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This is to protect your security and identity. Rules may change at any time, please re-read them regularly. OFFSHORE OAXACA, MEXICO PUERTO RICO REGION COSTA RICA OAXACA, MEXICO OFFSHORE OAXACA, MEXICO OFF COAST OF JALISCO, MEXICO OFFSHORE JALISCO, MEXICO NEAR COAST OF ECUADOR GUERRERO, MEXICO CHIAPAS, MEXICO ANDREANOF ISLANDS, ALEUTIAN IS. PAPUA NEW GUINEA (4. Oztas The April-May 2015 Nepal Earthquake Sequence by Gavin Hayes, USGS Earthquake Magnitude Scales by James P.

McCalpin How do I read a seismogram. Polnoe govno vashi prognozi. Sometimes everyone can mistaken. Wise decision-making in the workplace and outside requires considering not just short-term trends but longer-term ones. Sure, more jobs are getting automated but the worry may be overblown, at least for the next decade. Yes, much repetitive work will likely be automated but most jobs requiring substantial judgment will be augmented by but not replaced by technology.

For example, the Social Security Administration will make more decisions by computer and, when there's an outlier or a complaint, a human will make the final decision.

The challenge will be in how to address the many millions of people who formerly did routine jobs. A guaranteed basic income is often proposed but it will require significant tax increases to companies and the middle class. Will the tax increase need to be so large as to kill incentive to work. Will it kill more jobs.

But it lowers the quality of our goods and services. For example, today, the best cardiologists are so in demand, they may see patients evenings and weekends.

The worst may have trouble filling 20 hours a week. Under job rationing, more people would see worse cardiologists.Trusting either Tom Savage or rookie Deshaun Watson to lead the Texans to the promised land is like tossing money into a fire pit. Not that long ago the Cats were 17-1 and representing the NFC in the Super Bowl. Cam Newton coming off a dreadful 2016 is eager to prove last year was a fluke.

Toss in rookie Swiss Army Knife Christian McCaffery and a stout front seven, and there should be a significant level of interest. Especially at this price. If Atlanta regresses, look out. Young, talented team with a gunslinger at quarterback, a pair of playmaking receivers, and an attacking defense.

The last two NFC champs came from the AFC South. Punting on either of these teams is worth considering at this price. Drew Brees knows time is running out on making another Super Bowl run. Perhaps the addition of Adrian Peterson will give the Saints the boost they need to overcome obvious defensive flaws. As for the Birds, nobody ever wins the NFC East in consecutive years, and the hype surrounding Carson Wentz seems to be legit.

If the Eagle defense can elevate to Top 10 level, it might be enough to carry them into January. Did you know prior to breaking his fibula in Week 16 last season, second-year quarterback Marcus Mariota had 26 touchdowns against only 9 interceptions.

Did you know the Titans finished 3rd in rushing behind a rejuvenated DeMarco Murray and rookie Derrick Henry. Did you know tight end Delanie Walker and wide receiver Rishard Matthews combined for 16 touchdowns. Did you know they signed Eric Decker who has scored double-digit touchdowns in three of the last five seasons.

What does all this mean. It means a Mariota vs Winston Super Bowl is forthcoming. Again, lots of value here. He tossed 28 touchdowns against only 2 interceptions, which was good enough to finish second behind Matt Ryan.

He deserves to be the frontrunner in 2017, and like his team is the clear-cut safe money. Rodgers is seeking a third MVP trophy and given the talented passing options at his disposal, he should have little trouble posting gaudy numbers once again. He also represents some of the best value on the board. Call it low risk, high reward. Carr has improved every season since entering the league in 2014. However, as with any quarterback, his MVP chances are directly tied to how well the Raiders play.

If they take a step back and miss the playoffs, Carr will undoubtedly shoulder some of the blame. Nevertheless, his price is tough to pass up. Ryan was worthy of his 2016 victory, but he kinda sorta won by default.It helped restrict me from going for wine every other night. I preferred it iced. I drank more that way. I highly recommend and have already bought it for my mom.

I'll be doing it again for sure Buy Now Join the 1. Social proof can reassure hesitant shoppers, provide additional context and reduce returns by ensuring buyers are satisfied with their purchase.

Ready to instill trust in your business, create meaningful social proof and build your brand love. Here are 10 tips to help you go above and beyond with product reviews and customer testimonials. Put your reviews front and center. Consider placing a couple reviews right on your homepage. If you have reviews for specific items, publish them on each product page.

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Get on the same sites as your customers. Being social and accessible is the best way to get honest feedback. Make your Facebook, Twitter and Instagram accounts easily accessible from your store so customers can reach out with comments and questions.

Follow up with buyers. Consider sending an email to customers after they make a purchase. Check out Bigcommerce app partner Yotpo to automate this process, which makes it easy for you but more importantly makes it easy for your customers. Remove as much friction as possible between your request and their ability to submit a review. Ask the right questions. To do this, you need to know the type of answers you want before you start asking for them.

What is your target audience interested in. What are their biggest concerns when making a purchase. What are pain points in your industry. Aligning with these questions will help you get meaningful and relevant testimonials. Contact those who leave you glowing reviews.More and more medical students are submitting systematic reviews and associated meta-analyses, to meet research exposure requirements, in the Basic Sciences Programs of their medical school education, here in the Caribbean.

The course provided me with a unique and much appreciated opportunity to learn much more about the technique, its underlying principles, and how to correctly apply the tool whenever evaluating a collection of primary studies. Time and energies committed to the course have been very well spent.

After trying to learn meta-analysis from various texts (e. It made the selection of fixed-effect or random-effects models much easier to understand, and the presentation of the math was very straightforward. If I could write a book, I would want to do it this way. Each chapter was short and to the point. Not a lot of extras, but a sufficient number of worked examples to make it work.

The software is very easy to use, and I appreciate the continual improvement that seems to be made. You and your colleagues have done something incredible here. It will help me gain confidence with conducting data analysis using R. I have tried a few R MOOCs in the past which helped me start out using R but I had not found a comprehensive intro to R that I could use more broadly - this course really succeeds with accomplishing that.

This course has given me a much better understanding of biostatistics and will allow me to gain more from my campus based studies. This course supplied a solid foundation for identifying statistical outliers in demand patterns for business planning purposes.

I much enjoyed your text mining course last year and plan to take the deep learning one - thanks for creating itThis course fundamentally deepened my understanding of statistics and studies. I will certainly apply the knowledge gained as often as possible. Absolutely vital course for understanding basic epidemiology, studies and statistics. I would recommend that everyone get a copy of the textbook before class though. It complements the ActivEpi CD extremely well.

This course will greatly contribute to my work as an environmental data scientist and division director. This course was a great introduction of how to use R to fit the models and how to interpret the R output. Great explanations provided by the course instructor in the videos and on the discussion board.

The Assistant Teacher was very diligent and professional in reaching out to me and giving me every opportunity to be successful in this course. Definitely a wonderful experience!!.

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Using information gleaned from the course concerning a not-well-known distance measure (Gower dissimilarity) useful for cluster models that combine data from mixed variables, including nominal, ordinal, and numeric variables, I was able to refine a model I was working on for an academic conference paper. More broadly, the subject of identifying anomalies is a central task of academic historians, and this course allowed me the welcome luxury to reflect on their nature and methods of discovery.

I am now confident that I can use R and continue learning on my own. The course also helped me to explore other resources within the R community online. I'm looking forward to using R in data analysis for my masters thesis and beyond.

The two instructors are to be congratulated in putting together a jewel of a short course, one of my very favorite among the many I have taken at Statistics. The discussion with such experts was particularly valuable and greatly enhanced the value of the course. If there were an extension to this course, I would gladly take it. I felt this class did a good job of reinforcing concepts and their application, and not getting caught up in the algorithms.

The TA feedback was invaluable to me. There are many things I like about your educational product. You include variety, such as the videos, the homework, the quizzes, the textbook, and the discussion board.

You have well-thought out curriculum that shows a respect for good pedagogy.Wonderful experience and I plan on coming back one day and seeking assistance from Nordic Visitor. Thank you for providing an excellent holiday with every detail planned out and anticipated.

Erla Sonja was wonderful to work with and was always available to answer questions and make changes quickly.

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Even when she went on holiday, Thordis took over and assisted me the same day I requested a change. This is the best holiday I have been on so far and it was definitely because of the excellent service and attention to detail that Nordic Visitor provided. This trip far surpassed my expectations. What a beautiful country AND we got lucky and saw the Northern Lights on our second to last day. This tour allows for the freedom to go at your own pace while the Nordic Visitor guidebook aptly suggests an itinerary that is worth following.

We were not disappointed at all. The convenience of not having to research places to stay was the reason that we used Nordic Visitor, for I would not have known where to begin to book guesthouses in some of the remote areas in Southern Iceland.

Hilmar was fantastic - always a prompt email response away - which was another level of convenience that made travelling to a foreign country that much easier. After seeing the photos that we took, I have already recommended Nordic Visitor to three friends just in case they decide to visit.

I can't say enough nice things about my experience with the company. Planning for Iceland was always going to be an issue for my partner and I due to our rather hectic work schedules, fortunately Nordic Visitor took care of everything for us.

It started with a quote that ended up being cheaper than three other competitors we had contacted, for pretty much exactly the same hotels and services. They were very good at tweaking parts of the trip to cater for our needs and went the extra mile in making sure all was the way we wanted it to be. The planning which we received prior to departure, and again on arrival, was thorough and easy to comprehend. Times, schedules and information provided was all well documented and meant we had little to do in the run up to our trip.

We had opted for the self-drive full circle tour of the island and thanks to all the information could easily plan our days. The only downside is you do not realise until in Iceland how slow going from A to B can be.

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The 1 road is certainly not your average motorway, so you need to give yourself plenty of time to get places. It may be a bit confusing to novices who hope to see everything listed in the information booklets. We were particularly happy about the customer care.

Although we are a very self sufficient couple, use to tackling more treacherous terrains, it was really nice that Nordic Visitor took time to check-in with us to see that all was going to plan.Love extra suggestions of places to see and eat that were written on the map by your agent. As a self driving trip was glad to have someone book hotels, since I was unsure of how far I would be able to drive each day.

Great suggestions for extra day trips. Loved having places of interested written on the map as they were not mentioned in travel books. Everything was so easy from being picked up at airport, getting car, and traveling route.

Our guide was exceptional, she was very knowledgeable, and fun company. She included all sorts of wonderful "extra stops" which made the tour very special.

We loved your beautiful country and the wonderful scenery in every part. Also, our "greeter" at the airport was very friendly and full of interesting information about Iceland. We can highly recommend our whole experience dealing with Nordic Visitor and can enthusiastically encourage our friends and family to visit your amazing country. We were thrilled with the accommodations and really everything about the tour. We're planning on writing a more detailed email to share how much we enjoyed this trip thanks to Arnar's arrangements.

We would have checked off "Excellent" if that had been a survey qualifier that was available. Thank you very much for helping us to explore Iceland.

We LOVED it and I hope we are able to return in the future. If we do - we will definitely use your services again. We had a great time on our trip. All hotel accommodations were very nice and the check-in process was very easy. The pick-up and return of the rental car was very easy and the staff at Avis were very knowledgeable and helpful. Sofia was absolutely great to work with and she answered all of our questions promptly.

We previously used Nordic Visitor for a trip to Iceland a few years ago, and will use Nordic again for a trip to see the Northern Lights. Thank you for a fabulous, worry-free vacation.

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We had excellent experiences with all of the service providers. Sara and subsequently Petra provided excellent information and advice electronically for we Australian travellers. All responses to our questions and requests were immediate and well detailed.

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Iceland will be next on our destination list. The binder with each day's itinerary and pictures of each site was very helpful. I used it to make notes on each destination and to sort out my photos afterwards.Summary: Artificial Intelligence and the Financial Sector IBM's Watson Supercomputer BlackRock Landing On Artificial Intelligence UBS AG Implementing Artificial Intelligence Solutions JPMorgan Deploys Mosaic Smart Data For Fixed Income Trading Business I Know First Artificial Intelligence Algorithm Read The Full Premium Article Subscribe to receive exclusive PREMIUM content here algo-trading algotrading Artificial Intelligence Blackrock Goldman Sachs I Know First IBM ibm watson supercomputer jpmorgan Machine Learning in Finance Premium premium article stock market trading UBSAlgorithmic Articles Premium How To Recognize A Stock Market Bubble Before It Bursts November 10, 2017 Tali Soroker is a Financial Analyst at I Know First.

Read The Full Premium Article Subscribe to receive exclusive PREMIUM content Here algorithmic predictions housing crisis market bubbles stock market bubble stock market crashAlgorithmic Articles Premium Top 3 Stock Valuation Methods Plus the Algorithmic Valuation Tool November 5, 2017 Tali Soroker is a Financial Analyst at I Know First.

Read The Full Premium Article Subscribe to receive exclusive PREMIUM content Here multiple valuation methods Stock Valuation stock valuation methods valuation methodsAlgorithmic Articles Premium AMAT Stock Forecast: AMAT Delivers Best Quarter in its 50-Year History and It Is Just The Beginning October 29, 2017 The article was written by Aline Rzetelna, a Financial Analyst at I Know First. AMAT Stock Forecast Summary: Record Results for AMAT in the Third Quarter of Fiscal 2017 New Era of Artificial Intelligence Business and Financial Outlook for the Upcoming Periods I Know First Bullish Forecast on AMAT Read The Full Premium Article Subscribe to receive exclusive PREMIUM content Here algorithm performance algotrading AMAT Artificial Intelligence Premium premium articlePremiumPages:1234567.

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Our flagship business publication has been defining and informing the senior-management agenda since 1964. Article - McKinsey Quarterly - October 2016 Chinese consumers: Revisiting our predictions By Yuval Atsmon and Max Magni Chinese consumers: Revisiting our predictions Article Actions Share this article on LinkedIn Share this article on Twitter Share this article on Facebook Email this article Download this article As their incomes rise, Chinese consumers are trading up and going beyond necessities.

In 2011, we tried our hand at predicting the ways in which, in the decade to come, Chinese consumers would change their preferences and behaviors. This article takes stock of those predictions.

Why check in now. Another is a comprehensive new McKinsey survey, which follows nearly ten years of previous research that includes interviews with more than 60,000 people in upward of 60 cities in China. Deeper and more nuanced understanding of Chinese consumers can help reveal fresh opportunitiesfor new entrants and incumbents alikeand signal those areas where established players may need to be more wary. While geographic differences persist, Chinese consumers are, on the whole, more individualistic, more willing to pay for nonnecessities and discretionary items, more brand loyal, and more willing to trade up to more expensive purchaseseven as their hallmark pragmatism endures.

Just as it was then, generalizing about Chinese consumers continues to be almost as difficult (and maybe as foolish) as it is to generalize about European consumers.

We predicted these differences would remainand even grow more significant, especially in the consumption patterns and tastes that relate to discretionary items. To help companies better tailor their go-to-market approach, we grouped most cities in China into clusters based on their similarities, including their geographic proximity and the transportation infrastructure that connects them.

Furthermore, when our latest survey compared the consumers in the Shanghai area to those around Beijing and Hangzhou, certain spending attitudes also showed marked differences. For example, brand loyalty increased much faster in Shanghai (24 percent increase in three years versus just 7 percent in Beijing and 9 percent in Hangzhou), as did the willingness to pay for better or healthier products.

Despite geographic differences, there are broad similarities among Chinese consumers. These mirror the general trends economists have found among consumers around the world as economies develop. The general tendency is for consumers, as they earn more, to spend a lower percentage of their income on food, a little more on healthcare, and even more on travel and transportation, as well as on recreational activities.

It was no great stretch then, in our report five years ago, to predict a significant shift in consumption from necessities and seminecessities into discretionary categories. Sure enough, our new survey shows Chinese consumers following the anticipated pattern. When we asked how they plan to increase spending as their income increases, dramatically fewer consumers said they will increase it on food (46 percent in the latest survey, compared to the 76 percent who said they would do so three years earlier).

Responses trended slightly up for healthcare products (from 16 percent to 17 percent), and increased for travel (from 14 percent to 23 percent) and leisure (from 17 percent to 25 percent). In our previous predictions, we also argued that as the income of Chinese consumers grew, they would aspire to improve their quality of life by not only spending more on discretionary items, but also by shifting their spending to more expensive items in the same categories.

In necessity categories such as food, for example, we predicted consumers would be willing to spend more for healthier versions of the same productsfor instance, that olive oil would grow much faster than less healthy (and less expensive) oils.

In seminecessity categories like apparel, we predicted people would buy more special-occasion and premium brands. We anticipated that the strongest beneficiaries of these changes would be in the more discretionary and aspirational categories, such as skincare and automotive. So what has happened so far. Premium categories have really accelerated. Comparing cosmetics purchases between 2011 and 2015, 44 percent of consumers have traded up their purchases, compared with 4 percent who traded down.

Even for rice, 25 percent of consumers traded up versus 3 percent who traded down.


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