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Earphorik Announces Major Winter Tour, Including Shows With UM Members & Mister F

first_imgUp and coming jam band Earphorik continue to make waves in the Midwest, bringing a unique sonic blend for fans far and wide. The band has some exciting plans put together for the New Year, with 40+ tour dates stretching from January 3rd through March 25th.The band had an exciting 2016, performing alongside bands like moe., TAUK, The Main Squeeze, The New Mastersounds, Aqueous, The Werks and more. They’re already looking ahead for some great shows in 2017, including co-headlining dates with Mister F and one very special Umphrey’s McGee after party. It’s very special because Jake Cinninger and Joel Cummins will be joining the band for their shows in Detroit on February 3rd! What fun.Check out video footage of Earphorik performing at Summer Camp 2016 with Jake Cinninger.You can see the full tour dates below, and head to Earphorik’s website for details.last_img read more

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Similar designs, 100 million years apart

first_img Probing the sparrow’s beastly past Related “Haley immediately recognized the similarities with a hadrosaur skull,” Tryon said. “None of us had made that connection until she came on board.”To get a clearer idea of the function of the bony crest at the front of the animal’s skull, O’Brien used high-resolution CT scans of the skulls to peer into their interior structure.“We were able to eliminate things like male aggression or heat regulation or moisture retention,” Tryon said. “It was the CT scans that really led us to figure out the function of the crest, because we reconstructed a highly detailed, 3-D model and used bioacoustics models that, in effect, blew air through the skull, and measured how it resonated.” The results suggest very low frequency and perhaps infrasonic sounds that would have traveled across long distances, useful for herd animals that lived in open grasslands like Rusingoryx and many of the hadrosaurs. “It turns out that these trumpeting creatures had a call that overlaps in frequency with the vuvuzela — a herd may have sounded like a South African soccer stadium.”Aside from an interesting story of convergent evolution across millions of years, Tryon believes Rusingoryx can also serve to provide greater context into one of the most pressing questions in paleoanthropology — what did the world look like as early humans moved out of Africa?“The Lake Victoria story is important because it’s … pretty clear that the largest lake in Africa was dry for much of the last 100,000 years,” Tryon said. “What that did was create the conditions where we saw a great deal of isolation, diversification, and evolutionary experimentation, and that’s part of why we see these very strange creatures.“This becomes important in the grand scheme of human evolution because it shows modern humans evolved in some context that was non-modern,” he continued. “Many people had thought that the animals 100,000 to 200,000 years ago were pretty similar to modern fauna, but these sites have shown that isn’t quite true. For me, the big picture this fits into is the question of how we go from point A to point B — how do we go from 200,000 years ago, with one population in one part of the world, to today, with people living everywhere. For me, the trick is to understand the role of ecology in explaining human diversity.” With a distinctive, bony crest that dominates much of its forehead, scientists have long felt that Rusingoryx atopocranion — a distant, extinct relative of the wildebeest — was, to put it mildly, unusual.But until Assistant Professor of Anthropology Christian Tryon and colleagues, including Haley O’Brien of Ohio University, got their hands on a number of complete Rusingoryx skulls, it wasn’t clear just how strange the animal was.Despite being separated by more than 100 million years of evolution, tests showed the crest was remarkably similar to the structure of the skulls of “duck-billed” crested hadrosaur dinosaurs. Like hadrosaurs, Rusingoryx likely used it as a resonating chamber to communicate with others or warn of predators. The study is described in a paper published earlier this year in Current Biology.“Some aspects of the shape of the skull jumped out right away as something that was unusual. As my colleague put it, only a fossil unicorn would have been more surprising,” Tryon said. “Rusingoryx had been described by other researchers in the ’80s, but only from a partial skull missing many of the interesting parts. It turns out that the original skull was incorrectly oriented when described. Until now, that had been the only specimen, so this was not on anybody’s radar.”What put the animal on Tryon’s radar was the region near Lake Victoria called Bovid Hill.While working at the fossil-rich site supported by the National Geographic Society, Tryon and others unearthed the first complete Rusingoryx skeletons several years ago. Some sort of catastrophic event seems to have wiped out a herd of these creatures. Evidence at the site suggested that the animals were either driven into a small stream by hunters or were brought down as they tried to cross the water.Armed with skulls collected from the site, researchers who were part of Tryon’s team in 2012 published a study that completed a taxonomic analysis that showed the animal was a distant relative of the wildebeest and corrected the earlier, incorrect orientation of the skull from earlier studies.But it wasn’t until a chance encounter with O’Brien — an evolutionary biologist and functional morphologist — that Tryon and others understood how Rusingoryx and dinosaurs might be similar. Change in developmental timing was crucial in evolutionary shift from dinosaurs to birds, researchers find last_img read more

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Blair Hamilton Student Scholarships create legacy for Efficiency Vermont co-founder

first_imgEfficiency Vermont,40 Scholarships Available for Students to Attend Efficiency Vermont’s Better Building by Design ConferenceEfficiency Vermont is honoring Vermont Energy Investment Corporation (VEIC) co-founder Blair Hamilton for his visionary leadership in energy efficiency and renewable energy through the creation of 40 student scholarships.Blair Hamilton, who died in the spring of 2011, was a driving force in creating Efficiency Vermont, the nation’s first energy-efficiency utility. A mentor and innovator in the field of energy efficiency research, policy, design and implementation, Blair helped create similar organizations and initiatives in other states and around the world.The Blair Hamilton Student Scholarships ‘ 40 one-day scholarships to attend Efficiency Vermont’s Better Buildings by Design on February 8 or 9 ‘ are available to college and high school students in Vermont as well as Vermont residents who are attending college out of state. Scholarship awards will be based on responses to a short essay question. Students who are not awarded a scholarship can still attend the conference at a special reduced rate of $100 per day.‘Blair was a true innovator who, 25 years ago, thought that lowering the economic and environmental costs of energy was a great ‘ and achievable ‘ goal,’ said VEIC co-founder Beth Sachs. ‘These scholarships are designed to honor that legacy and inspire the next generation of thinkers and doers.’In 2002, Blair was named a ‘Champion of Energy Efficiency’ by the American Council for an Energy-Efficient Economy. The following year, he accepted an innovation award from Harvard’s Kennedy School of Government on behalf of VEIC.The Blair Hamilton Student Scholarships are generously sponsored by VEIC.Efficiency Vermont was created by the Vermont Legislature and the Vermont Public Service Board to help all Vermonters reduce energy costs, strengthen the economy, and protect Vermont’s environment. Vermont Energy Investment Corporation (VEIC) operates Efficiency Vermont under an appointment by the Vermont Public Service Board. VEIC is a Vermont-based nonprofit organization founded in 1986. For more information, contact Efficiency Vermont at 888-921-5990 or visit www.efficiencyvermont.com(link is external).January 2012last_img read more

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How private student lending can lead to loyalty

first_img 10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Michael Weber As the Chief Marketing Officer, Michael not only builds awareness of Student Choice within the credit union industry but also works directly with client credit unions and business partners to … Web: www.studentchoice.org Details Student lending offers credit unions a chance to build early trust with a demographic that is getting tired of banks. And once that relationship is in place, the numbers can really add up.The numbers are downright scary.According to CUNA’s 2014/15 National Member and Non-Member Survey, the average age of a credit union member has now reached 48.5 years old. The survey also reports that only 35% of credit union members are in their peak borrowing years (ages 25-44), down from a whopping 51% in 1989. And in spite of all the discussion in the credit union space about growing membership among young adults, just 7% of members fall into the 18-24 age range, down from 9% in 2013.While these statistics are troubling enough, what should cause even greater angst for credit union lenders and marketers is how millennials view the future of banking. According to the Millennial Disruption Index  — a three-year study based on a comprehensive survey of more than 10,000 people born between 1981 and 2000 — banking is the industry that faces the highest risk of disruption.Per the study:71% of millennials would rather go to the dentist than listen to what banks are saying53% don’t think their bank offers anything different than other banks73% would be more excited about a new offering in financial services from Google, Amazon, Apple, PayPal, or Square than from their own bank (Hmmm … Apple Pay anyone?)33% believe they won’t need a bank at all in five yearsOuch.Making Relationships A RealityAt conferences and industry events, stats like those mentioned above are tossed around like grenades. Credit unions are inundated with ideas and strategies on how to build meaningful relationships with young adults, but the numbers from CUNA’s survey seem to indicate that results may be lacking.But what about simply offering a product that we know for a fact is needed by millions of college-age kids every year? Helping families navigate the confusing maze of how to best pay for college, while also offering a fair-value private student loan to those who need to fill educational funding gaps, is proving to be a very powerful connection source for many credit unions.Now that many of those credit unions have more than five years of experience offering this type of loan solution, it’s becoming clear that not only can this asset class perform extremely well (with annualized charge off ratios of less than 0.70%), but these borrowers are bringing real relationships and true member value to the credit union.Six credit unions (ranging in assets from $250 million to $5 billion), all offering a private student lending program through Credit Union Student Choice, recently analyzed their student lending borrowers. The numbers paint a very positive picture.Average checking account penetration was nearly 56%, while more than 21% had a credit card. Another strong indicator was that more than 9% had an auto loan with the credit union. According to one lender, total deposit balances for their student loan borrowers was more than $4.6 million while total loan balances (outside of their student loans) were approximately $3.7 million.Although credit unions are still working to track the sequencing of account relationships in order to determine when loan and deposit accounts were opened in relation to the student loan, it is clear that these young adults are not simply indirect borrowers. They present credit unions with a genuine opportunity to deliver a lifetime of financial services, an idea not lost on other lenders.In announcing its expanded student loan consolidation program in September, Citizens Bank referenced the importance of offering a student lending product in order to attract young, college-educated borrowers who will eventually need a mortgage, car loan, and other financial products.The time to engage this important segment of future borrowers is during the most critical stage of their young financial lives — financing higher education. Through the delivery of fair-value loans and corresponding education, credit unions can help, while also earning the loyalty that will translate to productive, long-term member relationships for years to come.last_img read more

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Dead Humpback Whale Found Off Westhampton

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York The partial remains of a dead humpback whale were found floating in the waters off Westhampton over the weekend, marine biologists said.Southampton Town Bay Constables towed the carcass, initially sighted approximately a half mile off of Fish Creek in Remsenburg, to the end of South Bay Avenue so a team of biologists from the Riverhead Foundation for Marine Research and Preservation could examine the whale on Saturday afternoon, officials said.“The animal was not intact, but they were able to determine it was humpback whale, and possibly a calf,” said Rachel Bosworth, a spokeswoman for the group. “Only the head and flipper had been recovered.”The cause of death is currently undetermined. Samples were taken and sent to a pathologist, but results may take several weeks. The carcass was taken to the Westhampton Transfer station where it will be buried by a town contractor.This carcass is the second dead humpback whale found on Long Island this spring. The first was found floating in Napeague Bay in Amagansett in April. At least a half dozen dead whales washed up on LI last year.Humpback whales are a threatened species that can grow up to 60-feet long, weigh 25-to-40 tons, and have a lifespan of 50 years, according to the National Oceanic and Atmospheric Administration (NOAA). They are threatened by getting entangled in fishing gear, struck by ships, harassed by whale watching boats, detrimental changes to their habitat and illegal hunting, NOAA said.The Riverhead Foundation urges anyone who finds marine wildlife stranded on the beach to call its hotline: 631-369-9829.last_img read more

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Sky Sports | Sports News

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Gorski kotar could get an umbrella tourist board?

first_imgAll representatives of tourism agree that Gorski kotar is a unique destination, but in that part of Croatia, with informal coordination of activities, there are currently as many as nine city and municipal tourist boards, reports Croatian radio. Glavina believes that the organization of the umbrella tourist board of Gorski kotar would not abolish the existing jobs in tourist offices. “With the establishment of one tourist community for the area of ​​Gorski Kotar, everyone can still keep their tourist information centers, and through them it is possible to perform a number of previous tasks. However, the goal of creating the Gorski kotar brand is to experience the area as a whole and not push individually any city or municipality”, He explained. “We have provided two separate funds to which those who choose the model of functioning through joint tourist boards will have access. At the same time, we increased the financial capacity of the fund, intended for underdeveloped tourist areas, estimating that Croatia cannot be developed as a year-round destination if we do not develop its continental part and rural areas.”, Said Tonči Glavina, State Secretary of the Ministry of Tourism. Residents of Gorski Kotar are in doubt about the legal changes – whether to maintain the status quo from the beginning of next year or to encourage the establishment of a joint tourist board that would be responsible for the destination. There are fears that the establishment of an umbrella tourist board, in addition to existing city and municipal ones, could further burden local budgets.center_img Residents of Gorski Kotar should not worry about the legal provision according to which tourist boards should pay 40 percent of their own income for employees’ salaries. “The goal is not to shut down the existing tourist boards, but to change the existing one and promote the project way of working. Projects have to be written, and with each new project revenue grows and the aforementioned 40 percent limit becomes a much smaller problem”, Concluded Glavina. Source / photo: Croatian Radiolast_img read more

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Ecuador’s Moreno calls for probe into handling of corpses in coronavirus outbreak

first_imgThe tweet included a copy of a formal complaint over alleged irregularities filed by Jorge Wated, the state official tasked with handling corpses during the crisis.The speed of the outbreak in Guayaquil left corpses uncollected in homes and even in some cases in the streets, forcing authorities to store bodies in refrigerated containers and later to open a cemetery to begin burying the dead, residents said.As of Wednesday Ecuador had about 4,450 cases of the disease, with 242 confirmed deaths and another 240 who are suspected to have died from the virus.Of those, 3,047 cases and 144 deaths were in the province of Guayas, where Guayaquil is located.Health Minister Juan Carlos Zevallos said on Tuesday he had sacked an official who requested money in exchange for handing over the remains of a victim in a Guayaquil public hospital.”Shameful, outrageous and intolerable. I have ordered the removal of this individual and the start of relevant legal actions so that this case does not go unpunished,” he said.Topics : Ecuadorean President Lenin Moreno on Wednesday called for an investigation into how local authorities handled the bodies of coronavirus victims in Guayaquil, the epicenter of the country’s outbreak that has overwhelmed health and sanitary authorities.Family members have complained via social media that public hospitals have failed to quickly locate the bodies of their loved ones and in some cases misidentified the remains.”We will not allow anyone to be buried without being identified. They deserve a goodbye with dignity!” Moreno wrote via Twitter.last_img read more

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UK politicians launch inquiry into ‘defined ambition’ pension schemes

first_imgBaroness Ros AltmannCDC pension schemes are not allowed in the UK, although they are common in the Netherlands and Denmark. In Germany they will become possible as of January , under certain conditions. Their introduction in the UK was once planned, however.As part of then pensions minister Sir Steve Webb’s aim for greater risk-sharing in pensions, in 2014 it was announced that the government intended to legislate to allow CDC plans. They were subsequently recognised as a distinct pension category in legislation created by the Conservative-Liberal Democrat coalition government, but plans for regulations to bring them into effect were shelved following the 2015 general election.Sir Steve’s successor as pensions minister, Baroness Ros Altmann, said this was because the government did not want to distract from other major reforms such as auto-enrolment and pension freedoms. Industry representatives had strong views about CDC schemes – the debate a few years ago came close polarising the industry. The committee has asked for written submissions by 8 January. It has posed questions under three headings: benefits to savers and the wider economy, converting defined benefit schemes to CDC, and how CDCs would be regulated.The politicians’ questions include:Would CDC deliver tangible benefits to savers compared with other models?How would a continental-style collective approach work alongside individual freedom and choice?Could seriously underfunded DB pension schemes be resolved by changing their pension contract to CDC, along Dutch lines?Is there appetite among employers and the UK pension industry to deliver CDC?Would CDC funds have a clearer view towards investing for the long term? The WPC is also carrying out an inquiry into pension freedoms, launched in September.The lawmakers also said that CDC had been identified as a potential source of longer term investment in growing start-up companies. Unlocking such investment was one of the policies presented by chancellor Philip Hammond in his Budget statement this week.Arguments made against CDC schemes, according to the committee, were that they could further fragment the pension landscape, suffer from lack of demand, or run counter to the trend towards greater individual freedom and choice in pensions. Sir Steve Webbcenter_img A cross-party group of UK politicians has launched an inquiry into the merits or otherwise of collective defined contribution (CDC), also referred to as deferred ambition plans.The Work and Pensions Committee (WPC) of the parliament’s lower house today announced it was seeking views on CDC schemes as “the type of retirement saving plan with the potential to address some of the concerns that policymakers and the public have about the current pension ‘offer’”.Frank Field, Labour Party MP and chair of the committee, said: “What the select committee is aiming for is to retain some of the best features of company schemes in a different age when employers are no longer willing or able to sustain the burden of final salary promises to employees, who could instead club together and pool the risk themselves.”Setting out its inquiry, the committee highlighted arguments in favour and against the introduction of CDC plans. These include that they would “take the central decision of pension freedoms out of retirement planning, and also much of the risk”.last_img read more

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Utah man may have contracted Zika from dying father’s tears

first_imgHealthInternationalLifestylePrint Utah man may have contracted Zika from dying father’s tears by: Associated Free Press – September 29, 2016 67 Views   no discussions SALT LAKE CITY (AP) — A Utah man who mysteriously contracted Zika from his infected father may have got it by touching his dad’s tears or sweat with his bare hands, according to new research that found the unusual transmission method was likely caused by his dying father having 100,000 times the normal level of the virus.The research done by University of Utah doctors and published Wednesday in the New England Journal of Medicine, doesn’t give definite answers to why the father’s levels were so high or why the son contracted the virus in a way not documented anywhere else. But it does offer new details about the events the led to a case that has puzzled researchers.The father, 73, had been diagnosed with prostate cancer eight months before his June death, the report says. He was receiving radiation therapy and anti-androgen therapy, which may have made it easier for the virus to replicate, said Dr. Sankar Swaminathan, chief of the infectious diseases division at University of Utah Health Care. But Swaminathan said the cancer and treatment doesn’t totally explain why the man had such extremely high levels.He became ill after returning from a three-week trip to the southwest coast of Mexico, his native country that he left in 2003 to move to the United States, the paper says. The report still doesn’t provide the man’s name or the exact spot in Mexico he visited.In Mexico, he ate ceviche and soft boiled turtle eggs and went fishing in the ocean, but those food choices and activities played no role in coming down with the virus, Swaminathan said. He and other family members were bitten by mosquitoes, leading him and several others to come down with Zika.His son, a healthy 38-year-old, became sick five days after visiting his father in the hospital and was diagnosed with Zika. He recovered and later told doctors that he had helped nurses care for his father, including wiping his eyes without gloves.None of the nurses or doctors who treated his father became sick, or did other family members. Health officials and researchers tested mosquitoes in the Salt Lake City area and didn’t find any Zika-infected bugs.The virus causes only a mild illness in most people. But during recent outbreaks in Latin America, scientists discovered that infection during pregnancy has led to severe brain-related birth defects.Researchers in this new report concur with a previous assessment by the U.S. Centers for Disease Control and Prevention that the son contracted the virus through a new method other than the two main sources: mosquito bites and sexual activity with an infected person.But Swaminathan said the findings don’t mean people visiting Zika-infested areas and countries need to wear gloves all of the time. They believe the rare transmission happened primarily because the father’s extremely high levels of the virus.“There’s no risk of shaking hands with a person who has a typical Zika infection,” said Swaminathan, who treated the two.last_img read more

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