Lake-sediment cores from Heywood and Sombre Lakes on Signy Island (South Orkney Islands), Antarctica, have yielded a conformable radiocarbon chronology for the Holocene and a high-resolution record of environmental change. The lakes share a common climate and geology but have distinct catchments. This provides an opportunity for using lake sediments to differentiate between local, within lake/catchment, events and those at a regional scale. Analyses of various biological and physical remains from the lakes suggest that both catchments have undergone considerable changes during the last 5700 years. Macrofossils (moss and crustacean remains) are more abundant in the late Holocene, being associated with a period of high sediment accumulation, which is related to diatom evidence for more nutrient-rich conditions at the sites. This is interpreted as a response to a Holocene‘climate optimum’ at c. 3800–1300 14C yr BP. The record is consistent with other lake, ice and ocean core studies, although the climate optimum appears to have persisted for a longer period at Signy Island.
A message from Mayor Jay Gillian:A major coastal storm is on its way, and I want everybody to be prepared. We’re still monitoring the outlook, but the current forecast calls for everything from high winds to tidal flooding starting tonight and continuing through Sunday.As with most storms, one of our primary concerns is with flooded streets. There’s a chance of minor flooding on Friday, but the biggest concern will be on Saturday morning, according to the latest forecasts.We’re asking everybody to keep an eye out on the streets and be prepared to move vehicles to higher ground. The roads closer to the beach are at higher elevation for parking, and they also offer the safest routes of travel. Trinity United Methodist Church at 20 North Shore Road in Marmora has graciously extended an invitation for Ocean City residents to use their parking lot.Remember, for your safety and to protect your cars and neighboring properties, never try to drive through flood waters. In addition to the usual dangers, many roads are currently under construction and flood waters could be hiding uneven surfaces and other hazards.The forecast calls for winds beyond 50 mph on Friday. It’s a good idea to make sure your phones and electronic devices are charged up now, in the event of a power outage.Please check in on your neighbors and make sure they are OK and their properties are secure.Many events have been postponed due to the forecast:The Ocean City Education Foundation “Benefit by the Beach” (originally scheduled for Friday, March 2) will now be held on April 13.The Ocean City Fire Department Swearing-In Ceremony (originally scheduled for Friday, March 2) will be postponed to a date still to be determined.The “Fridays With Friends” event for local youth (originally scheduled for Friday, March 2 at the Civic Center) will be cancelled. The final “Friday With Friends” for the school year will be held March 16 at the Ocean City Community Center.The Ocean City Intermediate School Fishing Flea Market (originally scheduled for Saturday, March 3) will be cancelled.I will continue to provide updates and information as the forecast develops. For Police and Fire Department emergencies, call 911. For non-emergencies, call 609-399-9111. Mayor Jay Gillian
Scottish ingredients supplier Macphie of Glenbervie has predicted a tough road ahead despite record profits last year.The company’s pre-tax profit for 2007 was up 12% to £3.8m and sales increased by 2%, according to accounts lodged with Companies House. However, chief executive, Alastair Macphie, forecast a much less cheerful 2008.He said: “A spate of poor harvests and changing global demand for commodities means that raw material costs have soared to a record high and this is hitting the food industry.”These pressures looked set to continue industry wide, he said. “Production volumes have grown but selling price deflation in certain sectors remains a key feature of the market.”
Britain’s wrapped bread supply is at risk if baskets and dollies are not returned, according to Bakers Basco, which manages the use of baskets in the UK.The company, which was founded by five of the UK’s largest plant bakeries, said its equipment played a vital role in ensuring supermarkets received a continuous supply of bread and baked goods.With the coronavirus pandemic pushing up demand for bread in supermarkets, pressure on the supply chain has increased.As there was a risk of demand outstripping supply, it was more important than ever to ensure bakers had access to the equipment they needed to maintain the regular delivery of bakery products, stated Bakers Basco.The business has urged consumers and local businesses to report any bread baskets and dollies that can be recovered by Bakers Basco teams to ensure continued supply. Equipment often went missing because people and other businesses took it and used it without permission, added the company.It has already put an additional £1m worth of equipment into the system, but warned that, if existing stock was not returned, bakers soon wouldn’t be able to get their bread onto shop shelves.“We are issuing an urgent plea to everyone across the nation to be vigilant and report any bread baskets and dollies,” said Bakers Basco chairman Joe Street.He asked that people look out for abandoned or misused bread trays and dollies, and to call Bakers Basco using the telephone number on the equipment.“Often people don’t realise that this equipment is clearly marked as the property of Bakers Basco and provides one of the most environmentally friendly distribution systems, as trays are returned to bakeries where they are washed and then reused many times.”
FARMINGTON – Commissioners moved again to table a contingency plan proposed for the Franklin County Regional Communications Center at a meeting Thursday morning, as well as reversing a previous decision and opting in to federal paid leave associated with the COVID-19 pandemic.The contingency plan developed by dispatchers would, once activated, split the center’s staff into two, four-person teams each of which would stay at the center for two weeks at a time. Dispatchers proposed the contingency out of concerns for a workforce they said is limited: seven dispatchers filling eight shifts, as well as three trainees. At Thursday’s meeting, county officials said that another dispatcher could be asked to self-quarantine due to a potential secondary exposure to COVID-19.While 911 calls would be rerouted to the dispatchers Augusta or another center, dispatcher Dawn Tolman told commissioners Thursday, those dispatchers didn’t have access to the same channels and couldn’t respond at the same level that Franklin County could. Additionally, fewer dispatchers could mean not being able to answer the center’s business line, Tolman said, which some people did call with emergencies.The contingency plan was initially presented to county commissioners on March 31, where it was unanimously approved. At the April 6, commissioners raised objections to the plan, including that men and women would be sharing amenities, that similar plans were not being implemented for other county facilities, such as the sheriff’s office or the jail, and that the contingency plan would effectively be paying dispatchers to not work for two weeks. The use of a privately-owned camper to provide a shower was also identified as a liability issue, although the idea of having the county rent a trailer/camper was considered.At Thursday’s meeting, Commissioner Charlie Webster of Farmington reiterated that he didn’t like the plan as proposed, citing issues with treating some county employees differently than others as well as paying dispatchers to stay home. Commissioner Terry Brann of Wilton said that he believed that the state or other county dispatch facilities would help backup Franklin County if necessary. He suggested tabling the plan until it was needed, saying that he believed it could be put together quickly if necessary.Commissioner Clyde Barker of Strong said that he wanted a plan in place. That opinion was shared by Acting Communication Director Amanda Simoneau, who said that other dispatcher centers were facing the same issues that Franklin County’s was, making it potentially difficulty to loan staff or push calls.“If this PSAP [Public Safety Answering Point] does not stay staffed, it is a risk to our citizens and first responders that are our responsibility,” Simoneau said.The vote to table the plan was 2 to 1, with Webster and Brann in favor and Barker opposed.After the vote, Webster said that was willing to meet with dispatchers or other officials to work on a plan for the center.Commissioners also voted unanimously to reverse a previous decision made at the March 31 meeting, opting into a federal paid leave program for the county’s emergency responders. That change will allow the county to be reimbursed to pay the salaries of employees that potentially had secondary contact with COVID-19, requiring self-quarantine. Commissioners agreed that it was unfair not to pay employees if the county intended to tell them to stay home.In other business, commissioners voted unanimously to deny a request by the National Correctional Employees Union for hazard pay for corrections officers. The request was made in the form of a letter sent to all counties in the state. Brann and Webster said that they felt offended by the request, as previous contract negotiations had yielded a pay increase for officers at the Franklin County Detention Center.
Harvard announced today that alumnus John A. Paulson, M.B.A. ’80, founder and president of Paulson & Co., has made the largest gift in the University’s history, a $400 million endowment to support the School of Engineering and Applied Sciences (SEAS). To honor his generosity, the School will be renamed the Harvard John A. Paulson School of Engineering and Applied Sciences.Paulson’s gift comes at a time of great opportunity for SEAS. Founded in 1847 as the Lawrence Scientific School, it later became the Division of Engineering and Applied Sciences and then, in 2007, the School of Engineering and Applied Sciences. Since becoming a School, SEAS has added three undergraduate concentrations (biomedical engineering, mechanical engineering, and electrical engineering) and a master’s program in computational science and engineering, the faculty has grown by nearly 30 percent, and course enrollment has increased by nearly 150 percent.The School is also planning for expansion into Allston, where its scientists and engineers will occupy state-of-the-art research and teaching facilities within a campus anchored by science and adjacent to Harvard Business School (HBS) and the Harvard Innovation Lab (i-lab). In Allston, SEAS will be at the center of a community of entrepreneurs and innovators in an emerging research enterprise zone.“There is no easy formula for innovation, in both the physical and digital worlds — in both atoms and bits — but SEAS accomplishes both,” said Edgerley Family Dean of FAS Michael D. Smith (not pictured). John A. Paulson (right) and Harvard President Drew Faust greet Harvard Business School Dean Nitin Nohria prior to today’s formal gift presentation. Rose Lincoln/Harvard Staff Photographer“John Paulson’s extraordinary gift will enable the growth and ensure the strength of engineering and applied sciences at Harvard for the benefit of generations to come,” said Drew Faust, president of Harvard University and Lincoln Professor of History. “His appreciation of the importance of SEAS to faculty, students, and Schools across the University has motivated a historic act of generosity that will change Harvard and enhance our impact on the world beyond.”Paulson’s gift comes in the midst of The Harvard Campaign, publicly launched in September 2013. The campaign seeks to raise $6.5 billion to shape the future of education with a focus on University aspirations, including advancing new approaches to teaching and learning, attracting and supporting the best students and faculty, creating a campus for the 21st century, and supporting multidisciplinary research.“There is nothing more important to improve humanity than education,” said Paulson. “For 379 years, Harvard has had a profound global impact across a multitude of disciplines that benefits all of humanity. Today’s gift will help continue that legacy by making SEAS a 21st-century engineering leader. It provides a solid endowment for faculty development, research, scholarships, and financial aid.“SEAS is the next frontier for Harvard, and its expanding campus in Allston promises to become the next major center of innovation. As an alumnus of Harvard, one who has benefited greatly from the education I received here, it is both a privilege and an honor to support this endeavor,” he added.Through research and teaching, SEAS faculty and students address some of the greatest challenges facing society. SEAS laboratories have achieved remarkable discoveries, including recent breakthroughs such as an organ-on-a-chip platform that can be used for drug testing, a swarm of self-organizing robots, novel nanotechnology devices that are changing optical electronics, an implantable cancer vaccine, new knowledge about the links between atmospheric chemistry and climate change, and a robot that can assemble itself from a flat sheet.SEAS also offers all Harvard College students an introduction to engineering and technology — essential knowledge for leaders in any field in the 21st century. Alumni include former Microsoft CEO Steve Ballmer ’77, NASA astronaut Stephanie Wilson ’88, U.S. Secretary for Housing and Urban Development Shaun Donovan ’87, M.Arch. ’95, M.P.A. ’95, and Zappos CEO Tony Hsieh ’95.Student interest in engineering and applied sciences continues to grow rapidly. The number of undergraduate concentrators has risen exponentially in recent years, and this past year the introductory computer science course CS50 became the most popular course at the College, with more than 800 registered students.Incoming dean Francis J. Doyle III will serve as the inaugural John A. Paulson Dean of SEAS, in addition to his assuming the John A. and Elizabeth S. Armstrong Professorship of Engineering and Applied Sciences.“There is no easy formula for innovation, in both the physical and digital worlds — in both atoms and bits — but SEAS accomplishes both,” said Michael D. Smith, Edgerley Family Dean of the Faculty of Arts and Sciences and John H. Finley Jr. Professor of Engineering and Applied Sciences. “From the groundbreaking ‘sharing economy’ entrepreneurship of Airbnb co-founder Nathan Blecharczyk ’05 to the transformative work of biomimetic engineer Professor Joanna Aizenberg, SEAS demonstrates what’s possible when you combine a world-class research and teaching environment with a fundamental commitment to the liberal arts. That’s engineering at Harvard. That’s what this gift will multiply.”“SEAS has a rich history of extraordinary discovery and innovative teaching,” said Harry R. Lewis, interim dean of SEAS and Gordon McKay Professor of Computer Science. “This visionary gift will enable our faculty, researchers, and students to build on that legacy and fulfill our potential to become one of the world’s premier engineering and applied sciences programs.”“John is the epitome of a visionary leader,” said Nitin Nohria, dean of HBS and George F. Baker Professor of Administration. “He understands that this gift will be the cornerstone for a Harvard campus in Allston where multiple disciplines can converge and combine their passion for knowledge, unleashing discovery in ways that truly benefit society and the world.”Paulson graduated from HBS with high distinction in 1980. He founded Paulson & Co. in 1994 with $2 million and one employee. Today the company, which specializes in alternative investments, manages more than $19 billion and employs more than 125 people worldwide.Over the course of his career, Paulson has given generously to support a number of causes, including in education, the arts, health care, and conservation. He also serves as a board member to a number of nonprofits, including the Harvard Business School Board of Dean’s Advisors, the New York University Board of Trustees, the 92nd Street Y, the Central Park Conservancy, the Metropolitan Museum of Art, and the Council on Foreign Relations.
View Comments This has made us “Think!” Aretha Franklin wants her life story on Broadway. “I would like to see it be a dramatic musical,” the Queen of Soul told Billboard. “I loved the Motown musical; it was so great. I think the timing is very good now, especially behind Jersey Boys, Carole King.” She added, “Gloria Estefan has come to Broadway now and why not Aretha?”Franklin has already talked to actress-director Marsha Mason about collaborating on the project, who is apparently “very amenable and would love to do it.” Mason has appeared in multiple productions on the Great White Way including Impressionism, Steel Magnolias and The Night of the Iguana; a four-time Oscar nominee, she was married for ten years to the Tony-winning playwright Neil Simon.No word yet on who Franklin would like to play her on the stage. A Lifetime biopic of the Queen of Soul has been long-in-the-works and the star has previously spoken about how both the Broadway-bound Jennifer Hudson and six-time Tony winner Audra McDonald are top of the list to portray her.
City Market and Opportunities Credit Union (OCU) Team Up to Promote Small Business GrowthCity Market and OCU are offering low-interest business loans.Burlington, VTDecember 15, 2008 – City Market, Onion River Co-op, downtown Burlington’s cooperative grocery store, is announcing a new loan fund that will help small businesses to grow. The Co-op works with over 1,000 Vermont vendors and is committed to the sustainability not only of local agriculture of also of our local economy. Many of the Co-op vendors have expressed interest in a low-interest loan program in order to expand their businesses. Teaming up with Opportunities Credit Union, City Market is able to offer vendors a loan rate of 4.99%.To support a strong local food system, the City Market Loan Fund will help businesses purchase equipment, inventory, business vehicles, machinery, raw materials, or funds to purchase an income producing asset. Potential loan program participants could include existing small business owners, entrepreneurs, farmers and/or food producers looking to expand their current business, purchase/replace equipment, develop a new product line, increase production capacities and/or efficiencies. Start-up financing is not available under this program.OCU plans to review each business application and have sole discretion on approving loan requests. Businesses and owners must meet membership eligibility requirements of the credit union. Businesses that are not currently eligible according to OCU’s existing credit standards will be offered an action plan to address the barriers of their situation. For more information contact Greg Huysman, Small Business Lending Manager at 802-865-2003 x125 or [email protected](link sends e-mail).About City Market, Onion River Co-opThe Onion River Co-op is a consumer cooperative, with over 3,200 members, selling wholesome food and other products while building a vibrant, empowered community and a healthier world, all in a sustainable manner. Recently awarded the 2008 Howard K. Bowers Fund Cooperative Excellence Award, City Market provides a large selection of local, natural and conventional foods, and thousands of Vermont-made products. Visit City Market, Onion River Co-op conveniently located in downtown Burlington, online at www.CityMarket.coop(link is external) or call 802-861-9700.
The timing of overdraft communications and the method of delivery (i.e., call/email/letter/text) are also important to enhance service and manage risk. And obviously, your ability to identify frequent ‘overdrafters’ and provide counseling alternatives and repayment plans is crucial.Adopt disclosures that clearly define the program and pricing—A recent article by compliance expert Temenos suggests that choosing the right words in your overdraft disclosures is critical, even down to whether you refer to it as “privilege, protection, program, service or coverage.” Currently, the CFPB is field testing four sample overdraft disclosure forms, which it released earlier this month. These “Know Before You Owe” forms attempt to make it easier for consumers to understand overdraft protection policies and procedures, especially with regard to debit card/ATM transactions. The outcome of these tests may be months away or more, but the more the consumer understands about your overdraft program, the better. After all, studies have shown that the majority of ‘overdrafters’ (which is only a small percentage of members) willingly use the service as a result of informed choice. Director Cordray acknowledged this fact on multiple occasions saying the CFPB is not looking to do away with overdraft services. Instead, he hinted at only minor consumer-focused changes, including new, ‘more transparent’ disclosures and possible changes to posting order. Seek an experienced overdraft service provider that provides a published set of best practices to ensure the most responsible way to take advantage of the re-emerging opportunity that overdrafts present. The conversation about overdrafts has been somewhat non-existent the past several months as credit unions patiently wait for impending compliance directives, changes within the CFPB and an uptick in the economy. It seems now–with positive movement regarding all these concerns–it’s time to start talking about the opportunity they represent and the best way to seize it. CUES recently reported that “with The Financial Choice Act likely to pass Congress, compliance on overdrafts appears headed for less restriction.” This assertion is based on the fact that part of the proposed Financial Choice Act dismantles key parts of Dodd-Frank, which created the Consumer Financial Protection Bureau (CFPB), whose role would be redefined under a new name. The act–among other improvements–“removes the board’s opaque and ill-defined unfair, deceptive, or abusive acts and Practices (UDAAP) authority,” while still emphasizing consumer protection. The bill passed in the House on June 8 and goes to the Senate next for consideration.In the meantime, before The Financial Choice Act is adopted, CFPB director Richard Cordray has stated, “We are not proposing any regulatory amendments at this time” and with less than a year left in his term (and the possibilities that President Trump may oust him earlier or Cordray may run for Governor of Ohio and be required to step down), the likelihood of any new legislation may indeed be dubious.This movement toward less restrictive regulation should be encouraging to credit unions that seek to provide overdraft protection for members who choose–and can afford–to take advantage of it. Indeed, trends suggest that use of the service is on the rise.Research firm Moebs recently reported that the marketplace is poised to rebound and, when it does, consumers will “begin spending more, saving less and accessing overdraft privilege more often.” When this happens, the firm projects overdraft revenue will rise to an historic high of $40 billion by 2020. What is the best way for credit unions to take advantage of the new overdraft landscape? Focus on service to the consumer (and risk-management for the institution) by implementing customized and protective measures, including: Set overdraft limits that align with the member’s ability to repay—Setting a fixed overdraft limit (for instance, paying all overdrafts up to $500/day) for every consumer based solely on account type could result in certain members receiving a limit higher than what they can afford. Likewise, members who can afford a higher limit (based on a myriad of account data points, including specific deposit and overdraft activity and related balances) may be restricted from paying for necessary expenses when the fixed limit is not high enough to accommodate the purchase amount. When this happens, your credit union runs the risk of losing this member to a program that is more in tune with his financial needs and habits.Produce communications that are personalized and tailored to each member’s situation—Whether your credit union relies on internal resources, core-generated communications or third-party software, personalized and dynamic messages improve engagement, maximize collections, retain members and help manage risk.An overdraft technology platform that tracks multiple account data points can ensure your overdraft communications are not only branded to your credit union (down to the branch manager’s signature), but also contain completely relevant, custom messaging that coincides with activities, like: ATM/Debit Card Denial due to NSFOverdrawn BalancesDays OverdrawnMember Overdraft Repayment Capacity; and Other Changes in Account Activity 22SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jeff Harper Jeffrey Harper brings more than 25 years of industry experience to his position as president of BSG Financial Group. where he heads up the Sales and Marketing divisions of the … Web: www.bsgfinancial.com Details
While conducting staff brand training for a credit union recently, a young member of the executive leadership team spoke up and said something profound. It’s sage advice for any bank or credit union entering new brand territory.The individual in question said “when it comes to our brand, there is no org chart.”Truer branding words were perhaps never spoken.His statement came after a few moments of explanation in which I explained that every person at the credit union, regardless of position, branch or title, has a vital role to play in the brand. Taking it even deeper, I gave every employee in the room the unofficial title of “brand ambassador.”The individual quoted above is absolutely right. When it comes to the brand of any bank or credit union, there really is no traditional org chart. Rather, branding is the responsibility of every person at the credit union from the CEO to the leadership team, frontline, backoffice, HR, marketing, IT, you name it. When done correctly, with spirit and enthusiasm, embracing the identity of the brand falls squarely on the shoulders of everyone at your bank or credit union. The brand org chart flows uniquely horizontally rather than vertically.Any brand is only as strong as its weakest link and no individual at your bank or credit union wants to (or can’t afford to) be that weakest link. A brand is a result of how it is lived both between employees and the consumers they serve. When a bank or credit union adopts a brand, titles go out the window and everyone truly must become a brand ambassador (and this also applies outside traditional office hours and outside the four walls of your bank or credit union). continue reading » 29SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr