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Federal Reserve Bank of Philadelphia
September 28–29, 2017
Special Issue on Fintech
Journal of Economics and Business (3Q2018)
Agenda Change
Please note:
Because of an unanticipated conflict, we have switched the order of two sessions:
- Keith A. Noreika, acting Comptroller of the Currency (OCC), will be presenting A Fintech Conversation with the OCC Comptroller on Thursday, September 28, at 4:10 p.m.
- As a result, the Topic Keynote — Bitcoin, Blockchain, and Cryptocurrencies has been switched to 11:45 a.m. on Friday, September 29.
Fintech: The Impact on Consumers, Banking, and Regulatory Policy
Federal Reserve Bank of Philadelphia
September 28-29, 2017
Speaker Bios
|Thursday, September 28
|12:00 noon–12:40 p.m.
|Registration and Refreshments
|12:40 p.m.–12:50 p.m.
|Welcome and Opening Remarks
William G. Spaniel (Senior Vice President, FRB Philadelphia) - Watch the video
|12:50 p.m.–1:15 p.m.
Industry Keynote Speech
Robert Nichols (President and Chief Executive Officer, American Bankers Association)
|1:15 p.m.–2:10 p.m.
Topic Keynote — Fintech Lending and Roles of Alternative Information - Watch the video
Tracy Basinger (Executive Vice President & Director, Financial Institution Supervision and Credit, FRB San Francisco)
Spencer Robinson (Head of Strategy, Kabbage)
|2:10 p.m.–3:55 p.m.
Research — Fintech Lending and Roles of Alternative Information
Paper 1: "FinTechs and the Market for Financial Analysis"
Paper 2: "Fintech Lending: Financial Inclusion, Risk Pricing, and Alternative Information"
Paper 3: "Fintech, Regulatory Arbitrage, and the Rise of Shadow Banks"
|3:55 p.m.–4:10 p.m.
Coffee Break
|4:10 p.m.–4:50 p.m.
A Fintech Conversation with OCC Comptroller - Watch the video
|4:50 p.m.–6:10 p.m.
Research — Bitcoin, Blockchain, Digital Currency, and Machine Learning
Paper 1: "The Law of One Bitcoin Price?"
Paper 2: "Blockchain Disruption and Smart Contracts"
Paper 3: "The Price of a Digital Currency"
Paper 4: "The Economics of Distributed Ledger Technology for Securities Settlement"
|6:10 p.m.–7:30 p.m.
|Cocktail Reception
|7:30 p.m.–9:00 p.m.
|Speaker Dinner
|Friday, September 29 - Watch the video
|7:45 a.m.–8:45 a.m.
|Continental Breakfast
|8:45 a.m.–9:55 a.m.
Research — Fintech and the New Financial Landscapes
Paper 1: "Competition in the Financial Advisory Market: Robo versus Traditional Advisors"
Paper 2: "Does FinTech Affect Household Saving Behavior?"
Paper 3: "Integrating the Troublemakers: A Taxonomy for Cooperation between Banks and Fintechs"
|9:55 a.m.–10:45 a.m.
Topic Keynote – Fintech and the New Financial Landscapes
Siddhartha Jajodia (Chief Investment Officer, LendingClub)
Usman Ahmed (Head of Global Public Policy, PayPal, Inc.)
|10:45 a.m.–11:00 a.m.
|Coffee Break
|11:00 a.m.–11:45 a.m.
|A Conversation with Patrick T. Harker
Patrick T. Harker (President and Chief Executive Officer, FRB Philadelphia)
Introduced by: Richard Herring (The Wharton School of the University of Pennsylvania)
Moderator: Mukul Pandya (Knowledge@Wharton)
|11:45 a.m.–12:30 p.m.
Topic Keynote — Bitcoin, Blockchain, and Cryptocurrencies
William Nelson (Executive Managing Director, The Clearing House)
Jim Cunha (Senior Vice President, FRB Boston)
|12:30 p.m.–1:45 p.m.
|1:45 p.m.–3:00 p.m.
Research — Machine Learning and Artificial Intelligence
Paper 1: "Financial Regulatory Implications of Artificial Intelligence"
Paper 2: "Market Design with Blockchain Technology"
Paper 3: "Between the Lines: Decipher the Firms' Fundamentals with Artificial Intelligence"
|3:00 p.m.–3:15 p.m.
|Coffee Break
|3:15 p.m.–4:30 p.m.
Research — Marketplace Lending and Crowdfunding
Paper 1: "Law, Trust, and the Development of Crowdfunding"
Paper 2: "Profit Sharing: A Contracting Solution to Harness the Wisdom of the Crowd"
Paper 3: "Financing Efficiency of Securities-Based Crowdfunding"
|4:30 p.m.–5:15 p.m.
Topic Keynote — Machine Learning and Artificial Intelligence
John Schindler (Federal Reserve Board)
Gurvinder Ahluwalia (Founder of Digital Twin Labs, LLC; previously CTO Technical Solutioning and Blockchain, IBM)
|5:15 p.m.–5:25 p.m.
|Closing Remarks
James D. Narron (First Vice President and Chief Operating Officer, FRB Philadelphia)
The Federal Reserve Bank of Philadelphia and the Journal of Economics and Business (JEB) invited authors to submit papers that deal with topics related to various aspects of fintech.
Fintech has changed the financial landscape and has been quite disruptive.
On the supply side, nonbank fintech servicers have grown rapidly in response to more stringent and complex financial regulations following the recent crisis. Some have argued that with its technology platforms and ability to use alternative information sources for credit decisions and unconventional underwriting techniques, the fintech shadow banking sector has been able to offer faster, better, and cheaper services to its customers in terms of processing times, automatic applications, minimal demands for financial documents, and funding as early as the same day. On the demand side, as more millennials make up the pool of small business owners, they may be more comfortable with technology and may prefer dealing with an online lender versus an in-person loan officer. Given the speed of innovation to date, there is likely to be continued advancements in this space.
In addition, blockchain technology, which was initially used for Bitcoin transactions, also has the potential to create a major disruption in the financial landscape. Moreover, many countries (including Sweden, Korea, and China) have explored their own digital currencies. It remains unclear whether this sector will continue to grow (since it has not yet gone through the entire economic cycle) and what the impact would be on monetary policy and financial stability overall.
We solicited original research papers that fall within the fintech area. The deadline for submissions was June 15, 2017.
Authors of accepted papers for the conference were notified by July 1, 2017. The special issue will be published in 3Q2018.
Registration has closed.
The Franklin Hotel at Independence Park (about a 10-minute walk)
401 Chestnut Street
Philadelphia, PA 19106
A block of rooms has been reserved at the Franklin Hotel for the nights of September 26-29, 2017 ($183.00 per night).
Due to limited availability, please reserve a room before August 25, 2017, by clicking the link above.
Click here for information on visiting the Philadelphia Fed.


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Senator Richard di Natale, the leader of the Australian Greens party, has an unexpected ally in her mission to fix impediments in the way to access critical medicine.
Australian singer and actress Olivia Newton-John has joined Aussie Senator to Improve Medical Cannabis Access.
Olivia Newton-John's Breast Cancer Survival
When the Grease star began to have trouble walking, she never imagined that it was due to cancer. Earlier this year, 69-year-old Olivia revealed her breast cancer recurrence 20 years after the original diagnosis. It has spread to her spine leaving her in agonizing crippling pain.
In an emotional interview with Australia's 60 Minutes, Olivia candidly spoke about using controversial cannabis to ease the cancer pain. Calling it a magical, miracle plan, she uses it to medicate severe pain and inflammation caused by cancer relapse.
Her husband, John Easterling, grew the class B drug and made tinctures to soothe her pain.
Last week, in an interview with Today, Olivia said she was not scared that time because it was her second cancer battle. Although marijuana consumption is still a controversial topic in America, some experts believe cannabis helps with chronic pain, especially related to cancer.
Medical cannabis is extremely effective for pain management.
Many studies have proved cannabis to be more powerful and safer than opiates.
Due to Cannabis's status as a Schedule I drug, researchers have a hard time getting access from the government to study weed's medical uses. A double-blind placebo-controlled trial published in 2013 showed that people on low doses of Sativex reported less pain daily taking opioids. Another Sativex-related research stated its benefits for improved sleep quality, especially for chronic pain sufferers.
A meta-analysis published in JAMA in 2015 and Dr. Abrams co-authored another comprehensive review of that same data also proved cannabis's effectiveness for chronic pain in adults.
Researchers they have a pretty good theory.
Massachusetts-based medical cannabis expert, Dr. Jordan Tishler, says our brain processes pain signals in a very complicated way and cannabis act at nearly every step of the way.
A bunch of cells mediates the inflammation at the site of pain. These cells secrete chemicals that repair the damage and stimulate the nerve and their cells. Cannabinoid compounds, created by body and THC activate cannabinoid receptors found on these cells.
Cannabinoid receptors are also present in cells along your spinal cord and the areas of your brain involved in processing pain. So, THC interacts with your body at multiple points and calm inflammation and pain signaling.
Treating pain with cannabis isn't as easy as getting high.
Regardless of your experience with cannabis, it's wise to speak with a professional for a treatment plan. How much you consume and how you consume varies according to patients' medical conditions.
Smoking cannabis is a carcinogen. Experts recommend using a vaporizer to inhale cannabis instead. Vaporizers heat the material without burning it.
For Newton-John, cancer battle introduced her stronger version of herself. Instead of cancer servicer, she calls herself cancer "thriver."


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About Us
At Afleure, we care utmost about:
You! We want to provide you with the best service and ensure your satisfaction. Our goal over time is to become your go-to resource and brand for all things related to home décor!
The products that we offer - their unique designs, elegant appeal, high-quality and uncompromising craftsmanship, and attention to detail. And all this combined with amazing value!
Supporting artisans and ensuring win-win relationships through ethical fair-trade practices
Environmental consciousness - minimizing the environmental impact at each link in the supply chain


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Cast Iron Coat Hook
Standing approximately 3" tall, our cast iron coat hook will add a little "vintage" to wherever you're going to mount it. Buy yourself 5 or 6 and mount them to a piece of wood for a nice wall coat rack. Or buy a few to mount on the back of any door or in the bathroom to hang towels. Nice Quality.
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Talk to a company that has something to say.
18th December 2019
Today we have published our 2019 UK gender pay report, a requirement for all UK companies with 250 or more employees to measure the difference in pay between men and women across a company's workforce, regardless of seniority or type of role.
25th November 2019
Robert Read, Head of Art and Private Clients at specialist insurer Hiscox, comments on the robbery from the Dresden Green Vault in Germany.
4th November 2019
Hamilton, Bermuda (4 November 2019) – Hiscox Ltd (LSE:HSX), the international specialist insurer, today issues its trading statement for the first nine months of the year to 30 September 2019.
24th October 2019
Hiscox, the specialist global insurer, has developed a new app – FloodPlus AR – that uses Augmented Reality (AR) to illustrate the growing flood threat to coastal towns and cities from rising sea levels.
5th September 2019
Hiscox today announces the appointment of Joanne Musselle as its new Group Chief Underwriting Officer.
29th July 2019
For the six months ended 30 June 2019.
23rd July 2019
Hiscox announces insurance cover for ships taken by nation states.
12th July 2019
Hiscox Ltd, the international specialist insurer, provides an update on its financial performance for the first six months of 2019.
27th June 2019
Hamilton, Bermuda (27 June, 2019) - Hiscox Ltd, the international specialist insurer, today announces that Richard Watson has informed the Board of his decision to retire from his role as Chief Underwriting Officer of the Company after 33 years.
17th June 2019
New online tool helps businesses quantify potential losses from a cyber attack.
30th May 2019
New product offers clients clarity and year-round support.
13th May 2019
New protection added to existing Security Incident Response product.
7th May 2019
Hamilton, Bermuda (7 May 2019) – Hiscox Ltd (LSE:HSX), the international specialist insurer, today issues its trading statement for the first three months of the year to 31 March 2019.
23rd April 2019
International study shows no improvement in corporate defences despite soaring cyber losses.
2nd April 2019
The seventh annual Hiscox Online Art Trade Report 2019 shows that online art market growth is steady but slowing, with more consolidation among online art platforms likely.
25th February 2019
For the year ended 31 December 2018: "A good result in a challenging year for insurers."
10th January 2019
Members of the public watched in astonishment recently as staff at a retailer of the iconic bike manufacturer Brompton arrived to find their store had been 'hacked'.
31st December 2018
There has been some recent online coverage relating to Twitter posts about 9/11-related litigation and mentioning Hiscox.
18th December 2018
Today we have published our 2018 UK gender pay report.
17th December 2018
Hiscox, the specialist global insurer, announces the appointment of Bob Thaker as its new UK Chief Executive Officer, effective March 2019, subject to regulatory approval.
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Cinzia White –– Share your journey with a year of hand stitching Raconteur—The Storyteller's Collection, a multi-award-winning quilt, is your next take-anywhere project...
A process guide to foundation paper piecing and pattern design
Turn your interest in foundation paper-piecing into a full-blown love affair. Learn about every stage of the process—from piecing technique to pattern design—in this comprehensive guide. Start with the basics of sewing on paper, then explore the author's open-ended design exercises to create your own patterns or follow along with the author's take to sew her graphic interpretations of the prompts. With an annotated overview of the author's favorite FPP methods, countless tips, and over thirty paper-pieced quilt blocks plus seven design exercises to put your skills to the test, you'll have the tools you need to thrive when confronted with any paper-piecing challenge!
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Format: Print Length
Language: English
Format: PDF / Kindle / ePub
Size: 12.19 MB
Downloadable formats: PDF
Pages: 62
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text: My favorite mistake is my ex-husband. I fell in love with him and married him even though I knew he was an alcoholic. He always had a rough time keeping a job. Our relationship also suffered. We had four kids who grew up in a very dysfunctional household. All three of my sons also had trouble with alcohol. The youngest one was killed 15 years ago in a car accident; he was driving drunk.


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Having sold 5 of these machines within two months of becoming an authorised distributor of the highly acclaimed Franke Machines, … Continue reading Franke Machine at Showroom
Month: October 2016
The King's Head is a family run pub, restaurant and bed & breakfast situated in the popular village of New … Continue reading The King's Head New Buckenham
Another simply, great refurb by the team. Here is a Jura X9 Coffee Machine that we received back from a … Continue reading Jura X9
Another simply, great refurb by the team. We received a Vitale S B2c back from a customer who has upgraded their … Continue reading Vitale S B2C Refurb
Another simply, great refurb done by the service team. This time it is not a machine that the guys have … Continue reading C6 Grinder Refurbished
Located in Manor House underground shopping centre, London Snacktime is a busy newsagents providing a wide range of products. In … Continue reading Snacktime
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Pastel in Winter
Tags: 2017, Runway, SUFADS, Syracuse University
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Why is the FR-4 epoxy board much better than the 3240 epoxy board?
This is a question that many people are asking. What are their differences?FR4 epoxy sheet and 3240 epoxy board are the two most common epoxy boards used in the market. It is said that the FR-4 epoxy plate is better than the 3240 epoxy plate.
what's the difference between them?
FR4 environmental protection.
3240 epoxy board is halogen free, which is not very environmentally friendly. It also does not conform to the national strategy of green sustainable development. And the FR-4 epoxy plate is the opposite.
FR4 has good stability.
FR4 dimensional stability is better than 3240, and in the pressing process, FR4 thickness tolerance control is much better than 3240, which is more suitable for machining.
FR4 has good flame retardancy.
FR4 is an improved 3240 epoxy plate. The flame retardancy of FR-4 epoxy board is in line with the national UL 94V-0 standard. 3240 epoxy plate has no flame retardancy. FR4 can have natural extinguishing function in case of fire.
The color and lustre is bright.
The color of FR4 is very natural, a bit of jade feel, and the color of the 3240 epoxy board is a bit dazzling. It doesn't look very natural. Most of the colors are not very uniform.
Water absorbability is small.
Its water absorbency (D-24/23, plate thickness 1.6mm): less than 19mg, and small water absorbency makes it play a better role in wet transformers and other equipment.
Because the FR-4 epoxy board has good performance compared with the 3240 epoxy board, so today it is the preferred material for the insulation parts of the high-end electrical and electronic industry. Of course, the 3240 epoxy board has a certain market because of its price advantage. Actually, I don't think it's really good or bad. It depends on where you use it. The material suitable for yourself is the best material.
Zhongtian electrical equipment is a company specializing in producing and manufacturing insulation materials. The main processing products are FR-4 glass fiber board, fiberglass board, epoxy resin board, PVC board, G10 insulation board, phenolic cotton cloth board, epoxy tube, wrinkle paper tube and so on. Zhongtian electrical equipment not only introduces advanced technology, but also has independent development team. All products conform to the international product quality certification standard.


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Gold - Drawn Cable: Simple Chain (Lobster Clasp)- Matches Gold & Brass Lockets
This drawn cable chain is our best selling simple chain style. The look is dainty and light, but the chain is very strong! Don't be fooled. Just because it looks dainty, we can assure you it can hold all of our pieces without breaking. We LOVE the tiny rectanglular links that create a updated modern look and isn't something you see everyday. This chain & lobster clasp are made of gold fill. This chain looks great with our popular brass lockets and any of our gold plated lockets or charms.
Our Simple Chain line is a strand of chain featuring a lobster clasp. The lockets & charms are worn directly on the chain, by sliding the chain through the pendant bails or rings.
This chain is available in 3 adjustable length options:
SHORT: Can be hooked at 16", 18", or 20"
MEDIUM: Can be hooked at 24" or 27"
LONG: Can be hooked at 30" or 34"
Choose your length above and the price will adjust accordingly.
* Purchase Tip: We suggest medium & small lockets be worn on the short version of this chain. All size lockets are great on the medium & long versions of this chain.
(Locket not included in this item.)
1 Review
sturdy yet attractive
You might think by looking at this chain it would not stand up to the test of time, that thought would be wrong. I have this chain in 30 inches on a locket and have worn it twice a week for 5 years. It is still in perfect shape, maybe not as shiny..well loved and worn a little.


text: This is a new video from GamingBolt that lists the best PS4 games of 2017. Sony has delivered an incredible slate of games for the PS4 this year, bombarding us with great titles through the entire year. With so many terrific games to choose from, many didn't crack the top 10. Did your favorite game make the list? Check out the video below to see what made the list.


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Additional information
|11.5 x 1.5 x 17.5 cm
(Width x Depth x Height)
The Art Online Gallery
MISSY is a unique piece of wall sculpture produced from sculpey clay, which is fired then coated with a mild satin varnish to protect the finish. Mounted onto art board and signed by the artist on reverse of piece and also on the board at rear. Good attention to detail makes this a fine collectors piece.
Part of our erotic art collection
MISSY is an original sculpture with no other copy.
This original artwork comes with a Certificate of Authenticity, signed by the artist
1 in stockArtist: Terry Cullern
Product Reference No: A-42339
|11.5 x 1.5 x 17.5 cm
(Width x Depth x Height)
Important notice: The website is undergoing maintenance. During this time, orders cannot be placed on the website. Dismiss


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rapper singer entertainer revealed that he has a white girlfriend, so he is single. Watch how Ehiz froze for a fraction of second before the cameras moved on.


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Winners have not come forward to claim the prizes yet.
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Since its first year, the Georgia Lottery Corp. has returned more than $20 billion to the state of Georgia for education. All Georgia Lottery profits go to pay for specific educational programs, including Georgia's HOPE Scholarship Program and Georgia's Pre-K Program. More than 1.8 million students have received HOPE, and more than 1.6 million 4-year-olds have attended the statewide, voluntary prekindergarten program.
© 2020 Cox Media Group


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Travel from London to Frankfurt, Frankfurt to Brussels, Brussels to Paris. All in March 2019. Which pass suits best.
Travel from London to Frankfurt, Frankfurt to Brussels, Brussels to Paris. All in March 2019. Which pass suits best.
Can you please help. Also what if I would like to travel for a day in London tube.
EMPLOYEE0Jeff (Official Rep) January 22, 2019 15:47Hi Adnan,
For the requested itinerary, your best option would just be to purchase regular tickets.
You would purchase tickets by searching a route under 'BOOK TRAIN TICKETS' on the homepage of our website, www.raileurope.com. For this much travel, we would always recommend booking 1st class.
London to Frankfurt
The fastest connections from London to Frankfurt take about 5.5 hours in duration and involve changing trains once in Brussels along the way. When purchasing tickets for this trip, you would just have to break up your search in Brussels. Therefore, you would do one search from London to Brussels and then another search for connecting trains from Brussels to Frankfurt.
When choosing your trains, I would recommend allowing yourself at least 25 minutes to change trains at the station in Brussels (Brussels Midi).
Trains from London to Brussels are Eurostar high-speed trains. Direct trains from Brussels to Frankfurt are high-speed ICE (InterCity Express) trains. Generally, Eurostar trains can be booked 6 to 9 months in advance of a departure, while these ICE trains can be booked within 180 days days of a departure.
Frankfurt to Brussels
You would then take another ICE train to get from Frankfurt back to Brussels. Generally, trains from Frankfurt to Brussels can be booked within 180 days of a departure.
Brussels to Paris
Trains from Brussels to Paris are high-speed Thalys trains. Trains from Brussels to Paris can only be booked within 90 days of an intended departure date.
- view 1 more comment
Jeff (Official Rep) January 22, 2019 16:22For time spent in Frankfurt, you can shop various city passes and tours by clicking here: http://www.raileurope.com/train-tickets/activities/?countries=undefined&cities=cities-489
For time in Brussels, you can shop city passes and tours here: https://www.raileurope.com/en/activities/belgium/brussels/.
Jeff (Official Rep) January 22, 2019 16:22If you'll be in Paris for multiple days and plan on using the Métro and RER to get around the city, you may also want to consider purchasing either the 'Paris Pass' or the 'Paris Visite'.
The 'Paris Pass' covers entry to over 60 top attractions, as well as public transportation on the Métro, RER, and buses in central Paris. You would purchase the 'Paris Pass' here: http://www.raileurope.com/activities/activity?code=2036PARIS&destId=479&catId=
The 'Paris Visite' just covers local transportation in Paris, which includes the Métro and RER networks, as well as city buses. You would purchase the 'Paris Visite' here: http://www.raileurope.com/pass/paris-visite-pass-8339
There is also the 'Paris Museum Pass', which does not cover any transportation, but it does cover entry to over 60 museums and historic sites around Paris. You would purchase the 'Paris Museum Pass' here: http://www.raileurope.com/pass/paris-museum-pass-8335
Various other city passes and tours for Paris can be found here: http://www.raileurope.com/train-tickets/activities/?countries=France&cities=cities-479


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By Kon-Kee Liu, Larry Atkinson, Renato Quiñones, Liana Talaue-McManus
This ebook is a made from the joint JGOFS (Joint worldwide Ocean Flux Study)/LOICZ (Land–Ocean Interactions within the Coastal quarter) Continental Margins activity group which was once confirmed to facilitate continental margins learn within the tasks. It includes signi cant info at the actual, biogeochemical, and ecosystems of continental margins nationally and domestically and gives a truly helpful synthesis of this knowledge and the actual, biogeochemical and surroundings strategies which take place on continental margins. The ebook of this booklet is well timed because it presents a truly powerful beginning for the improvement of the joint IMBER (Integrated Marine Biogeochemistry and Ecosystems Research)/LOICZ technological know-how Plan and Implemen- tion process for biogeochemical and ecosystems study within the continental margins and the affects of worldwide switch on those platforms. This initiative will movement ahead built-in biogeochemical and ecosystems study within the continental margins. We thank all of the participants to this quantity and particularly Kon-Kee Liu who has committed loads of time to making sure a great e-book is released. IMBER Scienti c guidance Committee Julie corridor LOICZ Scienti c guidance Committee Jozef Pacyna v 1 Preface typically, interfaces among the Earth's greater fabric reservoirs (i. e. , the land, surroundings, ocean, and sediments) are very important within the regulate of the biogeoche- cal dynamics and biking of the key bio-essential components, together with carbon (C), nitrogen (N), phosphorus (P), sulfur (S), and silicon (Si), present in natural subject and the inorganic skeletons, shells, and checks of benthic and marine organisms.
Read Online or Download Carbon and Nutrient Fluxes in Continental Margins: A Global Synthesis PDF
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Additional resources for Carbon and Nutrient Fluxes in Continental Margins: A Global Synthesis
Sample text
In shallower part of the continental shelf, 20–50% of primary production may be consumed on the seafloor (Rabouille et al. 2001). The small fraction of organic carbon that survives degradation and oxidation may be accumulated on the seafloor, where anoxic conditions may prevail. Without sufficient oxidants, the organic matter may undergo disproportiona- 1 Biogeochemistry of Continental Margins in a Global Context tion by splitting into compounds with higher and lower oxidation states during fermentation reactions brought about by anaerobic microbes.
The most important processes are briefly discussed below to illustrate how they may affect biogeochemical fluxes. 1 Physical Processes There are many physical processes that control circulation and mixing in continental margins (Blanton 1991; Huthnance 1995), which in turn control the transport and distribution of biogeochemical materials. The crucial ones are illustrated in Fig. 5. These processes occur in different timescales under the influences of tides, wind stress, buoyancy forces, and bottom friction (Blanton 1991).
These conditions often do not exist. Some of the complications in biogeochemical processes are to be discussed later. However, the mass balance was still set as the minimal requirement to achieve a legitimate biogeochemical budgeting. It has been previously hinted (Liu et al. 2000) that, for an integrated study of the global biogeochemical cycle of continental margins, the main approach should be dictated by modeling, which is an indispensable tool for a rigorous approach to Earth system science.


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By SFC Today Staff
Students, staff, and faculty at St. Francis College will have to cope with no food providers in the cafeteria come this fall, albeit temporarily.
Rosario and the Acquista family said their goodbyes to SFC this summer "to leave the college to focus on other ventures."
SFC will welcome "a new food service provider from the owners of Lassen and Hennings, Monty Q's and Court Order" later this fall.
While we wait, a food truck will be available for the first weeks of the semester, offering breakfast service on Remsen Street every morning, Monday – Friday from 7:30 a.m. – 10:00 a.m.
The SFC community is encouraged to explore "the variety of international delicacies" available in the neighborhood.
In an email from the college president and cabinet, it states that "the College arranged a temporary 25% discount at Court Order (52 Court Street) and Monty Q's (158 Montague Street) for all SFC faculty, staff and students who present a valid SFC ID until food service opens on campus."
In the near future, accounts with these food services will be created for authorized users.


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2014 grant applications for the Art of Community Initiative is now able. Download the application instructions. 2014 AOC Application Guidelines Here is the link to the online application.
The Community Foundation of Broward seeks to bring diverse residents together through civic-engagement projects that use the arts to address community issues. To spark these new collaborations and promote civic-engagement the Community Foundation is issuing the…
Art of Community: The Engagement Challenge
The challenge seeks to award individual grants of $5,000 to $100,000
to support big, bold, innovative civic-engagement projects
that utilize the arts to address issues of public concern.
Art of Community: The Engagement Challenge will:
- Connect residents to each other and their community as they work on meaningful projects
- Impact issues of public concern through collaborative civic-engagement projects using the arts
- Demonstrate the arts are essential to community strengthening in Broward County


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Maak kans op kunst en cultuursubsidie van de gemeente
Subsidie Programmatische Activiteiten Cultuur (PAC) is een regeling voor culturele activiteiten die meerdere jaren beslaan.
Organiseert u openbare culturele activiteiten of bent u dat van plan? Bijvoorbeeld voorstellingen, projecten en manifestaties of presentaties door professionele of amateurkunstenaars? Dan maakt u kans op de subsidie PAC.
Voor wie?
Deze subsidie is alleen bedoeld voor culturele instellingen en initiatiefnemers die producties en presentaties organiseren voor minimaal twee jaar. Dit moeten activiteiten zijn op het gebied van podiumkunsten, vormgeving, letteren, erfgoed, beeldende kunst, media en mengvormen hiervan. Het kan daarbij ook gaan om festivals die vaker dan één keer worden georganiseerd. In totaal is 707.000 euro per jaar beschikbaar. Eenonafhankelijke commissie (pdf 11,5 kB) adviseert de gemeente over de besteding hiervan.
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text:
Wroughton Methodist Church was built in 1879 & is situated towards the top end of the main High Street in the village of Wroughton, a few miles south of Swindon. To find us on Google Maps, click on the postcode - SN4 9JX
Minister: Rev Andrew Wigley
Although the membership is not large, a warm welcome is extended to all who attend, be they visitors or regular attendees. Sunday Services are held regularly in the morning at 10.30 am. These err towards a traditional Service with music provided by our very accomplished Organist.
Occasional evening Services are also held – these tend to be United Services as we have strong links with the Anglican & Roman Catholic and Independent Churches in the village through "Churches together in Wroughton". Our very popular Christmas Carol service is lead by members of Wroughton Silver Band.


text:
Remember the days of Fortress New Zealand when tight import licensing and high tariffs allowed domestic producers to sell goods at far above the price of competing foreign goods?
TVs, motor vehicles, whiteware and many other goods were often available only at twice or more the price which producers sold them for in other countries (and were often shoddy into the bargain).
One of the popular arguments for import protection was that it created or saved jobs in the protected firms.
However, such jobs came at the expense of jobs elsewhere in the economy, especially in internationally competing industries that faced higher costs (including wages that were bid up by the protected firms). Policy makers finally came to understand that there was no free lunch in import protection and barriers were lowered.
Yet pockets of protectionist sentiment still exist.
Yesterday I read this letter in the New Zealand Herald.
At a time when the country needs a boost in morale and employment, why is the Government so reluctant to intervene and stop the building of KiwiRail locomotives and rolling stock going overseas, with the loss of 70 jobs. Its intervention would preserve and possibly create jobs at both Hillside and Wellington.
And also this one:
Money spent in New Zealand to manufacture our railcars circulated in our economy. Wages become purchases, savings, taxes and investments. There is a multiplier effect, both economic and social.
Money spent importing Chinese railcars simply leaves our economy, increasing our debt and increasing our balance of payments deficit. Importing, rather than building, railcars will have a negative multiplier effect, including increased foreign debt, lack of local venture capital, unemployment and related social costs.
Even if it were to cost twice as much, though no one has said it would, to build the cars here we would be far better off. What game is our merchant banker Government up to? Where is it sense of national identity? Perhaps they should change their party name to the Nationless Party.
Here we are seeing the same old protectionist fallacy. Assuming KiwiRail has got its numbers right, building rolling stock here at higher cost would mean its customers would face higher prices across the board. They would grow less and create fewer jobs.
Many of the customers would be in the export sector. The badly needed rebalancing of the economy would be hampered. And of course KiwiRail would be an even bigger drain on taxpayers.
The lessons of economics have to be learned anew in every generation.


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A trio of twentieth century English works formed the BBC Philharmonic's first concert back on home turf after their European tour. Two works by Mancunian-trained composers provided a particularly local welcome and Holst's ever popular Planets suite pulled in a good crowd to witness them. All were carried off with panache and an infectious joie de vivre.
John McCabe's 1988 Fire at Durilgai is inspired by a passage from Patrick White's The Tree of Man in which a large fire threatens the eponymous town. Rather than being expressly programmatic, McCabe writes that "It is an expression of my fascination of the inexorable development that fire represents". The resultant soundscape was vivid and impressively detailed under Storgards' direction, whilst retaining a constant sense of energy, whether latent or active.
Under the glockenspiel's sparkling night sky, the sweeping, spacious long lines in the low brass were brilliantly juxtaposed against the thrillingly aggressive repeated downbows for the strings against descending woodwind semiquaver runs. It was a strident, urgent dash, but McCabe's fire was somehow more fascinating than alarming. The ebb and flow of the music, with occasional thunderous timpani interjections, made for compelling listening. Orchestra and audience alike gave a large ovation when Storgards descended the stage steps to hug the composer at the end. This is certainly a piece worth hearing.
Harrison Birtwistle, also in attendance tonight, has had his Endless Parade performed dozens of times by its dedicatee, tonight's soloist Håkan Hardenberger. This was confirmed by the Swedish trumpeter's apparently effortless virtuosity in some phenomenal shows of agility. There was impressive control, too in some of the softer passages, where the trumpet was suddenly all soft edges, barely recognisable as the same instrument capable of creating some of the ear-splittingly loud playing or flatulent, pianissimo pedal notes later on. Hardenberger stood centrally between the second violins and violas, seeming to bridge the gap between orchestra and soloist. The same intermediary effect was achieved by Paul Patrick's magnificent displays of four-mallet vibraphone playing. He achieved a superb control of sound through his pedalling, producing clean but full, well balanced colours alongside explosive outbursts of power. Storgårds too was rooted in the immediacy of the chamber-style scoring, conducting without a baton. It was a frenetic and breathless affair, but again richly deserving of its warm reception.
For once in this city though, few in the audience had come to hear Mancunian music of the late 1980s. Gustav Holst's Planets suite was tonight given a fiercely impassioned treatment which best suited the more dashing numbers, Mars, Mercury and Uranus. The first of these blazed with terrifying energy in its hammered ostinato. The hall's enormous Marcussen organ could add little other than to shake the floor a bit. The same directness and immediacy later made Mercury wonderfully light and airy, feeling almost Celtic in some of the repeated string figures. Uranus opened brutally, followed by brilliantly conspiratorial playing from the double reeds. Once the horns took control it became an exhilarating romp, a sort of macabre procession with Storgårds the bandmaster leading with gusto at the front.
The slower movements, though perfectly well played, did not quite create the same intensity of atmosphere. Immediately after Mars, it took a few moments for the serene beauty of Venus to become appreciable, though Storgårds' unhurried conducting gave leader Yuri Torchinsky's excellent solos a broad sense of space. The opening passage of Jupiter was taken rather slowly, and it occasionally felt as though the orchestra would have been more comfortable at the more conventional, quicker speed. The 'big tune', of course, was suitably stirring, and once the reins were let out a little at the end it all became a bit more spontaneous and engaging.
In Saturn there was great dignity in the slow trombone chorales and mystery in the woodwind playing, along with huge power in the double-stopped timpani strokes. The 32 foot organ stop was put to excellent use, almost inaudible but somehow filling the hall. The final gas giant, Neptune, was similarly mysterious and also convincingly submarine in the fluid playing from adjacent celeste and harps. The ladies of the Manchester Chamber Choir sang well, but their diminuendo which closes the whole work was somewhat misjudged. Rather than fading into nothing as the door to their backstage room is slowly closed, as instructed in the score, they finished quite abruptly as if the door had blown shut. It took little away from the performance, though, which above all was tremendously good fun in its bolder moments.


text:
Digital Harbor TEAM,
I'm currently flying 35,000 feet up somewhere over Colorado, but my mind is back in Baltimore as I'm thinking about all the things we did this week.
As I mentioned during our forum yesterday, I recognize that it is going to be a bit of whirlwind when I am in town (a "month within a week" apparently according to my word mix-up), with plenty of things happening all at the same time and me pulling any number of you into seemingly random things. (I was going to say this won't be the case when I'm back full-time, but then I imagined Steph laughing out loud so I guess I'll just observe that perhaps my split schedule is actually a nice way for everyone to get accustomed to me in smaller doses).
Just know that I love seeing (and get my energy from) all of the beautiful things happening because of what you all do day-in and day-out. Each one of you plays an important role in that mix and each one of you makes the whole possible. I appreciate the extra efforts, the long hours, the deep concern about doing things the right way that I see... What we have and are as a team is incredibly unique – so thank you for contributing to that.
Transitions are not always easy, but I feel like the past two months have been as seamless as one could possibly imagine – and that for the youth we serve, there was absolutely no disruption or even uncertainty (thanks to all of you on programs!). For many of you on staff, I know this was not the case. There have been a number of changes, and with those come varying degrees of anxiety. My goal has been to reduce the depth and duration of the uncertainty, and I hope I have been able to do so.
Finally, let me just say that when I complained to Shawn and Steph more than 5 years ago (telling them that while the candidates I was interviewing for an open position were good, but that I just couldn't get over how much better I thought they would be for it), I not only had no idea that they would have come and joined the team, but could not have imagined that they would be so willing to give so much in so many different ways, and would care so little for what title, role, function, pay, or other external signifiers that are so commonly so important to so many out there in the world.
So thank you everyone for having me back on the team and for your willingness to build something that is so inspiring. We have a lot of work to do now to grow it to benefit tens of thousands more while being sure it doesn't lose what makes it so special.
[no need to reply, just wanted to share some of my thoughts with you all]
husband & father; cyclist; former senior advisor in obama white house;
senior strategists for csforall; nomcon lead; owner of initial velocity...


text:
Friends and clients,
I write you today on the heels of the recent Fed decision to raise interest rates.
Don't worry. You won't see the cost of mortgages going up much. It's only a 0.25% rate hike.
However, as our Greenville economy improves, interest rates will likely rise further making it more expensive to buy a home.
If you're thinking of selling your home, this affects you now…
Your home will sell for its maximum price in 2016. The upcoming spring selling season is going to be hot.
Not many homes are for sale in Greenville – inventory is very tight.
Home buyers will also make motivated offers to get ahead of inevitable future interest rate hikes.
All this generates more demand for your home now.
As you know, home prices in…


text:
Jennifer Williams of "Basketball Wives" may be reconciling with her bestfriend Evelyn Lozada, but she could have found an enemy in Trina. "The Diamond Princess" said, on new song "I'm Back (Back 2 Business)," "Imma start smacking b*****s – Jennifer."
Was this a cheap shot at Jenn or just a reference to the show? Listen to the song and tell us!
RELATED CONTENT: "Basketball Wives" Reunion Clip: Shaunie Breaks It Down To Jennifer
Like HelloBeautiful on Facebook to stay on top of your favorite black celebrities
RELATED CONTENT: Evelyn Lozada: "I Broke The Friend Code, I Miss Jennifer"
More From HelloBeautiful


text:
A narcissist is a snake and you are its prey. A narcissist, like a snake, will play with you before you become its next meal. It doesn't matter how much kindness, fear or love you show. A narcissist feels no empathy and you will be devoured with no remorse.
A nurse was walking to the subway when he was startled by a black, shiny snake writhing on the pavement, flailing about as if it were about to die. Frightened, he turned to run when he heard a voice say:
Young man, please don't run. I'm about to die. I was in the back of a truck, in a cage that fell out. I was thrown under a tire and just barely made it out. I'm injured and without food and water I'll be dead in hours. Can you help me… please?
I would like to help you, I like helping everyone. But you're a venomous snake; you'll bite and kill me. I'm very sorry, but I can't.
No! I promise you. If you help me, I will not hurt you, you have my word. I believe in Karma – and if you helped me and I did you wrong, I would suffer 10 times fold.
The snake's eyes suddenly met the nurse's, hypnotizing him.
The nurse said in a somber voice:
I want to believe you, but I know I can't trust you.
Au contraire, young man. You have my word. I'm from the national zoo where they removed my fangs a while back; I couldn't bite you if I wanted to, I have my papers, too. You can see for yourself, they're by my cage over there.
He nudged his snout in the direction of a stack of papers; the RN grabbed them and read aloud:
BL Fangectomy: venom ducts occluded and removed, 4/4/13.
The nurse still wasn't convinced. So at the snake's recommendation, he contacted the Zoo's veterinarian on speaker phone, allowing the snake to talk to the vet, who concurred with his story. The nurse still worried that something was a foul. But he couldn't take his eyes of the snake for some reason; he was mesmerized by its beauty. For being a reptile that represented evil, deceit, and death… he was gorgeous.
He found himself almost hypnotized by the snake's eyes, unable to do more than stare at those beauties. He didn't want to oblige, but in an almost-dream-induced frame of mind he found himself dragging the cage from nearby, allowing the snake to enter, and then off they went. When he was able to catch his breath, the snake said:
Thank you, you're truly a kind and – you're an empath! And I owe you my life, I owe you everything for this, I love you, young man!
The nurse found this odd – he wasn't used to compliments period, especially from snakes. And snakes don't speak, snakes aren't kind, so he was surprised. But he felt special, it left him rather impressed. This was so uniquely symbiotic he felt a spiritual connection with the reptile. Never had the nurse met a person – let alone a snake – that was so goddamn charming.
So he nursed it back to health, growing to love the snake a bit. In a week the snake was all better.
And the nurse came to trust the snake like family it seemed. By the end of the week, he let the snake out of his cage, and before long the two were even sharing a bed together at night; it was an odd mix, but the nurse felt proud: he'd extended love to something dangerous, something in need, and showed it unconditional love — and in doing so, he showed the world that stereotypes and vilifying others simply for what they are was wrong, as he and his snake managed to defy all odds and show the world that, despite their differences, and with a little love, the two had overcome all odds and were the best of buddies; or at least that's what the nurse believed.
The odd pair enjoyed all their time together, watching TV at all hours of the night, laughing at sitcoms, getting riled up watching 'The Price is Right.'
After a long, 12 (really 14) hour shift, the nurse came home and stretched out on the couch when the snake slithered up to him, asking,
Can you scoot over a bit, so I can watch Bob Barker with you?
Why of course, my beautiful, black buddy.
As the nurse turned to his side he felt the most painful sting he'd ever experienced.
What the fuck? You bit me! You were lying all this time? What the fuck, your papers were fake, and the man at the zoo lied, too?
To which the snake replied:
He didn't do a damn thing wrong – I'm protected by HIPAA – even if I lie, he can't share my personal medical information with you, he'd be sued, he'd lose his job.
You not only have fangs, but I know you have venom because my… my… my whole body is burning, its swelling… blood is gushing out of my skin. How could you do this to me, after I saved your life?
The snake stuck up it's snout, venom dripping down it's beak, and hissed back:
Listen, faggot. You knew exactly what I was when you saw me. I'm a fucking snake – a cobra, I embody death – killing is what I do, it's ingrained in my DNA, this is my nature; and you knew this.
The nurse lay dying on his couch, crying, shaking in pain, agonizing in misery; he'd allowed the snake's beauty to blind him. His vision was soon overtaken by darkness, his eyesight quickly growing hazy as his eyelids began to swell so much he couldn't see a thing.
But… why? Why do this to the one person that has shown you true love? I wouldn't have ever stopped – I am loyal, you had it made here with me.
I'm a fucking snake, bitch! This is what snakes do! You chose to believe in a lie for God knows what reason: you don't get a brownie for that. I am what I am, I was born this way, just like you were born and empath fool. We'll stay this way until we die, which is pretty soon for you!
The snake then slithered up onto the couch:
These butt ugly Barker's Beauties are plucking my last nerve – they've had one too many a face lift, he needs to drop them all but he can't; they always sue his old ass for sexual harassment when he tries. So fuck Bob Barker, and fuck you! I'm watching Judge Judy now, and you can't' do a goddamn thing except die.
The snake continued in his nasty death-rattle tone:
I thank you for all you did, and for this lovely condo I can now call my home. Now, prepare to get to know me from the inside-out, you're going down my tummy.
He laughed as he began devouring the nurse. The snake grabbed the remote and took over the couch as Judge Judy screamed in the background… he felt like he was in snake heaven.
The snake didn't have a drop of remorse in his fangs. His snout smiled non-stop while he convinced the nurse to taste the forbidden fruit, relishing in the knowledge that it would lead to his untimely demise. The man was deceived by this snake in sheep's clothing, and that deception, along with his trusting ways, resulted in his exit from life that day, his body riddled with poison, his organs shutting down, and his vision being overtaken by the hazy darkness of death.
Just as Eve was deceived by a snake in the Garden of Eden, the nurse was deceived by a snake in his private garden, losing his home, his life, and everything because he trusted a very believable liar.
I experienced similar situations in my own life not with just one snake, but immediately followed by a second; these snakes were narcissists, so technically they look like human beings. But hiding behind the narcissist's charming mask lies a snake that will play with you, even treat you well before ultimately sucking every last drop of life out of you. I brought on my own demise by trusting them when I shouldn't have, even when I began to see red flags flapping in the wind. I've lost nearly everything as a result. Let my story be a lesson you can learn from.


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A Volkswagen executive accused of helping cover up the carmaker's emissions fraud is arguing that he was a minor player misled by company lawyers and information technology specialists.
The defense offered by the executive, Oliver Schmidt, which was laid out in court documents filed late Friday, could foreshadow his fellow defendants' strategies as the emissions scandal enters a new phase focused on criminal prosecution.
Other Volkswagen employees may argue they were trapped in a vast corporate conspiracy, portraying themselves, like Mr. Schmidt, as more victim than perpetrator. Such an approach could implicitly shift attention to top managers as Volkswagen tries to rebuild its reputation, stop a decline in its European market share and cope with technological shifts in the auto industry.
The carmaker took a step toward addressing criticism of its corporate culture last week by capping bonuses for top executives and tying their pay more closely to the performance of company shares. But such moves may be overshadowed by a steady drip of revelations by employees like Mr. Schmidt determined not to take the blame for company wrongdoing.
Volkswagen pleaded guilty in January to criminal charges in the United States related to the emissions cheating, but the prosecution of individuals is just beginning. Mr. Schmidt is one of six current of former Volkswagen employees indicted in the United States, and the only one in custody; the others are in Germany. He is the first of nearly 37 people under investigation in Germany to give his side of the story in court documents.
Federal prosecutors in the United States have accused Mr. Schmidt, a 48-year-old German, of knowingly providing false information to American regulators after they became suspicious about the emissions of Volkswagen diesel vehicles in early 2014.
The campaign of obfuscation and delay continued until September 2015, the indictment says, when Volkswagen confessed that engine computers in its diesel cars had been programmed to cover up emissions that were worse than those of long-haul trucks.
Mr. Schmidt details a much different version of events in documents filed by his lawyers in a bid to persuade a judge to release him from a federal detention center in Detroit. Mr. Schmidt has been held without bail since January, when he was arrested in Miami after spending Christmas with friends in the United States.
Mr. Schmidt's legal motion does not dispute that he acted as Volkswagen's liaison with regulators from the Environmental Protection Agency and the California Air Resources Board, the state agency known as C.A.R.B. that took the lead in exposing the emissions cheating. Alberto Ayala, deputy executive officer of C.A.R.B., said in an interview last year that Mr. Schmidt had presented him with binders filled with bogus technical information to try to keep the agency from discovering the fraud.
But lawyers for Mr. Schmidt, Volkswagen's former head of compliance in the United States, said in the court documents that he had been a largely unwitting accomplice. He was not a diesel specialist, the lawyers said, and in meetings with regulators merely did what Volkswagen lawyers told him to do.
"Mr. Schmidt's participation in these meetings was guided, at times, by internal legal advice, and given his lack of relevant technical expertise, he relied on explanations given by diesel experts," wrote Mr. Schmidt's legal team, which is led by David B. Massey, a New York lawyer.
The motion also sheds light on a question that has baffled other defense lawyers involved in the case: Why did Mr. Schmidt risk arrest by traveling to the United States?
Beginning in late 2015, Mr. Schmidt met twice with F.B.I. in London and Detroit, and three times with German authorities, according to the documents. He apparently believed that because he had cooperated, the authorities in the United States would have no interest in detaining him.
That expectation initially appeared to be well founded. Mr. Schmidt passed through the United States with his wife on the way to the Caribbean on Dec. 17, then returned to Miami on Dec. 24 to spend Christmas with friends. He was arrested at Miami International Airport on Jan. 7 as he was about to board a return flight to Germany.
Mr. Schmidt's lawyers said he would pledge most of his assets, including seven rental properties in Florida valued at $433,000, to win release. He would live with friends in Detroit, surrender his passport and submit to electronic monitoring of his whereabouts, they said.
Mr. Schmidt's lawyers also argued that he would not be any less vulnerable in Germany, which normally does not extradite its own citizens outside the European Union. German investigators searched Mr. Schmidt's home in Germany on Jan. 20, according to the motion, and consider him a criminal suspect.
"Mr. Schmidt understands that Germany is no place of refuge for him," the motion said.