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Lichen photobiont diversity and selectivity at the southern limit of the maritime Antarctic region (Coal Nunatak, Alexander Island)

first_imgAntarctic ice-free inland sites provide a unique perspective on the strategies coevolving organisms have developed for survival at the limits of life. Here, we provide the first combined description of the ecological and genetic diversity of lichen photobionts colonising an isolated Antarctic inland site, Coal Nunatak, on south-east Alexander Island (Antarctic Peninsula). Photobionts of 14 lichen species (42 samples), all belonging to the group of coccal green algae, representing the entire lichen community of Coal Nunatak were investigated using the internal transcribed spacer region (ITS) of the nuclear ribosomal DNA. The study attempted to address the hypothesis that mycobiont selectivity for the photobiont partner is lower in more extreme environments. This hypothesis did not appear to hold true for the entire lichen community except one species. Another aspect focuses on the relevance of the reproduction modus concerning the distribution of photobiont haplotypes in the lichen community.last_img read more

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BYU; Utah, Commence Fall Camps Wednesday

first_img Written by Brad James FacebookTwitterLinkedInEmailPROVO, Utah-As BYU football commenced fall practice Wednesday, head coach Kalani Sitake said there were some “really good things” citing the players’ enthusiasm and work ethic during the off-season and confirming such things were apparent.Sitake said the emphasis for rising-star sophomore quarterback Zach Wilson is “getting his legs back.”Sitake confirmed the Cougars went indoors because it started to rain outside and that he hopes the rain assists with combating the fires nearby (the Alaska fire near Springville).Wilson confirmed his shoulder is “solid” after he was cleared to practice following an injury.Wilson lauded the offensive line, tailbacks and receivers for all “buying in” during the off-season.He also said it was “huge for me and huge for the line and huge for the entire team” that he has had extra time in offensive coordinator Jeff Grimes’ system.SALT LAKE CITY-The Utah Utes began their fall practices Wednesday amid intermittently rainy skies. It was confirmed that sophomore defensive back Bronson Boyd will now wear #8, sophomore running back Devin Brumfield will wear #6 and junior defensive back Nygel King will wear #16.Freshman quarterback Jayden Clemons will switch to defensive back and freshman defensive lineman Falcon Kaumatule will switch to the offensive line.Head coach Kyle Whittingham confirmed offensive coordinator Andy Ludwig has made a few tweaks to the Utes’ playbook since his first stint with the program (2005-2008).Whittingham is also pleased with the Utes’ depth at tailback, where Utah is deeper than they have been in years.He lauded the efforts of freshman backs Micah Bernard and Jordan Wilmore, while junior back Devonta’e Henry-Cole and Brumfield are also in the mix.Senior tailback Zack Moss said the Utes still view themselves as underdogs concerning the hype the program is receiving at this stage from the media.Senior quarterback Tyler Huntley said he feels that he fits “pretty well” into Ludwig’s system and that the offense is still progressing at this stage.Utah State commences fall practice Thursday, Weber State on Friday and Southern Utah University on Saturday. August 1, 2019 /Sports News – Local BYU; Utah, Commence Fall Camps Wednesday Tags: football fall camplast_img read more

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Couple build lettings agency from scratch into 1,000 property portfolio in 12 years

first_imgHome » News » Agencies & People » Couple build lettings agency from scratch into 1,000 property portfolio in 12 years previous nextAgencies & PeopleCouple build lettings agency from scratch into 1,000 property portfolio in 12 yearsHusband and wife team Peter and Rani Grieve from Worcester have hit the mark after making their fifth local acquisition.Nigel Lewis23rd November 202004,111 Views A lettings agency duo have bought a rival adding 150 managed properties to their business, their fifth acquisition since joining group The Property Franchise Group (TPFG) in 2008 and taking their total portfolio to over 1,000 properties.Husband and wife team Peter and Rani Grieve have acquired Allan Morris Lettings in nearby Droitwich, whose property portfolio are in seven different local towns including Droitwich, Redditch, Bromsgrove, Kidderminster and Stourport.The couple operate two TPFG franchises in Worcester including a CJ Hole lettings agency and Martin & Co, both on the same street in the city centre.ExpansionThis latest acquisition by the Grieves is part of TPFG to encourage its franchisees to expand geographically within its network which includes Martin & Co, CJ Hole  and Ewemove.“Seeing our franchisees embrace our growth strategy is very exciting and underlines the fact that, despite the current challenges, opportunities exist and we are hungry for more,” says Kate Toland, MD of Xperience, who operates the CJ Hole, Whitegates, Ellis & Co and Parkers brands within TPFG, which has 375 branches in total.The company’s franchising chief Penny Sanders adds: “Congratulations to Peter and Rani on yet another acquisition. If you are thinking of selling your business, please get in touch with us in confidence. We have a growing list of franchisees keen to follow the Grieves’ example.”Peter Grieves works as a senior manager in commercial property lettings before becoming an estate agents, while Rani worked as a customer services manager.Read our interview with TPFG CEO Gareth Samples.Peter and Rani Grieve Xperience Martin & Co CJ Hole TPFG November 23, 2020Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021last_img read more

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Minister launches new pet-friendly Model Tenancy Agreement

first_imgHome » News » Minister launches new pet-friendly Model Tenancy Agreement previous nextRegulation & LawMinister launches new pet-friendly Model Tenancy AgreementDocument recommended by government for PRS gives renters significantly enlarged rights to rent with a pet.Nigel Lewis29th January 202103,062 Views The government has updated its Model Tenancy Agreement used by thousands of agents as a basis for Assured Shorthold Tenancy contracts to give tenants significantly enlarged rights to rent homes with their pets.Housing minister Christopher Pincher says the changes will prevent landlords and agents issuing blanket bans on pets.Instead, consent for pets will be the default position, and landlords will have to object in writing within 28 days of a written pet request from a tenant and provide a good reason.But the changes are not mandatory as the government’s Model Tenancy Agreement is only ‘recommended’ and, for example, many trade and industry bodies issues their own ‘standard’ contracts.CompanionshipA spokesperson for the National Residential Landlords Association (NRLA) says: “We recognise the importance of pets in providing companionship especially to those living on their own.“However, pets are not always suitable in certain properties such as large dogs in small flats without gardens. There is often more a risk of damage to a property where there is a pet.”Pincher says rejection of pets should only be made now where there is good reason, such as in smaller properties or flats where owning a pet could be impractical.“To ensure landlords are protected, tenants will continue to have a legal duty to repair or cover the cost of any damage to the property,” he says.DepositsBut the recent restriction of rental deposits within the Tenant Fees Act means landlords and agents will have limited wiggle room to charge extra for tenants with deposits.“We call on the Government to enable the level at which deposits are set to be more flexible to reflect this greater risk,” the NRLA says.“We are also calling for a tenant to either have pet insurance or to pay the landlord for it to be allowed as a requirement for a tenancy where relevant. At present payments such as this are banned under the Tenant Fees Act.”Propertymark’s Mark Hayward says: “The UK Government must recognise the impact of their decision to cap deposits and the knock-on costs that landlords face.”landlords and pets model tenancy agreement NRLA Mark Hayward pets propertymark January 29, 2021Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021last_img read more

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USS Samuel B. Roberts (FFG 58) Arrives in Maputo, Mozambique

first_img Share this article USS Samuel B. Roberts (FFG 58) Arrives in Maputo, Mozambique Back to overview,Home naval-today USS Samuel B. Roberts (FFG 58) Arrives in Maputo, Mozambique USS Samuel B. Roberts (FFG 58) arrived in Maputo, Mozambique, Aug. 26 for a four-day goodwill port visit.Prior to its arrival, Samuel B. Roberts was underway supporting maritime security operations and theater security cooperation in the U.S. 6th Fleet area of responsibility.The visit marked the ship’s fourth East African port visit in the past six weeks. The other stops were in Mombasa, Kenya; Dar Es Salaam, Tanzania; and Victoria, Seychelles.During Samuel B. Roberts visit, U.S. Naval Forces Europe-Africa Deputy Chief of Staff for Strategy, Resources and Plans, Rear Adm. Kenneth K.J. Norton will host a reception on the flight deck in honor of the U.S. Ambassador to Mozambique Leslie V. Rowe. The ship will also participate in community service projects at a local primary school and girls´ shelter, co-host a blood drive with the U.S. Embassy and challenge members of the Mozambique navy in a friendly soccer competition.Samuel B. Roberts Commanding Officer Cmdr. Angel Cruz said the four days in Mozambique will be busy but productive.“These guys have never failed to step-up to the plate when they are needed. I think a lot of them joined the Navy out of a sense of service and for the opportunity to help others who are in need,” said Cruz.Samuel B. Roberts is an Oliver Hazard Perry-class guided-missile frigate that is homeported in Naval Station Mayport, Fla., and is currently on a scheduled deployment to the U.S. 6th Fleet area of responsibility.[mappress]Source: navy, August 30, 2011; View post tag: News by topic August 30, 2011 View post tag: Samuel View post tag: B. View post tag: Arrivescenter_img View post tag: Naval View post tag: Navy View post tag: (FFG 58) View post tag: Roberts View post tag: Maputo View post tag: Mozambique View post tag: USSlast_img read more

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News story: Memorial tree honours former Dstl conservationist

first_imgFrank Blewett’s widow Sue with FMS Rural Estate Manager Terry JeanesAfter Frank sadly died in 2017, his family suggested the idea of planting a new tree in his memory.Friends, former colleagues and family members attended a special ceremony, where a young 18-foot hornbeam tree was planted in Crossley Copse, a site that Frank and some of his colleagues originally established.Frank’s wife Sue said: FMS Rural Estate Manager Terry Jeanes is among the current custodians for conservation at Porton Down. She said: Frank’s legacy lives on, with this Copse creating a biodiversity zone for the benefit of wildlife as well as providing a screen for nesting stone curlews. Rare wildlife species continue to thrive on site and we are privileged to be able to provide a number of enhancements to support them. We are thrilled that Dstl has allowed us to plant this tree in Frank’s memory. It’s a huge honour and I know Frank would have been equally thrilled to know a tree has been planted on a part of the site that he developed. He was a wonderful man, with a great sense of humour; a true gentleman in every way, and he was dearly loved by everyone here today. Frank Blewett worked at the site for more than 40 years. In 1998, he received an OBE for his conservation work, which included his involvement in restoring historic abandoned dew ponds across the Porton Down Range.last_img read more

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News story: Professor Dame Carol Black announced as independent reviewer of drugs

first_img We know the sale and use of drugs is driving serious violence. This review will give us a greater understanding of the drugs market so we can make our action even more targeted. Dame Carol has a wealth of experience and I am confident that she will bring independence, integrity and a strong focus to the review. Today (Friday 8 February), the Home Secretary has appointed Professor Dame Carol Black to lead a major review that will look into the ways in which drugs are fuelling serious violence.First announced in the Home Secretary’s conference speech in October, the initial stage of the wide-ranging review will look at who drug users are, what they are taking and how often to build the most in-depth and comprehensive picture of this issue to date.The review, which will build on existing government strategies to combat drugs, serious violence and serious and organised crime, will examine the harms that drugs cause and the best ways to prevent drug-taking.It will also examine the drivers behind recent trends such as the increased recreational use of Class A drugs by young adults.The changing drugs market is identified in the government’s Serious Violence Strategy as one of the main drivers of the recent increase in violent crime.Home Secretary Sajid Javid said: Dame Carol, the Principal of Newnham College, Cambridge, who has previously provided expert advice to the government on the impact of drug addiction, said the second phase of the review will be determined once she has reported her initial findings to the Home Secretary this summer.Dame Carol Black said: It is an enormous pleasure to have been asked to lead such an important piece of work which will provide an in depth, evidence based review of the demographics of drug use and drug supply. Together with the drugs review, the Home Secretary has announced a consultation on a public health statutory duty which means that those in health, education, social services, local government and housing services will work together to tackle violent crime.Alongside tough law enforcement action, the government is focused on preventing drug-related crimes from happening in the first place. A new £200 million endowment fund also formed part of the package of measures announced by the Home Secretary to target young people at risk of starting a life of crime and violence.last_img read more

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HMS Center for Primary Care hires six faculty, announces two new programs

first_img Read Full Story The Center for Primary Care, which was created in 2010 by Harvard Medical School to address the current crisis in primary care with innovative solutions, announced today two new programs, The Abundance Agents of Change program and the Crimson Care Collaborative. As it continues its dramatic growth, the center also announced the appointment of six new faculty members.“We are growing in leaps and bounds, underscoring the urgency of the center’s work and the need for innovation and change in primary care,” said Russell Phillips, director of the Center for Primary Care. “The ongoing crisis in primary care demands imaginative solutions. As we work to develop and implement these solutions, we will continue to add to our growing list of programs and staff.”Through the Agents of Change Program, HMS student leaders will develop a student-led incubator for innovative ideas and products for improving access to health care and health outcomes, particularly for socioeconomically disadvantaged individuals. The program was made possible by a donation from The Abundance Foundation.The grants will invest in the ideas generated through partnerships between Harvard Medical School students, community health centers, physicians-in-training from Harvard-affiliated hospitals, and students at other Harvard University graduate schools.The center also announced a new partnership with the Crimson Care Collaborative (CCC), a network of HMS student-designed and student and faculty collaborative practices which give students clinical experience during the first two years of medical school and opportunities to learn about systems based care.last_img read more

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Vermont economists say state already $28 million in the hole

first_imgThe two economists charged with projecting state revenues told the Vermont Emergency Board today that barely more than two weeks into the new fiscal year revenue projections are already down $28 million. They agreed that this recession is the worst since the Great Depression nearly 80 years ago.Not surprisingly, the biggest culprits are the state income tax and the various consumption taxes, especially the general sales tax. If retail spending is down, then consumption taxes are down; if total wages are down, then income taxes are down. The reason for the bad news followed similar downward projections nationally in regards to employment and housing. The unemployment rate, the economists said, will likely peak in Vermont in the middle of next year at around 9 percent, from its current 7.3 percent, while the national rate will go over 10 percent by the end of this calendar year. Given those gloomy numbers, the economists said, income tax withholding is down and consumer confidence, and thus spending, is also down. The 2010 fiscal year began July 1.”The data is unmistakenly negative,” said Jeff Carr, economist for the Douglas Administration.  What has caught the federal government off guard as well is that numbers from April and May implied that the recession had perhaps bottomed out. But Carr said that is not the case and that at best we are nearing the bottom of the recession. Tom Kavet, economist for the Legislature, was a bit more pessimistic than Carr and suggested that a turnaround could be another quarter or two further on. That escalates the budgetary problems, he said, because it means that for each quarter the recovery is put off the state is another $18 million to $20 million deeper in a hole. He said leading indicators suggest this historically bad recession will continue for some time. At 19 months, this recession is already three months longer than any since the 1930s.”By any measure,” Kavet said, “this is the worst downturn since the Great Depression.”Perhaps the most telling moment of the meeting was an exchange at the end of the revenue discussion between House Ways & Means chair Michael Obuchowski and Governor Douglas (WATCH); two soft-spoken men who first served in the Legislature together in the early 1970s. Obuchowski asked if this were the appropriate time to discuss how the Legislature and governor were going to address this as far as the budget was concerned. The governor said it was not the time. Obuchowski said he was holding out his hand (metaphorically) to the administration. Douglas said he had welcomed a bi-partisan approach during the contentious budget-writing process in the spring but was turned down. Obuchowski pressed him further on working together. Douglas said his door was always open and that he would be in touch. At a later press conference, Douglas said he would call Obie to get the process moving.The Emergency Board is comprised of Governor Douglas and the chairs of the four legislative money committees: Appropriations Chair Senator Susan Bartlett (D-Lamoille), Finance Chair Senator Ann Cummings (D-Washington), Appropriations Chair Representative Martha Heath (D-Westford), Ways & Means Chair Representative Michael Obuchowski (D-Rockingham).Source of Charts: Legislative Joint Fiscal Committee. http://www.leg.state.vt.us/jfo/State%20Forecasts/2009-07%20July%20Foreca…(link is external)last_img read more

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Lending and the millennial mindset

first_imgA few months ago the internet was awash with the proclamation that avocado toast was keeping Millennial borrowers from committing to a mortgage. Yes, the breakfast of choice for many of the Instagram generation was called out as keeping twenty- to thirty-somethings from experiencing the joys of home ownership. The premise, on the surface, may have had merit—overspending on indulgences while ignoring opportunities to build wealth and personal equity was bogging down this consumer group—but the view was skewed. Every generation has and will struggle with overextending themselves financially. Whether due to a down economy, increasing interest rates, high unemployment, a bubble-busted real estate market, etc., there are challenges across the board with managing personal finances. But there is something beyond an overpriced breakfast that keeps Millennials from adding long term debt to their personal balance sheet. Digging into how this generation addresses their finances, budget, and monetary goals takes more than just broad statements about the most important meal of the day. Let’s take a look at what is shaping this generation‘s buying habits, and how credit unions can better understand the Millennial mindset when it comes to borrowing—whether for a home, a car, or credit card.The genesis of the term “Millennial” is coming of age at the turn of the century. This is key to defining the Millennial understanding of debt and budgeting. Many saw and experienced firsthand the effects of the crash of the housing market and how the dream of home ownership can quickly become a nightmare due to shifting markets and uneducated financial decisions. Millennials strive to understand more than their parents when it comes to budgeting, investing, and saving. Many are saddled with overwhelming student loan debt due increasing costs for tuition, housing, and cost of living, and their parents’ and grandparents’ lack of financial resources to supplement their college expenses. A competitive job market for entry level professional positions leaves many with less earning power than they would have expected at this stage in their lives.Millennials are the first generation to grow up with full access to information 24 hours a day, 7 days a week. The never-ending news cycle, the advent of the internet, and the rise of the smart phone has made the Millennial consumer more aware and dependent upon technology and communication than previous generations. This group of borrowers has access to both traditional loans and credit options through credit unions and banks, as well as newer players such as peer-to-peer lending and crowdsourcing and fundraising. Online tools tailored to communicating to a connected audience, such as NerdWallet, Credit Karma, and Credit Sesame provide advice and fiscal education that was previously available only through meeting with wealth advisors and financial planners.With the constant introduction of new technologies, and an emerging movement of younger borrowers shying away from carrying additional debt on top of what has already been accumulated before entering the job market, the lending marketplaces have changed substantially in the past few years trying to reach the Millennial buyer. Financial institutions are implementing more online tools and mobile applications geared at providing the resources that Millennials are seeking. Savvy Millennials understand the impact that applying for credit can have on their FICO score, and expect to receive offers of credit without a hard inquiry hit to their credit report. Lenders have to work harder and smarter to woo this potentially lucrative, but overwhelmed, market.Coupled with the challenges that implementing new technology can create, as well as designing a strategy to become a trusted financial advisor to the Millennial market in the midst of so much competition, there are even alternatives to the standard home and vehicle purchase that previously made up a majority of an individual’s “life goal” list. Technology is a prime disruptor of the “status quo,” and there are increasingly more options for consumers who don’t wish to be tied down by a traditional purchase and loan scenarios.Drive Growth While Navigating Uncharted WatersWith new competitors changing the game, opportunities arise to look for new ways to deliver solutions to a Millennial borrower. Look to some of the newest programs in mortgage and vehicle lending as inspiration to address the challenges being presented:Homebuilder Lennar’s mortgage subsidiary recently introduced a mortgage loan offering that helps borrowers with student loans pay down their debt. Eagle Home Mortgage’s Student Loan Debt Mortgage Program can put up to 3% of the purchase price of their Lennar Home (of course) toward any student loan debt they currently have, not to exceed $13,000. The program targets Millennials who are wary of adding mortgage debt on top of large student loan balances.SoFi is an online lender that boasts that their underwriting is dependent upon a broader picture than most traditional lenders. By incorporating career experience, education, and earnings potential into their loan guidelines, SoFi (short for Social Finance) is angling to serve the newly graduated, early professional market. SoFi traditionally worked to refinance student loan debt and offer personal loans, but recently has partnered with Fannie Mae to refinance mortgage loans with their Student Loan Payoff ReFi program, which allows borrowers to use a cash-out mortgage to pay down student loan debt.Online blog, The Penny Hoarder, shared a story of how 360 Federal Credit Union provided a car equity loan to a recent college graduate in order to pay off his existing student loan debt, and took his interest rate from 6.5% to 2.49% by using the positive equity in his vehicle. While this strategy didn’t encourage the borrower to purchase a new vehicle, the financial institution gained a vehicle loan on their books and the borrower paid $5,000 less in interest over the life of the loan.In an effort to reach the Millennial borrower, looking beyond the norm for opportunities to lend should be part of every credit union’s strategic planning. By developing programs that are consultative and address specific challenges facing this generation, credit unions can develop long term relationships built on sustainable products and establish themselves as the new face of the Millennial money movement. The Millennial market is looking for leaders to step up and help them reach their financial goals, and essentially understand that their money goals involve more than having enough in their account for tomorrow’s breakfast.Click here to learn how SWBC can accelerate the growth of your auto loan portfolio by giving you access to more than 80 million new consumers through a fully mobile lending experience! 58SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Crystal Bullard As Manager of Business Development for SWBC’s Financial Institutions Group, Crystal Bullard works with lenders to increase their interest and non-interest income through programs such as AutoPilot Lending and … Web: https://www.swbc.com Detailslast_img read more

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