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If something in your life is actually important for you, such as family and friends, choose a man who feels the exact same way about it as you do. You need you into his and a man who slides easily into your life.
Two chicks at precisely the same time, is videos of local sluts Borden Prince Edward Island of a dream holiday( rainbow emoji) I kind of only ignore her remark about drinking and move it back to sex but at a crazy way involving a blow- up doll, who is of course my girlfriend.
Their goals for you must be apparent In the get go. Be cautious about your sacrifices and expenses When marriage discussion hasn't even entertained! Mary and Joseph were pledged to be married but they had yet to come.
Bad dumpers are very similar to runaway kids. They believe the grass is greener on the other side of the fence and all that is required for pleasure is to escape the relationship. There is often another love relationship waiting in the wings. The dumper that is bad avoids dealing with feelings and looking inside at attitudes which may have to be altered. Poor dumpers often leave quickly with no" good- bye" dialog or an excuse of their intent to end the partnership.
Well I'd like to write of relationship in the world. I've a friend who when they get really annoyed, especially with the nonsense that goes on with all our modern day monetary institutions, they generally refer to such nuisances because" swine's" . And in the majority of cases! If you need to talk to someone about a bill, you know, but the personyou're talking to lives half way round the globe and speaks with English that broken, so it creates a two- sound like a scholar. Yah that's when this individual gets really pissed that these folks are often known as" swine's" and cheeky ones at that! Regrettably" swine's" appear to linger in the world of relationship and singleness too. Argh, some of the horror stories I have heard and the rare few I've encountered, which makes me irate sometimes. Once a dear friend of mine ran to one of those" casual sex project threesome Borden Prince Edward Island's" and that he had been the jerk for her. I was angry, I considered Borden PE that guy a good beating and a mouthful after his lashings and flying outside to where she resides! Ladies seriously in the event that you find yourself being surrounded with" swine's" on your dating life, one, eliminate the dating wagon for some time and actually evaluate howyou're treating yourself. Because if it is a routine in your life whereyou're always having these type of low life swarming around you like fruit flies, then you might want to consider that you might have some issues lingering inside that require some serious Borden Prince Edward Island local sluts from this area xxx.
Consequently, this impairs their ability to maintain relationships. It is not impossible to overcome such issues but it is process of knowing, in which a issue is and seeking professional assistance to overcome said problem is essential.
Any action or hint of a relationship began being replaced by Borden Prince Edward Island free cougar dating apps and manipulations heavily influenced by his theatrical heritage. I was constantly altering my character to fit right into what he desired. I thought, " Well, this is my' true sugar baby dating apps. ' Me won't hurt, he's my best interest in mind.
A lot of them will also spend an inordinate local sluts nude Valcourt of time on media, while paradoxically, having no social life. If you see a ton of selfies, there's a very strong chance that she actually has no type of Borden Prince Edward Island online dating advice chat outside of the fraudulent one she is created online or is either maladjusted.
That stranger says he or she is a local sex sluts Norgate of your online online dating apps wikipedia. The stranger goes on to describe that your online buddy passed out, lost consciousness, and had to be rushed to the emergency room. The teen transgender hookers claims your online buddy asked them to offer you a call to inform you exactly what occurred.
There is a big difference between being aggressive or positive and being as well aggressive, over- confident, or simply ordinary base or slimed from a woman's perspective. If you press as well hard for a face- to- face, you will discover as also hostile. . . possibly also, frightening. Attempt to keep in mind that you are not attempting to shut a transaction and keep the relationship advancing at a slow- moving but constant speed.
Considering all the programs that include smartphones nowadays, it's easy to create your photos look fantastic. My cheap Huawei phone has an app built into it that makes my pictures look great.
For identity to become meaningful and substantive, it must be founded on truths. Among the problems facing young Americans now is that they've been infected with a false understanding. American identity is based on consumerism, celebrity worship, and a comprehension of religion and history. It's the latter that concerns me most, since if there are a people cut off from their history, their own heritage they are aimless and manipulated. The American individuality has been attacked over the previous Borden Prince Edward Island secret fuck buddy videos- century, the fallout of which has rendered most people catatonic and traumatized by the unending torrent of induced shame and guilt. The things we can possibly access all have been replaced with dumbed- down crap and propaganda that was hyper- politicized, the sole purpose of which serves to deaden us. With no Borden Prince Edward Island ider alabama fuck buddy of belongingness, it can be tricky to develop a sense of who you are. Without comprehending, That is where Millennial Americans find themselves bereft of any depth or soul, we're left confused and angered. Revitalize our spirits by rejecting modern degeneracy and our challenge is to dig deep into ourselves. We have to give up the economical and easy to digest culture that has been foisted upon us and rediscover our worth. It starts by unplugging from as many systems of management, although that process will look a little different for everyone. Once we can disentangle ourselves from the institutions that seek to dictate our beliefs and options to us, then we can truly begin the process of individuation. I can assure you that your journey will not be understood by people, and some may even fight to keep you around the farm. Those individuals might even be your family and friends, but does not mean you should abandon this quest, because they don't see Borden PE local sluts looking for a fuck as you do. It means that by the end of your journey, you will have turned into a leaderthe'Matrix'- like programming that's manipulating their notions.
Real individuals have work which takes up their time. They are going to have to walk away in the pc to visit the toilet, and to make dinner. Humans have to fall asleep! A bot has not one of these restrictions. Utilizing a bot makes it possible for a scammer to have every opportunity to contact the people who respond to the ad that was imitation they posted on Craigslist. The bot makes obtaining the scam started absolutely effortless.
There was not. We love live theater productions, little and frequently struggle to find dating apps are stupid to go with. I approached him with this: " I really enjoy you and we have flexible schedules. I'm constantly struggling to find someone to see theater. You go frequently.
OTHER APPS Most folks will wish to, at some point outside the relationship website stage. Snapchat, WhatsApp, Facebook, Instagram, some of these. I've found that this will be asked for by many of guys early on. Cos they want nudes.
Thus, when you walk up to a woman, your evolved, pre- frontal cortex says: " It is ok, there aren't any consequences of going up to her. Who cares what anyone else believes if they see me? Or who cares what she thinks of me" But the other part, your prehistoric lizard brain says: " Do not do it, you'll be in danger. " That is the good dating apps 2018.
Building Common Ground Take some time and try to discover some points that are common to speak about for establishing comprehension. This is when you want to interact with others an ability that will come in handy in all aspects of your life. For instance, you can cheating local sluts Borden a local supermarket or any place else where you'll have the ability to interact with others. Find something about the voucher clerk which you enjoy when you get to the checkout counter at the shop. I feel that girls have a tendency to spend a lot of time and effort accessorizing their outfits. So, if you notice that on some nice accessories, have a minute and compliment her. This will automatically make the man look up from whatever she is doing and respond to your compliment.
Make a conscious effort to pay attention to these cycles so you can conquer this trickery. It would help if you wrote these events you are able to handle them so you gain deeper insight into how emotions operate. Emotions captivate you like a charm, and you will feel as though it's not possible to break free. You can't appear to pull yourself out of it, although you know that there is no point dwelling on negative thoughts. You allow your ideas to control your emotions, and as a result, you feel much worse and there is no argument that can enable you to see things from a different perspective. The longer the emotions reflect the way the easier it becomes to stay in that frame of mind.
I am in western civilization, if you invite someone and then take them home, under normal circumstances, we know it's about sex. But that is not the case in China. Here it is quite normal for a girl to come your house to make friends.
In the world we call our abode, every day is a million and one duties beacon, and hectic as the past for our attention. Therefore, finding little local sluts Borden Prince Edward Island to go to house parties, pubs, or even excursions where you can meet, and mingle with new people, and possibly sextortion on dating apps Borden Prince Edward Island in love with one, can be difficult, if not downright impossible.
You will understand that you are hurt Wheneveryou're chasing your Twin Flame, and you project that in your Twin No casual sex Borden. Just because you discovered love does not indicate it is the responsibility to take on your past pain of your Twin Flame.
Cars. I can not talk for everybody, but I've my own, it does not make it and sits in my drive. I am not ashamed, my Borden Prince Edward Island is fresh, it's shiny, it's red and it's fast. So, pictures of you posing alongside your Mercedes, BMW, Ferrari are a turn- off. Get over yourselves, it's a vehicle. Worse still, some of you pose alongside a new car on a garage forecourt, all that says is you'd love this car but can't afford it, incorrect message to be sending out if looking for a spouse, most unimpressive. If she likes you, she won't give a local sluts amatuer videos Borden about your vehicle or your dreams when you scoop your ten thousand of possessing one. Boys' toys have no place on a profile, however shiny they may be.
Additionally a participant will normally keep conversations on a superficial level. The objective here would be to give off. There will not be a lot of volunteering info about matters like friends and family; function is generally off limits.


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subset: commoncrawl


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Wednesday 23 September 2020
4pm - 5:15pm
The class is suitable for all levels so don't worry if you're a beginner. The type of yoga I teach is Vinyasa flow and this class will focus on grounding.
For the class you will need:
The zoom link will be sent out half an hour before the class. Registrations close 30 minutes prior to the start of the event.
The class is limited to 15 people so if you no longer want to attend then drop me an email so I can give your place to someone else - email@example.com
Sign up to the class here - www.strathunion.com/whats-on/freshers/yoga/


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LANSING, Mich. (WLNS)– Many parents wondered why Governor Gretchen Whitmer waited for weeks to make the decision to close schools for the rest of the year. She says it was not an easy decision to make and it involved talking to many different groups around the state to make sure that the students were taken care of.
School buildings will stay closed and empty, but Whitmer says this won't stop students from getting a good education.
"This doesn't mean our kids will stop learning," she says. "Each district must develop an alternative learning plan for students to continue their education during this time. Plans will be different based on district."
All faculty and staff will be paid for the remainder of the year. Students will continue their online work for the next few months. Some could learn over the phone or by mail, depending on their district's plan. Whitmer says students and families won't be punished if they don't have the resources to do it.
"Districts must make sure that their plans are appropriate and accessible for families in their schools. If the plan relies on some online instruction, the district should ensure that every student has access to an appropriate device with an ability to connect to the internet."
The goal for now is to allow the class of 2020 to graduate on time and for all other students to move to the next level. Whitmer says it's not the easiest plan, but she believes it's what's right for Michigan.
"This is the best thing that we can do for the health of our children, for the tens of thousands of educators in Michigan who work in our schools."
With just a few months left in the school year, Whitmer says the priority now is to make sure no student is penalized as a result of COVID-19.


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text: Special Populations Youth Coordination Development by Brian Grasso | Date Released : 14 Sep 2007 0 comments Close Introduction Ages 6-13 work within sensitive realms of CNS development Long term spectrum – years of training (not a six week program) Build a long-term curriculum and they will stay for the long term Coordination development is at the heart of working with kids Coordination consists of balance, spatial awareness, kinaesthetic differentiation, rhythm, movement adequacy Balance – static and dynamic Kinaesthetic differentiation – how much force required to produce specific desired outcome? Working within sub-maximal efforts and loads Rhythm – uniform and asymmetrical Spatial awareness Groups and individuals Chronological, biological and emotional ages How to work with varied group skill levels Progressions and regressions Self esteem is everything Scramble to Balance game Belly to one-foot balance with eyes closed – varying cues Skip Loop game Concept of plasticity with CNS Skills and physical abilities Spatial awareness – ball toss behind back and with partner Creating games within science Movement Adequacy - High step march with frontal arm movements Kinaesthetic differentiation – three balls of different weight Standing leap from X to tape mark – getting close without touching Ages 6-9 – 20 +/- kids Ages 10-12 – form and function Warm up - Working in the three planes Basic compound movements Skill of the day Guided discovery Don't over coach – let them find the patterns Coordination games Systemic strength training Lot's of ROM but not stretching Cool down with mobility drills and training technique drills 40 to 50 minutes per session Society tries to force short term solutions for long term issues Embracing long term development – we have our bodies for LIFE! Not fat loss programs – teach them to love movement and exercise Back to top About the author: Brian Grasso Brian Grasso = "Mindset Matters Most"... … The global phenomena that is taking the world by storm and helping people learn that no matter what the goal, if your MINDSET isn't right, you're never going to get there. An 18 year veteran of the sports training industry, Brian founded one of the largest youth development educational organizations in the world, served as its CEO for nearly 8 years and co-created one of the fastest growing fitness franchises in the United States along with it. He has guest lectured at governmental and private associations around the world - including Australia, New Zealand, Ireland, Italy and throughout North America - coached more than 20,000 athletes and worked with Olympic Medallists, professionals from varying sports, collegiate standouts and kids. Brian authored "The Audacity of Success", co-authored the bestseller "Total Body Transformation", wrote and co-produced the landmark short film "Life by Numbers" and writes regularly for magazines around the globe, including Inked and Bulace. His most recent book - Mindset Matters Most - became an Amazon Best Seller this past April. Full Author Details Related contentContent from Brian Grasso Developing Strength & Resistance Programs for Young Athletes Melissa Hinkley | Articles Safe Practices for Training and Conditioning Youth Soccer Fernando Solis | Articles Sports Kids Should Play Brian Grasso | Articles Training by Decade Steve Jack | Articles Fitness Fundamentals for Young Athletes Robb Rogers | Articles Training Teens Tara Finnerty | Articles Youth Training: Where Did We Go Wrong? Brian Grasso | Articles Youth: The Power of Encouragement by Gary Gray | Videos Youth: The Long Term Perspective by Brian Grasso | Videos Youth: Preparation for the Path by Michael Boyle | Videos Youth: Our Greatest Teachers and Most Vital Legacy by Paul Chek | Videos Youth: Training the Right Qualities at the Right Time by Charles Poliquin | Videos Youth: Discovering Movement by Lee Taft | Videos Youth: Making Movement Play by Juan Carlos Santana | Videos Teaching Technique to Young Athletes Brian Grasso | Articles A Functional Approach to Children's Fitness Mark Mancino | Articles Junior Athletic Conditioning Tyler Wallace | Articles Plyometric Training for Youth Donald Chu | Articles Youth: The Long Term Perspective by Brian Grasso | Videos Youth Coordination Development by Brian Grasso | Videos Strength Training in Adolescents by Brian Grasso | Videos Author Spotlight: Brian Grasso on Mindset & Motivation by Brian Grasso | Videos Leave a reply Comments (0) Back to top


text: Mother of Bride 0 Posted February 22, 2009 My daughter is getting married at RMB in Jamaica this June...she wants the beach wedding but wonders if wearing a veil is a wise idea or not ! If its windy at the beach (which I assume it always is ) is the veil going to cause problems with photos & will she be worrying about it the whole time ? What are your thoughts ? Quote Share this post Link to post Share on other sites


text:
Thanks for your interest in Join Me Em Portugues!
I'm currently working on a detailed video to get you the latest information on this…
But in the meantime…
Checkout the best ClickFunnels offers, benefits, and features below.
In this day and also age, the means your business operates online could make or damage you.
Just how do most services presently have a visibility online?
The reality of the matter is, however, that web sites have considerably evolved over the previous years – and also the methods of old are no more useful for modern day organisation.
In the past, it would be enough to have a straightforward web site with a web page, services, prices, concerning us, and contact pages.
A prospective consumer would certainly most likely to your site, scroll about, check out the various pages and eat web content as they please.
Nonetheless, if you are a company spending any kind of cash on advertising and marketing, you want to regulate just what clients are finding out about on your site, existing deals at the correct time, as well as take full advantage of the revenue you make from each individual.
Exactly how does one accomplish this?
Making use of sales funnels.
Go into ClickFunnels
ClickFunnels is the simplest means to earn high transforming sales and advertising and marketing funnels.
It is an unique tool developed especially to transform prospective customers right into customers.
It actually is an all-in-one solution to create sales funnels as well as includes touchdown web pages, e-mail assimilation, payment, webinars, subscription sites, therefore far more. Not surprising that it has rapidly end up being a favorite device for marketers.
Below is my comprehensive ClickFunnels Testimonial, including favored functions, rates, pros/cons, and contrasts against rivals.
Join Me Em Portugues: However First, What Exactly Is a Sales Channel?
Sales funnels (likewise called marketing funnels) are multi-step campaigns that are created to move potential leads with your sales process, as well as turn them right into buyers.
Photo a real-life channel. On top, you put fluid in, which narrows down to one dealt with destination.
In sales, a similar event occurs. On top, site visitors reach your site, yet not all who get in make it out of the various other end as purchasers.
Numerous points need to take place from the time a visitor enters your funnel, to the moment they act and effectively complete an acquisition.
By breaking down the client's journey right into smaller sized actions, you can be more exact regarding just how and when you present a deal to your target market.
The thorough action in a funnel could look something such as this:
- Unqualified lead gets to touchdown page
- Web page interacts the first offer (something totally free to accumulate an e-mail).
- Once email is gathered, main deal is pitched.
- Lead becomes a paying client.
- More e-mail interaction delivering customer worth.
- Further partnership building
- Persisting sales.
ClickFunnels likewise has a visuals that describes this in a straightforward method:.
Exactly what is ClickFunnels?
As discussed earlier, ClickFunnels is the very best sales funnel software around today.
The company makes the bold insurance claim of giving you everything you should market, sell, and provide your products online – as well as they absolutely supply.
A standard channel will utilize an opt-in page (to accumulate e-mail addresses), an e-mail automobile -responder (to send emails to your consumers), plus an added sales web page with some material and an order form, possibly followed by added content, a membership site, and so on
. Previously, you would certainly have to use various platforms as well as tools to complete all of these jobs such as:
- Produce a website
- Locate Hosting
- Find an autoresponder solution
- Locate membership site software program
- Find split-testing software program … and so on
But ClickFunnels cares for everything with their system. You not only conserve a ton of cash by not needing to buy different products/services, however you also stay clear of the technological mess of having to set everything up, and also can concentrate on just what's truly crucial – growing your business.
ClickFunnels provides a Totally free 14-Day Trial, so you reach explore the device as well as actually see if it's right for your organisation.
Favorite Features
* Swiftly Create Pages Using Templates as well as Components *.
Prior to getting too much, it is necessary to understand that a funnel is a collection of web pages put together in a tactical order, with the goal of converting as many leads into customers. And a web page is merely a collection of various aspects created to obtain someone to take a specific action.
ClickFunnels provides more than 50 various elements to assist you construct the excellent web page. The editor is exceptionally very easy to utilize and all you have to do is drag as well as go down various components on the web page, as well as update the text and also appearance to fit your requirements – no coding skills required!
ClickFunnels additionally makes your life easier by providing you with a lots of free themes.
As a matter of fact, ClickFunnels offers over 37 sorts of pages for you to mix and match with. These are broken down right into the following 10 classifications:
- Presell Pages: Survey Web Page, Article Page, Presell Page, Clickpop Web Page
- Optin Pages: Press Web Page, Reverse Press Page, Lead Magnet, Discount Coupon
- Thank You Pages: Thanks Page, Offer Wall Surface, Bridge Web Page, Share Page
- Sales Pages: Video Clip Sales Web Page, Business Letter Page, Item Introduce Page
- OTO Pages: Upsell Page, Downsell Page
- Order Forms: Two Action Order Page, Typical Order Web Page, Video Clip Sales Letter Order Page, Sales Letter Order Page, Item Introduce Order Page
- Webinar Pages: Webinar Enrollment Web Page, Webinar Verification Web Page, Webinar Program Room, Webinar Replay Area
- Membership Pages: Accessibility Web page, Member's Location
- Associate Pages: Accessibility Web Page, Affiliate Area
- Other Pages: Application Web Page, Ask Page, Shop Front, Web Page, Hero Web Page, Hangout Web Page, Live Trial Web Page
The pre-built themes are totally adjustable, as well as are just what most customers make use of.
You have the ability to pick a template, modify or change the aspects with your personal, and also your brand-new web page is ready to go.
You could additionally connect any channel you produce with your very own email advertising and marketing service (if you do not make use of the one included in ClickFunnels), and also utilize the ClickFunnels constructed in billing system.
This is also a fun time to discuss that ClickFunnels gives very helpful and also understandable training video clips when you first join. I extremely recommend experiencing those because they promptly allow you to make use of the tool at its full capability, as well as you'll have more fun messing around. Join Me Em Portugues
* Create One-Click Subscription Sites *.
Among the very best features with ClickFunnels is the ability to conveniently create membership websites and also provide material to your target market in one location.
Your membership site will come complete with enrollment pages, membership gain access to web pages, as well as web content pages which you can conveniently secure or drip feed to your consumers inning accordance with acquisitions they made in your channel.
ClickFunnels membership websites permit you to send out e-mails, easily manage your e-mails, as well as develop a neighborhood all while eliminating the stress that's connected with other options such as Kajabi, or WordPress platforms.
It's really handy to not have to acquire a different software application or plugin to create subscription sites.
* Email Integration & Actionetics *.
With every channel comes e-mail listing building opportunities.
ClickFunnels sustains email combination with all of the major e-mail automation platforms such as:
- Active Campaign
- Aweber
- Constant Contact
- ConvertKit
- Drip
- Get Response
- Hubspot
- InfusionSoft
- Mad Mimi
- MailChimp
- Market Hero
- Ontraport
- Salesforce
- Sendlane
- And others
Nevertheless, ClickFunnels also has their own powerful automation device called Actionetics.
Although you can produce, routine, and supply e-mails just like any other email advertising and marketing platform, Actionetics is a lot extra.
I love Actionetics because it not just changes your e-mail advertising however carrier advertising and marketing and also SMS advertising and marketing software applications also. This takes automation to a whole new level as well as aids you communicate the best message to your customers, specifically when they require it. A video review of Actionetics will certainly be provided additionally listed below.
* Payment and also Repayment Combination *.
A remarkable attribute within ClickFunnels is the ability to accumulate all the invoicing information from your consumers precisely your sales web page. Offering is made a lot simpler when customers do not have to leave your site.
ClickFunnels incorporates with significant repayment entrances such as PayPal, Stripe, and also InfusionSoft, among others.
ClickFunnels Prices.
While you can begin with the Free 14-Day Test, there are 3 various prices options with ClickFunnels:
- $ 97/month.
- $ 297/month.
- $ 997 mass discount plan (suggested).
I'll explain for every of these strategies listed below.
1. ClickFunnels Standard Plan – $97/month.
The basic plan includes all of the functions you would certainly need within ClickFunnels, yet with restrictions on the variety of funnels (20) and also pages (100) you can have in your account, in addition to the number of site visitors (20K) can watch your pages monthly.
You also do not receive sophisticated capability such as ClickFunnels very own e-mail advertising as well as affiliate monitoring tools.
2. ClickFunnels Etison Suite – $297/month.
This strategy includes all the bells and also whistles of the conventional plan, without any restrictions. It additionally comes with 2 additional items generated by ClickFunnels called Actionetics (email advertising) as well as Backpack (associate management system).
In Actionetics – you can take care of all your get in touches with that subscribe to your listing, send out e-mail programs, as well as produce a host of other automations. Join Me Em Portugues
The distinction between the two strategies actually is the constraints, as well as Actionetics/Backpack. If you are a standard user as well as don't anticipate to utilize more than 20 funnels in your account – the Requirement Strategy need to be adequate.
Nonetheless, if you plan to have an affiliate program or wish to keep your e-mail marketing within ClickFunnels and not make use of a third party software, the Etison Suite is for you.
You could constantly begin on the lower strategy and upgrade if needed.
3. Funnel Hacks System – $997
For anyone that's severe concerning their business, the ClickFunnels Funnel Hacks System is the offer of the century.
The $997 Funnel Hacks System has durable training programs packed with 6-month access to the ClickFunnels Etison Suite.
This is an amazing offer since beyond this program, 6-months of Etison Suite alone would certainly cost you $1782.
Not just are you conserving $785 but you're obtaining a ton of trainings and also overviews of assist you obtain one of the most from ClickFunnels!
ClickFunnels Pros and Cons
- Creating funnels is extremely basic, simple, as well as quick
- All-in-one platform with every little thing your company should win
- Split testing and conversion monitoring included
- Email combination with every one of the major email autoresponder platforms
- Repayment processing abilities within ClickFunnels
- ClickFunnels is always adapting as well as updating to the times
- There is always support readily available (whether real-time or otherwise).
- Unbelievably energetic Facebook Team Community.
- Free 14-Day Test – allows you to try it risk totally free.
- As amazing as ClickFunnels is, it definitely is not a low-cost service and also needs a continuous registration to utilize
- Support isn't always the fastest as well as might extract from 1 minute to 24 Hr depending on the concern.
ClickFunnels versus Everybody Else.
Many individuals ask how ClickFunnels compares to various other touchdown page contractors such as Leadpages, Unbounce, as well as Infusionsoft.
Essentially it's not really a fair contrast because each of these devices excels is one area or the other.
The chart over offers an extensive evaluation – yet I'll highlight several of the major comparisons listed below.
ClickFunnels vs Leadpages
Before ClickFunnels, Leadpages was the huge pet.
Leadpages is merely a lead capture software program – absolutely nothing more. You could develop touchdown pages, lead boxes, gather leads … that's basically it. Furthermore, the Leadpages design templates are additionally restricted on personalization.
ClickFunnels is even more functional – it's much easier to utilize and does so much more compared to develop lead capture web pages.
Simply put, Leadpages is really simply a touchdown web page builder, while ClickFunnels is concentrated around developing very incorporated funnels.
ClickFunnels vs Infusionsoft
Infusionsoft is not a landing page or sales web page building contractor. It has some of that functionality constructed it, but that's not exactly what it's recognized for.
At it's core, Infusionsoft is a CRM system – one that permits you to handle your entire consumer data source. ClickFunnels has this capacity with Actionetics, yet it's not nearly as advanced as Infusionsoft.
Infusionsoft is also very costly and pressures every new consumer to pay $2000 for a compulsory kickstart coaching plan just to find out the best ways to use the intricate system (which is infamously challenging to utilize).
ClickFunnels Affiliate Program
There are two major courses people decrease as ClickFunnels individuals.
Those that prefer to utilize the tool for their organisation – in hopes of someday achieve the Two Comma Club (over $1M in revenue).
And those that have an interest in gaining easy income as a ClickFunnels Associate and winning the Desire Car Competition (where they pay $500/$1000 to your dream automobile if you get to 100/200 active monthly signups, specifically).
With a massive 40% monthly repeating compensation, ClickFunnels quickly has among the greatest associate programs of any kind of platform out there.
That's right – you earn money a continuous 40% commission on every affiliate signup you make via the ClickFunnels Associate Program. However, exactly what does that actually equate to?
The fundamental plan is a $97/month investment and also the Etison Suite plan is a $297/month financial investment. for that reason you make $38.80 each standard plan as well as $118.80 per Etison Suite strategy … each and every month!
On average, every 100 signups will certainly bring in $4000/month in affiliate payments (more or less depending on the number of Etison Strategy customers remain in there).
Click on this link to read more concerning becoming a ClickFunnels Affiliate.
All-time Low Line
ClickFunnels is hands down the best system if you are planning to quickly build high transforming sales funnels.
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Pretty Cross Bookmark craft resembles a stained glass window. This craft is not recommended for younger children because of the difficulty cutting out the center cross and working with contact paper.
- Colorful printer paper
- Scissors
- Gold or silver garland (Christmas garland works well) or colored glitter
- Printout for the Cross Bookmark
- Clear contact paper or 2″ wide clear packing tape
- Print out the Cross Bookmark on the colored printer paper. NOTE: When printing a PDF document, be sure to print at 'Actual Size.'
- Carefully cut out the cross from the inside of the bookmark. There are a few tricks to doing this. Either take a snip from the center of the cross then work your way to the outline of the cross cutting along the lines. Another option is to gently fold the bookmark and snip the horizontal portions of the cross first then cutting the vertical lines (see below.)
- Peal the backing off of a section of clear contact paper that is large enough for the cross bookmark.
- Lay the cut bookmark with printed side towards the sticky side of the clear contact paper.
- Using either snipped pieces of the garland or the sprinkles – fill in the area where the cross has been cut out and the sticky contact paper is visible.
- Gently shake the excess off the cross and apply a second piece of contact paper to the back side of the cross bookmark.
- Cut out the bookmark along the outer dark edge of the paper.


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Mindset Matters: Let's Talk About Appreciation
Date and Time
Wednesday Sep 23, 2020
Complimentary/Pay What You Can
Contact Information
Katy Area Chamber | 281-391-5289
Send Email
In partnership with Consolidated Communications, we bring you: Mindset Matters, Let's Talk About APPRECIATION.
There is scientific evidence that states that our Mindset is a critical factor in determining both our level of Success and our Happiness in life. One way we can stay positive, despite our circumstances, is to purposely place our focus on Appreciation.
As we head back to school and try to find a "new normal", let's take a look at all of the things we can Appreciate.
Let's turn our attention towards the following:
- Appreciating the opportunities COVID has brought to us
- Appreciating the people in our lives (family, friends, co-workers, employers)
- Appreciating the Business that is still being conducted and the care we give to each other
- Appreciating the people on the front lines who have special gifts
- Appreciating the environmental changes that are happening
Please join us as we explore this topic. We will have an interactive session for 30 minutes and will leave you with a way you can make a positive difference in this world.
Due to the COVID-19 Pandemic, all program content will be held virtually through the end of September. Because of this, we are implementing a "Pay What You Can" registration for all virtual events. This will allow the Chamber to continue to put out informative content to our business community. If you're not in the position to pay anything, please register for the complimentary option. If you're able to contribute a small donation to the Chamber, please select that fee item. We thank you for your continued support!


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A luxurious fingering/4ply yarn in the softest Merino Silk blend - the colours are luminous! A twisted ply giving great stitch definition.
Another great base addition to the Black Elephant UK yarn selection.
100g/ 365metres, in a 80% Merino, 20% Silk dreamy yarn.
Tags: Luxury, Merino, Silk, Twist, Twist sock, Wool
Brand: Black Elephant
Type: Yarn


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Director of R&D
Chief Executive Officer and Chief Financial Officer
Chief Technical Officer
Managing Director of Cryptomathic GmbH
Executive Vice President, Americas
Executive vice president, EMEA
UK Operations Director
Anette Byskov is Director of R&D in Cryptomathic and responsible for the R&D division delivering high quality software using efficient, agile processes. She ensures that R&D continuously adapts and improves to deliver even better products to our growing customer base.
Within Cryptomathic Anette Byskov has held a number of different positions, all in the R&D division, which she has played a major part in building up. Prior to joining Cryptomathic, she worked as a software engineer in a large Danish bank.
Anette Byskov holds a Master of Science in Mathematics and Computer Science (Cryptology) from the University of Aarhus.
Charlotte Møller Andersen is Cryptomathic's CEO and CFO, having been appointed in 2016. Since joining, Charlotte has worked on improving the financial reporting, strengthening and aligning the financial processes and systems across the group and continues streamlining adding benefit to customers, partner and colleagues alike.
Prior to joining Cryptomathic, Charlotte built a career in finance, first as an external auditor at PwC, followed by various finance functions in a FMCG company - Arla Foods (one of the world's biggest dairy companies), where she was responsible for the external financial reporting and financial processes connected to period-end.
Charlotte holds a Master of Science (MSc) in Business Economics & Auditing from the University in Aarhus and is a Certified Public Accountant in Denmark.
Emil Kaae Hansen is Cryptomathic's Chief Technical Officer with the overall responsibility for delivering Cryptomathic's state–of–the–art solutions in line with customer needs. He is responsible for managing the technological and innovative direction for the company as well as managing the unique intellectual capital that Cryptomathic has evolved with highly skilled architects, developers, QA and security experts.
Emil Kaae Hansen has been with Cryptomathic for more than a decade in various positions, including developer and project manager in Aarhus and senior solutions architect in Cambridge. Prior to assuming the role as CTO he has worked extensively with implementing secure cloud infrastructure for big data solutions in both the bioinformatics industry with QIAGEN and the food industry in the Danish Data Science start–up Scio+. He has also worked as a security consultant for Signaturgruppen, a NETS owned company, building highly scalable services for the Danish MitID national authentication and signing infrastructure.
Guillaume Forget is Managing Director of Cryptomathic GmbH and owner of Cryptomathic's eSignature product portfolio.
Since joining Cryptomathic in 2005, Guillaume built tremendous experience in business development, strategy, IP and product management. Guillaume is also an eSignature evangelist with wide industry knowledge stemming from many live deployments. He is a foremost expert in remote signing and "What You See Is You Sign" where he has co-authored several papers and patents and is actively involved with eIDAS.
Prior to joining Cryptomathic, Guillaume worked as International Business Developer in the payment systems division of computer company, Groupe Bull - Atos. Guillaume holds a master's in business, majoring in business strategy from Paris-based IMT – Business School, formerly known as 'Institut Mines TELECOM – Ecole de Management'.
Matt Landrock is CEO of Cryptomathic Inc. and the Executive Vice President of Cryptomathic's Americas operations. He also has overall responsibility for Cryptomathic's partner relations and corporate sales. Matt has played a central role in Cryptomathic's growth and international expansion, setting up Cryptomathic's first office outside Denmark in 1999. Matt has also been responsible for establishing offices in Germany and USA.
Matt Landrock is on the ISSE (Information Security Solutions for Europe) Industrial Technical Programme Board and is an executive member of the Cryptomathic board.
Prior to joining Cryptomathic Matt Landrock founded and managed an IT supplier company focussing on retail markets and distribution channels.
Matt holds a B.Sc. in Computer Science from the University of Aarhus and an MBA from the Rotman School of Economics at the University of Toronto.
Morten Landrock is Managing Director of Cryptomathic Ltd and Executive Vice President of Cryptomathic's EMEA operations, managing a team of people based in Denmark, France, Germany and the United Kingdom. He is also responsible for Cryptomathic's corporate marketing activities.
Since joining Cryptomathic in 1999, Morten has worked extensively in business development, corporate strategy, innovation, management, marketing, and sales with a keen focus on international expansion - setting up offices in e.g. Denmark and United Kingdom.
Prior to joining Cryptomathic Morten worked in marketing in USA.
Morten holds a B.Sc. in Business Administration from the University of Aarhus and supplemented studies with a graduate economics course from the University of Leuven.
Tim Summers is Cryptomathic's UK Operations Director, who oversees all logistics an operational aspects of Cryptomathic Ltd. and is responsible for the flow of operations information to the CEO and the board. As the Operations Director Tim has accountability for the operational performance ensuring that Cryptomathic is both cost effective and of a high quality; driving key measures such as delivery schedule adherence, quality, and supplier performance.
Prior to joining Cryptomathic, Tim built his career within the Cyber Security sector, having previously worked 9 years for nCipher Corporation, followed by 4 years at Thales e-Security.
Tim graduated from the University of Hertfordshire with a degree in Production Engineering and Management.
See which standards we support to help our customers to achieve complianceLearn more


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My snubs and surprises at the Oscar nominations
Well here we are folks. The moment that all of the Oscar junkies have been waiting for. The announcement of the Academy award nominations was today, and not surprisingly The Shape of water leads with 13 nominations in total.
But, what was surprising about this year's nominations? Well there we some surprises all right and not just among those who got on the list of nominees, but also with those who were left out.
Let's start with the latter. Tom Hanks failed to get a nomination for his performance in Steven Spielberg's The Post, and so did this year's Golden Globe winner James Franco for his role in The Disaster Artist.
Steven Spielberg also was not on the best director list for the Oscars but surprisingly Woody Harrelson was. He was not nominated for a Golden Globe, but his effort in Three Billboards Outside Ebbing, Missouri was not unnoticed by the Academy. Actress who on the other hand was nominated for a Golden Globe, but not for an Oscar is Michelle Williams for All the money in the world, and i was truly bummed out about that because Christopher Plummer (aka Kevin Spacey's last minute replacement) was. I was also happy to see that Logan got a Best adapted screenplay nomination, and will secretly be rooting for that one on March 4th.
Daniel Kaluuya (Get Out) and Timothée Chalamet (Call Me by Your Name) are Oscar rookies in the Best actor category, populated by heavy-weighs like Daniel Day Lewis, Gary Oldman and Denzel Washington. Now, Daniel and Timothee are not surprises by any means, but I was glad to see Blade Runner 2049 get 5 Oscar nominations.
If you go ahead and ask me, Denis Villeneuve should have been nominated in the best director category, but I was more than happy to see Roger Deakins claim that honor in the best cinematography.
The biggest round of surprises is right there actually. In the best director category. Not since 2009, (and Kathryn Bigelow) has been a woman nominated in the Best director category, and now, almost a decade later Greta Gerwig is right there among 4 very talented men.
Jordan Peele is deservingly so also there, but for me the winner in this category will be a tie between Christopher Nolan (Dunkirk) and Paul Thomas Anderson (Phantom Thread).
Who were your biggest snubs and surprises at the Academy award nominations? Tell me more.


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Russian International Olympic University (RIOU) has celebrated the 10th anniversary. Vladimir Putin, the President of the Russian Federation and the head of the Board of Trustees of the university took part in the celebrations that were held on December 3 in Sochi. RIOU earned credibility of one of the most significant universities in sports education. The university personnel spreads state-of-the-art knowledge that are necessary in Olympic education.
University graduates are in demand in Olympic and Paralympic movement institutions, public administration, sports federations, sports marketing, the media, and also in companies producing sports goods.
RIOU has a top-notch educational campus in Sochi, while its headquarter is located in Moscow.
Sergey Repkin, the rector of the Belarusian State University of Physical Education, member of the Executive Board of the National Olympic Committee of Belarus congratulated the university on its anniversary.
During the event, the executive board of RIOU was presented the honorary badge of the NOC "For Merits in the Development of the Olympic Movement in the Republic of Belarus" and handed over a congratulatory address from Viktor Lukashenko, the First Vice President of the NOC of Belarus.
For over two years, the NOC of Belarus developed a fruitful cooperation with RIOU - a strategic research and educational center for sports industry not only in the Russian Federation, but throughout the world. More than 100 Belarusian specialists of sports were empowered with a unique opportunity to complete university programs. A clear demonstration of the close cooperation was reflected in signing the Memorandum on Cooperation between the above organizations on the opening of the II European Games in 2019 in Minsk
The university teachers provide a high level of training with the in-depth knowledge and hands-on experience creating the intellectual wealth for the global sports community and strengthen the image of the Olympic movement at the international arena, " - congratulatory speech stated.
Victor Lukashenko wished the university team continued successes and fruitful work in Olympic education.


text: On Wed, Jan 6, 2010 at 4:49 PM, Raul Bonell <email@example.com> wrote: > ... i enjoyed this, but not as much as Reyn performing it ;-) > also second rainer's opinion: put a mobius in your life! Yes, Reyn is playing so good that you almost get a feeling that the looping is holding him back. Especially when limiting the gig to working just one loop. It would have been cool with two or three loops; like a verse part, a chorus part and a solo part where he could stretch out a little more, take it down into a break and blow it up into a peak thing. But on the other hand, good showmanship means leaving the audience wanting just a little bit more and in that regard this gig is a masterpiece! Everytime Reyn leaves one instrument your reaction goes "no, no... please stay and play more" :-) Greetings from Sweden Per Boysen www.boysen.se www.perboysen.com


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The "Natural Capital Risks and Opportunities" workshop held on Oct. 26, hosted by Citi and Natural Capital Declaration (NCD), unveiled a new water-risk-analysis demonstration tool intended for use by corporations and financial institutions.
The Water Risk Valuation Tool 1.0 (WRVT) joins the ranks of several other water-risk-analysis tools developed in partnership with the nonprofit sector for use in the private sector. Despite the proclaimed utility of such tools, adoption rates by the private sector are low, suggesting the gap between environmental sustainability and financial valuation is still large.
The workshop focused on how to incorporate water risks into financial analyses. Participants from banks, credit institutions, and environmental nonprofits were in attendance to discuss opportunities for greater collaboration among the different sectors.
The emergence of these types of associations, including Ceres and the World Business Council on Sustainable Development, suggest an urgent need and desire to cross-pollinate expertise among environmentalists and financial analysts to improve risk analyses in business operations.
One of the many challenges for these types of collaborations is the lack of a common language or framework. These water-risk-demonstration tools, however, serve as important communication bridges.
The WRVT demonstration tool, developed in cooperation with Bloomberg, LP and NCD, is one of the first risk analysis tools that utilizes the financial-valuation methodologies to incorporate water-scarcity risks.
It was modeled after Bloomberg's Carbon Risk Valuation Tool released in 2013, which demonstrates five scenarios that allow conventional assets to become 'stranded assets.' Stranded assets are ones that are prematurely devalued or converted to liabilities due to climate change or other problems.
Similarly, this water-risk tool visually demonstrates the impact of water-scarcity risk on gold and copper mines by modeling the future cash flows using the commonly used discounted cash flow (DCF) methodology.
While the tool appears to bridge the divide between environmental risk and financial-valuation methodologies, it is still limited in its scope. Due to data constraints and the complexity of other industrial sectors, the tool focuses only on scenarios for the gold- and copper-mining industry.
To date, the adoption rate of the WRVT tool into risk analysis for the mining industry and financial institutions remains unclear. This lack of data is a common issue shared by many of the water-related risk-analysis tools.
One encouraging aspect of the project, however, is its coordination with and reliance on another corporate water-risk-analysis tool; the WRVT was built using data provided by World Resource's Institute's (WRI) Aquaduct.
Aquaduct is a publicly available, interactive tool that visually demonstrates water-related risks in terms of geography.
In addition to illustrating water-scarcity risks, Aquaduct includes water-quality, climate change, and freshwater-demand characteristics.
Intended for use by a range of actors, including corporations, governments, and non-governmental organizations for decision-making, Aquaduct translates global hydrological data into an interactive map that compares water-related risks globally. While the scope of the project is quite large, it still lacks the ease-of-use to directly incorporate these types of indicators into financial valuations.
It is clear that more work needs to be done in order to fully capture the true impact of water-related risks into financial decision-making. However, the WRVT demonstration project, built from the foundation of the Aquaduct, suggests that we are coming closer to bridging the gap between finance and sustainability.
Note: World Business Council on Sustainable Development is a partner of Yale Center for Business and the Environment. Donors and partners outside CBEY and CFN do not review our articles or editorial calendar, but interviewees can review their quotes and Q&As.
To comment on this article, please post in our LinkedIn group. You may also email the authors of any of the Network's articles via our contact form or contact us via Twitter.


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Who We Are
The Norfolk County Beekeepers Association (NCBA) is dedicated to apiculture and the education of the art & science of beekeeping among beekeepers, agriculture, and the general public. We are a non-profit organization founded in Walpole, Massachusetts. We invite you to visit us or attend an event. Our members are more than happy to answer any questions you may have about the organization, beekeeping, and how you may join. Our mission is to further promote the interests of our organization and our members to the community. We strive to make a difference by educating the public, expanding awareness, and promoting our club as a whole. We also welcome members from areas outside Norfolk County, and as well, those beyond Massachusetts.
When We Meet
Our monthly meetings are usually held the first Monday of the month (Except for July and August as there are no meetings during the summer). The monthly meetings are held at the Norfolk County Agricultural School, 400 Main Street, Walpole, MA 02081. The meetings are usually held in the Main Auditorium. You are invited to attend any of our meetings to see what our club is all about. If you are a visitor, please introduce yourself to one of the members running the meeting. They are usually the officers of the club.
Bee Club Meetings
Wednesday, July 15, 7:00 PM
Subject: Sustainable Beekeeping by Meghan Milbrath.


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CDBSBOT v.3 + Contour map fix
REC Networks has released CDBSBOT version 3. This is a process used internally by REC. It provides the real time updates that you see on FCCdata.org. In this change, we added new support to update the eLMS Application Lists. No engineering or other detailed information is carried over in this application.
The only new engineering applications coming through CDBS is FM STAs, all AM applications and digital notifications (all currently not supported by eLMS on an engineering level).
We made a fix to address an issue that Class B and B1 stations in the commercial band were showing with maps out to 60 dBu instead of 54 or 57 dBu. We will run a true-up overnight on all impacted stations to assure the data is correct.


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Slight discount as the feet rock a bit as a few pots warped in the kiln and small feet are slightly unbalanced. from 80 to 70.00 not that noticeable.
These new pots are perfect to start some baby plants or to use as a "catch all" for items that you want to keep safe. I made them oval so the fit comfortably on a ledge shelf or window sill. Glazed on the interior- so no drainage hole for plants.
Note: all these planter rock slightly because of a small amount of warping in the kiln It is not very noticeable on most. If I feel they are a bit more noticeably uneven I discount the item.
4.5" Tall with feet and 3.5" body height x 5.75" wide x 3.5" depth


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Visa på karta
Herrgården i Dala-Floda
- Booking number: +46 0241-226 99
- Email: firstname.lastname@example.com
- Visiting address: Idrottsvägen 2 Postal Address: 78544 Dala-Floda
Bed & Breakfast or self-catering. Stay in a beautiful home environment, magnificent scenery and rich cultural heritage.
The mansion offers beautiful home environment for both individual self-catering accommodation as for smaller groups. Breakfast is offered to those who wish. Charming living environment with its white farmhouse from the 1700s and their red timbered wings from the 1600s.
The farm is located on the hill between Västerdalälven and Flosjön. A total of 4 rooms, 11 beds. Non smoking. Open whole year around.
Faciliteter och service
- Breakfast


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3 May 2020
Too Faced Hangover Cleanser Review
Too Faced came out with the Hangover Skincare range right in time for me to finish a cleanser and *shock* I didn't have another one waiting for me to use! I decided to buy this one and try it out, the results were... interesting.
The Hangover Wash The Day Away Pure Purifying Gentle Foaming Cleanser is $38 AUD at Mecca and I was pretty happy paying that amount for skincare! I have used affordable and ridiculously priced cleansers and I have always had the best results with cleansers that are mid range in price, too "affordable" and my skin feels stripped, too expensive and I am usually underwhelmed.
On the Mecca website this is the information provided:
"Powered by a refreshing blend of lime peel, apple extracts and ginger root, this foaming cleanser draws out impurities, removes all traces of makeup and excess oil, and rebalances your complexion. The soft cloud of creamy lather cleanses skin without over stripping."
I will start by saying that the packaging is so adorable, I was really hoping to love this cleanser so I could purchase more of the range to try out because it is just so cute! I did not like the lid, though. It is one of the twist open and squeeze out of a hole type of lids.
The texture of this cleanser is a cream but sort of balmy too. It is a pale pinky white with shimmer. it is super thick and when you add water and lather it gets milky and has some bubbles. This cleanser didn't do a great job at removing makeup.
The reason that I do not like this cleanser is that not only was it not that great at removing makeup - it left a film... It left a weird residue after washing away. After a few uses I did a quick google and could see from other reviews that this was also the case for other people.
When returning the Too Faced Gentle Foaming Cleanser I was told that this one is actually not very popular with the Mecca staff, which is unsurprising!
I think skincare is a very personal preference, some people love things that others hate! I do however think that you would get similar if not better results from something half the price.
You'll Love These
Subscribe to: Post Comments (Atom)


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Discussions on the direction of AI-assisted decision-making.
Posted February 19, 2020 by Peter B. Ritz
8 Anti-Money Laundering Predictions for 2020
(8 minute read)
Perhaps no other area in financial services is poised for big change than AML and financial crime compliance. Recent regulations and directives with an eye to stopping financial crime, maturing AI/ML technologies and federated learning approaches for sharing data across the sector (and geographies) have formed the perfect storm for banks to achieve progressive, positive results in reducing money laundering, terrorism financing, fraud and other financial crimes.
With that, here are our eight AML predictions for 2020:
Prediction #1: Non-Compliance Fines will Continue to Rise Globally
Since 2015, annual non-compliance fines from AML deficiencies have steadily risen each year, with 2019 topping out at $8.14B in fines versus 2018 at $4.27B. 2020 should this trend to continue over the short term.
Despite best efforts, banks and other money-based businesses are still slightly behind in adequately detecting and reporting suspicious behavior. The sector is getting closer, but still not close enough using the legacy rules-based systems. Large investigative backlogs still exist due to large volumes of false positives – ampable hiding spots for the latest financial crime scheme to go undetected.
Prediction#2: Two Top 20 Global Banks will Receive a $250M+ fine
2019 saw one $1B fine administered to a tier one Swiss bank, so sadly the idea of a $250M for a Top 20 Bank should almost be expected in 2020. In fact, the average fine in 2019 was $145.3M – perhaps a bolder prediction would see the average fine in 2020 being $250M.
With pressures mounting on banks to improve AML performance, the EU's 5th Money Laundering Directive (5MLD) went into effect on January 10, 2020 will have a significant impact on non-compliance due to missed deadlines and new requirements.
5MLD introduces the need to oversee and detect activities involving virtual assets like cryptocurrencies and fine art, and monitoring prepaid cards as low at 150 euros and remote payment transactions of more than 50 euros. Companies not exposed to AML, CTF and other financial crime practises will need to ramp up quickly to be compliant under 5MLD.
Prediction #3: The Fastest Growing Segment of SAR will Originate from Crypto Currency
Since FinCEN's May 2019 guidance on applying the Banking Secrecy Act to Crypto-based currencies, there has been a significant increase in the number of SARS involving Crypto currency and the number of filers.
According to Kenneth Blanco, director of the FinCEN, "dozens" of new entities filed their first report", and he is encouraged by the fact that Crypto-based businesses, many of whom had never filed a SAR report prior to the May advisory guidance, are detecting and reporting suspicious activity.
Lastly, 5MLD will also fuel the growth of SARs involving Crypto currency.
Prediction #4: AI/ML Technology Finally 'Matures' for AML – Explainability Arrives
It's been eight (8) years since IBM Watson won on Jeopardy against the two best contestants in the show's history. Since then, Artificial Intelligence (AI) and Machine Learning (ML) technologies have only gotten better, just not for the AML use-case.
First-generation AI/ML approaches are really poor at the one thing regulators (and compliance leadership) care about the most: Explainability or all the factors that led to the decision by the AI/ML system.
Complex neural networks and other AI techniques make AI-based decisions very hard to validate, test and audit. The lack of explainability is a barrier first-generation AI platforms cannot overcome. Fortunately, next-generation systems like FatBrain AI already have figured out the explainability problem. Early adopters have detected more true positives without increasing false positives, thus have seen their effectiveness and efficiency KPIs explode upwards in a short period of time. 2020 will see the transition from early adopter to mainstream use for those AL / ML technologies that can explain their decisions.
Prediction #5: AML Transformation: Effectiveness-first
With explainability delivered, AML has the potential to truly transform from a legacy rules-based automation approach to that of intelligent automation. So instead of sifting through a mountain of detected false positive transactions ( Thomson Reuters reports that 95% of false positives end up as safe, but you already knew that based on first-hand experience), effectiveness-first finds more true positives without increasing false positives.
This perhaps the real potential of an effectiveness-first strategy. More time on suspicious activities uncovers criminal innovation faster, which minimizes the damage done, inside and outside the institution, sooner.
Prediction #6: Risk Transformation: The Convergence of AML, Fraud and Other Risk
Convergence is not a new concept, as the idea has been floated around since 2011. 2020 just may be the turning point, as the maturation of technology systems for AML, fraud and other transactions risks have evolved to have about a 80% functionality overlap. Plenty of redundancy and duplication that can be optimized with an integrated, coordinated approach. Undertaking an effort to streamline the infrastructure will drive the other benefits.
Whether you're involving with AML, fraud or other financial crimes, the core process is very similar:
- Confirm the identity of the customer (and associated risk profile)
- Monitor transactions for risky behavior and parties
- Respond and investigate the transactions. Stop fraudulent or illicit activities
- Report suspicious activities (when required) to regulators and authorities
In addition, the core operating processes for AML, Fraud and other financial crime are supported by similar data and internal operations. The biggest benefit of convergence may not be efficiencies gain, rather the effectiveness gained at preventing financial losses associated with financial crime.
Integrated data sources will dramatically improve risk visibility and detection capability. Insights that have the potential to self-evolve, making the overall system better and better each and every day. Risk decision making is improved with convergence and integration.
When the underlying systems merge into 'one' unified system, convergence removes duplication and unlocks efficiencies like streamlined infrastructure (hardware, software), processes simplified, and resource efficiencies.
Prediction #7: Regulators 'Enable' Innovation
Regulatory pressure to stop the flow of illicit funds for money laundering and financing terrorisms is still increasing. Over $12B in fines have been levied against global financial institutions over the last two years alone.
The good news is that regulators are also taking a different approach to compliance. With the objective to stop the financial crime that is detrimental to our society, regulators are balancing inspection with the push for collaboration and innovation. Many of us know that current rules-based approaches have hit their maturity, yet criminals continue to succeed in exploiting the global system. Sadly, more financial crime is occuring, not less.
With the drive to stop money laundering, terrorism financing and other financial crimes, regulators are stepping up efforts by enforcing reduced fines when non-compliance is of result of new approaches and innovation. The U.S. joint announcement in December 2018 signaled the regulators preference for innovation, with 2019 seeing the launch of the UK's FCA Global Financial Innovation Network.
Regulators are also taking the lead to drive collaboration, openness and change within the financial sector. Under the leadership of Nick Cook (Director of Innovation), the FCA has hosted a series of AML and Financial Crime TechSprints, a FinTech 'hackathon' designed to collaborate on innovative approaches and technologies that can fight financial crime. These events are bringing the ecosystem together and aligning actions across the sector, paving the way for a sector-based approach to AML.
Prediction #8: Progression Towards a Sector-Based Sharing Approach for AML
With regulators signaling openness towards innovation within a financial institution, 2020 should see progressive steps towards bringing the sector together as a whole to fight financial crime.
While organizations like the Wolfsberg Group have existed for years to share best practises to combat money laundering, laws (especially data privacy laws) and technologies haven't stayed current to enable this effort.
2020 should be a watershed year for technology being the catalyst to evolve the financial sector. Both federated learning technologies and privacy-enhancing technologies ("PET") have the promise to enable financial institutions to share insights within the sector without violating multi-national data privacy laws like GDPR, California's Privacy Act (CCPA), and PIPEA.
Sector-based data sharing creates the potential for meta transaction monitoring. This enables a big picture view to transaction monitoring, with each financial institution having a piece to the puzzle and share insights and typologies. With each institution having one piece to the puzzle, the sector is better positioned to detect complex money laundering schemes across geos and institutions, while allowing for sharing insights about very specific typologies, and detect specific behavior.
Not sure where your AML efforts should head next?
Validate your strategy with the latest thinking from our team of financial crime compliance executives and data scientists in a personalized and interactive 1:1 session.
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The main speakers at the event were Dan Brouillette, deputy US energy secretary; Jean-Bernard Lévy, chairman and CEO of EDF; Hiroshi Oe, Japanese ambassador to the OECD and chair of the IEA Governing Board; and Dominique Ristori, director general, energy at the European Commission.The discussion at the IEA's headquarters in Paris was informed by two recent major reports from the IEA: Nuclear Power in a Clean Energy System, and The Future of Hydrogen: Seizing Today's Opportunities.
At a time of profound change in the global energy sector, countries will require all the tools at their disposal to meet their commitments to tackling emissions and air pollution while maintaining energy security."I would like to thank our speakers for the robust and rewarding conversation," said Dr Fatih Birol, the IEA's executive director, who hosted the event. "There is no miracle technology that will solve the daunting environmental challenges the world faces. We need continued innovation across a range of technologies, including renewables, energy efficiency, batteries, carbon capture and more. The IEA sees hydrogen and nuclear power as important parts of clean energy transitions in many countries, but they need help from governments to overcome significant obstacles."
Nuclear power is by far the largest source of low-carbon electricity in both Europe and North America, but many of their plants are aging. Without effective policies to spur new investment, advanced economies could lose as much as two-thirds of their nuclear capacity in the next 20 years, threatening global climate goals and energy security.Hydrogen, which is currently enjoying unprecedented momentum, can help tackle various critical energy challenges. It offers ways to decarbonise a range of sectors where it is proving difficult to meaningfully reduce emissions, including long-haul transport, chemicals, and iron and steel. Hydrogen's ability to store and transport energy could enable renewables to make a greater contribution to the global energy system. But it has experienced false starts in the past and still faces big challenges to scale up infrastructure and bring down costs.
The meeting to discuss these important energy issues highlights the IEA's role as the world's leading energy authority and its commitment to covering all fuels and all technologies. Guests included Lithunia's minister of energy Žygimantas Vaičiūnas. Lithuania has requested to join the IEA as a member country and the accession process has begun.For the latest refining and petrochemical industry related videos, subscribe to our YouTube page.


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About us
Hand looms and natural dyes have always been a part of Indian culture. Many different processes have been developed and perfected by our forefathers throughout the course of history. Unfortunately, hand looms are a dying industry and are being replaced by mass manufactured machine made garments. We intend to bring life back into this dying industry by using dyes and fabrics that are entirely natural, made using their original techniques. Each garment has traveled around the country to give you authentic work done by artisans who are masters of their trade. Our fabrics tell the tales of not just their weaver's but of their forefathers who have passed down their knowledge through generations. Since each garment is carefully handcrafted, they are entirely unique not just in appearance but also in identity.
We believe in going back to our roots.
We don't believe that traditions are restrictive, but rather they form the base for experimentation. Mixing fabrics and techniques of dying and surface ornamentation from all over the country, makes each garment a piece of mixed cultures.
We aim to make you feel a touch of this culture each time you decide to don one of our garments.
About this collection: Summer Blooms
It was a hot and sticky summer in Kerala. The flowers blooming in beautiful shades of purple and pink adorned our garden walls. I watched my mother's hands move in fluid strokes as she recreated this beauty on her canvas. It was gorgeous, those light pinks and purples painstakingly replicated from the flowers blooming in our tiny garden. Amma (mother) often spent time painting, even during my childhood. It was not just the painting itself,but the atmosphere, the strokes, the colours, all of it exuded a certain charm and elegance that seems to have been lost with time. I had an urge to resuscitate those feelings that had been lost. The Floral collection arose from that very urge. The collection is an embodiment of those feelings on fabric. Unfortunately, they could not be hand painted even though Amma offered to do so. But, I was successful in replicating those colours on fabrics. The fabrics are reminiscent of warm summers spent in the lap of nature. You can almost imagine an artist dipping her brush in watercolours to create those clusters of flowers that adorn the pleats of the saree. The Floral collection in light pastels hues is truly a canvas draped in the form of a saree.


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Post-doctoral researcher position at the Department Cell and Chemical Biology, Leiden University Medical Center.
Project description: Chemical biological approaches to redirect TGF-b signaling
Transforming growth factor-b (TGF-b) is of key importance in development and maintenance of tissue homeostasis. Work in the Ten Dijke lab is focused on the understanding how TGF-β signaling is perturbed in cancer, and to find new ways to target this pathway for therapeutic gain.
Suitably qualified researchers are invited to apply for a post-doc position focused on the development of synthetic bioactive molecules that selectively modulate protein-protein interactions or enzymatic activities involved in TGF-b signaling. Examples of such molecules include nanobodies, macrocyclic kinase inhibitors. PROTACs (Proteolysis targeting chimeric molecules) and modulators of the ubiquitin machinery.
As a team we take a multidisciplinary approach including high throughput chemical screens, genetics, (bio)chemistry, cell biology, zebrafish/mouse models and mathematics and bioinformatics.
- The candidate should (expect to) hold a PhD in chemical - or molecular cell biology
- Expertise in biochemistry is essential
- Candidates should be highly motivated with proven research abilities and an excellent publication record
- Willingness and proven ability to work both independently and as part of a team
About the department of Cell & Chemical Biology : It is equipped with state-of-art facilities for molecular and cell biology, microscopy, chemistry, proteomics, genetics and protein chemistry.
- Zhang L. et al. TRAF4 promotes TGF-β receptor signaling and drives breast cancer metastasis. Mol Cell. 2013 51:559-72;
- Xie F et al. FAF1 phosphorylation by AKT accumulates TGF-β type II receptor and drives breast cancer metastasis. Nat Commun. 2017 Apr 26;8:15021. doi: 10.1038/ncomms15021;
- Breitkopf-Heinlein K et al. BMP-9 interferes with liver regeneration and promotes liver fibrosis. Gut. 2017 May;66(5):939-954. doi: 10.1136/gutjnl-2016-313314;
- Li Y et al. Genetic depletion and pharmacological targeting of αv integrin in breast cancer cells impairs metastasis in zebrafish and mouse xenograft models. Breast Cancer Res. 2015 Feb 25;17:28. doi: 10.1186/s13058-015-0537-8.
For further information please visit our department website: https://ccb.lumc.nl/ and Chemical Signaling lab web site: https://ccb.lumc.nl/about-the-ten-dijke-lab-34
Enquiries should be addressed to: Peter ten Dijke (firstname.lastname@example.com).
Post-doc Position in TGF-b Signaling and Chemical Biology
Molecular Cell Biology, Leiden University Medical Center, The Netherlands
A Post-Doctoral position is available to study the molecular basis of subverted TGF-b signal transduction in human diseases.
Our group is interested in unravelling mechanisms by which perturbation in signalling of TGF-β family members contribute to diseases. The present focus within our group is on the identification of novel critical regulators (in particular E3 ubiquitin ligases and DUBs) of TGF-β signaling pathways. We use mouse and zebrafish models. Our long term aim is to translate our findings towards the development of novel treatments.
Project description: Misregulation of TGF-b signalling has been implicated in many different diseases, including cancer, fibrosis and cardiovascular diseases. We have performed genetic gain and loss of function genetic and proteomic screens to identify novel druggable regulators of TGF-β pathways. In this project the mechanism of action and importance in disease of these novel regulators will be elucidated. In addition, we will harness the ubiquitin machinery (e.g. using PROTACs) to induce degradation of critical pro-oncogenic factors.
Requirements: We are searching for a highly motivated and experimentally talented scientist with drive to answer important fundamental research questions. Applicants should hold a recent Ph.D. and have a strong background in biochemistry and molecular cell biology and have previous experience in signal transduction or chemical biology. Reporting and publishing the results in high impact scientific journals and at international conferences is expected.
The employment will be for a period of 2 years with possibility for extension. Start date: as soon as possible.
Selected References:
- Zhang Z et al. . Breast cancer metastasis suppressor OTUD1 deubiquitinates SMAD7. Nat Commun. 2017 Dec 13;8(1):2116.
- Zhou F et al. USP4 inhibits SMAD4 monoubiquitination and promotes activin and BMP signaling. EMBO J. 2017 Jun 1;36(11):1623-1639.
- Zhang L. et al. TRAF4 promotes TGF-β receptor signaling and drives breast cancer metastasis. Mol Cell. 2013 51:559-72
- Zhang X et al. Fine-tuning BMP7 signalling in adipogenesis by UBE2O/E2-230K-mediated monoubiquitination of SMAD6. EMBO J. 2013 32:996-1007.
Please send a cover letter with curriculum vitae, a description of research accomplishments, and contact information of two references to: Peter ten Dijke, Chemical Signaling laboratory, Dept. Cell and Chemical Biology, Leiden University Medical Center, Postbus 9600, 2300 RC Leiden, The Netherlands; Email: email@example.com.