Retail banking across the world, including at credit unions, will see effects and changes brought about due to the coronavirus pandemic. With the loss in foot traffic to physical locations and increased remote work, institutions with well built-out digital channels can continue to provide value and financial resources to their membership.At year-end 2019, before the pandemic hit, brick-and-mortar branches were continuing to grow at credit unions nationwide. Total branch counts increased by 113 over the past year to 21,225 as of December. Coinciding with branch growth, total employee counts also expanded. Total full-time equivalent employees (full-time + ½ part-time) increased 3.6% year-over-year to 316,335. As of December, credit unions nationwide employed 304,247 full-time and 24,176 part-time employees.Growing branch and employee counts have resulted in increased operating expenses. Salary and benefits, which account for 51.4% of total operating expenses at credit unions nationwide, increased 9.8% year-over-year.In line with increasing branch counts and growing technology offerings around the country, office operation expenses increased 7.7% annually to $9.0 billion at year-end 2019. These expenditures account for 18.4% of total operating expense, the second largest portion behind employee compensation. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
WATERLOO — A group of Iowa labor and community organizers is calling for state and federal agencies to boost oversight of factories and meat packing plants.Gayle Warner’s husband has worked at a Whirlpool factory in Amana for 30 years. During an online forum yesterday, she accused the Occupational Health and Safety Administration of failing to ensure the safety of her husband and his co-workers.“I’m filled with anger and sorrow,” Warner said, as she cried. “Instead, I would like to be filled with hope and to get help from our leaders in government.”Black Hawk County Supervisor Chris Schwartz said OSHA guidelines should be better enforced at places like Waterloo’s Tyson plant, as county officials say more than a thousand of the plant’s workers have tested positive for COVID-19 and the outbreak spread through the community.“Things have quieted down a little bit,” he said, “but not enough to the point that we should be relaxing all these measures that the governor did put in place and so we’re very worried about the very real possibility of a second surge, ’cause we’re not even through our first.”Thirty residents of Black Hawk County have died of COVID-19. That’s nearly 10 percent of all the deaths recorded in Iowa. The League of Latin American Citizens is planning a protest Friday at the Tyson plant in Waterloo.
Share on: WhatsApp “Congratulations Pakistan on a really comprehensive victory today. Well played, deserved winners and a great result for Pakistan cricket.”— Former India opener Virender Sehwag @virendersehwag“In the unfathomable history of Pakistan cricket, this is the most unfathomable of all unfathomable cup runs.”— Pakistan cricket writer Kamran Abbasi @KamranAbbasi“Wow wow wow unbelievable performance by team green. It feels like deja’vu after winning the 1992 WCup. I am over the moon #PakistanZindabad”— Pakistan’s highest one-day international wicket-taker Wasim Akram @wasimakramlive“What a story this is. Pakistan were utterly useless a fortnight ago against India. Now they’re irresistible. It’s so fantastically unlikely.”— Cricket writer Lawrence Booth @the_topspin“Inconsistent first class structure .. No home games for 10 yrs .. No expensive Academies .. Now #CHAMPIONS Pakistan … #CT17— Former England captain Michael Vaughan @MichaelVaughan“Congratulations to Team Pakistan on their great performance in winning #CT17 And how wonderful to watch Fakhar’s raw talent in action.”— Pakistan’s 1992 World Cup-winning captain Imran Khan @ImranKhanPTI London, United Kingdom | AFP | How Twitter reacted to Pakistan’s Champions Trophy triumph over rivals India on Sunday:“The biggest thing on display today is @TheRealPCB’s heart. They played with courage and belief. Just an incredible performance by Pakistan.”— Former Sri Lanka star Kumar Sangakkara @KumarSanga2“Brilliant from Pakistan! Embraced aggression, freedom in play. Youth and experience all stood up on the biggest stage! Great scenes.”— Former New Zealand star Brendon McCullum @Bazmccullum“Congratulations @TheRealPCB How good have they been to watch .. thoroughly Deserved it !! Saved the best for last too.. #CT17Well done !!— Ex-Sri Lanka player Russel Arnold @RusselArnold69“I was hoping a team in green and gold would win. Seems there was a mix up in countries though Well done Pakistan, congrats Mickey.”— South Africa fast bowler Dale Steyn @DaleSteyn62“Congratulations @TheRealPCB, the team & the whole country for such a great win.#CT17 Boys you made us happy & proud. Up & above 4rm here!”— Former Pakistan skipper Misbah ul Haq @captainmisbahpk“Congratulations to Pakistan on winning the #ct17 no one gave them a chance, but here they are well deserve Champions.. #PakistanZindabad.”— West Indies star Daren Sammy @darensammy88“Congrats Pakistan on winning #CT2017 you have to be happy for the people of Pakistan who never get to watch international games at home.”— England’s Ravi Bopara @ravibopara
Calling all interior designers: has Darwinism rendered you superfluous? J. Scott Turner thinks so. He wrote a book called The Tinkerer’s Accomplice: How Design Emerges from Life Itself (Harvard, 2007). It was reviewed by Claus Wedekind in last week’s Nature with the title, “The interior designer.” This does not imply that interiors need an exterior designer, but that interiors can design themselves. Wedekind liked the book. The basic idea is that design emerges without help from the tendency for self-organization and self-preservation. Homeostasis is the property living things have to regulate themselves amidst a dynamic environment. Feedback from the environment influences structures such that they self-adapt and co-evolve with the surroundings: these he calls Bernard machines after Claude Bernard, a contemporary of Darwin, “who emphasized the role of homeostasis in physiology.” Turner postulates that homeostasis is a common feature of life, giving rise to self-organizing and self-regulating machines from the level of cells and tissues to structures larger than an organism – or even a community of organisms. Collagen fibers, embryonic tissues, antlers and termite mounds are some of the examples described in the book. Termite mounds “not only capture wind to power ventilation but also regulate its capture.” This makes a termite mound a self-organized, self-regulating structure, “an organ of homeostasis,” the idea goes. Homeostasis and natural selection work hand in hand, according to Turner. He challenges Dobzhansky’s famous dictum that “nothing in biology makes sense apart from evolution,” replacing it with, “no attribute of life, including its evolution, really makes sense unless we view it through a physiological lens.” Designers need not apply, in other words: physiology is the interior designer. The agents of homeostasis “lead, largely by themselves, to the marvellous harmony of structure and function we observe in nature.” How can elaborate structures emerge naturally, though, without intention? Is intention real, or an illusion? This is the question Wedekind asks:This leads to the tantalizing question of whether darwinian evolution can dismiss intentionality. Obviously, creative brains can cope better with an unpredictable world and may have a selective advantage, so creativity and intentionality can evolve and in turn influence evolution. But does it really need a brain like ours to bring intentionality into play? Turner views this question through a physiological lens and develops a picture of a modular brain that could be understood as a kind of ‘climax’ ecosystem with competing and coevolving cells, and with homeostasis as the organizing principle of cognition. He argues that we intentionally design the world when our neural ecosystems generate ideas that then guide our bodies to reshape it. The point is that the brain may be just one example of what Turner calls ‘persistors’ – persistent environments that are created by systems of Bernard machines and that have a process-based form of heritable memory. ‘Darwin machines’ – replicators that have to prove themselves under natural selection – shape evolution in the absence of intentionality. But the author argues that life and evolution happen when Darwin machines act in concert with Bernard machines, which are the agents of homeostasis and can be seen, in their own particular way, as goal-seeking and purposeful. These are the ‘tinkerer’s accomplices’ of the title.Wedekind seemed tickled with Turner’s witty prose. He thinks that, despite its intellectual challenges, the book would give a motivational kick to physiology students. “This important book is for those who search for an understanding of the various forms that life can take and of how life works.” Such understanding serves another function. Wedekind confessed a frustration that lured him to Turner’s thesis for relief:Sharing a broadly accepted idea or philosophical concept comes with a danger: after a period of indulgence in mutual affirmation, it is easy to forget how to effectively defend the concept against a smart and captious critic…. evolutionary biologists can struggle to find their best arguments when challenged by a well-prepared enthusiast of ‘intelligent design’.1Claus Wedekind, “The interior designer,” Nature 446, 375 (22 March 2007) | doi:10.1038/446375a.The Darwin Party heads keep sending out their novice debaters as if they think this puts the intelligent design Visigoths on edge. The Visigoths in the camp outside are wondering, meantime, how such shallow logic could make it into Nature, the DP’s warfare manual. Any undergrad logic student could show how self-refuting this thesis is. The argument makes no sense even if one assumes evolution at the outset. Each example from the living world Turner provides has intelligent design already built into the genetic code, not self-generated out of thin air. And count the number of times mindless entities are personified in the quote above and the entire “interior designer” concept unravels. It’s like we have to keep slapping the hands of the bumbling Darwin Party emissaries and reminding them, “You can’t say that. That word is not in your vocabulary. You can’t plagiarize our ID manual; we won’t let you get away with it.” They never learn. Maybe it’s a strategy; perhaps they believe a million novices can compensate for one philosopher. So with a smile and a snicker under our breath, we send back a greeting card into the Darwin Castle, wishing the best to the newlyweds, the Sorcerer’s Apprentice and the Tinkerer’s Accomplice. Father Charlie and Tinker Bell, surrounded by indulgent guests enjoying mutual affirmation, must be proud parents. They probably hope Little Miss Tinker Bell Jr. will be able to zap the brooms the Apprentice unleashed and bring back order. But we know what’s going to happen. The brooms will douse the wand and carry on, submerging the Castle in a flood of entropy. This makes our work so easy. All we will have to do is mop up when the walls fall down.(Visited 30 times, 1 visits today)FacebookTwitterPinterestSave分享0
View comments Brace for potentially devastating typhoon approaching PH – NDRRMC Don’t miss out on the latest news and information. UPLB exempted from SEA Games class suspension Typhoon Kammuri accelerates, gains strength en route to PH LATEST STORIES WATCH: Streetboys show off slick dance moves in Vhong Navarro’s wedding The 6-foot Seavmey, who enjoyed a big height advantage over Alora, also beat the Filipino in the Asian Olympic Qualifying Tournament last year.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 SEA Games in Calabarzon safe, secure – Solcom chief LOOK: Venues for 2019 SEA Games Kirstie Elaine Alora of the Philippines (red) competes against Sorn Seavmey of Cambodia (blue) in the finals of the women’s -73 kg category of the 29th Southeast Asian Games competition Tuesday at the Kuala Lumpur Convention Center. Alora lost, 6-13. CONTRIBUTED PHOTO/SEA GAMES POOLRio Olympian Kirstie Alora ran into a familiar tormentor and suffered the same fate to settle for silver in the women’s +67kg class in taekwondo in the 2017 Southeast Asian Games Tuesday in Kuala Lumpur, Malaysia.Alora, who was the country’s flag-bearer, fell to Sorn Seavmey of Cambodia, 13-6, in the final.ADVERTISEMENT Catriona Gray spends Thanksgiving by preparing meals for people with illnesses Onyok Velasco see bright future for PH boxing in Olympics PLAY LIST 00:45Onyok Velasco see bright future for PH boxing in Olympics01:27Filipino athletes get grand send-off ahead of SEA Games03:07PH billiards team upbeat about gold medal chances in SEA Games00:50Trending Articles01:35Panelo suggests discounted SEA Games tickets for students02:49World-class track facilities installed at NCC for SEA Games05:25PH boxing team determined to deliver gold medals for PH03:04Filipino athletes share their expectations for 2019 SEA Games02:25PH women’s volleyball team motivated to deliver in front of hometown crowd JRU fends off Mapua, finishes first round with 4th win MOST READ Read Next Kammuri turning to super typhoon less likely but possible — Pagasa
TagsTransfersAbout the authorCarlos VolcanoShare the loveHave your say Real Madrid wing-back Hakimi: Best decision to join Borussia Dortmundby Carlos Volcano10 months agoSend to a friendShare the loveReal Madrid wing-back Achraf Hakimi says his move to Borussia Dortmund has been the best decision of his career.Hakimi is on-loan at BVB this season.He said, “I grew up in the youth clubs of Real Madrid, with whom I did the whole route up to the first team, but I needed to change, I need to grow as a player, gaining more space and achieving new goals as a starter.”In Dortmund everything is going well, I hope it goes on for a long time.”I am very happy to be here. It was not easy to adapt, but now I find myself at ease.”
Chelsea boss Lampard pleased with 2-goal Batshuayi: We need himby Paul Vegasa month agoSend to a friendShare the loveChelsea boss Frank Lampard was pleased with striker Michy Batshuayi for his two goals in their Carabao Cup win over Grimsby.The Blues ran out 7-1 winners to set up a round of 16 tie with Manchester United.Lampard said, “He has worked hard and trained well. He came on at Wolves and made an impact, came on against Liverpool and nearly made an impact and that is great for me when you give a message and someone shows they can train daily and improve there. “Michy has talent, he can hold the ball up and use both feet and can score goals, and he is important for us. He got his chance and scored goals tonight which is good because we need options up front.” About the authorPaul VegasShare the loveHave your say
Dozens of stars from TV, sports, music and film will ante up and bet big to support talented young cancer researchers and change the future of cancer at Tower Cancer Research Foundation’s (Tower) 3rd Annual Ante Up for a Cancer Free Generation Poker Tournament and Casino Night on Saturday, June 4, 2016 at the Sofitel Hotel, Riviera 31, 8555 Beverly Blvd, Los Angeles, CA 90048.Samantha Harris, host of Entertainment Tonight, and former host of Dancing with the Stars, who is a breast cancer survivor, will be honored with the inaugural Cancer Free Generation Mission Award. Red carpet arrivals begin at 6:00 PM PDT.The evening will honor Samantha Harris, breast cancer survivor and host of Entertainment Tonight, and longtime former co-host of Dancing with the Stars. The event has attracted the support of numerous celebrities who are expected to attend including rock icon Gene Simmons of KISS, Brad Garrett (Everybody Loves Raymond), Joey McIntyre (New Kids On The Block), Jesse Spencer (Chicago Fire), Carl Weathers (Rocky), Gilles Marini (Sex and the City, Dancing with the Stars), Mekhi Phifer (ER/Torchwood: Miracle Day/White Collar), Samuel Hunt (Chicago PD), Sophie Tweed-Simmons (Gene Simmons Family Jewels), Tig Nataro (Comedian), Tito Ortiz (MMA/UFC Champion), Jason Collins (retired NBA player), Tony Denison (Major Crimes), WWE/E! Total Divas Maryse Ouellette and Eva Marie, Frank Kramer (The Heidi & Frank Show/ Dish Nation).Cancer Free Generation (CFG) is the young leadership division of Tower Cancer Research Foundation. CFG seeks to identify, among their peers in the Southern California region, visionary and innovative doctors, medical professionals and researchers and enable them to discover and implement new ideas and techniques to conquer cancer. Additionally, CFG’s efforts support young people and their families who have been impacted by cancer, so that they may approach life with renewed strength and optimism. With this dual approach, CFG’s goal is to help ensure that the next generation becomes the first cancer free generation. CFG’s executive committee consists of young professionals working in a variety of fields including finance, law, real estate, entertainment, and medicine. Many members of CFG’s leadership are, themselves, young cancer survivors. Their common vision is the desire to build a more inspired community via connecting fascinating and passionate young people who make a difference in the world.Top prizes include a seat in the PokerStars Caribbean Adventure Main Event, January 2017 in the Bahamas; 5-Night Stay at the Trump Hotel Waikiki Hawaii; and a 3-Night Stay for Two at the Hilton Los Cabos.Tickets may be purchased at the Tower website or by calling 310.299.8477.
NEW YORK, N.Y. – Cracking down on hate, abuse and online trolls is also hurting Twitter’s standing with investors.The company’s stock plunged Friday after it reported a decline in its monthly users and warned that the number could fall further in the coming months. The 20.5 per cent plunge comes one day after Facebook lost 19 per cent of its value in a single day.Twitter says it’s putting the long-term stability of its platform above user growth. That leaves investors seemingly unable to value what the biggest companies in the sector, which rely on their potential user reach, are worth.Twitter had 335 million monthly users in the quarter, below the 339 million Wall Street was expecting, and down slightly from 336 million in the first quarter. That overshadowed a strong monthly user growth of 3 per cent compared with the previous year.The company said its monthly user number could continue to fall in the “mid-single-digit millions” in the third quarter.While Friday was Twitter’s second-worst loss since it went public in November 2013, the stock has still doubled in value over the last 12 months.Long criticized for allowing bad behaviour to run rampant on its platform, Twitter has begun to crack down, banning accounts that violate its terms and making others less visible.Twitter is now attempting to rein in the worst offenders after years as one of the Wild West corners of the internet.At the same time, it must convince people it’s the go-to platform in social media, even though it is dwarfed right now by Facebook.Facebook has more than 2.23 billion users while its apps WhatsApp, Instagram and Messenger each have over 1 billion.Twitter on Friday reiterated its efforts to “to invest in improving the health of the public conversation” on its platform, making the “long-term health” of its service a priority over short-term metrics such as user numbers.As part of these efforts, Twitter said that as of May, its systems identified and challenged more than 9 million accounts per week that are potentially spam or automated, up from 6.4 million in December 2017. The company has previously disclosed these numbers.A Washington Post report put the total number of suspended accounts in May and June at 70 million. The Associated Press also found that Twitter suspended 56 million such accounts in the last quarter of 2017. While Twitter maintains that most of these accounts were dormant and thus not counted in the monthly user figure, the company also warned that its cleanup efforts could affect its counted user base without giving specific numbers.“We want people to feel safe freely expressing themselves and have launched new tools to address problem behaviours that distort and distract from the public conversation,” CEO Jack Dorsey said in a prepared statement.Twitter’s market value dropped by more than $6 billion Friday, to around $26 billion. Investors still value Facebook at $503 billion. Facebook lost $119 billion in value on Thursday.Twitter’s second-quarter net income hit $100.1 million, after a loss last year during the same period. It’s the company’s third profit in a row, the third it has ever posted.Per-share, the San Francisco company’s net income was 13 cents, or 17 cents adjusted, in line with expectations, according to a poll by Zacks Investment Research.Revenue of $710.5 million, up 24 per cent and edging out expectations of $696 million._____Elements of this story were generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on TWTR at https://www.zacks.com/ap/TWTR
LONDON – The trade body representing British music warned Thursday that the industry’s financial fortunes, currently sky-high as a result of the popularity of the likes of Ed Sheeran, could be damaged in the event of a “bad Brexit deal.”The BPI, which has been championing the interests of big players such as Sony Music U.K. as well as more than 400 independent music companies for decades, said a failure to strike an adequate deal would prevent the industry becoming an “international calling card” in a post-Brexit world.“With Brexit approaching, music can help to showcase what is exciting about the U.K. as we forge new trading relationships, but only if our government supports us by ensuring a strong Brexit deal that enables artists to tour freely, robustly protects music rights, and prevents physical music products being impeded in transit,” said Geoff Taylor, the chief executive of BPI.Taylor’s warning came as the BPI reported booming British music exports last year, when they rose 12 per cent to 408.4 million pounds ($530 million). That’s the highest level since records began 18 years ago and means the total generated since 2000 is over 5 billion pounds.The BPI said U.K. artists accounted for one in every eight albums globally in 2017. And the world’s bestselling album was British in nine of the past thirteen years, most recently with Ed Sheeran’s “Divide.” Other British success stories in 2017 were Rag’n’Bone Man, whose debut album “Human” came in fourth, and Sam Smith’s “The Thrill of it All” at five.Revenue growth was particularly strong across Europe, up 29 per cent since 2015, with France doing particularly well. Europe remains the U.K.’s biggest export market for music, though the United States is the single biggest national market by a significant margin, accounting for more than 35 per cent of U.K. music earnings. Exports to China were also strong in 2017.Buoyant sales in Europe highlight the fact that British exporters are in a so-called “sweet spot” at the moment — British exporters have been able to benefit from the 15 per cent or so fall in the pound following the Brexit vote in June 2016 while still having full and unimpeded access to the European single market.With less than 30 weeks to go to Brexit, it’s still unclear how Britain will trade with the other 27 countries in the EU. Both sides have said they want to maintain smooth trade but the EU has insisted that Britain cannot continue to have the same sort of tariff-less access as it enjoys now if it doesn’t abide by the rules governing the single market, including the freedom of movement for people.