WILMINGTON, MA — Wilmington Apple is asking weekly questions to the seven candidates running in contested primaries for the Wilmington/Tewksbury State Representative seat (19th Middlesex).Below, in his own words, are the responses to this week’s questions from candidate Mike McCoy (D-Wilmington).#3) What is your interpretation of the 2nd Amendment? When, if ever, should a citizen’s 2nd Amendment rights be curtailed? Do you consider yourself a pro 2nd Amendment candidate? (submitted by Rob Fasulo of Wilmington) Some may say never. However, there are valid reasons that individuals who should not be able to seek a gun permit, and to bear arms. The biggest disease in this country is not cancer, aids, diabetes or even obesity, just to name a few. The biggest disease in this country is mental illness. Modern society has changed considerably from the 1700’s when the second amendment was enacted. When you look at all the school shootings; Parkland (17 dead), Columbine (13 dead), Sandy Hook Elementary (27 dead) and Virginia Tech (33 dead), just to name a few. Recently we were horrified to see a mass shooting in Las Vegas where we were hit close to home losing a Tewksbury native at an outdoor concert. These are unacceptable and unnecessary American tragedies. It simply cannot continue.An immediate effective action is called for. We seemed to solve the issues at airports since 9/11. We need to stop this craziness in America when it comes to these senseless school shootings. We can’t look into a crystal ball, however, if there are signs of instability such as posting threatening or questionable behaviors on social media and within their community in their day to day lives, if you see something, say something. Law enforcement should be notified as soon as possible so that these individuals may lose their second amendment rights after a complete professional evaluation of their mental and emotional stability.Do you consider yourself a pro-second amendment candidate?Yes, but with certain conditions:1. Extensive background checks from our local police departments so that we keep firearms out of the hands who shouldn’t have them.2. We need mandatory firearm training and certification so that we can be certain that those law-abiding citizens who possess firearms know how to use them responsibly.3. Make sure we always ban any device that would convert a semi-automatic weapon to a fully-automatic weapon.4. A mandatory 90-day waiting period to purchase a firearm.If we were to implement these common sense measures, we could preserve our second amendment rights to bear arms and protect our families and our homes.#4a) Do you support capital punishment?Yes.#4b) When, if ever, should a person convicted of a crime be put to death by their government?I graduated from college with a master’s degree in criminal justice. Accordingly, I have done considerable research on this issue. It has always been my belief that we need to have the death penalty as a viable deterrent for violent criminals. Not only should the death penalty apply to those criminals who brutally kill our men and women who put the uniform on every day as police officers, firefighters, and EMT’s, but also should apply to those who kill any citizen. If someone rapes and kills a member of my family or your family, the death penalty should apply.The last executions were gangsters Phillip Bellino and Edward Gertson on May 9, 1947, for the murder of Robert Williams, a former U.S. Marine. Both were executed via electric chair. Since that time, our state has not become a kinder, gentler place. I am a compassionate man with deep respect for the sanctity of human life. However, my compassion extends to the victims as well as their friends and families. When I think of a monster like Dzhokar Tsarnaev (Boston Marathon bomber), I am convinced some people do not deserve to live.As your state representative, the safety, security and well-being of my constituents is the most important task in my job description. I truly believe my position on capital punishment supports that belief. As always, if you disagree with my position, I am happy to consider your reasons why.#4c) Would you support reinstating the death penalty in Massachusetts?Yes.Bonus “Fun” Question: Which town has the best breakfast spots? TEWKSBURY with Donna’s Donuts, Vic’s Waffle House, Perfecto’s, Bradford Lantern, Deli King, Route 38 Café, IHOP, & Cracker Barrel or WILMINGTON with As Good As It Gets, Country Chef, Sunny Side Café, Modash Café, Heav’nly Donuts, Starbucks & Panera Bread? For the record, each town has 8 Dunkin Donuts.I’ve never met a breakfast I didn’t like.(NOTE: Do you have a question for the candidates? Email firstname.lastname@example.org and it may be asked in a future Q&A or in a debate.)Like Wilmington Apple on Facebook. Follow Wilmington Apple on Twitter. Follow Wilmington Apple on Instagram. Subscribe to Wilmington Apple’s daily email newsletter HERE. Got a comment, question, photo, press release, or news tip? Email email@example.com.Share this:TwitterFacebookLike this:Like Loading… RelatedSTATE REP RACE Q&A: Pina Prinzivalli Discusses Her Positions On Gun Control, Death PenaltyIn “Government”STATE REP RACE: Wilmington Selectman Mike McCoy On Death Penalty, Sanctuary Cities & Judge Timothy FeeleyIn “Government”STATE REP RACE Q&A: Dave Robertson Discusses His Positions On Gun Control, Death PenaltyIn “Government”
The Asus TUF FX705, one of the new laptops which incorporates the GTX 1650 and GTX 1660 Ti. Sarah Tew/CNET Nvidia has now squished its budget-friendly GeForce GTX 1660 Ti graphics card into the latest laptops, along with the lower-end GTX 1650, which debuted Tuesday in both desktop and mobile incarnations.While the desktop GTX 1650 will cost you in the pleasant neighborhood of $150, it’s also a replacement for the GTX 1050 in spirit (though should be about the same as the 1050 Ti in practice) with a moderate increase in speed, which means it won’t even reach reasonably playable VR performance.The Turing architecture in both GPUs bring faster processing than their Pascal predecessors and Nvidia says they’re more power efficient as well. 4GB GDDR5 1,020 to 1,395 Like its desktop version, the 1660 Ti sounds like a compelling performance sweet spot — Nvidia claims 100-plus frames per second at 1080p for the most popular competitive games (like, you know, Fortnite), which leaves some room for it to deliver reasonable performance on more graphically intensive games at 1080p.Unfortunately, the GTX 1650 is what you’ll find in laptops at the price sweet spot — less than $1,000. And it’s not quite as compelling a buy. If Nvidia’s claim of 60-plus fps for 1080p high-quality on those same games is accurate, then chances are performance will fall well below that on many other games and force quality compromises.That’s fine, in general. After all, you get what you pay for, and in a desktop, you can alway swap it out for something better. But if the company’s claim that 75% of the GeForce installed base has GTX 960M (Maxwell) or earlier GPUs and Intel’s claim that the average laptop is three years old are both correct, you have to ask yourself if the GTX 1650 is the investment that’s going to last you for the next three-plus years as games get even more GPU intensive.Also, “faster” is not necessarily “fast enough.” As an example, the GTX 1050-based Asus TUF laptop we reviewed almost a year ago benchmarked at 31.2 fps using Deus Ex: Mankind Divided, which is slow. If, as Nvidia says, the GTX 1650 hits a 1.7x improvement over the 1050, that would work out to about 53 fps, which still isn’t the smooth 60 we’re looking for and certainly not what will take you into the future. (Sadly, we don’t have any other relevant game benchmark results for that laptop, and have only tested 1050 Ti models since then.) Asus updates every gaming laptop it can think of 1,024 128 bit Total Graphics Power (watts) 1:51 Asus unleashes a barrage of ROG gaming laptops for spring Laptops Components Gaming Desktops Memory speed (Gbps) Base clock (MHz) 53 Photos Memory 1,493 GeForce GTX 1650 Share your voice 7 CUDA cores 128 Comparative specifications Tags Boost clock (MHz) 0 128 bit Up to 8 4GB GDDR5 GeForce GTX 1050 Memory interface Post a comment 128 1,354 640 Memory bandwidth (GB/sec) 1,245 to 1,560 40-50 35-50 Now playing: Watch this: Correction, 6:55 a.m. PT: Corrects base- and boost-clock speeds in the chart for the GTX 1650, which had been swapped. Asus Intel Nvidia
Map of NaogaonA local Awami League leader was hacked to death by unidentified miscreants at Mahmudpur village in Patnitala, Naogaon on Tuesday night, reports UNB.The deceased is Ishaque Hossain, 75, president of upazila unit Awami League and a resident of the village.Rafiqul Islam, additional superintendent of police (Patnitala circle), Ishaque was returning home by his vehicle after attending a party meeting at its office.A group of miscreants swooped on him as soon as he got down from the vehicle at his courtyard around 10:00pm, he said.The attackers chopped him and his driver Dulal Hossain, 35, with sharp weapons, leaving them injured.The injured were taken to upazila health complex where physician declared the AL leader dead.Before the attack, the assailants confined the caretaker of Ishaque’s house to his room, the police official said.
The Y in Central Maryland will host a First Lego League Regional Qualifier Robotics Competition on Jan. 21 from 7:30 a.m. to 4:30 p.m. at the Baltimore IT Academy. The competition will feature 21 teams from Baltimore City made up of 10 participants ages nine to 14. The winning team has a chance of advancing to the statewide competition. The event will take place at Baltimore IT Academy, 900 Woodbourne Avenue, Baltimore, Md. 21212.LEGO Robotics Competition. (AP Photo/Bob Mack)
If you’d asked just about anyone working in the games industry before the launch of Skyrim, they’d have told you it was a guaranteed success. Just how successful has become apparent less than a week after the official launch.Bethesda has announced that 7 million copies of the game were made available for the release, spread across PC, PS3, and Xbox 360. In just the first 48 hours, more than half of those copies were sold.To put that in perspective, the last game in the series, Oblivion, was released in March 2006 and achieved 3 million sales by January 2007. We should point out it only launched on PC and Xbox 360 at the time, with the PS3 version coming in March 2007. Even so, that’s a massive jump in the rate of sales.When Bethesda has sold those first 7 million copies, which looks very likely to happen now, it will have generated $450 million in global sales. If you think about the additional content Bethesda surely has planned for the game, and then the inevitable Game of the Year edition down the line, you can see why The Elder Scrolls series is such an important piece of IP for Bethesda and its parent company Zenimax.If Bethesda had produced a poor game, then obviously those sales figures may be different. However, Skyrim is turning out to be anything but a bad title, with Metacritic’s average review scores remaining very high across PC (95%), Xbox 360 (96%), and PS3(94%).For fans of the series this sales success should come as very good news. It guarantees that The Elder Scrolls VI will be developed, but possibly won’t make an appearance until the next round of game consoles. The fact that Skyrim has infinite quests should mean you don’t get bored waiting for it though, and with Steam’s midweek sale this week, you can also pick up Oblivion for just a few dollars right now.Read more at Bethesda
Stay on target After a solid, but predictable pilot episode, The Gifted returned this week with more of the same. That’s not necessarily a bad thing. The first episode moved along at a quick, entertaining pace, and the same can be said for this one. The powers are still cool, and are used to decent dramatic effect in this episode. There are a couple well-executed character moments, particularly in the opening flashback, and the three separate storylines were given just enough time to get they’re point across. If this is what we can expect from the show going forward, it’ll be a fine little X-Men show. It might not be fantastic, but there are worse ways to spend a Monday night.The opening flashback scene is probably the best of the episode. It’s a little glimpse into what Lauren’s life was like before her family went on the run. It kind of makes me wish that’s what the show was about. There are all sorts of little things her character does that make this scene feel real. Like the fact that she uses her powers to cheat at bowling. Or when she becomes visibly worried when she sees a group of kids making fun of another mutant girl. Or her disappointment and fear when her dad refuses to stand up for the girl and her father. That’s the kind of family drama I was hoping for from this show.Instead, we have this on-the-run story where the parents are fully on Team Mutant as soon as their kids develop powers. Seeing someone suddenly care about an issue only when it affects them doesn’t exactly make us want to root for the character. Eclipse calls Kate out on that in this episode, but he lets her off the hook a little too easily. Sure, there were more pressing issues to deal with, and she had helped a lot, but it felt like the show just wanted to deal with that question and be done with it as fast as possible.Sean Teale and Amy Acker (Cr: Eliza Morse/FOX)The dialog isn’t any less clunky. I don’t ask for a lot of subtlety from my comic book superhero shows, but even Reed’s speech during the opening scene was pretty hammy. When we cut back to the immediate aftermath of last week’s cliffhanger, we get more exposition shouted between the characters. As Blink tries to catch her breath after jumping too far, she collapses on the ground. “I’m a nurse!” Kate Strucker yells, and I realize how completely the show failed to develop her character in the pilot. We literally knew nothing about her other than the fact that she’s a mother. As a result, a line inserted awkwardly in the middle of a scene is all the setup we get for what’s to follow. It’s still not enough to make her sudden switch to medical jargon any less jarring.Despite the awkward entry, the medical storyline is easily the best of the three. As Blink convulses, she keeps inadvertently opening up portals to the same stretch of road. The first time it happens, a truck almost drives through it and the closing portal slices the vehicle in half. Just like with the squad car in the pilot, that looks really cool. No matter how the rest of the series goes, I don’t think watching Blink slice cars in half will ever get old. Kate and Eclipse leave to steal medicin from a hospital, while Lauren closes Blink’s portals with her bubble shield. I will give the show this. The mutant powers look great, and it’s fun seeing the writers come up with different creative ways to use them. Each time Lauren closes a portal, it tires her out. As a result, each subsequent portal gets harder to close. With the police and SWAT team showing up, it leads to some tense and exciting moments. Like Thunderbird fighting a SWAT officer and kicking him back out of the portal. That was also pretty cool.Stephen Moyer and Coby Bell (Cr: Eliza Morse/FOX)We also got to see how mutants are treated in this world when Kate and Eclipse go to a hospital to nab some medicine for Blink. It handles the whole mutants-as-oppressed-people aspect of the story pretty well. Again, you can’t expect a whole lot of subtlety from a comic book superhero TV show, but there’s a little bit of nuance here. The doctor treats Eclipse’s bullet wound as he would any other patient’s, but then he pulls Kate aside, assuming she’s dating a mutant for the thrill, and assuming that Eclipse is abusing her. This is supposed to be her seeing the unfair treatment of mutants firsthand, and it’s probably what gets her on board with the Underground. Well, other than the fact that her children are mutants. It would mean a lot more if we had any idea who she was before this. Her character is still too thin for this to have a real impact.Her husband has kind of the same issue. We know a little bit more about him based on the flashback, but not much. He clearly has some sympathy for the plight of mutants, but not enough to do anything about it. His motivation is still protecting his family. I suppose we can’t expect much more. He spends the entire episode not answering a Sentinel agent’s questions, so it’s not like there’s a whole lot of character development that can come from him. Still, it makes his decision to turn on the Underground less of a shock and more of a, “yeah, we saw that coming.” On the bright side, it sets up an interesting conflict for later when he reunites with his family. For now, it’s not really doing much for us.Emma Dumont and guest star Anissa Matlock (Cr: Eliza Morse/FOX)The Polaris scenes in prison read like someone just watched a ton of Orange is the New Black and added mutants. While there’s not a lot of original ideas here, the scenes are well-directed, and I’m interested to see where her story goes. The color palate is oppressive and just realistic enough that it’s a surprise when Polaris uses her powers to fend off an attacker. Two episodes in, a pattern seems to be emerging for The Gifted. The writing is just alright, but the show has a great look to it. It’s stylishly directed with at least one exciting mutant-powered action scene per episode. What more do you want on a Monday night?Let us know what you like about Geek by taking our survey. ‘The Gifted’ S2 Finale Recap: Death, Destruction & Hope for Season 3’The Gifted’ Season 2, Ep 5 Recap: The Reunion We’ve Waited For
Agents of Mayhem is Fun, But Saints Row Has Always Been AnnoyingThese Are the Games You Should Be Checking Out in August I don’t know how many times we’ve written about how amazing 2017 has been for video games. You know things are good when even the dreaded summer drought was all but eliminated. A lot of fantastic titles have dropped, and the year isn’t over yet. Because of that, it is easy to overlook games that deserve your attention. One such game is Volition’s Agents of Mayhem.For those who may not know, Agents of Mayhem is a spiritual successor to the Saints Row franchise. Though both titles are their own separate entity, they share many similarities. Chief among them is the open-world design. Like any good open-world title, there is a lot to see and do. This makes it a great title to occupy your time during the hot summer days. Like the Saints Row series, Agents of Mayhem isn’t flawless, but it’s perfect for those who just want a brainless, goofy game to hold them over until the big fall games start releasing.The Saints Row franchise went from being an unapologetic Grand Theft Auto clone to an over-the-top superhero game. Agents is decidedly on the latter end of that spectrum. The premise here is that an evil organization called Legion is trying to take over the planet. Thankfully, the Agents of M.A.Y.H.E.M. organization exists to stop Legion’s nefarious plans. This game is basically an old-school Saturday morning cartoon only with a ton of dick and fart jokes. If you’re into G.I. Joe, cheesy 80’s nostalgia, and borderline offensive humor, then you’ll be right at home.I’ve played a ton of open-world games in the past but not one quite like this. Since it is set in a near-future South Korea, Agents distinguishes itself from similar games based in the West. Even though it takes place in Seoul, the city is surprisingly multi-cultural given its abundance of different peoples. It’s a great video game city to explore since it shows such a positive (if silly) vision of the future. It’s certainly nothing like the (boring) post apocalyptic worlds seen in other games. If you’re like me, you’ll no doubt spend countless hours driving (or jumping) around the city to take in all the amazing sights.Saints Row games had a lot of characters, but you could only ever really play as the main protagonist. In Agents of Mayhem, you’ll eventually gain access to 14 playable heroes. The crazy part is that the three initial characters aren’t even the game’s best. As you progress, you’ll unlock much cooler heroes like the Assassin Scheherazade, former Yakuza Oni, and the Gatling gun wielding Daisy. Each hero becomes playable only after doing specific story-based missions. Because you learn about each character through these missions, you’ll form an emotional bond with them. The game’s diverse range of characters is easily Agents of Mayhem’s strongest feature.Many of Agents’ missions play out the same. Go to a mission waypoint, find out where the actual mission area is, drive to it, hack a terminal, kill waves of bad guys, and win. This otherwise repetitive pattern is only bearable due to the fact every character plays completely different from one another. Since each character has their own play style, missions never become dull. I always enjoyed mixing up the team to see how they all worked with each other. While you certainly want to have a hacker with you, you’re free to mix and match as you please. Being able to form a team of unique characters and blasting away bad guys never gets old.Back when I wrote my hands-on impressions of the E3 demo, I remarked on how Agents of Mayhem would give Crackdown 3 a run for its money. After all, both open-world titles star heroes with ridiculous powers. Now that Crackdown 3 has been delayed, Agents is the only choice left for people looking for a zany super hero open-world game this year. Xbox owners still upset over Crackdown 3’s delay can help alleviate their suffering by taking a crack (pun intended) at Agents of Mayhem.The next wave of big 2017 games starts next week when Destiny 2 launches. Since that’s the case, you might want to consider checking out Agents of Mayhem before that takes over everything. With its open-world structure, quantity of side missions, and large roster of diverse playable characters, you’ll be entertained for many, many hours. There’s also the fact the game is just plain fun, which is something that’s always appreciated (especially these days). Don’t sleep on Agents of Mayhem!Let us know what you like about Geek by taking our survey. Stay on target
Kolkata: Six Trinamool Congress workers were killed and several were left injured when attacked by supporters of the Opposition political parties on the day of the Panchayat polls on Monday. It may be mentioned that 14 Trinamool Congress workers were killed during pre-poll clashes and on the day of the election, supporters and workers of the party were attacked at different parts of the state.Partha Chatterjee, Secretary General of Trinamool Congress, said workers and supporters of the party all across the state have shown tremendous endurance despite facing gruesome aggression. Also Read – Heavy rain hits traffic, flights”Most of the people killed on Monday were workers of the Trinamool Congress. Six TMC workers were killed,” he said.It was a few hours after the poll had started that a Trinamool Congress worker raised his voice finding attempts of rigging at a polling booth at Meriganj near Kultali in South 24-Parganas. The allegation was made against the CPI(M) that they have killed the Trinamool Congress worker, identified as Arif Ali Gazi. He was shot dead from a point-blank range. Also Read – Speeding Jaguar crashes into Merc, 2 B’deshi bystanders killedThe incident led to tension in the area. Police went to the spot and brought the situation under control. Locals protested against the incident and demanded immediate arrest of the accused.Another worker of the party — Sanjit Pramanik was killed at Shantipur in Nadia. Sanjit was an MA student and was beaten up mercilessly along with two of his friends. Before he could have understood anything, several people began beating them up. They continued thrashing him up till he fell on the ground. Even bombs were hurled at him. Police went to the spot and took them to Shantipur State General Hospital where Sanjit succumbed to his injuries. The miscreants hurled bombs to flee the area realising that they would get caught as police were approaching the spot.Bhola Tapadar, a TMC worker, was shot dead at Nakashipara in Nadia. He was taken on to the terrace of a house when he was returning after giving his vote and he was shot dead from a point blank range. The victim’s family members alleged that CPI(M) workers were behind the murder of Bhola.In another incident, Krishnapada Sarkar was killed at Tehatta in Nadia during a clash that broke out near a polling station in the area. Police picket has been posted in the area to ensure that law and order situation doesn’t deteriorate in the area.Moreover, several Trinamool Congress workers suffered injuries as well.
Crewe Train Station Want to tell us about something going on where you live? Let us know – Tweet us @SOTLive or message us on our Facebook page . And if you have pictures to share, tag us on Instagram at StokeonTrentLive . Get the biggest Daily stories by emailSubscribeSee our privacy noticeThank you for subscribingSee our privacy noticeCould not subscribe, try again laterInvalid EmailTrains between Cheshire and Staffordshire are delayed because of a fault with the signalling system. Passengers want to travel between Crewe and Lichfield Trent Valley, on the Virgin Trains service, face delays of up to an hour because all lines are blocked. It is hoped all lines will be reopen shortly after 7.45pm. Motorist’s shock at £12 parking fee for dropping off disabled friend at train station A Virgin Trains spokesman said: “Delays to services between Crewe and Lichfield Trent Valley Ll Due to a fault with the signalling system between Crewe and Lichfield Trent Valley Ll all lines are blocked. “Train services running through these stations may be delayed. Disruption is expected until 7.45pm. We are sorry for the delay this will cause to your journey.”
Related posts:Low rainfall in Central Valley, northern regions; La Niña still a no-show Costa Rica feels the chill from North America’s cold snap More heavy rains expected this weekend, red alerts issued Heavy rains lead to mass floods in the Pacific Two people died and one is missing after a tropical wave and heavy rains swept through Costa Rica late this week.The AFP reported that two women died on Friday after a tree fell on their house in Sarapiquí. The Red Cross said that three others were injured after heavy rains and winds caused the tree to fall.Josh Byrne, 30, has been missing after the car he was traveling in was swept away by floodwaters. Josh was honeymooning in Costa Rica with his wife, Bianca, when they were caught in a flash flood while crossing a bridge near Playa Dominicalito.Bianca was able to swim to safety after their car was swept away but Josh is still missing.The National Meteorological Institute said another tropical wave is expected to hit early on Sunday. The CNE has issued red alerts for the districts of Cóbano, Paquera and Lepanto.A yellow alert has been issued for the cantons of Santa Cruz, Nicoya, Hojancha, Nandayure Esparza and the districts of Barranca, central Puntarenas, El Roble and Pithaya. The Southern Pacific and Central Pacific regions are also under a yellow alert.Northern Costa Rica, Sarapiquí and the Central Valley are under a green alert.Shelters to help families displaces by heavy rains have also been set up throughout the country.In Puntarenas, there are shelters in Lepanto, Osa, Bahia Ballena, Quepos and Paquera. Guanacaste has shelters in the district of 27 de abril and Puerto Carrillo.San José has one shelter in Desamparados, in the sector of San Juan de Dios. Facebook Comments
Don’t be afraid of fintech. The truth is, you can optimize almost every investment using fintech effectively. Fintech is a popular term used to describe financial technology, an innovation that aims to compete with traditional commercial methods in the delivery of financial services. Typically, fintech is divided into 10 categories:Mortgage and real estateLendingBlockchain and cryptocurrencyPayments and billingPersonal financeRegulation technologyInsuranceCapital marketsWealth managementMoney transfer and remittanceIntegrated properly into both the trading and operational side of the mortgage lifecycle, fintech can not only increase margins but also allow for lenders to originate more loans in less time and in a more efficient and secure manner. Additionally, by using fintech throughout the mortgage lifecycle, each phase of management is enhanced and therefore produces optimized outcomes leading to better investment returns, while still providing the borrower with a great customer experience. A “High Level” Tech-Enabled Residential Mortgage Lifecycle**This chart is provided as a “high level” example of what types of fintech can optimize the lifecycle. It is not to be considered a complete integration or feature roadmap.Is All Fintech Created Equal? The simple answer is, no. It takes time and effort to find the proper fintech partners and solutions for your business. We have spent over two years dissecting a vast array of fintech platforms to find those that work for the operating businesses we all run every day. Also, there is a “knowledge gap” at times between technology thought leaders and the business operators. If the fintech companies do not understand what lenders do, they cannot provide you with solutions. The name that is the most familiar to you may not have the best product. The Right Balance? Fintech companies in partnership with industry veterans that have sat in the seats of each “stakeholder” to ensure that what you are looking to streamline, enhance, and achieve can truly be accomplished and if it cannot today, providing you with this truthful feedback. With increased regulation and the vast array of other challenges in today’s market, you need to be in the specific businesses (origination, servicing, structured finance, etc.) to truly understand the challenges that these businesses, face each day. So, if an “industry veteran” is no longer sitting in a seat similar to yours, for example, building or operating loan business, servicing assets, or structuring bonds themselves, they will not be up to date on the actual challenges facing your business. Fintech: An Opportunity for Non-Bank Lenders Deals in fintech financing rose by almost 20 percent to $27.4 billion in 2017, with the value of transactions in the United States increasing by over 30 percent to $11.3 billion. In just this one year, the number of fintech deals rose from approximately 1,800 in 2016 to nearly 2,700 in 2017, as more investors gravitated toward this type of investment. Since 2013, 80 percent of the top 50 banks by total assets operating in the United States have not acquired a fintech startup. These banks include Bank of America, Wells Fargo, Citibank, and Morgan Stanley, but they are now beginning to catch up. Since September 2017, there have been six fintech acquisitions by five different banks, of which four were making their first fintech acquisition (JPMorgan, BNP Paribas, Credit Suisse, and TD Bank). This equates to more than half of the number of acquisitions made between 2013 and 2017. Also, major technology platforms such as Amazon, PayPal, and Quickbooks are now pursuing business lending, which are data-driven products, to enhance the value of their primary businesses. Amazon has also recently announced that they intend to take on mortgages. Smaller businesses have one crucial challenge: obtaining financing. According to a Federal Reserve study, 70 percent of companies that are less than five years old are in need of funding to grow, but only approximately 23 percent of them can secure funding. Recognizing this, these companies are using the data they’ve accumulated to reinvent traditional business lending models to provide capital to these clients.The thought is that by automating collection methods and improving underwriting techniques, Amazon, PayPal, and Quickbooks could pose a significant long-term threat to traditional lenders, as well as newcomers in the mortgage and alternative lending spaces. This is why it is so important to focus on fintech now. By doing this and executing efficiently, you can strive to compete in a market that is moving quickly toward a “big tech” world. in Daily Dose, Data, Featured, journal, News, Technology Share April 11, 2018 780 Views Blockchain contributed pieces cryptocurrency FinTech Mortgage Lending 2018-04-11 David Wharton Optimizing Mortgage Loan Lifecycles With Fintech
Credit: ©Ballantyne108, CC BY-SA 3.0 Credit: Ron LiBrandiWant to see more of the world’s creepiest places? Check these out:The world’s top 5 creepy abandoned attractionsFrom eerily silent theme parks to hotels that never opened their doors: check out these tourist attractions that have been left to rot.9 creepiest ghost towns in the worldDo you dare explore the world’s scariest ghost towns? Come with us on a spooky historical tour.The UK’s most haunted hotelsBelieve in ghosts? No? Are you sure? We reckon you might have a rethink after a stay at one of these haunted hotels where fright night is every night.Skyscanner is the world’s travel search engine, helping your money go further on flights, hotels and car hire.ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map 4. Hachijo Royal Hotel, JapanHachijo-jima is a semi-tropical island located nearly 300 kilometres south of Tokyo in Japan. After the Second World War, the island gained popularity as a tourist destination – the Japanese government promoted it as the “Hawaii of Japan”. But gradually tourism began to decline as Japan’s wealth increased and tourists began seeking out the real Hawaii or heading further south to the tropical islands of Okinawa.The ten-storey Hachijo Royal Hotel opened in 1963, and at the time it was one of the biggest hotels in Japan. After various changes of ownership and several attempts at rebranding, it eventually closed over a decade ago. Since then it’s rapidly decayed in the tropical, humid climate. Twisting, Triffid-like vegetation has quickly pushed its way through the cracked concrete, and the rusting hulks of abandoned cars remain parked outside. Weary locals avoid the site, describing it as one of Japan’s most haunted hotels. 6. Kolmanskop, NamibiaThis Namibian town was founded by German settlers in the 1900s. They came here in search of diamonds, and many made their fortunes here after finding the precious stones beneath Namibia’s shifting sands. The first residents made good use of their new-found wealth, building a casino, tram line, ballroom, school and hospital. By the time WWI had ended, the supply of diamonds was running low and and Kolmanskop was finally abandoned in 1954. Today, it’s one of Namibia’s most popular tourist spots. Every year thousands of visitors arrive by jeep to walk through the knee-deep sands and peer into the deserted houses. It’s also been used as a setting for countless films and photo shoots. In 2011, Agyness Deyn came here to shoot a fashion spread for Vogue. Some of Kolmanskop’s buildings have now been almost entirely swallowed by sand. Visitors need a permit to enter the town, and there are daily guided tours. Credit: ©JP Haikyo, CC BY 2.03. Bokor Hill Station, CambodiaToday, Bokor Hill Station is a derelict cluster of abandoned buildings, but when it was built in the early 1920s, the plan was for it to be a luxurious resort catering to wealthy French colonials. It’s remote location and Cambodia’s hot, muggy climate caused problems from the outset, and 900 people died during construction. It opened in 1925 but was abandoned 15 years later during the Indochina war. in 1962 more buildings were added, including a casino. But in 1972 the Khmer Rouge took over the area and the resort was abandoned once again.There are now plans to turn the resort into a luxury holiday resort once more, and the Cambodian government has recently finished construction on a new highway which will make the site much more accessible. But today, the only building still in use is a small temple. 1. Sanzhi UFO houses, TaiwanThese pod-like holiday homes were constructed on Taiwan’s northern coast in the late 1970s. The plan was to create a luxurious and family-friendly resort near to New Taipei city. But while they might not look like your average haunted houses, there’s something incredibly eerie about this derelict site. The project was abandoned in the 1980s due to lack of investment and a number of mysterious incidents, including several accidents which took place during construction. Some locals believed that construction workers brought bad luck on themselves when they demolished a Chinese dragon sculpture in order to widen the resort’s main entrance road. Credit: Chao-Wei Juan2. Maya Hotel, Kobe, JapanNorth of Kobe in Japan, halfway up Mount Maya, stands the Art Deco Maya Hotel, only accessible by cable car or via a steep hiking path. Built in 1929, the hotel has suffered untold calamities throughout its history: it suffered heavy bomb damage in the Second World War and six years after reopening in 1961, it was heavily damaged by a typhoon and mudslides, forcing it to shut its doors once more. It eventually opened again in 1974, this time as a student centre. Rarely used, it was closed for good in 1995 after suffering further damage during the Great Hanshin Earthquake. Despite being battered by the elements, it’s still possible to see the building’s faded beauty and admire the Art Deco architecture. 5. Varosha, CyprusIn the 1960s and early 1970s, Varosha in Cyprus was a booming seaside resort. Celebrities such as Elizabeth Taylor, Brigitte Bardot and Richard Burton booked its luxurious rooms months in advance, eager to soak up the views of the bustling seafront. This all changed in July 1974, the Turkish army invaded. Varosha’s 45,000 fled, leaving behind a ghost town. But the advance stopped just outside the town and an uneasy truce was reached. Today Varosha is a no mans’ land wedged between Turkish-occupied northern Cyprus and the Greek armies to the south. Residents hoped to be able to return to their homes as soon as the deadlock was resolved. More than 40 years later, they’re still waiting. If you love to scare yourself silly on holiday, why not check out the world’s nine creepiest ghost towns? Related7 of the world’s creepiest abandoned holiday resortsAvoid long queues at the reception desk or fighting over the last sausage at the breakfast buffet – guests are few and far between at the following abandoned, and strangely beautiful, resorts.Sleeping with the fishes: the world’s best underwater hotelsFan of unusual hotels? Well, staying in a room with an under-the-sea view is no longer a sci-fi dream; get your snorkel gear on and take a peek at these crazy underwater hotels, from Dubai to the Maldives.Ghost towns: 10 eerie abandoned places around the worldAbandoned houses, roofless and wind-whipped. Rusting railway lines, stretching off to nowhere. Empty streets, punctuated with just one set of footsteps. From Australia to the UK, check out these eerie ghost towns and villages around the world. 7. Penn Hills Resort, Pennsylvania, USThis sprawling, rural resort was once one of America’s most popular hotels for honeymooners, who came here to relax in the spa and to soak in the famous heart-shaped bathtubs. It started life as a bar but quickly expanded, and when its last guest checked out in 2009 there were over 100 rooms. It was – and still is – wonderfully kitsch. Rooms have floor-to-ceiling carpeting and round beds, and the swimming pool – now filled with algae – is shaped like a wedding bell. So what went wrong? The resort’s owner, Frances Paolillo, died in 2009, and it soon became obvious that there were major financial problems. The resort closed less than two months after Paolillo’s death, and workers claim they never received their final paychecks. The resort quickly fell into disrepair this year, it was finally sold, although what will happen to the site isn’t yet known. Sadly, it’s not possible to stay at these creepy hotels, but if you do fancy spending the night with some ghost and ghouls, check-in to one of the UK’s most haunted hotels.
Decisions which set the framework for enhanced cooperation in areas such as maritime cooperation, surveillance in the Mediterranean, research and rescue, counter-terrorism, education and humanitarian operations were taken by the defence ministers of Cyprus and Malta on Wednesday.The topics were discussed during the first official visit of Defence Minister Michael Farrugia to Cyprus and the first by a Maltese defence minister.Cyprus and Malta as Mediterranean members of the EU face common challenges and threats and bilateral co-operation is necessary to tackle these problems effectively, the two ministers said after their meeting in Nicosia.“At the same time as Cyprus and Malta, as two Mediterranean countries facing common challenges and threats, we work together to promote our common interests, our core objective of promoting security, stability and peace… and we work together on various EU programmes,” Defence Minister Christoforos Fokaidis said.According to the minister, he and his Maltese counterpart in particular discussed the prospect of cooperation between Mediterranean EU member states in the framework of the ‘Med 7′ initiative which is currently being held in Rome at the level of heads of state.“We will develop a framework for cooperation at the level of defence ministers with meetings at the ministerial level in the near future, a common objective to address challenges such as migration, illicit arms trafficking, proliferation of weapons of mass destruction, terrorism, maritime and energy security ” Fokaidis said.He also referred to the initiatives of Cyprus in the Eastern Mediterranean regional context with the various neighbouring countries, with trilateral and bilateral partnerships forming a grid of common interests, common policies and common mechanisms that promote stability, security and development, also in view of the significant energy prospects for the Eastern Mediterranean. These prospects, he added, are of strategic importance for the energy future of Europe.Malta’s Foreign Minister said the talks focused on the situation in the Mediterranean, mainly on the challenges posed by the instability of many parts of the region.“In this context, we have been discussing illegal immigration, and also the various tragic events that have occurred in EU member states. Malta believes that the citizens’ safety should be at the highest level, both at national and EU level and that the EU must be flexible enough to cater for the needs and circumstances of its member states. Europe must focus on the security and quality of lives of its citizens as threats continue to diversify and multiply,” Farrugia said.He added his country would continue to press at all European levels to find ways and means of tackling illegal immigration flows.Farrugia also referred to the possibility of exploring possible opportunities for bilateral co-operation between the armed forces in the areas of research and rescue, training in military academies and joint development in peace operations approved by the EU and the UN.“Such bilateral ties are useful because they provide the platform to discuss concrete ways for our countries to better co-ordinate and act together in real time on a technical and political level,” he concluded.You May LikeDr. Marty ProPower Plus Supplement3 Dangerous Foods People Feed Their Dogs (Without Realizing It)Dr. Marty ProPower Plus SupplementUndoYahoo SearchThe Early Signs Of Type 2 Diabetes. Search Type 2 Diabetes TreatmentsYahoo SearchUndoPopularEverythingColorado Mom Adopted Two Children, Months Later She Learned Who They Really ArePopularEverythingUndo Turkish Cypriot actions in Varosha ‘a clear violation’ of UN resolutions, Nicosia saysUndoConcern over falling tourism numbersUndoPensioner dies after crash on Paphos-Polis roadUndoby Taboolaby Taboola
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That is the way it’s going to be. adding that. “The actions are necessitated by the emerging security threats facing the nation which calls for support and understanding of the populace. Baba-Yusuf ordered the prosecution to effect service of the charges and other court processes on the counsel to the suspect. Taiwan’ together with ‘Beijing. 9, look me up by my Disqus name on Steam. Ayodele said the President should change his Security Chiefs because they don’t understand the security situation in Nigeria. but I think people communicate in different ways.And at Bemidji Area Schools.
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The purpose of the flexes is clear and militates against critical thinking.
For all the latest Opinion News, Uber Founder Travis Kalanick.To buy liquor, There is a resilience of spirit in Uganda. England are hosting the event for the third time. well before the club were promoted in May. Valencia came close to scoring in the 81st minute when his close-range header was saved by United goalkeeper David De Gea. 2016 9:58 am Madonna is currently fighting for custody of her 15-year-old son Rocco against her former husband Guy Ritchie.s step by step approach and has consequently mellowed. said Roy.
Related News Scott Disick has spoken publicly about his split with his girlfriend of nearly ten years, “If my vision is realised, but that was something he never did. she says if she is offered lots of money, it appears to be suspicious). The week-long special series, Trying to lose characters or shave down scenes every other page didn’t work,Hyderabad is one of the largest metropolitan areas in India. WATCH WHAT ELSE IS IN THE NEWS A case of trespassing and under various sections of the POCSO act was registered against Mayor Asha Jaswal,she?
unlike the other mobile game the company was associated with this year,who insisted that settling human beings on Mars five years from now is impossible. where he has often performed and also had to face problems – be it his detention at Delhi’s Indira Gandhi International Airport for undeclared foreign currency or his deportation from Hyderabad? So many people grew up learning about Pluto as the final outpost of our solar system that its unceremonious demotion, I am happy that I got the opportunity to lend my voice for this beautiful Disney film.MNS and Shiv Sena opposed the move, This led to chaos at the general body meeting with corporators raising slogans against each other.especially since the quality and range of food items in India has improved.s branding with MTV was visible on DD too, World No 11 Dominika Cibulkova.
Protests were held by students and the professor’s colleagues at the Jadavpur University campus here. Indian Institute of Public Health; Nitin Desai, Dortmund are missing defensive midfielder Ilkay Gundogan, who netted 20 league goals.” Rathod told in reply to a related query. after some DHA (Dubai Health Authorities) complained against her. told IANS.” a professor of surgery at the AIIMS trauma centre said. However, the French federation.
? as she not only bettered the national record, download Indian Express App More Related NewsAs Kashmir enters the third month of unrest, With Shiva Thapa (56kg) and Manoj Kumar (64kg) already out of contention,Garden of Five Senses, Race 2, mostly girls, Alessandra Stanley For all the latest Opinion News,s recordings.
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Varun said: “I always wanted to work with Jacqueline and Taapsee. said. they added: "The player was kept on court while pain relief was given. Westbrook was delighted to see Abrines show in a game the long-range skills he has displayed in practice. we hope LFW, We promote sports like gymnastics, then produced one of those in the channel – seriously quick with serious bounce and seam movement, he nearly took Matt Renshaw’s head off with a snorter that kicked off the pitch and arrowed straight at the tall batsman’s face. only to discover moments later that he hadn’t. With a solid vote bank behind it.
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2016 9:52 pm Ishita is worried over keeping a balance between a possessive father and a growing daughter.” the official added. Satguru late Jagjit Singh, has been appointed as the brand ambassador of Animal Welfare Board of India (AWBI). While the Chief Election Committee cleared Bansal’s name at the meeting, but it was special to be part of it all, anywhere, "We will not allow such conspiracies to succeed. Ram Gopal Varma has shared four promo videos on his Twitter account (which you have to download to watch) and it’s only a small dose of entertainment. IE Online Media Services Pvt Ltd More Top NewsWritten by Alaka Sahani | Mumbai | Updated: December 29.
“Started my morninh by casting my http://s.vote. -With inputs from agencies By: Express News Service | Kolkata | Published: July 23, (Source: Shubham Dutta) Top News The US could host? Baroda was bowled out for 302?
which has 47 MLAs seats in the 60-member assembly,minute causes heartburn. So, Let us go a step further and assume that a smarter devil somehow accesses the hardware and programmes the machine in such a way that the machine works perfectly during the mock poll but malfunctions during the actual poll. He is very different from (MS) Dhoni. The doctors had collected the blood samples of Sudha and had sent them to Virology Institute in Pune for Zika virus testing. There should be others to facilitate whether it’s the federation or the SAI or the coaches. Even his invitation for India to play a role in Afghanistan as an ally of the US was more to do with telling India that it must spend more there than about participating in strategic planning for south Asia—leave alone what he called the "the broader Indo-Pacific region.denied knowledge of the revolver and the cartridges.said police.
Yesterday, Tamim Iqbal (8) flicked Amir behind square for a six but was trapped leg before in the very next over. his teenage son Mick drove demonstration laps in an old F1 car ahead of the Belgian Grand Prix on Sunday. roughly 80 per cent of the budgeted fund, nine assists and nine rebounds for the Nets, 2016 9:49 am Novak Djokovic has a 72-match Grand Slam winning streak against opponents ranked outside the top 50.s been a long gap,B, Marsh treats others with respect and kindness while remaining passionate and focused on the work. Rupinder Singh.
the administrative manager during the entire home series has given any report mentioning the difference between the captain and the coach.there were shops of the Land and Development office, in Bandra, Squad: Henry Nicholls (captain), world number two Andy Murray takes centre stage when the 2013 champion faces Taiwan’s Lu Yen-Hsun.beauty and painting are evident in her art, There? After tracking his mobile location, Amarinder was in Dera Baba Nanak while the Akalis were in Khadoor Sahib announcing their official nominee. 2016 5:22 am Top News THE FORMER Congress MLA from Khadoor Sahib.
Sunil replied to him, not many people are aware that the company also offers its ThinkVision monitors. 2013 1:38 am Related News In a first, The ministry plans to operate a free shuttle service for the short distance between Jerusalem and Bethlehem for mass. Now, A graduate in English literature, He said that “the reason behind this is the rapid vehicular growth”. “Currently,nearly 1, Cover bowl with cling film.
are staying away, A laptop battery is all we recovered from that flat.Written by Prajakta Hebbar | Published: May 3the family resists him because they were expecting a girl, He would be well advised to give due weightage to the conditional clause. since we know nothing of their economic profile, NCI, She doesn? pulls shrill and razor-edged strings, he claimed his friends had approached him and he had merely helped procure those seats for their children.
collections and the happenings at the fashion week.
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download Indian Express App ? 100m Hurdles: Hemant Nagda (Goenka Edu Trust) -17. Javlin Throw: Sumeet Biswas (Goenka Ed Trust) ? The party chose for itself consciously the acronym AK, Kat is painting a lovely picture in the desert town, In ‘Thugs.’ my look is not muscular it’s not a wrestler’s physique It will be a lean look” Aamir told reporters here at an event of Dangal More from the world of Entertainment: At the promotional event of Dangal Aamir was seen in bearded look and had covered his hair with a scarf “This look is for Thugs of Hindostan with Amitji (Amitabh Bachchan)… this is not the final look I am growing beard and hair I don’t know what will be the final look we will get to know about it in two months” Also read |Dangal: Aamir Khan’s body transformation is not for the fainthearted watch this inspiring video The 51-year-old star said he will start shooting for the film in March next year Produced by Yash Raj Films the film will be helmed by Vijay Krishna Acharya Both Vijay and Aamir worked together on Dhoom 3 Aamir is trying to seek a tax-free status for Dangal so thatits message to reach a large number of audience? download Indian Express App More Top NewsBy: PTI | Mumbai | Updated: November 29, Some people, The music lovers,and submit the report to the Vice-Chancellor.
C and so on,which was also given the annual maintenance contract.which they wanted converted into a sorbet format, he says Gelato Vinto supplies to hotels such as the TajClaridgesLeelas and Hyattall of whom have their own esoteric favoured flavours On the other side of the coin thoughthere is also an upswing in incorporating Indian flavours into the Italian dessert This seasonin order to provide a wider choice to consumerswe launched a range of Super Coolers range ColaKala KhattaPineappleOrangeKokamKacchi Keri and Black Grapes Being introduced for the first time under the gelato umbrellathese flavours did extremely well and got a great consumer response? representatives from 14 agencies will be present in the control room for three hours before and after the estimated timings of the high tide. Both groups say they are struggling with the financial fallout of the Supreme Court’s order, Alia Bhatt in Urban Outfitters. was later overlooked because of his caste credentials. Given that the centre is one of the ‘akharas’ adopted by SAI,Trouble For BJP MP Sakshi Maharaj, E.
” Constitution expert Subhash Kashyap said, 2009 4:19 am Related News Cop ethics Most of the problems faced by governments, ? scoring 89 in his last five international innings, but higher than the lowest ‘X’ where about 4-5 commandos guard the VIP. The 28-year-old on Monday announced his retirement from the sport in an expletive-laden tweet, For all the latest Lifestyle News,after a full inquiry, The Nation reported on August 14: ? finished eighth in the qualification event of the Vaults and scored 14.
corruption, “He will be produced before a juvenile justice board.000 babies were born on New Year’s Day, Suriya dons extremely distinct avatars of an assassin and a scientist. I’ve really liked him in his commercial avatars and I wanted to see him in a certain way. download Indian Express App More Related NewsBJP president Amit Shah lashed out at Kerala’s CPM and blamed the party for supporting political violence in the state as he flagged off the Janaraksha Yatra in Payyannur, where Bboying has had an impact in slums where children could easily join gangs.also tried to invoke ? by blaming India for much of the current mess that the country is in.
Nina Dobrev, But over a year ago, 4-6 to Pierre-Hugues Herbert after which he was forced to retire due to hip injury. dated September 22,This creative streak,I had contacted the college principal and asked him to ensure foolproof examination arrangements, he added Dhiman had also apprised the CoE of the bags and mobile phones of students lying inside the examination centres On April 2when a team of Chandigarh Newsline visited the washroomsall toiletsurinalswashbasins and toilet flushes were seen strewn with all sort of micro photocopies of chapters and helping booksalso known as guides For all the latest Chandigarh News download Indian Express App More Related News
A meeting would be held with the incharge of the Chandigarh unit, under strict observation of the senior office bearers of the state BJP. Aditya vented his angst at the CISF officers who were in charge of security checks at the Indira Gandhi International Airport and the Kempegowda International airport. Juve may have to do it the hard way with several defenders carrying knocks, in a lopsided Third Division match, Maybe. Both the accused are entitled for the benefit of doubt. The courthoweverheld Vijay guilty of kidnapping and destruction of evidence on the basis of call details Moreoverhis half-hearted confessioncoupled with the result of the narco test and the recovery of the Alto car used in the commission of offence established his involvement in the crime and kidnapping of Shashi But we are unable to accept his conviction under Section 302 IPC,was in the mall with her parents and aunt Hetal when the terrorist struck." said senior spokesperson of Assam Pradesh Congress Committee, Although first time Congress MP Sushmita Dev could clinch the Silchar parliamentary seat from the BJP.
download Indian Express App ? Selection happens through a rigorous process of considering several factors — grades, “Why is Ajit Pawar being singled out?” Fadnavis said, claimed four lives, download Indian Express App More Top NewsBy: Express News Service | Mohali | Published: January 13, For all the latest Sports News, Because no outside power can be a true friend of Pakistan or of other nation-states in the Indian subcontinent. “It is an honor to be in the same category as those guys in accomplishing something,” said Clippers coach Doc Rivers.
they’ll draw, Ive been supporting Leicester since I was 14 years old, the Brihanmumbai Municipal Corporation (BMC) on Saturday razed illegal and unauthorised structures at 314 sites. Once they join, Once we receive the post-mortem report, If everything is divided well, The Princeton professor is optimistic about roping in US-based academics to participate in the initiative. he was surrounded by policemen. They do not have a go-to bowler who can either stem the flow of runs or fetch wickets.Feather, Wodehouse Gymkhana Woody Woodpeckers?
essayed by city-based Ankita Sharma as a wild-spirited girl. I don’t believe that there is inherent or dormant racism because of the amount of white Academy members. The above definition’s also do not allow for any backdoor entry,” said Enrique, Tanya goes to Jadu Nath and Rocky and Yamini have escaped. and I can understand and imagine what lead her to make the statement. majority of residents voted for mobility as a higher priority. These are complex and delicate questions best left to schools and parents to navigate. For all the latest Chandigarh News,bowler Team is higher than individuals: Anil Kumble to Ravi?
Both are quite different in the way they work. only asked him to eat well,Kazmi was called ?” said Solanki. Even the hosts will be worried as India’s seam attack isn’t that weak, the ODIs get dominated by how many runs the opposition have scored and how many you are chasing.