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subset: commoncrawl


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Dr. Corinne Masur
In a story about Mar a Lago, Donald Trump's Florida home, the New York Times reported that there is a nursery, the walls of which are lined with tiles depicting story book figures. Years ago, when showing visitors baby Ivanka's room, evidently Mr, Trump liked to tell them that the tiles were painted by a young Walt Disney. When he would tell the story, his long time butler would roll his eyes and after the visitors left, Mr. Trump would say to his butler, "You don't like it when I do that, do you?" and the butler, Anthony Senecal, would say, "No, I don't. Its not true" to which Mr, Trump would reply "Who cares?"
So…..the truth isn't important? OR the impression one makes is more important than the truth? There is a temptation after reading this story to think, "Well, if Donald Trump can do that sort of thing and get to be President, why can't I?" Continue reading


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Using reporting and data mining techniques to improve knowledge of subscribers; applications to customer profiling and fraud management
- Kathryn O'Brien'
- 4 years ago
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1 Using reporting and data mining techniques to improve knowledge of subscribers; applications to customer profiling and fraud management Paper Jean-Louis Amat Abstract One of the main issues of operators today is to be able not only to store and manage the huge amount of data generated by the applications and customer contact points, but also to give value to these data. But this implies using tools for storing the data, to manage it, look at it, understand it, exploit it, generate actions such as marketing campaigns. It is therefore obvious that using one tool for each of these functions will lead to a too big and unusable solution. We will discuss here the technical issues involved and show how we turned them into an easy-to-use solution for business users. Keywords data mining, customer profiling, OLAP reporting, fraud management, CRM, real-time marketing. 1. Introduction Knowing the subscribers is one of the major issues of today business. It could seem easy to do because we have to deal with a great amount of data sources recording every transaction, preference or behavior pattern. But these data are precisely too numerous and too complex. So if we want business-oriented people to be able to deal with them, it is necessary to provide not only powerful and complex processing methods, but also easy-to-use, and this is where the actual issue is [1]. The data understanding process follows a complex chain in which we have to master every step. It goes from data acquisition to learning and generating knowledge. Here are the main identified steps [2]: Data acquisition depends on the contact points with subscribers, where the actual interaction is, at any level: switches (CDR call datail records), billing, customer care, points of sales, etc. The usable knowledge should be disseminated in all these data sources and the solutions we are talking about here will have to be able to get the valuable data from any of them. Data storage: this is a quite technical issue, but very crucial. As we are dealing sometimes with millions of subscribers, over time periods ranging from a few months to a few years, important data storage means are needed. Data management: this is where the system intelligence should start, allowing users to access easily to what they want, the way they want. Marketing databases today are very often structured around a data mart, using a very convenient representation for automatic requesting. Data processing: dealing with mathematical functions able to correlate data, to discover patterns, to compute trends or to predict them. We are in the field of data analysis and statistics, but also data visualization (reporting) which is very important in the process of knowledge discovery. Data understanding: getting knowledge from data is the part for what we call data mining. It is a complex process using any of the results obtained in the preceding steps, sometimes requiring new processing, in order to understand deeply the data, to get usable and hopefully unknown knowledge. Learning: the last part of the process is the most important one and has to remember what was useful in the data/information/knowledge about the subscriber in order to feed future analysis and understanding process. It is obvious today that this part is not present in most of the existing tools but they will have to deal with this in the future. We are presenting here two solutions we built in order to apply these techniques to fraud management, and to marketing automation (customer analysis and marketing campaigns management). 2. Getting decisions from data Usable information that will give knowledge about one subscribers is contained in the data we have about his transactions and history. But it is hopeless to try to use every data available; some choices have to be made depending on the final purpose of the application. If we are interested in churn management, we will have to select relevant data to understand the reasons why people are leaving; this is one of the most complicated phenomena to analyze in this field and the solution should be completely specific. But basically, the behavioral data is very important to look at, as well as demographic and financial information about the subscribers. The profiling analysis process is very complex because whatever the data we can put in the analysis, 1
2 Jean-Louis Amat we can almost always discover patterns. But are these patterns relevant? This is the main concern one has to deal with. For the fraud analysis, it is well known that the calling patterns are often significant in this respect, so a fraud management tool will have to cope with these data, which meansanalysisofthecdr. Customer profiling and behavior analysis often rely on the same data sources, present in the telco world. The mostly used data sources are for example the billing system and the customer care. Billing: this is where the usage information is stored, as well as some personal information about the subscribers. Depending on the billing implementation, this information can be very accurate, or more general. A good recommendation would be to think of the further profiling application when designing the system. Customer care: data is stored also about customer information, interactions with the operator, and mostly short term data history. There are several ways to use the data and to provide operational results for marketing purpose or fraud analysis, depending on the users. Back office people need solutions to get quickly and easily reports about their favorite subjects, or deeper analysis of the data/information, while front office management is more concerned with managing customer interaction. This leads to separate functions: Reporting and analysis. This kind of analysis relies on quite simple tools and solutions, and is mainly based on OLAP modeling (on-line analytical processing). The users are decision makers such as general management, marketing manager, etc. We are actually in a decision support process, but where the intelligent part is completely managed by the user. The only intelligence within the system is the way data has been modeled with multidimensional representation. Nevertheless, this kind of solution is very useful to broadcast automatic reports to decision makers. Alcatel CMI (customer management intelligence) solution includes these features as a first analysis layer. Profiling and segmentation. The output here is not only information (high values, trends) but also models for prediction or classification. The goal of this layer is to provide more that information, i.e. knowledge of the subscribers. The techniques involved are therefore mainly based on artificial intelligence, and we are using decision trees to generate explicit knowledge (rules), neural networks or Bayesian techniques to model the subscribers buying patterns. Usually, the main issue with these techniques is that users need to understand what they are doing in order to get valuable knowledge; but some algorithms can be predefined with standard parameters in order to provide a global result. Alcatel solutions are in this respect among the most easy to use; CMI solution offers click and play data mining features fully integrated, while FMS (fraud management system) uses neural networks in a totally transparent way to generate alarms and help decision. Real-time decision making. This is the original part of Alcatel offer, relying on E.piphany software. The real-time platform is able, during an interaction with a subscriber, to compute a decision profile in seconds and to push an offer through the selected channel (call center, web, chat, etc), without human intervention. In this case the decision (selecting and proposing an offer) can be taken by the system itself (on a web site for example) or by an agent who can select among several propositions (call center). This intelligent layer includes an automatic real-time learning engine able to make profit of any transaction and to update itself the predictive model. The solution is a combination of rule-based system, selflearning analytics (relying on Bayesian techniques) and collaborative filtering. The Alcatel CMI solution [3] includes the three presented layers with the first and second ones working for back office people and the last one deployed in front office, facing the subscriber (through an agent on a call center, or directly on the web). The fraud management tool FMS contains also reporting and analysis facilities devoted to fraud alarms. 3. Segmentation, classification and profiling The functions we described rely on a set of techniques that are able to assist the users in their tasks [4]: Fig. 1. Segmentation is the process to find classes in the data (Fig. 1). Classes in the data. 2
3 Using reporting and data mining techniques to improve knowledge of subscribers; applications to customer profiling and fraud management Classification assumes that a segmentation already exists and tries to attach an element to an existing class or category (Fig. 2). and worst customers (the customers who buy much more than expected are probably the best), finding product lines where current year revenue is surprisingly higher than last. Clustering is a segmentation tool that can be used for customer segmentation, or finding outliers: sometimes the most useful clusters are the smallest ones. These nuggets might represent a unique niche or highly profitable (or unprofitable) customers, for example. Fig. 2. Classification. Profiling consists in describing the elements of a class (Fig. 3). Influence is a classification and regression component that is used for two main purposes: first, to find which of the input attributes have the most power to predict the target, and second, to build predictive classification and regression models. Once created, the models can be used to score lists of customers, for example based on the likelihood a customer will respond to a particular campaign. Fig. 3. Profiling. Bayes classifier allows users to use Naïve or optimal dependency tree (ODT) Bayes classifiers to create classification model, for example helping users to identify characteristics of profitable and unprofitable product lines, select new sales prospects based on the buying patterns of current customers, and perform other types of predictive analyses. The main functions to perform when trying to find knowledge about the subscribers often fall into one of these categories. Generally, the process consists in applying a segmentation process to the data and then to classify new data, or to understand the content of the classes. For the example of churn management, we can identify segments in the data representing the different cases of churn. Then we can use profiling techniques to understand each category. The CMI solution provided by Alcatel contains functions for performing segmentation or profiling, but also predictive models. We give here a short list of the main functions provided [5]: Profiles is a charting, visualization and description application that enables users to inspect and understand their data visually. Profiles can predict for example how customer segments are varying over time, how product sales vary by region, what the most common profession is for each division, etc. Basic trends provides time series trending analysis capabilities including straight line growth, constant percentage growth, or moving average trends, including extrapolations of one, two or three periods. High and low clusters is an anomaly detection method that allows to find the highest- and lowestperforming groups within an attribute or set of attributes according to some measurement. It is very helpful to answer questions such as finding the best Scoring allows users to use models built in influence, clustering, and Bayes classifier, oruseapredefined measure, to rank customers in a list and to target marketing communications where they can be most effective. For example, suppose a user was concerned about high rates of customer attrition. That user could use influence or Bayes classifier to build a model to predict which customers were most likely to defect. Then, with the scoring application, the user could generate a scored list that ranked customers based on attrition likelihood, and select only the highest risks, in order to address them a specific offer. 4. Fraud management In a normal day of activity, a telephone company has the potential of creating many hundreds of thousands or even millions of call records. Within this mass of data are calls being made by people who either are targeting the organisation with the aim of defrauding it or people potentially using the service with no intention to pay. And the only way to detect quickly these people is to monitor their usage which is contained in the data calls (CDR). The system Alcatel built for this purpose gets the CDR directly and provide decision support for fraud managers with the help of a rule-based system containing explicit knowledge, call query facilities, usage variation analysis (neural networks application) and also subscriber fingerprinting analysis to 3
4 Jean-Louis Amat help recognizing fraudsters through their calling habits [6] (Fig. 4). The FMS usage variation module is implemented as a feedforward neural network, fed by input vectors which represent values of parameters assumed by each individual subscriber in the previous 24 hours. The input elements of the vectors are weighted to produce a scalar output value that represents the status of the subscriber for the given day. Over a certain period of time, a reference output value is stored into an alarm reference file, this reference being the maximum output value assumed by the subscriber. The system is thus capable of generating an alarm whenever a subscriber has an output value that exceeds the relevant stored maximum Subscriber fingerprinting Fig. 4. Various usage of CDR. When the fraud analysis process commences, the raw call records are sent through a data interface programme for conversion into FMS CDR formats. The system calculates the call duration for each completed call record received, rates the call using an internal tariff table (if CDR are delivered unrated) and merges newly received CDR with existing CDR. When all new CDR have been processed, the system compares the activity per subscriber against triggers established in the system and generates an alarm report each time the set threshold is exceeded by any of the prescribed amounts Call query The data held within the FMS is very high volume; many million records per day can be easily managed by the system. The call query module allows simple interrogation of that data. By entering one or more search criteria, the user can mine for data. The resulting analysis itself could be many thousands of records or it could, if the search criteria were precise enough, bring back a single record Velocity checking When two calls are made from two different locations and with a time difference greater than the minimum time required to travel from one to the other location, this optional FMS feature is able to identify and display the relevant CDR Usage variation Fraud is often detected in its earliest forms by the change in usage of a subscriber. Very little fraud of any substance can be undertaken without usage accelerating on a subscriber s account. The usage variation module of the FMS can assist the user to detect major changes in usage very quickly. This optional functionality has been introduced in order to address the issue of subscription fraud. In this type of fraud, individuals would subscribe with a telecom operator under false identification. Bills, possibly after a first quiet period of normal behaviour, are eventually not paid. After disconnection, they again register using different identification. A possible solution to this problem lies with the assumption that the fraudster should have a specific pattern, like a signature, which is defined by some of the numbers called. These numbers could be the majority of his/her calls, or just a few calls, but with a certain degree of uniqueness, which might permit to identify the fraudster. Fingerprints (identifying patterns), stored in an internal database, made of sequences of called numbers from specified accounts are matched against new account traffic. 5. Customer analysis Using raw data such as CDR with some explicit knowledge can help to perform powerful fraud management. But for marketing purposes, it is needed to analyze more sophisticated data, running from billing information to clickstream analysis over a web site. In order to get these data and to understand them, the CMI solution is able to store it into a data mart and to provide a fully integrated interface to activate together reporting, data mining, and active marketing campaign management. For example, suppose a marketing user is concerned about high rates of churn. That user could use influence to build a model using historical data to predict which customers were most likely to defect to a competitor. Then, with the scoring application, the user could generate a scored list that ranked customers based on how likely each were to defect. Finally, the user could import that scored list into the campaign manager module to direct a special marketing incentive at the most likely victims of attrition. Within CMI solution, every described operation is performed with the same tool, giving the facilities to switch from OLAP to data mining, then to campaign management, and back to OLAP if needed (Fig. 5). For performing churn analysis, for example, the basic idea is to detect in a first time the people that has churned in the 4
5 Using reporting and data mining techniques to improve knowledge of subscribers; applications to customer profiling and fraud management 6. Conclusion Using a combination of the functions described, we are able to propose a fully integrated and operational solution. The decision support part is also integrated with marketing automation and CRM (customer relationship management). This allows to get a unique view of the subscribers, through any interaction channel (Fig. 7). Fig. 5. The process of generating list of clievts for marketing compaign. past, within a specific time range (to be defined). Regarding this, the system helps to extract a list of churners from the customer database, which will be used to feed the learning functions. The data mining tools can then be applied on this population, in order to assess two models. The first model computed is a scoring model. The model will compute from existing/known churners a way to assign a score to each subscriber, which will depend on selected attributes. Once established, this scoring model will be applied on active subscribers and will therefore assess a propensity to churn. Sorting the list of subscribers with this specific measure will give the most probable churners. It will then be possible to activate a specific retention campaign in order to keep these subscribers. The second model is a segmentation model. In fact, it might be interesting, before acting on the global list of potential churners, to detect the most profitable ones, and to estimate the global revenue regarding the cost of the campaign. The segmentation model will provide a profiling of the churn population, which will have to be interpreted by the analysts (Fig. 6). Fig. 7. Integrated solution. Dealing with complex and heterogeneous data sources is an actual issue in order to perform tasks such as fraud analysis or customer profiling in order to activate marketing campaign. Alcatel solutions we presented are able to provide already developed interfaces to the standard data sources, and integrated functions for powerful analysis to support decision for fraud detection, customer data management and analysis, and customer relationship management [7]. References [1] A. Berson, S. Smith, and K. Threaling, Building Data Mining Applications for CRM. McGraw Hill, [2] J. L. Amat and G. Yahiaoui, Advanced techniques for information processing: neural networks, fuzzy logic, genetic algorithms, Cepadues Eds., 1995 (in French). [3] Alcatel, Customer management intelligence solution, [4] J. L. Amat, Applying customer profiling and segmentation methods, in IIR Sem. Customer Profiling & Segmentation for Telcos, London, July [5] E.piphany, E.4 Datamining overview, [6] Alcatel, Alma FMS: fraud management system, 1999, [7] J. L. Amat, Latest CRM and ecrm trends for telcos, in IIR Sem. ecrm, London, Feb Fig. 6. Segmentation model. Jean-Louis Amat Network Applications Division Alacatel 1, rue Ampere Massy cedex, France 5
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Here are four vehicle albums done at the Nellis Air Show – they are Guardian Angel Air-deployable Rescue Vehicle (A/S32U-45) and Polaris MRZR used by the Air Force Rescue units, 9K33 Osa (SA-8 Gecko) from the Air Force Aggressor unit and a M916 Tractor Truck from a private collector.
Tag: softskins
New Softskins
Here are four new softskin albums, two from the now defunct MVTF – M123A1C and MAV (Gaz-46), and two from Saumur – Laffley V15T and ACMA TAP, SPG Vespa.
Military Vehicles from Belarus
Continuing the efforts to post walkarounds from the archives, here are last four albums from various museums in Belarus that were taken about 10 years ago. The walkarounds are of JS-2M, BAT-2 Combat Engineer Vehicle, KMT-7 Mine Roller and P-18 Radar.
Last of the Aquino Tank Weekend
Here are the last five albums from the Aquino Tank Weekend 2017. They are M60A3, V-100 Commando, Canadian QF 25pdr Mark II Field Gun and Trailer Artillery No.27 Mark I/L for it, as well as Canadian Service Bicycle Mark IV.
Yet another post from Dayton
Almost done with photos from Dayton, here are four new ones – "Naked" North American F-86H Sabre, DFS SG 38 Schulgleiter, General Atomics YMQ-9 Reaper and Avro Canada VZ-9AV Avrocar
Softskins from South Carolina
Here are four albums from the South Carolina Military Museum. They are M38A1C Jeep with M40 106mm Recoilless Rifle, M274A5 Mule, LARC V and Hotchkiss Portable Light Machine Gun Mk.1.
Last of the MVCC Camp Delta
Here are the last of the long long running set of the photos from the MVCC Camp Delta photos. They are M35A3 truck, M274A2 Mule with 106mm M40A2 Recoilless Rifle, Dodge WC-52 and Dodge WC12 truck from Fort MacArthur in San Pedro, CA.
New softskins
Here are four new softskin albums taken at various VMCC Camp Delta events. They are 1942 Chevrolet Truck, M151A2 MUTT, Ford GPW and US 155mm M114A2 Howitzer on M1A1 Carriage.
Hollister Air Show 2014
Here are four albums from the Hollister Air Show 2014 – North American P-51D-20-NA Mustang, North American AT-6F Texan, New Standard D-25 and M2 Light Tractor.
Softskins from Aquino Tank Weekend 2017
Restarting our regular updates here are four different softsking from Aquino Tank Weekend 2017 in Oshawa, ON, Canada. They are Ford CMP Radio Cab, M931 Tractor with M129A2C Trailer, 1941 Chevrolet Special Deluxe 4-door Sedan and Triumph T.R.W, 1955 motorcycle.
New Softskins
Here are four new softskin vehicle walkarounds – GMC CCKW-352 photographed at Fort MacArthur in San Pedro, CA, as well as three vehicles photographed at the MVCC Camp Delta annual events – Steyr-Daimler-Puch Pinzgauer 712, M422A1 Mighty Mite and Dodge WC14.
This and that from Miramar
Here are four different subjects from the MCAS Miramar 2015 Air Show. They are M50 Ontos tank destroyer, Seaark Dauntless 34 patrol boat, US Navy Seal Combat Boat and Oshkosh AMK25A1 Truck.
Around the world – Softskins
Here is another from out "Around the world" series of posts, this one is with softskins from four different countries. From Israel we have a Shilem Radar, photographed in Batey ha-Osef Museum in Tel Aviv, from Belarus we bring you a PTS-M Tracked Amphibious Transporter from "Stalin Line" Museum near Minsk, from France, comes a WWI GMC Ambulance from Musee des Blindes in Saumur and from USA here is a Corbitt Model 50SD6 truck from Military Museum of Southern New England in Danbury, CT.
Captured Soviet Equipment from Israeli Museums
Here are four albums featuring the captured soviet equipment photographed in various Israeli museums. They are Tiran 4 and BTR-50PK from Latrun Armor Museum, as well as Su-100 and KP-48 Field Kitchen from Batey ha-Osef Museum.
Last of the Seabee museum
Here are the last four albums from the Seabee Museum – Cougar 4×4 MRAP, M1043 Up-Armored HMMWV, US Navy Mark V Diving Suit and Al Kadesih Sniper Rifle.
Seabee Museum
Here are four albums from the U.S. Navy Seabee Museum located in Port Hueneme, CA – M151A2 MUTT, Willis MB Jeep, TD-9 International Harvester Tractor and Japanese 7.7mm Type 92 Machine Gun.
Softskins from around the world
Here are four different softskin albums from four different countries. From Musee des Blindes in Saumur, France we've added the Hanomag ST-100, from MVCC Camp Delta 2012 in California we have the LRDG Jeep, from Batey ha-Osef Museum in Tel-Aviv, Israel comes the M4 High Speed Tractor and finally from "Stalin Line" Museum in Zaslavl', Belarus comes MKD-2M Pit Digging Machine.
Continuing to clean up the archives, posted four softskin albums taken at the MVCC Camp Delta in 2012. They are M52 Truck, Chevrolet 1941 Special Deluxe Staff Car, Dodge WC16 and a 1953 US Army GOAT Scooter.
Continuing to dig through the archives of the un-posted stuff here are four albums done a number of years ago at MVCC Camp Delta. The albums are – M35 with M105 bed, Dodge WC19, GMC Canada 1942 India Pattern LRDG Truck and M55 .50 caliber Quad-mount.
Military Vehicles from Israeli Museums
Posted four different vehicles from Israeli museums – PzKpfw IVG, PT-76, M52 and AT-L light artillery prime-mover.


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When we heard that Little Mix would be dueting with Tulisa and Jessie J on their debut album, we got very excited. However, it seems that the collaborations are just rumours *sobs*
We spoke to Little Mix exclusively and they told us that they don't have any current plans to record with their former X Factor mentor Tulisa or Do it Like a Dude singer Jessie J.
Jade Thirlwall told us: "We haven't heard about hat. We're just working with all different writers at the minute and trying to work out what's best. It'd be lovely to think that they could be on our album but we're just focusing on us as a band."
It seems that the girls love just being in the recording studio at the moment. "it's so exciting knowing you're doing something that you love," Perrie told us. "We're really excited for people to hear what kind of sound we have and what the album's going to be like. We don't want to rush anything and put anything half-hearted out there."
Rumoured duets aside though, have the girls stayed in touch with Tulisa? "We saw her just before Christmas, we went for a meal with her and then she went away on holiday but we'll see her again soon, whenever we get a break really."
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Aerospace historian, author and pilot Ted Spitzmiller remembers Apollo 10, a "dress rehearsal" for the first Moon landing, on its 50th anniversary. The mission also paid tribute to the wildly popular Peanuts comic strip by naming the command module "Charlie Brown" and the lunar module "Snoopy." Ted will sign copies of his book The History of Human Space Flight following the presentation.
FREE with Museum admission.
To honor our newest exhibition, Destination Moon: The Apollo 11 Mission, we're proud to introduce a new program series to complement the stories behind the artifacts, people, and places that made the Moon landing possible.
To The Moon! program series will feature a wide-ranging selection of scientists, space experts, historians, authors, pilots, and more, who will speak about lunar exploration, past, present, and future.


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Black Mirror are set to release another interactive episode
Another news by Netflix followed this, and the digital streaming giant confirmed that a promotional YouTube Series would be launched in three parts pretty soon. Sherlock star Andrew Scott will feature in the first episode Smithereens as a taxi driver who finds himself at the centre of the news everyday.
Japan Agrees to Buy 105 US F-35 Fighter Jets
Earlier in May, North Korean military forces test-fired several rockets and missiles, including several guided missiles. President Trump's official visit also included golf with Abe, presenting a trophy he created to a sumo wrestling champion and a black-tie banquet at the palace - as well as hours of one-on-one time for President Trump and Abe, who has been trying to remain on President Trump's good side despite disagreements, including over trade.
Warriors' Kevin Durant back to practice, but no court work yet
For the Raptors to do what many think is impossible, however, and beat the Golden State Warriors in the NBA Finals, they'll need Green to return to his old self. Why wouldn't you, man? Toronto will be hoping that a new opponent and a new series will allow Green to get back to what he spent all season doing for the Raptors: making shots.
Bollywood veteran Veeru Devgan, father of Ajay Devgn, passes away in Mumbai
The funeral will be held here at the Vile Parle West Crematorium on Monday evening. Shah Rukh also arrived to pay the last respect. He has also directed and acted in a few movies. Heartfelt condolences to @ajaydevgn & @KajolAtUN May his soul rest in peace . He had also directed the 1999 film " Hindustan Ki Kasam ", starring Ajay and megastar Amitabh Bachchan.
Disney Drops Speechless Music Video From the Aladdin Soundtrack
Aladdin , which is directed by Guy Ritchie , is Disney's latest trip to India's box office. Of course, Corden needed some heavy celebrity firepower and enlisted the help of the movie's stars, Mena Massoud ( Aladdin ), Naomi Scott (Princess Jasmine), and Will Smith ( the Genie ), who shows up just in time to replace a very irate Corden as the wish-granting djinn and relegate the host to playing Aladdin's monkey pal, Abu.
Article image Samsung brings Mona Lisa 'to life' with deepfake AI
As the team proves, its model even works on the Mona Lisa, and other single-photo still portraits. The results are indeed mesmerizing, as you'll see in the video at the end of this post. The system makes use of a convolution neural network , a type of neural network based on biological processes in the animal visual cortex. The number of images taken can also add to the realism of the movement.


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Payment may be made online via kudzuartzone.org or
by check: make check out to Kudzu Art Zone, Inc. and mail to
Kudzu Art Zone, Inc.
P O Box 572
Norcross, GA 30091 .
Please note the workshop name, your mailing address, phone and email address.
Payment & Cancellation Policy
Kudzu Art Zone, Inc. reserves the right to cancel any event with 48 hour notice. In the event Kudzu Art Zone cancels an event, fees paid will be refunded in full.
Policy for regular recurring classes: If a participant cancels, he or she will receive a full refund if Kudzu Art Zone, Inc. receives written notice of the cancellation at least seven (7) days prior to the beginning of the event. Note: Some events may have a special cancellation policy that will be stated in the registration materials.
Policy for Signature Workshops: Registration is based on availability and first come / first serve basis. A $100.00 deposit is required to reserve a space for the special workshops and is non-refundable if you cancel 60 days or less prior to the workshop. We are aware of last minute changes and emergencies, however there is NO refund or transfer for any reason after the 60 day period. We recommend you purchase cancellation insurance to avoid this problem.
This policy is necessary due to early commitments and expense by Kudzu to provide you these workshops. We have to pay for the workshop, air fair and per daily expenses whether you show up or not. Most special workshops are booked by Kudzu a year or more in advance.
Payment of deposit is due are registration to hold your place.
The balance of 1/3 is due 90 days out 1/3 60 days out and the balance 30 days prior to he workshop.
Cancellations for all workshops must be in writing and received by the Kudzu Art Zone, Inc before the two week cut-off date for the workshop. Emails are not accepted. Cancellations for Year-round Classes and Workshops are accepted up to 7-14 days before the first day of class for a 15% fee. There are no refunds after the cut-off date.
Refund Policy
There are absolutely no refunds after workshop cut-off date for any reason. Kudzu Art Zone is not responsible for providing make-ups or issuing refunds, credits or transfers for workshop sessions missed as a result of illnesses, emergencies or other events beyond our control. Students will receive a full tuition refund only in the event that the Arts Center cancels a workshop.
Gallery Hours
Kudzu Art Zone's current gallery hours are 11:00 am to 4:00 pm on Fridays and Saturdays.
Kudzu Art Zone's building is handicap and wheelchair accessible.
Free additional parking is available across the street.
All events must be approved by the Board of Trustees.
Kudzu Art Zone offers rental of space for events in our 116 Carlyle Street facility.
For more information go here


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The former England captain will issue a plea to UN chiefs to put their plight at the heart of a new 15-year plan to tackle world inequality.
Becks, 40, who is a goodwill ambassador for UNICEF, revealed a recent visit to Cambodia had moved him to take action.
The dad-of-four said: "When I visited Cambodia with UNICEF earlier this year, I spent time with children who have experienced terrible violence and abuse often at the hands of the people who were supposed to protect them."
"Their stories were deeply distressing and as a father it is devastating to think that any child should have to suffer like this."
"After listening to these brave children and hearing about the abuse they have endured, I want to make sure that world leaders act to protect children from danger."
"Every child, especially the most vulnerable, should be safe."
"That's why I am going to travel to the UN this September, to make sure that children's voices are heard and that the world comes together to stop violence against children."
Goldenballs, who has launched his children's charity 7: The David Beckham UNICEF Fund, says more should be done to help disadvantaged children in the Third World.
He wants it to be the central part of the Sustainable Development Goals – the new 15-year agenda that will be adopted at the UN General Assembly this month.
The former midfielder added: "In February, when I launched my new fund with UNICEF, I made a promise to speak out for the most vulnerable children and to help shine a light on their issues.
"It is shocking that every five minutes a child dies as a result of violence. Children are being abused in their homes, schools and communities. This has to stop. I hope others will join me to call on world leaders to put children at the heart of the goals and commit to ending violence against kids."
Latest UNICEF figures show around 120 million girls under the age of 20 worldwide (about one in 10) have experienced forced intercourse or other sexual acts.
One fifth of homicide victims globally are children.
Almost one quarter of girls aged 15 to 19 worldwide (about 70m) report being hurt by some form of physical violence since age 15.


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Category how do I make it through a divorce
Get (Back) on Track
It is bound to happen. We find ourself off the track. We've lost our bearings and are unsure which way is up.
Persistence – a quick spot
radio spot
Do You Need a Cheerleader, a Guide, a Life Coach?
If you are curious and just want to know more about life coaching email me and we can set up a time for a 30-minute FREE consultation.
3 Tips for Women on Rough Road
Potholes are ugly nuisances and can really make travel unpleasant. Life can be like a rough road. Pot holes and bumps make it difficult to see ahead. I know.
How Facing and Accepting Disappointment Can Bring Peace
When a woman reaches a certain level of insight, she takes an entirely different view of her unhappiness.
Life After Divorce
Divorce is often costly, and can be devastating for all parties involved – partners, children, parents, and grandparents.
2 Smart Strategies to Reclaim Your Identity After Divorce
Still my personal identity suffered. All the rotten phrases came to mind: scorned women, divorcee, and single mother. I hate how we label people, but we do and I had to accept that.
Who Are You?
Do You Remember Who You Are? Related posts: Journey to Self, Am I Strong or Weak?, Who Am I? We saw The Lion King last night at the Lyceum Theatre in London. Magnificent! I admit I'd forgotten so many of the meaningful lines in the story. The one that lingers in my mind for the […]
How to Get Through a Divorce and Move On
Living Learning Loving Lesson & Encouragement on the Path of Motherhood Review from Amazon reader: "You are not alone" isn't enough unless you connect with the one who says it. From chapter 1, you will connect with Gail as she opens her heart in a way that will touch yours. Her words paint a picture […]
Amazing Grace of Aloneness
Being Alone Can be Amazing When I was born, my siblings were eight, twelve, and sixteen—much too old to want to play with me. I spent my early years entertaining myself. I spent many hours in solitude. Later in life after a divorce, with three young children, I craved that time alone. And then I […]


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Goal setting is a great way to strategically move your career forward. Having work goals and reaching your goals can be challenging, and below are 10 steps to help you better achieve your work goals.
- Get clarity on what you are trying to achieve
First things first – understand what you want to pursue. What do you want? It might be a good idea to start with your performance plan or a set of work goals that your manager has for you. If you don't have this level of support or structure, maybe the first thing is to have a conversation with your manager to find out what you need to focus on.
If you already know what you want, go for it!
- Get some help
You might need help to achieve your goal. By understanding your team, you can pull from their strengths to help you to reach your goals. You team might be your staff members, your project team, or just co-workers.
When you understand the people around you, you can ask the right people for the help you need to achieve more. If you are a supervisor, team lead, or a project manager, you especially need the help of your teammates.
- Get your supervisor on your side
Maybe your goal is to get on your supervisor's good side. If that's the case, attempt to make their job easier. Have a conversation with your manager and ask what you can do to help out. Do what they tell you. Don't over think it and don't do what you think will be better. If you want to introduce a new way or whatever you think is better, do what they ask first and then do what you think is better. Then let your boss have a choice between the two products. When in doubt, ask first before you go off and try to predict what your boss wants. Wait until they trust you to try to innovate.
- Focus on what you can control
For every workplace goal, there are factors you can control and factors out of your hands. Be clear on the distinction, and have a plan for what to do if the out-of-your-control factors don't line up.
In project management, most times project managers are responsible for completing a project, but don't have total autonomy over the people assigned to their project to get things done. This is a most challenging part of project management. Focusing on things that a project manager can control might be the budget. Things the project manager can't control might be how quickly team members complete tasks. In this example, the project manage might add extra time in the schedule to allow for team members to complete tasks. Sometimes you got to be strategic on how you accomplish your goals.
- Consider your long term career goals
Where do you want to be in 5 years? What would you need to do to get to that position? Do you need to get a certification? Maybe you might need some additional experience. What is your ideal next professional role? Which success stories will make you a suitable and impressive candidate? Figure out what you want to do and begin to make a plan.
- Go beyond and think of the big picture
You might have opportunities to do other assignments at work. Think about what you want for your career for the future and take on some of those extra projects if you think it might give you the experience or exposure you need to get to where you want to be.
- Visualize as often as possible
See yourself where you want to be. Get a detailed vision. You might create a vision board by adding pictures of things that look like what you want your future to look like. Sometimes you may not know what your typical day will look like in your dream job. But don't allow that to stop you.
I envisioned getting my project management professional certification. I saw myself passing the rigorous exam and throwing my hands up when I got my score. I saw myself celebrating. While I was studying for the exam, periodically I would close my eyes that think about how I was going to tell my mom. Everything that I saw in my mind, I did.
What can you visualize that will pull you closer to your dream?
- Get some accountability
If you can get your supervisors support, that would be great. However, if you want to get a new job, your supervisor may or may not be rooting for you. It's tricky when it comes to new positions and having supervisors support.
Having an accountable person to encourage you and help to keep you on track can make the difference. A mentor could potentially give you the support you need to accomplish your work goals.
- Check-in often
Do you know the saying "out of sight, out of mind"? Well, it's not enough to just set work goals. How many times have you have resolutions and then forgot about them by Valentine's Day?
It's important to review your work goals often. Write them down and put them in a place where you will look at them often.
Schedule times to evaluate how well you are doing in terms of reaching your goals. You can do this monthly or quarterly depending on the work goal.
- Align what you do daily with your goals
Do a periodic check on how well your daily to-do list aligns with your big-picture workplace goals. If the two have nothing to do with each other, talk to your manager and take action.
Maybe your work goal is to become bilingual, then your daily to-do-list should include some sort of foreign language classes, foreign language tutorials, practicing the foreign language, etc.
If this is one of your work goals, you won't just wake up one day completely fluent in a foreign language if you're not putting in the work.
- Track your progress
It feels great when you can look back over a period of time and see that you are moving toward where you want to be. Tracking your progress will help you to see if you are actually getting closer to your goals or moving away from them.
Goal setting is an art. It takes practice and follow through. It's wonderful when you can achieve your work goals. The major takeaway is that you want to know what you want, keep it in front of you, visualize achieving it, get support, and track your progress.


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(BGO) – The Business Association (BA) in the northern province of Bac Giang on January 7 held the Business Coffee event in the first quarter of 2019 to provide the local businessmen with a chance of exchange. The event was attended by Duong Van Thai, Vice Chairman of the Bac Giang provincial People's Committee (PPC) and Chairman of the provincial BA and the association's members.
At the event, several enterprises discussed and proposed many difficulties they encountered. The representative of Lang Giang district BA reflected that the Power company in Lang Giang district has regularly cut off the electric, even without any notice, causing a great impact on their plan of production and business.
The representative of the business speaks at the meeting.
Meanwhile, Doan Huy Canh, Director of Bac Giang branch of An Huy Property Joint Stock Company shared that the urban projects have dealt with numerous challenges on land clearance in spite of the active involvement from the People's Committees in the districts. He suggested that the PPC should have a specific mechanism to remove the difficulties in the policy that supports the land of rice cultivation so as to facilitate the district People's Committees and enterprises to boost up the execution schedule of urban development projects.
Also regarding the property, Nguyen Van Tuyen, Chef Executive Officier of 379 Investment Joint Stock Company said as the regulation, the property business only needs to have 20 percent of the equity before investing in the project, the remaining capital is sourced from loan and mobilization. However, it is not easy to access the loans of the commercial banks that mostly leads to the bending of capital mobilization law when the project is not fully qualified with the regulation.
Tuyen proposed the levels and sectors to issue the policy to solve the difficulties, develop the credit package of the preferential loan to the enterprises who invest in the property. Besides, some businesses were afraid of many kinds of administrative sublicenses, overlapping inspections among others, making unexpected pressure on the business.
Vice Chairman of the Bac Giang provincial People's Committee Duong Van Thai and Chairman of the provincial Business Association addresses the meeting.
Addressing at the meeting, PPC Vice Chairman Duong Van Thai highly evaluated the enterprises' business and production result in 2018. He considered that the local enterprises have low start point because the majority of them are small and medium-size businesses with weak competitiveness.
To recover this situation, he urged the enterprises to continue to renew the thinking, reorganize the plan of production, business
Apart from ensuring the jobs and living to the laborers, the Vice Chairman also suggested the firms actively responding to the campaign of "Tet for the Poor" launched by the province to secure the social welfare on the upcoming Lunar New Year of the nation. The PBA acknowledged the specific problems to send to authorized agencies for handling soon.
Hong Duong


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Dear BitMart Users,
As stated the "Repurchase Mechanism" in our white paper, BitMart has used 20% of the income earned from trading fees from June 20th, 2019 to July 19th, 2019 to repurchase and burn 3,913,499.28527729 BMX (approx. 109,578 USD). The Repurchase Mechanism will continue until 500 million BMX are burnt, thus reducing the total supply of BMX.
We have completed this round of BMX burn. You can check the burn records via the blockchain browser: https://etherscan.io/tx/0x2a719825b3a62e896be49657facdab7a49c35a4b99711c72886d41829051662a
Thank you for your support!
BitMart Team
July 29, 2019


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- Homepage
- Heatwave: seasonal precautions
Heatwave: seasonal precautions
A few simple steps to prevent accidents in case of hot weather.
Very hot weather can have implications for your health. As well as the usual symptoms of fatigue, it can also cause serious conditions (heatstroke, dehydration).
Humidity and air pollution intensify the effects of heat.
In addition, pregnancy, some diseases and taking certain medicines can, in very hot weather, have an adverse effect on your health.
Protect yourself during the hottest hours of the day:
- Avoid going out during the hottest hours of the day (11 am to 5 pm). Try, if possible, to take a siesta and relax in a cool place
- Avoid outdoor activities which require a lot of energy (sport, gardening, DIY, etc.)
- Wear a hat and light, loose cotton clothing in pale colours
- Keep your home cool (close windows and shutters during the day, open them in the evening and at night if it is cooler)
- If the indoor temperature is above 32°C, fans will not counteract the oppressive heat because they will move the air around without cooling it and speed up dehydration
- If possible, hose down your terrace and balcony in the evening, after sunset, particularly those which face west
- Check that your fridge is working correctly
Keep yourself cool:
- Take regular cool (but not cold) showers or baths
- Spray yourself with a water spray or use a wet flannel to cool your body several times a day
- Spend 2–3 hours a day in a cool place (department stores, cinemas, public spaces, etc.)
Drink and continue to eat:
- Drink at least 1.5 litre of water every day
- Drink water regularly, do not wait until you are thirsty
- Avoid drinking alcohol, coffee, tea and fizzy or sugary drinks, as these can cause dehydration
- Make sure you eat enough; opt for cold food which contains a lot of water (fruit, raw vegetables, etc.)
- Keep away from sources of heat (e.g. ovens)
Seek advice from your doctor or pharmacist:
- With regard to any medicines you are taking, even those which are sold over the counter
- In the event of any unusual symptoms
Do not hesitate:
- To regularly update your friends and family on how you are doing, and to seek help as soon as you need it
- To help the elderly, children and babies to stay hydrated
- To contact (on behalf of yourself or someone else who needs assistance) the Emergency Unit at Princess Grace Hospital on telephone number 97 98 99 00
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"If these numbers do not scare you, nothing else will!" President Trump has plans to make vast improvements to our border security and immigration system.
"If these numbers do not scare you, nothing else will!" President Trump has plans to make vast improvements to our border security and immigration system.
In life, however, a baseless dread of the gods terrifies men, and the falling rock they fear is the bad luck that chance brings to each one. Nor do birds eat away into the breast of Tityos in Hell nor could they find during eternity enough food to peck from his large breast. However huge the bulk of his body, even if with outspread limbs he.
Reconoce la AAA gestin de la cnsul Carolina Zaragoza Muro Politico Gary SouthShore RailCats vs. Chicago Dogs: Game 2 of 3 These Are the 20 Best Cities to Start a Business – MMO mastermind 20 Tips for How to Make Money with a Service Business – · 20 tips for entrepreneurs on how to make money by owning and running a service based business.. You start a business to make money, but if you're personally taking every penny of profit then you'll have nothing left over to invest in your business.. Thanks for , these kind of tips will be more successful to run the.Eat Your Way Through the Week with Hamburgers, Tacos, and More. June 3, 2019 – American Association (AA) – Gary SouthShore Railcats News ReleaseNuevo Laredo, Tamaulipas.- Con la finalidad de garantizar la seguridad de los turistas cinegticos que participarn en la temporada de caza 2017-2018, el presidente municipal Enrique Rivas se reuni con directivos de corporaciones de seguridad, as como con presidentes de clubes y asociaciones cinegticas para coordinar las acciones a implementar del 17 de noviembre al 28 de enero.
"It is easier for one to take risks and to chase his dreams with a mindset that he has nothing to lose. In this lies the immense passion, the great advantage of avoiding a materialistic, pleasure-filled way of life.
Having a mentor many times makes all the difference between making it in life or not. Learn how to find a mentor who will accelerate your success.
Communications Director, Author at LIFA – Page 4 of 73 – Communications Director May 23, 2019 May 23, 2019 LIFA News This is a fantastic opportunity for a son, daughter, grandchild, to get a great start in the right direction in their life. LIFA highly recommends this program. "If these numbers do not scare you, nothing else will!".
There comes a time in every pet owner's life when difficult decisions have to be made. Althea and I experienced one of those Monday morning when we decided to send our cat CJ to the rainbow bridge.
This has always been on my list regardless of whether I was doing well in life or doing badly. I think helping people helps you to help yourself, I'm not sure if that makes sense. This is a really good post about keeping lists of things to do when you've done everything else, time is a precious commodity and it's important not to waste it..
Trump immigration crackdown hurting small banks on border Trump has frequently pointed to sympathetic crime victims to justify his crackdown on illegal immigration. of entry like San Ysidro and Otay Mesa. Only a small fraction comes through parts of the.
Translate Nothing. See 6 authoritative translations of Nothing in Spanish with example sentences, phrases and audio pronunciations.
"If these numbers do not scare you, nothing else will!" Communications Director May 22, 2019 May 22, 2019 LIFA News ICYMI | Border Officials Facing an Overwhelming Wave of Migrants


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Published in the UK
October 25, 2009
Sometime back I recieved an email from the editor of Bygone Kent, Rachel Deeson. She wanted to include my Wide Sargasso Sea illustration in an article about the author of the book, Jean Rhys. It was a beautiful article, and I'm honored to have one of my favorite illustrations included. Thanks Rachel!
P.S. this print is also available for purchase via heatherlyoung.etsy.com.
alas, she was not forgotten!
October 8, 2008
SuperSkirt that is! When I picked up the Savannah edition of Skirt Mag, only these two had made the issue. Which left me a little sad, as I'd never completed an illustration that didn't "make the cut" so to speak. And then I received the Charleston edition of Skirt in the mail yesterday…all three illos included!
Hope you all have a lovely Wednesday…and don't forget to pick up the latest issue of Skirt! Mag….(it's free AND in 22 cities) and if you're local, be sure to check out this weekend's Market Bazaar!!!!!!


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Show case studies on:
PRA offers enterprise project management and consulting services to some of the world's biggest real estate and design construction companies. PRA hired FVM to create an authentic brand position and identity that would support its new business model and allow the company to scale.
Real Estate & Construction