and potential blackout and islanding events.
Regarding HV control system architecture, an extensive integration and upgrade based on IEC 61850 bus protocol was completed through the application of a specific ABB family of products (REx600 series) for electrical protection relays. This architecture enabled an easier signal interchange and integration of HV assets, minimizing the use of hardwired signal cables, which was critical for the distances between RaM and TEM substations.
Contextually, the specific ABB software (PCM600) enables remote diagnostics and configuration control of IEC 61850 subnet, and several features related to the Industry 4.0 and IoT framework. Finally, with the support and cooperation of ABB and GE, important national grid integrated local frequency requirements were implemented and checked, according to TSO code testing.
Gas Turbine Upgrades
In order to expand TEM’s flexibility and effectively match its output with RaM’s electrical energy demand for both power and steam production, the project team wanted to reduce the GT’s minimum turndown as much as possible while preserving baseload performance. GE’s Axial Fuel Staging (AFS) technology upgrade was installed on the existing GT.
In detail, the following modifications and upgrades were implemented by GE on the 9E GT:
- Axial Fuel Staging (AFS) was employed, which consists of an additional fuel injection beyond the premix flame in order to comply with NOx and CO emissions requirements at lower load.
- Inlet Bleed Heating (IBH) was added, which recirculates air from the final section to the compressor intake in order to maintain a higher temperature in the combustion system. (This was a precondition for the AFS upgrade.)
- Migration of Mark VIe control including modification for partial load-shedding logic.
Axially staging combustion to two zones allows for increased firing temperature at baseload (while maintaining the same NOx level) by operating the later/second stage hotter than the first/primary stage. AFS technology is well-proven, having been deployed on six GE GT models—the 7HA.01, 7HA.02, 7EA, 9E, 7F, and 9HA.02. These fleets have amassed more than 300,000 fired hours and 6,000 fired starts.
IBH acts to increase air flow through the compressor while decreasing air flow through the GT. The primary use of IBH is compressor surge and icing protection. When closing the inlet guide vanes to reduce load, the risk of compressor icing increases, thus, the addition of IBH enables operation at lower loads. During low-load operation, as the GT firing temperature is reduced, percentage fuel split in the staged fuel system can either be reduced significantly or turned off, thereby keeping the overall combustion system in compliance with emissions limits over a wider range of firing temperatures.
By performing this upgrade, the TEM GT is now able to have a turndown less than 40% of GT ISO nominal power, corresponding at about 55% of whole combined cycle performance. This greatly improved upon the previous 80% turndown level. Consequently, it has also achieved an important decrease in emissions at turndown due to a reduction in GT exhaust total mass flow of about 20% (about 200,000 kilograms/hr). Furthermore, a significant improvement of GT part-load efficiency was ensured by a reduction in fuel burn.
Solving Metallurgy and Control Issues
Decreasing the minimum turndown had other impacts on the plant, however. For example, there were important metallurgy temperature limitations in the heat recovery steam generator (HRSG) superheater and in the high-pressure steam turbine. With third-party support, RaM carefully investigated and evaluated the total thermal stress to avoid short- and long-term issues on HRSG and steam turbine components.
According to CE rules (Conformitè Europëenne, which is a European Union quality standard), the HRSG had to be officially rechecked from a design point of view. This study highlighted the need for a metal upgrade of some exposed HRSG components (mainly on the medium- and high-pressure superheater) and the need to install a water desuperheater to control the temperature of the high-pressure admission section of the steam turbine. During commissioning of AFS injection technology, GE accurately tuned combustion parameters to adjust related isotherm factors in order to mitigate the GT exhaust impacts on the HRSG, matching its constraints.
Integration of the TEM CCGT unit with the refinery plant presented some challenges from an automation and control perspective. But with challenges come opportunities for collaboration. Specifically, contractors, cogeneration plant staff, and the refinery plant team all worked together to ensure the electrical and automation integration was completed successfully.
During the design phase, several issues related with the fast dynamics of electrical response, refinery stability constraints, and the need to have an efficient and safe main general control capable of seizing energy market opportunities were solved. All of the related tasks planned in the integrated automation system were implemented on a unique DCS architecture based on the recent AC 800M (800xA and INFI90) ABB family of products.
The duration of the project, from its preliminary phase to completion, was about three years. It involved more than 100,000 man-hours for engineering and site work. The main GT modifications were assembled and installed during a GT major overhaul, which began in late 2018 and finished in early 2019. After the first startup, operational commissioning and tuning required several months due to necessary project optimization, finalized in the TSO official code test, which was completed successfully in September 2019.
The teamwork demonstrated by the owner and various contractors make the project a remarkable success. The editors of POWER would like to congratulate RaM, GE, Terna, ABB, and all others involved in the project on a job well done. ■
—Aaron Larson is POWER’s executive editor.


Brought to you by WBIW News and Network Indiana
Last updated on Friday, January 2, 2009
(BLOOMINGTON) - Investigators are still looking into what exactly caused the fire that destroyed some of the roof of the Ora L. Wildermuth Center roof at I.U’s School of Health, Physical Education and Recreation Wednesday afternoon.
Bloomington City Fire Chief Roger Kerr said the blaze might have ignited after workers welded or soldered gutter on the roof earlier in the day, leaving behind "hot spot."
Kerr stated that "Had they not stopped it when they did the wood throughout the ceiling and the roof most likely would have been destroyed completely."
Everyone in the building managed to evacuate safely and damages are estimated at about $100,000 to $500,000.
- I.U. School Building Catches Fire
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Gigabyte Radeon RX 6800 XT GAMING OC 16G. Graphics processor family: AMD, Graphics processor: Radeon RX 6800 XT. Discrete graphics adapter memory: 16 GB, Graphics adapter memory type: GDDR6, Memory bus: 256 bit, Memory clock speed: 16000 MHz. Maximum resolution: 7680 x 4320 pixels. DirectX version: 12.0, OpenGL version: 4.6. Interface type: PCI Express x16 4.0. Cooling type: Active, Number of fans: 3 fan(s), Illumination colour: Multi
POWERHOUSE PERFORMANCE AMD Radeon™ RX 6800 Series graphics cards deliver ultra-high frame rates and serious 4K gameplay. Get the ultimate gaming experience with powerful new compute units, groundbreaking AMD Infinity Cache, and up to 16GB of dedicated GDDR6 memory. And, when paired with an AMD Ryzen™ 5000 Series desktop processor, AMD Smart Access Memory technology offers new levels of gaming performance. VIVID VISUALS AMD Radeon™ RX 6800 Series graphics cards pull you into the action with immersive gaming technologies and support for DirectX® 12 Ultimate. Experience gaming with realistic lighting, shadows, and reflections along with rich detail thanks to DirectX® Raytracing (DXR), variable rate shading (VRS), and AMD FidelityFX features, optimized for AMD RDNA™ 2 architecture. ELEVATED EXPERIENCES Ultimate responsiveness and smooth gaming are up-leveled with low-latency gaming technology from AMD Radeon Anti-Lag and AMD Radeon Boost.Propel your gaming experience with the latest HDMI™ 2.1 VRR technology, USB-C™ enabled VR headsets, or over 1250 AMD FreeSync™ technology-enabled gaming displays. ONE GAMING DNA FOR PCS AND CONSOLES AMD RDNA™ 2 architecture is the foundation of next-generation gaming PCs and consoles. It is the bedrock of the upcoming revolution in PC gaming graphics and cloud gaming. AMD RDNA™ 2 elevates and unifies visual effects and gameplay across multi-gaming platforms, like no other graphics architecture before. WINDFORCE 3X COOLING SYSTEM The WINDFORCE 3X cooling system features 3x 80mm unique blade fans, alternate spinning, 6 composite copper heat pipes, large copper plate direct touch GPU, 3D active fan and Screen cooling, which together provide high efficiency heat dissipation. ALTERNATE SPINNING Alternate Spinning can reduce the turbulence of adjacent fans and increase air pressure. SMOOTH AIRFLOW GIGABYTE turns the adjacent fans in the opposite direction, so that the airflow direction between the two fans is the same, reducing the turbulence and enhancing the airflow pressure. 3D ACTIVE FAN The 3D Active Fan provides semi-passive cooling, and the fans will remain off when the GPU is in a low load or low power game. UNIQUE BLADE FAN The airflow is spilt by the triangular fan edge, and guided smoothly through the 3D stripe curve on the fan surface. GRAPHENE NANO LUBRICANT Graphene nano lubricant can extend the life of fan by 2.1 times, close to the life of double ball bearing, and is quieter. SCREEN COOLING Extended heatsink design allows air flow to pass through, providing better heat dissipation. LARGE COPPER PLATE & HEAT-PIPE With direct contact to the GPU and VRAM, the large copper plate combines the composite heat pipes to efficiently transfer heat generated from the interior cores to the heat sink. RGB FUSION 2.0 With 16.7M customizable color options and numerous lighting effects, you can choose lighting effects or synchronize with other AORUS devices. PROTECTION METAL BACK PLATE The metal back plate not only provides an aesthetical shape, but also enhances the structure of the graphics card to provide complete protection. DUAL BIOS Silent mode will provide a quieter experience. The mode switch requires a reboot to take effect. The default is OC mode. EXTREME DURABILITY AND OVERCLOCKING The graphics card uses the better power phase design to allow the MOSFET to operate at lower temperature, and over-temperature protection design and load balancing for each MOSFET, plus the Ultra Durable certified chokes and capacitors, to provide excellent performance and longer system life. FRIENDLY PCB DESIGN Fully automated production process ensures top quality of the circuit boards and eliminates sharp protrusions of the solder connectors seen on the conventional PCB surface. This friendly design prevents your hands from getting cut or inadvertently damaging components when making your build. AORUS ENGINE The cutting edge intuitive interface allows you to adjust the clock speed, voltage, fan performance and power target in real-time according to your game’s requirements.
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text:
by Mahdi Ayat.
Question by 392: What country has an abundant amount of a resource and then trades it to other countries overpriced?
What country has a large amount of a resource that is essential (for example gas, coal, oil) and then trades it to other countries for a lot of money?
Please say the countries (:
Answer by Oliver
Why is it overpriced? If one country purchases it for that price then that would be the market price for that resource. Why would the country pay that amount if it could get it cheaper elsewhere?
What do you think? Answer below!


text:
The Wall Street gamblers are up to their underhanded tricks once again, and they are using their Congressional puppets to do their bidding. Tonight Republican lawmakers tried to roll back provisions in the Dodd-Frank Wall Street Reform Act regarding derivative trading.
"The provision that's about to be repealed requires banks to keep separate a key part of their risky Wall Street speculation so that there's no government insurance for that part of their business," Senator Elizabeth Warren stated on the floor of the Senate. "We all need to stand and fight this giveaway to the most powerful banks in the country."
Wall Street Gamblers used taxpayer insured derivatives to nearly break our economy and sent us into the worst economic recession since the Great Depression.
“This giveaway to Wall Street would open the door to future bailouts funded by American taxpayers,” said Ohio Senator Sherrod Brown. “It has been just six years since risky financial practices put our economy on the brink of collapse. This provision, originally written by lobbyists, has no place in a must-pass spending bill.”
AFL-CIO President Richard Trumka released the following statement:
At the request of too-big-to-fail banks, the Republican leadership is trying to sneak a provision into a last-minute deal to fund the government that will make it easier for too-big-to-fail banks to put taxpayers on the hook for their risky speculation in toxic derivatives.Randi Weingarten, President of the American Federation of Teachers vehemently opposed rolling back Wall Street reforms.
We call on members of Congress of both parties who are opposed to too-big-to-fail to stand up to Wall Street and to this harmful roll-back of a critical anti-bailout provision in the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Dodd-Frank forced too-big-to-fail banks to move potentially toxic speculation in derivatives out of their government-insured banks. Wall Street’s friends in Congress are trying to once again put the public on the hook for the most dangerous aspects of the financial system.
Working people were profoundly harmed by the 2008 financial crisis and its continuing aftermath of mass unemployment, falling wages, the mass eviction of working people from their homes, and reduced public investment. Derivatives were at the center of the crisis – turning a painful decline in home prices into an international financial crisis that still plagues our economy.
The AFL-CIO strongly opposes efforts to make it easier for too-big-to-fail banks to use taxpayer-backed funds to make risky bets in the derivatives markets.
"It’s unconscionable that Republicans would take a bill to keep the government open and sneak into it a provision that enables Wall Street to do the same kind of gambling that crashed our economy, required billions in taxpayer bailouts and devastated working people," said Weingarten. "Why would anyone, instead of helping the middle class with policies that will promote shared prosperity, continue to aid and abet the rich and powerful banks with giveaways that crashed the financial system less than a decade ago? Working people are counting on Congress to do the right thing and reject this gift to Wall Street."As you have already heard, the spending bill -- including the Wall Street roll-backs -- passed the House and is now in the Senate. If they do not pass it by midnight tonight the government will run out of funding and be forced into yet another shutdown.
Will the Senate strike the provision and send the bill back to the House? Will the Senate pass the spending bill with the Wall Street roll-backs? If the Senate passes the bill will the President veto bill knowing that it could lead to another government shutdown?
By 1 am on Friday morning all of my questions will be answered.


text:
At a Glance
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Beautiful large lot perfect for a residential development. Across the road, #309 with ocean views is also available for purchase.
Cayman Islands Sotheby's International Realty is a member of CIREBA MLS#412623
Outline images sourced from Cayman Islands Lands and Survey.


text:
1. Soup (with bread)
When I was traveling in the UK during college, the one thing I could count on was soup and bread. Sometimes it would be a hearty stew along with a hunk of crusty beer bread, other times, a delicate tomato soup with many slices of slender baguette. The flavors were usually simple, and they soothed my tired, homesick soul. To this day, nothing makes me feel quite as safe and cozy as a bowl of soup.
2. Being an ICOE
Recently, I got a text late at night. My best friend is pregnant and she was in pain and scared. I got up, threw on some clothes and took her to the emergency room so that her husband could stay with their sleeping children. All turned out well, but it was a night littered with fear, doubt and so much waiting. It was such a wondrous thing for me to be there “in case of emergency,” even when it seemed that there was nothing I could do but make her laugh and tell her the truth over and over again. Those times don’t always seem beautiful, but when I look closely enough, I can see them for what they are: bonds which cannot be broken.
I was a ballet dancer when I was young, twirling all in pink and leaping across the floor. Too soon, my knees got the best of me, and ballet became something that I watched. Recently, I have ventured back into dance. Nothing so disciplined as ballet, but a class that accepts me, weak knees and all, and still allows me to move and connect with myself, music, and God in a way that I have missed for too long. As I spin, leap and sway, I feel more myself, infinitely free.
4. Used Book Stores
There is something almost holy about these places. Almost immediately, when I enter, I am comforted by the smell of history and literature which has stood the test of time. I could spend hours finding new “friends,” running my fingers across familiar spines and trying to resist the temptation to purchase more than I can carry, all the while enjoying the hush and the juxtaposition of old and new.
I learned to pray young, pouring out the words of my heart to a God who loves me and knows me. I still love to do this. As an adult, I discovered liturgy and I fell in love with this way of praying, too. It makes the back of my neck tingle to think of all of the people joining with me, at that very moment, and throughout history in speaking these words of unity, praise, and confession toward God. It is at times like these that I really feel the cloud of witnesses surrounding me.