photographs: Scott BurrowsPhotographs: Scott Burrows Westera Partners + 15 Share “COPY” River Room / Shaun Lockyer ArchitectsSave this projectSaveRiver Room / Shaun Lockyer ArchitectsSave this picture!© Scott BurrowsHouses•Brisbane, Australia 2012 Focus Build Area: 292 m² Area: 292 m² Year Completion year of this architecture project Year: Australia River Room / Shaun Lockyer Architects Projects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/380465/river-room-shaun-lockyer-architects Clipboard ArchDaily ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/380465/river-room-shaun-lockyer-architects Clipboard CopyAbout this officeShaun Lockyer ArchitectsOfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesBrisbaneHousesAustraliaPublished on June 03, 2013Cite: “River Room / Shaun Lockyer Architects” 03 Jun 2013. ArchDaily. Accessed 11 Jun 2021.
Re-examining Data Privacy Under the FCRA Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Borrowers consumers data FinTech GAO Lending Predatory Lending Practices Senate Banking Committee Technology World Privacy Forum 2019-06-11 Radhika Ojha June 11, 2019 3,370 Views Share Save The Best Markets For Residential Property Investors 2 days ago Previous: How Best to “Age in Place” Next: U.S. Real Estate is a Hot Commodity for Foreign Buyers in Daily Dose, Featured, Government, News About Author: Radhika Ojha Print This Post Servicers Navigate the Post-Pandemic World 2 days ago The structure and practices of the data broker industry and technology companies, such as large social media platforms and the gaps that exist in federal privacy law as well as the changes to federal law, including the Fair Credit Reporting Act (FCRA), that should be considered to give individuals real control over their data were the focus of discussion at a Senate Banking Committee hearing on Tuesday.Dr. Alicia Cackley, Director of Financial Markets and Community Investment at the Government Accountability Office (GAO); and Pam Dixon, Executive Director of the World Privacy Forum answered the committee’s questions at this hearing titled, “Data Brokers and the Impact on Financial Data Privacy, Credit, Insurance, Employment, and Housing.”Opening the proceedings, Sen. Mike Crapo, Chairman of the Senate Banking Committee said that more personal information was available to companies than ever before “as a result of an increasingly digital economy.”“In particular, data brokers and technology companies, including large social media platforms and search engines, play a central role in gathering vast amounts of personal information, and often without interacting with individuals, specifically in the case of data brokers,” Crapo said.Giving an example of how fintech was impacting unregulated credit scores, Cackley said, “Fintech lenders offer a variety of loans such as consumer and small business loans and operate almost exclusively online. In our 2018 report, we noted that while these lenders may still assess borrowers’ creditworthiness with credit scores, they also may analyze large amounts of additional or alternative sources of data to determine creditworthiness.” Additionally, she said that the report also found that some fintech firms collected more consumer data than traditional lenders. “For example, fintech lenders may have sensitive information such as consumers’ educational background or utility payment information, and according to certain stakeholders, these data may contain errors that cannot be disputed by consumers under FCRA,” Cackley told the committee.Dixon offered four observations about this subject during her testimony:Credit scores and predictions are being sold that are not regulated by the FCRAThe technology environment is facilitating more scores being used in more places in consumers’ lives, and not all uses are positiveThese scores are created without due process for consumers These scores can cause consumers exceptional harmShe also offered two solutions to Congress to overcome these challenges by expanding the Fair Credit Reporting Act to regulate the “currently unregulated financial scores that affect consumers” and enacting a standards law that “will provide due process and fair standard setting in the area of privacy.” Answering a question on whether all consumer scores were covered under the FCRA so that there’s a similar appeals process to resolve inaccuracies, Dixon said, “No consumer credit scores that are currently unregulated covered under the FCRA. Unless it is a formal credit score that is articulated by the FCRA and used under an eligibility circumstance it’s not covered.”Answering a question by Sen. Crapo on how unregulated credit scores that were created for people and managed by artificial intelligence (AI) impacted consumer credit and their financial decisions, Cackley said that while these scores may not be the official credit scores taken from the credit bureaus that were regulated by FCRA, “they can be applied to decisions that companies make about the kind of products they offer to people, and the price those products are offered.” Cackley added that the products were offered “based on a score that a consumer doesn’t necessarily see and can’t even tell if it is correct or can’t make any attempt to improve the score even if they know it exists.”Speaking about how predatory lenders tend to take advantage of these scores, Dixon, answering a question by Ranking Member Sen. Sherrod Brown, said that her organization often got calls from people who received advertisements for financial products they didn’t understand “that they could have gone out in the market and affirmatively looked for the best offer.”“So these predatory marketing devices based on unregulated scores are very significant. Other significant scores are those that predict repayment of the debt,” she said. “For example, the poorest of consumers are targeted the most for debt repayment by companies that use [unregulated data] like the consumer lifetime value scores that impact how well you’re treated by businesses.” Similarly, she added that companies and education institutions also used a score called the “neighborhood risk scores that decide the way forward for a kid’s education.”“This is a modern way of redlining because if we are going to be scored by where we live how have we advanced and how have all the laws that are meant to protect from such things operating if such things are still happening?” Dixon asked.Click here to read Dixon and Cackley’s testimonies and watch the hearing. Related Articles Home / Daily Dose / Re-examining Data Privacy Under the FCRA Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago Tagged with: Borrowers consumers data FinTech GAO Lending Predatory Lending Practices Senate Banking Committee Technology World Privacy Forum Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days ago
Google+ Google+ Facebook Previous articleMan arrested after Raphoe burglaryNext article83% want to continue to work remotely when restrictions ease News Highland Twitter The Chair of the Joint Policing Committee in Donegal is backing calls for more CCTV in the vicinity of the park at Ballyboe between Meadowbank and Dr McGinley Road.There have been a number of incidents in recent weeks, including the Easter Sunday arson attack on a communications mast, and the setting fire to a number of bushes last Wednesday evening.Residents are calling for CCTV as a matter of urgency, local Cllr Gerry McMonagle says there is already some coverage from the Glencar Shopping Centre, but more can be done……..Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2020/05/gmacpark.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Derry draw with Pats: Higgins & Thomson Reaction McMonagle backs calls for further CCTV Twitter By News Highland – May 11, 2020 FT Report: Derry City 2 St Pats 2 News, Sport and Obituaries on Monday May 24th Pinterest Facebook DL Debate – 24/05/21 WhatsApp Journey home will be easier – Paul Hegarty Harps come back to win in Waterford Pinterest AudioHomepage BannerNews RELATED ARTICLESMORE FROM AUTHOR WhatsApp
Written by Tags: Dixie State Athletics/Dr. Jason Boothe/Jason Carter/Richard B. Williams/Rocky Mountain Athletic Conference Brad James August 28, 2018 /Sports News – Local Dixie Athletics Featured On the RMAC Showcase on Altitude TV FacebookTwitterLinkedInEmailST. GEORGE, Utah-An announcement released late Monday confirms Dixie State athletics will be the focal point of a feature on the “RMAC Showcase” Wednesday on Altitude Sports.The Trailblazers, who have completely joined the football program in the Rocky Mountain Athletic Conference, are the newest member of this 16-school league that has members in Colorado, Nebraska, New Mexico, South Dakota and Utah.This episode is the program’s season premiere and will air on Altitude Sports Wednesday at 6:30 p.m. MDT.This month’s RMAC Showcase, hosted by Jason Carter, a Colorado Springs, Colo.-based Altitude Sports reporter, consists of 2018 Trailblazers sports previews.This profiles Dixie State’s men’s basketball, baseball, women’s softball and men’s golf programs.The show will also feature interviews with Dixie State president Richard B. Williams and director of intercollegiate athletics Dr. Jason Boothe as well as segments from the 2018 RMAC football kickoff from earlier this month.
Every year reports emerge about the difference in results between male and female Finalists. However, a survey has uncovered worrying ambivalence among students at Oxford towards the notorious ‘Finals Gap’.Research has revealed that a significant gender gap exists in Finals results in six out of the twelve main subjects at Oxford. These subjects are English, History, Classics, Philosophy, Maths and Physics. Women have not once outperformed men in English, History or PPE between 1996 and 2008.There are only three British universities with a larger and more persistent gender gap: Bristol, Imperial and Warwick.Yet in a survey completed by over 250 students, only 50% considered that the gender gap was a problem that should be addressed by the examining board. Many students seemed to be completely unaware that there even was a gender gap in Finals results.The University pledged to initiate research into the issue over twenty years ago and take action as appropriate, but the reasons behind the gender gap have proved difficult to ascertain.Oxford’s future Pro-Vice Chancellor for Equality, Dr Sally Mapstone, is currently chairing an investigation into the gender gap in English Finals results, one of the several subjects to have been examined.When asked to comment on project’s progress, Dr Mapstone said that she could not comment on reasons for the Finals Gap, as her research was still in progress.Psychologist Dr Jane Mellanby has been carrying out extensive research on the gender gap for over a decade. She was commissioned by the English faculty in 2004 to conduct a comprehensive annual analysis of examiner attitudes and marking profiles.She stressed that the gender gap is specific to certain subjects and is “not a general phenomenon”. In 1997 she conducted intelligence tests on more than 230 students about to sit their Finals, and demonstrated that there was no intrinsic difference between the sexes’ abilities. Disparities in Finals results between the sexes have greatly decreased over the last twenty years in some subject areas such as the Biological Sciences, Engineering, Geography, Law and Modern Languages.“There wouldn’t be such a great change [in results] if the cause was genetic”, said Dr Ann Dowker, a fellow researcher in the Psychology Department.Cultivating the idea that the problem was genetic might in fact adversely affect women’s performance in exams, and unconsciously prejudice the examiners. Only 26% of students taking part in the survey dismissed the possibility that there might be examiner bias.According to Mellanby, the most likely explanation for the gender gap is “Stereotype Threat”, a disruptive concern, when facing a negative stereotype, that an individual will be evaluated on that stereotype.For instance, if a group of women are told that men have greater mathematical abilities, men are likely to outperform those women in subsequent tests. Women’s performance also has been shown to decline, according to research at Brown University in 2000, as the proportion of men in the exam room increases. Men’s maths performance, on the other hand, remained stable in every combination of proportions of men to women.61.1% of students taking the survey believed that men do better in Finals because they are better at risk-taking. Dr Diane Purkiss, English tutor at Keble College, said, “Nobody on the working party likes to admit it, but girls who like to do confident and slightly careless arguments are truly unusual. But that is what the 50-minute essay is all about. It’s all about being bolshie. Fight ‘em. Bite ‘em.”Many other theories have been disproved by research, among them that men are more intelligent because they have bigger brains, and that pre-menstrual syndrome might cause a woman to drop one point on the Norrington score.When asked to comment in the survey, students often attributed the gender gap to men’s greater “variability”, pointing out correctly that men are more likely to get Firsts, but that they are also more likely to get 2.2s and Thirds.However, in the period 2005 to 2008, only 9.4% of Finals results were 2.2s or Thirds, with a difference of 2.75% between men and women, compared with the 30% of men and 22.5% of women to achieve Firsts. The proportion of Thirds (2.2% in 2005-2008) and 2.2s handed out is too small to draw a reliable conclusion.Several students suggested that women’s tendency to be more anxious might be detrimental to their results, but Dr Mellanby’s research shows that the more anxious women are, the more likely they are to achieve better grades. With men, there is absolutely no correlation between anxiety and exam performance.Men are far more accurate in the estimation of their own abilities. Of the men who expected to get a First at the end of their course, 70% were proved correct. Only 55% of the women were similarly successful.Dr Mellanby also emphasized how important it is that students are properly instructed how to cope with revision strategies and “organize their work”.
85, a lifelong resident of Bayonne, entered into eternal rest on January 7, 2018, at Bayonne Medical Center with his family by his side. Anthony was employed as a shop steward for the Wesson Oil Corporation in Bayonne, a position he held for 25 years until the Corporations closing. Anthony served his country proudly in the Korean War and in the United States Army. Tony was a member of the Joyce-Herbert VFW Post 226. Anthony was predeceased by his wife Joan (Patrovich) in 1982; his son Michael A. in 1979; 2 grandchildren, Mary and Kelsey Ashe, his parents, Lt. Michael Rosciszewski and Adele (Stanol), his sister Adele Grywalski; and his brother Charles Rosciszewski. He leaves behind to cherish his memory, daughters Katherine Ashe and her husband Harry, and Joan Rosciszewski, 1 brother Francis and his wife Kathy, his sister-in-law Dorothy (Charles) Rosciszewski, 4 grandchildren, Elizabeth Caporale and her husband Gary, Justin Rosciszewski and his wife Ashley, Kylie Ashe and Brandon Rosciszewski, 2 great-grandchildren, Kelsie and Jayden Caporale, and many nieces and nephews. In Lieu of flowers, the family kindly requests donations be made to: ST. Jude Children’s Hospital. Envelopes will be available at the funeral home. Funeral arrangements by DWORZANSKI & SON Funeral Home, 20 E. 22nd St.
The Ocean City School District anti-drug committee has unveiled its latest billboard message, which uses the powerful words of basketball star and recovery advocate Chris Herren to reach young people who live and travel in the area.“It’s okay to share your struggle. It’s okay to ask for help and it’s okay to change” is the message on the billboard on Roosevelt Boulevard in Marmora, just over the 34th Street Bridge from Ocean City.Whenever Chris Herren speaks to a group of students in this area, the reaction from students, teachers and community members is appropriate in light of the message.Each month, a concerned party sponsors a new message on the billboard. The sponsor of this month’s message is Sea Isle City, a municipality whose children are served by the Ocean City School District.For more information about the billboard or the Ocean City School District anti-drug initiative, contact Lauren Sacs, 609-814-8706.— News release from the Ocean City School District Anti-Drug Committee