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Banks face up to new TLAC investment rules in Japan
A surge in international bank issuance has carried on almost uninterrupted in the yen market this year, even after the Japanese Financial Services Agency raised the bar on investments in total loss-absorbing capital (TLAC).
TLAC has been a driving factor behind a lot of the debt issued by global systemically important banks (G-SIBs) in recent years. But in 2019 the JFSA made it more punitive for bank treasury investors to invest in TLAC paper from financial institutions.
The agency introduced new rules from April that mean Japanese banks with TLAC holdings worth more than 5% of their core capital will have to put a 150% risk weighting against any additional purchases of TLAC-eligible senior debt. This is much higher than the 20% risk-weight the bank treasuries had previously had to apply to nearly all of their TLAC senior bond purchases.
Despite the changes, foreign banks have remained very active in the yen market in 2019. They had supplied Japan with ¥1.22tr ($11.12bn) of debt issuance in the first eight months of the year, having sold a staggering ¥1.97tr in 2018. That's partly because the new risk-weight system has not completely drained demand for TLAC paper in the yen market, as Japanese investors of all types continue hunting for new sources of yield. And smaller banks subject only to the minimum requirement for own funds and eligible liabilities (MREL) in Europe have also been able to benefit recently, given that MREL-eligible senior bonds have remained subject to a 20% risk weight in Japan.
Amid the healthy volumes of international bank debt supply in yen, some issuers have been experimenting with new approaches and formats. Newcomers have leaned on the Tokyo Pro-Bond market as a gateway to yen liquidity, while stalwarts of the Samurai bond markets have considered whether there might be value in complementing their funding strategies with Euroyen deals in Japan.
Finally, talk is also beginning to turn about the possibility of a burgeoning green bond market in Japan.
GlobalCapital asked prominent borrowers in the yen market for their thoughts on what has been a very interesting period for international bank issuance in Japan.
Participants in the roundtable were:
Alessandro Lolli, head of group treasury and finance,
Intesa Sanpaolo
Peter Green, head of public senior funding and covered bonds, Lloyds Banking Group
Roland Charbonnel, director of group funding and investor relations, BPCE
Vincent Robillard, head of group funding and collateral management, Société Générale
Tyler Davies, moderator, GlobalCapital
GlobalCapital: How would you describe the financing conditions we have seen in the yen market this year? Would you say that it has been a good year?
Alessandro Lolli, Intesa Sanpaolo: Up until now I would say 2019 has been the year of the euro market. Many big US corporates have visited the euro market, for example. And at the end of June, consistent with Intesa Sanpaolo's business plan presented at the beginning of 2018 by our CEO Carlo Messina, we issued a €2.25bn dual-tranche deal of five and 10 year bonds in euros, which was the largest euro transaction on record for an Italian bank and was priced between 30bp and 35bp, respectively through BTPs. That gives you some idea of just how compelling the euro market has been in terms of both size and cost.
In a sense it has taken some supply away from the dollar and the yen market. If I look at the numbers on the Japanese market — including Samurai, Tokyo Pro-Bonds and Euroyen deals — I see that in 2018 we had roughly $3.25bn in issuance and year to date we have about $2bn. So the volumes are lagging behind a little, though it is not a dramatic decline.
There has not been any weakness in the Japanese market; it is just that the euro market has been extraordinarily strong. There is still a lot of potential for issuance in the Japanese market. Japanese investors are thirsty for yield and they are very willing to buy international issuances.
Roland Charbonnel, BPCE: I would say that funding conditions have improved across the year in some ways. It is our usual policy in the public Japanese yen market to do two bond issues each calendar year. We did one transaction in January and one in June, but the spread levels were very different at these times.
In January spreads were quite wide because of issues around the US-China trade war and also partly because of the monetary policy of the US Federal Reserve. We would probably have postponed the bond issue, but we had not been very active in any currencies and we didn't want to end the month without having done any funding. The resulting deal had five tranches, including both senior preferred and senior non-preferred notes. It was our biggest ever bond issue in the Japanese yen market, at ¥163.6bn, and the demand was definitely tilted towards the senior non-preferred bonds. At the time we were paying a high single digit 'diversification premium' over our euro levels —except for the 10 year senior non-preferred tranche where we had an arbitrage versus euro.
Spread levels then tightened quite a bit between January and June. For our deal in June we paid a smaller 'diversification premium' compared with the January issue — it was in the mid-single digits rather than in the high single digits. The June bond issue was smaller though, at ¥62.1bn overall. Only ¥6.5bn was in senior preferred format and ¥55.6bn was in senior non-preferred, so again the demand was tilted towards the non-preferred notes because they give more yield to investors.
GlobalCapital: Lloyds and Société Générale have both been active in the yen market this year: how have you found funding conditions?
Peter Green, Lloyds: Overall, I'd describe the conditions in the Japanese yen market as supportive and pragmatic. Funding volumes seem to be lower, but the investor base continues to be supportive to trades despite the more challenging macro backdrop. For instance, when we did our trade it was against a backdrop of UK specific and global macro headlines. The investors stayed the course though and we were delighted with the outcome we achieved.
The main change in conditions this year has been the divergence in demand from investors for TLAC versus MREL. G-SIB issuers have met with lower levels of demand for senior non-preferred or holdco issuance, given the higher risk weights that apply to TLAC issuance versus MREL product — regional support for TLAC trades has generally been lower.
Vincent Robillard, Société Générale: This is true that the regulatory change introduced by the Japan Financial Services Agency in April this year had an impact on demand for TLAC eligible instruments, especially from regional accounts — regional banks, Shinkin banks and regional public funds. As a consequence, we have observed a decrease of the international Yen market so far compared to the same period in 2018.
Having said that, the participation from central accounts has remained strong and the yen market continues to offer solid financial conditions. As an example, we successfully tapped this market in February with the Group's first Euroyen Senior non-preferred transaction: a ¥96.2bn five and 10 year offering, enabling Société Générale to broaden its investor base, especially with regional investors ahead of the FSA change of guidance.
GlobalCapital: Is it therefore fair to conclude that, overall, the introduction of new risk-weight requirements has weakened demand for TLAC paper in Japan? Since April, some bank treasury investors have had to apply up to a 150% risk-weight to purchases of TLAC-eligble senior bonds.
Robillard, Société Générale: As expected, the introduction of higher risk-weights for TLAC has resulted in a decrease of the demand from banks, in particular regional banks. On the contrary, we have so far not seen any material change in the behavior of central investors or banks, who keep investing in public TLAC issuance.
Charbonnel, BPCE: The introduction of higher risk-weights for bank investors in TLAC products had a negative impact on our deal in June. We could see that in terms of the number of accounts placing orders in January compared with how many placed orders in June — there was nearly a 70% drop in the number of bank investors in the book. That is pretty significant.
But it was not the only reason we saw such a significant drop in demand. Spreads were much, much tighter in June than they were in January, meaning the yield was less attractive for all investors, including the bank investors. So the introduction of higher risk weights did affect our second deal, but it wasn't the only factor. I would say it was 50%-50% between the two.
GlobalCapital: What about for issuers that are subject to MREL rather than TLAC? Japanese bank investors can still apply a 20% risk-weight to MREL paper, so are these types of bonds benefitting in the yen market in 2019?
Green, Lloyds: There has been a definite divergence between TLAC and MREL issuance this financial year given the different risk weight treatment given to loss absorbing product issued by G-SIBs versus D-SIBs.
Bank — particularly regional bank — participation in TLAC trades has been lower than it was in the previous tax year, whereas for MREL issuance, regional banks have continued to support trades in good size.
Lolli, Intesa Sanpaolo: We are under MREL rules rather than TLAC, but up until now we have not had any need to issue non-preferred senior debt. Our knowledge about the risk-weight situation is therefore only second hand.
Nonetheless the message we are getting is that there will be some investors, particularly the regional banks, which are going to be hit by the new regulations in Japan and so they will move more towards MREL debt or preferred senior bonds. There are also going to be other investors like pension funds, life insurers and asset managers that will not be affected and will continue to invest in both MREL and TLAC.
Charbonnel, BPCE: I would say that there is definitely still demand for MREL but also for TLAC paper. It is senior preferred where we are seeing less demand, simply because the spreads are so tight and the yields are so low.
GlobalCapital: With bond yields stuck at such low levels in Japan, are Japanese investors becoming less risk averse than they have been in the past?
Green, Lloyds: I'm not sure we are seeing signs of investors becoming less risk averse but the challenges of a low rate environment are definitely being exacerbated. Japanese investors generally have a strong track record of staying the course despite increasingly difficult market conditions to navigate. Whether this makes them more risk averse is up for debate – I'd argue they remain reliable in difficult market conditions and supportive of credits they value and understand. The resilience of Japanese investors supports the investment we make in investor relations work both in Tokyo and the regions.
Robillard, Société Générale: Despite a more risk averse approach than in other regions, Japanese investors have progressively increased over the last years the volume of liquidity invested in TLAC eligible debt. Nevertheless, the current market headwinds and regulatory changes might potentially impact this past trend.
Charbonnel, BPCE: The introduction of new risk-weights has definitely been a big issue for bank investors, which has affected their appetite for TLAC senior debt. But yield is also a very big consideration for Japanese accounts. In general they will tend to be okay with senior non-preferred because of the yield on offer.
GlobalCapital: What about riskier products like tier twos and additional tier ones? Have investors also been warming towards these asset classes?
Charbonnel, BPCE: There is still less demand for tier two. When we have issued tier two in the past we saw that interest in the product was pretty limited. At the same time, there is no market in Japan for AT1. No one has really made the effort to market AT1s to Japanese investors and the product is also pretty complex. From that point of view I would say that the Japanese market remains pretty conservative.
Robillard, Société Générale: In the tier two space, we have observed regular demand from pension funds, lifer insurers and corporate investors. Regarding AT1, Japanese institutional investors are facing regulatory constraints preventing them to take exposure to those products. The appetite for AT1 out of Japan remains then limited.
With the recent tightening of Japanese yen swap rates, there might be a potential for increasing demand from yield-hungry investors.
Green, Lloyds: So far there have been limited examples to substantiate this thesis but, in a world of lower rates, it would certainly be logical that investors have the same "hunt for yield" as other investors. Also, given the risk weight treatment of TLAC debt versus MREL debt, the Japanese investor base could well be paid to diversify into tier two product versus senior — holdco or non-preferred. This could be especially pertinent for Australian issuers who have traditionally been regular issuers in the Samurai market for senior debt but now have tier two requirements to satisfy as part of APRA's [Australian Prudential Regulation Authority] approach to loss absorbency.
GlobalCapital: How have Japanese investors responded to the recent uncertainty around the global economic and political outlook?
Charbonnel, BPCE: Our experience is that the Japanese market is less sensitive to headlines compared with other markets. But they are not completely insensitive to what is going on. I remember Crédit Agricole was marketing bonds in yen shortly after the Italian election, which sparked a lot of volatility. But still they managed to print a deal.
GlobalCapital: There has been a lot of continued uncertainty around the political situation in Italy. As an Italian issuer, what has Intesa Sanpaolo made of the perception of Japanese investors during this period?
Lolli, Intesa Sanpaolo: Japanese investors are not particularly speculative. They prefer to buy and hold and they don't like volatility, so they are (a bit) concerned about political uncertainty and the volatility that this can bring. This is perfectly understandable, especially given the small role that hedge funds play in this market.
For this reason we think it is very important to meet with Japanese investors and indeed over the past three years we have conducted non-deal roadshows on a regular. As a result of this we have seen Japanese investors putting in more work to try and understand the political environment in Italy. They have a growing willingness to analyse political developments in the country so that they can be ready to step in when the situation is acceptably stable. Their attitude towards Italy is very constructive.
GlobalCapital: BPCE raised ¥163.6bn with a Samurai offering in January but switched to the Euroyen format for a ¥62.1bn deal in June. Why did you decide to issue a Euroyen deal instead of a Samurai for your second this year?
Charbonnel, BPCE: We have been very loyal customers of the Samurai market. Since December 2012, we have only done Samurai bond transactions in Japanese yen. The main reason for switching to Euroyen had to do with the flexibility you can get in terms of timing. There is a very lengthy process of legal documentation work you need to go through to do a Samurai bond, and so we wouldn't have been ready to issue at the time we wanted to come to the market this June. Doing a Euroyen deal means you are issuing off of your EMTN programme, so you can be much quicker in coming to the market. We wanted that flexibility because we were trying to avoid competing supply, which can affect the spread level and the size you are able to achieve in the market.
GlobalCapital: Do you think you would have been able to issue a larger deal in June if you had decided to return to the Samurai bond market?
Charbonnel, BPCE: The fact that we switched from issuing Samurai to Euroyen in June had nothing to do with the fact that we ended up having to issue a smaller transaction. In our view we only lost a small amount of demand because of the choice of format.
Going forward, whenever we consider doing a public issue in the Japanese yen market, we will either do a Samurai bond or a Euroyen deal. We certainly won't forget about the Samurai format — we have Samurai bonds outstanding so we already have to do all the disclosure work. It will simply depend on whether or not we need flexibility in terms of timing. But we don't really see any specific advantage of the Pro-Bond format over Samurai or Euroyen deals.
GlobalCapital: What about other issuers, is the Pro-Bond format becoming more of interest alongside Samurai bonds and Euroyen deals?
Robillard, Société Générale: The Pro-Bond format with its English documentation definitely offers a less time consuming option than the Samurai market to issuers contemplating to access the yen market for the first time. However, the upsides are more limited for frequent issuers like Société Générale active in Samurai and Uridashi bonds with documentation already established.
Green, Lloyds: Ultimately, for issuers without Samurai capabilities, both have application but also limitations. Samurai docs remain the gold standard and give us access to the full extent of the Japanese investor base. In a good market, investors will accept Pro-Bond and Euroyen but in more difficult market conditions then the 'gold standard' is preferred. Clearly, it would be beneficial for international borrowers if some of the 'idiosyncrasies' of the Japanese yen market aligned more to the US dollar or euro market, but some changes can be glacial in the making.
GlobalCapital: Intesa has sold two Pro-Bonds, the first of which was for ¥46.6bn but the second of which was for a total size of just ¥13.2bn. Is there plenty of appetite for deals in the Pro-Bond market?
Lolli, Intesa Sanpaolo: The Samurai market is the most liquid and the most prestigious in Japan. But given that we are a newcomer and investors are not yet willing to buy huge deals from us, the Samurai market is pretty much off the table. It would be too expensive and too complicated to set up a programme. Our Tokyo Pro-Bond is quite similar to a Euroyen. The language is English and they are listed in Tokyo and Luxembourg.
The reduction we saw across our two Pro-Bonds is not due to the type of instrument we chose, it was more related to the political situation in Italy. But we were encouraged to see the diversification of our investor base in Japan, especially in terms of the regional, Shinkin banks. Last year one of them was involved but this year there were three. This is important because it is a sign that our name is better known in the country and it shows that there is a growing interest among regional banks to open their doors to new issuers.
GlobalCapital: How important is it for issuers to gain access to regional bank investors?
Robillard, Société Générale: Japan is a deep and core market with central accounts as anchor investors but also with many other important regional investors such as regional banks and Shinkin banks. Due to their number, having access to them is key to diversify the investor base and for the success of the transactions issued in Japan.
Green, Lloyds: As an issuer, we have seen no downside and only upside potential in terms of accessing regional investors in Japan. For the past few years, every roadshow to Japan has included days in the regions to update investors there on the Group's credit story and funding plans. We have seen this as a worthwhile investment of time and effort and this has been rewarded in investor sponsorship for our deals.
Charbonnel, BPCE: It may not be so important for all issuers, but to us it is really important. Whenever we do a roadshow in Japan, we typically spend three days of the week in Tokyo and two days in various parts of the country to visit regional investors. We are the largest issuer in the Samurai market, so we have to look for further diversification. The Japanese market is obviously diversification from the euro market for us, but we feel we need to access regional investors so that we can also get some diversification within the yen market as well.
GlobalCapital: Are you happy paying a 'diversification premium' to do deals in yen?
Charbonnel, BPCE: We do not require an arbitrage when we are contemplating a bond issue in another currency because we value very much investor diversification, but we will only take the extra cost as long as it is in a single digit range.
GlobalCapital: How important is it for other issuers to gain a pricing advantage when going to yen?
Green, Lloyds: While we remain price sensitive as an issuer, we are more focused on the long-term benefits of investor diversification than short-term pricing arbitrage. We would rather be seen as an issuer that is invested in the strategic importance of the regional market and the local investors than one that is transient and is only focused on the pricing benefits that could be extracted from this market. The Japanese investor base is generally very reliable and stays the course on trades, even amid deteriorating market conditions globally, so we see pricing arbitrage as long term destructive to our engagement with this strategically important market.
Lolli, Intesa Sanpaolo: When you are entering a new market and offering paper with limited liquidity, it is perfectly understandable that investors want to have a bit of a pick-up in terms of yield. We have therefore cheaper ways of raising funding, but that is absolutely reasonable.
At the moment our purpose it is to diversify our investor base knowing that in the future, when we may be placing larger deals in yen, we could put more emphasis on the pricing. For now it is not important for us.
This is a strategic market for us. We see an incredible potential in yen and so we want to continue to make an effort to be there more and more, without being too focused on short-term results in terms of size or pricing.
GlobalCapital: What role does the yen market play in your overall funding plans?
Green, Lloyds: The Japanese yen market remains strategically important to the group as we look to maintain a diversified funding mix across investors, currencies and markets. The Japanese investor base is generally one that doesn't traditionally participate in other trades that we do — with one or two exceptions — and pricing is normally in line with what we could achieve in other global markets so is additive without having to reprice our curve.
Charbonnel, BPCE: When looking at the unsecured part of our funding, we would typically be doing around 10% of our unsecured MLT [medium and long term] funding in Japanese yen. This year we have a much heavier weighting in the currency, with around 20% of our unsecured MLT funding in yen. One of the reasons for this is that US dollars have been a lot more expensive than euros for pretty much all of 2019, so we have issued much less in that currency than we would normally have done. We haven't done any public issues in US dollars so far this year.
GlobalCapital: Alessandro, you mentioned earlier that this has been 'the year of the euro market'. Has that changed the role of yen in your funding plans?
ALolli, Intesa Sanpaolo: The euro market cannot be as strong as it has been every year and though the dollar market is very reliable for size, it is structurally more expensive to issue there. So there is going to be room for Japanese market and we believe that this will only increase going forwards.
I have the feeling that the appetite of Japanese investors for international deals is growing. We have seen that these accounts have been buying a lot of French and German paper, but they have also now been buying a lot of debt from Italy. Given that yields are sinking globally, we can see there is going to be more demand for bonds issued by European peripheral countries, where the issuer is strong and the terms of the deal are fair.
GlobalCapital: Would you consider going down the capital structure to issue riskier products in yen?
Lolli, Intesa Sanpaolo: We don't see any reason not to consider issuing non-preferred senior debt in Japan at some point in the future. But we are still on a learning curve in the yen market at the moment and we don't want to go down the capital structure and force investors to take a bit more of a risk on our business. Our strategy is to have a long term relationship with Japanese accounts, so we want avoid pushing or pressing investors to take decisions they may not be comfortable with.
GlobalCapital: Is there growing appetite among Japanese investors for bonds linked to environmental, social and governance (ESG) criteria?
Charbonnel, BPCE: We have been quite active in Japan with social bonds, but we haven't done much in terms of green issuance. We are looking at the opportunity of doing green issuance in Japan but this isn't really our top priority. We would probably consider the euro market before yen when doing green bonds. That's because it looks like Japanese investors are more prepared to buy social bonds than some European investors, particularly in the Nordic countries, which are traditionally big buyers of green bonds. But in Japan we don't see a clear difference in terms of demand for green or social bonds.
Green, Lloyds: Green bonds are not really a new concept for Japanese investors or the Japanese yen market, with this product having been issued by a number of issuers over the past few years. As we are seeing in other markets, there is definitely more of an awareness of green bond opportunities in the Japanese yen market and we are likely to see this becoming more popular as investors become more sensitive to investing specific SRI funds into bonds that adhere to the Green Bond principles, and also as issuers look at ways to diversify their investor base across markets.


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subset: commoncrawl


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|© Provided by Fox News
Johnthony Walker, who was convicted in a wreck that killed six children, now faces charges of aggravated statutory rape.
By Kathleen Joyce, FOX News
A former school bus driver who was convicted in a wreck that killed six children in Tennessee in 2016 now faces charges of aggravated statutory rape.
Johnthony Walker, 25, was arrested Thursday in Nashville, where he was free on bond while appealing his March conviction on charges of criminally negligent homicide and assault in the bus crash in Chattanooga.
Local media outlets cited an arrest report that stated Walker admitted to having sex with a 14-year-old on five occasions. He was reportedly staying with the victim's family for a few months.
In March, Walker was found guilty after the bus he was driving on Nov. 21, 2016, carrying 37 kids from Woodmore Elementary School, crashed on a winding road. More than 20 students were injured, in addition to the six who died. Prosecutors said he was driving too fast and talking on his phone. He was sentenced to four years in prison.
The decision divided victims' relatives at the hearing, the Chattanooga Times Free Press reported. Some said it wasn't enough time while others were reportedly satisfied with the punishment.


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Virginie Léonard soprano – Margaux de Valensart soprano – Ellen Vanherck soprano – Raphaële Green mezzo-soprano – Kamil Ben Hsaïn Lachiri baritone – Maxime Melnik tenor – Ouri Bronchti piano – Benoît De Leersnyder coaching
The MM Academy project was set up in 2015 by La Monnaie to give students from the eight Belgian conservatories the chance of a professional internship in an opera house chorus or orchestra. It allows music students to gain crucial professional experience, right from the start of their studies. In other words, the project is a constructive response to the often lamented gap between the lofty educational world of the conservatory and the real world practicalities of the stage arts. Come and discover the MM Soloists and Laureates at BOZAR: they have everything it takes to make it as professionals.


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Western Union beat earnings expectations when it posted better than expected second quarter results yesterday (July 30).
Revenue for the quarter hit $1.4 billion, a 2 percent decrease from 2014's Q2, and net income hit $189.3 million, a 2 percent decrease from the year prior. Overall on the consumer segment, transactions were up 3 percent in the quarter and revenue in the consumer-to- business segment was a revenue increase of 8 percent.
Westernunion.com C2C revenue increased 22 percent and electronic channels revenue (westernunion.com, account-based money transfers through banks and mobile money transfers) increased 19 percent in the quarter.
"We posted another quarter of solid results, with improved constant currency revenue trends across all our business segments, despite some geopolitical and global economic challenges," Western Union CEO Hikmet Ersek said in a prepared earnings release. "Westernunion.com growth also accelerated in the quarter. Our global digital presence is expanding quickly, as we continue to advance our omnichannel strategy for cross-border money movement."
During the earnings call with analysts, Ersek went into further details about consumer money transfers and mobile use among its customer base. He noted that digital-initiated transactions are expected to be fast growing over the next several years. Western Union now has 29 markets to send money around the world.
"In the quarter, consumer money transfer was led by a healthy U.S. outbound business and good transactions growth in markets such as Germany and U.K., which offset continued challenges in Russia and some African countries. Westernunion.com again delivered strong growth in the quarter not only in the U.S., but across most of the countries where we have transaction sites," he said.
"Customers using online or mobile to send money to bank accounts are providing incremental business. Improvements in mobile access such as with our new U.K. app are also producing results. Our consumer money transfer pricing has been stable as the net pricing investment for both the second quarter and the first half of the year was minimal," Ersek continued.
Speaking toward the cross-border money segment, Ersek acknowledged that each individual market poses its own set of challenges and said that in many regions, "cash will remain critical in much of the world for the foreseeable future." But that doesn't mean that Western Union isn't focused on building its mobile reach.
"The trick is obviously combining digital and with retail payout different dynamics. Our omnichannel strategy is working," Ersek commented, as he answered a question about Western Union's plans to build its mobile strategies in multiple regions. This includes opening a new digital hub in Asia.
Because of the positive quarter, CFO Raj Agrawal increased the full-year outlook and projections for the year.
"In the quarter, consumer money transfer trends benefited from ongoing strength from U.S. Outbound and high digital growth across most of our online markets. Western Union Business Solutions and Consumer Bill Payments also delivered good results. In addition, cost savings initiatives and foreign exchange hedges helped drive operating margin improvement, and we continued to generate and deploy healthy cash flow for our shareholders," Agrawal said.
While Ersek was pressed by analysts to provide reaction on the impending PayPal and Xoom acquisition deal, he declined to comment on specifics of either company and spoke only in general terms about the industry as a whole.
"To build up online business is not that easy and propping money there is not easy. You need some countries of bank licenses, you need compliance requirements, you need to register customers, know your customers, know your age on the receive side. It's a quite complex part which we have been doing that for many years and very successfully," he said.
Digital transformation has been forcefully accelerated, but how does that agility translate into the fight against COVID-era attacks and sophisticated identity threats? As millions embrace online everything, preserving digital trust now falls mostly on banks and FIs. Now, advances in identity data and using different weights on the payment mix afford new opportunities to arm organizations and their customers against cyberthreats. From the latest in machine learning for fraud and risk, to corporate treasury teams working in new ways with new datasets, learn from experts how digital identity, together with advances like real-time payments, combine to engender trust and enrich relationships.


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The Digital Production Partnership invites you to a panel discussion to discuss the current challenges of producing and delivering programmes to global networks.
It's a chance for the Bristol production community to hear from some of the practitioners about how they manage multiple delivery formats today, followed by insights into how a new mastering format could simplify versioning and global distribution in the future. The DPP & SMPTE's new Interoperable Master Format for Broadcast & Online will bring the benefits of IMF more fully into the broadcast and online realm.
Panellists include:
- Caroline Ewerton - Senior Project Manager at DPP
- Andy Corp - Head of Technology, Television Productions, BBC
- George Panayotou - Films @ 59
Chaired by Mark Jacobs from the BBC Academy.
The BBC Club Bar will be open during this event.
Registration opens at 17.30 for a 18.00 start in the main entrance foyer of BBC Bristol, Whiteladies Road, BS82LR. Please check-in with plenty of time for your event - registration will be open 30 minutes before each session.
Please bring photo ID with you and note that bags are likely to be searched, so do arrive in plenty of time for us to complete the check-in and security processes.
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This session is suitable for persons aged 18+ only. However there are alternative events during Digital Bristol Week suitable for people under 18 - please visit the main event page for details. Due to limitations on capacity, if you are a student group, we ask you to contact the organisers first to discuss.
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For full details of all the sessions at Digital Bristol Week 2017, please click here.


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Destiny 2 - How to Get the Mida Multi-Tool Exotic
Complete the quests to unlock the Mida Multi-Tool in Destiny 2.
The Mida Multi-Tool was a fan favorite weapon in the original Destiny. Whether it was PvE or PvP, players loved this Exotic Scout Rifle mainly because your radar would remain active when you were ADS (aimed down sight). The same perk exists for the Mida Multi-Tool in Destiny 2, although getting this gun doesn't depend on RNG this time around. Thank the Traveler.
How to Get the Mida Multi-Tool
To get the Mida Multi-Tool in Destiny 2, finish the main story missions. Doing this will unlock quests and missions on each planet. The one you're looking for is called Enhance, and can be found in the Trostland region of the EDZ (European Dead Zone) on Earth. The quest will be marked on the map with a blue icon that looks like it has a white crown in it. If you don't see it, start knocking off any quests you do see in the Trostland until it pops up. The Enhance quest comes with a recommended Power level of 260, so this is to be considered end-game content. Once the Enhance quest is complete, Devrim Kay will give you the Mida Mini-Tool, a Legendary Submachine Gun, as a reward.
Sight, Shoot, Repeat Quest
Head back to the Tower and speak with Banshee-44. It's here that he will give you a quest called Sight, Shoot, Repeat. This quest has several stages to endure. The first two must be completed with a Scout Rifle, be it a Kinetic or Energy weapon.
- Eliminate Enemies with Precision Shots
- Eliminate Multiple Enemies Without Reloading
Under the Hood
When that step is complete, head back to the Tower and speak with Banshee-44. He will then ask that you dismantle five Rare (or better) Scout Rifles. Again, these can be both Kinetic and Energy weapons. If you have them in your inventory, this will be quick. If you do not have them, head out into the world and play the game until you get the drops you need. Dismantle your five Scout Rifles and then go back to speak with Banshee-44 again to get the next step.
The Fall Will Kill You
- Get 50 Airborne SMG Kills
This quest step is silly, but it's not exactly difficult. You were given the Mida Mini-Tool by Devrim Kay, and that is the perfect weapon for this job. I got my 50 SMG kills will airborne in two Strikes. This is most easily accomplished by softening your enemies up with a couple of shots while your boots are on the ground, and then jumping up and using the hip fire mechanic to finish them off. One of my fireteam members knew what I was doing, so he would wound all enemies, but stop short of killing them, essentially setting the table for me to get some easy airborne SMG kills. On a second run through the MIDA Multi-Tool quest, I finished this step during the Leviathan raid, although I wasn't trying and have no clue how I managed to get that many airborne kills with an SMG. I'll take it.
When you finish this quest step, head back to the Tower one last time and speak with Banshee-44. Instead of another quest step, he'll hand you the Mida Multi-Tool Exotic Scout Rifle. The perk everyone was looking for was called Third Eye in Destiny, but is called Mida Radar in Destiny 2. This is the one that allows your radar to remain active when you're ADS. This is particularily helpful in the Crucible, as it allows you to ADS and make sure you aren't being flanked.
If you're looking for more information to assist you on your journey, visit our Destiny 2 complete strategy guide, where you'll find everything you need to do right by the Traveler.


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Opioid epidemic: Here's one more way it's costing hospitals millions
One hospital lost $3.5 million in a single year dealing with rising infection rates among patients taking cocaine, OxyContin, Demerol and Percocet.
The number of patients hospitalized with endocarditis has increased dramatically over the last decade in a pattern that mirrors the increase in mixed drug use and in particular, opioids. And that increase has had a substantial cost on state and federal healthcare programs.
The rise of opioid abuse is a growing health crisis in the United States, particularly in areas hardest hit by the economic downturn, with an average of 115 Americans dying every day from drug overdoses, according to the National Institute on Drug Abuse, Endocarditis is one of the most challenging and costly complications of the intravenous drug epidemic, as it's a rare, life-threatening bacterial infection that can destroy heart valves and spread throughout the body.
[Also: Opioid epidemic causing more hospitalizations, increasing hospital costs, study finds]
That has an impact on utilization. The Centers for Disease Control and Prevention said addicts with endocarditis are 10 times more likely than other patients to die or require a second surgery months after initially leaving the hospital.
HIMSS20 Digital
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A study monitoring a West Virginia hospital, in fact, found a total of 462 patients -- who'd been consuming cocaine, OxyContin, Demerol, Percocet and other opioids in large doses -- were hospitalized with infective endocarditis and simultaneous explicit drug use. Infective endocarditis cases increased from 26 in 2008 to 66 in 2015.
What's more, most of the patient cases were uninsured (10.4 percent) or underinsured by federal and/or state programs (10.6 percent and 56.2 percent, respectively).
Throughout the study period, the hospital billed $17.3 million but it's total reimbursement was only $3.8 million. In 2015 alone, the hospital lost $3.5 million to care for these patients. These increases in costs to the state of West Virginia and the hospital itself comes at a time of regional economic uncertainty and contracting hospital reimbursement.
The research team said it's working to find community-based solutions to the problem, and noted an interest in further analyzing the benefits of intensive preventive measures through heat mapping -- such as selecting communities for needle exchanges, creating various support groups, and educating users on the dangers of intravenous drug use.
Twitter: @JELagasse
Email the writer: firstname.lastname@example.com


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One lesson from our Drawing With Children studies that I'm really pleased to see Syd grasp is that copying is perfectly okay.
I don't think Drawing with Children specifically mentioned our exact method, but if Syd (Will still rarely chooses to create art, although she did some drawing as part of plans for a butterfly garden a few weeks ago, and was noticeably at ease with it) mentions wanting to draw something in particular, such as the horse that she requested last week, I encourage her to look through our large collection of coloring books and choose an appropriate image to copy. The clean, dark lines in coloring book drawings lend themselves really well to the methods that we've been learning.
Fortunately, we've got a few really good coloring books of horses, and they were enough inspiration for Syd to sit down several times over the course of a couple of days and complete not just one, but many very detailed drawings of horses. Here are some of them:
Just as Drawing with Children suggests, Syd copied what she needed to copy but used it creatively--in all these pieces, she copied the horse itself, but added everything else from her own imagination. I especially like the tack that she adds; because of horseback riding lessons, Syd was able to tell me every single piece of tack that she put on her horse drawings, how to put it on, and what it's used for. I love that you can also tell, just from her art, that she learns English, not Western, riding--can you see where she illustrates that?
I sometimes have doubts about the horseback riding lessons that the children take--they're so, so, SO expensive and must be budgeted for so carefully, and it's not as if the children really have many chances to ride outside of their classes--but the children love their lessons and love the horses that they ride, I can see that the riding is good for their bodies and their hearts, and it's a life skill that I hope will be always useful. Will occasionally speaks of when she'll be old enough to volunteer with PALS, and at Girl Scout camp orientation both kids carefully noted the children at the corral taking their riding tests in order to qualify for "wrangler" camp--next summer, that could be them, if they wish!
Their riding instructor and I have spoken several times about the possibility of offering Girl Scout workshops at PALS; the program head and I have spoken about offering ongoing homeschool classes; and the head instructor and I have spoken about starting a Pony Club that would be inclusive of both recreational and therapeutic riding students. I'm hopeful that in the near future, these expensive yet valuable horseback riding lessons can become part of a larger context of equine enrichment for the kids, and ideally also for a slew of brand-new horse-loving friends.
Thursday, June 12, 2014
Equine Artwork
2 comments:
- Tina said...
Great drawings Syd! Emma and I really like them :0)
Again, super jealous that you have all that horse awesomeness available to you and the girls. We will live vicariously through your adventures until we are able to have our own.
After all, isn't that what the internet is about?
- June 12, 2014 at 2:14 PM
- julie said...
I think y'all get up to some pretty fun adventures yourselves, too. Your kiddo's going to her first day camp, right? Exciting!
- June 12, 2014 at 5:30 PM
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Contributor post by Mairi from mairidesign
Contributor post by Mairi from mairidesign
Contributor Post by Mairi From mairidesign
Ah, it's that time of year again, where the children are excited to be starting or returning to a new year of education. Most likely, they're sad that the holidays are ending but happy to be seeing their friends and meeting new ones on their first day. It's a very special time for all and what better way to keep the memories, than with items from our talented team? And, let's not forget the teachers! It's a huge day for them too. Have a browse through the selection below and click on the photo to buy in Etsy.
We all send our good luck wishes for the little ones' first day back to school.
Now that my daughter is grown and out of school, I don't have to worry about the back to school craziness. Can't say that I miss it either! Finding the perfect binder, the perfect notebooks and let's not forget that some schools even have "recommendations" of what to buy that you must follow. That is not my idea of a fun time.
I do however, have a recommendation for you to consider! Back to school isn't just about the students! How about the teacher too? Many teachers are seen carrying clipboards during the school year and here is a UNIQUE one that could be the envy of all the other clipboard carrying teachers! It features unique muted purple colors, a sense of nostalgia, is durable AND can even be hung on the wall when not in use. If your desk looks anything like mine, you'll appreciate this!
Cristal Hughes from DesignsbyCristal says:
This is a big seller amongst my teachers because of the inspirational words it speaks to them. I worked in the public school system and would see 90% of the teachers with lanyards around their necks that held keys to opening the classroom and cabinets where important belongings or school supplies were. This lanyard would be perfect. It can come as a one piece or a detachable (the key section comes apart). Either way it'll be useful, yet fun and versatile.
Elisabeth Perez from LizPOriginals says:
Going back to school and having to remember so many things, and sometimes being stressed, I think this would make a bright and happy add on to Planners/journals and Backpacks.
Judy Merashoff from JAMsCraftCloset says
Being a teacher, I know I needed lots of things to begin the school year, just as my students did…
I loved my magnetic handmade decoupaged mousetrap note holder that was on my whiteboard. It held reminders, papers to pass back, certificates, etc. I knew right where to go each period to grab what I needed without wasting time looking for something that I thought I put in a safe and handy place…not…
Marta Gotliba from GottliebTextiles says
This reusable shopping bag will serve well for a good while. This handmade market bag will make a great back to school gift idea for a book fan. Without a doubt, it will be a perfect gift to a student.
Arlene from ThisandThatCrafter says
Back to School theme crafts are fun to create with these fun School House Buttons.
Amy Spock from BeadsandThreadsbyAmy says
As a teacher, I see that organization is truly one of the keys to students being successful and confident in their abilities. I love love love pencil cases, and create personalized cases for students.
Quilters are always looking for ideas to make their next quilt. Let's suppose you wish to make a quilt for your child's favorite teacher. Here's a quilt block to get you started on your next teacher quilt, wall hanging or table topper.
Tanya from AGardenCottage says
This stone apple is a vintage find. When I found it, I thought that this will be an excellent traditional gift for a teacher. You can use it as a paperweight or just put on a shelf for display. A sweet and useful gift.
patontheback from patontheback says
Hard to believe I've been making these over 20 years, but these are great for the walk or ride to school, and have an adjustable strap (or removable), a clip that can attach to a backpack, and insulate for hours. Several standard sizes, and custom sizes available. One woman returned to replace hers after a year on the playground! It had been dragged across asphalt, swung around by elementary school kids, and generally bullied!!! They're great for keeping on a desk, kept near a lunch, fit into an auto cup holder, and if you keep your beverage in here with a tight fit, it won't have condensation.
Susan-Sharon Passmore from MsPDesignsUSA says
The wheels on the bus go round and round, all the way to school! Our fun to make foundation paper pieced school bus pattern could become part of a quilt, a homework folder, a tote bag, or a mug rug for the teacher's desk. Just use your imagination!
Contributor post by Sheila and Shannon of BeadyEyedBird
Gypsy, Boho, Bohemian, Ethnic, Hippie — whatever you choose to call it, it's FUN! In modern usage, the term "Bohemian" is applied to people who live unconventional, usually artistic, lives. The original "Bohemians" were travelers or refugees from central Europe (hence, the French bohemian, for "gypsy").
At the beginning of the Bohemian 'movement', it was said that gypsy girls themselves "…are sexy and delightful precisely because they do not give a hoot for fashion."
When the style was first identified, it was the early 20th century. Fast forward to the 60's and 70's when major designers started to routinely promote the "peasant look" and sold a range of "uniquely eccentric clothes." (How many of you still have some of those in the back of your closet, like me??)
Fast forward again to the late 1980's, when variants of the short and fundamentally un-Bohemian rah-rah skirt (which originated with cheerleaders) were combined with leather or denim to create a look with some Bohemian or even gothic features. New names emerged, like 'hippie chic' and 'boho-chic'. Similar styles were sometimes referred to as "bobo" or "ashcan chic" or "luxe grunge" — with leading proponents including actresses Mary Kate Olsen and Zooey Deschanel.
Whatever it's called, and whatever the iteration or era, we L.O.V.E. it. What do you have or love that's Boho? We asked our team members to share their stories and items with us, and here's what we got —
Karen Hafel from timetalentjewels said:
Some people think that these little bags are Bohemian style bags and I share them with the teenagers as cute chic bags to carry for fun. Cool colorful stripes and colorful flower button makes it a fun bag for any teen! What is fun about this style of bag is it can be made into the school's colors too, that is pretty chic too!
Dawn Whitehand from DeeDeeDeesigns said:
Nancy Duncan from EponasCrystals said:
Marie-Antoinknit from 9ElizabethStreet said:
Connie Lee from Bungalow42 said:
While Bohemian fashion may cycle through fashion popularity over the years, true Bohemians don't care about popularity or style – they care about expressing themselves. So wear what makes you feel good!
Donna Schindler from TreasuresFromTheLake said:
Boho or hippie brings to mind closeness to nature and the earth.
The earth toned beads accentuate that feeling. Add to that the brown cord and the large brown beach glass, it's a statement piece that screams I love nature.
Marjorie Scenna from mscenna said:
I think of unique, eclectic designs and earthy colors when I think Boho home design. These repurposed wind chimes combine old and new with a unique free flowing style and earth tone colors.
willowvalleyvintage from WillowValleyVintage said:
We found these vintage napkin rings in Ann Arbor, Michigan!
We love their puffy hats and long eyelashes!
Who needs napkins?! These girls are perfect on their own!
Diana from joliefemmebydiana said:
Boho style is the best! This pillow has a lovely boho vibe and is a perfect accent for your gypsy style chair, bed, or room. Bright color and lovely hamsa symbol make it a unique decorative piece!
Our friends sure proved they know boho! Until next time,
Contributor post by Alicia from AliciasFindings
For the Holiday Season I buy some gifts, but I also make quite a few of them. I love creating a special piece for my loved ones and friends. In order to make these DIY gifts I need supplies.
Do you have supplies in your shop that someone like me can use to make our handmade DIY gift?
Sue and Misty from shabbyshopgirls say every little girl needs clothes for her Barbie and handmade Barbie clothes are extra special! My mom used to make Barbie clothes for my sister and I from scraps of fabric she had left over from making clothes for us! Not only did we have special outfits, Barbie had one to match! This particular pattern gets Barbie all dolled up for a special dance or ball! Perfect for the Holidays!
Lisajoy Sachs from saxdsign said supplies are my specialty. I cater to the DIY'er. Most of my shop are supplied for makers.
How much fun are these Multi colored natural gemstone beads to make earrings, bracelets and Necklaces. I am sure there are other ways to use these great beads in your creations.
Julie Herbert from EveryoneLovesGiftsO states I have a kids DIY kit, there are other two different kids available. Great for the holiday season to kick start the crafter in children.
This particular one is made with faux pearls, sparkly rhinestone beads and acrylic beads.
Susan-Sharon Passmore from MsPDesignsUSA said quilting is our favorite DIY activity! Our Etsy shop features quilt patterns for every skill level, from novice to experienced quilters.
This is our most recent pattern, featuring animal ballerinas. This is a fun & girly quilt pattern, intended to help other DIY quilters create a very special gift for a birthday, baby shower, or for Christmas!
Solveiga from Knitwoolsocks discusses I am a socks knitter. I have always enjoyed knitting and love creating pretty things in beautiful colors. I love to see the socks that I am working on begin to take shape and turn into a finished product that someone will enjoy.
This is "Elize" Superwash Yarn, made in Turkey.
"Alize" is a beautifully soft, variegated, fingering / 4ply sock yarn full of color! The sturdy blend of 75% Superwash wool and 25% of nylon means your socks will last, and be easy to care for! The beautiful painted colors are perfect for almost any pattern.
If you love knitting socks then you will love this yarn!
willowvalleyvintage from WillowValleyVintage says I love finding NOS packages!
Lee Wards was a wonderful craft store, I remember looking through all their racks of bagged figures and supplies when I was a girl!
These little bottle brush trees are perfect for dioramas or fairy gardens!
Stock Lane Studio from StockLaneStudio states I especially love making holiday gifts with little ones. But now my kids are older and their arts and crafts needs are getting more 'sophisticated', especially my daughter who wants to major in art in college. Glad there is a large variety of supplies right here at my fingertips on Etsy.
Gari Anne from beadloverskorner said I have some really cool beads and findings for other beaders and jewelry designers. My favorites are items from Green Girl Studios, they make lead free pewter in some of the coolest designs. This particular one is a focal bead with lips on one side and "Besame Mucho" on the other side.
Dawn Whitehand from DeeDeeDeesigns says these ceramic buttons are handmade by me in my studio. The clay is rolled out and texture applied while the clay is still soft. Each button is individually glazed in a glaze I mix up myself – truly unique! Because these buttons are unique they are ideal to incorporate into a special gift for family or friends.
They can be used to accent knits, hats, bags, bunting, hair accessories – pretty much anything you can think of!!
msmadmax from madmaxshop said Bali style vintage silver beads and spacers.
Soft pink, yellow and white plexi crystals.
Perfect for that special restoration project or vintage couture garment…
create your own custom belt, necklace, earrings or bracelet.
Enhance your restoration project…accent an accessory…create earrings or give a vintage sweater an authentic look.
Dawn Whitehand from DeeDeeSupplies states these flat back sew on beads are available in red, green and blue – ideal colours for the holiday season!
Add a unique touch with sparkle, bling and pizzazz to clothing, accessories handbags, quilts, wedding favours, table decorations and an array of craft projects. The beads can be sewn onto fabric, canvas, leather and vinyl.
Contributor post by Dawn from DeeDeeDeesigns
International Day of Literacy is September 8th so I asked fellow team mates if they had products in their shops that reflect the theme of literacy? Books, paper, pencils, bookmarks, book lights – and more.
Here's what they had to share
Debbie Gilbert from License2Craft says
In this "day & age" of technology, school children are using computers and the internet even more. Most of us as adults rely on it every day for business, social or learning. Internet and Kindles have become the "new" way to read books. Making it important to be mindful of posture, and ergonomic support is essential.
These Flax-seed & Rice filled Keyboard & Mouse pillows will do just that. They are wonderful for everyday support or for added comfort just heat in the microwave or placed in the freezer for cold relief. The Keyboard rest has the added benefit of being able to substitute as a neck & shoulder relief pack for stressed out neck and shoulders.
Available in many patterns… and special orders are always welcome!
I learned to read in a one room country school with Dick, Jane and Sally readers. I went on to become a public school teacher. My daughter and son-in-law are both public school teachers ready to head back to the classroom. The motto in our family has always been…Spend money and resources on education and experiences not things! These Dick, Jane and Sally mug rugs remind me of what's really important in life.
I learned to read when my mother needed ways to keep me busy when I was 4 years old. She pulled out the newspaper or magazines and told me to circle all of one word through the whole thing – to find all the "and" words for example.
It was actually fun and rewarding and lead to me reading long books way above my age and skipping a few grades of English! Books were everywhere handy for us as children, and to this day I borrow (and return!) books from my mothers' ever changing and full shelves. My children learned before they knew how to speak that Dr. Seuss was fun time! I believe that we need to keep the strength in providing kids with positive and fun things to read and encourage them young. My daughter is a book nut and states that she will have her children learn from books even if there were no libraries!
We plan to carry other things in the future – but for now we have plates and other vintage things with poetry or sayings on them. I carry charms with positive words on them like "miracles", "family", and more. Words have power – they can hurt, yes, but they can also lift ones' spirits and heal. I have been working on making "healing stones" in that they are inscribed with positive words and am also working on wood burning and engraving positive quotes that I have begun to collect over the years.
Cyndi DragonflyzDreams from frstyfrolk says
Book HC Animal Clothing 1969 Variety Species Hair Feathers Skin Armor Insect Seasonal Colors Children Vintage Adult Home School
I loved reading this book, there is so much interesting information on the outer coat of many kinds of species of animals.
It is very informative about their outer coats, how they are made, and what they are made of. Several species are discussed such as Birds, Fox, Bear, Lady Bugs, Lions, Worms, Butterflies, Spiders, Skunks, Turtles, Owl, Crab, Chicken, Beaver, Rabbit, Moose, Peacock, Porpoise, Toad, Dog, Cat, Elephant, Caterpillar, Alligator, Snake, Armadillo, Egret, Shark, Hummingbird and many more.
It also discusses their color changes and living habits during the seasons.
It Indexes:
Hair, Feathers, Skin, Armor, and Insect Clothing
94 pages, Measures 8 x 5 x 3/4 inches
Our all-purpose bags are perfect for storing writing utensils needed for that next masterpiece. The images for our GRAFFITI HANDPRINT pencil pouch were taken from photographs that we captured in Berlin, Germany while strolling along Mühlenstrasse near the city center. The urban art-filled remnants of the Berlin Wall make up what is now the East Side Gallery, the largest outdoor art gallery in the world. Much of the art conveys powerful statements about freedom in words and images.
I have these School House buttons… Schooling is a big part of our Literacy and the School House is a great symbol for Literacy…
WOW!! What a great range of products related to literacy – reading and writing is so important, as all of us here on Etsy knows – we need to write our product descriptions, and read and understand customer enquiries and so much more! It's great to be able to promote this important educational need.
Please visit our participating team stores and share some love


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Courtesy of FOX and HULU, Fringe's 'In Which We Meet Mr. Jones,' starring Anna Torv, Joshua Jackson, Kirk Acevedo, Lance Reddick, Jasika Nicole and John Noble. Guest stars include Trini Alvarado, John Boyd, Billy Burke, Jared Harris and Chance Kelly.
When a mysterious parasite attacks a dying FBI agent's body, Dunham rushes to Germany to meet an prisoner, with some disconcerting details.
Wednesday, November 12, 2008
Fringe - Video: 'In Which We Meet Mr. Jones'
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Serving the faithful since 1960
Tillie & Clementine Noises In The Night //Pb Vol.1 978-0-9898474-0-7
by local author Dan Killeen
Mommy has to go to a meeting one night, leaving Daddy in charge of the girls. He makes them dinner and tells them a thrilling bedtime story. The girls are later awakened by strange noises coming from just outside their window. This is the original, first edition of Noises in the Night. It's basically the same as the version available in national stores, but it contains four additional pages near the beginning and a simpler cover. (Picture book, 36 pages, soft cover, ages 5-9)


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Live quote Emini S&P
Does any one know where one can find live tick by tick Emini s&p quote. I am not looking for charts, just a quote
If you use eSignal then you can download the last 10 days of the quotes and also view them in their time and sales window.
Does anyone know of a website for free live quotes of the emini S&P futures?
For futures the close is 4:15 and open is 4:30 EST. How is it calculated for the Forex market?
Copyright © 2004-2019, MyPivots. All rights reserved.


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We offer clinical treatment in all areas of Neurology. Learn how to make an appointment or find map.
Our residency program offers comprehensive training with exposure to all areas of neurology.
Our fellowship program offers clinical fellowships in seven neurology subspecialties.
Our strong clinical and basic science research component consistently ranks in the top 30 departments nationally in NIH research support.
Clinical Research are studies in which patients may volunteer to take part. Interested in a clinical research?
Neurology Grand Rounds Presentations. View most recent presentations from our department professors and faculties.
As Chair, it's a pleasure for me to welcome you to the Neurology Department of the University of Colorado School of Medicine.
The Department is part of the University of Colorado | Anschutz Medical Campus and is one of the largest Academic Medical Centers between Chicago and the West Coast. The School of Medicine is in the top 25 schools nationally in NIH funding and includes numerous nationally recognized affiliated hospitals... read more
Kenneth L. Tyler, Louise Baum Endowed Professor and Chair of Neurology at University of Colorado School of Medicine, said he tends to think of the potential neurologic impacts of CoV-2 as falling into one of three broad categories. Neurology Today, May 21, 2020 Inflamed brains, toe rashes, strokes: Why COVID-19's weirdest symptoms are only emerging now "Almost all the [neurological] things we're seeing now with COVID-19 are things you might have predicted would have happened," says Kenneth Tyler, chairman of the department of neurology at the University of Colorado School of Medicine and a fellow of the American Academy of Neurology. National Geographic, May 21, 2020
"It's really the close contact with people – whether in the water or on land – that's the concern," Dr. Daniel Pastula, neuro-infectious disease expert and Associate Professor of Neurology, said in a recent report by UCHealth. Newsweek, May 22, 2020
"It's like a modern version of an old-fashioned home visit," said Christina L. Vaughan, associate professor and chief of the division of neuropalliative care in the department of neurology at the University of Colorado, Anschutz Medical Campus. "This has really sparked a lot of conversation. So much of palliative care is understanding someone's story and what is important to them." Neurology Today, May 18, 2020 WebMD, May 5, 2020
Gifts to the Department of Neurology allow our multiple specialty areas to excel in our commitment to improve patient treatment and care, engage in cutting-edge research, and train the next generation of neurologists.
Neurology Clinic - University of Colorado Hospital
Phone: 720-848-2080
Neurology Administration
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The week leading up to OLDE FRNDS' "The Future is Unnecessary" EP release show was a notably difficult one for myself and probably most people in the Columbus area. A winter storm had left us yearning for sunshine. We were somewhat depressed while stuck in worse-than-usual traffic, slipping on ice, and losing control of our cars on the freeway – from which only some as lucky as I was got to drive away without a scratch. Miraculously, the snow held off enough on Saturday that plenty of people were able to fill Big Room Bar so our hearts could in turn be refilled.
Before their set began, the venue had already been prepped to come alive after exciting opening performances by Funk Worthy and BAVE. While OLDE FRNDS got themselves ready, the room was abuzz with friends, fans, and newcomers all anxiously waiting to hear what new vibes the band had in store for us that night. I felt especially fortunate to have gotten a sneak peak at "The Future is Unnecessary," but was just as eager to experience it live.
I'd also been fortunate enough to have the opportunity to sit in and assist with an interview with most of the band earlier that week, having the chance to peak into a few of the things that make OLDE FRNDS special. The members, which consist of Dwayne (guitar), Carl (bass), Ramsey (keys), and Will (drums), had first gotten together while they all lived in Olde Towne East in June 2017. Their sound clearly comes from musical influences that are vast and varied, yet lend themselves well to be woven together.
MIMC: You guys have all been musicians for a while, what's your music history?
Ramsey: I taught myself piano and how to produce. I started in 7th grade.
Will: My dad is a drummer and jazz musician, and my grandfather is a drummer as well, so I'm like third generation in my family of drummers. I started when I was five, I've been playing drums for about 30 years now and I've been teaching for 17 years.
Carl: I got a guitar in 7th grade and started to play bass probably a year or two later. Played a lot of metal in high school, that was kind of the only scene around. But I've always been drawn to technical music, so from metal it went to bluegrass, then folk, then classical… All guitar based.
MIMC: So you were basically taking darts and throwing them at a dart board, like, "What am I gonna play this year?"
Carl: Yeah, and when I was playing metal I would get comments from other guitar players because they realized we were basically playing speed metal, but I would be using jazz chords the whole time. And then, I remember I met up with Dwayne and we realized we both played and got together to see how well we could vibe off one another. It worked very well, but I was listening to the way he was writing everything and was like, "You don't need another guitar player, you need a bass player."
MIMC: So when you all came together in 2017, how quickly did you realize that the chemistry is there?
Ramsey: First song, first jam we did. It was really weird.
Will: Cause how it started out, it was me and Dwayne, and then Dwayne met Carl and we got together and it clicked. And then Carl was like, "Hey I know this guy who plays keys and wants to jam with us." And as soon as that element fit in, as soon as Ramsey joined it was like… This makes sense.
In their first song of the evening, the group's chemistry immediately shone through. Ramsey energetically called the audience to attention with a "Big Room, what's up!" The band took a moment to dedicate their set that night to friends Eddie and Brian, who they'd recently lost, and we raised our glasses to them.
Living Is Expensive kicked off the set, seeming to emulate the mellow yet lively mood in the room. Also the first track on their new EP, Living Is Expensive is described as the bridge from their last EP to this one. The driving keys shepherded attendees into a groove, and as the tune picked up energy, so did the crowd.
With no question about its inspiration, Nighttime Smokes was introduced to us in a beautiful guitar line, around which the band gradually built. In this way, art again seemed to imitate life as this particular piece originated as an idea Dwayne wrote in high school and came to belong to the group as a whole. The intro gave me a distinct 1970's rock and roll feel, which was only supplemented by a tambourine that Will displayed proudly from his seat, evoking cheers.
Then, a special treat for their audience and devoted fan base, OLDE FRNDS announced next in their set was something brand new – not even included in "The Future is Unnecessary." With instructions to "fuck em up," Will brought the intro into a cool ass groove which had everyone dancing and eagerly listening to this welcome surprise.
Having become visibly emotional, Ramsey had Will take over giving a rundown of their next selection, AFIB. Aptly named after the shorthand for atrial fibrillation, Will described the gang writing this mere days after his run-in with the terrifying medical condition. Apparently written in basically just one take, it's a true testament to the way music helps us heal. Especially fitting for all of us there that night. Beginning very melodically, AFIB immediately felt exceptionally powerful and became downright joyous, which held their audience in rapt attention and encouraged us to recognize and appreciate the moment around us.
In keeping with the mood, the band then called for some help "getting saxy" from Funk Worthy saxophonist Chuck Worthy for a cover of Kendrick Lamar's anthem Alright. With Chuck alternating between rapping and his sax, OLDE FRNDS performed what I can only think to describe as a fun, rocked up rendition of the hip hop track.
Departing slightly from the traditional set, but still important enough to fit into the official set list I received for the show, Ramsey took a moment to acknowledge his parents who had made the trip from Kentucky to support them. Only a few days prior had been his mother's birthday, and the crowd gladly followed their lead in celebrating with a couple birthday songs.
With the instruction that we "gotta be dancin' when the rhythm hits," the crowd clapped along as Pineapple Cloud of Lies, the first single from "The Future is Unnecessary," began. This was a finished product born from jamming together during their last EP, "The Couch." It really was only natural to want to jam with them to this funky tune, and we certainly had no trouble making sure we were dancing. A little different than most selections of the night, Pineapple Cloud of Lies mellowed itself out, as though to give the listener enough of a refractory period for what was to come.
If one track from "The Future is Unnecessary" could be used to represent the whole EP, and maybe even the sound of the band itself, it would be Friday Night Lights. During our interview it was brought up that this was probably the "tour de force" of the EP, "hitting so many different points on the musical compass," as described by MIMC's Rick Gethin. A prime example of the chemistry and ease within the band, OLDE FRNDS' members mentioned that it might just be the simplest thing they'd written so far.
MIMC: It sounds like you guys are having fun just on the recorded version, I can only imagine what it'll be like live.
Carl: I actually hated writing that song, I couldn't stand it while we were writing.
Ramsey: The thing that's funny about us writing it is that I don't even remember writing it.
Carl: The thing is the song is so big that I just have to play root notes the whole time because if I do anything else it sounds like trash. So I'm like "I'm bored," but then the second we got in front of people it was like "Oohh that's right, that's why this is so fun."
These details might actually be what helps make the track so compelling, though, as Will recognizes that the simplicity lets them "relax and just vibe and have fun." This could not have been more apparent than at the release show Saturday, as Ramsey hopped off the stage to join the crowd, while the drum hits compelled the whole room to immediately start dancing.
The uptick in energy was unavoidable and was carried forward with each new musical element thrown our way. The dynamic range of feeling brought together in the track in turn solidified the community of their audience through this shared evening of experience.
Keeping the vibe rolling, OLDE FRNDS then invited their own old friends and fans to join them on stage and dance with them for their cover of Childish Gambino's Redbone. Everyone who obliged knew exactly what this kind of tradition was all about. A frown couldn't have survived in that room, as overtop of the instrumental everyone burst into the lyrics of Smashmouth's Allstar. The comradery was infectious.
Feeding off of the goodwill in the room, an impromptu decision was made to bring out a track from "The Couch" EP, titled Fleeting Memories. Will explained that the writing of this basically happened through his jamming with Dwayne, and that it ultimately saved his life during a time when he was really struggling. The guitar-heavy and drum-filled tune added another layer to the bond attendees were sharing that night.
To round it all out, Chuck was brought back up to play saxophone for a cover of Careless Whisper by Wham! Through some twist of fate, BAVE's guitarist, Ben, was also ushered onto the stage to handle the vocal part in a spontaneous, poor-man's karaoke fashion: reading the lyrics off of his phone.
The excellent instrumentation bolstered the audience to sing along too, both having a blast and helping out our brand new vocalist. I doubt I'd be able to come up with a more fitting end to this uplifting evening of togetherness, gratitude, and musicianship. I feel confident that not one person walked out of OLDE FRNDS show Saturday night without a smile in their heart.
To wrap up our interview earlier in the week, MIMC asked what OLDE FRNDS' long term goal is as a band. Besides the obvious ideal of finding their success in this industry, the members agreed they really just want to stay friends and "pump out as much music as fuckin' possible." We definitely want those things for these guys, too.
Set List
- Living Is Expensive
- Nighttime Smokes
- New New (Same 12)
- Alright (Kendrick Lamar cover)
- Pineapple Cloud Of Lies
- Friday Night Lights
- Redbone (Childish Gambino cover)
- Fleeting Memories
- Careless Whisper (Wham! cover)
Credit all images: Tom Bauer/Orange Attic Creative/MIMC
OLDE FRNDS – Friday Night Lights


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Showing News articles tagged with art. Show all news articles.
Nancy Marks, Tisch College's community-service learning coordinator at the Tufts University School of Dental Medicine, leads art workshops for family members and friends of those suffering addiction's devastation.
At an event co-sponsored by Tisch College, SMFA alum Kim Berman spoked about co-founding a printmaking center in her native South Africa that encourages artists to bring positive change.


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The Crystal Lake Police Department has announced the results of its Fourth of July traffic enforcement.
Law enforcement throughout the state participated in the effort from June 17 through July 8 to encourage drivers to refrain from drinking and driving and to buckle up, according to a news release.
Crystal Lake had extra officers out on June 29, July 3 and July 6 to help increase safety on the roads, according to the release. During the Crystal Lake mobilization the police department stopped 31 drivers for traffic violations and issued 33 citations and warnings.
There were seven safety belt citations, one child restraint citation, four phone citations, 10 speeding citations, one uninsured vehicle citation, two equipment and other moving citations, one driving a vehicle without a valid license citation, and seven written warnings, according to the release.
The effort was funded by the federal traffic safety funds through IDOT's Division of Traffic Safety and was part of the statewide "Drive Sober or Get Pulled Over" and "Click it or Ticket" campaigns.


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You may additionally discover Walmart's lowest costs on picnic objects like paper plates, napkins, plastic cups, plasticware and more, do it's important to wish to take your meal to the good open air. Bain Marines are perfect for buffet set ups the place pals are allowed to dish the food themselves. They're fairly effective as a result of they can maintain food heat for a protracted period until it is dished. There's nothing like a heat meal to keep up the physique heat.
The 'pursuit of consolation' has consequence in the growth of frozen foods from simple luggage of frozen peas to juice concentrates and complex TELEVISION dinners. Those that course of food now use the perceived worth of time as the inspiration of their market attraction. You might't get away from consuming some processed foods… the comfort is irresistible.
If extreme threat food is being served chilly, it must be refrigerated between 1 and 4 levels C and held at that temperature till served. Sandwiches and baguettes with protein fillings, pork pies, pates, chilly meats, seafood, and so forth can all trigger food poisoning if left at heat temperatures, as any micro organism or spores current will begin to develop to harmful ranges. (Spores would only develop as vegetative pathogens after germinating.) It is the huge numbers of micro organism that cause food poisoning. Foodborne illnesses are caused by fewer micro organism, which might be termed low dose pathogens.
Whilst you eat processed foods you cut back the likelihood of being poisoned or selecting up a food-borne illness. The dietary value of what you eat may be extra consistent and you will in all probability be ingesting more nutrients and dietary vitamins than you would get by eating solely unprocessed food.
An article in the Each day Mail talks to a lot of vitamin specialists on the topic. These consultants declare that many massive pet food manufacturers are selling food which is unfit for dogs. They say that the food produced by these enormous producers can shorten your canine's lifespan by as much as a 12 months.
Retrieved from on 2006-09-29. 2004. Asado Argentina.
Tomorrow is the ultimate day of operation for the original Nong's Khao Man Ghai, which is being evicted to make room for a model new luxurious resort. Okay, I'm simply hanging out at Kroger. Ready,†the mom of three stated in a video she shared to her Instagram Story. The nutritional worth of food is perhaps elevated by the addition of additional nutrients and nutritional nutritional vitamins during processing. Julian Agyeman, Caitlin Matthews, and Hannah Sobel, eds. Food Vehicles, Cultural Id, and Social Justice. MIT Press, 2017.
As well as, the B difficult, C and E nutritional nutritional vitamins linked with stress-discount and the prevention of most cancers and coronary coronary heart illness, in addition to the vital hint minerals needed for optimum mind and physique functioning, were all rendered ineffective by microwaves, even at brief cooking durations. Microwave-cooked food is mainly lowered to the dietary equal of cardboard. For those who don't want to develop nutrient deficiencies, you might be greater off throwing this equipment out of your kitchen. The radiation has been discovered to construct up within the kitchen furnishings, turning into a relentless supply of radiation in itself.
Kripke, Gawain. Retrieved from on 2006-09-29.
The federal government (taxpayers) will buy as much as $1.2 billion in commodities and then distribute them to food assistance packages. The editors requested the numerous chapter writers to discuss the motivations behind a selected metropolis's promotion of cellular food merchandising, and to explain how these motivations relate to broad objectives of social justice.
Meet Major League Consuming , an organization that sponsors—and offers schedules for—nationwide eating contests. The proportion of U.S. kids dwelling in poverty, says the USDA, is increased than it was sooner than the Nice Recession of 2008 and appears to be rising, notably in rural areas and the South. It is a mess and clearly not good for US agriculture. President Trump, as I noted earlier , has promised $12 billion in reduction. The administration has not acknowledged the place that cash—which in any case just isn't going to be virtually enough—is coming from.
, a non-profit group. If food is retained on the proper scorching-holding temperature, it may be served indefinitely, as it's going to stay safe at that temperature. The Russians also reported elevated charges of stomach and intestinal cancers, in addition to digestive and excretive issues, plus a greater share of cell tumors, including sarcoma.