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The 8 Stages to Snapchat's Extremely Buzzy 3-Year Ride at Cannes
From candid remarks to a Ferris wheel, it's been an intriguing run
The Snapchat-branded Ferris wheel at this year's Cannes Lions International Festival of Creativity is quite appropriate, as it's been a wild ride for the messaging app at the past three editions of the gathering in France.
Snapchat founder and CEO Evan Spiegel took Cannes by storm in 2015, at the ripe young age of 25, when he described the company's advertising plans in detail for the first time. It's been a process—here's how all of Snap's stages have played out in the last few years on the Promenade de la Croisette.
Stage 1. The "blank canvas" speech
Spiegel discussed the increased engagement brands were seeing from vertical ads, which occupy smartphones' entire screens without requiring users to rotate their devices, and he told Adweek:
A lot of folks in the transition to mobile—which is still ongoing—were taking video that was formatted for livestream desktop and TV, and they were jamming that creative into a mobile feed. That makes sense in the evolution from desktop to mobile, but since we started on mobile, it's a blank canvas … Our baseline was, (we want) full-screen. And in order to get full-screen, you've got to do vertical video.
Stage 2. Targeting? Bleh
Spiegel also explained his dislike of targeted advertising:
Some of the stuff that happens on the Internet—like when a product you didn't end up buying follows you around—that ends up feeling strange and maybe even winds up doing brand damage. We have a really big business here that also respects the privacy of people who use Snapchat.
We're going to stay away from building really extensive profiles on people because that's just bad and doesn't feel very good.
Stage 3. OK, maybe not—let's make some dough
One year later, Snapchat did a bit of a 180 on ad targeting with its introduction of its application-programming interface and debut of Snapchat Partners at the 2016 edition of Cannes.
The ads API brought with it targeting based on location, gender, wireless carrier, device type and content affinity, but those options were nowhere near as robust as what was offered by Facebook.
More important, third-party companies would be able to sell Snapchat ads for the first time as part of the Snapchat Partners program, and those partners were divided into two groups:
Ads Partners developed software for advertisers on Snapchat, enabling them to buy, optimize and analyze campaigns.
Creative Partners boasted social content expertise and experience with 3V, Snapchat's vertical video format, which was soon renamed Snap Ads.
Stage 4. Yeah, yeah, yeah, everyone wants data
Snapchat also used last year's Cannes event to announce advances in measurement in the form of ad performance scores from Moat and ad data from Google's DoubleClick.
Stage 5. Being awesomely stealth? Very Snapchat
And while Spiegel did not have anywhere near the public presence he enjoyed at the previous year's event, he apparently made quite an impression in private, appearing at a secret party for agency executives to talk shop.
According to reports, Snapchat went as far as hiring guards to keep the uninvited away from its secret meeting spot in the French Riviera, which, almost as a taunt, featured the iconic Snapchat ghost on its gate.
Marketing consultant David Deal shared his theory on Snapchat's strategy at Cannes Lions 2016 with Adweek:
Snapchat is reinforcing its image as the cool kids on the block by making brands come to Snapchat instead of the other way around. The approach of using a secret compound with guards and a branded fence allows Snapchat to poke some fun at its own ultra-cool image while making brands play ball on Snapchat's terms. I detect a sense of humor with the secret bunker, which works for Snapchat's playful brand.
After introducing its API, Snapchat needs to get down to the business of becoming an advertising powerhouse, and focusing on deal-making on its own terms makes sense.
Stage 6. OK, time to really grow up
One year after Snapchat Partners came Snapchat Certified Partners, an initiative to ensure that employees at participating ad agencies are fluent in the ins and outs of the messaging app, as well as the best ways to serve potential advertisers.
Snapchat chief strategy officer Imran Khan explained the motivation behind Snapchat Certified Partners to Adweek:
You really want to help your partners grow and learn. We've always been very focused on, "Let's not onboard advertisers just to onboard. Let's onboard them to be successful." And as a result, we have been very maniacally focused on measurement, ease of buying that brought in things like the API. Our view is that we have to take a long-term approach.
Our ad business is still relatively new, so educating people on our ad product, our creative, our measurement system—all of those things will help our advertisers to get better performance.
New creative tools and a self-service buying platform were also part of Snapchat's Cannes 2017 arsenal, with the latter, Snapchat Ads Manager, coming off testing by 20 companies.
As for the creative tools, we reported:
To that end, in July, Snapchat will roll out editing software dubbed Snap Publisher designed to make video ads in less than two minutes. Advertisers can chop their own videos up into 10-second clips or pick from a library of Snap-designed templates. A piece of code identifies video files to detect when a scene changes to help piece together different clips. Brands will also be able to test multiple versions of creative and then, based on the results, purchase Snap media straight through the self-serve platform.
Stage 7. 'OMG! We won 3 Lions!'
Snapchat parent Snap Inc. likes to remind people that there's more to the company than the messaging app, and this year's Cannes Lions reaffirmed that, as its Snap Spectacles sunglasses with built-in cameras took home three gold Lions—two in product design and the other in design.
Ruth Berktold, product design jury president and owner of Germany's Yes Architecture, told Adweek:
Even if the glasses might not be a problem-solver, they will have a lot of influence. The product itself is functional, it's beautiful.
We like the fact that it's a product that's out there already. We like the way it's working. It's a very simple interface, a camera in your glasses. We like the fact it really influences our younger generations. It's certainly something that will have a major impact.
Stage 8. This Ferris did not have a day off
And now, we come full-circle to the aforementioned Ferris wheel, which we described as follows:
The carnival-size ride is positioned in front of the Palais, where more than 15,000 marketers and creatives will appear this week. The wheel is decked out in Snap Inc. branding, including canary yellow paint and a ghost logo that appears in the form of a giant hubcap for the wheel.
The attraction is open from noon to midnight during the festival and features 21 cars that, at four passengers each, means 84 people can ride on the huge yellow contraption. Strategically positioned QR code-like Snapcodes unlock a festival-themed lens that overlays a pair of sunglasses and the word "Cannes" within the Snapchat app. Snap has also set up a Spectacles vending machine nearby, possibly to persuade marketers to check out its video-recording sunglasses.
Yes, it's been quite the whirlwind three-year ride at Cannes for Snapchat. What will next year's event bring? Stay tuned.


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Final Learning sagacity Final Learning Assessment Global modality Change Side A: at that place is evidence that the Earths average surface temperature has been on the rise over the expire atomic number 6. Projections are that if these increases continue, the Earths polar ice caps, especially those in the Antarctic in which most of the initiations fresh water put out is located, impart melt, causation the worlds ocean levels to good rise. Aside from the human cost, several(prenominal) species of flora and fauna that rely on these ice packs will be endangered. If the trend continues further, most of the institute masses closing curtain to the equator will become habitable to any life forms due to the extreme pepperiness that would be felt on a daily basis. 1. Rise in Average Temperature The Earths average temperature has already risen by at least 0.74°C in just the past century and much of the rise occurred in recent decades. (benefits-of-recycling, 2010). 2 . Global calefacient secern / Frequency of radical Weather Due to nursery gas concentrations, the heat trapped inner(a) the Earth is more zealous, causing an enhancement to the hydrological cycle. This creates the increased incidences of intense rainfall and flooding as well as droughts and heat waves.
Which brings upon massive crop misadventure especially in tropic and coastal areas. Heat waves nominate become worse, and this is responsible for deaths associate to it as well as numerous wildfires that damage the Earths afforest cover. (benefits-of-recycling, 2010). 3. Global Warming Evidence / Melting Ice and go away Glaciers Ice caps and glaciers in Anta! rctica and around the world are melting. Glacier home(a) Park has already muddled 123 of its 150 glaciers and the Bering Glacier has already lost over 20% of its separate and 11 kilometers of its entire length. saucy Zealands glaciers have also shrunk by about 26% indoors the last century. Throughout that time, the Tasman Glacier gelded by over a hundred meters. Indias Gangotri Glacier has also been...If you fatality to get a unspoilt essay, order it on our website: OrderCustomPaper.com
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The episode starts with Sid asking Ishaani to ask for whatever her heart wants. Ishaani closes her yes and sees Sid. She gets shocked and runs away. Sid shakes his head at her madness. Dr. Anjali asks Vardhan about the patient. Vardhan cooks up a story that the girl is poor and pregnant and has no one to take care of her, so he's admitting her out of humanity. Anjali says that she looks weak and and let her handle the case. She leaves to get her medical kit and Vardhan rushes her immediately into the secret room the moment Anjali leaves.
In the party everyone are dancing happily. Sid asks for Nurse Philo hand but Ishaani thought it's her and gets embarrassed. She dreams about dancing romantically with Sid. Ishaani drags Aasha's hands and she screams in pain. She agrees that she's right and she has fell in love with Sid. She closes her eyes and opens to find only Sid. She asks about the rest of the people and Sid is that everyone left when she was busy staring at him. He also says that continuous staring can make her fall in love too. He comes closer to her while she keeps moving back. He touches her sensuously and asks her to accept that she has fallen in love with him but she pushes him and move away. He pulls her back and it turned out to be a dream. She crushed Aasha's wrist in her dream turning it into red. Aasha leaves angrily and Ishaani is about to follow her but seeing Sid she runs back to her room.
Sid brings Chocolate Ice cream for Guddu and asks him to keep it a secret from mom. He says about Ishaani's party. Ishaani on the other hand with her friends cries for falling in love with a cheater like Siddhant Mathur. She keeps crying while Guddu says to Sid that he's in love with Ishaani. She asks her friends to keep it a secret from Rahil and Sid and takes Pinky swear from them. In the meantime Sid denies to Guddu having any romantic feelings for Ishaani. Guddu asks him to make his favorite Halwa and give to Ishaani.
Shashank enters Vardhan's cabin and finds Juhi there. He scolds him for buying second hand machines for his patients and best machines for Luxury ward. Vardhan points the budget as reason and Luxury ward is funded by outside. Shashank asks Juhi her opinion and Juhi sides Vardhan shocking even Vardhan himself. Shashank says that he thought Juhi will side him always. Juhi replies that she always Sides for Sanjivani. Vardhan enjoys their clash. Ishaani asks Aasha if Sid came. She sees Sid and hides. Neil and Aman tease /Sid for falling in love with Ishaani. He shuts them off and sends them away. He finds Ishaani and she tries avoiding looking at him.
Precap: Ishaani tells a story to a kid and Sid comes there. Ishaani says to herself to not get love interrupt her way


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AtlantiCare Regional Medical Center
Physician, Otolaryngologist
Egg Harbor Township, NJ
Otolaryngologists at this busy physician group specialize in disorders that affect the ears, head and neck. The group is supported by AtlantiCare's established, comprehensive surgery center. AtlantiCare's ENT group is experiencing over 30 % growth year over year and anticipates continuous expansion. This provider will join a well-established team of two otolaryngologist physicians, a clinical Audiologist and a physician assistant specialized in otolaryngology.
This primarily outpatient role includes on-call inpatient involvement and the option for General Surgery and Internal Medicine Resident teaching. This is a general otolaryngology position, although subspecialty expertise is welcome. If you are looking for Flexibility, Work/Life Balance, and to be a part of an organization you can be proud of; this opportunity is the one for you!
Southeastern New Jersey is a beautiful place to live and work, with pristine beaches and welcoming neighborhoods located on or near the water in Atlantic, Ocean and Cape May counties, to rural and urban settings. Enjoy access to excellent public and private schools in a region that abounds with history, culture, the arts, entertainment and recreation.
Come be part of an organization renowned for medical innovation and performance excellence. Here, you'll work with a team of like-minded colleagues and an exceptional staff in a collaborative environment. Best of all, you'll be backed by a health system that values your opinions and contributions, and respects your need for work/life balance and desire to make an impact.
Dream. Achieve. Inspire.


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9AM Special Offertory Music: Come To Jesus by Chris Rice, solo by Ken Dearstyne, Jr., w/ piano accompanient by Linda Ebersole.
Guest Preacher: Dr. Michelle Daniels, Christ Servant Minister and Lay Pastor Candidate
Sermon: Recalculating: Are We There Yet?
Scripture: Proverbs 3:5-6 and Psalm 27:11-14 (CEV)
To view the bulletin for this Sunday, please go to our Homepage and click on "Recently Published". All bulletins are posted as PDF files.
Podcast: Play in new window | Download


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Speed of business is one of the key competitive advantages that many organizations don't utilize effectively. Speed can have a direct impact on your organization's profitability and performance. However, the effective use of speed is counter-intuitive, because it isn't always about moving faster. It is about practicing responsible speed. That means knowing when to speed up and when to slow down in order to get better results.
See the correlation below in many key areas of your business.
Here are some examples of how speed impacts profitability:
- When implementing strategy and change effectively, you need to slow down to ensure it is done right. Reducing the speed and focusing on performance will increase productivity and profitability.
- When acquiring new customers, you want to accelerate the process. By reducing the time it takes to acquire new customers, you are able to approach more customers and reduce the cost of acquisition for each new customer.
- When hiring and recruiting new employees, you need to slow down the process to ensure the right people are being hired. Making the right hiring decision leads to reduced turnover and hiring costs, and therefore, increased profitability.
As you can see, there is a direct correlation between the speed at which an organization operates and the profitability it can achieve. Are you doing an effective job of managing speed in your organization?


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Bigg Boss 13 will see a lot of ups and downs in the coming week.
The contestants successfully completed BB Transport Service task Team A – Sidharth Shukla, Asim Riaz, Arti Singh, Shefali Jariwala, Hindustani Bhau & Himanshi Khurana win the task. Hence, the leader Asim gets a chance to choose two contestants to become the next captain.
He selects Shefali and Himanshi as the contenders. The other housemates have to pick any one member for captain. The one who gets more votes will become the next captain. However, after counting all votes, Shefali and Himanshi have tied. Hence, Bigg Boss asks former captain Arti Singh to select the next captain.
Who will become the next captain?
Watch this space at IWMBuzz.com for more updates.


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27 november 2020, 15:58
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11 december 2018
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|Alternative Title
|The Physiological Characteristics of Poterioochromonas sp. DO-2004 and its Potential Role in Cyanobacteria Bloom Control
|Thesis Advisor
|Degree Grantor
|Place of Conferral
|金藻poterioochromonas Sp. Do-2004 微囊藻 吞噬 自养 混养 环境因子 生理特性
|Poterioochromonas是金藻门(Chrysophyta)金藻纲(Chrysophyceae)色金藻目(Chromulinales)锥囊藻科(Dinobryonaceae)中的一属。本实验室在微囊藻的大量培养过程中分离获得了一株金藻Poterioochromonas sp. DO-2004,其营养细胞具有2根不等长鞭毛,能游动;具有色素体,能进行光合作用;同时还能吞噬引起水华现象的微囊藻,即其表现出混合营养生长的特点。在饵料充足时,Poterioochromonas sp. DO-2004 能够快速繁殖,短时间内生物量急剧增加。本文以Poterioochromonas sp. DO-2004 为研究对象,通过喂食人工培养的各种蓝藻,研究了其生理尤其是混养生长特性,包括各种环境因子对其生长和摄食饵料的影响,并开展了其控制微囊藻水华的初步尝试,为研究微型混养生物的生长特点及探讨其在控制藻类水华的潜力方面提供理论和实际指导意义。 经过大量实验发现:以藻类为饵料时,金藻Poterioochromonas sp. DO-2004不仅能吞食小于或与本身类似大小的运动或不运动的单细胞藻类,还能够吞噬由少量细胞组成的短的丝状或链状藻,其可吞噬饵料的大小范围为直径(或长度)不超过10µm的藻类。 通过对Poterioochromonas sp. DO-2004 在不同营养方式下生长情况的比较,本文发现金藻混养条件下的生长(比生长速率为0.252 ± 0.019 d-1)快于自养条件下的生长(比生长速率为0.151 ± 0.012 d-1),即喂食饵料藻能够显著促进其生长。进一步研究发现此株金藻不能长期以专性噬养或专性化养的方式生长繁殖。 以人工培养的铜绿微囊藻(Microcystis aeruginosa)为饵料,研究了起始饵料浓度、光强、温度和pH值等环境因子对金藻Poterioochromonas sp. DO-2004 生长和噬藻速率的影响,并对影响生长和噬藻速率的因素进行相关分析。结果显示:自养金藻生长的快慢与光强和温度强相关,而与pH值的相关性不显著。喂食饵料能显著促进金藻生长,其生长和噬藻速率与起始饵料浓度之间相关性强,它们之间的关系分别可以用Monod方程和Michaelis-Menten方程来拟合。提供相同量的饵料时,金藻的混养生长与光强相关性显著,而与温度和pH值的相关性不明显;其噬藻速率与pH值呈现强的负相关关系,而与光强和温度相关性不显著。除了在不同pH值培养液的生长外,混养金藻的生长速率与其噬藻速率之间存在强的正相关关系。结果表明适于Poterioochromonas sp. DO-2004生存并吞噬微囊藻的环境条件较广,这也是探索其控制微囊藻水华的前提。 通过对比研究了不同微囊藻藻株为饵料时金藻的噬藻速率、生长和细胞超微结构的异同。分组比较发现金藻对不同的无毒株或产毒株的吞噬速率相近;但综合对比发现金藻对无毒株的吞噬快于对产毒株的吞噬。低比例喂食不同微囊藻后混养金藻的生长均快于自养生长。混养金藻和自养金藻MDA和GSH含量组间差异不显著;同时,喂食不同微囊藻后混养金藻SOD和CAT活性组间差异不显著,但是混养组与自养组间酶活差异显著,且普遍混养组中抗氧化酶的活性较自养组的活性高。相比于自养金藻而言,混养金藻细胞超微结构发生一些变化,即,细胞叶绿体的个数增多,线粒体个体增大,嵴增多,并且喂食2周后,金藻仍能继续吞噬饵料,并且活动性好。总之,产毒和无毒微囊藻均有利于金藻的生长。 将少量金藻Poterioochromonas sp. DO-2004(103 cells/mL)投入高浓度人工培养的蓝藻(107 cells/mL)中,金藻能够快速吞噬蓝藻,短时间内显著降低培养体系叶绿素 a水平。同时,金藻能够进行快速增殖,其最大生长速率可达0.128±0.014 h-1,并且吞噬大量产毒微囊藻后金藻的生长和摄食行为并未受到影响,这进一步表明金藻对微囊藻毒素不敏感。另外,这种"暴发性"的快速繁殖导致了培养体系中金藻细胞叶绿体变小或者消失,同时出现大量的嗜锇滴;当其进入静止生长期后,金藻体内的叶绿体又重新出现,嗜锇滴消失。这一方面说明金藻具备控制蓝藻水华的潜力,另一方面说明可以将其作为研究光合作用器官发生和发展的模式生物,并且还可以为研究其他混养赤潮藻类的暴发过程和机理提供参考。 将室内培养的金藻和微囊藻转移到户外湖水中后,金藻不仅能正常生长繁殖,还能快速吞噬微囊藻。处理组实验装置中微囊藻的生物量在短期内急剧下降,水体叶绿素 a 浓度也持续下降至较低水平。
|Other Abstract
|Poterioochromonas sp. strain DO-2004, isolated from mass culture of Microcystis, can not only grow autotrophically, but also live on Microcystis. The present study attented its growth and ingest behavior along with different nutrition patterns, and focused further on the interaction between Poterioochromonas sp. and Microcystis in the following aspects: how fast was the growth rate of Poterioochromonas sp. when feeding on Microcystis; was Poterioochromonas sp. sensitive to toxic Microcystis; what was the environmental conditions for the growth of Poterioochromonas sp.. The answers to these questions may help illustrate the implications of this organism in dynamic of Microcystis bloom and explore the potential role of Poterioochromonas sp. as biological control agent. The results showed that this golden alga has size-based prey selectivity. Poterioochromonas sp. were able to swallow preys, whose diameters varied from 1 to 10 μm, such as M. aeruginosa, Synechocystis sp.,Gloeocapsa alpicola, Chroococcus sp., Chlorella vugaris, Chlamydomonas reinhardtii. And Poterioochromonas sp. could swallow not only the immobile algae but also mobile ones when the size was suitable. Poterioochromonas sp. could swallow short catenarian and filiform organisms (eg: Anabaena flos-aquae and Phormidium mucicola) whose total length did not exceed 10 μm. In different nutrition patterns, the growth rates of Poterioochromonas sp. were expressed in the decreasing order as mixotrophy, autotrophy, phagotrophy and osmotrophy. Feeding preys had a significant effect on the growth rate. Poterioochromonas sp. in mixotrophy (0.252 ± 0.019 d-1) reproduced more quickly than that in autotrophy (0.151 ± 0.012 d-1) when feeding on Microcystis aeruginosa FACHB469. And Poterioochromonas sp. could not maintain its growth only by obligate phagotrophy and osmotrophy. The shape and ultrastructure of Poterioochromonas sp. were diverse during the ingestion and digestion of prey. The growth rate of autotrophic Poterioochromonas sp. was affected by light intensity and temperature significantly, while the correlation between growth rate and pH was not significant. When providing preys, the growth of Poterioochromonas sp. was accelerated significantly. The growth and ingestion rate of Poterioochromonas sp. increased hyperbolically with prey concentration. When there was commensurate prey, the correlation between the growth of mixotrophic Poterioochromonas sp. and light intensity was significant, while the correlations between the growth and temperature and pH were not significant. The negative correlation between the ingestion rate and pH was much significant, while the correlations between the ingestion rate and temperature and light intensity were not significant. In a word, this Poterioochromonas has the ability to live and graze Microcystis in many culture conditions. In order to investigate whether Microcystis have negative effects on Poterioocromonas, the activity of several antioxidant enzymes and ultrastructures of autotrophic and mixotrophic Poterioocromonas sp. were compared. The results showed that both toxic and nontoxic Microcystis could accelerate the growth of Poterioocromonas. The contents of MDA and GSH between mixotrophic and autotrophic Poterioocromonas were not different significantly, while SOD and CAT in mixotrophy were much higher than those in autotrophy. The number of chloroplasts of mixotrophic Poterioocromonas increased and mitochondria became larger. In conclusion, both toxic and nontoxic Microcystis could accelerate the growth of Poterioocromonas sp. DO-2004. When added into high concentration of preys (107 cells•ml-1), Poterioocromonas sp. (initial concentration: 103 cells•ml-1) reproduced quickly. Unlike most daphnids and rotifers, Poterioochromonas sp. was not sensitive to toxic Microcystis. The growth rates of Poterioocromonas were among 0.079 - 0.128 h-1 for different conditions. The highest growth rate (0.128 h-1) was observed when feeding on Gloeocapsa alpicola in aeration. On the other hand, the biomass of preys decreased quickly. Chlorophyll a concentration decreased to 17-30% at 120 h for the aerated groups, to 48-75% at 120 h for the unaerated groups. The ultrastructure of Poterioocromonas sp. changed a lot during this special process. The chloroplasts of most predators became shrunken or disappeared in the first few days, and there were also many large osmiophilic globules located in the cytoplasm at the same time. When Poterioochromonas sp. entered a "stationary growth phase", their chloroplasts could appear again, and the large osmiophilic globules disappeared simultaneously. Field experiment in mini raceway ponds also confirmed that Poterioochromonas sp. affects the dynamic of Microcystis bloom significantly. In the treated ponds Poterioochromonas sp. increased quickly from 8.70×102 cells•ml-1 to about 7.7×104 cells•ml-1 in 3 d and M. aeruginosa PCC7806 decreased on the contrary. At the end of the experiment the residual Microcystis in the treated ponds was less than 5% of the control. This experiment demonstrated that Poterioochromonas sp. was able to grow and ingest Microcystis in the field and accelerate the disappearance of Microcystis. The present study had also shed light on the possibility of utilizing this organism, together with other agents, for the control of Microcystis bloom.
|Document Type
|Recommended Citation
|郭胜娟. 金藻Poterioochromonas sp. DO-2004生理特性及控制藻类水华潜力的研究[D]. 水生生物研究所. 中国科学院水生生物研究所,2008.
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Unemployment in Alberta soared to its highest rate in more than 22 years last month, even as economists continued to point to signs of a modest recovery heading into 2017.
New data released Friday by Statistics Canada showed the provincial jobless rate jumped to a full nine per cent in November, up from 8.5 per cent last month and 6.9 per cent a year ago.
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Alberta unemployment climbs to highest rate since 1994 as more people look for work Back to video
The last time unemployment climbed that high was July 1994.
At the local level, Edmonton's jobless rate was relatively unchanged, edging down 0.1 per cent from the month prior to 6.8 per cent — equal to the national rate. Calgary's unemployment number rose by the same margin, ticking up to 10.3 per cent.
In Edmonton's case, city economist John Rose said employment in the manufacturing, construction and energy sectors is continuing to stabilize following a period of significant decline from May to August this year.
"Now that we have some stability, we can look forward to getting into 2017, and as the other sectors start to move forward we will start to see some modest employment growth," Rose said.


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One year on from Australia's Royal Commission on Banking
The report of the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry (the Report), was published one year ago.
In that time, the Australian banking industry has felt a backlash from regulators and consumers, with 2019 ending with a politician lambasting the banks for representing the "face of unconscionable greed" at an annual shareholder meeting held in December 2019.
What was once seen as a chance to draw a line under the scandals has led to accusations that a golden opportunity to right the wrongs identified in the report, may have been let slip. Despite the inclusion of damning indictments of sales practices, management and governance throughout the 530 pages of the report, only five of the Report's 76 recommendations have been implemented. As one commentator put it, there have been more books published about the Report than recommendations actually enacted.
To mark the anniversary, the government has announced a package of draft legislation which is expected to take up much of the legislative agenda for the rest of the year. This includes proposals to establish a Financial Regulator Assessment Authority and an industry-funded compensation scheme of last resort, both recommendations in the Report.
The Report had much to say about a sales-driven culture which saw scandals such as 'fees for no service', where customers (even those deceased) were made to pay a fee without a service provided; a mortgage 'introduction' programme which went off the rails, netting introducers thousands of dollars in fees, with cash bribes given to brokers to encourage them to overlook fraudulent applications; and where financial services entities that broke the law were not held to account.
It was a climate in which the Queensland MP who led the inquiry into the collapse of a failed investment adviser, Bernie Ripoll, lambasted the financial planning industry for being without "professional standards, a code of conduct, defined educational standards and the commitment to a fiduciary type duty to customers that real professions have".
For Australia's corporate regulators, the report was universally hailed as a wake-up call, with the Australian Prudential Regulation Authority (APRA) admitting during hearings that it had not commenced court proceedings in the superannuation sector for over ten years. A former head of Australia's competition body severely criticised the APRA over its weak enforcement over the banking sector, calling it "extremely inadequate". It was revealed that major banks were taking an average of 1,726 days (or more than four-and-a-half years) to identify and report significant breaches of the law with regulators failing to step in.
So how have the Report's conclusions fared one year on?
The Report's findings
The Report found that in almost every case, the conduct in issue was driven not only by the entity's pursuit of profit but also by certain individuals' pursuit of gain. Sales became all important, with providing a service to customers relegated to second place. This behaviour was incentivised and rewarded by bonus and commission schemes that "measured sales and profit, but not compliance with the law and proper standards."
There was a marked imbalance of power and knowledge between those providing the services and those customers acquiring them. Individuals perpetuated this behaviour because they could. This was due to the fact that customers had very little understanding of the proposed transaction put in front of them as well as hardly any power to negotiate the terms.
Consumers often dealt through a financial intermediary assuming that the intermediary had their best interests at heart. But in reality, the intermediary was often paid by the provider and acted in the provider's interests.
Financial services entities that broke the law were not properly held to account. The Report said that misconduct would only be deterred "if entities believe that misconduct will be detected, denounced and justly punished." The payment of compensation is not enough and "wrongdoing is not denounced by issuing a media release."
Practical tips for financial institutions
The implications of the Report will resonate for banks and financial services entities worldwide.
Going forward, financial services institutions should pay as much attention to governance as to risk. In particular, focus on mapping out the connections in your organisation between remuneration and incentive practices, as well as conduct, regulatory and compliance risks. One major bank in Australia has announced it is scrapping bonuses for frontline staff, after the Report blamed the bonus culture for much of the wrongdoing.
Make clear the role of intermediaries so that the customer knows whose side they are on. The Report suggests a general rule that should apply throughout the financial services industry. An intermediary who is paid to act as an intermediary:
- acts for the person who pays the intermediary;
- owes the person who pays a duty to act only in the interests of that person; and
- ordinarily owes the person who pays a duty to act in the best interests of that person.
In meetings, ensure the customer is fully aware of what they are there to discuss. For example, a meeting or telephone call to discuss one type of financial product should not stray into discussing another unsolicited type of product without further agreement.
The drive towards new codes of practice and use of plain English in banking documentation will continue apace. Banks in Australia in July 2019 introduced a new Banking Code of Practice and have trained more than 130,000 staff on the Code's requirements. Many thousands of documents have been redrafted to make them easier to read in plain English and to require banks to give proper notice when the conditions of a loan are changing.
The new Code puts an onus on banks to exercise special care when dealing with vulnerable customers, requiring them to ensure such customers are treated with dignity and respect. The newly-created Australian Financial Complaints Authority (AFCA) will assess complaints against the new Code, whether or not the particular bank has signed up to it.
And it's the creation of AFCA that points the way towards more responsive handling of customer complaints. AFCA is a 'one-stop shop' government agency formed from the merger of three former departments, including the credit ombudsman, the financial ombudsman's office and the superannuation complaints tribunal. The new agency is receiving nearly 1,500 complaints a week, a 50% rise on the total number of complaints sent to the three former agencies. AFCA has started to 'name and shame' the firms involved in its determinations and says it will do so on a continuous basis.
What can Australian institutions learn from the UK?
The misconduct revealed in the Australian financial services industry by the Report - misconduct by mortgage brokers and financial advisers, the unsolicited sale of insurance products and failings in compensation practices and organisational culture - is not dissimilar to that which came to light at the time of the 2008 global financial crisis.
Similar to the APRA, the UK financial services conduct regulator, the Financial Services Authority (subsequently replaced by Financial Conduct Authority (FCA)), was criticised for its failure to supervise UK financial institutions closely enough, to stop them building up huge liabilities and taking on excessive risk, in the years preceding the fallout. The regulator subsequently moved to impose increased financial penalties on banks found to be involved in misconduct – including unprecedented total fines of just under £1.5 billion in 2015 in relation to the LIBOR matter – sending out a clear message of zero tolerance for misconduct to the UK's financial services industry.
Central to the FCA's regulatory and enforcement approach has been – and still is – its strategy of 'credible deterrence': it will take tough and significant action against firms and individuals who break its rules, reinforcing proper standards of market conduct, ensuring firms put customers at the centre of their business and securing redress for those affected. Since the financial crisis it has sought to do this in a number of ways, including by:
- Focusing on individual accountability. In 2016 the Senior Managers & Certification Regime came into force and, as of the beginning of 2020, now covers the whole of the UK regulated sector. The regime imposes a duty of responsibility on identified Senior Managers, meaning that if a firm breaches a FCA requirement, the Senior Manager for the relevant area could be held accountable if they did not take reasonable steps to prevent or stop the breach1. In Australia, the similar Banking Executive Accountability Regime (BEAR) came into full effect on 1 July 2019. It establishes heightened standards of accountability among authorised deposit-taking institutions and their most senior executives and directors.
- Focusing on the identification and management of conduct risk. The FCA wants firms to ensure good conduct at every level of their organisation. Firms must develop their own conduct risk strategy tailored to their business's specific risks and needs.
- Emphasising the need for the right culture and governance which is directed by the 'tone from the top'. More recently, the FCA has focused on diversity and its role in preventing groupthink and creating a healthy culture which allows individuals to speak out. The FCA considers diversity to be a 'commercial imperative' and has made clear that non-financial misconduct should also be taken into account when assessing an individual's fitness and propriety. In his speech in December 2018, Christopher Woolard, the FCA's Executive Director of Strategy and Competition (recently announced as the new interim Chief Executive of the FCA) said that "[The FCA's] message is clear: non-financial misconduct is misconduct, plain and simple."
- Focusing on the treatment of vulnerable customers, which has also been an area of reform in Australia. The FCA has published draft guidance on what its Principles for Business (being the fundamental obligations on firms as set out the FCA Handbook) require of firms involved in the supply of products or services to retail customers who are actually, or potentially, vulnerable. The FCA has consulted on the draft guidance, and, at the time of writing, its proposals are awaited.
- Ensuring that more users of financial services have a free, independent route for complaints. The jurisdiction of the UK's Financial Ombudsman Service (FOS) was extended in April 2019 to include small to medium enterprises (SMEs), as well as some charities and trusts, and personal guarantors of loans to businesses in which they are involved. Prior to this, only individual consumers and micro-enterprises could refer disputes to the FOS. The FOS's award limit was increased in April 2019 from £150,000 to £350,000, and its jurisdiction was also expanded to receive new categories of complaints In addition, in November 2019 the Business Banking Resolution Service (BBRS) was launched in the UK. This is a free, independent dispute resolution service, supported and funded by various banks to resolve disputes between them and eligible SMEs, who are not eligible to use the FOS. Still in its inception, its success as an avenue for dispute resolution is yet to be seen. AFCA may look to the UK FOS model and, indeed, keep a keen eye on the progress of the BBRS, to assess the reach of its own jurisdiction and award remit.
- Exploring the possibility of a duty of care on financial services providers. In 2019, the FCA consulted on a new overarching duty of care on financial services providers, either in the form of a statutory duty or one that is enshrined in the FCA's Principles – and possibly one that is actionable in the courts. Under Australia's Corporations Act 2001, as amended in 2012, financial services providers that provide product advice to retail clients have an obligation to act in the best interests of clients – and must follow a number of statutory steps when giving advice. Depending on the direction taken by the FCA, firms in the UK could end up with a duty that is not just informed by the processes which a financial institution follows, but on the outcomes achieved. The FCA is due to publish a further paper, seeking views on specific options for change which, at the time of writing, is awaited.
- Becoming increasingly interventionist. New powers enable the FCA to impose temporary product intervention rules without consultation where it considers it necessary to advance its objectives of consumer protection, market integrity and healthy competition. The most recent example of this is the FCA's ban on the promotion of high risk speculative mini-bonds to most retail consumers, which is in force for the whole of 2020. And investigations are started not necessarily as a means to enforcement, but as a 'diagnostic tool' to get under the skin of the facts at an early stage.
- Becoming more creative with its enforcement powers, impacting the commercial side of a firm's business by imposing recruitment bans and restrictions on acquiring new clients, in addition to, or as opposed to, imposing a financial penalty.
Given the current climate in Australia, it will be interesting to see the extent to which Australian financial regulators draw from the FCA's post-financial crisis approach. And, indeed there may be areas where the UK can also learn from Australia. For example, amendments to the Australian Corporations Act 2001, which came into force in July 2019, provide for a corporate whistleblowing regime which is, in some respects, stricter than the current (statutory and FCA) regime in the UK. Each jurisdiction should take the opportunity to learn from each other, to further better their own financial services regulatory regime.
Hogan Lovells Financial Services Disputes practice
Our Financial Services Disputes Practice has extensive experience advising major banks and financial institutions on a wide range of issues arising from the financial crisis. We acted for clients in the highest profile investigations of the time, such as the Libor investigations and follow-on litigation, FX benchmark manipulation and the Madoff fraud. As well as guiding clients through contentious investigations or representing them in litigation, having 'seen it all before' we are well placed as risk advisers to clients facing similar issues, and we would be happy to discuss with clients any of the matters covered in this briefing.
1. The FCA recently confirmed that it has enforcement actions open into 15 individuals who hold Senior Management functions (including in relation to culture and governance, financial crime, market protection and conduct rules).
The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.


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IFE, immunofixation electrophoresis
This blood test finds out if your body is making or losing protein in abnormal amounts.. It can also tell if you are having problems absorbing protein from foods.
This test helps diagnose or check on conditions linked to health problems like the blood cancer multiple myeloma.
For this test, your blood sample goes through a complex process called electrophoresis. This process singles out the different proteins in your blood. A healthcare provider then uses a dye to bind to the proteins and stain them.
Immunofixation "fixes" certain proteins into place with antibodies and then washes away the others before staining them. On a computer screen, these proteins form a pattern of bands. Peaks and valleys in the bands may mean that you may be making too many or too few of certain proteins. The band pattern is specific for certain diseases.
You may need this test if you have symptoms of multiple myeloma, multiple sclerosis, or other problems that affect how the proteins in your blood work.
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Test results may vary depending on your age, gender, health history, the method used for the test, and other things. Your test results may not mean you have a problem. Ask your healthcare provider what your test results mean for you.
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Other factors aren't likely to affect your results.
You don't need to prepare for this test. Be sure your healthcare provider knows about all medicines, herbs, vitamins, and supplements you are taking. This includes medicines that don't need a prescription and any illegal drugs you may use.


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Who are the women who write the history of the US Open?
by LORENZO CIOTTI | VIEW 1909
The US Open 2019 is upon us. There are tennis players whose names will be inextricably linked to the history of the New York Slam. These players have marked the women's singles from the origins of the tournament in Newport, when the played on grass-courts, to our days on the hard-courts of Flushing Meadows.
They did it by winning epic matches and conquering the love and support of fans and the crowd. Ellen Hansell was the first winner of the women's tournament, in 1887. In the first years of life the tournament experienced many winners, including Juliette Atkinson (3 titles) and Elizabeth Moore (4 titles), but the golden period came first, during and after the First World War, when Hazel Hotchkiss Wightman (4 titles), Mary Browne (3 titles), Molla Bjurstedt Mallory (8 titles, record) and Helen Wills Moody (7 titles) dominated the tournament for a period of 21 years!
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Maria Bueno (4 titles), witnessed the rise of Margaret Smith (5 titles) and Billie Jean King (4 titles), who challenged each other in a heated rivalry. Rivalry between the '70s and '80s that saw Martina Navratilova (4 titles) and Chris Evert (6 titles) as protagonists.
Between the 80s and the 90s the protagonists at Flushing Meadows were Steffi Graf (5 titles) and Monica Seles (2 titles). With the new millennium the stars were 8and some still are!) Serena and Venus Williams (respectively with 6 and 2 titles), Kim Clijisters (3 titles), Justin Henin (2 titles) and Maria Sharapova.
In the last 4 years there has always been a surprising winner; Flavia Pennetta, Angelique Kerber, Sloane Stephens and Naomi Osaka. Time is now come to write a new name on the golden book of the US Open.


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Job Description
For more than a century, Salt Lake Regional Medical Center has provided high-quality healthcare for residents of the Salt Lake Valley. Conveniently located near the heart of the city, this historic hospital remains one of the most trusted medical centers in all of Utah. Today you'll find the most advanced medical technology in a world-class facility, a staff committed to staying on the leading edge of healthcare and patients who still find the kind of comfort and caring for which Salt Lake Regional always has been known.
Some areas of expertise include: Emergency Medicine, Heart Care, Cancer Care, Women's Health, Men's Health, Diagnostic Imaging, Surgical Services, and Behavioral Health among others.
Certified Nursing Assistant (CNA)
- Assists patients with activities of daily living, provides basic nursing care to non-acutely ill patients and assists in maintenance of a sage and clean environment under the direction and supervision of the Department Director or Registered Nurse in charge of the team and/or unit.
- Demonstrates knowledge of the principles of growth and development over the life span a patient; possess the ability to identify each requirements relative to his or her age specific needs and to proved the care needed as described in the unit's policies and procedures skills check lists.
- High school diploma or equivalent.
- Certification as a Certified Nurse Assistant valid in the state of Utah.
- Current BLS issued by American Red Cross or the American Heart Association Healthcare Provider. Uploading a copy of your current BLS card to your application is strongly preferred.
- Able to communicate effectively in English, both verbal and written.
Steward Health Care is an Equal Opportunity Employer Minority/Female/Disabled/Veteran
"Salt Lake Regional Medical Center is directly or indirectly owned by an entity that proudly includes physician owners, including certain members of the hospital's medical staff."
Steward Hospitals are taking additional, necessary preparations to ensure patients can receive compassionate care in a safe, carefully managed environment – with confidence and without fear.
Our Safe and Ready program consists of a rigorous [five-point] standard ensuring patient safety, confidence and convenience:
- Expanded hours will allow previously canceled procedures to be scheduled as quickly as possible.
- Any COVID-19 related care takes place in designated areas away from other patients and their families.
- Emergency Departments are reorganized to be a safe place to treat all emergency patients.
- A stringent cleaning policy has been implemented throughout the hospital.
- A strictly controlled visitor and masking policy is required for patient safety.
You can rest assured that we have made the necessary preparations to provide care in a safe, controlled and professional way.
Application Instructions
Please click on the link below to apply for this position. A new window will open and direct you to apply at our corporate careers page. We look forward to hearing from you!Apply Online
Posted: 11/16/2020
Job Status: Part Time
Job Reference #: 40864


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The big question about Germany's newly agreed State Treaty on Gambling, is will it work this time? It is now with the European Commission in Brussels for approval.
The 16 German states or Länder, have agreed three previous state treaties, all with what many observers view as catastrophic consequences.
It led to what is potentially Europe's biggest gambling market failing to agree on internet gambling, for example, losing millions in tax revenues to the states. It also led to bitter recriminations from the arcades market that have complained about the states' determination to close them down, or at least severely restrict them.
The federal states this week submitted the fourth amended treaty for ratification by the EC, opening up the scenario for sports betting – a sector not legal, but also not illegal, effectively in limbo for years – becoming licensed. They already exist in one state, Schleswig-Holstein, which gave up in frustration at the in-fighting over internet gambling in its different forms, years ago and going independent of the other states.
Among other innovations is an overall gambling authority or gambling commission, that would be set up by one of the states, Sachsen-Anhalt, as the host. An online gambling market will be a key issue, although many observers feel that it is going to be so watered down that it will be unable to compete with unlicensed operators.
There will be a €1,000 deposit limit for players and betting controls such as limiting in-play bets are also in the final document. A maximum stake of €1 will be permitted for on-line slots and the play cycle must be at least five seconds, with a prohibition on jackpots.
Licence fees will be heavy and administered through a sliding scale depending upon turnover and there will be a ban on advertising during live sports broadcasting although teams will still be permitted to carry gambling logos on shirts and around grounds.
The State Treaty on Gambling, or Glücksspielneuregulierungstaatsvertrag, is due to come into force on July 1, 2021 demanding speedy passage to meet that deadline. Once EU approval is given, the bill will go to the individual states for formal ratification. Then the states will have the new law in their statute books until the end of 2028.
Comments from the German industry include one from Dirk Quermann, who represents the Gauselmann group on questions relating to online gambling. He said: "The timeline now is for the EU to consider it and approve it by mid-August, but as we think that Malta may submit a detailed opinion, this may be extended to mid-September. After that, and provided that there is no significant need for change, the state prime minister will sign the treaty and submit it to the 16 state parliaments for ratification."
His colleague, Katrin Koch (pictured), assistant sales director at adp Gauselmann, commented: "It is the first time that a state treaty takes qualitative criteria into account, which is a milestone in the German gaming regulations. Another milestone is the liberalisation of the online and sports betting sector and that needs to be viewed positively, as it has taken years to get to this point. It can also be considered the first step in the sustained strengthening of legal providers, although it needs to be further extended.
"So with the signing of by the federal states, nothing stands in the way of a new beginning for the gaming sector."


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*Due to COVID-19, our hirers activities are not currently running*. We have a number of permanent hirers using our facility to run various activities including yoga, karate and children's dancing. Enquire today to download the flyer with more information.
Key Information
- Day: 7 days a week
- Start Date: 13/04/2020
- Time: Various
- Duration: Weekly during term
- Costs: Enquire to hirer


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Vikram Pratap Singh scored the solitary winning goal against Vietnam via a penalty.
India versus Iran is set to be the showstopper of Group C at the AFC U-16 Championship. On paper, both were regarded as the better sides in the group and after their respective games, it will be interesting to see how managers Bibiano Fernandes and Abbas Chamanyan respond to the upcoming game.
Iran lost their first encounter against Indonesia 2-0, but it would be a grave mistake to take them lightly. The 2016 finalists are one of the better teams in the Championship and India, who won 1-0 against Vietnam, must prepare with more grit and speed for this fixture.
About the teams
Skipper Vikram and Melvin are expected to play on the flanks, with D'Mello playing as a striker
India can be expected to maintain its shape, and play the preferred 4-3-3 formation with Niraj starting under the bar. Bikash Yumnam and Thoiba Moirangthem can be expected to continue in the central defensive positions, with Gurkirat Singh and Shabas Ahammed continuing their good runs on the full-back positions.
Watch: Vietnam 0-1 India
In the centre of the park, Ricky Shabong, Bekey Oram, and Givson Singh Moirangthem can be expected to keep their places. D'Mello is expected to play up front. Ridge Melvin and Vikram Pratap Singh will need to link well against the next opponents to make sure India continues in the right vein.
India, though, needs to understand that Iran attack with width, press high and defence with a narrow shape. It plays with six defenders, with two sitting midfielders playing parallel to the full-backs. India is helped by the wing support of Ridge Melvin and Vikram, who're the key to creating chances against the Persian country.
The Iranians will be aiming to improve their finishing, which cost them their previous fixture
On the contrary, Iran play centrally while creating, and India's midfield trio will need to ensure heavy pressing to break down play. Thus, the midfield holds the key defensively, while the wings will be looked for inspiration in terms of creativity.
For Iran, they did everything right against Indonesia in their opener – held up the game-play well, were fast on counters and created chances that even Nicklas Bendtner could easily convert. Iran were caught on the counter, and some poor finishing on their end and some good finishing from Indonesia saw the game end against what they had wanted.
Watch: Iran 0-2 Indonesia
The team, though, looked in good stead, with four forwards pressing and the two central defenders sitting deep. Breaking this team would be difficult, and India would need some good coordination, or a moment of magic, to inflict another defeat on this side.
Iran had a really good outing in the last AFC U-16 Championship which was held in India back in 2016 and asserted their dominance in the group stages itself. They rolled through most of their opponents, including India and thumped Vietnam 5-0 in the knockout rounds.
They managed to oust North Korea before making their first AFC U-16 Championship final in eight years, where they would face a cruel defeat by losing on penalties to Iraq. If they find their scoring boots, India may get into some real trouble.
The Bukit Jalil Stadium will host the second game for India against Iran. Located in Kuala Lumpur, the stadium seats 87,411 and that can be intimidating for young players. Owned by the Malaysian Government, the stadium boasts of a grassy pitch and was renovated in July last year for this tournament. The match will start at 6:15 PM IST.
What to expect
A lot of contrasting game-plays. India will chase with pace for a result down the wings, while Iran will create something through the central lines. Vikram and Ridge hold the key, and Danu's finishing will have to be at its best to ensure India can usurp Iran's domination. Meanwhile, coach Bibiano will be aware of the Iranian threat, and will need to grill his defence differently to ensure they don't find too much space.


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HomeElectronicsWearable TechnologyAccessoriesReady Stock❤Fashion Smart Bracelet Bluetooth Waterproof Smart Wrist Watch Heart Rate Blood Pressure Monitor Sport Fitness Tracker
Shipped from abroad
Ready Stock❤Fashion Smart Bracelet Bluetooth Waterproof Smart Wrist Watch Heart Rate Blood Pressure Monitor Sport Fitness Tracker
3 out of 5(1 rating)
₦ 11,119
₦ 27,82960%
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Seller Information
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Seller Performance
Order Fulfillment Rate: Excellent
Quality Score: Excellent
Product details
- Would you like to find a kind of smart Fitness Bracelet, which is fashion and intelligent? SWS-T5FJY Smart Bracelet gives the feel you like. Please check below information.
- 1. IP68 Waterproof: The bracelet is designed with a closed structure. Reach IP68 waterproof standard, don't worry if you wash your hands and swim.
- 2. IPS big Screen: Colorful touch IPS big screen, move with your heart, reject the mediocre black and white screen, showed dates, time, steps records, calories and distance, four watch face can be customized.
- 3. Step counting: This interface mainly displays the total number of steps counted on that day
- 4. Calories: This interface mainly shows the total number of calories burned in the day.
- 5. Distance: This interface mainly shows the total distance of the day.
- 6. Heart Rate Monitoring: The watch will measure the user's heart rate under this interface. After the test, the watch will vibrate and the result will be displayed.
- 7. Blood pressure and Oxygen Track: The watch will measure the user's blood pressure under this interface. After the test, the watch will vibrate and then display the result.
- 8. Sleep Monitoring: The watch will display the user's sleep time for last night.
- 9. Multiple Sporting Mode: Long press touch button for 5 seconds to enter the sport type selection interface, click touch button to select the sport type, walking, climbing, cycling, table tennis, badminton, football and swimming, more accurate data, more accurate measurement. You can check your sport status during your wear your bracelet.
- 10. BT Camera: Remote take picture to enter the camera mode, the camera icon will be displayed on the smart bracelet. Click the camera icon, you can remote control camera.
- 11. Information Display and Call notification: After the phone and the bracelet are connected to Bluetooth, receive instant messages, such as ins, Facebook, text messages, etc. the bracelet will vibrate to remind you, swipe the screen to see the content of the messages.
- 12. Find the phone: Long press (touch button) for 3 seconds to find the phone, and the phone will ring.
- 13. Sedentary reminder: Can set default time, the bracelet will remind you to walk in a vibration, more concerned about you than you.
- 14. Alarm Clock Remind: When your setting alarm time comes, the bracelet will prompt: the alarm icon will swing and vibrate.
- 15. Stopwatch: Long press in the stopwatch interface, start timing. Touch again to stop timing and long press the touch key to exit.
- 16. Auto Detect Heart: The bracelet will automatically to check your heart rate.
- 17. Drink water remind: Set the drink water time interval(minute), turn on drink water reminder mode. Click finish. When the time vibration and the reminding icon will flick.
- 18. Raise Hand: Turn on the raise hand button, whenever you switch your band when you wear your band to your hand, the screen will be active.
- 19. Do not disturb mode: Just set from time to time. Turn on the do not disturb mode, click finish. The watch band will be quiet and go to do not disturb mode.
Key Features
- Mode: SWS-T5FJY Fashion Smart Watch
- Bracelet size: 260*42*6 mm
- Body color: Silver, Rose Gold
- Bluetooth: Support BLE4.0
- Waterproof Rating: IP68
- Display type: 1.04-inch colorful display
- Touch screen: single touch control
- Resolution 128*96 pixels
- Battery Type: Polymer lithium battery
- Battery capacity: 150 mAh
- Charging time is about 60 minutes
- Working time: 5-7 days
- Standby time is about 20 days
- Material: Metal shell +Milanese stainless magnetic strap
- Working temperature: -20 ° C ~ 50 ° C
- Vibration motor: support
- Heart rate chip: support
- Motor: built-in, vibration reminder
- Main Functions: Heart rate monitoring, Blood pressure, blood oxygen monitoring, Sleep monitoring, Exercise Step, Calorie Consumption, Exercise Time, WeChat Sport, Call reminder and display, Message push and display, Remote photography, Automatic test heart rate, Multi-sport mode, Sedentary reminder, Alarm setting
- Standby interface: Four dials can be customized
- Support mobile phone system: Android4.4 or above and IOS7.1 or above
What's in the box
- SWS-T5FJY Smart Bracelet x 1;
- Charging Cable x1;
- User Manual x1;
- Features: Heart Rate Monitor
- Color: Silver, Rose Gold
- Main Material: Metal,Stainless Steel
- Model: SWS-T5FJY Fashion Smart Watch
- Production Country: China
- Product Line: APOLLO
- Size (L x W x H cm): 10 x 8 x 8
- Weight (kg): 0.15
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Ready Stock❤Fashion Smart Bracelet Bluetooth Waterproof Smart Wrist Watch Heart Rate Blood Pressure Monitor Sport Fitness Tracker
₦ 11,119
₦ 27,82960%


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Automatically playing similar songs. To disable, switch Autoplay to 'OFF' under Settings
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2 States - Shankar Mahadevan, Amitabh Bhattacharya, Akriti Kakar, Shahid Mallya, Gaurav Gupta, Siddharth Mahadevan
2 States - Shankar Mahadevan, Amitabh Bhattacharya, Gaurav Gupta, Siddharth Mahadevan, Rasika Shekar
D-Day - Gaurav Gupta, Arun Ingle, Devendra Chitnis, Mani Mahadevan
Music Cafe - Shahid Maliya - Gaurav Gupta, Akriti Kakar, Shahid Mallya, Shankar Mahadevan, Siddharth Mahadevan, Amitabh Bhattacharya
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How to add a custom thread to an existing thread profile
Tips and Tricks Articles • Naqibullah M • 25 September 2019
Trying to create a thread profile in Solidworks from scratch can be a hustle sometimes, therefore using the existing thread profiles is less time consuming and prone to be errors free.
This blog shows the steps to duplicate and edit existing thread profiles without altering the original thread files.
1. Go to options > File Locations > from the drop-down menu choose thread Profiles > observe the location as shown below:
2. Open the desired thread file, in this case, Metric Die is chosen from the location observed in the previous step.
3. Once the file is opened, switch to Configuration Manager tab and then add a Configuration as shown below:
4. In the Configuration Properties panel, add the custom thread's name and description accordingly i.e. M52x2. Set the BOM options to Configuration Name as shown below. Click OK once done.
5. As shown below, switch to the Feature Manager Tree and edit the Profile Sketch.
6. Save As the file in the same location, with a different name i.e. "Metric Die 2".
7. Create a new Part file.
8. From the Features Tab and under Hole Wizard, choose Thread as shown below:
9. Select the edge of the cylinder for thread location.
10. Under Specification, choose the custom thread type saved earlier and choose the custom size accordingly.
I hope you find this blog helpful
Naqibullah M
Applications Engineer
Central Innovation, QLD
At Central Innovation, we can provide all – or part – of the solution. Including SOLIDWORKS, ARCHICAD, and many more industry-leading tools.
It's something we've been doing for almost 30 years. Our commitment to customer service is second to none: we help you get the best out of your technology.
For a truly unique solution to your unique challenges, please contact us. Or read about some of the great services and solutions we offer.


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It comes equipped with all the standard amenities for your driving enjoyment. Comfort and convenience were prioritized within, evidenced by amenities such as: fully automatic headlights, telescoping steering wheel, and cruise control. It features an automatic transmission, front-wheel drive, and a 2 liter 4 cylinder engine.
Our sales reps are knowledgeable and professional. We'd be happy to answer any questions that you may have. Come on in and take a test drive!


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A place that has been on my travel bucket list for simply ages has been Edinburgh. Having been sent a postcard of the castle when I was about 16, I instantly fell in love with the city and knew I needed to visit. And this summer, I had the chance to tick it off my list.
Let me just tell you – Edinburgh did not disappoint. From the moment I first properly saw the city I fell in love with it and I am certainly not finished with the city yet.
I wanted to write this blog post because, despite dreaming of going to Edinburgh for such a long time, I actually had absolutely no idea about what to do in the city. I mean, I knew I wanted to do the castle but other than that I had no idea. So, I want to write this blog post as a little bit of a hints and tricks post and a little bit of a suggestions post. Plus, it's a great opportunity to gush over the pictures I took which is becoming my new favourite past time.
The Lothian Bus and Tram App.
Ok I'm going to get this one out of the way quickly because – well, let's face it – it's boring. Because we went during Fringe (which meant the entire city was heaving) we actually stayed in student accomodation a little way out of the centre of the city. As a result this app became our saviour. Not only did it tell us which bus routes to get but which bus stops were closer, how long buses were going to take, and had a live map of buses and how to get to the bus stops! Trust me, when you are two directionally challenged tourists in a strange city, this is amazing. It also allowed you to track the bus as you were on it so you knew which stop to get off of at which was vital – especially when we missed our stop once and ended up half an hour off course! I'd really recommend travelling by bus and using this app as it is a great way to experience the city. We bought a £4 dayrider ticket each day and it earned its value back every time. 10/10 would recommend.
Edinburgh Dungeons.
I won't lie. When we went to Edinburgh, I had absolutely no intention of doing an attraction that I could do in London. Sure, it would be slightly different, but I incorrectly thought that once you've done one, you've done them all. It was only when we found ourselves at a loose end (after making a mistake and buying a Fringe show for a different day than planned) that we thought 'what the heck' and went. And oh-my-goodness… It was one of my favourite things from the whole trip. It was such a fun and immersive way to learn about Scottish History and I am now 100% a convert and will do one in any city I find them. My sister (who had never done a dungeon experience at all) was terrified through out (and I had to keep telling her not to swear at every scare) but absolutely loved the experience. I would thoroughly recommend this experience, even if you're not a huge fan of scary experiences, but it is just honestly fantastic.
Hop on, Hop off City bus tour
Even with our trusty dayrider tickets, I knew I wanted to try a bus tour. We picked this one because the tickets were valid for 24hrs and we could hop on and off whenever. And boy, was it worth it. It was slightly pricey but I would still recommend the experience. We had found that (somewhat unintentionally) we had spent all our time near the Royal Mile and actually there was so much of the city we hadn't seen. I wished we had done the tour at the beginning of the week as we may have explored more and ventured outwards but it has left me hungry for more. It was a great way to experience the city and the tour was really interesting.
Edinburgh Castle
Here we have it. The main event. The reason I had always wanted to go to Edinburgh. Did it live up to the hype I hear you anxiously ask. Did you love it? Yes … And no.
I absolutely adored the castle and learning about its history. The castle has honestly been through so much and is just as impressive as the city. My one criticism of the castle would have to be with the management of it. There were absolutely no queuing systems or one way systems. Oh dear, here we have it. A Brit living up to her stereotype. But honestly, the lack of order meant at times it would be chaos. No one knew which direction to go which meant that everyone would be walking on top each other. It also meant going in and out of rooms and buildings was ridiculous because there was only one door used for entering and leaving. For a business (which it is) that takes so many customers each day and has done for so many years, I find it impossible to believe that no one has thought of a better system. A bit of rope doesn't cost an awful lot and would make me feel better about spending such a large price on the ticket. So I would recommend the castle but I would recommend seeing if you can get slightly cheaper tickets if you don't by directly from the castle and accept the fact you will be walked through and stood upon.
Walk through the lanes.
I honestly can't recommend enough just walking through the old town. With its interesting architecture, I can promise you it is the gift that keeps on giving. I would really recommend the grass market because it is stunning and a lovely place to eat.
So there you have it: a break down of my advice from Edinburgh. It was a truly wonderful trip and I am definitely hungry for more. Until next time Edinburgh.


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The Rob Ford mayoralty situation in Toronto is just like trying to get rid of a Condo Commando. These are tenacious troublemakers for condominium boards. They are the bane of property managers and boards because they use the Ontario Condominium Act to terrorize the condo to get their way. Whether they are right or wrong is irrelevant as little else gets done while the war continues. Rob Ford is just like a condo commando on a much larger scale and even more difficult to control.
And the fault for both situations can be laid with the Ontario government. The laws governing the Corporation of the City of Toronto are cluttered, confusing, contradictory, and created by and for lawyers. They enrich the legal profession and beggar the rest of us. And if Rob Ford takes the city council to court, he just might be a bigger fool than we thought. It is a conflict that nobody can win.
The same Ontario Legislature wrote the Ontario Condominium Act. If people in Ontario had to pass an examination on the Condominium Act before they were allowed to buy a condominium apartment or town house, there would be very few condominium homes in this province.
And it never has been who is right or wrong. City Council in Toronto has just trampled over the power of the mayor. They have created a precedent that can now be used by any council against any mayor in the province. It is a threat. It crushes what little authority mayors previously had. They never really had much other than what custom allowed. Now they can be second-guessed at any time.
The province will have more and more civic conflicts. The Legislature will have to take the blame for more and more conflicted councils. And when the councils become conflicted, the civil servants will play. It all becomes an anti-democratic shambles.
The province has a responsibility to fix this. In the same way that it is looking at fixing the Condominium Act, it needs to look at how municipalities are supposed to function as opposed to how they really function—or not.
And in a city the size of Toronto, the citizens have to have responsible government. The city's governance can no longer be left to a haphazard resemblance of democratic action. The people elected by citizens of the city must choose their own mayor. It must be a fellow councillor who can garner the most support. Sure it can cause party politics. It will enable the voters to know what they are voting for. It will create stability. It could even be honest government.
Copyright 2013 © Peter Lowry
Complaints, comments, criticisms and compliments can be sent to email@example.com


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Technology is changing healthcare and digital is changing the way that consumers are thinking about their health. So how can your healthcare business insert itself into your customer's health journey?
One in 20 searches online are related to health and this is a huge number when you consider how many people are searching every day. This shows us that people are looking for more control over their health and this is even evident by the apps that many people have on their phones – there are apps for virtual trainers, counting your steps, sleeping and counting your calories.
Digital allows us to make healthy living fun. Devices are helping us lead healthier lives, from Fitbits to onesies for babies that monitor their heart rates. In the digital age, people have many more options than they've ever had before, but this makes our jobs as marketers even harder. How do we get in front of our customer at the right time and place? Traditional path to medical treatment started with: stimulus (we get sick), the first moment of truth (we reach out to friends and family to get advice where to go and who to see), the second moment of truth (we actually go to the doctor, maybe tell our friends about them if we liked them). But the traditional model is being challenged now.
Whereas a lot of ads for healthcare were on television, many people just don't see them anymore with the number of people who use PVR to skip the commercials. Studies have shown that more time is spent online than on TV – plus, think about all the times you have been on your smartphone while watching TV! Now, digital has disrupted the traditional path to treatment, with the "zero moment of truth" coming after the stimulus in the traditional path to medical treatment – people are starting their own research process online. So take your message to where the people are!
Search is indispensable in the patient journey
People are using search engines to find information about their conditions, the treatments and symptoms. Most search paths start with non-branded search terms during early research and nearly half finish on a branded term. Plus, the more times a person searches, the more likely they are to convert into an appointment. It takes an average of 15.3 searches before an appointment is booked. In addition to this, 60% of people like to research to validate what their doctor has told them so there is still the opportunity to capture customers even after they have seen their healthcare practitioner.
Display engages and educates
Mobile is a constant research companion – 61% of people are searching for answers to their problems at home and 16% are searching while in a doctor's office. Mobile is driving the "near me" searches, e.g. coffee near me, gym near me or dentist near me so the goal with mobile should be to give people the health information they need – and quickly. 77% of people will switch sites if they don't find what they're looking for quickly. You need to provide customers with a frictionless experience and make it easy for them to use.
Online video informs and connects
79% of time online is spent doing something else, like going on apps like YouTube or visiting sites like WebMD, Cooking Lite, etc. so it's important to think about capturing your audience in places other than the search results pages. Consider an online video campaign to successfully inform and engage your customer: 1.Details about a treatment procedure
2.Patient testimonials
3.Symptom or condition overview
By the numbers:
• One in 20 online searches are health related
• 80% of us go online to look for healthier options when it comes to fitness, diet and even what vitamins we should be taking
• 70% of hospital traffic comes from search
• 43% of respondents say that internet-based resources are their go-to source for health and wellness information
• 77% of online health inquiries start online
Want more information on how to grow your healthcare business online with Google? As a certified Google partner agency, we can help you get started.


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21 January 2019
Dear traders,
We would like to share December trading results of FreshForex traders. Check out our report about the best trades and the most interesting assets for trading and set your own records!
Clients' results
$5 822 is the most profitable December trade! It was Buy position of 16 lots for GBPUSD, order was in market 11 days.
1 387% is the biggest increase in funds within the month, the client achieved such a result by trading CFDs for energy.
The most active trader made 3 673 trades in December! The client traded major currency pairs and CFDs for stock indexes and preciuos metals with the help of Expert Advisors.
$149 534 is the best total trading result of December! The client traded only two currency pairs EURUSD and GBPUSD.
76% of all the December trades were profitable.
61% clients with deposits larger than $10 000 closed this month with profit.
The Most Interesting Assets
At the beginning of the year we are observing splash of activity on financial markets because of many news releases. We would recommend to consider oil and stock indexes, which are rising again after the fall.
The world's leading stock indexes are in a strong uptrend because of the trade negotiations between USA and China. The sides may reach the agreement till the end of February. Investors are actively buying stocks all over the world. This trend is likely to continue in the coming weeks. Buy-trades on indexes #HSI, #SP500, #DAX30 and #NQ100 might bring profit of $13 452 - $15 460.
Starting from January 1, 2019 OPEC+ agreement on oil output cut by 1.2 million barrels per day came into effect. Earlier, when the cartel cut the output, we observed significant rise of oil quotes. Now we can see the same tendency. Buy-trades on #Brent and #WTI might bring profit of $33 645 - $37 532.
For more information about volatile trading instruments of the month check out our Forex Heatmap!
If you have any questions, don't hesitate to contact us:
Good luck in trading!
FreshForex — forget other brokers.


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Add some dimension to your log set by adding the Kingsman Decorative Log Bits - 4-piece. This set comes with four large wood piece that you can place around the burner.
Material: Cast Concrete
Type: Gas Logs Only
Style: Charred
Fuel Type: Natural Gas | Propane
Location: Indoor
Items Included: 4 large pieces
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Kingsman MultiSided Ventless Log Set 34inch
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Superior WRT35ST Wood Fireplace
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Kingsman Direct Vent See Through Fireplace
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58inch Diameter Kingsman Flex Kit
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You've been invited into the Kudos (beta program) private group. Chat with others in the program, or give feedback to Atlassian.View group
Join the community to find out what other Atlassian users are discussing, debating and creating.
Good morning Atlassian Community!
As summer winds down, we've revved up at Atlassian with some major updates in cloud, announced just last week. Our founder, Scott Farquhar, wrote a great blog on the Atlassian Blogs page that summarized all the latest and greatest in cloud, all meant to support our customers' choice and security requirements.
Some of the announcements he talks about includes:
New premium plans for many of our cloud products with advanced features and support
New free plans of Jira Software, Confluence, Jira Service Desk, and Jira Core
Discounted prices for academic and non-profit customers
New tools that strengthen control, security, and trust.
These updates are designed to meet our customers where they are and give them the capabilities they need to get work done, no matter their size, industry, or location. The changes will also improve the transition to cloud, and provide better data control and security.
To get all the details on the announcements and Scott's on the benefit of the changes, read on at https://www.atlassian.com/blog/platform/cloud-premium.
Thank you,
Keri MirielloAtlassian Team
Product Marketing Manager, Cloud Platform
Hey there, community! Hope everyone is well and safe! ✨ The last few months have been busy – especially with the judging + picking of our Codegeist 2020 winners, the launch of Atlassian Ventures, a...
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