Watch for these NCUA exam ‘hot spots’

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Jared Ihrig, CUNA’s chief compliance officer & counsel explored NCUA exam “hot spots” during the 2020 CUNA Operations & Member Experience Council and CUNA Technology Council Virtual Conference.NCUA is focusing on error-resolution requirements, timelines, and issues concerning Regulation E, as well as overdraft opt-in disclosures for one-time ATM and debit transactions, he says.Some credit unions continue to miss filing deadlines of the loan application register (LARs) as required by the Home Mortgage Disclosure Act, and some aren’t updated LARs quarterly.Additionally, in some instances data fields are not being properly aggregated or captured across credit union loan origination systems, Ihrig says. This post is currently collecting data…center_img This is placeholder text continue reading »last_img read more

Hidden Volcano Comes to Light

first_imgIt was the largest volcanic eruption of its kind in history. It happened five years ago. Did you hear about it? Probably not. Here’s why.Under the sea, in 2012, a volcano erupted that set new records. Here’s what Science Advances (the open-access journal of the AAAS) says about it:The 2012 submarine eruption of Havre volcano in the Kermadec arc, New Zealand, is the largest deep-ocean eruption in history and one of very few recorded submarine eruptions involving rhyolite magma. It was recognized from a gigantic 400-km2 pumice raft seen in satellite imagery, but the complexity of this event was concealed beneath the sea surface. Mapping, observations, and sampling by submersibles have provided an exceptionally high fidelity record of the seafloor products, which included lava sourced from 14 vents at water depths of 900 to 1220 m, and fragmental deposits including giant pumice clasts up to 9 m in diameter. Most (>75%) of the total erupted volume was partitioned into the pumice raft and transported far from the volcano. The geological record on submarine volcanic edifices in volcanic arcs does not faithfully archive eruption size or magma production.Reconstructed images of the Havre volcano (Fig. 2 in the paper in Science Advances). See paper for caption.Undersea volcanoes are hard to detect, but that’s where 70% of earth’s magma output takes place. This eruption, from an undersea volcano named Havre in the ocean north of New Zealand, is opening geologists’ eyes to things that are little understood:Recent observations of explosive and effusive submarine eruptions in the Tonga and Marianas volcanic arcs have driven a surge in understanding deep, low-intensity, mafic end-member eruption styles. In contrast, the behavior of deep silicic eruptions in submarine settings is much less well known. Our understanding of deep silicic submarine eruptions is based largely on studying uplifted ancient successions, where details are limited by restricted exposures and missing context such as knowledge of timing and duration, source vents, and water depths. Direct insights are possible from modern seafloor deposits, but observational records of silicic submarine eruptions are rare, duration and timing information are not available, and there are no examples where the products of a large submarine silicic eruption have been mapped and characterized shortly after eruption.All that began to change on July 19, 2012, when Havre erupted big time, sending lava out multiple vents for most of a day. The plume from the 4.5 kilometer wide circular caldera was first noticed by satellite. Follow-up observations with ships and autonomous underwater vehicles have mapped out the seabed around the volcano. A pumice raft 400 square kilometers in area was discovered some 6 km away from the volcano—the largest product of the eruption. At the caldera, they found complex post-eruption effects, like mass wasting, rough and smooth areas, and stacked pumice boulders ranging from 1 to 6 meters in size. The coarse cliffs probably occurred as a result of post-eruption collapse of crater walls. The effusion rate, they estimate, is comparable to silicic volcanoes on land, such as Mt. St. Helens.Much about undersea volcanism is still poorly understood. They conclude,At Havre, the satellite-based record of the pumice raft and the detailed submarine survey permit us to calculate mass partitioning of pumice clasts into proximal versus rafted and hence distal environments. Our volume estimates reveal that most of the erupted volume (>75%) was transported away from the volcanic edifice. This percentage is comparable to that of similar magnitude subaerial [‘under air’] fall deposits. However, unlike subaerial fall deposits where exponential and power law relationships between deposit thickness and distance can be used to calculate mass partitioning and total mass erupted, there are no models for marine dispersal that incorporate water depth, duration of particle buoyancy, ocean stratification, current speed and direction, or sea-surface wind shear, all of which are necessary for prediction of marine dispersal. There is no direct evidence on Havre of the eruption that produced the raft, the most voluminous product of the 2012 eruption. Consequently, for similar events, submarine eruption size cannot be reconstructed accurately from seafloor or uplifted deposits; this lost information is a source of uncertainty when assessing magma productivity in submarine volcanic arcs.In short, even a well-observed recent undersea eruption cannot reveal much about the history of marine volcanic deposits.Whenever a big event like this happens, you have to wonder how often it happens. Were we just lucky to observe this major eruption? How common are they over the assumed billions of years of evolutionary earth history? Just one eruption like this every thousand years would result in 4.5 million similar eruptions during the earth’s assumed 4.5 billion year age, or 45 million if once per century. One would expect this would leave a tremendous record both on land and in the sea. Evolutionists can claim that most of this history is erased due to plate tectonics. That may be, but science is supposed to be about what you can observe, not what you have to assume happened to eliminate the evidence your theory requires. If a well-documented recent eruption like this leaves many unanswered questions and “lost information” and uncertainty, how much do geologists really know about earth history that is not open to observation?(Visited 739 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

Thabo Mbeki’s African vision

first_imgThe transformation in South Africa’s relationship with the rest of the world since 1990 has been nothing short of remarkable.South Africa’s increasing political and diplomatic engagement with the rest of Africa has been accompanied by growing investment by South African companies. (Image: South African History Online)Brand South Africa ReporterThe transformation in South Africa’s relationship with the rest of the world since 1990 has been nothing short of remarkable.Since the release of Nelson Mandela from prison signalled the beginning of the end of apartheid, South Africa has gone from being an international pariah to being “one of the most engaged, open and connected countries in the world,” The Economist observes in a survey of South Africa contained in its 8 April issue.While much of this re-engagement was inevitable given the country’s position as Africa’s leading economy, South African President Thabo Mbeki “has added his own distinctive twist to this natural resurgence with a foreign policy based on African solutions to African problems.”This, The Economist argues, is likely to be Mbeki’s most important legacy.‘Quintessential African nationalist’Driven by a desire to emancipate South Africa and Africa as a whole from racial oppression and colonialism, Mbeki’s principal aim, according to The Economist, has been “to establish the new South Africa as, first and foremost, a black African country.”His other ambition has been “to persuade Africa to set up its own institutions and mechanisms for solving its problems, thus ending the constant, humiliating requests for aid to the West’s former colonial powers.”The Economist report points to South African interventions led by Mbeki to tackle some of the continent’s most difficult political problems, most notably:Helping to get the warring parties to the negotiating table to end the civil war in Burundi.Helping to facilitate the complex negotiations that produced a successful referendum on a new constitution in the Democratic Republic of Congo, “one of the continent’s most war-ravaged states”.Playing a part in ending conflicts in Sudan and Liberia.South Africa not only played a part in bringing the fighting to an end in these countries; it also has thousands of peacekeeping troops stationed in these countries to maintain peace, oversee the integration of armed forces, and help create the conditions for democracy.Setting up African institutionsHowever, The Economist argues, Mbeki has been at his most creative “in trying to set up permanent institutions to serve Africa” – most notably the New Partnership for Africa’s Development (Nepad) and the African Union (AU).Launched in 2001 and headquartered in South Africa, Nepad – “very much [Mbeki’s] idea” – is a socio-economic development blueprint for the continent which, crucially, “is designed to make African countries themselves responsible for upholding standards of democracy and good governance through the African Peer Review Mechanism.”While Afro-pessimists are quick to belittle these institutions, The Economist argues that they have had successes as well as failures.“The AU acted quickly in Togo last year to reverse a coup; and in January this year South Africa led successful diplomatic efforts to stop Sudan getting the chairmanship of the AU, in protest against the Sudanese government’s policies in Darfur.”The new African Commission on Human and People’s Rights – another institution that Mbeki is involved in – has also “issued a report saying that the Zimbabwean government should be investigated for gross human-rights abuses.”In South Africa’s own interestSouth Africa’s involvement in the rest of Africa goes beyond altruism, The Economist observes, quoting Deputy Foreign Minister Aziz Pahad as saying: “We cannot sustain our economic growth if Africa continues in poverty … You can’t have development without conflict resolution.”And South Africa’s increasing political and diplomatic engagement with the rest of Africa has been accompanied by growing investment by South African companies.Since 1994, South Africa has become one of the biggest and boldest investors in Africa.According to The Economist, local mobile phone operators MTN and Vodacom, hotel chain Protea and banks Standard and Absa have all recently successfully expanded into African countries.A 2003 report by online business information firm LiquidAfrica Research found that SA was the largest investor in the rest of Africa between 1990 and 2000, with investment averaging around US$1.4-billion annually, totalling around $12.5-billion for the decade – followed by the US with less than $10-billion, and substantially ahead of France, the UK, Germany and other foreign investors.Mbeki’s ‘one big failure’Mbeki’s one big foreign policy failure so far, The Economist argues, has been Zimbabwe, where Mbeki’s “Africanist credentials trump his Nepad ambitions that African countries should help each other uphold standards of good governance, human rights and democracy, none of which Robert Mugabe, Zimbabwe’s president, seems to care much about.“For blacks throughout Africa Mr Mugabe remains a revered icon of the liberation struggle, the man who helped to fund the ANC in exile, and South Africa will not break with the general African consensus on this.” Would you like to use this article in your publication or on your website? See Using Brand South Africa material.last_img read more

Reusing and Recycling With Toyota Conversations by Tweetmeme

first_img8 Best WordPress Hosting Solutions on the Market Related Posts In the kids book “George Saves the World by Lunchtime”, George saves the world through recycling. His four tips are reduce, repair, reuse and recycle. When Toyota decided to build Toyota Conversations Powered by Tweetmeme, they applied the same approach. The collaboration is about more than simply utilizing a social media tool to reach out to customers. It also allows Toyota to meet business objectives like reducing resources, while at the same supporting customer-friendly initiatives such as transparency and engagement.ReduceSimply by automating the collection of content, Toyota minimizes the number of people, time and level of effort required to run a highly engaging website. No one is needed to create content, no complicated workflow and approval process – no manual push to live. The content is published for the most part by fans and nay-sayers of Toyota alike. This means Toyota staff can concentrate on curation, conversation and engagement.ReuseThe entire site, from front to back, is reusing existing resources. The hardware, software and interface design is developed and delivered by Tweetmeme. The platform existed – Toyota is just tweaked existing data to deliver relevant, real-time content to the press, its customers, its employees – and let’s not forget the competition.RecycleInstead of building from scratch, Toyota is recycling an existing idea and repurposing it for its own needs. As such, the solution was most likely delivered in a quarter of the time (or less) that it would have taken Toyota to build a similar solution. And even if Toyota tried to create the experience from scratch, it most likely couldn’t replicate the Tweetmeme model as it also gained the brains, years of research and development and data management skills of Tweetmeme.Management is RELATIVELY happy as the solution is inexpensive, quick to market, and from a development perspective, generally risk free as it is a proven solution that Tweetmeme will continue to evolve. The data geeks are happy because they have a new toy to play with, while the marketing team is thrilled because they have a platform to view real-time what customers are saying, and respond accordingly.These concepts of reuse, reuse and recycle on the Web are not new, however Tweetmeme example is a solid case study that demonstrates these concepts well. Tags:#marketing#web Why Tech Companies Need Simpler Terms of Servic…center_img elyssa pallai A Web Developer’s New Best Friend is the AI Wai… Top Reasons to Go With Managed WordPress Hostinglast_img read more

Assam tea garden doctor, assaulted following a worker’s death, succumbs to injuries

first_imgAn elderly doctor of a tea estate in Assam’s Jorhat district has succumbed to his injuries allegedly inflicted by garden workers following the death of one of their colleagues who was undergoing treatment at a hospital in the plantation, officials said. The incident occurred at Teok tea estate on Saturday. “The garden doctor, 73-year-old Deben Dutta, was assaulted following the death of one Somra Majhi who was undergoing treatment at the estate’s hospital,” a statement by Jorhat district Deputy Commissioner Roshni Aparanji Korati said.Ms. Korati said that tea garden workers had gheraoed the hospital and Dr. Dutta had to be rescued by the police. He was shifted to Jorhat Medical College and Hospital where he died while undergoing treatment, she said.Probe ordered A magisterial inquiry has been ordered and Additional Deputy Commissioner Subhan Gowalla has been asked to submit a report in seven days, she added. The Deputy Commissioner said follow-up action into the incident has been initiated and the situation was under control. Meanwhile, Assam Valley Consultative Committee of Plantation Associations has condemned the incident. “Mindless and murderous assault perpetrated on the Medical Officer of Teok tea estate while he was on duty in the estate hospital,” it said. The Assam Valley CCPA has demanded strict action against the guilty.last_img read more

Pirates keep slate clean

first_imgBSP sees higher prices in November, but expects stronger peso, low rice costs to put up fight Letran’s Final Four hopes are in peril as the Knights fell to 8-8.The league’s top three teams actually got the job done with San Beda bundling out Emilio Aguinaldo College, 88-51, and Jose Rizal U hammering out a thrilling 60-58 victory over San Sebastian.The Red Lions made it 13 wins in a row, while the Generals dropped out of the Final Four race after losing their 10th game of the season.It was a crucial win for the Bombers as they not only enhanced their hopes of making the next round, but also dealt another Final Four contender a huge blow.ADVERTISEMENT Don’t miss out on the latest news and information. Typhoon Kammuri accelerates, gains strength en route to PH CJ Perez put on another offensive onslaught in the final period as the Pirates turned back the Knights, 81-69, on Friday to move within two games of an elimination round sweep in NCAA Season 93 at Filoil Flying V Centre.Much as he has done for most of the season, Perez put the Pirates on his back when it mattered, scoring 10 of his 24 points in the last quarter as they secured a 16th straight victory.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutout“It’s really fun to watch if you see your players having fun, having fun playing their hearts out, and having fun honoring the game,” said Lyceum coach Topex Robinson.“It’s the inspiration that’s really been there. It was a bit scary when Letran caught up but we know that they are just gonna keep on playing and that’s what makes this group of guys really special.” Read Next Lyceum took Letran’s best punches and still walked away with its perfect record intact.ADVERTISEMENT Frontrow holds fun run to raise funds for young cancer patients  Nonong Araneta re-elected as PFF president Fire hits houses in Mandaluyong City Trump talks impeachment while meeting NCAA athletes PLAY LIST 01:07Trump talks impeachment while meeting NCAA athletes00:50Trending Articles03:06‘Pamana’: Mausoleum caretaker cherishes humble work for family01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Ginebra logs key victory LATEST STORIES Brace for potentially devastating typhoon approaching PH – NDRRMC LOOK: Loisa Andalio, Ronnie Alonte unwind in Amanpulo for 3rd anniversary Fire hits houses in Mandaluyong City For the complete collegiate sports coverage including scores, schedules and stories, visit Inquirer Varsity. MOST READ View commentslast_img read more

10 months agoWillian urging Chelsea to deal in David Luiz

first_imgTagsTransfersAbout the authorPaul VegasShare the loveHave your say Willian urging Chelsea to deal in David Luizby Paul Vegas10 months agoSend to a friendShare the loveWillian is urging Chelsea to offer his fellow Brazilian David Luiz a new deal. Luiz is in a stand-off with the club as they refuse to offer contracts longer than 12 months to players over 30 years of age.Willian said: “David has a lot of quality to do these kind of passes. Of course. I want him to stay. We have to see if the club will want him. I think they want him. For me, I want him to stay.”The Brazil forward also has 18 months left on his Stamford but he said: “I’m fine, I’m fine. No rush about that.“We can talk about that in the future, no problem.” last_img

Ohio State, Notre Dame Set To Meet In Fiesta Bowl

first_imgAn Ohio State player tackling a Notre Dame player.GLENDALE, AZ – JANUARY 01: Wide receiver Chris Brown #2 of the Notre Dame Fighting Irish runs with the football against safety Vonn Bell #11 of the Ohio State Buckeyes (back) and cornerback Eli Apple #13 (front) during the third quarter of the BattleFrog Fiesta Bowl at University of Phoenix Stadium on January 1, 2016 in Glendale, Arizona. The Buckeyes defeated the Fighting Irish 44-28. (Photo by Christian Petersen/Getty Images)Neither Ohio State nor Notre Dame will have a chance to play for a national title this year, but the Buckeyes and the Fighting Irish did still qualify for a New Year’s Six bowl game. Sunday afternoon, ESPN announced that OSU and ND, the No. 7 and No. 8 ranked teams in the country, will play in the Fiesta Bowl on New Year’s Day. The Big Ten’s Rose Bowl bid went to Iowa – the nation’s fifth-ranked team – instead of Ohio State.Regardless, it should be a fantastic contest between two historic programs. In fact, it may be the most intriguing matchup outside the playoff.The Buckeyes and the Fighting Irish are headed to the @BattleFrogUS #FiestaBowl! @OhioStAthletics @NDFootball— Fiesta Bowl (@Fiesta_Bowl) December 6, 2015You can see the entire College Football Playoff rankings here.last_img read more

Burning planned this winter in Site C project areas

first_imgFORT ST. JOHN, B.C. – BC Hydro will be doing their clearing and debris management in various Site C project areas.Merchantable trees of sufficient size, quality and volume that are suitable for harvest will be hauled to local mills. The remaining wood waste may be chipped, mulched, spread as coarse woody debris or burned on site.Burning is expected to take place in the following areas over several months this winter and spring when venting windows are available: Along the Highway 29 realignment area at Halfway River.Along the reservoir on both banks of the Peace River: Moberly River drainage area; lower and eastern reservoir areas (from the dam site to Cache Creek); middle reservoir area (from Cache Creek to Halfway River).At sections of the 75-kilometre transmission line right-of-way between the Site C dam site and the Peace Canyon Dam.At the Portage Mountain and West Pine quarries.Burning takes place during weather periods known as venting windows. These are periods with the right weather conditions to disperse smoke, as set by the Ministry of Environment.BC Hydro and our contractors will plan and monitor burning carefully, including the timing, size and location of the wood piles, and the smoke being emitted. We will comply with regulatory requirements and BC Hydro’s Site C Smoke Management Plan.For more info on Clearing and Debris Management CLICK HERE For more info on Site C Smoke Management CLICK HERElast_img read more