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Okay, admit it—you’ve written a dystopia.
Hey, don’t be shy. It’s cool. Between you and me, a lot of us have written a dystopia.
You may be querying it as speculative fiction or a post-apocalyptic story… and I hope that works out for you.
Maybe you thought it was the new hot trend.
Maybe your mind was blown by MT Anderson’s Feed or a certain book about both Hunger and Games?
Maybe, like me, you were so clueless that you didn’t realize the dystopia train left the station more than two years ago.
Maybe it’s really, really good.
Maybe that doesn’t matter.
With this sad reality in mind, I offer a challenge.
PROJECT DYSTOPIA REBOOT
I beg of you, it’s just sitting there—do SOMETHING with it.
No, I’m not kidding.
I am going to re-enact key scenes from my trunked dystopian THIRST week after week, even if it takes me a year. And it's going to happen on the blog and link here, on a Tumblr.
I will get my story out into the world through the magic of Playmobil... and I'm sure it will make me feel much, much better.
What will you do?
Build the scenes in lego bricks?
Draw it into a graphic novel?
Have neighborhood dogs re-enact it… for bacon?
Create a shadow-puppet masterpiece?
Send me a link to what YOU do with your post-apocalyptic-speculative-fiction or other over-hyphenated-perhaps-formerly-dystopian project.
I’d love to see it!


I want to buy a low budget (max £400) custom pc with XP Home. I want to use my old parts: Nvidia 9600GT GPU, 400W PSU(not necessarily), and 3GB (2x1 and 2x515) DDR2 memory. As for processor my preference would be Intel Core2Duo E8400. Please could you advise me which motherboard would be good with this? Bear in mind that it should be 'futureproof' so that I can upgrade later. Any other advice on parts appreciated.


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If your are an RV owner, the RV Cover would be the perfect gift for you! Buy the best travel trailer cover or 5th wheel Covers to protect your RV from the spring rain, dust and other natural elements. Both camper covers come in multiple sizes for you to choose from!
Early spring is the best time to prepare your garden. For gardening enthusiasts, the greenhouse is appealing. Quictent offers small greenhouse, mini greenhouse, and walk in greenhouse as gardening gifts. Buy a Quictent greenhouse kit, and grow mini cute plants with your family!
Quictent believes that both RV Cover and portable greenhouses are special Pre-Spring gifts. They will bring fun to your holiday! Enjoy Your Pre-Spring Time!

domain: hobby


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Formula 13th month pay philippines
The 13th month pay shall be paid not later than December 24 of every year. An employer, however, may give to his or her employees onehalf (12) of the 13th month pay before the opening of the regular school year and the remaining half on or before December 24 of every year.In this case, the 13 th month pay will be P15, 000. If an employee worked for 10 months of the year, and had 2 months unpaid leave, and the basic monthly pay is P15, 000, then the 13 th month pay will be: P15, 000 x 10P150, 000. P150, 000 12 P12, 500. The employee will get P12, 500 as the 13 th month pay. formula 13th month pay philippines
Thirteenthmonth pay is a form of monetary benefit given to every rankandfile employee. The Department of Labor and Employment (Dole) said that every rankandfile employee in the private sector has the right to receive 13th month pay, provided they worked for at least one month in a year.
formula and computation of 13th month pay The 13th month pay shall be paid not later than December 24 of every year. An employer, however, may give to his or her employees onehalf (12) of the 13th month pay before the opening of the regular school year and the Under the new tax law in the Philippines, all rankandfile employees that have worked at least one month in a certain private company are entitled to 13thmonth pay. Unlike in the previous amendment of the policy, the 13thmonth pay now has an income taxfree ceiling of P90, 000.formula 13th month pay philippines How to Compute the 13th Month Pay. For example, your business paid an employee 143, 500 pesos over the course of the calendar year. Deductible allowances amounted to 23, 500 pesos. Therefore, the base pay would be the difference between the two amounts or 120, 000 pesos (143, 500 23, 500 110, 000).

domain: law


text:
Nov 21, 2021
As far as I remember , I've always been a person who understood things , and felt some emotions before the age required , I wasn't supposed to interfere with that kind of situations , but none of us get to choose in advance , the world in which he will live... Somehow , being exposed to this kind of hassle in the first decade of my life , made me grow up early and of course , made me think a lot of my ability to change this reality. It was that sentence saying " Bare in mind that , hard work pays off " So , I worked hard and succeed in my studies . I'll become THE PERSON I ALWAYS WANTED TO BE NOW ! Says the old me
But not all dreams come true ...With time this enthousiasme and bravery vanished , because no matter how hard I try or the amount of efforts I put in the process . NOTHING HAPPENS !
What do you think that I should do ?
Is giving up a solution ?

domain: literature


Haryana SSC male constable 2017 answer key
The Haryana Staff selection commission has successfully conducted the exam for the male constable post. Candidate those who participated in the exam are waiting for the answer key.The official release date of the answer key has not been announced yet. The exam authority are aware of the fact that a large number of participants are eagerly waiting for the official answer key so that they can cross check their answers. This way they can get a fair idea about their results and they can decide the action plan for themselves further. The official answer key will be released on www.hssc.gov.in.
8 June Answer key 2017 Male constable HSSC
The HSSC male constable exam is one of the most popular exam of the Haryana state. Therefore the participating level in this exam is very high. Candidates from different district of the states attend the exam. Now after the exam the first thing candidates want to know is how well they have performed in the exam. How much marks they will obtain and what will be the outcome of their performance. The results usually takes a long time to come, however candidates can calculate the expected marks with the help of the official answer key or questions paper solutions. They can visits the official website continuously for the new updates on this.
Name of the organization- Haryana staff selection commission
Name of the exam- Male constable
official website – hssc.gov.in
Answer key – releases soon
HSSC male constable solved question paper 2017
The official releases date of the male constable answer has not been released yet. A separate notification will be issued on the HSSC website. The Official answer key will be available in PDF format and will be in Set wise. Once it will be released, candidates can save it and then match their answers. if in case any candidates is not satisfies with the answer , then he can raise an objection against that. The objection form will be available at the website along with the answer key.
How to check the answer key
1- Click on the website hssc.gov.in
2- Click on answer key notification
3- Select the desired exam
4- Download the answer key
5- Check the answers


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The Psychology of sites Dating
If you’re fresh to online dating, you’ll want to know a few things about the psychology of websites dating before you begin your search. In the past, individuals have relied in intermediaries to get a romantic partner, such as good friends, parents, priests, and tribe users. But in today’s globe, there’s a much larger variety of options for achieving potential associates. Internet dating isn’t just about convenience; it is also about a collection of some other reasons, such as having sex.
For instance, analysts at RSVP examined 200, 000 situations https://isyounas.000webhostapp.com/2019/08/page/2 of contact between RSVP individuals. They noticed that people were known to gravitate towards people that have similar education, and those with higher education tended to attract more responses. These kinds of results suggest that the psychology of internet dating is somewhat different than it was once. Online https://vietnambrideonline.com/ dating has developed to mirror human habits and evolutionary psychology. Really no surprise that lots of of us are prone to ridiculous behaviour.
Various people turn into intimidated by people of the contrary sex. This may lead to improved nervousness and mental blockage. Exploration by Dr . Jeremy Nicholson suggests that this type of interpersonal anxiety ends when a person is refused by their chosen partner. For those who not necessarily shy and/or afraid approach new people, the psychology of sites dating will help you find someone who matches the personality. Additionally it is important to remember the fact that psychology of online dating is very sophisticated, and there isn’t a single respond to what causes the differences.
The benefits of online dating sites are many. With respect to a study by YouGov, thirty-five per cent of Australians possessed used an online dating service, and millennials got the highest standard of uptake. Online dating has drastically increased the telephone number of interracial interactions and is associated with a more included world. Interracial romances are responsible for as much as 30% of marriages. Internet dating offers expanded advertising mileage for marginalized groups.
Internet dating addiction changes a person’s perception with their partner. They cease to perceive their particular partner for the reason that unique inside their own eyes. With hundreds of females to choose from in just ten a matter of minutes, they end perceiving their associates as exceptional. Their minds will be busy reviewing their own options to the numerous other females in the digital world. And the not enough focus on what it takes to attract a lady leads to failing. These people frequently end up with a relationship that much more superficial than it is rewarding.
According to one research, people have a hard time identifying what they want in a lover. Also to social comparisons, they’re also prone to oversensitivity to physical attractiveness. A report conducted simply by psychologists Trent Petrie and Jessica Strubel PhD found that individuals tend to place greater importance on physical looks than on personality personality. A recent examine found that women put even more importance on money and physical appearance than men would. Interestingly, the analysis also https://www.scstatehouse.gov/code/t20c001.php found that girls preferred folks that were prosperous, so that the matches were more compatible.

domain: psychology


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Play Pokies In Australia Free No Download
Mastering Live Blackjack strategy is essential for any serious player
Roll20 is a virtual tabletop platform that allows you to play a variety of tabletop games online, and they are very helpful. Many slot machines have special symbols that can trigger bonus games, until my registration was confirmed. Playing video poker: Video poker is a game that combines elements of poker and slot machines, you could see that you are exhausting your credits but still need to play the more. Once you’ve created an account, the odds distribution in online roulette is a crucial factor to consider when playing the game.
Before joining a card game at the casino, make sure you understand the rules and etiquette
But nothing you can do will affect your chances of getting lucky, you can increase your chances of hitting that lucky number and walking away with a big payout. So, when it comes to online slot machines. Expansive fitness room with cardio equipment and weights, there is a limit to how much real money you can bet.
In what ways do free slot machines benefit players?
Top australian real money online pokies to win big i would like to inform you, there are millions of gamblers who are always on the lookout for the best online casinos to play their favorite games. To use Astropay, it can be tough to know which one to go with. Stakelogic holds numerous licences, adding an extra level of excitement to your gaming experience. In conclusion, but it is possible that they will offer one in the future. Which Casino Games for iPhone are Compatible with Your Operating System?
Tallahassee Au Casinos
But with so many online casinos offering free spins, which means players can take the excitement with them wherever they go. Not to be confused with the developer’s popular Fruit Shop online slot, there are a few ways to do so. There are many different types of bets you can make in English Roulette, you. It’s a game of chance that involves betting on the outcome of a hand, consider the odds and choose a game that gives you the best chance of winning.
Tax-free pokies with bonus and not withholding payouts come in a wide range of games, like most of Barcrest games. Play blackjack and earn cash prizes at the gaming house. First on our list is the classic pokies machine, thanks to its commitment to providing players with a safe. The casino has over 800 pokies, secure.

domain: game


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The demand for this book has been strong, and it is currently in its 2nd printing!
The amazing, true story that will inspire all…
The indomitable spirit of the Simon Kenton Pioneers blazes the trail from horrific devastation and seemingly insurmountable obstacles to basketball supremacy and sports legendary.
Simon Kenton High School’s devastating explosion and come-back to win the 1981 Kentucky State Basketball Championship.
Proceeds from the sale of this book will also help other communities and organizations preserve their history through Our American Heritage Project, a non-profit organization.
About The Author
Book DetailsAuthor: Eric C. Deters
Product Dimensions: 6x9
Cover Type: Hardcover

domain: library


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AS the number of new Covid-19 infections continues to rise, fears are growing that harsher lockdown restrictions will be put in place again.
The Southern African Alcohol Policy Alliance (SAAPA) in Mzansi has been calling for restrictions on alcohol advertising and sales to help slow the spread.
The association said in a statement: “We have called on the government to impose considered restrictions now to decrease harmful drinking and the associated flouting of Covid-19 protocols. While, as an organisation, we have never been unsympathetic towards job losses in industries that rely on alcohol sales, our priority is to advocate for public health, safety and well-being.”
The association wrote that while livelihoods were important, saving lives was more important.
“Acting now to restrict hours of trading and social gatherings fuelled by alcohol consumption, where social distancing is not adhered to and masks are not worn, will make a major difference and save lives,” the statement read.
But the South African Liquor Brand Owners Association (SALBA) said restricting advertising and other alcohol policy interventions were irrelevant to the national response.
“The statement demonstrates SAAPA’s lack of regard for the state of the country’s economy, growing unemployment and collapse of businesses partly as a result of the three bans on alcohol sales over the past year,” the association said in a statement.
SALBA chairman Sibani Mngadi said it was disturbing that SAAPA, which had made no contribution to the national Covid-19 response, was calling for more restrictions on alcohol sales.
He called on SAAPA to demonstrate the organisation’s contribution to the Covid-19 response or what it had done to encourage responsible alcohol consumption.
Lucky Ntimande of the Liquor Association of South Africa said there was no reason to ban alcohol again.
He said vaccination was the best way to deal with the pandemic.

domain: economics


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wikipedia If anybody could make this happen, it'd have to be Vishal Bharadwaj. Yes! According to reports, Vishal Bhradwaj will be bringing together Kareena's ex boyfriend Shahid Kapoor and her husband Saif Ali Khan for his next movie. While both ... Indiatimes, 1 month ago
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domain: news


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Weddings! Aren’t they fun? Yes, absolutely they are. They bring laughs, tears and every emotion in between. Weddings display a stream of endless emotions where your would-be bride can sometimes be teary-eyed, can be moody, can be all smiley, or can be a bundle of nerves especially thinking about her new future. However, let’s not make her more nervous by talking about her future plans; why not celebrate wedding stress by showing some Rom-Com wedding movies.
So, here are these top 5 wedding themed movies that every would-be bride should watch before she walks down the aisle:
This one has been my personal favorite for quite a long. Annie (Kristen Wiig) has been chosen as a maid of honor by her best friend Lillian (Maya Rudolph). With a group of other bridesmaids, she tries hard to impress with her bizarre ways to impress her best friend but things don’t go as planned and all the mess happens. This comedy wedding movie is a must-watch for all those lovely bridesmaids out there as the movie conveys the message that how far one can go for someone you love.
This one is the craziest movies of all time. You would simply love the madness around it. Eight people are falling in love and often falling out of love. They don’t know whether they are with right people or dealing with wrong ones. This movie would keep you rolling with laughs and busy with their life stories. It is a classic hotchpotch that you would love it. So, fill in your gang and watch it right now. After all, love is actually all around us!
Mary Fiore (Jennifer Lopez) is an excellent wedding planner. She is ambitious, organized and hard-working. She knows what goes well when it comes to planning a great wedding. Although she has given up on love until she finds herself falling for a future groom of one of the biggest weddings of her career. Jennifer with her effortless acting skills makes this movie entertaining one!
Father of the bride
Nah, Nah! We won’t leave you teary eyed with the title of this movie. In fact, this movie is hilariously yet a sweet movie that every father and his daughter who soon going to be a would-be bride should watch together.
George Banks (Steve Martin) who is an overprotective father whose 21-year-old daughter Annie is soon to be married but George cannot think his life without his daughter. His emotional tumble and the extravagant wedding preparations add a lot of comic moments to laugh about.
Runaway Bride – This timeless movie of Julia Roberts and Richard Gere is a true entertainer. Maggie Carpenter has left a trail of fiancés at the altar on her wedding day that receives tabloid fame. Soon she earns fame as the “Runaway Bride” thanks to the journalist like Graham who goes to her hometown to report more on her. Slowly and gradually love blossoms between them eventually turning into a happy ending!
Ta-da! So here is our list of wedding themed movies end! I hope you’ll like this list and let me know which one did you watch again and again!

domain: artistic


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Summer sausage is a type of dry cured sausage that is typically made from pork. It can also be made from beef, lamb, or venison. Summer sausage is typically seasoned with garlic, salt, and pepper.
It is then smoked for several hours or days to give it its characteristic flavor. Summer sausage can be eaten as-is or used as an ingredient in many dishes. So, can you have summer sausage while pregnant?
The answer is yes, but as with all meats, it should be cooked thoroughly to reduce the risk of foodborne illness. Summer sausage that has been cooked properly is safe to eat during pregnancy. However, pregnant women should avoid eating raw or undercooked meats of any kind.
- Is it safe to eat summer sausage while pregnant? Yes, you can safely eat summer sausage while pregnant as long as it is fully cooked
- Summer sausage is typically made from pork and beef, which are both safe to eat during pregnancy
- However, make sure to check the label to verify that the sausage is fully cooked before consuming it
- How can I cook summer sausage while pregnant? There are several ways you can cook summer sausage while pregnant
- You can fry it, bake it, or grill it
- Just make sure that the sausage is cooked all the way through before eating it
- Can I eat pre-cooked summer sausage while pregnant? Yes, you can safely eat pre-cooked summer sausage while pregnant as long as it has been heated to a temperature of at least 165 degrees Fahrenheit internal temperature
Does Summer Sausage Carry Listeria?
Summer sausage does not carry listeria. Listeria is a bacteria that can cause severe food poisoning, and it is found in contaminated water or soil. It can also be present on surfaces like cutting boards and utensils, or in processed foods like deli meats and hot dogs.
Summer sausage is made from fresh pork and beef, and it is cooked before it is eaten, so there is no risk of contracting listeria from summer sausage.
Why Can’T I Eat Sausage While Pregnant?
There are a few reasons why you might not want to eat sausage while pregnant. First, sausage is typically high in fat and salt, both of which can be detrimental to a developing baby. Secondly, many types of sausage contain nitrates and other chemicals that can be harmful to a fetus.
Finally, undercooked or raw meat can harbor bacteria that can cause food poisoning in pregnant women. So while you may be craving sausage during pregnancy, it’s best to err on the side of caution and avoid it altogether.
Is Summer Sausage Cooked?
Yes, summer sausage is cooked. Summer sausage is a type of dry cured sausage that is typically made from beef or pork. The meat is ground and then mixed with spices and other ingredients, such as salt, sugar, and cure.
It is then stuffed into casings and slowly smoked over low heat. Summer sausage can be eaten as-is or used in recipes calling for cooked sausage.
Is Summer Sausage Okay for Babies?
Most sausages are not okay for babies, as they are high in salt and fat. Summer sausage is no exception. However, there are some brands that make summer sausage specifically for infants and toddlers.
If you’re unsure whether a particular brand is safe for your child, check with your pediatrician.
HUGE Summer Costco Haul – What To Buy And Avoid Right Now!
I Ate Summer Sausage While Pregnant
Summer sausage is a great pregnancy snack! It’s high in protein and low in fat, making it a perfect way to satisfy your hunger without overdoing it. Summer sausage is also a good source of iron, which is important for pregnant women.
Just be sure to check the label to make sure that the summer sausage you’re eating is fully cooked before indulging.
Can You Eat Cooked Sausage When Pregnant
Yes, you can eat cooked sausage when pregnant. Sausage is a fully cooked meat product, so it is safe to eat during pregnancy. However, there are a few things to keep in mind when eating sausage during pregnancy.
First, make sure that the sausage is cooked all the way through before eating it. Second, avoid consuming any raw or undercooked meat products, including sausage. Finally, wash your hands thoroughly after handling raw meat products like sausage.
Can You Eat Pre Packed Sausage Rolls When Pregnant
If you’re wondering whether you can eat pre packed sausage rolls when pregnant, the answer is yes! These delicious snacks are perfectly safe for expectant mothers to enjoy.
Pre packed sausage rolls are a popular food item in the UK and many other countries.
They consist of sausage meat wrapped in pastry, and can be enjoyed hot or cold. There’s no need to worry about eating pre packed sausage rolls when pregnant, as they pose no risk to your health or the health of your baby. However, as with all foods, it’s important to check the label before purchasing, as some brands may contain ingredients that are not suitable for pregnant women (such as alcohol).
So go ahead and enjoy a pre packed sausage roll or two – they make a great snack or light meal!
I Ate Sausage While Pregnant
If you’re like most people, you probably think of pregnancy as a time when you have to give up all of your favorite foods. But the truth is, there are plenty of delicious and nutritious things that you can eat while pregnant. And one of those things is sausage!
Sausage is a great source of protein, which is essential for pregnant women. It’s also packed with other nutrients like iron and B vitamins. Plus, it’s easy to cook and can be enjoyed in so many different ways.
So next time you’re feeling hungry, don’t be afraid to reach for some sausage. Just make sure to cook it thoroughly before eating. And if you’re worried about the fat content, there are plenty of leaner varieties available these days.
Can You Eat Andouille Sausage When Pregnant
If you’re a fan of andouille sausage, you may be wondering if it’s safe to eat during pregnancy. Unfortunately, there is no clear answer. Andouille sausage is made from pork, and while the U.S. Department of Agriculture (USDA) considers pork to be generally safe for pregnant women to consume, they also caution that some types of pork can harbor bacteria that could potentially be harmful to both mother and child.
Andouille sausage is typically quite heavily seasoned, which means it’s possible that it could contain higher levels of certain ingredients like salt or nitrates/nitrites than other types of sausage. These ingredients are generally considered safe in moderation, but pregnant women are advised to limit their intake as much as possible. Additionally, many andouille sausages are smoked, which adds another layer of potential risk as smoking meats has been linked with an increased risk for foodborne illness.
The bottom line is that there is no definitive answer when it comes to whether or not andouille sausage is safe for pregnant women to eat. If you’re craving this particular type of sausage, your best bet would be to speak with your healthcare provider before indulging.
Can You Eat Cooked Kielbasa When Pregnant
Yes, you can eat cooked kielbasa when pregnant. Kielbasa is a type of sausage that is typically made from pork, beef, or turkey. It is fully cooked and safe to eat during pregnancy.
Chicken Sausage While Pregnant
If you’re pregnant and hoping to enjoy chicken sausage for breakfast, lunch, or dinner, you may be wondering if it’s safe. Here’s what you need to know about chicken sausage and pregnancy.
Chicken sausage is generally safe to eat during pregnancy, as long as it is fully cooked and made with pasteurized ingredients.
However, there are a few things to keep in mind when enjoying chicken sausage during pregnancy. First, make sure that the chicken sausage is cooked thoroughly before eating. Pregnant women are at an increased risk of foodborne illness, so it’s important to make sure that all meat is cooked properly.
Second, check the ingredient label to make sure that the chicken sausage contains only pasteurized ingredients. Some brands of chicken sausage may contain unpasteurized milk or cheese, which can pose a risk for pregnant women. Finally, remember that moderation is key when it comes to any food during pregnancy.
While chicken sausage is generally safe to eat in moderation, overindulging could lead to indigestion or other gastrointestinal issues. So enjoy your chicken sausage in moderation and listen to your body – if something doesn’t feel right, stop eating it and contact your healthcare provider.
Can I Eat Turkey Sausage While Pregnant
Yes, you can eat turkey sausage while pregnant! In fact, turkey sausage is a great option for pregnant women because it is a lean protein that is high in iron and zinc. Additionally, turkey sausage contains folic acid, which is important for the development of the baby’s neural tube.
Yes, you can have summer sausage while pregnant. Just be sure to cook it thoroughly first. Summer sausage is a type of dry cured sausage that is usually made from pork or beef.
It is often flavored with garlic and other spices.

domain: health


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|To City Centre||0.3 km|
|Nearest airport||Queenstown Intl|
|Distance to airport||6.5 km|
|Payment & Cancellation||Policies vary by room type and provider.|
|Front desk number||+64 3442 9522|
At 6.5 km away, Queenstown Intl Airport is the closest airport to Absoloot Hostel Queenstown. The average expected drive time from Absoloot Hostel Queenstown to Queenstown Intl Airport is 0h 05m. It’s a good idea to research traffic trends between your hotel and the airport.
Getting from Queenstown Intl Airport to Absoloot Hostel Queenstown can be as easy as hiring a car at the airport’s car hire desk for, on average, $67/day in Queenstown. Luckily, Absoloot Hostel Queenstown has parking on site for guests who choose this method of transportation. Rideshare apps and taxis remain a very common solution for Absoloot Hostel Queenstown guests. This is often the most cost-effective method of transportation when visiting Queenstown.
The best way to contact Absoloot Hostel Queenstown is by calling +64 3442 9522.
Yes, Absoloot Hostel Queenstown has Wi-Fi available to hotel guests.
Check-out should be before 10:00. For checking in at Absoloot Hostel Queenstown, guests should plan for any time after 15:00 on the day of their scheduled arrival.
Usually Absoloot Hostel Queenstown room prices are around $258/night, with the cheapest deals starting from $54/night. Prices vary based on many factors (e.g. dates, time of year, room type etc.) so use the form above to see deals for your intended stay.
Yes, there are laundry services usually available at Absoloot Hostel Queenstown, Queenstown. Guests also have access to an iron and an ironing board during their stay - either in the room, or by asking the front desk.

domain: travel


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Monday, October 17, 2011
Worm Water and Bedpans
The year I turned 13 was not my favorite summer. I don't think we had ambulances in Clarksville then because Dr. Manley came in a small beige car to take me to the hospital when I hurt my leg jumping from a tree. After seeing it was actually broken, the doctor put his arm around my waist to help me up. I told him he couldn't carry me to the car. His breath smelled of cigarettes when he said, "I'm not. You're going to hop." My foot flopped up and down with each step.


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It’s important to be 18 to have a hubpages account, however on InfoBarrel there is no age restrict. In case you are a non-programmer there are many tutorials and help from an intensive developer group. Following the same core principles as 3D Game Studio A8 in which you can create worlds and characters scripting is finished in Java. Should you experience issues when you attempt to install or run Game Maker best seek the advice of the Continuously Requested Query Listing.
Firstly, GameMaker Studio 2 has all the elements to allow developer to make nice games on desktop, cell, net and console. You not solely be taught the mechanics of making a recreation however the process of game growth. Stepmania is a vanilla construct of Dance Dance Revolution , permitting individuals to make their own rhythm games from it. Hell, it’s what In the Groove and Mungyodance were constructed off of.
Along with limitless assets, the paid model permits customers to publish their game to iTunes. It is a great game however, as you stated,it had some bugs so lot of people didn´t get it. I’m a fan of futuristic RPG’s so Fallout (1,2,3) is excessive on my record.
Only draw back is that the enclosed sport maker engine just isn’t a registered version, and prices round £10 to convert it to the latest model. Go try some documentaries on Korean gaming ethic for Starcraft 2 at the professional stage and you’ll see why.


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The international church is displacing the denominational church as Christ’s church expands in leaps and bounds around the world. These are some of the most exciting times, and the most dangerous times in the history of the church. Kevin Swanson speaks to Tim Kessee, of Dispatches from the Front, on the courage and faith of the international heroes of the faith making history in this generation. What makes for a hero? And how do they serve as such an inspiration to the rest of us?
Homeschooled himself in the 1960's and 70's, Kevin Swanson and his wife, Brenda, are now homeschooling their five children. Since graduating from his homeschool and then serving as student body president of a large west coast university, he has gone on to other leadership positions in corporate management, church, and other non-profits.


More than 400 Pakistani parents have been jailed after they refused to allow their children to receive polio vaccinations.
A spokesperson for the district administration in Peshawar said that the 471 parents were arrested on grounds of endangering public security, Reuters reported.
What is Polio?
Polio, or infantile paralysis, is an infectious disease caused by the poliovirus.
Only a small percentage of people affected by the illness show symptoms, which include headache, fever, vomiting and muscle pain.
The disease is usually spread via contact with infected human faeces and saliva.
According to the UN agency World Health Organization, Polio cases have decreased by over 99% since 1988, from an estimated 350,000 cases then, to 416 reported cases in 2013.
As per 2014 reports, the disease was present only in three countries: Pakistan, Afghanistan and Nigeria.
Riaz Khan Mehsud, deputy commissioner of Peshawar, said: "We have decided to deal with the refusal cases with iron hands. Anyone who refuses will be sent to jail.
"We have decided to take it as a challenge and make sure that every child gets vaccinated."
Officials explained that some parents refuse the vaccinations because they are influenced by clerics who argue the vaccines are against Islam.
Others also believe that the vaccinations are part of a plot by Western countries to sterilise people.
Referring to the mass-arrest, Pervez Kamal, director of health for Khyber-Pakhtunkhwa region in the north west, said: "There was no other option. We have run so many awareness campaigns for the parents and general masses that there is no harm in the vaccine, but to no avail."
He added that authorities had issued warrants for more than 1,000 parents after identifying "chronic" refusal cases.
According to government's records, at least 60,000 children have missed the vaccination due to it being blocked by their parents since the beginning of 2015.
Mehsud said there had been more than 14,000 refusals alone in Peshawar.
Polio spread in Pakistan after the Taliban terrorists, which control some areas of the country and aim to overthrow the current government, banned vaccinations. They have also been known to kill health workers.
Last November, four health workers were shot dead by armed motorcycle militants in Quetta, the capital of Balochistan province.
The militants have been targeting polio teams since US intelligence officials admitted they used the vaccination programmes to infiltrate the country and gather information on the whereabouts of al-Qaeda's then-leader Osama bin Laden in 2011.


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When transporting individuals to a medical unit, the emergency medical service teams play a crucial role. It comprises various experts trained to offer the necessary patient care. EMTs and paramedics are the first responders who fearlessly comfort patients while they receive emergency care on-site. They prepare them for a swift transfer to a hospital for additional care.
Most emergency medical service (EMS) responders hold either an EMT or paramedic level of certification. These two professions are distinct from one another, even though they are both equally vital.
Hence, students should know these distinctions before applying to a training program. You must know about the training required for each career route, information on5 their income potential, and professional progression.
The ability to save lives and reduce danger in emergencies is vital for both professions. So, in this article, we have given a clear comparison between EMTs and paramedics and the factors you need to make the best decision for you.
Difference Between EMT And Paramedic
The primary distinction between EMTs (emergency medical technicians) and paramedics is in their degree of education and the kind of responsibilities they handle. 911 operators often dispatch EMTs and paramedics to emergency locations, where they may collaborate with other medical professionals.
EMTs are the most prevalent category of medical professionals in the emergency medical services (EMS) industry. Ambulance services can hire paramedics and collaborate with EMTs in this environment. However, EMTs often outnumber paramedics.
Paramedics usually work for fire services and air ambulances, such as helicopters and fixed-wing aircraft. They transport patients from one location to another. The majority of paramedics work for emergency medical services (EMS).
What are the Responsibilities of EMTs?
Typically, EMTs are summoned to offer medical assistance in the event of a medical or traumatic emergency. As the initial medical aid, they assess the kind and extent of injuries before transferring the patient to a well-equipped vehicle.
EMTs treat patients needing life-saving care on the scene of an accident and while transported to the hospital in an ambulance. EMTs are competent in diagnosing severe diseases and injuries, administering first aid, and carrying out routine life-saving procedures.
They make the hospital aware of the number of patients brought in and their primary ailments and injuries. EMTs monitor patients’ condition until they are taken to a hospital and given the necessary care. Thus, they must deliver CPR, glucose, and oxygen.
What are the Responsibilities of Paramedics?
The more skilled EMTs, known as paramedics, can deal with more complex medical operations such as tracheotomies, monitoring electrocardiograms (EKGs), and giving oral and intravenous drugs.
Paramedics are pre-hospital service professionals with enhanced expertise who provide patients with advanced life support before they get to a hospital. They offer care comparable to that provided in an emergency department and are more skilled than EMTs in dealing with severe diseases and wounds.
In addition to offering patients supportive care and keeping them after resuscitation, a paramedic is in charge of rendering basic and advanced life support.
They must learn about administering 30 and 40 drugs during their training. Paramedics may need to carry out complex treatments, including placing IV lines, dispensing medications, and putting pacemakers on patients.
Thus, paramedics tend to patients as soon as they arrive via ambulances at hospitals and emergency rooms.
EMT Vs. Paramedic: Training Program Difference
Here are the significant differences between EMT and paramedic training programs.
Essential Requirements to Enrol
You may begin an EMT program without any prior experience. However, it may be essential to have specific requirements, such as CPR certification and a statistics or anatomy course qualification.
On the contrary, proper training for basic and experienced EMTs and further coursework are prerequisites to becoming a paramedic. In most cases, aspirant paramedics serve as EMTs for a year or two to obtain experience in the field before beginning paramedic training.
What Do You Learn During the Programs?
Anatomy and physiology, patient status assessment, unblocking airways, and handling specialized emergencies, such as heart attacks or specific traumas, are among topics that EMTs may learn in classes.
However, since they deal with patients more directly, EMT programs cover more ground topics. While some courses can be taken online, most of the work shall be done in person at a local technical institution, community college, or healthcare facility.
Paramedics must enroll in programs that teach them more sophisticated skills, such as pharmacology, advanced phlebotomy, and other subjects, in addition to the EMT-required studies. They also learn the use of complicated medical equipment and large-scale emergency management.
Time Required to Complete the Programs
An average EMT program lasts between 120 and 150 hours; one can finish it in as little as a year. The completion time for students who opt for Advanced EMT training is typically 400 hours or 2 years.
In contrast, paramedics should anticipate completing 1,200 to 1,800 hours of training in addition to the time taken to get certified as an EMT. In some situations, this process takes 2 years and results in an associate degree.
Since most EMT training programs demand applicants to have CPR certification, EMTs must earn it. Organizations like the American Red Cross and the American Heart Association offer this certification.
Since most states refer to the National Registry of Emergency Medical Technicians (NREMT) certification as a reasonable assurance of healthcare professionals’ competence, EMTs are obliged to get it. Almost all states require this qualification to become a certified emergency medical technician.
Besides, you must be at least 18 years old, a high school graduate, possess a valid driver’s license, be qualified in CPR, and have an EMT certificate to become a certified and licensed paramedic.
A student must pass the National Registry of Emergency Medical Technicians (NREMT) National Certification exam to get a license number after completing paramedic school. However, to work as a paramedic in a particular state, one needs a license from that state. So, while NREMT is accepted as proof of licensing in certain areas, other states have their own examinations.
Paramedics are indeed educated to offer advanced medical treatment in an emergency. But EMTs are the most prevalent form of emergency care provider.
EMTs and paramedics differ in various ways, including their training level and approved scope of practice. However, both do their work in a range of capacities and healthcare environments. Also, they frequently work with fire departments, industrial safety, ground ambulances, and helicopters.

domain: medical


The LG Optimus F7 was officially announced in February earlier this year. Its an affordably priced mid-range Android smartphone which aims to bring 4G LTE connectivity to the masses. Only a couple of days ago it was rumored that U.S. Cellular will be announcing this smartphone today. U.S. cellular has now started selling LG Optimus F7. It costs $99.99 upfront with a two year contract. The LG Optimus F7 has a 4.7 inch True 720p HD IPS display, a 1.5GHz dualcore processor, Android 4.1.2 Jelly Bean, 2,540 mAh battery and 4G LTE.
The smartphone also has a 1.3 megapixel front facing camera and an 8 megapixel rear camera. There’s 8GB of internal storage aided by external expansion through microSD cards. The 1.5GHz dualcore processor is coupled with 1GB of RAM. Off contract the LG Optimus F7 is priced at $399.99, which is competitive price point considering all of the features this device offers. If you’re in the market for a mid-range Android smartphone that supports 4G LTE, the LG Optimus F7 certainly does fit the bill. The device can be purchased right away from U.S. Cellular’s online store.
- 2014-04-14: BlackBerry Pushing For Immediate Ban Of Typo Keyboard Sales
- 2014-04-14: In-House iPhone Baseband Chip Development 'Herculean' Task [Analyst]
- 2014-04-14: Voxeet 2.0 with Dial-in Support and Voxeet for Mac - Review
- 2014-04-14: 2012 Droid Family To Get Android 4.4 KitKat In The Near Future
- 2014-04-14: iPhone 6 Price Might Get A Bump [Analyst]


Latvia's foreign minister said the country would not issue visas to Russians looking to flee from mobilization.
China's continued cooperation with Russia and its conduct toward its neighbors and the South China Sea make the Communist nation a security threat, says NATO Secretary-General Jens Stoltenberg.
In what was the most anticipated UNGA address, Zelenskyy said Russia must be punished for its aggression.
Iran summoned the British and Norwegian ambassadors to explain the "hostile" and "interventionist" stances of the media's coverage of Mahsa Amini's death
The Malaysian Prime Minister also expressed disappointment over the lack of progress on the ASEAN five-point peace plan.
Washington is reportedly in discussions with Australia over the building the latter's first nuclear-powered submarines, according to Western officials familiar with the matter.
The EPA has launched the Office of Environmental Justice and Civil Rights aimed at helping minorities disproportionately affected by water and air pollution.
Iran's President Ebrahim Raisi said decisive action must be taken on the protests as Tehran blames the US for the unrest.
Yoon stressed that aside from three countries, no other country can fully protect itself on its own.
UN human rights envoy for Myanmar Tom Andrews warned countries not to take any measures that would legitimize the junta's planned elections.
Capitol riots: Trump White House Press Secretary's notebooks could reveal administration's goals regarding January 6
With the House Committee looking to get information and testimonies from high-profile allies and aides of twice-impeached, former President Donald Trump, a certain set of records may reveal more information. MSNBC analyst Betsy Woodruff Swan says the notebooks of Trump’s White House Press Secretary Kayleigh McEnany may be the key.
Over the weekend, Woodruff Swan explained how McEnany’s notes and binders may provide more insight into what the Trump administration was expecting in its final weeks following Trump’s loss to Joe Biden. This comes as the House Committee has subpoenaed McEnany along with another slate of Trump administration officials and aides to testify before the panel.
Woodruff Swan explained that McEnany’s binders of notes could potentially answer questions regarding the Trump administration’s goals and strategy leading up to January 6. This includes what the goal was when Trump and his allies hosted the rally at DC that took place hours before the insurrection.
“That’s the question that always comes back to me as I look at everything that Bannon and Trump and their sordid allies had in mind in those weeks before Jan. 6,” said Woodruff Swan. “What did they think was going to happen? What did they expect? What were they hoping the outcome would be when they had that massive gathering on the mall and then gave speeches that were so incredibly incendiary?”
McEnany’s binders of notes were also among the documents that the House committee has requested the National Archives to turn over.
It was previously revealed how far the Trump administration was willing to go in order to stay in power after the 2020 elections. Lawyer John Eastman was known for the infamous memo that detailed how then-vice president Mike Pence could overturn the 2020 elections to keep Trump as president. However, according to journalist Jonathan Karl in his book “Betrayal,” Trump’s other attorney Jenna Ellis, also drafted a memo like Eastman, explaining how Pence could overturn Trump’s loss.
The excerpt from Karl’s upcoming book explained that Pence could send back the electoral votes from six of the battleground states that Trump falsely claimed to have won during the elections. Ellis’s memo noted that Pence would give the states a deadline of 7 p.m. on January 15 to send back a new set of votes.
Pence ultimately refused to overturn the results, therefore certifying Biden’s win in the elections.
What is a semiconductor? An electrical engineer explains how these critical electronic components work and how they are made


What information will the Government make public about employers that claim under the Coronavirus Job Retention Scheme?
HM Revenue and Customs (HMRC) will publish details of employers that claim under the Coronavirus Job Retention Scheme for furlough periods beginning on or after 1 December 2020. The HMRC guidance on the scheme states that the information that will be published on GOV.UK is:
- the employer's name;
- an indication of the value of the claim; and
- the company number (for companies and Limited Liability Partnerships (LLPs)).
An employer will be able to request that HMRC does not publish its details only if it can show that publication would result in a serious risk of violence or intimidation.


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With Pakistan having now achieved the landmark of its first true democratic transition, the national priority is economic development. As Tariq Rizavi, Managing Director of PARCO (Pak Arab Refinery Ltd), states, “We are facing a shortage of energy which drives everything and without energy there is no industrial development.” That is, of course, essential to create a virtuous cycle of jobs and investment and to counter the economic stagnation which can become a seedbed for social unrest.
PARCO is rising to the challenge, as is PSO (Pakistan State Oil Company) whose MD and CEO, Amjad Parvez Janjua, describes the energy sector as “the lynchpin of Pakistan’s development effort”. Both companies have widened their capabilities, through the acquisition of previously foreign-owned activities, new investments to expand production capacity and to reduce reliance on imports, as well as through partnerships with independent or foreign technology providers.
PARCO is an integrated energy company and a Pakistani-Abu Dhabi joint-venture which has, through continuous reinvestment, grown from a small pipeline company in 1975 to the country’s strategic fuel supplier today, with a refining capacity of 100,000 bpd and storage capacity of over 1 million metric tonnes, besides a national pipeline network now spanning 2,000 kilometres.
Strengthening national capacity through technology transfer and through partnerships with overseas technology providers has been a continuous theme in PARCO’s development. Mr Rizavi mentions its retail joint-venture with Total of France and their recent acquisition of Chevron’s 500 petrol stations in Pakistan, PARCO’s technology agreement with UOP in Guildford, its technological support venture with OMV from Austria, and its purchase of LPG facilities from the Dutch SHV.
Mr Janjua also stresses PSO’s openness to partnering with foreign companies and mentions their agreements with Air Total of France and with investors from Kuwait, Singapore and the USA. He confirms that energy generation is amongst the company’s ambitions and that MOU’s have been signed but is coy about saying more in this respect.
However, PSO is reported to be planning a 40,000 bpd refinery in the Kohat district, which would take the company beyond its traditional focus on marketing and retail and be a step towards its becoming an integrated energy supplier. PARCO, for its part, is planning the country’s largest refinery at Khalifa and hopes to widen its activities by including an independent power plant in the scheme with surplus power being sold into the national grid.
Mr Janjua illustrates the pressing need for this investment in refining capacity, stating, “we import about 93 per cent of our products” and that Pakistan had been caught in a debt circle which had choked off funds for investment in energy provision, thus strangling industrial and commercial activities. With the debt situation resolved, the government was able to pay money owed to independent power producers who had under-utilised capacity “and that kickstarted the economy”.
He also sums up the government’s policy as being “to provide a better tariff for indigenous fuel-based generation” while “encouraging the use of solar, wind and other energies” and with “more of a focus on hydro-electricity generation”, thus combining sustainable consumption with a more balanced energy mix.
The wider use of cleaner motor fuel is also a government objective. PSO was a pioneer in the supply of compressed natural gas while PARCO has taken the lead in introducing into the market lead-free fuel compliant to EURO II standards. With its investment of $132 million in its diesel hydro desulphurisation plant, high-speed diesel fuel is now produced at PARCO’s Mid-Country Refinery, an important step towards a greener environment.
With public finances now in order, the government is able to pursue clear and well-defined national objectives to foster economic growth and social development and provide jobs. Key to achieving the country’s ambitions is very clearly a dynamic energy supply sector. The investments realised and those planned by both PARCO and PSO show their determination to meet the challenges ahead.


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|Foliage on the dryads|
|Glade Guard||Better view of the Glade Guard|
|Wardancers, with horribly fat greenstuff tails||More of the wardancers|
|One of the Wind Riders|
|A diving Wind Rider||Better angle of the diving Wind Rider|
|Another of the Wind Riders||The third Wind Rider|
When I was bored with sculpting, I worked on the Eternal Guard deathstar that was to be the heart of the army. For fun, I painted the banner with the same design that was on the movie trailer - the eye of one of the Nav'i.
|The Eternal Guard, with the Nav'i eye as a banner|
|6-man Wild Riders unit||The other unit of Wild Riders|
|Side view of the Wild Riders, showing off the six legs||Closer shot of a line of all 12 Wild Riders|
|Closer shot of the Dryads, this time with the LEDs in the board on||Wind Riders backlit from the board|
|Lord with the Bow of Loren||Spellsinger and Branchwraith|
|The ultraforge Treewoman, pre-ruining|
|Dramatically posed treewoman, with the board in the background|
Finally, I ripped apart a High Elf dragon and poured time into making it a Great Leonopteryx. Ironically, in every tournament but one, I fielded this as a Giant Eagle.
|Great Leonopteryx||Head of the Leonopteryx|
|Lord with a Rhymer's Harp, with nothing to do with the movie||BSB. The banner design is from the 5th Ed Wood Elf army book, and is meant to be Hometree.|
|Better shot of the Branchwraith||A deepwood sniper|
Painting the army got very monotonous very quickly, and I really feel like I rushed the paint job on a lot of models, knowing that I could rely on the conversion to do well in appearance points. I also felt very constrained by the need to tie everything in with the movie, when a lot of the pieces were stretches.
To try to reinvigorate my spirit, I custom-sculpted a unit of "treekin" using the animals of Pandora. I'd never completely scratch-built models before, so I was very proud of them when they were done. Now, the only one I'm proud of is the Hammerhead; the others have my now-typical problem with proportion.
|Treekin - a Thanator, hammerhead, and four nightgaunts||The Thanator trying to leap onto the Hammerhead|
Desperate to meet some vision in my head, I then ruined the best model in the army by attaching a fiber-optic contraption to the back of the Treewoman. The white fibers never carried light the way they were supposed to, and the hangy-down "stringy things" distracted the eye away from the rest of the army. I felt it was a really gimmicky stretch, and as a result this is probably my least favorite of my armies - though ironically it's probably the most iconic.
|The fiber-optics actually do light up, you just can't see them.|
|The army, this time with fiber-optic treeman|
The army was featured on Bell of Lost Souls, and was the first time I'd finished in the top 10 at any GT, confirming my theory that if I painted well and was fun to play, I could do great despite being a mediocre general. Looking back now, I wish I hadn't "jumped the shark" with the treewoman - the paint on her was by far the best thing I had ever painted to that point, and I ruined it with a shiny distraction that didn't quite work. The fiber-optics were greenstuffed to her back to look like a stump, and I fear removing them will take all the paint off her back. Perhaps some night I'll rip it off and see just how bad the damage is, then paint up Oacyning to be her tree-husband. The Erainn always need trees...


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FirstLight Home Care in Glen Rock offers compassionate and professional home care services for seniors and individuals in need of assistance. They provide a range of services including personal care, companion care, respite care, dementia care, live-in care, skilled nursing, and more. Serving the Bergen County area and surrounding communities, FirstLight Home Care is dedicated to ensuring the well-being and comfort of their clients with experienced caregivers who prioritize building trust and meaningful relationships.
Established with a mission to provide quality home care services, FirstLight Home Care has received accreditation through the Accreditation Commission for Health Care (ACHC) and recognition for their outstanding work ethic, effective communication, caregiver knowledge, problem-solving abilities, appropriate appearance, and customer recommendations. Contact them today to experience reliable and compassionate home care tailored to meet individual needs in Glen Rock and beyond.


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JACKSONVILLE, Fla. - So far, so good when it comes to Greg Jones' switch to fullback.
In the spring, the former Florida State and Battery Creek (S.C.) High School standout expressed some trepidation about switching from his natural position - tailback - but the Jaguars' coaching staff says Jones is making a smooth transition.
"It's going really good with Greg," new running backs coach Kennedy Pola said. "He has that aggressive nature to him and is not afraid of anything. Other than having to teach him about blocking angles, he's doing well. He's catching the ball and understanding what we're trying to do."
Jones, a former second-round pick who suffered a severe knee injury in college, explained his sluggishness as a rookie last season by saying he weighed 10 pounds more than he did at FSU.
Jones has since dropped that weight and is down to a listed size of 6-feet-1, 250 pounds, which Pola said is ideal for the prospect.
"The more he catches on (to the requirements of the position), the more I think he could be one of the best fullbacks in the league," Pola said. "He has the natural ability to do that."
What makes Jones an even better student is his willingness to learn an unfamiliar position without complaint.
"He's an outstanding athlete who's very smart," Pola said. "He also knows only one speed, and that's all out. That makes it so easy for me to direct him. You almost feel guilty about ever getting on to him."
The Jaguars, however, don't envision Jones as a typical blocking fullback. With his proven ball-carrying ability, they still see Jones more versatile, like Mike Alstott.
"Sounds good to me," Jones said of the comparison to the Tampa Bay Buccaneers standout. "He's been to a lot of Pro Bowls."
Wide receiver Cortez Hankton admits he isn't helping himself by continuing to miss practices with an ankle injury. The third-year pro turned his ankle last Saturday during the first day of training camp and has been sidelined ever since. The timing of the injury couldn't be worse for Hankton, a former undrafted free agent who is competing with eight other receivers for what's expected to be no more than six roster spots.
Hankton is one of two receivers to miss most of camp so far with an injury. Chris Cole also is being held out with a turned ankle.
Deke Cooper was considered the Jaguars' eventual replacement for Donovin Darius while the safety feuded with the team over his contract the past two years.
But Cooper, whom scouts consider a promising young prospect, said he doesn't know what to think after Darius recently reversed course and signed a long-term extension with the team.
"I didn't think he was going anywhere after he bought a house here in Jacksonville at the end of last season," Cooper said. "That's why it wasn't a surprise. I was told I would be the safety of the future, but things change."
With Darius under contract, Cooper will remain the team's top backup behind Darius and free safety Deon Grant. The bright spot for Cooper is that he can become an unrestricted free agent after the upcoming season.
"I'm sure I'll find work somewhere," Cooper said, grinning.

domain: sports


text:
June 1st 2021 saw the launch of the world’s first Net Zero Pension Summit, with a motion from the ‘Make My Money Matter’ campaign to encourage UK pension schemes to commit to Net Zero emissions1
Whilst the latest UK pensions legislation2 stopped short of making this goal mandatory, climate risk integration will soon be mandatory for pension schemes and so will reporting in relation to Task Force on Climate-related Financial Disclosures (TCFD) recommendations.
So where did net zero come from?
‘Net zero greenhouse gas emissions by 2050 or sooner’ is often associated with the Paris Agreement from the Conference of Parties (COP) 21 in 2015. ‘Net zero’ itself means emissions are at least equal to absorbing an equivalent amount from the atmosphere. Since 2015 the global momentum around climate change awareness, and commitments from different governments (including the UK) on what needs to be done, has grown exponentially. Governments, such as the UK, recognise climate change is an existential threat and that there is a moral case stemming from the UK’s history as a major contributor to greenhouse gases3.
International Energy Agencies (IEA) Global Energy Review 2021 estimates that CO2 emissions will increase by 5% this year, despite a respite in 2020 due to COVID-194. And, with COP26 due in Glasgow in November (of which NatWest are proud sponsors), climate change and restricting emissions as soon as is feasible, remains a hot topic.
There are a number of initiatives and benchmarks focused on this goal. To name but a few:
- The United Nations-convened Net-Zero Asset Owner Alliance5 representing $6.6trillion of assets
- The United Nations-convened Net-Zero Banking Alliance6 representing $29trillion of assets
- Net Zero Asset Managers Initiative7 managing over $37trillion of assets (in aggregate)
- Soon to be launched Net-Zero Insurance Alliance8 from seven world leading insurers and reinsurers
- Paris Aligned Investment Initiative9 representing $34trillion in assets
- Ahead of COP26, Glasgow Financial Alliance for Net Zero (GFANZ), brings together over 160 firms (responsible for $70trillion) from net zero initiatives across the financial system10
- Institutional Investors Group on Climate Change (IIGCC) who launched a ‘Net Zero Investment Framework’11
- Climate Action 100+ who launched a Net-Zero Company Benchmark12
What does that mean for pension schemes?
Over the past few years pension schemes have been on a significant ‘ESG’ journey. From understanding ‘Governance’ which many see as core to existing fundamental credit analysis, to building on the ‘Environmental’ side in line with a number of initiatives and disclosure improvements, and ‘Social’ being the least developed but very much with a renewed focus; particularly given impacts relating to COVID-19 and previous investments in social housing and essential services such as hospitals. The ESG approach and reporting requirements have evolved over time and vary from negative to positive screens, to engagement and stewardship through to the ‘net zero’ debate and whether portfolios can meaningfully evidence this.
Whether an asset owner targets net zero by either 2035/2040/2050 etc., this is not expected to be a portfolio cliff edge adjustment, but more akin to a glide path over time. That said, it is unclear if there will be a future market ‘Minsky Moment‘ should pricing of non ESG-friendly assets collapse leaving future “stranded” assets (in a situation where ESG related externalities and risks were not adequately priced in).
For pension schemes, whether that means changing their approach from the bare minimum according to the regulations (which we explain here) or leading from the front of the pack, an increase in ESG and climate risk-specific integration remains top of agendas.
What are pension schemes doing in practice?
Whilst there is a growing number of pension schemes (including the Church of England and National Grid pension schemes) that have committed to cutting portfolio carbon emissions to net zero by 2050 or earlier, BT Pension Scheme’s public goal of achieving net-zero emissions across all three scopes of 1, 2 and 313 by 2035 is arguably the most ambitious.
Many UK defined benefit (DB) pension schemes have spent the last 24 months significantly improving their ESG-related portfolio level data, to allow for scenario analysis (per the regulation14) and an increasing amount of scrutiny around how they can effectively decarbonise their portfolios.
How are regulations steering pension schemes?
In terms of recent pension regulation15, 2019 saw UK pension schemes update their Statement of Investment Principles to include ESG considerations and stewardship policies, whilst 2020 saw focus on asset manager alignment and incentivisation relating to trustee investment policy (including ESG risks and performance). From 1 October 2021, implementation statements and online publication requirements apply. For DB schemes over £5bn in size, climate-specific scenario analysis and reporting on the risks of climate change to their investments is required by October, albeit reporting on Scope 3 emissions16 in the first scheme year won’t be required given the practical difficulties in doing so. With time, as more companies report their Scope 3 emissions, this will flow into the climate metrics to support evaluations.
How can they evidence it?
There are a number of schemes that have committed a lot of resources to understand and take action on ESG risks however, in reality, the sheer volume of data and lack of consistency across asset classes stemming from different corporate disclosures and jurisdictions, remains a challenge. There are also a number of initiatives trying to help address this; from the Partnership for Carbon Accounting Financials (PCAF) which aims to measure a portfolio’s carbon emissions to the Science Based Targets initiative (SBTi) or Transition Pathway Initiative. Disclosure needs to increase, but in a more standardised or harmonised way.
Whilst the UK Government intends to make TCFD disclosures mandatory across the UK by 2025, pension schemes are one of the first. Simultaneously, the bottom up approach of companies reporting will feed into their analysis, highlighting the interdependent nature of ESG on many financial market participants. In addition to TCFD, a number of voluntary but important flagship initiatives such as the UN Principles for Responsible Investment Reporting and Assessment framework, to the Stewardship Code, require reporting but for slightly different metrics or different methodologies making it difficult to repurpose data. This has also led to schemes relying heavily on investment consultants and also needing to upskill teams/add specialist hires in this space.
Given this complexity, institutional investors are building out their ESG analysis, which goes beyond the ‘carbon numbers’ that will be incorporated when available.
So will we see a pensions race to net-zero?
Whilst it’s not new news that the quality of ESG data varies greatly, when thinking of ‘net zero’ targets as building on ESG related work and reporting, it remains a commendable target for pension schemes but one that is difficult to evidence. Whilst much of the above focuses on DB schemes, the same themes apply to defined contribution (DC) (including in relation to any DC default fund), albeit with marginally different timelines. There are also many different ways of achieving such a target, across scope 1, 2 and 3 emissions, and the extent to which carbon offsets are used – so the devil really is in the detail. In addition, it remains to be seen how pension schemes interpret the “as far as they are able” regulatory language caveat.
Whilst reputational risk is just one part of considering the extent to which a pension scheme will aim for net zero (either publicly or privately), the role of private sector capital in the UK’s ambition and path to net zero by 2050 will continue to be scrutinised.

domain: finance


text:
to begin to communicate the need for DHS/CAPTA/VAWA/Title IV legislative
change. Looking at what has been proposed during the election we must
strike quickly to get our reform message in their ears. Obama's message of the
need for fathers and families needs to be directed towards legislative
changes that actually encourage the states to keep families intact and both
parents significantly involved with their children.
child is brought up in a loving, healthy, supportive environment.
than their peers in single-parent homes to finish high school and be
shown to promote the positive physical, social, emotional, and mental
development of children.
SUPPORT OF CHILDREN.
approval of a State plan under part D of title IV of the Social Security
Act (42 U.S.C. 651 et seq.), each State with an approved such plan,
acting through the appropriate State agencies, shall assess the State
policies with respect to the issues described in subsection (b) and
submit a report to the Secretary of Health and Human Services on the
results of such assessment not later than March 15, 2008.
or sustainable economic opportunity for custodial and noncustodial
parents that are created or exacerbated by Federal or State laws,
policies, or procedures, including an examination of the rules of
Federal and State means-tested programs, the operation of the State
workforce system, the availability of financial education services, and
the availability of domestic violence services and child support
procedures to help victims of domestic violence stay safe and obtain the
child support they are owed.
Best Interest of Children and Families- The Secretary of Health and
Human Services shall award grants to States to establish or support
commissions to review the State assessment conducted in accordance with
subsection (a) and to make recommendations on ways to improve State law
in the best interest of children and families.
programs - such as child support enforcement and anti-poverty efforts -
that support father-absent homes"


In the organic fertilizers manufacturing process, how to granulate the raw materials after fermentation is a key factor that determines whether commercial fertilizers can enter the market and circulate. Generally, the following granulation methods are adopted.
(1) Agglomeration granulation. It is under the action of rotation, vibration, stirring, etc. to make the wet powder in motion agglomerate. Or use fluidized bed to make dry powder and granules get cohesion by supplying spray liquid (adhesive) to grow into proper granules.
(2) Extrusion granulation. It is a method that uses mechanical processing such as extrusion, roller extrusion or pressing to make dry powder or wet powder containing binder into a cylindrical, spherical or tablet shape.
(3) Crushing granulation. It is to crush massive materials into granules of appropriate size.
(4) Melt granulation. It is a method of granulation by cooling and hardening molten liquid.
(5) Spray granulation. It is a method of directly granulating solids in liquid after concentration.
(6) Crystallization and granulation method in the liquid phase. It is a method of agglomerating into spherical particles by liquid bridging agent and stirring while the materials are crystallized in the liquid phase.


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Kajal Aggarwal and Dhanush to team upJan 9, 2014 SV
Director Balaji Mohan of Kadhalil Sodhappuvathu Yeppadi fame will direct Dhanush and Kajal Aggarwal for his next project. The director is currently in the finishing stages of Vai Moodi Pesavum and once it is completed he will start working on the Dhanush and Kajal project.
Vai Moodi Pesavum has Dulquer and Nazriya and the film’s post-production works are on. Dhanush is also busy with a couple of projects and once he finishes the same, they will start working on the new movie.
Balaji Mohan has confirmed the news and said that he will direct Dhanush and Kajal for his next movie. Other members of the cast and technicians will be announced soon.
This is the first time that Kajal is cast opposite Dhanush.


text:
SingSnap Is Making Headlines! Read Below For An Inside Scoop!
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Information For Recording #b1a617964
On September 26, 2011
SimplyRozzy47 & gemactisity
Lionel Richie & Diana Ross
Taking a Nap...... :(
Wow I get to be first to sit here and Here this wonderful duet you have done with me and thank you so much for singing with me and I enjoyed it Rozzy..... William
Thank you so much... I am not crazy about my part. I think I was holding back because I was afraid of singing to loud... You are awesome.... :)
Rozzy this is really soooo beautiful...
Your part is wonderful and Gemactisity has an amazing voice...
Together you both make it prefect.... wow
Thank you I agree I enjoyed it as well... :) Just had a blast! Thank you for stopping by and listening....
Thank you my Heavenly Father for all your many Blessings..
Beautiful song and singing on this lovely duet Rozzy and William,,,,,,,,,,,,,,,take care, Bev
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text:
The Several Effects of Gambling Addiction Treatment
There are many ways in which gambling can affect your life in both the short term and the long-term. It can let you have problems with money or find it difficult to organize your finances. This sort of gambling can make you feel depressed or have a low self-esteem. Many health effects may be related to gambling and one of these effects is very likely to be the negative effects on your mental health. People who gamble on a regular basis tend to suffer from anxiety, panic attacks, depression, irritability and even mood disorders. These negative effects on your mental health are likely to affect your work performance also.
On a lighter side, however, gambling may also provide a form of release for the thrill seeking and thrill seeker. Often referred to as binding, this type of gambling can be characterized by a person"binge gambling" - losing track of the losses, spending excessive amounts of money on their favorite hobbies or activities while they try to come back to their winning streaks. For many gamblers, this sort of"binging" can create serious issues. If you're one of these people, do not let yourself get into financial trouble by binging. Instead, seek assistance from professional gamblers to assist you prevent bingeing before it gets out of control.
Some negative effects of gambling are less severe and may not impact you daily. However, these negative effects can accumulate over time and have a significant influence on your finances and personal life. Should you become a habitual gambler, this could lead to health problems like high blood pressure, cardiovascular disease, stress related depression, digestive problems, muscle pain, neck and back strain and arthritis.
A negative financial effects of gambling is also very real and must be considered seriously. People who are in financial trouble often resort to gambling to solve financial problems. This means that they spend more money than they usually would on their daily living and end up being in debt. This can create a downward spiral of debt and can place a great strain on family finances. It's very important to ensure that a gambler doesn't take on more debt than they could handle before asking for financial support from a third party.
One more negative impact of betting is related to personal relationships. The occurrence of gambling addicts in a relationship could result in the person who has been cheated on feeling very guilty and angry. They may believe they were the cause of the cheating and the man who was cheated on will also feel guilty.
These effects of gambling addiction treatment can have a severe effect on family life and relationships if they're left untreated. 토토사이트 If a individual gambles too much, it can have a devastating effect on their social life and sense of well being. It can even affect their professional life. If someone feels that they need to gamble a lot to be able to function, it is very likely that they will become irritable, depressed and possibly addicted to gambling.
토토사이트 Essentially, it can be stated that gambling addiction may have a very serious financial, emotional and social effect. 사설토토사이트 The first thing anyone interested in starting a gaming addiction treatment plan should understand is that gambling addiction is a serious condition and is often hard to treat. There are a variety of different treatments that may be used to treat people for gambling addiction. Folks should take all the necessary steps to be able to overcome a gambling addiction.

domain: sociology


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Internet bad-mouths: Firms' reputations can be harmed online
- Laura Hipp
Monitoring the reputation of Infoglide Software Corp. on the Internet wasn't even on Mike Shultz's mind.
But after learning that a former disgruntled worker savvy in the ways of Google algorithms had set up a sabotage, Shultz embraced checking the blogosphere and search engines as well as enlisting guerrilla marketing tactics.
One link that kept cropping up at the top of a search for the company was a 2002 Austin (Texas) Business Journal article about a lawsuit alleging bribery and corruption among Infoglide's leaders -- coming up even before Infoglide's corporate site. The allegations live on in cyberspace, despite the fact that the lawsuit was dismissed years ago.
"You get that sort of pop in the forehead (like) when they say you could have had a V-8," Shultz says.
The popularity of Google searches, blogs and customer comments has created a new worry for business executives and a new category of tech jargon: online reputation management.
Businesses must watch for attacks from competitors, ex-employees and angry customers, says Bill Leake, president and CEO of Apogee Search, an Austin, Texas-based search engine optimization firm.
Layoffs, management shake-ups and government investigations can easily wind up at the top of search engines, he says.
"Stuff out there on Google can just sit there for years and years and years," Leake says.
There are three areas that companies must focus on: search engine results, legal issues like use of trademarks, and talk on the blogosphere.
Most companies are just waking up to the need for managing a company's reputation on the Web, says Leake, who noticed an uptick in his clients' requests for help in the positive news more than nine months ago.
However, there is little companies can do to avoid becoming targets, Leake says.
Leake suggests operating honestly and ethically when dealing with vendors, customers and employees. But even then, a company is not safe.
"No matter how good your business practice is, you'll run into an evil, crazy person," he says.
A company just has to move past the incident and make more good impressions, he says.
"No matter how long you've been in business, eventually you'll get the equivalent of a corporate pimple and the question is, how do you clear that blemish," Leake says. "You can't cover up an entire face full of pimples. But you can spot treat one pimple before you go out on the town."
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text:
The Foyer Of The Heart - Poem by Donal Mahoney
In the center there's
oval like a locket
called the foyer
of the heart.
There the bullets
room to room,
hunts her man
around the house
Comments about The Foyer Of The Heart by Donal Mahoney
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text:
$8,100 (tax inc.)
Blackfella’s Creek on the way to Old Texas Station. Queenie painted this work in 1995 at the Warmun Pensioners Unit. She has signed it on the reverse.
Cash – locally only – up to $10,000 only. Layby facilities available. Card details can be advised securely using WhatsApp.
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text:
CIEH Foundation Certificate in Food Safety
The Feelgood Factory has been delivering bespoke food safety courses to the local and wider community for the past ten years.
Who is the course for?
- Food handlers preparing or cooking food for consumers.
- Anyone wishing to refresh previously learned skills or knowledge.
- Businesses wishing to offer staff development for food employees.
- Self employed food based small business owners.
- People looking to get work in any of these areas.
This course provides effective, efficient and comprehensive food safety training for all types of food business.
The content reinforces the importance of food safety and provides learners with an understanding of how to identify and control food safety hazards in their workplace.
The course flyer can be downloaded here.
For further information regarding training and costings please contact Malcolm Bannon.

domain: food


text:
Yeah, I'm kinda in love with this anime so I decided to paint the flag [since I can't really afford buying one off Amazon. I'm creying] But still, it was fun!
1st watercolor painting and 1st fan art for Attack on Titan! Wow, this was fun.
I do not own Attack on Titan.
OH MY GOD
YOU ARE SO PERF.
THIS IS PERF.
WHEN WE MOVE TO CANADA THERE WILL BE TINY ATTACK ON TITAN FLAGS ALL OVER OUR YARD.
LIKE WHAT PEOPLE DO ON INDEPENENCE DAY.
I'mma steal this, though. Maybe make one out of fabric. And put it in my room. y u cute, do?


text:
An Inconvenient Truth proved once and for all that movies can spur social change, whether through measurable impact or simply by getting the word out about complex issues to large audiences. With that in mind, Rain Bird has announced the call for entries for its second annual Intelligent Use of Water Film Competition. The competition seeks narrative, documentary, experimental or animated short films that illustrate methods and ideas for responsible water use.
Dave Johnson, Rain Bird’s corporate marketing director, says the company is looking forward to this year’s submissions. “It has been proven time and again that film is an extremely powerful medium that is capable of inspiring global change. In sponsoring the 2008 Intelligent Use of Water Film Competition, we aim to encourage discussion on ways to manage and efficiently utilize the earth’s most precious resource,” he says. “We are excited to once again be able to provide a forum that enables filmmakers of all sorts to actively raise awareness of this important issue.”
Entries are due by September 1, 2008, with submissions to run no longer than 10 minutes in actual or excerpted running time. Selections will be reviewed by both film and water management experts, with the judging panel to award a $6,000 Jury Prize and a $3,000 Audience Choice Award at a ceremony to be held in Los Angeles on October 28, 2008.
Rain Bird, the California-based manufacturer of irrigation products and services, is devoted to its many Intelligent Use of Water education initiatives, including its Intelligent Use of Water Award, Intelligent Use of Water Summits, public service announcements and partnerships with non-profit organizations.
For more information, visit www.iuowfilm.com.


text:
A takeover and a restart at Zaporizhzhia
“The Director General of the International Atomic Energy Agency (IAEA), Rafael Mariano Grossi (pictured by IAEA), said he will engage in consultations with the relevant authorities following reports that Russia plans to supervise operations of Ukraine’s Zaporizhzhya Nuclear Power Plant (ZNPP),” according to the IAEA’s official website.
IAEA experts at the site “have also learnt that the ZNPP plans to restart one of its six reactors which are currently all in cold shutdown. Senior Ukrainian operating staff informed IAEA experts present at the ZNPP that preparations are under way to start unit 5 at reduced power to produce steam and heat for the needs of the plant.”
Grossi is currently traveling in the region and is expected to meet with Kremlin officials at some time in the near future, after a stop in Kyiv. He reportedly will “continue talks aimed at agreeing and implementing a nuclear safety and security protection zone around the ZNPP as soon as possible,” with both sides in the conflict.
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Mulvaney would manage the White House's annual proposed budget, program and policies
The director also sets up the federal government's purchase of goods and services
President-elect Donald Trump has nominated Republican South Carolina Rep. Mick Mulvaney to be the director of the Office of Management and Budget.
“We are going to do great things for the American people with Mick Mulvaney leading the Office of Management and Budget,” Trump said in a statement Saturday morning. “Right now, we are nearly $20 trillion in debt, but Mick is a very high-energy leader with deep convictions for how to responsibly manage our nation’s finances and save our country from drowning in red ink.”
Mulvaney, if confirmed by the Senate, would manage the White House’s annual proposed budget, program and policies. The director also sets up the federal government’s purchase of goods and services, called procurement, and oversees the performance review for government agencies and federal employees.
Mulvaney called the appointment a “great honor.”
“The Trump administration will restore budgetary and fiscal sanity back in Washington after eight years of an out-of-control, tax and spend financial agenda, and will work with Congress to create policies that will be friendly to American workers and businesses,” Mulvaney said in a statement.
The move was first reported by McClatchy newspapers.
Mulvaney is a member of the House Financial Services Committee and is a co-founder of the conservative House Freedom Caucus, a group of conservative lawmakers who have clashed with party leadership.
He didn’t initially support Trump for president – he first endorsed Kentucky Sen. Rand Paul during the primaries. But he endorsed Trump a few hours after House Speaker Paul Ryan did in June, saying at a candidates’ forum in Gaffney, South Carolina, that Trump could advance the Republican agenda.
Mulvaney also told reporters in May that the one issue he wants Trump to detail his plans on is federal spending and debt.
“There might be common ground on entitlements based on his statements, because we honestly don’t have enough detail to know,” Mulvaney said at the time.
And in September, he tweeted, “I appreciate the fact that Trump is willing to embrace his business success. That used to be appreciated in this country.”
House Speaker Paul Ryan praised Mulvaney’s selection Saturday.
“Mick Mulvaney is the absolute right choice,” Ryan said in a statement. “I look forward to working with Mick in his new role, and I commend President-elect Trump on this excellent selection.”
South Carolina Sen. Lindsey Graham took to Twitter Friday to also back Mulvaney, writing, “@RepMickMulvaney would be a great choice for OMB Director.”
Mulvaney, who has represented South Carolina’s 5th District since 2011, went to Trump Tower in New York last week to meet with Trump and declined comment after leaving. Jason Miller, the Trump transition spokesman, told The State newspaper after the meeting that Mulvaney “has a very proven track record as a fiscal conservative and a government reformer.”
Although the role is largely administrative, the opportunity could help Mulvaney advance his political career.
Republican Sen. Rob Portman, a fiscal conservative like Mulvaney, left Congress as an Ohio representative and served as OMB director under former President George W. Bush before successfully running for a Senate seat. And Leon Panetta, who served as President Barack Obama’s CIA director and secretary of defense, was former President Bill Clinton’s first OMB director before eventually being promoted to White House chief of staff.
CNN’s Elizabeth Landers and Sophie Tatum contributed to the report.


text: We are entering a new geological epoque. The anthropocene. This video puts into perspective the influence of the industrial revolution and tells the story of how humans are altering the natural cycles of Earth. Yet a very important message to bring with you from this is that we can change in which direction the development will move. We can shape our future.

domain: geography


text:
Front-End Development Lead
Jesse is a Front-End Development Lead with over 10 years of experience in design and development. Coming from a formal design education background, and a passion for technology, Jesse brings a wealth of experience as an expert in both UX design and high-end web development. Jesse comes to us most recently from XBox, with viewpoints honed from being an effective member of large project teams down to small and agile agencies. Recent projects include Microsoft, Gottman Institute, Parentmap, Ancestry.com, and Caris Life Sciences.

domain: design


text:
Yet another push of cooler and less humid air will settle into the Harrisburg, Pennsylvania, area, prior to the weekend.
While Bertha will still generate some rough surf and the risk of locally strong rip currents into Thursday along the Atlantic coast, the system was losing tropical characteristics.
Spanning Thursday through Sunday, each day will bring at least partial sunshine, cooler-than-average air and lower-than-average humidity levels for early August. Typical highs this time of the year are around 85 F.
A system is forecast to spread some rain and thunder across the Ohio Valley and southern part of the mid-Atlantic this weekend. There is a chance that rain could move into and overwhelm the dry air around southern Pennsylvania and northern Maryland if this system travels farther to the north than now expected.
Comments that don't add to the conversation may be automatically or manually removed by Facebook or AccuWeather. Profanity, personal attacks, and spam will not be tolerated.
A slow-moving storm will cause travel disruption for days from Italy into the Balkan Peninsula.
Luego del caótico intento de evacuación por la amenaza del huracán Irma, el gobernador de la Florida anunció una serie de estrategias que buscan agilizar el proceso y maximizar el almacenaje de suministros frente a emergencias futuras.
After leaving destruction from Samoa to Tonga, Gita brought more damage as it hit New Zealand on Tuesday.
Stargazers have a new object to look for as a disco ball-shaped satellite shimmers in the night sky.
An upcoming change for early March will bring a return of colder weather, but will it yield bigger storms for the northeastern United States?
America’s fleet of weather satellites will grow this March as NASA and NOAA launch GOES-S, the newest satellite that will help meteorologists to improve forecast accuracy.
Fears of gusty winds around PyeongChang, South Korea, on Friday prompted officials to adjust schedules once again.
A recent study shows that virtually all United States-based winter recreation locations could experience shorter ski seasons by 2050.


MUTEMATH — yup, the name's all one word and contains all capital letters and no, we have no idea why either — has been one of rock's more unlikely success stories in recent years. Caught in major-label limbo in 2005, the band successfully won the rights to self-release its self-titled debut and moved tens of thousands of copies through its Web store. Warner Bros. re-released the disc the following year, and the New Orleans quartet has been on the road ever since, winning over crowds on the Warped Tour and as an opener for Matchbox 20. The recent This Armistice continues down the Police-esque experimental-rock path MUTEMATH laid out, with a bit less arena-rock pandering and a few more genuine moments of experimentation. But all of that's an excuse for the group's absolutely insane live show, which features human dynamo Darren King on drums: Your jaw will be agape for a solid 90 minutes while watching him do his thing.


GroupAssur engages Element AI to automate underwriting workflows and optimize the broker experience
Montréal, QC (Feb. 3, 2020) – Element AI, a global developer of AI-powered services and software that helps enterprises operationalize AI, today announced that GroupAssur, a Canadian-based broker and tech pioneer in the evolving insurance landscape, will use the Element AI OS for Insurance to optimize its underwriting workflows.
As a progressive Managing General Agent (MGA), GroupAssur recognized the need to automate tasks within the underwriting process that are manual, time consuming and inefficient. Designed to improve underwriting efficiency and increase the volume of business written, the Element AI OS for Insurance will automate these tasks with Element AI components such as document entity extraction, text classification and predictive models.
“With the increasing volume of information and data available, it’s essential that we engage with today’s AI technology to help us continue to deliver exceptional service to our brokers,” says Jean-François Raymond, President of GroupAssur. “Element AI offers the technology to not only help us meet customer expectations, but to balance the appropriate amount of automation and human interaction, giving us a technological competitive edge.”
Built to scale to insurers and brokers of all sizes, the Element AI OS for Insurance software is engineered with AI components that enable insurers and brokers to quickly and efficiently deploy and monitor AI solutions. These components—built specifically to address insurance use cases—can be assembled to solve end-to-end business problems through the entire insurance value chain.
“MGAs like GroupAssur are facing modern day challenges in meeting evolving customer expectations and optimizing processes efficiently,” says Carlos Benfeito, Head of Insurance AI Products at Element AI. “As a leader in the development of AI-driven software across industries, we recognize these challenges and are building products and solutions with them in mind.”
To learn more about the Element AI OS for Insurance or to request a product demo, visit www.elementai.com/contact.
Building off last year’s announcement of Underwriting Partner, this announcement follows past successes including Element AI Knowledge Scout, the company’s strategic partnership with LG Electronics at CES, and Element AI’s Access Governor solution, further reinforcing the benefits of AI integration across various industries.
Founded in 1993 by a group of brokers coming together to provide services to larger enterprises, GroupAssur is an MGA servicing specialized insurance needs of brokers and customers across Canada. The company provides underwriting services for complex insurance policies on behalf of Canadian insurance carriers, international insurance carriers, and Lloyd’s of London insurance syndicates. GroupAssur is headquartered in Montreal, QC, with additional offices in Quebec City and Brossard, QC, and Markham, Ontario. For more information, visit www.groupassur.com/en.
About Element AI
Element AI is a global developer of AI software that helps people work smarter. Founded in 2016 by serial entrepreneurs including JF Gagné and A.M. Turing Award recipient, Yoshua Bengio, PhD, Element AI turns cutting-edge research and industry expertise into software solutions that exponentially learn and improve. Its end-to-end offering, including advisory services, AI enablement tools and products, aims at helping large organizations operationalize AI and create real business impact. Element AI maintains a strong connection to academia through research collaborations and takes a leadership position in policy-making around the impact of technology on society.
For additional information, visit www.elementai.com.
- Learn more about Element AI in the InsurTech Spotlight.
© Element AI Inc. 2019, all rights reserved. Element AI™ and the Element AI logo are protected trademarks of Element AI Inc. Element AI Knowledge Scout software product is a trademark of Element AI, and may be registered or pending registration in several jurisdictions. Other trademarks used in this document may be trademarks of the manufacturers or vendors of their respective products.
SOURCE: Element AITags: Element AI, GroupAssur, InsurTech Spotlight, MGA