text: Centers and Institutes... With approximately $3.5 million in federal research and professional training funding over the last several years; more than 30 active faculty members across seven colleges; and a rapidly growing list of partners, collaborators, and stakeholders, the emerging Forensic Sciences Initiative aims to provide step-change advances in the forensic sciences.

textbook:
Lesson: Introduction to Forensic Sciences

### Section 1: What are Forensic Sciences?
Forensic sciences are the application of science to criminal and civil laws. They involve the examination and evaluation of physical evidence in order to solve crimes or resolve disputes. Forensic scientists use their knowledge of various fields, such as biology, chemistry, physics, and engineering, to analyze and interpret evidence found at crime scenes.

### Section 2: Why are Forensic Sciences Important?
Forensic sciences are important because they help to solve crimes, identify criminals, and exonerate the innocent. They provide objective evidence that can be used in court to prove or disprove a theory. Forensic sciences also play a crucial role in ensuring public safety by identifying potential threats and preventing future crimes.

### Section 3: How do Forensic Scientists Work?
Forensic scientists work in a variety of settings, including laboratories, crime scenes, and courtrooms. They collect and analyze physical evidence, such as blood, hair, fibers, and fingerprints, using specialized equipment and techniques. They also interpret their findings and present them in a way that is understandable to non-experts, such as jurors or law enforcement officers.

### Section 4: What are Some Examples of Forensic Sciences?
Some examples of forensic sciences include:
- DNA analysis: The study of genetic material to identify individuals or determine relationships between them.
- Toxicology: The analysis of substances in the body to determine their presence, concentration, and effects.
- Digital forensics: The examination of digital devices, such as computers and cell phones, to recover and analyze data.
- Document examination: The analysis of handwriting, ink, paper, and other characteristics of documents to determine authenticity.

### Section 5: Conclusion
Forensic sciences play a vital role in solving crimes and ensuring public safety. By understanding the principles and techniques involved in this field, we can better appreciate the importance of scientific evidence in legal proceedings and make informed decisions about our own safety and well-being.

### Glossary
- DNA: Deoxyribonucleic acid, the molecule that carries genetic information and is found in the cells of all living organisms.
- Toxicology: The study of the adverse effects of chemical, physical, or biological agents on people, animals, or the environment.
- Digital forensics: The process of collecting, preserving, and analyzing digital evidence in a forensically sound manner.
- Document examination: The scientific analysis of documents to determine their origin, authenticity, and other characteristics.


text: Published on. These are the slides that were be presented at a GlobalSign customer event in Leuven on September 16, 2014. In my talk, I explained why digital signatures are important. I introduced the audience to the basic concepts used when signing documents and showed how these concepts are used in the context of PDF. Furthermore, I discussed different architectures to implement a digital signature solution, as well as how digital signatures can be used in a workflow and how we can create digital signatures for the long term.

source: refinedweb

textbook:
Lesson: Digital Signatures and Their Importance

**Introduction:**
Digital signatures are electronic signatures that are used to verify the authenticity and integrity of digital documents. They play a crucial role in ensuring the security and reliability of electronic transactions. In this lesson, we will explore the basic concepts of digital signatures, their importance, and how they work.

**Basic Concepts of Digital Signatures:**
A digital signature is a mathematical scheme that uses a pair of keys to sign and verify the authenticity of a message or document. The signature ensures that the message has not been altered since it was signed, and that it was indeed sent by the person claiming to have sent it.

The basic concepts involved in digital signatures are:

1. Public Key Cryptography: This is a method of secure communication that uses a pair of keys - one public and one private - to encrypt and decrypt messages. The public key can be shared with anyone, while the private key is kept secret and used to decrypt messages.

2. Hashing: This is a process of converting a message or document into a fixed-length string of characters. The hash value is then used to verify the integrity of the message. If the message is altered in any way, even by a single character, the hash value will change, indicating that the message has been tampered with.

3. Digital Certificates: These are electronic documents that are used to prove the identity of a person or organization. A digital certificate is issued by a trusted third party, known as a Certificate Authority (CA), and contains information about the owner of the certificate, such as their name, email address, and public key.

**Importance of Digital Signatures:**
Digital signatures are essential for ensuring the security and reliability of electronic transactions. They provide a means of verifying the authenticity and integrity of digital documents, which is especially important in industries such as finance, healthcare, and government, where confidential information is exchanged electronically.

Some of the benefits of digital signatures include:

1. Legal Validation: Digital signatures have the same legal standing as handwritten signatures, making them legally binding in many countries.

2. Non-Repudiation: Digital signatures provide evidence that a message was sent by a particular person and that it has not been altered since it was signed. This helps prevent denials of sending a message or signing a document.

3. Data Integrity: Digital signatures ensure that a message or document has not been tampered with since it was signed, providing proof of the document's integrity.

**Implementing Digital Signature Solutions:**
There are several ways to implement a digital signature solution, depending on the needs of the organization. Some of the most common methods include:

1. Hardware Tokens: These are physical devices that generate and store digital signatures. They are typically used in combination with smart cards or USB tokens.

2. Software Tokens: These are virtual tokens that run on a computer or mobile device. They generate digital signatures based on a user's password or biometric data.

3. Cloud-Based Solutions: These are digital signature solutions that are hosted on cloud servers. Users can sign documents using a web browser or a mobile app.

**Using Digital Signatures in Workflows:**
Digital signatures can be used in various workflows to streamline processes and improve efficiency. For example, they can be used to:

1. Approve Documents: Digital signatures can be used to authorize and approve documents, such as contracts or invoices, without the need for physical paperwork.

2. Sign Contracts: Digital signatures can be used to sign contracts electronically, eliminating the need for paper contracts and reducing the risk of errors or discrepancies.

3. Verify Identities: Digital signatures can be used to verify the identities of individuals or organizations, ensuring that only authorized parties have access to sensitive information.

**Creating Digital Signatures for the Long Term:**
To ensure that digital signatures remain valid over time, it is essential to follow best practices for creating and managing them. Some of these practices include:

1. Using strong encryption algorithms: To ensure the security of digital signatures, it is essential to use strong encryption algorithms that are resistant to attacks.

2. Regularly updating keys: Digital signature keys should be regularly updated to prevent unauthorized access to messages or documents.

3. Storing signatures securely: Digital signatures should be stored in a secure manner, using encryption and access controls to protect them from unauthorized access.

**Conclusion:**
Digital signatures are an essential tool for ensuring the security and reliability of electronic transactions. By understanding the basic concepts of digital signatures, their importance, and how they work, we can apply this knowledge to a wide range of scenarios, from financial transactions to healthcare records. With the right implementation strategies and best practices, digital signatures can provide a secure and efficient way to verify the authenticity and integrity of digital documents.


text:
Getty Images

On Monday, Florio passed along a report stating that most NFL teams haven’t come up with a plan about how to use the locker room cameras that the NFL ordered them to install before the 2013 season to provide exclusive stadium video for people buying tickets to attend games.

The teams are free to use (or not use) the video as they see fit and linebacker Clay Matthews is likely hoping that the Packers choose not to use the video at all. Matthews spoke to Jarrett Bell of USA Today about the NFL’s plans and said he thought that the idea of cameras in the locker room was a “perversion.”

“I’m not a fan of that, and I’m not afraid to say that,” Matthews said. “The availability of the athletes is already so great to fans, the organization and the media, but now to add the locker room — our one sanctuary, which is even taken over by the media — and now you throw in cameras? You think ‘cameras in the locker room’ and what does that conjure up images of? It’s a privacy issue. I know they’re trying to give the fans more of an experience, but what more can you do? We do interviews on the sideline, there’s social media. You can’t leave the parking lot without people swarming your cars. I’m not a fan of it.”

Matthews explained his privacy concerns by saying that he’s had fans follow him home on multiple occasions, something he called “scary.” While that would seem like an occupational hazard Matthews will have to deal with whether or not there are cameras in the locker room, it would also qualify as the concerns that the NFLPA asked players to share with them in April after the NFL made their camera decree without consulting the union.

Since the Packers don’t have a problem selling tickets, Matthews might have less to worry about from the video than players on teams trying to drum up sales. Should enough players make their opposition to the cameras known, though, there could be a bigger fight looming on this front.

source: minipile

textbook:
Lesson: Introduction to Privacy Issues in Sports

Objective: Students will learn about privacy issues in sports and understand the importance of protecting personal spaces.

Materials:
- Computer with internet access
- Projector or smartboard
- Whiteboard markers
- Notebooks

Introduction:
In this lesson, we will explore the issue of privacy in sports. We will learn about the challenges athletes face when it comes to maintaining their personal spaces and how technology has made it harder for them to do so.

Section 1: Understanding Privacy

Question: What is privacy?
Answer: Privacy refers to the ability of an individual or group to seclude themselves or information about themselves, and thereby express themselves freely without any fear of being watched, listened to, or recorded by others.

Question: Why is privacy important?
Answer: Privacy is important because it allows individuals to have control over their personal lives and information. It enables them to maintain their dignity and integrity while protecting their rights and freedoms.

Section 2: Privacy Issues in Sports

Question: What are some privacy issues that athletes face?
Answer: Athletes face several privacy issues, including the use of locker room cameras, constant media attention, and invasive interviews. These issues can make it difficult for athletes to maintain their personal spaces and can lead to feelings of frustration and resentment.

Question: How have technological advancements affected athletes' privacy?
Answer: Technological advancements have made it harder for athletes to maintain their privacy. With the rise of social media and the internet, it is easier than ever for people to access personal information about athletes and invade their personal spaces. Additionally, the use of locker room cameras has created additional concerns about athlete privacy.

Section 3: Protecting Personal Spaces

Question: How can athletes protect their personal spaces?
Answer: Athletes can protect their personal spaces by being aware of the information they share online, limiting their interactions with the media, and speaking out against policies that they believe infringe on their privacy rights.

Question: What can fans do to respect athletes' privacy?
Answer: Fans can respect athletes' privacy by not seeking out personal information about them and refraining from harassing or invasive behavior. Additionally, fans can support athletes who speak out about privacy issues and advocate for changes to protect athlete privacy.

Conclusion:
In conclusion, privacy is an important right that should be protected. Athletes face unique challenges when it comes to maintaining their personal spaces, and technological advancements have made it harder for them to do so. By understanding the importance of privacy and taking steps to protect it, athletes can maintain their dignity and integrity while preserving their rights and freedoms.


text:
It's been a fun season. Everybody on this team has been a blast to play with and for the first time, I can confidently say I don't regret any decisions I made with the roster. We will be back next season!

Completely off topic but I'm so glad we're playing in a single division. In the past at this stage of the season, there were so many games between completely mismatched teams because everybody had run out of well-matched opponents. This season in comparison, the matches have only continued to get better as the season has progressed. It's been fun!

These interviews are amazing. They really help give perspective into the teams- thanks to bleghfarec for doing them and thanks to the players for being willing to take the time to give interesting answers!

textbook:
Lesson: Understanding the Concept of Fun

Introduction:
The concept of fun is subjective and varies from person to person. However, there are certain activities that are universally considered fun, such as playing sports, spending time with friends and family, and engaging in creative pursuits. In this lesson, we will explore the concept of fun and learn how to identify what makes an activity enjoyable for us and others.

Section 1: Defining Fun

**Question:** What is fun?
**Answer:** Fun is an emotion or feeling that people experience when they are enjoying themselves. It can be defined as a state of happiness, amusement, or pleasure.

Section 2: Identifying Fun Activities

**Question:** How can we identify activities that are fun for us?
**Answer:** To identify activities that are fun for us, we need to consider our interests, preferences, and values. We can start by making a list of activities that we enjoy, such as reading, playing video games, or painting. Then, we can try new activities that align with our interests and see if they are enjoyable.

Section 3: Sharing Fun with Others

**Question:** How can we share fun with others?
**Answer:** We can share fun with others by inviting them to participate in activities that we enjoy. We can also encourage them to try new activities and provide support and encouragement when they do. Additionally, we can laugh together, tell jokes, and engage in lighthearted conversation to create a fun atmosphere.

Section 4: Benefits of Fun

**Question:** Why is fun important?
**Answer:** Fun is important because it helps us relax, reduce stress, and improve our mood. Engaging in fun activities can also increase our productivity, creativity, and overall well-being.

Conclusion:
In conclusion, understanding the concept of fun is essential to leading a happy and fulfilling life. By identifying activities that we enjoy and sharing them with others, we can create a more positive and enjoyable world. Remember, fun is subjective, so don't be afraid to try new things and find what brings you joy.


text: 195. Turtle on a Fence Post. Conservatives are united in praise of Neil Gorsuch, but what do those terms – originalism, textualism, and so forth – really mean? Ed Whelan, former Scalia clerk and president of the Ethics and Public Policy Center, joins to explain all.. Jay and Mona then chew over President Trump’s week. Flynn, Conway, nuclear holocaust, anti-Semitism, Electoral College tallies, truth, lies, and the rock ’em sock ’em press conference. Other topics include Down syndrome, and the courage and love of parents.. Subscribe to Need to Know in iTunes (and leave a 5-star review, please!), or by RSS feed. For all our podcasts in one place, subscribe to the Ricochet Audio Network Superfeed in iTunes or by RSS feed.

textbook:
Lesson: Understanding Legal Terms

## Section 1: Introduction

In this lesson, we will learn about some legal terms that are often used by conservatives. We will explore the meaning of these terms and how they are applied in the legal system. By the end of this lesson, you will be able to understand and use these terms in conversations about law and politics.

## Section 2: Legal Terms Explained

### Originalism
Originalism is a legal philosophy that interprets the Constitution and other legal documents as they were originally written and intended by the framers. This means that judges should interpret the law based on its original meaning, rather than applying modern-day interpretations.

### Textualism
Textualism is a legal philosophy that emphasizes the importance of the actual words used in a law or document, rather than relying on broader principles or intentions. This means that judges should interpret the law based on its literal meaning, without considering other factors such as the context or intent of the law.

### Stare Decisis
Stare decisis is a legal principle that means that judges should follow precedents set by previous court decisions. This means that if a court has made a decision on a similar case in the past, future courts should follow that decision unless there is a good reason to overturn it.

## Section 3: Practical Examples

Let's consider a hypothetical case to see how these legal terms might be applied. Suppose a law was passed that prohibits discrimination against people with disabilities. A business owner argues that they should be allowed to refuse service to someone with a disability because it goes against their religious beliefs. How would a judge interpret this law?

Using originalism, the judge would look at the language of the law and interpret it based on its original meaning. They might consider the intent of the framers of the law and how it would have been interpreted at the time it was written.

Using textualism, the judge would focus solely on the words of the law and their literal meaning. They might not consider any broader principles or intentions and instead base their decision solely on the language of the law.

Using stare decisis, the judge would look to previous court decisions for guidance. If there have been previous cases involving similar situations, the judge would likely follow the precedent set by those decisions.

## Section 4: Self-Debating Discussions

1. Do you think originalism is a valid legal philosophy? Why or why not?
2. How does textualism differ from originalism? Which do you think is more effective in interpreting the law?
3. Can you think of any examples where stare decisis has been applied successfully?

## Section 5: Glossary

- Originalism: A legal philosophy that interprets the Constitution and other legal documents as they were originally written and intended by the framers.
- Textualism: A legal philosophy that emphasizes the importance of the actual words used in a law or document, rather than relying on broader principles or intentions.
- Stare Decisis: A legal principle that means that judges should follow precedents set by previous court decisions.

## Conclusion

In this lesson, we learned about three legal terms - originalism, textualism, and stare decisis - and how they are applied in the legal system. We also explored practical examples of how these terms might be used in a hypothetical case. By understanding these terms and their applications, we can better engage in discussions about law and politics.


text: Today we take a look at Sakura Taisen for the Sega Saturn. We’re using an Open Source Scan Converter (OSSC) HDMI upscaler from RGB source with a peppering of scanlines (6%). Everyone needs more scanlines in their lives, a bit awkward on full motion video but what can you do!. This game has been recently (late 2019) been fan translated for the Saturn. I’ve always been a fan of the soundtracks which were released as box sets. They are fantastic! We’ve got Project Sakura Wars (Shin Sakura Taisen) on the way sometime soon – which just ads to the excitement.. Other great games like Final Fantasy VII are also been remade for modern consoles, I might need to finally install that PSIO from many years ago into my PlayStation 1!

textbook:
Lesson: Introduction to Video Game Emulation

## Section 1: Theoretical Concepts
Emulation refers to the process of creating an imitation or replica of something, in this case, video games. Emulators are computer programs that allow us to play video games on a different platform or operating system than the original. This is achieved by simulating the hardware of the original console, allowing the emulator to run the game's code.

## Section 2: Practical Examples
To understand how emulation works, let's consider the example of playing a Super Nintendo game on a Windows PC. The first step would be to download a Super Nintendo emulator, such as SNES9X. Next, we would need to find a ROM (Read-Only Memory) file of the game we want to play. ROMs are digital copies of games that have been dumped from the original cartridge. Once we have the ROM file, we can open it in the emulator and start playing the game.

## Section 3: Real-World Scenarios
Emulation is a popular way to play retro games on modern devices. It allows us to experience classic games without having to track down and purchase the original hardware and cartridges. Emulation also preserves these games for future generations, as physical copies of games can degrade over time. However, emulation can also infringe on copyright laws, so it is essential to only use ROMs of games we own or have the rights to.

## Glossary
- ROM: Read-Only Memory
- Emulator: A software program that simulates the hardware of a video game console
- Retro: Relating to older, usually more simple, forms of entertainment
- Preserve: To keep something in its original form or condition

## Conclusion
Emulation is a fascinating topic that allows us to experience classic video games on modern devices. By understanding the theoretical concepts and practical applications, we can appreciate the importance of preserving these games for future generations. With the knowledge gained from this lesson, we can apply our skills to other areas of gaming, such as modding or programming.


text: A deep, rich navy blue and white color palette brings such classic elegance to this beautiful floral wedding invitation suite by Half His Half Hers for Megan and Josh’s outdoor summer wedding.. Pieces in the suite include a save the date, invite, response card, thank you, and program. All are offset printed on bright white 130# cover stock. The map/hotel info was printed separately as an insert, and envelopes were sealed with an “m&j” monogram seal sticker.. Brooke from Half His Half Hers shares:. Megan + Josh wanted something classic, elegant, traditional — a bit soft, romantic and beautiful for their outdoor summer wedding. The ceremony is taking place in the groom’s parents’ backyard, with lots of fresh flowers and a mostly white color palette with hints of deep blue. We really wanted to incorporate some sort of floral element to reflect the garden setting, and I found a lovely vintage illustration to use throughout the suite.. images from Half His Half Hers

textbook:
Lesson Title: Introduction to Color Palettes in Wedding Invitations

Overview:
In this lesson, we will explore the importance of color palettes in wedding invitations and how they can enhance the overall aesthetic of the event. We will discuss the different types of color palettes, their significance in design, and how to choose the right one for your wedding. By the end of this lesson, you will have a better understanding of how to use color effectively in your wedding invitations and create a cohesive theme that represents your personal style.

Level: Primary through High School

Section 1: Introduction to Color Palettes

Topic 1: What is a Color Palette?
- A color palette is a set of colors that are used together in a design to create a harmonious and visually pleasing look.
- It includes various shades, tones, and hues of a particular color or a combination of colors that work well together.

Topic 2: Importance of Color Palettes in Wedding Invitations
- Color palettes play a crucial role in creating a visual identity for your wedding and set the tone for the entire event.
- They help establish a mood, convey a message, and evoke emotions in the guests.
- A well-designed color palette can make your wedding invitations stand out and leave a lasting impression on your guests.

Section 2: Types of Color Palettes

Topic 1: Monochromatic Color Palettes
- A monochromatic color palette consists of different shades, tones, and hues of a single color.
- It creates a cohesive and elegant look and is ideal for weddings with a minimalist theme.

Topic 2: Complementary Color Palettes
- A complementary color palette includes two colors that are opposite each other on the color wheel, such as red and green or blue and orange.
- This type of color scheme creates a bold and striking visual impact and is perfect for couples who want to make a statement with their wedding invitations.

Topic 3: Contrasting Color Palettes
- A contrasting color palette combines two or more colors that are highly contrasting, such as black and white or pink and blue.
- This type of color scheme can create a dramatic effect and is ideal for couples who want to make a bold statement with their wedding invitations.

Section 3: Choosing the Right Color Palette

Topic 1: Consider Your Theme and Style
- Your wedding theme and style should guide your choice of color palettes.
- For example, if your wedding has a vintage theme, you may want to choose warm, earthy colors like brown and gold.

Topic 2: Consider the Season and Venue
- The season and venue of your wedding can also influence your choice of color palettes.
- For example, if your wedding is in the spring, you may want to choose pastel colors like pink and lavender.

Topic 3: Consider Your Personal Style
- Your personal style should also be reflected in your wedding invitations.
- If you prefer a classic and elegant look, you may want to choose a neutral color palette like white and gold.

Section 4: Creating Your Own Color Palette

Topic 1: Analyzing the Color Palette in the Example
- Look at the color palette in the example and analyze the different shades, tones, and hues used.
- Notice how the deep blue and white colors create a soft, romantic, and elegant look.

Topic 2: Creating Your Own Color Scheme
- To create your own color palette, start by selecting a base color that represents your personal style.
- Then, choose complementary colors that work well with the base color and create a cohesive look.

Topic 3: Experimenting with Different Colors
- Don't be afraid to experiment with different colors and combinations until you find the perfect color palette for your wedding invitations.
- Remember that even a small change in color can make a big difference in the overall design.

Section 5: Conclusion

In this lesson, we learned about the importance of color palettes in wedding invitations and how they can enhance the overall aesthetic of the event. We explored different types of color palettes, such as monochromatic, complementary, and contrasting, and discussed how to choose the right one for your wedding. Finally, we created our own color palette by analyzing the example and experimenting with different colors. By applying these concepts, you can create stunning wedding invitations that reflect your personal style and leave a lasting impression on your guests.


text: This is required for tax purposes.. We will email you an invoice immediately with instructions on how to pay. This domain will not be secured until we receive payment.. Prefer to pay in instalments? Learn more. A corporate, peaceful and original domain which would be ideally suited to a company in the transport, biotechnology or AI sectors.. Saragas has seven characters and three syllables. Successful brands using three syllable names include Vodafone, Toshiba and Adidas.. This domain was first registered in April 2001. Older domains have an advantage when ranking in search engines.. Saragas.com is a dot com domain. Dot com is the most prestigious domain extension. A dot com is the first thing people think of when they think of a website.. Considering using the brand name "Saragas"?. Oren A. Ushir S. Michael S

textbook:
Lesson: Introduction to Domain Names

### Section 1: What is a Domain Name?
A domain name is an essential component of any website. It is the unique address that identifies a website on the internet. Without a domain name, visitors would have to remember the numerical IP address of the website every time they wanted to visit it.

### Section 2: Importance of Choosing the Right Domain Name
Choosing the right domain name is crucial for several reasons. Firstly, it helps establish your online presence and creates a professional image. Secondly, it makes it easier for visitors to find your website since they can simply type in the domain name instead of the IP address. Lastly, a good domain name can also help improve your search engine rankings.

### Section 3: Types of Domain Extensions
There are several types of domain extensions, including .com, .org, .edu, .net, .gov, and many others. Some domain extensions are reserved for specific organizations or purposes, while others are available to anyone. The most common domain extension is .com, which stands for "commercial."

### Section 4: How to Choose the Right Domain Name
Choosing the right domain name can be a challenging task, but there are some guidelines that can help. Firstly, try to keep it short and memorable. Secondly, use keywords that are relevant to your business or website. Finally, avoid using hyphens or numbers, as they can make it harder to remember.

### Section 5: Tips for Choosing a Good Domain Name
Here are some tips for choosing a good domain name:

1. Keep it short and memorable: A good domain name should be easy to remember and spell.

2. Use keywords: Incorporate keywords related to your business or website to make it easier for visitors to find you.

3. Avoid hyphens and numbers: Hyphens and numbers can make it harder to remember your domain name.

4. Be creative: Choose a unique and creative domain name that stands out from the competition.

5. Check availability: Make sure the domain name you want is available before registering it.

### Section 6: Conclusion
In conclusion, choosing the right domain name is an important step in creating a successful website. It helps establish your online presence, makes it easier for visitors to find your website, and can even improve your search engine rankings. By following the tips provided in this lesson, you can choose a good domain name that meets your needs and reflects your brand.


text: Board. ALLL planning.. ALLL planning. Your credit union CECL committee. If a credit union has not yet formed a committee to oversee CECL implementation, consider including representatives from the board of directors, accounting/finance, information technology, credit analysis, internal audit and risk mitigation.. CECL Implementation.. Board. Backtesting for Reporting. Backtesting is an exercise that compares the actual outcome with model forecasts during a defined period. It can be considered a form of outcome analysis to monitor model performance and determine if adjustments or revisions are needed over time.. Board. Presenting to Board. When presenting ALLL results to the board, financial professionals do not need as much documentation as is necessary for examiners. Rather, they should keep the presentation concise, objective and focus on the big picture.

textbook:
Lesson: Introduction to Credit Loss Accounting (CECL)

## Section 1: Theoretical Concepts

CECL stands for Current Expected Credit Loss. It is an accounting standard that requires financial institutions to estimate the expected credit losses on their loans and other financial instruments. This standard is intended to provide more accurate and timely information about the credit quality of a company's loan portfolio.

Under CECL, financial institutions must use a forward-looking approach to estimate credit losses. This means that they must consider not only current economic conditions but also future events that could affect the borrower's ability to repay the loan.

## Section 2: Practical Examples

Let's say a bank has a loan portfolio of $100 million. Under the old accounting standard, the bank would only recognize a loss if there was evidence of a problem, such as a borrower defaulting on their payments. However, under CECL, the bank must estimate the expected credit losses over the life of the loan.

Assuming that the bank expects the economy to worsen in the next few years, it may decide to set aside a larger allowance for loan losses. For example, if the bank estimates that 3% of its loan portfolio will default in the next year, it would set aside $3 million as a provision for loan losses.

## Section 3: Real-World Scenarios

One real-world scenario where CECL comes into play is during the COVID-19 pandemic. Many financial institutions have had to adjust their estimates of expected credit losses due to the uncertain economic environment. For example, a bank that lends to small businesses may have to increase its allowance for loan losses because of the high number of business closures and defaults.

## Glossary

- Allowance for Loan Losses (ALLL): An accounting item that represents the estimated losses on loans that are unlikely to be collected.
- Current Expected Credit Loss (CECL): An accounting standard that requires financial institutions to estimate the expected credit losses on their loans and other financial instruments.
- Provision for Loan Losses: An expense item that represents the amount of money that a financial institution sets aside to cover potential loan losses.

## Conclusion

CECL is a complex accounting standard that requires financial institutions to make forward-looking estimates of credit losses. By understanding the theoretical concepts, practical examples, and real-world scenarios, we can better understand the impact of CECL on financial statements and the overall economy. As we continue to learn about CECL, we can apply these skills to new problems and make informed decisions about our financial future.


text: This week I reflect back on times of past Halloweens and the memories they created for me including working in a couple haunted houses. Another tid bit of advice from a famous women, and I share the experience of changing a tire by myself, and answer a listener's question plus a bit of classic comedy, and more!. Link referenced for 25 Famous Women on the Best Advice They’ve Ever Given or Received. BECOME a PATRON of the show at PATREON at: patreon.com/ChangesInLatitudesPodcast. FACEBOOK: Facebook.com/ChangesInLatitudesPodcast. TWITTER: @SabrinaMiller41

textbook:
Lesson: Changing a Tire
Introduction:
Changing a tire is an essential skill that everyone should know. In this lesson, we will learn how to change a tire safely and efficiently. This skill can save you time and money by preventing costly towing fees and avoiding being stranded on the side of the road.
Core Value:
The core value of this lesson is the importance of being prepared for emergencies. By knowing how to change a tire, you can avoid being stranded on the side of the road and save yourself time and money.
Section 1: Theoretical Concepts
- A tire is made up of several parts, including the tread, sidewall, bead, and inner liner.
- The tread is the part of the tire that comes into contact with the road surface.
- The sidewall is the part of the tire that connects the tread to the wheel rim.
- The bead is the part of the tire that holds the tire onto the wheel rim.
- The inner liner is the part of the tire that helps prevent air leakage.
Section 2: Practical Examples
- To change a tire, you will need a spare tire, a lug wrench, and a jack.
- First, park the car on a flat surface and turn on the hazard lights.
- Loosen the lug nuts on the flat tire using the lug wrench.
- Use the jack to lift the car off the ground.
- Remove the flat tire and replace it with the spare tire.
- Tighten the lug nuts as much as possible.
Section 3: Real-World Scenarios
- What if the spare tire is also flat?
- What if the jack fails to lift the car off the ground?
- What if the lug nuts won't come loose?
Glossary:
- Lug Nuts: The nuts that hold the wheel onto the car.
- Jack: A device used to lift heavy objects.
Conclusion:
In this lesson, we learned how to change a tire safely and efficiently. By being prepared for emergencies, you can avoid being stranded on the side of the road and save yourself time and money. Remember to always check your tires regularly and keep a spare tire in your car.


text: Original URL:. Overture searches for WAP gold. Voda and Orange to deploy Overture ad listings. Posted in Mobile, 30th March 2004 14:21 GMT. Overture has done a deal with Vodafone and Orange to provide travel directories on their UK WAP portals.. Browsers will see Overture advertising listings, triggered by keywords, next to the searches they are performing. Advertisers pay the Yahoo! subsidiary Overture according to how many clickthroughs they receive.. Overture said the deal would help it better understand mobile users before a full launch of paid-for-searches later this year. It is kicking off with text and location-based services, before "gradually moving on to more sophisticated applications allowing easy migration to 3G".. The service is being launched with location specialists Mobile Commerce Ltd. Overture says it is talking to other operators and will announce further partners shortly. ®. Related stories. Yahoo! buys Kelkoo. Yahoo! takes! Overture! to! Europe!. Yahoo! buys! Overture!

textbook:
Lesson: Understanding Paid Search Advertising

Introduction:
Paid search advertising is a form of online marketing where advertisers pay a fee each time one of their ads is clicked. This form of advertising is commonly used by businesses to drive traffic to their websites and increase sales. In this lesson, we will explore the basics of paid search advertising and how it works.

Section 1: What is Paid Search Advertising?

Paid search advertising, also known as pay-per-click (PPC) advertising, is a type of online advertising where advertisers bid on keywords that are relevant to their business. When a user enters a search query that matches one of these keywords, the advertiser's ad may appear next to the search results. The advertiser pays the search engine each time someone clicks on their ad.

Section 2: How does Paid Search Advertising work?

Paid search advertising works by using an auction system. Advertisers bid on keywords that are relevant to their business. The amount they bid determines their ad rank, which is the position their ad will appear in the search results. The higher the bid, the higher the ad rank, and the more likely the ad will appear at the top of the search results.

When a user enters a search query, the search engine checks the ads of all the advertisers who have bid on the relevant keywords. It then selects the ads with the highest ad ranks and displays them in the order of the user's preference. The advertisers are only charged when someone clicks on their ad.

Section 3: Key Terms

Here are some key terms you should know when it comes to paid search advertising:

- Keyword: A word or phrase that triggers an ad to appear in the search results.
- Ad Rank: The position of an ad in the search results, determined by the bid amount and the quality of the ad.
- Quality Score: A measure of the relevance and usefulness of an ad, determined by factors such as the keyword match and the landing page experience.
- Cost Per Click (CPC): The amount an advertiser pays each time someone clicks on their ad.

Section 4: Real-World Examples

Let's say you own a pizza restaurant and you want to use paid search advertising to attract more customers. You can start by bidding on keywords such as "pizza near me" or "takeout pizza". When someone enters one of these keywords into a search engine, your ad may appear next to the search results. Your ad could read something like this:

"Looking for a delicious pizza? Come visit our restaurant! We offer a wide range of pizzas, including vegetarian and meat lover's options. Order online today!"

By clicking on your ad, the user will be directed to your website where they can place an order for delivery or pickup.

Conclusion:

Paid search advertising is a powerful tool for businesses looking to drive traffic to their websites and increase sales. By understanding the basics of how it works and the key terms involved, you can create effective ad campaigns that reach your target audience and achieve your business goals.


text: Design your storage areas quickly and easily using SmartDraw. With hundreds of symbols that you can "stamp" onto the Work Area and the ability to draw to scale, your design will be accurate every time. SmartDraw has done all the work for you!. When you open SmartDraw, the first screen you see is the Document Browser, which includes the SmartTemplate List on the left, the Preview Area in the middle, and SmartHelp on the right. Near the bottom of the SmartTemplate List, click on the Storage Design category. The Preview Area will show the Blank Wall SmartTemplate, which you will be working with, as well as examples.. Click on the Blank Wall SmartTemplate. All SmartTemplates, even the blank ones, have special settings to facilitate the creation of the diagram for which they are intended.

textbook:
**Title:** Designing Storage Areas using SmartDraw

**Introduction:** In this lesson, we will learn how to use SmartDraw to design storage areas quickly and easily. SmartDraw is a powerful tool that allows you to create accurate diagrams with ease. We will cover the basics of using SmartDraw, including selecting a template, adding symbols, and customizing your design. By the end of this lesson, you will be able to create professional-looking storage area designs in no time!

**Section 1: Getting Started with SmartDraw**

**Step 1: Open SmartDraw**

The first step in using SmartDraw is to open the program. Once you have opened SmartDraw, you will see the Document Browser, which includes the SmartTemplate List on the left, the Preview Area in the middle, and SmartHelp on the right.

**Step 2: Select a Storage Design Template**

Near the bottom of the SmartTemplate List, click on the Storage Design category. This will open the Blank Wall SmartTemplate, which you will be working with.

**Step 3: Customize Your Design**

All SmartTemplates, even the blank ones, have special settings to facilitate the creation of the diagram for which they are intended. In this case, the Blank Wall SmartTemplate already has some basic shapes and lines in place to help you get started. You can customize these shapes and lines by clicking and dragging them around, or by adding new shapes and lines using the toolbar at the top of the screen.

**Step 4: Add Symbols**

SmartDraw has hundreds of symbols that you can use to add details to your design. To add a symbol, simply click on the symbol you want to use and drag it onto the Work Area. You can also use the toolbar at the top of the screen to add symbols.

**Step 5: Draw to Scale**

One of the great features of SmartDraw is that it allows you to draw to scale. This means that your design will be accurate every time. To draw to scale, simply select the appropriate units of measurement from the drop-down menu in the toolbar.

**Section 2: Adding Details to Your Design**

**Step 1: Customize Your Shapes**

Once you have added the basic shapes to your design, you can customize them to fit your needs. To do this, simply click on the shape and select the desired options from the toolbar.

**Step 2: Add Text**

Another way to add details to your design is by adding text. You can add text to your design by clicking on the text button in the toolbar and typing in the desired text.

**Step 3: Use Colors and Styles**

SmartDraw allows you to choose colors and styles for your design. To do this, select the shape or text you want to change and choose the desired color and style from the toolbar.

**Section 3: Real-World Examples**

**Example 1: Designing a Storage Area for a Home**

Let's say you need to design a storage area for a home. You can use SmartDraw to create a detailed diagram of the space, including measurements and labels for each shelf and drawer.

**Example 2: Designing a Storage Area for a Warehouse**

If you need to design a storage area for a warehouse, you can use SmartDraw to create a layout of the space, including aisles and racking systems.

**Conclusion**

In this lesson, we have learned how to use SmartDraw to design storage areas quickly and easily. By following the steps outlined in this lesson, you can create professional-looking diagrams in no time. Remember, with SmartDraw, all the hard work has been done for you!


text: Business Design – SONY MUSIC. THE FACTS. Arguably it is the music industry that has gone through the biggest transformation over the past 20 years – more so than other creative field. As age-old institutions continue to be challenged by new upstarts, we were we contracted by Sony to help diversify their business.. RESULTS. Qualitative research and customer discovery leading to the creation of a unique merchandising operation. Design strategy for the in-house apparel line levering existing capabilities and aimed at the high street. Additional revenue streams [figures undisclosed] of distribution arm helped to diversify overall offering. Extended their capability to incorporate licensing opportunities for majority of distributed of record. Engagement and improved means of working across creative, marketing, sales and production teams ensured the highest creative output and commercial viability. See how we can partner together. Venture Design. Design Strategy. Team Design

textbook:
Lesson: Business Design - A Creative Approach to Diversifying Revenue Streams

Introduction:
The music industry has undergone significant changes in recent years, with new upstarts challenging age-old institutions. In this lesson, we will explore how business design can be used to diversify revenue streams and improve overall commercial viability. We will focus on a case study of Sony Music and how they used business design to create new opportunities for their company.

Section 1: Understanding Business Design

Business design is a creative approach to problem-solving that involves design thinking and strategic planning. It is used to identify new opportunities and create innovative solutions that can help companies grow and thrive in a competitive market.

Question: What is business design, and why is it important?
Answer: Business design is a process that combines design thinking and strategic planning to create innovative solutions that can help companies grow and thrive in a competitive market. It is important because it allows companies to identify new opportunities and create products and services that meet the needs of their customers.

Section 2: The Sony Music Case Study

Sony Music, one of the largest music companies in the world, faced challenges as the music industry transformed. They turned to business design to help them diversify their revenue streams and improve their overall commercial viability.

Question: How did Sony Music use business design to improve their commercial viability?
Answer: Sony Music used business design to identify new opportunities and create innovative solutions that could help them diversify their revenue streams. They conducted qualitative research and customer discovery to understand their customers' needs and created a unique merchandising operation that leveraged their existing capabilities. They also designed an in-house apparel line aimed at the high street and created additional revenue streams by distributing their recordings through various channels.

Section 3: Applying Business Design to Your Company

Now that we have explored how business design can be used to diversify revenue streams, let's look at how you can apply this approach to your own company.

Question: How can I apply business design to my company?
Answer: To apply business design to your company, start by conducting qualitative research and customer discovery to understand your customers' needs. Identify areas where you can leverage your existing capabilities to create new products or services. Look for opportunities to diversify your revenue streams and improve your overall commercial viability. Finally, engage your team in a creative and collaborative process to ensure the highest creative output and commercial viability.

Conclusion:
In conclusion, business design is a powerful tool that can help companies identify new opportunities and create innovative solutions that meet the needs of their customers. By applying this approach, companies can diversify their revenue streams and improve their overall commercial viability. Whether you are in the music industry or any other field, business design can help you stay ahead of the competition and thrive in a rapidly changing market.

Glossary:
- Business Design: A creative approach to problem-solving that involves design thinking and strategic planning.
- Design Thinking: A methodology used to solve complex problems by focusing on human needs and desires.
- Strategic Planning: The process of developing and implementing a plan to achieve a specific goal or objective.


text:
Q:

A problem on series

Is there exist any series $\sum_{n=0}^\infty a_n$ such that $\sum_{n=0}^\infty a_n$=0 but not absolutely convergent
I have no idea how to consturct such type of series

A:

Sure, just take any known alternating series that converges but not absolutely, shift all the terms to the right 1, and add in a first term that is equal to the opposite of the original sum.
The fact that you added one term to the beginning won't change anything about whether it is convergent or not, or absolutely convergent or not.  It will only change the sum to 0.

A:

Yes, there are.
Consider $\sum_{i=1}^\infty (-1)^i/i $. You have that this converges to $-ln(2)$. Take
$\sum_{i=1}^\infty (-1)^i /i + ln(2)$.

textbook:
Lesson: Absolutely Convergent Series

Introduction:

A series is an expression where the sum of a sequence of terms is taken. In mathematics, we often encounter series that can be either convergent or absolutely convergent. A series is said to be absolutely convergent if the sum of its individual terms converges to a finite value. This lesson will focus on series that are not absolutely convergent but still convergent.

Core Value:

To construct a series that is convergent but not absolutely convergent, we can take any known alternating series that converges but not absolutely, shift all the terms to the right 1, and add in a first term that is equal to the opposite of the original sum.

Lesson:

I. What is an alternating series?

An alternating series is a series where the signs of the terms alternate between positive and negative. An example of an alternating series is $\sum_{n=0}^\infty (-1)^n n!$.

II. What is absolute convergence?

Absolute convergence refers to a series where the sum of the individual terms converges to a finite value. In other words, the sum of the series is the same, regardless of the order in which the terms are added.

III. How do we construct a series that is convergent but not absolutely convergent?

To construct a series that is convergent but not absolutely convergent, we can take any known alternating series that converges but not absolutely, shift all the terms to the right 1, and add in a first term that is equal to the opposite of the original sum.

IV. Example

Let's consider the alternating series $\sum_{i=1}^\infty (-1)^i /i $. We know that this series converges to $-ln(2)$. Now let's add 1 to the first term and subtract $ln(2)$ from the series:

$\sum_{i=1}^\infty (-1)^i /i + ln(2) - ln(2)$

Simplifying this expression, we get:

$\sum_{i=1}^\infty (-1)^i /i$

This series is convergent because it is an alternating series. However, it is not absolutely convergent because the sum of the individual terms does not converge to a finite value.

V. Practical Examples

We can use this concept to solve real-world problems. For example, consider a company that has been losing money for the past few years. Although the company is making progress towards profitability, it is not yet profitable. This means that the company's financial situation is similar to an alternating series that is convergent but not absolutely convergent.

VI. Conclusion

In summary, we have learned that it is possible to construct a series that is convergent but not absolutely convergent by taking an alternating series, shifting all the terms to the right 1, and adding in a first term that is equal to the opposite of the original sum. This concept has practical applications in finance and other areas where series are used to model real-world phenomena.


text: Hubwoo has been part of the Proactis group since 2017. The integration of Hubwoo solutions into the Proactis suite gives our customers enhanced end-to-end Spend Management and B2B eCommerce solutions across the globe.. For existing Hubwoo or Proactis customers, you get all the great features you’re used to plus access to new modules and enhancements designed to give you an even better end-to-end experience!

textbook:
**Lesson: Introduction to Spend Management**

**Objective:** To introduce students to the concept of spend management and its importance in business.

**Section 1: What is Spend Management?**

Spend management refers to the process of managing an organization's expenditures. This includes purchasing, payment, inventory, and travel and entertainment. The goal of spend management is to optimize the use of resources and reduce costs while ensuring compliance with company policies.

**Section 2: Why is Spend Management Important?**

Effective spend management is crucial for any business as it helps to control costs, improve efficiency, and increase profits. By implementing a spend management system, companies can identify areas where they can save money, reduce waste, and improve their bottom line. Additionally, spend management can help companies to maintain compliance with regulatory requirements and reduce the risk of fraud and mismanagement.

**Section 3: How does Spend Management work?**

Spend management involves several steps, including identifying areas where spending can be optimized, implementing controls to ensure compliance with company policies, and monitoring spending to identify areas where further savings can be made. This can be achieved through the use of technology, such as spend management software, which automates many of these processes and provides real-time visibility into spending patterns.

**Section 4: Practical Examples**

One example of spend management in action is a company that uses a spend management system to track its travel and entertainment expenses. By analyzing data on employee travel patterns, the company is able to identify areas where it can negotiate better rates with hotels and airlines, resulting in significant cost savings. Additionally, the system automatically flags any expenses that do not comply with company policy, such as excessive meal expenses or out-of-policy travel destinations.

**Section 5: Conclusion**

Spend management is an essential component of any successful business. By implementing effective spend management strategies, companies can control costs, improve efficiency, and increase profits. As students continue to learn about business and finance, they will find that spend management is a valuable skill that can help them to make informed decisions and contribute to the success of their organizations.


text: A former director and president of the Veterinary Benevolent Fund (VBF) has been awarded a Fellowship by the charity for her dedication to the well-being of the veterinary profession.. Dr Brown’s immense contribution to VBF was sustained over many years. She first became a director of VBF following the merger of the fund with Vet Helpline and VSHSP in January 2005.. Dr Brown’s immense contribution to VBF was sustained over many years. Her gifts of empathy, wisdom and understanding did a great deal to help members of the profession through difficulties as well as inspiring others to get involved with the charity.. VBF president John Moffitt said: “Lydia’s input, passion and dedication to the charity were highly valued by everyone she worked with across the profession. The charity is determined to carry on her good work.”. Be the First to Comment!

textbook:
Lesson Title: The Importance of Contribution in the Veterinary Profession

Introduction:
In this lesson, we will learn about the importance of contributing to the well-being of the veterinary profession. We will explore the role of the Veterinary Benevolent Fund (VBF) in supporting veterinarians and their families through difficult times. We will also discuss the qualities that make a great contributor to the profession.

Section 1: Understanding the Veterinary Benevolent Fund

The Veterinary Benevolent Fund is a charity organization that provides support to veterinarians and their families who are facing financial difficulties or other challenges. The fund was established in 1947 to provide assistance to veterinarians who were unable to work due to illness or injury. Over the years, the fund has expanded its services to include counseling, legal advice, and financial assistance for veterinarians and their families.

Question: What is the Veterinary Benevolent Fund?
Answer: The Veterinary Benevolent Fund is a charity organization that provides support to veterinarians and their families who are facing financial difficulties or other challenges.

Section 2: The Role of Contributing to the Veterinary Profession

Contributing to the veterinary profession is crucial for the well-being of veterinarians and their families. By contributing to the VBF, you are helping to ensure that veterinarians have access to the resources they need to thrive in their careers. Contributing also helps to create a community of support and understanding among veterinarians, which can lead to better mental health and overall well-being.

Question: Why is contributing to the veterinary profession important?
Answer: Contributing to the veterinary profession is important because it helps to ensure that veterinarians have access to the resources they need to thrive in their careers. It also creates a community of support and understanding among veterinarians, which can lead to better mental health and overall well-being.

Section 3: Qualities of a Great Contributor to the Veterinary Profession

A great contributor to the veterinary profession is someone who is passionate about helping others and has a deep understanding of the challenges that veterinarians face. They are empathetic, compassionate, and willing to go above and beyond to help others. They are also committed to the mission of the VBF and are willing to work hard to achieve its goals.

Question: What qualities make a great contributor to the veterinary profession?
Answer: A great contributor to the veterinary profession is someone who is passionate about helping others, has a deep understanding of the challenges that veterinarians face, is empathetic, compassionate, committed to the mission of the VBF, and willing to work hard to achieve its goals.

Conclusion:

In conclusion, contributing to the veterinary profession is essential for the well-being of veterinarians and their families. By supporting organizations like the VBF, we can help ensure that veterinarians have access to the resources they need to thrive in their careers. The qualities of a great contributor to the veterinary profession include passion, empathy, compassion, commitment, and a deep understanding of the challenges that veterinarians face. By applying these qualities, we can make a significant impact on the lives of our fellow veterinarians.

Glossary:
- Veterinary Benevolent Fund (VBF): A charity organization that provides support to veterinarians and their families who are facing financial difficulties or other challenges.
- Contributing: Giving time, money, or resources to support a cause or organization.
- Well-being: The state of being comfortable, healthy, or happy.
- Mission: The purpose or objective of an organization or group.


text:
Donald Trump and Betsy DeVos

Education Secretary Betsy DeVos weakened federal protections for student borrowers last year, but that’s apparently not enough. The Trump administration is diving into a lawsuit by a student lending industry group against Washington, D.C., over its efforts to protect people with student debt. Sketchy student loan companies could be barred from operating in the District of Columbia if they’re found to have fraudulent or irresponsible practices, the New York Times reports—and the Trump administration is not happy about that.

Administration lawyers are arguing essentially that the federal government should get to set the ceiling on protecting students from fraudulent lending practices. The people trying to protect students see it differently:

“When Secretary DeVos took office, we went on red alert,” said Karl A. Racine, the District of Columbia’s attorney general, whose residents have the highest debt burden, $40,000 per student borrower, in the country. “We have a responsibility, in the state attorney general’s offices, to protect our consumers. We are trying to fill the gap because the secretary is stepping away from protecting students.”

Not just stepping away from protecting students—in this case, the Trump administration is stepping in to protect lenders. According to Seth Frotman, who resigned from his job protecting student borrowers at the Consumer Financial Protection Bureau after months of seeing his efforts undercut:

“As state law enforcement officials and legislators across the political spectrum stand up for student loan borrowers who have been ripped off at every turn, Donald Trump and Betsy Devos have instead chosen to protect companies engaged in rampant illegal practices,” he added. “At stake is the financial future of millions of Americans and a trillion dollar black hole in our financial markets.”

But the administration of the man who ended up paying $25 million to settle lawsuits over his own fraudulent “university” does not care about the financial future of the kind of Americans who have to borrow money to attend college.

textbook:
Lesson: Introduction to Student Loan Protection

### Overview

In this lesson, we will learn about the importance of protecting student borrowers from fraudulent and irresponsible lending practices. We will also explore the efforts made by the District of Columbia to safeguard its residents from predatory lenders and the opposition faced by these efforts.

### Learning Objectives

By the end of this lesson, students will be able to:

1. Identify the risks associated with student loans and the need for protection.
2. Explain the actions taken by the District of Columbia to protect student borrowers.
3. Analyze the arguments made by the Trump administration and the student lending industry group against the protection efforts.
4. Evaluate the role of the state attorney general in protecting consumer rights.

### Section 1: Introduction to Student Loans

Student loans are a type of financial aid that helps individuals pay for their education. They are typically offered by the government or private lenders and must be repaid with interest. While student loans can be an effective way to fund higher education, they also come with risks.

### Section 2: Protecting Student Borrowers

The District of Columbia has taken steps to protect its residents from predatory lending practices. In 2017, the District passed a law that requires lenders to be licensed and prohibits them from engaging in fraudulent or irresponsible practices. This law is aimed at preventing lenders from taking advantage of borrowers and ensuring that they are treated fairly.

### Section 3: Opposition to Protection Efforts

The Trump administration and a student lending industry group have opposed the protection efforts made by the District of Columbia. They argue that the federal government should have the authority to set the ceiling on protecting students from fraudulent lending practices. However, the District of Columbia disagrees with this argument and believes that it has a responsibility to protect its residents from predatory lenders.

### Section 4: Role of the State Attorney General

The state attorney general plays a crucial role in protecting consumer rights. They are responsible for enforcing laws that protect consumers from fraudulent and deceptive practices. In the case of student loans, the attorney general can investigate lenders who engage in predatory lending practices and take legal action against them.

### Glossary

- Predatory lending: A lending practice that imposes unfair or abusive loan terms on a borrower, often targeting vulnerable populations with high interest rates and hidden fees.
- Fraudulent practices: Any act or omission intended to deceive or defraud others for personal gain.
- Irresponsible practices: Any actions or behaviors that demonstrate a lack of concern for the well-being of others.

### Conclusion

In conclusion, protecting student borrowers from predatory lending practices is essential to ensure that they are treated fairly and do not fall victim to fraudulent or irresponsible lending practices. The District of Columbia has taken steps to safeguard its residents from such practices, but faces opposition from the Trump administration and a student lending industry group. As consumers, it is essential to be aware of the risks associated with student loans and to seek protection when necessary.


text: Finding the best talent can sometimes be complicated, especially if what a brand seeks are more specialized profiles that don’t have a role too defined. Audiense tech team was looking for a developer with experience in certain technologies that normally are not described on a LinkedIn profile, or on employment platforms or on Twitter.

textbook:
Lesson: How to Find Specialized Talent in a Competitive Market

Introduction:
In today's competitive job market, finding specialized talent can be challenging. However, with the right strategies and tools, you can identify the best candidates for your team. In this lesson, we will explore how to find specialized talent using various methods such as social media, online platforms, and networking events.

Section 1: Understanding Your Needs

Before you start searching for specialized talent, you need to understand your needs. Ask yourself the following questions:

- What are the specific skills and experience required for the role?
- What is the company culture like?
- What is the salary range for the position?
- What is the timeline for filling the role?

Once you have a clear understanding of your requirements, you can create a job description that outlines the qualifications, responsibilities, and expectations for the role.

Section 2: Leveraging Social Media

Social media platforms like LinkedIn, Twitter, and GitHub can be valuable resources for finding specialized talent. Here are some ways to use these platforms to your advantage:

- LinkedIn: Use LinkedIn's search functionality to find candidates with relevant experience and skills. You can also join groups related to your industry to connect with potential candidates.
- Twitter: Search for hashtags related to your industry and follow relevant accounts to stay up-to-date on the latest news and trends. You can also use Twitter to identify influencers in your field and reach out to them for recommendations.
- GitHub: If you're looking for a developer, GitHub can be a great place to find specialized talent. Look for developers who have contributed to open-source projects or have their own repositories.

Section 3: Online Platforms

There are several online platforms that can help you find specialized talent, including:

- Upwork: Upwork is an online marketplace that connects businesses with freelancers. You can post a job and receive proposals from qualified candidates.
- Freelancer: Similar to Upwork, Freelancer is another platform that connects businesses with freelancers. You can post a job and receive bids from candidates.
- Toptal: Toptal is a network of top freelance developers, designers, and project managers. You can browse their talent pool or create a job posting to receive applications.

Section 4: Networking Events

Networking events can be a great way to meet potential candidates face-to-face. Attend industry conferences, meetups, and other events to connect with professionals in your field. You can also host your own events or sponsor local meetups to attract potential candidates.

Section 5: Conclusion

Finding specialized talent can be challenging, but by leveraging social media, online platforms, and networking events, you can identify the best candidates for your team. Remember to clearly define your needs, use social media to your advantage, and attend networking events to make personal connections. With the right strategies and tools, you can find the specialized talent you need to succeed.


text: chiffon muslin scarf -grass green-. Vivid grass green in a ethereal chiffon scarf primed for you who search for an exceptional and eco-friendly gift for a unique occasion and for your beloved ones. Make your unique moments handmade!. chiffon muslin scarf -grass green-. chiffon muslin scarf -grass green-. This finely woven, light-weighted scarf is made of sheer breathable cotton muslin. Its light green transparent surface allows the color of your top to be partly visible and combined with a contrasting color can give an enchanting effect.. This delicate shawl measures 195 cm (76.7) length and 72 cm (28.3in) width and its hem is hand rolled.. Although simple, a classical wrap which will add elegance to your most plain outfit. Indulge yourself with a sophisticated and luxurious shawl, ideal for any occasion!. chiffon muslin scarf -grass green-. chiffon muslin scarf -grass green-. Price: 44 USD (excl. shipping costs). chiffon muslin scarf -grass green-!

textbook:
Lesson: How to Read and Understand Product Descriptions

Introduction:
Product descriptions are essential when shopping online or in-store. They provide information about the product's features, benefits, and specifications. Reading and understanding product descriptions can help you make informed purchasing decisions. In this lesson, we will learn how to read and understand product descriptions effectively.

Section 1: Reading Techniques

1.1. Start with the heading: The heading usually provides the name of the product and its main features. Read the heading carefully to get an overview of the product.

1.2. Look for bullet points: Bullet points are used to list the product's features and benefits. These points are easy to read and can help you understand the product better.

1.3. Check for technical specifications: Technical specifications provide details about the product's dimensions, weight, materials, and other technical aspects. These specifications are essential if you need a product that meets specific requirements.

1.4. Read the description carefully: The description provides additional information about the product, its uses, and benefits. Read the description carefully to understand the product better.

Section 2: Understanding Key Terms

2.1. Key terms are words or phrases that have specific meanings in the context of the product description. Understanding these terms can help you make informed decisions.

2.2. Look for abbreviations: Abbreviations are shortened forms of words or phrases. If you don't know the meaning of an abbreviation, look it up in the glossary or ask someone for help.

2.3. Check for technical jargon: Technical jargon is language used by experts in a particular field. If you don't understand the jargon, look for simpler alternatives.

Section 3: Practical Examples

3.1. Let's say you are looking for a new laptop. You find a product description that lists the following specifications:

- Processor: Intel Core i7
- RAM: 8GB
- Storage: 256GB SSD
- Display: 13.3" diagonal, FHD (1920 x 1080)

3.2. From these specifications, you can infer that the laptop has a powerful processor, enough memory for multitasking, fast storage, and a good-quality display.

Conclusion:
Reading and understanding product descriptions is an essential skill when shopping for products. By using the techniques discussed in this lesson, you can read product descriptions effectively and make informed purchasing decisions.


text: Career: 1905. Debut: Round 8, 1905 v Essendon. Carlton Player No. 189. Games: 2. Goals: 1. Last Game: Round 13, 1905 v Melbourne. Height: ?. Weight: ?. DOB: 13 November, 1883. Debuting in 1905, Hewitt played 2 games and kicked 1 goal for Carlton. He later played 27 games and scored 2 goals for Melbourne finishing his league career in 1910.. Hewitt was born in Fitzroy, and recruited from Collingwood Juniors.. Hewitt passed away on the 30th May, 1951 aged 67.

textbook:
Lesson: Introduction to Australian Rules Football

**Objective:** To introduce students to the sport of Australian Rules Football and its history.

**Materials:** Picture of an Australian Rules Football field, list of players, and a timeline of the sport's development.

**Introduction:** Australian Rules Football is a sport that originated in Australia in the mid-1800s. It is a unique game that combines elements of soccer, rugby, and basketball. In this lesson, we will learn about the history of the sport, the basic rules, and some famous players.

**Section 1: History of Australian Rules Football**

- Australian Rules Football was first played in 1858 by a group of students at a school in Melbourne, Australia.
- The game was initially called "Melbourne Rules" but was later renamed "Australian Rules Football" to make it more inclusive to all Australians.
- The first official rules were published in 1861, and the sport quickly gained popularity throughout Australia.

**Questions:**

- When and where was Australian Rules Football first played?
- Why was the game initially called "Melbourne Rules"?
- What year were the first official rules published?

**Section 2: Basic Rules of Australian Rules Football**

- The field is an oval shape and is divided into four quarters.
- Each team has 18 players on the field at one time.
- The goal is to score points by kicking the ball through a goal post.
- Players can pass, catch, or run with the ball, but they cannot hold it for more than 15 seconds.
- If a player tackles an opponent without the ball, they must release them immediately.

**Questions:**

- How many players are on each team?
- What is the goal of the game?
- Can players hold the ball for more than 15 seconds?

**Section 3: Famous Players**

- One of the most famous players in Australian Rules Football history is Jack Dyer. He played for the Richmond Football Club from 1924 to 1936 and is considered one of the greatest players of all time.
- Another famous player is Brownlow Medallist Jim Stynes, who played for the Melbourne Football Club from 1987 to 1998.
- In recent years, Aaron Sandilands has become one of the most dominant ruckmen in the game.

**Questions:**

- Who is Jack Dyer?
- What is a Brownlow Medallist?
- Who is Aaron Sandilands?

**Conclusion:**

Australian Rules Football is a unique and exciting sport that has been played for over 150 years. In this lesson, we learned about its history, basic rules, and some famous players. We also practiced answering questions about the sport to test our understanding. By the end of this lesson, students will have a basic understanding of Australian Rules Football and its significance in Australian culture.

**Glossary:**
- Oval: a shape with a curved outline, like the shape of the Australian Rules Football field
- Quarter: a period of time in a game, similar to a quarter in American football
- Goal post: the structure that the ball must pass through to score points
- Tackle: to try to stop an opponent from moving forward by pushing them to the ground
- Release: to let go of someone or something
- Ruckman: a player who specializes in contesting for the ball in the air during a ruck or hit-out.

**Self-Debate Discussion:**

- Is Australian Rules Football similar to other sports, like soccer or rugby?
- How has the sport evolved over time to become what it is today?
- Do you think Australian Rules Football will continue to be popular in the future? Why or why not?


text: When Ford launches the 2011 Ford Fiesta in North America heads will be turning. Ford will be offering some bold new colors to go along with the bold styling of the Fiesta including “Bright Magenta” and “Lime Squeeze.” Ford has noticed that more and more consumers are choosing bolder and more expressive colors for their vehicles. The 2010 Ford Mustang in "Grabber Blue" has far exceeded sales expectations accounting for 10% of all Mustangs sold, and 4 out every 10 people purchasing the 2010 F-150 Raptor SVT have chosen "Molten Orange".. Ford has listened to what the consumer wants and they're bringing it to the table. So don't be surprised in the next few months when these bold colors make their way onto the streets in full force when the 2011 Fiesta goes on sale.. Tags: 2011 Ford Fiesta, Ford Fiesta, Northside Ford, San Antonio

textbook:
Lesson: How to Read and Analyze News Articles

Introduction:
News articles are an essential source of information for people of all ages. They provide insights into current events, trends, and happenings around the world. However, not all news articles are created equal, and it can be challenging to determine the credibility and accuracy of the information presented. In this lesson, we will learn how to read and analyze news articles effectively.

Section 1: Reading Techniques

1.1. Scan the Headline
The headline is the first thing you see when reading a news article. It should give you an idea of what the article is about. Scan the headline quickly to get a sense of the topic before delving into the details.

1.2. Skim the Introduction
The introduction is the first paragraph of the article. Skim through it quickly to get an overview of the story. Look for who, what, where, when, why, and how questions to understand the context of the article.

1.3. Read the Body
Once you have a general understanding of the article, start reading the body. Pay attention to the details and try to understand the context of the story. Look for quotes from experts or witnesses to add credibility to the story.

1.4. Check the Authority
Check the credibility of the author and the source of the information. Look for the author's name and their expertise in the field. Also, check if the article is published by a reputable news organization or blog.

Section 2: Analyzing Techniques

2.1. Identify the Main Idea
Determine the main idea of the article. What is the central message that the author is trying to convey? Is it objective or subjective?

2.2. Determine the Tone
Determine the tone of the article. Is it neutral, positive, negative, or sensationalist? The tone can affect the credibility of the article.

2.3. Evaluate the Evidence
Evaluate the evidence presented in the article. Are there any facts, statistics, or expert opinions to support the claims made? Are there any contradictions or inconsistencies in the evidence?

2.4. Consider Alternative Viewpoints
Consider alternative viewpoints or perspectives on the topic. Are there any other factors or events that could affect the story? Are there any conflicting reports or opinions from experts?

Section 3: Applying the Skills

3.1. Practice Reading and Analyzing News Articles
Practice reading and analyzing news articles regularly. Start with articles on topics that interest you and gradually move to more complex stories. Use the techniques learned in this lesson to evaluate the credibility and accuracy of the information presented.

3.2. Participate in Debates
Participate in debates or discussions about current events. Use the skills learned in this lesson to evaluate the arguments presented by others and formulate your own opinions.

Conclusion:
Reading and analyzing news articles is an essential skill that can help you stay informed and make informed decisions. By following the techniques outlined in this lesson, you can become a more critical reader and thinker. Remember to practice regularly and participate in debates to apply the skills learned.


text: Poll Time! What's the norm for group meeting with colleagues in your organization?*We gather in a conference roomWe arrange conference callsWe regularly use some form of video conferencingWe don't generally gather in groupsCommentsThis field is for validation purposes and should be left unchanged. Submit Check back later to view the survey results and more on our Lean Six Sigma Industry Insights page! survey says

textbook:
Lesson: Conducting Surveys

Introduction:
Surveys are an essential tool used by businesses, organizations, and researchers to gather information from a large group of people. In this lesson, we will learn about the different types of surveys, how to create effective survey questions, and how to analyze survey data.

Types of Surveys:
There are two main types of surveys - quantitative and qualitative. Quantitative surveys are numerical and can be measured, while qualitative surveys are descriptive and cannot be measured.

Quantitative Surveys:
- Telephone surveys
- Mail surveys
- Online surveys
- In-person surveys

Qualitative Surveys:
- Focus groups
- In-depth interviews
- Observation

Creating Effective Survey Questions:
1. Clear and concise: Make sure the question is clear and concise so that the respondent understands what is being asked.
2. Neutral wording: Use neutral wording to avoid leading the respondent to a particular answer.
3. Open-ended: Use open-ended questions to allow the respondent to provide their own answer.
4. Multiple choice: Use multiple-choice questions when you want to limit the respondent's answer to specific options.
5. Rank order: Use rank-order questions when you want to know the relative importance of different options.

Analyzing Survey Data:
1. Descriptive statistics: Use descriptive statistics to summarize the data and describe the characteristics of the sample.
2. Inferential statistics: Use inferential statistics to make generalizations about the population based on the sample data.
3. Data visualization: Use data visualization tools like graphs and charts to represent the data visually.

Conclusion:
Surveys are an essential tool for gathering information from a large group of people. By understanding the different types of surveys, creating effective survey questions, and analyzing survey data, you can gain valuable insights into the opinions and behaviors of your target audience. These skills can be applied to a variety of fields, including market research, social sciences, and political polling.


text: Launch a Product. The two most important metrics we help you align to your Strategic GamePlan and discover during your initial Minimum Viable Product launch phase are CPA and LTV. Through a sequenced 90 day test and partnerships with several of the leading UI/UX firms, Direct Response and Digital Agencies we can help co-manage the initial campaign and test budgets to maximize the ROI of time and capital to assess the true viability of your actual Cost-Per-Acquisition (CPA) and Life-Time-Value (LTV) of each user/customer..

textbook:
**Lesson: Introduction to Metrics in Business**

**Objective:** In this lesson, we will learn about two important metrics used in business: Cost-Per-Acquisition (CPA) and Life-Time-Value (LTV). We will also learn how to align these metrics with a strategic game plan and how to use them to assess the viability of a product.

**Section 1: Introduction to Metrics**

Metrics are measurements that help us understand the performance of a business. In this lesson, we will focus on two specific metrics: CPA and LTV.

**Section 2: Understanding CPA and LTV**

Cost-Per-Acquisition (CPA) is the amount of money it costs to acquire a new customer or user. This metric is important because it helps businesses understand how much they need to spend to attract new customers.

Life-Time-Value (LTV) is the total amount of money a customer or user is expected to spend over their lifetime as a customer. This metric is important because it helps businesses understand the long-term value of each customer or user.

**Section 3: Aligning Metrics with a Strategic Game Plan**

To align CPA and LTV with a strategic game plan, businesses need to set specific goals and objectives. These goals and objectives should be based on the company's overall strategy and vision.

**Section 4: Testing and Assessing Viability**

During the initial minimum viable product launch phase, businesses should conduct a sequenced 90-day test to assess the true viability of their CPA and LTV. This test should be managed in partnership with leading UI/UX firms, direct response, and digital agencies to maximize ROI (return on investment) and capital.

**Section 5: Practical Examples**

Let's say a company spends $1000 to acquire 100 new customers. Their CPA would be $10 per customer. If each of those customers spends an average of $50 over their lifetime as a customer, the company's LTV would be $5000.

**Section 6: Self-Debating Discussions**

1. Why is it important for businesses to understand their CPA and LTV?
2. How does aligning CPA and LTV with a strategic game plan help businesses achieve their goals and objectives?
3. What factors should businesses consider when conducting a 90-day test to assess the viability of their CPA and LTV?

**Glossary:**

- CPA: Cost-Per-Acquisition
- LTV: Life-Time-Value
- ROI: Return on Investment

**Conclusion:**

Understanding CPA and LTV is crucial for any business looking to succeed in the long run. By aligning these metrics with a strategic game plan and conducting thorough tests, businesses can assess the viability of their products and make informed decisions about their future.


text:
[Cell and molecular medicine in musculoskeletal system lession (sports) (healing cells)].
In the last years a number of different tools which will be commonly used in the future have merged. Among them, the use of therapeutical cells (Cell Therapy) or the use of bio-active molecules after the identification of the molecular basis of a given pathology (Molecular Medicine), are two approaches. Currently, the autologous chondrocyte implantation to treat the articular cartilage lesions is considered as a consolidated therapy.

textbook:
Lesson: Introduction to Cell and Molecular Medicine in Musculoskeletal System

## Section 1: What is Cell and Molecular Medicine?

**Definition:** Cell and molecular medicine is a branch of medicine that focuses on the diagnosis, treatment, and prevention of diseases at the cellular and molecular level. It involves the use of cells, genes, and molecules to understand and treat diseases.

**Examples:** Examples of cell and molecular medicine include gene therapy, stem cell transplantation, and the use of growth factors to promote tissue repair.

**Questions:**
1. What is the difference between cell and molecular medicine and traditional medicine?
2. How does cell and molecular medicine work in treating diseases?

## Section 2: The Musculoskeletal System

**Definition:** The musculoskeletal system is a complex system of bones, muscles, tendons, ligaments, and joints that work together to support the body and enable movement.

**Examples:** Examples of the musculoskeletal system include the bones in our body (such as the femur and tibia), the muscles that attach to these bones (such as the quadriceps and hamstrings), and the joints that connect these structures (such as the knee joint).

**Questions:**
1. What are the main components of the musculoskeletal system?
2. How do bones, muscles, and joints work together to support the body and enable movement?

## Section 3: Cell and Molecular Medicine in the Musculoskeletal System

**Definition:** Cell and molecular medicine can be used to treat various conditions affecting the musculoskeletal system, such as injuries, arthritis, and bone disorders.

**Examples:** Examples of cell and molecular medicine applications in the musculoskeletal system include the use of stem cells to regenerate damaged tissue, the use of growth factors to promote tissue repair, and the use of gene therapy to treat genetic disorders affecting bone development.

**Questions:**
1. How can cell and molecular medicine be used to treat conditions affecting the musculoskeletal system?
2. What are some examples of cell and molecular medicine applications in the musculoskeletal system?

## Glossary:
- Cell Therapy: The use of cells from one's own body to treat or prevent a disease.
- Molecular Medicine: A branch of medicine that focuses on the diagnosis, treatment, and prevention of diseases at the molecular level.
- Gene Therapy: A technique that involves the introduction, removal, or modification of genetic material within cells, to treat or prevent disease.
- Stem Cells: Cells that have the potential to develop into many different cell types in the body.
- Growth Factors: Proteins that stimulate cell growth, division, and differentiation.

## Conclusion:
In this lesson, we learned about cell and molecular medicine and its application in the musculoskeletal system. We discussed the definition, examples, and questions related to this field. We also explored the musculoskeletal system and its components. Finally, we defined key terms in the glossary. By understanding these concepts, we can apply this knowledge to new problems and continue to learn more about cell and molecular medicine.


text: An introduction to economic analysis of cities, topics include: theories of urban economic growth; the economics of land use, urban structure, and zoning; the economics of environments, transportation, and sustainability; public finance, cost-benefit analysis, the provision of municipal goods and services, and the new institutional economics.. Prerequisite:. Any 4.0 credits.. Breadth Requirements:. Social & Behavioural Sciences

textbook:
Lesson: Introduction to Economic Analysis of Cities

## Section 1: Theories of Urban Economic Growth

### Topic 1.1: What is economic growth?
Economic growth refers to an increase in the total output or value of goods and services produced within a city or region over time. It is often measured as the percentage change in real gross domestic product (GDP) or gross metropolitan product (GMP).

### Topic 1.2: Why do cities experience economic growth?
Cities experience economic growth due to several factors, including increased productivity, specialization, and agglomeration economies. Agglomeration economies occur when firms locate near each other to take advantage of economies of scale, lower transportation costs, and access to a skilled workforce.

### Topic 1.3: What are some theories that explain urban economic growth?
There are several theories that explain urban economic growth, including:

1. Location theory: This theory suggests that firms locate in cities where the marginal cost of producing an additional unit of output is minimized.
2. Agglomeration economies theory: This theory explains how firms benefit from locating near each other in cities.
3. Human capital theory: This theory suggests that cities with highly skilled workforces grow faster than those without.
4. Innovation theory: This theory argues that cities grow because they are centers of innovation and technological change.

### Practice Questions:
1. What is the difference between real GDP and nominal GDP?
2. How does specialization contribute to economic growth in cities?
3. What is the relationship between urbanization and economic growth?

## Section 2: The Economics of Land Use, Urban Structure, and Zoning

### Topic 2.1: What is land use?
Land use refers to the way in which land is utilized for different purposes, such as residential, commercial, or industrial uses.

### Topic 2.2: What is urban structure?
Urban structure refers to the arrangement of land uses within a city or region. It includes the spatial distribution of residential, commercial, and industrial activities.

### Topic 2.3: What is zoning?
Zoning is a tool used by local governments to regulate land use and control the physical development of cities. It divides a city into different zones, each with specific land use restrictions and densities.

### Practice Questions:
1. How does zoning affect the supply of housing in a city?
2. What is the difference between land use and urban structure?
3. How does the location of industries within a city affect its economic growth?

## Section 3: The Economics of Environment, Transportation, and Sustainability

### Topic 3.1: What is environmental economics?
Environmental economics is the study of how economic activities affect the environment and how environmental conditions affect economic outcomes.

### Topic 3.2: What is sustainable development?
Sustainable development refers to economic growth that meets the needs of the present without compromising the ability of future generations to meet their own needs.

### Topic 3.3: What is the role of transportation in urban economic growth?
Transportation plays a crucial role in urban economic growth by facilitating the movement of goods, services, and people within and between cities. Efficient transportation systems reduce the cost of production and increase accessibility to markets, labor, and other resources.

### Practice Questions:
1. How does pollution affect economic growth in cities?
2. What is the relationship between transportation and land use?
3. How can cities promote sustainable development while still experiencing economic growth?

## Glossary:
- Agglomeration economies: Economic advantages that arise from the concentration of economic activity in cities
- Human capital: The knowledge, skills, and abilities of a population that contribute to economic growth
- Innovation: The creation of new products, services, or processes that improve productivity or efficiency
- Real GDP: The total value of goods and services produced in a city or region, adjusted for inflation
- Gross Metropolitan Product (GMP): The total value of goods and services produced within a metropolitan area
- Zoning: A regulatory tool used by local governments to control land use and urban development

## Conclusion:
Understanding the theories and concepts behind urban economic growth, land use, and sustainability is essential for anyone interested in studying or working in urban planning, public policy, or economics. By analyzing the economic forces at play in cities, we can better understand how to promote sustainable development and foster economic growth that benefits all residents.