Big data and the credit union movement

first_imgby: Austin WentzlaffThe use of Big Data is becoming a crucial way for leading companies to outperform their peers. In most industries, established competitors and new entrants alike will leverage data-driven strategies to innovate, compete, and capture value.Big Data provides credit unions with the ability to make better, fact-based decisions that allow for the discovery of vital trends in member behavior, resulting in improved financial performance, reduced risk, and enriched relationships with members.OnApproach’s CEO, Paul Ablack, commented, “Big Data and Analytics presents both opportunity and challenge for credit unions. While credit unions are rich in data, which is growing exponentially, they lack the infrastructure to effectively integrate, store, and analyze that data. Meanwhile, credit union members are being conditioned every day to expect more personalized information at their fingertips through all aspects of their lives. This information expectation will soon, if not already, be a top strategic priority for credit unions.” continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Benchmarks focuses on Constitution Revision Commission

first_img March 1, 2016 Regular News Benchmarks focuses on Constitution Revision Commission FLORIDA BAR MEMBERS, attending the Benchmarks seminar at the Bar’s Winter Meeting in Orlando, participate in an exercise focusing on the upcoming Constitution Revision Commission. In Florida, the CRC convenes every 20 years to hold public hearings around the state and then places amendments to the Florida Constitution directly on the ballot for voters’ decisions. After attending the session in Orlando, attorneys will take the CRC presentation to civic and community groups in their hometowns to teach about the commission and its work. Benchmarks presentations can be downloaded from The Florida Bar website. Attorneys receive CLE credit for making Benchmarks presentations: one ethics credit hour for each presentation for up to three presentations in a three-year reporting period. The Orlando seminar was presented by the Constitutional Judiciary Committee.last_img read more

Caitlyn Merzbacher adjusts to first year without her dad coaching

first_img“The difference in singles was actually a little bit of a shock to me coming from juniors to college,” Merzbacher said. “Working on my movement and quickness, attacking and moving forward on the court trying to transfer some of the doubles skills like being at the net more into singles play has been a big factor in my success.”Her doubles partner, Safdar, have known each other for a long time. Merzbacher was living in Ohio while her dad was coaching at Ohio State. Caitlyn Merzbacher grew up around the Columbus area, while Safdar lived closer to Cincinnati. They developed a unique bond even before they were teammates at Minnesota, as they saw and played against each other in junior tournaments across Ohio. The pair have used their close understanding of one another to help them on the court in the No. 1 doubles spot. Safdar said they know what each other are thinking out there and understand each other’s games well. Safdar also said Caitlyn has been a close friend for a while and isn’t surprised she is doing so well in singles matches this year.“I think something that is great about Caitlyn is that when she gets the opportunity she embraces the challenge,” Safdar said. “She shows in her play that is where she is supposed to be and she performs really well under the pressure.”Thompson said that she had conversations with Chuck Merzbacher prior to the season and said he was really helpful showing her the ropes. Thompson talked with Caitlyn Merzbacher and said she understands that she has had one coach her whole life and it would be tough to transition. “With Caitlyn, I just talked about making sure she was open to new coaching philosophies,” said head coach Catrina Thompson, who took over for Chuck Merzbacher in August. “For anybody it is tough to deal with change, but she has been incredible.” Caitlyn Merzbacher adjusts to first year without her dad coachingThe junior has gone 9-1 in singles and 8-2 in doubles this year.Jack Rodgers, Daily File PhotoJunior Caitlyn Merzbacher returns the ball during her singles match against the University of South Dakota at the Baseline Tennis Center on Friday, Feb. 9. Max BiegertFebruary 22, 2018Jump to CommentsShare on FacebookShare on TwitterShare via EmailPrintJunior Caitlyn Merzbacher had one tennis coach her whole life. Chuck Merzbacher was the women’s tennis coach at Minnesota for five years and, in his last two years for the Gophers, he coached his daughter, Caitlyn Merzbacher. Caitlyn Merzbacher, now a junior, has gone 9-1 in singles matches in her first year without her father at the helm. She has more than doubled her victory total from her first two years at Minnesota. She also plays with Mehvish Safdar in the No. 1 doubles spot, where they have gone 8-2 this year. “I definitely think it has been a good change for me too, just to be like a normal kid on the team,” Merzbacher said. “I loved having my dad as a coach, and I wouldn’t want to change anything about that, but being able to come into my own as a player and a teammate has been really nice.” Merzbacher has played in three singles spots this season. She has fluctuated between mostly the No. 4 and No. 5 spots, but she picked up a victory in her only time playing in the No. 3 spot this season. Merzbacher said it has taken her longer than she thought to get used to playing singles. She grew up playing doubles with her dad and focused more of her time on doubles than she did singles. When Merzbacher came to college, she noticed the difference of singles play right away. She said the more she played singles matches, whether it was in college or during the summer, the more comfortable she felt. Merzbacher said she needed to utilize some of the skills in doubles into her strategy for singles matches if she wanted to be successful.last_img read more

Stewardship / Resistance Scan for Oct 22, 2019

first_imgWHO issues toolkit for stewardship programs in low-resource countriesThe World Health Organization (WHO) yesterday published a roadmap for implementing antimicrobial stewardship programs in healthcare facilities in low- and middle-income countries (LMICs).The WHO toolkit provides guidance on the core elements and structures that need to be in place at the national and facility level in low-resource countries to establish and support antimicrobial stewardship, along with detailed recommendations on how to plan, perform, and assess stewardship interventions. It also provides an overview of the core competencies that an antimicrobial stewardship team needs to facilitate more responsible antibiotic prescribing, and the education and training required to develop those competencies.The aim of the toolkit, according to Hanan Balkhy, MD, the WHO’s assistant director-general for antimicrobial resistance (AMR), is to offer practical guidance to LMICs to support objective 4 of the Global Action Plan on AMR—optimizing the use of antimicrobial medicines.”It is my sincerest hope that this toolkit will be helpful to countries in implementing their national action plans on AMR, in particular in optimizing their use of antibiotics,” Balkhy writes in the foreword. “Time is running out, but we still have a window of opportunity to turn the tide on AMR and ensure continued effective treatment of bacterial infections for future generations. Let us act now.”Oct 21 WHO toolkit for stewardship in LMICs G20 health ministers reaffirm commitment to urgent action on AMRIn a statement issued after their recent meeting in Japan, health officials from 19 countries and the European Union have reaffirmed their commitment to take urgent action to address AMR.The Okayama Declaration, released following the Oct 19-20 meeting of G20 Health Ministers in Okayama, Japan, contains several commitments to address major health issues, which have been a focus of the group since 2017. In addition to AMR, the document reaffirms commitments to universal health coverage, active and healthy aging, and strengthening health systems against infectious disease outbreaks and other global health threats.On AMR, the ministers say they will strengthen efforts to fund, implement, monitor, and update national and regional AMR action plans; enhance implementation of measures to provide clean water, sanitation, vaccination, and hygiene to improve infection control; promote antimicrobial stewardship and appropriate access to antimicrobials and diagnostics; encourage countries to strengthen AMR surveillance; and encourage investment in research and development of new antibiotics, diagnostics, and vaccines.The document also acknowledges the need for a coordinated approach to addressing AMR and universal health coverage in order to achieve the 2030 Agenda for Sustainable Development. Oct 20 Okayama Declaration FDA details progress made in veterinary antimicrobial stewardshipYesterday the US Food and Drug Administration (FDA) made public performance measures for tracking the progress of the Center of Veterinary Medicine’s (CVM’s) Five-Year Plan for Supporting Antimicrobial Stewardship in Veterinary Settings, the FDA said in an update. The information is contained in FDA-TRACK, which monitors progress on FDA projects. The CVM 5-year plan contains three goals:Align antimicrobial drug product use with the principles of antimicrobial stewardshipFoster stewardship of antimicrobials in veterinary settingsEnhance monitoring of AMR and antimicrobial use in animalsThe new performance measures pertain to the first goal and include implementing Guidance for Industry #213, which brings 292 medically important antimicrobials under veterinary oversight, defining the duration of use for 70% of medically important antimicrobial drugs used in food animals, assessing antimicrobial risk, and updating the list of medically important antimicrobials. Performance measures for the other two goals will be made available in the coming year, the FDA said. Oct 21 FDA update FDA-TRACK progress reportlast_img read more

Studies note more at-home heart attacks, delayed ED visits in pandemic

first_imgThe incidence of nontraumatic out-of-hospital cardiac arrests in New York City was three times higher during the start of the COVID-19 pandemic than in the same period the year before, which researchers who published a study late last week in JAMA Cardiology say points to a need for more effective healthcare outreach amid crises.The findings of a separate study, published today in the US Centers for Disease Control and Prevention’s (CDC’s) Morbidity and Mortality Weekly Report, highlight the importance of seeking emergency care amid the pandemic, with emergency department (ED) visits down 23% for heart attack, 20% for stroke, and 10% for critically high blood glucose levels from Mar 15 to May 23 from the previous 10 weeks.Tripling of out-of-hospital cardiac arrestsIn the first study, the authors analyzed data from 3,989 patients who had an out-of-hospital cardiac arrest requiring resuscitation by New York City 911 Emergency Medical Services from Mar 1 to Apr 25 and 1,336 who required the same service in 2019. They found an incidence of out-of-hospital cardiac arrest of 47.5 per 100,000 people during the pandemic, versus 15.9 per 100,000 people in 2019.Patients who had an out-of-hospital cardiac arrest in 2020 were older (mean age, 72 years), compared with 68 years in patients in the comparison period. They were also less likely to be white (20.4% vs 32.9%) and more likely to have high blood pressure (53.5% vs 45.7%), diabetes (35.7% vs 26.0%), and physical limitations (56.6% vs 47.5%).In 2020, the odds of asystole (flatlining) were higher than in the year before (odds ratio [OR], 3.50; 95% confidence interval [CI], 2.53 to 4.84; P < .001), as were the odds of pulseless electrical activity (OR, 1.99; 95% CI, 1.31 to 3.02; P = .001).The pandemic also saw significant reductions in return of spontaneous circulation (ROSC) (18.2% vs 34.7%, P < .001) and sustained ROSC (10.6% vs 25.2%, P < .001) and a death rate higher than 90%.The authors said that they cannot attribute the cardiac arrests to COVID-19 but that their data suggests that the high incidence of out-of-hospital events could be the result of vulnerable people delaying care because of fear of contracting the virus in a healthcare setting, lack of access to healthcare, or the reluctance of first responders with inadequate personal protective equipment to perform more invasive ventilation procedures that generate virus-containing aerosols.Fear of infection, lack of healthcareIn the CDC study, data from the CDC's National Syndromic Surveillance Program showed that, since the number of ED visits bottomed out in late March, ED visits for heart attack and stroke have gradually risen but are still lower than normal.The decline in ED visits for high blood sugar occurred largely among people aged 18 to 44 years, especially women, while the decline in visits for heart attack was largest among patients 65 to 74 years old for both men and women. The largest decreases in visits for stroke was among men aged 65 to 74 years and women aged 75 to 84.The largest absolute differences in visits for heart attack and stroke were seen in patients 65 years and older, while adults aged 18 to 44 years and children had the largest decline in visits for high blood sugar.The researchers said that the decline in ED visits may be attributable to fear of exposure to the novel coronavirus, an inability to access healthcare, public health recommendations to minimize nonurgent visits, or stay-at-home orders. They added that the overall decline in ED visits may be at least partially responsible for the abnormally high rate of deaths not linked to COVID-19.The authors said that anyone having chest pain, loss of motor function, altered mental status, or other serious issues should visit an ED right away, pandemic or  not. "Communication from public health and health care professionals should reinforce the importance of timely care for acute health conditions and assure the public that EDs are implementing infection prevention and control guidelines to ensure the safety of patients and health care personnel," they wrote.last_img read more

New Mexico Delegation Announces $3 Million Grant For Youth Behavioral Health

first_imgCONGRESSIONAL DELEGATION News: “This grant will help CYFD in its work to rebuild community based mental health care services in Sandoval, Chaves and Valencia Counties. This is part of a broader plan to rebuild community-based supports statewide,” CYFD Secretary Brian Blalock said. “The department is really excited to be able to provide wraparound services to children with complex needs in these communities.” “Part of supporting our youth is also ensuring that the appropriate resources exist when they face behavioral health issues, no matter where they live. This newest HHS grant will allow local organizations to expand their infrastructure to ensure that young people living in rural communities have access to the innovative behavioral health services they need closer to home,” Torres Small said. “New Mexico’s most rural communities often lack the infrastructure and resources needed to support necessary innovative behavioral health practices to serve our youth battling serious behavioral health issues,” Udall, a member of the Senate Appropriations Committee, said. “This HHS grant will help our local communities expand initiatives already in place and support new enterprises to bolster access to cutting edge behavioral health support for families in New Mexico, no matter where they live.” “We need to rebuild and expand behavioral health services in New Mexico—particularly in our rural communities—so that families can get the help and support they need,” Heinrich said. “This grant will help fund the initiatives and personnel necessary to enhance the quality of life for those struggling with behavioral health issues, and expand services for children and youth regardless of income or where they live.” The CYFD BHS will use this grant to expand the existing infrastructure and capacity of the statewide behavioral health service system for children and youth ages 0-21, especially in rural communities which traditionally lack the funding to provide adequate behavioral health services.center_img “As New Mexico rebuilds our behavioral health infrastructure, this grant will be crucial in ensuring that young New Mexicans have access to the critical services they need. Rural communities face unique challenges seeking care, and I’m excited to see this investment in community health care providers that will help eliminate barriers for our families,” Luján said. WASHINGTON, D.C. — U.S. Senators Tom Udall (D-N.M.) and Martin Heinrich (D-N.M.) and U.S. Representatives Ben Ray Luján (D-N.M.), Deb Haaland (D-N.M.), and Xochitl Torres Small (D-N.M.), announced that the United States Department of Health and Human Services (HHS) awarded a $3,000,000 grant to New Mexico’s Children, Youth, and Families Department’s Behavioral Health Services (CYFD BHS). “Anyone who is struggling with their behavioral health should have access to the help they need no matter where they live. However, when New Mexico’s behavioral health system was dismantled in 2013, our communities lost the resources to tackle the struggles our families face,” Haaland said. “This grant for rural communities will increase access to age-appropriate behavioral health services for young people so they can manage their behavioral health early in life.” The grant will help the CYFD BHS enhance the behavioral health workforce, engage youth, family and community members, improve interagency collaboration, expand the service array for children and youth, and utilize ongoing Continuous Quality Improvement framework. Trauma-informed care, family peer support services and mobile crisis response units and other services will be made available to an estimated 600 children over the life of the grant. Additionally, local communities will work with CYFD BHS to align funding streams with existing initiatives to ensure access to these services are sustainable.last_img read more

By Innovation Only: The Rebirth Of A Resort

first_imgDecades ago, Pulitzer Prize winning New York Times architectural critic and East Hampton resident Paul Goldberger, wrote a cautionary piece called “The Strangling Of A Resort,” describing what he thought at the time were signs of the Hamptons’ imminent demise. In many ways, Goldberger was right. The Hamptons have struggled with several of the issues he warned about. However, in many cases, those dangers have been eliminated or at least minimized.That’s not to say the Hamptons haven’t changed — they’ve changed a great deal — or that they’re perfect; they’re not. However, the Hamptons and the East End are still a uniquely beautiful community that retain many of the characteristics that have attracted people here for centuries, for work and play. Nevertheless, while the region has to a large degree avoided becoming a blighted, banal suburban landscape, new challenges have popped up.One challenge is the increased polarization of the economy. While not unique to the Hamptons, polarization has made it more difficult for many to live and work in the community they call home, leading to a steady “brain drain.” Much of the middle class is being displaced, while others are prevented from joining us. Overall, this transformation can stifle creativity, vibrancy, and hamper economic opportunity for many on the East End. There are ways to address this struggle others have recommended, each with unique benefits and pitfalls. We’d like to suggest an additional route.In the months ahead, we will be showcasing the stories of a new breed of Hamptons resident in this space. Innovators are creating the future of the Hamptons, driven by insight, courage, and technology to build thriving businesses in the digital economy that don’t fit the dominant mold of our resort economy. It’s increasingly clear that living and working in the Hamptons, and building a healthy middle-class, requires a new business ecosystem. This is one of the missions of The Spur.The Spur, a co-working space in Southampton Village, is working to bring together entrepreneurs, creatives, visionaries, techies, academics, and business leaders — across generations — to help curate and support the next wave of businesses needed for the East End to continue to thrive. Not only will this resurgence generate much-needed business diversity and opportunity, it will contribute to a more dynamic cultural experience as new businesses and their employees seek out more enriching and valuable year-round outlets, smoothing out the valleys of the off-season. This is another mission of The Spur.In addition to being a cool workplace, our space is used for art exhibits, business seminars, educational programs, music sessions, guest appearances, and even the occasional wine tasting. We don’t only provide space for entrepreneurs to run their businesses, we roll up our sleeves and help them gain the tools and knowledge they need to achieve success. The Spur facilitates engagement between business leaders and others in ways that are not possible at the library, a coffee shop, or even traditional offices. Like the Hamptons, work is changing, and we’re at the forefront of that change. We’ll also highlight some of that programming in this space so you can be part of this transformation.One example is our Riptide “Sink Or Swim” contest. Modeled after the popular “Shark Tank” show, we’re giving local entrepreneurs a chance to win up to $50,000 to fund their start-up business. About 20 businesses have entered. Our “sharks” will decide who has the best idea on November 10 at the Southampton Arts Center. Don’t miss that or this column, where we will continue to offer insight into ways we think we can create business opportunities and economic independence for a new generation of South Fork and North Fork residents. In a way, that’s not much different than what bonackers, baymen, and farmers did generations ago. Hope you join us on the journey.Ashley John Heather is the founder of The Spur in Southampton. The Spur is built by entrepreneurs for entrepreneurs. Its mission is to bring together the creatives, innovators, and entrepreneurs across the Hamptons. By providing a central hub to work (and play), The Spur will provide all the essential resources to help you grow your ideas and businesses. Learn more at www.thespur.com. Sharelast_img read more

ESAB introduces a low hydrogen flux

first_imgSubscribe Get instant access to must-read content today!To access hundreds of features, subscribe today! At a time when the world is forced to go digital more than ever before just to stay connected, discover the in-depth content our subscribers receive every month by subscribing to gasworld.Don’t just stay connected, stay at the forefront – join gasworld and become a subscriber to access all of our must-read content online from just $270.last_img

Bonanza for lawyers – it’s all in the angle

first_imgI came across an article on the Telegraph website the other day which is almost certain to outrage hardworking lawyers – but hey, I’ll force it upon you anyway because once we get over the annoyance, there’s a lot to be learnt from it.The article was about the latest employment tribunal statistics which show a large rise in the number of people making claims. How would you imagine such a story would be written? Well, a simple, factual approach might be something like: There has been an increase in the number of employment tribunal claims …. That’s the sort of dry approach taken by the Employment Tribunal Service itself in its press release. It’s a bit boring though. How could it be spiced up? Here’s how the Telegraph approached it: Rocketing employment tribunal numbers prove a windfall for lawyers but bad news for employers who feel compelled to settle out of court whatever the merits of the claim. Nick Kehoe is a former television and newspaper journalist. He is now managing director at law marketing firm Media Coverage Another line says: ‘Claimants are said to be opting for legal representation to improve their chances of winning bigger awards …’. The implication being that there’s something unfair about hiring a lawyer to protect your interests. The article continues in that vein of the poor oppressed employer, greedy worker and even greedier lawyers who are ‘benefiting from a big increase in business’. Now I’m sure that being presented as fat cat lawyers boosting their business through the misfortune of others will be quite irritating to most solicitors. If you have seen business diminish over the last few years, maybe seen colleagues lose their jobs or even seen law firms close down, then it’s going to be galling to be presented as if you’re raking it in from dodgy employment claims. But let’s leave the annoyance aside for a moment and see if there’s anything we can learn from this. It’s not for me to speculate about the Telegraph’s agenda but clearly they didn’t think the bare facts of the story were sufficient to grab the reader’s attention. Their response, as will always be the case with the media, was to find an angle that would appeal. In this case, they focused on bonanza time for lawyers. On another day or if another one of their staff had written the story, they might have concentrated more on the claimants themselves – along the lines of whether they are playing the system with bogus claims. They could find any one of a dozen different angles but they will all have one thing in common – they will try to inspire an emotional reaction. It could be anything from anger to aspiration but it will always be there because emotion engages people and makes them want to read on. Could you as lawyers do the same when writing blog posts or website articles to market your firm? Why shouldn’t you? Just as the devil shouldn’t have all the best tunes, neither should the media have all the best angles. Let me say straightaway that I am not advocating any distortion or twisting of the facts here. I’m just pointing out that in most major legal developments there are numerous themes to be explored. It makes sense that you should concentrate on the theme that matters most to you and reflects the legal services you offer. For example, if you are an employment lawyer who specialises in representing claimants then the tribunal statistics offer you a good marketing opportunity. Your angle might be along the lines of: ‘More and more people are seeking legal advice when threatened with redundancy or unfair treatment at work’. This puts the concept of seeking legal advice in people’s minds. It offers them the comfort of knowing that lots of others are consulting solicitors so why shouldn’t they? Your article could go on to quote the figures and then discuss the benefits of consulting a specialist solicitor when faced with a problem at work. A solicitor will increase their chances of getting a better settlement – and so on. The emotions being aroused include reassurance that approaching a solicitor is the right thing to do and the aspiration that getting legal advice means a better pay-out. Of course, if you specialise in representing employers then you will need to take a different angle and inspire different emotions. Fear, I suppose, is the obvious choice. You could try something like: ‘Employers need to protect themselves against the increasing threat of costly tribunal claims.’ This time, instead of the employee’s aspiration to win a big settlement, you evoke the employer’s dread of having to pay out money he can scarcely afford at a time when his business may already be struggling. You can explain how you can help him put employment policies in place to reduce the risk of costly claims. Whatever angle you take, the facts remain the same and they aren’t distorted in any way. They’re just approached from different points of view depending on the kind of client you are targeting. This approach can be applied to any article and make your writing much more effective when marketing your legal services. center_img Visit the Gazette’s blogs page for more In Business blogs Bonanza for lawyers in tribunal cases last_img read more

Knowing the form

first_imgSubscribe now for unlimited access Get your free guest access  SIGN UP TODAY Subscribe to Building today and you will benefit from:Unlimited access to all stories including expert analysis and comment from industry leadersOur league tables, cost models and economics dataOur online archive of over 10,000 articlesBuilding magazine digital editionsBuilding magazine print editionsPrinted/digital supplementsSubscribe now for unlimited access.View our subscription options and join our community To continue enjoying Building.co.uk, sign up for free guest accessExisting subscriber? LOGIN Stay at the forefront of thought leadership with news and analysis from award-winning journalists. Enjoy company features, CEO interviews, architectural reviews, technical project know-how and the latest innovations.Limited access to building.co.ukBreaking industry news as it happensBreaking, daily and weekly e-newsletterslast_img read more