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text:
Monday, June 01, 2015 22:00 IST
It is going to be a real treat for Bollywood Khan lovers as the three leading actors of Film industry, Shah Rukh Khan, Aamir Khan and Salman Khan may be seen together in an upcoming movie.
Bollywood's biggest buzz suggest that Shah Rukh, Aamir and Salman will come together for producer Sajid Nadiadwala's upcoming movie. The producer will also be directing the film.
The shooting is reportedly scheduled to start in January 2016 and will release in December 2017. The extremely talented trio have never been seen before in a movie. However, Shah Rukh and Salman have acted together in Bollywood's successful films like 'Karan Arjun', 'Hum Tumhare Hain Sanam' and 'Kuch Kuch Hota Hai'. Meanwhile Salman and Aamir rocked the silver screen together in Bollywood's one of the best comedy film ' Andaz Apna Apna'.
If Sajid Nadiadwala's blockbuster project of bringing the three Khans together turns out to be true, then for surely the movie will prove to be one of the biggest hit at the box office.
- Saturday, May 25, 2019 Salman Khan's New Challenge For Bharat Is All Set To Take Over The Internet
|Earlier today, superstar Salman Khan took to his social media to announce the #slowmotionchallenge. Slow motion was the first song...|
- Friday, May 24, 2019 Here comes the soulful Bekhayali from Kabir Singh!
|Resonating the sound of love, heartbreak, and agony! Swoon to the beats of Bekhayali...|
- Friday, May 24, 2019 Disha Patani opens up about her character and preparations for 'Bharat'
|Disha Patani who is all set for the release of her upcoming film with superstar Salman Khan went under intense...|
- Thursday, May 23, 2019 'De De Pyaar De' cruises past 50 crores mark on Box-Office!
|Ajay Devgn's latest release 'De De Pyaar De', co-starring Tabu and Rakul Preet Singh, has set the cash registers...|

domain: entertainment


text:
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- 2021 Mode 1040-PR;
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For more information, kindly visit otherwise understand the recommendations getting Form 1040-Pr (from inside the Spanish) or Setting 1040-SS PDF .

domain: finance


(FORT WAYNE, IN) - Indiana Lt. Governor Becky Skillman will announce a partnership today between the Indiana Foreclosure Prevention and the Indiana Supreme Court.
The partnership will create a program to assist Hoosiers in the foreclosure process.
It will vary slightly based on region and county.
However, a statewide program manager will help develop local programs to move foreclosures through the court system.
Have a question or comment about a news story? Send it to firstname.lastname@example.org


text:
Babies conceived by assisted reproductive therapies including IVF are almost twice as likely to be stillborn than those who are conceived naturally, an Australian study has found.
Researchers at the University of Adelaide's Robinson Institute examined more than 320,000 births in South Australia from 1986 to 2002.
They included more than 4,300 births from various forms of assisted conception, including IVF (in-vitro fertilisation).
The study found the babies were more than twice as likely to be premature, almost three times as likely to have a very low birth weight and twice as likely to die within the first 28 days of their lives.
Study leader Professor Michael Davies says outcomes varied depending on the type of conception method used.
"What has been accumulating in recent years has been evidence that the outcomes of the pregnancies can be sometimes compromised," he said.
The birth weights of the babies are reduced somewhat and the gestations tend to be earlier so the babies are born somewhat prematurely.
"What we've done in this particular study is to look at some commonly reported perinatal outcomes - of birth weight and gestation and neonatal death - and then compare them across all of the available technologies that are used in an IVF clinic.
"Generally, the birth weights of the babies are reduced somewhat and the gestations tend to be earlier so the babies are born somewhat prematurely.
"This has importance for the long-term development of the offspring but it's also important for the neonatal well-being and, of course, the happiness of the families."
Clinics say women should not be scared by 'old' data
Medical director of IVF Australia, Associate Professor Peter Illingworth, says it is not clear why pregnancies associated with IVF are slightly riskier than natural conceptions.
"This is a very interesting study; it does show that pregnancies associated with IVF are slightly riskier than pregnancies that take place naturally," he said.
"What is not clear is why that should be the case. The study also shows that other children conceived naturally by the same partners also have a high risk of problems in their pregnancy."
Clinics say there have been vast improvements in treatments since the data was collected and obstetrician Dr Christine Kirby says women should not be put off IVF.
"What's really important for our IVF patients is not to focus on data that's now over 10 years old and what in effect has the potential to scare the living daylights out of them," she said.
Helen Yaaboc suffered the heartbreak of losing a baby three times since she and her husband began IVF treatment in 2011.
She says the pain has not been enough to deter her.
"It's been a very emotional journey. I think at this stage we're not ready to give up," she said.
Professor Davies says follow-up studies are needed to assess the impact of recent improvements in assisted birth technology.
"We can actually learn some lessons that we can then generalise to the wider population with regard to the causes of premature birth and low birth weight and possibly even stillbirth," he said.
Study identifies seven-fold risk among group of women
The study identified one group of women who were almost seven times more likely to have a premature birth or lose their baby in the first four weeks.
Professor Davies says it may be that the women are taking prescription ovulation induction drugs, which are widely available online, without proper medical supervision.
"What we noticed with this group of women was that their babies, at least in the singletons, that their babies were seriously compromised in terms of perinatal outcomes. Their infants were over 250 grams lighter," he said.
"There is an urgent need to identify what therapies are being used in the community with this group of women with a diagnosis of infertility but who never had the high-quality, highly-supervised treatment of an IVF clinic."
Using frozen embryos was associated with an increased risk of macrosomia (big baby syndrome) in babies born via IVF or ICSI (intracytoplasmic sperm injection).
Very low birth weight and preterm birth were much more common in births from IVF and, to a lesser extent, births from ICSI.

domain: medical


text:
SONG: KIDS IN ’99
ARTIST: DEATH CAB FOR CUTIE
ALBUM: THE BLUE EP
Death Cab for Cutie’s latest track is an ode to the children who died tragically due to a gas pipeline explosion in Washington on June 10, 1999. Though one with an upbeat start, the song shifts to sounding like the (lyrical) death knell for young lives in just a few seconds. Frontman Ben Gibbard’s voice is layered over the simple arrangement. This seems intentional, in order to allow emphasis on the lyrics that clearly describe the freak accident these children were subject to. The repetition of the word gone’ in the chorus imparts a sense of deep melancholy.
The final verse leading to the chorus reads in a moment they were gone’. This further highlights how unpredictable life is and how instantaneous change can be.
Given the history of this song, it almost seems like a dirge with an upbeat composition. And while it is interesting experimentation for an altrock band, we’d hold off adding it to our daily playlist for some time.

domain: artistic


text:
Bubblin': Banjo or Freakout
- Words: Shawn Reynaldo
Who: Banjo or Freakout
Where: London, UK
Italian-born Alessio Natalizia has been playing music since his youth, but it was only after moving to London—not to mention countless days spent on his girlfriend's laptop while waiting for her to get home from work—that he truly found his voice. Natalizia—who is also one half of Kompakt-signed duo Walls—effectively combines the sensibilities of an old-school singer-songwriter with a desire to explore washed-out melodic soundscapes and lo-fi bedroom beats. After releasing a string of singles and compiling hundreds of demos, Banjo or Freakout is finally ready to release his self-titled debut album, which comes out this month via Memphis Industries.
Listen: "Since We Last Met"
Listen: Walls "Hang Four (Banjo or Freakout Remix)"
- FeatureRecord Store Week: Pearson Sound, Matias Aguayo, Leon Vynehall, and Gerd Share Their Favorite Shops
- NewsWatch Eprom's Menacing New Video for "Center of the Sun"
- GearArtist Tips: Dusky Details Five Techniques for Producing Precise, Club-Ready Tracks
- MP3Aashton "I've Had Enough"
- NewsStream 'Gem Drops Four' Featuring The Range, Pixelord, Natasha Kmeto, Anenon, and More
XLR8R Downloads Player


Professionally build by Dennis of Wren Turbines
- Wren 100D Turbine.
- JSM Excalibur kit, retracts & tank.
- Hitec servo's (3x7985MG's, 1x 645MG, 2x 225BB).
- Overlander Lipo
- Top quality build by Dennis of Wren Turbines
- Dennis will accompanyyou on the maiden flight (must be local to Leeds).
The new JSM Xcalibur has been developed to meet the need for an attractive, easy to fly yet fully aerobatic jet sport model suitable for a wide range of turbines with thrust levels of between 50 Newtons (5Kg) and 100 Newtons (10Kg). Designed to enable a newcomer to turbines to enjoy immediate success the Xcalibur will also entertain the experienced jet pilot with its superb aerobatic abilities and wide speed range, the low speed handling being outstanding, particularly when the effective central flap is deployed, allowing operation out of smaller sites, whilst the (optional) heavy duty retract units with trailing link oleos makes grass field operation simple.
The fuselage and canopy of the Xcalibur are superbly moulded from epoxy/glass, whilst the tailbooms and flying surfaces are constructed from CNC cut balsa and ply, beautifully assembled and then carefully covered with heatshrink film. The wings slide on to a substantial carbon fibre wing tube, being retained with neat moulded clamps, and the tailbooms can also be removed quickly for transport or storage. The Xcalibur is very quick to assemble, with excellent access to the turbine and on-board equipment, making maintenance and reliable operation much simpler. A specially designed fuel tank is available that gives flight times of around the 10 minute mark, depending on the turbine being used and flying style.
- Fully aerobatic
- Perfect for grass flying fields
- Ideal for turbines from 50 to 100 Newton thrust
- Moulded epoxy/glass fuselage and canopy
- Removable nose section for easy access to batteries
- Lightweight built-up and fully sheeted flying surfaces covered in film
- Moulded wheel wells stop the ingress of grass, small stones or water - protecting the valuable and vulnerable turbine
- Quick and easy assembly/disassembly for transport and storage
- Optional high volume fibreglass fuel tank available
- Super strong carbon fibre wing tube
- Superb flying characteristics
- Optional retract system with oleos available
- Sleek aerodynamic design minimises drag allowing higher flying speeds
- Lightweight design and the effective flap enable exceptionally slow approaches and landings
||7.9Kg (17.6lbs) (Dry w/Jetcat P-60)
||8+ Channels (Req.)
Wren 100D Spec
- Max RPM 160.000
- Idle RPM 42.000
- Idle Thrust 0.35kg (0.75lbs)
- Thrust: 100 N ( 22 lbs )
- Size: 250 x 89 mm ( 9.8 x 3.5 " )
- Weight: 1040 grams ( 2.25lbs )
- Fuel consumption: 350 ml/ minute ( 12.3oz. )


Public or Activists
"Fossil fuel subsidies reckless use of public funds "
Climate wavering 'not justified' http://bbc.in/1bbHokJ **
retweeted by @bbcscitech
* 2Hype COP 19 Harrabin & @MattMcGrathBBC using headlines
Debunk : alleged fossil fuel subsidies? 95% is cheap petrol in 3rd world countries US & UK 0.4% of world
** Wavering on BBC Licence Abolition 'not justified' http://bbc.in/1bbHokJ due to BBC using LEADING headlines to plant opinion & hype COP19
BBC Breaking News @BBCBreaking 6 Nov
Atmospheric carbon dioxide rose more rapidly last year than past decade average - World Meteorological Organization http://bbc.in/HwjE1r
*** BBC reports effect of all that Green Energy worth paying mafia hedgefunds more ?
MMcGrath caught hyping
Today useful idiot Matt McGrath made another mistake confusing 41% with 141%
- Talking about CO2 increase from year 1750 levels of 280pp to todays 395ppm he wrote
“Since the start of the industrial era in 1750, global average levels of CO2 in the atmosphere have increased by 141%.”
found orinial text from an edit sniffer also here
news to audio service
why not just change the error 141% to 41%
..nowhere on the net can find Matt McGrath’s qualifications ..(Geography degree apparently
BBC Matt McGrath "sex up the scary" number trick
Don't say :
- Since the start of the industrial era in 1750, global average levels of CO2 have increased by 41%.
- Since 1750, global average levels of CO2 have increased to 141% of the pre-industrial concentration.
Don't say :
- Since the start of the 'global warming panic', global average levels of 'BBC Bias' have increased by 41%.
- Since the start, global average levels of 'BBC bias' have increased to 141% of the 'pre-global warming panic level'
Green PR agencies (like Futerra) know lots of rhetotical tricks.. but you can plug in any old nouns can't you ?
Harrabin : Planting political message headline
Wavering on UK climate policy 'not justified'
Is it loaded political message headline day or something ?
(Todays BBC headlines are all calls to action)
By Roger Harrabin
He's uses the super blacked photo trick again - to make industry seem evil and dirty, usually used to make steam cooling towers look like diry smoke
MMcGrath Planting political message headline
Matt McGrath's headline : - Fossil fuel subsidies 'reckless use of public funds'
signaling "call to politicalbelief" rhetoric
Would the BBC have a headline "Allowing immigrants a 'reckless use of public funds'
...and then link to a report produced by a thinktank associated with the English Defence League ?
0. It is a genuine new report, but it's basically an activist group
1. In they west they are not subisdies quote from BBC article
In the United States, for example, the government in 2011 gave a $1bn fuel tax exemption to farmers, $1bn for the strategic petroleum reserve and $0.5bn for oil, coal and gas research and development.
...And the UK gave tax concessions worth £280m in 2011 for oil and gas production. that's 0.4% of $500billion
2. In the third world there are actual subsidies, but that is vote buying from the poor ..and corruption (connected people can profit from exporting oil that they buy at subsidsed prices)
Greenpeace ship heading to Iran to End it's $80bn/year Fossil Fuel subsidies ?
- Jo Nova In 2012 debunk of Fossil Fuel subsidies shows no western country is in the top 15. Countries which give cheap petrol are counted as the biggesdt subsidises so Iran is #1 $80bn/yea
Bad for Green : Choose No political message headline
Welsh government's £48k wind turbine creates £5 of power a month
- note - how that headline is factual with no call to opinion : it could be : "Are Wind farms a big waste of taxpayers money ?"
The turbine was put its Aberystwyth office, rated excellent for sustainability, in 2009.- FOI by Taxpayers Alliance : £48K Welsh govenment turbine ..generates 33Kwh/month valued at £5.38
- "it had a technical problem.. now it's been fixed" ..they say now it generates £8.64 worth of electricity
Proof wait & Harrabin reports get debunked
- 15 minutes after posting here, that with a Harrabin report you should wait 6 months before believing it, I find these new reports about his report from 9 months ago
Re : throwing by catch back to sea rule change by EU :
Euro MPs back large-scale fishing reform to save stocks 6 February 2013
"The BBC's environment analyst Roger Harrabin says the vote is something of a victory for citizen power"
Comment on the Guardian Article : : The Guardian is catching up, retailing an expect view that the discards ban was "no great victory" for fish stocks. :(based on a paper in Fisheries Research, published online last month by a team from the University of East Anglia)
- Reported by Autonomous Mind Will BBC Harrabin’s bias be discarded after being caught in EU trawler nets ? - But that's the point Grantham's multi multi billion dollar green hedgefund is built on the FALLACY that wind/solar will become on par & cheaper than fossil fuels, but as long as fossil fuels are quite easy to dig out of the ground sellers can simply undercut prices even if there are technology advances in solar. (wind tech can't advance further)
... so with things like fracking he's stuffed
his only salvation is somehow fixing taxes & laws.
- Maybe some other BBC reports do stand the test of time
CO2 climate sensitivity 'overestimated' 29 November 2011
By Jennifer Carpenter Science reporter, BBC News
Seeker of truth prints 2 contradictory headlines within 1 week ?
- Report suggests slowdown in CO2 emissions rise
By Matt McGrath 31 October 2013
- Concentrations of warming gases break record
By Matt McGrath 6 November 2013
- so is Matt McGrath's job anything other than to keep CO2 hype alive , and brainwash again with steam photoshopped to look black ?
BBCEnviro using headlines to spread Cli-Terror
Embedded in BBC :fallacy of argument of authority
Here we all understand the fallacy of argument of authority... We are about getting to the truth of Validated Science
- but there is a problem that so many people like BBC reporters don't get it & are totally dependent on authority ..as soon as an issue comes up they don't try to spend a day or 2 trying to understand the issue ..they somehow get pointed towards one expert and that's enough for them ..what he/she says goes.
.. it's like the fallacy of the man wearing the white lab coat in the washing powder TV advert
(I get the impression they don't like to go to 2 or 3 experts cos that disturbs the simple picture they can handle)
1... If there was an easy authority these muppet reporters could go to they would like it
2... There must be scientific bodies in other countries which already produce good science and laugh at the stupidity of the IPCC & it's over extrapolation
Evan Davies giving Debden easy ride
failing to mention green biz interests
Surely Evan Davies is aware of BBC Editorial Guidelines www.bbc.co.uk/editorialguidelines
set out numerous considerations for content producers. To ensure our audience is clear about the background and expertise of interviewees on news programmes, content providers must abide by the following guidelines: We should normally identify on-air and online sources of information and significant contributors, and provide their credentials, so that our audiences can judge their status.*
We should not automatically assume that contributors from other organisations (such as academics, journalists, researchers and representatives of charities) are unbiased and we may need to make it clear to the audience when contributors are associated with a particular viewpoint **, if it is not apparent from their contribution or from the context in which their contribution is made.
Some at the BBC has integrity cos they wrote these rules, but I'd like someone to clarify why BBC staff don't obey them
BBC Green pension issue
Just use Google : TallBlokes Talkshop : BBC conflict of interest: Pensions relying on pushing alarmist climate agenda
- BBBC Discussion : Pension Fund Might Account for BBC AGW Bias
- Harrabin "I don’t even know the pension fund trustees." on WUWT
em Roger "the latest BBC Pensions Trust report, and it reveals that Helen Boaden, who is the overall boss of the BBC’s news and current affairs operation, was appointed to the trust in 2008" from tckev comment on omnologos.com ..So hasn't he met her multiple times ?
- Follow the money: BBC exposed in biggest climate racket on planet
It mentions UNEP so i wonder if there is a connection to Christiana Figueres "Member of the Scientific Advisory Panel of the UNEP Risoe Centre, Denmark."
and her husband Konrad von Ritter "working at the World Bank since 1989 on sustainable development issues, Sector Manager for Sustainable Development
- Words that think for us,” Edward Skidelsky explains why activists use the denier label
BBC Enviro : It's all about the headline
- Actually probably no-one reads BBCEnviro reports ..it all about sustaining the narrative by getting an alarmist headline into people's mind again like hitting a nail on the head again & again
- BBC's standard bias test "well both sides complain , so we must be right"
Stew's bias test "In a 2 side debate if a report is written in the language of one side then that really looks like bias, unless there is extraordinary evidence."
- we know BBCEnviro reports are miles to the left of what a skeptic would write, yet just a bit to the right of what the most extremist alarmist might write.
- In This MMcGrath report most of the speaking lines are given to Environmental groups ..then a bit from gov, Figures , coal corps ..no counter political view to the activists..so that's biased
... and he did mention Christiana Figueres conflict of interest with her families extensive rewables biz, NOT
MMcGrath quick to report 235 mph
Did you see what else our climate pornographer did last week ? 2 days after that in the Haiyan typhoon report he wrote "winds were 314 km/h (195 mph), with gusts up to 379 km/h (235 mph)" FFS don't winds of 235mph sound so extraordinary, if climate was your field you'd know it's unheard of so you'd really really double check. Apparently the Guardian had printed that Joint Typhoon Warning Center had said gusts were 235miles-per-hour, but the truth is no measurements exist, and PAGASA Philipinnes Nat weather services quoted 235Kmh (NASA's radar guess is around the same). WUWT has a good taketown.
I first tweeted that MMcGrath had surely confused Kmh with Mph so converted the 235KMh the Philippines weather service gave, although someone else could have made the mistake, Now it does seem JWTC did once report the 235mph based on satellite photo guessing..they seem to stand by that figure although a nice explanation would be that they made the coversion error cos being American they deal in mph.
95%→ 5%→ 95%
- I know to stay away from the Guardian & BBCEnviroment as their disrespect for science upsets me too much
Harrabin say sceptics abound on the BBC,
rubbish 95% of the air time goes to the fundamentalist 5% ..but not only that they get 95% of the anger
It's not only that Alarmists get more time but it's shouty time rather than calm
Are we too nice ? watch how cow calm and scientific Carter, Bish, Andrew Neil, Lawson are compared to namecalling rants of the dramagreens
Do we need our Mr Angry's ? our shockjocks (other than Delingpole)
exhibit 1 from Today's Today prog
Direct Audio link Here's one for you 7.35am There was an alarmist loony and Evan Davis was feeding some right easy leading questions "at a meeting last week the expert said the world is going to fall apart..what about these places that will become uninhabitable as the sea rises"(paraphrased)
in the wake of the typhoon there last week. Speaking to the Today programme's Evan Davis, Jim Yong Kim, President of the World Bank, discusses Typhoon Haiyan.)
Link to World Bank President Jim Yong Kim's article
exhibit 2 - from Today's Today prog 6.54am Direct Audio link
UEA research reveals why timing of bird migration is changing
"However, climate warming is resulting in earlier nesting and hatching earlier each year, and this appears to be linked to the advancing migration." OK This one is not angry but this makes the common fallacy of taking assumed science "climate is warming" as proven science. If climate is not warming, nor spring advancing this sounds bogus
- Let me channel Matt McGrath
Environment correspondent, BBC News|
"I just accidently mixed up Km/h with mph , so wrote 235mph then I accidently converted that to 379Kmh put it in a BBC news report and let the MEME escape out into the universe. Oh and then I never bothered to print a correction ... It's not like I do everything to exagerrate the alarmist cause, it's just new moves on"
Seems like MattMcGrathBBC is a paid piece rate* for the amount of Cli-porn he can get into an article 235Kmh→235mph→379Kmh
(*Greenpeace rate of course) .. is such accidentlys that feed conspiracy theories
What I is MattMcGrath must have worked with climate & weather stuff a lot so realised straight away that a ground level wind of 235mph is just about impossible and would have double checked straight away
..so it doesn't seem credible it's a mistake.
OK am I wrong there is one indep source of 235pm a guess by JWTC ..but only appeared once and is uncorroborated
2Skeptics abound on BBC output." says Harrabin
- over on Twitter the @DramaGreens just challenged him to name any more than Prof Carter, A Neil & UKIP people, a member of the public on Q Time|
...and H tweeted back Hitchens (Q Time), Bishop and Lawson
...OK Bishop and Carter were on on (1 time) 27th September and Lawson sounds plausible (but only 1 mention on Twitter and that's when he talked about the Euro not climate).. So I make that 6 and half in the last 2 months (or 37,000 hours, the BBC broadcasts 608 hours/day)
..do we know anyone else ?
So in last 2 months on BBC 6.5 skeptics spoke on climate whereas every WEEK we get dozens of climate alarmists including 6+ whose connection to greenbiz/NGOs & greenhedgefunds is undeclared
one scientist was on 9 times in 2 days his Greenpeace connection undeclared
dozen warmist every day including 6 who are connected to greenbiz & greenhedgefunds
Debden etc. )
daily mail MPs paid by ecofirms decide energy policy
- Lists Climate Change committee conflicts ..especially Debdens
and that Grantam Institute has 2 members plus one exemployee on
McGrath's Story : Pause caused CFCs
- Matt McGrath Ozone chemicals ban linked to global warming 'pause'|
"The impact of this change is small but not negligible: without the reduction in CFC emissions, temperatures today could have been almost 0.1C warmer than they actually are."
1. BBCEnviro are strongly acknowledging pause for first time
2. Does the conclusion match the headline ? 0.1C difference in 1998-2013, but AR4 says "a warming of about 0.2°C per decade "
thats 0.3C in 15 years
so wheres the rest ?
3. Geo-engineering can easily mitigate climate change ?
4. The research is published in the journal Nature Geoscience. bogus journal


text:
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domain: design


text:
In March of this year, China CITIC Bank released its 2020 annual report and highlighted its investment and progress in financial technology.
The annual report shows that in 2020, CITIC Bank invested 6.926 billion yuan in science and technology, an increase of 24.43% year-on-year; the number of science and technology personnel in CITIC Bank has quadrupled in two years to 4190.
With the increasing investment in technology, the achievements of China CITIC Bank’s digital transformation are gradually emerging:
China CITIC Bank and its peers have established a large-scale blockchain cooperation ecology among domestic banks, and the cumulative transaction volume of the blockchain trade finance platform has exceeded 10 billion yuan
China CITIC Bank successfully put into production the first independent distributed core system of domestic medium and large banks-Lingyun Engineering
China CITIC Bank has nearly 800 application scenarios for intelligent robots (RPA), the branch application coverage rate exceeds 80%, and the average business operation efficiency has increased by more than 20%.
On March 15th, Li Qingping, who has a “financial iron lady”, resigned as chairman of China CITIC Bank, and Zhu Hexin, who was the former vice governor of finance, took over. Zhu Hexin is an “old Bank of Communications” with more than 20 years of experience in the financial industry. Under his leadership, CITIC Bank’s layout in the field of financial technology may undergo major changes.
Build a digital CITIC Bank
China CITIC Bank, founded in 1987 and headquartered in Beijing, is one of the nationwide commercial banks. Its total assets exceed 7 trillion yuan and the number of employees is nearly 60,000.
In the “Top 100 Chinese Banking Industry 2020” released by the China Banking Association, CITIC Bank ranked 11th according to the ranking of core Tier 1 capital. In this ranking, China CITIC Bank surpasses China Everbright Bank and is second only to Minsheng Bank.
CITIC Bank, like CITIC Securities, CITIC Construction Investment Securities, CITIC Trust, CITIC Prudential Life and other companies, is one of the subsidiaries of CITIC Group.
In 2020, China CITIC Bank, together with other CITIC Group subsidiaries, provided customers with a combined financing scale of 107.82 billion yuan, a year-on-year increase of 68%, breaking the “one trillion” mark for the first time.
On March 25, China CITIC Bank Co., Ltd. released its 2020 annual performance report. The report shows that China CITIC Bank will achieve revenue of 194.731 billion yuan in 2020, a year-on-year increase of 3.81%.
In recent years, China CITIC Bank has continuously increased its investment in financial technology.
In 2020, CITIC Bank invested nearly 7 billion yuan in technology, an increase of 24% over the previous year, and technology investment accounted for 3.56% of operating income.
As of the end of 2020, CITIC Bank has 4190 scientific and technical personnel (excluding subsidiaries), a year-on-year increase of 31.68%, and CITIC Bank’s scientific and technical personnel accounted for 7.60%.
The number of scientific and technological personnel in CITIC Bank has quadrupled in two years, which is also a supplement to the upcoming larger-scale digital transformation.
At the beginning of this year, China CITIC Bank released a new three-year development plan, proposing to use high-tech as the engine and high-quality development as the theme to strengthen the development of light and intensive.
In order to achieve high-quality development goals, The financial technology structure of China CITIC Bank has been adjusted to “three committees, two departments, and two centers” . Compared with 2019, China CITIC Bank has added a new data management committee to its 2020 annual report.
At the same time, China CITIC Bank also proposed the implementation path of “one reform, two transformations and three challenges”. In response, China CITIC Bank proposed to accelerate digital transformation and light capital transformation.
In terms of ecological scenario layout and corporate cooperation, China CITIC Bank has jointly built more than 5,500 scenarios with hundreds of partners such as UnionPay, Didi, JD.com, etc., serving 5.2 million users and accumulating 390 million capital transactions.
In cooperation with artificial intelligence-related applications, China CITIC Bank has launched cooperation with the three Internet giants of BAT, and other well-known artificial intelligence application technology manufacturers such as Megvii, HKUST Xunfei, Tongdun and Bangsheng, enriching itself in various fields. Artificial intelligence applications on business lines.
CITIC Bank AI combat
Artificial intelligence platform
As early as 2017, the artificial intelligence platform “CITIC Brain” independently developed by China CITIC Bank was fully launched.
In 2018, “CITIC Brain” initially has the ability to provide intelligent services for retail, corporate, custody, and compliance.
In 2020, with the “CITIC Brain” as the main engine, CITIC Bank will build an “AI Model Center” and an “AI Efficiency Center”, implement 307 “AI + data” precision models, and serve more than 10 million customers intelligently in real time.
Among them, wealth management AI intelligent recommendation achieved online sales of 232.65 billion yuan, landing strategic customer equity chain applications, and increasing management assets by more than 52.2 billion yuan.
Intelligent risk control
The 2020 annual report shows that China CITIC Bank has accelerated the practice of intelligent risk control, independently developed real-time intelligent anti-fraud and anti-money laundering systems, with an accuracy rate of 90% for real-time transaction monitoring and interception, and offline risk control screening and intercepting more than 17,000 risk events.
The bank’s credit card center uses big data, machine learning, cloud computing and other intelligent technologies to introduce multi-dimensional new data to enrich customer risk profiles. In 2020, a total of 26 full-process credit risk scoring cards will be iteratively optimized, effectively improving the ability of risk control and precise policy implementation; Through machine learning algorithms, it has achieved a new breakthrough in more efficient and accurate risk decision-making capabilities, and realized a 20% increase in transaction amount.
In 2018, China CITIC Bank and Bangsheng Technology reached a cooperation in the construction of risk control and anti-fraud, and contributed to the upgrade of CITIC Bank’s intelligent real-time risk control system.
In the same year, China CITIC Bank also reached a cooperation with Tongdun Technology. Tongdun Technology provides smart risk control middle-office services for China CITIC Bank Credit Card Center.
According to the 2020 annual report, China CITIC Bank expanded its new customers by 12,800 new customers by increasing digital marketing and using the chain-based customer acquisition and product customer acquisition model, driving a deposit growth of 53.9 billion yuan.
In addition, CITIC Bank has also actively developed a retail business system, which has boosted the scale of assets by nearly 200 billion yuan, and the AI smart recommendation for wealth management has achieved CITIC Bank’s online sales scale of more than 230 billion yuan.
In 2017, China CITIC Bank cooperated with Suoxinda Holdings, a global financial AI big data and integrated intelligent marketing solution manufacturer, and introduced Suoxinda AI, big data and other leading technologies and end-to-end digital intelligent marketing overall solutions to comprehensively build CITIC Bank Leading digital marketing system.
Smart Customer Service
In October 2018, China CITIC Bank Mobile Banking launched an intelligent voice service product to help visually impaired users experience barrier-free mobile financial services.
With the support of Tencent Cloud’s intelligent voice and semantic understanding technology, China CITIC Bank’s mobile banking intelligent voice service has achieved rapid upgrades.
With the help of intelligent voice technology, CITIC Bank’s customer service robots can meet the needs of scenarios such as question and answer, transfer tasks, account query tasks, financial tasks, small chats, etc., and provide solutions for complex financial transaction scenarios.
In the same year, China CITIC Bank also cooperated with HKUST iFLYTEK in intelligent customer service.
CITIC Bank’s robo-advisory product-“Xinzhitou”, on the basis of agency fund sales, integrates technologies such as big data analysis and quantitative financial models.
“Xinzhi Investment” analyzes the customer’s investment pain points from the three stages of pre-investment, investment, and post-investment, and provides customers with a complete set of fund investment solutions based on the customer’s profile and target risk strategy.
Lu Tiangui, the current business director of CITIC Bank, once introduced the three highlights of Xinzhi Investment in 2018:
One is to intelligently match target risks and simulated returns based on the customer’s risk assessment results, and recommend the most suitable product combination. According to reports, Xinzhi Investment has built an intelligent risk assessment model based on multi-dimensional data analysis of more than 2 million customers.
Second, Xinzhi Investment not only has forward-looking market analysis by investment research experts and professional research on underlying products, but also uses big data, investment models, and intelligent algorithms to make up for the lack of human computing power.
Third, the user experience is convenient. CITIC Bank searches for the optimal combination from more than 4,000 funds, and directly pushes the recommended asset allocation combination to users. Users make decisions, purchase with one click, and enjoy follow-up services. Experts continue to track the macro market and Bottom product situation.
In 2020, China CITIC Bank successfully put into production the first autonomous distributed core system (Lingyun Project) of domestic medium and large banks.
As the first to be put into production in China, the new generation of cloud-based credit card core system with independent intellectual property rights-the new core system of China CITIC Bank Credit Card StarCard, will be the first anniversary of stable operation in 2020.
The data shows that StarCard has successfully carried the operation and management of 110 million accounts. The peak transaction value is as high as 4,500 transactions per second, which is more than three times that of the original system. The average transaction response time is only 36 milliseconds, which is effective for satisfying, membership days, rush to buy, and marketing. Activities, Double Eleven Shopping Festival and other high-frequency trading application scenarios.
At the same time, the bank’s credit card center has steadily promoted the construction of the second phase of the upgrade of the new core system of StarCard, and has completed 30 planned subprojects of the second phase, and implemented “second-level” real-time and intelligent data business scenario services.
The 2020 annual report shows that the China CITIC Bank blockchain platform is the first to pass 5 credible evaluations of the China Academy of Information and Communications Technology at one time. The blockchain forfaiting trading platform has been recognized by the People’s Bank of China and upgraded to a national industry platform.
The blockchain forfaiting trading platform is a large-scale blockchain cooperation ecosystem between domestic banks established by China CITIC Bank and its peers.
At present, the cumulative transaction volume of the blockchain trade finance platform has exceeded 10 billion yuan.
In 2017, China CITIC Bank launched an ecological financial cloud platform. It is understood that the cloud platform is operated by financial institutions, technology companies, professional institutions, regulatory agencies, etc., in accordance with the mechanism of division of labor.
In the 2018 annual report, 53% of CITIC Bank’s applications have been migrated to the cloud platform, and the system deployment efficiency has increased by more than 20%.
In the 2020 annual report, the overall cloudification rate of China CITIC Bank’s infrastructure reached 96.71%, and the infrastructure resources have T+1 day delivery capabilities.
At present, China CITIC Bank pointed out that it has completed the first stage of production of the bank-level data lake, and the basic data platform of “one lake, one database” has been basically completed, and the overall processing performance has increased by more than 50%.
RPA (Intelligent Robot)
In 2019, Daguan Data won the bid for the AI project of CITIC Bank Credit Card Center to provide it with RPA products and technical services.
The 2020 annual report shows that there are nearly 800 application scenarios for CITIC Bank’s intelligent robot (RPA), the branch application coverage rate exceeds 80%, and the average business operation efficiency has increased by more than 20%.
With online processes, mobile approvals, and intelligent customer identification, China CITIC Bank has shortened the time it takes to open public accounts by approximately 30%.
In terms of fingerprint recognition, China CITIC Bank and Lenovo Venture Capital Group’s subsidiary “National Authentication” reached a cooperation in 2018 to deploy a fingerprint login function module in the new version of mobile banking 4.0. Users only need to turn on the fingerprint login function to experience extreme speed Easy and quick to log in.
In the direction of face recognition, China CITIC Bank applied Megvii Technology’s face core product in 2018.
In the construction of mobile banking, China CITIC Bank is speeding up the construction of a multi-application ecological network with mobile banking as the main operating position and small programs as light touch points.
The dual APP of China CITIC Bank’s mobile banking and mobile card space is upgraded to version 7.0, and realizes interconnection; mobile banking APP 7.0 realizes the version switching that changes according to the customer, and on the basis of the popular standard version, it covers overseas finance, the elderly, and private banks. Five characteristic customer groups, small and micro, and foreign, provide personalized and exclusive services.
In the first half of 2020, China CITIC Bank has 10.85 million monthly active mobile banking (MAU) accounts, a year-on-year increase of 17%, and China CITIC Bank’s credit card APP “Moving Card Space” has 13.24 million monthly active users (MAU), an increase of 12% year-on-year.
As of the end of 2020, China CITIC Bank has 26.155 million online monthly active users, of which mobile banking APP transaction amount has increased by 20.66% over the previous year, and the replacement rate of e-banking transactions has reached 99.54%.
In terms of channel co-building, China CITIC Bank has also continued to strengthen online service integration. The mobile banking APP successfully launched the online business hall services of CITIC Securities and China Securities Construction Investment Securities, and jointly launched the CITIC Academy function with CITIC Publishing Group.
President Fang Heying: Build a first-class technology-based bank
At present, the senior management organization structure of China CITIC Bank presents a pattern of six presidents with “one director and five associates”.
On the evening of March 15, Li Qingping, the former chairman of China CITIC Bank, handed in her resignation. At the same time, the board of directors has elected the chairman of CITIC Group Zhu Hexin as the chairman of the bank, and the president of China CITIC Bank Fang Heying as the vice chairman.
Among them, President Fang Heying is a 25-year veteran of China CITIC Bank.
Since 1996, Fang Heying has worked at China CITIC Bank, where he has served as the bank’s financial market business director, Hangzhou branch president, and Suzhou branch president.
Now 55, he addressed the shareholders on behalf of China CITIC Bank in the 2020 China CITIC Bank Annual Report just released.
Looking forward to the next three years, Fang Heying stated in the annual report president’s speech that he will continue to increase investment in science and technology. Accelerate the digital transformation and build China CITIC Bank into a “first-class technology bank” , Through the same direction of technology and business, to drive more innovation and bring about greater changes.
At the level of financial technology, Lv Tiangui, the business director of CITIC Bank and the proposed vice president, also said in response to a question from a reporter from the Economic Information Daily that the goal of CITIC Bank is to build two major platforms in technology and data within three to five years. “Support and promote the transformation of the bank’s operation and management from informatization and digitization to intelligence, forming an agile + intelligent innovation system, and becoming a first-class technology-driven bank.”
Lu Tiangui also said that digital transformation has now been upgraded to a bank-wide strategy to promote the entire process of systematic changes from technology application, model innovation, process reengineering to organizational remodeling, and promote the improvement of the bank’s governance system and the improvement of governance capabilities.


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Southport – September 14, 2017
Annette, of Dutchman Creek Bait and Tackle, reports that inshore fishing has provided anglers with plenty of action. Black drum have been feeding well near oyster and dock structure when casting fresh shrimp on a Carolina rig.
Flounder fishing has picked up in the Cape Fear River and along the waterway. Those targeting deep water docks and creek mouths have had the most success. Live finger mullet and pogies on Carolina rigs have been the top baits.
A few speckled trout have been caught in the early morning hours. Targeting marsh points and banks on the high tide and oyster structure on the low tide has worked best. A few redfish have also been landed while trout fishing. Most fish have been willing to eat soft plastics worked off the bottom or live shrimp under float rigs.
Just off the beach, the spanish bite is still going strong. Trolling Clarkspoons around nearshore structure and bait pods has produced the best numbers of fish.
Out to the 5-15 mile range, kings have been feeding well. Trolling Drone spoons and dead cigar minnows has been the best method for landing keeper kings.
Davis, of The Tackle Box, reports that the flounder fishing has heated up. Anglers casting live finger mullet on Carolina rigs near dock and oyster structure have found quality fish.
Those chasing red drum have found the fish scattered in the marsh, specifically in the creeks. Most fish have bit live finger mullet and mud minnows on Carolina and float rigs. The average size on the reds has been 20-24”.
Just off the beach, the spanish bite remains strong. Anglers trolling Clarkspoons have picked up plenty of fish for the cooler. Kings have also started to move closer to the beach. Trolling dead cigar minnows and Drone spoons has been the ticket to hooking up with the kings.
Out at the Gulf Stream, the wahoo bite has improved. Anglers have found increasingly better numbers each day.
Tim, of Wildlife Bait and Tackle, reports that the big red drum have made a showing near the mouth of the Cape Fear River. Anglers fishing large pieces of cut mullet on the bottom have landed a few reds in the 30-40” range.
The speckled trout bite has produced well in the early morning. Casting topwater plugs along grass banks and shell beds has been the ticket. Live shrimp under a float rig has also worked well on the trout. Most fish have been between 15-18”, with a few bigger fish in the mix.
Those targeting redfish have had success in the shallow backwater creeks and bays along the Cape Fear and Elizabeth rivers. Live finger mullet pinned to a Carolina rig has worked best, but a few fish are being landed on topwater plugs and soft plastics.
The flounder bite has stayed steady along the Southport waterfront and on the nearshore reefs. Most anglers have had the best success fishing live finger mullet on Carolina rigs. Those at the reefs have also had luck dropping 2 oz. bucktails tipped with Gulp plastics.
Offshore, the bottom fishing has kept anglers busy. Grouper, black sea bass, grunts, and snapper have all been landed.
In the surf, the whiting bite has picked up. Many good-sized fish have been landed on fresh shrimp and sand fleas.
Mark, of Angry Pelican Charters, reports that bait pods just off the beach have been plentiful. Following right behind all the bait, the spanish have been feeding well. Trolling with brightly-colored spoons has worked best for the spanish.
Shark fishing has also been solid in 25-40′ of water with live or fresh dead baits.
In the 10-20 mile range, smaller kings have been actively chewing. Targeting structure in 50+’ of water has been the key to finding good numbers of fish.
Offshore, in 70+’ of water, the bottom fishing has heated up. Grouper, grunts, black sea bass, triggerfish, and amberjacks have all been boated when dropping to the bottom.
Wally, of Oak Island Charters, reports that anglers targeting the shallow water creeks near Bald Head Island have picked up a variety of fish. Flounder, speckled trout, and redfish have all been present and feeding in these areas. A mix of live finger mullet and shrimp has gotten the job done.
Just off the beach, the flounder have shown up in good numbers on the nearshore reefs. Dropping live finger mullet on Carolina rigs has been the best way to boat quality fish.
The offshore grouper bite has started to heat up.
Ryan, of Fugitive Charters, reports that inshore fishing has provided action with over-slot redfish. Targeting grass banks with live minnows has been the key to locating fish. The flounder bite has also been solid. Tossing live finger mullet on Carolina rigs near docks and marsh banks has done the trick.
The nearshore flounder bite on the reefs has picked up. Anglers dropping bucktails tipped with Gulp plastics (as well as live baits) have found success.
Trolling Almost Alive spoons just off the beach has hooked anglers up with plenty of big spanish. Most fish have been in the 2-4 lb. range, with a few bigger fish in the mix.
Bottom fishing offshore has produced snapper, black sea bass, triggerfish, and grouper.
The king bite has been heating up, and trolling dead cigar minnows has been the best way to produce fish.
Susan, of Ocean Crest Pier, reports that bottom fishing has slowed down. However, the spanish and bluefish bite has provided anglers with lots of action. Most fish have been hooked when casting Gotcha plugs and Stingsilvers from the end of the pier.

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Limited edition of 200 copies only! Vibin' presents the next release after their debut “Time To Vibe Vol. 1”. The 7-inch release ”Pieces Volume 1” contains 4 nice instrumental tracks with the right chop produced by Tesk & Clav Split and comes in a hand-stamped cover.
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The Big Blue Saw Designer has support for constructive area geometry (CAG). AFAIK, this is unique among open source CAD programs, and rare among CAD programs in general.
Most CAD programs are designed as automatic drafting tools, not as tools to make real world objects. Computer Aided Drafting instead of Computer Aided Design, in other words. This program focuses on designing parts, rather than just making lines and circles.
You can combine or add shapes together simply by dragging them so that they overlap. To subtract, or make a hole, select a shape, right-click and choose "Subtractive" from the pop-up menu. The shape will then form a hole in the part.
Added Java version checker applet. Made default drawing size bigger.
Numerous user interface changes, including adding online help, making the Esc key do something useful, and adding buttons for togglng the subtractivity of a drawing object and editing an object's geometry.
Much better interaction with the website, including working around popup blockers


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Otolaryngology Full Time Permanent jobs in Fargo
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FARGO, NORTH DAKOTA (USA). Sanford Health has an opening for a BE/BC Fellowship trained Head and Neck Surgeon to join the collegial group of energe...
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Gigi Hadid arrives at the 2016 AMAs in a Roberto Cavalli gown.
Gigi Hadid was a master of outfit changes at the American Music Awards on Sunday night.
The 21-year-old model co-hosted the show, which honors the year’s best in music, with comedian Jay Pharaoh. When she hit the red carpet, Hadid opted for a Roberto Cavalli sheer lace gown that could have also served as a bohemian-chic wedding gown. While we couldn’t see her heels on the red carpet, we got a good look at some of her footwear when she got onstage.
Gigi Hadid’s Roberto Cavalli gown hid her heels.
Hadid wore a series of form-fitting, revealing outfits, including two looks by designer Julien Macdonald. Strappy sandals were the go-to style for the leggy Hadid.
Hadid paired her Julien Macdonald ensemble with strappy sandals.
Gigi Hadid, seen here with co-host Jay Pharaoh, wore this Julien Macdonald dress with matching tan sandals.
Hadid also wore two glittery gowns — one by Nicolas Jebran and one by Atelier Versace. She wore coordinating Le Silla red pumps with the Versace gown.
Hadid in a Nicolas Jebran dress and black strappy heels.
Hadid in an Atelier Versace dress and red sparkly Le Silla pumps.
She closed the show in a disco-esque custom Atelier Versace sheer jumpsuit and Dsquared2 silver lace-up sandals.
Hadid closed the show in this custom Atelier Versace jumpsuit paired with Dsquared2 lace-up sandals.
Click through the gallery to see what more stars wore on the red carpet at the 2016
Chrissy Teigen Flashes a Lot of Leg in Barely-There Dress and Strappy Sandals at AMAs
Gigi Hadid Rocks See-Through Roberto Cavalli Dress at AMAs Red Carpet
The Real Reason Kylie Jenner Missed the AMAs
Ciara Debuts Baby Bump in Sky-High Pumps on the American Music Awards Red Carpet — Sign up for the FN Newsletter —

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CUNA and NAFCU: Regulatory relief proposals from the NCUA Board on Thursday will, in general, benefit credit unions.
Trade organizations have submitted their regulatory wish lists to the NCUA as the agency prepares to undergo its annual rule review.
Agency also releases supervisory letter to examiners to help ensure Regulation Z compliance.
How words are banned, CUSOs are regulated and board members are and aren't appointed are some examples of a world gone mad.
I was galled at the childishness of bankers in Vermont putting the regulator up to blocking a credit union from using the term “banking” in its marketing materials, and the state regulator for his, at best, naiveté. Readers had the same reaction as you can see from the comments posted...
WASHINGTON — Two credit union witnesses voiced disagreements over the impact the Dodd-Frank Act has had on their credit unions when they testified July 19 before the House Financial Services Subcommittee on Oversight and Investigations.
Contrasting views on Dodd-Frank impact at House hearing. See what the CUs had to say in this preview from our July 25 print edition.
CUNA Senior Vice President Mary Dunn said Monday the White House is unlikely to appoint a replacement for NCUA Board Member Gigi Hyland this year.
NCUA’s examiner training in Orlando last month and listening sessions this summer are a step in the right direction, trade organizations say, and senior NCUA officials have been open to discuss exam issues and ways to improve the process.
Topics discussed at the event covered NCUA’s new interest rate risk policy, member business lending regulations, the exam appeal process, overdrafts and the Consumer Financial Protection Bureau.


To fasten; to fix.
To bind or fasten together with a lashing of small stuff, as yarn or marline; as, to seize ropes.
To bind two parts of rope together to keep them secure
To become corroded or welded together in use, as two moving parts, or the threads of a fastener and the hole it's screwed into.
To lash or bind ropes together.
To make a secure binding at the end of a wire rope or strand with SEIZING WIRE or SEIZING STRAND.
To bind securely the end of a wire rope or strand wfth seizing wire or strand Tapering & Welding - Reducing the diameter of the end of a wire rope and welding it to facilitate reeving
Bind with small stuff, usually to bind two ropes together or one rope to an object.
to bind with marline or wire to prevent accidental opening or unraveling


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According to the latest update, the audio album of Dora’s Telugu version will be unveiled on March 7th. The film, also starring Srimanthudu fame Harish Uthaman, is directed by Doss Ramasamy and produced by Sarkunam and Hitesh Jhabak.
Dora’s music has been composed by Vivek Siva and Mervin Solomon.
- Kanam will movie you completely- Sai Pallavi
- Bharath Ane Nenu grosses 100 crores
- Star hero to become a dad yet again
- Nela Ticket’s fun teaser is out
- Mahesh-Namrata’s amusing picture goes viral


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Hurricanes are precise —
Cell phone-situation dataset reveals correlation with election outcomes.
Earlier than Hurricane Irma hit Florida in 2017, radio entertainer (and Florida resident) Dawdle Limbaugh falsely ranted that landfalling hurricanes are “never as solid as they’re reported,” claiming that life-saving forecasts are exaggerated “to advance this local weather alternate agenda.” Beyond his radio viewers, the comments generated a stunning amount of facts protection. But Limbaugh evacuated his beachfront mansion about a days later.
Given the cultural polarization about definite scientific facts, it’s stunning to wonder if these irresponsible falsehoods had a discernible impact on evacuations. UCLA’s Elisa Long, Keith Chen, and Ryne Rohla outmoded a cellphone-situation dataset to search out out. They when in contrast evacuations for Irma to those in Texas for Hurricane Harvey and to Florida’s 2016 Hurricane Matthew.
The dataset contains anonymized areas from hundreds of hundreds of telephones, so it requires some simplified processing. Every cellphone’s dwelling situation is defined by its most frequent situation in the week old to the vital storm alert. Then, for a window of time across the storm, evacuations are certain by a alternate in situation that lasts as a minimum 24 hours.
Every dwelling situation is additionally assigned to its vote casting precinct. So in line with the implications of the 2016 presidential election, the researchers were shopping for a correlation between evacuation charges and the political tilt of the precinct.
Evaluating Harvey evacuations in the Houston situation to Matthew and Irma evacuations in Florida, Irma stands out. The evacuation price appears to be like vastly lower in precincts the set a increased fragment of votes went to Donald Trump. Total, about 37 p.c of the telephones in Florida were recorded as evacuating, but these correlations disguise something like a 7-11 p.c disagreement in the evacuation price in line with vote. There’s no fundamental sample like that in the opposite two hurricanes that were examined.
The researchers sought for one more correlations to take into story if the political connection on the whole is a twist of destiny. Nonetheless they are saying issues like income, training stage, and distance from the cruise don’t point to the sample. On condition that the timing of the divergence lines up with Dawdle Limbaugh’s comments and the following media protection, the researchers draw a reasonably solid conclusion that this “illustrates a smooth behavioral consequence of science denialism”.
It’s doubtlessly stunning to deliver the suggestions are consistent with their hypothesis, but demonstrating a causal link isn’t any longer easy. The researchers tag old surveys that identified some political/ideological differences in attitudes about evacuation in Florida (but no longer in Texas). That doesn’t approach by in the 2016 Hurricane Matthew facts for Florida, but that dataset additionally isn’t reasonably as ideal. It contains about 70 p.c fewer telephones (even though 378,000 is quiet plenty) and an total evacuation price that became no longer up to half of Irma’s on story of fewer got here from counties with storm warnings.
The dataset will seemingly be unparalleled, but that manner historical context is proscribed, making it tough to be confident that a given observation is indubitably unusual. Restful, a gap in evacuation charges along occasion lines is anxious and grand of take into story. Partisan divides about local weather alternate in Florida tend to melt once the field turns to purposeful choices about dealing with sea stage upward push. Hurricane security, too, must live grounded truly—and no longer discuss radio.


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St Catherine’s Hospice have been forced to cancel their main fundraising event of the year. “Symphony at the Tower” was due to take place this weekend at Hoghton Tower and was billed as an evening of music and fireworks.
Bosses fear that with upfront costs and the loss of ticket sales they could be facing a loss of £93,000.
The Hospice has consulted with a number of professionals including the fire service, police and their own Health & Safety Consultant, Ian Routh, who says that, “Due to recent poor weather and having visited the site twice over the last few days, I found the fields waterlogged in many places and far too hazardous for safe car parking and for pedestrians carrying their outdoor equipment. With more rain expected ground conditions are likely to deteriorate further and so the Hospice has been left with no choice but to cancel the event. I fully endorse the decision of Stephen Greenhalgh, Chief Executive of St Catherine’s Hospice to cancel this event.”
The Symphony at the Tower is St Catherine’s flagship event and 2012 would have been it’s18th firework concert. At this late stage, many set up costs have already been paid and, when these are added together with profit from ticket sales, the Hospice could lose up to £93,000. The Hospice are saying they will do all that it can to cope with the loss but this will not be easy in times of economic recession.
The Hospice issued a statement on their website saying “We thank everyone who planned to come to the Symphony at the Tower and apologise for the inconvenience that this decision, even though it was unavoidable, will have caused. We are also grateful to those supporters who may generously choose to donate their tickets. However, for those who wish to claim a refund, a special call centre has been set up and lines will be open from 10am Monday 9th July. The call centre numbers are 01772 695290 or 01772 324540.”
Stephen Greenhalgh, Chief Executive said “St Catherine’s has had to face a number of challenges during its 27 year history and it has pulled through largely due to the positive and unrelenting drive of its staff, volunteers and supporters. That spirit continues be very much alive at St Catherine’s and we will do all in our power to overcome this latest difficulty. We have the best supporters, friends and volunteers in the world here in South Ribble, Preston and Chorley and that makes all the difference!”
target=”_blank”>More information is available on their website


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Apparently the temptation was too much to pass up. The Federal Board of Revenue (FBR) has decided to go after the flourishing online marketplace and imposed a 2 percent withholding sales tax on the goods sold through these platforms.
FBR’s decision has perturbed the individuals and businesses working the online marketplace, who have reacted strongly and termed it a counterproductive measure of the government which may result in flight of capital and growth of unregistered business in Pakistan.
Through the Finance Act 2021-22, FBR has defined the online marketplace as an electronic interface such as a marketplace, e-commerce platform, portal or similar means which facilitate sale of goods, including third party sale, in any of the following manner, namely: (a) by controlling the terms and conditions of the sale; (b) authorizing the charge to the customers in respect of the payment for the supply; or(c) ordering or delivering the goods.”.
Furthermore FBR has expanded the scope of Tier-1 retailers and included a retailer
operating an online marketplace supplying goods through e-commerce platform, whether or not the goods are owned by him; and a retailer who has acquired a point of sale for accepting payment through debit or credit cards from banking companies or any other digital payment service provider authorized by State Bank of Pakistan.
Also, Section 3(3) has been amended to impose liability to pay sales tax (in the case of supply of goods through online market- place), of the person running online market- place, whether or not the goods are owned by him.
According to FBR, Daraz has issued 391,343 cash invoices aggregating to PKR
292.394 million and it has charged a tax of PKR 34.446 million. Similarly, it has issued 7018 credit or debit card invoices having sale value of PKR 18.76 million and charged tax to the tune of PKR 1.974 million.
“This is against the Prime Minister’s initiative of making digital Pakistan”, Daraz Pakistan President Ahsan Saya told to The Truth International (TTI). “It will push online sellers to go offline”.
“Online marketplace is a nascent industry it has not developed very much. It is the future of Pakistan and if it is not encouraged today, it would not grow,” Saya said.
He added: “It is very difficult to pay taxes for the online marketplaces at the moment because most of the sellers are already registered; few are offline; some are exempted and FBR has data of those who are unregistered; FBR cannot simply shift its responsibility of collecting sales tax from unregistered to the online sellers”.
The Daraz chief said FBR had increased the compliances for online marketplaces which will take around six to eight months to be implemented and as a result, new investment in the online industry would stop.
Ahsan saya has urged that FBR to revisit its decision as this will get only PKR 7.5 to 15 million as a tax but would create unsurmountable problems for online sellers. “Daraz has more than 35,000 online sellers which were only 3,000 three years before. The government should facilitate online sellers. One seller is creating three to five jobs”, he said.
Online market industry is worth more than USD 1 billion in Pakistan it has a huge potential and is growing with the speed of 50 percent to 80 percent annually. Accord- ing to recent estimates around 1.5 percent of the retail market in Pakistan is online. Globally it is about 20 percent but in China it is 50 percent.
Saya says he has no doubt the FBR proposal will push online consumers to offline markets. Online marketplaces will founder, more than 50 thousands marketplace jobs will be lost, and foreign market will become more attractive to Pakistani consumers.
The COVID-19 pandemic and the subsequent lockdowns have helped startups worldwide lap quick growth. According to invest2innovate, in Pakistan as well, the onslaught of the pandemic this year has promoted an increased reliance on online shopping.
Fashion is the largest segment of eCommerce in Pakistan and accounts for 70 percent of the revenue. This is followed by electronics & media with 12 percent, food & personal care with 9 percent, toys, hobbies & DIY with 4 percent, and furniture & appliances with the remaining 4 percent.
“The world is moving to online markets”, says Zulfikar Thaver, President Union of Small and Medium Enterprises (UNIS- AME). “The government of Pakistan is trying to promote it as well but FBR’s policies are taking the opposite direction. General sales tax has already been imposed to discourage consumptions. If FBR wishes
to collect income tax from the online marketplace, it should withdraw GST”.
FBR measures will be discouraging in a way that there will be tax on every online merchant and this tax will be collected by the marketplace themselves from the customers. This will literally have such a negative impact on the ecommerce industry, he said.
Pakistan is the 46th largest market for e-Commerce with revenue of USD 4 billion in 2020, placing it ahead of Peru and behind Greece.
CFO Daraz Pakistan Ahmad Hassan said: “We believe that it would drastically hamper the industry. Without online marketplaces that help sellers effectively reach and engage with users by leveraging internet and leading technology, SMEs likely would not be able to compete effectively and complete as many transac- tions; therefore reducing the overall economic activities, number of jobs created, and tax collections”.
From consumers’ perspective, they would also lose convenient access to a large number of goods across categories that are important to their daily lives, negatively impacting the quality of their lives. This similarly would likely result in reduced level of economic activities, he added.
Pakistan has a predominantly young population with 65 percent below the age of 24 years, who have responded positively to the online retail format offered by modern online grocery retailers. Therefore, a retail market worth USD 125 billion a year, out of which USD 48 billion attributed to groceries alone presents the startup ecosystem with an abundance of opportunities.
FBR measures have also provoked startup companies in Pakistan which termed it would discourage our young population’s uptake of the online marketplace.
According to Invest2Innovent, E-commerce accounted for the highest average ticket size (USD 6.6 million), followed by health-tech (USD 4.8 million), and Fintech (USD 3.5 million) in 2021
Pakistani startup ecosystem continues to reach new highs. Pakistani startups have raised USD 101.12 million in 2021; Top funded sectors in terms of total amount raised include e-commerce USD 84 million (44 deals), fintech USD 48.62 million (26 deals), transportation/mobility USD 44.53 million (12 deals), and health USD 19.07 million (24 deals)
Market expansion in Pakistan is expected to continue over the next few years, as indicated by the Statista Digital Market Outlook. It has been predicted that the compound annual growth rate (CAGR 20-24) for the next four years will be 16 percent.
Compared to the year-on-year growth of 84 percent, this decrease suggests a moderately flooded market. Another indicator of market saturation is the online penetration of 19 percent in Pakistan; in other words, 19 percent of the Pakistani population has bought at least one product online in 2020.


The Navy must review thousands of general and other-than-honorable discharges awarded to sailors and Marines over the past decade for behavioral problems that may have stemmed from a military-related mental health condition or sexual assault.
U.S. District Court Judge Charles Haight approved a settlement Monday in a class-action suit known as Manker v. Del Toro, which alleged that the Navy and Marine Corps wrongly discharged members for behavior that may have been related to trauma or an injury they endured while serving.
Under the settlement, the Navy will be required to review and reconsider all discharge upgrade requests made from March 2, 2012, to Feb. 15, 2022, that were partially or fully denied.
The review of these cases will be automatic; service members will not need to request one.
But the settlement also gives those who were discharged and denied an upgrade from Oct. 7, 2001, through March 1, 2012, the opportunity to reapply for a change in their status with the Naval Discharge Review Board.
The suit stemmed from the case of former Marine Cpl. Tyson Manker, who was dismissed from the service with an other-than-honorable discharge after he was caught using marijuana. Manker told The New York Times that he turned to the drug after being exposed to a series of traumatic experiences in Iraq in 2003.
Manker applied for an upgrade in 2016 but was denied, as have roughly 85% of requests filed to the Naval Discharge Review Board by sailors and Marines.
A general discharge under honorable conditions precludes a veteran from accessing their GI Bill benefits. An other-than-honorable discharge, also known as a "bad paper discharge," prevents veterans from receiving medical care, disability compensation and education benefits through the GI Bill at the Department of Veterans Affairs.
These discharges also can affect a veteran's long-term earning power, since many employers will not hire anyone with less than a good conduct discharge.
Monday's ruling, in the U.S. District Court of Connecticut, follows Haight's ruling in April 2021 that required the Army to review its other-than-honorable discharges dating back to April 17, 2011.
The Army already had initiated the review of an estimated 3,500 discharges, but the settlement in that case, Kennedy v. McCarthy, also required the service to notify soldiers given bad paper discharges from Oct. 7, 2001, to April 16, 2011, that they could apply for an upgrade or appeal a previous decision.
More than 51,400 discharges under other-than-honorable conditions were issued for active-duty personnel from fiscal 2010 through 2020, according to the Defense Manpower Data Center.
Under the Manker settlement, the Navy will allow veterans to appear before the Naval Discharge Review Board by video teleconference -- a change from the requirement that they travel to Washington, D.C., for their hearings. The service also will be required to increase training for board members.
Navy and Marine Corps veterans, including members of the reserve component, who were discharged under general or other-than-honorable conditions and who also have a diagnosis of -- or symptoms of -- post traumatic stress disorder, a traumatic brain injury, mental health conditions or were victims of military sexual trauma may be eligible for the review.
Status upgrades will be decided on a case-by-case basis and are not guaranteed, noted Manker's legal team, which included the Veterans Legal Services Clinic at Yale Law School and Jenner & Block LLP in a press release.
In granting approval of the settlement, Haight called it "an impressive example of the manner in which a class action can be made the vehicle for doing substantial justice."
Brandon Baum, with the Veterans Legal Services Clinic, could not provide an exact number of veterans who may be affected by the ruling but said in an email that it could be in the "tens of thousands."
Garry Monk, executive director of the clinic, said the settlement "helps bring accountability and justice for thousands of veterans suffering every day from the invisible wounds of war."
"It is a recognition of their service, their value, and their dignity, and we look forward to the impact it will have on the lives of so many service members," Monk said in a press release.


text: I had a knee replacement on May 24th 2014 by Mr Shanbhag. The operation and after care was exceptional. My last appointment with him was today, I was given a further x ray, and he took time to explain everything that had happened. What to expect in the future. Nothing was too much trouble. Very very impressed, thank you so much.


The Honor Play was first revealed in Asia at the beginning of this month. At IFA in Berlin, Honor announced the launch of this gaming phone around the world.
The Samsung Galaxy Note 9, see our full review, recently launched with a partnership with Fortnite as gaming on a lovely, large display device was a great demonstration of its power and the glorious large Samsung display. While enterprise users aren't necessarily gaming on their work phones, pushing these mobile devices to handle high end graphics leads to further enhancements in mobile devices with AR, VR, and heat management.
The Honor Play is powered by a high end Kirin 970 processor and Honor's new GPU Turbo. The new GPU Turbo is advertised at providing an average frame rate of 40 on PUBG Mobile while allowing up to 4.5 hours of gameplay. AI vibration is also part of the experience so you can 'feel' the game.
- Processor: Huawei Kirin 970 octa-core
- Display: 6.3 inch 2160x1080 pixels resolution
- Operating system: Android 8.1 Oreo with EMUI 8.2.0
- RAM: 4GB
- Storage: 64GB internal with microSD expansion card slot
- Cameras: Rear 16 megapixel f/2.2 and 2 megapixel f/2.4 aperture cameras. Front 16 megapixel with f/2.0 aperture
- Battery: 3750 mAh
- Wireless connectivity: 802.11 a/b/g/n/ac WiFi, Bluetooth 4.2
- Dimensions: 157.9 x 74.3 x 7.5 mm and 176 grams
- Colors: Ultra Violet, Navy Blue, Midnight Black, Player Edition Red, Player Edition Black
While most manufacturers, including Huawei, have removed the 3.5mm headset jack from its flagships and focused on wireless headphones, the Honor Play has a 3.5mm audio port.
Honor is clearly focused on the gaming and multimedia experience with the GPU Turbo being a major asset of this phone. It is reported to increase efficiency by 60 percent and reduce SoC energy consumption by 30 percent. 3D audio and the 4D Smart Shock vibration are designed to help you engage more closely with the gaming experience.
Pricing and availability information will be revealed shortly.
PREVIOUS AND RELATED COVERAGE
The Honor Play smartphone has launched in Malaysia, Singapore, and the Philippines with price-competitive specs and partnerships with popular game titles PUBG and Asphalt 9 to boot.
Mobile will account for more than half of $137.9 billion gaming revenue expected this year and there's no better time for a smartphone to tap into that, an Huawei Honor executive says.
The 5.8-inch Honor 10 is the flagship Honor device for 2018.
How to watch Apple's September 12 event on any device (TechRepublic)
Apple has announced the date for its next event: September 12, 2018. September is typically the time Apple announces new products, so fans are sure to want to tune in.


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Dutch Consumer Confidence Remains Stable … RTT
Dutch Consumer Confidence Remains Stable In June
Dutch consumer confidence held steady in June after weakening slightly in the previous month, figures from the Central Bureau of Statistics showed Thursday.
The consumer sentiment came in at 23.0 in June, the same reading as in May.
Willingness to buy decreased a fraction in June, while consumers judge the same in June about their financial situation as in May.
In an another report, the statistical office revealed that annual consumer spending growth remained stable at 3.0 percent in April.
In April, consumers mainly spent more on durable goods, clothing, shoes and cars.
by RTTNews Staff Writer


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Mark Pavelich Death – Dead, Obituary, Funeral, Cause Of Death, Passed Away: Former #NHL player Mark Pavelich has died at the age of 63. Pavelich was also a former member of the 1980 Miracle on Ice U.S. team that won gold at Lake Placid. Pavelich had recently been admitted to a mental healthcare facility for treatment, which is where he was found.
With a heavy heart, we announce the passing of Mark Pavelich through social media publications made on Twitter.
This death has caused a lot of friends and family of Pavelich so much hurt. It is in that mourning spirit that the concerned persons have taken to social media to share tributes to the deceased and condolences to the affected family.
Tributes To Mark Pavelich
Across social media users’ timelines are statements that show respect, admiration, and gratitude towards Singleton as people mourn the passing.
“Wow, Mark Pavelich was found passed away. Really sad. He was part of the great Ranger Smurf line. He had psychological issues and legal ones. But an awful outcome for a man that gave me great memories. Rip Mark.”
You may use the comment section below to leave a statement on the death of Pavelich. To inform other online friends and relatives about this passing, you may use any of the social media share buttons below to do that.
More information on the death of Pavelich will be updated as we receive it. Official obituary publication will be made by the family of the deceased.
This publication does not contain information on Mark Pavelich’s funeral plans and visitations. You may wait for the family to release a statement on that or reach out to them when it is convenient for them to speak.
Family privacy should be respected at this difficult time. Our thoughts and prayers are with everyone affected by the passing of Pavelich.


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PHOTO EXCLUSIVE: Backstage at Drury Lane's Young Frankenstein With Allison Sill and Johanna McKenzie Miller
By Matthew Blank
Drury Lane Theatre presents the Mel Brooks musical Young Frankenstein at its home in Oakbrook Terrace, IL. Leading ladies Allison Sill ("Inga") and Johanna McKenzie Miller ("Elizabeth") share some photos from backstage.
The cast is led by Devin DeSantis as Dr. Frederick Frankenstein, Jeff Award winner Jeff Dumas as Igor, Johanna McKenzie Miller as Elizabeth Benning, Scott Calcagno as Inspector Kemp/Hermit, Jeff Parker as Dr. Victor Von Frankenstein, Jeff Award winner Paula Scrofano as Frau Blücher, Allison Sill as Inga and Travis Taylor as The Monster.
The production is directed by Drury Lane Theatre Artistic Director William Osetek and choreographed by Jeff Award winner Tammy Mader.
Young Frankenstein premiered at the Hilton Theatre (now the Foxwoods Theatre) on Nov. 28, 2007, with a book by Tony Award winners Mel Brooks and Thomas Meehan and music and lyrics by Brooks.
For more information call the Drury Lane Theatre box office at (630) 530-0111 or visit drurylaneoakbrook.com.
Send questions and comments to the Webmaster
Copyright © 2014 Playbill, Inc. All Rights Reserved.


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Added Jun 6, 2013
These are my wearable muslin for the Colette Clover trousers. They’re a little big, but wearable and comfortable! I did have to add some crazy cuffs to make them long enough! I’m hoping my next version will be perfect – I think I’ve worked out my fitting issues! Blogged here
Houndstooth check polyester stretch something
Check out this sneak peel of this Thursday's live web seminar
Chat sewing inspiration with the instructor behind our mood board and fashion design course!
Enter to win weekly drawings and a fabulous grand prize!
The lines of Greek architecture inspire this neutral and pastel collection.
Meg's Magazine Mash Up!
Check out Meg's variation of our Drawstring Gym Shorts, and see how she made them high-fashion!
You must allow our "request for permission" request to login to Burdastyle with Facebook.


BMW Z11 (E1) (1991)
Nowadays it’s difficult to surprise someone with the phrase “BMW hatchback,” “BMW electric car,” “BMW hybrid,” or “BMW front-wheel drive compact MPV.” But the German brand had a slightly different image in the early 1990s. However, it had no effect on the Munich engineers’ experiments. For example, the electric hatchback E1 (Z11) debuted at the Frankfurt Motor Show in 1991.
The rear wheels of the little car are rotated by an electric motor with a capacity of 50 horsepower. The prototype was light since the body was constructed of plastic and the chassis was made of aluminum. The highest speed was 120 kilometers per hour, and the power reserve was 200 kilometers. Even by today’s standards it’s not bad at all.


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IFAJ is trying a different approach to its communications. New efforts are being made to better use the IFAJ website. Starting this week, news articles will be published much more regularly on the website. Each article will be preceded by an e-alert to all website news subscribers announcing that a new story has been published on the website …
Fill in your email address and send in your subscription by clicking the ‘subscribe’ button. Alternatively, if you want the e-alert to be sent to another person in your association or sent directly to the members, please supply the relevant email addresses to IFAJ global assistant Anne Kluivers at globalassistant[at]www.ifaj.org.
It is hoped that this approach will make IFAJ news available to readers in a much more timely fashion than our previous and long-standing news vehicle, the newsletter. It should also prompt increased use of the IFAJ website, which will depend in part on the relevance and quality of articles submitted by executive committee members.
Should you have news stories or any submission for the website, please send them to IFAJ news editor Karlie Elliott Bowman, at k.elliott.bowman[at]gmail.com.
In the interests of timeliness and minimizing costs, news articles posted on the website will not be translated into additional languages. Instead, readers will be directed to use google translation or similar services to translate any article into the language of their choice.
This new approach to news on the IFAJ website follows discussion among the communication sub-committee and the executive committee in Berlin in January.
It is being launched on a trial basis, and will be reviewed in September, when the communication sub-committee and the executive committee meet during the annual congress in Scotland.


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During this guided tour you will paddle the majestic Wailua River and experience the original home to the first Hawaiians who came from the Marquesas Islands to Kauai almost 1500 years ago. Our expert guides will tell the legends along the way allowing you to learn about the flora and fauna of Kauai’s most sacred area. After paddling past numerous Heiau (sacred shrines), you will view ancient Kamokila Village, the sight made famous in the jungle scene of the film Outbreak.
We start the guided tour by heading up the north fork of the River. Here, we paddle leisurely through one of Kauai’s most beautiful jungle rivers until you come to the trailhead for the hike to enchanting Secret Falls, an 80-foot fall that descends into a refreshing swimming hole. Once at the waterfall we enjoy a fresh picnic lunch and beverages. Then it is time for a cool dip before heading back down river. Enjoy the Wailua River kayak paddle with the safety and expertise of Kauai Guides.
The hike is approximately 1 mile each way; the paddle approximately 1.5 miles each way.
440 Aleka Loop Kapaʻa, HI 96746
24-hour notice is required for cancellation; 72 hours notice is required for groups of 6 or more passengers. 100% penalty charge strictly enforced.


Y-Films is Aditya Chopra’s new banner for medium-budget Youth films. Their first film was Luv Ka The End, that released earlier this year. Their next, is titled Mujhse Fraaandship Karoge (wonder if the ‘aaa’ is for numerological reasons?).
Much like Luv Ka The End which was a huge success with the youth, Mujhse Frandship Karoge marks the debut of four new actors – Saqib Saleem, Tara D’Souza, Saba Azad and Nishant Dahiya.
Based on social networking sites like Facebook and Twitter, Mujshe Fraaandship Karoge is a story about two losers, Vishal and Preity who fake their identity on Facebook. The film is directed by Nupur Asthana who has worked in TV shows like Hip Hip Hurray and Mahi Way. The music has been composed by Raghu Dixit.
Have a look at the first look, unveiled by Y-Films.
Mujhse Fraaandship Karoge Poster
Movie: Mujhse Fraaandship Karoge (2011)
Director: Nupur Ashtana
Producer: Ashish Patil
Cast: Saqib Saleem, Saba Azad, Nishant Dahiya, Tara D’Souza
Release October 14th 2011


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I’m so pleased to introduce y’all to fellow Tule author, C.R. Grissom. C.R. lives in San Jose, California—smack dab in the middle of Silicon Valley. She works for a high-tech company by day, and at night writes contemporary sports romance featuring young adults as they transition to college. Very glad you could sit down for a chat, C.R.
N: Have you always wanted to be a writer?
C: It wasn’t until my late teens I began fantasizing about writing a novel. I’d write a bit here and there and then give up. Initially, I wanted to write a Historical Romance. Later, I wrote a novel that fits with the Romantic Suspense genre, but it was terrible and I buried it under my bed. It wasn’t until one of the teachers at my husband’s high school needed a critique partner that I connected with my writer’s brain again. I wrote Mouthful, the first in the Gladiators of the Gridiron series. I revised it again and again. Once polished, I found a home for Mouthful at Tule Publishing.
N: The premise for Eyeful is fascinating. How emotional was it to write a homeless heroine?
C: Initially, this story was about Title Fraud. When Phoebe moved in with Grams, I had a what-if, moment. What if she suddenly has to deal with housing insecurity? What if she can no longer stay with her grandmother? The waiting list for the dorms wasn’t going to help her. How would she be able to sleep, shower, and study without a permanent roof over her head? The idea for a gym membership solved the showering issue, but what if the hero worked there and caught on that she was trying to crash? What if he became the obstacle? Grams finds other residents at her retirement village to let Phoebe crash with them ten days at a time, but housing insecurity is something a lot of people deal with, especially now.
N: When writing a series how do you keep things fresh, for both your readers and also yourself?
A: As a reader, I’ve always loved three-book series. I didn’t set out to write a series when I first penned Mouthful. I fell in love with the characters and thought, I have an entire football team to choose from, so why not?
N: Are you a football fan? What was the inspiration for your Gladiators of the Gridiron series?
C: Unless our two dogs count, I’m the only female in our house. Surrounded by men, there’s always some kind of sporting match on TV. My husband coached high school football, and both my boys played the game. As a parent, you’re afforded a sideline view into the culture of a football team, and the brotherhood. Kenny Chesney wrote a song called “The Boys of Fall.” The lyrics showcase the bond football players share with their teammates. Friendships are important in my life, and I love writing about loyalty.
N: What do you hope your readers will take away from Eyeful?
C: A peek into my culture since Tiago shares my Portuguese ethnicity. I hope they can relate to Tiago and Phoebe and enjoy watching them trip as they both fall in love.
N: What drew you to writing New Adult novels?
A: I wanted to write a novel featuring a character with body dysmorphia. It’s something that affects many women, including myself. Faith’s particular issues wouldn’t have worked for someone in their late twenties or thirties. In book one, I created this fictional university filled with interesting characters. I knew there was more to the story and the series was born. With Tiago and Phoebe, they each face potential homelessness. Their story centers around families and the struggles you face trying to protect them.
N: When I write, my characters often seem to go off on their own path now and again. Tell me something about Phoebe and Tiago that surprised you.
C: Tiago has trouble articulating his emotions. As a result, he often gets himself into hot water because he doesn’t explain himself well. He showed up in my head as smooth, someone who has answers. Maybe not all of them, but clued in. When he makes epic mistakes with Phoebe, I liked him better for his flaws. I’m what you call a “seat of her pants writer.” Meaning, I have an idea of where I want the story to go, but allow room for spontaneity with my characters. I didn’t set out to write a hero who often has to remove his foot from his mouth. Phoebe surprised me because I expected her to be shy and withdrawn, but she wasn’t. Her resiliency and ability to laugh at herself surprised me.
N: What was the hardest scene to write?
C: Tiago’s grandmother has Alzheimer’s. My mom suffered from the same disease before she passed. There’s a scene where his gran wakes up believing it’s her birthday and her family forgot. This scene becomes a turning point from friendship to more between Phoebe and Tiago. I could barely get through writing that scene because I wrote it while I “ugly cried.” We went through the same kind of thing with my mom. In a way, this book is also an ode to my mother.
N: What are you reading now?
C: Take a Chance on Me by Jane Porter. I love the idea of a pink house! A story about a grandson protecting his grandmother is an obvious and favorite theme of mine as well.
N: What do you like to do when you are not writing?
C: I work full-time, it takes up much of my non-writing time. I’m a devout reader. If I need a visual escape, I love movies with great dialogue. If it has action and romance, it going to entertain me.
N: If you had to describe yourself using just three words, what three words would you use?
C: Loyal. Independent. Snarky. Or if you mean a three-word sentence: cranky when hungry.
N: If you could tell your younger writing self anything, what would it be?
C: You only fail when you stop trying.
You can find C.R. here:
College life should come with a content warning.
All Phoebe Sharpe wanted was to start over at a new college to escape the drama and humiliation of her mom’s sordid past. But her present is hardly less complicated. To avoid sleeping on the streets, Phoebe seeks sanctuary at a 24-hour gym. When she meets the smoking hot Tiago, her desire to remain anonymous disappears.
Fortis University kicker Tiago Trindade has more on his plate than the average college sophomore. He’s trying to keep his GPA high enough to maintain his football scholarship while balancing practice and a job at the local gym to help support his family. When he learns his grandmother’s been swindled out of the title on her house—which would leave them homeless—he’s determined to save them. And then he meets the girl of his dreams…who just might be involved in her mom’s con.
When Phoebe learns the truth about her mother’s role in scamming Tiago’s family, she’s torn. Should she protect her own family or save Tiago’s?


The winter solstice takes place today at 12:47 p.m. In other words, winter arrives just after lunch.
People living to the north who are blanketed in snow might believe winter already had started, but the solstice is the determinant. Though the snowstorm that saddled much of the East Coast missed the Augusta area, it did bring frosted windshields and frozen plants.
Today is the shortest day of the year, which might make the day even less welcome for those who haven't completed their Christmas shopping.
At 12:47 this afternoon, the Northern Hemisphere will be tilted away from the sun at its greatest angle. Though Earth actually is closer to the heat-giving sun in winter than in summer, the tilt away from direct sunlight chills our continent.
The good news? Days will begin to grow longer and nights shorter until summer.