Best efforts offering – Mon Best Of Mon, 11 Oct 2021 11:54:07 +0000 en-US hourly 1 Best efforts offering – Mon Best Of 32 32 Hong Kong 2021 Retail Banking Competitor Benchmarking Report: HSBC, Standard Chartered, Bank of China, Mox Bank, ZA Bank, Hang Seng Bank, Citibank – Mon, 11 Oct 2021 11:30:00 +0000

DUBLIN – (COMMERCIAL THREAD) – The report “Hong Kong Retail Banking – Concurrent Benchmarking 2021” has been added to offer.

This report examines market performance, retention risk and current account market share. It ranks the best banks in Hong Kong on a range of criteria, from digital adoption and user experience to rewards and money management tools.

Despite the impact of COVID-19, Hong Kong banks remain well capitalized and ready to support the recovery going forward. All incumbents increased their total divisional assets (ADT) in 2020.

Although the threat of a long-term low interest rate environment persists, profitability is unlikely to be affected as banks focus on controlling costs and non-interest income. As net interest margins across the banking industry contract due to the need for ultra-low interest rates, the importance of non-price factors has become significantly more important in the banking space. .


  • The use of digital channels peaked in 2020. However, the return to pre-pandemic habits appears to be underway. Standard Chartered, HSBC, Hang Seng Bank, and Bank of China all experience greater branch usage in 2021 than in 2020.

  • 38% of Citibank’s customers have joined it in the past five years, suggesting that its customer acquisition efforts have been successful.

  • HSBC is leading the way in cross-selling, with 20% of its customers owning three products with the bank. Challengers ZA Bank and Mox Bank are struggling in this regard due to a lack of services.

Reasons to buy

  • Find out which banks in Hong Kong are performing the best.

  • Find out which banks are threatened and perceived as late by customers.

  • Understand the Hong Kong retail banking landscape and how it can evolve based on key performance indicators.

Main topics covered:

  1. Abstract

  2. Financial performance, market share and cross-selling

  3. Channel traffic trends and digital adoption

  4. Client satisfaction

  5. Annex

Companies mentioned

  • HSBC

  • Standard charter

  • bank of china

  • Mox Bank

  • ZA Bank

  • Hang Seng Bank

  • Citibank

For more information on this report, visit

]]> Amazing Los Angeles Homes | Wallpaper* Sun, 10 Oct 2021 04:04:16 +0000

The City of Angels is also the city of architectural dreams. And Los Angeles homes are a joy – from iconic Modernist residences (hello, Garcia House and Moore House – see below), to minimalist mansions, and fascinating renovations and reinventions of existing historic fabric, to completely new contemporary homes, large and small, in all shapes and sizes. Bathed in sunlight under California blue skies and at the forefront of their domain, these homes are rich and diverse, representing the best of Los Angeles architecture.

Amazing Los Angeles Homes

Hollywood Hills House by Envelope Architecture + Design

Photography: Matthew Millman

The slopes of rolling Los Angeles suburbs are home to some of the world’s finest Modernist residences – think Pierre Koenig’s Case Study House No 22 and John Lautner’s Chemosphere House. That’s what a couple – an interior designer and a contractor – had in mind when they started looking for a family home. Their search led them to unlikely terrain in the Hollywood Hills, ragged, empty, and bordering on a nature preserve. The steep slope, while still offering striking views, was almost unbuildable. Called for help, architect Douglas Burnham, director of Envelope Architecture + Design at Berkeley, was not fazed. Customers took over the land, and with it the ability to build from scratch in the hills, to create a contemporary response to these modernist classics. The architects secured the slope and landscape designer Matthew Brown re-fortified the site with native species. Soon a curious green volume began to spring from the foliage. The team enveloped the site in a wall of sculpted concrete, but this bright, cantilevered upper volume makes the house hard to miss. “There is an exuberance in the architecture of LA,” says Burnham. “There is room to experiment. The shade of green came from the customer’s preferences, but also from the canopy of the trees – although ours is largely an artificial green. ‘ The Hollywood Hills home has almost no conventionally shaped rooms. “The floor plan is very angled and faceted, few parallels or perpendiculars,” says Burnham. “We’ve tried to improve movement in the house, so it’s about spaces of movement and flow. This takes place in plan but also in section, with the volume of the main chamber slightly inclined, leaving more room for the space below. Broken geometry gives a relaxed and informal feeling.

Cove Way by Sophie Goineau

Photography: Michael Clifford

A historic mid-century Beverly Hills home by Alfred Wilkes has been restored by interior designer Sophie Goineau. Cove Way, a Californian residence set in the middle of a green park, was originally built in 1957 in keeping with the modernist architectural traditions of the time. Today, after two years of meticulous research and construction work, the house has regained its former glory – with a 21st century twist, while drawing on themes from great modernists, such as Richard Neutra, Harold Levitt and Mies van der Rohe and a minimalist ‘less is more’ approach. Goineau worked on refreshing the existing elements and opening up the space while maintaining the important overall aesthetics and philosophy of the structure. The house, which covers approximately 5,000 m² and has four bedrooms, is made up of an arrangement of straight and curved lines and expanses of glass that open onto the green gardens and the swimming pool outside. The pronounced overhangs of a flat roof enhance the vertical feel and visually extend the low volumes elegantly.

Moore House by Woods + Dangaran

Photography: Joe Fletcher

This 1965 Craig Ellwood home in the Los Feliz neighborhood of Los Angeles has been given a new lease of life with a full restoration by Los Angeles architecture studio Woods + Dangaran. Called Moore House, the house brings together the best that California modernism has to offer; mid-century interiors, open-plan spaces, crisp, crisp volumes that are softened by the use of wood, architectural gardens and glass expanses that provide a long view of the cityscape beyond. When the team received the commission, the house was in poor condition, recalled Brett Woods and Joseph Dangaran. The two co-founders of the boutique architecture firm have to their credit a multitude of high-quality modernist-inspired homes, such as their recent Carla Ridge residence. Here, “the house envelope is improved to preserve the longevity of the structure and meet contemporary performance standards,” they explain.

Garcia House by John Lautner

Photography: Roger Davies

Perched nimbly on one side of the Hollywood Hills along Mulholland Drive in Los Angeles, John Lautner’s futuristic Garcia House is one of the most enduring specimens of the Mid-Century Modern movement. Completed in 1962 for jazz musician, conductor and Hollywood composer Russell Garcia and his wife Gina, the almond-shaped house is also well known for the steel caissons that hoist it 60 feet above the canyon. below that it is for its part in the years 1989 Lethal weapon 2, where he seems to fall apart in a blow to the villains of the film. Special effects and fame aside, the Garcia House, which indeed stands tall and tall, is now a part of living history, with its V-brackets, parabolic roof and stained glass windows. The current owners of the house, director of entertainment business John McIlwee and Broadway producer Bill Damaschke, have been on a mission to restore and revive the house since they bought it in 2002, while also keeping it there. living full time. Wallpaper * first featured on the house in our January 2009 issue (W * 118), when McIlwee and Damaschke were enjoying the fruits of their ambitious restoration efforts. “When we first saw the place in 2002, it was a bit of a mess,” McIlwee now remembers. “It was 25 years of neglect. Structurally, the house was perfect. The whole house rests on caissons and no part touches the ground. However, the roof was a big problem because it had deteriorated, ”he continues. “There was a leak through a window and she ate through part of the house. We went in, took out an old carpet, painted the house and lived there for a year. This was essential for us as we would have made different decisions if we had tried to get the job done before moving in. Writer: Pei-Ru Keh. Artistic direction: Michael Reynolds

Curson Residence by Nwankpa Design

Photography: Jess Isaac

Transforming an existing home to contemporary requirements while retaining a sense of a building’s original character and intention is no small feat. To do all of this during a pandemic is even more impressive. Achieving that balance between the old and the new, in the face of the challenges posed by local blockages and various other restrictions, is something architect Susan Nwankpa Gillespie has achieved in her latest project, Curson Residence. The project, completed by the architect’s studio, Los Angeles-based Nwankpa Design, involved the redesign of a 1920s storybook-style home in the city, which was artfully delivered by a design team and building made up entirely of women of color during the Covid -19 lockdown of 2020. The house featured a distinctive roof with steep slopes and a prominent tapered chimney facing the street. Nwankpa Gillespie worked with the main features of the original structure – such as its defining roof outline – to enhance its architectural presence on the exterior, but also its functionality and sense of space on the interior. Maintaining most of the roof, the architect pushed back the walls to add an additional 400 square feet to the existing 1,000 square foot home. The smart landscaping around the building will soon become a mature garden, adding a touch of nature to the urban site.

Monon Guesthouse by Jérôme Byron

Photography: Jess Isaac

A curious wooden structure has emerged in a back garden in the Los Angeles neighborhood of Los Feliz. Nestled behind a hillside property, here is Monon Guesthouse, the latest work of Californian architectural designer Jerome Byron; and its unusual appearance and lodge-like nature resembling architectural folly was no coincidence. “As a commission, the guesthouse was meant to spark the creativity and imagination of the husband and wife, entrepreneur and writer, and their two young children,” says Byron. The guesthouse, spanning two levels and some 245 square feet, now sits amid lush foliage in a finely landscaped architectural garden. The levels, walkways and planting were designed by the LA Terremoto office, who first entered the site, reimagining it with a wild and graphic garden of cacti and herbs. The small cabin-like addition was then added among this natural environment.

Carla Ridge Residence by Woods + Dangaran

Photography: Joe Fletcher

Los Angeles architecture studio Woods + Dangaran has designed an idyllic hillside home nestled in one of the city’s famous green runs. Located in Trousdale Estates, the Carla Ridge Residence embodies the spirit of Los Angeles living, bringing together an urban lifestyle with spotting scopes, open spaces, and architecture that merges indoors and outdoors while making a snap. to classical modernism. With a generous 9,800 square feet and five bedrooms, and created for a local developer, the home is expansive. It is also a design that is completely in tune with its surroundings, combining an open and flowing interior for its common areas, with an array of outdoor spaces. There are courtyards, paved decks, sheltered outdoor pathways, architectural gardens, and a stunning double infinity pool with views to the east of downtown Los Angeles and to the west to the ocean. Peaceful. “The visitor experience is carefully choreographed,” says the team.

Positively negative by Dan Brunn

Photography: Brandon Shigeta

This minimalist California beach house is the brainchild of American architect Dan Brunn. The house, located right on the Venice Beach waterfront, is an ode to raw concrete and clean volumes, but was born out of pragmatism and functionality; Positively Negative, as the house is named, was created in direct response to “the harsh marine weather conditions and the densely populated environment of its location,” explains the architect. Showcasing a narrow facade and attempting to strike a healthy balance between natural light, privacy and outdoor space, the design of the house was conceived as a series of stacked cubes. The composition is quite complex but also feels right at home in the Los Angeles-based Brunn portfolio – the architect is well known for his clean, minimalist sculptural work.


“Lamb”, Review: A Horror Movie Where Intelligence Is the Problem Fri, 08 Oct 2021 22:50:49 +0000

The fantastic close to the horror “Lamb”, which leaves Friday in theaters demonstration of professionalism, that an experience. It’s only about twenty minutes of its one-and-three-quarter-hour battery life that sparks interest, thanks to a last-minute twist of industrial strength intelligence. The narrative trickery that sets up the story – and the sense of a setup is palpable throughout – results in a grossly simplified narrative that smacks of cynicism. “Lamb” strives to be admired even as he cuts his characters to pieces on a game board and his actors into puppets.

The subject of “Lamb” is a fantasy planted with meticulous but narrow attention to a realistic context. María (Noomi Rapace) and Ingvar (Hilmir Snær Guðnason) are a young couple on a farm in a remote part of Iceland. They grow crops (mostly potatoes) and raise a few dozen sheep, which live in a barn a short walk from their cozy, relaxed little farm across sloping fields. Their work days consist of driving a tractor, driving sheep through the fields, hauling hay for the sheep, preparing meals, helping the sheep to give birth, tagging and registering new arrivals. But their regular routine is disrupted by the barking of their dog near the barn; the couple enter to see what is happening with the sheep and, looking surprised, find that one of the sheep has given birth without help. Taking the newborn in her arms, María brings him back to the farm, where, wrapped in a blanket, he lives in a metal laundry tub. They give him milk from a bottle and raise him around the house, dragging a crib from a storage area to a space next to their own bed, where the swaddled lamb will live.

Despite glimpses of the awe-inspiring, mountainous Icelandic region and activities at home and on the farm, ‘Lamb’ offers virtually no characterization, no inner life, no substance. There is nothing wrong with a mystery filmed from the outside, in which only the observation of the characters can provide clues. But “Lamb” constructs his characters only as generators of clues; their identity is limited to their function. The gap between what the characters know (or, for that matter, who they are) and what they are shown doing is blatant and frustrating; it makes the film look like pages of written testimony on which there are more bands of black ink than readable text. It is, for example, only a third of the film that the lamb in question is actually revealed to be a hybrid of lamb and human – its head is that of a lamb and its right arm is a leg. lamb’s hairy front, but the rest of its body is humanoid. This fact, instantly known to the couple and weighing on them as some sort of serious matter, is kept secret from viewers.

María and Ingvar name the young sheep Ada (pronounced “ahda”), dress her in sweaters and pants, and raise her as their daughter. A few years go by. Ada is now a calm toddler who walks upright; she does not speak, but she understands what María and Ingvar are saying. Next, the family receives a visitor, Pétur (Björn Hlynur Haraldsson), the foolish brother of Ingvar, a former rock musician, who is brutally thrown from the trunk of a car on their property by a trio of people as María and Ingvar. assume are his creditors. María and Ingvar are astonished that Pétur has returned, that is to say that he lived or visited there; it is never specified, but it is in any case the first time that he goes there in years, and therefore the first time that he meets Ada. His skepticism about the couple’s decision to raise him takes on a particularly bitter and threatening character, for reasons that are only very belatedly and very little suggested to the viewer (but are immediately obvious to the three adults). María and Ingvar fear that Pétur will do something to harm Ada or otherwise get rid of her, and that air of fear and threat, combined with Pétur’s efforts to spark an affair with María, directs the drama. .

There is nothing in the film to suggest what María and Ingvar are thinking. During the first ten minutes, they don’t say a word. When shown reading or writing, the substance is neither seen nor heard. When they finally talk to each other, it is to exchange small talk. They say nothing substantive about their day-to-day lives or immediate concerns – for example, not a word between them about Ada’s unusual form, the practicalities involved, the significance to them of her presence. Something went off the rails in the household (hint: the cradle in the storage room) but, although this is at the forefront of the couple’s minds, even in their activities, the information is not released in the film until very late, and then only as a virtual post-it on the screen. (In a prime example of the director’s cautious and timid way with news, even the names of the protagonists are dropped late in the story.)

The physical labor is equally emblematically distributed. Do María and Ingvar sell the sheep? Butcher the sheep? It is never shown, nor even suggested. Their isolation – do they have friends, other relatives, visitors who might also be surprised at Ada’s unusual form? None that is seen, and the story seems to span around five years. Petur’s skepticism about the couple’s raising Ada is also dispatched in an empty phrase or two. The silences that follow the scanty and purely informative dialogue are breathtaking silences in which the characters are conspicuously emptied, as by directing decree. Even the footage in the film is stunning in retention, offering information in a serenely decorative form and cutting even the best elements – his rare close-ups of Ada and sheep – to merely indicative snippets.

In part, the frustration with the “lamb” is a function of the craftsmanship that obviously went into its making. The problem is, all the obvious thinking has been channeled in a tight way to make sure the story holds its landing. Far from considering the implications and possibilities opened up by its story, the meticulous organization of the film stifles them. Without any end – and without any conceptual or stylistic audacity behind its rarity – “Lamb” seems cut off not only from the inner life of its characters but from the inner life of its creators. Humanoid hybrid films have a moment: Julia Ducournau’s “Titanium” is also currently in theaters, and the director is following the implications of his fantasy premise to the extreme wild; what he lacks in the overt expression of the subjectivity of his characters, he furiously and beautifully makes up for with the teeming inner worlds and visionary imaginations of the director. “Lamb” reduces fantasy to an excuse and imagination to a product. To my surprise, he won the Originality Prize in the “Un Certain Regard” section of this year’s Cannes Film Festival. This, and its overall praise, offers a grim take on the state of the art house. If he’s to get any awards, give his twisty twenty minutes an Oscar for Best Live-Action Short Film and be done.

Favorites of New Yorkers

]]> Tedder eager to help the city thrive Wed, 06 Oct 2021 23:21:18 +0000

Boulder City’s new city manager, Taylour Tedder, has been in the post for two months and, during that time, got to work with his feet first.

In order for the community to get to know Tedder better, the Boulder City Review recently interviewed him, asking him about his ideas for historic preservation for the city, his relationships with city council and staff, which he enjoys doing during his free time and what he looks forward to his job.

Prior to becoming a general manager, Tedder was an assistant city manager in Leavenworth, Kansas. He received a BS in Economics from Emporia State University in Emporia, Kansas in 2011 and an MS in Public Administration from Wichita State University in Wichita, Kansas in 2013.

How does the city compare to your first initial impressions?

Before I started working at Boulder City, I knew there was an exceptional team. My initial expectations were largely exceeded on a daily basis. Everyone from frontline employees to department managers genuinely cares about the level of service provided to our residents. I was also impressed with the efficiency and the processes put in place for the smooth running of the city’s operations. Examples include the SeeClickFix offering on our website to report issues, and service needed, to our public works processes to keep our public services operational.

Historic preservation is a big problem in the city. Do you have specific preservation goals? Or ideas for repurposing buildings so that they can retain their historical significance?

Ultimately my goal is to achieve community consensus and support; this is the best way to ensure that preservation efforts are working. We have received feedback on the proposed changes to the City’s Historic Preservation Ordinance, and I would like to see more conversations happening. The pandemic has hampered some of these efforts. Hopefully by the end of the year we can engage the community in these conversations. The ultimate goal of historic preservation is to ensure that buildings are used optimally and optimally. With many financial aid programs we currently have, we can ensure that our historic buildings do not fall into disrepair and stay for generations to come.

There have been a lot of conflicts at the town hall in recent years. Do you have plans to create a better working environment?

I can’t talk about the past, however, I can talk about what I saw in my almost two months with the city. There is always uncertainty when an organization undergoes major leadership changes. Since arriving, the board has indicated their support for me, the staff and our efforts. I appreciate all that Michael Mays has done as Interim City Manager to keep staff motivated and focused on their task. His high level of organization and implementation of project monitoring made the transition very smooth. The employees have done a phenomenal job, exceeding expectations to provide a high level of service to the community. I believe coming together as a team and looking ahead will strengthen these efforts, especially recognizing employees when recognition is due, continuing to improve morale.

Are there any projects that you would like to see carried out during your tenure with the city?

It is clear that we have several hot topics affecting the region that I am already working hard on, such as water resources. Ensuring that we do everything we can at the city level to conserve water and use our resources to the best of our ability is of great importance. I would also like to see the use of additional technology to optimize our staff’s time in areas where it is needed most. Overall, despite many key projects, I plan to get additional feedback from staff, management and city council members before developing a comprehensive roadmap for long-term initiatives. Stay tuned.

What activities or events, hobbies or community sponsored are you looking forward to?

I look forward to attending other community events. The level of community pride is evident everywhere I go, and it is contagious in a way that results in strong public participation at almost every event held in Boulder City. On a personal note, I also can’t wait to explore the trails in Bootleg Canyon. As a past president of the Leavenworth Lions Club, I look forward to being part of a local civic organization in town as I have been invited to several large groups. It’s all about the right fit.

What do you like to do when you are not working?

I really enjoy spending time with my wife, Amber, and our rescue cats. We love to explore new places, cook, home improvement projects and outdoor activities. Having recently secured a new home, with the expert help of our real estate agent, we are proud to call Boulder City our home.

Do you have a personal motto or mantra that you follow?

I like to live by treating everyone with the same high level of respect, regardless of who they are or what position they hold. Treating others the way you want to be treated goes a long way in building consensus, trust, and friendships. I also believe that transparency is a must in all aspects of local government.

What would people be most surprised to know about you?

I am a car fanatic. New, old, big, small, I love them all. When I was a kid, I could tell you what kind of car drove on the road, in the dark, just by the lighting of the taillights. I also have a large collection of keys and license plates that I collected not only from my grandparents, but also from myself.

Who is your hero?

I can’t say I have a specific hero. I believe a lot of people are modern day heroes; from our public safety personnel to healthcare workers, we have many heroes who live in our lives every day. A few exceptional people come to mind. Steve Jobs showed what resilience and ingenuity can do to pioneer an industry. He never gave up and focused on accomplishing something great every day. Jack Canfield, co-author of the “Chicken Soup” book franchise, is another, as he inspires growth and shares principles for achieving life goals through his motivational speeches. At the end of the day, anyone can be a hero in our life, it’s showing appreciation and appreciation for these great people.

Who is your favorite sports team?

As a former student of Wichita State University, I am a huge fan of their basketball team. Go Shockers! Of course, as a Kansas City native, I have an affinity for the Kansas City Chiefs and Royals. It was great to see the Chiefs win the Super Bowl in 2020 for the first time in 50 years. I was told that being in Southern Nevada I might become an avid hockey fan at some point in the future.

Contact reporter Celia Shortt Goodyear at or 702-586-9401. Follow her on Twitter @csgoodyear.

Amazon Rumored to Consider Amazon Fresh Expansion Tue, 05 Oct 2021 21:53:08 +0000

Amazon Fresh appears to be continuing its slow and stealthy expansion, giving little clue to the brand’s long-term vision. Last week news broke of two possible new locations, each in a market previously untapped by the grocery brand.

On Thursday, September 30, USA Today’s Quincy, The Patriot Ledger of Massachusetts reported that the Town of Braintree, Massachusetts, Planning Council had approved a 37,500 square foot Amazon Fresh store, the company applying under the pseudonym “Seritage KMT Finance LLC”, according to a letter to the city, “for confidentiality purposes”.

Meanwhile, last Tuesday (September 28), Eden Prairie Local News, a local nonprofit media outlet in Eden Prairie, Minnesota, reported that the city’s planning commission had approved plans for a 40-storey grocery store. 000 square feet from an anonymous owner, one it’s a national grocer, and the plans came with a rendering very similar to Braintree’s. Additionally, architect NORR has ties to previous Amazon Fresh projects.

While Amazon appears to be making plans for physical locations to come, it is also creating new ways to integrate its offerings into consumers’ daily lives with contextual business integrations. On Tuesday (October 5), Insider announced that Amazon was developing a smart refrigerator that would prompt orders from Whole Foods or Amazon Fresh when consumers run out of a given item.

Amazon’s grocery efforts have been somewhat erratic throughout 2021, with some moments suggesting impressive growth and others showing significant uncertainty about the future of the grocery business. ‘business. Amazon started the year by shutting down its Prime Pantry services in early January, integrating the shelf life program on Amazon’s main website. In March, the company opened a UK store of its cashless Amazon Go convenience stores, the first of its kind outside of North America. In May, the company merged its Amazon Go Grocery business, the grocery arm of the convenience store chain, into its Amazon Fresh grocery brand. Shortly thereafter, the company announced its first full-size Amazon Fresh store that is “Just Walk Out” compatible.

The company’s Whole Foods Market grocery brand has also undergone significant changes this year. On the one hand (literally), Amazon is trying cutting edge payment methods like Amazon One palm scans and Just Walk Out payment at some Whole Foods stores. On the flip side, Amazon recently announced a fee of around $ 10 for Prime members commanding at Whole Foods for delivery to certain cities, a move that threatens to alienate a significant portion of the grocer’s customer base. Additionally, Whole Foods co-founder and CEO John Mackey, who has been central to the brand, recently announced his retirement, suggesting major changes ahead.

For the most part, the company’s corporate communications throughout 2021 made little mention of Amazon’s intentions for its grocery chains going forward.

There haven’t been many comments since March, when the company’s chief financial officer Brian Olsavsky told analysts, “The grocery store has been a big eye-opener during the post-pandemic period here. I think people really appreciate the ability to have it delivered to your doorstep, and we’ve seen that as the numbers increase dramatically before and after the pandemic… in Fresh stores it’s a bit too early… we are confident that the Just Walk Out technology will be a godsend, a benefit to customers, and we’re very excited about what’s happening, but it’s still very early in day one.

When it comes to grocery sales, Amazon lags its competitor Walmart, the world’s largest grocer, by an order of magnitude. Recent research from PYMNTS indicates that Walmart has an 18.9% share of total food and beverage sales, while Amazon lags far behind at 1.9%. Even at Walmart’s lowest point in the past two years, capturing just 18.1% of the total market, Amazon’s share was still a factor of 10 lower.

Read more: Amazon’s food fight fails to downplay Walmart’s 10-to-1 lead

For a moment in 2018, it looked like Amazon was going to take over as its share of the category more than doubled for two consecutive years. However, after this period of rapid growth, the company’s share in the category stagnated at 1.9%.



On: Eighty percent of consumers want to use non-traditional payment options like self-service, but only 35 percent were able to use them for their most recent purchases. Today’s Self-Service Shopping Journey, a PYMNTS and Toshiba Collaboration, analyzes more than 2,500 responses to find out how merchants can address availability and perception issues to meet demand for self-service kiosks.

Hologic launches Novodiag® system for on-demand molecular testing in Europe Tue, 05 Oct 2021 07:00:00 +0000

MANCHESTER, England – (COMMERCIAL THREAD) – Hologic, Inc. (Nasdaq: HOLX) today announced its large European launch of Novodiag® system, a fully automated molecular diagnostic solution for on-demand infectious disease and antimicrobial resistance testing. The launch follows Hologic’s acquisition of Mobidiag Oy in June 2021 and will bring the benefits of the Novodiag system to a wider range of customers in Europe.

The Novodiag system combines real-time PCR and DNA microarray capabilities. This enables the identification of multiple pathogens in a single sample, providing a quick and easy way to identify patients at highest risk through targeted and syndromic testing on demand. Its CE-IVD test menu includes highly multiplexed on-demand tests for gastrointestinal infections and antibiotic resistance, as well as a targeted test for the detection of SARS-CoV-2. A strong pipeline is also under development.

“Our acquisition of Mobidiag was aimed at strengthening our international diagnostics business. With Hologic’s launch of the Novodiag system, we are achieving this goal, ”said Jan Verstreken, Group President, International at Hologic. “The addition of the Novodiag system to our scalable molecular diagnostic solutions portfolio will provide more customers in Europe with a wider choice of solutions that meet their needs, from rapid single patient testing to population-level screening. ”

Hologic’s current diagnostic offering is anchored by the Panther® System, a best-in-class, fully automated, results-based sample analysis platform designed for use in variable throughput laboratories. The Novodiag system is a high multiplexing technology that is precision engineered for simplicity, accuracy and affordability across a wide and growing menu of high and low plex tests. It complements the Panther system, as well as Panther’s scalable solutions, and expands Hologic’s offering, enabling the company to meet the growing diagnostic testing needs of customers, from the smallest to the largest laboratories.

Tuomas Tenkanen, CEO of Mobidiag, a Hologic company, said: “Mobidiag is already realizing the benefits of being part of the Hologic family, and today’s launch will allow Novodiag to reach a market of many customers faster. larger, offering the advantages of an on-demand service system that offers ease of use, high multiplexing capacity and fast turnaround time.

For more information, visit

About Hologic, Inc.

Hologic, Inc. is an innovative medical technology company focused primarily on improving the health and well-being of women through early detection and treatment. For more information on Hologic, visit

Hologic, Mobidiag, Novodiag, Panther and associated logos are trademarks and / or registered trademarks of Hologic, Inc. and / or its subsidiaries in the United States and / or other countries.

Forward-looking statements

This press release may contain forward-looking information that involves risks and uncertainties, including statements about the launch of the Novodiag system and associated tests. There can be no assurance that these products will provide the benefits described in this document, that they will be commercially successful or that they will achieve the expected level of sales, or that these efforts will be successful, will benefit the Company and its shareholders. or will improve over time. Hologic expressly disclaims any obligation or commitment to publicly post any update or revision to any such statements presented herein to reflect any change in expectations or in the events, conditions or circumstances upon which such data or statements are based.

SOURCE: Hologic, Inc.

]]> Facebook doesn’t think this is a root cause of -exec bias at CNN Sun, 03 Oct 2021 15:23:23 +0000

WASHINGTON (Reuters) – A Facebook Inc executive said in an interview with CNN on Sunday that the company did not believe its social media service was a major contributor to the political polarization that has pervaded the United States .

The company’s vice president of policy and global affairs Nick Clegg spoke ahead of an expected Sunday night segment on CBS’s “60 Minutes” featuring a whistleblower who alleges the company acted too quickly to lift certain restrictions related to the elections that she had put in place around the November 2020 competition.

Clegg acknowledged that the company’s platform can serve as a vehicle for hate speech and disinformation.

“The way people exchange information (…) is now done online,” he said in the interview. “So, of course, as one of the biggest social media platforms, we have a responsibility to understand where we are contributing negative and extreme content, hate speech or disinformation etc.”

The whistleblower is expected to testify at a Senate hearing on Tuesday about what one of the senators announcing the meeting called the toxic effects of the social media company on young users.

(Reporting by Scott Malone and Jonathan Landay; Editing by Steve Orlofsky)

Human services agencies face staffing crisis, delaying services for those in need Sat, 02 Oct 2021 20:15:00 +0000

A constant stream of workers left community social service jobs like the one in Bunker during the pandemic, and many jobs go unfilled, leading to a staff shortage that has reached emergency levels, according to providers. Some programs face vacancy rates of up to 60 percent. At the same time, needs have increased, especially in behavioral health, and the wait for services – ranging from drug treatment to day programs for people with developmental disabilities, support for young people and to the elderly – increases.

Almost all sectors of the state are experiencing labor shortages. But in these predominantly nonprofit jobs in human services, the effects are far reaching. Workers facing COVID-induced stress are working double shifts to compensate for staff shortages. And with so many unfilled jobs, vulnerable populations are not always able to get the essential services they need.

Senior Health Care Coordinator Emily Donahue helped participant Marylou Watson wash her hands in the Advocates Day Services Adaptation Room.Pat Greenhouse / Globe Staff

Bunker is grieved to leave the people she has long served with so few resources as she makes the switch to clients who, for the most part, have private insurance or can afford to pay out of pocket.

“I feel guilty,” she said. “And then I get angry because, why are these people so underestimated?” And why are the services they need and the service providers so undervalued? “

Low wages in social services are a major contributor to the labor shortage, according to a coalition of state social service professional associations. Median salaries are slightly above $ 27,000 – which includes part-time employees but not most licensed clinical staff, such as nurses – well below the median of $ 40,500 for all other industries in the world. State, according to a 2019 report commissioned by the Providers’ Council, which represents 200 agencies in Massachusetts. Average salary of people who provide daily care to clients in group homes and day programs only cost $ 15 to $ 17 an hour.

Pay rates are largely determined by the state, according to providers, which is the primary source of funding for human service agencies. And with a staffing crisis in full swing, a coalition of human service associations is appealing to the state for hundreds of millions of dollars more to retain and recruit staff over the next five years and to create a student loan repayment program for existing employees as they work toward a more permanent solution.

Of the 180,000 state social service positions, ranging from workers helping developmentally disabled clients to licensed clinicians with master’s degrees, 8 in 10 are employed by women, according to the Providers’ Council, and the industry is twice as likely to employ black workers and 1.5 times as likely to employ Latinos.

The state did not respond to questions about vacancy rates, waiting lists or requests for additional funding, but noted several temporary salary increases for frontline social service workers and overall increases. of the funding it provided during the pandemic. The latest supplement – a 10 percent rate hike in monthly supplier reimbursements intended to give workers bonuses or short-term increases – was due to end in December but could be extended for six months.

The permanent salary increase is crucial, said Diane Gould, president of Advocates at Framingham, one of Greater Boston’s largest human services agencies, especially now that Amazon and other companies are offering salaries. higher than those of many of its direct care employees. In Lawyer Employment Program, Some Clients With Disabilities Land Jobs In Private Firms earn more money than their coaches, she said. It’s gratifying, given their hopes for their clients, but also demoralizing.

Lawyers have lost so many registered clinicians in its mental health and addiction clinics – 16 in the past year – and the need has grown so much that the waiting list has swelled to 250 people, Gould said. “They come in with significant issues that have been exacerbated by the pandemic,” she said, including alcohol and drug use, depression and domestic violence.

Westwood-based Lifeworks has 60 vacancies on its staff of 345, which severely limits its ability to serve those in need, President Daniel Burke said. Lifeworks’ Abel Therapy Center, an adult day program for people with autism, epilepsy, cerebral palsy, mobility and sensory impairments, is half-functioning due to the staffing needs of the center and businesses that transport customers there.

Families without a place to send their loved ones are forced to take over, disrupting their lives and their ability to work. “It’s a huge burden of care,” said Burke.

Benette Guerrier’s 22-year-old daughter Benshyana, who has autism, has been stuck at home in Randolph since leaving her boarding school in August and was put on a waiting list for a day program. A personal care attendant comes to help him during the day, but the attendant isn’t trained to help people like his daughter, said Guerrier, who works as a surgical technologist at Brockton Hospital. “She’s just sitting there doing nothing. … This is not good for her.

Raising the wages of social service workers would go a long way in alleviating the workforce crisis, said Peter MacKinnon, president of the Service Employees International Union, Local 509, which represents 8,000 private sector social service workers in contracted facilities. the state. But the increase in state funding must be linked to workers’ wages, with a fixed part meant to increase wages, to solve the problem, he said.

“While rates have gone up by hundreds of millions of dollars, and that’s good, the CEO’s salary, the administrative salary, have gone up disproportionately compared to the salaries of the people who actually do the work,” he said. -he declares. “And it’s incredibly important work that literally touches people’s lives and makes sure that these people are cared for, that they are able to thrive. If you value it as a job then you have to pay the people who do the job fairly.

Michael Weekes, chairman of the Providers’ Council, said efforts to link funding to wages are a “distraction.” No matter how much of the budget is spent on wages, he said, agencies won’t be able to attract the best workers if there isn’t enough money to start.

The main priority is to reduce the staff shortage, he said: “Our workforce crisis means that people are being denied services that really affect their health and safety.”

Mental health needs in particular have skyrocketed during the pandemic, said Anne Pelletier Parker, executive director of Behavioral Health Partners at MetroWest. Calls to the agency’s hotline have increased 46% this year compared to 2020, she said. Wait times have also increased, with the number of people waiting three months or more for services increasing by 13% between fiscal 2020 and 2021.

The shortage of licensed behavioral health clinicians is particularly alarming, she said, as many of them go to practices that don’t always take insurance. “There is a great demand from people who can afford to pay out of pocket,” she said.

Rosewood Day Services in Danvers serves half the number of adults with autism before the pandemic due to understaffing, according to a services official, who asked not to be named to protect his job security. Clients who would normally go out and learn independent living skills at the center are stuck at home, causing some of them to regress or lose skills they had previously mastered, she said.

It’s hard work, without a lot of monetary rewards, said the service manager, who earns just over $ 20 an hour after 16 years in the field. And as the agency scrambles to fill positions, it fears the quality of care is suffering.

“They just hire people for bodies, not for experience,” she said. “We want people who want to be here.

Katie Johnston can be reached at Follow her on Twitter @ktkjohnston.

UFC Vegas 38 Odds, Bet Picks & Predictions: Walker vs Santos Fri, 01 Oct 2021 22:11:20 +0000

The intrigue of mixed martial arts as a spectacle sport is the air of finality that hangs over the competition. For viewers who are both casual and obsessive in their fandom level, it’s a combination of the ‘don’t blink or you might miss it’ suspense and the degree to which ‘anything can happen’. That being said, sometimes it’s the most binary and predictable fight that delivers the most compelling, violent, and quickest conclusion. Johnny Walker and Thiago Santos have been booked for the main event of UFC Vegas 38 precisely because they are violent hitters who can kill or be killed, and who risk finding themselves in the middle of the octagon with clashes of violence punctuated until the fall of a giant.

UFC Vegas 38 chances: Walker vs. Santos

The fight doesn’t go all the way to the open distance line at -350 (~ 78% implied) and was quickly bet down to a market average of -527 (~ 84% implied). Much like Ryan Spann vs. Anthony Smith a few weekends ago, this light heavyweight fight has enough explosive firepower, enough durability issues, and at least one athlete with bad cardio, making it a fight. ripe for a gamble of violence.

Since Thiago Santos was at a scoreboard holding a UFC Championship belt in his only title opportunity, it is certainly understandable that punters open the favorite at this location. Thiago got finishes on current tastes UFC Champion Jan Blachowicz, light heavyweight contender Anthony Smith (although he weighs 185 pounds) and former division star Jimi Manuwa. However, Thiago suffered devastating injuries to both knees in the Jon Jones fight and was ruled out from major knee surgeries. I was able to cash tickets on Glover Teixeira and Aleksander Rakic ​​against Thiago in his last two fights as I expected to see a diminished version and a regression in his average performance. Before rejuvenating his career in the light heavyweight division, Thiago Santos was a talented but somewhat average middleweight contender who had just been put down by JJB Black belt and primary grappler David Branch. Now, after knee surgeries, at an advanced age (37.75), against a much younger and longer opponent, I find it difficult to support Thiago Santos from a silver line perspective as a that favorite. Against Rakic, Santos looked very measured to the point of being lifeless at times, and his once fearful lightning attacks were often countered, thwarted, or avoided entirely.

Unfortunately for gamers, Johnny Walker doesn’t represent the most reliable fighter to lean on from a combat IQ or durability standpoint. Walker is a quintessential glass cannon in Mma. It has a remarkable KD rate of 10.3% for, but a mediocre KD rate of 9.4% against. Even in fights that Walker won, like the Ryan Spann fight, Walker was the one who absorbed 2 knockdowns before finding the knockout finish. Walker is built for excitement, getting 15 KOs and 2 UNDERs in 18 pro wins for a 94% finish rate. However, he’s not built for the long haul, having finished in 80% of his professional defeats, often brutally in the first round (i.e. Corey Anderson or Henrique Silva fights). Even in the decision loss to Nikita Krylov, Walker slowed down tremendously and was breathing deeply between round one and round two.

The things to love about Johnny Walker in this game are physical and stylistic. Walker is reliable at showing up with fierce bursts of explosive attack like flying knees, high kicks, long straight punches, and hellish melee strikes (both elbows and knees). He also has a massive frame, measuring 6’6 “tall (4” adv. Height), with an 82 “reach (6” adv.), And a chiseled athletic physique. As a much taller and younger fighter, Johnny Walker certainly has some attributes that you want to see in a big, more money underdog. Walker’s cardio limitations are what make him hard to sustain in his first five-lap competition, especially when paired with questionable durability. We’ve also seen that the threat of the fight has been an effective tool in putting pressure on Walker, but Santos is averaging less than one out every fifteen minutes in less than two attempts on average.

In the end, while this fight is hard to read in terms of a winner, it seems pretty straightforward to me how this fight is most likely to play out. These fighters are likely to engage early and often until a man falls, and I think our betting priorities should be aimed at exploiting the predictable nature of this violence. The way I chose to target this is multifaceted.

UFC Vegas 38 Betting Tips

One of my biggest bets followed on this event will be Fight Does Not Start Rd. 4 (alternately listed as Fight Ends in Rd. 1, 2 or 3) at -240. I put a bet of 2.5U at -240, believing that -400 (80% indication) is closer to accuracy. With tremendous finishing power on both sides and a combined total of 30 KO wins and 6 KO losses between them, the fight to finish in a -360 KO / TKO can be a wise buy option if you have a bigger bankroll. and want to reduce the price to FDGTD to -500. I think if you are doomed on the Thiago Santos line it makes sense to play him straight at the -155 figure available on Draftkings because his ITD line offers very little added value (-120 best market price). However, for those with access to Fanduel Sportsbook, you can still bet the Boosted Santos to win per line KO / TKO at +130 (rest of the market +105 best available). If you are doomed on Walker’s side, the value of the silver line has been fully mined at +133, but its ITD The line at +210 seems worth playing. I do believe Walker is a first round fighter (at most a 2 round fighter) so Walker won in Rd. 1 at +470 on Fanduel is a no-brainer as a hedge if you are big on Santos or as a game if you try to maximize the value on Walker. I’m also thinking of Walker Rd. 1/2 at +275 is better value than the +133 available on its silver line.

Reasoning: Although he believes Thiago Santos is the most skilled fighter in all facets of Mma, I think it is a difficult game for him at his advanced age and his reduced physical capacities. Without his power and explosiveness, much of the dynamism seeped into Thiago’s game and left him with an uninspiring kickboxing offer. Santos will need to poke Walker with an early block or proactive wrestling in order to avoid the four-minute barrage of effective violence that the taller and younger man will bring to the feet. I think Santos would have been a nightmare for Walker earlier in his career, but at this point it can be a manageable task. The UFC obviously want to build Johnny Walker because he’s a marketable and interesting character in a division devoid of youth and excitement. I think matchmakers see what I see; a lesser version of Thiago Santos ready to be exploited by future title contenders (see Rakic ​​/ Texeria fights). Even an aged and aged Glover Texeira was able to outlast Thiago’s best efforts and find a finish. Rakic ​​fought a measured game plan with patience and tact to win a fifteen minute decision, which we won’t see from Walker. I expect a car crash in the middle of the octagon with the biggest and newest vehicle coming out damaged but ultimately victorious. The longer the fight lasts, the more he favors Thiago, but I expect violence sooner and later.

Prediction: Johnny Walker defeats Thiago Santos via KO1 (GNP header / punches)

My bets tracked:

  • 2.5U Walker / Santos Fight does not start Rd. 4 -240
  • .51U Johnny Walker ML 195
  • .19U Walker Road 1 +470

Exposure monitored: 3.2U

Degeneration not followed:

  • .25U chemin Walker 1/2 +275
  • 2U Walker / Santos ends GOING THROUGH KO / TKO -370

Exposure not monitored: 2.25U

Image Credit: Imag

Trulieve to borrow $ 350 million at 8% for 5 years – New Cannabis Ventures Thu, 30 Sep 2021 21:08:00 +0000

Trulieve Announces $ 350 Million Private Placement of 8% Senior Secured Notes

Leverage the industry’s leading track record to forecast the repayment of certain health and recreation-related debts from harvest to end of acquisition

TALLAHASSEE, Fla., Sep. 30, 2021 / CNW / – Trulieve Cannabis Corp. (“Trulieve” or the “Company”) (CSE: TRUL) (OTCQX: TCNNF) announced today that it has received commitments for a private placement of 8% Senior Covered Bonds due 2026 (the “Bonds” ) for aggregate gross proceeds of US $ 350.0 million (the “Offer”). The Notes, which will be issued at 100% of their face value, will be senior secured obligations of the Company and will rank pari passu the Company’s senior secured notes outstanding maturing in 2024. The notes will bear interest at a rate of 8% per annum, payable semi-annually in equal installments until the maturity date, unless they are redeemed or redeemed earlier. The Notes will mature on October 6, 2026 and may be redeemed in whole or in part at any time from time to time from the date that is two years after the date of issue at the applicable redemption price set out in the Notes. Additional trust deed to be entered into upon closing of the offering.

The placement is being made on a “best efforts” basis in accordance with the terms of an agency agreement, between the Company and Canaccord Genuity Corp., as sole agent and sole bookrunner, and is expected to close on 6 October 2021, subject to customary closing conditions, including approval by the Canadian Securities Exchange (the “CSE”). The Company has made the deposits required to list the Notes to be issued in connection with the Offering on CSE after the expiration of the Canadian legal hold period of four months.

We are pleased to announce this debt financing, which we believe is the largest to date of any public cannabis operator in the United States. Our strong balance sheet and profitability have enabled us to secure a cost of senior debt which we believe is the lowest for a public cannabis company to date.

Kim Rivers, CEO of Trulieve

This financing will provide capital to repay a portion of Harvest’s debt when we complete our acquisition and allow us to use our combined liquidity to aggressively pursue strategic growth initiatives in key markets after closing.

The Company intends to use the net proceeds of the Offering to redeem certain unpaid debts of Harvest Health & Recreation Inc. (“Harvest”) upon the completion of the acquisition of Harvest by the Company, as well as expenses. in fixed assets and for other general corporate purposes.

The offering and sale of the Notes have not been and will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), or the laws of any other jurisdiction, and the Notes are not offered only (1) to persons who are reasonably believed to be Qualified Institutional Purchasers (as defined in Rule 144A) or to Qualified Investors (as defined in Rule 501 of Regulation D) under exemptions from the requirements of ” Securities Act registration in accordance with Rule 506 (b) of Regulation D and / or in accordance with Section 4 (a) (2) of the Securities Act and similar exemptions under United States securities laws applicable and (2) outside the United States to certain non-US persons under Regulation S under the Securities Act. This press release does not constitute an offer to sell or the solicitation of an offer to buy, and there will be no sale of the Securities in any state or jurisdiction in which such an offer, solicitation or sale would be illegal. . The Notes will be offered for sale by private placement in Canada in accordance with applicable exemptions from the prospectus requirements of Canadian securities laws.

About Trulieve

Trulieve is primarily a vertically integrated “seed-for-sale” company in the United States and is the first and largest fully licensed medical cannabis company in the State of Florida. Trulieve grows and produces in-house and distributes these products to Trulieve branded stores (dispensaries) throughout the state of Florida, as well as directly to patients via home delivery. Trulieve also holds operating licenses in California, Massachusetts, Pennsylvania, Connecticut and West Virginia and has received notice of intent to license in Georgia. Trulieve is listed on the Canadian Stock Exchange under the symbol TRUL and trades on the OTCQX market under the symbol TCNNF.

To learn more about Trulieve, visit

Original press release

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Posted by NCV Newswire

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New Cannabis Ventures’ NCV Newswire aims to curate high quality content and information on leading cannabis companies to help our readers filter the noise and stay on top of the most important news in the cannabis market. The NCV Newswire is organized by hand by a publisher and is by no means automated. Do you have confidential topical advice? Get in touch.

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