text:
BL seperation of flow over cylinder
Can someone give the the solution/direct me to a solution ( I need a karman-pohlhausen solution, not a cfd solution) of point of seperation in a laminar steady flow over a cylinder?
I tried solving as given BLT by Schlichting (Chp.12), but I'm getting point of seperation as 90 degree, when its told that it should be 76. Can someone give me a the correct solution??
( steady flow assumption, third order approximation of velocity, U(s)=2Uinf sin(),=r )
If possible, when you are refering papers, limit them to ASME/Sciencedirect. My institute doesnt subscribe to many journals.
Laminar flow over cylinder starts to separate at 90deg. Due to upstream propagation of pressure disturbance separation point moves upstream to some extant. Boundary layer equations are parabolic in nature, upstream propagation is not possible with boundary layer equations.
err...thats not correct. Theoretical answers are varying for some reason from 104 to 76 :|. I found this paper [ classic ] on cylinders http://naca.central.cranfield.ac.uk/...report-527.pdf that gives 104 degree seperation point but in another published about 2 years later on by NACA its about 80, and in BLT text, i found it as 76 degree. Can someone verify why the results are varying?? and what is the experimental value??
Don't get confused by experimental results. Paper you given is over ellipse and not on cylinder. Try to understand the mathematical properties of BL equation. In favorable pressure gradient, boundary layer equation won't give zero shear stress. :)
:) thank you for your help. If you take the limiting case for eccentricity = 1, what you get is the cylinder solution.
For a circular cylinder, laminar flow will separate at roughly 80 deg. The laminar boundary equation solutions using a Pohlhausen type approximation and an inviscid pressure distribution give results around 108 deg. The reason for the discrepancy is that the pressure distribution is far from the inviscid profile past the separation point, and laminar flow is very susceptible to small adverse pressure gradients. Under ideal condtions, the flow may not separate until 108 deg, but in practice it will separate well ahead of 90 deg.
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Texas Department of Insurance FRAUD UNIT T E X A S. FY 2011 Annual Report. Prepared for Eleanor Kitzman, Commissioner of Insurance
- Alaina Pierce
- 2 years ago
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1 Texas Department of Insurance FRAUD UNIT STATE OF T E X A S FY 2011 Annual Report Prepared for Eleanor Kitzman, Commissioner of Insurance
2 Table of Contents Executive Summary... 1 Fraud Unit Overview... 3 Fraud Reports... 4 Referrals by Fraud Type... 6 Referrals by Fraud Scheme... 8 Amount of Fraud Referred for Prosecution Referrals and Court Actions Restitution FY 2011 Top Adjudicated Cases Legislative Recommendations... 18
3 Executive Summary Annual Report Requirement Texas Insurance Code, Section (c) (1) and (2) requires the Insurance Fraud Unit to report annually in writing to the Commissioner the number of cases completed and any recommendations for new regulatory and statutory responses to the types of fraudulent activities encountered by the Insurance Fraud Unit. FY 2011 Statistics Fraud reports received 11,124 Calls received via toll-free Insurance Fraud Hotline 4,410 Cases opened for investigation 577 Cases referred for prosecution 187 Amount of fraud identified in referred cases $23,814,341 Indictments resulting from investigations 116 Convictions from cases referred 112 Restitution assessed by courts on Fraud Unit cases $6,527,227 Subpoenas issued 553 Open records requests processed 99 Noteworthy Accomplishments In Fiscal Year 2011, the Insurance Fraud Unit: Renewed a memorandum of understanding (MOU) for an insurance fraud prosecutor and established a second MOU for an insurance fraud investigator with the Dallas County District Attorney s Office. The fraud prosecutor achieved 51 convictions for insurance fraud with $569,598 in restitution and $66,900 in fines. Hosted the 13th Annual Fraud Conference with 254 fraud investigators from state government, law enforcement, and insurance industry attending. Conducted 12 public presentations on insurance fraud. Made 713 liaison contacts with state law enforcement agencies. Participated in statewide task forces in several metropolitan areas, including Austin, Dallas, Houston, San Antonio, and McAllen. Served on the Texas Committee on Insurance Fraud, the Texas Residential Mortgage Fraud Task Force, and the Medicaid and Public Assistance Fraud Oversight Task Force. Completed attorneys and peace officers mandated training. Continued on next page Page 1
4 Executive Summary, continued Top Adjudicated Cases This report summaries ten investigations that resulted in criminal prosecutions and convictions. The fraud schemes are associated with agent fraud, mortgage fraud, health care fraud, provider fraud and disaster fraud. Legislative Recommendations There are three recommendations for legislative changes included in this report. The recommendations relate to enhancement provisions in the Texas Insurance Code, Criminal Code of Procedure, and Penal Code. Page 2
5 Fraud Unit Overview Fraud Unit Purpose and Organization Texas Insurance Code, Section (a) establishes that the purpose of the Texas Department of Insurance (TDI) Insurance Fraud Unit is to enforce laws relating to fraudulent insurance acts. The unit reviews reports of suspected fraud, initiates inquiries, and conducts investigations when TDI has reason to suspect insurance fraud has occurred or is about to occur. In addition, the unit actively seeks criminal indictments, makes arrests, and assists in prosecutions to deter insurance fraud in Texas. See Attachment A: Fraud Report and Case Flow Process. The Fraud Unit receives reports of suspected insurance fraud from insurers and the public. The unit maintains a toll-free Insurance Fraud Hotline ( ) and an online fraud reporting system on the TDI Fraud website at Investigations may occur inside or outside of Texas and typically involve one of the following types of fraud: claim fraud committed against an insurer fraud by TDI licensees against their company or the public insurance application fraud unauthorized business of insurance, including operating without proper authority or the sale of fraudulent insurance products workers compensation, premium, claim and provider fraud, and mortgage fraud committed by a person licensed by TDI. The Fraud Unit is comprised of management, fraud counsel, special prosecutor, investigators, and administrative support. Investigative positions are staffed with commissioned peace officers and civilian investigators. Under Texas Insurance Code, Section (b), the Chief Investigator supervises and directs all peace officers and coordinates and oversees all investigations conducted by the Fraud Unit. See Attachment B: Fraud Unit Organizational Chart. Page 3
6 Fraud Reports Reports Received FY FY 2011 Fraud Reports Received 12,000 11,800 11,823 11,600 11,400 11,200 11,000 10,800 11,048 11,124 10,600 FY2009 FY2010 FY2011 Analysis of Trends The increase in the number of reports in FY 2010 is attributable to fraudulent insurance acts driven by the economic downturn. The Fraud Unit continues to promote investigator and consumer outreach liaison activities to encourage insurers and the public to report insurance fraud. Method Reported FY 2011 Fraud Reports Received by Method Reported 11,124 Total Reports TDI Internal 1% TDI Online 13% 15% Fax 1% Mail 3% NAIC 4% NICB 63% NICB National Insurance Crime Bureau NAIC National Association of Insurance Commissioners Continued on next page Page 4
7 Fraud Reports, continued Fraud Report Schemes Fraud Scheme FY 2009 % 11,021 reports FY 2010 % 11,823 reports FY 2011 % 11,124 reports Adjuster Fraud Agent Fraud Arson for Profit Auto Body Shop Fraud Auto Burglary N/A Auto Theft Company Employee Fraud Company Officer Fraud Disaster Adjuster Fraud Disaster Agent Fraud Disaster Claim Fraud Escrow/Fee Attorney Faked Death False Billing False Claim Documents Fictitious Insurance Card Fictitious Insurance Certificate Identity Theft NA NA 0.28 Inflated Claim Mortgage Fraud Owner Give Up Paper Accident Policy Application Fraud Premium Fraud Provider Billing Fraud Runner/Capper Slip & Fall Soft Tissue Injury Staged Accident Theft Theft from Elderly TPA Fraud Undetermined Unlicensed Agent Unlicensed Company Viatical Water Damage - HO Working & Drawing NA NA 0.56 Data was not captured before FY 2011 Working and drawing represents workers compensation and disability claim fraud Analysis of Trends The increase in the number of theft reports in FY 2011 is attributable to an increase in reports associated with suspicious losses in homeowners claims. Page 5
8 Referrals by Fraud Type FY 2011 Referrals by Fraud Type FY 2011 Referrals for Prosecution by Fraud Type 187 Total Referrals Title/Escrow Insurance 15% Workers Compensation Insurance 4% Agents License 1% Commercial Insurance 9% Credit Life/Disability Insurance 12% Health Insurance 4% Property & Casualty 13% Homeowners Insurance 11% Motor Vehicle Insurance 24% Life/Annuity Insurance 6% Life, Accident & Health Insurance 1% FY Referrals by Fraud Type Fraud Type FY 2009% FY 2010% FY 2011% 206 Referrals 208 Referrals 186 Referrals Agents License Casualty Insurance Commercial Insurance Credit Life/Disability Insurance Health Insurance Homeowners Insurance Life, Accident & Health Insurance Life/Annuity Insurance Motor Vehicle Insurance Property & Casualty Title Insurance Unauthorized Property & Casualty Insurance Workers' Compensation Insurance Continued on next page Page 6
9 Referrals by Fraud Type, continued Analysis of Trends Three fraud types had significant variances between FY 2010 FY Motor Vehicle Insurance The number of investigations associated with motor vehicles declined this year as the Fraud Unit forwarded reports to the North Texas Auto and Burglary Theft Task Force to investigate. This allowed TDI investigators to focus on other claim fraud types. Property and Casualty Insurance Many of these referrals are associated with agent fraud, in which an agent diverted premiums for the agent s personal gain. Workers Compensation Insurance There were fewer workers compensation investigations that resulted in referrals because the evidence did not support the allegation of fraud. Page 7
10 Referrals by Fraud Scheme FY 2011 Referrals by Fraud Scheme FY 2011 Referrals for Prosecution by Fraud Scheme 187 Referrals Mortgage Fraud 7% Policy Application Fraud 2% Other* 7% Staged Accident 5% Theft 6% Water Damage 2% Agent Conversion 1% Agent Fraud 20% Auto Body Shop Fraud 3% Auto Theft 2% Inflated Claim 2% Company Officer Fraud 5% Escrow/Fee Attorney 5% False Claim Documents 33% *Other category includes schemes 1 percent or less Adjuster Fraud Arson for Profit Auto Burglary Disaster Agent Fraud Disaster Claim Fraud False Statement(s) Owner Give Up Premium Fraud Provider Billing Fraud Slip and Fall Continued on next page Page 8
11 Referrals by Fraud Scheme, continued FY Referrals by Fraud Scheme Fraud Scheme FY FY FY 2009% 2010% 2011% 206 Referrals 208 Referrals 186 Referrals Adjuster Fraud Agent Fraud Arson for Profit Auto Body Shop Theft* NA NA 3 Auto Burglary* NA NA 1 Auto Theft Company Employee Fraud Disaster Agent Fraud Disaster Claim Fraud Escrow/Fee Attorney False Claim Documents Inflated Claim* NA NA 2 License Application Misrepresentation Mortgage Fraud Owner Give Up Policy Application Fraud Premium Fraud* NA NA 1 Provider Billing Fraud Runner/Capper Slip & Fall Staged Accident Theft Unlicensed Agent Water Damage - HO * Data not captured before FY Analysis of Trends Two fraud schemes had significant variances between FY 2010 FY Agent Fraud There has been an increase in the number of cases associated with agents diverting premiums for their personal gain. False Claim Documents Investigation resources have focused on other more egregious claim fraud types, such as those involving auto body shop theft, auto burglary, and auto theft. Page 9
12 Amount of Fraud Referred for Prosecution Millions FY FY 2011 Dollar Amount of Fraud Identified in Referrals $25 $23.8 $20 $18.1 $15 $10 $8.3 $5 $0 FY2009 FY2010 FY2011 Analysis of Trends The size of an insurance fraud investigation and the dollar amount of fraud referred for prosecution may vary from one fiscal year to another. The dollar amount of fraud referred is limited to the total amount of fraud committed in conjunction with a scheme or continuing course of conduct for all persons involved in an insurance fraud case. Page 10
13 Referrals and Court Actions FY 2011 Referrals and Court Actions by County and Federal Agency County Referrals Indictments Judgments Atascosa Bee Bell Bexar Bowie Brazoria Brazos Cameron Chambers Collin Comal Cooke Dallas Dawson Denton El Paso Ellis Fort Bend Galveston Grayson Guadalupe Harris Hays Hidalgo Jefferson Johnson Kaufman Limestone Lubbock McLennan Midland Montague Montgomery Nacogdoches Nueces Parker Polk Potter Continued on next page Page 11
14 Referrals and Court Actions, continued FY 2011 Referrals and Court Actions by County and Federal Agency, continued County Referrals Indictments Judgments Randall Tarrant Travis Tyler Val Verde Webb Wichita Williamson Wilson Federal Prosecutors Fiscal Year Totals The Fraud Unit may refer cases to any one of the 254 county district attorneys offices where venue is appropriate. The Fraud Unit may also refer to one of the four U.S. Attorney offices in Texas or other federal enforcement authority. Totals include current and prior-year referrals. Continued on next page Page 12
15 Referrals and Court Actions, continued FY FY2011 Court Actions FY2009 FY2010 FY2011 Referrals Indictments Convictions Analysis of Trends The decline in referrals during fiscal year 2011 is due to fewer workers compensation cases being referred. Although there were numerous cases rigorously investigated by the Unit, many were closed because the evidence did not support the allegation of fraud or because fraud could not be proven. The Fraud Unit will more actively pursue its liaison and outreach efforts. The Fraud Unit has already scheduled three workers compensation presentations in the first quarter of fiscal year 2012 at workers compensation forums. The purpose of these presentations is to communicate the importance of timely, effective, and comprehensive detection and reporting of workers compensation fraud. Indictment and conviction data varies from year to year since those actions are directly the result of actions by prosecuting agencies. Page 13
16 Restitution FY FY 2011 Restitution Assessed by Courts Millions $8 $6 $7.40 $6.53 $4 $3.54 $2 $0 FY2009 FY2010 FY2011 Analysis of Trends Courts determine the amount of restitution in criminal insurance fraud cases, usually at the request of the prosecutor. The dollar amount of restitution will vary by year. The Fraud Unit provides prosecuting entities with data to assist the courts with appropriately assessing restitution to insurance fraud victims. Page 14
17 FY 2011 Top Adjudicated Cases Debbie Alas Debbie Alas, a formerly licensed agent, was convicted in Houston for misapplication of fiduciary property, a third-degree felony. Alas accepted insurance premiums from clients for homeowners, workers compensation, and general liability policies, but failed to remit the money to the insurance company. She instead used the money for her own personal use. Alas was sentenced to 10 years of deferred adjudication, 120 hours community service, and ordered to pay $64,744 in restitution. Dwaine Baldwin Dwaine Baldwin received 10 years of deferred adjudication in Dallas County for the first-degree felony offense of organized criminal activity. Baldwin participated in a mortgage fraud scheme in which properties were purchased from a builder at a discount then sold at an inflated price to straw buyers recruited by Baldwin. Baldwin was ordered to pay $2,227,900 restitution and fined $1,000. Sherelle Ballard Sherelle Ballard obtained multiple hospital intensive care unit indemnity policies for members of her family and submitted forged and altered itemized medical treatment statements totaling $583,239 to her insurer over a seven-month period. Ballard received $93,900 in benefits from her insurer before the scheme was discovered. Ballard was convicted in Harris County of insurance fraud, a third-degree felony, and was sentenced to 24 months probation and restitution of $88,000. Chiropractor Nicholas Joseph Cianelli Chiropractor Nicholas Joseph Cianelli offered to create fraudulent medical records for an automobile accident victim and her husband so they could be paid under her personal injury protection coverage. He accepted $2,000 to create their fraudulent claims. The accident victim reported the information to authorities who initiated an investigation. Dr. Cianelli was caught offering his fraudulent services during an undercover investigation. After confronted with the evidence by prosecutors in Fort Worth, Cianelli pleaded to the offense of insurance fraud, a state jail felony. He received five years of deferred adjudication. Continued on next page Page 15
18 FY 2011 Top Adjudicated Cases, continued Dawn Fisher Dawn Fisher, a formerly licensed agent from Garland, Texas, was convicted in Dallas County for the offense of theft, a second-degree felony. Fisher and husband, also a former agent, operated Fisher Insurance Agency. They collected premium payments from customers totaling $155,415, but instead of remitting the premium to the insurance company, they used the money for their own personal enrichment. Dawn Fisher was sentenced to 10 years of probation, 240 hours of community service, and was ordered to pay $155,415 in restitution. Her husband Peter was sentenced to 10 years of deferred adjudication for misapplication of fiduciary property and ordered to serve 240 hours of community service. Chasiti Miller Chasiti Miller, a formerly licensed agent, was convicted in Dallas County for theft, a state jail felony. Miller defrauded her employing insurance agency by submitting 109 fraudulent insurance applications to receive advanced commissions. Miller was paid $18,797 in advance commissions for the fraudulent policies. Miller was sentenced to five years of deferred adjudication, 120 hours of community service, and was ordered to pay $18,797 in restitution. Robert Reagan Robert Reagan was convicted in Tyler, Texas, for submitting forged receipts for damaged personal property and additional living expenses after his house was damaged during Hurricane Ike. Reagan received $34,357 in additional benefits from his insurer as a result of the forged receipts. Reagan pleaded guilty to insurance fraud, a third-degree felony, and was sentenced to 96 months of deferred adjudication, 120 hours of community service, ordered to pay restitution of $38,387.16, and fined $1,500. Michael Swetnam Michael Swetnam, a formerly licensed insurance agent from McGregor, Texas, was convicted in U.S. federal district court in Houston, for mail fraud. Swetnam grossly over-inflated the premiums on two liability policies he sold to the Valley Baptist Health System. He also sold Valley Baptist Health System additional coverage, allegedly issued by an off-shore British Virgin Island company that did not exist. Swetnam was sentenced to 37 months in jail, three years probation on release, and was ordered to pay $2,950,301 in restitution. Continued on next page Page 16
19 FY 2011 Top Adjudicated Cases, continued Cynthia Taylor Cynthia Taylor was employed by a medical health group. She copied legitimate medical records from patient files and then inserted her name as the patient receiving medical care. Taylor used the medical records to file 35 false claims through her own health insurance program, including three separate claims for an appendectomy. Taylor reported to the insurer that she paid for the medical treatments and was requesting reimbursement. She received $39,994 in benefits from her insurer before the scheme was discovered. Taylor was convicted in Dallas for insurance fraud, state jail felony. She was sentenced to 84 months of probation, 120 hours of community service, ordered by the court to pay $39,994 in restitution, and fined $2,500. Ali Yazdchi Ali Yazdchi, also known as Al Giovanni, masqueraded as an attorney and befriended exotic dancers in the Houston area to handle their auto accident claims. Yazdchi forged employment records and Internal Revenue Service records to get additional insurance benefits for the women. When the insurers paid the settlements, Yazdchi kept the money for himself. Yazdchi was convicted in Houston for theft and falsely holding oneself out as a lawyer, both third-degree felonies. Yazdchi was sentenced to 10 years imprisonment. Page 17
20 Legislative Recommendations Investigation of Certain Fraudulent Insurance Acts Enhance Provisions of Insurance Fraud Investigations, Texas Insurance Code BACKGROUND: Recent legislation has expanded Chapter 35, Texas Penal Code, to include application fraud and claim fraud for all lines of insurance. In the past claim fraud was limited to Section 35.02(a) of the Penal Code. Now subsections (a) (a-1) and (b) are the relevant portions of the statute for purposes of Texas Insurance Code, Section The Fraud Unit investigates fraudulent criminal acts found in the Texas Insurance Code and other sections of the Penal Code, including mortgage fraud found in Section PROBLEM: Section should be amended to delete any reference to the specific subsection of 35.02(a) of the Penal Code. Doing so does not diminish the intent of the Legislature, but rather more succinctly describes the powers of the commissioner. A fraudulent insurance act is defined in Section as an act that is a violation of a penal law and is: (A) committed or attempted while engaging in the business of insurance; (B) committed or attempted as part of or in support of an insurance transaction; or (C) part of an attempt to defraud an insurer. Thus, Section no longer requires reference to a particular criminal statute. RECOMMENDATION: Proposed Draft Changes Relating to Insurance Fraud Investigations: If the commissioner has reason to believe a person has engaged in, is engaging in, has committed, or is about to commit a fraudulent insurance act or the offense of insurance fraud under Section 35.02(a), Penal Code, the commissioner may conduct any investigation necessary inside or outside the state to: (1) determine whether the act or offense occurred; or (2) aid in enforcing laws relating to fraudulent insurance acts or insurance fraud Continued on next page Page 18
21 Legislative Recommendations, continued Penal Code Definitions Expand Insurance Fraud Definition in Texas Penal Code Expand Penal Code Insurance Fraud definition to include entities that do not fall under the traditional definition of insurer in the Texas Insurance Code but are regulated by the Texas Department of Insurance and the Labor Code. Background: The Texas Department of Insurance continues to learn of fraudulent insurance acts committed by or against self-insurers and other entities that might not fall under the Texas Insurance Code definitions of insurer or business of insurance. The Penal Code also uses an outdated Texas Insurance Code reference since Art. 102 has been recodified. Proposed Draft Changes Relating to Insurance Fraud Investigations Penal Code Definitions: (1) Insurance policy means a written instrument in which is provided provides the terms of any certificate of insurance, binder of coverage, contract of insurance, benefit plan, nonprofit hospital service plan, motor club service plan, surety bond, cash bond, or any other alternative to insurance authorized by Chapter 601, Transportation Code, the State s Financial Responsibility Act, worker s compensation self insurance as defined by the Labor Code, or other written instrument that provides the terms of self-insurance as authorized by the Texas Insurance Code. The term includes any instrument authorized to be regulated by the Texas Department of Insurance. (2) Insurer has the meaning assigned by Article 1.02, Insurance Code means any person purporting to engage in the business of insurance or authorized to do business in the state or subject to regulation by the state who undertakes to indemnify another against loss, damage, or liability arising from a contingent or unknown event. Insurer includes, but is not limited to, an insurance company; self-insurer; reinsurer; reciprocal exchange; interinsurer; risk retention group; Lloyd s insurer; fraternal benefit society; surety; medical service, dental, optometric, or any other similar health service plan; and any other legal entity engaged or purportedly engaged in the business of insurance, including any person or entity that falls within the definition of insurer in the Texas Insurance Code. Continued on next page Page 19
22 Legislative Recommendations, continued Criminal Penalty and Statute of Limitations for Unauthorized Insurance Enhance Criminal Penalty for Unauthorized Insurance, Texas Insurance Code Expand the statute of limitations for Unauthorized Insurance, Texas Criminal Code of Procedure, Chapter 12 Limitation and Venue BACKGROUND: The Texas Department of Insurance continues to learn of unauthorized insurance schemes in Texas and of claims going unpaid by those who operate these schemes. These entities market their products outside the scope of insurance regulations to people and businesses. They claim their products indemnify both property and lives in exchange for participation in their plan. The most prevalent of these schemes involves the marketing of fraudulent health plans. In these schemes, people have paid thousands of dollars in premiums only to learn that they have no coverage and mounting health care bills. PROBLEM: The current maximum penalty under Texas Insurance Code, Section for a person who commits the offense of unauthorized insurance is a third-degree felony, regardless of the amount of money fraudulently appropriated or the economic harm caused to victims of their scheme. Two of the largest unauthorized health care scams nationally enrolled more than 7,200 Texas residents, leaving hundreds of them without insurance and $712,000 in unpaid claims. The penalty for this offense should be enhanced similar to the penal code offense of theft to discourage this type of insurance fraud in Texas. Additionally, many of these activities go undetected for one to two years before an investigation is even begun. An investigation into this type of business activity requires the acquisition and analysis of business and financial records and because of its complex nature, requires an extensive amount of investigative research in order to fully understand and document the financial impact associated with this activity. The statute of limitation should be extended from three to five years. This will allow the state adequate time to thoroughly investigate unauthorized insurance fraud. RECOMMENDATION: Amend the unauthorized insurance criminal penalty within the Texas Insurance Code to align penalties for this type offense more appropriately with the Texas Penal Code theft statutes. Amend the statute of limitations for unauthorized insurance from three years to five years. Extending the statute of limitations by two years will allow for proper investigation, referral, and prosecution of unauthorized insurance fraud activity. Continued on next page Page 20
23 Legislative Recommendations, continued Criminal Penalty and Statute of Limitations for Unauthorized Insurance, continued Proposed Draft Changes Relating to Unauthorized Insurance: 1. Texas Insurance Code Criminal Penalty (a) A person, including an insurer, who intentionally or knowingly or recklessly violates Section commits an offense. (b) An offense under this section is: a felony of the third degree (1) a state jail felony if the greater of (i) the value of property, services or other benefit he wrongfully obtained, or attempted to obtain, or (ii) the segregate or aggregate economic loss suffered by any person or persons is $1,500 or more but less than $20,000; (2) a felony of the third degree if the greater of (i) the value of property, services or other benefit wrongfully obtained or attempted to obtain or (ii) the segregate or aggregate economic loss suffered by any person or persons is $20,000 or more but less than $100,000; (3) a felony of the second degree if the greater of (i) the value of property, services or other benefit wrongfully obtained or attempted to obtain or (ii) the segregate or aggregate economic loss suffered by any person or persons is $100,000 or more but less than $200,000; (4) a felony of the first degree if the value of property, services or other benefit wrongfully obtained or attempted to obtain or (ii) the segregate or aggregate economic loss suffered by any person or persons is $200,000 or more. (c) It is a defense to prosecution under this section that Section or , as applicable, by its terms does not apply to the person charged Aggregation of Amounts Involved When amounts are obtained in violation of Section pursuant to one scheme or continuing course of conduct, whether from the same or several sources, the conduct may be considered as one offense and the amounts aggregated in determining the grade of the offense. 2. Code of Criminal Procedure Chapter 12, Limitation and Venue Art (4) five years from the date of the commission of the offense under Texas Insurance Code Section Page 21
24 Attachment A: Fraud Report and Case Flow Process Intake section receives report of suspected fraud. Intake Section analyzes each report. May request additional information from complainant or other source for evaluation. Does the report meet the criteria for a criminal investigation? Yes Intake section: entered information into case management system (CMS), and notifies complainant that report was received. Transferred to investigator supervisor Reports received via: TDI Website Written submission Telephonic Electronic Submission Sources of reports of suspected fraud: Insurance carrier Consumers Law Enforcement Agencies National Insurance Crime Bureau National Healthcare Anti-Fraud Association National Association of Insurance Commissioners Other State Agencies Internal TDI No Intake section closes report in CMS. Report is further evaluated and may be forwarded for administrative action to another TDI division. Report Received Decision Notifies TDI Enforcement on all licensee cases. Correspondence sent to complainant advising of Fraud Unit decision, including notifying an internal TDI division. Action Supervisor opens case in CMS and assigns case to investigator. Investigation conducted. Investigator sends 90-day updates to complainant and TDI divisions. Can a criminal offense be proven? No Case Closed Yes Investigation report prepared and referred to prosecutor. Notification sent to: Complainant TDI Divisions Law Enforcement Agencies
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Sculptors > Anja Roemer Sculptor Profile:
|Short URL: http://artparks.co.uk/a1417
Anja RoemerSelected artist profile information for this contemporary Dutch Sculptor
View all works of art
About Anja RoemerAnja Roemer studied at the Academy of Fine Arts in Utrecht, specializing in Theatrical Design.
During the years she spent working in the theater and television industry several commissions for costumes and attributes came her way from people such as music composer Karlheinz Stockhausen for performances of some of his works.
The desire to work on a more independent basis caused her to take up sculpting in 1984, a study at the same Academy in Utrecht.
Since 1997 Roemer works as an autonomous sculptor and visual artist, focusing on themes like life cycles in nature, metaphors for the human condition and contrasts between shapes and spaces-in-between, using stone and bronze as materials mostly, sometimes combined with glass, and executing her work in elegant design and with great craftsmanship. Portraits made by her, mainly in bronze, bear a strong natural resemblance. A good example is the one of Bernard Haitink, a private commission by admirers of this Dutch music conductor of international standing.
The results of all her work are tender and light and make you forget the sometimes heavy materials used.
Exhibition History of Anja Roemer2015 Realisation garden-sculpture �Ayre�, Arnhem. Models for: �After the war�, an installation of statuaries (free-work). Work in progress: installation: �Missing Children�. Bronze �plug-in-pennies�; Being part of it.
Research for WWWCloud-project�. Subscription to exposition �Down Under�. Small-scale installation: �Art or not Art�. Subscription for DAAR-project-Palestine. Subscription and nomination for EKWC.
Subscription for MELT-minus 20, Austria. Small exhibitions at Nijkerk.
2014 Sculptures �M�ln-II�, �Equisetum� and �Radix� for sculpture-garden Ars Longa, Drempt.
3rd Working-period Sweden.
Design and nomination for a bracket honoring Maria van Pallaes, historical centre of Utrecht.
2013 Commission for garden sculpture (Ayre). Bronze portrait of director Haitink,
Artist-in-Residence period Sweden. Sculpture �M�ln-I� connected to garden design Ursem (NL). Garden design Baarn and garden design Zutphen.
Sculpture �Mist� for Community of Olofstr�m, Sweden.
2012 Design for a public Memorial for children, cemetery Kovelswade/Utrecht.
two garden designs. Tombstone-commissions.
2011 Exposition �Firma van Drie�: Gouda: installation Last Minute and live-performance
Group exposition at the town-hall Utrecht. Bronze sculpture AMA-bis.
�Monnikenwerk� photo booklet about �the making of� a monumental tombstone by Michel Marang.
2010 Group exposition at Calcata, Italy: L�Uovo dell�Angelo
2009 Exhibition at Antonius Hospital, Nieuwegein. Group exhibition Artist Association (Genootschap) Kunstliefde
Group exhibition Vormgevers Oude Hortus, Utrecht
2009-2015 Member of Ballot Committee Artist Association (genootschap) Kunstliefde
2008 Memorials and monuments.
2007 Free-lance work at Joh. Jansen Stonecutters, Utrecht; designing, drawing and executing memorials.
2007 Installation LAST MINUTE shown at Artist Association (Genootschap) Kunstliefde Utrecht (expo DRIE).
Participating organizer of the jubilee exhibition of Artist Association (genootschap) Kunstliefde, Utrecht; exhibition at the DutchDesignCentre Utrecht.
Bronze garden sculpture �Tulip�.
2006 Exhibition at Shirdak, Amsterdam and at Terra Nova, Utrecht
Participation Presentation Congress, Amersfoort
Arie-Molenkamp-Award-II, bronze.
2006-2008 Staff Member Artist Association (Genootschap) Kunstliefde, Utrecht
2005 Designs for Visione.
Sculpture �Al Inferno� showed at Goudkoorts WTC Rotterdam and at Artist Association (genootschap) Kunstliefde, Utrecht
Memorial plaquette Die Magerhorst.
Exhibition at De Hoogstraat Utrecht,
2004 4 Memorial stones at the Pyramid of Austerlitz, Amersfoort
Project �Boulders� (zwerfkeien)
2003 Bronze relief Aula crematorium, Winschoten
Bronze portrait `Principessa`
Poetry project `Er liggen woorden`, also exposed at the library Utrecht
Participation 7th exhibition Boulevard d`Unica, Utrecht
2002 Arie-Molenkamp-Award-I, bronze
Participation jubilee-exposition Galerie Wiek XX, Nieuweschans
2001 Group exhibition park Bronneger Galerie Wiek XX, Drenthe
Exposition Terra Nova, Utrecht
Sculpture �Mother and Child� (Greek marble)
Participation Utrecht Sculptors Symposium:
2 Roses and 1 Thorn (Portuguese marble)
2000 Monument Forum Hadriani, Voorburg (NL). VRO-Award, bronze
1999 Fa�ade Restoration 17th Century Hofje van Deutz, Amsterdam (Italian marble)
1998-2002 Affiliated to Memorial Gallery Ans Kroot, Breda
1998 Sundial Genk, Belgium
since 1997 Working as independent visual artist: Free work and Commissions for monuments and sculptures
1996 Public Memorial Monument Cemetery �Daelwijck� Utrecht
1991-1997 Employee at Joh. Jansen Stone Cutters, Utrecht
1984 - 1985 Foundation Studio Maskerade, Utrecht
1980-1988 Sets and costumes for theatre-and broadcasting-productions, o.a. with KarlHeinz Stockhausen, NOS/NOB
Artist Statement of Anja RoemerThe leading theme in my work, you might say, is the tension between being (there) and not being (there).
When I was busy making memorials this theme was given form by the symbolism of the fruit and seed; the-in-betweens of two lives and the tension it contains.
The more abstract objects coming forth from this image show the same tension inside itself; tension between material and absence of material, always in organic forms.
In the sculptures I recently made, developed during my Artist-in-Residency in the south of Sweden 2013, the inner space between two masses has more importance than the outer shape of the sculpture. The tension is given form by absence of material. The immaterial shows itself by the material. The critical distance between two masses shows their connection.
In consequence of this idea I now want to focus more on the meaning of connection.
The installation LAST MINUTE deals about the things men are chasing at during their lifetimes; the elusive �something�; maybe life itself. What would be LIFE itself? In the space between material forms I try to express my thoughts about that; vibrations, energy, warmth, thoughts, the urgency to connect or to disconnect, everything that is invisible and yet seen.
Since my working period in Sweden I symbolize this idea by means of THE CLOUD. Everything moving around the world, constantly integrating and disintegrating, can be seen in a cloud. Water and air are maybe the most elementary elements to life. They literally connect people (water and air run through us all) in a material (= horizontal) way but also connect people in a symbolic way; is not the cloud the most specific symbol of thoughts and dreams? Thoughts and dreams are also migrating around the world in a constant stream. There is not ONE thought or dream that is not shared with someone else. And last but not least: clouds are vertical connections between earth and sky, between material and least material, symbolizing in a vertical way the connection between the living and the dead, past present and future.
I am working on realizing this symbol of connection by executing CLOUDS around the world (WWWCLOUD-project), in different materials, in different settings.
The installation MISSING CHILDREN (also a work in progress) is about children or souls that are out of sight or �absent� (from the material). Child-size moppets are floating just a little loose from the earth, moving with every breeze of air, elusive. They symbolize not only the really missing (kidnapped, murdered, died or run away) children but also the disappeared or suppressed spirits; spontaneous life-cores that were quenched by hardship, suppression or trauma�s.
BEING PART OF IT is an extra title to pieces of work to express that it is part of a bigger story; a slice of a stem, a bone of a skeleton, a piece of a jigsaw-puzzle. We are all part of a bigger story, mostly disconnected and trying to reconnect.
May the tension between the pieces (instead of a fixed and fragile one) become more mobile and therefore a playful interspace between people world wide�.
Qualifications / Education of Anja Roemer2015-2016 C&O Training (Culture and Enterpreneurship)
2014 SCM Training (self-confrontation-method)
2012 IPD Training Garden Design, botany
2001-2007 Courses of Italian language
1996 Business-Training, Bureau Takken/
Gallery Made In Heaven
1995 Training Natural-stone, Nieuwegein
since 1990 Training in the field/autodidact: relief carving,
lettering and letter carving, memorial design,
customer care, photography, photo shop and
1990-1991 Private training by sculptors, a.o. Eddy Gheress
1990 Art School (Hogeschool BK) Utrecht, part-time-
training Sculpture/Modeling
1981 Part-time-training Carpentry and Technical
drawing, Utrecht
1981 Art School Artibus, Theatre-design
(Sets and Costumes), Utrecht
Teaching Experience1988 Giving theatre-design-workshops to Palestinians at
The El Hakawati-theatre East Jerusalem.
1986 Giving theatre-workshops to Palestinian youth at
The El Hakawati-theatre East Jerusalem
1983 Working-project in refugee-camp Amman Jordan with
Dutch volunteers and Palestinian youths
1988 Giving theatre-design-workshops to Palestinians
at The El Hakawati-theatre East Jerusalem.
Set and costume-design for a Palestinian theatre-
production �Slaves go west�.
1987-1992 Member of The Palestine Committee Utrecht and
Amsterdam, organizing debates and demonstrations.
1986 Giving theatre-workshops to Palestinian youth at
The El Hakawati-theatre East Jerusalem
1983 Working-project in refugee-camp Amman Jordan with
Dutch volunteers and Palestinian youths
Price Range of WorkAnja Roemer's work has a price range from £3,575 to £17,843
Mediums utilisedAnja Roemer's work is found in the following materials:
modelled, bronze cast Carved stone, marble bronze Carved stone, Diabas
Artwork CategorisedAnja Roemer's work is found in the following categories on site:
Organic / Abstract Sculpture (12)
Varietal cross section of Floral, Fruit and Plantlife Sculpture (9)
Seed Nut Pod Grain Mast Fruit Stone Pip Pit Cereal sculpture statue statuary Carving Casting (7)
Abstract Plants Fruits Trees Leaves Flowers Statues Sculptures (5)
Garden Or Yard / Outside and Outdoor Sculptures (4)
Tabletop Desktop Small Indoor Statuettes Figurines Sculptures (4)
Abstract Contemporary Modern Outdoor Outside Garden / Yard Sculptures Statues statuary (4)
Indoor Inside Interior Abstract Contemporary Modern Sculpture / statue / statuette / figurine (4)
Outsize Big Large Fruit Flower Plant sculpture statue statuaryGarden Ornament (4)
Symmetric Sculptures / Statues / statuettes / statuary (3)
Carved Abstract Contemporary Modern sculpture statue carving (2)
Modern Abstract Contemporary Avant Garde Sculptures or Statues or statuettes or statuary (2)
Vegetable Sculptures / Statues / statuettes (2)
Round Disk, Dish, Flat Circular Ring Shaped Sculptures / Statues statuette statuary (2)
Interior, Indoors, Inside Sculpture (2)
Carved Stone, Marble, Alabaster, Soap Stone Granite Lime stone (2)
Focal Point Abstract Contemporary Modern sculpture statue
Musician and Musical Sculptures
Busts and Heads Sculptures Statues statuettes Commissions Bespoke Custom Portrait Memorial Commemorative sculpture or statue
Small / Little Abstract Contemporary Sculptures / Statues
Commission and Custom and Bespoke sculpture Statues
Minimalist Understated Abstract Contemporary Sculpture statuary statuettes
Celebrity and Star Sculptures
Tubular Abstract Contemporary Post Modern Steel or Aluminium / Statues or Sculpture
Plant Outdoor Outside Garden or Yard sculpture statue statuette
Commemoratives and Memorials Sculptures
Famous People Sculptures Statues
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Saturday, July 12, 2014 3 p.m. to 4 p.m.
Location: Historic Dixmont Townhouse, 702 Western Ave., Dixmont, Maine
For more information: 207-234-2271; townofdixmont.org/
A Grand Opening Ceremony for Dixmont's Old Townhouse will be held on Saturday, July 12, 2014 at 3PM. The Dixmont Historical Society Committee has completed the restoration of the Old Dixmont Town House which was built around 1836. The public is invited to attend the ceremony and tour the building at 702 Western Avenue. A public Strawberry Festival meal will be served from 4 to 6 PM at the Town House as a Historical Society fundraiser.
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About the Book
2 Mommies & 2 Daddies is a short-story about an open adoption. By beginning the child's life-long-journey with an open discussion of "adoption", this book makes the subject of adoption a natural part of child-rearing.
Features & Details
- Category Children
Small Square, 7×7 in, 18×18 cm
20 Pages
- Publish Date Nov 16, 2011
- Tags Ovarian Cancer, Birth Mother, Adoptive Mother, Pray, Play, Story, Bedtime, Faith, Family, Child, Children, Adoption, Fertility, Infertility, Baby, Cancer, Mommy, Daddy, Major, Bi-Racial, Biracial, Adopted, Childs, Babies, Interracial, Pregnant, Pregnancy, Birth, Adoptive, Ovarian, Parent, Parenting, Parents, Mother, Father
About the Creator
After almost 13 years of having fertility issues, my husband and I went to the fertility clinic. What they found changed us forever - Bi-Lateral Stage III Ovarian Cancer. Our chances of having were over, and it seemed, so was my life. Early this year, we were contacted about doing an open adoption for our son, Major. It has been a truly God-Blessed pregnancy. We have been there for the very beginning. He is our miracle!
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Missmary5 Wonderful beautiful job!!! Our adoption story does not involve 2 sets of parents but this book is a must for those who do! God bless your family!


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Traveling With My Camera: New York City
440 pages
by Debbie Eynon Finley
About the Book
A book of New York City street photography from 2008 to 2010. 440 pages of color photos.
Features & Details
- Category Arts & Photography
Standard Landscape, 10×8 in, 25×20 cm
440 Pages
- Publish Date Oct 22, 2010
- Tags mermaid festival, gay pride march, Debbie Eynon Finley, New York City, Traveling With My Camera, manhattan, photography
See More
About the Creator
Debbie Eynon Finley is a multimedia journalist and artist. She earned a BA in psychology from Simmons College, and an MA in photojournalism from The University of Texas in Austin. In addition, she has taken art, photography and film courses at University of the Arts, Pratt Institute, School of Visual Arts, and International Center for Photography. She worked as a freelance cartoonist and illustrator, and later as an information technology (IT) professional. She is pursuing her lifelong passion of photography, film and art.
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A public exhibition of Mr. Robert Beatley's paintings, pencils, pastels, & oils. Mr. Beatley is the District Art Director/Instructor for the Mooreland school system in Mooreland Oklahoma.
Open to the public and admission is free.
Plains Indians and Pioneers Museum in Woodward, 2009 Williams Avenue, Woodward, OK 73801, (580) 256 6136, email@example.com, www.pipm1.org
MISSION STATEMENT: Northwestern Oklahoma State University provides quality educational and cultural opportunities to learners with diverse needs by cultivating ethical leadership and service, critical thinking and fiscal responsibility.


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June 28th, 2013
More Americans are binge-watching TV shows
With nearly 80 percent of U.S. adults with Internet access watching TV through subscription services like Netflix or Hulu, more and more people are binge-watching TV shows, viewing multiple episodes back to back. Experts say TV bingeing could be addictive. NBC's Kate Snow reports.


text: Slowdown raises questions about mortgage rules There's real fear among economists that new mortgage rules may add insult to injury, with new numbers pointing to a price and sales decline for the Canadian market in June. "Even before the new mortgage rules kicked in, all signs suggest that the Canadian housing market was already cooling," BMO economist Douglas Porter told reporters. "The new rules will simply pull hard on a closing door." But June numbers suggest that door has already been pulled tight. In total, there were some 4.4 per cent fewer homes sold last month compared to the year-ago period, according to the Canadian Real Estate Association's latest numbers. In terms of prices, the average seller of a home in June 2012 received $369,339, down 0.8 per cent from the same month in 2011. The double whammy marks an about-face for a national housing market that the federal government, among other key stakeholders, viewed as primed for a major correction if intervention wasn't initiated. That assistance came earlier this month and after Finance Minister Jim Flaherty announced four mortgage rule changes meant to slow demand. The June numbers do not reflect that intervention, and the slide raises questions about whether the changes were in fact necessary. "Homebuyers didn't rush their purchases before the most recently announced changes to mortgage regulations came into effect," CREA's chief economist Gregory Klump said. Broker associations have been among the most vocal in questioning the timing of the rule changes and, indeed, the necessity of bringing them into force. "We want the government to understand the role of self-employed, small businesses and new home buyers in the strength and stability of the economy," writes Ontario-based Syndicate Mortgages in a response to the new rules. "We are not in opposition with government but we just want to help them take a decision that proves beneficial in the long run." Leave a comment SHARE


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|Shamas jumps from barn to boutique Right up on the front counter at the Fashionably Yours consignment shop at 632 Queen St. W. sits a drool inducing patent leather Chanel bag. It is spoken for, which is just as well, given that it is priced at $1,800 a bargain for a limited edition Chanel. Monologist Sandra Shamas is not immune to the bag s charms, but is very happy with her own vintage fur muff, purchased at Courage My Love in Kensington Market. Starring, written and produced by Shamas, it is the latest of her tart, introspective observations, starting with My Boyfriend s Back and There s Gonna Be Laundry in cheap ladies ugg boots the mid 80s. The first Wit s End was motivated by her move to the country 16 years ago, to 123 acres of farmland she shares with her 10 brown chickens, all called Henny or Penny, who rule the roost over her two male cats. Wit s End III will be last of the series, dealing with farm life, menopause and love, love life, and love of life. "It is part of the journey, the intersection of age and experience," Shamas says, combing the racks for the definitive white shirt and black pants to wear on stage. An Alexander McQueen printed knit dress is on trend and only $400, but it s not her. Shamas is distracted by the shoes and boots. The Pierre Hardy fur booties (a fave of Jeanne Beker) are tasty but too vertiginous, going for $850 while retailing for $2,000. She pauses at a pair of $320 Chanel pumps; admires the impudence of the over the knee Stuart Weitzman boots seen on Kim Kardashian and stickered at $300 while retailing at $795; but is brought to her knees by a pair of studded Michael Kors clogs for $30 and the short, black cowboy boots from Cole Haan originally priced at $950 and a steal at $120. Fashionably Yours owner Janet Han is a former stylist who has worked with boldface like Beyonc and Rihanna, and pulls stock from her stylist pals. "Some of the stuff is new, some is wholesale, some are consignments from local designers. The accessories are new. I am a former accessories buyer." The price points start at $10 and can go into the thousands. "We had an Herms Birkin that went for $8,000," she says. "All bags are authenticated." Shamas hasn t shopped for awhile. "I live below my means," she explains. "I grow my own food. I have my big organic garden and I raise prize garlic. "I was totally a big ugg outlet prices city girl, but women are adaptable. I m happy to report I love country life; I am rising to the challenge. I know a lot of stuff farming; a little bit of carpentry; a little bit of electrical; baking bread, making lemon curd and preserving food. It s delicious trial and ugg australian error." Shamas is taken aback when asked what her style is. "Not to be naked is usually how I dress," she cracks. "My wardrobe ranges from barn clothes to town clothes, city clothes and formal. It goes from Kodiak boots to Louboutins. I guess you can say I am practical eclectic. "
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Alphabet Inc Is Set To Monetize AlphaGo Technology
- Alphabet's DeepMind Artificial Intelligence (AI) company announced AI-based speech generation technology WaveNet.
- WaveNet uses neural network technology related to those used in AlphaGo, DeepMind's breakthroughs Go-playing program.
- WaveNet efficiently generates realistic human voices, reducing the gap to human-level performance by over 50 percent.
A few months ago Amigobulls covered the spectacular story of Alphabet's (NASDAQ:GOOGL) AlphaGo, the first Artificial Intelligence (AI) program to beat the world's top-ranked human Go player. Before AlphaGo, beating a top ranked Go player was thought to be a remote, ten years in the future goal for AI. The AlphaGo breakthrough has been rightfully hailed as an important milestone for AI.
But one doesn't make much money playing Go. Top Go players do make very good money with prizes and sponsors in places like Japan and Korea where the game is very popular, but of course, Alphabet is after much bigger money than that. In other words, the company needs to convert its research results into commercial products.
Also Read: Artificial Intelligence And Machine Learning To Power The Alphabet Cloud
AlphaGo was developed by Google DeepMind, a British AI company founded in 2010 as DeepMind Technologies and acquired by Google in 2014. For AlphaGo, DeepMind created deep neural networks that learn how to play games in a similar fashion to humans and appear to mimic key cognitive aspects of the human brain. But advanced deep neural networks have many applications besides games, and some applications have clear commercial value.
A few days ago DeepMind announced WaveNet, a deep generative model of raw audio waveforms was able to generate speech that mimics any human voice and sounds more natural than the best existing Text-to-Speech (TTS) systems, reducing the gap with the human performance by over 50 percent.
"Allowing people to converse with machines is a long-standing dream of human-computer interaction," reads the DeepMind announcement, which notes that the ability of computers to understand natural speech has been revolutionized in the last few years by the application of deep neural networks. However, generating speech with computers is still based on old techniques where short speech fragments are recorded from a single speaker and recombined. "This makes it difficult to modify the voice (for example switching to a different speaker, or altering the emphasis or emotion of their speech) without recording a whole new database," emphasizes the announcement.
Voice recognition and generation technology powers all sorts of computer systems that interact with users by voice, from customer services switchboard systems to personal assistants on smartphones, such as Apple's (NASDAQ:AAPL) Siri, Microsoft's (NASDAQ:MSFT) Cortana, and Alphabet's own Google Now. The holy grail of voice synthesis is generating computer voices that sound and feel exactly like human voices. Samantha, the science-fictional AI assistant in the film "Her," played by the disembodied voice of Scarlett Johansson, able to sound totally human and communicate deep emotional content, is still a far goal, but the DeepMind announcement represents an important step in that direction.
Make no mistake, there's a lot of money in computer assistants that sound like people. Consumers love them, not only for their practical utility but also because many people miss emotionally satisfying interactions with other people. That people look to computers as friends is perhaps a sad symptom of existential malaise in today's society, but it's also a fact that consumer-facing businesses can't ignore.
For example, Microsoft has been testing its AI-powered chatbot technology in China with XiaoIce, a program that people can add as a friend on Chinese social networks. Now XiaoIce is a huge hit in China, millions of Chinese people chat with her every day, and some consider her as a loved friend. XiaoIce is significantly more sophisticated than current generation personal assistants and is able to conduct human-like conversations with simulated emotional content.
Xiaoice is a text chatbot, though - it doesn't have voice. Which is exactly what DeepMind's WaveNet could deliver to "computer friends," but also to personal assistants and business systems. CNBC notes that TTS synthesis is a technology that companies from Apple to Microsoft are interested in as they could be critical in making digital personal assistants such as Siri or Cortana smarter and more human-like.
The DeepMind announcement provides technical details of how WaveNet works. Basically, the system is a neural network that learns the characteristics of many different voices, male and female, based on which it models the raw waveform of the desired output audio signal, one sample at a time. DeepMind notes that training WaveNet on many speakers made it better at modeling a single speaker than training on that speaker alone, suggesting a form of transfer learning. More technical details are given in the research paper "WaveNet: A Generative Model For Raw Audio."
"For both Chinese and English, Google's current TTS systems are considered among the best worldwide, so improving on both with a single model is a major achievement," emphasizes the DeepMind announcement. "WaveNets reduce the gap between the state of the art and human-level performance by over 50% for both US English and Mandarin Chinese."
The path to commercial exploitation of WaveNet technology is clear: First, Alphabet can use its TTS technology to give an edge to its own voice interfaces over the competition. Second, the technology can be licensed to phone companies, car makers, call centers, computer game makers, and all enterprises that need voice-based interfaces. Though this is but a drop in the ocean of Alphabet's activities, it's an important one, which is good news for Alphabet investors.
Comments on this article and GOOGL stock
Those piano passages aren't regurgitated from training data, neither are they cheesy "MIDI to soundbank" conversions; they are literally what the model dreamed up from scratch, when told to sound like a piano. The mere fact it even sounds like a piano at all is already a stunning achievement, let alone the fact it even seems to have grasped some basic notions of what makes music musical.
In the future, this technology has the potential to mimic human players at an unprecedented level and perhaps even be the first AI to compose actually good-sounding music without human intervention.


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Issue Archive
Can Self-Driving Cars be Modeled for Morality?
Imagine a self-driving car making its way down a foggy road that is suddenly blocked by two separate obstacles – is one of them an object? A person? An animal? Would the autonomous vehicle make the right split-second decision on which one to spare? Can algorithms be used to make decisions in scenarios where harming human beings is possible, probable, or even unavoidable? A study from the Institute of Cognitive Science in Germany's Osnabrück University suggests that autonomous vehicles have the capability to address moral dilemmas in road traffic.
Will the smart grid become a reality?
Today's lead INSIDER story featured a new building block for the smart grid: a solid-state transformer."
The SST is a fundamental building block in the smart-grid concept," said NC State Distinguished Professor Iqbal Husain. "It can scale down voltage for use in homes and businesses, but it can also scale up voltage from solar panels or other residential-scale renewable sources in order to feed that power back into the grid."
What do you think? Will the smart grid become a reality?
'Smart' Transformer Supports Power Grid of Tomorrow
Imagine a system that handles electricity flow not just from the power company to our homes, but also back from our homes to the power company. North Carolina State University researchers say an existing technology – the solid-state transformer — could make the conceptual "smart grid" a reality.
Sound-Off: How to Simulate the Impacts of an Exoskeleton
Over the past decade, warfighters' personal loads have increased, leading to more injuries, pain, and discomfort. To relieve the burden, the military is investigating performance-enhancing exoskeletons. But how does an exoskeleton impact the soldier wearing it?
Sound-Off: How to Set Pass/Fail Thresholds for Self-Driving Vehicles
As Advanced Driver Assistance System (ADAS) technology evolves, how do you test autonomous cars that 'learn from their mistakes?'
What's New on Tech Briefs: Smart Devices, Powered by the Sun
New stories on TechBriefs.com shed light on smart windows, solar paint, and more.
Smart Windows Get Smarter (and Self-Powered)
A "smart window" from Princeton University uses a transparent solar cell to selectively absorb and harvest near-ultraviolet light. The advanced window controls the transmission of visible light and infrared heat into the building, while the new type of solar cell uses near-UV light to power the system.
Could lenses and thick cameras become obsolete?
A team at the California Institute of Technology designed a lens-less camera. "Once scaled up, this technology can make lenses and thick cameras obsolete," said graduate student and camera researcher Behrooz Abiri. What do you think? Could lenses and thick cameras become obsolete?
Sound-Off: Can Hydrogen be Stored in Carbon Nanotubes?
The fuel cell, an increasingly popular device in the automotive sector, creates a power source when coupled with hydrogen. The hydrogen can be made from natural gas or electrolysis of water and then compressed for storage. The challenge: How do you store hydrogen at low pressure?
Handheld Laser Probe Detects Cancer in Real Time
An optical probe that detects cancerous brain cells in real time is impressive enough. Scientists in Montreal say they've developed one that is "infallible."


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Genuino Australia
The team at Core Electronics are avid supporters of the Arduino brand and are proud to promote Genuino along with it's founders; Massimo Banzi, David Cuartielles, Tom Igoe and David Mellis. The Genuino brand certifies the authenticity of boards and products in line with the philosophy of "open-hardware and open-source" that has always characterized the values of Arduino.
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Come hear Megan Hunter-Kilmer, the Hobo for Christ, speak on what it means to truly love someone -- including that one guy from that one class.
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text: TJX Boosts Sales, Profits in Third Quarter Firm still holding open-to-buy for fourth-quarter in-season purchasing. By Arnold J. Karr on November 19, 2013 The TJX Cos. Inc. on Tuesday set the third-quarter bar at a high level for its fellow off-price retailers. The company reported sales and profits that were both higher than expected and checked in with higher gross and operating margins. WWD logo To Read the Full Article SUBSCRIBE NOW Already a Subscriber? Log in. Tap into our Global Network Of Industry Leaders and Designers load comments blog comments powered by Disqus


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Rap Left Off President Obama's Campaign Playlist
President Barack Obama has declared himself a fan of rappers like Jay-Z, and has garnered support from hip-hop stars such as Will.i.am. But the president's just-released list of 29 songs that will be heard at his coming campaign stops and events doesn't feature a single rap song.
The list features country music, soul and even Ricky Martin. Darius Rucker, the Hootie and the Blowfish rocker turned country star, is represented twice on the list. The pop-country duo Sugarland also got two slots. Florence and the Machine, Arcade Fire even the British indie folk act Noah and the Whale made the cut.


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Learn more about KELDHEAD BRICK COMPANY LIMITED. Check the company's details for free and view the Companies House information, company documents and list of directors.
Know about every new company document that is added!
Take advantage of our watch this company feature free of charge and have notifications sent directly to your inbox. Whenever a new document appears on this website, or if their particulars change, you will be immediately informed about such changes. To monitor these changes, all you need to do is click on watch this company.
|Tangible Fixed Assets
|£ 4,209
|Current Assets
|£ 95,281
|Tangible Fixed Assets Depreciation
|£ 75,474
|£ 13,966
|Shareholder Funds
|£ 22,844
|Profit Loss Account Reserve
|£ 22,944
|Called Up Share Capital
|£ 100
|Total Assets Less Current Liabilities
|£ 22,844
|Net Current Assets Liabilities
|£ 27,053
|Creditors Due Within One Year
|£ 122,334
|Cash Bank In Hand
|£ 4,421
|Stocks Inventory
|£ 76,894
|Share Capital Allotted Called Up Paid
|£ 100
|Number Shares Allotted
|100 Ordinary shares of 163 1 each
|Tangible Fixed Assets Cost Or Valuation
|£ 78,992
|Tangible Fixed Assets Depreciation Charged In Period
|£ 691
Information about the Private Limited Company KELDHEAD BRICK COMPANY LIMITED has been prepared for information purposes only. It is not intended to be nor does it constitute legal advice. This is public information provided by the official company register.


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