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
Following a lopsided victory over the J. Lloyd Crowe Hawks in the Kootenay High School AAA Boy’s Basketball Zone Final, everything was coming up roses for the L.V. Rogers Bombers.That was until the bill came in for the team to compete at the B.C. High School AAA Boy’s Basketball Championships in Langley.However, everything is back on schedule as the Bombers are in Langley to battle the best beginning Wednesday against Sir Charles Tupper of Vancouver.”I think the mood of the team is positive,” said Bomber head coach Jeremy Phelan, who has spearheaded the fundraising drive for the team.”We realize that we’ve not had a full squad available all season long for any of our tournaments and therefore have not been able to play up to our full potential. “However, we are heading in to the provincial tournament with a full healthy roster and have improved greatly each time we’ve gone away to tournaments.”The Bombers face a tough road ahead as the 15th seeded team in the 16-team field.Sir Charles Tupper is ranked second and are a very well coached team and well-organized team said Phelan.”Our game is generally a slash and pound game,” Phelan explained. “We like to get the ball in the post, driving to the hoop, getting high percentage shots, and our opponent in foul trouble often.””So on paper their style of play is tough for us to stop but ours is equally as difficult especially if they’re not able to prepare for what we bring to the court,” added Phelan, spending the past two weeks reviewing video footage of the Bomber opponents.This is the Bombers first foray into the AAA level since the B.C. Boy’s Basketball Association changed the divisions to start this season and the Quad category was added.LVR has been a Double-A school for the past decade and a tournament participant for the past few under the guidance of former skipper Ross Naka.To get to Langley the Bombers are thankful to many businesses for helping them during fundraising, including Tom Atkins at the Nelson and District Credit Union.Others include Shambhala Music Festival, Lion’s Club of Nelson, Nelson and District Community Investment Program, Bibby Orthodontics, Kootenay Health Services, Dr. Lee Hutton, Dr. Brian Moulson, Alan Burch Law Corporation, Berg Lehmann Chartered Accountants and Business Advisors, Ms. Glenda Miller, Tim Pearkes Law Corporation, Safeway, Save-On-Foods and The Kootenay Co-op.
With just a week left to the Battle of the Swilly II, boxers from Glenswilly and Letterkenny Gaels are pushing hard to be in the shape of their lives! Simply click on the video to get a snapshot of how training is going in the countdown to next Sunday night’s big clash. DDTV: SEE THE FIGHTERS PREPARE FOR THE BATTLE OF THE SWILLY II was last modified: October 18th, 2014 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:Battle of the Swilly 2donegal
Deele College celebrated their annual school prize-giving this morning in the school sports-hall with special guest, Minister Joe McHugh in attendance.A large congregation of students, teachers, parents and other members of the school community gathered to honour the achievements of the school’s students both inside and outside the classroom.It was a day of celebration, yet it was a day tinged with sadness, as the husband of the late Grainne O’Donnell who died earlier this year, was present to award the ‘Science Student of the Year’ to Conor Wilson. It was a fitting tribute to the former science teacher, who was such a pivotal member of the teaching staff at Deele College and her memory will live on through this perpetual award for students who excel in science.Head Girl, Tyler Toland won numerous awards, both for her record-breaking antics in the world of soccer and also academic awards, which show what a hard-working and dedicated student she is.Indeed, it was noted that the airport staff in Dublin are well acquainted with the Maiden City star, whose luggage is persistently over the designated weight due to the bulk of her school books.No matter where in the world she is jetting off to, the school books are with her. Another highlight of the event was the acknowledgement of the ‘Clean-Guard’ team, who won the national NFTE Entrepreneurial Competition last week in Dublin.The team, which consists of Ellie Baron, Stephanie Harper and Saffron Porter will now go on to represent Ireland in Barcelona at the European competition.Ellie Baron was also awarded the best Junior Cert award.Ronan McKinley, a TY student who plays with Derry City, was highlighted for his role in the recent U-17 European Championships, where he represented Ireland, while Ellie Spence, Oisin Toye, Cate Toland, Gavin McGee, Holly Canning, Jade Duffy, Aine Kerr and Aine-Marie McBride were acknowledged for their participation in elite sport.Kellie Nesbitt picked up the coveted ‘Prefect of the Year,’ while there was a huge round of applause for Tyler Toland, who picked up the ‘Overall Student of the Year Award.’ Guest Speaker, Minister for Education and Skills, Joe McHugh said that he was both astounded and fascinated by the wide variety of both success and participation in extra-curricular activities in the school.He highlighted the role that teachers play in getting students ready for not just exams, but for entry into the wider world.He also noted the importance of the school’s history, with a number of awards named after past teachers, especially the recent award dedicated to Grainne O’Donnell and said that the award will keep her memory alive forever in the school.Jumping eloquently between English and Irish, he congratulated the school in their efforts to make the Irish language part of our daily lives. He insisted that it was through the promotion of our native tongue that would keep our culture alive. He urged students to be bold, to be brave, to try new things and to never be afraid. He told the students that if they weren’t making mistakes, they simply weren’t learning.“The small mistakes we make every day are essential for our learning. It’s how we get better, it’s how we achieve success.“I want all of you to keep doing what you are doing, you are on the right track, keep making mistakes, keep trying new things and success will never be far away.”Proud moments at the Deele College Prizegiving – Pic Special was last modified: May 22nd, 2019 by Shaun KeenanShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)
South Africa’s astronomy programmes will benefit from the five new astronomy chairs soon to be appointed. (Image: Ska SA) MEDIA CONTACTS Mr Nhlanhla NyideDST, Communications+27 012 843 6793 USEFUL LINKS • Department of Science and Technology • National Research Foundation • Square Kilometre Array RELATED ARTICLES • Ska to reveal universe’s secrets • African eyes on the universe • Science and technologyJanine ErasmusThe Department of Science and Technology (DCT) has allocated US$6.2-million (R50-million) to fund new research chairs, or research professorships, in South Africa during the 2010/11 financial year.Making the announcement in August 2009, Science and Technology Minister Naledi Pandor named 10 new research chairs, adding that there are plans to appoint nine more this year.The appointments fall under the South African Research Chairs Initiative (SARChI), a key part of government’s strategy to strengthen the human resource pool in scientific research.The programme is administered by the National Research Foundation (NRF), the national governmental agency tasked with the promotion and support of basic and applied research, as well as innovation.SARChI, an important component of the NRF’s strategic plan up to 2015, aims to boost the country’s competitiveness in the international knowledge economy, by cultivating both existing and potential strengths.The initiative’s ultimate goal is the creation of 210 new chairs by 2010.Chairs are awarded in one of two tiers. A Tier 1 chair is given to those outstanding academics with exceptional research and student supervision records, and who work to continually improve their performance.A Tier 2 chair is given to emerging researchers who show the potential for rapid development and who also have excellent research and student supervision records.“Our investment will build a larger base of scientific expertise than currently exists, thus enhancing South Africa’s international reputation in research and innovation,” said Pandor. “This, in the long run, will help create jobs, increase economic growth and improve our standard of living.”Boosting scientific researchThe SARChI initiative is already in its third round. The previous two rounds saw the establishment of 72 new chairs – 21 in 2007 and 51 in 2008. Research subjects range from health and wealth in South Africa, and cancer biology, to fundamental physics and string theory, vaccine-preventable diseases, and economic development.Of the 72 chairs, 16 have gone to the private sector or to other countries, including Ethiopia, Nigeria, Kenya, the UK, Germany, Sweden, Italy and the Netherlands.Pandor announced the names of the 10 new appointees before mentioning that another five chairs will be appointed in astronomy, as well as a further four in mathematics.The astronomy chairs are expected to strengthen South Africa’s bid to host the world’s largest telescope, the Square Kilometre Array (Ska), and will attract top class astronomers and engineers to work on Ska and other programmes.The minister named some interesting features regarding the 10 new chairs. Most of them, she said, were in the human and social sciences in the fields of development planning and modelling, development economics, and social change, as well as econometric modelling, statistics, indigenous knowledge systems, and mathematics education.Two of the 10 were supported by the private sector in the form of financial institutions Rand Merchant Bank and the FirstRand Foundation, with a view to encouraging research and development in maths education. Two of the 10 are to be appointed at previously disadvantaged institutions, and one goes to a South African woman currently based in the US.The 10 new professors will assume their duties during the remainder of 2009 or at the start of the 2010 academic year.Boosting research capacityThe NRF has named a number of key objectives for SARChI. Top of the list is an increase in the number of world-class South African researchers.The second objective is to retain or lure top research scientists to the higher education sector. This will help to reverse the decline in research output, capacity and focus at government-funded research and higher education institutions, and science councils.SARChI will also strengthen the capacity of research and higher education institutions, science councils, museums, and other research facilities, such as teaching hospitals, in order to boost the generation of new knowledge.Thirdly, the programme will stimulate strategic research in all fields, resulting in greater levels of excellence in research areas of both national and international importance.Another important function is the creation of research careers for deserving young and mid-career researchers, while at the time addressing racial, gender and age imbalances. Finally, the programme aims to accelerate the training of top researchers.Do you have queries or comments about this article? Contact Janine Erasmus at [email protected]
Tags:#Blockchain#electric cars#IBM#IoT#Microsoft#Smart Cities#Wanxiang How Connected Communities Can Bolster Your Busi… Donal Power How IoT Will Play an Important Role in Traffic … Surveillance at the Heart of Smart Cities Related Posts Another company jumped on the blockchain bandwagon in a big way, with Wanxiang’s $30 billion smart city project. The Chinese electric car maker announced the mega-project at the Global Blockchain Summit.Wanxiang said that it will invest $30 billion in a project that will integrate blockchain technologies with smart city innovations. The project will involve the purchase of 83 million square feet of land in Hangzhou, where Wanxiang is headquartered.Industry pundits predict that blockchain technology could revolutionize the Internet of Things (IoT), as it is capable of verifying a device’s every transaction, communication and change.This type of verification will become crucially important in smart cities where increasing numbers of connected devices will begin spouting data from all corners of the urban environment.See also: Outdated thinking on wireless could cripple UK smart cities“We want to use blockchain to manage IoT, and use it help devices to interact with each other,” said Feng Xiao, vice chairman of Wanxiang. “Smart appliances can be managed with blockchain.”In a similar vein, the government of Dubai announced earlier this year that its innovation department will be integrating blockchain into its smart city strategy.How Wanxiang will integrate blockchain with smart city projects is still being formulated, but company representatives are in talks with Microsoft and IBM on future collaboration.The project is expected to develop innovations at the intersection of cars, smart cities and blockchain. One example given was how the cost of electric cars could be reduced by using blockchain to confirm and enforce property rights in urban environments of the future.Wanxiang already launched a blockchain labWanxiang has already proven keen on blockchain technology with its launch of its $50 million Wanxiang Blockchain Labs. As well in $500,000 of ether cryptocurrency was purchased by a Wanxiang subsidiary in 2015.And as part of the project, the company will be actively looking to finance blockchain entrepreneurs who may be developing innovations that will align with Wanxiang’s initiative.“We can’t tackle all the use cases that might arise from the smart city project,” said Feng. “That’s why we’re opening it up to use cases from all over the world.”Wanxiang owns the American electric car manufacturer Karma and is planning to build a $375 million plant for making battery-powered vehicles. For Self-Driving Systems, Infrastructure and In…
In this week’s Friday Field Notes, we will explore the resources available through cooperative extension to promote environmental fitness. Total Force Fitness (TFF), combined with human performance optimization (HPO), engages service members, their loved ones, and units while they’re healthy and performing well. The TFF framework also provides tools to prevent health and performance skills from weakening. This focus on prevention is what’s called “left of bang.” Coordinating efforts from both left and right of bang—including taking steps to prevent injury, boost resilience, and promote recovery—are essential to sustaining Military Family health and readiness.What Is Environmental Fitness?Environmental fitness is defined as the ability to perform mission-specific duties in any environment and withstand the multiple stressors of deployment and war. Many theater specific environmental stressors can be identified, assessed, and mitigated before deployment. These stressors are typically categorized by their physical, chemical, or biological parameters and include heat, cold, altitude, ionizing radiation, noise, hazardous chemicals, ultrafine particulate matter, as well as biologic agents in food, water, or other media. Mitigation of these stressors can improve the environmental fitness of military members and their families. (see O’Connor et al., 2010).These scholars point out that a concept comparable to total fitness is also emerging throughout the civilian sector wherein medical facilities are merging with fitness facilities to holistically integrate healthy behaviors and lifestyles, to include diet and exercise, as part of the overall treatment of disease. As the health-challenged civilian and military populations expand, the management and prevention of both acute and chronic health conditions have become increasingly critical. To that end, numerous efforts at the federal and state level are investing in the possibilities of what is being called Outdoor RX. Originally, Outdoor RX was focused on children where studies found support for the use of outdoor exercise prescriptions in children. In its conception, Outdoor RX was a collaboration between the Appalachian Mountain Club and the Massachusetts General Hospital for Children that paired exercise prescriptions with guided outdoor programs to increase physical activity among children (See https://www.ncbi.nlm.nih.gov/pubmed/27834192).New Possibilities in the Environmental Fitness DomainMore recently, based on the work of land grant university and cooperative extension scholars and practitioners, applications of the Outdoor RX conceptualization have been applied to veterans, service members and their families. An important resource in this domain is the book “This Land is Your Land – Toward A Better Understanding Of Nature’s Resiliency-Building And Restorative Power For Armed Forces.”A MFLN series of webinars highlighted this growing area of interest (see https://militaryfamilieslearningnetwork.org/event/28813/ ). A bill introduced to congress on May 1, 2019, could make outdoor recreation an official treatment option for veterans suffering from mental health disorders (see https://www.outsideonline.com/2394553/veterans-outdoor-therapy-could-become-law). Similar bills are being presented and passed in state legislatures.Cooperative Extension in the Total Force FitnessCornell Cooperative Extension practitioner and scientist Keith Tidball was recently recognized by the Center for Jackson Hole for an award to be presented at the SHIFT (Shaping How We Invest For Tomorrow) annual festival, held each autumn in Jackson Hole, that explores issues at the intersection of outdoor recreation, conservation, and public health. Tidball has been working with outdoor recreation therapy and returning combatants as well as others dealing with trauma for over a decade, and will be working with the Center for Jackson Hole to host a symposium focused on application for Outdoor RX lessons learned from the veteran community to the currently serving military community and their families, to enhance readiness and resilience.
Arsenal midfielder Guendouzi: I made my impression in preseasonby Freddie Taylor10 months agoSend to a friendShare the loveMatteo Guendouzi admits that he took the chances that were given to him in preseason.The youngster arrived from Lorient in the summer, but no one expected that he would make an instant impact on the first team.The 19-year-old has been a key member of the midfield under new boss Unai Emery.And he is happy that he has settled in so quickly.He said in an interview with Sky Sports: “Although it doesn’t feel like I had time to adapt, I did. “The key was when we went on pre-season to Singapore we played friendly matches and I was able to show my qualities to the staff and my team-mates, that time was really precious because when we came back here it was much easier to adapt to the team and the staff.”Everybody has helped me to integrate and be part of the club and for me to play without pressure, which I love to do. Because I started and played well from the beginning that helped me and my confidence for the games that followed.” About the authorFreddie TaylorShare the loveHave your say
zoom After it saw a growth rate of 24% in 2017, Poland’s Deepwater Container Terminal (DCT) Gdansk aims to continue growing this year as well.During the year, DCT Gdansk’s volumes increased to just under 1.6 million TEU as the company launched full operation of the second terminal T2, doubling its capacity.“This facilitated the continued growth of our relationship with the 2M Alliance and then in May the arrival of the OCEAN Alliance. Having the world’s two largest Alliances provide direct calls with the largest ships in their fleet is a real testament to the vision of building DCT Gdansk,” Cameron Thorpe, CEO of DCT Gdansk, said.Continuing to plan growth, DCT has initiated its ‘T2B program’, due to roll-out over the next 3 years.The program includes two additional ship-to-shore cranes arriving in the third quarter of 2018, enabling the T2 berth to deploy 7 cranes by the end of this year. In support there will be an expansion of the yard area with 5 additional all-electric e-RTGs.Thorpe said that over the next two years there will be a second fairway approach to the Port of Gdansk, to which DCT will have access.This will further reduce the time from pilot-station to berth, enhancing the total port turn-around time of the ULCV’s calling.“Longer-term, DCT has considerable ability to expand both berth and yard footprint, so we can effectively continue to grow in-line with market demand,” Thorpe concluded.
PHILADELPHIA – Rashon Nelson initially brushed it off when the Starbucks manager told him he couldn’t use the restroom because he wasn’t a paying customer.He thought nothing of it when he and his childhood friend and business partner, Donte Robinson, were approached at their table and were asked if they needed help. The 23-year-old entrepreneurs declined, explaining they were just waiting for a business meeting.A few minutes later, they hardly noticed when the police came into the coffee shop — until officers started walking in their direction.“That’s when we knew she called the police on us,” Nelson told The Associated Press in the first interview by the two black men since video of their April 12 trespassing arrests touched off a furor around the U.S. over racial profiling or what has been dubbed “retail racism” or “shopping while black.”Nelson and Robinson were led away in handcuffs from the shop in the city’s well-to-do Rittenhouse Square neighbourhood in an incident recorded on a white customer’s cellphone.In the week since, the men have met with Starbucks’ apologetic CEO and have started pushing for lasting change at the coffee shop chain, including new policies on discrimination and ejecting customers.“We do want to make sure it doesn’t happen to anybody again,” Robinson said. “What if it wasn’t us sitting there? What if it was the kid that didn’t know somebody that knew somebody? Do they make it to jail? Do they die? What happens?”On Thursday, they also got an apology from Philadelphia police Commissioner Richard Ross, a black man who at first staunchly defended his officers’ handling of the encounter.“I should have said the officers acted within the scope of the law, and not that they didn’t do anything wrong,” Ross said. “Words are very important.”At a news conference, a sombre Ross said he “failed miserably” in addressing the arrests. He said that the issue of race is not lost on him and that he shouldn’t be the person making things worse.“Shame on me if, in any way, I’ve done that,” he said.He also said the police department did not have a policy for dealing for such situations but does now and it will be released soon.Nelson and Robinson said they went to the Starbucks to meet Andrew Yaffe, a white local businessman, over a potential real estate opportunity. Three officers showed up not long after. Nelson said they weren’t questioned but were told to leave immediately.Yaffe showed up as the men were being handcuffed and could be seen in the video demanding an explanation for the officers’ actions. Nelson and Robinson did not resist arrest.“When you know that you did nothing wrong, how do you really react to it?” Nelson said. “You can either be ignorant or you can show some type of sophistication and act like you have class. That was the choice we had.”It was not their first encounter with police. But neither had been arrested before, setting them apart from many of those they grew up with in their gritty southwest Philadelphia neighbourhood.Nelson and Robinson spent hours in a jail cell and were released after midnight, when the district attorney declined to prosecute them.Nelson said he wondered if he’d make it home alive.“Any time I’m encountered by cops, I can honestly say it’s a thought that runs through my mind,” Nelson said. “You never know what’s going to happen.”Starbucks has said the coffee shop where the arrests occurred has a policy that restrooms are for paying customers only, but the company has no overall policy. The men’s attorney, Stewart Cohen, said they were illegally profiled.The arrests prompted protests at the Starbucks and a national boycott. Kevin Johnson, CEO of the Seattle-based company, came to Philadelphia to meet with the men, called the arrests “reprehensible” and ordered more than 8,000 Starbucks stores closed on the afternoon of May 29 so that nearly 175,000 employees can receive training on unconscious bias. Starbucks has not identified the employee who called police.Robinson said that he appreciates the public support but that anger and boycotting Starbucks are not the solution.The men said they are looking for more lasting results and are in mediation with Starbucks to make changes, including the posting in stores of a customer bill of rights; the adoption of new policies on customer ejections and racial discrimination; and independent investigations of complaints.“You go from being someone who’s just trying to be an entrepreneur, having your own dreams and aspirations, and then this happens,” Nelson said. “How do you handle it? Do you stand up? Do you fight? Do you sit down and just watch everyone else fight for you? Do you let it slide, like we let everything else slide with injustice?”___Whack is The Associated Press’ national writer for race and ethnicity. Follow her work on Twitter at http://www.twitter.com/emarvelous