text:
*Turns out Montana Fishburne's porn debut will not be in two weeks via Vivid Entertainment.
CarltonJordan.com has screenshots from Laurence Fishburne's daughter in a soft-core music video for rapper Brian Pumper. See photos.
"I'm told this was the first time she met Pumper and was then convinced to into doing some more hardcore action," Jordan says on his Web site.
Montana's appearance in the video for Pumper's "Phattys Rhymes and Dimes 14″ is "being shipped to stores this week, almost TWO weeks ahead of Chippy-D's debut with Vivid," says Jordan.
See pics below.
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text: 'Breaking Dawn Part 1′ Brazil Premiere, Nov 17 Posted on 10/22/2011 by Mel · Leave a comment Translation: On November 17th, there is going to happen a Breaking Dawn Premiere in SÃO PAULO/Brazil. No cast members have already been confirmed. Source / Via Share this:Share on TumblrPrint Popular Posts & Pages ***SPOILER ALERT*** Camp X-Ray Kristen Stewart's Playlist Picks! Full Kristen Elle US Scans + Interview + Transcript! Kristen Stewart Zuhair Murad (BD2 LA Dress Designer) Mentions Kristen in Interview w/ LATimes

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|By Business Wire
Article Rating:
|June 4, 2014 09:11 AM EDT
The dream of enterprise security based on one unifying identity has faded. It has been displaced by the reality of multiple identities in the era of the connected business where the cloud, mobile computing, and APIs are helping to extend processes to customers, partners, and other groups within the organization. Now, just as organizations have turned to the enterprise service bus (ESB) to connect their disparate systems, businesses are realizing the need for an enterprise identity bus (EIB) to connect and manage their various identities based on multiple standards. Today, WSO2 addresses this demand with the launch of WSO2 Identity Server 5.0, the industry's first enterprise identity bus.
The latest release of the award-winning WSO2 Identity Server adds significant new capabilities for managing the many security standards now in use across enterprises, including:
- Identity token transformation and mediation for seamless integration between internal applications and cloud apps, such as Salesforce, Google Apps, and Microsoft Office 365.
- New user and group provisioning capabilities, which enable WSO2 Identity Server to translate and broker provisioning requests across a range of security, Web and cloud standards.
- Multi-option and multi-step authentication to provide flexibility in selecting authentication options and enable robust multi-factor authentication.
"Through the cloud, mobile, APIs, social media, and Internet of Things, enterprises are creating new connections across employees, customers and partners—and introducing a dizzying array of standards for identifying these users," said Paul Fremantle, WSO2 co-founder and CTO. "The release of our WSO2 Identity Server 5.0, the industry's first enterprise identity bus, embraces this diversity by providing a central backbone for managing user identities, regardless of the standards on which they are based."
Robust Identity Management On-premises and in the Cloud
Version 5.0 builds on the proven performance of WSO2 Identity Server 4.5, the enterprise-ready, 100% open source, lean, component-based software, which has been in production in Global 1000 enterprises since 2009.
WSO2 Identity Server enables enterprise architects and developers to improve the user's experience by reducing identity provisioning time, guaranteeing secure online interactions, and delivering a reduced single sign-on (SSO) environment. It also decreases the burden of identity management and entitlement management by including role-based access control, attribute-based access control, fine-grain policy-based access control, and SSO bridging. Featuring full native multi-tenancy, WSO2 Identity Server can run on servers, in a private cloud, public cloud or hybrid cloud environment—all from the same software.
Support for System for Cross-domain Identity Management (SCIM) for identity provisioning facilitates user management operations across software as a service (SaaS) applications. Additionally, federated identity provider (IdP) functionality allows different organizations to make shared services available—for example different universities sharing certain resources with each other's faculty or students—while enabling single sign-on simplicity for end users. Such federated IdP is particularly important for facilitating authentication across extremely large deployments associated with the cloud and platform as a service (PaaS).
"We have had great success implementing WSO2 Identity Server for user authentication as part of the solutions we're delivering based on the WSO2 Carbon middleware platform and WSO2 Private PaaS," said Kambiz Darabi, managing director at m-creations, a German IT consultancy dedicated to mobile IT. "We are excited about the new capabilities being launched with version 5.0, which address the challenges of linking together heterogeneous systems and the growing demand to integrate internal and cloud applications."
"The SSO environment implemented with WSO2 Identity Server has fully met our expectations and is enabling us to realize the goals we set out for simplifying our user identity administration," said Abdullah Al Tahhan, a senior project manager at ELM, a trusted provider of secure electronic services in Saudi Arabia. "We are quite pleased with WSO2's technology, but more than anything, when we think of future engagements, we are going to think of WSO2 because of the great support."
Introducing Enterprise Identity Bus Capabilities
WSO2 Identity Server 5.0 adds significant new functionality to facilitate identity management across multiple identity standards, devices, domains and applications—on-premises and in the cloud.
Identity token transformation and mediation – With version 5.0, WSO2 Identity Server is capable of performing transformation and mediation between any identity token, including Security Assertion Markup Language (SAML) 2.0, OAuth 1.0/2.0, OpenID, OpenID Connect, and WS-Federation (passive).
Identity token transformation and mediation enables seamless integration between an enterprise's internal applications running on servers or in a private PaaS and cloud applications, such as Salesforce, Google Apps, and Microsoft Office 365. Additionally, users can bring their own IDs to connect to enterprise systems. For example, Salesforce requires a SAML token for authentication, but a user may want to connect using OpenID. WSO2 Identity Server directs the user to any OpenID provider and translates the token to the correct SAML format for SalesForce to consume. SalesForce only needs to trust WSO2 Identity Server, which acts as a federation bus across all applications.
New user and group provisioning capabilities – WSO2 Identity Server 5.0 can be used to automatically provision users and groups of users onto various platforms. This provisioning can be explicit by pushing the user/group definition to the target system or just-in-time as the user logs in. Integrated with a federated identity provider, just-in-time provisioning enables a corresponding subject to be provisioned to its internal user store and any other provisioning system.
Through the provisioning bridge, WSO2 Identity Server 5.0 also can transform SCIM and SOAP-based provisioning requests into provisioning requests to other formats, such as Service Provisioning Markup Language (SPML) 2.0, Salesforce, Google Apps, Lightweight Directory Access Protocol (LDAP), Active Directory, and Java Database Connectivity (JDBC). In addition to these predefined connectors, which are available out of the box, the WSO2 Identity Server 5.0 runtime can work with custom provisioning connectors.
Multi-option and multi-step authentication – With WSO2 Identity Server 5.0, a service provider, irrespective of the protocol it supports, can select one or more login options that it wants to present to users, such as user name and password, Facebook, SAML or OpenID Connect. Additionally, the service provider can enforce multi-factor authentication by choosing multiple steps that align the right authenticators with the right step.
Additional New Features – WSO2 Identity Server 5.0 includes other new features to provide greater ease of use and facilitate user provisioning and management. With this latest release:
- A Web-based dashboard for end users provides an intuitive, friendly alternative to the administration console for user management tasks, such as updating the user profile, associating social logins to the profile, changing the security challenge questions, resetting the password, managing an OpenID profile, and viewing identity providers.
- Remote user store management makes it possible to manage heterogeneous user stores distributed across different data centers from a single WSO2 Identity Server node.
WSO2 Identity Server Builds on WSO2 Carbon Platform
WSO2 Identity Server is part of the modular, fully componentized OSGi-compliant WSO2 Carbon enterprise middleware platform. Like all WSO2 middleware products in the award-winning WSO2 Carbon platform, it is inherently cloud-enabled and uses proven core framework components that provide a consistent set of enterprise-class management, security, clustering, logging, statistics, tracing, and other capabilities. Additionally, it offers a graphical management console, which is integrated with other WSO2 middleware products, for configuration, management and monitoring. As a result, enterprises have unprecedented flexibility to enrich WSO2 Identity Server by adding any of the features in the WSO2 Carbon central repository, which are based on 175-plus components.
Availability and Support
WSO2 Identity Server 5.0 is available today as a software download that can run directly on servers or on top of WSO2 Private PaaS, and as a WSO2 Cloud Virtual Machine running on the Amazon Elastic Computing Cloud (EC2), Linux Kernel Virtual Machine (KVM), and VMware ESX. Additionally, customers can choose to have WSO2 host WSO2 Identity Server through the WSO2 Managed Cloud service. As a fully open source solution released under the Apache License 2.0, it does not carry any licensing fees.
WSO2 Identity Server is backed by a world-class technical team in which the experts that helped create the software provide support, leading to direct and immediate access to the people with in-depth knowledge of the middleware. WSO2 service and support options include evaluation support, a special QuickStartSM consulting program, development support, and production support.
About WSO2
WSO2 delivers on the promise of the connected business with the only completely integrated enterprise platform that enables businesses to build, integrate and manage their APIs, applications, and Web services on-premises, in the cloud, and on mobile devices. Leading enterprise customers worldwide rely on WSO2's award-winning 100% open source platform and its robust governance and DevOps functionality for their mission-critical applications. Today, these businesses represent nearly every sector: health, financial, retail, logistics, manufacturing, travel, technology, telecom and more. Visit http://wso2.com to learn more, or check out the WSO2 community on the WSO2 Blog, Twitter, LinkedIn, and Facebook.
Trademarks and registered trademarks are the properties of their respective owners.
The essence of data analysis involves setting up data pipelines that consist of several operations that are chained together – starting from data collection, data quality checks, data integration, data analysis and data visualization (including the setting up of interaction paths in that visualization). In our opinion, the challenges stem from the technology diversity at each stage of the data pipeline as well as the lack of process around the analysis.
May. 25, 2016 07:15 AM EDT Reads: 1,118
WebRTC is bringing significant change to the communications landscape that will bridge the worlds of web and telephony, making the Internet the new standard for communications. Cloud9 took the road less traveled and used WebRTC to create a downloadable enterprise-grade communications platform that is changing the communication dynamic in the financial sector. In his session at @ThingsExpo, Leo Papadopoulos, CTO of Cloud9, will discuss the importance of WebRTC and how it enables companies to fo...
May. 25, 2016 04:45 AM EDT Reads: 2,431
Designing IoT applications is complex, but deploying them in a scalable fashion is even more complex. A scalable, API first IaaS cloud is a good start, but in order to understand the various components specific to deploying IoT applications, one needs to understand the architecture of these applications and figure out how to scale these components independently. In his session at @ThingsExpo, Nara Rajagopalan is CEO of Accelerite, will discuss the fundamental architecture of IoT applications, ...
May. 25, 2016 04:45 AM EDT Reads: 841
SYS-CON Events announced today TechTarget has been named "Media Sponsor" of SYS-CON's 18th International Cloud Expo, which will take place on June 7–9, 2016, at the Javits Center in New York City, NY, and the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. TechTarget is the Web's leading destination for serious technology buyers researching and making enterprise technology decisions. Its extensive global networ...
May. 25, 2016 04:15 AM EDT Reads: 3,037
Korean Broadcasting System (KBS) will feature the upcoming 18th Cloud Expo | @ThingsExpo in a New York news documentary about the "New IT for the Future." The documentary will cover how big companies are transmitting or adopting the new IT for the future and will be filmed on the expo floor between June 7-June 9, 2016, at the Javits Center in New York City, New York. KBS has long been a leader in the development of the broadcasting culture of Korea. As the key public service broadcaster of Korea...
May. 25, 2016 04:00 AM EDT Reads: 1,701
As cloud and storage projections continue to rise, the number of organizations moving to the cloud is escalating and it is clear cloud storage is here to stay. However, is it secure? Data is the lifeblood for government entities, countries, cloud service providers and enterprises alike and losing or exposing that data can have disastrous results. There are new concepts for data storage on the horizon that will deliver secure solutions for storing and moving sensitive data around the world. ...
May. 25, 2016 04:00 AM EDT Reads: 1,065
In his session at 18th Cloud Expo, Bruce Swann, Senior Product Marketing Manager at Adobe, will discuss how the Adobe Marketing Cloud can help marketers embrace opportunities for personalized, relevant and real-time customer engagement across offline (direct mail, point of sale, call center) and digital (email, website, SMS, mobile apps, social networks, connected objects). Bruce Swann has more than 15 years of experience working with digital marketing disciplines like web analytics, social med...
May. 25, 2016 02:00 AM EDT Reads: 1,134
What a difference a year makes. Organizations aren't just talking about IoT possibilities, it is now baked into their core business strategy. With IoT, billions of devices generating data from different companies on different networks around the globe need to interact. From efficiency to better customer insights to completely new business models, IoT will turn traditional business models upside down. In the new customer-centric age, the key to success is delivering critical services and apps wit...
May. 24, 2016 11:45 PM EDT Reads: 836
With major technology companies and startups seriously embracing IoT strategies, now is the perfect time to attend @ThingsExpo 2016 in New York and Silicon Valley. Learn what is going on, contribute to the discussions, and ensure that your enterprise is as "IoT-Ready" as it can be! Internet of @ThingsExpo, taking place Nov 3-5, 2015, at the Santa Clara Convention Center in Santa Clara, CA, is co-located with 17th Cloud Expo and will feature technical sessions from a rock star conference faculty ...
May. 24, 2016 06:00 PM EDT Reads: 4,667
The 19th International Cloud Expo has announced that its Call for Papers is open. Cloud Expo, to be held November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA, brings together Cloud Computing, Big Data, Internet of Things, DevOps, Containers, Microservices and WebRTC to one location. With cloud computing driving a higher percentage of enterprise IT budgets every year, it becomes increasingly important to plant your flag in this fast-expanding business opportunity. Submit y...
May. 24, 2016 05:00 PM EDT Reads: 1,858
There are several IoTs: the Industrial Internet, Consumer Wearables, Wearables and Healthcare, Supply Chains, and the movement toward Smart Grids, Cities, Regions, and Nations. There are competing communications standards every step of the way, a bewildering array of sensors and devices, and an entire world of competing data analytics platforms. To some this appears to be chaos. In this power panel at @ThingsExpo, moderated by Conference Chair Roger Strukhoff, panelists will discuss the vast to...
May. 24, 2016 04:00 PM EDT Reads: 2,366
Internet of @ThingsExpo, taking place November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA, is co-located with the 19th International Cloud Expo and will feature technical sessions from a rock star conference faculty and the leading industry players in the world and ThingsExpo New York Call for Papers is now open.
May. 24, 2016 04:00 PM EDT Reads: 1,692
SYS-CON Events announced today that Enzu, a leading provider of cloud hosting solutions, will exhibit at SYS-CON's 18th International Cloud Expo®, which will take place on June 7-9, 2016, at the Javits Center in New York City, NY. Enzu's mission is to be the leading provider of enterprise cloud solutions worldwide. Enzu enables online businesses to use its IT infrastructure to their competitive advantage. By offering a suite of proven hosting and management services, Enzu wants companies to foc...
May. 24, 2016 02:15 PM EDT Reads: 2,092
SYS-CON Events announced today the How to Create Angular 2 Clients for the Cloud Workshop, being held June 7, 2016, in conjunction with 18th Cloud Expo | @ThingsExpo, at the Javits Center in New York, NY. Angular 2 is a complete re-write of the popular framework AngularJS. Programming in Angular 2 is greatly simplified. Now it's a component-based well-performing framework. The immersive one-day workshop led by Yakov Fain, a Java Champion and a co-founder of the IT consultancy Farata Systems and...
May. 24, 2016 02:00 PM EDT Reads: 3,867
Customer experience has become a competitive differentiator for companies, and it's imperative that brands seamlessly connect the customer journey across all platforms. With the continued explosion of IoT, join us for a look at how to build a winning digital foundation in the connected era – today and in the future. In his session at @ThingsExpo, Chris Nguyen, Group Product Marketing Manager at Adobe, will discuss how to successfully leverage mobile, rapidly deploy content, capture real-time d...
May. 24, 2016 01:45 PM EDT Reads: 1,389
IoT generates lots of temporal data. But how do you unlock its value? How do you coordinate the diverse moving parts that must come together when developing your IoT product? What are the key challenges addressed by Data as a Service? How does cloud computing underlie and connect the notions of Digital and DevOps What is the impact of the API economy? What is the business imperative for Cognitive Computing? Get all these questions and hundreds more like them answered at the 18th Cloud Expo...
May. 24, 2016 01:45 PM EDT Reads: 2,079
In his keynote at 18th Cloud Expo, Andrew Keys, Co-Founder of ConsenSys Enterprise, will provide an overview of the evolution of the Internet and the Database and the future of their combination – the Blockchain. Andrew Keys is Co-Founder of ConsenSys Enterprise. He comes to ConsenSys Enterprise with capital markets, technology and entrepreneurial experience. Previously, he worked for UBS investment bank in equities analysis. Later, he was responsible for the creation and distribution of life ...
May. 24, 2016 01:30 PM EDT Reads: 1,775
SYS-CON Events announced today that ContentMX, the marketing technology and services company with a singular mission to increase engagement and drive more conversations for enterprise, channel and SMB technology marketers, has been named "Sponsor & Exhibitor Lounge Sponsor" of SYS-CON's 18th Cloud Expo, which will take place on June 7-9, 2016, at the Javits Center in New York City, New York. "CloudExpo is a great opportunity to start a conversation with new prospects, but what happens after the...
May. 24, 2016 10:30 AM EDT Reads: 783
SYS-CON Events announced today that 24Notion has been named "Bronze Sponsor" of SYS-CON's 18th Cloud Expo, which will take place on June 7-9, 2016, at the Javits Center in New York, New York. 24Notion is full-service global creative digital marketing, technology and lifestyle agency that combines strategic ideas with customized tactical execution. With a broad understand of the art of traditional marketing, new media, communications and social influence, 24Notion uniquely understands how to con...
May. 24, 2016 09:30 AM EDT Reads: 1,691
The demand for organizations to expand their infrastructure to multiple IT environments like the cloud, on-premise, mobile, bring your own device (BYOD) and the Internet of Things (IoT) continues to grow. As this hybrid infrastructure increases, the challenge to monitor the security of these systems increases in volume and complexity. In his session at 18th Cloud Expo, Stephen Coty, Chief Security Evangelist at Alert Logic, will show how properly configured and managed security architecture can...
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text: Upcoming Events Page ContentThe Simcoe County Museum offers special events all year round. Annual special events include drop in activities during school breaks, Wheels and Tracks and Last Blast, Family Day and Christmas, Past and Present. Be sure to check the Museum's calendar page on this website often for a complete list of upcoming Museum activities.Wheels and Tracks in MotionJune 11 and 12 10 a.m. - 4 p.m. Are you ready for two days of steam, sun, and sand at the Simcoe County Museum? For weeks the Historical Construction Equipment Association of Canada has been gearing up for the annual Wheels & Tracks in Motion event June 11-12, and have packed the Museum grounds with bulldozers, cranes, graders, rock-crushers, and much more. Jump aboard our people-mover and catch all of the equipment in action or stop by one of our viewing stations to watch them up-close. You can stay for the day and purchase a delicious lunch right off the barbecue, or bring a packed lunch and relax in our shaded picnic area. Regular Museum rates apply: Museum Members and preschoolers are admitted free, adults $6, student/seniors $5, and children $4. 2016 Simcoe County Quilt, Rug and Craft Fair Call for Entry and Intent Page for the quilt portion of the fair. Merchant Application and Advertising Form 2016 Events Check out the 2016 Events Calendar for more information! For more information regarding our events please go to our Events Calendar page, e-mail firstname.lastname@example.com or phone 705-728-3721.


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1157 Gravois Rd
(636) 326-3151
(Near Sugar Creek Rd)
Driving directions
64 reviews
Special Operating Hours
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This website is owned and operated by Web Team Associates, Inc.
Copyright ©
U-Haul International, Inc. All rights reserved.
U-Haul International, Inc.'s trademarks and copyrights are used under license by Web Team Associates, Inc.
To reserve by phone, call 1-800-GO-UHAUL (1-800-468-4285)


text:
Alumni of PGIs paediatric dept come together to kickstart golden jubilee celebrations
Top Stories
- North by Northeast: What explains BJP's stunning win in Assam?
- Mann Ki Baat: Protecting water and forest is our duty, says PM Modi
- Sonia Gandhi is what keeps Congress united: Venkaiah Naidu
- IS video opens old wounds in Mumbai families
- Tavleen Singh writes: When will Congress realise its dynasty is running out of charisma?
The Advanced Pediatrics Centre at PGIMER on Friday kickstarted its golden jubilee celebrations. In a glittering function held at the institute, the alumni pediatricians from PGI who are now all over the country and abroad, gathered together to meet each other and participate in a two-day academic CME programme.
The ceremony was presided over by Prof Y K Chawla, the director of PGI. In his inaugural address, Prof Chawla stressed that the Pediatrics Department has achieved heights of excellence in clinical work, research, and postgraduate training. Paying glowing tributes to Prof B N S Walia, the founding father of the Advanced Pediatrics Centre, Chawla said that the vision and dedication of people like Walia have established a solid foundation for the centre to flourish. Chawla explained that the department that started with just one pediatrician has now grown to a large tree with 36 faculty members, 150 postgraduate students, 4 DM programmes besides the MD Programme and great heights of excellence in child health.
Prof Sunit Singhi, the current head of Pediatrics at PGI outlined the programme for the golden jubilee celebrations of the department. He said that the next two days would be a homecoming for all alumni to meet each other formally and also gain from the scientific content of the CME. He lauded the alumni for travelling long distances from all over India and also countries as far as the United States, United Kingdom; and even Africa. This alumni meet is being attended by stalwarts like Prof O N Bhakoo, who started the pediatric services in PGI way back in 1962, and developed the Neonatology Division. Dr Raj Kumar Gupta, a leading pediatrician from Chandigarh, who is from the very first batch of MD Pediatrics, was also present on the occasion.
The show-stopper at the function was Walia, whose wit and wisdom have not dimmed despite his advanced years. In his address to a packed auditorium, he said that "happiness comes from doing what you love; and success comes from loving what you do".
... contd.
Editors' Pick
- Neither BJP nor Congress have a truly national footprint today
- When will the Congress realise that its dynasty is running out of charisma?
- The reverses Congress faced in the elections can not be blamed on Rahul
- Inside Track: Missing Guru
- Assembly polls prove voter is focused on development, not dynasty or caste math
- Comrade Sitaram Yechury's historic blunder
- A weakened opposition is unlikely to force Mamata to improve governance


text:
Green Builders Weather Storms
Green homes comprised 23 percent of the overall residential construction market in 2013 and are expected to grow to between 26 percent and 33 percent of the market by 2016.
The housing slump in recent years didn't stop the green building movement, in fact, indications are that segment accelerated. According to McGraw Hill Construction research dating back to 2006, builders experienced in green remained in business at higher proportions than those not knowledgeable about energy-efficient and green home building.
The trend will continue, as green home construction over three years is expected to grow from $36 billion in 2013 to $83-$105 billion in 2016, based on the current McGraw Hill Construction forecast for total residential construction.
McGraw Hill Construction released findings from a new Green Home Builders and Remodelers Study at the recent National Association of Home Builders (NAHB) International Builders' Show.
The study shows that the top drivers to increased green home building activity include changes in codes and regulations, better quality, wider availability and affordability of green products, energy costs, and competitive advantage.
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- Capegemini, Siemens Working on Analytics Platform


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Travelling from Moscow to Hamburg advices and facts
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|By Dana Gardner
Article Rating:
|May 14, 2014 01:00 PM EDT
The next BriefingsDirect case study interview explores how American Electric Power improves their financial processes and buying operations using Ariba Dynamic Discounting.
It turns out that a real-time business-process approach to billing, ordering and settlement terms between buyers and sellers benefits both American Electric Power, one of the largest investor-owned electric utilities in the U.S., and its many vendors.
BriefingsDirect had an opportunity to uncover more about about such new, agile business services at the recent 2014 Ariba LIVE Conference in Las Vegas when we spoke to Rick Gray, Senior Treasury Specialist at American Electric Power in Columbus, Ohio, and Drew Hofler, Manage Cash Solution Marketing Director at Ariba, an SAP company. The discussion is moderated by me, Dana Gardner, Principal Analyst at Interarbor Solutions.
Here are some excerpts:
Gardner: Tell us about your organization and how you came to be using Dynamic Discounting.
Gray: American Electric Power is an electric utility, one of the largest investor-owned electric utilities in the country. We're in 11 states, and we have five million customers. We have gross revenues that were over $15 billion last year. So, we're pretty well-sized.
We started to look at our expenditure cycle, the whole purchase-to-pay (P2P) process, and had an independent consultant in to look at that and to give us some strategy on how we can improve. Part of it was to do the e-invoicing, the e-purchase order.
So we were looking at different tools and companies to provide that, and Ariba was the one that came out, and we selected them. Part of the justification for that whole project was the increase in early-payment discounts. That's what got the ball rolling.
Gardner: And to what degree are you using it?
A lot of use
Gray: Quite a bit. When we started looking into it with Managed Services help, we saw that we had over 150 different payment terms. We looked at our days payable outstanding (DPO), which is the number of days it takes to pay our suppliers.
It was shorter than the industry average, which means we were paying sooner than our peers in the industry, which caused us a little concern in that we obviously weren't being overly prudent with our cash or gave that appearance.
So part of the effort was to look at our payment terms and standardize them, and we decided to extend them a little bit to get along with the industry average.
Gardner: What's changed that makes Dynamic Discounting more relevant now across many markets and industries?
Hofler: The fundamentals around Dynamic Discounting that drive it are the buyers, their not having a lot of cash on hand. Not getting return on cash hasn't changed a whole lot in the last few years. Companies still have a lot of cash, but the Fed funds rate is still very low.
On the supplier side, one thing that has changed for them a little bit is that the actual credit crisis has thawed a little bit, but not completely. The thing that's really changed for suppliers, and it was more of a gradual change, is that they all see longer payment terms now from their buyers. In the old days, before 2008, net 30 was your base term. Now, net 45, net 60 is standard, and many suppliers are facing longer terms than that.
Dynamic Discounting offers the great relief valve for that. It allows buyers to use their cash and earn some great return on that cash, and it allows suppliers to access early payment and lower their days sales outstanding (DSO) when they want to.
Evolutionary growth
The other thing that has really fundamentally changed, and I'd say it's more of an evolutionary growth that makes Dynamic Discounting more relevant than ever, is that what makes Dynamic Discounting possible is e-invoicing and the ability to get invoices approved very rapidly, so there's an opportunity for that early payment.
E-invoicing has really grown in the accounts-payable world, both in the US as well as abroad. E-invoicing has become more standard, More and more people are coming into it. It's not a leading practice anymore. It's a best practice, but there is a long way to go.
But as those invoices get approved very quickly and suppliers have visibility into them, it becomes very natural for a supplier to raise their hand and say they would really like to get paid early, maybe to reduce DSO, maybe to increase cash flow, whatever their reasons, but the confluence of e-invoicing and that network visibility is really driving Dynamic Discounting.
Gardner: Define for us what Dynamic Discounting is, and then also tell us what the benefits are and to whom.
Dynamic Discounting simply puts the tools in the hands of the paying customer, to use their cash and earn something, and it puts the tools in the supplier hands to accelerate payment.
Hofler: Dynamic Discounting, at its very root, is an early payment on an invoice that is funded by buyer cash. What makes it dynamic is that it allows suppliers, on an automatic or an ad-hoc invoice-by-invoice basis, to essentially raise their hand on a Dynamic Discounting platform by clicking a button and say they would like to get paid early, and in their control, accelerate their payment.
Dynamic Discounting simply puts the tools in the hands of the paying customer, to use their cash and earn something, and it puts the tools in the supplier hands to accelerate payment.
I like to call it the bringing together of opportunity, visibility, and capability, where you have the opportunity created by e-invoicing and where now you have an early approved invoice.
Visibility is through a network that allows the buyer to see where they have an opportunity to pay early and a supplier to see where they have the opportunity to be paid early. Then, there's the capability on that network to click a button and make it happen, so that they have money in their account a couple of days later.
The business network
What's really fueling it is the rise of the business network.
As I said, it's the opportunity, visibility, and capability, and it's that visibility element, where now more suppliers are used to seeing their invoices on the network. They're used to seeing them approved very early, and then they can take advantage of it.
But one of the surprises that I see is in who offers a discount and who takes the discount on the supplier side. Logically, you would think it would be your smaller suppliers, with not much access to cash or not much access to credit, and in general, they do very much take it up.
The beauty of Dynamic Discounting is that you don't have to know what your supplier is going to do or why they're going to do it.
But you will also often see very large suppliers with very large invoice discounts -- I mean in the six digits sometimes -- that will do it on occasion, because they have the opportunity and the control to do it when they want to. They will do it for other reasons, such as end of quarter to reduce their DSO or as accounting window dressing to get receivables off their books.
And the beauty of Dynamic Discounting is that you don't have to know what your supplier is going to do or why they're going to do it. You offer them the opportunity, give them visibility and the capability to do it, let them make the choice, and you will often encounter some surprises like that.
Gardner: Rick, what about this notion of a business network, transparency, and having more data at your fingertips in order to benefit other processes, other financial issues in your company? Do you see this as an accelerant to the use of network information and transparency and perhaps building less risk into your overall financial situation?
Gray: Absolutely. And because we were looking at our working capital and our liquidity and extending the payment terms and consolidating them, we wanted to provide our suppliers with a tool for them to be able to then give them that relief valve that Drew was talking about. So if they did need the payment sooner, that's fine. We could give them that opportunity without losing the benefit to ourselves in the process.
Part of the effort was to look at our payment terms and standardize them, and we decided to extend them a little bit to get along with the industry average.
It became really important to get the buy-in throughout the company. We realize that some suppliers need the money sooner and that's fine, and here's the process to do that. The tool then allows the suppliers an easy way of accessing that and getting their money sooner if they need to, without reaching out to our accounts payable department or our procurement department and calling around. This was a more streamlined process for that.
Gardner: One of the things that's really interesting to me and why I think this takes off so well is that it benefits both sides. There are more information and terms available. Negotiation positions all work to their mutual benefit. Do you have any metrics of how this has benefited your organization? Do we have some opportunity to look at where the rubber hits the road? What do you get for it?
Gray: There are a couple of things. This past year, we extended our days payable outstanding by two days, which doesn't sound great. On the other hand, with $1.2 billion in average daily accounts payable, that's two days we didn't have to borrow $1.2 billion. We even had a holiday where we didn't have to borrow one day, but gradually that turned out. So we reduced our borrowing for that much.
On the other hand, we also saw increased early payment discounts that matched that business case that we talked about later. So in that regard, we've done pretty well.
Gardner: What should we look for in terms of next steps in making Dynamic Discounting even more powerful?
Continued buildup
Hofler: What comes next is a continued buildup of the transparency and visibility in a network that allows suppliers to see what's going on and allows buyers to tie that in together.
We're seeing that companies are looking at these things, not as disparate processes anymore, not just the invoicing, not just Dynamic Discounting, not just procurement, but are looking at the realization that each of those is a link in a value chain and they need to be linked together
We're seeing people going from where they've started and expanding onto a platform that allows them to grow and link these things together. You've got suppliers, for example, that may have just been PO or may have just been a contract.
We really see the tying together, not only of the desire to be paid early, but then the actual mechanics around the settling of that payment.
Now, they move them into the invoice on that. Or, it may have been invoice and just contract. More and more suppliers are finding more and more reasons to come to the same network. That increases the pool of who is there to discount.
The other thing that's tied to it, and not discount specific, is the idea that it's early payment when they raise their hand. We're now seeing this area of what we announced at LIVE in AribaPay -- not only to allow the supplier to raise their hand to receive their payment early, but to be able to be paid in such a manner when they do that, they have full visibility into everything that went into the final dollar that comes into their account, with every invoice, every line item, every PO, so that they can reconcile it easily and quickly identify discrepancies.
So we really see the tying together, not only of the desire to be paid early, but then the actual mechanics around the settling of that payment
Gardner: And for global companies that are concerned about currencies, jurisdictions, and tax issues, this can be a big deal.
Hofler: Absolutely, it can, and particularly if they have multiple invoices around payment, keeping track of the differences. You get one lump sum and it accounts for 100 invoices that might have 20 line items each. That becomes a big issue to maintain, and the more global you go, the more complex.
Networked economy
Gardner: Of course, a recurring theme at Ariba LIVE was the networked economy -- and also the fact that you are, as part of SAP, using HANA and other analytics capabilities to bring more insight across the activities of the Ariba portfolio.
I was struck when Rick mentioned that he could compare the industry standard for payable terms and therefore adjust accordingly. Are there other metrics, analysis, or even predictive value that, as an aggregator of Dynamic Discounting terms, with all privacy, security, and anonymization brought to bear, more value add when it comes to being smart about how you do this?
Hofler: I couldn't be more excited about potentially having all of the 15 years now or more of data on the Ariba Network of POs, invoices, and payment terms and early payments. All of this is brought together in such a way that we can do just that. We can take all that big data and turn it into information that'/s actionable.
There is so much there, not only from the aggregate standpoint. As you mentioned, we never, ever share which supplier we discount how much, but on an aggregate basis, what are some of the trends, what are some of the indicators that a supplier would be more willing to discount? Just on the data that I've tracked outside of HANA, not nearly as powerful as that, you'll see certain patterns, end of quarters, end of certain seasonal cycles.
It's not really that complicated. So that's not too bad. The challenge is getting the suppliers on and getting them engaged.
Having the ability to see that for a buyer or a treasurer to then make maybe more cash available for that particular time and plan for that, they can make more cash available to handle the spike in volume of discounting. There's just tremendous potential there.
Gardner: Rick, any advice for other organizations that perhaps haven't done Dynamic Discounting, but are evaluating it? Is there anything that you can offer with 20/20 hindsight that they would benefit from?
Gray: A couple of things. One, it's not that bad of an integration. There's not a whole lot of movement there. It's not really that complicated. So that's not too bad.
The challenge is getting the suppliers on and getting them engaged. We actually purchased the software right when Ariba was rolling out Managed Services, so we were sort of grandfathered in prior to that and didn't utilize the Managed Services when we implemented. We saw that our adoption rate was well below our target.
Six months or so afterward, we engaged the Managed Services, and within three or four months, we had reached the original target. So that was a big help and something I would strongly encourage. Listen to and use the partners. It's not that we're not smart enough or don't want to work hard enough to do it. It's just that we just didn't really have the time and resources.
Gardner: Would you say, Rick, that this has paved the way for a different type of relationship between you and your suppliers? Has it increased collaboration and communication in any way, maybe a stepping stone towards more transparent and even more mutually beneficial business negotiations and relationships?
Next target
Gray: Yes, and we're working on that, as far as a long-term contract is going into place. That's our next target right now with the smaller suppliers, with immediate need. Now, we're looking to make sure that that's the culture within the company. These are the payment terms and this is the tool to utilize going forward. We're sticking to our guns, saying that there are no exceptions. Everyone goes through this, and that's been beneficial.
Gardner: How does this integrate into other things? You've already mentioned AribaPay. We've talked a little bit about analytics and visibility. The whole greater than the sum of the parts is where a lot of business services and those that avail themselves of cloud models can go. Where does this integrate into next? Where is the bundle? How do we make this a value-add?
It's very helpful for folks who are looking to get some technology to help them drive business process reengineering and to improve their business processes.
Hofler: It's just a natural bundle for anything that has anything to do with P2P, Ariba Collaborative Commerce, and Ariba Collaborative Finance. If you look at it as a process, classic process, everything ends up with an invoice to be paid.
So we bundle it in when the invoice is a part of any type of business process re-engineering that a customer is doing. We point it out to them as a natural next progression when they are going there.
Rick made the point earlier that it really drives the business case too. It's very helpful for folks who are looking to get some technology to help them drive business process re-engineering and to improve their business processes.
Sometimes, efficiency isn't enough in terms of savings to get that raised to the top of the project pile. Dynamic Discounting is a great way to add significant return on investment (ROI) to that business case, so that they can get their overall project approved. We've seen that happen time and time again. So it's a great part of the bundle.
You may also be interested in:
- Ariba's roadmap points to instant, integrated and data-rich business cloud services
- Case study: How ACP simplifies and speeds its billing and payments using the new AribaPay cloud service
- Business success increasingly hinges on supply chain innovation and procurement advantages
- Workforce of the Future -- and Why Preparing Means Rethinking Human Resources Now
- Ariba announces business network analysis enhancements, first transactions conducted under AribaPay
- Spot buying automated by Ariba gives start-up KooZoo a means to shop more efficiently
- Combining big data and cloud capabilities for ecommerce matches buyers and sellers like never before
- Here's Why Healthcare Businesses Must Efficiently Manage Their Suppliers, Purchases, and Processes
- Ariba LIVE roadmap debrief: Cloud data analytics
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How the Wild West was tamed by MAIL-ORDER BRIDES: Frontiersmen tried to even up the numbers by recruiting women back home with love letters
- The U.S. Census of 1870 revealed a huge gender discrepancy between the frontier west and American South
- A map compiled from census data shows huge areas of predominantly men at America's fringe and of far more women in its Civil War torn south
This map clearly illustrates how American men flooded west for a new life on the frontier in the 19th century while leaving an abundance of women behind - a disparity that helped spawn the era of the mail-order bride.
The antique drawing from David Rumsey Map Collection, which is based on data from the 1870 U.S. Census, shows the high concentration of males that left home in their droves to the promised land of the Wild West.
With the draw of new male-centric jobs like logging, farming and, more specifically, the California Gold Rush, they left their wives back home or waited to marry.
But many, facing a dearth of ladies in their new communities, later sought to attract women back home by writing personal adverts in magazines and newspapers.
Unbalanced times: A map compiled in 1874 with data from the U.S. Census of 1870 shows the gender distribution of America that year. In shades of purple are the areas with more males than females with the darkest spots of the western frontier having some 20 percent more males. Conversely, women are in extreme abundance in the Southeast thanks to the outflow of men and costly Civil War
Notable exceptions: Part of what made wild women of the Old West so notable, in addition to their freewheeling ways, was that they were in the West at all. Most men who struck out to the frontier in the days of Western Expansion did so alone--either leaving their wives at home or waiting to marry. Today, that trend has continued in but one place in America--the state of Alaska. In the Last Frontier, men still outnumber women as much as 3 to 1
They realised they needed the fairer sex to help tame the frontier by taking control of domestic chores on the farms and at home.
Without them to help start families, there would also be no need to build schools, libraries churches or homes.
In return, the women wanted to leave the boredom of family life in search of financial security and the excitement of the unknown.
The women would respond by sending photographs of themselves and courtship would continue by letter until the future wife agreed to marry effectively a stranger.
The antique map
also shows the devastating loss of men incurred by the Southeast after
the Confederacy's costly loss, with a vast expanse of predominantly
women from Virginia down to Mississippi.
Lonesome west: Prospectors like this flocked to California in the 1850s. Other mass movements west lured man from their homes in the Southeast with the promise of the good life out west. By 1870, Westward Expansion was in full swing
Population: 38,558,371
Average population per square mile: 11.2
Number of states in the Union: 37
1 New York City, NY - 942,292
2 Philadelphia, PA - 674,022
3 Brooklyn, NY - 396,099
4 St. Louis, MO - 310,864
5 Chicago, IL - 298,977
6 Baltimore, MD - 267,354
7 Boston, MA - 250,526
8 Cincinnati, OH - 216,239
9 New Orleans, LA - 191,148
10 San Francisco, CA - 149,473
In the mid-1800s, the United States was expanding rapidly.
What is now the state of Texas was annexed in 1845, followed by the establishment of the Oregon Territory in 1846, the ceding of California, Nevada, Utah, and Arizona in 1848, and the Gadsden Purchase of what is now the southernmost tip of Arizona in 1853.
before some of these territories were acquired by the U.S. government,
men from all over the more populous eastern states—both to the south and
north—were leaving home in their thousands.
The California Gold Rush brought a mad dash of thousands of mostly young, male prospectors across the continent beginning in 1848.
And most of those men either left their wives back at home or waited to marry, which created a huge influx of mainly men in what were then the frontier states of Michigan, Wisconsin, Iowa, Kansas, Texas and beyond.
When the Civil War broke out in 1861, westward expansion was in full swing.
By the end of the bloody war in 1865, the less more sparsely populated Confederate states had lost some 500,000 men. Many southern states lost 1 in 5 of their white males of military age.
Expansion continued west nonetheless, and by 1870 the southeastern United States found itself with a major abundance of women.
Conversely, the outlying areas reference above were skewed towards men—there to pursue frontier jobs like logging, farming, and ranching.
A look at the U.S. male-to-female ratio today paints an entirely different picture.
Last Frontier: After nearly a century and a half of correction, the US is split 50/50 or skewed slightly toward female in nearly all places, with the notable exception of the entire state Alaska
While a generation of women in the
south faced the possibility of remaining single and reliant on family
for their entire lives, nature would eventually step in to ensure a more
or less equal number of females and males were born to the subsequent
And in the West, women eventually joined—or rejoined—their male partners as they slowly tamed the frontier.
Now, in most areas of America, women are equal to or slightly outnumber men.
That is, almost everywhere except the state of Alaska. Men who still romanticise the independent, self-reliant, rugged ethos of the Old West continue to flock to the Last Frontier.
They just have a hard time finding girlfriends when they get there.
Where are all the people? Another map shows the population of the United States in 1870 (excluding Native Americans and other marginalized classes). The total population in 1870 was around 38.5M. In 2012, it was 313M
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MOONBABI's Blogs
When three is a heavy number
Saturday, August 24, 2013 3 comments
It's been awhile since I posted but that doesn't mean I haven't been working towards my goals. I've been doing my first round of P90X since June 17th. I am just finishing up Week 10 of 13 weeks! ...
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Back Again
Tuesday, October 09, 2012 0 comments
Hello world! I'm back, after a long hiatus. The last time I checked into Spark People and blogged was more than *gasp* a full year ago!! I feel pretty bad about that, but instead of wallowing in that guilt, let me just take a moment to rev...
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Getting to 170 by August
Wednesday, July 27, 2011 0 comments
Talk about a huge hurdle. I don't think I have my scale dip below 170 since high school, and I won't say how many years that has been! Although I want to give my body "room" and not be too hard on myself considering I am generally staying w...
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Review of Weeks 3 through 5
Wednesday, July 27, 2011 0 comments
Again, it has been two weeks since my official blog check in. But in reviewing what has happened I am pretty pleased with my progress towards my healthy life style and my fitness goals. Goal #1: Eat Better I am making more conscious choi...
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Review of Weeks 1-2
Tuesday, July 05, 2011 0 comments
So it's been almost two weeks since my last check-in. Overall, I have been trending towards a pretty steady exercise regime (though not as intense as I should be doing) and my calories are kept in check. I can crack down on both for sure, which ...
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Embarrassing confessions but I'm still hopeful!
Tuesday, June 21, 2011 1 comments
Alriiiiiiighty then. Even though Spark People is set to my home page, apparently I haven't tracked my fitness or food for 3 1/2 weeks and haven't updated my status for 34 days. Whoops! I even have my username and log-in saved for goodness sake's...
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My new 90-day challenge
Sunday, May 01, 2011 1 comments
I'm starting a new 90-day challenge that will take me from May to the end of July. My goal is to get within a healthy BMI for my height -- 165 pounds. This means 1.5 pounds per week, 17.5 pounds total, and 10% weight loss! Please feel free to ch...
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DONE! A 45-day fitness fest
Sunday, May 01, 2011 0 comments
On March 18th, I weighed 189.2 pounds AND I started a 45-day challenge. My goals were "to do a 45-day challenge where I focus on healthy habits that I have been neglecting lately: (1) Exercising and (2) Healthy eating. My hope is that I can use ...
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Dear Future Self, If I don't want to run again, here's why i do it
Tuesday, March 22, 2011 0 comments
To my future discouraged, lethargic, self who will inevitably find any excuse not to continue to run, here are some reasons why you should keep going: ...
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Score! Reassessing the week
Monday, March 21, 2011 0 comments
This week was my work up to my 45-day challenge, which started Friday. I have several goals during this month, but mainly I am trying to keep it simple: Exercise and Eat Healthy! So how did I do this week? ...
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Eat your heart out Rachel Berry
Thursday, March 17, 2011 0 comments
So I actually think the idea behind Sweet Tomatoes is evil. Why, you ask? Well, two reasons: 1) You have to pay $10 for a salad; and 2) Once you pay $10, all you have to eat is salad! I went tonight -- not my choice -- and guess what I ate? A SA...
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a BIG reality check
Tuesday, March 15, 2011 1 comments
So I began tracking my food again on Monday, though I wasn't really thinking much about what I was eating. After logging everything this morning, I realized that I had almost two full breakfasts at the same time (cereal + english muffin) and for...
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Calories In and Calories Out
Sunday, March 13, 2011 1 comments
So I'm going back to a basic math problem: How many calories can I get away with eating and how many calories must I burn in order to keep losing weight? ...
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KISS for Feb
Friday, February 04, 2011 0 comments
Thanks to KARVY09 for the vernacular, but I want to KISS this February as well! Too many excuses have gotten me 7 pounds up from my last weigh in in November. The holidays do a number on ya don't they? So here are my Feb KISS goals: ...
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Help me get back in the saddle
Saturday, November 06, 2010 0 comments
So it's been a while since I've logged onto Spark People consistently. About full two months. And it's starting to show. Thankfully, I haven't gained a lot of weight. In fact, I'm just fluctuating between 2-3 pounds from when I stopped intensely...
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We'll be in Chicago the weekend before Christmas and would like recommendations on a good restaurant for a family with great Christmas decor - festive, fun. Would like to spend around $200 for four with maybe one bottle of wine included; french, traditional or regional cuisine, seafood is preferred. Will be in the Western Suburbs most of the time. Nothing too stuffy please!
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Chicago Restaurant with Great Christmas Decor?
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I can't recommend a restaurant,but if you are in the city,go to Butch McGuires on Division St. They always have great christmas decorations and it is a fun Pub.
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Forgot to mention that this is an anniversary - spent time at Butch's in my youth - not exactly the place for kids.
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Although I think it would be significantly less expensive than you indicated, and therefore perhaps not as "fine cuisine" as you'd like for an anniversary dinner, the Walnut Room at Marshall Field's on State has a HUGE Christmas tree and is decorated quite nicely for Christmas. I'm not sure I'd call it festive, but it is beautiful. I was there for breakfast on a Sunday and pretty much every table there had young children at it. I've eaten both lunch and breakfast there and had very tasty food, mostly traditional American.
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A colleague just mentioned Courtwrights - has anyone heard of it or been there??
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It's in the southwestern burbs--never eaten there but it is supposed to be great. Might be in Willow SPrings or Western Springs?
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cmeyer: Courtwrights is in Willow Springs and will be decorated beautifully for Christmas - the restaurant was built so that the entire back wall is windowed & overlooks a forest preserve. (If it has snowed, the views are even better.) You will spend more than $200.00 for 4 people and while the food IS good, I didn't find it exceptional. (They have an extensive wine list, also.) It may also be on the stuffy side for you, too.
I second the nomination for the Walnut Room in Marshall Fields - this is a Chicago landmark & will get you out of the suburbs and downtown, where you can check out all the decorations on State Street - then amble over to Michigan Avenue. The Walnut Room is open from 8:00 AM till store closing at 9:00 PM. No reservations are accepted - if you DO go, time it for an "off" hour.
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I vote for Marshall Field's. We were there the day after Thanksgiving along with everybody else in Chicago. Jenifer is right. The entire store is beautifully decorated. The food is good too.
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Courwrights is excellent. It is in the town of Willow Springs, right on Archer Avenue just west of the intersection of Archer and Willow Springs Road. There is also a great little Italian place across the street from it. Beautiful area with trees and some of the only hills in the Chicago area.
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Joe's Stone Crab (not Joe's Crab Shack) has good seafood, their crabcakes are excellent. Part of the name is prime steak so they have more than just seafood. It's a Lettuce Entertain you restaurant, not stuffy and you could probably get out of there for under $50 per head. It's at 60 E. Grand, not too far off of Michigan Avenue. Make reservations, it is popular.
Another idea might be to check out some of the hotel restaurants. The one at the Drake has a Charles Dickens buffet for $39.50 per person and I imagine some of the others are well decorated for the travelers. I've heard Caliterra in the Wyndham is good, Seasons at the Four Seasons is supposed to be good but they might be a little higher end than you are looking for.
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