Fonseka’s Democratic Party and the UNP reached an agreement last week to work together.The former Army Commander contested the last Parliamentary election but failed to secure enough votes to enter Parliament. (Colombo Gazette) The United National Party (UNP) today unanimously agreed to give Field Marshal Sarath Fonseka the vacant UNP National List seat in Parliament.The decision was taken when the UNP Working Committee met this evening to decide on the National List seat left vacant following the demise of M.K.D.S. Gunawardena.
Details related to telephone conversations made between the UNP members and Arjun Aloysius were submitted to the Presidential Commission. (Colombo Gazette) Several United National Party (UNP) members of the Committee On Public Enterprises (COPE) had spoken to businessman Arjun Aloysius when his company, Perpetual Treasuries, was being investigated by COPE over the treasury bond scam.The revelation was made at the Presidential Commission investigating the alleged bond scam.
“The situation in Yemen remains fragile and many tasks lie ahead for the transition to succeed, and the risk for the violence to be averted. We must remain attentive to the continued attempt to obstruct the transition,” the UN Special Envoy for Yemen, Jamal Benomar, told journalists yesterday following a closed-door briefing to the Council.“While progress has been made and the transition remains largely on track, it is clear that there has been active resistance to the transition,” Mr. Benomar said, adding that “it is clear to whom these are attributable to.”The Council’s visit to Yemen last month, led by Ambassadors Mark Lyall Grant of the United Kingdom and Mohammed Loulichki of Morocco, was aimed at assessing progress in the political transition, and included talks with high-level political and military officials, as well as the UN Country Team.Yemen has been undergoing a democratic transition, with a Government of National Unity under the leadership of President Abdrabuh Mansour Hadi, who came to power in an election in February 2012 following protests that led to the resignation of former President Ali Abdullah Saleh.As part of the transition, Yemen is due to hold an all-inclusive national dialogue that will feed into a constitution-making progress, and pave the way for general elections to be held in 2014. Since the Council visit, Mr. Hadi announced that the dialogue would begin on 18 March.In his briefing, Mr. Benomar – who has made 18 visits to Yemen – reiterated that in addition to the political challenges, Yemenis face a humanitarian crisis. “I told the Council that while the bleeding has stopped on the economic contraction, Yemenis are still waiting to see tangible improvements in their daily lives. The Government needs to accelerate the establishment of a mechanism to absorb donor-funded programmes and the donors in return need to fulfil their commitments,” he said. The 2013 Yemen Humanitarian Response Plan urgently requires $716 million in order to provide emergency and early recovery assistance to 7.7 million of the country’s most needy – a 22 per cent increase in funding requirements compared with the 2012 response plan.The Council’s visit came as a ship containing weapons was seized in Yemeni waters. The Yemeni Government has requested the UN sanctions committee to investigate.“What I told the Council is that Yemen is awash with arms, light weapons, heavy weapons are available to private citizens and groups, and it is in this context that I talked about the ship and the shipment of arms,” Mr. Benomar said in response to journalists’ questions about the matter.“The Government made a request to the sanctions committee for a full investigation and this has been discussed by members of the Council, they will establish the facts on what happened, where the shipment came from, etc.”
All 16 teams for the VELUX EHF Champions League Groups A and B and further 10 sides for Groups C and D have been confirmed as the EHF Executive Committee in Vienna reached its decision on the teams taking part in the 2016/17 season.The draw for the qualification phase will take place on Wednesday 29 June at 13:00 hrs at the EHF Office in Vienna and will be streamed on Facebook live.The group phase draw will follow on Friday 1 July at 13:00 hrs in Glostrup, Denmark and handball fans will be able to watch the event live on ehfTV.com.A draw preview and the seeding list with pots will be published at the beginning of the coming week at eurohandball.com and ehfCL.com.VELUX EHF Champions League 2016/17Groups A&BTelekom Veszprem (HUN)Rhein-Neckar Löwen (GER)FC Barcelona Lassa (ESP)KS Vive Tauron Kielce (POL)Paris Saint Germain HB (FRA)HC Vardar (MKD)HC PPD Zagreb (CRO)Bjerringbro-Silkeborg (DEN)HC Meshkov Brest (BLR)RK Celje Pivovarna Lasko (SLO)Kadetten Schaffhausen (SUI)IFK Kristianstad (SWE)SG Flensburg-Handewitt (GER)MOL-Pick Szeged (HUN)THW Kiel (GER)Orlen Wisla Plock (POL)Groups C&DNaturhouse La Rioja (ESP)HC Motor Zaporozhye (UKR)Chekhovskie Medvedi (RUS)Besiktas MOGAZ HT (TUR)Dinamo Bucuresti (ROU)Elverum HH (NOR)Montpellier HB (FRA)HC Metalurg (MKD)Team Tvis Holstebro (DEN)HBC Nantes (FRA)Qualifier Group 1Qualifier Group 2Qualification Groups 1&2ABC/UMinho (POR)Tatran Presov (SVK)Red Boys Differdange (LUX)Achilles Bocholt (BEL)Cocks (FIN)Maccabi Castro Tel Aviv (ISR)Gorenje Velenje (SLO)Bregenz Handball (AUT)PHOTO: Filip Viranovski, gol.mk ← Previous Story Interesting draw for France 2017 Next Story → Novi Sad host top European EBT tournament
Everything else that’s happening the SeanadThe Seanad starts its day with the Order of Business at 2.30pm. Then at 3.45pm Senators consider the bill to transfer responsibility for water provision to Irish Water with Minister of State Fergus O’Dowd taking committee stage.Then its Matters on the Adjournment before the upper house itself adjourns.Everything else that’s happening in the CommitteesHow do we develop a plan to capture the full value of our genealogical heritage? That’s what the Environment, Culture and Gaeltacht Committee will be considering at a meeting in Room 4 at 2.15pm with representatives from the Genealogical Society, the Association of Professional Genealogists in Ireland and others.Minister of State for European Affairs, Paschal Donohoe, pops into Room 1 at 2pm to update members of the EU Affairs Committee on the forthcoming Council of Ministers meeting and to the recently-announced review of Irish Foreign Policy.Representatives from Bord Iascaigh Mhara will update the Fisheries sub-committee on Fisheries Local Action Groups or FLAGs as they are known in Room 3 at 2pm.The Health Committee will scrutinise a number of EU legislative proposals including one on medical devices and another on regulating the price of drugs with the Department of Health and the Irish Medicines Board in Room 2 at 5.15pm.The Jobs Committee meets in Room 2 at 1.30pm to discuss several EU legislative proposals including one concerning disclosure of non-financial and diversity information by big companies and another on guidelines for employment policies of EU member states.Here’s how to watch what’s going on in Leinster House todayDáil ÉireannSeanad ÉireannCommittee Room 1Committee Room 2Committee Room 3Committee Room 4To access streams on iOS, click here WHAT’S GOING ON in Leinster House?Every day the Dáil and Seanad are sitting, TheJournal.ie brings you the most comprehensive guide to what our lawmakers are getting up to in the Houses of the Oireachtas.So, here is what we can expect to be happening in the Dáil, Seanad and Committee rooms today…3 things we’ll be keeping an eye on Dáil: Nelson Mandela – TDs will make statements on the death of Nelson Mandela for up to 50 minutes at around 5pm.Dáil: Bethany Home – The government’s decision not to provide a specific redress scheme for survivors of the Bethany Home comes under scrutiny as Sinn Féin’s motion calling for an apology and redress is debated from 7.30pm. Everything else that’s happening in the DáilWith the gardaí in the news quite a bit recently we’ll be keeping an eye on the Justice Minister Alan Shatter’s answers to questions on his portfolio from 2pm.The Taoiseach answers pre-submitted questions at 3.36pm or a little after that before the Order of Business at 4.36pm.After statements on Mandela, it’s Topical Issues and then a number of motions including the order for the final stages of the bill which changes levies and tax reliefs for health insurance.After Sinn Féin’s private member’s business, the Dáil adjourns at 9pm. Dáil: Leaders’ Questions – Back from his Asian adventure, Taoiseach Enda Kenny takes questions from leaders of the opposition parties at 3.15pm. Like politics? Then why not ‘Like’ TheJournal.ie’s Politics page?Explainer: How does a Bill become a law?
It’s pretty obvious what the Nintendo 3DS’s defining feature is: 3D. It’s the one thing that truly sets it apart from all the competition out there: the iPhone, the PSP, the Xbox 360, even the Wii. There simply aren’t any other 3D game consoles out there, and that’s a huge strength.Unfortunately, it’s also a weakness. While the Nintendo 3DS’s glasses-free 3D is undeniably impressive, there’s a sizable portion of gamers who can’t actually see it because of eye problems. There’s also a chunk of gamers who think it’s a gimmick. Finally, there’s the battery life costs of 3D, which have meant that the 3DS only gets between three to five hours of gaming per charge…. usually closer to 3 with the 3D on.Nintendo seems to be aware that a lot of people just aren’t going to want to play 3DS games in 3D. Nintendo’s Hideki Konno, who is one of Nintendo’s veteran producers, has just said that they’ve made it clear to developers that all games should be playable in 2D… and that no game should require 3D as part of its gameplay mechanics.In other words, Nintendo’s wimping out. It’s disappointing, actually: it’s as if Nintendo came along after they debuted the DS and said that no game should require using both screens. Think about how different, how boring, how completely gimped of the platform’s possibilities the DS gaming library would have looked like if they’d done that.There’s no difference here. Sure, 3D’s not going to work with everyone, but by not embracing the one truly distinct thing the console can do and telling gameplay developers to build their games around it, Nintendo’s hobbling their handheld’s potential. That might have been okay a few years ago, but with Apple soundly taking over Nintendo’s marketshare, Nintendo needs to be bold if it’s not going to go extinct.Read more at Wired
Datacenters use a lot of energy to power the thousands of servers they each contain. But a significant proportion of that cost comes from actually keeping those servers cool. To minimize the costs of cooling, novel approaches have been taken such as reusing the waste heat, running entire datacenters very hot, or even building a datacenter 60 miles south of the Arctic Circle.Leeds University has figured out how to bypass such extreme measures, however, by coming up with a new way of cooling servers in a liquid. So efficient is this so-called wet server, it can cut the cost of energy consumption related to cooling by up to 97 percent.Typical air cooling systems require a lot of energy because the air has to be cooled first, then pumped into each server using fans. You also need to keep the environment the servers are placed in cool, too. The research team at the university replaced air cooling by submerging all the components inside a server module in liquid. This is no ordinary liquid, though. It’s a coolant called 3M Novec that doesn’t conduct electricity.The new system is called the Iceotope Platform and actually relies on three different liquid coolants to function. A typical Iceotope rack can hold up to 48 hot-swappable server modules. Each module is a self contained unit holding the server components submerged in the 3M Novec liquid. The rack then has water pumped up and cascaded down over the modules to draw the heat away from them. That water doesn’t need to be cooled first. A third coolant is then used external to the rack, which dissipates the heat away through a heat exchanger system. In the case of the university Iceotope platform, they use this coolant to heat the room through radiators.The only power required in this liquid cooling system is for the pumps that move the second and third coolants around, which are both low power units drawing a maximum of 80 watts. And as these are completely self-contained units it doesn’t matter what environment you put them in. It could be a very hot location and it wouldn’t negatively impact the system. One final benefit is a huge reduction in noise as there’s no fans used in the systemThe liquid-cooled servers are being offered through the company Iceotope in a range of configurations. Due to the power savings and removal of the need for specialized facilities for handling cooling, Iceotope is sure to prove very popular and allow datacenters to start popping up in many more locations around the world.
Wednesday 27 Jun 2018, 4:50 PM By Hayley Halpin http://jrnl.ie/4095353 Share8 Tweet Email Tweet thisShare on FacebookEmail this article No Comments Image: Marian Weyo Jun 27th 2018, 4:51 PM EVERY WEEKDAY EVENING, TheJournal.ie brings you the five biggest stories of the day.1. #COURT: A High Court judge will deliver his ruling on Friday on whether bail will be granted to a 13-year-old boy accused of the murder of Ana Kriegel.2. #CHURCH: Taoiseach Leo Varadkar has said that while he would be in favour of female Catholic priests, he strongly believes in the separation of Church and State.3. #PRICE HIKE: Electric Ireland has announced today that it is increasing its residential electricity prices and residential gas prices from 1 August.4. #FACEBOOK: It was announced today that Facebook will distribute alerts on the newsfeeds of Irish users when a child has been abducted and gardaí believe they at serious risk.5. #SILK ROAD: The Supreme Court has cleared the way for the extradition to the United States of a Wicklow man, alleged to be an administrator of the Silk Road website which dealt with illegal drugs and hacking software. Image: Marian Weyo The 5 at 5: Wednesday Five minutes, five stories, five o’clock… Short URL 5,596 Views
Caught on Camera: Copperhead Snakes Mate on Bike TrailRare Two-Headed Timber Rattlesnake Spotted in New Jersey “Rough way to start the day,” the Meade County Rural Electric Cooperative wrote on Facebook. “Snake causes power outage in Brandenburg area.”Facebook users made cheeky comments about the snake incident.“Now he’s more of an electric eel lol,” one user wrote.Another replied, “Looks like the snake was after what might have been in a bird’s nest. Yikes. That’s a big snake.”It’s unclear what kind of snake was trapped inside the transformer or how it ended up there, however, it was safely removed from the scene. The Meade County Rural Electric Cooperative said the power was back up for residents on Friday.More on Geek.com:Watch: ‘Dancing’ Timber Rattlesnakes Discovered By Tennessee HikerBrown Snake ‘Photobombs’ Alabama Girl’s Back-to-School PictureWatch: Reptile Sanctuary Discovers Snake Swallowing Its Own Tail Stay on target A sneaky snake slithered inside a transformer and caused a power outage in a Kentucky neighborhood on Thursday, leaving many residents without electricity for roughly 24 hours.Crews with the Meade County Rural Electric Cooperative discovered the snake on Thursday morning, Wave 3 News reported. The Meade County Rural Electric Cooperative shared a picture of the reptile in a Facebook post, and the serpent looks very cozy inside the wired space.
Facebook Twitter Google+LinkedInPinterestWhatsApp Facebook Twitter Google+LinkedInPinterestWhatsAppProvidenciales, 15 Jun 2015 – Digicel announced a re-launch last week of its My Digicel App which will allow its customers to access social media newsfeeds, work as a customer feedback portal and gives those who download the ability to have mobile management of their accounts. There is a new look to the My Digicel App according to Digicel Group Chief Commercial Officer, Claudio Hidalgo, who also said; “We are excited to be introducing our newly-designed My Digicel App that makes it easier for customers to access all of our services free of cost at any time using their smartphones. The new app boasts all the great features that customers have come to know and love, as well as a host of new ones such as sending credit to friends and family at home and abroad and accessing Digicel’s social media newsfeeds for the latest updates.” With the new app you can send top ups to phones locally and internationally and select various plans, 24 hours a day. Related Items:Claudio Hidalgo, my digicel app, smartphones
MIAMI INTERNATIONAL AIRPORT, FLA. (WSVN) – A South Florida organization is sending more lifesaving supplies to parts of Haiti hit hardest by Hurricane Matthew.The disaster relief organization, Airlink, once again loaded goods onto a charter plane at Miami International Airport, Tuesday.The plane was packed with more than 159,000 pounds of donated supplies.“This is our second flight,” said the executive director for Airlink, Steve Smith. “Altogether we’ve probably sent more than 200,000 pounds of cargo into Haiti now, and that’s fully funded by Airlink, and with great support from many supporters and donors.”The category four storm wiped out homes, crops and livestock on the island nation last month.Hundreds of people were killed and tens of thousands were left homeless.Copyright 2019 Sunbeam Television Corp. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
In February of last year, Kenai and Soldotna joined Anchorage, Fairbanks, North Pole, Fort Greely, Juneau, Palmer and Wasilla as the eighth and ninth Alaska communities to get access to GCI’s one-gigabit-per-second internet speeds through 1 GIG red. According to Handyside, in the past 40 years since GCI started in Alaska the company has invested about $3 billion in network expansion statewide, including about $121 million in the Kenai Peninsula. The current project is estimated to cost roughly $6.3 million. Mary Hart, Vice President of South Central and Western Regions for GCI, spoke about the progress GCI has made since it started in Alaska 40 years ago: Audio PlayerMARRY-ON-GCI-EXPANSION-1-32918.mp3VmMARRY-ON-GCI-EXPANSION-1-32918.mp300:00RPd“Today, even in Kenai/Soldotna area in Seward and now even Homer, if we are just talking on the Peninsula here, we are offering a 1 gig internet service when back then in the equal access days we were just trying to become a long distance carrier.” Facebook0TwitterEmailPrintFriendly分享GCI presented the remaining plans of their two-year expansion project to improve service on the Kenai Peninsula at a joint Kenai/Soldotna Chamber of Commerce Luncheon on Wednesday, March 28. The plans include updates on 39 towers in the Kenai Peninsula area, installing new hardware and changing frequencies, and updates to the current infrastructure. GCI remains one of the largest telecommunications providers in Alaska. Heather Handyside, GCI’s Director of Corporate Communications: Audio PlayerHEATHER-ON-GCI-EXPANSION-2-32918.mp3VmHEATHER-ON-GCI-EXPANSION-2-32918.mp300:00RPd“Ron Duncan and the leadership of our company they’re very forwarded thinking and always trying to develop ways to bring new technology to Alaska.”
India’s prime minister Narendra Modi delivers the keynote address at the IISS Shangri-la Dialogue in Singapore on 1 June. Photo: ReutersAlmost lost in the din of the upcoming US-North Korea summit and fresh tension between Washington and Beijing last week, India cemented its diplomatic and security ties across Southeast Asia in a clear challenge to China.It’s not clear just how far New Delhi will take these relationships, given years of promise, and a general election due in 11 months that could be a distraction for prime minister Narendra Modi. And if India is already rattling China, it won’t want to spark open confrontation.But Modi took several concrete foreign policy and security steps in Southeast Asia in recent days.He signed an agreement with Indonesia to develop a port in the city of Sabang that would overlook the western entrance to the Strait of Malacca, one of the world’s busiest waterways, and agreed a pact with Singapore on logistical support for naval ships, submarines and military aircraft during visits.Modi also flew to Kuala Lumpur for a late-scheduled call on Malaysian Prime Minister Mahathir Mohamad, who won last month’s general election, effectively cementing ties with three of the most influential Southeast Asian nations.On Friday, Modi told the Shangri-La Dialogue in Singapore, Asia’s premier defence forum, that India would work with the Association of South East Asian Nations (ASEAN) to promote a rules-based order in the Indo-Pacific region.“We will work with them, individually or in formats of three or more, for a stable and peaceful region,” he said in the keynote speech at the forum.Several delegates, including US. Defence Secretary Jim Mattis, voiced support.At the end of the forum on Sunday, Singapore defence minister Ng Eng Hen said: “I am sure many countries are delighted that India has indicated its firm commitment to the region.”China CoolThe term “Indo-Pacific” has grown in usage across diplomatic and security circles in the United States, Australia, India and Japan in recent years, shorthand for a broader and democratic-led region in place of “Asia-Pacific”, which some people have said places China too firmly at the centre.In a nod to India’s growing regional stature, the US. military’s Pacific Command in Hawaii formally changed its name to the US. Indo-Pacific Command in a ceremony on Wednesday.Despite an outward show of friendship between China and India, and Modi’s comments about the strong relations between them, Beijing gave a distinctly cool response to his strategy.The state-owned Global Times warned in an editorial last week: “If India really seeks military access to the strategic island of Sabang, it might wrongfully entrap itself into a strategic competition with China and eventually burn its own fingers.”Senior colonel Zhao Xiaozhou, research fellow at the Institute of War Studies Academy of Military Sciences of the People’s Liberation Army, told reporters on the sidelines of the Shangri-La Dialogue that Modi “made some dedicated comments on what he thought of the Indo-Pacific concept”.He did not elaborate but the Global Times quoted him as saying: “The Indo-Pacific strategy, and the quasi-alliance between the US, Japan, India and Australia will not last long.”Wider FootprintIndian foreign ministry officials said there was a strong element of self-interest in New Delhi’s efforts to secure open access to the Malacca Strait, since it carries about 60 per cent of its foreign trade.But India’s intended footprint looks to be wider. Late last month, three Indian warships staged exercises with the Vietnamese navy for the first time in the South China Sea, which is claimed almost wholly by China.Vietnamese submariners are trained in India, while the two sides have significantly increased intelligence sharing and are exploring advanced weapons sales.To the west, India signed an agreement for access to the port of Duqm on Oman’s southern coast, during a visit by Modi earlier this year. Under the agreement, media reports said, the Indian navy will be able to use the port for logistics and support, allowing it to sustain long-term operations in the western Indian Ocean.In January, India finalised a logistics exchange arrangement with France under which it can use French military facilities in the Indian Ocean.Analysts said a more assertive India would answer concerns in Southeast Asia about expanding Chinese influence in the region and a fear that the United States was disengaging.The United States’ trade spat with China and a perceived U-turn in its foreign policy as it pursues peace with North Korea had shaken many assumptions in the region, they said.“There is some pressure (in ASEAN) for diversification of security relationships, taking insurances,” said C Raja Mohan, director of the Institute of South Asian Studies at the National University of Singapore.“An active India then actually fits into this situation.”But although Modi has started strongly, it was not clear how well his strategy would be sustained, he added.“Implementation has always been a major challenge for India. (Modi is) struggling to improve the capacity of Delhi to do things outside borders. There’s been some advance but that is a structural challenge that will remain.”
Rivers’ boring beats Mahomes’ flashWhile the entire NFL world has been buzzing over Pat Mahomes incredible viral highlights and eye-popping arm strength, Philip Rivers has put together an MVP caliber season with next to no headlines.Rivers may not generate clicks like Mahomes, but in last night’s Thursday Night Football showdown he was the better quarterback, and carried his shorthanded team to a massive road win, including making the throw of the NFL season on a crucial 4th quarter 4th down. Mahomes is a great talent, but too many people have fallen to had and fast for him and overlook that he’s come up short in his three biggest games this year. Rivers may be boring in comparison, but he’s on another level when it comes to playing QB in the NFL. It’s not close. Also:– Patriots/Steelers isn’t a rivalry– Kuzma is clearly LeBron’s #2– Colin’s NFL Week 15 Blazin’ 5 picksGuests:Eric Dickerson – FS! NFL Analyst and Pro football HOF’er; Derrick Johnson – FORMER Chiefs’ Pro Bowl Linebacker; Chris Broussard – FS1 NBA Analyst; Jason McIntyre – FS1 Cpntributor and founder of The Big Lead
Editor’s note: This feature originally appeared in the February issue of MReport, out now.There are significant changes taking place to mortgage lending rules. To proactively stay informed of the changes, be in compliance, and remain competitive it will be important for both bank and nonbank lenders to embrace leading-edge technology solutions that are based on artificial intelligence (AI) technology for processing loans and maintaining compliance. Using both AI and machine learning (ML) can help lenders process more mortgages in less time while conforming with all of the federal, state, and other rules.Mortgage Rules Are on the RiseAfter the 2008 housing crisis, government-sponsored entities (GSEs) such as Freddie Mac and Fannie Mae enacted a set of standard rules that must be followed when processing a loan. There are also state and local rules with which lenders need to comply, and government-backed and Veteran Administration (VA) loans also have specific rules.Additionally, the Home Mortgage Disclosure Act (HMDA), originally enacted by Congress in 1975, was updated with changes that were signed into law by the president on May 24, 2018.For HMDA, 47 different data points need to be monitored for key documentation in a loan package. It is essential to identify the new critical data points required and take action to provide the additional HMDA data, or you could face fines by the CFPB. Keeping up to date and compliant with HMDA should be a priority for lenders in 2019 and beyond.In a tight mortgage market, there are naturally fewer mortgage loan applications. To stay competitive and profitable, the industry is responding to this lack of loans by offering different, non-traditional products to try to generate revenue. Examples include home equity lines of credit (HELOCs) and non-qualified mortgages (non-QM). These products have their own unique set of rules, which again increases the overall number of rules that a lender needs to be aware of and meet for compliance purposes.The bottom line is that there are more rules today, which adds complexity to loan processing and makes compliance more challenging.Accelerating Loan Processing (and Rules Processing) with AIHow can lenders stay on top of all these rules? Using AI and ML can help automate a significant amount of mortgage loan processing, which includes rules processing and compliance. This not only creates a faster system, but a more accurate one that can help reduce errors and improve compliance. AI allows much of the work that was previously done manually to now be automated, including reading through hundreds of loan documents and verifying information against the particular set of rules for that loan.With ML, rules can be preloaded into the system and “learned” in advance. When new loan documents are entered into the system to begin processing a mortgage, it will use vision-based learning technology that scans the documents, collects the right information, and then matches it against the correct set of rules for that loan for verification. The system will know to check and verify for only the specific set of rules that apply to the loan that is being processed.As the AI-based system identifies missing information and errors, it can organize and classify documents by error level, identifying and isolating all of the risks. And, lenders can classify documents as “accepted” or “denied,” and then organize the denied documents based on why they have been denied. This allows lenders to prioritize their efforts for correcting errors and gathering additional information. All of this helps lenders in their efforts to comply with federal, state, HMDA, and other rules.The Benefits of AI— Speed, Accuracy, Customer ServiceOne key benefit to implementing AI is how fast all of this processing, verification, and classification can be done. There are more than 600 rules that could apply to a loan, so from a volume and capacity standpoint, there is a significant advantage to automating loan and rules processing. In addition to speed, accuracy is also important. Having a human read through hundreds of documents can lead to fatigue, which opens up the potential for errors. These errors could lead to compliance issues—and fines—so it is important to be as accurate as possible. AI technology can run on a near constant basis without fatigue, so there are advantages to deploying this technology when processing loans and the rules associated with them.Improved speed and accuracy can lead to other benefits too. First, productivity increases—lenders can process more loans in less time, which ultimately reduces costs. Together, all of this can give lenders a competitive advantage— you can compete more effectively against other companies that are not using AI technology. Being able to process loans faster and more accurately will make your organization a more attractive lender, which will help you to win more business in today’s highly competitive mortgage market.And when the compliance process can be done faster—both the verification of what is correct and identification of errors or missing information—it helps all of the different parties involved in the mortgage process. This includes the borrowers, who do not want to wait for a week to find out if all of their loan application documents are correct or if they need to provide more information. Having this process happen more quickly reduces customer frustration and improves satisfaction. Creating a better experience for buyers is the most critical aspect of customer service and can help lenders generate repeat business and referrals.A faster, better buying experience is especially crucial for millennials, who make up a significant portion of today’s home buying population. According to the National Association of Realtors 2018 Home Buyer and Seller Generational Trends Report, buyers aged 37 years and younger (millennials and Gen-Y) continue to be the largest generational group, making up 34 percent of all homebuyers. The study also notes that millennials have been the most active homebuyers for the last five years in a row. These numbers could continue to rise as the overall millennial population grows. According to population projections from the U.S. Census Bureau, millennials are expected to surpass baby boomers in 2019 as their numbers increase to 73 million people.This age group, which has grown up using technology and continues to use it heavily for personal and professional purposes, wants a faster, more “retail-like,” digital experience from lenders, similar to other services that they buy. When they shop for a mortgage, their first instinct is not to call a real estate agent but to search online. Millennials are comparison shoppers, and speed and ease-of-use are important criteria for them in nearly everything that they purchase.Having the ability to offer a seamless, all-digital experience that can process loans quickly is important to attracting and retaining the millennial home buying market. And, being able to process a loan even one-two days faster than another lender can make a big difference on who they select for a mortgage. In addition, millennials are quick to share their buying experiences (both good and bad) using social media, which can either help build a lender’s business or damage their reputation. Positive peer reviews are important to this group, so it is vital to create a positive experience for buyers that may be quick to share their opinions of a mortgage lender online.AI also provides analytics tools that can help organizations optimize business operations. For example, you can determine the number of loans that your company is processing over time, enabling you to do forecasting that can help project future revenue and what resources will be required. Also, once a loan enters the system, lenders can determine the probability of that loan closing, and approximately how long the process will take. This gives the lender more predictability in its revenue stream.How is AI Being Used Today?Most companies have historically processed loans and rules manually, which is a prolonged, time-consuming process. Today, about 30-40 percent of vendors are still using this “old fashioned” approach.Now, many lenders are embracing AI technology to do at least a portion of their processing, and it is a top priority for the future. To compete, survive, and grow in today’s tight lending market, now is the time to embrace AI and ML technology. The capabilities of these technologies not only improve compliance, but also speed, productivity, and accuracy. This is important in a dynamic environment with a wide range of different rules that could change and expand over time. Those organizations that fail to embrace this new technology, or are too slow to adopt it, could be left behind. Welcome to the Machines AI Borrowers HOUSING Lending mortgage technology 2019-02-01 Radhika Ojha Share February 1, 2019 1,696 Views in Daily Dose, Featured, News, Print Features
“Coop, he’s practiced on the first-team all year, so it’s not that bad,” he said. “And having a game under our belt, it’s not like we’re starting three different guys.”Elsewhere along the line, left tackle Jared Veldheer is likely to play through a sprained ankle, though Arians said, “he’ll be pretty solid.” Find a running game?To say the Arizona Cardinals have struggled to run the ball lately would be an understatement, as their backs have averaged just 2.5 yards on 48 carries over the last three games. Without Andre Ellington, who will miss Sunday’s game due to injury, the bulk of the work load figures to fall on Stepfan Taylor and Marion Grice. Are they up to the challenge against Kansas City’s 30th-ranked run defense? Welcome back Fitz?Cardinals WR Larry Fitzgerald has missed the last two games due to a sprained MCL in his knee, but practiced every day this week and feels like he’ll be ready to go Sunday. Listed as “questionable” on the official injury report, he will be a game-time decision. Charles in charge… would be a bad thingThe Cardinals have done a good job containing some of the NFL’s best backs this season, though they are coming off their worst performance of the season just in time to face one of the league’s best runners in Jamaal Charles. Derrick Hall satisfied with D-backs’ buying and selling “So this week, we definitely look to pick things back up where we left it off the week before.”And that’s just it. Okafor pointed to the defense’s energy level not being where it needed to be in Atlanta, which is a sentiment that was echoed throughout the locker room during the week. “I mean, we know it was very disappointing how we came out; we came out flat and Atlanta came out hot,” safety Tony Jefferson said. “We knew everything that they were going to run, but the intensity wasn’t there, the excitement and hype wasn’t there as it has been the past few weeks. “So we’ve got to go out there, we’ve got to change something, we’ve got to go out there and play how we’ve been playing.”If there is a silver lining to be found, it’s that what happened in Atlanta is likely the exception more than the rule. Sure, injuries have been an issue for the team, but they’ve consistently found a way to produce even with some of their best players on the sideline.Furthermore, that game — and effort — is in the rear-view mirror.“I don’t really read yesterday’s newspaper,” linebacker Larry Foote said. “This week, we want to play our best game. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Top Stories Comments Share Miscellany Home is where the wins areArians has often talked about the importance of winning at home, and his team has done just that over the last two years. The Cardinals are 6-0 at University of Phoenix Stadium this season, in large part because of a defense that is allowing just 15.2 points per game in the building. With a win this week, the Cardinals would have the most home wins in a single season since 1925, when the franchise won 11 of its 13 home games.Hello, Mr. CooperDue to Paul Fanaika’s injury, Jonathan Cooper is set to make his first career start. It was supposed to happen sooner for the left guard, who was taken with the seventh overall pick in last year’s draft, but injuries helped to stunt his learning curve. However, he had been seeing more time in the lineup recently in different packages, and now will get a chance to do what he was drafted for. It will be the first time this season the Cardinals have started a game with a different offensive line, with Ted Larsen moving from left guard to Fanaika’s spot on the right side. A lack of continuity should not be an issue, according to Arians, especially since the group that will start Sunday finished last Sunday’s game in Atlanta. Charles enters the game ninth in the NFL in rushing yards with 807, though he is averaging 5.0 yards per carry. What separates him from some of the other top backs, however, is his ability to catch the ball, as he has 30 receptions for 214 yards and four touchdowns this season. What the Cardinals are hoping Ellington becomes, Charles already is. “He’s got speed, he’s tough, and he’s got great feet and he blocks,” Arizona defensive coordinator Todd Bowles said. “He has outstanding feet. He can make you miss, just subtly; where most guys have to jump and juke, he can just sidestep and keep on going. He’s arguably one of the top one or two in the league.”Pretty crazy streakThe Chiefs do not exactly have a dynamic passing attack, but it is pretty amazing that not one of their wide receivers has caught a touchdown pass through their first 12 games. Home cooking helps Stanton?Drew Stanton has not lost a start at University of Phoenix Stadium, where he is 2-0. He has, however, lost three of his four starts on the road. Arians has been adamant that the offense’s recent struggles are not solely because of the quarterback, though no one is arguing that the veteran cannot play better. If nothing else, he will need to cut back on the turnovers, as he’s been picked off five times over the last three games. Grace expects Greinke trade to have emotional impact But last Sunday in Atlanta, Arizona’s defense wilted, allowing 500 yards of total offense to the Falcons. Quarterback Matt Ryan threw for 361 yards and two touchdowns, while running back Steven Jackson ran for 101 yards, becoming the first player to top the century mark on the ground against Arizona not only this season, but since Week 6 in 2013. The Cardinals’ streak, which spanned 21 games, was snapped by a running back whose previous season-high was 81 yards. Oh, and Jackson had not reached 100 yards rushing since Nov. 25 — of 2012. Besides Rashad Johnson’s pick-six in the second quarter, it was a pretty terrible effort all the way around in the 29-18 loss. “Yeah, any time you give up 500 yards and that number of points, you better have your tail between your legs a little bit,” Cardinals coach Bruce Arians said. Granted, the defense’s “off day” would not be as big of an issue if the team’s offense wasn’t also struggling. But the reality is the Cardinals cannot really afford a bad performance from the defense and expect to win football games.“The way we played last week was embarrassing,” linebacker Alex Okafor said. “We didn’t come to play, obviously, and we have more pride than that. Former Cardinals kicker Phil Dawson retires Foote noted that he doesn’t remember Atlanta; defensive lineman Calais Campbell was suffering from the same kind of amnesia. “I forgot about that game already; I don’t even remember that game,” he said. “But it wasn’t pretty, whatever it was. That’s why I forgot about it.”The trick is being able to learn from it while also moving on, which is what the Cardinals are hoping to do. Even still, it stands to reason that the defense will be better in the coming weeks than it was in Atlanta. It has to be, especially if the offense continues to have its own issues.“We didn’t play up to our standard and it’s not acceptable,” defensive lineman Frostee Rucker said. “No matter what they do on the other side of the ball, we hold our head high on how we play and how we get to the ball and how we make plays. We didn’t get them done — not enough plays — and that’s why we lost, so we’re going to regroup and have a lot of energy come this week.“We’ve got a home game, I’m sure the fans will be excited, we’ll be excited to play in front of them, and we’ll be ready to go.” TEMPE, Ariz. — If there’s one thing we’ve grown to expect from the Arizona Cardinals, it is excellent defense.Over the last few seasons — and especially the last two — Arizona has been among the best in the league at stopping opposing teams. Even on days when the offense wasn’t particularly explosive, you could always count on the defense to stand tall and keep the game within reach.
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Naturally, which also does not have a park land dedication requirement But Duluth also has by far the most park land of comparable cities in the region with just under 12000 acresDuluth leaders said the city encourages developers to include dedicated park land in new subdivisionsModeled after FargoNorth Dakota’s second-largest city has taken note of Fargo’s approach to new park land requirements Bismarck modeled its new park land dedication policy after Fargo’sBismarck’s ordinance in effect since January requires land to be set aside for public use but it doesn’t say how much The ordinance was necessary because of Bismarck’s growth officials said“We were seeing a lot of land being subdivided for residential purposes but not necessarily with a parks component” said Carl Hokenstad Bismarck director of community developmentBismarck has a lot of land but it also has among the lowest number of people per park acre compared to other major cities in North Dakota – an indication it has a large amount of park land for its sizeUnlike other cities that require a land donation or a fee Bismarck’s ordinance requires the developer to either donate land for park use or to offer a portion of the land for sale The Bismarck Parks District could then buy that land and develop it into a park“I think it’s just a matter of how we could make it work in Bismarck with all the parties without having too much conflict” Hokenstad saidGetting the ordinance through was difficult said Randy Bina Bismarck parks and recreation director It took the city almost two years because a proposed ordinance with a 7 percent minimum stirred up controversy Hokenstad saidParks a focusOfficials in each city said parks are important to attract residents and that most developers realize that Parks improve land values and can help cities manage the runoff from storms and melting snowParks also encourage active living which can make communities more healthy and active leaders sayMost cities say their goal is for every resident to have a park within a half-mile or quarter-mile of their homeFor instance the rapid growth in western North Dakota caught cities like Williston off guard in some areas of civic planning But not in terms of park land dedicationThe rapidly growing city has had a 6 percent minimum park land dedication ordinance for a long time said Jeremy Ludlum the city’s facilities and programs directorThe ordinance offers in-lieu options and the requirement is also in effect for industrial and commercial developmentsNumber of parks and other recreational facilitiesFargo: 137 Moorhead: 56 West Fargo: 37 Grand Forks: 36 Bismarck: 63 St Cloud: 96 Sioux Falls: 85 Williston: 30 Duluth: 130*Includes facilities that are adjacent to or located on other park or recreation areasAcres of park and recreation landFargo: 2234 acresPeople per acre: 508Moorhead: 1402 acresPeople per acre: 281 West Fargo: 450 acresPeople per acre: 664 Grand Forks: 1577 acresPeople per acre: 348 Bismarck: 2789 acresPeople per acre: 24 St Cloud: 1481 acresPeople per acre: 447 Sioux Falls: 3549 acresPeople per acre: 464 Williston: 305 acresPeople per acre: 684 Duluth: 12000 acres*People per acre: 71* *Duluth park acres is estimatedSource: City data and2013 US Census data "Our anger with Russia must be communicated, We call on the F. the U. By Roni DenglerMay. Interestingly. such as what he called "the enormous wealth of a few as opposed to the poverty of the many. Whether he will win is another thing. your email inbox can get piled high with unorganized messages. "Our hearts and love go out to our two Family Liaison Officers.
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